Summit A*R, Inc.

I am filing a complaint against this collection agency for failing to properly validate an alleged debt. After being contacted, I sent an email asking them to provide verification and proof of the debt. Instead of providing documentation, they simply responded by they the debt is yours and its been about XXXX months and they stopped replying to my email and this is hurting my life cause they destroyed my credit score

On XX/XX/2026, I emailed the collection agency requesting verification of the debt as required under the Fair Debt Collection Practices Act. XXXX weeks later ( approximately XX/XX/2026 ), a representative named XXXX XXXX called requesting settlement. When I mentioned I had sent a verification request via email, he claimed they never received it and asked me to resend it. I immediately forwarded the original email. XXXX XXXX agreed to call me that Friday to discuss settlement terms. He did NOT call on Friday as promised. Instead, I received a threatening email from XXXX XXXX claiming he had " called me multiple times '' but I didn't answer, and demanding I " remit full payment immediately. '' I checked my phone call logs - there were XXXX missed calls from this agency or number. This was a false statement. I attempted to call back multiple times but could not reach anyone. Today ( Monday, XX/XX/2026 ), I finally reached XXXX XXXX.…

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I am disputing a {$2200.00} collection account reported by Summit Account Resolution that I do not recognize and did not authorize. I have no recollection of ever doing business with this company. I did rent a car over a year ago, but I have not received any documentation connecting that rental to this alleged debt. I previously disputed this account with a credit bureau over XXXX days ago, and it remains on my credit report without proper validation. I am requesting full validation of this debt, including signed documentation, rental agreement details, and proof that this debt belongs to me. If this can not be provided, I request immediate removal from all credit reporting agencies. This inaccurate account is negatively impacting my credit.

In XXXX, XXXX XXXX XXXX XXXX XXXX ( the original creditor ) demanded a payment of XXXX USD from me. In XX/XX/year>, I submitted a claim with my insurane company and forwarded the claim number to the original creditor. On XX/XX/year>, I received the last communication from the original creditor, with the message : " Thank you for providing your claim information. We have sent the bill to your coverage provider and will correspond with them directly regarding this matter. Should we need additional information from you, we will contact you. '' This email, along with prior email communications with the creditor, are attached. I have never received any communication from the original creditor ever since. On XX/XX/year>, I received a debt collection letter ( attached ) in my email XXXX, regarding this issue from XXXX XXXX XXXX XXXX XXXX ( the debt collector ), who later also reported this information to Credit Reporting Agencies.…

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I signed up for the app and tried out the trainer. I didnt like him so I asked for another one. They told me that they didnt have any others in the area. That was misrepresentation on their part as I was signing up for personal training that had a CHOICE of providers. I told them I felt like that was fraud and I did t owe them the XXXX XXXX Then it hit my credit at $ {$4100.00}!!! This company lies and misrepresents the actual services that ypure getting.

Re : Dispute of Employment Information Due to Identity Theft Dear [ XXXX or HR Department ], I am writing to formally dispute the employment information you have on file for me, as I believe it may be the result of identity theft or an error. Under 15 U.S.C. 1681c-2, I am entitled to dispute and request the removal of any fraudulent or inaccurate information that may be adversely affecting my employment history.

I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

I am submitting this complaint regarding an alleged debt that I dispute as invalid and improperly reported. Following a rental vehicle incident, the damage was processed through my insurance company, which paid {$6300.00} as reasonable and customary repair costs. The remaining balance of approximately {$1600.00} consists of charges such as loss of use, depreciation, and administrative fees, which my insurer determined to be excessive and above reasonable market rates, and therefore not payable. Furthermore, the damage was limited to the front passenger-side door. It is unreasonable that such limited damage would result in such high additional charges. These fees lack sufficient justification and should not be my responsibility. XXXX XXXX XXXX XXXX Account info Account name SUMMIT A * R Account number XXXX Account type Collection Responsibility Individual Interest type - Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX.…

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Dear Sir or Madam, I am submitting this complaint regarding a disputed vehicle damage claim by XXXX XXXXXX/XX/XXXXXXXX, which is currently being pursued for collection despite the absence of documentation establishing that any damage occurred during our rental period. Disputed Amount : {$390.00} The vehicle was returned to XXXX XXXXXX/XX/XXXX XXXX on XX/XX/scrub> 2025. At the time of return, the vehicle was inspected by XXXX personnel and accepted without issue. No damage was reported, and no documentation indicating damage was presented to or signed by us. On XXXX XXXX, 2025, XXXX ( XXXX ) days after the vehicle was returned, we received the first notification alleging damage. This was the initial and only point at which any damage was raised. No explanation was provided as to how damage identified more than XXXX weeks after return could reasonably be attributed to our rental period.…

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Summit A * R Re : Debt Validation Request Account Number : XXXX To Whom It May Concern, I am writing regarding the account referenced above that you are reporting on my credit report. I dispute this account in its entirety and state that I do not owe this alleged balance. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this alleged debt. Please provide competent evidence that I have a legal obligation to pay this account, including but not limited to : - The original creditors name and address - A copy of the original contract or agreement bearing my signature - A full accounting of the alleged debt - Proof that Summit A * R has the authority to collect this debt If you can not provide the requested validation, you must immediately delete this account from all credit reporting agencies. You are hereby given 14 days from receipt of this letter to either provide proper validation or delete this account from my credit report.…

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DatesXXXX Amount : XXXX Complaint against : Summit Account Resolution I am filing this complaint regarding an incorrect debt collection related to a rental car damage claim from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX The alleged damage existed before I rented the vehicle. I notified the rental company at the time and provided evidence showing that the damage occurred prior to my possession of the vehicle. Despite providing documentation, the claim was improperly sent to collections through Summit Account Resolution and reported to the credit bureaus. I dispute this debt entirely because I did not cause the damage. I am requesting that Summit Account Resolution and XXXX provide full validation of this debt, including the pre-rental inspection report, photographs of the vehicle before and after my rental, and itemized repair invoices.…

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I rented a vehicle from XXXX in XXXX for XXXX days and returned it with no damage. A few weeks later, I received an email from XXXX claiming {$820.00} in damage. When I logged into my XXXX account, there was no record of any damage claim, charges, or documentation. Because the claim appeared fraudulent, I did not respond. Later, I received another email stating the matter was being turned over to a collection agency. I then received an email and phone call from Summit A * R attempting to collect the alleged debt. They have provided no documentation, no photos, no repair invoices, and no proof that any damage occurred. This appears to be an unsubstantiated or fraudulent postrental damage claim. I am requesting that the CFPB require XXXX and Summit A * R to provide full documentation or cease all collection activity. I also request that no negative information be reported to any credit bureau.

I rented a car with XXXX XXXX XXXX XXXXXX/XX/XXXX to XX/XX/XXXX. When I returned the car, a representative was present and stated we are good to go. The representative did not notify me of alleged damage upon acceptance of the vehicle. I received a return receipt by email on XX/XX/XXXX with no mention of damage. It was not until 3 days later on XX/XX/XXXX I received an email regarding suspected damage, and filled out a form specifying this damage was not present at any point during my rental, therefore I did not mark it on the required form at the start of the rental period. Because I was not contacted regarding any damage until several days after the return, I was unable to verify or contest the claim at the time the vehicle was surrendered. It was not until over a month later, XX/XX/XXXX that I received a damage report with pictures of the damage that did not contain any time stamps.…

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I rented a vehicle from XXXX XXXX XXXX XXXX on XX/XX/year>. XXXX later issued a damage claim totaling {$1100.00}, which included {$870.00} for repairs, {$25.00} appraisal cost, and {$210.00} labeled as Diminution of Value.. Despite repeated requests via email back-and-forth, this was not provided. I do not dispute the repair and appraisal costs. In good faith, I paid {$890.00} via certified mail on XX/XX/year> for those undisputed amounts. However, I formally disputed the {$210.00} Diminution of Value ( DV ) charge because it is not authorized or defined in the rental agreement. I requested contractual support and valuation documentation in writing and asked that all communication be sent by postal mail. I received no documentation or written response. Despite this, the {$210.00} disputed amount was placed with Summit A * R and reported to credit bureaus as an unpaid collection account.…

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I am disputing a collection account being reported on my credit related to an alleged vehicle damage claim from XXXX XXXX a XXXX. The original creditor, XXXX, asserted a {$1400.00} damage claim months after I returned a rental vehicle. At the time of return, the vehicle was inspected and no damage was noted. I received a clean return receipt. No contemporaneous inspection report or timely notice of damage was provided. Despite the lack of substantiated evidence that the damage occurred during my rental period, the alleged balance was placed with a collection agency and reported to my credit. I dispute this debt and do not accept legal responsibility for it. The claim is based on a delayed and unsubstantiated damage allegation. The documentation provided consists only of unclear photographs and does not demonstrate that the damage occurred while the vehicle was in my possession.…

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I am submitting a complaint regarding XXXX XXXX XXXX for improper collection activity and inaccurate credit reporting related to a disputed vehicle damage claim from XXXX XXXXXXXX XXXX XXXX I rented a vehicle from XXXX and returned it on XX/XX/2025 at XXXX XXXX XXXX. At return, a superficial cosmetic scratch was noted on the vehicle. However, neither XXXX nor XXXX XXXX has ever provided any evidence establishing the vehicles condition at the time of pickup. No pickup inspection report or time-stamped photographs demonstrating that the scratch did not exist prior to my rental have been provided. After return, XXXX sent a damage claim and later referred the matter to XXXX XXXX XXXX. I disputed the claim directly with both XXXX and XXXX XXXX and requested validation. While an invoice was provided, it does not establish causation, does not demonstrate that the cosmetic scratch exceeds normal wear and tear, and does not prove that the repair was necessary or actually performed.…

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Summon A * R, inc charges me XXXX I dont know why? I remember renting a car from XXXX rental car got in a accident but I wasnt at fault I can get the police report and report from XXXX and the rental had full coverage, I disputed they would not take it off please do an investigation about this because its really stressful can get a home SUMMIT A R XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/2026 Summit A * R XXXX XXXX XXXX XXXX, MN XXXX Dear Sir/Madam, I am writing to formally dispute the alleged debt that your agency claims I owe, as reported on my credit report. I have never been notified of this debt or any collection action prior to discovering it on my credit report. After conducting research, I have learned that SUMMIT A * R. is not licensed to operate as a debt collector in the state of Georgia. Therefore, I believe this alleged debt does not belong to me, and any attempt to collect on it is both unauthorized and unlawful. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide, at a minimum, the following documentation to verify the validity of this alleged debt : An agreement showing that you have legal authority to collect on this alleged debt. An agreement signed by the alleged debtor, containing promises to pay the original creditor.…

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What happened : On XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX location to rent a XXXX XXXX XXXX. I was assigned rental contract XXXX for vehicle XXXX During the rental process, the XXXX agent encountered a system error that prevented him from directly assigning me the XXXX XXXX XXXX XXXX To work around this system limitation, he temporarily added a different vehicle, XXXX, to my account in the computer system, then immediately removed it so he could properly assign me the XXXX XXXX XXXX that I actually wanted to rent. I never received keys to XXXX, never took possession of it, never drove it, and had absolutely no contact with this vehicle whatsoever. This was purely an administrative workaround by the XXXX employee to fix a problem with XXXX 's computer system. I drove only the XXXX XXXX XXXX throughout XXXX entire rental period from XX/XX/XXXX, through XX/XX/XXXX ( through subsequent contract renewals XXXX and XXXX ).…

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Collection account added by Summit A * R to credit report on XXXX XX/XX/XXXX without any type of notice. Found on XXXX XX/XX/XXXX after noticed XXXX score dropped XXXX points. Check Summit A * R info and found there is a amount related to XXXXXXXX XXXX XXXX XXXX of {$1000.00}. Used to rent a car from XXXX in XX/XX/XXXX. XXXX on XXXX XX/XX/XXXX. Received a damaged report on XXXX XX/XX/XXXX. Replied on XXXX XXXX explained not responsible. Received XXXX invoice of rental on XXXX XX/XX/XXXX stated the rental was finished and payment has fully prepaid. ( All back by emails in mailbox ) Never received any email or contact from XXXX concerning any debt since XXXX XX/XX/XXXX. Never contacted by Summit A * R nor noticed received. High credit score with not once late payment had been devastated. Summit A * R is taking illegal tactic of Debt Parking.

I am disputing a debt being collected by Summit A * R on behalf of XXXX XXXX XXXX XXXX XXXX SAP related to an alleged vehicle damage claim from a rental in Florida. XXXX alleged I caused damage to a wheel rim during my rental. When XXXX initially sent links to view the alleged damage, the claim stated the rim was cracked and included XXXX set of photographs. I immediately disputed that allegation. Approximately XXXX month later, XXXX followed up with a different allegation, stating the rim was scratched, supported by different photographs. I again denied causing any damage and requested copies of all photographs used to support the claim. XXXX refused to provide copies of the photographs despite repeated requests. The car was in visibly worn condition, and XXXX has never provided pre-rental and post-rental inspection photos showing that the alleged damage occurred during my rental period. XXXX XXXX * R subsequently sent a collection notice for {$450.00}.…

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I am filing a complaint against XXXX XXXX XXXX XXXX and Summit AR. XXXX submitted a {$1100.00} damage claim ( Summit Claim No. XXXX ) for a rim scratch I did not cause. XXXX has provided no evidence : no photos, no chain-of-custody documentation, and the repair invoice seems extremely high for a rim scratch. Despite this lack of documentation, XXXX forwarded the claim to Summit AR, who then reported it to the credit bureaus without validating the debt. This violates FDCPA and FCRA requirements and has already harmed my credit score. I request : XXXX provide documentation or withdraw the claim Summit AR cease all collection activity without validation Removal of all inaccurate credit reporting An investigation into the actions of both parties I am an Oregon resident and am invoking protections under FDCPA, FCRA, and ORS 646.639.

I am disputing a {$320.00} damage claim that XXXX Rent A Car referred to Summit A * R for collection. I rented a XXXX XXXX ( rental agreement # XXXX ) from XXXX at XXXX XXXX XXXX from XXXX XXXX, XXXX. After the rental, XXXX claimed I had caused a scratch to the front driver-side rim. I did not cause this damage. The damage was already present when I picked up the vehicle. I noticed the damage when I picked up the car, but considered it minor and didn't feel a need to report it. I told XXXX this repeatedly in writing and asked for time-stamped photos showing the rim before my rental. XXXX admitted that they do not take photos of vehicles at checkout and has never produced any pre-rental photographic evidence that the rim was undamaged before I received the car. XXXX then referred the claim to Summit A * R.…

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XXXXCFPB DISPUTE LETTERXXXXRe: Dispute of Inaccurate Credit Reporting and Improper Collection of Rental Car Traffic CitationXXXXTo: Consumer Financial Protection Bureau (CFPB)\nFrom: XXXX XXXX\nDate: 1XXXXSubject:\nDispute of inaccurate and unverified credit reporting by a third-party debt collector related to a car rental traffic citation; request for removal, investigation, and compensation for credit harm.\n\nDear CFPB Representative,\n\nI am submitting this formal dispute regarding an inaccurate, unverified, and improperly reported collection account that appeared on my credit report. The alleged debt is connected to a traffic citation involving a rental car in XXXX, Maryland in XXXX XXXX. I was never properly notified of the citation, any associated fees, or any collection activity prior to negative credit reporting.\n\n1.…

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I am writing to formally dispute a claim made by XXXX regarding company equipment that I lawfully returned upon ending my employment. XXXX scheduled a XXXX pickup for the return of their equipment, which included a monitor. I complied fully with their instructions and returned the equipment through XXXX, signing off the package at pickup. Despite this, XXXX is now falsely claiming that the equipment was never received. XXXX confirmed that the package was picked up, and I completed all steps required by the company. XXXX has failed to provide any XXXX pickup logs or documentation to support their claim. This false report is inaccurate and unfairly damages my record. I request that this matter be investigated and that any negative information reported by XXXX regarding this situation be removed from my credit and/or employment records immediately in accordance with the Fair Credit Reporting Act ( FCRA ). Please contact me if further documentation is needed.…

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I am filing this complaint because a collection account is being inaccurately reported on my credit report by Summit A * R, claiming I owe a balance to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The reported balance is {$300.00}. I disputed this account directly with Experian, but they reported back that the account was verified. However, neither Experian nor Summit A * R has provided any documentation, signed agreement, or billing statement verifying this debt. This appears to violate my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which requires a reasonable investigation and proper verification of disputed information, as well as the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), which requires debt collectors to provide written validation of the debt upon request.

Im disputing the alleged debt that Summit AR Inc claims I owe in connection with XXXX XXXX XXXX, reference number XXXX, for a stated balance of {$2300.00}. This amount is completely inconsistent with the actual balance shown by XXXX XXXX XXXX, which was {$920.00}. I received the notice from Summit AR Inc on XX/XX/year>, and it immediately raised red flags because the figures and documents do not match what I previously received directly from XXXX. I believe this debt has been inflated or reported incorrectly. I want a full validation of the claimed balance, including a copy of any signed agreement, itemized billing, and proof that this account belongs to me. Until this verification is provided, I am disputing the debt in its entirety. The notice from Summit does not match the original creditors information, which makes this situation appear inaccurate and possibly a reporting error.…

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I rented a car from XX/XX/XXXX from XXXXXXXX XXXX XXXXXXXX in XXXX Oregon XXXX XXXX I returned the car and no problems were noted. I was not in any accidents or had any incidents happen while I rented the car. On XX/XX/XXXX I received a call from Summit Debt Collection Agency and they said I owed {$1100.00} for a scratch found by XXXX photos taken by XXXX. They also said that XXXX had sent me XXXX emails to this effect. i initially thought they were scamming me and hung up. I then called XXXX and indeed they are claiming damage. Subsequently, I found the emails in my junk folder. I am disputing the damage as I had no problems while driving the car. I found multiple complaints online about this behavior and XXXX had also settled a class action lawsuit for behavior like this for around XXXX XXXX dollars but they are still doing this same behavior. I am protesting the damage claim in general and also how I was informed of the claim.…

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Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

CFPB Complaint False Credit Reporting by Summit AR and XXXX XXXX I am filing this formal complaint against Summit AR ( a collections agency representing XXXXXXXX XXXXr ) and XXXXXXXX XXXX for unlawfully damaging my credit profile by reporting a debt I do not owe or recognize. This has resulted in derogatory marks on my previously excellent credit history, and I request immediate intervention under the Fair Credit Reporting Act ( FCRA ) to delete all negative information from XXXX, XXXX, and XXXX, with no collection or charge-off remaining, open or active. Key Facts of the Dispute : In XXXX, the vehicle in question was rented under XXXX XXXX 's XXXX Plus subscription model ( Subscription ID : XXXX ) a corporate monthly subscription leased exclusively to Debt XXXX XXXX XXXX XXXX XXXX the sole contracting party.…

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