Summit Financial Corp. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/08/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33407	Web	Servicemember
Terrible issue with SUMMIT FINANCIAL CORP. After hurricane Irma I was told that I would get XX/XX/XXXX and XX/XX/XXXX payments deferred to the back-end of my payments so I paid XXXX for the months of XX/XX/XXXX and XX/XX/XXXX but wasn't told that I had to pay an extra {$21.00} for the payments to be deferred after I made the payment which led to my car being put up for repossession in XX/XX/XXXX. I got past the tow truck guy called Summit explained what happened and singed a contract with them to take the repossession off paid {$1300.00} for that. I was left displaced due to the hurricane & have not been working since ..explained this to a collector ( XXXX ) and asked why was my payments for XX/XX/XXXX and XX/XX/XXXX were {$650.00} she said it was from all kind off different late fees ... then I stated I couldn't afford those fees and if I paid that I would be up 2 car payments she then that if I just pay an extra {$1.00} over the payment I would be ok and stated that I would double the payments for XX/XX/XXXX and XX/XX/XXXX and that I just was offered a position. I was unable to keep that promise due to me starting new and had to wait til XX/XX/XXXX to get paid. On XX/XX/XXXX I tried logging into the website to pay and was locked out ... tried contacting customer service but was put on hold for a good while. That night my car was repossessed around XXXX and being that I work graveyard shift I was unable to go to work @ XXXX. Called them @ XXXX XXXX and was told they had no knowledge yet of the tow company having the car and the company opened at XXXX someone would give me a call back ... that call didn't come until XXXX ... and was told by a repossession manager then that they were not going to take the {$1000.00} they stated I owed for the past due late fees and car payments ( which I only owe {$310.00} a month and was willing to pay the amount stated ) and he felt I was going to continually be late along with the payments and that the car is still over {$14000.00} on which I suppose to owe ( which it was only {$13000.00} when I purchased it and have had it almost 2yrs ) so they were defaulting on the account. I'm truly confused to how have the total cost not changed in 2yrs along with how could he personally make that type of descision. I asked for all transactions to be sent to me also so I can see for myself exactly how the payments were over {$14000.00} but I have yet to receive that email. Im currently at rusk of losing the job I just recently received due to this situation.
01/14/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AL 361XX	Web
On or about XXXX XXXX, XXXX I contacted XXXX XXXX at Summit Financial to verbally advise that I was voluntarily surrendering the XXXX XXXX XXXX. XXXX XXXX stated that it was the holidays and that no one was available to pick the vehicle up. I advised XXXX XXXX I was able to take the vehicle back to XXXX XXXX, he told me that I was not able to do so. XXXX XXXX advised that a representative would contact me at the phone number provided to schedule a time to pick up the vehicle. I received no contact from said person, XXXX XXXX received a call on XXXX/XXXX/XXXX from a woman calling from XXXX stating that they were issuing an enforceable warrant for my arrest but did not say for what reason or why. I called on XXXX/XXXX/XXXX at XXXX XXXX and spoke with an individual named XXXX XXXX XXXX whom stated that she was from the enforceable warrant reporting/processing office. XXXX XXXX advised she saw in the notes that someone spoke with me stating I was voluntarily surrendering the vehicle but that they were headed to court this afternoon to place a warrant for my arrest for not surrendering the vehicle. I advised her that I had not received a call from anyone stating they were ready to get the vehicle and that I had no problem with them getting the vehicle. She advised that I leave the key in the vehicle and the car unlocked so someone was able to come get the vehicle as long as it was not in a gated community. I advised her that I was not comfortable with that, that I wanted to be there and receive something in writing stating that they have secured the vehicle. She stated that Summitt Financial is a large company and that I would receive something in the mail 10 days later stating that I could pay off the debt to retrieve the vehicle or advise me of the debt which was owed. I advised her that I was currently out of town but the vehicle was at the residence which was listed on contract. She stated that they had to obtain the key, I advised them to tow the vehicle. She threatened to have me arrested and a warrant issued. I advised her that what she was doing was against debt collection practices and that she had no right to tell anyone that a warrant was going to be issued nor should I be penalized nor threatened with a warrant because Summitt Financial failed to contact me to schedule a pick up time. I have the emails and I am able to obtain records of my phone log to prove that I have initiated contact with the company to secure the vehicle almost 30 days ago.
09/19/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 32244	Web
I took out a loan with summit financial for a vehicle about 1 year ago. I never get a bill from them and have occasionally been less than 30 days late with my payment. I have always paid less than 30 days late. In XXXX I continued to run a little bit behind so I took an option for a XXXX time deferrment for a fee to get back on track as I was getting closer to 30 days late. I made my XXXX payment on time and when I was going to make my payment in XXXX on the XXXX two weeks late, I instead received a knock on my door to serve me a notice of which I thought it was repossession. Upon calling and speaking to a XXXX XXXX who was highly abusive to me, I asked to speak to a supervisor and was passed to a XXXX XXXX who then proceeded to be even more abusive saying I was a collection manager and should be ashamed that my bill was 17 days late. In the past I have made several complaints about a collection agent XXXX XXXX who has made repeated calls to my job despite requests not to call me at work. In fact she made no less than XXXX calls in a 1 hour period to my job back in XXXX. I was assured she would not be rep back in XXXX and I thought all was well. However, she emailed me and apparently dispatched a door knocker, who I mistakenly took for a repo agent. XXXX, XXXX XXXX, and XXXX XXXX have little to no regard for the Fair Debt Collection act and have been at best abusive. I have spoken to excellent professionals at this company before but these XXXX individuals are out of control and I would like it to stop. I have been assured by XXXX XXXX who is the VP of collections that my issues will be addressed. He was reasonable and stated his company 's position about the collection activity which while I disagree with using door knockers now understand is an action they chose to take. What I do n't understand and based on the fact that I have made several verbal complaints about these collection practices in the past is that the abuses continued as long as they have. I am hopeful XXXX XXXX is addressing this but I felt the level of abuse to protect other consumers needed to be reported. I have had some pleasant interactions with this company including XXXX XXXX himself, they do have professional competent bill collectors working for them but these few individuals are so far out of control I could not keep silent.
02/22/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33309	Web
In XX/XX/XXXX I became ill and went into the hospital and was going to be off of work for an extended period of time. I knew I would not be able to make my car payments so I volutarily surrendered my vehicle to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX. They were not happy but they accepted the vehicle, auctioned it off for far less that it was worth ( it was a XXXX XXXX XXXX ). They sold it for XXXX and applied that to my XXXX loan and left me with a XXXX balance on my credit report. when they realized I would not be working they wrote off the loan completely. Some time passed and I returned to work a couple of years later. In XX/XX/XXXX they had listed on my credit report that the amount I owed them was {$9900.00}, thirty days later in XX/XX/XXXX it increased to {$13000.00}. I have not had possesion of the vehicle since XX/XX/XXXX, how can they continually charge me for the vehicle? Also they list on my credit report that I " failed to make my payment '' each month for the past two years. How can they do that when they have written off the loan? As of XX/XX/XXXX I now owe them {$14000.00}! It's all on my credit report and it goes up every month. They have charge me over 50 % of the original figure of {$9900.00} in a matter of 12 months! I feel they are being vindictive because I defaulted on my loan and I would like this information purged from all of my credit reports and and additional reporting agencies like XXXX and thier affiliates. This is outragous and can't believe that this is even legal. I can be contacted at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX, XXXX, DOB XX/XX/XXXX, SS # XXXX you have my permission to use my information and contact them to discuss this matter and try to resolve it.
08/12/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 330XX	Web
I have been requesting validation of debt for a collection from on my XXXX and XXXX credit profiles since earlier this year of XXXX from Summit Financial account # XXXX. On either time of my validation requests has Summit Financial provided me with a signed contact. Approximately 2 months ago I fike A complaint via the CFPB reference never receiving the proper documentation reference said accounts public auction being held which wouldve allowed me the opportunity to recover said vehicle and the credit bureau XXXX advised they would provide proof via mail within 10 days, which they did not. What they did send me ( documents dated XX/XX/XXXX ) was an updated version of my credit report which indicated that they had modified the comments to a Chrage off with a fixed rate. They never provided with the documents I requested. Now moving forward I requested an early exclusion via XXXX in XX/XX/XXXX for said account and Summit Financial has now moved my date of delinquency from XX/XX/XXXX to XX/XX/XXXX. Because Summit Financial not XXXX XXXX XXXX has provided me with the legal documents of a signed contract As per the FCRA during my validation requests I am requesting that this account be removed from my XXXX and XXXX credit profiles. Id also like to add that prior to qualifying for the early exclusion via XXXX and XXXX I was successfully able to remove Summit Finacial from my XXXX credit profile via an early exclusion request as XX/XX/XXXX. It appears that Summit Financial is intentionally attempting to further harm my credit profile and my credit score by refusing to provide me with the documents the FCRA states that Im legally entitled to once validation is requested.
02/26/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	IN 46307	Web
I opened an auto loan in XXXX XXXX with Summit Financial. They just set up a website for the company about 4 months ago. I logged on to pay my account last month. The billed stated that my payment was {$430.00} + {$110.00} miscellaneous fee= {$540.00}. I paid that amount. This month I check my online account only to see that This month 's payment included another {$110.00} miscellaneous fee. I called Summit to find out what this miscellaneous fee is and she explained that the {$110.00} was not being charged each month. It was for XXXX NSF fees that were applied to my account in XXXX. They are continuously charging interest on this {$110.00} even though I made a payment which was more than enough to cover it. Instead of applying my overpayment to eht {$110.00}, they have the funds " set aside '' for me until I have enough extra month to make a full payment. They said that I have to " request '' the money be applied to the miscellaneous fee. Also, this company just recently started sending out statements within the last 9 months. Before then, I had no way of knowing what is charged and what is due. I believe this company is unfairly collecting interest by keeping consumers in the dark in regards to this " miscellaneous '' fee collection and interest accrual. I have requested a copy of my entire transaction history, but I am sure that this " extra '' money they have sitting aside for me has been there for a while. And instead of applying it to my principal balance, they have been unfairly gaining interest on it while charging me additional interest at the same time.
07/14/2017	No	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32606	Web
Some years ago my information was used to obtain a used car from XXXX XXXX XXXX in XXXX, FL that has since closed. After getting paperwork in the mail " thanking me for my purchase '' I immediately went down to the lot where the manager gave me the number to the financial provider for the car and would not give me the information on the person that actually got the car. After contact the loan provider we got things situated and my information was " deleted '' off of the car and everything had went back to normal. In XXXX I pulled my report and noticed that Summit Financial has started reporting for the balance of {$8000.00} for the XXXX XXXX that I did n't own or posses. I immediately contacted them and the loan officer that i had spoke with prior to see what the deal was and why it was still connected to me. I was told since my name was originally on the paper work even after having my name removed ; that It still had to be reported to my credit. Even though I found that hard to believe. They had me to believe that even though i had no ties with this loan ; it had to sit on my credit for 7 years according to Summit Financial. I am preparing to be a homeowner and had a meeting with my banks home loan manager and pulled my credit all for me to find out that Summit Financial never even after 7 years deleted this off of my credit. They actually reported for an extra year. NOW, adding fees and renewing this debt that I do not owe them! This getting out of hand with the lies and the run around that i 'm getting at this point.
08/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	FL 33415	Web
Collector contacted me to voluntarily surrender a vehicle that original lender " charged off ''. She would not identify the company she worked for but threatened to file an " order of execution '' to have police pick up the vehicle. When asked to send paper work to me to submit to my attorney she screamed at me and said there was no paper work. Just tell her where to pick up the car. She also left several voicemails on my cell phone threating the same. I saved the last voicemail. The person also called my employer and spoke to my supervisor informing him of the debt and the police coming to my office to pick up the car. My supervisor sent me an email detailing the phone conversation. I had my attorney call her and she told him the same thing. He searched court databases for XXXX Counties and found no documents filed against me. He told the person not to contact me at work nor my employer again, and to notify me in writing of any legal proceedings including documentation and not to call me any more or come to my home without proper identification and paperwork. The person would not identify where she worked to the attorney either and was very abrasive as she was with me. The attorney told me to contact the FTC as the person was calling from a cell phone, would not identify who she worked for or a work address, nor provide any written documentation of legal actions, which was a clear indication of a scam and that she violated laws.
02/20/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30906	Web	Older American
My Auto loan is with Summit Financial Corporation in XXXX Florida. My loan papers given to me from the dealership at the time of purchase state that my " payment due date is the XXXX of each month, and considered late if paid ten days or more after the above stated due date and buyer will incur an additional {$50.00} late fee. '' Summit Financial has not given me any New paperwork to sign for any new due date or additional fees, but began telling me ( after my first year and a half ) that i am past due. They are saying i am due on the XXXX of each month and want me to pay micelllaneous charges but ca n't tell me what the itemized charges are. They do not send me a statement, but only a letter telling me i am past due, micellaneous charges of {$300.00} dollars, no new balance ( balance never changes even after they get payments ). They argue that I have the wrong understanding about the contract and they they do not recognize what the dealership gave me. Only what is on thier computer screen. I have noticed that there are others on a blog site that are having the same problems as I. Surely they can not change my finance terms without me signing a new contract. Please advise.
09/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	AL 366XX	Web
I have been disputing this debt on my credit report because Summit FinanciaXXXX and XXXX XXXX XXXX XXXX, and XXXX XXXX, which I have submitted court documents and pictures, have reported the incorrect information to the Credit Bureaus. Under the FCRA, it states that if any of the consumer 's information in not 100 % accurate, then by law the credit bureaus are under obligation to investigate it and remove that item ( s ) from that consumer credit file. I have disputed this for over 3 years, with no success. I have submitted documentation to the credit bureaus from the creditors stating my position and they still will not remove these items from my credit file. On XX/XX/XXXX, I sent in documentation, then again on XX/XX/XXXX. I have just recently sent more documentation in around XX/XX/XXXX. The only results I am getting is the items are being updated on my credit file. I have received correspondence from the creditors saying that they have no identifiable information in their system on me. I have even called the creditors and was not able to speak anyone and I also left messages, but received no return calls.
05/30/2019	No	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	FL 33441	Web
Loan was taken out 3 years ago in a used car for acct number ending in XXXX! At start of loan told it was 7 percent interest rate and have only recently when loan is almost paid off been told that all my extra payment went to interest rate which was not what I agreed to! I have requested over and over and been denied copy of signed Car document showing interest rate or my signature acknowledgment! This means that as I got years thought that this loan was being paid off early due now! They are saying that in three years I have only paid {$2000.00} towards principal robbing me of funds, denying me access to file and now selling my loan to a new company who are charging me more with no proper notification and threats on a loan Im paying on! Im confused as to who truly owns this loan notification is not a message in machine to date no letter has been sent showing me 0! They refuse to show me the agreement of purchase and are now angered that Im asking for this and why my balances are incorrect? Charged me for a XXXX XXXX worthXXXX at time of purchase doubled the price on a used vehicle!
05/19/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA XXXXX	Web
In XXXX XXXX, XXXX of Summit Financial Corporation called my place of employment because my payment was about XXXX week late. I asked her not to contact me at my place of employment because I am not allowed debt or credit collection calls at my place of employment. On XXXX XXXX, XXXX, XXXX called my place of employment because they had not received my payment that was due on the XXXX and left a message in my work 's voicemail. I returned her call on XXXX XXXX and spoke with her. I told her that payment was mailed on XXXX XXXX, and I asked her not to call my place of employment because I am not allowed debt or credit collection calls at my place of employment. XXXX became irate with me. I mailed a letter, via certified mail, to the company stating that I have asked them numerous times not to call my place of employment and that I would like them to stop calling because I am not allowed debt or credit collection calls to my place of employment. I also informed them them of XXXX rude behavior. The letter was delivered and signed for on XXXX XXXX, XXXX.
10/21/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33024	Web
I have XXXX issues with Summit but was only able to select XXXX issue below. I purchased a vehicle from Summit Financial XX/XX/XXXX. I 've never paid a payment beyond 30 days late until XX/XX/XXXX as I had became unemployed. I missed that payment and it has been affecting my credit ever since, I requested to have this payment deferred but they were unable to work with me in addition I 've sent letters to Summit requesting a resolution but they are continuing to report the late payment to the credit bureaus. In addition, I was recently informed that my loan was a interest bearing loan with 18 % interest rate and I was not informed of this during the sale or my many times talking to the agents at Summit Financial. I became curious as to why is my balance is still over XXXX when I purchased the car in XX/XX/XXXX for XXXX and my payment is $ XXXX/month. The value of the car in currently XXXX. I 'm unable to trade or refinance this car in as I 'm upside down, I want to find a resolution to get rid of this car as well.
06/20/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 31404	Web
I previously had an auto loan through Summit financial opened in XXXX . In XX/XX/XXXX of XXXX I was in an automobile accident, the other driver was at fault, she was cited for running the red light and speeding. Her insurance company paid over {$8000.00} off on the car because it was a total loss. I had purchased GAP insurance with the vehicle and the cost of that product was built into my loan agreement, original dealership was XXXX XXXX Signature of XXXX , GA. After her insurance company paid, that left me with a lingering balance of about {$1300.00}, which the gap insurance I paid for was supposed to cover. The account was then to be paid in full and closed. Instead, they opted NOT to apply my gap insurance, an NOT to reimburse me for paying for a feature they would not allow me to use. The account is still open, and accumulating more fees since XXXX . The current amount they have me owing now is {$2100.00}. This has been adversely affecting my credit with all three agencies.
04/17/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	FL 32503	Web	Servicemember
I am making monthly payments of {$490.00} on a XXXX XXXX XXXX to Summit Finance. In XX/XX/2016, the original loan amount was XXXX. I tried to re-finance through this lender but was denied. Then I tried to re-finance through my bank but was also declined. I found out that for over two years I have been paying only XXXX towards the principle. The car is only worth XXXX and the pay-off amount is XXXX. The dealership told me they were charging me 24 % INTEREST. THIS IS CRIMINAL! IHAVE BEEN UNDER EXTREME FINANCIAL HARDSHIP for the past two years and at a rate such as this I may not live that long to ever pay it off! I also did some nvestigating of 'Summit Financial Corp. and they recently declaRED BANKRUPTCY. I AM CURRENTLY WORKING WITH XXXX XXXX TO REPAIR MY CREDIT-but in the meantime I continue to be financially XXXX by this company. aLL i AM TRYING TO DO IS GET A LOWER MONTHLY PAYMENT. i AM A XXXX VETERAN AND LIVE ON A FIXED INCOME 100 % SERVICE CONNECTED.
09/04/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94544	Web	Servicemember
This company is still reporting inaccurate information to 2 of the 3 major credit bureau 's. XXXX has deleted them from my credit report after reviewing my complaint and dispute. I have sent in several requests to have this information verified bearing my signature, dates, and accuracy of the alleged amount. They have not supplied me a single copy or response to my request since XX/XX/2018, when the 1st request was made. I am now seeking legal action. I have sent my requests out via certified mail and have all of my documents ready to go for proof of service. Summit Financial Corp, is doing bad business. They are not updating accounts correctly and they are not reporting cars that have been resold for their profit. This company is charging on going interest monthly on accounts that have been closed out. They do not verify information that is being requested. Summit Financial Corp XXXX XXXX XXXX XXXX XXXX, FL. XXXX
03/14/2021	No	Debt collection Auto debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33618	Web	Servicemember
I contacted this agency on XX/XX/2021 by the name of Summit Financial. They redirected me to another company on XXXX XXXX 2021 called XXXX XXXX, which states they are a lawyer and agent for the Federal government. This Company called Summit Financial is no longer operable. They closed down their business and are not in service. They are not allowed to operate and they have no way of contacting anyone. They had a recording stating they were going to arrest me if i did not pay the amount they are seeking. Neither company refused to give me details of either information including account information and amounts owed. They were very threatening in their tone and language. Summit Financial is reporting negative history on my credit report illegally without any information to provide. Summit Financial is one company// phone number : XXXX XXXX XXXX is another company// phone number : XXXX
01/17/2017	No	Consumer Loan Vehicle loan	Problems when you are unable to pay	NY 11704	Web
I financed a car in 2011 a brand new XXXX and it was under warranty the car then had a factory issue and was returned to XXXX. The finance company Summit Financial was to be refunded for the remaining loan amount once the car was sold at the auction. Now 6 years later the finance company is reporting negatively to my credit file on Friday XX/XX/XXXX the balance was XXXX when I spoke with them and tried to come to an agreement or resolution the where very rude and seemed to care less even though they are not reporting correctly. As soon as we hung up the phone they turned around and changed the balance to XXXX and reported to transunion that I owed this crazy amount that is not true or legal. I called them back and asked them to correct it but they said they do not care and they are illegally reporting inaccurate information
08/08/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 31404	Web
On my credit file dated XXXX XXXX, 2017 I received an update to my XXXX credit report from Summit financial. The report was updated to show the account is now reported as closed, balance is now XXXX, amount past due is now XXXX. as well as the account history codes are now 1. The problem now is that I called XXXX and XXXX to inform them of the update, and they said they were not going to investigate this account again, I faxed them a copy of my updated account with XXXX. The representatives informed me that they reached out to summit financial in order to get corrected updated information, and summit financial REFUSED to update the account with those credit bureaus. I am including my updated credit report as proof of my documentation
08/04/2018	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	NY 11704	Web
