What is the most common complaint against Carter Business Service, Inc.?

The most common issue consumers report about Carter Business Service, Inc. is "Attempts to collect debt not owed", specifically "Debt was paid". This is based on 25 complaints filed with the CFPB.

Are complaints against Carter Business Service, Inc. increasing or decreasing?

Complaints against Carter Business Service, Inc. have been stable. The company received 5 complaints in the last 12 months.

What is Carter Business Service, Inc.'s reputation grade?

Carter Business Service, Inc. has a reputation grade of B (score: 69.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Carter Business Service, Inc. respond to consumer complaints?

Carter Business Service, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Carter Business Service, Inc. operate?

Carter Business Service, Inc. has received CFPB complaints from consumers in 7 states, with the most complaints from Massachusetts (14 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Carter Business Service, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 7 states, reputation grade B.

Compiled by PlainCollector

Attempts to collect debt not owed

9
Written notification about debt

8
Communication tactics

4
False statements or representation

2
Took or threatened to take negative or legal action

1
Cont'd attempts collect debt not owed

1

Data updated September 2026

CFPB complaint disposition

CCDB record carter-business-service-inc Carter Business Service, Inc.

Grade B · 25 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #1699 · compose #1360

VOL 25
GRADE B
12MO 5
STATES 7
TIMELY 100%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #1,699
COMPOSE #1,360

Volume peers

Nearest volume peer: Absolute Credit LLC (25 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Carter Business Service, Inc.'s 25 CFPB complaints sit next to Absolute Credit LLC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

56.0% of Carter Business Service, Inc.'s CFPB filings land in Massachusetts

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state: Massachusetts 56.0%; 14 of 25 filings · 7 states touched
Seasonal peak: 2024-02 13.3%; 8–15% band · 2 filings
Corpus ranks: #1,699 volume; #1,360 composite; Among 5,420 volume-ranked / 5,278 scored collectors

How does Carter Business Service, Inc. compare to its peers?

How does Carter Business Service, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Carter Business Servic… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2016-10 2026-01

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	9
Written notification about debt	8
Communication tactics	4
False statements or representation	2
Took or threatened to take negative or legal action	1
Cont'd attempts collect debt not owed	1

Where do complaints against Carter Business Service, Inc. come from?

Carter Business Service, Inc.'s own per-state count, not a national baseline.

Massachusetts

14
New Hampshire

4
California

2
Connecticut

2
Arizona

1
Florida

1
Virginia

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Carter Business Service, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 25.

4 peers

Know your rights before responding to Carter Business Service, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.