Summit A*R, Inc.

After I returned my rental vehicle, I was accused of causing damage that I did not cause. See the photo belowthe alleged damage was a scratch on the rim that was less than half an inch long, and it was already there before we picked up the vehicle. I asked if they could provide pictures of the rim before and they can not furnish any pictures. Based on how the situation unfolded, I was left with the impression that the inspection process was focused on finding reasons to charge customers rather than fairly evaluating the condition of the vehicle. We drove the car to visit my grandparents in XXXX Indiana, where there weren't even any curbs. Once we arrived at their house, the vehicle remained parked until we drove it back to the airport. Despite explaining this and disputing the claim, the matter was eventually turned over to a debt collection agency. The entire process was stressful, frustrating, and left me feeling that I was treated unfairly.…

On XX/XX/XXXX, I was contacted by Summit A * R attempting to collect a debt of {$750.00} on behalf of XXXX XXXX XXXX XXXX XXXX for an alleged vehicle damage claim. I disputed this debt immediately and requested validation. The underlying damage claim arises from a vehicle I returned tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX own attendant conducted a return inspection in my presence, found no damage, and released me with no damage noted. XXXX sent a damage notification the same day with no photographs, no description of damage, and no dollar amount. I disputed the claim in writing the following day and demanded timestamped photographic evidence on XXXX separate occasions between XX/XX/XXXX and XX/XX/XXXX. XXXX never produced any evidence in response to any of those demands. Without ever providing evidence, XXXX referred the debt to Summit A * R for collection.…

I am filing this complaint against Summit A * R ( XXXX XXXX XXXX regarding a collections account they are reporting on behalf of XXXX XXXX XXXX XXXX XXXX for {$500.00}. This debt stems from a disputed rental car damage claim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX own XXXX XXXX is dated XX/XX/year> XXXX days before I returned the vehicle on XX/XX/year>. That same document shows their employee signed off stating " No Issues '' and " XXXX XXXX. '' XXXX has admitted in writing they do not photograph vehicles at checkout. Additionally, I have located a XXXX automated email dated XX/XX/year> stating they contacted me about damage " after you returned the vehicle. '' I had not returned the vehicle on XX/XX/XXXX. This proves either the damage was pre-existing or XXXX 's automated system generates damage claims before returns occur. No inspection was conducted in my presence at return. I was not notified of damage until 17 days after return.…

am disputing a collection account that Summit A/R ( Summit Account Resolution ) is reporting and attempting to collect. I do not owe this debt and dispute it in full. The debt originates from a rental car damage claim by XXXX XXXX XXXX XXXX. I did not cause any damage to the vehicle. XXXX has provided no evidence that the alleged damage occurred during my rental period only a single photograph taken at the time of return, which can not establish the condition of the vehicle when it was handed to me. No exit or pickup comparison photo was ever provided. The burden of proof rests with the creditor and has not been met. The amount is also unsupported and internally contradictory : XXXX demanded {$560.00}, yet its own repair estimate ( prepared by XXXX XXXXXXXX XXXX ) totals only {$340.00}. There is no explanation for the {$220.00} difference. Summit 's reporting is also inaccurate. The collection record lists a " Last Payment Date '' in XX/XX/year>.…

RE : CFPB Complaint Rebuttal Complaint # XXXX Against : XXXX XXXX XXXX XXXX and Summit Account Resolution ( Summit AR ) REQUEST : IMMEDIATE WITHDRAWAL OF INVALID DAMAGE CLAIM, RECALL FROM COLLECTIONS, XXXX BALANCE CONFIRMATION, AND CESSATION OF ALL COLLECTION ACTIVITY I am submitting this rebuttal because the response provided by XXXX XXXX XXXX XXXX and Summit Account Resolution ( Summit AR ) fails to address the evidence submitted and does not establish that this alleged debt is valid, collectible, or legally enforceable. The response provided by Summit AR relies on generic statements regarding inspection procedures and claims that " new damage was identified. '' However, XXXX and Summit AR have failed to provide competent evidence establishing that any damage occurred during my rental period, that I caused any damage, or that XXXX suffered an actual financial loss. The documentation provided by XXXX actually contradicts their claim.…