I have previously contracted Summit Financial and requested the information re the debt they placed on my credit report for approximately 3-4K dollars. I had a loan with XXXX and the car was brand new and was a lemon I gave them the vechicle to sell in the auction and the debit was to be free and clear. After speaking with Summit and trying to discuss the account and request documentation of the validity of the debt they refused to provide me with information and I have been requesting it for the past year. I have called and they refuse to take my calls. They turned around and changed the balance owed from 3-4K to XXXX and now its rising day after day. This is inaccurate information and not a liable debt, Please remove it.
05/19/2017	No	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 33407	Web
Summit Financial Corporation is stating that I owe XXXX different amounts on all my credit reports. I voluntarily surrendered my vehicle abo ut two m onths ago. The vehicle was sold about a month ago and my credit reports are not indicating the right amount owed. They immediately reported to my credit report that I surrendered the vehicle but has not decreased the amount owed on any of my credit reports. I was advised verbally that the amount owed after the vehicle was sold was a little over {$8000.00}. My XXXX Credit Report is showing I still owe {$12000.00}, my XXXX Report is showing I owe {$13000.00} and my XXXX Report also has an incorrect amount owed.
03/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX XXXXX	Web
Summit Financial is continuously reporting I owe $ XXXX in debt for a car I never had in my possession at all. XXXX XXXX is the owner of this car he has used my name in Texas I even have a Texas address listed on my credit report I have been trying for over 5 years to get this debt erased and I am sure the statue of limitation has passed please help me get this debt removed. I have disputed this debt yet every month it keeps reporting as delinquent hurting my credit score. I am a XXXX XXXX at this point and I just want all of the harassment and embarrassment from this debt collector to stop.
07/25/2020	No	Debt collection Auto debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MO 65807	Web
In XX/XX/2016 and XX/XX/2016, a representative for Summit Financial contacted my job and informed my subordinate XXXX XXXX XXXX that they were looking for me and that I was past due on my car note with the company. The company continued to call my place of employment disclosing information to my assistant, who was not listed as a reference on my account nor did I provide them with the contact information, nor did I authorize them to contact me at that job. The information was then relayed to my supervisor and negatively impacted my employment with the company.
04/13/2021	No	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 33578	Web
Summit Finiancial is a NONE DEBT REPORTING AGENCY, as listed with the government. They are NOT suppose to be reporting on my credit report. Two of the credit bureau have removed them from my report for that reason. XXXX has refused to do so which is causing my score to be lowered. I HAVE SINCE PAID THIS DEBT OFF WITH THE THIRD PARTY COMPANY, XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX, ( XXXX ) XXXX, and Summit STILL will not remove the debt from XXXX. This Attorney even said Summit isn't suppose to report debt, and he can't remove it for me.
04/13/2021	No	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 33578	Web
Summit Finiancial is a NONE DEBT REPORTING AGENCY, as listed with the government. They are NOT suppose to be reporting on my credit report. Two of the credit bureau have removed them from my report for that reason. XXXX has refused to do so which is causing my score to be lowered. I HAVE SINCE PAID THIS DEBT OFF WITH THE XXXX XXXX COMPANY, XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX, ( XXXX ) XXXX, and Summit STILL will not remove the debt from XXXX. This Attorney even said Summit isn't suppose to report debt, and he can't remove it for me.
11/08/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33584	Web
Per XX/XX/XXXX Report, Summit Financial Corp has reported inaccurate 30-80 days late payments between XX/XX/2019 and XX/XX/2019, stating you made 2 out of 4 payments on time ( or didn't have a balance to pay off ). Currently it is showing as the month of XX/XX/XXXX and XX/XX/2019 as late payments, which is incorrect since my account was transferred to XXXX XXXX XXXX and they have reported correctly as On-Time for all three credit bureaus ( XXXX, XXXX, and XXXX ) for the month of XX/XX/XXXX and XX/XX/2019.
01/15/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	WY 824XX	Web
I applied for a loan XX/XX/XXXX and completely forgot about it. Within a week my dad committed suicide and things havent been so good. I tried to call and cancel it but it had already been approved. So now Summit Financial is deducting {$240.00} something like that out of my checking account every week. I am on a very tight budget now. I cant pay any bills or hardly put food on the table now. Im at my wits end with these people!! XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX
01/29/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	KS 66104	Web	Servicemember
Summit Financial never helped us recover this account at all. The customer service representatives we're very rude and always lied. I contacted the company through email multiply times to resolve my issues and even when the car was totaled what steps did I need to take next and still no answer. On my credit report they have it as a charge off and that is untrue. Summit Financial needs to fix my records or delete the record and its entirety.
02/11/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 30132	Web
