Debt collection -- False statements or representation -- Complaint #4965226
Complaint Overview
Complaint ID: 4965226
Company: Carter-Young, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Maryland
ZIP Code: 20743
Date Received: 2021-12-01T12:00:00-05:00
Date Sent to Company: 2021-12-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I live in Washington XXXX DC. In 2018, while my son was attending XXXX XXXX, he asked me to cosign an apartment for him. I agreed to do so, and electronically signed an agreement with XXXXXXXX XXXX XXXX XXXX XXXX in XXXX SC on or about XX/XX/2018. However, after researching rent rates in the area, my son decided not to take the apartment. While checking my credit last year, I noticed a debt for XXXX owed to Carter-Young Associates . Once I discovered the mark on my credit report, I reached out to the Apartments first. Apparently they have charged me 2 months rent even though neither of us have never set foot in their apartment. As far as I know, he never even put down a deposit. When I expressed my displeasure with this policy, they referred me to Carter Young and stopped taking my phone calls. It feels as though I am being taken advantage of. They have to know a college student wouldn't be able to afford these rates. It seems they are charging the same price as a 2 bedroom apartment for a room. My agreeing to cosign was contingent upon my son accepting the apartment. If he doesn't take it, how are either of us still responsible for rent? I could understand some type of cancellation fee, but 2 months rent is ridiculous.
Frequently Asked Questions
What is Complaint #4965226 about?
Complaint #4965226 was filed against Carter-Young, INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2021-12-01T12:00:00-05:00.
How did Carter-Young, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Carter-Young, INC.?
Yes, visit the Carter-Young, INC. company profile at readthecomplaint.com/company/carter-young-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.