Cooling & Winter LLC – CFPB Complaint 2018-10-05

Date Received: 2018-10-05

Product: Credit card debt

Issue: Took or threatened to take negative or legal action

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: 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.

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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.

Company: Cooling & Winter LLC

State/Zip: GA 300XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3038338

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