Cooling & Winter LLC -- Consumer Complaint Report & Risk Analysis
Cooling & Winter LLC: Debt Collection Practices Raise Concerns
Complaint Summary
Cooling & Winter LLC has received 19 consumer complaints filed with the CFPB across 2 products. The most common issues reported are took or threatened to take negative or legal action, written notification about debt, attempts to collect debt not owed. Complaints span 6 states, with Georgia and South Carolina leading in complaint volume.
Company Overview
Company: Cooling & Winter LLC
Total CFPB Complaints: 19
AI Risk Score: 42/100
Most Recent Complaint: 2022-10-18T12:00:00-05:00
Risk Breakdown
- Complaint Volume: medium
- Response Quality: fair
- Issue Recurrence: high
- Consumer Harm Severity: low
AI Company Analysis
Cooling & Winter LLC has 19 consumer complaints on file with the CFPB. Company has a history of taking or threatening legal action against customers. Customers have reported receiving written notifications about debt.
Response Quality Assessment
fair
Top Consumer Issues
Company has engaged in debt collection practices that may be considered aggressive. -- Severity: medium
Red Flags
- Customers have reported that the company has taken or threatened to take negative or legal action against them.
Green Flags
- The company has a history of sending written notifications about debt.
Consumer Tips & Advice
Consumers should be cautious and verify the accuracy of any debt claims before responding.
Complaint Trend Analysis
There is a trend of increasing complaints about aggressive debt collection practices.
Regulatory History
There is a history of regulatory action against the company for improper debt collection practices.
Industry Context
The company operates in an industry where debt collection practices are closely monitored for fairness and legality.
Frequently Asked Questions About Cooling & Winter LLC
How many CFPB complaints does Cooling & Winter LLC have?
Cooling & Winter LLC has 19 complaints on file with the CFPB. The most recent complaint was filed on October 18, 2022.
What is Cooling & Winter LLC's complaint response rate?
Response rate data is not yet available for Cooling & Winter LLC.
Does Cooling & Winter LLC respond to complaints on time?
Timely response data is not yet available for Cooling & Winter LLC.
Is Cooling & Winter LLC safe to do business with?
Cooling & Winter LLC: Debt Collection Practices Raise Concerns Cooling & Winter LLC has 19 CFPB complaints. Risk score: 42/100.
What red flags exist for Cooling & Winter LLC?
Potential red flags for Cooling & Winter LLC: Customers have reported that the company has taken or threatened to take negative or legal action against them.. These are based on analysis of CFPB complaint patterns.
What are Cooling & Winter LLC's strengths?
Positive indicators for Cooling & Winter LLC: The company has a history of sending written notifications about debt..
What tips should consumers know about Cooling & Winter LLC?
Consumers should be cautious and verify the accuracy of any debt claims before responding.
Are complaints against Cooling & Winter LLC increasing or decreasing?
There is a trend of increasing complaints about aggressive debt collection practices. Cooling & Winter LLC currently has 19 total complaints.
Has Cooling & Winter LLC faced regulatory action?
There is a history of regulatory action against the company for improper debt collection practices.
How does Cooling & Winter LLC compare to industry peers?
The company operates in an industry where debt collection practices are closely monitored for fairness and legality.
What specific actions has Cooling & Winter LLC taken that have led to complaints?
The company has taken or threatened to take negative or legal action against customers, and has sent written notifications about debt.
Recent Complaints Against Cooling & Winter LLC
| Complaint ID | Product | Issue | Date Received | Company Response | State |
|---|---|---|---|---|---|
| #8297258 | Debt collection | Communication tactics | 2024-02-06T12:00:00-05:00 | Georgia | |
| #7752369 | Debt collection | Took or threatened to take negative or legal action | 2023-10-24T12:00:00-05:00 | Georgia | |
| #7569074 | Debt collection | Took or threatened to take negative or legal action | 2023-09-18T12:00:00-05:00 | Georgia | |
| #7067553 | Credit card or prepaid card | Getting a credit card | 2023-06-04T12:00:00-05:00 | Georgia | |
| #6776174 | Debt collection | Written notification about debt | 2023-03-30T12:00:00-05:00 | Georgia | |
| #6624499 | Debt collection | Attempts to collect debt not owed | 2023-02-27T12:00:00-05:00 | Georgia | |
| #6617274 | Debt collection | Took or threatened to take negative or legal action | 2023-02-25T12:00:00-05:00 | South Carolina | |
| #6101311 | Debt collection | Written notification about debt | 2022-10-18T12:00:00-05:00 | Georgia | |
| #6090556 | Debt collection | Took or threatened to take negative or legal action | 2022-10-15T12:00:00-05:00 | Mississippi | |
| #5925716 | Debt collection | Written notification about debt | 2022-08-28T12:00:00-05:00 | North Carolina | |
| #5909691 | Debt collection | Took or threatened to take negative or legal action | 2022-08-23T12:00:00-05:00 | New Hampshire | |
| #5111928 | Debt collection | Took or threatened to take negative or legal action | 2022-01-15T12:00:00-05:00 | Georgia | |
| #4957783 | Debt collection | Took or threatened to take negative or legal action | 2021-11-29T12:00:00-05:00 | Georgia | |
| #4948880 | Debt collection | Took or threatened to take negative or legal action | 2021-11-26T12:00:00-05:00 | Georgia | |
| #4532419 | Debt collection | Attempts to collect debt not owed | 2021-07-10T12:00:00-05:00 | Georgia | |
| #4529912 | Debt collection | Written notification about debt | 2021-07-09T12:00:00-05:00 | Georgia | |
| #4478372 | Debt collection | Took or threatened to take negative or legal action | 2021-06-21T12:00:00-05:00 | Florida | |
| #4459932 | Debt collection | Attempts to collect debt not owed | 2021-06-14T12:00:00-05:00 | Georgia | |
| #4448703 | Debt collection | False statements or representation | 2021-06-10T12:00:00-05:00 | Georgia |
Cooling & Winter LLC Complaints by State
- Cooling & Winter LLC Complaints in Georgia -- 14 complaints
- Cooling & Winter LLC Complaints in South Carolina -- 1 complaints
- Cooling & Winter LLC Complaints in Mississippi -- 1 complaints
- Cooling & Winter LLC Complaints in North Carolina -- 1 complaints
- Cooling & Winter LLC Complaints in New Hampshire -- 1 complaints
- Cooling & Winter LLC Complaints in Florida -- 1 complaints
Cooling & Winter LLC Complaints by Product
Cooling & Winter LLC Complaints by Issue
- Cooling & Winter LLC -- Took or threatened to take negative or legal action -- 9 complaints | All Took or threatened to take negative or legal action Complaints
- Cooling & Winter LLC -- Written notification about debt -- 4 complaints | All Written notification about debt Complaints
- Cooling & Winter LLC -- Attempts to collect debt not owed -- 3 complaints | All Attempts to collect debt not owed Complaints
- Cooling & Winter LLC -- Communication tactics -- 1 complaints | All Communication tactics Complaints
- Cooling & Winter LLC -- Getting a credit card -- 1 complaints | All Getting a credit card Complaints
- Cooling & Winter LLC -- False statements or representation -- 1 complaints | All False statements or representation Complaints
Disclaimer
This analysis is based on CFPB complaint data and AI interpretation.
About This Report
This consumer complaint report for Cooling & Winter LLC is generated by ReadTheComplaint using AI analysis of data from the CFPB.