CFPB Consumer Complaint Profile

Cooling & Winter LLC

Behind the 236 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.

Data updated 2026-05-15

236
Total complaints
1
Last 12 months
99.6%
Timely response
11
States affected

The verdict

Among 3,848 financial companies tracked by CFPB complaint volume, Cooling & Winter LLC sits at #814, with 236 complaints logged. Its on-time response rate is 99.6%, ahead of the 93% median among companies with 100+ complaints.

#814
of 3,848 companies by volume
99.6%
answered on time
Debt collection
most-complained product
11
states with complaints
Cooling & Winter LLC timely response rate 99.6%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - Credit card debt 144
Debt collection - Credit card 32
Debt collection - I do not know 24
Debt collection - Other (i.e. phone, health club, etc.) 12
Debt collection - Other debt 9
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 4
Debt collection - Auto debt 3
Credit reporting or other personal consumer reports - Credit reporting 2
Credit card or prepaid card - General-purpose credit card or charge card 2
Debt collection - Mortgage debt 1

Top Issues

1.Attempts to collect debt not owed 55
2.Took or threatened to take negative or legal action 52
3.Written notification about debt 38
4.False statements or representation 33
5.Communication tactics 12
6.Cont'd attempts collect debt not owed 12
7.Taking/threatening an illegal action 11
8.Disclosure verification of debt 8
9.Incorrect information on your report 3
10.Improper contact or sharing of info 2

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)

Georgia 181
Florida 29
South Carolina 6
North Carolina 4
Mississippi 3
New York 2
Texas 1
Indiana 1
New Hampshire 1
Colorado 1
Virginia 1

Company Responses

Closed with explanation 235
Untimely response 1

What the CFPB Complaint Record Shows for Cooling & Winter LLC

The CFPB Consumer Complaint Database has logged 236 complaints against Cooling & Winter LLC overall, with 1 of those filed in the trailing 12 months. Reports have come from consumers in 11 states and territories, making this a geographically concentrated complaint footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.

Cooling & Winter LLC's timely response rate stands at 99.6%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Consumers formally disputed the company's response in 15.4% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. 0% of resolved complaints ended with some monetary or non-monetary relief for the consumer.

How to read complaint counts

Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.

Frequently Asked Questions

How many CFPB complaints does Cooling & Winter LLC have?

236 complaints have been filed against Cooling & Winter LLC with the CFPB overall - 1 of them in the past year.

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 companies in the CFPB dataset.

What product generates the most complaints for Cooling & Winter LLC?

"Debt collection" draws more CFPB complaints against Cooling & Winter LLC than any other product - see the full breakdown above.

What is the most common complaint issue with Cooling & Winter LLC?

Consumers most often cite "Attempts to collect debt not owed" when complaining about Cooling & Winter LLC; the full issue list with counts is above.

How do I file a complaint against Cooling & Winter LLC?

You can file a complaint against Cooling & Winter LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.

In how many states have consumers complained about Cooling & Winter LLC?

Consumers in 11 states and territories have filed complaints about Cooling & Winter LLC with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.

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Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.