Debt collection -- Took or threatened to take negative or legal action -- Complaint #4478372
Complaint Overview
Complaint ID: 4478372
Company: Cooling & Winter LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Sued you without properly notifying you of lawsuit
State: Florida
ZIP Code: 33032
Date Received: 2021-06-21T12:00:00-05:00
Date Sent to Company: 2021-06-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I sent a certified letter to Cooling & Winter, LLC on XX/XX/2021 which included a Affidavit of Truth ( notarized ), and a Cease & Desist letter with Exhibit A, and B. As well as an invoice for {$4000.00} for violating my Federally Protected Consumer Rights. Violations : *15 USC 1692g ( c ) *15 USC 1692b ( 2 ) *15 USC 1692g ( d ) ( e ) *15 USC 1692i ( b )
Frequently Asked Questions
What is Complaint #4478372 about?
Complaint #4478372 was filed against Cooling & Winter LLC regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2021-06-21T12:00:00-05:00.
How did Cooling & Winter LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Cooling & Winter LLC?
Yes, visit the Cooling & Winter LLC company profile at readthecomplaint.com/company/cooling-winter-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.