Total CFPB complaints
325
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 325 complaints
Summit A*R, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 33 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Summit A*R, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
159 complaints
- Written notification about debt 60
Written notification about debt
60 complaints
- False statements or representation 40
False statements or representation
40 complaints
- Took or threatened to take negative or legal action 37
Took or threatened to take negative or legal action
37 complaints
- Communication tactics 7
Communication tactics
7 complaints
- Threatened to contact someone or share information improperly 3
Threatened to contact someone or share information improperly
3 complaints
D
Grade D · 56.9/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Summit A*R, Inc.?
Summit A*R, Inc. has accumulated 325 total CFPB complaints across 33 states, with 177 filed in the most recent 12 months against 148 historical complaints before that window. The trailing-12-month volume represents 54.5% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 97% timely-response rate against a 18% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 33 states, led by Florida with 81 and Texas with 44, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.9/100 places Summit A*R, Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
177
54.5% of total history
Rising ↑
States active
33
Distinct state filings
Timely response rate
97%
Within CFPB SLA window
Consumer disputes
18%
After company response
Reputation grade
D
56.9/100 composite
Response-quality profile
How Summit A*R, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 96.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 36.4%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 58.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Summit A*R, Inc. compare to its peers?
Summit A*R, Inc. National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed159 (%)
Written notification about debt60 (%)
Took or threatened to take negative or legal action37 (%)
False statements or representation40 (%)
Communication tactics7 (%)
Threatened to contact someone or share information improperly3 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 110 |
| Written notification about debt | Didn't receive enough information to verify debt | 38 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 37 |
| False statements or representation | Attempted to collect wrong amount | 36 |
| Attempts to collect debt not owed | Debt was result of identity theft | 34 |
| Written notification about debt | Didn't receive notice of right to dispute | 22 |
| Attempts to collect debt not owed | Debt was paid | 15 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 7 |
| False statements or representation | Indicated you were committing crime by not paying debt | 4 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 3 |
Where do complaints against Summit A*R, Inc. come from?
The states where consumers have filed the most CFPB complaints against Summit A*R, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Summit A*R, Inc.
Across 33 states with at least one filing
- Florida
Florida
81 complaints
- Texas
Texas
44 complaints
- California
California
36 complaints
- Georgia 23
Georgia
23 complaints
- Virginia 13
Virginia
13 complaints
- Ohio 12
Ohio
12 complaints
- Illinois 11
Illinois
11 complaints
- Arizona 10
Arizona
10 complaints
Frequently Asked Questions
What is the most common complaint against Summit A*R, Inc.? ▼
The most common issue consumers report about Summit A*R, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 325 complaints filed with the CFPB.
Are complaints against Summit A*R, Inc. increasing or decreasing? ▼
Complaints against Summit A*R, Inc. are rising. The company received 177 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Summit A*R, Inc.'s reputation grade? ▼
Summit A*R, Inc. has a reputation grade of D (score: 56.9/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Summit A*R, Inc. respond to consumer complaints? ▼
Summit A*R, Inc. has a 97% timely response rate to CFPB complaints. Consumers disputed the company's response in 18% of cases.
In how many states does Summit A*R, Inc. operate? ▼
Summit A*R, Inc. has received CFPB complaints from consumers in 33 states, with the most complaints from Florida (81 complaints).
What can I do if Summit A*R, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Summit A*R, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |