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 2026-08-14
- 236
- Total complaints
- Above average
- 1
- Last 12 months
- 99.6%
- Timely response
- Top decile
- 11
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Cooling & Winter LLC sits at #813, with 236 complaints logged. Its on-time response rate is 99.6%, the 74th percentile among companies with 100+ complaints.
- #813
- of 3,843 companies by volume
- 99.6%
- on time (74th pctile)
- Debt collection
- most-complained product
- 11
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Cooling & Winter LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.6% Higher than most higher than 74% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
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)
Company Responses
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 at a 15.4% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0% rate.
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, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Cooling & Winter LLC: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (15.4% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.