Holloway Credit Solutions has operated for over a century. A long history does not insulate any collector from federal law. According to BBB records, the agency continues to accumulate complaints. Consumers have allegedly reported repeated calls, threats, and unauthorized third-party debt disclosure. No written validation notice within five days may support a standalone federal claim.
Key Takeaways
- Holloway Credit Solutions LLC, 1286 Carmichael Way, Montgomery, AL 36106; in business 100+ years per BBB; collects consumer and commercial debts across multiple industries.
- Named defendant in Hood v. Holloway Credit Solutions LLC and Tabb et al v. Holloway Credit Solutions LLC, a proposed class action alleging patterns of FDCPA violations.
- According to BBB complaint records, consumers have allegedly reported repeated daily calls, abusive language, third-party debt disclosure, and pursuit of time-barred debts.
- If Holloway did not send a written validation notice within five days of first contact, that omission may be a standalone FDCPA §1692g violation.
- FDCPA damages: up to $1,000 statutory per lawsuit plus actual damages; TCPA damages: $500–$1,500 per illegal automated call; attorney fees paid by the violating collector.
- The Wood Firm PLLC handles FDCPA, FCRA, and TCPA cases on contingency, if Holloway violated federal law, they pay our fees.
Free Case Review: +1-844-638-1122
Who Is Holloway Credit Solutions?
Holloway Credit Solutions LLC is a debt collection agency headquartered in Montgomery, Alabama. BBB records show the agency has operated for over 100 years. It collects consumer and commercial debts across various industries on behalf of creditor clients.
In our practice, we request the original creditor agreement and debt assignment records on every Holloway file. Chain-of-title documentation is where purchased-debt accounts most commonly fail validation. A broken assignment chain may mean Holloway lacks legal standing to collect on the account.
- Also Known As: Holloway Credit Solutions LLC
- Address: 1286 Carmichael Way, Montgomery, AL 36106
- Phone: 334-396-3000 | (334) 396-3000 | +1 334-396-3000 | 3343963000
- Additional Numbers: (334) 396-1200 | (800) 264-2700
- BBB Profile: Holloway Credit Solutions BBB listing
What Phone Numbers Does Holloway Credit Solutions Use?
Holloway Credit Solutions calls consumers from (334) 396-3000, (334) 396-1200, and (800) 264-2700. If any of those numbers appear on your caller ID, document the date, time, and call content immediately. That log becomes the factual foundation of any FDCPA harassment claim.
Save every voicemail. Courts have found patterns of 7–10 calls per day potentially excessive under the FDCPA. Each documented call strengthens the record.
Why Is Holloway Credit Solutions Calling You?
Holloway Credit Solutions is calling you because a creditor assigned or sold your account to them for collection. The original creditor may be a medical provider, financial institution, or retail lender. Per BBB records, many consumers allegedly had no prior contact from Holloway before it hit their credit reports.
Federal law requires Holloway to send a written validation notice within five days of first contact. That notice must state the amount owed, the creditor’s name, and your 30-day right to dispute. No notice, or a late notice, may be an FDCPA violation. Discussing your debt with family members or employers outside narrow locator-contact rules is also prohibited.
According to BBB complaints, Holloway has allegedly called workplaces after being told employer contact was prohibited. The agency has reportedly used abusive language. Consumers also described threats of legal action on time-barred debts. Each of those patterns, if documented, may support independent federal claims.
Federal Lawsuits Filed Against Holloway Credit Solutions
Yes. Holloway Credit Solutions has been named as a defendant in multiple federal lawsuits alleging FDCPA violations. Court filings describe both individual claims and a proposed class action.
- Hood v. Holloway Credit Solutions LLC, FDCPA claims alleging illegal collection practices against the agency.
- Tabb et al v. Holloway Credit Solutions LLC, proposed class action alleging patterns of consumer harassment and FDCPA violations across multiple accounts.
We examine the collection letters and settlement communications for §1692e misrepresentation language on every Holloway file. The Tabb class action centered on exactly that pattern. The precise wording of a demand letter determines whether a false-representation claim exists alongside a harassment theory.
What Complaints Have Consumers Filed Against Holloway Credit Solutions?
According to BBB records, consumers have allegedly filed complaints describing these specific conduct patterns from Holloway Credit Solutions.
- Repeated daily calls: Multiple calls per day intended to pressure or intimidate may violate the FDCPA’s prohibition against illegal harassment. Courts have found 7–10 calls per day potentially excessive.
- Abusive or threatening language: Debt collectors must maintain professional communication. Profane language or volume-based intimidation tactics may violate federal harassment prohibitions.
- Unauthorized third-party disclosure: Sharing debt details with family, neighbors, or coworkers without consent violates FDCPA privacy protections.
- Failure to validate: Pressuring for payment without providing documentation when requested violates federal validation requirements under §1692g.
- Pursuit of time-barred debts: Threatening lawsuits on debts beyond the applicable statute of limitations may itself violate the FDCPA, according to consumer attorneys.
In our practice, the validation letter and any cease-communication request are the first documents we pull. If Holloway called after a written cease request, each subsequent call is a separate, documentable violation.
Is Holloway Credit Solutions a Scam?
Holloway Credit Solutions is a real, licensed debt collection agency. Licensed does not mean every tactic is legal. The agency has operated for over a century and maintains a BBB listing as an active business. BBB complaint records and the Tabb class action document alleged harassment, false threats, and third-party disclosure. Each of those practices violates federal law.
Scam collectors typically demand payment by gift card or wire transfer and refuse to send any written validation. Holloway is not operating that way. The documented conduct concerns are excessive calling, misrepresentations about legal action, and third-party contact. Those are FDCPA issues, not fraud. Calls demanding gift card payment from someone claiming to be Holloway are an impersonation flag.
