What is the most common complaint against Cooling & Winter LLC?

The most common issue consumers report about Cooling & Winter LLC is "Attempts to collect debt not owed", specifically "Didn't receive enough information to verify debt". This is based on 226 complaints filed with the CFPB.

Are complaints against Cooling & Winter LLC increasing or decreasing?

Complaints against Cooling & Winter LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Cooling & Winter LLC's reputation grade?

Cooling & Winter LLC has a reputation grade of C (score: 56.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Cooling & Winter LLC respond to consumer complaints?

Cooling & Winter LLC has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 16% of cases.

In how many states does Cooling & Winter LLC operate?

Cooling & Winter LLC has received CFPB complaints from consumers in 10 states, with the most complaints from Georgia (173 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Cooling & Winter LLC - Debt Collector Complaint Profile

CFPB complaint profile across 10 states, reputation grade C.

Compiled by PlainCollector

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

Data updated September 2026

CFPB complaint disposition

CCDB record cooling-winter-llc Cooling & Winter LLC

Grade C · 226 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #482 · compose #3148

VOL 226
GRADE C
12MO 0
STATES 10
TIMELY 100%
DISPUTE 16%
ISSUE Attempts to collect debt n…
RANK #482
COMPOSE #3,148

Volume peers

Nearest volume peer: Freedom Financial Network (226 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Cooling & Winter LLC's 226 CFPB complaints sit next to Freedom Financial Network on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

76.5% of Cooling & Winter LLC's CFPB filings land in Georgia

High volume does not equal a clean composite: Cooling & Winter LLC is volume #482 but composite #3,148, while Georgia dominates the geography. Corpus placement method.

Dominant state: Georgia 76.5%; 173 of 226 filings · 10 states touched
Even monthly load: Peak under 8%; Highest month 2016-08 at 7.7% (2 filings)
Divergent corpus ranks: #482 volume; #3,148 composite; Cleanest-composite ladder is 2,666 places worse than volume

How does Cooling & Winter LLC compare to its peers?

How does Cooling & Winter LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Cooling & Winter LLC National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

97%

91%

Consumer-dispute ratelower is better

16%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-09 2026-03

Issue Detail Breakdown

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
Threatened to contact someone or share information improperly	2
Improper contact or sharing of info	2

Where do complaints against Cooling & Winter LLC come from?

Cooling & Winter LLC's own per-state count, not a national baseline.

Georgia

173
Florida

28
South Carolina

6
North Carolina

4
Mississippi

3
New York

2
Colorado

1
Indiana

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Cooling & Winter LLC: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 226.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.5575221238938%.

4 peers

Know your rights before responding to Cooling & Winter LLC: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.