Consumer complaint received 2018-03-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cooling & Winter LLC (GA)

XX/XX/XXXX I replied to a notice received from XXXX Cooling & Winter XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX toll-free XXXX in regards to a debt they apparently BOUGHT. My letter was sent certified and signed by XXXX XXXX on XX/XX/XXXX. In my reply, I ask clearly stated for Validation ( Signature ) " Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. The purpose of this document is to notify you that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named XXXX XXXX XXXX. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have XXXX or ever had XXXX some contractual obligation to pay XXXX you XXXX Cooling & Winter. I also included a Debt Collector Declaration for Cooling and Winter to provide and I clearly stated that their claim can not and will not be considered if any portion of the form was not completed and returned with the information requested. Again clarifying a request for validation made pursuant to the Fair Debt Collection Practices Act. Another letter was dated XX/XX/XXXX, sent for to Cooling and Winter certified and signed by XXXX XXXX ( via Certified XXXX dated XX/XX/XXXX ) stating that they had FAILED to provide validation ( signature ) as requested in my earlier letter and FAILED to return the documentation ( Debt Collector Declaration for Cooling and Winter ) for review. Cooling and Winter provided bill printout but failed to provide VALIDATION ( signature ) I have notified Cooling & Winter " As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I had also asked " In absence of providing any alleged contract or other instrument bearing my signature, I request that you CEASE and DESIST in your efforts to collect '' Recently I received a letter postage dated XX/XX/XXXX still failing to provide VALIDATION ( validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation ) not any printouts. At this point and time I would like for Cooling and Winter to understand By not replying in a timely manner to my initial letter on XX/XX/XXXX ( Signed by XXXX XXXX on XX/XX/XXXX XXXX you have not only violated federal and state laws, but, and yet and again, you have repeatedly failed to provide me with a copy of any viable evidence, bearing my SIGNATURE. I ask that Cooling and Winter CEASE and DESIST ALL COLLECTIONS ACTION IMMEDIATELY. 
I am exercising my rights Under the provisions of Public laws 95 109 and 99 361, known collectively as the Fair Debt Collections Practices Act ( FDCPA ) I formally notify you to cease all communications with me in regards to this alleged debt or any other debts that you allege I owe.This is an attempt to make a collection agency obey the law.