Is Holloway Credit Solutions Banned by the FTC?
No. Holloway Credit Solutions has not been banned by the FTC. No FTC consent order or enforcement action names the agency as of June 2026. That absence does not protect Holloway from private FDCPA enforcement or state attorney general action.
The absence of FTC action shifts focus to the CFPB complaint record and Tabb class action. CFPB complaints establish a documented pattern. That pattern strengthens individual FDCPA claims even without a government enforcement anchor. Alabama consumers may also file complaints with the Alabama Attorney General consumer protection division.
What Your Rights Are Under the FDCPA and TCPA
The Fair Debt Collection Practices Act prohibits Holloway from calling before 8 a.m. or after 9 p.m. It bars profane or threatening language. It also bars contacting your employer after you notify Holloway that workplace calls are not permitted. Holloway must provide written validation within five days of first contact. That notice must include the amount owed, the original creditor, and your right to dispute. You have 30 days to request detailed validation.
The TCPA prohibits Holloway from using an autodialer or prerecorded voice on your cell phone without consent. Each violation carries $500 to $1,500 in statutory damages. The FDCPA carries up to $1,000 in statutory damages per lawsuit. Actual damages and attorney fees are also recoverable from the violating collector.
You can also send a written cease-communication demand by certified mail. After Holloway receives that letter, any further contact violates federal law. The only permitted exceptions are confirming cessation or notifying you of a filed lawsuit. See our detailed guide on top FDCPA violations and your rights for the full framework.
How to Stop Holloway Credit Solutions Harassment
Document every call with date, time, caller ID number, and a summary of what was said. Save all voicemails. Send a written validation request to Holloway’s Montgomery address by certified mail within 30 days of first contact. Holloway must stop collection activity until it provides adequate validation.
If calls continue after a written cease request, each subsequent call may be a standalone FDCPA violation. File complaints with the CFPB, the FTC at ftc.gov, and the Alabama Attorney General. Those complaint records create a public-facing pattern that supports litigation.
For a related collector with documented similar patterns, see our coverage of Apex Asset Management debt collection harassment.
How The Wood Firm PLLC Helps Stop Holloway Credit Solutions Harassment
The Wood Firm PLLC represents consumers exclusively, never debt collectors or creditors. When a new Holloway file comes in, we examine the validation letter for timing and content. We pull the collection correspondence for §1692e misrepresentation language. The call log gets reviewed for cease-request violations. The FDCPA, TCPA, and FCRA each provide separate enforcement tracks, and Holloway’s documented complaint pattern touches all three. The firm has federal court admissions across nine districts, including all courts of AR, CO, NM, and TX.
The firm works on contingency. If Holloway violated federal law, they pay our fees, you pay nothing out of pocket. After you call, a case evaluation covers your documentation within the same conversation. You will know whether you have a viable claim before ending the call. Reach us at +1-844-638-1122.
If Holloway has violated your rights, visit our contact page or call +1-844-638-1122 for a free case review. The Wood Firm PLLC handles these cases on contingency. If they violated federal law, they pay our fees.
Frequently Asked Questions About Holloway Credit Solutions
Who is Holloway Credit Solutions?
Holloway Credit Solutions LLC is a debt collection agency in Montgomery, Alabama. BBB records show over 100 years in operation. It collects on consumer and commercial accounts on behalf of original creditors. The agency has accumulated complaints about aggressive collection tactics and alleged FDCPA violations.
Is Holloway Credit Solutions a legitimate company?
Yes, Holloway Credit Solutions is a licensed, operating debt collection agency. Legitimate status does not mean every tactic it uses is lawful. According to BBB records and the Tabb class action, consumers have allegedly described harassment and third-party disclosure. Misrepresentations about legal action are also documented.
What are common complaints filed against Holloway Credit Solutions?
Common complaints include repeated calls, abusive language, unauthorized third-party disclosure, and failure to validate. Alleged threats on time-barred debts are also documented.
Can Holloway Credit Solutions garnish my wages or sue me?
Holloway can file a civil lawsuit if your debt is within the applicable statute of limitations. Wage garnishment requires a filed lawsuit, proper service, a court judgment, and a separate garnishment order. Threats of immediate garnishment without a judgment may violate the FDCPA.
What lawsuits have been filed against Holloway Credit Solutions?
Federal cases include Hood v. Holloway Credit Solutions LLC, alleging illegal collection practices, and Tabb et al v. Holloway Credit Solutions LLC, a proposed class action alleging a pattern of consumer harassment. You can search additional cases on Justia federal dockets.
How do I dispute a debt with Holloway Credit Solutions?
Send a written dispute to Holloway’s Montgomery address by certified mail within 30 days of first written contact. Holloway must cease collection and provide verification before continuing. Keep the tracking number and a copy of your letter as documentation for any subsequent FDCPA claim.
Can I sue Holloway Credit Solutions for harassment?
Yes. Yes. FDCPA violations allow you to sue for up to $1,000 in statutory damages. Actual damages and attorney fees are also recoverable from the violating collector. TCPA violations carry $500–$1,500 per illegal call. The Wood Firm PLLC handles these cases on contingency.
Your Next Step if Holloway Credit Solutions Crossed a Line
A century of operation does not exempt Holloway Credit Solutions from federal consumer protection law. If Holloway called excessively or threatened action on a time-barred debt, each act may be an independent claim. Each act carries independent exposure under federal law. Call +1-844-638-1122, the review is free, and the firm collects nothing unless Holloway pays.
Jeff Wood represents consumers exclusively, never creditors or collectors. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices from Little Rock, AR.
