Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:05/20/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My parents and I bought building at same time same day and I've paid the same amount as them are payments were made together and my parents has been paid off now bout 6 months and there trying to say I still owe on mine and now threating to come take a building I more than paid for and when I try to talk to them about it they refuse any discussion and say pay or well take building they will not provide recites or give me a balance owed my bill always shows that bill is last payment I just want to be done with them

  Business Response

  Date: 06/12/2025

  We are sorry to hear of Mr. Montgomery's complaint. We have reviewed the account and it does appear there was a text send to Mr. Montgomery's account in error, regarding the potential of a scheduled pickup of the building. This text was sent on 5/20/2025. We see where Mr. Montgomery called in but it is not clear if he was able to speak with his account manager who sent the text in error.  At that time of the text Mr. Montgomery's account was running past due, however he was making his minimum monthly payment keeping his account from being at risk of recovery. Mr. Montgomery made 3 different payments between 5/20 and 5/30 paying the account in full.

  At this time Mr. Montgomery's account is closed and a pay off letter was mailed out on 6/3/2025. 

  We apologize for the confusion and understand how this could have caused Mr. Montgomery frustration.

  Customer Answer

  Date: 06/13/2025

   
  
  Complaint: 23354450
  
  
  
  I am rejecting this response because:
  
  My problem is that my mom and dad bought a building on exact same day we signed papers next to each other I sent in the same amount of money as my mom and hers was paid off 1 yr before mine even though I was paying the same amount of money why is this fair to me 
  
  Sincerely,
  
  
  
  Billy Montgomery

  Business Response

  Date: 06/24/2025

  While I cannot provide details for another customers account, I can share that the terms for Mr. Montgomery were different than his fathers account, along with a smaller cost reduction amount. This is why the cost is different. Mr. Montgomery had a longer term, which in term gave a higher rental fee % of the payment. We are happy to discuss this in detail with Mr. Montgomery if he would like a call from our office.

• Initial Complaint

  Date:04/19/2025

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We called summit management group 2 days ago and told them we were paying off the cabin and how much it would be after being on hold for a few minutes then lady come back and said pay off was *******...but if we paid it online there would be a 3% convenience fee but we would be good and paid off . So we made the payment on Friday April 18 2025 of ******* plus 3% which come up to like ******* and now they are saying we still owe them ******

  Business Response

  Date: 04/29/2025

  We are sorry to hear of Mr. ********* frustration. I have reviewed the account and see that a web payment for $2861.70 was processed in our system on 4/18/25. It shows a correction made on 4/21/25, closing the account as paid in full. We were unaware of Mr. ********* frustrations as we have not heard from him or Ms. ******* since receiving the payoff on 4/18. Again, this was corrected in our system, and the account is closed and considered paid in full. They will be receiving their payoff letter in early May. We are happy to assist with any questions or concerns the Bullocks may have regarding their account.

  Customer Answer

  Date: 04/29/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and I accept their proposed resolution.

  
  Sincerely,
  
  **** *******

  ***************

  Stockton, MO 65785

  
  

• Initial Complaint

  Date:04/18/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In June 2023, I signed a rent-to-own barn contract with ****** Rentals via DocuSign from a dealer on ************ in *****, **, and a delivery company (**************************) in ******. 2 months later I was told to begin paying Summit Management Group, a company never named in my contract. They sent a generic Word document claiming they took over from JAG Barn Management another unlisted company, and began billing me with no proof of ownership or servicing rights.Summit has refused to provide documentation showing legal standing, reassignment authority, or SC registration. Ive paid over $16,700 toward a barn with a $16,420 cash price, and they now demand another $14,766.01 with no ledger transparency. They collect SC sales tax without registration. The only documents provided are SC DOR tax tables, the JAG Word doc, and a ledger from ************* with no definitions or breakdowns. Where numbers are provided, no meaningful calculations are shown.Theyve called themselves asset owner, servicer only, servicer after default, and contract manager, depending on the audience including to regulators in ** and TN without supporting documents. When asked, they say documentation is available upon request but never provide it or claim none is needed neither of which is legally tenable. Their responses lean on optics and confusion not clarity.The phone number they use *************), and their email, billing domains, and mail server (************************; IP **************), are tied directly to ****** ******. Their server was suspended by ******** Hosting for abuse and later reactivated by *** ***** of ************* (listed as their web developer, tied to *********** and ***************). SPF, DNS, and Gmail trust were never fixed. Yet Summit refuses to disclose any affiliation with ******************** or 15+ related entities to regulators.This isnt confusion. Its a coordinated misrepresentation pattern across layered entities and infrastructure.

  Business Response

  Date: 04/29/2025

  Unfortunately, this is Mr. ****** 3rd complaint with our company in the last 30 days. The one differing information in this complaint is in regards to Mr. ****** accusation of our company having regulation issues. Our answer to Mr. ****** complaint is the same as our prior interactions. We are more than happy to work through these details with Mr. ****** however, at this time all communication attempts with Mr. ***** have not landed in a resolution. The allegation of our company misrepresenting our customer is in accurate. We pride ourselves on high level customer service, along with the desire to provide accurate information, and accessibility. 

  Business Response

  Date: 04/30/2025

  From the BUSINESS:

  Sent 4/29/2025 3:41:05 PM

  Unfortunately, this is Mr. ****** 3rd complaint with our company in the last 30 days. The one differing information in this complaint is in regards to Mr. ****** accusation of our company having regulation issues. Our answer to Mr. ****** complaint is the same as our prior interactions. We are more than happy to work through these details with Mr. ****** however, at this time all communication attempts with Mr. ***** have not landed in a resolution. The allegation of our company misrepresenting our customer is in accurate. We pride ourselves on high level customer service, along with the desire to provide accurate information, and accessibility. 

  Customer Answer

  Date: 04/30/2025

   
  Complaint: 23222363
  
  I am rejecting this response because: Summit Management Groups reply is a deliberate evasion of every material issue raised in my complaint, continuing a clear, consistent pattern across every channel where Ive requested answers. They again provide no contract reassignment, no proof of servicing authority, no ************** registration, no explanation of the $14,766 balance, and no legal basis for collecting South Carolina taxes while unregistered. Instead, they rely on vague denials, vague claims of customer service, none of which theyve substantively addressed. This response is not unique or misunderstood; its exactly what I expected and it's focus is narrative control and image management. *** already submitted formal complaints to state and federal agencies precisely because Summit refuses to provide documentation, answer basic ownership questions, or reconcile their contradictory legal role claims across jurisdictions. At this point, their responses are not just unhelpful, they're part of the evidence. Their infrastructure ties to ****** ******, their use of suspended domains, and their unwillingness to produce documents are not customer service issues; they are indicators of deeper regulatory problems, which I've surfaced in other complaints and is far from "differing information in this complaint". I am adding this response to my broader evidentiary archive and escalating it as I continuously do with all new evidence and responses from their company, along with DNS records, hosting history, and complaint documentation, to relevant oversight bodies.
  
  Sincerely,
  
  ***** *****

  Business Response

  Date: 05/13/2025

  Summit Management Group serves solely as a contract management company for *************** Ownership of Mr. ****** contract has not been transferred to Summit Management Group. ****** ******* retains ownership of Mr. ****** contract, and any enforcement of rights remains the sole responsibility of ****** ******** On September 1, 2023, Marcus ******* and Summit Management Group entered into a contract management agreement, under which Summit Management Group was engaged to handle payments, accounting, servicing, and contract management on ************** behalf. Agreement for Service available upon request.Contrary to Mr. ****** assertion, ****** ******* and Summit Management Groups business model operates in full compliance with applicable federal and state laws. Neither Marcus ******* nor Summit Management Group has engaged in misconduct, unlawful payment enforcement, deceptive financial structuring, or any consumer or regulatory violations. 

  Summit Management Groups role is limited to contract management on behalf of ***************************************** is duly licensed to do business in *************** Any legal action against Mr. ***** will be pursued by ****** ******** Repossession efforts in ************** were conducted by an independent contractor specializing in repossessions. Summit Management Group is not required to be registered as a foreign corporation in ************** as we are not actively doing business there.

  ****** ******* has been transparent in all of ******************** statements, by providing Mr. ***** his total amount due to acquire ownership of the leased property, his total amount paid, his early payoff amount, past due rental payment balance, and late fees. It has been explained to Mr. ***** that some of these amounts will change because of his failure to renew his rental payments.
  
  The Early Purchase Option (***) calculation dated for March 7th was based on the payment due date of March 1, 2025. However, Mr. ***** did not make the March payment within the 7-day grace ******* As a result, late fees and additional rental charges were added to the account as of the *** quote dated March ****** ***** referenced this updated amount on March 14th. 

  ****** ******* is more than willing to work with Mr. ****** However, his failure to renew his lease constitutes a breach of the agreement. To achieve an amicable solution, he must either bring his account current and continue making his monthly lease payments, exercise his Early Purchase Option, or surrender the leased property, as outlined in his contract with ****** ********
  
  Neither Summit Management Group nor ****** ******* have violated any consumer protection laws. However, ****** ******* will pursue all available civil remedies due to Mr. ****** failure to renew his lease payments. Notwithstanding this dispute, ****** ******* is committed to engaging with customers to explore mutually workable solutions.

   

  
  

  Business Response

  Date: 05/13/2025

  Summit Management Group serves solely as a contract management company for *************** Ownership of Mr. ****** contract has not been transferred to Summit Management Group. ****** ******* retains ownership of Mr. ****** contract, and any enforcement of rights remains the sole responsibility of ****** ******** On September 1, 2023, ************** and Summit Management Group entered into a contract management agreement, under which Summit Management Group was engaged to handle payments, accounting, servicing, and contract management on ************** behalf. Agreement for Service available upon request.Contrary to Mr. ****** assertion, ****** ******* and Summit Management Groups business model operates in full compliance with applicable federal and state laws. Neither Marcus ******* nor Summit Management Group has engaged in misconduct, unlawful payment enforcement, deceptive financial structuring, or any consumer or regulatory violations. 
  
  Summit Management Groups role is limited to contract management on behalf of ****** ******** ******************** is duly licensed to do business in *************** Any legal action against Mr. ***** will be pursued by ****** ******** Repossession efforts in ************** were conducted by an independent contractor specializing in repossessions. Summit Management Group is not required to be registered as a foreign corporation in ************** as we are not actively doing business there.
  
  ****** ******* has been transparent in all of ******************** statements, by providing Mr. ***** his total amount due to acquire ownership of the leased property, his total amount paid, his early payoff amount, past due rental payment balance, and late fees. It has been explained to Mr. ***** that some of these amounts will change because of his failure to renew his rental payments.
  
  The Early Purchase Option (***) calculation dated for March 7th was based on the payment due date of March 1, 2025. However, Mr. ***** did not make the March payment within the 7-day grace ******* As a result, late fees and additional rental charges were added to the account as of the *** quote dated March 11. Mr. ***** referenced this updated amount on March 14th. 
  
  ****** ******* is more than willing to work with Mr. ****** However, his failure to renew his lease constitutes a breach of the agreement. To achieve an amicable solution, he must either bring his account current and continue making his monthly lease payments, exercise his Early Purchase Option, or surrender the leased property, as outlined in his contract with *********************
  
  Neither Summit Management Group nor ****** ******* have violated any consumer protection laws. However, ****** ******* will pursue all available civil remedies due to Mr. ****** failure to renew his lease payments. Notwithstanding this dispute, ****** ******* is committed to engaging with customers to explore mutually workable solutions.

  Business Response

  Date: 05/13/2025

  Date Sent: 5/13/2025 12:23:48 PM
  

  Summit Management Group serves solely as a contract management company for *************** Ownership of Mr. ****** contract has not been transferred to Summit Management Group. ****** ******* retains ownership of Mr. ****** contract, and any enforcement of rights remains the sole responsibility of ****** ******** On September 1, 2023, Marcus ******* and Summit Management Group entered into a contract management agreement, under which Summit Management Group was engaged to handle payments, accounting, servicing, and contract management on ************** behalf. Agreement for Service available upon request.Contrary to Mr. ****** assertion, ****** ******* and Summit Management Groups business model operates in full compliance with applicable federal and state laws. Neither Marcus ******* nor Summit Management Group has engaged in misconduct, unlawful payment enforcement, deceptive financial structuring, or any consumer or regulatory violations. 

  Summit Management Groups role is limited to contract management on behalf of ****** ******** ******************** is duly licensed to do business in *************** Any legal action against Mr. ***** will be pursued by ****** ******** Repossession efforts in ************** were conducted by an independent contractor specializing in repossessions. Summit Management Group is not required to be registered as a foreign corporation in ************** as we are not actively doing business there.

  Marcus ******* has been transparent in all of ******************** statements, by providing Mr. ***** his total amount due to acquire ownership of the leased property, his total amount paid, his early payoff amount, past due rental payment balance, and late fees. It has been explained to Mr. ***** that some of these amounts will change because of his failure to renew his rental payments.
  