Company : Summit A * R , Inc . Summit A * R, Inc. is attempting to collect, and has reported to XXXX, a debt of {$470.00} that I do not owe. After I provided Summit A * R with documentary evidence that contradicts the underlying claim, Summit A * R refused to investigate, declared my dispute " frivolous, '' and continues to report the collection account to consumer reporting agencies. Timeline of events : XX/XX/XXXX : I rented a XXXX XXXX ( license XXXX ) from XXXX XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX under rental agreement XXXX. The Rental Agreement documents approximately twenty pre-existing damage items on the vehicle, including a cracked windscreen, a missing rear wiper blade, a loose interior handgrip, and numerous scratches down to the primer on multiple body panels. XX/XX/XXXX at XXXX XXXX : I returned the vehicle. A XXXX employee, identified on the return paperwork as " XXXX XXXX, '' inspected the vehicle in my presence at the return location.…

I am writing regarding the account being reported by, Summit A R, which reflects inconsistent and inaccurate information across the three major credit bureaus. Specifically, the reported date opened, account number, payment history, balance, term length, and charge-off status are not consistent, which constitutes inaccurate reporting under 15 U.S.C. 1681e ( b ). Furthermore, pursuant to 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1692g, Summit A R has failed to provide proper validation of this alleged debt. To date, they have not produced Furthermore, pursuant to 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1692g, Summit A R has failed to provide proper validation of this alleged debt. To date, they have not produced

Summit A * R Inc. ( Reference No. XXXX ) is attempting to collect {$1100.00} on behalf of XXXX XXXXXXXX XXXX XXXX XXXX for alleged vehicle damage from rental agreement no. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute this debt in its entirety, and the creditor 's own documentation disproves the claim. First, XXXXXXXX XXXX rental agreement, produced in the claim packet, expressly lists the identical damage as pre-existing at vehicle checkout on XX/XX/year> : " Bumper, rear / Passenger side / scratch / 5-10 cm superficial. '' The damage XXXX now claims I caused is described in its own documents as " Bumper, rear Passenger side scratch 5-10 cm. '' Same panel, same side, same dimensions. I am being billed for damage documented as present before I took possession of the vehicle. Second, the claim packet contains no dated or timestamped pre-rental photographs. The only photographs are undated images taken after the vehicle was returned.…

Hi XXXX XXXX and the Summit AR Executive Team, I am writing to your offices to demand immediate executive intervention regarding an unverified, completely fraudulent collection entry placed on my credit profile by your agency on behalf of XXXX XXXX XXXX XXXX This critical issue has just come to light and is on my radar solely because I am currently in the middle of an active loan application process. During a comprehensive credit pull for this pending transaction, this erroneous collection defect was uncovered. This unverified mark is actively obstructing a time-sensitive loan closing and causing catastrophic financial harm.I strictly deny that any damage occurred to the rental vehicle during my rental period. The vehicle was returned in the exact same pristine, undamaged condition in which it was received. No damage occurred whatsoever while the vehicle was in my possession. This collection stems entirely from a false, automated, and unsubstantiated claim by XXXX.…

Company name Summit A * R , Inc . Company address XXXX XXXX XXXXXXXX, XXXX, MN XXXX What type of debt? Auto / vehicle-related debt I am disputing a {$390.00} debt that Summit A * R, Inc. is attempting to collect on behalf of XXXX XXXX XXXX XXXX, related to an alleged wheel damage claim from rental agreement # XXXX ( XXXX XXXX XXXX XXXX l Airport, XXXX XXXX XXXX ). The damage was pre-existing at the time I took possession of the vehicle. When I directly requested photographic proof from XXXX that the wheel was undamaged at pickup, XXXX 's claims department acknowledged in writing that they do not photograph undamaged areas of vehicles. Without such documentation, there is no evidentiary basis to establish the damage occurred during my rental. Additionally, at the time of vehicle return, a XXXX agent asked me to sign a document. I explicitly asked whether it was related to the damage and was told it was not that it was a routine return form.…

I rented a vehicle from XXXX rental car in XXXX XXXX CA. I was later informed they claimed I damaged their vehicle. I did not. I sent a certified letter asserting that I did not cause damage to their vehicle and to stop threatening me See attached letter. They sent the claim to a collection agency. The collection agency never contacted me in any way. I ONLY found out about the debt collection when I noticed a lowered FICA score on my credit card statement and called XXXX. I was charged a premium for this rental. In addition, I had mechanical issues with the vehicle. When I returned the car, the attendant assured me I would receive a call from management. I was never called. The mechanical issue happened on a freeway and left me in danger on the side of the road. Their roadside assistance was abysmal, a standard call center whose representative did not know what a weigh station was. What an outrageous lack of customer service.

