Total CFPB complaints
16
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 16 complaints
COOLEY ENTERPRISES INC — Debt Collector Complaint Profile
CFPB complaint profile across 3 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about COOLEY ENTERPRISES INC
- Attempts to collect debt not owed
Attempts to collect debt not owed
6 complaints
- Written notification about debt
Written notification about debt
3 complaints
- Communication tactics
Communication tactics
3 complaints
- False statements or representation 2
False statements or representation
2 complaints
- Taking/threatening an illegal action 1
Taking/threatening an illegal action
1 complaints
- Disclosure verification of debt 1
Disclosure verification of debt
1 complaints
F
Grade F · 38.4/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about COOLEY ENTERPRISES INC?
COOLEY ENTERPRISES INC has accumulated 16 total CFPB complaints across 3 states, with 2 filed in the most recent 12 months against 14 historical complaints before that window. The trailing-12-month volume represents 12.5% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt was result of identity theft", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 13% timely-response rate against a 25% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 3 states, led by Texas with 14 and Georgia with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 38.4/100 places COOLEY ENTERPRISES INC in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
2
12.5% of total history
Rising ↑
States active
3
Distinct state filings
Timely response rate
13%
Within CFPB SLA window
Consumer disputes
25%
After company response
Reputation grade
F
38.4/100 composite
Response-quality profile
How COOLEY ENTERPRISES INC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 12.5%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 50.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 5.4%
Share of US states + territories with at least one filed complaint against this collector.
How does COOLEY ENTERPRISES INC compare to its peers?
COOLEY ENTERPRISES INC National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2014-10 2026-01
Top Consumer Issues
Attempts to collect debt not owed6 (%)
Written notification about debt3 (%)
False statements or representation2 (%)
Communication tactics3 (%)
Taking/threatening an illegal action1 (%)
Disclosure verification of debt1 (%)
Most common issue: Attempts to collect debt not owed — Debt was result of identity theft
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt was result of identity theft | 4 |
| Written notification about debt | Didn't receive enough information to verify debt | 3 |
| False statements or representation | Attempted to collect wrong amount | 2 |
| Communication tactics | Frequent or repeated calls | 2 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 1 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 1 |
| Disclosure verification of debt | Not given enough info to verify debt | 1 |
| Communication tactics | Used obscene/profane/abusive language | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
Where do complaints against COOLEY ENTERPRISES INC come from?
The states where consumers have filed the most CFPB complaints against COOLEY ENTERPRISES INC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against COOLEY ENTERPRISES INC
Across 3 states with at least one filing
- Texas
Texas
14 complaints
- Georgia 1
Georgia
1 complaints
- Massachusetts 1
Massachusetts
1 complaints
Frequently Asked Questions
What is the most common complaint against COOLEY ENTERPRISES INC? ▼
The most common issue consumers report about COOLEY ENTERPRISES INC is "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This is based on 16 complaints filed with the CFPB.
Are complaints against COOLEY ENTERPRISES INC increasing or decreasing? ▼
Complaints against COOLEY ENTERPRISES INC are rising. The company received 2 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is COOLEY ENTERPRISES INC's reputation grade? ▼
COOLEY ENTERPRISES INC has a reputation grade of F (score: 38.4/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does COOLEY ENTERPRISES INC respond to consumer complaints? ▼
COOLEY ENTERPRISES INC has a 13% timely response rate to CFPB complaints. Consumers disputed the company's response in 25% of cases.
In how many states does COOLEY ENTERPRISES INC operate? ▼
COOLEY ENTERPRISES INC has received CFPB complaints from consumers in 3 states, with the most complaints from Texas (14 complaints).
What can I do if COOLEY ENTERPRISES INC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If COOLEY ENTERPRISES INC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |