Cooling & Winter LLC

What the CFPB Record Shows for Cooling & Winter LLC

PlainCredit places Cooling & Winter LLC at #339 of 656 debt collectors by CFPB debt-collection complaint volume (48th percentile), matching the Collectors directory ranking. 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.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.

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