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 |
|---|---|---|---|
| Feb 24, 2021 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Feb 22, 2021 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Feb 19, 2021 | Debt collection | False statements or representationTold you not to respond to a lawsuit they filed against you | Explained |
| Feb 16, 2021 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Feb 15, 2021 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Feb 11, 2021 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Feb 6, 2021 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Feb 1, 2021 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Dec 22, 2020 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Dec 21, 2020 | Debt collection | False statements or representationImpersonated attorney, law enforcement, or government official | Explained |
| Nov 16, 2020 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 4, 2020 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Sep 30, 2020 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Sep 21, 2020 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 2, 2020 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 1, 2020 | Debt collection | Took or threatened to take negative or legal actionSeized or attempted to seize your property | Explained |
| Jul 15, 2020 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Jun 16, 2020 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| May 29, 2020 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 24, 2020 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| May 8, 2020 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| May 7, 2020 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Apr 4, 2020 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Mar 22, 2020 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Mar 18, 2020 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Mar 9, 2020 | Debt collection | Took or threatened to take negative or legal actionSeized or attempted to seize your property | Explained |
| Feb 29, 2020 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Feb 26, 2020 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Feb 8, 2020 | Debt collection | Took or threatened to take negative or legal actionSeized or attempted to seize your property | Explained |
| Feb 6, 2020 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | 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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