Complaints
Customer Complaints Summary
- 172 total complaints in the last 3 years.
- 64 complaints closed in the last 12 months.
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Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:04/21/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Dear ***************************,I am writing in response to your recent correspondence regarding Creditor Account #: ******** and CYI Account #: ************* I do not accept responsibility for ownership of this debt, I am willing to reach a compromise. I would like to propose a settlement amount in exchange for your written agreement to the following terms:1. You agree to accept this payment as full satisfaction of the debt upon receipt of the agreed-upon amount.2. You agree not to report this debt as a paid collection or a settled account.3. You agree to completely remove all references to this account from the credit reporting agencies (*******, **********, and Experian) where you have reported and validated this account.I am prepared to pay $140.92 in exchange for your agreement to the terms outlined above within fifteen calendar days of receiving this payment. Please understand that this is not a promise to pay; rather, it is a restricted settlement offer that requires your acceptance of the terms for payment to be made.If you accept this offer, please send a signed agreement containing the aforementioned terms from an authorized representative on your company letterhead. Once I receive this agreement, I will make the payment of $140.92 via money order.If I do not receive your response to this offer within fifteen calendar days, I will rescind this offer, and it will no longer be valid.I look forward to resolving this matter promptly.Customer Answer
Date: 04/22/2025
This complaint has been submitted by me. The wording is a sample available to the public.
Business Response
Date: 04/22/2025
We are in receipt of the consumers complaint and have reviewed the relevant information contained therein.
We maintain the position that the BBB is not the forum with which to negotiate or discuss a consumer's personal business. The consumer is encouraged to contact our office directly, and well be happy to help.
Sincerely,
Carter-Young, Inc.
(O) ************
Email: ***********************************************************
Address: *****************************
This communication is from a debt collector.Customer Answer
Date: 04/22/2025
Complaint: 23233725
I am rejecting this response because I have sent three emails to Carter Young ***** as the attachments show. The business has not replied to my emails.
Sincerely,
****** ******Business Response
Date: 04/22/2025
To reject our response is certainly the consumer's privilege.
Please convey to the consumer that we stand ready to discuss an amiable solution. Perhaps consider calling us.
Sincerely,
Carter-Young, Inc.
(O) ************
Email: ***********************************************************
Address: *****************************
This communication is from a debt collector.Customer Answer
Date: 04/22/2025
Complaint: 23233725
I am rejecting this response because emails were sent today to the business's provided address, yet Carter Young has failed to respond. The only communication I have received has come through the BBB, which is simply unacceptable.:
Sincerely,
****** ******Initial Complaint
Date:04/15/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am not liable with this debt with Yugo Flagstaff Grove, I do not have a contract with ***************************, they did not provide me with the original contract as I requested.Customer Answer
Date: 04/15/2025
This is ******** *********, I as the correspondent submitted the complaint. I have added an attachment that was an email sent to me from, CARTER-YOUNG, INC. I am not liable for the debt with YUGO FLAGSTAFF GROVE, I do not have a contract with CARTER-YOUNG, INC.Business Response
Date: 04/18/2025
We are in receipt of the consumers complaint, and will review the relevant information contained therein, conduct a reasonable investigation and report our findings to the consumers contact information as provided in this complaint. Should the consumer have any questions, they are welcome to contact our office directly, and well be happy to help.
Sincerely,
Carter-Young, Inc.
(O) ************
Email: ***********************************************************
Address: *****************************
This communication is from a debt collector.Initial Complaint
Date:04/07/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am writing to formally file a complaint regarding an inaccurate and fraudulent account being reported on my credit profile. I recently discovered that an account with ******************** is listed on my credit report. I have no knowledge of this account, and I can confirm that I have never conducted any business with Carter-Young, Inc. nor have I authorized them to access my personal or financial information.Customer Answer
Date: 04/08/2025
The complaint submitted to the Better Business Bureau (BBB) regarding the issue with my credit report was submitted by me directly, and not by any third party.
I have recently reviewed the status of my complaint and would like to confirm that I am the primary individual involved in this matter. Any communications or complaints regarding the issue with the inaccuracies on my credit report should be treated as coming directly from me and not from a third party.Business Response
Date: 04/09/2025
We are in receipt of the consumers complaint, and will review the relevant information contained therein, conduct a reasonable investigation and report our findings to the consumers contact information as provided in this complaint. Should the consumer have any questions, they are welcome to contact our office directly, and well be happy to help.
