Consumer complaint received 2017-12-06
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
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?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation