Consumer complaint received 2020-02-08
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
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.

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