ComplaintsforSnap Recovery, Inc.

• Initial Complaint

  03/27/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I deny any liability for the debt attributed to ************************* **** Additionally, I have no contractual agreement with Snap Debt Recovery. Despite my request, they failed to furnish the original contract containing my accurate information such as my address and social security number.

  

  Business response

  03/29/2024

  Attached are the documents supporting the $4,750.00 debt owed to our client, ************************ - which includes the Promissory Note you signed. These items were previously provided to you despite you ignoring all communcations providing you an opportunity to amicably resolve the debt you owe. Given your refusal to do so, our client has instructed us to proceed accordingly. 

  

  Business response

  03/29/2024

  Ledger and promissory note attached. 

  Customer response

  03/29/2024

   
  Complaint: 21496441
  
  I am rejecting this response because: The attachments provided fail to establish that this debt belongs to me. If my information was stolen, these papers merely demonstrate that someone fraudulently acted under my name. I am wrongly accused of possessing something I had no part in. Neither of the attachments contains evidence linking me to the debt, as they solely consist of a ledger unrelated to me. It's glaringly evident that the inclusion of the company "Vizva" in the ledger makes absolutely no sense, casting serious doubt on the legitimacy of their involvement in this matter. Furthermore, I do not observe any agreement bearing my signature and my  accurate personal information. It is imperative to expunge this collection from my record, as there exists no valid contractual agreement between myself and Snap Debt Recovery. I bear no responsibility for this debt. 
  
  Sincerely,
  
  *******************

  Customer response

  03/29/2024

  I firmly reject the validity of the promissory note provided, as the accompanying agreement contains an inaccurate Social Security Number that I do not recognize as my own. This discrepancy strongly suggests identity theft, as the agreement lacks my signature and fails to accurately reflect my legal identity as **** *********************. It appears there has been a misunderstanding, as the provided SSN and name do not align with my personal information. I've included the promissory note from Snap Debt Recovery, emphasizing the erroneous Social Security Number and other discrepancies that do not align with my personal details, including my name and SSN. I strongly refute any connection to this debt.

  

  Business response

  04/02/2024

  We'll mark the file as "disputed". If the consumer provided an invalid SSN at the time he executed the Promissory Note, it highlights a possible attempt to defraud the current and original creditor, Silverspace Tech. We have attached another signed contract between the parties whereby **** appears to have provided yet another diferent, invalid SSN. The consumer is welcome to call our office at ************ if he wishes to resolve the debt. 

  Customer response

  04/10/2024

   
  Complaint: 21496441
  
  I am rejecting this response because: I do not own the two promissory notes that Snap Debt has attached. They are void because I do not own either of the specified social security numbers. It's fraud and an attempt to jeopardize my identification. Before signing the second agreement, the creditor should have made sure it was authentic and taken appropriate action if the social security number on the first one did not match that on the second. I have not signed this agreement and I deny any affiliation with this SSN. I ask BBB to intervene since the creditor's failure to verify this information on the agreement is incorrect and evidence of their ignorance. Without any evidence, I firmly believe this to be a hoax.
  
  Sincerely,
  
  *******************

• Initial Complaint

  03/26/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Snap recovery called me telling me I owe a judgment and I told them I do not have the means to pay and the representative told me was badgering me and patronizing me and insulting me . She said and I quote " your 36 years old and you don't have a job " . I told her you don't know my personal situation and she continues to insult me. I will be pursuing legal counsel . Their job is to collect not to belittle anyone.

  

  Business response

  03/28/2024

  The consumer's complaint is pure fabrication. All communication with her resfusing to satisfy the court order is well documented. If she does not wish to resolve amicably, we are happy to discontinue offering her an opportunity to do so. We will notify the creditor and proceed per their instructions. Attached is a copy of the outstanding Judgment. 

  Customer response

  03/28/2024

   
  Complaint: 21489106
  
  I am rejecting this response because:
  The response to my complaint is completely false. They are trying to make it seem like I am making false claims to not pay . When in fact one, I have no debt with this company, show me any signed documents stating I have debt with you . And two I have audio recording of the phone call when the debt collector was harassing me on the phone. She was insulting me and badgering me and I quote she stated " you are 36 years old and don't have a job " . If im wrong then show the audio recordings you have because I'm sure your calls are also recorded . You texted me first of I told you three times to cease and desist communication with me . I provided text messages screenshots here for reference.  You are by law suppose to cease and desist communication if in writing the first time . Federal Fair Debt Collection Practices Act (FDCPA). This was codified in ******************************************************************************************* harassing persons. This is harassment . 
  Sincerely,
  
  ***************************

  Customer response

  03/29/2024

  I am rejecting this response because:

  The response to my complaint is completely false. They are trying to make it seem like I am making false claims to not pay . When in fact one, I have no debt with this company, show me any signed documents stating I have debt with you . And two I have audio recording of the phone call when the debt collector was harassing me on the phone. She was insulting me and badgering me and I quote she stated " you are 36 years old and don't have a job " . If im wrong then show the audio recordings you have because I'm sure your calls are also recorded . You texted me first of I told you three times to cease and desist communication with me . I provided text messages screenshots here for reference. You are by law suppose to cease and desist communication if in writing the first time . Federal Fair Debt Collection Practices Act (FDCPA). This was codified in ******************************************************************************************* harassing persons. This is harassment . 

