Total CFPB complaints
14
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 14 complaints
Summit Collection Services, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 7 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Summit Collection Services, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
5 complaints
- Written notification about debt
Written notification about debt
3 complaints
- Communication tactics
Communication tactics
3 complaints
- False statements or representation
False statements or representation
2 complaints
- Cont'd attempts collect debt not owed 1
Cont'd attempts collect debt not owed
1 complaints
C
Grade C · 61.3/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Summit Collection Services, Inc.?
Summit Collection Services, Inc. has accumulated 14 total CFPB complaints across 7 states, with 4 filed in the most recent 12 months against 10 historical complaints before that window. The trailing-12-month volume represents 28.6% 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 was paid", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 93% timely-response rate against a 50% 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 7 states, led by New Jersey with 6 and Pennsylvania with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 61.3/100 places Summit Collection Services, Inc. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
4
28.6% of total history
Rising ↑
States active
7
Distinct state filings
Timely response rate
93%
Within CFPB SLA window
Consumer disputes
50%
After company response
Reputation grade
C
61.3/100 composite
Response-quality profile
How Summit Collection Services, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 92.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 100.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 12.5%
Share of US states + territories with at least one filed complaint against this collector.
How does Summit Collection Services, Inc. compare to its peers?
Summit Collection Serv… 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)
2015-06 2025-09
Top Consumer Issues
Attempts to collect debt not owed5 (%)
Written notification about debt3 (%)
False statements or representation2 (%)
Communication tactics3 (%)
Cont'd attempts collect debt not owed1 (%)
Most common issue: Attempts to collect debt not owed — Debt was paid
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 was paid | 3 |
| Written notification about debt | Didn't receive enough information to verify debt | 3 |
| False statements or representation | Attempted to collect wrong amount | 2 |
| Communication tactics | Frequent or repeated calls | 2 |
| Attempts to collect debt not owed | Debt is not yours | 2 |
| Cont'd attempts collect debt not owed | Debt was paid | 1 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
Where do complaints against Summit Collection Services, Inc. come from?
The states where consumers have filed the most CFPB complaints against Summit Collection Services, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Summit Collection Services, Inc.
Across 7 states with at least one filing
- New Jersey
New Jersey
6 complaints
- Pennsylvania 2
Pennsylvania
2 complaints
- Michigan 2
Michigan
2 complaints
- Washington 1
Washington
1 complaints
- South Carolina 1
South Carolina
1 complaints
- Texas 1
Texas
1 complaints
- New York 1
New York
1 complaints
Frequently Asked Questions
What is the most common complaint against Summit Collection Services, Inc.? ▼
The most common issue consumers report about Summit Collection Services, Inc. is "Attempts to collect debt not owed", specifically "Debt was paid". This is based on 14 complaints filed with the CFPB.
Are complaints against Summit Collection Services, Inc. increasing or decreasing? ▼
Complaints against Summit Collection Services, Inc. are rising. The company received 4 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Summit Collection Services, Inc.'s reputation grade? ▼
Summit Collection Services, Inc. has a reputation grade of C (score: 61.3/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Summit Collection Services, Inc. respond to consumer complaints? ▼
Summit Collection Services, Inc. has a 93% timely response rate to CFPB complaints. Consumers disputed the company's response in 50% of cases.
In how many states does Summit Collection Services, Inc. operate? ▼
Summit Collection Services, Inc. has received CFPB complaints from consumers in 7 states, with the most complaints from New Jersey (6 complaints).
What can I do if Summit Collection Services, 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 Collection Services, 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 |