Summit A R is reporting a {$330.00} collection for XXXX XXXX a XXXX on my credit reports. I previously disputed this account and it remains on my file. I believe the investigation consisted only of an automated verification with no meaningful review. The collector has not provided a signed rental agreement or documentation proving the amount owed. I am requesting deletion from all three credit bureaus under FCRA 611.

I am filing this complaint regarding an alleged outstanding balance of {$1100.00} that has been incorrectly referred to collections. This balance was paid in full on XX/XX/XXXX, directly to XXXX XXXX XXXX XXXX XXXX through my XXXX XXXX XXXX insurance benefit. I have documentation confirming that the payment was issued. Despite this, I later received communications from Summit AR, Inc., a debt collection agency, claiming that the same balance remained unpaid and demanding payment in XX/XX/XXXX. I have taken the following steps to resolve this matter : 1. Confirmed with my credit card benefit service that the payment was issued. 2. Attempted to contact XXXX to verify the account status. 3. Received no meaningful response or resolution from XXXX. 4. Continued to receive collection notices from Summit AR. 5. Filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX. 6. XXXX responded by stating that they had never cashed the check.…

Dear Consumer Financial Protection Bureau : I am writing to file a formal complaint against Summitt A * R, a debt collection company, for engaging in the unlawful practice commonly known as " debt parking '' placing a derogatory collection account on my consumer credit report without first providing the federally mandated written debt validation notice required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Consumer Financial Protection Bureaus Regulation F ( 12 C.F.R. Part 1006 ). What Summitt A * R Did : Summitt A * R placed a collection account on my credit report, causing immediate harm to my credit score and financial standing. Prior to reporting this account, Summitt A * R failed to send me the required written validation notice within five ( 5 ) days of its initial communication, as mandated by 15 U.S.C. 1692g ( a ).…

XXXX XXXX XXXX XXXX XXXXXXXX, office of the XXXX, has already emailed me confirming this debt is invalid and no longer being pursued by XXXX. They confirmed the debt was mistakenly attributed to me, and the damage to the rental vehicle was preexisting ; meaning it is NOT MY DEBT. Despite my repeated emails to Summit AR, and forwarding Summit multiple confirmations from XXXX proving the debt is not mine, Summit AR has yet to respond. The collection account is still appearing on multiple credit bureaus, causing significant financial harm.

I am disputing a collection account related to an alleged vehicle damage claim from a rental car with XXXXXXXX XXXX XXXX XXXX XXXX that was later sent to XXXXXXXX XXXX XXXX XXXX XXXX for collection. I rented a XXXX XXXX from XXXX from XX/XX/XXXX through XX/XX/XXXX. The vehicle was returned to XXXX XXXX International Airport on XX/XX/XXXX at approximately XXXX XXXX. My final XXXX closure receipt showed only a {$64.00} charge for a booster seat and no damage charges. The original rental agreement already documented multiple pre-existing scratches and dents on the vehicle before I took possession of it, including rear bumper and rear fender scratches down to primer. After the rental, I was later contacted regarding alleged vehicle damage and eventually a collection account for approximately {$1800.00} was reported or attempted to be collected. The evidence being used against me appears inconsistent and unreliable.…

I am submitting this complaint regarding inaccurate credit reporting connected to an alleged debt for old work equipment associated with a former employer. This account is being improperly reported as my personal financial obligation despite the fact that I dispute legal responsibility for the debt. I previously disputed this account with the credit bureaus and requested verification. The company continues reporting the account without providing sufficient documentation proving that I personally agreed to or accepted liability for this debt. I am requesting a complete investigation into the accuracy and legality of this reporting. Under the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to report accurate and fully verifiable information. I am requesting that the company provide signed documentation, contracts, or other competent evidence showing I am legally responsible for this alleged balance.…

I rented a vehicle from XXXX from XX/XX/XXXX to XX/XX/XXXX and purchased insurance coverage. At the time of return, XXXX staff inspected the vehicle and did not identify any damage or issues. I was not asked to sign any document acknowledging damage. After I had already left the location, XXXX later claimed there was damage to the vehicle and demanded payment. I disputed the charge and requested supporting documentation, including photographs, repair estimates, and an explanation of how the amount was calculated. Despite the dispute remaining unresolved and no proper documentation being provided to me, the matter was referred to a third-party debt collector, Summit A * R Inc. , which is now attempting to collect {$680.00}. I believe the debt amount is disputed and unsupported, and I am requesting proper validation of the alleged debt and confirmation that no negative credit reporting will occur while the matter remains disputed.

