ComplaintsforSnap Recovery, Inc.

• Initial Complaint

  10/23/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I paid Snap Debt Recovery in July of 2024 to try and recover unpaid rent from 2x tenants I had to evict. My point of contact has been ****** ******** *********************************** I was told they received half of the outstanding rent and were going to send the check out in the mail. See below messaged from ****** on September 16, 2024."Good morning *********, Payment was received 8/20 for this debtor and remittance is the 15th of each month. The 15th was a Sunday so accounting is working on remittance this week. Address on file is ************************************"I have had a few additional email exchanges with ****** and each one is the same. Effectively promising that my check is going to be sent out this week, but the check never comes.I am starting to believe I have been scammed.

  

  Business response

  10/24/2024

  Mr. *********** we sincerely apologize for the internal accounting oversight. Check #**** was issued and mailed out on 10/21/24. We appreciate this being brought to our attention so upper managment can properly address the problem with our accounting team. ****** was giving you accurate timelines and your check should have absolutely been disbursed with our September remittance. Please accept our apologies. We are continuing to pursue the remaining half of your claim. 

• Initial Complaint

  10/17/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  The issue started a few months ago they started calling. They provide me with no information on where my debt came from short of a number they make up and they don't provide me any info on how they got my info. They are very rude and very quick to try and scare you into saying they will send the police if the debt is not paid. They call from multiple different numbers, most of them show up on my phone as Scam Likely but all of them leave the same voice mail message :We are from Snap Recovery call us right away about an important business matter". I come to find that they are just scammers trying to obtain money from helpless victims. Please be aware this is not a real company its a scamming front designed to scare you into thinking you have a debt.

  

  Business response

  10/18/2024

  Snap Recovery has never contacted this person before. We have no record of their name, email address, phone number or otherwise. Please remove this record immediately as we have never interacted with the conumer in any capacity. Mr. ****** must have this office mistaken for another entity. There are thousands of collection agencies  in the **********

• Initial Complaint

  10/10/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  To Whom It May Concern,I am filing a formal complaint against Snap Debt Recovery for their unlawful debt collection practices and inaccurate credit reporting. Their actions constitute violations of the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA), causing significant harm to my credit and financial wellbeing.Complaint Details:Failure to Provide Validation: Under 15 U.S.C. 1692g(b) of the *****, debt collectors are required to provide written validation of the alleged debt upon request. Snap Debt Recovery has failed to comply with this legal obligation. Despite my repeated requests for validation, they did not provide any evidence of the debt and instead sent a copy of someone elses bill, which is insufficient and unlawful.Inaccurate Reporting: Snap Debt Recovery is reporting inaccurate information on my credit report, specifically a debt in the amount of $7,304.00 associated with the address *****************************************. This inaccurate reporting violates 15 U.S.C. 1681i of the ****, which mandates that consumers have the right to dispute inaccurate information on their credit reports. They have failed to correct this error despite my requests.Unlicensed Collection Activities: Snap Debt Recovery is not licensed to collect debts in the state of Georgia, violating state regulations. Debt collectors must be licensed in the states where they operate, and their failure to comply with this requirement makes their collection efforts unlawful.Impact of Violations:As a result of Snap Debt Recoverys illegal actions, I have suffered financial harm, including a decrease in my credit score and increased interest rates, which is costing me thousands of dollars annually. Their continued reporting of this erroneous debt is causing significant emotional distress and anxiety.

  

  Business response

  10/15/2024

  This matter has been deleted from the consumer's credit report, per her request. This deletion in no way, shape, manner or form constitutes an agreement or acknowledgment of any allegations made by the consumer. Snap Recovery entirely disputes Ms. ******** false claims which are entirely without merit, but in an effort to resolve her claims amicably, have requested the derogatory **** be removed from her credit file. Should Ms. ****** take any additional actions, Snap Recovery retains the right to re-open the claim and pursue the full balance owed. Attached are the supporting docuements evidencing the amount  Ms. ****** owes ***** ********** whom is the current and original creditor. Ms. ****** received written and verbal notice of the debt she owes . 

