Carter-Young
Reviews and Complaints

On May 26, I received a PAID IN FULL letter from Carter and Young that clearly states I am to be released from all claims and liabilities relating to the debt. But when I tried to apply for an apartment, I was rejected due to the file showing up on the report. When I called the company, a woman (who refused to give me her name) was extremely rude, refused to answer my questions, then effectively pushed me off the phone and hung up on me. The second time I called, I asked for an update on how to quickly resolve the situation as my debt was already paid. Yet the only response I received was that a report was sent once a month. I asked if they could send the receipt to equifax since they need confirmation from the company and they said "why don't you do that yourself." I asked when the report would be sent (so I know when I can apply) they stated that they could not tell me or find out and once again hung up. I am a student & need this fixed ASAP so I have a place to live.

I moved into an apartment complex in November, my lease was to end November. I ended up moving in September due to the fact that I had a roommate at the time to help with rent and she was moving out. I explained this to the complex and was taken to court for breaking the lease early. However at court we had a mediator and it was agreed so long as I was out by the end of the month I would be fine, no penalty. I moved out within the time frame, and in late 2019 discovered I had a collection from ***. I received no notices NOTHING. Not to mention there should've been no balance to have placed into a collection agency. Gabriel Courts (the complex name) and the surrounding sister company don't even exist anymore because the person that owned them went out of business, as he had been charged with money laundering.There was no physical damage to the apartment. The only "damage" was the walls that had been painted.They were neutral colors as well, nothing crazy

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion, Equifax, and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The *** which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. *** bal. $110.00 Acct # ***I understand that the Office of the Attorney normally provides copies of the complaint forms or information regarding complaints to the business complained about and other private and public agencies. I authorize Complaintsboard.com to give copies or any information on the form to anyone deemed advisable.

I was looking at my credit report and noticed this company on there. I do not know who they are and have never entered any agreement with them. I demand to see an original contract with my signature showing I have a legal obligation to pay them a debt. I also want to see a copy of the agreement they have with their client to collect this alleged debt. I know that the *** says collectors can buy debt but they CAN NOT purchase my private information. My name, address is all private! I have never given this company permission to report ANY information to a credit bureau and I have never personally given them my private information. I want to know if their client made an insurance claim for this alleged debt and if their client can provide proof they sent me a ***c since they canceled this debt! Additionally the info is not consistent across the 3 bureaus and the *** says if it is not 100% accurate it must be deleted. I am the only person that can validate and account and I do NOT validate this. DELETE THIS FROM MY CONSUMER REPORTS NOW! I also want the company to cease and desist communication with me through all mediums!

Deletion request, please. 1st. I received two different collections letters one from Carter-young acct # XXXXXXXXX and the other company I will not mention name but account number XXXXXXXXX. I contacted both companies and both stated they were collecting for Northwest ENT Associates. I then contacted Northwest to find out why after I paid in full, I was being charged. I spoke with Jackie Jones. I was advised of amount past due. I now have been reported to collection, for $590.00 and bill is $589.55. I contacted Carter-young and advised not sure if amount is correct being I did make an out of pocket expense for a biopsy for cancer, for which I didn't have insurance at the time and I still made as what I thought a full payment. So now I have paid Carter-young in full and requested a deletion and was advised no. I asked was there anything I could do, good faith for removal and was advised no. This being on my credit report for 7 years for a bill I clearly thought I paid in full at time of service, which is what the sign say at Dr. office. I am asking that a deletion of collection is removed. This whole process has been unethical and unprofessional.

I paid off a $342 dictor bill to North Atlanta Primary office , it was not to be listed on my credit report.Please remove immediately . I notice a "PAID" collection on my credit report.I called North Atlanta Primary in Johns Creek office they confirmed I paid$342 and to call Carter-Young them with the request to remove. I then called Carter- Young Inc on 8/20 I explained to the lady ( not listing name)the amount owed was paid directly to North Atlanta office in August not sure why this on my report and I was told by the office it wouldn't reported. The representative stated her records indicated I made payments to the doctor office (I only made my office to make payments to the office ). I then proceeded to ask can this be removed? It should of never been reported .She said "no " and stated the consumers always think when they pay a bill they have rights "you have 7 years and it will come off she even laughing as I am asking as though it was a joke.)I got off the phone immediately when she made that statement .My lively hood is not a joke Carter -Young ! All I am asking is for Carter -Young INC is to please remove this from my credit report.

Inaccurate Information of an account I supposedly owe to Hargray. I DO NOT owe this! Carter Young is attempting to collect a balance they say I owe to Hargray in the amount of $224.24. When I told the person on the phone that I do not owe this bill I was told it is MY responsibility to prove them wrong and they have zero requirements to prove the debt they are to collect is valid or correct nor do they have any responsibility to prove the information they are falsely reporting to the credit bureau is accurate. I have called Hargray customer service multiple times to try and get this issue resolved and each time I spend a minimum of 2 hours on the phone to have them tell me I owe $0 and they have no idea why this collection agency is involved or reporting a balance to the credit bureau as a collection account. Hargray tells me they will need to investigate and call me back but no one ever calls me back, hence another call to the to only get the same response. This is a never ending cycle with Hargray saying I owe nothing and Carter Young refusing to accept any responsibility for the information they are reporting or getting it deleted from my credit bureau files.

Debt added to credit report without actually having debt I previously had hargray services at the barracks , however I was being overcharged for the plan I originally signed up for. Because of this I chose to terminate my services with hargray and paid my last bill. I had downloaded the credit karma app to check my credit score and shockingly noticed a collections from Carter Young Inc(whom I've never interacted with) detailing the original creditor as Hargray Communications (old Internet provider) however I do not owe them any money and paid my balance in full on my final month of service as discussed with. The debt placed on my credit Report is incorrect as I do not owe hargray inc any money, I am asking for the deletion of this debt from my account because it is incorrect and hurting my score. I am currently on deployment and attempting to purchase a home when I return to the US and this collection is hurting my account with money I do not owe. I understand that mistakes happen and have contacted hargray several times to try and resolve this and have been told that I have a 0.00$ balance only to realize on the call that I have to resolve this issue with Carter Young

When I obtained my credit report last October, I discovered that theres an addresses there that I never resided and account that I have no knowledge of. I may have been a victim of identity theft. I already contacted the creditor to make them know of the breach and they are requesting that I fill out a full Packet to show cause in order for them to cease reporting to my credit due to this possible identity theft. I also found this account that I believe not mine:Acct name: *** (Original Creditor: *** RADIOLOGY)acct no. ***date opened 03/01 balance $277.00 I am not liable for this debt and I do not have a contract with:Company: *** Address: *** Tel No: *** Police Report and FTC Affidavit are attached with this complaint together with dispute letter sent to ***. I also filed complaints thru CFPB. Please delete this account from my credit report at once. Any questions or concerns I can be reached at *** and email at *** I need a response from the company.

this account was opened fraudulently and not by me. this is a violation of my rights as a consumer. this was a matter of unauthorized use pursuant 15 usc 1602(p) The term unauthorized use, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.they have also violated me under 15 usc 1692(g) as i was never sent model form b-1 to validate the debt.violation 15 usc 1681m(m) the term credit or insurance transaction that is not initiated by the consumer - does not ***lude the use of a consumer report by a person with which a consumer has a account for the purpose of (1) reviewing the account (2) collecting the account,also according to the new rules of the *** 1006.2(d)(g) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, ***lude any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. but on my consumer report it shows carter young *** as my creditor therefore this account is in violation according to 15 usc 1681e(b) accuracy of report. i know my rights a consumer and i feel like i am being taken advantage of and demand deletion of this account across all three consumer reporting agencies Equifax, Transunion and Experian

I have received collection letters from Carter-Young, Inc. for debt owed to Puretalk USA, and continuous debt settlement phone calls. I never received this *** from Puretalk USA, and never owed debt to Puretalk USA. Puretalk USA is a prepaid phone company, all their services have to be paid in advance, otherwise there is no services provided. The only possibility about this debt is the discount that Puretalk USA gave to us when we purchased a phone from them. We had been a customer for Puretalk USA for several years. when US changed to 5G system, we were shopping for a 5G phone and we received an offer from Puretalk saying we were long term customer so they gave us $120 coupon for our new phone purchase from them. I called the company asked about using the coupon and talked them if we still can terminate our services in the future and the answer was yes any time. They did NOT say we have to pay the coupon back if we change services. Therefore, I purchased a phone using the coupon, after a month or two, we changed our services to another company. I never received a *** from Puretalk USA. I consider these collection letters and phone calls to be a source of harassment to myself. I do NOT have time to deal with these harassments. I ask Complaintsboard.com to help me by contacting *** to stop these harassment actions, and guarantee that my credit history will not be affected and to apologize for their mistakes by a letter.I appreciate Complaintsboard.com's help. If you have any questions, please contact me at ***.

Consolidated companies in Georgia have been continuing to break the law, via Fair Debt Collection Practices Act (FDCPA) violations. Once made aware, I immediately contacted both entities about falsely reporting the amount owed to me, and what they report to credit bureaus. With their unfair credit act practices, neither has voluntarily reported the matter for deletion, and has continued reporting inaccurate delinquencies. After viewing other claims on Complaintsboard.com and review platforms, like Yelp, it is clear that these two companies scam consumers into paying debts that aren't real or perhaps have already been paid. One company wants me to pay $758 to cover another tenant's moving expenses. That's not in the lease and under FRCA 611(a), I am disputing the completeness and accuracy of the information being reported. I have requested proof. A copy of any document that disproves the documents I have. As mentioned, the balance is false and my rights have been violated through the federal Fair Debt Collection Practices Act (FDCPA). Carter Young and Consolidated Properties have practiced aggressive debt collection actions. Both companies have violated federal law in its dealings with me. I have continued to dispute and have requested an investigation and removal of this collection account from my credit report. I have to presume that disregarding these requests, suggests that all parties involved are complicit in violating the Fair Debt Collection Practices Act along with the Fair Credit Reporting Act.

I have disputed an account that they claimed mine but they ignored my investigation request completely and offered no solution. This is a formal complaint against CARTER YOUNG INC located in CONYERS, GA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, under Equifax, Transunion, and Experian. And not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Carter Young has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

1. I have never had an account with CARTERYOUNG and request its removal from all credit reporting agencies. 2. The term 'consumer' refers to any individual obligated to pay a debt as per U.S. law. 3. This letter demands cessation of communication as allowed by law. 4. I am the 'consumer' in question and you, CARTERYOUNG, are the debt collector. I am exercising my legal rights to demand you stop all collection efforts. 5. As an executor, I am protected by law from harassment and abuse in debt collection. 6. It is illegal to communicate false credit information or imply that debts have been sold to third parties. 7. Unfair practices in debt collection are prohibited. 8. Debt collectors must cease collection of disputed debts until verification is provided. 9. Debt collectors who violate these regulations may be held liable for damages.

The manager is unwilling to issue a new deletion letter for the Pediatric Ent Of Atlanta account, which was settled on 1/10. A letter from March 13th, indicated that a deletion request would be sent to the credit bureaus. However, the account still appears on my credit report. On 4/8, I contacted the company for a reissued deletion request and a letter for my records. The initial letter is faded and damaged. Jackie, a manager, was uncooperative and declined to send a new letter, stating I had already received one. I later spoke with Kim Smith, who confirmed a deletion request would be submitted but reiterated that I would not receive a letter due to company policy prioritizing other customers' letters. Despite suggesting an encrypted email as an alternative, my request was denied.