Debt collector · complaint record
Cooling & Winter complaints
Filed under Cooling & Winter LLC
Consumers have filed 236 complaints about Cooling & Winter since 2016, none in the last 12 months. It answered 99.6% on time and closed 0% with relief for the customer. The most common problem is attempts to collect debt not owed.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 236
- Last 12 months
- 0
- Answered on time
- 99.6%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- -
Since March 2016
new vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: May 2, 2025
Cooling & Winter complaints by month
The busiest month was February 2021 (8 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Cooling & Winter answered all time
- Closed with explanation23599.6%
- Untimely response10.4%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Cooling & Winter complaints are about
Top Cooling & Winter problems
Inside "Attempts to collect debt not owed"
- Debt is not yours 21
- Debt was result of identity theft 19
- Debt was paid 10
- Debt was already discharged in bankruptcy and is no longer owed 5
Where Cooling & Winter complaints come from
Most complaints: Georgia (181), Florida (29), South Carolina (6), North Carolina (4), Mississippi (3).
Cooling & Winter compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Green SquareDebt collection | 10 | 25 | F |
| 2 | EMoneyUSADebt collection | 53 | 25 | C |
| 3 | Mullooly Jeffrey Rooney & FlynnDebt collection | 56 | 25 | C |
| 4 | Credit World ServicesDebt collection | 47 | 25 | D |
| 5 | Keynote ConsultingDebt collection | 10 | 25 | F |
| 6 | Augusta Collection AgencyDebt collection | 10 | 25 | F |
| 7 | Advance Bureau of CollectionsDebt collection | 19 | 25 | F |
| 8 | Cooling & WinterDebt collection | - | 0 | - |
Compare side by side: Cooling & Winter vs Green Square · Cooling & Winter vs EMoneyUSA · Cooling & Winter vs Mullooly Jeffrey Rooney & Flynn · Cooling & Winter vs Credit World Services
What people say about Cooling & Winter
All experiencesNo experiences with Cooling & Winter yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Cooling & Winter complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| May 2, 2025 | Debt collection | Attempts to collect debt not owedDebt was paid | No timely reply |
| Mar 10, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Sep 4, 2024 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Jun 26, 2024 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Feb 6, 2024 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Explained |
| Jan 11, 2024 | Debt collection | Electronic communicationsYou told them to stop contacting you, but they keep trying | Explained |
| Dec 14, 2023 | Debt collection | Took or threatened to take negative or legal actionCollected or attempted to collect exempt funds | Explained |
| Nov 30, 2023 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Oct 28, 2023 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 24, 2023 | Debt collection | Took or threatened to take negative or legal actionSued you in a state where you do not live or did not sign for the debt | Explained |
| Oct 9, 2023 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Sep 18, 2023 | Debt collection | Took or threatened to take negative or legal actionSeized or attempted to seize your property | Explained |
Questions about Cooling & Winter
How many complaints does Cooling & Winter have?
Cooling & Winter has 236 complaints on record since March 2016, including 0 in the last 12 months and 0 in the last 30 days.
Does Cooling & Winter respond to complaints?
Yes. Cooling & Winter answered 99.6% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Cooling & Winter?
The most common problems are attempts to collect debt not owed (55), took or threatened to take negative or legal action (52), written notification about debt (38).
Is Cooling & Winter legit?
Cooling & Winter is a real company with a public complaint record: consumers have complained about it 236 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Cooling & Winter legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Cooling & Winter?
Complain to Cooling & Winter in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Cooling & Winter complaints come from?
Most come from Georgia (181), Florida (29), South Carolina (6). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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