Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Summit A*R, Inc.
State: NC

Complaint narrative:
I am submitting this complaint regarding the handling of my merchant account and chargebacks by XXXX XXXX. On or about XX/XX/XXXX or XXXX, 2025, I spoke with XXXX XXXX from XXXX XXXX  on the phone. During this conversation, I explained that I could not immediately investigate the duplicate transaction issue because I needed to review the customers order. The customer had run their card XXXX  for the same order, resulting in XXXX chargebacks of {$300.00} each. I had already refunded XXXX of these amounts before the call. I also informed XXXX that I could process a refund online through my XXXX account, but she advised against doing so. 

On XX/XX/year>, XXXX emailed me stating there were insufficient refunds and attempted to debit {$610.00} ( both chargebacks combined ) from my account despite my prior refund. She provided a payment link with a deadline of XX/XX/year>, warning that my account would be sent to collections if unpaid. I was out of the country from XXXX until early XXXX and missed follow-up emails. Consequently, my account was placed into collections shortly after the deadline, on XX/XX/year>. 

After returning, on XX/XX/year>, I contacted XXXX to resolve the debt directly and requested that my account be reopened. She declined and instructed me to handle the debt through the collection agency. That same day, Summit AR, the collection agency, contacted me seeking {$300.00} plus {$100.00} in collection fees. I dispute this process for several reasons : I had already refunded XXXX chargeback amount before the initial phone call ; XXXX attempted to debit my account for the full {$610.00} despite the refund ; I was not given a reasonable opportunity to respond while I was out of the country ; my debt was sent to collections without validating my ability to resolve it directly with XXXX ; XXXX refused to accept payment or reopen my account when I tried to resolve the issue after the deadline ; and I have not received proper validation from Summit AR to collect this debt, nor have I done business directly with them. 

I request the CFPB investigate XXXX XXXX actions and ensure the handling of my account is corrected to reflect the accurate amount owed. 

XXXX of Events : XXXX XXXX XXXX  : Phone call with XXXX XXXX; discussed duplicate chargebacks. I had refunded XXXX chargeback, but was advised not to refund online. 

XX/XX/year> : XXXX chargebacks of {$300.00} each posted on my account. 

XX/XX/year> : XXXX emailed attempting to debit {$610.00} and sent a payment link with a XX/XX/XXXX deadline. 

XX/XX/year> : Follow-up email sent reminding me of payment deadline ; I was out of the country and did not see it. 

XX/XX/year> : Account closed and placed in collections for nonpayment. 

XX/XX/year> : XXXX sent to XXXX XXXX, which began collection efforts. 

XX/XX/year> : XXXX from travel; contacted XXXX to resolve debt and requested account reopening, which was declined. XXXX XXXX  contacted me demanding {$400.00}. 

XX/XX/year> : Offered to pay {$300.00} to XXXX ; offer refused. 

XX/XX/year> : Formally disputed charges and handling with XXXX ; XXXX maintained debt is with collections.

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