|
7930378
|
2023-11-30
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Cooling & Winter LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-11-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-30
|
| Complaint What Happened |
Ex-Husband opened XXXX XXXX card in my name without my knowledge or consent in the amount of {$14000.00}. This was brought to my knowledge after reviewing my credit report. I immediately called XXXX and had the card in his hand turned off and asked for transaction history-there was only one transaction and it was a balance transfer from his XXXXXXXX XXXX XXXX XXXX Ex-Husband admitted this was his balance in court and the Judge ordered him to pay this ( court document was provided to XXXX and their lawyer ( collection company ) Cooling and Winters ). He also went to XXXX shortly after serving life for many reasons-one including held in contempt to not following judge 's orders. I disputed this on all credit bureaus which include XXXX etc. I even kept in touch with Cooling and Winters and XXXX at the same time in XXXX of 2023 and called ever 2 weeks, provided them judge documentation and a case number with the police department when I reported it fraud because this needed to be deleted off my credit report. The denied my fraud claim and said after 90 the investigation showed I would still be held responsible for this amount even after all the documentation that I provided.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6250716
|
2022-11-29
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Cooling & Winter LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2022-11-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-29
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2168866
|
2016-10-19
|
False statements or representation
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Cooling & Winter LLC
|
| Product |
Debt collection
|
| Sub Issue |
Indicated committed crime not paying
|
| Sub Product |
Credit card
|
| Date Received |
2016-10-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-10-19
|
| Complaint What Happened |
on XX/XX/2016, I received a call from a person by the name of Laniece Limpers from the law firm of Cooling and Winters, which is a principal partner of XXXX XXXX XXXX. According to XXXX XXXX, she represents XXXX XXXX XXXX and she was calling to negotiate on their behalf. Based on information provided to me by XXXX XXXX XXXX XXXX month prior to receiving the call from XXXX XXXX, I had a total debt of {$670.00}. As such, on XX/XX/2016, XXXX XXXX, who I assumed was representing XXXX XXXX, negotiated with me and agreed to accept {$300.00} as total payment, and according to her, the debt was settled. According to XXXX XXXX, the conversation was recorded and that she was going send me a confirmation letter in the mail within 24 hours. As of today, XX/XX/2016, I have not receive this letter. In addition, XXXX XXXX, has not return numerous phone messages that I left for her in her voice mail. I have sent a validated bank receipt of the transaction on XX/XX/XXXX which shows that Coolling and Winters Associate had withdrawn {$300.00} dollars out of my checking account to the XXXX major credit bureaus for them to investigate this matter, but to no avail.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2068484
|
2016-08-17
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Cooling & Winter LLC
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Credit card
|
| Date Received |
2016-08-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-08-17
|
| Complaint What Happened |
I have been fighting with various names of this same collection agency for years. I have stated numerous times that I do n't even believe this debt to be correct, but have paid over the years because they obtained a judgement ( which I also challenged ). Most recently, I sent XXXX letters to XXXX XXXX and XXXX along with a payment and requested a break down of my account showing my payments and balance. They never responded. Instead, they rolled the account over to another name law firm which is really the same as theirs and they start all over again. The new firm is Cooling & Winter. I just saw they lost a law suit from CFPB for doing this sort of stuff. I am asking for an accounting of the payments I have made and a balance owed. I am also asking for a verification of the debt. Third, the judgement is nearly ten years old and I want to know if it is even enforceable since it was done in yet the name of a third law firm. They just pass the debt back and forth between their various sham firms. I have evidence that this debt was taken care of via a XXXX I was sent from the bank years ago but they do n't answer my complaints in this matter. I have written dozens of letters to them over the years and they fail to respond.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2029521
|
2016-07-26
|
Taking/threatening an illegal action
|
Debt collection
|
|
| Issue |
Taking/threatening an illegal action
|
| Timely |
Yes
|
| Company |
Cooling & Winter LLC
|
| Product |
Debt collection
|
| Sub Issue |
Seized/Attempted to seize property
|
| Sub Product |
Credit card
|
| Date Received |
2016-07-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-07-26
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Many months ago I was contacted By " XXXX '' whom are taking actions by suing me for debts I can not pay. I had agreed to settle on a payment plan which was going well until I lost my job and was not able to continue to payment plan. I found out XXXX XXXX XXXX and XXXX were order to cease business operations due to unethical business practice. Being the only working provider in the household is quite hard to keep the lights on. I work XXXX jobs and ca n't afford to keep current on many other expenses that are coming due. I came to found out that " XXXX XXXX XXXX and Associates '' is now operating under " Cooling and Winter, LLC '' whom are now continue to sue me and threaten to seize/ garnish my wages and will continue to do so until I have nothing left. My wife and I have attempted to contact them regarding my situation and they still do not care of what financial troubles we are experiencing.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3277327
|
2019-06-17
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Cooling & Winter LLC
|
| Product |
Debt collection
|
| Sub Issue |
Seized or attempted to seize your property
|
| Sub Product |
Credit card debt
|
| Date Received |
2019-06-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-06-19
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Cooling & Winter and XXXX XXXX Cooling/Winter & XXXX XXXX has been harassing me for years. When I lost my job in XXXX, I made payment arrangement with everyone except XXXX XXXX and XXXX. Because XXXX XXXX and XXXX refused to make any payment arrangements. XXXX XXXX and their lender XXXX refused to make payment arrangements or even discussed making payment arrangements. After two months they sent me to a collection agency. I tried to contact their leadership ( XXXX XXXX and XXXX ) and they either refused to help or advised they could not help. I owed them {$1700.00}. I told them I am not trying to skip my obligations, but I need more time and can not make the minimum payment.
All my other debt has been paid off except my mortgage and a home equity loan. However, both are current and in good standing. I owed XXXX Mastercard {$9000.00} & XXXX Visa {$11000.00}. Both are paid off. It took years, but I did it! Why would I ignore {$1700.00}? The harassing calls started quick and the original amount almost doubled to where it is now over {$4000.00}. At first, I answered the calls and say I will pay them back the {$1700.00}. Initially, I offered {$50.00} per month and later {$100.00} but they wanted {$3500.00} now in cash which I did not have. The calls were virtually seven days a week.
We went to remediation in XXXX timeframe and the XXXX representative refused to adjust their amount to the original debt. In Spring XXXX there was court date, but the bailiff would not allow me to enter because he said I was late. Everything was done without my presence. I did an amendment and met with Cooling/Winter & XXXX XXXX representative and Judge XXXX in XXXX/XXXX XXXX. I explained the situation and offer the same {$1700.00} original debt and pay them {$100.00} per month until paid I offered to other Cooling/Winter & XXXX XXXX representatives.
The Cooling/Winter & XXXX XXXX representative and Judge XXXX said it sound reasonable to them but she nor him could not make a final decision until she presented the offer to Cooling/Winter & XXXX XXXX. I offered to make a good faith payment then and there and start making payments in XX/XX/XXXX. I was advised by both to hold on until the representative presented the offer to Cooling/Winter & XXXX XXXX and Cooling/Winter & XXXX XXXX will mail me the payment information. Which they, Cooling/Winter & XXXX XXXX, never did. If they would have the {$1700.00} would have been paid by now. I received no mailings from them until this week. When they sent me notice about garnishing my wages after the fact.
At this point I can not afford garnishment nor {$100.00} per month. I will like to offer {$50.00} per month until the debt of {$1700.00} is paid off in 34 months. I am a woman of my word. I would prefer to pay XXXX XXXX or even XXXX this money, however, for them to send me to collection agency after two months speak ill of both organizations.
They have contacted my former employer XXXX XXXX and have made repeated phone calls to my home number. However, they have been no mail communications which I was expecting since Spring of XXXX and that was to advised they would do a phone with the XXXX/XXXX XXXX meeting with Judge XXXX!
Since then, I have received communications from Cooling & Winter & XXXX XXXX I received a letter-Monday, XX/XX/XXXX stating that they would garnish my paycheck by 25 %, however, they were already doing it. They contacted my employer, XX/XX/XXXX to initiate garnishment. No prior notifications.
On Friday, XX/XX/XXXX, I received a letter they are asking for {$4200.00}. I spoke to their representative XXXX XXXX on Friday too, around XXXX XXXX Eastern. In addition, I have another court date, XX/XX/XXXX in Judge XXXX XXXX office. Cooling & Winter are requesting pay-stubs, bank statements and tax records from XXXX too.
Thank you, Ms. XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
1816532
|
2016-03-04
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Cooling & Winter LLC
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Credit card
|
| Date Received |
2016-03-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-04-19
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3082092
|
2018-11-24
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Cooling & Winter LLC
|
| Product |
Debt collection
|
| Sub Issue |
Sued you without properly notifying you of lawsuit
|
| Sub Product |
Credit card debt
|
| Date Received |
2018-11-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-12-11
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I was served a XXXX by Cooling and Winter dated XX/XX/2018 at my home by Process Servers. I answered the Summons well within the time frame allotted. I never heard back from Cooling and Winter after recording my answer with the XXXX County Clerk of Court. XXXX I visited a relative I had lived with briefly four years ago. He gave me what he thought was a stack of junk mail. However, within that stack were three separate envelops from Cooling and Winter. They included A Notice of Hearing for XX/XX/XXXX, a Summary Final Judgement and their original Motion for Summary Judgment. It is obvious this was done intentionally by Cooling and Winter. They knew my address when filing for a Summons and they had my phone number because I called them when I received the summons. They denied me my Constitutional right to defend myself at trial. And, the court, could they not see, since I wasn't there, that two addresses were used and if they used my relative address it should have been filed in a different County?
|
| Consumer Consent Provided |
Consent provided
|
|
|
6714264
|
2023-03-19
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Cooling & Winter LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Credit card debt
|
| Date Received |
2023-03-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-19
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1847669
|
2016-03-24
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Cooling & Winter LLC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-03-24
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-04-19
|
| Consumer Consent Provided |
N/A
|
|
|
5465080
|
2022-04-19
|
False statements or representation
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Cooling & Winter LLC
|
| Product |
Debt collection
|
| Sub Issue |
Told you not to respond to a lawsuit they filed against you
|
| Sub Product |
Credit card debt
|
| Date Received |
2022-04-19
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-04-19
|
| Consumer Consent Provided |
N/A
|
|
|
1878207
|
2016-04-13
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Cooling & Winter LLC
|
| Product |
Debt collection
|
| Sub Issue |
Indicated committed crime not paying
|
| Sub Product |
Credit card
|
| Date Received |
2016-04-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-12-25
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6714462
|
2023-03-18
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Cooling & Winter LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Credit card debt
|
| Date Received |
2023-03-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-18
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2043715
|
2016-08-03
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Cooling & Winter LLC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-08-03
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-08-10
|
| Consumer Consent Provided |
N/A
|
|
|
2813951
|
2018-02-13
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
Cooling & Winter LLC
|
| Product |
Debt collection
|
| Sub Issue |
Talked to a third-party about your debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2018-02-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-02-13
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2168015
|
2016-10-19
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Cooling & Winter LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-10-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-10-19
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2592866
|
2017-08-02
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Cooling & Winter LLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
I do not know
|
| Date Received |
2017-08-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-08-02
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I received a debt collection notice from XXXX, a subsidiary of XXXX from its attorney, Cooling & Winter. I requested the following : Explain and show me how you calculated the entire amount of what you say I owe ; Provide me with copies of any and all account level documents that show I agreed to pay what you say I owe to include original signatures. Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; If you purchased this alleged account, identify the SELLER you purchased it from and ALL PREVIOUS OWNERS.
Provide me with ANY documentation which establishes your legal standing to collect anything from me.
I was not provided with what was purchased, how the balance was calculated, what interest rate was used, etc. in violation of the Consent Decree that was entered into by XXXX and the Consumer Financial Protection Bureau. I do n't know how these companies continue to conduct business by violating consumer protection laws.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1865161
|
2016-04-05
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Cooling & Winter LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Credit card
|
| Date Received |
2016-04-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-04-19
|
| Complaint What Happened |
Credit card was placed intodebt dispute, during the process of dispute XXXX Law firm issued a suit, We sent in a settlement check which was cashed by the XXXX law firm, we are now receiving further suit threats via Cooling & Winter a law firm who apprently now has taken over this account. We sent XXXX firms faxes with the canceled check and furhter letters of suit are still arriving
|
| Consumer Consent Provided |
Consent provided
|
|
|
2206083
|
2016-11-13
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Cooling & Winter LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Credit card
|
| Date Received |
2016-11-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-11-13
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4478372
|
2021-06-21
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Cooling & Winter LLC
|
| Product |
Debt collection
|
| Sub Issue |
Sued you without properly notifying you of lawsuit
|
| Sub Product |
Credit card debt
|
| Date Received |
2021-06-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-06-21
|
| Complaint What Happened |
I sent a certified letter to Cooling & Winter, LLC on XX/XX/2021 which included a Affidavit of Truth ( notarized ), and a Cease & Desist letter with Exhibit A, and B. As well as an invoice for {$4000.00} for violating my Federally Protected Consumer Rights.
Violations : *15 USC 1692g ( c ) *15 USC 1692b ( 2 ) *15 USC 1692g ( d ) ( e ) *15 USC 1692i ( b )
|
| Consumer Consent Provided |
Consent provided
|
|
|
2059079
|
2016-08-12
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Cooling & Winter LLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to take legal action
|
| Sub Product |
Credit card
|
| Date Received |
2016-08-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-08-12
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2261015
|
2016-12-22
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Cooling & Winter LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-12-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-12-22
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2098508
|
2016-09-07
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Cooling & Winter LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-09-07
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-09-09
|
| Consumer Consent Provided |
N/A
|
|
|
4150299
|
2021-02-19
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Cooling & Winter LLC
|
| Product |
Debt collection
|
| Sub Issue |
Told you not to respond to a lawsuit they filed against you
|
| Sub Product |
Credit card debt
|
| Date Received |
2021-02-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-03-18
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3857215
|
2020-09-21
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Cooling & Winter LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Credit card debt
|
| Date Received |
2020-09-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-09-21
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4683035
|
2021-09-02
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Cooling & Winter LLC
|
| Product |
Debt collection
|
| Sub Issue |
Sued you without properly notifying you of lawsuit
|
| Sub Product |
Credit card debt
|
| Date Received |
2021-09-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-09-02
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4156976
|
2021-02-22
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Cooling & Winter LLC
|
| Product |
Debt collection
|
| Sub Issue |
Sued you without properly notifying you of lawsuit
|
| Sub Product |
Credit card debt
|
| Date Received |
2021-02-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-02-22
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Dear CFPB Representative, Thank you very much for taking the time to review this complaint.
This is a case of a Law firm representing itself in a primary function as a debt collector.. Each letter from the debt collector ( 3 letters ) stated " We are a law firm, at this time no attorney with the firm has personally evaluated or reviewed the particular circumstances of your account ''. However, this firm recently filed a lawsuit against me without any notice or without notice of transitioning from a debt collector to a law firm.
Additionally, this firm did not provide important documentation that I requested on multiple occasions so I properly validate the debt and the determine if this firm has authorization from the creditor to collect the debt.
On XX/XX/2020 I received a letter from this firm, Cooling & Winter ( Letter # 1 ) to regarding credit card debt shown in the amount of {$82000.00}. I responded on XX/XX/2020 ( Response # 1 ). Cooling & Winter sent Letter # 2 and I sent Response # 2 and Cooling & Winter sent Letter # 3 and I sent Response # 3. I did not receive a letter back from Cooling Winter in regard to my last Response # 3. I will attach these 3 Letters & 3 Responses, label accordingly.
Importantly, I did not receive any indication or notice at all that Cooling & Winter intended to transition from a debt collector to a law firm. Additionally I did not receive any notice that Cooling and Winter intended to file suit. Complaint attached. Th e Compliant was mailed by a different firm, XXXX XXXX ( attachment ). I have no knowledge about this firm, XXXX XXXX and never communicated with them. FInally, per my Reponses, you will see I requested multiple times for verification that Cooling & Winter had a license to do business in Florida and that Cooling & Winter had authorization from the Creditor to collect this debt. These are very important as many Collection Agencies do not have authorization and also may not have the license to do business in other states. These among other requests to Cooling & Winter were never specifically addressed. I also requested other documentation to formally validate the debt.
Thank you for your assistance. I am always available to discuss this matter further.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3957907
|
2020-11-16
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Cooling & Winter LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Credit card debt
|
| Date Received |
2020-11-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-11-16
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2501262
|
2017-06-04
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Cooling & Winter LLC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Credit card debt
|
| Date Received |
2017-06-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-06-04
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Between XXXX XXXX and now my daughter { name hidden } has tried contacting Cooling and Winter at XXXX to settled a judgement debt that I owe. She has been calling and calling to no avail. She spoke with a woman name XXXX who told her there were only XXXX agents that accepts call and they are in the garnished department. She and others has transferred NOT ONLY me ( but my daughter ) to XXXX XXXX out of the XXXX reps ) and we have left Voicemails after voicemails with specific instructions on when and how to call my daughter { name hidden }. On XXXX XXXX , 2017 , my daughter received a call from someone name XXXX XXXX who told her that before he can speak with her, he would need a letter of authorization from me. He advised her, once he received the letter, he will call her back. He gave her his email address to email the letter to XXXX XXXX XXXX . The letter was written and signed by ME to allow Cooling & Winter to speak with my daughter regarding this judgement. XXXX XXXX did NOT call neither myself or my daughter back. My daughter called the same day, the next day and the next day to no avail. She even left a message and we quote, " Why is it so hard to get in contact with someone to take care of this judgement? '' We have never called a collection agency just to be told there are only XXXX people that can help us with are debt and when we are trying to get a hold of someone to pay our debt in FULL it 's like pulling pins and needles. This makes no sense that we as the debtor is trying to pay and have something that is affecting my credit taken care of and have a very difficult time trying to get a hold of someone. I feel like this company is doing this to collect more money or something. This has taken too much time and energy for something that we are trying to pay and satisfy. This is a joke and a life within itself. It is XXXX XXXX , 2017 over a month and no one has called us. She left a message on Thursday and Friday and again NO ONE, I repeat NO ONE has called back! At this point, I do n't know what to do but file a complaint against the company to them, news cast and anyone else who would like to listen to point out how when a debtor is trying to pay and satisfy their debt in full, a collection or judgement company is refusing payment and/or not returning their calls. Very sad and the XXXX is affecting me from purchasing a home. I would like this judgement remove for their incompetent, unsatisfied, in responsive actions.
|
| Consumer Consent Provided |
Consent provided
|
|
