Carter-Young

Carter-Young has reported a delinquent account to the credit bureaus incorrectly. Melissa at Carter-Young told me she would remove them.
Carter-Young reported a delinquent account for their client North Atlanta Primary Care in the amount of $168.00. This amount was paid directly to North Atlanta Primary Care. I called Carter-Young and spoke with Melissa who is responsible for reporting to the credit bureaus and she confirmed it was paid and did not know why it was reported. She promised she would remove them. To date they have not been removed. I have left several messages for a status and no one returns my calls.

I have been trying to resolve a collection account with this company but no one is willing to assist
I have a collections account with this company for $403. Back in 2018, there was settlement offer for $250 however the payment failed on my end I was not able to resolve. I have called in a few times since trying to have the issue resolve by offering a settlement. Even mailing in an offer. But each time I call, I'm given the bare minimal. And no matter how many times I say "I can't afford the whole amount or the amount they are willing to offer" they pretty much give me an "oh well". Today I experienced the biggest lie ever. When I offered $275 for settlement, the rep Christina said that the debtor had restrictions on how much they can offer me and $302 was the lowest. She said that it's only a $27 difference. When I asked her what if I didn't have it? She replied I just needed to save my money and call back. Christina also advised me that her company does NOT profit from the accounts they collect on. That all of the funds are sent back directly to the debtor. By the end of the call she had a very "I don't care" attitude and could care absolutely less of what I had to offer. So after I ended this call, I contact vista property management who manages the property where I occurred the debt. And I was advised that once the debt was turned over to a collection agency that the terms of the debt are no longer handled by them. That the terms are set by the agency that has the debt. WOW!
Here's my complaint, I understand that the debt is mine and I am trying my absolute hardest to have it taken care of. However this company has some of the rudest agents and they have no respect or regards for their clients. Since when is it ok to lie to a consumer or even treat them like they aren't human?!?! How is this type of practice ok?

-*** INC, PresidentAccount *** The basis for my dispute was required to notify me prior to , or no later than 30 days a after posting
CARTER-YOUNG INC,Mr. Stephen ***, PresidentAccount *** The basis for my dispute was required to notify me prior to , or no later than 30 days after CARTER-YOUNG INC,Account *** failed to notify me about reporting derogatory info. to *** and *** In section 603(p) 15 U.S.C. ss 168s-2(a)(7)(A)(I); "The notice required under subparagraph (A) shall be provided to the customer prior to, or no later than 30 days after , furnishing the negative derogatory information to a consumer reporting agency described in section 603 (p),' 15 U.S.C. ss 1681s-2(a)(7)(B)(I). Plus broke commercial law under UCC § 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response.

Also, CARTER-YOUNG INC,Mr. Stephen ***, PresidentAccount *** " failed to give me my "Mini-Miranda" five days prior to placing this derogatory item on all of my credit reports, per Section 807(11) & FDCPA §809, which is $1000 per violation and the state of South Carolina allows treble damages.

Under § 809. Validations of date and Mini-Mirandi under Section 807(1) CARTER-YOUNG INC,Mr. Stephen ***, PresidentAccount #XXXXXXX
CARTER-YOUNG INC,Mr. Stephen ***, PresidentAccount #XXXXXXX failed to send me my initial communication before placing this alleged derogatorystatus on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to $2500 and can be enforced by the FTC, and that my state attorney general can also enforce this with a $1000 penalty as well.

I attached a copy of the law and the actual document from the federal reserve

CARTER-YOUNG INC,Mr. Stephen ***, PresidentAccount #0854*** is held liable as well for defamation and in the state of South Carolina a creditor is who collects their on debt is considered a debt collector under FDCPA. Smith v. Heard 980 S.W.2d693(Tex.App-San Antonio 1989 reh.den.) citing Monroe v. Frank 936 S.W.2d 654(Tex.App-Dallas 1996 writ dism'd w.o.j.)

I spoke with them over the phone. They offered me a settlement and I paid it. They emailed me a paid in full letter less than 30 mins from my payment. I thanked them for really working with me!

I have explained to Carter-Young numerous times over the course of 4 years that I never lived in a property they managed in 2015. I spoke with the former management company, Peak Campus, who generously provided documents electronically signed by me however they have verified that my application to live in this apartment complex was denied. Until February of this year Carter Young refused to at least come up with a payment plan to pay off the debts I allegedly owed. They have been very rude and cut me off constantly when I speak. I had my lawyer send them a letter via certified mail requesting proof of debts that I owe and any documents with wet signatures that can prove that I lived in this apartment. I have asked for documentation showing my application denial. I will be pursuing legal action when this is cleared up.

I have been waiting on documents for the past year now. I was told that it will be sent to email but never received nothing. I contacted the lady and she said it was sent out again. I get frustrated every day because I feel like I'm getting the run around & my life is on hold because of the situation I have going on right now!

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed. I asked for a verifiable contract and this company sent me a bill that did not have their name on it but another company, again without a signature or a contract between me and them. I am demanding a contract between me and them stating any debt that I have with this company or it will be considered a fraudulent account on my credit report and I will seek legal action on my behalf. Again this is my 3rd attempt to have this matter resolved with this collection agency

I called today to verify an outstanding account on my Credit Report. I simply asked if there was a settlement amount to both accounts and if I could get it in writing. The rude lady told me "a letter for what?" I have not received any letter from them saying anything about the second account or that I could settle any account. Long story short, she hung up in my face. I tried to call twice and was sent to her voicemail. I understand this is a collections company but to be so rude and ugly is so unprofessional. I can't imagine doing a job that makes me act so nasty to people.

To whom this may concern:

Please accept this letter as a written request that I have filled a police report for the following fraudulent account information from your company Carter-Young Inc. of item appearing on my Experian and Equifax credit report. I have been a victim of identity theft.
Product_Or_Service: N/A
Order_Number: N/A
Account_Number: XXXXXX

I attempted to contact Aspen Heights Properties several times for the past four years and have not been able to contact management. Each time I call I am told that the property does not belong to Aspen Heights Partners any longer and that they don't have any of my information and that I'll need to contact corporate. I've contacted Aspen Heights Partners Corporate and left several voice messages. Corporate has not returned my call once to discuss this debt that they marked on my credit report or provide me with written notification of the debt or the right to dispute. The company just sent my information to collections and when I contacted the collections company which is Carter Y Inc. I was refused my account number and told that they would give me information about my account if I paid them money. The manager, William Y repeatedly stated misleading statements such as I only want to make a payment or dispute to get housing and that I'm not getting any information unless I pay his client and that he is not providing me with any verification of debt. I have this entire conversation on audio record. In addition, they lied and tricked me into providing confidential information claiming that they were not using it for this or that purpose, and only to find my account but this was fraudulent and a lie.

I called and spoke with a representative that was very rude, before she disconnected the call without notifying me, she offered me the option to make a partial payment on the company own terms. First I asked for the balance for my account and an account number. She asked me why I needed this information as if this was not necessary for me to have to resolve this issue. I then preceded to explain that I would like to start making payments on my balance to ultimately pay it off. I then called back and was transferred to the General Manger, Mr. William Y and he quickly argued that I don't have that option and the only payment that I can make has to be the full amount or they won't accept it. Mr Y used his position and power to twist my response. He asked why I wanted to pay, and I told him it is on my record and I need to satisfy this, I can't do anything without taking care of this. He made a false and misleading stating and interrupted response stating "Oh so the truth comes out you only want to make a payment so you can get housing, and then proceeded to over talk me before hanging up. I never said I wanted to pay this so that I can get housing and this creditor and this creditor attempted to uses this false statement presented by himself to mislead me and collect a debt in full only. In addition, I repeatedly suggested a partial payment knowing the creditor will accept a partial payment, and he told me that "only full payment is acceptable.

I noticed a collection account placed on my credit report from Carter Young Inc. I wrote the company asking them to validate the debt with my signature as a legal binding contract. I also stated that I had never done business with them. I sent my debt validation letter via certified mail and said that I would await their reply within 30 days. Today I received a letter back with just an old bill. Nothing with my signature verifying and validating this debt to be mine. I also asked them that if they could not validate the debt to please remove all collections from the three credit bureaus. They have failed to do so.
Account_Number: XXXXXXX

CARTER-YOUNG INC,Mr., PresidentAccount #***
CARTER-YOUNG INC,Mr., PresidentAccount #***
The basis for my dispute was required to notify me prior to , or no later than 30 days after
failed to notify me about reporting derogatory info. to Equifax, Experian, and Transunion In section 603(p) 15 U.S.C. ss 168s-2(a)(7)(A)(I); 'The notice required under subparagraph (A) shall be provided to the customer prior to, or no later than 30 days after , furnishing the negative derogatory information to a consumer reporting agency described in section 603 (p),? 15 U.S.C. ss 1681s-2(a)(7)(B)(I). Plus broke commercial law under UCC ' 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response.

Also, failed to give me my "Mini-Miranda" five days prior to placing this derogatory item on all of my credit reports, per Section 807(11) & FDCPA '***, which is $1000 per violation and the state of South Carolina allows treble damages.

Under ' ***. Validations of date and Mini-Mirandi under Section 807(1) CARTER-YOUNG INC,Mr., PresidentAccount #***
CARTER-YOUNG INC,Mr., PresidentAccount #***
CARTER-YOUNG INC,Mr., PresidentAccount #***
CARTER-YOUNG INC,Mr., PresidentAccount #***XXXX
CARTER-YOUNG INC,Mr., PresidentAccount #***
CARTER-YOUNG INC,Mr., PresidentAccount #*** failed to send me my initial communication before placing this alleged derogatory 3 status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to $2500 and can be enforced by the FTC, and that my state attorney general can also enforce this with a $1000 penalty as well.

I attached a copy of the law and the actual document from the federal reserve

is held liable as well for defamation and in the state of South Carolina a creditor is who collects their on debt is considered a debt collector under FDCPA. *** 980 ***(***) citing ***(Tex.App-***.)
Product_Or_Service: N/A
Account_Number: #

They placed a small $296 on my credit report; whereas, I have no knowledge of this purchase or whatever.

This company is unlawfully reporting a collection debt that isn't owed by me. I have asked that this incorrect collection be removed immediately. This issue is keeping me from being able to rent my own home. They belittle you and avoid direct questions when asked for verification of this debt, so that they can continue to pursue money from you. It's unfair and unlawful to pursue invalidated debts and this company has been ignoring my consumer rights to simply force you to pay even if it has been reported their information isn't correct.
Account_Number:***XXX

Received a call from a woman representing this company and she was very rude and unprofessional. She asked for my son, who just turned 18, so I am not sure where or how or when she or this company got his information. I asked her who she was and who the company was, and she refused to give any information, and laughed about it. I did not get her name,but did cal me from phone number

The woman that called me was very rude, accusatory while I was confused the reason of her call. Then hung up on me repeatedly until I send "proof".
I received a call about a lease that was signed by 3 people, including myself, 5-6 years ago. The woman stated that the call was in regards to a balance that was still owed on the lease and I explained that the information was not correct because I was removed from that lease and the other party continued the lease with another roommate. The woman said well then send in the proof and disconnected the call.

Invalid/ False Reporting
A collection was placed on my credit profile for a property rental that I supposedly signed for. When I notified the collection agency to inform them that I have no knowledge of such account nor did I give aurthorization to open such, and asked them to furnish a contract that I signed or gave consent to there was never any proof brought foward providing evidence that Im liable/ responsible for this existing account. I filed a dispute to have the item removed and cease to report any further but have had no luck with this matter. Account #*** in the amount of $2,453 has been reported since 01/2015. Im simply requesting that this account be permenatly removed from my credit report immediately.

I called in to satisfy a payment however after this occured I was advised of an outstanding bill from 2014 that was disputed on my report that was not accurrate and the agent became condecending , downright smart mouthed me and tried to belittle me in spite my several times telling him that was like he said a disputed charge and furthermore my call had nothing to do with that.
I didnt like how rudely and threatened I was treated as he saud oh well we will just keep it on your delinquent report until 2020 and I seem like a fairly smart person why dobt I just take care of it do it can come off thier books and its my perogative if I dont do it but he spoke very haughty.
I called back to lodge a complaint to the manager but he saud he was the owner and no one but him to speak to and kept talking over me. I then advised I will let the Revdex.com know how they treat paying clients .
Account_Number: XXXXX

Have had the hardest time with this company! They placed a collection on my credit for an apartment that I supposedly lived at, in 2017! However I have lived at my current apartment which is through a whole different management since July 2017. Even after sending my letters, proof of rental verification/history,and contacting them, they still refuse to remove
Account_Number: