If Hunter Warfield has appeared on your credit report, the debt traces to a rental housing account. Hunter Warfield is the largest apartment debt collection agency in the country, managing over $1 billion in recovery for property management companies including Camden Property Trust and Mid-America Apartment Communities.
In June 2024, a jury awarded a consumer $1.95 million, including $1.75 million in punitive damages, over a disputed apartment charge of approximately $140. The jury found that Hunter Warfield had outsourced its dispute investigations to a Guatemala call center processing roughly 150 cases per day. This guide covers who they are, their documented patterns, and how to respond.
Who Is Hunter Warfield?
Hunter Warfield, Inc. is a third-party debt collection agency founded in 2004 and headquartered in Tampa, Florida, with call centers in Tempe, Arizona, and Guatemala City, Guatemala. The company is a spinoff of Pierce Hamilton & Stern, which split in 2009 into Hunter Warfield and Fair Collections and Outsourcing.
Hunter Warfield has accumulated over 3,000 CFPB complaints in the past three years, 2,036 BBB complaints, and 225+ federal lawsuits. They have settled two class actions totaling $400,000 for excessive collection calls and unlawful fee collection practices.
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Why Hunter Warfield Is on Your Credit Report
Hunter Warfield specializes exclusively in property management collections. Their confirmed major clients include Camden Property Trust and Mid-America Apartment Communities. Their product suite includes Resident Interface, Possession Partner, and Resident Advocate, which integrate directly with property management software platforms like AppFolio.
If Hunter Warfield appears on your credit report, the account traces to a specific apartment complex or property management company. The account may involve unpaid rent, early termination fees, move-out damage charges, or lease break fees.
The $1.95 Million Jury Verdict
In June 2024, a jury awarded a consumer $1.95 million, including $1.75 million in punitive damages, for Hunter Warfield’s handling of a disputed apartment charge of approximately $140. The jury specifically found that Hunter Warfield had outsourced its dispute investigation process to a Guatemala call center where representatives processed approximately 150 dispute cases per day.
This verdict directly addresses the adequacy of Hunter Warfield’s dispute investigation process. Under the FCRA, furnishers of credit information must conduct reasonable investigations of consumer disputes. Processing 150 disputes per day in an offshore call center was found by a jury not to meet that standard. If Hunter Warfield has verified a disputed account as accurate without adequately investigating, this verdict is the precedent to cite in your CFPB complaint and credit bureau dispute.
Collecting While Disputes Are Pending
A documented 2025 BBB complaint describes a consumer who disputed move-out damage charges with the property manager, received written confirmation that the account was under investigation, and then found Hunter Warfield proceeding with collection activity on December 29, 2025 without the dispute being resolved. The complaint also noted conflicting delinquency dates, including the consumer’s move-out date being used as the delinquency date.
If Hunter Warfield is collecting on charges you formally disputed with the original property manager, and you have written confirmation the dispute was open, that documentation is central to both a CFPB complaint and a credit bureau dispute. A delinquency date that matches your move-out date rather than the actual date of default is a specific FCRA inaccuracy worth disputing separately.
Reporting Without Prior Notice or Original Creditor Contact
A documented 2026 BBB complaint describes a consumer who discovered a Hunter Warfield collection on their credit report without ever receiving prior contact from either Hunter Warfield or the original creditor Soundview Equities. A credit score drop of 97 points overnight from a $9,000 reported balance, with no prior notice, is specifically documented in a separate BBB complaint.
Under Regulation F, debt collectors must provide a validation notice before or promptly after credit bureau reporting. If Hunter Warfield reported your account without any prior contact, dispute the entry with each credit bureau citing the lack of prior notice required by federal regulation.
The Military Servicemember Pattern
A documented CFPB complaint describes a servicemember who provided deployment orders to their apartment complex, which refused to honor the Servicemembers Civil Relief Act (SCRA) lease termination right. The apartment complex sold the account to Hunter Warfield, which pursued both the servicemember and their co-signing mother for over $6,000.
The SCRA gives active duty military members the right to terminate residential leases with proper notice of deployment. If Hunter Warfield is pursuing you for an apartment balance resulting from a military deployment and the property manager refused to honor your SCRA rights, contact a military legal assistance attorney immediately. SCRA violations carry significant penalties.
What Hunter Warfield Cannot Do Under Federal Law
The FDCPA and FCRA apply to Hunter Warfield. Under these laws, they cannot:
- Conduct inadequate dispute investigations: The basis of the $1.95 million jury verdict.
- Collect while a formally disputed account is under investigation: A documented 2025 BBB complaint.
- Report without prior validation notice: A documented BBB complaint pattern under Regulation F.
- Use the wrong delinquency date: A documented complaint citing move-out date instead of actual default date.
- Pursue SCRA-protected lease terminations: A documented military servicemember complaint.
- Call more than 7 times within 7 days: Two class action settlements involved excessive calling.
File complaints at consumerfinance.gov. Florida residents can also file with the Florida Attorney General’s Consumer Protection Division.
Verify the Move-Out Charges Before Paying Anything
Send a written debt validation request by certified mail within 30 days of first contact. Ask for the original property management company, the property address, an itemized list of all charges with documentation, the move-out inspection report, and the original date of delinquency.
For damage charges specifically, request the move-in inspection report to compare against the move-out condition. Damage charges not documented in a proper move-out inspection are disputable with the original creditor and the credit bureaus.
How to Check Your Credit Report for Hunter Warfield Errors
Pull your credit reports from all three bureaus at AnnualCreditReport.com. Is the original creditor identified? Is the delinquency date the actual date of default rather than your move-out date? Does the balance match the property manager’s itemized charges? Any inaccuracy is grounds for a dispute with each credit bureau.
How Long Can Hunter Warfield Legally Pursue the Debt?
Florida has a 5-year statute of limitations on most consumer debts. The relevant state is typically where you currently reside. If you no longer live in Florida, check your state’s limit.
Your Options for Resolving a Hunter Warfield Account
Once you have verified the debt and charges, consider your options:
- Go to the original property manager: For disputed damage charges, the property management company holds the underlying documentation and sometimes resolves disputes Hunter Warfield cannot.
- Document all disputed charges: Pull your lease, move-in inspection, move-out inspection, and any written communications about the disputed charges.
- Cite the Guatemala verdict in your CFPB complaint: The June 2024 jury finding is directly relevant to any claim that Hunter Warfield failed to adequately investigate your dispute.
- Dispute if inaccurate: If charges were not documented in a move-out inspection, the delinquency date is wrong, or reporting occurred without prior notice, dispute with the credit bureaus.
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How to Contact Hunter Warfield
Handle all communication in writing:
- Address: Hunter Warfield, Inc., 4620 Woodland Corporate Blvd, Tampa, FL 33614
- Phone: (888) 486-8927
Bottom Line
Hunter Warfield is the largest apartment debt collector in the country and has a $1.95 million jury verdict against them for inadequate dispute investigations conducted offshore. Their most documented patterns are collecting on disputed charges before investigations are complete and reporting without prior notice.
Cite the June 2024 jury verdict in every CFPB complaint and credit bureau dispute. Document your move-out inspection and any written confirmation of a pending dispute before engaging.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.