Cooling & Winter LLC
A federal complaint-record lookup, not a rating from us.
Debt Collector, CFPB Complaint Profile Specializes in: Credit card debt
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.
FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
Complaints by Year
| Year | Complaints |
|---|---|
| 2016 | 42 |
| 2017 | 33 |
| 2018 | 42 |
| 2019 | 22 |
| 2020 | 24 |
| 2021 | 28 |
| 2022 | 13 |
| 2023 | 26 |
| 2024 | 4 |
| 2025 | 2 |
Complaints by State (Top 15)
Other Complaint Types
Your Rights with Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.
- Request written verification of any debt within 30 days of first contact
- Dispute a debt if you believe it is incorrect or does not belong to you
- Demand the collector stop contacting you (in writing)
- File a complaint with the CFPB at consumerfinance.gov/complaint
What the CFPB Record Shows for Cooling & Winter LLC
Cooling & Winter LLC has 226 debt-collection complaints on file with the CFPB, which represents 95.8% of the 236 total complaints the Bureau has received about this entity. Reports have originated from consumers in 11 states and territories, making this a geographically focused collection operation as measured by complaint volume. "Credit card debt" is the debt type named most often in complaints against this collector, the category consumers reach for most when filing a CFPB report. The single most-cited specific issue is "Attempts to collect debt not owed" - a useful starting point for understanding where the friction between this collector and consumers most frequently occurs.
The company's timely response rate is 99.6%, meaning that share of CFPB-forwarded complaints received a reply within the 15-day window the Bureau expects. That figure meets the industry benchmark and indicates an intake process that is functioning on schedule. 0% of resolved cases against this company closed with some form of consumer relief, a notably low ratio worth weighing against the disputed-response percentage. Consumers formally disputed the company's response in 15.4% of resolved cases, signalling how often the initial resolution failed to satisfy the complainant.
How to read these numbers, and what to do if you're disputing a charge
Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Frequently Asked Questions
How many debt collection complaints does Cooling & Winter LLC have?
226 debt-collection complaints against Cooling & Winter LLC appear in the CFPB record - 95.8% of the company's total complaint volume.
Does Cooling & Winter LLC respond to complaints on time?
Cooling & Winter LLC's CFPB timely-response rate is 99.6%. That puts it among the more responsive collectors in the CFPB dataset.
Does Cooling & Winter LLC provide relief to consumers?
0% of resolved complaints against Cooling & Winter LLC were closed with some form of consumer relief (monetary or non-monetary).
What type of debt does Cooling & Winter LLC primarily collect?
Cooling & Winter LLC primarily collects "Credit card debt" based on CFPB complaint data. The full breakdown of debt types is shown above.
What rights do I have against Cooling & Winter LLC?
Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.
In how many states is Cooling & Winter LLC active?
Cooling & Winter LLC has received consumer complaints from 11 states and territories, based on CFPB data.
Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.