Consumer complaint received 2018-07-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cooling & Winter LLC (GA)

I have sent previous concerns regarding my dealings with Cooling and Winters and XXXX  XXXX XXXX, since C & W has basically stated that they are representing XXXX XXXXXXXX XXXX, I am making mention of both companies. 
I am aware that C & W was previously ; successfully sued for their handling of law suits. This information may not assist me in my current case # XXXX, but I hope that it can be of use if others are experiencing the same type of issues. 
I have called on several occasions prior to my original court date and asked for the attorney indicated on my original letter, but each time I call, I dont get through to him. Instead, I am immediately sent to a department which an attorney I contacted stated was most likely just agents hired to make payment plans. 
I was attempting to contact the attorney, prior to our court date, to get my concerns answered and memorialized in writing. Also, its ironic how C & W would send a letter basically stating that they have been given permission from XXXX to negotiate the terms of the debt which is what I requested from XXXX   long before it got to this point. XXXX s representatives stated that they couldnt do a financial assessment because I was unemployed. Im still unemployed, yet they give C & W the authority to do what they werent willing to do. Nevertheless, A few, but not all, of the times I called were : XX/XX/18 @ XXXX XXXX XXXX transeded me to someone whose answering machine I couldnt understand. I left a message for a return call. XX/XX/18 @ XXXX XXXX XXXX transferred me to someone I think said his name was XXXX on the answering machine. I left a message for a return call. 
XX/XX/18 @ XXXX XXXX XXXX transferred me to XXXX XXXX. I left a message for a return call. XX/XX/18 @ XXXX XXXX transferred me to XXXX XXXX. I left another message for a return call. XX/XX/18 @ XXXX asked for extension XXXX for XXXX XXXX. I didnt leave a message because none of the others had been returned. I called back @ XXXX and XXXX XXXX stated they were out to lunch and will have someone call me when they return. I called back and spoke with anther rep who told me that the representatives for XXXX XXXX XXXX were short staffed that day. Based on the issues I was having, Im thinking they are short staffed every day. 
I actually showed up for court because I couldnt get in touch with anyone beforehand. After arriving for the court date I saw someone sitting outside while waiting to go into the courtroom. After speaking with him I found out that he was representing C & W. He never did give me a card or his name before or after the conversation, so I dont know who it was. After our discussion, a continuance was requested for this case, and I was told to contact one of their representatives. After arriving home and looking over the paper he handed me. The paper he handed me thanked me for agreeing to resolve this matter in court today, and to please include my file number with my payment. On the paper he had written two options to choose from as a form of settlementnothing was signed or agreed upon. The case is still pending. 

As I stated in my answer, I need proof that C & W owns the debt. Although I requested this information in my answer, I have yet to receive proof, only copies of statements mailed to me the problem is, I also have a letter from another debt agency asking for payment of this same debt and all they sent me as proof was the same statements I still have no memorialized proof of who owns it. 
I was speaking with an attorney about this and he stated that Ga law specifies that there should be a Bill of assignment. Each assignment should show who had and released ownership to where it is now. I respectfully request competent evidence from C & W of who owns the debt, as required by Fair Debt Collection Practices. 

Hopefully these issues will be addressed when we go back to court.