What is the most common complaint against Carter-Young, Inc.?

The most common issue consumers report about Carter-Young, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 758 complaints filed with the CFPB.

Are complaints against Carter-Young, Inc. increasing or decreasing?

Complaints against Carter-Young, Inc. have been stable. The company received 170 complaints in the last 12 months.

What is Carter-Young, Inc.'s reputation grade?

Carter-Young, Inc. has a reputation grade of F (score: 48.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Carter-Young, Inc. respond to consumer complaints?

Carter-Young, Inc. has a 87% timely response rate to CFPB complaints. Consumers disputed the company's response in 22% of cases.

In how many states does Carter-Young, Inc. operate?

Carter-Young, Inc. has received CFPB complaints from consumers in 40 states, with the most complaints from Georgia (313 complaints).

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

Carter-Young, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 40 states, reputation grade F.

Compiled by PlainCollector

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

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 #4259

VOL 758
GRADE F
12MO 170
STATES 40
TIMELY 87%
DISPUTE 22%
ISSUE Attempts to collect debt n…
RANK #190
COMPOSE #4,259

Volume peers

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

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 →

State-heavy filing map

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

High volume does not equal a clean composite: Carter-Young, Inc. is volume #190 but composite #4,259, while Georgia dominates the geography. 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
Divergent corpus ranks: #190 volume; #4,259 composite; Cleanest-composite ladder is 4,069 places worse than volume

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

268

Timely-response ratehigher is better

87%

100%

91%

Consumer-dispute ratelower is better

22%

17%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Georgia

313
South Carolina

85
Texas

57
North Carolina

43
Florida

40
California

23
Tennessee

22
Alabama

18

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.