On XX/XX/XXXX, I rented a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX ( Rental Agreement No. XXXX ). I returned the vehicle on XX/XX/XXXX. On XX/XX/XXXX, XXXX issued a damage claim ( No. XXXX ) for {$590.00}, alleging scratches to the front and rear aluminum wheels on the passenger side. This was the third consecutive damage claim XXXX had filed against me, one for each rental I have had with this location. I paid the previous two claims without dispute. I disputed the third claim directly with XXXX in a letter dated XX/XX/XXXX, requesting five categories of documentation : ( 1 ) pre- and post-rental inspection photos with metadata and visible VIN or plate, ( 2 ) chain-of-custody documentation linking damage photos to my rental vehicle, ( 3 ) an itemized repair invoice from a licensed facility, ( 4 ) proof of payment for repairs, and ( 5 ) loss-of-use calculations.…

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

I, XXXX XXXX, discovered the willful erroneous and inaccurate credit reporting on my credit report by Summit A * R, Inc. ( Summit ). I disputed the reporting with XXXX, but XXXX did not provide any supporting information to this collection account from Summit but allowed it to adversely impact my credit. Around XX/XX/XXXX, I requested Summit A * R provide supporting documents to their claims. On XX/XX/XXXX, I finally received the supporting documents. The documents show the XXXX XXXX XXXX XXXX contract from XX/XX/XXXX for which a total rental fee of {$550.00} was charged and additional {$200.00} for deposit for a total of {$750.00} was authorized. A separate document also showed an invoice of {$140.00} on XX/XX/XXXX for tire service ( the charges were for 4 separate cars : a XXXX XXXX [ Vin ending in XXXX ], a XXXX XXXX [ Vin ending in XXXX ], a XXXX XXXX [ Vin ending in XXXX ], and XXXX XXXX [ XXXX ending in XXXX ] ).…

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.…

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.

XXXX Rental Agreement XXXX XXXX Report # : XXXX ( XXXX ) On XX/XX/year>, I rented a car from XXXX in XXXX, Hawaii. The vehicle was legally parked with the engine off in a designated roadside parking spot. I was not in the car at the time. A XXXX XXXX bus ( XXXX ) collided with the parked rental car. Police responded to the scene and issued XXXX Report # XXXX ( XXXX XXXX A, handled by XXXX XXXX XXXX ). I received an official verification card clearly showing this report number. I immediately provided the police report number to XXXX multiple times ( by phone and email ) and asked them to pursue the at-fault party ( the city bus insurance ). XXXX claimed they could not find the information, never provided any response or proof that they contacted the third party, and continued to send me bills. They have now transferred the alleged debt of {$3100.00} to Summit A * R collection agency. This debt is not mine.…

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.…

XXXX XXXX XXXX turned me into a collection agency after they said there was damages to the car I rented. These are fraudulent claims. There was no damage to the car, and they said I was free to go when dropped off. I refused to pay. Nobody will show me proof of that claim/damage..

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.

Summit AR ( Account # XXXX ) placed a collections tradeline on my credit report for a damage claim from XXXX XXXX XXXX XXXX XXXX ( Claim # XXXX ). This debt was unjustly reported, and I am requesting its complete removal from my credit files. Here is the full timeline : In XX/XX/XXXX, XXXX alleged damage to a rental vehicle. XXXX never sent me a demand letter or any documentation of the alleged damage before referring the account to Summit AR for collections. I filed a timely claim with my credit card 's rental damage insurance benefit ( XXXX XXXX XXXX XXXX Rental Protection, Claim # XXXX ). XXXX prematurely closed the claim due to XXXXXXXX XXXX failure to respond to their requests for documentation. On XX/XX/XXXX, I sent Summit AR a formal debt validation request. On XX/XX/XXXX, I sent XXXX a written request for the demand letter, repair estimate, damage photos, and incident report needed by my insurer. XXXX did not respond.…

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.