CFPB · Single-product concentration
Cooling & Winter LLC
236 CFPB complaints · 95.8% in "Debt collection" · top issue Attempts to collect debt not owed.
Cooling & Winter LLC: 95.8% of 236 CFPB complaints sit in "Debt collection". Timely 99.6% · relief 0%. Allegations, not findings.
- Single-product concentration
- -95.2% filings 2016 to 2025
CFPB relief outcome brief
CCDB company cooling-winter-llc
0% relief · 99.6% timely · 236 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
Cooling & Winter LLC closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Cooling & Winter LLC's 236 filings include narrative text
53.4% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Cooling & Winter LLC complaint mix by product
- Debt collection 226 95.8% – 0% relief
- Credit reporting, 4 1.7% – 0% relief
- Credit card 2 0.8% – 0% relief
- Credit reporting 2 0.8% – 0% relief
- Credit reporting 1 0.4% – 0% relief
- Credit card 1 0.4% – 0% relief
How Cooling & Winter LLC's 236 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 226 |
| Credit reporting, credit repair services, or other personal consumer reports | 4 |
| Credit card or prepaid card | 2 |
| Credit reporting or other personal consumer reports | 2 |
| Credit reporting | 1 |
| Credit card | 1 |
Concentrated filing states for Cooling & Winter LLC
Top states by attributed CFPB complaint volume for this company
- Leading state
- GA
- 76.7% of this company's filings
Cooling & Winter LLC falling annual filings
Annual filing volume from the CFPB public database
- 2025
- 2
- -95.2% vs 2016
Top States
| State | Complaints |
|---|---|
| GA | 181 |
| FL | 29 |
| SC | 6 |
| NC | 4 |
| MS | 3 |
| NY | 2 |
| TX | 1 |
| VA | 1 |
| IN | 1 |
| CO | 1 |
| NH | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 55 |
| Took or threatened to take negative or legal action | 52 |
| Written notification about debt | 38 |
| False statements or representation | 33 |
| Communication tactics | 12 |
| Cont'd attempts collect debt not owed | 12 |
| Taking/threatening an illegal action | 11 |
| Disclosure verification of debt | 8 |
| Incorrect information on your report | 3 |
| Improper contact or sharing of info | 2 |
| Threatened to contact someone or share information improperly | 2 |
| Getting a credit card | 1 |
| Problem with a credit reporting company's investigation into an existing problem | 1 |
| Problem with a company's investigation into an existing problem | 1 |
| Electronic communications | 1 |
| Improper use of your report | 1 |
| Incorrect information on credit report | 1 |
| Other | 1 |
| Other features, terms, or problems | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2016 | 42 | 100% |
| 2017 | 33 | 100% |
| 2018 | 42 | 100% |
| 2019 | 22 | 100% |
| 2020 | 24 | 100% |
| 2021 | 28 | 100% |
| 2022 | 13 | 100% |
| 2023 | 26 | 100% |
| 2024 | 4 | 100% |
| 2025 | 2 | 50% |
Source: CFPB Consumer Complaint Database
Cooling & Winter LLC filings cluster in one product
Cooling & Winter LLC's 236 logged complaints stay concentrated: only 11 states show a filing. 53.4% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2016 through 2025-05-02.
Cooling & Winter LLC answers 99.6% of complaints inside the CFPB's tracked window and closes 99.6% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Attempts to collect debt not owed."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Cooling & Winter LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Cooling & Winter LLC: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 236.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.6%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Cooling & Winter LLC (99.6% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration