Cooling & Winter LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/28/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30338	Web	Older American
CFPB complaint XXXX : Cooling & Winter LLC, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. Date : XXXX/XXXX/XXXX On XXXX XXXX, XXXX I received a letter from law firm/collection agency Cooling & XXXX XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX. XXXX & XXXX file XXXX alleges that I owe {$870.00} on a closed and written-off account originated at XXXX XXXX Bank ( COB ) in XXXX XXXX, NV on XXXX XXXX, XXXX. That account was previously unknown to me. I have never applied for, received or used credit cards or made payment on that account. The account limit was {$500.00}, with an APR shown ranging from just under/over 18 %. I can not determine when the amount alleged to be due exceeded {$500.00}, but there must be junk penalties and fees included. I replied to the XXXX & XXXX letter on XXXX XXXX, which included a threat to sue me, by denying their claim as described above, and asked that they furnish as relevant documentation, which would include a copy of the credit card agreement signed by me. Otherwise, I would consider it a closed matter. On XXXX XXXX, I received a pile of redacted legal papers indicating the fraudulent- looking shuffling of this account between the related companies XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX MHC, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX There were the usual threatening references to debt collection, how many states XXXX & XXXX do business in, etc. I replied on XXXX XXXX after doing some investigations on my end, including whether or not XXXX XXXX and another bank that I had made some payments to in behalf of my son were related ( they are not XXXX, again asked for a signed copy of a credit card agreement, and advised that during XXXX some payments were relayed through me in behalf of my son to a few creditors for my son due to some problems that he had including banking, employment and legal matters. Records show that XXXX XXXX was not paid anything during that time, which is a moot point anyway. On XXXX XXXX, XXXX & XXXX responded with another pile of documents ( many the same as before ) and some FTC forms to fill out and return to them regarding identity theft. Again they ignored by request for signature documentation, while again the threats of legal action by a big firm. I see this as a problem with or within this group up untrustworthy companies, not XXXX of identity theft. I also spotted something in my credit report that indicates that someone re-opened this account in question in XXXX, XXXX, probably around XXXX XXXX. I think I read somewhere in my research that such a practice is illegal? This matter was then critically aggravated when a process server gave me papers already filed in XXXX XXXX XXXX GA XXXX Magistrate Court by XXXX & XXXX on XXXX XXXX, XXXX! I have not corresponded with XXXX & XXXX since then. I did get another message that they may be inconveniencing me, and therefore XXXX has mentioned a possible reduction of the cost to settle. Again, there was no signed credit card agreement or any other proof that I owe anything to them. I continued to belief XXXX & XXXX XXXX XXXX. XXXX have not case, so I ignored it. Meanwhile, I have had XXXX contacts with attorneys. XXXX stated flatly that in the absence of a signed credit card agreement, there is no case. The other, a consumer protection XXXX, told me to file a complaint with the CFPB and that I have a case against XXXX & XXXX, and possibly XXXX, XXXX He steered me to documents on the internet showing a {$15.00} XXXX class action settlement against XXXX XXXX XXXX that has, after much foot-dragging, begun to be paid. Also, there is a {$3.00} XXXX case against XXXX XXXX XXXX brought in the XXXX XXXX XXXX XXXX Georgia by the CFPB for operating an illegal debt collection lawsuit mill. I have an interest to participate in that suit, noting that a Federal judge has denied the attempts by XXXX & XXXX to have the case dismissed/alter the applicable statute of limitations. ( That was in XXXX, XXXX, and yet they gouge on! ) My interest is because it appears that the placing of a negative report on my credit report sometime in XXXX has caused damage to my credit rating and to my finances. It is difficult to determine when that happened due to the shuffling of the account among the connected companies XXXX XXXX XXXX, XXXX and XXXX or XXXX, XXXX. During those months, XXXX XXXX changed my virtually limitless green card limit to {$26000.00}, virtually curtailing any more use of that card. Bank XXXX XXXX, citing a history of delinquency lopped of {$10000.00} in available credit on XXXX account, and terminated another that had no balance. And when changing mobile phone service to XXXX, they did not want to let me, personally, use auto-pay, but accepted my wife to have ownership if the account because her XXXX XXXX was better. I very much look forward to your assistance and the resulting replies. I am not looking forward to my court date tonight. The leopards have not changed their spots, so seriously need more convincing.
02/08/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 305XX	Web	Older American
After reading my issues please contact me, so I can further explain the cruel, inhuman way my family has been treated. This story is so immoral, you will have to investigate the tactics Cooling and Winter have done, to thousands of other people. They were originally XXXX XXXX XXXX XXXX XXXX. Yes, the very SAME firm that in XX/XX/XXXX was fined {$3.00} million and SHUT DOWN BY THE FEDERAL GOVERNMENT they ARE HIRED BY " XXXX XXXX XXXX '' to get owed money at all cost. XXXX DEBT SITE : XXXX and XXXX XXXX XXXX ' FDCPA site : XXXX ( FDCPA trouble ) The CFPB Complaint Database shows the type of complaints filed by others which the GOVERNMENT ALREADY KNOWS ABOUT!! Just so my story will resonate the truth, you will see my words speak the truth. Cooling & Winter as of XX/XX/XXXX you will find the truth about this firm and how they DESTROY a family. They have destroyed mine. In FEDERAL COURT, see XXXX which has 30 lawsuits against Cooling & Winter with 21 cases based on FDCPA Violations,1 is a FCRA violation. I am one of THOUSANDS that ALL HAVE THE SAME EXACT STORY. Could we all be liars, XXXX, thieves, losers, told to EAT SOUP, GET A JOB.SELL MY JEWELRY? My son in XX/XX/XXXX was in a catastrophic motorcycle accident. we were told he would never XXXX XXXX ( have medical reports ) it was beyond heart-wrenching. His medications were {$1200.00} to {$1800.00} per month. I wrote EVERY CREDITOR I HAD, WITH THE SAME LETTER STATING MY untimely, and financially inability to pay, the minimum amount due on my cards. I did send them EVERY MONTH XXXX or XXXX. may not seem like a lot, however all I had as income was my social security check THATS IT. I was in no way LYING OR SCHEMING ( THEIR WORDS ) to not pay my debt. My main concern was taking care of my son who was medically unable to XXXX XXXX XXXX XXXX. I tried to get XXXX for his prescriptions ( have the letter ) he lived with me, and because I have a home, I was 100 % responsible. I have been on XXXX for ten years ( have the documents ). During this period, taking care of his needs, AND BEING HARRASSED BY COOLING & WINTER I became very ill. I was hospitalized 12 times. Due to the stress of this ONE LAW FIRM. I HAVE NOT HAD ONE NOT ONE CREDITOR ABUSE ME. NOW, after their threatening to take my home, the ONLY ASSET I HAVE for {$21000.00} I had a complete XXXX. I was hospitalized for six ( 6 ) days at an institution. My Doctor has stated due to " XXXX XXXX XXXX XXXX XXXX WHICH HAS IMPACTED HER XXXX XXXX, DUE TO ONGOING LEGAL ISSUES. I begged them to take me to court. I had nothing to hide, nor was I ashamed for my inability to handle their frightening phone calls. I got a summons in the mail and I gladly appeared, with all the documents I had. I have two witnesses that saw what happened and how illegal they really are. I was OUTSIDE THE COURTROOM, UNDER THE CAMERA SHOULD YOU NEED TO SEE THE PROOF OF THE TIME AND DATE, SHOWING " I NEVER HAD MY OPPORTUNITY TO ADDRESS THE JUDGE ''. XXXX XXXX approached me and asked me my name. Which I gave him, as he saw my 7 files, I brought with me. He stated, " ARE YOU PAYING TODAY ''? I SAID NO. " HE PROCEED TO INTIMATE ME ( yes, without a doubt ) by continuing to state " YOU CAME HERE TODAY WITHOUT MONEY ''?? As though I was pure filth. Then he says, " SIGN THIS ''. I said " I'm not signing anything UNTIL I SEE THE JUDGE. Mr. XXXX, states " YOU NEED TO SIGN THIS ITS YOUR WORDS STATING YOU AREN'T PAYING TODAY ''. so yes, I signed it. I had NO IDEA I WAS SIGNING A " CONSENT JUDGEMENT ''. BTW, I had only been out of the hospital, for 5 days. I have copies of the letters ( second ones stating such ) my second letter was to the courthouse AND COOLING & winter STAMPED BY THE MAGISTRATE COURT XX/XX/XXXX at XXXX.They filed a lien on my home, THE ONLY THING I OWN, OTHER THAN A CAR 19 YEARS OLD. ON XX/XX/XXXX, they sure didn't waste any time. They have now filed 4 more liens ; this is beyond what a law firm that represents a bank such as XXXX XXXX XXXX REPRESENTS TO THE VERY PEOPLE, THEY DO BUSINESS WITH. THE PUBLIC would or should know what they have done to me and my family. My XXXX young Grandchildren live with me as well, FULLTIME. These people have gone over and above making it impossible for me to provide shelter for my XXXX son, XXXX grandchildren, and myself and my Husband who has suffered a XXXX XXXX while this has been going on. The few People I know have said my story needs to be told. Sadly, it's the same story I have read about, and heard from OTHER ATTORNEY 'S ABOUT AS WELL. Trying to deal with these people, have been impossible. They don't want to settle, WHAT THEY CLEARLY WANT IS TO TAKE THE ONLY THING I HAVE WHICH IS MY HOME. FOR CREDIT CARDS I TRIED TO PAY. If you find this story even remotely hard to believe Please contact me. I have a lot more detailed information, as to what this so called " LAWFIRM HAS DONE '' please help me, help my family, and help others who are to beaten down to try. God Bless.
08/17/2023	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	GA 30274	Web
XXXX Dear COOLING & WINTER, LLC, I am writing to you today to express my serious concern about the evident violations of the Fair Debt Collection Practices Act ( FDCPA ) that I have experienced due to the actions of your company. Specifically, you have violated codes. 15 U.S. Code 1692b 15 U.S. Code 1692e ( 3 ) 15 U.S. Code 1692j ( b ) 15 U.S. Code 1692f ( 7 ) 15 U.S. Code 1692e ( 10 ) 15 U.S. Code 1692e ( 13 ) 15 U.S. Code 1692i ( b ) 15 U.S. Code 1692f ( 1 ) Enclosed, you will find evidence of these violations, along with an invoice and a detailed affidavit outlining these infractions. Furthermore, your dated letter serves as a clear example of your agency 's negligence toward ethical and legal obligations. I demand your prompt action to address these matters, as they not only highlight your agency 's lack of competence, but also a concerning disregard for consumer rights. Your actions have caused me to suffer significant harm, including emotional distress, damage to my reputation, and derogatory marks on my consumer report. This is unacceptable, and I demand that all derogatory marks are immediately removed from my consumer report. Furthermore, I demand that you pay the attached invoice for the cost of the harm caused by your violations. Your failure to comply with these demands will result in further legal action against your company to uphold my rights. I want to emphasize how seriously I take this matter, and how deeply disappointed I am that your company would violate such important regulations. The FDCPA exists to protect consumers from harassment, abuse, and other unfair debt collection practices. I urge you to take immediate action to rectify the situation, and to ensure that similar violations do not occur in the future. Please respond to this letter promptly with your plan for addressing these issues. I expect a response no later than XXXX XXXX XXXX Enclosed documents : Initial Letter from COOLING & WINTER, LLC ( Dated XXXX ) Proof of Violations ( Exhibit 1, on XXXX Exhibit 2, on XXXX, Exhibit 3 on XXXX ) Invoice for Damages Affidavit of Violations Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. c/o XXXX XXXX XXXX XXXX XXXX XXXX AFFIDAVIT OF FACT Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder, in due course of any and all derivatives thereof for the given name XXXX XXXX XXXX and being the executor both public and private for all matter proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a fact that affiant is the only natural person with first-hand competent knowledge of the facts of this transaction. 2. It is a fact that affiant is a consumer as defined in the relevant act because affiant is a natural person. 3. It is a fact that COOLING & WINTER, LLC is in violation of the relevant act for using their logo indicating that they are in the debt collection business. ( See Exhibit 1 ) 4. It is a fact that COOLING & WINTER, LLC is in violation of the relevant act for false or misleading representations for indication that the communication is from an attorney. ( See Exhibit 1 ) 5. It is a fact that COOLING & WINTER, LLC is a debt collector as defined in the relevant act because they are attempting to collect an alleged debt. ( See Exhibit 1 ) 6. It is a fact that COOLING & WINTER, LLC is in violation of the relevant act for communicating with affiant by postcard without the expressed direct permission of affiant. ( See Exhibit 1 ) 7. It is a fact that COOLING & WINTER, LLC is in violation of the relevant act for stating the affiant owes an alleged debt. ( See Exhibit 1 ) 8. It is a fact that COOLING & WINTER, LLC is in violation of the relevant act for false or misleading representations for implication of legal documentation. ( See Exhibit 2 & Exhibit 3 ) 9. It is a fact that COOLING & WINTER, LLC is in violation of the relevant act for legal actions by debt collectors by implication of having authorization to bring legal action. ( See Exhibit 2 & Exhibit 3 ) 10. It is a fact that COOLING & WINTER, LLC is in violation of the relevant act for stating the affiant owes an alleged debt. ( See Exhibit 2 & Exhibit 3 ) 11. It is a fact that COOLING & WINTER, LLC is in violation of the relevant act for request of collecting greater amount than what is allegedly owed. ( See Exhibit 2 & Exhibit 3 ) I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, and accurate to the best of my knowledge so be it ; AFFIDAVIT OF FACT I DO NOT accept this offer to contract. I DO NOT consent to these proceedings.
08/17/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	SC 29420	Web
Papers was served at my parents address in XX/XX/XXXX. It was given to my step father not me ( defendant ). I was summoned to answer allegations within thirty days from the first day of receipt pop the summon. Papers was filed XX/XX/XXXX and I was given less than thirty days to respond. I respond to the attached paper worked and disputed the amount ( {$3100.00} ) that was owned. I was instructed to file an answer with the magistrate court. I received a letter dated XX/XX/XXXX from Cooling & Winter stating that we are in " settlement discussions ''. I never spoke with anyone about a settlement at that time. The letter also read that an offer was made to the defendant. It read the " The Plaintiff would request a continuance for 14 days. I called the magistrate office to seek legal help. Wasn't able to get any legal representation. Being that I did not understand any of the court proceedings or terms that was used. I then attempted to call Cooling and Winter to get a better understanding of what this company wants. I spoke with a few agents not sure the names. I then was transferred to one of their reps and or atoner. I can not remember the correct name. I was instructed by him that I would need to settle my debt with XXXX XXXX XXXXXXXX. I assured hi that this debt was placed and charged off on my credit. He gave me 2 payment plan options that exceeded my ability to pay. 1st ( {$88.00} for 24 months ) 2nd ( {$60.00} for 36 months ) I told him I am unemployed and I will not be financially able to pay either amounts. I then told him I can pay no more than $ 25-40 a month. He then said he will talk to his client and call me back. I got a call back within a few days. He said that his client can not except that offer and I would have to choose between the option I was given or a judgement will be filed against me. I told him its a settlement that would get me up for failure. I declined the offer and told him I need a better understanding of the request. I later received a letter that a bench trial was scheduled XXXX XXXX. In fear of not having the correct knowledge to defend myself. I called Cooling & Winter to try and settle this matter. I did not have the correct knowledge of a judgment or how damaging it can be to my credit. I was afraid if I didn't comply I would be be stuck with ruin credit and everything will be garnish. I was scared into making a settlement that I could not financially keep up with. I felt like I had no choice and their was no consideration due to the fact that I was unemployed and a single mother barely making it. The scared tactic that was brought to me gave me no choice but to take what settlement they offered me even if it would ruin my financial ability to take care of me and my child. I told him I would go with the {$88.00} a month which would be XXXX and he instructed that I would have to sign paperwork and mail it back. When I receive the paper work there was a Confessions of Judgement that I was supposed to sign for the term amount of {$3000.00} plus {$80.00} in court cost. If I fail to comply the judgement will be placed against me and I will have to pay {$3000.00} instead of agreed amount {$2100.00}. I did not agree too this request while speaking on the phone. The Plaintiff was taking advantage of the fact that I do not have much knowledge of legal procedures and terms. I did not sign paperwork and did not agree to the terms. I then receive a letter dated XX/XX/XXXX saying that I received paper work and I failed to return settlement paperwork. The Plaintiff ask the court to place the car back on the docket for come time in late XXXX. These request for a trial date and consistent court threats is causing emotional distress. I am currently unemployed and looking for work. At this point I need some time of help and legal counseling. I did not understand any of the paper work that was sent to me. As I read the documents it basically putting me in a financial bind. I cant keep going back in forth with this debt collector. I have researched this company and it has been over 75 claims filed against this company in XX/XX/XXXX. This company was sued by CFPB under the name XXXX XXXX XXXX XXXX XXXX. This company was sued for XXXX XXXX and was force to close. Now they operate under Cooling & Winter and they have been sued by FDCPA 11 times. They are forcing me to pay a debt to them that I don't owe them. XXXX XXXX XXXX is barely mention in my paperwork and they are asking for payment to go to their company. This is a debt collector will try and get your money after the account have been settled.
07/02/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30058	Web
I have sent previous concerns regarding my dealings with Cooling and Winters and XXXX XXXX XXXX, since C & W has basically stated that they are representing XXXX XXXXXXXX XXXX, I am making mention of both companies. I am aware that C & W was previously ; successfully sued for their handling of law suits. This information may not assist me in my current case # XXXX, but I hope that it can be of use if others are experiencing the same type of issues. I have called on several occasions prior to my original court date and asked for the attorney indicated on my original letter, but each time I call, I dont get through to him. Instead, I am immediately sent to a department which an attorney I contacted stated was most likely just agents hired to make payment plans. I was attempting to contact the attorney, prior to our court date, to get my concerns answered and memorialized in writing. Also, its ironic how C & W would send a letter basically stating that they have been given permission from XXXX to negotiate the terms of the debt which is what I requested from XXXX long before it got to this point. XXXX s representatives stated that they couldnt do a financial assessment because I was unemployed. Im still unemployed, yet they give C & W the authority to do what they werent willing to do. Nevertheless, A few, but not all, of the times I called were : XX/XX/18 @ XXXX XXXX XXXX transeded me to someone whose answering machine I couldnt understand. I left a message for a return call. XX/XX/18 @ XXXX XXXX XXXX transferred me to someone I think said his name was XXXX on the answering machine. I left a message for a return call. XX/XX/18 @ XXXX XXXX XXXX transferred me to XXXX XXXX. I left a message for a return call. XX/XX/18 @ XXXX XXXX transferred me to XXXX XXXX. I left another message for a return call. XX/XX/18 @ XXXX asked for extension XXXX for XXXX XXXX. I didnt leave a message because none of the others had been returned. I called back @ XXXX and XXXX XXXX stated they were out to lunch and will have someone call me when they return. I called back and spoke with anther rep who told me that the representatives for XXXX XXXX XXXX were short staffed that day. Based on the issues I was having, Im thinking they are short staffed every day. I actually showed up for court because I couldnt get in touch with anyone beforehand. After arriving for the court date I saw someone sitting outside while waiting to go into the courtroom. After speaking with him I found out that he was representing C & W. He never did give me a card or his name before or after the conversation, so I dont know who it was. After our discussion, a continuance was requested for this case, and I was told to contact one of their representatives. After arriving home and looking over the paper he handed me. The paper he handed me thanked me for agreeing to resolve this matter in court today, and to please include my file number with my payment. On the paper he had written two options to choose from as a form of settlementnothing was signed or agreed upon. The case is still pending. As I stated in my answer, I need proof that C & W owns the debt. Although I requested this information in my answer, I have yet to receive proof, only copies of statements mailed to me the problem is, I also have a letter from another debt agency asking for payment of this same debt and all they sent me as proof was the same statements I still have no memorialized proof of who owns it. I was speaking with an attorney about this and he stated that Ga law specifies that there should be a Bill of assignment. Each assignment should show who had and released ownership to where it is now. I respectfully request competent evidence from C & W of who owns the debt, as required by Fair Debt Collection Practices. Hopefully these issues will be addressed when we go back to court.
05/14/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Cooling & Winter, LLC XXXX XXXX XXXX XXXX, Ga Date : XX/XX/XXXX Re : Acct # XXXX To Whom It May Concern : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of XXXX Vs. XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/XXXX, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/XXXX notice of claim. Brief of XXXX at 13. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX after XXXX had notified XXXX in writing that he was disputing the debt but before XXXX had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. I intend to follow through with the suit if I do not hear back from you within 15 days. I look forward to hearing from you, XXXX XXXX
06/17/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	FL 322XX	Web
Cooling & Winter and XXXX XXXX Cooling/Winter & XXXX XXXX has been harassing me for years. When I lost my job in XXXX, I made payment arrangement with everyone except XXXX XXXX and XXXX. Because XXXX XXXX and XXXX refused to make any payment arrangements. XXXX XXXX and their lender XXXX refused to make payment arrangements or even discussed making payment arrangements. After two months they sent me to a collection agency. I tried to contact their leadership ( XXXX XXXX and XXXX ) and they either refused to help or advised they could not help. I owed them {$1700.00}. I told them I am not trying to skip my obligations, but I need more time and can not make the minimum payment. All my other debt has been paid off except my mortgage and a home equity loan. However, both are current and in good standing. I owed XXXX Mastercard {$9000.00} & XXXX Visa {$11000.00}. Both are paid off. It took years, but I did it! Why would I ignore {$1700.00}? The harassing calls started quick and the original amount almost doubled to where it is now over {$4000.00}. At first, I answered the calls and say I will pay them back the {$1700.00}. Initially, I offered {$50.00} per month and later {$100.00} but they wanted {$3500.00} now in cash which I did not have. The calls were virtually seven days a week. We went to remediation in XXXX timeframe and the XXXX representative refused to adjust their amount to the original debt. In Spring XXXX there was court date, but the bailiff would not allow me to enter because he said I was late. Everything was done without my presence. I did an amendment and met with Cooling/Winter & XXXX XXXX representative and Judge XXXX in XXXX/XXXX XXXX. I explained the situation and offer the same {$1700.00} original debt and pay them {$100.00} per month until paid I offered to other Cooling/Winter & XXXX XXXX representatives. The Cooling/Winter & XXXX XXXX representative and Judge XXXX said it sound reasonable to them but she nor him could not make a final decision until she presented the offer to Cooling/Winter & XXXX XXXX. I offered to make a good faith payment then and there and start making payments in XX/XX/XXXX. I was advised by both to hold on until the representative presented the offer to Cooling/Winter & XXXX XXXX and Cooling/Winter & XXXX XXXX will mail me the payment information. Which they, Cooling/Winter & XXXX XXXX, never did. If they would have the {$1700.00} would have been paid by now. I received no mailings from them until this week. When they sent me notice about garnishing my wages after the fact. At this point I can not afford garnishment nor {$100.00} per month. I will like to offer {$50.00} per month until the debt of {$1700.00} is paid off in 34 months. I am a woman of my word. I would prefer to pay XXXX XXXX or even XXXX this money, however, for them to send me to collection agency after two months speak ill of both organizations. They have contacted my former employer XXXX XXXX and have made repeated phone calls to my home number. However, they have been no mail communications which I was expecting since Spring of XXXX and that was to advised they would do a phone with the XXXX/XXXX XXXX meeting with Judge XXXX! Since then, I have received communications from Cooling & Winter & XXXX XXXX I received a letter-Monday, XX/XX/XXXX stating that they would garnish my paycheck by 25 %, however, they were already doing it. They contacted my employer, XX/XX/XXXX to initiate garnishment. No prior notifications. On Friday, XX/XX/XXXX, I received a letter they are asking for {$4200.00}. I spoke to their representative XXXX XXXX on Friday too, around XXXX XXXX Eastern. In addition, I have another court date, XX/XX/XXXX in Judge XXXX XXXX office. Cooling & Winter are requesting pay-stubs, bank statements and tax records from XXXX too. Thank you, Ms. XXXX XXXX
04/26/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	GA XXXXX	Web
Request for VALIDATION, NOT Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/2018 Cooling & Winter, LLC XXXX XXXX XXXX XXXX, Ga XXXX : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
11/10/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued where didn't live/sign for debt	GA 30281	Web
XXXX XXXX, XXXX, a subsidiary of XXXX XXXX XXXX , XXXX, who CFPB has taken action against for using deceptive tactics to collect bad debts is doing so in Georgia and getting away with it. The firm that filed suit on their behalf is Cooling & Winter, LLC, XXXX GA XXXX. The attorney who filed the suit is XXXX XXXX XXXX who claimed XXXX XXXX XXXX XXXX had issued me a credit card in XX/XX/XXXX and at issue I used the card and left owing a debt ; XXXX XXXX XXXX XXXX has never reported negative or otherwise on any of my credit reports. She submitted forged/doctored evidence and XXXX affidavits that had XXXX different purchase dates for alleged account and claimed the alleged account was an account opened in XX/XX/XXXX & charged off XX/XX/XXXX ; one of their purchase dates shows they would have purchased a non-charged off acct., they submitted the court a XX/XX/XXXX XXXX Credit Card Agreement . In my filed answer, I showed their information inconsistent and inaccurate and how they accessed my credit report to try to piece together mailing address and other personal information to try and make the debt mine, they submitted unnecessarily redacted information represented by a black line, they have bills that I believe are doctored and stated in XXXX affidavits the info to be true and correct electronic file documents. She did not object to my answer she just employed deception three days before court by using an associate, XXXX XXXX XXXX, to use his influence as a Georgia XXXX ), and his frequency w/ XXXX XXXX XXXX The way they work is their office has an attorney to file the suit and if defendant challenges them they employ XXXX influence and defendant finds themselves in a no-win situation.The judge & atty worked coherently & judge requires defendant prove the matter instead of debt buyer and will not allow you to present your evidence by interrupting you and changing the subject and keeps going in circles .The night before court I accessed the court 's website and learned that XXXX had re-submitted XXXX of XXXX docs that had been filed 1.5 months earlier with the lawsuit.The only NEW document was an affidavit stating the exact lies stated in the other XXXX.The only difference was the submitter who had placed an eye-catching large blue signature on the XXXX consecutive documents which drew my attention and caused me to investigate him further that 's when I learned he was a GA XXXX, then, I knew what he was up to. I investigated XXXX XXXX XXXX - the XXXX to hear complaint & learned they shared the same XXXX. Before court the next day, I informed judge of my concerns of conflict of interest ; he did not recuse himself. I had an unfair hearing with an influenced an biased judge ; however, he did ask attorney about the XX/XX/XXXX credit card agreement she had submitted as evidence, but then allowed her to skirt the issue. I showed him a XX/XX/XXXX XXXX XXXX XXXX credit card agreement that I had entered into by electronically signing an agreement at a XXXX County GA XXXX XXXX. He inquired of the address on the alleged bill and asked about possible id theft, I told him I had experienced id theft but informed him that, to date, the alleged account is not on credit report and was there-fore not reported on XXXX police rept. He reset hearing for 3 wks later. I HAD NO HEARING for he called us to the bench, ignored police report & the date of credit card agreement, the other county for XXXX acct and ended up ruling in their favor and told me to appeal in their XXXX where my outcome will more than likely be the same due to XXXX influence
05/10/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 31904	Web	Servicemember
I am being sued in XXXX separate l awsuits from the same law firm, ( CW ) Cooling & Winter, Attorneys at Law. This law firm lists it 's address as XXXX XXXX XXXX , XXXX XXXX , XXXX , GA XXXX . XXXX of the XXXX were signed by the same attorney, XXXX XXXX XXXX , bar # XXXX . The fourth was signed by a XXXX XXXX , bar # XXXX . All XXXX of these accounts are lawsuits on the behalf of XXXX XXXX . When I received the first lawsuit from the firm for XXXX Ban k ( XXXX XXXX ) on XXXX / XXXX / XXXX . It was signed by XXXX XXXX XXXX and I was shocked. This account had been disputed directly with XXXX Bank, and directly with XXXX XXXX XXXX because I had requested Arbitration in this matter. I contacted XXXX XXXX XXXX repeatedly, with no return calls. I had responded to the initial letter fro m Cooling & Winter regarding XXXX Bank, that stated I had 30days to respond to dispute the validity, which I did. This letter also stated, verbatim, " This Law firm is licensed to practice law in GA, FL, NC, SC, and TN. Although we are a law firm, at this time no attorney has personally evaluated or reviewed the particular circumstances of your account. This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. '' I never expected to be sued w/o some sort of notification. When I called to speak with a " specialist '' on XXXX , XXXX after being sued, and no return calls from XXXX XXXX XXXX , I was told point blank to make a payment to settle, that was the ONLY option, despite my arbitration request. When I explained that after some research, this firm was sued for falsely and deceptively filing lawsuits to intimidate consumers, I was told, " well, take your chances in court then ''. I went ahead and filed an answer with some assistance with legal aid that arbitration was requested to the original creditor BEFORE it was " sold ''. I explained this in my answer. The firm file a stay in this case, but has refused to drop the lawsuit. This entire process took months. Then without notice, a second lawsuit was filed on XXXX / XXXX / XXXX for XXXX XXXX ( XXXX XXXX ) by XXXX XXXX XXXX ; a third lawsuit was filed on XXXX / XXXX / XXXX for XXXX ( XXXX XXXX ) by XXXX XXXX , and finally, XXXX / XXXX / XXXX for XXXX XXXX ( XXXX XXXX ) by XXXX XXXX XXXX . This firm has so blatantly " churned '' out lawsuits against me that the XXXX XXXX in XXXX XXXX has taken notice, and is waiting to schedule all of the lawsuits o n one day. Neither one of these lawyers have returned one s ingle phone call to me. On the XXXX XXXX account alone, the lawsuit was filed 41 days after t he 1st deb t collection letter I received from the firm. And even though I disputed the amount timely, as I stated, the lawsuit was filed anyway, 41 days later. Same with the others. I feel that these multiple lawsuits were filed to intimidate me and overwhelm me, without due process or heeding to the FDCPA. Something is not right, as neither of the attorneys listed has EVER shown up in court. Even though XXXX XXXX XXXX has " signed '' XXXX of the XXXX lawsuits. Nor have they retu rned ONE phon e call.
03/14/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA XXXXX	Web
XX/XX/XXXX I replied to a notice received from XXXX Cooling & Winter XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX toll-free XXXX in regards to a debt they apparently BOUGHT. My letter was sent certified and signed by XXXX XXXX on XX/XX/XXXX. In my reply, I ask clearly stated for Validation ( Signature ) " Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. The purpose of this document is to notify you that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named XXXX XXXX XXXX. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have XXXX or ever had XXXX some contractual obligation to pay XXXX you XXXX Cooling & Winter. I also included a Debt Collector Declaration for Cooling and Winter to provide and I clearly stated that their claim can not and will not be considered if any portion of the form was not completed and returned with the information requested. Again clarifying a request for validation made pursuant to the Fair Debt Collection Practices Act. Another letter was dated XX/XX/XXXX, sent for to Cooling and Winter certified and signed by XXXX XXXX ( via Certified XXXX dated XX/XX/XXXX ) stating that they had FAILED to provide validation ( signature ) as requested in my earlier letter and FAILED to return the documentation ( Debt Collector Declaration for Cooling and Winter ) for review. Cooling and Winter provided bill printout but failed to provide VALIDATION ( signature ) I have notified Cooling & Winter " As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I had also asked " In absence of providing any alleged contract or other instrument bearing my signature, I request that you CEASE and DESIST in your efforts to collect '' Recently I received a letter postage dated XX/XX/XXXX still failing to provide VALIDATION ( validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation ) not any printouts. At this point and time I would like for Cooling and Winter to understand By not replying in a timely manner to my initial letter on XX/XX/XXXX ( Signed by XXXX XXXX on XX/XX/XXXX XXXX you have not only violated federal and state laws, but, and yet and again, you have repeatedly failed to provide me with a copy of any viable evidence, bearing my SIGNATURE. I ask that Cooling and Winter CEASE and DESIST ALL COLLECTIONS ACTION IMMEDIATELY. I am exercising my rights Under the provisions of Public laws 95 109 and 99 361, known collectively as the Fair Debt Collections Practices Act ( FDCPA ) I formally notify you to cease all communications with me in regards to this alleged debt or any other debts that you allege I owe.This is an attempt to make a collection agency obey the law.
05/05/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30281	Web
In response to Complaint # : XXXX My name is XXXX XXXX XXXX an agent for principal XXXX XXXX XXXX a federally protected consumer, holder in due course, and attorney in fact and I am making this complaint against Cooling & Winter LLC for violating a cease-and-desist notice they received on XX/XX/2022. These abusive, deceptive, and unfair debt collection practices have brought severe XXXX and XXXX. Cooling & Winter, LLC stated, Our office, Cooling & Winter LLC, has been retained by XXXX XXXX, N.A. to recover the unpaid balance of your credit account ending in XXXX. I would like to know whats the status of this account and if a 1099-C was filed for this account. Cooling & Winter, LLC also stated, Please note that we do not own your debt and we are not your creditor. Rather, we are a law firm representing the interests of our client, XXXX XXXX, XXXX, in this matter. I am aware that Cooling & Winter, LLC is an unauthorized third party to this matter. I never contracted with Cooling & Winter, LLC and they have no lawful authority to be in possession of my identifying information. I also want to make clear that Cooling & Winters, LLC have no actual knowledge of the matter at hand. They are strictly acting off hearsay. We are working with our client to gather documentation responsive to your request and will forward to you in the mail upon receipt. This is proof that Cooling & Winter LLC is moving strictly off hearsay. Cooling & Winters, LLC was not in possession of any substantiating evidence to lay claim to this alleged debt prior to contacting me about it. Im sure the documentation being gathered by Cooling & Winters, LLC will include, at the bare minimum, the original instrument of indebtedness in its original form and the accounting for credit account ending in XXXX in order to lay any lawful claim to this alleged debt. Cooling & Winter, LLC stated, We have reviewed our file and have not found any evidence of fraud, deception, or legal violations, therefore we dispute your allegations against us. This misunderstanding can be easily clarified by providing the documentary evidence requested above. If your client can not or is unwilling to produce substantiating documentary evidence showing to who the alleged debt is owed and from whom the alleged debt is owed, they have no lawful claim of this alleged debt. Statements/proof of address are not proof. If your client, XXXX XXXX, XXXX. chooses not to produce this documentary evidence, I will thereafter consider the matter between us to have been legally and financially settled. If the requested information is not provided and Cooling & Winter, LLC continues its collection efforts, Cooling & Winter, LLC shall be held criminally liable for collection of extensions of credit by extortionate means. I would also like to note if there is any attempt to furnish any negative or adverse information to any credit reporting agencies, Cooling & Winter LLC shall be held criminally liable for aggravated identity theft. I would also like the name and address of your bonding agent in the case I need to file a suit in Federal Court in case any further unlawful extortionate means are taken by Cooling & Winter LLC.
04/14/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	GA 30215	Web	Older American, Servicemember
My husband and I were faced with financial hardships in XXXX where we were unable to pay among other debt several debts that were referred to XXXX. In XXXX, a family member loaned us some money to try to settle our credit card debts. Some were successfully settled, however, the accounts referred to XXXX. were actively pursued by their debt collectors. When we submitted letters to dispute the debt, we never received any written information, acknowledgment or response. They intimidated us to pay the debt even when we had nothing left except money for food. On some accounts they brought lawsuits, which they knew we could not afford to hire an attorney, nor pay in full. We filed timely answers and also disputed the debts, however, on all occasions the court sided with XXXX. On numerous occasions we tried to communicate with them, and learned that in the process XXXX were not dealing fairly. Through stress, duress and coercion so that we were not dragged back to court due to no income, no gas money, and also times when we were told by XXXX that the account was settled and court was not necessary to attend because XXXX was going to vacate judgment. And we were afraid that we may be garnished with NOTHING TO PAY OUR BILLS! After that incident and XXXX 's repeated threats we agreed to pay {$5.00} to {$45.00} on various accounts. While paying these amounts either by automatic deduction or submitting a payment by check we ran into conflicts between one debt collector and another. My husband was unemployed from XXXX. We tried very hard to make the payments and continued to do so. He got a job and was employed from XXXX. He is still unemployed [ unemployment was only for 3 months ], and all we have is our social security to live on which does not meet our basic necessities. Our main issue to file this complaint now is that we received a letter from a firm named Cooling and Winter XX/XX/XXXX. They claim to collect a debt for XXXX that was " transferred to them by the referenced creditor for servicing going forward ''. OUR COMPLAINT IS : BY WHAT AUTHORITY DOES COOLING AND WINTER HAVE OF OUR PERSONAL INFORMATION? WE DID NOT RECEIVE ANY NOTICE FROM XXXX THAT THIS DEBT WAS TRANSFERRED NOR ASSIGNED TO COOLING AND WINTER. Also the balance claimed we owed on their letter is erroneous. In addition, the address on the letterhead for Cooling and Winters shows the telephone number being the same as XXXX and the address that was used for XXXX and Associates XXXX and Cooling and Winters is XXXX on the same road in XXXX XXXX XXXX. Although there was a return address in XXXX for Cooling & Winter LLC XXXX XXXX XXXX. According to these actions, XXXX and their associates and representatives continue to use deceptive practices in collecting a debt. We will not send payment until we get an all clear from the CFPB on this investigation. Furthermore, on another XXXX account, Cooling and Winter, with no authority given by us, have deducted a payment from our checking account. XXXX CONTINUE TO PREY UPON US THROUGH OTHER DEBT COLLECTORS IN ORDER TO COLLECT MONIES THAT MAY OR MAY NOT BE LEGALLY DUE TO THEM. Please help us!
03/09/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA XXXXX	Web
Follow up to complaint filed back on XX/XX/XXXX - Complaint # XXXX. In XXXX I learned that Cooling and Winter Attorney, XXXX XXXX filed a lien on my house in regards to Credit Card debt owed to XXXX XXXX XXXX. In the conversation back and forth with Cooling and Winter prior to this action informed Mr. XXXX the some/most of this debt was from identity compromise or theft. Plus there was no communication about this. Submitted a complaint to XXXX XXXX XXXX in which XXXX did confirmed some info on the number of accounts but then nothing more. No contact info either. On XX/XX/XXXX received 2 letters from Cooling and Winter on certified delivery via US Mail and one regular mail. Both letters are the same. Again no communication from Cooling and Winter that this was going to be done and a different lawyer with the firm, a XXXX XXXX XXXX. Mr. XXXX has now filed a public notice with XXXX County for Garnishment of all income, wages, property, etc. This was done on XX/XX/XXXX and the only way I found out about this is that I received 5/6 advertisement letters from bankruptcy law firms 2/3 days later. Some included the case number. It took some time to search the XXXX County case list to find the one these letters were referencing. The amount is the same as what was in the lien put against my house in XXXX. Includes court fees. XXXX XXXX XXXX has already done a charge off of the amount owed, and it does show on my Credit Report. Think this was done in XXXX and there is a statue of limitation?? Never received a communication from XXXX about possibly settling on a lower amount after removing various fees, etc. So now I have a lien on my house and also possibly a Garnishment. Seems like I am being judged twice for the same issue. Not to mention the lack of communication which has been the problem all long with Cooling and Winter. I am XXXX XXXX and XXXX XXXX XXXX so do not have a huge income. But I did wonder at the start why the did not mention Garnishment first instead of going after my largest asset - which is my home. Again this identity theft has caused several problems for me and effected all everything. In trying to take care of this I was able to pay of XXXX XXXX but still had to all my other accounts to another bank. Was able to settle with XXXX, they had previous reports about strange charges, etc. But I also incurred a charge off as well. XXXX I reported to CFPB due to internal errors where they kept misapplying my payments and for some reason could not fix it. XXXX XXXX XXXX is the one left and the hardest due to the fact lack of communications both with XXXX and Cooling and Winter. The letters from the bankruptcy law firms I received in the mail : I am not sure I can trust. I know filing Bankruptcy is one option, but not sure if that is the only option. So I need to find a honest lawyer who can tell me my options and what I can do. But already got burned by one lawyer who said he could help. Started with him and after about a year of hearing nothing from Cooling and Winter he requested removal from the case. My regular lawyer has retired ( he is like XXXX years old ).
03/13/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NY XXXXX	Web	Older American
I am writing this complaint for myself and on behalf of the residents of my former address. I will omit their names for privacy reasons. They are retaining an attorney. I have communicated with Cooling and Winter, a law firm representing both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, regarding being unable to pay alleged debts that I have not been given a chance to dispute. I informed XXXX XXXX XXXX of Cooling & Winter on XX/XX/, @ XXXX XXXX in a XXXX minute conversation that I no longer reside at the residence on file with both XXXX XXXX XXXX and Cooling & Winter. I also explained that the owners were willing to hold my mail for a short period of time until I could obtain an address to forward my mail. Due to my financial situation, I am homeless. I informed XXXX XXXX that I did not want the residents at my former address to be harassed by Cooling & Winter. XXXX XXXX stated that she would remove the previous address from their files. On XX/XX/, I spoke with XXXX XXXX for XXXX minutes about my homelessness and financial inability to pay anyone. I requested to be considered for a hardship write-off. XXXX XXXX stated that she would submit the information for review, which would take a couple of days. I called back on XXXX XXXX XXXX and was told that it was declined, but she would re-submit my hardship request again to be reviewed. Again, my request was denied. As stated earlier, XXXX XXXX XXXX stated that she was removing the address on file since I no longer live there. However, this weekend, the residents were extremely upset that they received letters from 4 Law firms at their address within the past few days. I had someone obtain the letters for me. The letters were advertisements from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX all informing me that XXXX XXXX XXXXXXXX had sued me on XXXX and XXXX Cooling & Winter are the attorneys who filed the lawsuits listing my former address. This is malicious harassment to purposely embarrass and humiliate the residents of that home and me. They are good innocent people that have nothing to do with my circumstances. Cooling & Winter were told over two months ago that I no longer reside there and am now homeless. They were informed that I do not have the financial means to pay any debts. Unfortunately, circumstances happened that were beyond my control. I am a XXXX XXXX XXXX with chronic illnesses, including XXXX and XXXX XXXX XXXX. Due to my illnesses, destroyed credit, and lawsuits, I will never be able to obtain employment. I have always taken my financial responsibilities very seriously, but unfortunately, my circumstances are so bad that I can not realistically maintain payments of any kind. My situation is unlikely to improve in the future. My continued high debt level and continued creditor harassment have seriously affected my physical health and further deteriorated my mental health. Cooling & Winter, LLC XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX, XXXX
10/06/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	GA 30132	Web
I settled credit card debt owned by XXXX XXXX with XXXX XXXX XXXX. Judgement states make XXXX payments to XXXX XXXX XXXX monthly. Starting XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all my payments made through bill pay were returned to my bank account ( see attached ). XXXX wouldnt acknowledge my acct, told me to call my lawyer. My lawyer had no idea of who I was to make payments to. XXXX XXXX XXXX .... no answer. XXXX XXXX XXXX had no idea why payments were being returned. I received notice that I was part of the class action lawsuit and would receive either monetary settlement or remaining debt cleared. I never heard anything else from anyone until XX/XX/XXXX. Almost a year later my wages are being garnished by Cooling and Winter for ... .. NONPAYMENT. Cooling and Winter are not listed anywhere on my court judgement document saying Im responsible to send payments to them. XXXX XXXX XXXX or XXXX never notified me of who I was to send payments to. No certified mail, never served. NOTHING. When I called them they initially said that I was being garnished because I failed to make payments ( they ones that were sent back to me ) ... so they waited a year and garnished. When I asked why no one contacted me they said that they " Tried '' to contact my lawyer but my lawyer never returned their call. They admitted this was the only attempt they made. And this is on an account that was named in a class action lawsuit for illegal collection. Oh .... and although I settled the debt from XXXX to XXXX and have already paid off a large majority of that .... Im being garnished .... {$1000.00} per paycheck ... .. XXXX a month .... for the FULL XXXX. How can this happen? And Im not the only one this is happening to. I will lose my house .... everything. I was making payments and doing what I was supposed to do .... they are taking advantage of people like me. I tried diligently to find out who payments needed to be made to and to try to find out why they were returned in the first place to no avail. And now they can just walk in .... send a notice to my employer on a Friday ... garnish XXXX the next Friday ( NO TIME to fight this at all ). My lawyer has made numerous calls and they wont return her calls. I called them and this person XXXX XXXX ( At Cooling and Winter ) told me to send him my proof that I made payments and he would call me. I sent my documentation immediately and he never called me back. Ive left messages and they wont call me. How easy for someone to just stop taking payments .... return payments and just say you didnt pay .... and collect the whole XXXX instead of the XXXX i owe. This seems illegal to me. These people need to be stopped. Immediately. Im a single mother .... paying for a home, food, clothes etc with NO SUPPORT outside my income. paying for my car and my XXXX kids ... who are XXXX. It takes every dime I have to do this alone .... XXXX a month will cause me to lose my home .... I may make a good salary, but I also have other debt. And Im sure they would like their money too.
12/06/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 31210	Web	Servicemember
I received notice of a $ XXXXmonth wage garnishment from my employer today. The plaintiff is both XXXX XXXX XXXX XXXX and a law office by the name of Cooling and Winter, LLC. I called Cooling and Winter to try to find out what this debt was but he, XXXX XXXX, stated he did n't know. I asked if there was contact info for XXXX XXXX and he gave me 3 different phone numbers. One phone number was for XXXX XXXX, XXXX XXXX XXXX, but the voice mail was garbled. There was no business name mentioned or that I could understand. They are saying I owe {$6400.00}, but ca n't tell me why. They are saying that this debt was originally through XXXX XXXX ( XXXX ) XXXX from back inXX/XX/XXXX. I was told by XXXX State court that I had received a summons by a sheriff on XX/XX/XXXX, but that is not true. I asked for the sheriff 's name, but she said that it, along with his badge number was not readable and that she would mail me a copy of it. I did not sign nor did I see a summons in XXXX or any other time. If I had gotten this notice back then, I would have been able to deal with it then. As of now I do n't know what this debt is and I ca n't reach anyone who can tell me. XXXX XXXX and XXXX XXXX have both been sued by CFPB and the Federal Trade Commission and I 'm sure Cooling and Winter knows this. Especially WHY they were sued. I do not understand how my wages can be garnished this fast - the document was signed on XX/XX/XXXX. I do not understand why I was not contacted about this so-called debt that is 16 years old and not even on my credit report. XXXX XXXX nor XXXX XXXX is on my credit report. Cooling and Winter is on my credit report with no phone number listed, but the listing does not show why they are showing on my credit report. There is no debt amount. I have spoken with the GA State Attorney 's General 's office and I will be taking the necessary steps to get this fixed. I want to know what this debt is about. If I do owe, I need to make better payment arrangements because I can not afford to pay $ XXXX/month for 2 years. I do not make that kind of money. This will cause a hardship for me. I do not know what this debt is about and Cooling and Winter will not give me much info and I ca n't reach XXXX XXXX. If you call this number : XXXX, you will see what I mean about a voicemail that makes no sense at all. I would like to know why Cooling and Winter can only communicate with XXXX XXXX through email and why XXXX could not give me their email address. Why is WHY I owe this money such a secret? How did my wages get garnished so fast? Why was there no attempt to garnish wages after the sheriff supposedly filed the summons back with the court on XX/XX/XXXX? Debt was started, according to XXXX XXXX XXXX : XXXX XXXX. Sheriff says he summoned me in XX/XX/XXXX. Got my check garnished for $ XXXXmonth XX/XX/XXXX. All this without any notice from anyone. How do I stop this garnishment?
06/30/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 31021	Web
Cooling and Winter continues to engage in illegal debt collection practices DESPITE the laws and despite the CFPB orders. Cooling and Winter has violated SEVERAL of my rights under the FDCP AND FEDERAL CONSUMER FINANCIAL LAWS. 1. They NEVER sent me a notice to validate or dispute the debt only a summons. They filed an illegal lawsuit against me. They never had/nor provided documents to show that the debt was accurate OR enforceable. They also filed a sworn statement from its client with the court even though the signer could not possibly know the details they attested to! PERJURY! And ILLEGAL! 2. Before we went to trial I let them know that the debt was disputed AND that I requested validation of the debt. 30 days has passed and they never sent the requested contract, how the debt went from $ XXXX- {$1900.00}, and who the original creditor was. I ALSO requested these documents through the court, mail, and email and they NEVER responded. ILLEGAL and AGAINST the LAW x 2. AND they continued on with the lawsuit DESPITE me challenging the validity of the debt. 3. They represented themselves as XXXX XXXX XXXX and AS LAWYERS in an effort to deceive me. ILLEGAL! 4. Two years ago I challenged this EXACT same debt with XXXX XXXX who COULD NOT VALIDATE THE DEBT HOWEVER its CLEAR Cooling and Winter simply purchased the debt from them. 5. Cooling and Winter used the court system for the purpose of intimidation and that was a HARM to me and potentially consumers everywhere. 6. While in court I asked their representative did she bring the documents I requested more than 30 days ago she stated by law they dont have to respond to my request/show me anything which is FALSE and ILLEGAL! 7. She stated they NEVER received my request by mail or email which is FALSE because if you didnt receive my debt validation request/request for production then WHY were statements, starting at {$1400.00}, sent to me AFTER they were already attached to the summons?? The letter they sent CLEARLY stated it was in response to me recent inquiry this letter arrived on XX/XX/19! Ultimately Cooling and Winter deceptive and illegal lawsuit prevailed despite their noncompliance with the LAW and the CFPB order. A request for production was mailed out on XX/XX/19 and as of XX/XX/19 I have YET to receive ANYTHING validating the debt. In court their representative didnt have ANYTHING validating the debt only the false affidavit and as we both know AN AFFIDAVIT DOES NOT TAKE THE PLACE OF A CONTRACT! If this case isnt voluntarily dismissed I will have to take legal action to protect my credit rating and myself. As I'm sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court, AGAIN! So far Im at {$6000.00} NOT including my lawyer fees, court cost, and compensation for emotional distress! I look forward to an expedient resolution of this matter.
07/19/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30058	Web
Re Case # XXXX After speaking with a representative from the CFPB about the response I received from Cooling and Winter not addressing my main issue at this time, it was suggested that I send a new complaint, supply feedback and/contact an attorney. Since I had contacted an attorney and regarding this issue, and had been told that with the information provided I can't verify who owns the debt. C & W states that they are handling the account for XXXX, but I have yet to receive proof, only copies of statements mailed to me of who owns the debt from XXXX. I did receive a letter from C & W stating that they are basically working on behalf of XXXX, but did XXXX sell it or have another company handle it, then take it from them and gave it to C & W to be handled? I'm just simply wanting to verify because I have a letter from another debt agency asking for payment of this same debt and all they sent me as proof was the same statements. I was informed that Ga law specifies that there should be a Bill of assignment. Each assignment should show who had and released ownership to where it is now. I respectfully request competent evidence from C & W of who owns the debt, as required by Fair Debt Collection Practices, so that I can have proof should I need it in the future. Yes did speak with an attorney when I showed up for court, and we did discuss a hardship payment arrangement ( one that XXXX XXXX XXXXXXXX, which you state you are representing, would not agree upon while yet giving C & W the authority to do so under the same financial circumstances, yet they tout being loyal to their customers. They apparently would rather assign a company to process a lawsuit and give them permission to work out an arrangement, rather than work out a payment arrangement under the same financial circumstances. ) I need to know that when this is resolved, I have proof of the account being assigned to each company ending with C & W. If it is indeed the law, I just need those assignments for my records. If it is not the law please state this so I can confirm. Anyone in my same position, I would assume, if two companies are asking for the same thing and both are providing the same proof of ownership. One, C & W is suing while the other has not yet taken that step, who's to say that if an agreement is reached that the other company will not come in and do the same. I too want this resolved as expediently as possible. I appreciate that C & W stated that they want to cause no inconvenience, I just want to make sure that what was stated by the attorney I spoke with is resolved in a timely manner prior to the court date which is quickly approaching.
04/04/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	GA 30080	Web
On XX/XX/XXXX I recieved a letter from my employer stating my wages were being garnished. I never received any documentation from this creditor. Cooling and Winter are collecting for XXXX XXXX. I have two XXXX XXXX accounts with large credit limits and they have all my correct information. The amount of the debt is approximately {$1600.00} and surely if I was made aware of it, I would have paid it. All the information regarding the garnishment I was able to get from my employer HR site. My wife and I have reached out to Cooling and Winter LLC and let messages for XXXX XXXX. When we would return his calls because we both work he was not available. My wife and I spoke with XXXX XXXX on XX/XX/XXXX with Cooling and Winter LLC. She stated that we were service by a Sherrif regarding the debt owed. We were not. Cooling and Winter claims that they did not have to notify us of an attempt to collect a debt yet they said they just sent out a copy of the garnishment to our currect address. We offered a settlement on my account. XXXX stated that she would have to send the offer in to see if it was approved. We were told that there would be an answer at the latest XX/XX/XXXX. We told her if the offer was accepted we would pay the agreed upon settlement. XXXX stated she would be off on XX/XX/XXXX and that the fastest method to stop the garnishment would be to come into the office and pay. I told XXXX that my wife would stop by the office at XXXX p.m. on XX/XX/XXXX. My wife arrived at Cooling and Winter 's office at XXXX p.m. She explained to th receptionist why she was there. She proceeded to ask if she had the full balance owed to pay off the balance. She had no information of the offer. She explained to her that I was not paying the full amount and that I had spoke to XXXX and submitted an offer. The receptionist then called XXXX XXXX, who was walking by. Mr. XXXX stated he was off the clock and I was asked to come back in 30 minutes, with no regard to the XXXX p.m. decided upon meeting time. My wifea left a client 's jobsite in XXXX, Georgia to make it to Cooling and Winter LLC, a sixty mile drive all to not have my issue resolved. Not to mention the time and money she lost because she left work early to take care of this issue. So not only are my wages being garnished and my hours are cut due to Coronavirus but now she will be missing hours because Cooling and Winter LLC wasted our time. I have complained to Cooling and Winter LLC. We demanded to speak to someone about XXXX and XXXX, however we have not heard anything and we have not recieved the paperwork that Cooling and Winter LLC stated they were sending to us.
10/05/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30004	Web
In XX/XX/XXXX my identity was compromised and as a result I called all the banks and companies that I had credit cards with. Everyone was helpful in closing, freezing, or changing accounts except for XXXX XXXX XXXX. When I called them in XX/XX/XXXX to inform them of the problem to ask them to cancel the cards - they would not do so and did not cancel them. Nor did the person escalate my call to the security department or refer to me to a website where I could file a formal written complaint. After this I logged into the XXXX XXXX XXXX website to see if I could find how to report the problem. I saw no alerts to set up and under my profile in the section of income was listed {$100000.00}. I have never made a 6 figure salary and do not know how this got changed? I changed the salary amount to what was correct for me. That lowered the credit limit on the cards. For 2 1/2 years I paid on a mount that would not go down - about {$600.00} per month totals to about {$14000.00} ( rough estimate ). This does not include what I had paid prior to XX/XX/XXXX. The amount on the statement never changed and in fact towards the end started to go up. I called XXXX XXXX XXXX several times trying to figure out what was going on and got very little help. One time the person even told me not to worry, " because you can't take it with you. '' I ran out of money trying to pay this amount off in XX/XX/XXXX ( my savings was gone ). After I stopped paying I received notices and a notice about a charge off. I tried calling the numbers they said to call and never could get through to anywhere to leave a message or talk to a person. Then in XX/XX/XXXX/XX/XX/XXXX received a notice that a civil suit had been filed against me by XXXX XXXX XXXX I picked up the suit and hired a lawyer. The law firm representing XXXX XXXX XXXX is a local firm here in Georgia. With my lawyer we filled out the papers and answered the questions and sent them to the firm representing XXXX XXXX XXXX. Per my lawyer, no reply from the law firm was ever received. So XXXX of this year ( XXXX ) my lawyer asked to be released from the case. I had said that I had prove of payments in of bank statements showing that payments had been sent. As of XX/XX/XXXX ; the local law firm representing XXXX XXXX XXXX has filed a request for this case to appear in court without a Jury in XX/XX/XXXX. My lawyer 's withdrawal request was approved on XX/XX/XXXX So as of now I have no legal counsel. Because I do not have legal counsel now, I thought perhaps filing this with the CFPB might help bring about new insights and closure to this case.
06/04/2017	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	FL 33054	Web
Between XXXX XXXX and now my daughter { name hidden } has tried contacting Cooling and Winter at XXXX to settled a judgement debt that I owe. She has been calling and calling to no avail. She spoke with a woman name XXXX who told her there were only XXXX agents that accepts call and they are in the garnished department. She and others has transferred NOT ONLY me ( but my daughter ) to XXXX XXXX out of the XXXX reps ) and we have left Voicemails after voicemails with specific instructions on when and how to call my daughter { name hidden }. On XXXX XXXX , 2017 , my daughter received a call from someone name XXXX XXXX who told her that before he can speak with her, he would need a letter of authorization from me. He advised her, once he received the letter, he will call her back. He gave her his email address to email the letter to XXXX XXXX XXXX . The letter was written and signed by ME to allow Cooling & Winter to speak with my daughter regarding this judgement. XXXX XXXX did NOT call neither myself or my daughter back. My daughter called the same day, the next day and the next day to no avail. She even left a message and we quote, " Why is it so hard to get in contact with someone to take care of this judgement? '' We have never called a collection agency just to be told there are only XXXX people that can help us with are debt and when we are trying to get a hold of someone to pay our debt in FULL it 's like pulling pins and needles. This makes no sense that we as the debtor is trying to pay and have something that is affecting my credit taken care of and have a very difficult time trying to get a hold of someone. I feel like this company is doing this to collect more money or something. This has taken too much time and energy for something that we are trying to pay and satisfy. This is a joke and a life within itself. It is XXXX XXXX , 2017 over a month and no one has called us. She left a message on Thursday and Friday and again NO ONE, I repeat NO ONE has called back! At this point, I do n't know what to do but file a complaint against the company to them, news cast and anyone else who would like to listen to point out how when a debtor is trying to pay and satisfy their debt in full, a collection or judgement company is refusing payment and/or not returning their calls. Very sad and the XXXX is affecting me from purchasing a home. I would like this judgement remove for their incompetent, unsatisfied, in responsive actions.
12/15/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IN 462XX	Web
I was notified from my father that a notification that a civil suit was filed against me and the letter was placed on his door. I no longer lived in XXXX and lived in XXXX, I called the XXXX XXXX small claims court on XXXX/XXXX/XXXX with the case number provided by my father to inquire about the suit and learned that it was filed by XXXX XXXX XXXX. for a debt. In informed them that I was no longer a resident there and lived in XXXX, XXXX. They informed me they would let the filer of the suit know. I then ran my credit report to get the contact information from the XXXX XXXX and called the debt agency around he date of XXXX/XXXX/XXXX to attempt to resolve the issue. There were 2 debts listed. They informed me that they could not speak with me about the debt and I would have to contact Attorney Office Cooling and Winter who was handling both debt accounts. I contacted Cooling and Winter and had to wait until the account owner contacted me back to attempt to resolve the issue. The account holder contacted me and was extremely hostile stating the implications of not paying this debt. He stated that if I allowed this to go to court I will likely have to pay the current owed balance along with interest and penalties. Being that I was trying to resolve this issue, the threats did not make communication easy. I had not received a statement from the original debt owner nor had I received any communications from them in over a year so I was unaware of the balance they determined I owed. I asked him if he could mail me copies of what was determined that I owed and that they would be forwarded to my new address. I never received those copies of the statements. I received a notification from my credit reporting agency that the 2 accounts were being disputed. I had not filed a dispute on these accounts so it was a surprise to me. My father contacted me to inform me that a Sheriff came by to serve a me with paper for again but I had already informed Cooling and Winter as well as the county court office that I no longer resided there. I attempted again to contain XXXX to negotiate a settlement and was told again that they could not talk to me about the debt. Communications with XXXX XXXX XXXX are not possible after the hostile interaction. I have no documents related to this debt so I can not validate what it is saying I owe. I looked into both suit fillings today and both were DISMISSED without prejudice because I have moved. Dates of dismissal XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.
06/24/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30127	Web
The 2016 court ruling on CFPB vs XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) determined that those attorneys violated the FDCPA and were ordered to stop specific violations. Cooling and Winter have established a new law firm in which they continue those illegal litigation practices. I was served a complaint by Cooling and Winter on behalf of XXXX XXXX XXXX for a credit card debt. No attorney was meaningfully involved in preparing or filing my case ( violating 807 ( 3 ) of the FDCPA ). I called the law firm 's contact number XXXX and XXXX and was always routed to a representative or ( if busy ) a voicemail. When a representative answered he would always route me to XXXX XXXX XXXXr, who he claimed was the " agent '' handling my case. XXXX XXXX 's extension always goes straight to his voicemail and he returns your call at a later time. If all representatives were busy when I called then I would be routed to a voicemail box. To no avail I 've repeatedly asked to speak with the attorney handling the lawsuit. The " agent '' handling the lawsuit ( XXXX XXXX ) is a debt collector with XXXX XXXX XXXX, XXXX ( according to his site ). The ratio of attorneys that ACTUALLY PRACTICE with this law firm compared to the number of suits filed would be consistent with a lawsuit mill. I emphasize 'actually practice ' because although they list 7 other GA attorneys at this firm, almost half of them have not filed one case at this firm. In addition, I received a copy of a notarized affidavit that will be used. The person on the affidavit states that they are a " Litigation Support Representative '' and " employed by XXXX XXXX XXXX, XXXX, an affiliate and service provider to XXXX XXXX XXXX ( USA ), N.A. '' In the statement, the representative never admits to having " personal knowledge '' of the account, only having " reviewed the records pertaining to the account. '' Per the court ordered judgement, Cooling and Winter were ordered to restrain from : 10. ( a ) " presenting to a court any affidavit in which an affiant represents, expressly or by implication, having personal knowledge of the validity, truth, or accuracy of the character, amount, or legal status of any Debt, when that is not the case ; '' I sincerely hope that the CFPB will look into the practice of this company and continue to help customers that are violated by their illegal practices. Thank you for your time.
01/03/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	GA 31907	Web	Servicemember
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Section 803 ( 6 ) which states that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. ", " Cooling and Winter, LLC '' hereinafter referred to as " the XXXX XXXX XXXX '' is a debt collector. On behalf of the XXXX XXXX XXXX, debt collector XXXX XXXX. XXXX filed a lawsuit ( Civil Action No. XXXX XXXX XXXX XXXX ) in XXXX County State Court indicating that he is an attorney which is false and misleading pursuant to FDCPA Section 807 ( 3 ) on XX/XX/2019, on behalf of XXXX XXXX XXXX ( XXXX ) XXXX. hereinafter referred to as " the Bank '' who is a debt collector pursuant to FDCPA Section 803 ( 6 ). On behalf of the Bank, I was served a summons by the XXXX County Sheriff 's Department who collects debts as a third party on behalf of XXXX County Superior and State Courts hereinafter referred to as " the Debt Collection Courts ''. On behalf of the Debt Collection Courts and the Bank, the service of summons by the XXXX County Sheriff 's Department was unauthorized third party communication to the consumer pursuant to FDCPA Section 805 ( b ). On behalf of the Debt Collection Courts, The XXXX County Sheriff 's Department violated FDCPA Section 807 ( 11 ) by not disclosing in their initial communication with the consumer " that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose ''. XXXX XXXX XXXX ( XXXX ) XXXX. ( the Bank ) has violated my rights as a consumer by violating several sections of the Fair Debt Collection Practices Act.
03/22/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 30281	Web
My problems originated in late XXXX - early XXXX. I was struggling financially and had defaulted on a credit card with XXXX XXXX XXXX. I was served papers on XX/XX/XXXX from Superior Court of XXXX County Georgia ( Civil Action File # XXXX ) informing me of the Civil Action filed against me by the now defunct XXXX XXXX XXXX XXXX XXXX, XXXX. of XXXX, Georgia XXXX. I settled this issue in person at the offices of XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, Georgia XXXX on XX/XX/XXXX for the sum of approximately {$5000.00}. While in the office, I was informed of another Civil Action they would soon be filing to collect approximately {$800.00}. I returned to their office on XX/XX/XXXX and settled this debt. On XX/XX/XXXX, I again received a notice of attempt to collect the above listed debts from the Office of XXXX XXXX XXXX at the same address listed above. I contacted their office by phone and explained these debts were paid in full. Sent them copies of the settlement letters I received from them on XX/XX/XXXX & XX/XX/XXXX. I never heard back from them. On XX/XX/XXXX, I again received a notice of attempt to collect from the office of XXXX XXXX. I called the office and advised them the debt was settled and reminded them of the email sent on or around XX/XX/XXXX. I never heard back from them. On XX/XX/XXXX, I received a notice of attempt to collect. However, this time, it was sent from the Office of Cooling & Winter XXXX XXXX XXXX, XXXX, Georgia XXXX. Mr. XXXX & Mr. XXXX are Mr. XXXX XXXX XXXX and Mr. XXXX XXXX. XXXX. They are both listed as Defendants along with Mr. XXXX XXXX XXXX in Civil Action Case # XXXX filed in the U.S. Court for the Northern District of Georgia , XXXX Division dated XXXX. Also working at Cooling & Waters are ; Mr. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. All who are former employees of XXXX XXXX XXXX XXXX XXXX at the time of the above Civil Action. I called their office and asked for Mr. XXXX or Mr. XXXX to personally return my call. To date I have not heard back. On XX/XX/XXXX, I have again received a notice of a judgement against me. They are Knowingly attempting to collect a debt that was settled 12+ years ago with threats of a property lien or garnished wages. This matter has gotten very aggravating and needs to end.
04/29/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30058	Web
I couldn't find the specific indicators to move forward with my complaint, so I choose those as close as possible. I had a mistrust of Cooling and Winter prior to settling my XXXX XXXX XXXX credit card lawsuit with them, due to the information I read about them and how they handled their business/treated their customers. During the time prior to the agreement, I was able to get in contact with someone from Cooling & Winter, after the agreement, that has not been the case. I have been sending my payments by money order, but have not been able to get an email/proof that the payments have been received, because I can't get in touch with anyone to return my numerous calls that I have left on their answering machine. I also want a balance remaining update to insure that our information is the same. The last two calls for example were XXXX XXXX on XX/XX/19. I left a message at ext. XXXX which was supposed to be XXXX XXXX ( I don't even know if he's still employed there ), but I have not received a call back. Another call was made XX/XX/19 @ XXXX XXXX I spoke with a representative named XXXX XXXX. She asked for my name and didn't seem to be able to find my account. I the gave her the case # /number I put on all money orders with my identifying info when the payments are sent, and she still didn't seem to be able to pull up an account. She finally said 'Hummmmm. hold on for a second ', then before I knew it I was listening to another phone ring. The answering machine was for someone whose last name I made out to be XXXX. I left a message for him, but he never called me back either. I have an answering machine so that if they were to have called back and left a message, I would know. This company has some of the worst customer service and non responsiveness that I don't see how they have not been sued again by the CFPB. I know I can't be the only person the be having issues with this company. I just need simple verification, so that when I finish with this claim, I have proof in the form of a letter from them hat it has been paid so that I won't have any issues in the future. If their bookkeeping is anything like what I have been confronted with, I can't imagine trying to get any proof of anything in the near or extended future.
12/19/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30135	Web
On XX/XX/XXXX I was sued by XXXX XXXX for a defaulted credit card. The attorney that was suing me for {$1600.00} and XXXX dollars for court costs on behalf on XXXX XXXX was XXXX XXXX XXXX XXXX XXXX and that was the last I heard about it until XX/XX/XXXX when I received a letter of garnishment from the law firm Cooling & Winter informing me that they have gotten a judgement against my employer on XX/XX/XXXX and will be garnishing my paychecks.for XXXX principal and XXXX in post judgement interest, and XXXX in other fees. After frequently calling them trying ( and failing in both aspects ) to have the garnishment stopped and a payment arrangement agreed on I posted a complaint on the XXXX website ( XX/XX/XXXX ) where they finally respond " We appreciate the opportunity to respond to this review. Fair customer treatment is a high priority for our office and we prefer to resolve debts with consumers voluntarily, without using the garnishment process. However, in this case, no payments were made toward the debt in response to the lawsuit or judgment in XXXX, or at any time since then. We evaluate settlement offers and payment plans based on the particular facts and circumstances of each case and invite you to contact our office to discuss repayment options ''. ( XX/XX/XXXX ). After 28 days of multiple phone calls and emails sent to the person handling my file explaining my problem with 25 percent of my paychecks being seized I get a phone call from a XXXX XXXX who tells me that in XXXX Cooling and Winter tried to call me numerous times and in XXXX they sent me a letter to settle, but to have the guy actually in charge to decide if its okay to reduce the amount they are taking out of my checks I will need to submit 3 of my paycheck stubs.That very day I email 3 of my paychecks stubs to XXXX XXXX and wait. Wanting to know if a decision has been made I email XXXX XXXX XXXX on XX/XX/XXXX to find out on the XXXX of XXXX that XXXX didn't send my paycheck stubs to him. It has been six days since then and I haven't received a email or a phone call. It has been almost 2 months since I was invited to discuss repayment options. Every time Cooling and Winter takes the full 25 % of my paycheck I not able to afford my living expenses
02/22/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	FL 34119	Web
Dear CFPB Representative, Thank you very much for taking the time to review this complaint. This is a case of a Law firm representing itself in a primary function as a debt collector.. Each letter from the debt collector ( 3 letters ) stated " We are a law firm, at this time no attorney with the firm has personally evaluated or reviewed the particular circumstances of your account ''. However, this firm recently filed a lawsuit against me without any notice or without notice of transitioning from a debt collector to a law firm. Additionally, this firm did not provide important documentation that I requested on multiple occasions so I properly validate the debt and the determine if this firm has authorization from the creditor to collect the debt. On XX/XX/2020 I received a letter from this firm, Cooling & Winter ( Letter # 1 ) to regarding credit card debt shown in the amount of {$82000.00}. I responded on XX/XX/2020 ( Response # 1 ). Cooling & Winter sent Letter # 2 and I sent Response # 2 and Cooling & Winter sent Letter # 3 and I sent Response # 3. I did not receive a letter back from Cooling Winter in regard to my last Response # 3. I will attach these 3 Letters & 3 Responses, label accordingly. Importantly, I did not receive any indication or notice at all that Cooling & Winter intended to transition from a debt collector to a law firm. Additionally I did not receive any notice that Cooling and Winter intended to file suit. Complaint attached. Th e Compliant was mailed by a different firm, XXXX XXXX ( attachment ). I have no knowledge about this firm, XXXX XXXX and never communicated with them. FInally, per my Reponses, you will see I requested multiple times for verification that Cooling & Winter had a license to do business in Florida and that Cooling & Winter had authorization from the Creditor to collect this debt. These are very important as many Collection Agencies do not have authorization and also may not have the license to do business in other states. These among other requests to Cooling & Winter were never specifically addressed. I also requested other documentation to formally validate the debt. Thank you for your assistance. I am always available to discuss this matter further.
10/22/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 31088	Web
I had a defaulted credit card obligation that I owed to XXXX XXXX XXXX. They filed suit against me in the Magistrate Court of XXXX County, Georgia. A judgment was entered against me for {$1700.00}, on or about XX/XX/XXXX. In XX/XX/XXXX, I began the process of re-financing my mortgage with a HARP loan. I was told that I would have to satisfy the outstanding judgment lien to XXXX XXXX XXXX before the re-financing could be completed. I contacted the law firm representing XXXX XXXX XXXX, Cooling & Winter, in early XX/XX/XXXX. We reached a settlement amount of {$1500.00} to resolve the debt. I spoke with attorney XXXX XXXX. I mailed certified funds for {$1500.00} ( cashiers check ) to XXXX XXXX of Cooling & Winter on XX/XX/XXXX. They received the funds and they dismissed the lawsuit/judgment on XX/XX/XXXX. They then filed a Satisfaction of Judgment in the Magistrate Court of XXXX County on XX/XX/XXXX. Then, on XX/XX/XXXX, I received a copy of a garnishment action filed by COOLING & WINTER, against me the exact same debt described above even though the debt had been paid in full and satisfied over a month earlier. My employer had been served with the garnishment and withheld 25 % of my pay plus fees. A total of {$770.00} was taken from my paycheck. On XX/XX/XXXX, I immediately called COOLING & WINTER to see what was going on. I left messages for both XXXX XXXX and his assistant, and never received a call-back. On Monday, XX/XX/XXXX, I again left messages for XXXX and never received a call-back. This debt-collection attorney firm resolved the debt I owed and received my funds, YET THEY CONTINUED TO PURSUE A GARNISHMENT ACTION AGAINST ME FOR THE VERY SAME DEBT CAUSING ME TO LOSE 25 % OF MY CHECK. AS A RESULT, I HAD THREE CHECKS RETURNED FOR INSUFFICIENT FUNDS AND WAS CHARGED FEES IN EXCESS OF {$100.00}. THE LAW FIRM REFUSES TO CALL BE BACK AND RESOLVE THE MESS THEY CAUSED. They have violated the FDCA by collecting on a debt they KNEW WAS SATISFIED. THEY USED THE LEGAL PROCESS AGAINST ME FOR A DEBT THEY SATISFIED OVER 30-DAYS PRIOR. THE OFFENDING LAW FIRM/DEBT COLLECTOR IS : COOLING & WINTER ATTORNEYS AT LAW XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
06/25/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30813	Web
My dispute is against XXXX XXXX XXXX XXXX My wife and I attempted to refinance our home last year and discovered a lien in my name filed in the land records of XXXX County , Georgia . Pursuant to lenders instructions, we had to satisfy the {$1400.00} lien at or before closing. My wife and the lender attempted to contact the creditor to no avail. I contacted an attorney in XXXX to assist with acquiring the necessary information from the creditor to satisfy the lien. The attorney contacted several attorneys before finding the firm handling XXXX accounts. It was discovered that the creditors attorney failed to comply with Georgia law and re-file the lien within the seven year period from the original filing date. Therefore, under Georgia law, the lien was expired. However, the title company informed our attorney that the lien must be cancelled of record in order to obtain title insurance for the refinance transaction. Herein lies the problem, representatives from the creditors attorney stated there was no money due for the account in my name. When our attorney asked for a cancellation of the lien, the creditors attorney would not cancel the lien in the county land records. My wife and I asked our attorney to obtain the amount to pay off the debt. Again, our attorney contacted and spoke with several persons with the firm handling XXXX account and could not even obtain an amount to pay the debt off. We have been trying to refinance our home since XX/XX/2017. We can not refinance our home due to XXXX failure to release the lien or provide an amount to pay off the debt. Also, we have suffered significant damage because the interest rate locked by our lender has expired. We were not waiting for approval to refinance, but ready to close the transaction. Our attorney has suggested a suit against the creditor for slander of title. However, it our position that extra money on our part should not be spent. We are willing to pay monies to the creditor, if we can speak to someone with authority to handle the situation. We would like any assistance in being able to contact XXXX XXXX to release the lien or negotiated a payoff for satisfaction of the debt. Thank you.
01/31/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30080	Web
I am currently trying to purchase a house. I have been dealing with this issue for several years now. The original company was originally XXXX XXXX XXXX XXXX XXXX ( XXXX ) representing XXXX XXXX who bought a debt from XXXX XXXX. Since then the accounts of XXXX have been taken over by Cooling and Winter after XXXX went out of business. Cooling and Winter were the business partners of XXXX XXXX XXXX. In 2013 I received notice from the XXXX County, Ga court house to come and pick up a judgment against me. I had never received anything in the mail prior too or any phone calls from this company notifying me that I owed a debt, or any information on how to dispute the debt. Because there was a judgment against me, and because I had never been in any trouble, I assumed bc this company used the court system that it was a legitimate claim. I contacted XXXX and spoke with a representative to schedule payment arrangements. The representative never told me which company had the original account against me or what my options were at that time. I made several payments to this company, but my balance was not decreasing, so I asked the representative about it and she gave me something about having to pay interest on the account and told me that she would connect with me an attorney within there company to explain. She also said some other things, that was not adding up, so I begin researching the company on the internet, and realized that something was not right. After further research and review of my credit I realized that I have never had any accounts with XXXX or XXXX XXXX so I stop paying them. XXXX XXXX XXXX never reported any information to the XXXX County, GA courthouse of payments that I was making to them. There is currently a court judgment against me that I am disputing. I have also filed a dispute with Cooling and Winter. The representative at Cooling and Winter told me that in order for it to be settled, I would have to prove that I never owned the account. XXXX XXXX XXXX violated several consumer practices when filing and attempting to collect on this debt. I do not owe this debt and this is fraudulent.
06/04/2018	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	GA 30132	Web
On or around XX/XX/XXXXI received a letter in the mail dated XX/XX/XXXX. This is the first and only communication received from Cooling and Winter. No follow up letters or phone calls. I made contact with XXXX in order to set up payment arrangements, before I would be sued. However, I found out during that conversation that a lawsuit had already been filed. However I proceeded to set up an arrangement in the amount of {$50.00} a month for however long it took to pay off XXXX in debt as a means to resolve the referenced account and that they would be willing to partake in a consent order as a means of negotiating. During which I was instructed to not make a payment on the account until I receive forms to sign showing a contracted agreement. All of which brings me back to the letter. I had not received a phone call or letter from XX/XX/XXXXto present regarding the matter. Which means I had no time to respond. To which the letter indicated that no attorney at the time had evaluated or revised the circumstances of my account. Today XX/XX/XXXX, I received a phone call from my wife who took it upon herself to call to try to negotiate with XXXX. No permission was given to Cooling & Winter to speak to her regarding my account. My wife indicated to me that not only did he provide information regarding this debt, but that a lawsuit was being processed, that an arrangement was set up and the amount. He also gave her information as to how much was owed. She was trying to negotiate the account without my permission in trying to help. During said conversation, XXXX informed her of information regarding the consent order and payment information that O myself was not aware of because he failed to contact me. While my wife is aware of the money that goes in and out of my account we handle things of this nature separately. And frankly I dont appreciate my information being shared without my explicit written or verbal permission. Mind you since XX/XX/XXXXI have called and left messages regarding ng je paperwork XXXX was fo send for signing and never received communication.
06/21/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 31904	Web
Back in XX/XX/XXXX & XX/XX/XXXX, I settled all accounts I had in collections by paying off balance agreements in full via check and a couple online thru a debt collector ( who does n't have a positive reputation ) XXXX XXXX who sold my info to XXXX XXXX ... a GA debt collector firm ... both companies involved in major law suits in XX/XX/XXXX and XX/XX/XXXX due to deceptive debt collection practices. I fell victim to a XXXX XXXX wage garnishment myself during that time along with paying off other balances in full. These were all credit cards from roughly XX/XX/XXXX that went delinquent. USince XX/XX/XXXX, I heard nothing from anyone because they were paid off and settled. I am sure you guys know that you guys led to XXXX XXXX 's demise and the law firm closed in XX/XX/XXXX. Two of those partners though have opened a law firm in XXXX, GA under their names Cooling and Winters. Today, XX/XX/XXXX, I get a letter in the mail today in regards to a XXXX XXXX XXXX account claiming I owe over {$2000.00} when that account was settled and paid for back in XX/XX/XXXX. That credit card went delinquent back in XX/XX/XXXX but again I rectified it in XX/XX/XXXX by paying a settled amount a little under {$1000.00}. I called the law firm and the woman I spoke with claimed that XXXX XXXX never notified them my case was closed and then she began to ask me about two other accounts that were settled back in XX/XX/XXXX as well. She brought up XXXX XXXX 's closing and how their old files were transferred ... Of course if this company is own by two prior affiliates. I have the letter I received today. The woman I talked to today did give me XXXX XXXX contact info so I can call them and ask about my closed cases. She said it 's possible where they made the mistake of not properly closing my files. I plan on going to my bank in the morning to get copies of the checks used to pay XXXX XXXX and whatever other payment info. These are debts I do not owe because they were paid over 4 years ago. How can this be rectified? I have also filed a complaint to GA 's Attorney General.
08/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 30132	Web
Twenty two years ago when I was XXXX XXXX XXXX I signed a Retail Installment Contract with XXXX XXXX XXXX to finance a gym membership with XXXX XXXX XXXX in the amount of {$1000.00}. Four years later my wife was served at our home at XXXX XXXX XXXX XXXX GA XXXX with Civil Action 98-CV-1308 in regards to this unpaid contract. A judgement in this matter was filed on XXXX XXXX, XXXX and my wages were subsequently garnished until the judgment was satisfied in full. Please see the attached documentation showing the garnishment on this matter was satisfied in full on XXXX XXXX, XXXX. I never heard anything further regarding this matter. We were never informed of any liens on our property pertaining to this matter. On XXXX XXXX, XXXX I received a letter from XXXX in regards to a judgment in the matter of XXXX XXXX XXXX in the amount of {$770.00}. On XXXX XXXX, XXXX I called and spoke to XXXX XXXX with this firm and discovered that this was the XXXX judgment. I informed him that this judgement has been satisfied twenty years ago when my wages were garnished. I also requested Validation of the Debt and followed up this call with a letter ( see attached ). I never heard anything back from this firm nor received any Debt Validation. XXXX XXXX, XXXX I sold my property at XXXX XXXX XXXX and a law firm handled the paperwork pertaining to that transaction. Subsequent to the sale of my property I was contacted by the law firm because they had been contacted by Cooling and Winter regarding an unpaid lien on my property in the amount of {$820.00}. After researching this matter I have discovered that it is in fact in regards to the debt that was collected by XXXX XXXX XXXX and XXXX back in XXXX. After the satisfaction of the debt by garnishing my wages they subsequently filed not one but two liens against my property. One in XXXX and one in XXXX, both on a debt that had been fully satisfied back in XXXX by my wage garnishment. The firm who handled my closing unfortunately paid them the money and are now trying to recollect it from me.
11/26/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30294	Web
I was sued without given Noticed by Cooling and Winter Attorney 's at law at or about the middle of 2019 for and alleged debt Re a credit card I once had with XXXX XXXX XXXXXXXX. This account was disputed with proper notices before it was allegedly assigned to COOLING & WINTER ATTORNEYS LLC. In 2019 after receiving debt collection letter from said attorney 's office I started my administrative process and was still sued without proper notice { I found out I was sued by receiving over 20 different letters in my mail from from a bunch of attorneys stating that i was sued in XXXX County Court } this was really embarrassing to know that at the time I was communicating with said debt collector. I then sent an affidavit to Cooling an Winter Attorneys at law after which they Voluntarily Dismissed the claim with prejudice after about 7 to 8 months a few months a second claim was filed in the court. I Completed another set on Administrative process by sending notices and affidavit where I was only sent one response that they " Cooling at Winter '' is not obligated to validate said alleged debt. I had obtained a certified copy of a lien search from the Secretary of State of Georgia on the name associated with said alleged debt which reveal there is no lien filed by Cooling and Winter Attorney 's LLC. am alleging this is a simulation of a legal process which puts the consumer in a disadvantage in accessing credit. On Monday XX/XX/XXXX I sent a Notice of Liability with intent to sue and a Bill of Particulars. I have reason to believe and do so believe that said third party debt collector overstepped their authority by filing a matter in the court and did nothing to even have a service of processor serve me the summons to answer even after I had completed my second administrative process as at the time of writing this the claim is still before the without the fees to process same. I am alleging this is a criminal simulation as its negligence, incompetent or malice and just a wanton disregard for the consumers laws.
09/01/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 316XX	Web
XX/XX/XXXX XXXX Noticed legal fee and hold on my bank account on XX/XX/XXXX. Called XXXX XXXX XXXXXXXX and was instructed me that is was from due to needing to investigate my account for an outside party. And would have to call back to speak with legal department from more information when they opened. I was also given number to outside party ( XXXX ) XXXX. XX/XX/XXXX XXXX I called the ( XXXX ) XXXX which is Cooling and Winter Firm, I implied that I was looking for reason hold was placed on my account and my was forwarded to staff member to help me. No answer, and I left a voicemail for return call. XX/XX/XXXX XXXX Called number to XXXX XXXX XXXXXXXX to speak with legal department regarding fees and hold, agent stated I could not speak with anyone but she would contact them on my behalf. The agent stated the hold and fees were due to judgement from the State of Georgia, and my addition bank account balance would should not be affected, there was just a one time hold for {$330.00} as of now but the told instructed to hold was about {$3400.00}. I also reported that I was unable to contact party that placed hold on account and asked for more info on how to resolve. XXXX I called Cooling and Winter back and was given XXXX contact number because I was unable to reach anyone attempted to call both Cooling and Winter contacts I was given with no success. XXXX-Followed of with BaXXXX XXXX XXXXXXXX due to not being able to contact with Cooling and Winter. Representative reinforce that Bank Could not remove hold due to instructions from State of Georgia. XXXXEmailed Cooling and Winter and finally was able to speak with someone called me back, who identified as debt collector. Collector stated that a judgement for garnishment when given XX/XX/XXXX, which I cant find any record of. Representative stated that total debt was about {$4200.00} and garnishment started on XX/XX/XXXX and would take all wages in account not just a percentage.
08/26/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	XXXXX	Web
Dear Sirs/Madams Re : Illegal litigation practices, using the GA court system for the purpose of intimidation, deceptive court filing to coerce consumers to pay, faulty/unsubstantiated evidence to churn out a lawsuit, violation of Dodd-Frank Wall Street Reform, violation of Consumer Protection Acts prohibition, violation of the Fair Debt Collection Practices Act, by Cooling & Winter LLC and/or XXXX XXXX XXXX. In response to the attached letter left at a relative 's address, I received a copy of the letter via e-mail, shortly after contacting XXXX XXXX XXXX asking again for a feasible repayment plan. The letter sent via CFPB, dated XX/XX/2018, contradicted the letter sent via XXXX County, dated XX/XX/2018. Perhaps the CFPB should make Cooling & Winter LLC and/or XXXX XXXX XXXX. pay {$3.00} XXXX to the Civil Penalty Fund. Again, I do not reside in the jurisdiction of Henry County court. Furthermore I am not able to travel over there to attend the meeting, scheduled on XX/XX/2018. This expired debt was charged off by XXXX XXXX XXXX ( the creditor ) and then the written-off / worthless debt was sold to Cooling & Winter LLC ( the debt collector ). Both the creditor and its debt collector failed to properly offer me a repayment arrangement and now they also failed to properly inform me about their intention to file a lawsuit. My calls to XXXX XXXX XXXX and Cooling & Winter LLC get re-routed to robotic assistant, voice mailbox and then terminated. Now the collector is attempting to win by default judgment. I have an on-going case here in XXXX/XXXX and can not leave. XXXX XXXX XXXX and/or Cooling & Winter LLC are welcome to lodge their claim in a court in XXXX, XXXX. Nevertheless, XXXX/XXXX laws require proof of failed resolutions via out-of-court communication as the first step before a proper lawsuit can be filed in a court. Regards XXXX XXXX
04/18/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	NY XXXXX	Web	Older American
Rather than communicate these problems over and over, I will submit previous case numbers, which are : XXXX and XXXX. XXXX XXXX XXXX and Cooling & Winter. I gave feedback in both cases, apparently to no avail, because both companies are continuing their reign of terror. According to your representative XXXX at CFPB today @ XXXX, my feedback was not submitted to XXXX XXXX XXXX and Cooling & Winter . Cooling & Winter has since called me, and has terrified an XXXX XXXX XXXX senior citizen by sending strange men to the resident 's home WHERE I DO NOT RESIDE. Cooling & Winter has not kept their word in their answer to the CFPB and has not removed those lawsuits from that listed address where I do not reside. They have added an additional address onto the lawsuits where I DO NOT RESIDE, and chose to terrify an XXXX XXXX XXXX resident to death with strang men acousting him. XXXX XXXX XXXX has decided to continue mailing sensitive banking info to the address WHERE I DO NOT RESIDE. THE RESIDENTS PROMPLY TOOK PICTURES OF THE PACKAGES BEING RETURNED TO THE POST OFFICE AND EMAILED a copy of THEM TO ME. All this Additional information can and will be used in the lawsuit for all the embarassment and humilation caused by all the wierd people and attorney letters sent to their home by Cooling & WinteXXXX and XXXX XXXX XXXX as an accomplice. ALSO PLEASE REMBER ALL THE XXXX 'S THAT YOU SENT TO HARASS THAT FAMILY ARE DOWNLOADED ON FILM SECURITY FILES. EVERYONE COOLING & WINTER, AND, XXXX XXXX XXXX HAS CONTACTED AND HARASSED ARE JOINING THE LAWSUIT. I have made both companies aware of my homelessness, chronic illnesses, and financial situation several times. This continued harassment and humilation is meant to drive me to a suicidal state. Because both companies know there is no way I can possibly pay any financial obligations.
08/06/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30041	Web
On XX/XX/XXXX I, XXXX XXXX went into my bank account with XXXX XXXX and noticed heavy activity in two personal accounts of mine. Both personal accounts were depleted. In account ending in # XXXX they took out over {$1600.00} plus {$75.00} legal fees with now a minus {$800.00}. leaving it as {$2400.00} and in my other account ending in # XXXX they put a hold and minus on the account for {$2400.00}. I received a copy of the CFPB Law Suit with XXXX, Cooling & Winter and I have a judgement against me from Cooling & Winter filed @ the XXXX County Court house which in XXXX Cty which I know nothing about. I have called them and to no avail they have yet to give me anything other then harass me and hang up on me. I'm at a loss for words. I'm out money that was helping me live, I was paid by clients, and past income. No contact by the bank to tell me this was happening or that there was a judgement against me and now they have doubled what they say I owe them in the documents uploaded. I never knew anything about this. No one informed me about if there was a " debt '' and if I look up my credit report it clearly gives me a good standing credit rating of XXXX as of XX/XX/XXXX. I never received an email, a letter, nothing. I'm told after looking through paperwork and hearing from my Business Lawyer ( spoke to the firm just to ask what they thought ) that this stems from XX/XX/XXXX, 13 years ago. Isn't there a statute of limitations? In all the time I have lived in XXXX and here in XXXX County GA now I still don't know anything. I need your help because if this is all about Cooling & Winter and I'm a part of that without knowing anything more what's a girl do. I can't open another back account somewhere else until this matter is resolved. Please help me
03/31/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 304XX	Web
Back in XX/XX/XXXX I open a credit card with XXXX XXXX XXXX with a {$500.00} credit limit. It was charged off in XX/XX/XXXX. I filed for bankruptcy in XX/XX/XXXX and I got the card to help build my credit back up. I ended up being out of work for little while and got behind. I moved in XXXX and got married in XX/XX/XXXX. In XXXX of XXXX, my son was in a very life threatening accident and was in the hospital for a while. In XX/XX/XXXX XXXX XXXX had me served at my old address for a judgement. My sister or someone claiming to be my sister happened to be close to the house and took the paperwork. When I was notified I went to the courthouse and signed the paper to request a hearing. Well my son was still in the hospital and I forgot about the court. So they filed against me. XXXX, per their attorney Cooling and Winter also filed for a FiFa to be placed on my property in XX/XX/XXXX, because they knew that I came off my bankruptcy in XX/XX/XXXX. So in XX/XX/XXXX XXXX credit begin to report the debt on my credit as their debt. They are now saying that I owe {$1000.00}. My complaint is for the amount of time that the debt was placed in their office XX/XX/XXXX. They were pulling my information because they knew of the public records about the bankruptcy so they could see my new address and contact information. Also I have 2 open credit card accounts with XXXX XXXX right now. They use the the Cooling and Winter law office to collect their money and will not deal with the debtor. The Cooling and Winter law office have random people calling and working on the case. And they are very unprofessional and will not return calls or answer emails. They even had an attorney from different area to step in on their behalf. My case number is XXXX XXXX is XXXX.
04/04/2019	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30519	Web
Cooling and Winter, LLC., Whom are representing XXXX XXXX in this case, have executed a judgement against me that was issued in XX/XX/XXXX and began a garnishment of my wages XX/XX/XXXX with an alleged balance owed of {$4300.00}. Through investigation, I learned that the statute of limitations on executing a judgement in GA. is 7 yrs. but can be re-newed forever as long as the request is submitted and granted from the court. After unsuccessful attempts at getting much info or documentation from Cooling and Winter, I contacted XXXX XXXX and was told by guy handling this case that the balance was now {$6800.00} with an explanation of the nearly {$2500.00} difference that accrued in less than 2wks. from the balance that was given on forms sent to my employer to begin garnishment was due to interest and other fees and that a lump sum of {$4000.00} was the best offer available to settle the debt. After this, I searched the court records on-line and found that after the judgement that was issued in XX/XX/XXXX, the next and only other records the court has are the XX/XX/XXXX documents that started the garnishment process. I called immediately and spoke with a representative from the court who confirmed that the documents shown on-line were the only documents recorded. No record of Scire Facias or anything indicating that the judgement was re-newed. She even updated them, adding my middle initial because of high volume of cases that share my same name. A judgement has been illegally executed after the SOL expired, my wages are currently being garnished because of it and through my experience and investigation, have realized this is not uncommon practice for Cooling and Winter and I believe XXXX may have to answer for their role in this as well.
05/24/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30016	Web
I received notice of a lawsuit from Cooling and Winter on XXXX XXXX, 2017 for an XXXX card balance {$920.00}. I contacted them and because I did not want to have this dragging out or have to go to court, I discussed with XXXX XXXX XXXX, a possible settlement. I contacted the gentleman within a day, indicating a family member would assist me but could only give us {$400.00}, we agreed on a settlement of {$500.00}. I never received a letter indicating same. A settlement letter was sent to me for the amount of {$650.00}. Every time I contact the office I get the run around. I was told the letter would be sent, it was never received. When I called back I was told it could be emailed and would be received by the end of the day. It was never received. I contacted the office again on several occassions and every time there was an excuse. I have been told it has been sent and I have been told it was not sent - all by the very same individual as he is the only person I have spoken to at the law firm. I have been told there is a backlog and I was also told because in my answer to the court I disputed the debt, it had to be cleared by the original debtor, XXXX XXXX and they could not send the settlement letter. I contacted XXXX XXXX and was told they could not provide any information. It appears they are deliberately preventing me from resolving this matter by giving inaccurate information. Thank you for your assistance. I do not know whether or not the amount in question is correct, but I do not want to be hassled by these dishonest people any longer. This firm is known for and has previously been sued by federal agencies for dishonest collection practices and now I am another victim. They have never provided any proof of contract in addition.
08/23/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30349	Web
submitted a final complaint to XXXX XXXX XXXX after filing six complaints regarding identity theft issues. The most recent complaint was lodged within the last 30 days, and on XX/XX/2023, they responded by rejecting my claim. Throughout this process, the bank has made several errors and has been unwilling to provide me with an itemized statement that would allow me to identify potentially fraudulent charges. Instead, they only submitted a proof of lending document and statement grand totals without any itemization. Moreover, I am unable to access my account as I am no longer a customer. Adding to the ordeal, the bank lost my last fee payments and then advised me to close the account during the COVID-19 pandemic. I had to file a claim for the lost payment, which the bank eventually found, but by then, my credit had already been severely damaged. I feel like I am being bullied by this trillion-dollar bank, and their actions are causing significant pain in my personal life and impacting my credit with no resolution in sight. To make matters worse, XXXX XXXX XXXX sent Cooling & Winter to my brother 's home, and they intimidated him. As a result, my brother filed a police report of harassment against Cooling & Winter and XXXX XXXX XXXXXXXX. I urgently seek assistance in resolving this situation, as it is causing distress in my personal life and damaging my credit. Your intervention and guidance in dealing with this billion-dollar bank would be greatly appreciated. This is my 2nd complaint with CFPB and I am asking to dismissal due to this company not providing me with my account ( s ) statements to look over the fraud activities on the accounts.
04/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30549	Web
I called to make a payment on an account through a debt collection company that I have been making payments on for the past 2 years. My account was transferred from the original debt collector to XXXX over to XXXX & XXXX in XX/XX/2016. You are not able to make a payment online. You have to mail in your payment or you have to call in. I tried calling on XX/XX/2016, my payment due date, for XXXX hours but could not get through. I called again on Monday XX/XX/2016 when the office was open. XXXX XXXX informed me that my balance was actually {$50.00} higher than my balance. When questioned about that, she sent me to a XXXX. XXXX answered the phone explained there are XXXX screens they look at which yes, do show different amounts, but after making my payment, it would be correct. He took my debit card information, confirmed the information given to him and said he would turn in the form. I requested a confirmation number from him for the payment and he stated that he did not have to give me XXXX. They would run the payment and it would be processed in XXXX to XXXX hours. I stated that they only had permission for a XXXX time {$50.00} payment and I wanted confirmation to this. He again stated he did not have to give me a confirmation number because they had changed their practices. I told him that was not acceptable because anyone could have my information or run my debit card number multiple times. He told me I could then mail my payment in and he was tearing up the form he filled out. I explained that I made a payment to this same company in XX/XX/XXXX and I had an immediate confirmation number given to me. He said again, things had changed.
05/28/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30132	Web
I got a credit card with XXXX and I lost my job shortly after. I tried contacting XXXX to explain why my account had got into the late status. I contacted them and was told the department I needed to speak with was n't available and they would call me back. I never heard back. I then received a letter form Cooling and Winter LLC in XX/XX/XXXX notifiying me that XXXX had hired their Law Firm and for me to contact them in 30 days if I was denying the debt from a XXXX. I received a statement of claim from magistrate court of XXXX county Georgia on XXXX XXXX 2017. I have repeadly tried to contact the attorney on the paperwork and only spoken with them once. I was told to contact them again once I had made my decision or made a counter offer and I have since contacted them on Wednesday XXXX XXXX 2017 at XXXX XXXX Friday XXXX XXXX 2017 at XXXX, XXXX, XXXX, XXXX XXXX All of these times i have left voicemails. I have also emailed them multiple times and the attorney XXXX XXXX XXXX said she would forward my emails for him to call me back and he has n't. The man I have spoken to on Wednesday XX/XX/XXXX at XXXX XXXX XXXX XXXX his name is XXXX XXXX with Cooling and Winters LLC. I was told I had to give them an answer by Tuesday XXXX XXXX 2017 whether it as going to agree to payments or agree to the amount they offered for a settlement. I was told by XXXX XXXX that I could counter offer their settlement which I was trying to do by my repeated attempts of phone calls voicemails and emails. I left the amount of my counter offer in an email and on a voicemail. I was threatened that I had to answer by XX/XX/XXXX which is not 30 days after I was served
04/22/2022	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	GA 30281	Web
My name is XXXX XXXX a federally protected consumer, and I am making this complaint against Cooling & Winters for committing fraud and identity theft. I have never contracted with Cooling & Winters and I did not authorize nor consent to the use of any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe them. These abusive, deceptive, and unfair debt collection practices committed by Cooling & Winters, have brought me severe stress and anxiety. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal and both the assignee and the assigned are both liable for violations u nder 15 U.S. Code 1692e ( 12 ). I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Cooling & Winters, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Cooling & Winters, continues its collection efforts, I will file for litigation for actual damages caused, and Cooling & Winters will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
08/28/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA XXXXX	Web
The company XXXX XXXX XXXX files 2 suits against me for 2 Credit Cards that fell victim to Identity Theft. On the recent credit report it shows one of the accounts with a balance of {$0.00} and the other as being charged off. The lawyer working with XXXX XXXX XXXX ( XXXX XXXX XXXX ) has provided no communication about this case after XXXX XXXX. In XXXX I received 5 forms requesting a date to appear in court. 2 of these were mailed from Texas, one was mailed in an envelope with a Judges name and address, and 2 were mailed with a PO box Georgia address but no firm name in the return address. The first item I received was a incomplete form requesting a court date. The other 4 followed but none of them had the stamp of the clerk of the court.on them. I emailed XXXX XXXX XXXX who replied that he and the court sent them. I replied XXXX 's email that I received a total of 5 of these forms, 2 with a PO box return in Georgia, 2 with PO box in Texas, and one from in the envelope with the Judge 's Name and address. Mr.XXXX did not reply to my last email. So the other day went to the county website to check on the tax bill to find out that XXXX XXXX XXXX and XXXX XXXX have placed 2 Liens on my home. The Judgement date on the liens is XX/XX/XXXX the same day that the tax assessment bill was processed. However, the liens were not recorded until XX/XX/XXXX ; about 2 weeks ago. I have received no word from XXXX XXXX since the email of XX/XX/XXXX. And the liens now have had the attorney 's fees added to the total amount.
03/17/2022	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	GA 30349	Web
I received a demand letter from Cooling & Winter XXXX XXXX XXXX XXXX on XX/XX/2022. Cooling & Winter XXXX XXXX XXXX XXXX are debt collectors demanding to collect a debt on behalf of XXXX XXXX XXXX ( XXXX ) XXXX. I have not received any goods or services from Cooling & Winter XXXX XXXX XXXX XXXX and I do not know how they received my private personal information. Cooling & Winter XXXX XXXX XXXX XXXXXXXX do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct business and I have not agreed to pay/tender anything to Cooling & Winter XXXX XXXX XXXX XXXX I am not a party to any agreements that Cooling & Winter XXXX XXXX XXXX XXXX may or may not have with XXXX XXXX XXXX ( XXXX ) XXXX or XXXX XXXX XXXX XXXXXXXX XXXX. I have not agreed to pay/tender anything to Cooling & Winter XXXX XXXX XXXX XXXX, CXXXX XXXX XXXX XXXX XXXX ) XXXX or XXXX XXXX XXXX XXXX XXXX XXXX Cooling & Winter XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) XXXX reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety. Please be advised that neither Cooling & Winter XXXX XXXX XXXX XXXX or XXXX XXXX XXXX ( XXXX ) XXXX are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist.
03/05/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	GA 303XX	Web
XXXX XXXX XXXX XXXX. failed to provide proof that their account in the amount of {$240.00} belongs to me. While in the process of validation the account was sold to XXXX XXXX XXXX on XX/XX/XXXX. This account was disputed and XXXX ceased contact with immediately. On XX/XX/XXXX this account was sold again, this time to Cooling and Winter LLC, ( Again this account is currently in dispute. ) Both debt collectors are reported different account numbers. XXXX XXXX XXXX XXXX. is currently reporting this account to all XXXX major bureaus as closed/charge-off and updated as of XX/XX/XXXX. XXXX XXXX XXXX XXXX. continues to update their account to my credit files even after I have provided proof that they are not Holders in Due Course and the account has been sold multiple times. I will not keep disputing this account. I have proof that XXXX XXXX XXXX XXXX. NEVER validated this account and XXXX XXXX XXXX XXXX is not following the FDCPA. Cooling and Winter LLC are debt collectors attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX. I would like to know who gave Cooling and Winter LLC my personal information. I did not agree to any contracts with Cooling and Winter LLC to pay this company anything. I did not authorize Cooling and Winter LLC or XXXX XXXX XXXX XXXX, permissible purpose to use my personal information. Recently I priority mailed XXXX XXXX XXXX XXXX, and Cooling and Winter LLC letters and each company is well aware of what will be the outcome will be if they continue to harass me.
07/06/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30132	Web
1. I state that I am the Defendant in this matter and contest the claims Of Plaintiffs assertions before this Court in the above-entitled cause. 2. I strongly contend that the Plaintiffs Garnishment is invalid based on the following : A. I state that Plaintiffs did not properly serve me and that I was not aware of their summons and complaints dating back to XX/XX/2017. I was never served and did not RECEIVE ANY SUMMONS AND COMPLAINT AT THE address documents were alleged to have been served PURSUANT TO XXXX, Georgia Codes and Statutes. B. I state that this Garnishment has caused a severe and undue financial hardship upon me and my family. C. I state that there is even a jurisdiction question in this matter since it was originally filed in XXXX County. 3. THEREFORE, I move this Court for Reconsideration and Dismissal of Affidavit of Garnishment. Respectfully submitted, /s/_______________________ XXXX XXXX, Pro se. XXXX XXXX XXXX XXXX XXXX, GA XXXX [ L.S. ] I am contesting this matter on the grounds that the process of service was not served properly and the the amount shown on the complaint is NOT correct as to what it alleges that I owe. I state that I am suffering a severe hardship as a result of Cooling & Winters filing a garnishment against me in court. I have not been able to pay any bills such as my : mortgage notes, food, shelter and clothing for family, gas expense to and from work, and other financial obligations for livelihood!
02/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30294	Web
XXXX XXXX XXXX for more than four 4 Years reported as charged off, and bad debt to the Credit Reporting Agencies in the amount of {$4800.00} In view of such fact said report is inaccurate according to the IRS manual where a charged off is considered income which should be reported for tax purposes and income is excluded from the consumer report. Further, it's an impossibility for the report to ever be accurate as said amount can not be debt and income for me simultaneously. Notice this account is being currently litigated in Court by a third-party debt collector COOLING & WINTER on behalf of XXXX XXXX XXXXXXXX who also at one point had another debt collector that attempted to collect this debt without any form of verification. The record reflects numerous correspondence between all parties. There is evidence in abundance that support XXXX XXXX XXXXXXXX XXXX. acts and omissions are deceptive, abusive, and inconsistent with the Provision of Several Federal Statutes including but not limited to the FDCPA and or FCRA The Consumer has been denied extension of credit on several occasion which constitute actual damage. I have attached a copy of a notice dated XX/XX/23 that was sent to XXXX XXXX XXXX XXXXXXXX of my intentions to commence an action. Said notice sent is accompanied by a copy of the present case being litigated in a County Court on behalf of XXXX XXXX XXXX XXXX. by COOLING & WINTER LLC against the consumer
12/19/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30213	Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Cooling & Winter for committing identity theft. On XX/XX/2022 I checked my credit report and seen that a Charged-off was flagged on my credit report. I have never given COOLING & WINTER ANY permission to use any of my identifying information to commit fraud nor have I have done any business with them. I have never received any correspondence from COOLING & WINTER about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until COOLING & WINTER can provide me with sufficient documentary evidence, such as a trilateral contract that bears my signature, that I have any legal obligation to pay them. If this documentary evidence can not be produced and COOLING & WINTER continues its collection efforts, I will file for litigation for actual damages caused and COOLING & WINTER will be held criminally liable for aggravated identity theft pursuant 18 USC 1028A, extortion, theft by deception and securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account XXXX XXXX
06/13/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30045	Web
On XX/XX/XXXX, I began receiving notifications from various attorney 's seeking to represent me. The notices stated there was a possible garnishment against, for an account that had been paid and or charged off with the issuance of a XXXX. Prior to receiving the mail from the various attorneys, I had resolved the matter with this creditor over 6 years ago. I had not received any notices from an Attorney representing the credit card company no any notice from the company. So, these actions alone is a violation of the FDCPA. On XX/XX/XXXX, I reached out to XXXX County Magistrate Courts to get the details of the filing. They gave me a filing number XXXX. They provided me with the name of the Attorney who filed the case, XXXX XXXX of Cooling & Winter Law Firm. They stated a garnishment had been filed against me for a ruling dating back to XXXX. REALLY! In 6 years, I have never been contacted by either party and have been diligently working to repair my credit. Not to exclude, I had already resolved the matter with the credit card company and received a XXXX to be filed with the IRS. I am seeking to have this attorney disbarred. Seeking to have this garnishment reversed and any negative reporting REMOVED from my credit report immediately. I am seeking a letter from this firm acknowledging their wrongs and listing their actions to rectify the matter.
01/08/2018	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	GA 30058	Web
