Brew coffee. Chill in the refrigerator for 15 minutes or overnight.
In a bowl, whisk the heavy cream until stiff peaks form.
Put ice, cooled coffee, milk (or half & half), pumpkin puree, pumpkin spice, sugar, and vanilla into a blender. Mix on high until smooth. Add more sugar to taste if needed.
Pour into glasses. Top with whipped cream.
In a bowl, mix together the cream cheese, garlic powder, and scallions until fully combined. Season with salt and pepper to taste. Then spread it onto both halves of the bagel. Close the 2 halves together and cut them in half.