  Customer response

  10/15/2024

  Subject: Response to Complaint ID ******** - Request for Written Proof of Credit Report Deletion
  Dear ***** ******* and Snap Recovery, Inc.,

  Thank you for your response. While I acknowledge that Snap Recovery has agreed to delete the derogatory **** from my credit report, I require formal documentation to confirm that this deletion has been processed with all three major credit bureaus (Experian, Equifax, and **********), as well as all secondary reporting agencies such as LexisNexis and any other databases that may have received this negative information.

  I would appreciate written proof that:
  The derogatory **** has been fully removed from the reports of all three major credit bureaus.
  All secondary reporting agencies (such as LexisNexis) have been notified of this deletion and have removed the information from their databases.

  Additionally, I would like written confirmation that this deletion will be permanent and that Snap Recovery will not pursue this matter further or reinsert the derogatory **** into my credit report in the future.

  
  Once I receive this documentation, I will review the information to determine whether the matter has been fully and satisfactorily resolved.
  Thank you for your cooperation in this matter. I look forward to your prompt response.

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

  Customer response

  10/16/2024

   
  Complaint: 22405977
  
  I am rejecting this response because:

  Subject: Response to Complaint ID ******** - Request for Written Proof of Credit Report Deletion
  Dear ***** ******* and Snap Recovery, Inc.,

  Thank you for your response. While I acknowledge that Snap Recovery has agreed to delete the derogatory **** from my credit report, I require formal documentation to confirm that this deletion has been processed with all three major credit bureaus (Experian, Equifax, and **********), as well as all secondary reporting agencies such as LexisNexis and any other databases that may have received this negative information.

  I would appreciate written proof that:
  The derogatory **** has been fully removed from the reports of all three major credit bureaus.
  All secondary reporting agencies (such as LexisNexis) have been notified of this deletion and have removed the information from their databases.

  Additionally, I would like written confirmation that this deletion will be permanent and that Snap Recovery will not pursue this matter further or reinsert the derogatory **** into my credit report in the future.

  
  Once I receive this documentation, I will review the information to determine whether the matter has been fully and satisfactorily resolved.
  Thank you for your cooperation in this matter. I look forward to your prompt response.

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

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

  

  Business response

  10/18/2024

  Lexnis/***** is not a credit bureau. This is an erroneous request. Ms. ****** is welcome to contact each of the credit bureaus to obtain a copy of her report at her liesure. Since the file is closed and the derogatory **** deleted, this matter is resolved and warrants no additional action.

  Customer response

  10/24/2024

   
  Complaint: 22405977
  
  I am rejecting this response because:
  

  ***** *******
  Better Business Bureau
  Re: Response to Complaint ID ******** **********************

  
  Dear *** *******,
  

  Thank you for your follow-up regarding Snap Recovery, Inc.'s response to my complaint. While the business claims that my file is closed and the derogatory **** has been deleted, I still have significant concerns that require further attention and verification.
  

  1. LexisNexis and Credit Reporting:
  Snap Recovery, Inc. asserts that LexisNexis is not a credit bureau. However, under the Fair Credit Reporting Act (FCRA) (15 U.S.C. 1681 et seq.), LexisNexis qualifies as a "consumer reporting agency" (***) because it collects and provides information used to evaluate creditworthiness, among other things. As a CRA, LexisNexis is subject to the same requirements as the major credit bureaus (Experian, Equifax, **********). This means that any inaccurate information reported must be corrected under FCRA guidelines, which include ensuring accuracy and fairness in consumer reports.
  

  I seek confirmation that any derogatory re****s related to this dispute have been completely removed from LexisNexis and all credit reporting agencies.
  

  2. Removal of Information from ******************** and Third-Party Databases:
  Snap Recovery, Inc. claims the derogatory **** has been deleted, but I request written verification that this removal has been processed with all major credit bureaus (Experian, Equifax, **********) in compliance with the Fair Credit Reporting Act. Additionally, under the Fair and Accurate Credit Transactions Act (FACTA) (Public Law *******), it is imperative that any negative information removed from my credit reports is not resold or retained by third-party data aggregators.
  Given the prevalence of third-party databases that buy and sell consumer information, I demand that Snap Recovery, Inc. ensure this derogatory **** has been removed from all such databases. This includes, but is not limited to, companies such as *******, ***********, **********, and other consumer reporting agencies. Under ****, companies are responsible for ensuring that any information they report is accurate and properly updated across all channels.
  