Sincerely,
Carter-Young, Inc.
(O) ************
Email: ***********************************************************
Address: *****************************
This communication is from a debt collector.Initial Complaint
Date:03/24/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am disputing an invalid account reported by **************************** on my credit report. This account is inaccurate, unverified, and violates the Fair Credit Reporting Act (FCRA). Since it does not meet the legal standards for reporting, I request its immediate removal. If the furnisher cannot provide proper validation, it must be deleted per federal law.Customer Answer
Date: 03/24/2025
Hello,
This complaint was not from a third party, this was sent by myself as an individual.
Business Response
Date: 03/26/2025
We are in receipt of the consumers complaint, and will review the relevant information contained therein, conduct a reasonable investigation and report our findings to the consumers contact information as provided in this complaint. Should the consumer have any questions, they are welcome to contact our office directly, and well be happy to help.
Sincerely,
Carter-Young, Inc.
(O) ************
Email: ***********************************************************
Address: *****************************
This communication is from a debt collector.Initial Complaint
Date:03/21/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Complaint Against: Carter-Young, Inc.Nature of Complaint: Attempted Collection of Unnotified and Unverified Charge To Whom It May Concern,I am filing this complaint against Carter-Young, Inc. regarding their attempt to collect a debt of $312.50 that I was never notified about by the original creditor, ***** Student ********** lease with ***** Student Village ended in December 2022. I received no communication from ********** during or after my leaseregarding any outstanding charges. There were no letters, emails, or phone calls informing me of a balance due. The first and only notification I received was from Carter-Young, Inc., more than six months after my lease had concluded in the state of Texas.Upon contacting Carter-Young, Inc., I requested a full investigation into the charge, including formal documentation and validation from the original creditor. Rather than properly investigating they only provided a breakdown of the alleged balance. They have continued to pursue collection efforts without resolving the matter or substantiating the debt and refused to respond to me multiple times.I consider this a violation of fair debt collection practices. I was never notified of the charge in a timely or appropriate manner within the state of *****, and I will not pay for a debt that was never disclosed to me by the original business.I request that the Better Business Bureau investigate this issue and that Carter-Young, Inc. halt all collection activities until proper documentation is provided and the charge is formally validated.Sincerely,****** *******Customer Answer
Date: 03/21/2025
I did not authorize any third party to file this complaint. I wrote and submitted it myself as the consumer directly affected.Business Response
Date: 03/28/2025
With the consumer's assistance, we have completed our investigation and have reported our findings to the consumers contact information as provided in this complaint. We have appropriately responded and satisfied our compliance obligation in this matter.
We consider this matter resolved and trust that the outcome is to the consumer's satisfaction.
Should the consumer have any questions, they are welcome to contact our office directly, and well be happy to help.
Sincerely,
Carter-Young, Inc.
(O)************
Email: ***********************************************************
Address: *****************************
This communication is from a debt collector.Initial Complaint
Date:03/04/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
CARTER YOUNG *** is falsely reporting on my credit. I have never had any accounts with them. Per my research CARTER YOUNG *** is a debt collector. They are falsely reporting to my credit!Account #** are falsely reporting to my credit file and are against my rights and fair credit act. Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports; you are in violation. I have attached the definition so you can see the violation! (a)Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless(1)it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure (A) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested I request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature with ***** ******. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. If nothing is done, I will be seeking ***** USD per violation from ***** ******.****** ***** last 4 social 8551 DOB **********Customer Answer
Date: 03/04/2025
No this is me. ****** ***** *** I am filing my complaint independently and have no one speaking for me.Customer Answer
Date: 03/04/2025
No this is me. ****** ***** *** I am filing my complaint independently and have no one speaking for me.Business Response
Date: 04/04/2025
We are in receipt of the consumers complaint and will review the relevant information contained therein. Should the consumer have any questions, they are welcome to contact our office directly, and well be happy to help.
Sincerely,
Carter-Young, Inc.
