|
4268743
|
2021-04-03
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Carter-Young, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Other debt
|
| Date Received |
2021-04-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-04-03
|
| Complaint What Happened |
Suddenly they called me for a debit what I had no idea about. They would not tell me anything about the debit until I give/verify them my full SSN. Finally I got the original creditor name from the credit report. I used to live there until XXXX, XXXX and left paid everything. Since then no one XXXX original creditor ) ever claim anything other then this abusive collection agency. The collection agency did not verify the debit with me rather they directly put it to credit report and messed up my credit.
When I contacted the original creditor, that XXXX would not give me any info or even would not talk to me. I had some argument with him long time ago, so I think this way he messed up my credit.
Both the collection agency and the original creditor extremely abusive and XXXX biased. They did not claim/verify/validate the debit but put the claim directly to the credit agencies intentionally to destroy a very young student early credit life.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10220650
|
2024-09-23
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Carter-Young, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-09-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-23
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2465384
|
2017-04-25
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Carter-Young, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2017-04-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-04-25
|
| Complaint What Happened |
Carter-Young cont acted me via collection letter stating I owed XXXX XXXX a debt. XXXX XXXX sued me over the debt and possession of an apartment I did not live in in XXXX . I was a co-signer for the resident of the apartment. When the case went to court, the judge ruled in favor of XXXX XXXX for possession of the apartment ONLY but did not rule in favor of the amount being sued for ( past rent, damages, and attorney fees ). I have sent copies of the judgement to all three credit reporting agencies for proof with one rem oving the collections ( XXXX ). The othe r two still will not remove after multiple attempts. Carter-Young con tinues to report wrongfully as well. Please see attachments for proof. Carter-Young ha s not validated the debt with me either only verified. No one has sent me proof of the debt either. There is already judgement via small claims court for possession not for the debt which the judge denied. XXXX removed the account from my credit reports promptly after seeing the judgment. I have spoke to many lawyers regarding the situation and they state that the plaintiff ( XXXX XXXX ) w on on possession and lost on the rent due, attorney fees, and damages, etc. Why are they able to collect when a judge has already ruled that I am not liable?
|
| Consumer Consent Provided |
Consent provided
|
|
|
9899139
|
2024-08-24
|
False statements or representation
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Carter-Young, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Rental debt
|
| Date Received |
2024-08-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-04
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I had to move out of my apartment earlier than expected due to a XXXX move. I gave the apartment complex the XXXX days notice required for military moves. I thoroughly cleaned the apartment before moving out but was surprised to see a lengthy statement of charges for items that were cleaned, damages that had not occurred and professional cleaning charges that were not in the contract. The charges were as frivolous as a {$15.00} charge for broken lightbulbs that had been recorded as broken at move in. The apartment complex called me and asked for an address, claiming they need to send a check with my full deposit to. However, they did not return my deposit and instead sent me a bill claiming that I owed them additional funds for the fraudulent charges. I know of other XXXX families who have had similar experiences with this apartment complex. I refuse to be coerced into paying.
Separately, the apartment complex likely caused damages with excessively high heating and air conditioning bills : almost certainly due to the apartment not meeting building code for insulation. The management refuses to address these concerns.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4802058
|
2021-10-12
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Carter-Young, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Other debt
|
| Date Received |
2021-10-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-10-12
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5254653
|
2022-02-23
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Carter-Young, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-02-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-02-23
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2059544
|
2016-08-11
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Carter-Young, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-08-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-08-11
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Was contacted by a lawyer representing an apartment leasing company that I had rented from XXXX XXXX to XX/XX/XXXX. They are attempting to collect {$870.00} for XXXX XXXX rent even though I had vacated the property at the end term of the lease. They have threaten to now ruin my credit by not paying them for rent I do not owe them.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8286722
|
2024-02-05
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Carter-Young, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Rental debt
|
| Date Received |
2024-02-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-05
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3042160
|
2018-10-10
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
No
|
| Company |
Carter-Young, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Other debt
|
| Date Received |
2018-10-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-10-10
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Beside the fact that there was no notification given about this debt, this debt collector is not licensed in the State of New York to collect debts. The only license number provided from them is not registered as a licensee with the XXXX XXXX XXXX Department of Consumer Affairs.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3022499
|
2018-09-18
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Carter-Young, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2018-09-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-09-18
|
| Complaint What Happened |
During the XX/XX/XXXX-XX/XX/XXXX I was the guarantor for an apartment for my college bound niece. In XX/XX/XXXX, my niece moved from one apartment to another within the same housing development. I was unaware of this as I did not sign as guarantor for the XX/XX/XXXX-XX/XX/XXXX year. On XX/XX/XXXX I received a collection notice from a collection agency informing that there was an outstanding balance of {$270.00} owed to the housing development. There was no explanation of the charges, only the amount due. The letter also indicated that it was a final notice ; yet it was the first that had ever been sent to me. The letter stated that full payment needed to be received by XX/XX/XXXX. With one day left to get information about this letter, I immediately called the phone number provided. When I asked why this debt hadn't been collected prior to my niece moving from one apartment to another, the agent had not been aware that a move had occurred. My issue is that before my niece signed a new lease and moved into a new apartment, any outstanding debt she owed should have been collected. It was the error of the management company to allow her to sign a new lease, then a year later try to collect on this debt and not inform me prior to this final collection notice. I was very upset and requested proof of this debt in writing. The agent also became very upset because I expressed how little she knew about the account for which she was trying to collect this debt, and she transferred me to her manager. I refused to explain the entire situation again and just requested proof of the debt in writing once more. The XXXX asked for my e-mail address which I provided for her and the call ended. On XX/XX/XXXX I received an alert that my credit score had decreased by XXXX points. I was never given any notice of this debt prior to this single letter. My credit score was decreased before I had a chance to review proof of the debt which I didn't receive via e-mail until XX/XX/XXXX ; 7 business days after I had requested it.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4961918
|
2021-11-30
|
Written notification about debt
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Carter-Young, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
I do not know
|
| Date Received |
2021-11-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-11-30
|
| Consumer Consent Provided |
Consent not provided
|
|
