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 |
|---|---|---|---|
| Oct 18, 2022 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Oct 15, 2022 | 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 |
| Aug 28, 2022 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Aug 23, 2022 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Jun 29, 2022 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| May 5, 2022 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Apr 22, 2022 | Debt collection | False statements or representationImpersonated attorney, law enforcement, or government official | Explained |
| Apr 19, 2022 | Debt collection | False statements or representationTold you not to respond to a lawsuit they filed against you | Explained |
| Mar 17, 2022 | Debt collection | False statements or representationImpersonated attorney, law enforcement, or government official | Explained |
| Jan 15, 2022 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Dec 2, 2021 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Nov 29, 2021 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Nov 26, 2021 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Sep 2, 2021 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Aug 26, 2021 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Aug 10, 2021 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jul 10, 2021 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 9, 2021 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Jun 30, 2021 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jun 21, 2021 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Jun 17, 2021 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 14, 2021 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 10, 2021 | Debt collection | False statements or representationImpersonated attorney, law enforcement, or government official | Explained |
| May 18, 2021 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Apr 20, 2021 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Apr 2, 2021 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Mar 31, 2021 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Mar 30, 2021 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Mar 25, 2021 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Mar 5, 2021 | Debt collection | False statements or representationImpersonated attorney, law enforcement, or government official | 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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