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Cooling & Winter LLC – CFPB Complaint

By on September 12, 2018
Consumer Complaint Submission

Date Received: 2018-08-26T00:00:00

Product: Credit card debt

Issue: Took or threatened to take negative or legal action

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: 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.

READ  BANK OF AMERICA, NATIONAL ASSOCIATION - CFPB Complaint

Regards XXXX XXXX

Company: Cooling & Winter LLC

State/Zip:

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3002304

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.

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