  

  Business response

  04/15/2024

  If the consumer does not wish to resolve the debt she owes, per the attached judgment, she need not contact our office further. We unilaterally discontinued efforts to assist ***** in resolving this matter given the apparent refusal to do so. 

• Initial Complaint

  12/21/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for this debt with **************** PARTNERS LLC. I do not have a contract with SNAP DEBT RECOVERY. They did not provide me with the original contract as requested.

  

  Business response

  12/21/2023

  ****************** has refused to communicate with this office. Our client, the current and original creditor is ****************. Attached are the contracts signed by **** as well as the other documents supporting the debt he owes. To resolve the debt, *************** call our office at ************. 

  Customer response

  12/21/2023

  I have spoken with them before when to let them know that I did not do this, my information was stolen and I made my bank aware of that and I also made them aware of that. I have since then closed that account due to fraudulent activities with my SSN and I have a fraud alert on my SSN. This is not my debt and needs to be removed.

  Customer response

  12/21/2023

   
  Complaint: 21039516
  
  I am rejecting this response because:

  
  I have spoken with them before when to let them know that I did not do this, my information was stolen and I made my bank aware of that and I also made them aware of that. I have since then closed that account due to fraudulent activities with my SSN and I have a fraud alert on my SSN. This is not my debt and needs to be removed.

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

  

  Business response

  12/21/2023

  This response is rejected. ****************** has - until now - refused to communicate with our office. The claimant applied for a *** loan as evidenced in the documents provided. He received the *** funding twice, but failed to return the funds or otherwise pay them back. ****************** is welcome to provide our office with any documentation he has to support his position. That can me e-mailed to ******************************** Absent any documentation, the debt appears to be valid, due & owing. 

  Customer response

  12/21/2023

  I reject this message,

  the paperwork provided is not proof of me applying for anything if my information was stolen, the only thing this proves is that someone did this fraudulent under my name and I am being accused of owning something that I did not do. This is not the only thing that I am dealing with pertaining to someone using my information and I am currently dealing with other things to get all of this mess cleared up. I am telling you that this was not me and I should me be accountable for someone doing fraudulent things under my name.

  Customer response

  12/21/2023

  And not only was this fraudulent, you mean to tell me that this company made a mistake and sent out an extra loan worth ****** to this person and now want me to be responsible for it? This is not ok

• Initial Complaint

  12/06/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I got a text from snap recovery saying, this is Snap Recovery. It is important that you call me back regarding a serious issue between yourself and my client. Prior to this case being escalated, return my call at 888-407-7627. When calling reference case number # ****** Ok. The balance is scheduled to begin reporting to ************* guess you'll know it's not fake once it does and you can wait until then. We were calling to give you an opportunity to resolve this prior to that. 888-407-762. So how would they know if they have the right person, they would have released a social security number to someone random, and would have caused damage for the social security number that was released.

  

  Business response

  12/07/2023

  Hi **** - your former employer ************** ********* ****** filed a claim with our office. You owe them $4,338.85 for use of the company credit credit. They gave you the money to pay the credit card bill, but instead you kept the money for yourself. Call our office at 888-399-7627 to resolve and discuss your options. 

  

  Business response

  12/08/2023

  We are rejecting your response as it is false. Our office reviewed the SMS Logs and your SSN was not "given out - neither in full, nor in part. Refusal to pay the debt you owe may result in the claim negatively impacting your credit score for up to 7 years, as permitted by law. We consider this frivolous complaint resolved as it has been investigated and found Mr. Duggan's allegation to be patently false. Should you become ready to pay the debt you owe, please contact our office. 

  Customer response

  12/11/2023

  
  Complaint: ********
  
  I am rejecting this response because:

  So you are saying this here isn't saying my social security number. To me thats saying part of it. 
  
  Sincerely,
  
  **** ******

• Initial Complaint

  11/30/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  **** **** ******** started texting and leaving threating voicemail frequently, so I started taking notice an realize. I needed to find out what was really going on. On 10/16/23 I received a harassing and threating letter from Snap debt demanding payment of $22,181.20 paid in full or they will take legal actions against me for their client: ***** ******* ******* *** *** ***** ********* However, the debt isn't mine! On 10/18/23, I reached out to them with a debt validation letter. Requesting proof of debt. On 10/30/23 I received letter from **** **** ******** the client is "**** ******* ****** **** dba ***** ******** *n Ohio. However, my business was ******** ******* **** ******* ** ****** the business never materialized and was dissolved 2017. Now these claims and charges supposably happen during the Covid years as well (2020-2022). I never left my home or went out of town. I have never been or know anyone that lives in Ohio. The proof letter Snap Debt send on behalf of their client, clearly displays fraud. My business was in Temple GA, I don't owe **** **** ******** or its client a dime and please stop making false claims against ******** ******** *** in Temple GA. This company **** **** ******** seems to have a habit of making false claims against individuals. I need this situation resolved and for **** **** ******** to do what is right by making sure this issue is corrected immediately and all collection activities must cease and desist, because all their information is Fraudulently, inaccurate and invalid.

