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

CFPB complaint data Grade C 226 complaints

Cooling & Winter LLC - Debt Collector Complaint Profile

CFPB complaint profile across 10 states, reputation grade C.

Complaints by issue type

What consumers report about Cooling & Winter LLC

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 #80

  • VOL 226
  • GRADE C
  • 12MO 0
  • STATES 10
  • TIMELY 100%
  • DISPUTE 16%
  • ISSUE Attempts to collect debt n…
  • RANK #482
  • COMPOSE #80

Volume peers

Nearest volume peer: Freedom Financial Network (226 complaints)

Freedom Financial NetworkFreedom Financial Network226LexisnexisLexisnexis226Cooling & Winter LLC (this)Cooling & Winter LLC (this)226Tenaglia & Hunt, PATenaglia & Hunt, PA228R.A.Rogers, Inc.R.A.Rogers, Inc.229
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 →

How the 226 complaints break down

Every complaint issue type on record for Cooling & Winter LLC, not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
56.0/100
Cooling & Winter LLC

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
226
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
16%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

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

Concentration is computed from this collector's company_states rows only, not a national baseline. 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)
Corpus ranks
#482 volume
#80 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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
0
72
268
Timely-response ratehigher is better
100%
97%
91%
Consumer-dispute ratelower is better
16%
0%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Cooling & Winter LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 40%60%80%100%120% 0%20%40%60%80% Timely response rate (%) Dispute rate (%) Cooling & Winter LLC vs. 9 similar-volume peers, by response speed and dispute rate Cooling & Winter LLCLEXISNEXISTenaglia & Hunt, PARSI Enterprises, Inc.R.A.Rogers, Inc.ALCHRO INC.CHECK INTO CASH INC.Alpha Recovery CorpMeade & Associates, Inc.Torres Credit Services, Inc.
Source: CFPB Consumer Complaint Database

Cooling & Winter LLC's complaint volume in context

Cooling & Winter LLC vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

226 Top 9% higher than 91% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Cooling & Winter LLC 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
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.

Top states by complaints against Cooling & Winter LLC

Across 10 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.