  3. Formal Letter of Validation:
  Pursuant to 15 U.S.C. 1681i(a) of the ****, I am entitled to a full investigation and a final determination in writing. Therefore, I am requesting a formal letter from Snap Recovery, Inc. verifying the complete removal of this derogatory **** from all credit bureaus and third-party databases.
  Without this written validation and the removal of inaccurate information, I cannot consider the matter resolved. Furthermore, should this derogatory **** continue to affect my credit report, I will be pursuing all available legal remedies, including but not limited to seeking damages under the **** for willful noncompliance (15 U.S.C. 1681n) and negligent noncompliance (15 U.S.C. 1681o), which may include actual damages, statutory damages, and punitive damages.
  

  4. Ongoing Legal Consequences:
  Additionally, if Snap Recovery, Inc. does not fully resolve this issue, I am prepared to move forward with legal action seeking damages, including punitive damages, for the continued harm to my credit report. My legal team, ********* Firm based in *******, is ready to pursue a lawsuit for $72,000 in damages should this matter remain unresolved.
  I expect a prompt resolution to this situation and the removal of all incorrect and harmful information from my credit reports and related data sources.
  

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

• Initial Complaint

  10/03/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I'm filing a formal complaint against SNAP Debt Recovery regarding a debt collection attempt. I have been contacted by this company in relation to a debt that I am unaware of, and I would like to formally request proof of the validity of this ******* per my understanding, I have never entered into any agreement or contract with SNAP Debt Recovery or any affiliated party. Therefore, I am requesting that SNAP Debt Recovery provide valid documentation proving that this debt is legally mine. Specifically, I request a copy of any signed agreement that shows my consent to this debt.Additionally, I am aware of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, and I would like SNAP Debt Recovery to cease any further collection activity until such proof is provided. This also includes removing any negative entries related to this alleged debt from my credit report, as it is my belief that this debt does not belong to **** kindly ask that this matter be resolved promptly and professionally. If SNAP Debt Recovery cannot provide the necessary documentation, I expect this debt to be removed from my records immediately.

  

  Business response

  10/04/2024

  This is not the proper venue to request debt validation, is not in fact a "complaint" and should be deleted from our profile ASAP. ******* has refused to communicate with this office despite verbal and written attempts to contact him. Attached are the unpaid invoices evidencing the debt ******* owes. Mystik Cleaning - our client - is the current and original creditor. Once ******* resolves their debt, it can then be removed from their credit. 

  Customer response

  10/04/2024

   
  Complaint: 22375713
  
  I am rejecting this response because:  I have a written contract with  Snap Recovery, Inc.
  
  Dear ***** *******,
  
  Thank you for your email regarding my complaint against Snap Recovery, Inc., ID ********. I have reviewed the response provided by Snap Recovery, Inc., as well as the attached documents.
  
  After reviewing the materials, I would like to confirm that I have not been contacted by Snap Recovery, Inc., and I do not have any written agreement or contract with them. Additionally, it is clear from the attached document that Snap Recovery, Inc. does not hold the power of attorney over the company mentioned.
  
  Based on this, I do not find the business's response to be satisfactory. I would like to proceed by continuing with the complaint process and request further investigation into the matter. I believe that Snap Recovery, Inc. needs to clarify their authority and provide more substantial documentation to validate their claims.
  
  Thank you for your continued assistance, and I look forward to resolving this issue with your support.
  
  Sincerely,  
  ******* *****
  

  

  Business response

  10/08/2024

  Snap Recovery is a 3rd party collection agency hired by ********* creditor - ************************ It's not required that the debtor have a contract with ****. We have been hired to collect a debt owed by *******, as evidenced by the documents attached to our initial response. 

  This is not the proper venue to request debt validation, is not in fact a "complaint" and should be deleted from our profile ASAP. ******* has refused to communicate with this office despite verbal and written attempts to contact him. Attached are the unpaid invoices evidencing the debt ******* owes. Mystik Cleaning - our client - is the current and original creditor. Once ******* resolves their debt, it can then be removed from their credit. 