XX/XX/2017, I voluntarily surrender my XXXX XXXX XXXX to Summit Financial Corporation. Now, Summit Financial Corporation is stating on my credit report that I filed Bankruptcy. I did not file bankruptcy on this vehicle or this company. The information that they are reporting is fraudulent information. I want them to remove this fraudulent information from my credit report and come get this vehicle that I voluntarily surrender.
02/24/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NC 28277	Web
Summit Financial is reporting collection / chargeoff to the credit bureaus. I disputed this in the past and had it removed because they could not verify any information. It has started showing up on my XXXX and XXXX reports again with an incorrect Date of Last Payment of XXXX XXXX, XXXX. There has been no activity on this account since early XXXX which would put it at 7 years and should be removed from the credit report.
10/10/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AL 367XX	Web
i believe this company is practicing unfair billing practices because every month I 'm paying my bill on time and my payment is purposely getting lost. I need them to remove the late remarks from my credit that were all due to their mistake.My credit worthiness is very important and defaming my character creates a misrepresentation of who I am in the eyes of lenders.
02/11/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33756	Web
SUMMIT FINANCIAL REPRESENTATIVE XXXX XXXX CONTINUES TO LEAVE DETAILED VOICE MESSAGES ON AN OPEN ANSWERING MACHINE. XXXX XXXX HAS THREATENED ACTION, TAUNTED FOR NOT ANSWERING PHONE, AND LEFT BILLING ARRANGEMENTS ON THE ANSWERING MACHINE NUMEROUS TIMES. AT NO TIME DOES HE STATE IS ATTEMTPING TO COLLECT A DEBT, OR ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
05/19/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 328XX	Web
I am less than 30 days behind on my payment. I scheduled a payment online several days ago to process on XXXX/XXXX/16. This morning I received an email regarding this matter, however my email and about 10 other emails were attached in the same message. I feel like this is personal information that should not have been shared with multiple parties.
07/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32244	Web
I sent a certified letter to the company multiple times and tried to call the company to remove the inquiry from my credit report and was informed to contact the company that did the inquiry to have them remove the inquiry from credit report. I contacted the company and was informed by the company to contact the credit bureau.
03/08/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33619	Web
XXXX XXXX XXXX is the name on one credit file and summit financial is on the other credit files I am a identity theft victim XXXX XXXX XXXX lives in XXXX Texas stole my identity I never traveled to Texas at all been in XXXX FL for entire life. I have the texas address listed on my credit file as a formal address?
03/27/2021	No	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30281	Web
They garnished my wages starting in spring XXXX. I spoke to them and told them this was discharged in a bankruptcy. They stated they didnt care about that but they did negotiate to a lower amount. This continued to the end of XXXX. When I moved out of state and they began garnishment again in XX/XX/XXXX.
09/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33624	Web	Servicemember
Car was voluntarily returned to the finance company in which they sold the car and collected funds from the sale. They have yet to update what is being reported to my credit report. The balance and current status is incorrect
10/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33165	Web
I have credit inquiries on my report that I do n't recognize. For example, in XXXX I have the following : XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX, XXXX XXXX on XXXX/XXXX/XXXX, XXXX XXXX on XXXX/XXXX/XXXX and so on.
10/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	AL 368XX	Web
Summit financial says I was late on car payments XXXX/XXXX/XXXX days when I ws under a chapter XXXX since XXXX/XXXX/XXXX. They we 're paid through the trustee so there 's no way try were payoff late.
09/25/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	FL 32043	Web
I disputed a debt that was not mine. The company agreed and it was suppose to be removed from my credit report per the response from XXXX however it is still reporting negatively.
03/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33712	Web
Received my credit report and inquired about the inquiries to the credit bureau, they explained to me that I need to speak with company, I sent out letters and no response.
06/11/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89107	Web
This company is reporting inaccurate data to the major credit bureaus have disputed multiple times with each bureau. Requesting validation of said debt
06/24/2017	No	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32244	Web
XXXX/XXXX/2017 This car was volunteer repo Because I told them to come and get it because I did n't have a job
06/20/2020	No	Vehicle loan or lease Loan	Incorrect information on your report Old information reappears or never goes away	VA 23832	Web
The company has gone out of business and still shows on my credit report that I owe them
11/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33161	Web
I want the CFPB to remove within three business days
04/16/2021	No	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	ID 83661	Phone	Older American

03/08/2021	No	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	GA 30032	Web

12/03/2020	No	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	FL 33169	Web

08/06/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32905	Web

07/08/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32905	Web

11/18/2019	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt		Phone

07/29/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33161	Referral	Older American, Servicemember

06/22/2019	No	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	FL 33401	Web

06/20/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89107	Web	Servicemember

06/18/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL XXXXX	Web	Older American, Servicemember

04/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32256	Web

03/26/2018	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	GA 30459	Web

03/22/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Public record information inaccurate	FL 33166	Web

02/23/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 31548	Web	Servicemember

02/09/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	FL 33634	Web

10/31/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 32405	Postal mail

04/24/2017	No	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	FL 34744	Web

02/21/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 30127	Web

01/20/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33339	Fax

01/17/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 33308	Web

11/25/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 32277	Phone

07/29/2016	Yes	Debt collection Auto	Taking/threatening an illegal action Seized/Attempted to seize property	FL 33426	Web

05/11/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 32792	Web

02/09/2016	Yes	Debt collection Auto	Communication tactics Threatened to take legal action	AL 36105	Phone

02/02/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33605	Phone

10/27/2015	No	Debt collection Auto	Communication tactics Frequent or repeated calls	FL 32208	Web

07/12/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	FL 33024	Web

03/04/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33733	Fax

01/19/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 30281	Web

01/17/2015	Yes	Debt collection Auto	Improper contact or sharing of info Talked to a third party about my debt	FL 32244	Web

12/17/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33973	Phone