Total CFPB complaints
24
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 24 complaints
Carter Business Service, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 7 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Carter Business Service, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
8 complaints
- Written notification about debt
Written notification about debt
8 complaints
- Communication tactics
Communication tactics
4 complaints
- False statements or representation 2
False statements or representation
2 complaints
- Cont'd attempts collect debt not owed 1
Cont'd attempts collect debt not owed
1 complaints
- Took or threatened to take negative or legal action 1
Took or threatened to take negative or legal action
1 complaints
B
Grade B · 72.5/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Carter Business Service, Inc.?
Carter Business Service, Inc. has accumulated 24 total CFPB complaints across 7 states, with 4 filed in the most recent 12 months against 20 historical complaints before that window. The trailing-12-month volume represents 16.7% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt was paid", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 0% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 7 states, led by Massachusetts with 13 and New Hampshire with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 72.5/100 places Carter Business Service, Inc. in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
4
16.7% of total history
Rising ↑
States active
7
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
B
72.5/100 composite
Response-quality profile
How Carter Business Service, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 12.5%
Share of US states + territories with at least one filed complaint against this collector.
How does Carter Business Service, Inc. compare to its peers?
Carter Business Servic… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2016-07 2025-12
Top Consumer Issues
Attempts to collect debt not owed8 (%)
Written notification about debt8 (%)
Communication tactics4 (%)
False statements or representation2 (%)
Cont'd attempts collect debt not owed1 (%)
Took or threatened to take negative or legal action1 (%)
Most common issue: Attempts to collect debt not owed — Debt was paid
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt was paid | 7 |
| Written notification about debt | Didn't receive enough information to verify debt | 5 |
| Communication tactics | Frequent or repeated calls | 3 |
| Written notification about debt | Didn't receive notice of right to dispute | 2 |
| False statements or representation | Attempted to collect wrong amount | 2 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 1 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
Where do complaints against Carter Business Service, Inc. come from?
The states where consumers have filed the most CFPB complaints against Carter Business Service, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Carter Business Service, Inc.
Across 7 states with at least one filing
- Massachusetts
Massachusetts
13 complaints
- New Hampshire 4
New Hampshire
4 complaints
- California 2
California
2 complaints
- Connecticut 2
Connecticut
2 complaints
- Florida 1
Florida
1 complaints
- Virginia 1
Virginia
1 complaints
- Arizona 1
Arizona
1 complaints
Frequently Asked Questions
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 24 complaints filed with the CFPB.
Are complaints against Carter Business Service, Inc. increasing or decreasing? ▼
Complaints against Carter Business Service, Inc. are rising. The company received 4 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Carter Business Service, Inc.'s reputation grade? ▼
Carter Business Service, Inc. has a reputation grade of B (score: 72.5/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
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 (13 complaints).
What can I do if Carter Business Service, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Carter Business Service, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |