Cooling & Winter LLC
236 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Cooling & Winter LLC
Cooling & Winter LLC's 236 logged complaints stay concentrated: only 11 states show a filing on record. 53.4% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - 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.
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.
Frequently Asked Questions
How many CFPB complaints does Cooling & Winter LLC have?
236, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Cooling & Winter LLC respond to complaints on time?
99.6% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Cooling & Winter LLC?
"Attempts to collect debt not owed", filed under the "Debt collection" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.