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

CFPB complaint data Grade F 758 complaints

Carter-Young, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 40 states, reputation grade F.

Complaints by issue type

What consumers report about Carter-Young, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record carter-young-inc Carter-Young, Inc.

Grade F · 758 CFPB filings · 87% timely · lead issue: Attempts to collect debt not owed · vol #190 · compose #420

  • VOL 758
  • GRADE F
  • 12MO 170
  • STATES 40
  • TIMELY 87%
  • DISPUTE 22%
  • ISSUE Attempts to collect debt n…
  • RANK #190
  • COMPOSE #420

Volume peers

Nearest volume peer: National Enterprise Systems, Inc. (760 complaints)

Allied Collection Services, Inc. (Nevada)Allied Collection Services, …753Carter-Young, Inc. (this)Carter-Young, Inc. (this)758National Enterprise Systems, Inc.National Enterprise Systems,…760NCC Business Services, Inc.NCC Business Services, Inc.764Hyundai Capital AmericaHyundai Capital America770
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Carter-Young, Inc.'s 758 CFPB complaints sit next to National Enterprise Systems, Inc. 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 →

How the 758 complaints break down

Every complaint issue type on record for Carter-Young, Inc., not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
48.6/100
Carter-Young, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
758
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
87%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
22%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

41.3% of Carter-Young, Inc.'s CFPB filings land in Georgia

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

Dominant state
Georgia 41.3%
313 of 758 filings · 40 states touched
Seasonal peak
2026-01 8.6%
8–15% band · 638 filings
Corpus ranks
#190 volume
#420 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Carter-Young, Inc. compare to its peers?

How does Carter-Young, 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-Young, Inc. National average
Complaints (last 12 mo)lower is better
170
71
268
Timely-response ratehigher is better
87%
100%
91%
Consumer-dispute ratelower is better
22%
17%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Carter-Young, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 75%80%85%90%95%100%105% 0%5%10%15%20%25%30% Timely response rate (%) Dispute rate (%) Carter-Young, Inc. vs. 9 similar-volume peers, by response speed and dispute rate Carter-Young, Inc.National Enterprise Systems, Inc.Allied Collection Services, Inc. (Nevada)NCC Business Services, Inc.HYUNDAI CAPITAL AMERICACollection Bureau of America Ltd.MARINER FINANCE, LLCJH Portfolio Debt Equities, LLCThe Law Offices of Mitchell D. Bluhm & AssociatesJon Barry and Associates, Inc.
Source: CFPB Consumer Complaint Database

Carter-Young, Inc.'s complaint volume in context

Carter-Young, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

758 Top 4% higher than 96% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Carter-Young, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Stable →
2024-04 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
367
Written notification about debt
155
False statements or representation
91
Took or threatened to take negative or legal action
57
Cont'd attempts collect debt not owed
39
Disclosure verification of debt
25
Communication tactics
19
Improper contact or sharing of info
3
Threatened to contact someone or share information improperly
1
Taking/threatening an illegal action
1

Where do complaints against Carter-Young, Inc. come from?

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

Top states by complaints against Carter-Young, Inc.

Across 40 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Carter-Young, 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: 758.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 86.82385575589458%.

4 peers

Know your rights before responding to Carter-Young, 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.