Carter-Young

This company is running a scam. They have inaccurately reported a collections debt on my credit report. I have contacted them several times about providing me with a copy of the paperwork they claim to have, but have yet to receive it. They are extremely rude and unprofessional. They claim to have an electronic lease, but I never signed any lease. I've been living in the state of NJ since June of the year they claim I signed the lease for August. I fear that my information has been compromised by this collection company. They are reporting fraudulent information. I need these people investigated and this information removed from my credit report as soon as possible.

I am filing a complaint due to me moving when my lease was up. I put my 30 days notice in and did not renew my lease. I was charged for next month
Saying We owe $1200 to them from rent to fee's of furniture and replacing blinds that were already replaced. They had a racist woman running them apartments and she was mean and rude had awful things to say about our apartment. She knew I was expecting a baby when my lease was up.

Had a dispute submitted, they claimed the debt was valid. I called to obtain the information about the debt, where its from and the contact information. They claim they can't give that information. What a load of crap. According to FDCPA, collectors are required to provide that information to determine if the debt is legitimate. Then the woman on the phone had the audacity to say "Well you should've handled this a long time ago?" Blatantly incoherent to the fact that I'm not even sure if this is a valid debt. Just ridiculous.

I called and spoke with a representative that was very rude. 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. She 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.

I was let out my lease due to mold issues and severe asthma attack. Castlerock didn't want to pay for an air test to be done so I was let out mt lease and was told free of charge. After moving out *** stated I would need to sign a paper but I never did and when asked about it no response. But soon later was notified about a final statement but that wasn't ever discussed in the agreement I even went back and looked at emails when she was giving me options. This was tge 3rd unit I had stayed in on property and were all 3 mold infested. The man over *** was rude and talked to me badly as well as threaten to evict me.The Acct# is

I resided at the ***. I moved out in the summer of 2015 and resided there for the entire duration of my lease. Upon moving out, I was sent a notice about additional 'cleaning fees'. At the time of my Move-In the apartment was not ready. There were broken blinds and the restroom needed minor repairs. I also had to report a broken thermostat, twice. When I moved out, my mother and I thoroughly cleaned and inspected my apartment before moving out. I would also like to state that after I moved out I never received any calls or letters from the complex notifying about any ill conditions of the apartment. A year later, we received notice from the collection agency. We immediately called *** and addressed the issue, explaining to them how we never got notice of an unclean apartment or anything of that nature. I am reporting this because I am a college student and this has been negatively affecting my credit score for 2 years, even after we called and tried to address the issue.

On 02/09/18, I sent Carter-Young Inc. a written request to validate the debt they claim I
owe in the amount of $113.12 and to delete the listing with all credit bureaus they are
reported this inaccurate info to as this account/debt does not belong to me. I received
correspondence dated 02/19/18 from Carter Young which only provided that the
account is owed in full, a print out of charges, and an EOB statement. As Carter-Young
did not accurately validate the debt per the Fair Debt Collection Practices Act and the
Fair Credit Reporting Act, along with the corresponding local state laws, I sent a follow
up letter to Carter-Young Inc on 02/22/18. This letter again requested competent
validation and advised "a printout of a bill or itemized document does not constitute
verification." I again requested evidence bearing my signature, showing that I have (or
ever had) a contractual obligation to pay Carter-Young. In a letter dated, 03/13/18
from Carter-Young, I received a mere copy of the same correspondence sent to me on
02/19/18 with a statement there is not a duty to provide verification multiple times or
provide verification after the 30-day verification period has expired. In addition, Carter
Young stated they will not respond to any future request. Carter Young-Inc has refused
to sufficiently, accurately, and lawfully validate the debt for which they claim I owe in
the amount of $113.12. Nor have they deleted the inaccurate account information they
are falsely reporting to *** and *** credit bureaus. Furthermore,
my request to provide the name, address, and telephone number of each person who
personally verified this alleged account, so that I can inquire about how they 'verified'
without providing any proof, bearing my signature was also ignored.
Account_Number: XXXXXXX

I sent a certified letter requesting validation of debt and Carter Young Inc has failed to respond to the letter.
I have attempted to verify/validate a debt with Carter-Young via certified mail. On August 31, 2017 I sent a certified letter to Carter Young Inc regarding validation of a debt. The letter had attempted delivery on September 11, 2017 that was unsuccessful. The letter was delivered to an individual on September 13, 2017. To date: March 21, 2018, I still have NOT gotten ANY response from Carter Young Inc. They have not responded.
I have contacted Carter-Young once (via certified mail, USPS) I have asked for verification of the debt to show:
1. this debt is indeed mine
2. Ownership of alleged debt
3. An assignment agreement of alleged debt.
4. A contract with MY signature on it.