• Initial Complaint

  09/17/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I received a phone call, text message and email requesting a payment to resolve the debt for *************, this debt is not owed, my child had both primary and secondary insurance and the business in question did not bill the secondary insurance within the required time frame. This is for a disabled child, who at the time of service had full coverage through primary and secondary insurance. Additionally this business continued to bill the insurance after services had been discontinued for additional evaluations and services all of which were not rendered. SNAP debt recovery is predatory in its methods and communications and as this matter is an issue between myself, ABA solutions and their failure to bill the State of Florida CMS ******** within the appropriate and established time period we dispute SNAP debt recovery and their ownership of this debt, we would be happy to work with ************* directly and will reach out to them to further address the medical billing dispute and any resolution that can be agreed upon with the assistance of ****************. ****** *********

  

  Business response

  09/18/2024

  Attached is the signed agreement between the parties as well as an itemization of charges as provided by the current and original creditor, *************. Due to nonpayment, the claim was submitted for collections. While there may exist a dispute between the consumer and the creditor, it appears her "complaint" against Snap is unfounded and entirely without merit. 

• Initial Complaint

  08/28/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  They took my money and did not provide services. Asked ***eatedly for copies of collection efforts on a tenant, they gave every excuse not to provide it. I insisted on copies (to prove they were providing collection services) from my sales ***resentative. Manager ended up calling me and spent 30 minutes stating that they don't have time to provide copies yet he's willing to spend even more amount of time on the phone arguing why he won't. Ended the call stating he would refund my money immediately the following day, it's been 3 1/2 weeks, and again I've contacted my sales *** on where refund is, response's are "it's been sent"

  

  Business response

  08/28/2024

  Mr. *****: 

  After having your claim for several days, you accused this office of not being a collection agency and "scamming" people for money. You spoke with one of our manager's whom advised that if you felt that way after only allowing us a few days to handle your claim that we had no problem closing the file and issuing you a full refund. We shall confirm that the check has not in fact been deposited as we issued one on July 30, 2024 and mailed to: *******************************************. We will also contact you via e-mail to arrange for a different delivery of the refund of which we have no interest in retaining. 

  Customer response

  09/12/2024

   
  Complaint: 22208222
  
  I am rejecting this response because:

  We contacted ***** from SNAP Recovery, in regard to still not receiving payment which he had stated was dropped in the mail. We furnished ***** from SNAP with our Venmo Account for Electronic payment (no refund or response).  Payment still had not been sent electronically or physically since we submitted our complaint to the BBB.  

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

  

  Business response

  09/12/2024

  Weeks ago, we requested the ***************** provide us with an alternative way to send the refund since the July ******************************* the mail. We received that info today and the refund was sent immediately (see attached). This matter is concluded. 

• Initial Complaint

  08/11/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  I am not liable for this debt with snap recovery **** I do not have a contract with snap derecovery *** either. However I did pay off the $275 debt that was owned to imperial testing and engineering. So I would like this report taken off my credit report. As Soon as possible please. Thank you

  

  Business response

  08/12/2024

  The consumer recently contacted our office to pay his debt in full. Our file has been closed and the matter is resolved. 

  Customer response

  08/14/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *********************

• Initial Complaint

  07/10/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  This company contacted me about a debt they are claiming I knew about for years. The company contacted me about 2 months ago. Every representative *** spoken seems to use bully and threatening tactics to get a payment. The representative on 7/10/24 told me shes not in the customer service business and shes does not care whats going because she pays her bills. I knew nothing of this bill until the company contacted me.

  

  Business response

  07/10/2024

  Prior to engaging with our office, the creditor provided a copy of the bill to **************** in April of 2022. They attempted to resolve this matter numerous times with her, but were unable to and subsequently placed the account for collections. **************** promised to pay the matter in full over a week ago, but has not. She did recently make a small, partial payment and we will continue working with her to resolve the debt amount owed. 

• Initial Complaint

  06/03/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  To Whom ************************* sent un-ordered, non-authorized, product for the second year in a row (Please reference internet searches where numerous complainants have described the same experience and claim that the product is some unknown (one says Spray-9) watered down common household cleaning product.Despite having been instructed to never contact our company again. Spectrum claims their recorded telephone conversations with a mechanic (which I firmly believe have been altered), are proof that we wanted more of their useless product, we disagree.When we asked how to return the product, we were informed there were no returns.After explaining that we are not willing to pay for their fraudulent order and will return their product when they provide return instructions.we were eventually contacted by Snap Recovery (Snap Debt Recovery), who plans to place this ridiculous account into collections, with legal action to follow.Please be advised that ************* is not a reputable company, as evidenced by ALL reviews and Better Business Bureau complaints. I believe the collection companys reputation, by association, should be affected negatively, as well.The recorded conversations provided by ************* reflect very different conversations than our mechanic recalls having.Sincerely,L

  

  Business response

  06/04/2024

  ************* provided recorded calls confirming the order placed by ****** Auto RV. Snap has advised the debtor that they cannot both keep Spectrum's product and not pay for it. If they wish to return it, we've offered an avenue for them to do so. To date they have refused all options to resolve this claim. If ****** Auto does not want to pay for the product they ordered, then they must pay for it. Trying to have it both ways is unethical and a poor way to do business. Any reputable company would agree. Please return the product to ************* and provide proof of mailing as well as a tracking number so delivery to ************* can be confirmed. 

  Customer response

  06/04/2024

  I have emailled Spectrum for return instructions and will keep you advised of their response

• Initial Complaint

  05/02/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  They represented a business that we feel is fraudulently claiming money for work not done and claiming excess materials not approved by homeowner for roof work. They also are not recognizing the addendum to the contract, signed and initialed by the person representing the roof company, on the same day the contract was signed by this representative of the company and approved by the company owner. We disputed the claim and provided **** with necessary paperwork, but he continues to support false claims of business stating he will turn us in to credit bureaus. Business he is representing we feel is already under investigation for fraud. Also after extensive damages to our ceilings from water leaks from their workers failure to cover roof during rainstorm, representative of roof company came to house inspecting electrical and stated that he was an electrician which state DBPR stated he had no electricians license. This we feel was more fraud. Company is not ethical if they support business engaging in fraudulent behavior. Also when business owner was asked to repair damages, he stated, That is not something I would be interested in.

  

  Business response

  05/03/2024

  The consumer provided documentation that indicates they may be entitled to a credit of approximately $300-$500. We offered to reduce the $3,739.85 debt by $700 to account for their allegation that the creditor "owes" **************. When this did not acheive their desired result, ************** then began to allege that the contract he entered into was "fraudulent". While we understand there exists a dispute between the Salso's and Central Florida Equity Builders, there appears to be a remaining unpaid balance which we have offerd ************** an opportunity to settle for less to account for the relatively small sum he initially claimed he is owed. Attached is the invoice. We invite ************** to contact our office at ************ to speak with *************** we may work towards resolving his dispute with our client. 

  Customer response

  05/21/2024

  This complaint should be for Reporting false information to a credit reporting agency by ********** at Snap Debt Recovery. 
  Response to Snap Debt Recovery- Under Florida Statutes Chapter *******, we already exerted our option to accelerate (payment) at will.  As such, our banker issued a Cashiers Check dated December 13, 2023 to PAY TO THE ***** OF *** CENTRAL FLORIDA EQUITY BUILDERS, LLC***. *** **************************** MGR *** for REROOF-FINAL PAID IN FULL PAYMENT. This was delivered December 14, 2023 along with the adjusted bill.  The Cashiers Check was signed and cashed ********.  According to the Florida Statutes *******- Accord and satisfaction by use of an instrument, (and the Uniform Commercial Codes *****); This claim is discharged.  Cashing the check is considered to be acceptance of the offer and extinguishes the debt.  Please stop reporting false information to the credit bureaus, as you claimed you are doing.  Please correct it with them.  Please stop trying to confuse us, as we are elderly and do not appreciate being, what we feel, is exploited, as we are on a limited income, and you are causing us so much anxiety that you are making us sick.  Please have your client immediately remove the BOGUS Lien he filed on our property deed.  Thank you.  

