Debt collection
Cooling & Winter debt collection complaints
Consumers have filed 226 complaints about Cooling & Winter's debt collection. See the whole Cooling & Winter record.
Cooling & Winter against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Cooling & Winter | 0 | - | - |
Latest Cooling & Winter debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| May 2, 2025 | Debt collection | Attempts to collect debt not owedDebt was paid | No timely reply |
| 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 |
| 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 |
| Sep 16, 2023 | Debt collection | Took or threatened to take negative or legal actionSeized or attempted to seize your property | Explained |
| Sep 1, 2023 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Aug 24, 2023 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Aug 23, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 17, 2023 | Debt collection | False statements or representationImpersonated attorney, law enforcement, or government official | Explained |
| May 18, 2023 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| May 12, 2023 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Apr 18, 2023 | Debt collection | Took or threatened to take negative or legal actionThreatened to arrest you or take you to jail if you do not pay | Explained |
| Apr 4, 2023 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Mar 30, 2023 | Debt collection | Written notification about debtNotification didn't disclose it was an attempt to collect a debt | Explained |
| Mar 19, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 18, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 13, 2023 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Feb 27, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 25, 2023 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Jan 19, 2023 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Jan 7, 2023 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Dec 19, 2022 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Dec 4, 2022 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Nov 29, 2022 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
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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