Consumer complaint received 2024-09-18 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: FL

Complaint narrative:
The short version is that Summit Account Resolution is handling this collection for XXXX rental car agency. Both Summit and XXXX have confirmed that all resolutions must go through Summit. Summit has put a collection on my otherwise stellar credit report. I never heard anything about this from them until XXXX, XXXX after I disputed this with the credit bureau 's. After trying to discuss the matter with Summit, I've been told my only option is to make the payment. For the reasons and longer version below, I feel this is not valid and should be removed from my credit file immediately. 
_____________________________________________________________________ On XX/XX/XXXX I established a corporate ( not personal ) account with XXXX. My first booking was for an approximately 1-month trip to begin on XX/XX/XXXX. There were several issues that arose causing us to need to book a local hotel at our expense. I'll highlight a few of them. The day of pickup there was an agent " filling in. '' She was backed up, overwhelmed and didn't know didn't know the procedure to process our rental with an updated credit card. That caused a 2-hour delay for us while we waited for her to get the answer and get us processed. That delay caused us to be in the middle of a parade that closed the streets to our hotel. We had to walk over 6 blocks to our hotel with our luggage and then we were trapped and could n't drive out of the city. This caused us to miss our ferry. Our travel plans were severely delayed and we had to cover these expenses out of pocket. We were told by that agent that the office supervisor would reach out to us to address our complaints with a resolution. Over the course of the month I called several times and was told I'd get a call back. That never happened. I returned the car 3 days early and discussed it with the airport drop off location as well. They said they were putting in a call for us but also gave us another supervisor to call. We were unsuccessful in reaching them as well. I called XXXX XXXX, who sold me the corporate account and he said he'd investigate it. After not hearing back from anyone I reached out to my credit card company and told them of the situation. They filed a dispute on my behalf and reached out to XXXX for documentation and a response. Per the dispute notes, I was asking for half of what I paid back due to my additional expense related to the issues mentioned above. XXXX XXXX XXXX, it appears XXXX never replied to them. It is clear they received the dispute as Summit ( the collection agency ) recently sent me a copy of my rental agreement with the notes of the dispute included. After not hearing anything back on their investigation, XXXX XXXX made the decision to take back the full payment to XXXX. I received a few emails from XXXX and my response every time was to please call me so I could discuss the situation. They never called, they never replied to XXXX XXXX but instead sent this to a collection agency, Summit. I was unaware of this action. I never heard from XXXX or Summit on this situation. I was never told it was in collection or any adverse action would be taken against my credit. I knew nothing of this until XXXX, XXXX when a lender did a soft credit check. My credit is excellent with XXXX, who I use to check my credit but apparently XXXX and XXXX had this collection issue marring my credit. I was completely unaware and surprised by this. I disputed it twice with the credit bureaus and they suggested I file a complaint with CFPB. After the second dispute Summit sent me documentation and that was the first time I ever heard or interacted with them. I called them XX/XX/XXXX and left a message asking for a return call. I never heard back so called again XX/XX/XXXX. I spoke with XXXX XXXX, a collection manager. I found her to be extremely rude. She wouldn't allow me to explain anything and told me my only option was to pay. We went around and around. She mentioned that I was charged for being 3 days late with the return, the fact was that I returned it 3 days early. The entire conversation was rude and frustrating. She allowed me to record the call and I'm sure she has a recording as well. Following that I reached out to XXXX many times. Talked to two supervisors, one named XXXX who opened a case. Both supervisors said accounting would investigate it and get back to me. That never happened and after the last call on XX/XX/XXXX, I decided to file my complaint here. XXXX said everything has to be handled through Summit, and Summit will not hear or address anything that has happened. 

My issues are : XXXX. This is a corporate account and they're filing against my personal credit. 
XXXX. Summit, XXXX or anyone never reached out before filing a collection on my credit. 
XXXX. I immediately reached out multiple times to multiple people in XXXX to resolve this issue when it first happened. 
XXXX. XXXX XXXX opened an investigation and decided after XXXX provided no response or communication. THIS IS THE MOST IMPORTANT DETAIL. 
XXXX. I have reached out to Summit and XXXX recently after finding out about this being put on my credit file and neither will address it or remove it. 

This is NOT an unpaid balance as stated. This was paid and full by me. The money was taken back through a valid dispute and investigation process by XXXX XXXX, not ME.

Company response to consumer: Closed with explanation