  Customer response

  05/22/2024

  Date Sent: 5/21/2024 10:53:40 PM
  This complaint should be for Reporting false information to a credit reporting agency by ********** at Snap Debt Recovery. 
  Response to Snap Debt Recovery- Under Florida Statutes Chapter *******, we already exerted our option to accelerate (payment) at will.  As such, our banker issued a Cashiers Check dated December 13, 2023 to PAY TO THE ***** OF *** CENTRAL FLORIDA EQUITY BUILDERS, LLC***. *** **************************** MGR *** for REROOF-FINAL PAID IN FULL PAYMENT. This was delivered December 14, 2023 along with the adjusted bill.  The Cashiers Check was signed and cashed ********.  According to the Florida Statutes *******- Accord and satisfaction by use of an instrument, (and the Uniform Commercial Codes *****); This claim is discharged.  Cashing the check is considered to be acceptance of the offer and extinguishes the debt.  Please stop reporting false information to the credit bureaus, as you claimed you are doing.  Please correct it with them.  Please stop trying to confuse us, as we are elderly and do not appreciate being, what we feel, is exploited, as we are on a limited income, and you are causing us so much anxiety that you are making us sick.  Please have your client immediately remove the BOGUS Lien he filed on our property deed.  Thank you.  

  

  Business response

  05/22/2024

  If the consumer can provide a copy of the payment he claims Central Florida Equity Builders received that contained some restrictive endorsement, we would be happy to review that. At this stage, no such support of the consumer's allegation has been provided. 

  

  Business response

  05/22/2024

  The consumer's first "complaint" had an entirely different allegation. ****************** story continues to evolve, without evidence. 

  

  Business response

  05/22/2024

  The consumer's first "complaint" had an entirely different allegation. ****************** story continues to evolve, without evidence. 

  Customer response

  05/22/2024

  We admit we are not savvy in using this website. All along we were filing a complaint against Snap Debt Recovery and them reporting false information to the credit bureaus.  We dont know how to delete stuff here. Today we received an email from *****. Have no idea who this is requesting the canceled endorsed check .  Because your client would not tell us if he received the checks or who signed them, we were asked to fill out fraud forms regarding the checks.  The bank believed that they did not have an LLC account and were cashing business checks on their personal accounts.  We finally got the copies and endorsements on 2 checks. **** told us not to write no more to them.  Then agreed with the Reroof Paid in FULL Payment on it. It was endorsed and cashed by them.  After your company reps used deceptive business tactics to get info from us via making us think you were helping us and we are not your clients; We feel that it is only practical for you to obtain the copy of the Cashiers check and the signature on the back from your client by and thru their bank.  We will present it to the proper authorities in the future when asked for it. Since this has all our info on it, we are not comfortable putting it online .  Please stop harassing us.  You have no idea what the company you are representing against us has done, but we assure you this debt is discharged and they need to remove the lien from our property deed or we will need to get a judge to do it.  Have a god deed.  ****** requested.  Stop reporting us to credit bureaus & removal of bogus lien by their client.  

  

  Business response

  05/23/2024

  We have simply asked the consumer to provide verification to support thier allegation. Why are we not able to respond to the consumer's additional comments? 

  Customer response

  05/23/2024

  Please find signed check by Central Florida Equity Builders for ReRoof- Final Paid in Full Payment dated December 13, 2023 and paid ********. This was delivered via ***** December 14. 2023 along with a letter sent to them explaining that this was for final payment.   

  Customer response

  05/23/2024

  Please find signed check by Central Florida Equity Builders for ReRoof- Final Paid in Full Payment dated December 13, 2023 and paid ********. This was delivered via ***** December 14. 2023 along with a letter sent to them explaining that this was for final payment.   

  Customer response

  05/23/2024

  Please find signed check by Central Florida Equity Builders for ReRoof- Final Paid in Full Payment dated December 13, 2023 and paid ********. This was delivered via ***** December 14. 2023 along with a letter sent to them explaining that this was for final payment.   

  Customer response

  05/23/2024

  We have already responded to this.  The complaint always was and should have been regarding Snap Debt Recovery and thieir reporting of false information to the credit bureaus.  They claim they are trying to resolve a debt but this debt was already discharged when their client signed and accepted the check as payment in full.  We have uploaded the check. We now request that Snap drop their collection tactics and correct their errors with the credit bureau.  We did not and do not know how this site works and we are doing our best to reply to everything as that is all we can do.  Thank you 

  Customer response

  05/23/2024

   
  Complaint: 21656496
  
  I am rejecting this response because: We have already responded to this.  The complaint always was and should have been regarding Snap Debt Recovery and thieir reporting of false information to the credit bureaus.  They claim they are trying to resolve a debt but this debt was already discharged when their client signed and accepted the check as payment in full.  We have uploaded the check. We now request that Snap drop their collection tactics and correct their errors with the credit bureau.  We did not and do not know how this site works and we are doing our best to reply to everything as that is all we can do.  Thank you 
  
  Sincerely,
  
  *********************

  

  Business response

  05/24/2024

  I am rejecting this response because: We have already responded to this. We would kindly request the consumer stop harassing our office and its staff daily. We have ceased contacting the consumer unilaterally and encourage him to direct his communications to the creditor. 

  Customer response

  05/24/2024

  Attached please find delivery receipt dated Dec 13, 2023 w/ copy of attached 2-page letter & copy of cashiers check that was included.  According to ******* Mister **** signed for it.  This debt is discharged. We cannot find where we check off that we do not accept what the business response was.  The only thing we will accept is that they fix their mistake reporting to the credit bureau as it was falsely reported as this debt is not valid.  

  Customer response

  05/24/2024

  We have sent the delivery receipt for the cashier check, a copy of the endorsed check along with the letter. We do not know how to check off that we do not accept the business response. We will mail everything to you because we dont know if you are getting the info.  The nature of the complaint should be that they are reporting false info to the credit bureau. We never checked advertising issues. In fact, we never saw what to check off.  We will file another complaint if you all cannot agree to fix the nature of the complaint.  

  Customer response

  05/31/2024

  Please find attached documents. 

  

  Business response

  06/03/2024

  I am rejecting this response because: We have already responded to this. We would kindly request the consumer stop harassing our office and its staff daily. We have ceased contacting the consumer unilaterally and encourage him to direct his communications to the creditor. 

  Customer response

  06/04/2024

   
  Complaint: 21656496
  
  I am rejecting this response because:
  They were the ones harassing us and making us think they were helping us.  Unless you can prove what you are saying, please stop making defamatory and liabelous statements.  You were the one harassing us for a copy of the Paid in Full endorsed check.  Please provide proof that you corrected your false reporting of us to the credit bureau.  Thank you.  
  Sincerely,
  
  *********************

  Customer response

  06/04/2024

  We cannot find the copy of the endorsed check and the supporting documents that we sent in to you.  As Snap Debt Recovery reported false information on us to the credit bureau.  They need to provide us proof that they corrected it.  Are they somehow above the law.  as they clearly violated the Fair Debt Collection Practices Act.  

  Customer response

  06/04/2024

  We would like to know that specifically they viewed the endorsed paid in full check and as an ethical business as they stated in an email on May 23 at 10:50 am when requesting proof of restrictive endorsed check that they will have their claim closed and removed from our credit, and that they will provide a letter of this as proof and they will no longer chase an invalid debt. Thank you.  

  

  Business response

  06/04/2024

  We have advised the consumer several times that this claim has been closed. We have not contacted the consumer for many weeks, yet continue to receive threatening and harrassing communications from the consumer. We have repeatedly requesting he cease contacting our office as we have closed the file. We have repeatedly suggested that any additional concerns are between the consumer and the current and original creditor. Please stop harassing our staff **************. 

  Customer response

  06/07/2024

   
  Complaint: 21656496
  
  I am rejecting this response because:
  It is obvious that this company screwed up by chasing an invalid debt but it is also shameful for them that they cannot admit and own their mistakes instead of attacking us.  The last email to them was a copy of the endorsed check on May 30 after receiving several emails from them requesting the proof. They never told us they closed the claim.  They now need to notify the credit bureau of their mistake and provide us proof that this was removed from our credit reports .  Thank you.  On a final note for snap debt recovery- their ad boasts of how they will. Relentlessly chase a debt and torment someone until the debt is paid. That is their ad viewable and available online at https:snapdebtrecovery.com:about/
  Sincerely,
  
  *********************

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