CFPB Consumer Complaint Profile

Summit A*R, Inc.

418 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.

Data updated 2026-05-15

418
Total complaints
225
Last 12 months
95.5%
Timely response
36
States affected

The verdict

Among 3,848 financial companies tracked by CFPB complaint volume, Summit A*R, Inc. sits at #560, with 418 complaints logged. 95.5% of its complaints get an on-time reply, beating the 93% median for the 100+ complaint peer group.

#560
of 3,848 companies by volume
95.5%
answered on time
Debt collection
most-complained product
36
states with complaints
Summit A*R, Inc. timely response rate 95.5%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - I do not know 158
Debt collection - Other debt 101
Credit reporting or other personal consumer reports - Credit reporting 72
Debt collection - Medical debt 21
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 15
Debt collection - Auto debt 14
Debt collection - Rental debt 8
Debt collection - Medical 8
Debt collection - Credit card debt 7
Debt collection - Private student loan debt 3

Top Issues

1.Attempts to collect debt not owed 162
2.Written notification about debt 64
3.Incorrect information on your report 50
4.False statements or representation 41
5.Took or threatened to take negative or legal action 38
6.Improper use of your report 24
7.Communication tactics 11
8.Problem with a company's investigation into an existing problem 7
9.Problem with a credit reporting company's investigation into an existing problem 6
10.Cont'd attempts collect debt not owed 5

Complaints by Year

Year Complaints
2014 3
2015 3
2016 3
2017 4
2018 2
2019 5
2020 7
2021 15
2022 22
2023 38
2024 66
2025 192
2026 58

Complaints by State (Top 15)

Florida 101
Texas 54
California 43
Georgia 30
Illinois 20
Virginia 18
Ohio 14
Pennsylvania 13
Arizona 12
North Carolina 10
Alabama 10
South Carolina 10
New Jersey 9
Minnesota 9
Tennessee 7

Company Responses

Closed with explanation 418

What the CFPB Complaint Record Shows for Summit A*R, Inc.

The CFPB Consumer Complaint Database has logged 418 complaints against Summit A*R, Inc. overall, with 225 of those filed in the trailing 12 months. Reports have come from consumers in 36 states and territories, making this a multi-regional complaint footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.

Within the Bureau's 15-day response window, Summit A*R, Inc. answers 95.5% of forwarded complaints. That is at or above benchmark levels, a sign the company handles intake and escalation well. In 18.2% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. 0% of resolved complaints ended with some monetary or non-monetary relief for the consumer.

How to read complaint counts

Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.

Frequently Asked Questions

How many CFPB complaints does Summit A*R, Inc. have?

418 complaints have been filed against Summit A*R, Inc. with the CFPB overall - 225 of them in the past year.

Does Summit A*R, Inc. respond to complaints on time?

Summit A*R, Inc. has a 95.5% timely response rate to CFPB complaints. This is considered excellent.

What product generates the most complaints for Summit A*R, Inc.?

The most complained-about product for Summit A*R, Inc. is "Debt collection." You can view the full product breakdown on this page.

What is the most common complaint issue with Summit A*R, Inc.?

Consumers most often cite "Attempts to collect debt not owed" when complaining about Summit A*R, Inc.; the full issue list with counts is above.

How do I file a complaint against Summit A*R, Inc.?

You can file a complaint against Summit A*R, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.

In how many states have consumers complained about Summit A*R, Inc.?

Summit A*R, Inc. has drawn CFPB complaints from 36 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.