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. 