  

  Business response

  12/01/2023

  If the claimant is not the owner/operator for ******** ******** *** - then she may disregard this matter. Snap will invetigate the file further and discontinue contact in the interim. 

  Customer response

  12/01/2023

  Hello, I uploaded all correspondence to your email it's 11 pages @ **********************

  I tried and wanted to upload on your BBB website but the file was too large. Thank you for taking the time to assist me in this matter. I can be reached at any time at the number listed below. I am not requesting a settlement because a settlement is not due. This is fraudulent and I just want them to do the right thing by admitting that ******** ******** *** has no affiliation or association with " **** ******* ******* **** dba ***** ******** I need this in writing as well. Looking forward to hearing from you soon.
  Sincerely,
  
  ****** ******* ************

• Initial Complaint

  09/21/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I started being contaced by Snap Recovery regard a outstanding debt from Appliance repair company called . I have never used a appliance repair company so this debt is false. i have blocked calls from them and now im gettign texts. i need to be removed from a list and the company needs to review there specifics on who they are trying to contact and get the correct parties.

  

  Business response

  09/25/2023

  We spoke with Mr. ****** on 09/20/23. He advised that he is not responsible for this claim as he was a tenant in the apartment our client serviced. He referred us to the property management company which we are following up  with. 

• Initial Complaint

  01/17/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Although I explained, from the very first email, that the "debt" in question was FALSE and INVALID, I received over 10 emails and numerous calls regarding a debt claim. After I was told, by the person who attempted to collect on the "debt" in question, that he no longer wished to pursue the claim, I asked Snap Debt Recovery, to confirm and to respond to a few questions., they refused to help resolve the situation in ANY way, shape or form.I asked ONLY for the following information, as I wanted to confirm that my SON was not included in this situation. Specifically, I only requested that they respond to was the following:!) That the debt in question has been dismissed.2) The date you were first contacted by *********3) What led you to believe that the debt in question was legitimate? What did he tell you? Have you purchased debt from him prior to my case?4) Were you the first debt collection agency to contract with ****, or was the debt purchased in a "package" along with other debts?5) Is Snap in ANY way connected to ****, another collection firm?6) Did **** include my SON, *******, my son, in this attempt to collect? Has he been receiving notices as well? 7) Should you be asked by the State Bar of California for information regarding this matter, you'll share whatever you can and will assist in any way possible.I spoke with their General ******** Mr. ********************** and he explained that "I had the right to report the company to the *** and the BBB. Now that they have refused to respond in ANY way, I'm reporting this to The Better Business Bureau AND the Federal Trade Commision, including all other available actions I may take.

  

  Business response

  01/31/2023

  Attached is our formal reply, with supporting documentation to this frivolous complaint. Our file is closed and will remain so.

  Customer response

  01/31/2023

   
  Complaint: 18809024
  
  I am rejecting this response because:

  Snap Debt Recovery's response is false and have been reported to the **** the ***** the State ************************** for further action. 
  
  Sincerely,
  
  *****************************

• Initial Complaint

  12/18/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have asked these people several times to stop calling my daughter leaving messages on her phone. But now they have contacted my ex husband who I have not spoken to for more then 13 years. They need to stop harassing me and my family. They are harassing me and my daughter and now my ex husband. They use different phone numbers and when I try calling the number either the phone dies not go through or disconnect.

  

  Business response

  01/25/2022

  Business Response /* (1000, 5, 2021/12/27) */ Ms. ****** has failed to communicate with this office despite attempts to help her resolve a matter involving our client, Park Avenue Dental Group. We have no records of receiving any letters, emails, phone calls or otherwise from Ms. ******. However, we welcome her to call our office at XXX-XXX-XXXX. She may also call Frank directly at XXX-XXX-XXXX. Our office is open Monday - Friday from 8am - 4 pm EST. We will be closed on 12/31/2021 in observance of the holiday. Consumer Response /* (3000, 7, 2022/01/04) */ (The consumer indicated he/she DID NOT accept the response from the business.) I will gladly pay dental group!!! I will not tolerate harassment from any snap. I will not tolerate calling my daughter and my ex. I will pay dental directly not to Snap!!! Business Response /* (4000, 9, 2022/01/05) */ We have no issue with Ms. ****** paying Park Ave. Dental Group directly. The debt itself originates in 2018. Our office has provided Ms. ****** with payment options since August 2020, but as of today, we are not aware of any payments being made. We would encourage the claimant to resolve the matter as best she can and provide proof of payment so our office may subsequently close its file. Consumer Response /* (4200, 11, 2022/01/05) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not want Snap recovery calling or harassing me or my family or contacting them. This is not the first time contacting BBB about this company. They need to respect me and my family.

*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. ↩