I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX. It was not signed by anyone, but stated that it was to collect a debt and that if I needed additional information, I should contact them. ( I did have a charged off account from XXXX XXXX XXXX in XX/XX/XXXX, which I tried to make arrangements to pay, but due to not having a job, they stated that I could not make payment arrangements because I could not show a source of income,,, even after I told them that most of the payments that had been made for the last 10 years of good payments were made while I did not have an employer. It was very frustrating to try to work out an arrangement and eventually failed, because I would not lie about income. ) The letter from C and W indicates a balance due of more than {$4000.00}, but the limit on that card was {$4000.00}. They state I should contact their office to make arrangements to pay the unpaid balance. ch The letter was dated XXXX XXXX, 2017 and they gave me 30 days to dispute the validity of the debt or any portion of the debt. It states that no attorney has evaluated or reviewed the circumstances of " my '' account, but that it is from a debt collector and an attempt to collect a debt. It is not signed by anyone, only Sincerely, Cooling and Winter. I not feel comfortable replying to or calling them. Is this a legitimate way to practice?
12/16/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30066	Web
I received a solicitation from an attorney offering to help me with my lawsuit and garnishment. I called to see why I received the letter and they said that XXXX XXXX XXXX XXXX XXXX XXXX XXXX had filed to garnish my wages and that they had a judgment. I looked online and found a summary judgement from XX/XX/XXXX that they renewed almost 7 years later before it expired. I had contacted them around XX/XX/XXXX due to an entry on my credit report for a collection account and never received a response. I have received no communication from them at all, but now that they have waited until this robofiled judgment has almost gone dormant, suddenly they want to pursue garnishment. I have n't even been served with it yet. I called and got nowhere. I know for a fact they were ordered to pay over {$3.00} million dollars to the civil fund in XX/XX/XXXX for the very practices they used in procuring my judgement. I want my judgment satisfied and my garnishment stopped. They are not a legal practice. They are debt collectors buying debt for pennies on the dollar and using their " law practice for consumer 's rights '' ruse to avoid direct oversight and using the courts to profit. They should not be able to be punished as XXXX XXXX XXXX and just change their name to the other two partners and keep on ruining lives.
12/27/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA XXXXX	Web
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018, I contacted Cooling and Winter Law office about a notice to collect a debt from XXXX XXXX. I final heard back from someone in the office after several days. I explained that my identity had been stolen in XX/XX/2017 and I could supply their office with copies of the police report and other items needed as the account in question was also not something that I had established. I sent the documents, as mentioned, via email and on XX/XX/2018, I received noticed from Cooling and Winter stating that XXXX XXXX could not substantiate my claim and they would move forward with garnishing my wages. I have since communicated with XXXX XXXX in the same format as I have with all businesses where accounts were fraudulently established. I have provided the proper documentation, as well. However, XXXX XXXX is adamant that I pay the debt created by some mystery person who has used by social security number, date of birth, address, phone number and more to establish services with XXXX XXXX, apartment communities, hospitals, and even utility companies. In addition, I was dealing with a bankruptcy at the time that the accounts were established. Any help to rectify this matter is greatly appreciated.
08/17/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	FL 33433	Web
I have been fighting with various names of this same collection agency for years. I have stated numerous times that I do n't even believe this debt to be correct, but have paid over the years because they obtained a judgement ( which I also challenged ). Most recently, I sent XXXX letters to XXXX XXXX and XXXX along with a payment and requested a break down of my account showing my payments and balance. They never responded. Instead, they rolled the account over to another name law firm which is really the same as theirs and they start all over again. The new firm is Cooling & Winter. I just saw they lost a law suit from CFPB for doing this sort of stuff. I am asking for an accounting of the payments I have made and a balance owed. I am also asking for a verification of the debt. Third, the judgement is nearly ten years old and I want to know if it is even enforceable since it was done in yet the name of a third law firm. They just pass the debt back and forth between their various sham firms. I have evidence that this debt was taken care of via a XXXX I was sent from the bank years ago but they do n't answer my complaints in this matter. I have written dozens of letters to them over the years and they fail to respond.
08/02/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 31548	Web	Servicemember
I am in the process of purchasing a house. When they did the title search they found 3 judgment against me that I have never had a clue about until XX/XX/XXXX. These are part of XXXX XXXX dollars settlement with XXXX XXXX XXXX, COOLING AND WINER. All 3 of these were Robo filed without my knowledge and I have never been served on any of the 3 cases. Cases : 1 ) XXXX, filed by XXXX XXXX XXXX for amount of XXXX with a judgment date of XX/XX/XXXX, then somehow it got transferred to Cooling & Winter without my knowledge. OnXX/XX/XXXX, I paid Cooling & Winer XXXX ; otherwise, I would not have been able to close escrow. 2. ) XXXX, filed by XXXX XXXX XXXX for the amount of XXXX with a judgment date of XX/XX/XXXX, then somehow it got transferred to Cooling & Winter without my knowledge. OnXX/XX/XXXX, I paid XXXX & XXXX XXXX ; otherwise, I would not have been able to close escrow. 3. XXXX, filed by XXXX XXXX XXXX for the amount of XXXX with a judgment date of XX/XX/XXXX, then somehow it got transferred to Cooling & Winter without my knowledge. OnXX/XX/XXXX, I paid Cooling & Winer XXXX ; otherwise, I would not have been able to close escrow. If you need any addtional information please contact me.
11/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 335XX	Web
Ex-Husband opened XXXX XXXX card in my name without my knowledge or consent in the amount of {$14000.00}. This was brought to my knowledge after reviewing my credit report. I immediately called XXXX and had the card in his hand turned off and asked for transaction history-there was only one transaction and it was a balance transfer from his XXXXXXXX XXXX XXXX XXXX Ex-Husband admitted this was his balance in court and the Judge ordered him to pay this ( court document was provided to XXXX and their lawyer ( collection company ) Cooling and Winters ). He also went to XXXX shortly after serving life for many reasons-one including held in contempt to not following judge 's orders. I disputed this on all credit bureaus which include XXXX etc. I even kept in touch with Cooling and Winters and XXXX at the same time in XXXX of 2023 and called ever 2 weeks, provided them judge documentation and a case number with the police department when I reported it fraud because this needed to be deleted off my credit report. The denied my fraud claim and said after 90 the investigation showed I would still be held responsible for this amount even after all the documentation that I provided.
08/27/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	XXXXX	Web
I demand that the lawyer named XXXX XXXX XXXX, of COOLING & WINTER LLC, to produce proper documentation for this claim. This lawyer is required, by law, to produce elements such as, but not limited to : the original agreement with XXXX XXXX XXXX, XXXX. with my signature. all of the receipts for every transaction that I engaged in during the entire life of the use of the credit card account ending in XXXX, with details of the purchase in each of those transactions. payment record during the entire life of the use of the credit card account ending in XXXX up to now. On XX/XX/2018, XXXX XXXX XXXX, XXXX. revealed to the Consumer Financial Protection Bureau ( CFPB ) that the credit card account ending in XXXX was transferred to COOLING & WINTER LLC. Yet the name of XXXX XXXX XXXX, XXXX. is printed on the case # : XXXX, filed in / registered by the MAGISTRATE COURT OF XXXX in the State of Georgia. My request for production is legal and all of it is required by law, in order for, the lawyer named XXXX XXXX XXXX, of COOLING & WINTER LLC, to properly enter the courtroom of the Honorable Judge XXXX XXXX, located at the MAGISTRATE COURT OF XXXX in the State of Georgia.
08/01/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30062	Web
I legitimately owed XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, money from an old XXXX XXXX XXXX purchase. I was served paperwork notifying me of a attempt to seek Judgment against me. Upon receipt I immediately PAID THE DEBT IN FULL. The payment date was XX/XX/XXXX. I paid with two money orders 1. ) {$1000.00} - Money order number XXXX. Was sent to XXXX XXXX XXXX attorney on XX/XX/XXXX and cashed by Attorney XXXX XXXX. XXXX on XX/XX/XXXX. XXXX. ) {$700.00} - Money order number XXXX. Was also sent to XXXX XXXX XXXX attorney and was cashed by Attorney XXXX XXXX. XXXX on XX/XX/XXXX. Those payments would have paid the account in FULL> Yet they continued to report to the credit agencies that the money was due and as of XX/XX/XXXX they STILL are reporting the funds due. Secondly they went to XXXX County Court and sought a Judgment against me, that Judgment was granted on XX/XX/XXXX. They claimed that I did not answer their complaint, another false statement as I answered the complaint and I PAID IN FULL prior to the date they state that I became in default. According to the Judgment I went into default on XX/XX/XXXX. I had paid in full on XX/XX/XXXX.
10/19/2016	Yes	Debt collection Credit card	False statements or representation Indicated committed crime not paying	FL 33179	Web	Servicemember
on XX/XX/2016, I received a call from a person by the name of Laniece Limpers from the law firm of Cooling and Winters, which is a principal partner of XXXX XXXX XXXX. According to XXXX XXXX, she represents XXXX XXXX XXXX and she was calling to negotiate on their behalf. Based on information provided to me by XXXX XXXX XXXX XXXX month prior to receiving the call from XXXX XXXX, I had a total debt of {$670.00}. As such, on XX/XX/2016, XXXX XXXX, who I assumed was representing XXXX XXXX, negotiated with me and agreed to accept {$300.00} as total payment, and according to her, the debt was settled. According to XXXX XXXX, the conversation was recorded and that she was going send me a confirmation letter in the mail within 24 hours. As of today, XX/XX/2016, I have not receive this letter. In addition, XXXX XXXX, has not return numerous phone messages that I left for her in her voice mail. I have sent a validated bank receipt of the transaction on XX/XX/XXXX which shows that Coolling and Winters Associate had withdrawn {$300.00} dollars out of my checking account to the XXXX major credit bureaus for them to investigate this matter, but to no avail.
02/11/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 30132	Web
I was sued for a debt owed to XXXX XXXX XXXX around XX/XX/XXXX for an amount of {$10000.00}. Through my lawyer, XXXX XXXX XXXX, XXXX, a settlement of {$6000.00} was reached. This amount was paid off on XX/XX/XXXX. On XX/XX/XXXX I was notified by my employer that my check would be garnished to pay off the remaining {$4400.00} to satisfy the {$10000.00}. My lawyer got involved once again as my checks were being garnished to pay off the debt. On XX/XX/XXXX the original settlement was honored, and the funds garnished would be coming back to me along with a note on my credit report of the debt paid off. This was pending I send a signed release form to Cooling & Winter, LLC. The form was signed and arrived at their receptionist on XX/XX/XXXX at XXXX. The credit report changes have been honored but my funds being returned have yet to be honored with no further communications returned from Cooling & Winter. The funds being returned as the pandemic hit was going to be a stress reliver for my family, but I continue to wait and wait. I am seeking that the {$4400.00} be sent to me.
07/02/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30252	Web
I was contacted by Cooling and Winter Law firm about a debt they claim I owed. The debt was XX/XX/XXXX in XXXX County court. I responded to the letter asking for verification because I had never heard of this law firm. I asked that they provide me with all original signed documents since they were a third party who I had never done any business with. They sent me screenshot of a judgment with no signature from the judge. They sent me two letters in the same envelope and they had different balances. These letters were dated XX/XX/XXXX with a balance of {$2700.00} and XX/XX/XXXX with a balance of {$1500.00} for the same debt. The statute of limitations had expired on this debt but was renewed by this money hungry Law Firm that I 've never had any dealing with. They have continued to write me letters and attempt to claim this debt without validating the debt. It 's unlawful to continue attempts to collect a debt without proving I owe the debt. I have also asked that they cease communication with me about this debt. I will attach the documents for you to review. Thanks
07/31/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30087	Web
Without notice bank accts I had my name on but not set up by me were emptied by " Legal Notice '' ( # XXXX ) - {$5400.00} from one and {$210.00} from the other on XX/XX/18 ( yesterday ). The Bank tells me Cooling and Winter LLC, XXXX Ga. got a judge to grant this apparent order to seize this money. I never heard of them .I do remember a co that harassed me yrs ago name XXXX XXXX XXXX XXXX XXXX GA ( the phone # is the same XXXX ) Who rep themselves as atty but are debt collectors ... ... https : //www.consumerfinance.govXXXX they are notorious for these abuses.You all know already. the debt is 10 yrs old .The original lenders closed out the default cards. There is supposed to be a statute of limitations I understand. how are judges signing off on this activity for a co that maneuvers like this ( Changing Names )? Dont I have rights too? I want to add the bank to complaint as well .Its not rt to authorize a liquidation of accts with other folks ' name on them to collect a over 10 yr old closed debt ... without any notification! Its criminal.
05/07/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	GA 30034	Web
To whom it may concern : I am bringing a complaint against XXXX XXXX. XXXX XXXX XXXX and Cooling and Winter Law firm acting as a debt collector. My debt was with XXXX XXXX. The debt was originally my mother 's debt but I took over the debt after her death on XX/XX/XXXX. XXXX XXXX XXXX filed a garnish judgement against me but I am Social Security. On XX/XX/XXXX, XXXX XXXX XXXX placed a XXXX XXXX XXXX XXXX upon the home I stay in which I did not have ownership of the said property until I filed a Quickclaim Deed on XX/XX/XXXX. Now I am in a bankruptcy and they want me to pay to remove the lien off the property. The tactics they used are deceptive and unethical. Now neither debt collector law firm won't even answer my calls, return my calls. nothing. Not knowing the lien was on the property was sufficient reasons for my denial of mortgage assistance and the lost of my home. I also notice that the debt collector law firm was under investigation in XX/XX/XXXX same time they were putting liens on property that people don't own.
08/16/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NC 28352	Web
Today I looked at my on-line check stub for payday this coming Friday, XX/XX/XXXX, and was very surprised to see a garnishment attached. I contacted my HR and was told that there was a garnishment by court order. HR then referred me to XXXX XXXX, XXXX. They in turn gave me a Case Number and referred me to the law firm of COOLING AND WINTER. This firm was rude, difficult and, hung up on me. I then called back to XXXX XXXX. This time, they told me that the garnishment was in relation to credit card debt with XXXX XXXX XXXX. I have not had a credit card with XXXX since early XXXX or somewhere in that time frame. I was never notified of any pending court action and thus had no way to refute any claims that were made. At the time that I got credit cards with XXXX, I was a resident of XXXX. In XXXX, the Statute of Limitations on credit card debt is 6 years ( OCGA 9-3-24 ). I am now a resident of XXXX XXXX and have been since XXXX. In XXXX XXXX, the Statute of Limitations is 3 years ( Civil Procedure 1-52.1 ).
10/29/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30033	Web
I was notified by court on XX/XX/XXXX to appear in XXXX XXXX COURT ON XX/XX/XXXX re : Garnishment filed on XX/XX/XXXX against me from Cooling & Winters Attorneys At Law. The judgement was from a creditor from XX/XX/XXXX. In XX/XX/XXXX it was handled by XXXX XXXX XXXX XXXX XXXX. A law firm that was sued her in GA for illegal practice Civil Action No. XXXX. This is basically the same firm with a different name. They have not proven I owe them any money/or that they can collect on a debt/hearsay owed. I was under a debit consolidation firm in XX/XX/XXXX which may have been in partnership with XXXX XXXX XXXX XXXX XXXX due to the fact they were also found to be fraudulent. I will be asking for validation of debit a Signatures or proof of contractual obligation to pay them. the are required by law to produce elements such as the original agreement account # & my signature. further more there is not a contract bewteen XXXX XXXX XXXX & myself. I will be going to court again tomorrow to fight this corruption.
11/24/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	FL XXXXX	Web	Older American
I was served a XXXX by Cooling and Winter dated XX/XX/2018 at my home by Process Servers. I answered the Summons well within the time frame allotted. I never heard back from Cooling and Winter after recording my answer with the XXXX County Clerk of Court. XXXX I visited a relative I had lived with briefly four years ago. He gave me what he thought was a stack of junk mail. However, within that stack were three separate envelops from Cooling and Winter. They included A Notice of Hearing for XX/XX/XXXX, a Summary Final Judgement and their original Motion for Summary Judgment. It is obvious this was done intentionally by Cooling and Winter. They knew my address when filing for a Summons and they had my phone number because I called them when I received the summons. They denied me my Constitutional right to defend myself at trial. And, the court, could they not see, since I wasn't there, that two addresses were used and if they used my relative address it should have been filed in a different County?
06/16/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30265	Web
This debt collection company who say they are lawyers have repeatedly tried to garnish my wages filing in different counties from where I live ... the first judgment was dismissed by XXXX County the county I live in due to fraud ... after that dismissal they then filed garnishment in XXXX county where I did not receive any notification of court proceedings until after it was apparently ruled in their favor my wages were garnished for a few months then I received notification that all garnishments would cease due to fraudulent filings then a year later I received garnishment proceedings from the county of XXXX to seize my property in the amount of {$7200.00} when the debt that was owed to Discover was only {$5000.00} ... this company is going from county to county to sue me and this isnt fair the debt owed is 6 years old and has been sold to 3 different debt collectors this company rudely calls anyone that is associated with me even after filing lawsuits with several county courts
10/04/2020	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 317XX	Web
On XX/XX/2020, I received a court notice stating the plaintiff, XXXX XXXX XXXX XXXX XXXX of XXXX, voluntarily dismissed the garnishment of my wages without prejudice. I then received another notice from the plaintiff on XX/XX/2020, that garnishment would resume. They failed to include the defendant 's claim form for me to formally reply to. I emailed Cooling and Winter on XX/XX/2020, and respectfully made them aware that I am seeking representation from the Attorney General 's office in regard to the class action lawsuit against XXXX for fraudulent loans. I did not receive any response to my email, yet they have already started garnishing my wages yet again for a vehicle that was REPOSSESSED MORE THAN 10 YEARS AGO! I received a letter from XXXX stating this account was bought by XXXX, whom I have never heard of or received any correspondence from. I will definitely be forwarding this complaint to the Georgia Attorney General as this seems fraudulent and scandalous.
08/02/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33126	Web
I received a debt collection notice from XXXX, a subsidiary of XXXX from its attorney, Cooling & Winter. I requested the following : Explain and show me how you calculated the entire amount of what you say I owe ; Provide me with copies of any and all account level documents that show I agreed to pay what you say I owe to include original signatures. Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; If you purchased this alleged account, identify the SELLER you purchased it from and ALL PREVIOUS OWNERS. Provide me with ANY documentation which establishes your legal standing to collect anything from me. I was not provided with what was purchased, how the balance was calculated, what interest rate was used, etc. in violation of the Consent Decree that was entered into by XXXX and the Consumer Financial Protection Bureau. I do n't know how these companies continue to conduct business by violating consumer protection laws.
08/27/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	GA 30127	Web
I received a letter stating a new debt collector was assigned this debt. the debt changed hands a couple of times, when i asked for proof of contract they often didn't respond and then I was notified by a new collection agency that they were collecting on this debt. when XXXX XXXX XXXX sent me a letter i asked them to validate the debt in response they sent me billing statements. I challenged them and asked for proof of contract and chain of title. When I asked for this they in return said I was being sued. This company misrepresented themselves, they presented as the debt collector and then they were also the attorneys for the company ( XXXX ). I am familiar that this company has had similar violations in the past and they cant be the debt collector and turn around and be the attorney too. I am also consulting with credit attorneys but i wanted to file a complaint as they are suing me and have violated the FDCPA.
05/10/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	GA 30008	Web
I was sued in 2014 for a debt that I owed XXXX XXXX. XXXX XXXX bought the debt and filed a suit against me and garnished my wages until the balance was paid in full. After paying this debt in full, I received more correspondence from XXXX XXXX as well as Cooling and Winters LLC. stating that I was being sued again for the same debt. I have spoken to both compnaies and XXXX XXXX refuses to speak to me about my account and told me they sold the account to Cooling & Winters after this account was satisfied. I contacted Cooling & Winters and they stated that they never received the money that was garnished from my paycheck and that this account could not be closed until it was satisfied. I am looking to sue both companies for constant harassment. This is affecting my daily job responsibikities as I have to take off of rom work to resolve this. I will attach a copy of my check stub showing the garnishment paid in full.
07/26/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	FL 335XX	Web
Many months ago I was contacted By " XXXX '' whom are taking actions by suing me for debts I can not pay. I had agreed to settle on a payment plan which was going well until I lost my job and was not able to continue to payment plan. I found out XXXX XXXX XXXX and XXXX were order to cease business operations due to unethical business practice. Being the only working provider in the household is quite hard to keep the lights on. I work XXXX jobs and ca n't afford to keep current on many other expenses that are coming due. I came to found out that " XXXX XXXX XXXX and Associates '' is now operating under " Cooling and Winter, LLC '' whom are now continue to sue me and threaten to seize/ garnish my wages and will continue to do so until I have nothing left. My wife and I have attempted to contact them regarding my situation and they still do not care of what financial troubles we are experiencing.
10/02/2018	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	SC 29680	Web
Cooling and Winter LLC have misrepresented themselves as XXXX XXXX XXXX and filed a lawsuit against me. The court date is XX/XX/2018. The amount charged off is XXXX. The case number is XXXX In the lawsuit Cooling and Winter LLC have listed themselves in the plaintiff section as " XXXX XXXX XXXX '' making it seem like XXXX XXXX XXXX is the one bringing the lawsuit against the defendant. Cooling and Winter is a 3rd party debt collector and should not mislead anyone to believe that they are acting on behalf of XXXX XXXX XXXX. In addition when meeting for the first hearing date on XX/XX/18 the attorney for Cooling and Winter XXXX XXXX identified himself as " I'm XXXX with XXXX XXXX XXXX ''. This company is not following the FDCPA and is acting illegally and must follow all collection guidelines and laws. They should be stopped as they are trying to deceive consumers and misleading them.
03/27/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	GA 302XX	Web
In XX/XX/XXXX, I received a letter from Cooling & Winter Attorneys about a debt that I do not owe them. I responded back to the letter within 30 days as requested. I asked for them to verify the debt and send me all original signed documents. They did not send me any documents with my signature. Instead they sent me a copy of some documents they got from the XXXX County court. The court documents show a total balance of {$2100.00} for all costs but Cooling & Winter document says the balance is {$2600.00}. The fair debt collection practices act says that a creditor must provide me with original documents if I request them. They must verify the debt before attempting to collect the debt. They are also in violation for trying to collect more than the original balance. This debt was disposed XX/XX/XXXX and they are still trying to collect on it.
05/20/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 22901	Web
I received a phone message today from some identifying himself as XXXX with Cooling and Winter law firm. He said to call him back and that it was a debt collection call. As I do n't have any debt in collections, I XXXX the firm name to see if this was a phone scam. The search showed a CFPB enforcement action against this law firm 's partners for deceptive collection practices. I pulled my credit report after the call to make sure there was nothing showing. I have a clean report and am current on all debt. I am unsure what to do as I do not want to return this call as I have no debt in arrears. However, given the tactics attributed to this firm I do not want false allegations of unpaid debt made against me and jeopardize a pristine credit history. Would appreciate any guidance on how to proceed. Thank you for your time and attention.
03/25/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	MS 394XX	Web	Servicemember
XXXX is the company I work for, sent a letter of garnishment from Cooling & Winter, LLc for XXXX. I pulled my credit report to see what was going on and I had XXXX out standing tax liens on the property I lived in before it was foreclosed. I called the tax office for the county and they informed me no tax owed. So I called company payroll to see if i could get a copy of the paper work they received to garnish my wages. I have a copy and it states I owe XXXX dollars. The total debt on my credit report does not add up to this amount including student loans. So this stinks of foul play. I called Cooling and Winters a week ago with my call back information and i have not heard from them. I need to know why is my pay being garnished, no debtors have sent me information about this debt for that amount and how do I get my money back.
03/18/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 30458	Web
In XX/XX/XXXX, I received ( on Cooling & Winter letterhead ) a dismissal of my civil action. After hearing nothing for a year, I receive today, XX/XX/XXXX, a notice of garnishment for {$910.00}. When I called, I was told that I still owed on this account even though I 1 ) received the dismissal a year ago and 2 ) hadn't been contacted in a year that yes, I did owe something. XXXX XXXX indicated they didn't have to let me know I owed anything. So, now during a pandemic, it was decided that this debt is due and not to send any notification of debt due, just go straight to garnishment. The attorney who filed suit is unreachable for the foreseeable future according to his voicemail. I'd like the garnishment to be paused while I 1 ) receive a complete accounting of my account and 2 ) if I do owe anything, a payment arrangement.
11/13/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30080	Web
On repeated occasions in late XXXX and early part of XX/XX/2019 legal representatives of Attorney law firm Cooling Winter ( http : //www.coolingwinter.comXXXX ) come to my home looking to collect for XXXX XXXX which does not reside at said residence and to cease. I advised them this and they continued to harass my household. The last straw was when a XXXX XXXX XXXX or acting representative tormented via questioning attics and forced a child in my household to take legal documentation that does not pertain again to anyone in this household. I emailed them to not contact us via phone, mail, or in person anymore for a debt that is not ours and not abiding by legal guidelines in place for fair collecting debts. Recently I was told by one of my neighbors that they have been scouting the area. I need this to stop.
12/04/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30213	Web
Please Help! XXXX XXXX has furnished a charge-off on my consumer file that does belongs to me. As stated before I never authorize this account. I have attached a copy of debt validation Exhibit A. Exhibit B a letter from XXXX XXXX stating that the account in question was taken over the phone or the internet. Exhibit C and FTC report, Exhibit D a letter from XXXX XXXX stating that they are closing the account. Exhibit E is a letter from XXXX XXXX stating that they will be forwarding my fraudulent application to their fraud department which they never did. Exhibit F is a cease and desist letter to XXXX XXXX which they continue to violate. XXXX XXXX just placed an account on my consumer file with the attempted to ruin my credit worthiness without being able to validate.
09/30/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	GA 317XX	Web
On XXXX XXXX, 2020, I received a court notice stating the plaintiff, XXXX XXXX XXXX XXXX Assignee of XXXX, voluntarily dismissed the garnishment of my wages without prejudice. I then received another notice from the plaintiff on XXXX XXXX, 2020, that garnishment would resume. They failed to include the defendant 's claim form for me to formally reply to. I emailed Cooling and Winter on XXXX XXXX, 2020, and respectfully made them aware that I am seeking representation from the Attorney General 's office in regard to the class action lawsuit against XXXX for fraudulent loans. I did not receive any response to my email, yet they have already started garnishing my wages yet again for a vehicle that was REPOSSESSED MORE THAN 10 YEARS AGO!
06/11/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web
In my two previous complaints I requested Cooling & Winter for some specific items and I was never provided with them nor was my request in those request were not responded to. I asked for contract with my signature on it and I was only provided with statements and a Bill of sale. That is not a complete validation of the alleged debt which is in violation of the FDPA. I also requested for all debt collection attempts cease and the lawsuit be dismissed against me and you guys failed to respond to that request. I am only being offered to discuss a payment plan. I am a recent XXXX XXXX and I am currently unemployed with no income coming in at this time which will not meet any requirements for a payment plan.
03/30/2023	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	GA 30252	Web
I received a garnishment letter XX/XX/XXXX. I contacted Cooling and winter because it stated it was for a XXXX XXXX card. I had agreed on an amount back in 2022 and made 4 payments to close the debt. Now they telling me I had 2 XXXX XXXX debts with their office. And no one told me that last year when I agreed to pay a reduced amount that I had 2 accounts. The account they had me pay did not have any judgements or ever been to court. They misrepresented what I was paying, when I finished paying I thought I was done. I feel scammed because they had me pay the wrong debt, knowing that the other debt had a judgement. I tried to reason with them today but no, pay the XXXX dollars or the garnishment will proceed.
08/10/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	GA 30506	Web
I have a judgement against me that was originally litigated by XXXX XXXX XXXX XXXX XXXX in 2011. The judgement on my credit report is for {$1200.00}. They are telling me I have over {$800.00} in court costs, and over {$200.00} in interest. The credit card was originally for {$750.00}. Even with 7 % interest, that would be the around {$1200.00}, not to mention if I had court costs that would have been awarded in the settlement amount to be paid. They are trying to charge me DOUBLE what my credit report states and the courts state that I owe. I feel this is a misrepresentation, and misleading practice and violation of FDCPA. There is no {$800.00} court cost, get real Cooling & Winter!
06/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30228	Web
A garnishment suit and was taken against me about a debt from XX/XX/XXXX to XXXX that I never knew anything about. An email do the suit was sent to me from my employer In early XX/XX/XXXX about wages being garnished on next pay check. Claim was taken out from Cooling & Winter LLC who claim that they couldnt give me much info because I obtained counsel from my employer which I nor my employer knew nothing about. To gain anymore info about the debt, I reached out to XXXX XXXX XXXX who gave me as much info as they could. Firm representative XXXX told me the debt was from XX/XX/XXXX and payments were made up until XXXX. The debt is almost 20 years old and I dont believe it to be mine.
07/16/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 31021	Web
Cooling and Winter neglected to seize collection activities on a debt that was disputed. ( See attachments per the FDCPA ) amongst other illegal practices. Mainly once I notified them that the debt was disputed the continued with collecting on a debt and today makes 60 days since since I first requested verification of the debt USING THE FDCPA letter on their website. To date I have NOT received the requested documents to validate for the debt. Also its clear you typed up that letter because I informed the CFPB that I never received notice. If your claiming I did then where is my signature from the certified letter. Again, you NEVER sent notice.
02/29/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30024	Web
I do not know Cooling and Winter LLC nor XXXX XXXX XXXX, XXXX XXXX XXXX. I requested them the proof of the debt, I owe to them. Instead of sending me the proof, they sent me forgery XXXX County court Record and moreover they attempt to steal mon ey from my bank account. Attached : 1. Original Writ of XXXX XXXX on XX/XX/XXXX 2. Forgery Writ of XXXX XXXX 3. Forgery Document Follow Up 4. Forgery Garnishment Filing 5. Cooling & Winter LLC Name was Reserved and Established on XX/XX/XXXX but Their name was in Writ of XXXX XXXX on XX/XX/XXXX 6. ID Theft Report 7. Request Proof of Owe : Certified Letters and was Delivered to Cooling & Winter
12/02/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA XXXXX	Web
On XX/XX/2021 Cooling and Winter place a claim with the Magistrate Court of XXXX XXXX for a debt that I have no knowledge of. They claim that I am breach of a written agreement. I never receive the initial demand letter giving me the ability to dispute te debt and request validation. I have not been present with a copy of the signed agreement. Per my right under the FDCP I am requesting a validation of debt. I requesting validation of debt by providing a copy of the signed agreement. If unable to provide the copy of the signed agreement within the alloted time provide under the FDCPA, the debt must be consider invalid.
05/09/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 30350	Web	Older American
In 2011 I mediated a credit card debt to XXXX and paid it in full. I am about to sell my house and was notified of a lien against my house as a result of " non payment. '' I have searched everywhere for a cancelled check, called XXXX XXXX XXXX to see if they could provide proof, to no avail. When I went on the Government website for XXXX XXXX in Georgia, I found the case number ( XXXX ) and it was listed as XXXX XXXX Bank vs. XXXX XXXX. The case was closed. Clearly, I paid the debt, but XXXX XXXX XXXX, Cooling and Winter will not release the lien. My house closes on XX/XX/XXXX. What do I do? Thank you, XXXX XXXX XXXX
06/21/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30076	Web
Cooling and Winter, Attorneys at Law, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone XXXX This law firm is trying to collect a debt which is not mine. They continue to send me letters representing XXXX XXXX XXXX. I actually have a credit card in Excellent standing with XXXX XXXX XXXX. It is current and I have a large credit line. Cooling and Winter has sent me a credit card application dated XXXX XXXX, XXXX that is a forgery. It does not contain my handwriting nor my signature. Clearly someone using my identity. Please have them cease and desist and clear this fraudulent account. XXXX XXXX
07/16/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 30350	Web
This is my second time I have to ask you for help. Cooling & Winter is not responding to any of my communication again letting me know what the pay-off balance is. I have called several times and asked them to call me. I have also e-mailed several time and again no response. Cooling and Winter LLC web payment site still shows that I owe over {$1200.00} even though I should be done making the payments ordered by the court. I am worried if I stop paying they will try to pull that I owe all the money because that seems to be there practice not responding and demanding full amount.
11/04/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30228	Web	Servicemember
In XXXX of XXXX a judgement was file against me by XXXX XXXX XXXX XXXX XXXX even though I was making month payments as agreed. I was told it was taken over by another company. They garnished my wages in XXXX and in XXXX I was told that I still owe them and the debt was transferred to Cooling and Winter. I have payed these people and they are still trying to collect an additional XXXX plus dollars. The order they initially filed I never received. I need papers showing this has been satisfied and they still saying I owe them for court cost and fees which keeps this acct opens.
03/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30135	Web
I have wrote a letter to the Cooling & Winter Law firm concerning a debt from 2008. I was paying XXXX XXXX XXXX XXXX. Paying XXXX for past few year prior to that is was another company. I do n't believe I still owe after all these years. I wrote a letter asking for a clear a statement showing all the money that has been applied. They have not responded 30 days ago. I pulled my credit fnot long ago it show that the was close in 2008 an still shows I owe XXXX. Which tells me this debt is not clearing up the balance on my report. Please help get this resolved.
08/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	SC 29707	Web
Cooling & Winter ATTORNEY AT LAW XXXX XXXX XXXX XXXX GA XXXX Is sending me collection letters to collect on a discharge debt. XXXX XXXX is the original creditor that keeps giving these collection companies my discharged debt. This is the 3rd collection company that has contacted me. I am tired of responding but I have to in order to keep them from Attacking my credit. XXXX XXXX also reported my debt as a charge off instead of a discharge although the account was never late before discharging. It seems XXXX keep selling my information
05/07/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30132	Web
XXXX XXXX was in XXXX at the time XXXX XXXX account was opened. Cooling and Winter Attorney have the debt and a judgement was placed on me. I sent verification showing date and time I had to self surrender to XXXX XXXX XXXX in Alabama. I also submitted a police report stating I was a victim of identity theft. I also submitted a signed affidavit stating I am a victim of identity theft. Lastly I submitted verification showing when I returned home from prison. This company refuses to remove this fraudulent account and the judgment placed on me.
01/23/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30078	Web
On XX/XX/17 I sent a letter certified mail # ( XXXX ) for Validation of debt. I requested that Cooling and Winter all from below. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Winter and Cooling have not complied to this request in its entirely.
10/29/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 315XX	Web
Cooling and Winter LLC Sent me a letter that belonged to someone else. They put this persons first and last name, their amount owed, and to whom they owe it. I can only assume that this person received my paperwork. This is very upsettting because they are leaking PERSONAL, PRIVATE information. I have been nothing but cooperative with them but feel they are sompletely incapable of handling this paperwork. This is very personal information that they are sending out and now someone has information about my personal finances.
03/15/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	GA 30096	Web
This law firm has not contacted me via email, mail, nor telephone in reference to my credit card debt. However I am receiving letters from other law firms to defend me in reference to a lawsuit filed against me from this law firm that I did n't know exist. This is a scary yet unprofessional matter!! I 've tried to contact this company several times and I 'm getting nowhere. This is a matter I would like to resolve professionally before it gets outs of hand ... This law firm is unpredictable and very shady..
10/18/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30135	Web
A debt collection agency named Cooling and Winter LLC placed a hold on our accounts and states they have a judgment against us from 2 years ago. We did not receive notice of the judgment and we have not received notification of a garnishment, however, all of our account including my joint account with my wife have been frozen as of XX/XX/2022 and they have drained the money out of these accounts. We do not have money to pay our bills and the payments that have been sent out are being returned as XXXX.
12/27/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	GA 30034	Web
I received letter last week from Cooling and Winter a law firm which states they do n't have any attorney personally evaluating my account however XXXX is stating I had a credit card with XXXX Bank in the amount of {$830.00} in which a bill was going to an address where I never lived in XXXX XXXX. They asked me a few questions and unfortunately I did give my social number however my wife noticed there were charges in XXXX on the credit card and they had a DOB which was not mine.
04/04/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30022	Web	Servicemember
I have a debt with XXXX XXXX. I had my credit ran to see my debt to attempt to clean it up. After seeing my debt I started cleaning it up. Suddenly I received a certified letter ( XX/XX/2023 ) from Cooling & Winter about a garnishment lawsuit that has been filed in behalf of XXXX XXXX. I made the call this morning ( XX/XX/2023 ) to explain Ive been trying to reach XXXX XXXX within the last 2 weeks to make some payment arrangements but, no return call as of yet.
09/23/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	GA 316XX	Web
XXXX XXXX XXXX XXXX XXXX filed for garnishment of my wages and my company was served on XXXX XXXX XXXX. Full payment was made on XX/XX/XXXX to XXXX County Superior Court. As of XX/XX/XXXX Cooling & Winter LLc has not requested the funds from the court. Full payment was made to the court and they still have the money because Cooling & Winter has not requested dispersment. Item is still showing on my credit as open and is greatly affecting my credit score.
07/09/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	GA 30076	Web
My wages are being garnished without notice! I did not receive any notification of a lawsuit against myself, so I could not dispute it or reply to this lawsuit. Now my wages are being garnished leaving me unable to provide for my child, pay rent, and financially unable to live. I will have no choice but to file for bankruptcy! I plan on seeking legal action as well due to the lack of communication and non-notification of this matter!
11/29/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30518	Web
XXXX XXXX XXXX, XXXX has filed a lawsuit against me for a debt that I do not have or owe for card XXXX. I have made several attempts to resolve this. Including filing disputes with the company and the credit bureaus, but the company continues to assert that the debt belongs to me. The debt belongs to a different XXXX XXXX, but they have attached the debt to my profile and my social security number.
07/03/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 31525	Web
cooling & winter case number XXXX my name is XXXX XXXX. I was sent to court by this company back in XXXX. at later time I disputed the collection through the credit bureaus since the account did not belong to me. the account was open as a result of identity theft. The debt was removed from my report and now the same company came after me trying to garnished my wages for a total amount of {$560.00}.
04/05/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	FL 33426	Web
Credit card was placed intodebt dispute, during the process of dispute XXXX Law firm issued a suit, We sent in a settlement check which was cashed by the XXXX law firm, we are now receiving further suit threats via Cooling & Winter a law firm who apprently now has taken over this account. We sent XXXX firms faxes with the canceled check and furhter letters of suit are still arriving
02/25/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	SC 29229	Web
Hello I have a question so this attorney name cooling & winter is suing me for credit card debt for XXXX XXXX XXXX when I ask them can I handle this out of court I never received an response I have court in XX/XX/XXXX and I have no money Im stuck in New Jersey at the moment an Im not sure of what to do and they never notified me they was sending me letters no calls no nothing
01/19/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30039	Web	Servicemember
I have been making payments to this company for n old debt even through the recent pandemic and the interest said attached to this debt is wrong. They have unfairly attached an interest rate that exceeded original amount with the company whom they purchased the debt from. This debt should have been satisfied if the unfair interest charged had not been assessed accordingly.
06/21/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	FL 33032	Web
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 )
05/29/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 31520	Web
Cooling and Winter is trying to collect a debt which is not mines ; which is also pass the STATUTES OF LIMITATIONS ; Open Accounts : 4 years O.C.G.A. 9-3-25. All of their reps that I have tried to communicate with was very unethical. Cooling and Winter refuse to send any written signed contacts or any verifying data about this fraudulent account.
09/16/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 307XX	Web
got judgement from me by check garnishment from my job. thought it was paid in full. not heard from them in 9 months all of a sudden my bank account has been drained no contact from them in any way shape or form. now my bank account is frozen and i have no money to cover my bills and no warnings once so ever.
06/04/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	GA 30135	Web
Card was opened with XXXX XXXX without my knowledge I've asked them to do an investigation, I've sent all the proper documents to them now they have transferred the account to Cooling & Winter in the of amount for XXXX because they can not verify the information to me
01/20/2018	Yes	Debt collection Credit card debt	False statements or representation Told you not to respond to a lawsuit they filed against you	GA 30274	Web
In XX/XX/XXXX, attempted to reach out to company that was reporting a closed account debt. Company has called my place of employment and personal phone. I sent certified letter asking company to validate debt, but only received copies of credit card statements.
06/17/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30087	Web
Tried to reach Cooling and Winter attorneys at law in XXXX, GA for a judgement for garnishment filed in a county that I do not reside in and sent to an address that I haven't ever resided at. This debt is not owned by me or owed.
10/28/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30291	Web
I dont owe this company anything I dont no them never had a contract with this company first off I am homeless I am poor why are they bothering me I dont no them can they leave me alone
08/28/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 28054	Web
I NO NOTHING OF THIS COMPANY NEVER HAD A CONTRACT OR ANYTHING WITH THIS COMPANY I DIDNT RECIEVE DEBT VALIDATION VIA EMAIL OR USPS MAIL I NO NOTHING OF THIS COMPANY
05/06/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MS 394XX	Web	Servicemember
I submitted a complaint against this company case number XXXX the garnishment was stated to be with drawn by them and it is still in place.
09/06/2016	Yes	Debt collection Mortgage	Communication tactics Threatened to take legal action	GA 30102	Web	Older American
Account handled by XXXX XXXX XXXX now turned over to new attorney - Cooling & Winter. Never received debt information from XXXX.
12/07/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	GA 31602	Web
They have been notified that I receive student loans and they are trying to garnish my student loans.
04/24/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 306XX	Web
Cooling & Winters sued us for a debt that was past the statute of limitations. They ripped us off!
02/06/2024	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	GA 30047	Web

01/11/2024	Yes	Debt collection Credit card debt	Electronic communications You told them to stop contacting you, but they keep trying	GA XXXXX	Web

12/14/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	GA 30058	Web

10/24/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	GA 30034	Web

10/09/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NC 28532	Web	Servicemember

09/18/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30043	Web

08/24/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30034	Web

07/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30328	Web

05/18/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30044	Postal mail

05/12/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 30238	Web

03/19/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33916	Web

03/18/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33916	Web

02/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30316	Web

01/07/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30906	Web

11/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32224	Web

10/15/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	MS 39272	Web

08/23/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NH 03820	Web

06/29/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30274	Web

04/19/2022	Yes	Debt collection Credit card debt	False statements or representation Told you not to respond to a lawsuit they filed against you	FL 33482	Phone	Older American

01/15/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30030	Web

09/02/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	FL 33064	Web

08/10/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30518	Web

07/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30017	Web

06/30/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30518	Web

06/10/2021	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	GA 30022	Web	Servicemember

05/18/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30043	Web

04/20/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30004	Web

04/02/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30043	Web

03/30/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30005	Referral

03/25/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30024	Web

02/24/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30043	Web

02/19/2021	Yes	Debt collection Credit card debt	False statements or representation Told you not to respond to a lawsuit they filed against you	FL 32626	Web

02/16/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30024	Web

02/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30096	Web

02/06/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30097	Web

02/01/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30097	Web

12/22/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30096	Web

12/21/2020	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	GA 30047	Web

11/16/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33311	Web

09/21/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33907	Web

07/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 31816	Phone	Older American, Servicemember

06/16/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	SC 29376	Web	Servicemember

05/24/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 30034	Web

05/08/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30144	Phone	Older American

02/26/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30024	Web

02/06/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt		Phone	Servicemember

01/23/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CO 80012	Phone

12/17/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30236	Postal mail

10/22/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	SC 29841	Web	Servicemember

10/21/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	GA 30060	Web

09/19/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 31313	Phone	Servicemember

06/13/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30135	Web

05/13/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30161	Web

03/26/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	GA 30066	Web

03/21/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30253	Referral

03/11/2019	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	GA 30506	Web

01/28/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed		Phone

11/29/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	GA 31503	Web

11/16/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	GA 30045	Web

11/12/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 30458	Web

11/10/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 31406	Web	Servicemember

10/17/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30087	Web

09/25/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30062	Postal mail

07/24/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 31087	Referral

07/01/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 31027	Web

04/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 30071	Web

04/02/2018	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30107	Postal mail

03/25/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30310	Web

03/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30096	Postal mail

02/13/2018	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 33063	Web

10/31/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30291	Web

10/04/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30263	Fax

07/20/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 30328	Web

07/07/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30213	Web

07/05/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30233	Web

05/22/2017	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	GA 30619	Web

05/02/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30074	Web

04/12/2017	Yes	Credit card	Other	GA 30094	Web

04/10/2017	Yes	Credit reporting	Incorrect information on credit report Account status	GA 30308	Referral

03/24/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	GA 31419	Postal mail

03/15/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	GA 30096	Web

03/14/2017	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount		Phone

03/06/2017	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	GA 31021	Web

02/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	GA 30655	Postal mail

12/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 32571	Web

11/13/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 34772	Web

10/25/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	GA 30906	Web

10/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 34266	Web

09/24/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	GA 30157	Web

09/15/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	XXXXX	Web

09/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 34769	Referral

09/07/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	GA 31211	Web

08/17/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30277	Referral

08/12/2016	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	FL 34758	Web

08/10/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NC 28311	Web

08/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	FL 34239	Postal mail

07/08/2016	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	GA 31210	Web

06/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	GA 30344	Web

06/16/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	GA 30349	Fax

06/15/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	GA 30577	Web

05/24/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	GA 30904	Postal mail

05/11/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	GA 30114	Web

05/03/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	GA 31522	Web

04/28/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 30064	Referral

04/19/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	GA 30215	Web	Older American, Servicemember

04/13/2016	Yes	Debt collection Credit card	False statements or representation Indicated committed crime not paying	FL 33326	Web

03/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 31021	Referral

03/24/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	FL 33993	Referral

03/04/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	FL 32701	Web