Consumer complaint received 2019-06-30
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:
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.

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