This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 430 complaints

Summit A*R, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 35 states, reputation grade D.

Complaints by issue type

What consumers report about Summit A*R, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record summit-a-r-inc Summit A*R, Inc.

Grade D · 430 CFPB filings · 97% timely · lead issue: Attempts to collect debt not owed · vol #309 · compose #181

  • VOL 430
  • GRADE D
  • 12MO 240
  • STATES 35
  • TIMELY 97%
  • DISPUTE 18%
  • ISSUE Attempts to collect debt n…
  • RANK #309
  • COMPOSE #181

Volume peers

Nearest volume peer: Sentry Credit, Inc. (427 complaints)

American Honda Finance CorpAmerican Honda Finance Corp425Sentry Credit, Inc.Sentry Credit, Inc.427Summit A*R, Inc. (this)Summit A*R, Inc. (this)430AmerAssist A/R Solutions, Inc.AmerAssist A/R Solutions, In…435Nationstar Mortgage LLCNationstar Mortgage LLC437
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Summit A*R, Inc.'s 430 CFPB complaints sit next to Sentry Credit, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 430 complaints break down

Every complaint issue type on record for Summit A*R, Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
54.3/100
Summit A*R, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
430
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
97%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
18%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

Florida is the plurality state for Summit A*R, Inc. (23.3%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
Florida 23.3%
Mid-band (15–30%) · 35 states with ≥1 filing
Seasonal peak
2023-06 8.1%
8–15% band · 21 filings
Corpus ranks
#309 volume
#181 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Summit A*R, Inc. compare to its peers?

How does Summit A*R, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Summit A*R, Inc. National average
Complaints (last 12 mo)lower is better
240
18
268
Timely-response ratehigher is better
97%
96%
91%
Consumer-dispute ratelower is better
18%
7%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Summit A*R, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 20%40%60%80%100%120% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Summit A*R, Inc. vs. 8 similar-volume peers, by response speed and dispute rate Summit A*R, Inc.Sentry Credit, Inc.AmerAssist A/R Solutions, Inc.AMERICAN HONDA FINANCE CORPPlatinum Holdings Group, LLCNATIONSTAR MORTGAGE LLCDirect Recovery Services, LLCDesigned Receivable Solutions, Inc.Kinum, Inc., Indianapolis, IN Branch
Source: CFPB Consumer Complaint Database

Summit A*R, Inc.'s complaint volume in context

Summit A*R, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

430 Top 6% higher than 94% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Summit A*R, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
2022-08 2025-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
218
Written notification about debt
81
Took or threatened to take negative or legal action
54
False statements or representation
50
Communication tactics
14
Cont'd attempts collect debt not owed
5
Threatened to contact someone or share information improperly
5
Disclosure verification of debt
2
Improper contact or sharing of info
1

Where do complaints against Summit A*R, Inc. come from?

Summit A*R, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Summit A*R, Inc.

Across 35 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Summit A*R, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 430.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 96.61538461538461%.

4 peers

Know your rights before responding to Summit A*R, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.