I have followed FDCPA guidelines and have established an administrative procedure under the UCC. I have waited 30 days for a response via mail, but have not received any response. This terminates any contract or legal obligation to any debt that has been placed on my credit file.

Furthermore, Carter-Young has no legal authority to damage my person. They have created a contract by using my personal information (i.e ssn) that I have not agreed to. I have no legal contract or obligation to Carter-Young. They have no right to make entries on my credit file.

They have not validated or verified debt at any time. Please remove this derogatory information from my credit file. I will also have to escalate this matter to the CFPB.

Noticed that the collection agency Carter Young sent negative information to two credit reporting agencies *** & *** w/o validation of debt
Ref # XXXXXX
$74.00

You sent a letter demanding $619.26 be paid to you for a 1-year lease on an apartment that ended seven months ago. I believe this to be fraudulent.
A one-year lease was signed for Aug 2016 through Jul 2017. Lease expired on Jul 31, 2017, the same as the move-out date. Final account statement was received and a refund of $585.74 was received. Seven months later, your company issued a letter to collect $619.26 (your Payment Account Code: ***. Never been pursued by a collection agency before, I talked with your agent, Tina, who was assigned to the account. She was extremely rude and hung up on me. She later threatened me by saying if I didn't pay the amount by February 16th, I would owe $800.00. Deadline isn't until February 31st.

Not Licensed to collect in my state

I have reached out to Carter Young regards to the account they have for me from The Bentley at Broad River. I have explained to them that the amount being reported is not correct. I have supplied them with supporting documents to verify the amount that they are reporting is incorrect. After this account was placed in collection the property manager at the time gave me a corrected copy of my balance. For whatever reason the property manager did not update this information with Carter Young before her leaving of the company. So this has been as ongoing battle to get this resolved. After locating the final account statement I was giving,I sent this to the credit bureaus with my dispute. I contact Carter young today January 18, after not hearing from them since they told me they would reach out to the property management and help me get this resolved over a month ago. I spoke with a guy name Mike he had the nerve to tell me that they feel that the documents provided were FORGE so they would not be updating the balance like really I have heard it all. He also claimed they have reached out the original creditor The bentleys at broad river(Intermark Management) and was told that the documents were not genuine. There is no way on earth this can be true because I did not forge any documents this ludicris. I am so upset right now I have never in my life been treated so unfairly before dealing with this company. All I want is for them to report correct and factual information to the credit bureaus.

This is an error listed on my credit report regards to ***. I never stayed there I only applied to see if I was eligible to rent from ***, my Credit itself wasn't enough so the lady had my dad Co-Sign. While waiting for my dad to arrive she had me sign a paper to view the studio apartment. By that time everything went threw and everything came back Denied! So I left a few months recently I tried to apply for a place and they told me the reason I could get approved because I had something on my credit that Was stopping me which was ***. So long story short I was charged for a place I never even got approved for not stayed in. I had no ultilies turned on there. That's proof I've never even stayed there.

I was allowed to move out of an apartment in Greenville SC due to a break in. Keys were returned and deposit was refunded. Later I was contacted by *** in reference to money being collected per the apartment complex. My first initial thought about this money I was told I owed was maybe property damage because of the wall being painted so I made a payment and payment arrangements to pay the balance but after I got off the phone and thought more about it I knew that could not be the case because they the apartment complex were the ones that painted the wall the accent color from there color line because of me renewing my lease. I lived in the complex The Preserves at Woods Lake for 8 years without incident until the break in. After contacting the office I was told that I did not owe any money and that they knew nothing about this debt. With that being said I made no more payments because I was not told from collection the nature of money supposedly owed. A few years later I reviewed my credit report and I see that this debt is still on my report so I dispute the charges unsuccessfully. I again contact the apartment offices and was told they show no debt and know nothing about this debt. Then I find out that its under new management. So at this point I go to the company that was managing the property at the time and they have no knowledge of this debt. And unfortunately that don't have and are not required by law to hold rental records after a certain period of time. In working to pay off any debts that I owe I reached out to *** and again spoke with *** about this debt willing to make and pay a settlement offer at that time and was refused. She contacted me a few weeks later and I'm thinking to make an offer so we can be done with this and again she refused. At that point I told her not to contact me anymore unless it's with a settlement offer. Off and on for years I have been trying to get to the bottom of this with no success.

This collection agency has been reporting on my credit for an apartment complex known as Hill Country Place, located in San Antonio, TX. This property charged rent for the months I did not live there after giving me permission to break my lease with no penalty as long as I found someone to take over my lease. I was a college student at the time attending UTSA during the fall and unfortunate circumstances started happening causing my Mother's health to deteriorate. My mother is a 100% disabled Army veteran that needed me to return home to help care for her. I notified management of this before deciding to transfer to a school closer to home and they claimed to understand my circumstances and agreed to let me out of the lease. This happened in December of 2012 and I am just now finding this collection on my credit report. It's listed as an abandonment of property when there was an agreement in place and keys were turned in. I have contacted lawyers to help me get this issue resolved. After disputing this collection multiple times they have not removed it and it is now causing me problems.

Company is reporting on my credit that I owe them $794. I have never done business with this company nor have I ever had a contract with this company. In addition, I never received any documentation with signatures or notification from this company prior to seeing this company on my credit report. This is a violation of the FCRA because I did not have an opportunity to dispute this fraudulent debt.

The company sent a bill for collection to my address months after a dispute was filed with an associate company.
The company sent a bill to my post office address. The issue was originally brought to the attention of *** at Vue 53 and *** at Peak Campus. Management (*** and ***) informed me that I am responsible for several charges that are inaccurate. *** refused to allow me to complete a proper check out on 4/28/17. I was not provided an alternate time to check out. I do not agree with the charges because management has failed to provide adequate information about the tenant's responsibility to pay gas and electric charges when requested in March 2017. Please note that the bill was switched to *** per Ms. request in January 2017. In addition, gas was not used in the unit from October 2016 to April 2017. Management also states that I damaged the wall in the unit of the apartment. The picture that management sent to me does not reflect damage to wall. Tenants are allowed to hang pictures and other devices on the wall. Management states that the move out reason is "unhappy with management." However, management terminated my lease in January 2017.

This debt collection was added to my credit report back in 2017. I was never a tenant with Tailor Lofts/Carter-Young. I've been fighting to get this removed from my credit ever since. The account does not belong to me.

No Legal Collection Authority on Accounts
Under Georgia law, there are no legal contracts for the accounts. Carter Young Inc. placed two fraudulent collections accounts on my credit reports. I am not acknowledging these debts. I am not going to publicly go into details about matters related to my health care. I asked for Carter Young to prove the alleged debt at least twice and they did not respond as required by law. They have no legal right to maintain the two collection accounts they have. When I brought this to their attention, they refused to delete the accounts or correct my credit reports even though I clearly stated that the debt is not mine and informed them of steps I have taken to prevent further damage. Even though there were no records of providing me with validation as required by law, they still refused to delete the accounts unless I could prove that they never sent validation. How is someone supposed to prove that something was never sent? Unless I could prove a negative, Carter Young refused to do what they are legally required to do - which is delete the fraudulent accounts off of my credit reports and to delete the accounts from their system as they are not mine. Even the person I spoke with admitted that he was not sure how I could prove a negative. What is even more reckless is that the person I spoke with on the phone asked me a question on a recorded phone call (Carter Young Inc. stated they were recording the call) that would require me to speak about my private medical information in order to answer them. This company clearly hopes that you are not legally informed enough to protect yourself and avoids doing what they are legally required to do while demanding you take additional steps beyond what you are legally required to do in hopes that they can try to collect from you regardless of the facts.

I was treated disrespectfully by two dept collectors-like I was a criminal! Very unprofessional and nasty.
I had a medical procedure over a year ago and received a late notice earlier this year. I contacted the Roswell Radiology and they informed me the insurance was incorrectly filed and they would take care of it. Got a notice from Carter-Young recently saying the bill is now in collections. I told them about the insurance situation and the collector's overall response was mistrust and they insisted I get proof. I suggested they reach out to their client, Roswell Radiology, to straighten this out and the collector got snippy and said "no". I contacted Roswell Radiology today and was informed I have a zero balance and called Carter Young back to relay the message. Again,the response was appalling! They said they didn't care that I have a zero balance and I still owed the amount. What?! They were argumentative and unprofessional and clearly didn't want to help me resolved the issue (probably because there's zero incentive for them to do so) Very shady!! I don't ever deal with collection agencies bc I pay my bills on time and I have an excellent FICO score so maybe this is how they all operate. What a horrible business!