Consumer complaint received 2026-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: IL

Complaint narrative:
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. This alleged debt should be withdrawn and considered uncollectable based on the following documented facts. PRE-EXISTING DAMAGE DOCUMENTED BEFORE RENTAL I rented the vehicle from XXXX on XX/XX/XXXX. Before taking possession of the vehicle, XXXX provided a rental agreement documenting existing damage to the vehicle. The same dent and scratch documented on the rental agreement were later used as the basis for XXXX 's {$2200.00} damage claim. XXXX has provided no explanation as to how damage that was documented before my rental became my responsibility after the rental ended. Their own documentation proves that the condition existed prior to my possession of the vehicle. VEHICLE RETURNED WITHOUT DAMAGE BEING DOCUMENTED According to XXXXXXXX XXXX own invoice : Return Branch : XXXX XXXX XXXX XXXX Return Date : XX/XX/XXXX Return Time : XXXX XXXX Miles Out : XXXX Miles In : XXXX Miles Driven : XXXX miles I returned the vehicle to XXXX at XXXX XXXX XXXX XXXX on XX/XX/XXXX at approximately XXXX XXXX. Upon return, a XXXX employee completed the standard return process, walked around the vehicle, recorded the mileage, accepted the vehicle back into XXXX 's possession, and issued my final rental invoice. The final invoice contains no notation of damage, dents, scratches, collision damage, repair costs, or any claim against me. No damage was identified, documented, or attributed to me at the time XXXX accepted the vehicle back. If a vehicle had actually sustained over {$2200.00} in damage while in my possession, it is reasonable to expect that the employee physically inspecting the vehicle at return would have documented that damage. Instead, XXXX accepted the vehicle, finalized the rental transaction, and provided a final invoice without any damage claim. DELAYED DAMAGE CLAIM CREATES CHAIN-OF-CUSTODY ISSUES The alleged damage claim was not issued until XX/XX/XXXX, XXXX days after the vehicle was returned. The preliminary damage appraisal from XXXX XXXX XXXX ( XXXX ) is dated XX/XX/XXXX, eleven days after XXXX accepted the vehicle. XXXX has failed to provide any documentation showing what occurred with the vehicle between XX/XX/XXXX and XX/XX/XXXX. XXXX has not provided : Where the vehicle was stored. Who had access to the vehicle. Whether the vehicle was moved, transported, serviced, inspected, or rented again. When the alleged damage was first discovered. Who physically inspected the vehicle. Without a complete chain of custody, XXXX can not establish that any alleged damage occurred during my rental period. DATE OF LOSS CONTRADICTS XXXXXXXX XXXX OWN RETURN RECORDS The XXXX preliminary appraisal identifies : Type of Loss : Collision Date of Loss : XX/XX/XXXX at XXXX XXXX However, I had already returned the vehicle to XXXX at approximately XXXX XXXX on XX/XX/XXXX. At XXXX XXXX on XX/XX/XXXX, I no longer had possession, control, or access to the vehicle. XXXX had possession of the vehicle for several hours before the alleged loss time listed on their own appraisal. XXXX has provided no explanation as to how I can be held responsible for a collision loss allegedly occurring after the vehicle had already been returned and accepted by XXXX. This inconsistency alone prevents XXXX from establishing liability. INACCURATE INFORMATION CONTAINED IN DAMAGE APPRAISAL The XXXX appraisal also contains inaccurate vehicle mileage information. The XXXX invoice confirms : Actual odometer at return : XXXX miles However, the XXXX appraisal lists : Odometer : XXXX The number XXXX is not the vehicle 's odometer reading. It represents only the total miles driven during my rental period. This raises additional concerns regarding the accuracy and reliability of the appraisal documentation being used to justify collection of this alleged debt. QUESTIONABLE INSPECTION PROCESS The vehicle was returned to XXXX at XXXX XXXX XXXX XXXX. However, the documentation provided indicates involvement from an adjuster located in XXXX XXXX, Florida. XXXX has failed to provide : The identity of the person who physically inspected the vehicle. The location where the inspection occurred. Photographs from the actual inspection. Evidence that the person preparing the appraisal personally observed the vehicle. Documentation establishing how the appraisal was created. A remote appraisal created after the vehicle left my possession does not establish that I caused any damage. NO ACTUAL REPAIR BILL OR PROOF OF FINANCIAL LOSS XXXX and Summit AR have also failed to provide proof of an actual financial loss. The only document provided is a preliminary damage appraisal from XXXX. That document specifically states : " This is a damage appraisal only, not an authorization to repair. '' It further states that : The vehicle owner must authorize repairs. Appraisals are subject to review. Costs may be adjusted based on repair standards and betterment. This document is not proof that : Repairs were completed. Repairs were authorized. XXXX paid any amount. XXXX suffered an actual loss. An estimate of possible repairs is not proof of a valid debt. FAILURE TO VALIDATE THE ALLEGED DEBT Summit AR 's statement that all supporting documentation was provided is inaccurate. The documents provided do not validate the alleged debt. Instead, they demonstrate : The damage existed before my rental. The vehicle was returned without damage being documented. The vehicle was accepted back by XXXX. The alleged loss date occurred after I returned the vehicle. T he damage appraisal was created eleven days later. The claim was issued fourteen days later. The appraisal contains inaccurate mileage information. No actual repair invoice or proof of loss has been provided. XXXX has failed to prove that I caused any damage or that any collectible balance exists. DEMAND FOR RESOLUTION Because this claim is unsupported, disputed, and contradicted by XXXX 's own records, I demand : Immediate withdrawal of the damage claim in full. Immediate recall of the account from Summit AR. Written confirmation that the account balance is XXXX. Written confirmation that this alleged debt is closed and uncollectable. Immediate cessation of all collection activity. Confirmation that this account is marked disputed internally. Confirmation that this account will not be furnished to any consumer reporting agency. Removal of all collection activity related to this unsupported claim. XXXX and Summit AR can not collect a debt based on assumptions, estimates, and incomplete documentation. The evidence provided does not establish liability, does not establish damages, and does not establish an actual amount owed. I request that the CFPB require XXXXXXXX XXXX XXXX XXXX and Summit AR to cease collection activity and eliminate this alleged debt due to the failure to validate the claim and the overwhelming inconsistencies contained within their own records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation