Debt collector · complaint record
Carter-Young complaints
Filed under Carter-Young, Inc.
Consumers have filed 1,016 complaints about Carter-Young since 2013, 205 of them in the last 12 months (+21% on the year before). It answered 99% on time and closed 0% with relief for the customer - less often than a typical debt collector. The most common problem is attempts to collect debt not owed.
Weak response record. How it works
- Complaints on record
- 1,016
- Last 12 months
- 205
- Answered on time
- 99%
- Closed with relief
- 0%
- Last 30 days
- 15
- Rank
- #127 of 1,963
Since November 2013
+21% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Nov 11, 2026
Most complained-about debt collectors
Carter-Young complaints by month
The busiest month was March 2026 (30 complaints). Complaints in the last 12 months are up 21% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Carter-Young answered last 12 months
- Closed with explanation205100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time41/4599% on time
- Relief for customers0/400% closed with relief
- Complaint trend8/15+21% vs last year
What Carter-Young complaints are about
Top Carter-Young problems last 12 months
Inside "Attempts to collect debt not owed"
- Debt is not yours 238
- Debt was result of identity theft 91
- Debt was paid 52
- Debt was already discharged in bankruptcy and is no longer owed 8
Where Carter-Young complaints come from
Most complaints: Georgia (412), South Carolina (114), Texas (76), North Carolina (62), Florida (50).
Carter-Young compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Credit Collections U.S.ADebt collection | 10 | 211 | F |
| 2 | Kinum, Inc., Indianapolis, IN BranchDebt collection | 51 | 211 | C |
| 3 | Zwicker & AssociatesDebt collection | 57 | 205 | C |
| 4 | Carter-YoungDebt collection | 49 | 205 | D |
| 5 | American First FinanceDebt collection | 83 | 204 | A |
| 6 | Applied Data FinanceDebt collection | 48 | 196 | D |
| 7 | Credit Bureau AssociatesDebt collection | 6 | 196 | F |
| 8 | 2288984 OntarioDebt collection | 36 | 195 | D |
Compare side by side: Carter-Young vs Credit Collections U.S.A · Carter-Young vs Kinum, Inc., Indianapolis, IN Branch · Carter-Young vs Zwicker & Associates · Carter-Young vs American First Finance
What people say about Carter-Young
All experiencesNo experiences with Carter-Young yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Carter-Young complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 11, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 10, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Nov 6, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Nov 5, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 3, 2026 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Oct 30, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 30, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 29, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 27, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 24, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 24, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
Questions about Carter-Young
How many complaints does Carter-Young have?
Carter-Young has 1,016 complaints on record since November 2013, including 205 in the last 12 months and 15 in the last 30 days. That makes it number 325 of every company by complaints this year.
Does Carter-Young respond to complaints?
Yes. Carter-Young answered 99% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 49/100 (grade D).
What do people complain about most with Carter-Young?
The most common problems are attempts to collect debt not owed (389), false statements or representation (105), took or threatened to take negative or legal action (65).
Is Carter-Young legit?
Carter-Young is a real company with a public complaint record: consumers have complained about it 1,016 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Carter-Young legit? for the signals, red flags and how to protect yourself.
Are complaints about Carter-Young going up or down?
Up. There were 205 complaints in the last 12 months against 169 in the 12 before (+21%). See every month.
How do I file a complaint against Carter-Young?
Complain to Carter-Young in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Carter-Young complaints come from?
Most come from Georgia (412), South Carolina (114), Texas (76). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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