Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cooling & Winter LLC (GA)

In response to Complaint # : XXXX My name is XXXX XXXX XXXX an agent for principal XXXX XXXX XXXX a federally protected consumer, holder in due course, and attorney in fact and I am making this complaint against Cooling & Winter LLC for violating a cease-and-desist notice they received on XX/XX/2022. These abusive, deceptive, and unfair debt collection practices have brought severe XXXX  and XXXX. 
Cooling & Winter, LLC stated, Our office, Cooling & Winter LLC, has been retained by XXXX  XXXX, N.A. to recover the unpaid balance of your credit account ending in XXXX. 
I would like to know whats the status of this account and if a 1099-C was filed for this account. 
Cooling & Winter, LLC also stated, Please note that we do not own your debt and we are not your creditor. Rather, we are a law firm representing the interests of our client, XXXX XXXX, XXXX, in this matter. I am aware that Cooling & Winter, LLC is an unauthorized third party to this matter. I never contracted with Cooling & Winter, LLC and they have no lawful authority to be in possession of my identifying information. I also want to make clear that Cooling & Winters, LLC have no actual knowledge of the matter at hand. They are strictly acting off hearsay. 
We are working with our client to gather documentation responsive to your request and will forward to you in the mail upon receipt. This is proof that Cooling & Winter LLC is moving strictly off hearsay. Cooling & Winters, LLC was not in possession of any substantiating evidence to lay claim to this alleged debt prior to contacting me about it. Im sure the documentation being gathered by Cooling & Winters, LLC will include, at the bare minimum, the original instrument of indebtedness in its original form and the accounting for credit account ending in XXXX in order to lay any lawful claim to this alleged debt. 
Cooling & Winter, LLC stated, We have reviewed our file and have not found any evidence of fraud, deception, or legal violations, therefore we dispute your allegations against us. This misunderstanding can be easily clarified by providing the documentary evidence requested above. If your client can not or is unwilling to produce substantiating documentary evidence showing to who the alleged debt is owed and from whom the alleged debt is owed, they have no lawful claim of this alleged debt. Statements/proof of address are not proof. If your client, XXXX XXXX, XXXX. chooses not to produce this documentary evidence, I will thereafter consider the matter between us to have been legally and financially settled. If the requested information is not provided and Cooling & Winter, LLC continues its collection efforts, Cooling & Winter, LLC shall be held criminally liable for collection of extensions of credit by extortionate means. 
I would also like to note if there is any attempt to furnish any negative or adverse information to any credit reporting agencies, Cooling & Winter LLC shall be held criminally liable for aggravated identity theft. 
I would also like the name and address of your bonding agent in the case I need to file a suit in Federal Court in case any further unlawful extortionate means are taken by Cooling & Winter LLC.