Total CFPB complaints
22
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 22 complaints
Summit Financial Corp. — Debt Collector Complaint Profile
CFPB complaint profile across 6 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Summit Financial Corp.
- Attempts to collect debt not owed
Attempts to collect debt not owed
9 complaints
- False statements or representation
False statements or representation
4 complaints
- Written notification about debt 2
Written notification about debt
2 complaints
- Improper contact or sharing of info 2
Improper contact or sharing of info
2 complaints
- Threatened to contact someone or share information improperly 1
Threatened to contact someone or share information improperly
1 complaints
D
Grade D · 52.6/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Summit Financial Corp.?
Summit Financial Corp. has accumulated 22 total CFPB complaints across 6 states, with 0 filed in the most recent 12 months against 22 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 41% timely-response rate against a 0% 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 6 states, led by Florida with 13 and Georgia with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 52.6/100 places Summit Financial Corp. 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
0
0.0% of total history
Stable →
States active
6
Distinct state filings
Timely response rate
41%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
D
52.6/100 composite
Response-quality profile
How Summit Financial Corp. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 40.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 10.7%
Share of US states + territories with at least one filed complaint against this collector.
How does Summit Financial Corp. compare to its peers?
Summit Financial Corp. 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)
2015-01 2021-04
Top Consumer Issues
False statements or representation4 (%)
Attempts to collect debt not owed9 (%)
Written notification about debt2 (%)
Threatened to contact someone or share information improperly1 (%)
Improper contact or sharing of info2 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
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 |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 3 |
| Attempts to collect debt not owed | Debt was paid | 3 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 2 |
| Attempts to collect debt not owed | Debt is not yours | 2 |
| Attempts to collect debt not owed | Debt was result of identity theft | 2 |
| Written notification about debt | Didn't receive enough information to verify debt | 2 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 1 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 1 |
| Improper contact or sharing of info | Contacted employer after asked not to | 1 |
| Improper contact or sharing of info | Talked to a third party about my debt | 1 |
Where do complaints against Summit Financial Corp. come from?
The states where consumers have filed the most CFPB complaints against Summit Financial Corp.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Summit Financial Corp.
Across 6 states with at least one filing
- Florida
Florida
13 complaints
- Georgia 3
Georgia
3 complaints
- Nevada 2
Nevada
2 complaints
- Missouri 1
Missouri
1 complaints
- New York 1
New York
1 complaints
- Alabama 1
Alabama
1 complaints
Frequently Asked Questions
What is the most common complaint against Summit Financial Corp.? ▼
The most common issue consumers report about Summit Financial Corp. is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 22 complaints filed with the CFPB.
Are complaints against Summit Financial Corp. increasing or decreasing? ▼
Complaints against Summit Financial Corp. have been stable. The company received 0 complaints in the last 12 months.
What is Summit Financial Corp.'s reputation grade? ▼
Summit Financial Corp. has a reputation grade of D (score: 52.6/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Summit Financial Corp. respond to consumer complaints? ▼
Summit Financial Corp. has a 41% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does Summit Financial Corp. operate? ▼
Summit Financial Corp. has received CFPB complaints from consumers in 6 states, with the most complaints from Florida (13 complaints).
What can I do if Summit Financial Corp. 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 Financial Corp. 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 |