  The Early Purchase Option (***) calculation dated for March 7th was based on the payment due date of March 1, 2025. However, Mr. ***** did not make the March payment within the 7-day grace ******* As a result, late fees and additional rental charges were added to the account as of the *** quote dated March 11. Mr. ***** referenced this updated amount on March 14th. 

  ****** ******* is more than willing to work with Mr. ****** However, his failure to renew his lease constitutes a breach of the agreement. To achieve an amicable solution, he must either bring his account current and continue making his monthly lease payments, exercise his Early Purchase Option, or surrender the leased property, as outlined in his contract with *********************
  
  Neither Summit Management Group nor ****** ******* have violated any consumer protection laws. However, ****** ******* will pursue all available civil remedies due to Mr. ****** failure to renew his lease payments. Notwithstanding this dispute, ****** ******* is committed to engaging with customers to explore mutually workable solutions.

  Customer Answer

  Date: 05/13/2025

  I am rejecting this response because:
  Summit Management Groups latest submission continues a coordinated pattern of strategic misdirection, role-shifting, and documentation evasion. Once again, they assert they serve solely as a contract management company for ****** Rentals and disclaim ownership of my contract. However, in prior communications, including those submitted to both me and regulators in ********* and ************************************** has referred to itself as the asset owner, servicer, and servicer after default.
  I am attaching direct communication from Summit to me, wherein they claimed to be the "owner" into my complaint archive here to ensure it is excruciatingly clear that Summit has made contradictory claims about their legal role, depending on audience and jurisdiction (page 1 second to last paragraph for reference). This isnt a misunderstanding. It is active misrepresentation, now carried into this public record.
  Summit also again says documentation is available upon request", like they stated to TN Regulators in their "closing statement" for that case too. I have made that request over a dozen times across multiple channels. No documentation has ever been provided, not the servicing agreement, not a formal reassignment, not legal proof of standing. Their statements have no weight unless backed by evidence, and their repeated available upon request claim is now a pattern of delay and deflection.
  Further, Summit claims it is not "doing business" in ************** and is therefore exempt from registration. Yet they:
  Collect monthly payments from me, a ************** resident.
  Include South Carolina sales tax in their billing without being registered with the *************************
  Issued repossession threats and coordinated entry onto my private property.
  Sent communications asserting financial control over a **************-based asset.
  This plainly satisfies the definition of "transacting business" under S.C. Code *********, regardless of how Summit attempts to disclaim legal presence. Their own conduct disproves their narrative.
  They also assert that ****** Rentals retains ownership and may pursue civil remedies. Yet when the BBB in my parallel complaint attempted to send a notice to ******, the letter was returned undeliverable. That issue may stem from my **** Inspector General complaint, which outlines address abuse involving ****** Rentals and other affiliated entities. As documented in my report, multiple entities, including Summit, ******, JAG Barn Management, and others, use the same mailing address across registration filings and billing infrastructure. These overlaps are not coincidental.
  Importantly, Summits infrastructure is routed through domains and servers controlled by ****** ******, including summitmanagement.group, ****************, and ************************, which was suspended for abuse and later reactivated by a contractor *************** tied to the same digital ecosystem (***************). This means all consumer payments, correspondence, and more are routed through ********************, ********, Barns Across *******, and more. Despite this, Summit denies any connection to ********************. This level of deception alone is grounds for further scrutiny.
  At this point, my objective in this BBB process is not resolution. It is documentation. I will continue responding to ensure that Summits contradictory statements are placed on record in as many forums as possible. My full investigative report, covering over 65 entities across 14+ states, is available here for the BBBs review, should there be interest in evaluating the broader systemic concerns beyond this individual complaint:

  ***********************************************************************************************************************

  
  Also, this is my direct follow-up to the BBB because Summit's most recent response did not give me an option to officially reject or accept their statement, limiting my ability to formally log disagreement through the platform. I am submitting this now to maintain the continuity of my complaint and to preserve the integrity of the record.
  Lastly, I strongly encourage the BBB to escalate this matter in any way possible, as the deceptive conduct exhibited by Summit Management Group and its related entities presents an ongoing consumer risk across multiple jurisdictions. This is not an isolated complaint, it is part of a growing archive of regulatory evasion, digital misrepresentation, and financial abuse, which I am committed to documenting in full.
  Sincerely,

  ***** *****

  Customer Answer

  Date: 05/13/2025

   
  Complaint: 23222363
  

  I am rejecting this response because:
  Summit Management Groups latest submission continues a coordinated pattern of strategic role-shifting, documentation evasion, and misrepresentation. Once again, they assert they serve solely as a contract management company for ****** Rentals and disclaim any ownership of my contract. However, in prior written communications, including submissions to me and to state regulators in ************** and *********, Summit has repeatedly described itself as the asset owner, servicer, and servicer after default. These are legally distinct mutually exclusive roles with real implications. 
  To ensure this contradiction is clearly documented in the public record, I am attaching direct communication from Summit referencing ownership, specifically on page 1, second-to-last paragraph, where they referred to themselves as owner. This inconsistency is not an oversight; it is a verifiable pattern of shifting legal claims, depending on the audience or forum.
  Summit again states that documentation is available upon request. They made the same claim to Tennessee regulators in their formal closing response, yet after more than a dozen documented requests across multiple channels, no documentation has ever been provided, not a servicing agreement, not a reassignment, and not proof of standing. At this point, that phrase has become a strategic deflection tactic rather than a genuine offer of transparency.
  Summit also claims it is not doing business in ************** and therefore not subject to foreign registration laws. But:
  They collect monthly payments from me, a ************** resident.
  They include South Carolina sales tax in billing while not registered with the *************************
  They have issued repossession threats and coordinated entry onto my private property.
  They have sent written communications asserting financial control over the **************-based asset.
  By any reasonable interpretation, this qualifies as transacting business under S.C. Code 3315101.
  Summit further states that ****** Rentals retains ownership and may pursue civil remedies. However, When the BBB attempted to contact ****** Rentals directly, the notice was returned undeliverable. I have reason to believe this may relate to ongoing concerns Ive raised about address irregularities across multiple affiliated entities, which are documented in detail in my investigative report. Multiple companies in this network appear to share overlapping mailing addresses, phone numbers, and digital infrastructure, further blurring their claimed separateness.
  Of particular concern, Summits entire consumer payment (incl. taxes) and email infrastructure (for consumers, agencies, and regulators) is routed through domains and servers owned by ******************** and a personal individual tied to this network, including summitmanagement.group, ****************, and ************************. That server was suspended for abuse and scans during that period suggest that a third party tied to ************* manipulated DNS records to maintain surface-level operations (i.e. keep GMail alive and active). This infrastructure overlaps with ********, Barns Across *******, ***********************, ****************, and others, entities that appear coordinated in both billing and communications. Despite this, Summit continues to deny any affiliation.
  My objective in this BBB process is not to obtain resolution. It is to establish documentation. I will continue doing so to ensure Summits contradictory legal claims are preserved in public records across forums and jurisdictions. As stated in my initial complaint and in direct correspondence with Summit (see attached email), I am not requesting a refund. I am offering Summit an opportunity to disengage, step away from this contract, and resolve this matter without further escalation or formal action, for which I am fully prepared.
  I have provided the BBB with a confidential link to my full investigative report, which documents the activities of over 65 entities across 14+ states. That report may be useful should the BBB wish to evaluate systemic risk patterns beyond the scope of this single consumer complaint.
  This submission preserves the integrity of the record and maintains the chain of documentation.
  Lastly, I respectfully urge the BBB to escalate this matter internally in any way it deems appropriate. Based on the evidence Ive collected and shared, the behavior exhibited by Summit and related entities poses an ongoing risk to consumers nationwide.

  From the CONSUMER:

  Sent 5/13/2025 1:55:33 PM

  Read by ******************** on 5/13/2025 1:56:36 PM

  I am rejecting this response because:
  Summit Management Groups latest submission continues a coordinated pattern of strategic misdirection, role-shifting, and documentation evasion. Once again, they assert they serve solely as a contract management company for ****** Rentals and disclaim ownership of my contract. However, in prior communications, including those submitted to both me and regulators in ********* and ************************************** has referred to itself as the asset owner, servicer, and servicer after default.
  I am attaching direct communication from Summit to me, wherein they claimed to be the "owner" into my complaint archive here to ensure it is excruciatingly clear that Summit has made contradictory claims about their legal role, depending on audience and jurisdiction (page 1 second to last paragraph for reference). This isnt a misunderstanding. It is active misrepresentation, now carried into this public record.
  Summit also again says documentation is available upon request", like they stated to TN Regulators in their "closing statement" for that case too. I have made that request over a dozen times across multiple channels. No documentation has ever been provided, not the servicing agreement, not a formal reassignment, not legal proof of standing. Their statements have no weight unless backed by evidence, and their repeated available upon request claim is now a pattern of delay and deflection.
  Further, Summit claims it is not "doing business" in ************** and is therefore exempt from registration. Yet they:
  Collect monthly payments from me, a ************** resident.
  Include South Carolina sales tax in their billing without being registered with the *************************
  Issued repossession threats and coordinated entry onto my private property.
  Sent communications asserting financial control over a **************-based asset.
  This plainly satisfies the definition of "transacting business" under S.C. Code *********, regardless of how Summit attempts to disclaim legal presence. Their own conduct disproves their narrative.
  They also assert that ****** Rentals retains ownership and may pursue civil remedies. Yet when the BBB in my parallel complaint attempted to send a notice to ******, the letter was returned undeliverable. That issue may stem from my **** Inspector General complaint, which outlines address abuse involving ****** Rentals and other affiliated entities. As documented in my report, multiple entities, including Summit, ******, JAG Barn Management, and others, use the same mailing address across registration filings and billing infrastructure. These overlaps are not coincidental.
  Importantly, Summits infrastructure is routed through domains and servers controlled by ****** ******, including summitmanagement.group, ****************, and ************************, which was suspended for abuse and later reactivated by a contractor (*************) tied to the same digital ecosystem (***************). This means all consumer payments, correspondence, and more are routed through ********************, ********, Barns Across *******, and more. Despite this, Summit denies any connection to ********************. This level of deception alone is grounds for further scrutiny.
  At this point, my objective in this BBB process is not resolution. It is documentation. I will continue responding to ensure that Summits contradictory statements are placed on record in as many forums as possible. My full investigative report, covering over 65 entities across 14+ states, is available here for the BBBs review, should there be interest in evaluating the broader systemic concerns beyond this individual complaint:

  ***********************************************************************************************************************

  
  Also, this is my direct follow-up to the BBB because Summit's most recent response did not give me an option to officially reject or accept their statement, limiting my ability to formally log disagreement through the platform. I am submitting this now to maintain the continuity of my complaint and to preserve the integrity of the record.
  Lastly, I strongly encourage the BBB to escalate this matter in any way possible, as the deceptive conduct exhibited by Summit Management Group and its related entities presents an ongoing consumer risk across multiple jurisdictions. This is not an isolated complaint, it is part of a growing archive of regulatory evasion, digital misrepresentation, and financial abuse, which I am committed to documenting in full.
  Sincerely,

  ***** *****

  From the CONSUMER:

  Sent 5/13/2025 2:12:32 PM

  Read by ******************** on 5/13/2025 2:13:17 PM

   
  Complaint: 23222363
  

  I am rejecting this response because:
  Summit Management Groups latest submission continues a coordinated pattern of strategic role-shifting, documentation evasion, and misrepresentation. Once again, they assert they serve solely as a contract management company for ****** Rentals and disclaim any ownership of my contract. However, in prior written communications, including submissions to me and to state regulators in ************** and *********, Summit has repeatedly described itself as the asset owner, servicer, and servicer after default. These are legally distinct mutually exclusive roles with real implications. 
  To ensure this contradiction is clearly documented in the public record, I am attaching direct communication from Summit referencing ownership, specifically on page 1, second-to-last paragraph, where they referred to themselves as owner. This inconsistency is not an oversight; it is a verifiable pattern of shifting legal claims, depending on the audience or forum.
  Summit again states that documentation is available upon request. They made the same claim to Tennessee regulators in their formal closing response, yet after more than a dozen documented requests across multiple channels, no documentation has ever been provided, not a servicing agreement, not a reassignment, and not proof of standing. At this point, that phrase has become a strategic deflection tactic rather than a genuine offer of transparency.
  Summit also claims it is not doing business in ************** and therefore not subject to foreign registration laws. But:
  They collect monthly payments from me, a ************** resident.
  They include South Carolina sales tax in billing while not registered with the *************************
  They have issued repossession threats and coordinated entry onto my private property.
  They have sent written communications asserting financial control over the **************-based asset.
  By any reasonable interpretation, this qualifies as transacting business under S.C. Code 3315101.
  Summit further states that ****** Rentals retains ownership and may pursue civil remedies. However, When the BBB attempted to contact ****** Rentals directly, the notice was returned undeliverable. I have reason to believe this may relate to ongoing concerns Ive raised about address irregularities across multiple affiliated entities, which are documented in detail in my investigative report. Multiple companies in this network appear to share overlapping mailing addresses, phone numbers, and digital infrastructure, further blurring their claimed separateness.
  Of particular concern, Summits entire consumer payment (incl. taxes) and email infrastructure (for consumers, agencies, and regulators) is routed through domains and servers owned by ******************** and a personal individual tied to this network, including summitmanagement.group, ****************, and ************************. That server was suspended for abuse and scans during that period suggest that a third party tied to ************* manipulated DNS records to maintain surface-level operations (i.e. keep GMail alive and active). This infrastructure overlaps with ********, Barns Across *******, ***********************, ****************, and others, entities that appear coordinated in both billing and communications. Despite this, Summit continues to deny any affiliation.
  My objective in this BBB process is not to obtain resolution. It is to establish documentation. I will continue doing so to ensure Summits contradictory legal claims are preserved in public records across forums and jurisdictions. As stated in my initial complaint and in direct correspondence with Summit (see attached email), I am not requesting a refund. I am offering Summit an opportunity to disengage, step away from this contract, and resolve this matter without further escalation or formal action, for which I am fully prepared.
  I have provided the BBB with a confidential link to my full investigative report, which documents the activities of over 65 entities across 14+ states. That report may be useful should the BBB wish to evaluate systemic risk patterns beyond the scope of this single consumer complaint.
  This submission preserves the integrity of the record and maintains the chain of documentation.
  Lastly, I respectfully urge the BBB to escalate this matter internally in any way it deems appropriate. Based on the evidence Ive collected and shared, the behavior exhibited by Summit and related entities poses an ongoing risk to consumers nationwide.

   

  
  

  Business Response

  Date: 06/03/2025

  It is unfortunate that Mr. ***** continues to reject our responses. Mr. ***** stated in his most recent rejection "My objective in this BBB process is not to obtain resolution. It is to establish documentation.", clearly showing he has no desire for resolution. His desire is for our company to ignore the remaining balance owed for ownership of the portable building and hand him over said ownership. We stand by our desire to have resolution or come to a mutually beneficial agreement with Mr. ****** but again he clearly stated he does not desire that outcome. 

  Customer Answer

  Date: 06/04/2025

   
  Complaint: 23222363
  
  I am rejecting this response because:

  Summits latest submission once again fails to provide any material documentation addressing the legal deficiencies previously identified. Rather than produce ownership records, servicing agreements, payment ledgers, or proof of legal standing, as repeatedly requested, Summit instead attempts to reframe this matter as a question of my willingness to resolve, while sidestepping the core issue: their ongoing refusal to substantiate authority to enforce this contract.

  
  To clarify, my previous statement that my objective is to establish documentation reflects the ongoing need to preserve an accurate record of Summits shifting positions and unresolved contradictions, not an unwillingness to resolve. Summit has been afforded multiple opportunities across regulated forums to produce the documentation any entity seeking to enforce a contract would be required to maintain. They have not done so.

  
  Efforts to engage ****** Rentals directly have yielded no response. Mail addressed to ****** Rentals has been returned undeliverable; no dedicated phone number or email contact exists for the company. Summit Management Group has operated at all times as the sole point of contact, billing entity, and enforcement agent; previously representing itself as the asset owner directly to me and in documentation provided to law enforcement and regulatory agencies. Under these circumstances, Summit remains legally responsible for the contract enforcement activities it continues to pursue. ****** Rentals role, if any, remains unsubstantiated and functionally irrelevant to the consumer-facing enforcement actions at issue.

  
  Rather than resolve the matter, Summit retained out-of-jurisdiction legal counsel on behalf of ****** Rentals, who issued four (4) separate collection demands directed to both myself and my spouse while these active disputes remained pending before multiple state and federal agencies. In my written response to their counsel, delivered via email, regular mail, and certified mail, I made clear that these same documentation requests had already been made repeatedly, and that their client had either failed or refused to satisfy those obligations as required by law. Despite these ongoing disputes, Summit continues collection activity while knowingly disregarding its statutory obligations.

  
  The companys repeated failure to provide requested documentation while simultaneously continuing collection efforts speaks for itself and does not reflect good faith conduct.
  I reserve all rights under state and federal law. This submission shall not be construed as an admission of liability.
  
  Sincerely,
  ***** *****