(O) ************
Email: ***********************************************************
Address: *****************************
This communication is from a debt collector.Initial Complaint
Date:01/28/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am not liable for this debt with IP WEST FAYETTEVILLE. I do not have a contract with ***************************, they did not provide me with the original contract as I requested.Customer Answer
Date: 01/28/2025
I am writing to formally dispute the claim of a debt owed to ********************, as I do not owe any debt to this entity. Additionally, I have not signed any contract or agreement with ****************************, and therefore, I am requesting that any related information or accounts associated with this be removed from my credit report immediately.Business Response
Date: 01/31/2025
We are in receipt of the consumers complaint, and will review the relevant information contained therein, conduct a reasonable investigation and report our findings to the consumers contact information as provided in this complaint. Should the consumer have any questions, they are welcome to contact our office directly, and well be happy to help.
Sincerely,
Carter-Young, Inc.
(O) ************
Email: ***********************************************************
Address: *****************************
This communication is from a debt collector.Customer Answer
Date: 02/06/2025
Complaint: 22866625
I am rejecting this response because:
I have never signed a contract saying I owe this debt with you. I have no business with ***************************
Sincerely,
******** *****Business Response
Date: 02/07/2025
To reject our response is certainly the consumer's privilege. We fully intend to satisfy our compliance obligation in this matter by conducting a reasonable investigation and report our findings to the consumers contact information as provided in this complaint.
Please convey to the consumer that we stand ready to discuss an amiable solution.
Sincerely,
Carter-Young, Inc.
(O) ************
Email: ***********************************************************
Address: *****************************
This communication is from a debt collector.Initial Complaint
Date:01/27/2025
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am not liable for the debt with Gateway on ******. I do not have a contract with ***************************. They did not provide me with the original contract as I requested.Customer Answer
Date: 01/27/2025
I, Datreese ****** have submitted this complaint by myself. I used the same words on each of my complaints because it was the same matter regarding each company I sent a complaint on.
I know that I should not be held liable for the debt because I really did not get a contract from them.
Business Response
Date: 01/28/2025
We are in receipt of the consumers complaint, and will review the relevant information contained therein, conduct a reasonable investigation and report our findings to the consumers contact information as provided in this complaint. Should the consumer have any questions, they are welcome to contact our office directly, and well be happy to help.
Sincerely,
Carter-Young, Inc.
(O) ************
Email: ***********************************************************
Address: *****************************
This communication is from a debt collector.Customer Answer
Date: 01/28/2025
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
Datreese ******Initial Complaint
Date:01/12/2025
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am not liable for this debt with ***************************. I do not have a contract with this collection agency, They did not provide me with the original contract as I requested.Customer Answer
Date: 01/12/2025
No third party company filed this complaint on my behalf. I am submitting this complaint on my own for my self.Business Response
Date: 01/13/2025
We are in receipt of the consumers complaint, and will review the relevant information contained therein, conduct a reasonable investigation and report our findings to the consumers contact information as provided in this complaint. Should the consumer have any questions, they are welcome to contact our office directly, and well be happy to help.
Sincerely,
Carter-Young, Inc.
(O) ************
Email: ***********************************************************
Address: *****************************
This communication is from a debt collector.Customer Answer
Date: 01/14/2025
Complaint: 22801646
I am rejecting this response because: No third party company filed this complaint on my behalf. I am submitting this complaint on my own for my self.
Sincerely,
***** ****Business Response
Date: 01/17/2025
We have conducted a reasonable investigation and will now be reporting our findings to the consumers contact information as provided in this complaint.
We consider this matter resolved unless the consumer provides new information or documentation.
Should the consumer have any questions, they are welcome to contact our office directly, and well be happy to help.
Sincerely,
Carter-Young, Inc.
(O) ************
Email: ***********************************************************
Address: *****************************
This communication is from a debt collectorCustomer Answer
Date: 01/21/2025
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. Thank you!
Sincerely,
***** ****Initial Complaint
Date:01/09/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Carter-Young, Inc.120 ************************************************************** ************ Opened January 11, 2011 Balance $515.00 I have tried to get information from ****************************** regarding this debt. They told me they sent a letter to the address on file. I no longer live at that address. I requested correspondence to be mailed or emailed and was told they would not send additional communication and I just need to pay the collection. I have not received any correspondence from the collection company since. I have tried to resolve this debt but ***************************** is not cooperating. (please see online reviews) I became aware of this collection when I looked on my credit report. I do not have a contract/ agreement with ***************************** I am requested this collection be removed and deleted from my credit report. They are ruining my credit because they are unprofessional.Customer Answer
Date: 01/09/2025
Based on the BBB's response, I assume I am being accused of having someone other than myself file my complaint based on my words. I wrote what was suggested to file a complaint with the BBB. I gave a personal account of my experience with Carter-Young, Inc. If it sounds familiar, it is probably because other people have had the same experience with this company. Per your your request, no I did not have or need anyone file a complaint for me. Again, please view Carter-Young, Inc. online reviews, you will find that many individuals have expressed the lack of professionalism from the company. I am in the process of independently attempting to get negative marks off my credit. I am attaching documents to show that I am independently filing disputes with credit agencies too. Please let me know if you need any other information to proceed with my complaint.
Charmara English
***********************************
************
Business Response
Date: 01/10/2025
We are in receipt of the consumers complaint, reviewed the relevant information contained therein. The consumer originally filed a complaint with the BBB August 2023. We conducted a reasonable investigation, reported our findings to the consumers contact information as provided in that complaint with no response from the consumer.
We have appropriately responded and satisfied our compliance obligation in this matter. We consider this matter resolved unless the consumer provides new information or documentation.
Should the consumer have any questions, they are welcome to contact our office directly, and well be happy to help.
Sincerely,
Carter-Young, Inc.
(O) ************
Email: ***********************************************************
Address: *****************************
This communication is from a debt collector.Customer Answer
Date: 01/10/2025
Complaint: 22788752
I am rejecting this response because:Hello.
I have tried to resolve this debt with Carter-Young, Inc.and they were not willing to provide me with the information I requested. As stated in my complaint, they sent communication to an old address, so I never received it. Carter-Young, Inc. refused to email or mail the same communication to me at my current address or personal email.
As far as **************************** investigation, I have no record of that. And Carter-Young, Inc. did not report any findings to the consumers contact information. Carter-Young, Inc. emailed a settlement amount and still not providing the original bill. And yes, this was after my first complaint to the BBB about the company.
To the BBB, Carter-Young, Inc. is not a consumer friendly, proactive,or professional company. Their courteous response to this complaint is a show. They need to provide me with the original debt via email. I need to see my bill. As far as I know, without documentation, they could have come up with a random amount due.
Finally, I do not have a contract or any responsibility to Carter-Young, Inc. They chose to buy my debt and holding me accountable for their decision. And since we are including time frames, I would like to have my original bill emailed within 7 calendar days.
Sincerely,
Charmara EnglishBusiness Response
Date: 01/10/2025
To reject our response is certainly the consumer's privilege.
Please convey to the consumer that we stand ready to discuss an amiable solution.
Sincerely,
Carter-Young, Inc.
(O) ************
Email: ***********************************************************
Address: *****************************
This communication is from a debt collector.Customer Answer
Date: 01/11/2025
Complaint: 22788752
I am rejecting this response because:Hello.
To ****************************, your response was to contact you.I have tried that in the past your company was not willing to help. Why would I read book backwards? (For clarity, I have contacted **************************** with no results; I do not want to keep doing the same things and getting nowhere).
Carter-Young, Inc. is rejecting my request to produce and provide the original debt. You conveniently disregarded that part of my reply. I will continue to require the original debt. My request is very reasonable.
To the BBB based on the information found on your website: *********************************************************BBBs mission is to be the leader in advancing marketplace trust. We do this by
-Setting standards for marketplace trust
-Encouraging and supporting best practices by engaging with and educating consumers and businesses
-Celebrating marketplace role models
-Calling out and addressing substandard marketplace behavior
-Creating a community of trustworthy businesses
I reached out to the BBB for help with a difficult company. I am expecting the BBB to follow their mission as stated. I did not reach out to the BBB for mediation and or negotiations. Please convey to **************************** that I stand by my request to see the original debt. Please convey they are exhibiting the unprofessional, not willing to help unless it is their way behaviors. Please ask Carter-Young, Inc. to provide the needed documentation. I could use the BBBs help in this matter.
Sincerely,
Charmara English
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