What is the most common complaint against Summit Horizon Financial Services?

The most common issue consumers report about Summit Horizon Financial Services is "False statements or representation", specifically "Frequent or repeated calls". This is based on 2 complaints filed with the CFPB.

Are complaints against Summit Horizon Financial Services increasing or decreasing?

Complaints against Summit Horizon Financial Services are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Summit Horizon Financial Services's reputation grade?

Summit Horizon Financial Services has a reputation grade of F (score: 38.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Summit Horizon Financial Services respond to consumer complaints?

Summit Horizon Financial Services has a 0% timely response rate to CFPB complaints.

In how many states does Summit Horizon Financial Services operate?

Summit Horizon Financial Services has received CFPB complaints from consumers in 2 states, with the most complaints from California (1 complaints).

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

Summit Horizon Financial Services - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade F.

Compiled by PlainCollector

False statements or representation

1
Communication tactics

1

Data updated September 2026

CFPB complaint disposition

CCDB record summit-horizon-financial-services Summit Horizon Financial Services

Grade F · 2 CFPB filings · 0% timely · lead issue: False statements or representation · vol #4355 · compose #4994

VOL 2
GRADE F
12MO 0
STATES 2
TIMELY 0%
ISSUE False statements or repres…
RANK #4,355
COMPOSE #4,994

Volume peers

Nearest volume peer: 1 Auto Finance, Inc. (2 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Summit Horizon Financial Services's 2 CFPB complaints sit next to 1 Auto Finance, 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 →

State-heavy filing map

50.0% of Summit Horizon Financial Services's CFPB filings land in California

High volume does not equal a clean composite: Summit Horizon Financial Services is volume #4,355 but composite #4,994, while California dominates the geography. Corpus placement method.

Dominant state: California 50.0%; 1 of 2 filings · 2 states touched
Spike month: 2015-03 50.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #4,355 volume; #4,994 composite; Cleanest-composite ladder is 639 places worse than volume

How does Summit Horizon Financial Services compare to its peers?

How does Summit Horizon Financial Services 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 Horizon Financi… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

50%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-03 2017-04

Issue Detail Breakdown

Issue	Complaints
False statements or representation	1
Communication tactics	1

Where do complaints against Summit Horizon Financial Services come from?

Summit Horizon Financial Services's own per-state count, not a national baseline.

California

1
Indiana

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Summit Horizon Financial Services: 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: 2.

4 peers

Know your rights before responding to Summit Horizon Financial Services: 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.