CFPB Consumer Complaint Profile

Carter-Young, Inc.

What 907 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.

Data updated 2026-05-15

907
Total complaints
209
Last 12 months
86.4%
Timely response
41
States affected

The verdict

Among 3,848 financial companies tracked by CFPB complaint volume, Carter-Young, Inc. sits at #347, with 907 complaints logged. It answers 86.4% of complaints on time - below the 93% median for companies with 100+ complaints.

#347
of 3,848 companies by volume
86.4%
answered on time
Debt collection
most-complained product
41
states with complaints
Carter-Young, Inc. timely response rate 86.4%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - I do not know 225
Debt collection - Medical debt 165
Debt collection - Other debt 143
Debt collection - Rental debt 111
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 92
Credit reporting or other personal consumer reports - Credit reporting 77
Debt collection - Other (i.e. phone, health club, etc.) 43
Debt collection - Medical 14
Credit reporting or other personal consumer reports - Other personal consumer report 8
Debt collection - Credit card debt 6

Top Issues

1.Attempts to collect debt not owed 347
2.Written notification about debt 150
3.Incorrect information on your report 106
4.False statements or representation 86
5.Took or threatened to take negative or legal action 50
6.Cont'd attempts collect debt not owed 39
7.Improper use of your report 31
8.Problem with a credit reporting company's investigation into an existing problem 30
9.Disclosure verification of debt 25
10.Communication tactics 18

Complaints by Year

Year Complaints
2013 2
2014 14
2015 9
2016 38
2017 54
2018 56
2019 48
2020 77
2021 93
2022 77
2023 80
2024 111
2025 187
2026 61

Complaints by State (Top 15)

Georgia 377
South Carolina 100
Texas 64
North Carolina 52
Florida 42
Tennessee 34
California 26
Alabama 25
Louisiana 17
Michigan 15
New York 15
Illinois 14
Pennsylvania 12
Mississippi 12
Ohio 10

Company Responses

Closed with explanation 904
Closed 3

What the CFPB Complaint Record Shows for Carter-Young, Inc.

The CFPB Consumer Complaint Database has logged 907 complaints against Carter-Young, Inc. overall, with 209 of those filed in the trailing 12 months. Reports have come from consumers in 41 states and territories, making this a nationwide complaint footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.

Carter-Young, Inc.'s timely response rate stands at 86.4%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. The company's response was formally disputed in 21.5% of resolved cases, indicating how frequently the initial fix fell short. Of complaints that were resolved, 0% closed with some form of monetary or non-monetary relief to the consumer.

How to read complaint counts

Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.

Frequently Asked Questions

How many CFPB complaints does Carter-Young, Inc. have?

The CFPB has logged 907 complaints against Carter-Young, Inc. to date, of which 209 came in over the last 12 months.

Does Carter-Young, Inc. respond to complaints on time?

86.4% of the CFPB complaints against Carter-Young, Inc. get a response within the expected window.

What product generates the most complaints for Carter-Young, Inc.?

Among all products tied to Carter-Young, Inc., "Debt collection" accounts for the largest share of complaints (full breakdown above).

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

"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Carter-Young, Inc. - see all issues and counts above.

How do I file a complaint against Carter-Young, Inc.?

You can file a complaint against Carter-Young, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.

In how many states have consumers complained about Carter-Young, Inc.?

Carter-Young, Inc. has drawn CFPB complaints from 41 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.