ComplaintsforSnap-on Credit, LLC

• Initial Complaint

  11/08/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I purchased a small roller toolbox back in 2020. Paid it off. But I was still getting charged for a toolbox. I reached out via email and asked what was going on with my account. I was told I owe 6000 or so on my toolbox. I disputed the claim through snapon. Asked for copies of the contract. Come to find it wasn't my signature on the contract. I provided snapon with a copy of my license and a closeup of my signature along with written signature on paper. Never heard from them again but they are still reporting false information on my credit.

  

  Business response

  11/14/2024

  To whom it may concern,
  
  I write on behalf of Snap-on Credit (SOC) in response to the complaint lodged by Mr. ************* I note at the outset that Mr. ****** is not a consumer; rather, Mr. ****** warrantied that the goods whose purchase he financed with SOC were for use in his work as an auto mechanic/technician and would be used primarily for business/commercial purposes, not for personal, family, or household purposes.
  
  More importantly, Mr. ******* claim of identity theft is somewhat difficult to take seriously. This is because he purchased the product in July of 2021 and made payments to SOC through September 2022.   When he purchased the product, an SOC associate contacted him to verify that he signed the contract and had received all the product listed thereon.  He affirmed that he signed the contact and received the product. 
  
  At one point in mid 2022, around the time he stopped making payments on the account, Mr. ****** informed SOC that he was going to file a bankruptcy petition, but he did not provide any information regarding the attorney who would be representing him. To the best of SOCs knowledge, no bankruptcy proceeding has ever been commenced.  Regardless, by informing SOC that he was going to resolve the default issue in a bankruptcy proceeding, Mr. ****** is, in effect, admitting that the obligation is his..
  
  When Mr. ****** first made SOC aware of his claim of identity theft (in June 2024), SOC sent him an FTC Identity Theft Report and asked him to complete the form and return it and the required supporting materials to SOC so that SOC could investigate the matter.  More specifically, the form requested that Mr. ****** provide a police report and a complete, legible copy of his drivers license.  *************** returned was a document that did not set forth, among other things, when the identity theft took place, how it took place, and whether he reported the matter to the police.  Moreover, Mr. ****** did not provide a police report.  While he did provide a copy of his drivers license, the signature thereon cannot be read or matched against any copy of his signature SOC has on file.
  
  SOC will report to the credit reporting agencies that the matter is disputed, but beyond that, unless and until Mr. ****** returned a complete FTC Identity Theft Packet and the supporting materials discussed above,SOC will be unable to confirm that he is a victim of identity theft.
  
  Regards,
  
  Snap-on Credit LLC
  
  ******* H. *****
  Director of Compliance/Assistant Corporate CounselTell us why here...

  Customer response

  11/16/2024

   
  Complaint: 22531348
  
  I am rejecting this response because: the box i purchased (in the picture) is not a 6000 box. I did sign a contract. For the roller box. Not for the box in the contract. It was used for work at the time. There was also an *** report made. See attached. Please provide copies of contracts and verify MY signature. But of course you can't because it wasn't my signature. I paid my box off. Please provide proof I purchased more than a roller cart. 
  
  Sincerely,
  
  ******* ******

  

  Business response

  11/19/2024

  To whom it may concern,

  I write, again, on behalf of Snap-on Credit in response to Mr. ******** rejection of my earlier response.  In short, Mr. ******** rejection does not address the issues I raised in my initial response and the attachments are of no value to resolving the matter.  

  More specifically, the *** document "completed" by Mr. ****** did not contain the supporting materials necessary to investigate the claim of ID theft (no police report, no discussion of when or how the identity theft took place, and no legible copy of his driver's license).  Additionally, his rejection does not address the fact that, upon purchase of the product at issue, he confirmed to a Snap-on Credit associate that he signed the contract and received the product.  And those facts would appear to be accurate in light of the fact that Mr. ****** proposed to resolve the matter by filing a bankruptcy petition.  His rejection is simply bereft of information refuting the facts as I set forth in my initial response as well as facts that further detail the alleged identity theft.  

  Accordingly, Snap-on Credit will report to the credit reporting agencies that the matter is disputed, but beyond that,unless and until Mr. ****** provides a complete *** Identity Theft Packet AND the supporting materials discussed above, SOC will be unable to confirm that he is a victim of an alleged identity theft.

  Regards,

  Snap-on Credit LLC

  **** *****

  Director of Compliance/Ass't Corporate Counsel

   

   

   

  Customer response

  11/20/2024

   
  Complaint: 22531348
  
  I am rejecting this response because: you are the party responsible for verification of the debt which you still have failed to do. I can prove it's not my signature on whatever contract you have. Please provide them so I can do so. 
  
  Sincerely,
  
  ******* ******

• Initial Complaint

  10/18/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  On Monday April 8th, I walked onto the Snap on truck @ *********** and Fleet in ******* in hopes of buying a tool box for my garage. I don't have a driver, I figured this was my best opportunity to buy one (since I didn't want to go second hand or used, wanted to establish a relationship with a franchisee, and retaining the warranty. Upon requesting a price for the box, I was informed if I financed a portion of it I would have 0% interest for a certain amount of months, and could save some money on the box. All the franchisee needed was my social so he could see my pre-approval amount. I asked him more than 5 times - Will this go on my credit report? What kind of inquiry is this? And other basic questions because I made it clear I was NOT willing to participate if it was anything more than a soft inquiry. He reassured me this will have NO affect on my credit score, will not go on my credit report, is only for Snap on internally, and I will not see it anywhere else. However, after months of bad credit and a hard time getting a loan, I come to find it was a hard inquiry reported on my credit report. I pulled a credit report from Credit Karma and it was on there!! I NEVER authorized the use of my credit being pulled and was lied to and deceived. I would have never authorized such a thing as I informed the driver I was a cash buyer, not interested in payments, AND MOST IMPORTANTLY DID NOT AUTHORIZE MY CREDIT BEING PULLED!!! I did not authorize use or pulling of my credit, and this has had detrimental impact in my credit score, ability to obtain a home loan, and I was lied to. I demand this be removed and Snap on remedy the situation. This is beyond unacceptable, criminal, a breach of trust, and involves many legality concerns.

  

  Business response

  10/21/2024

  To whom it may concern,

   

  I write in response to the complaint lodged by Mr. ******* ***.  After reviewing the matter, SOC has determined that it will ask the credit reporting agency to mask the credit inquiry about which he speaks.  That said, I would also note that Mr. **** in the written application he submitted to Snap-on Credit, specifically authorized a credit inquiry in the section of the application immediately above his signature.  His statements to the contrary are simply inaccurate.  

  Regards,

  Snap-on Credit LLC

  ******* H. *****

  Director of Compliance/Assistant Corporate Counsel

   

• Initial Complaint

  07/26/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Have had no contact with this company in over 10 years in any form. Was charged off as bad debt years ago. The company still updates and attacks credit reports. Lawsuit pending.

  

  Business response

  07/31/2024

  To whom it may concern,

  I write in response to the complaint lodged by **************** against Snap-on Credit LLC.  **************** is correct - he breached his contractual obligations to Snap-on Credit but not so long ago as to take the breach outside the statute of limitation or the time limit on which matters like this can be reported to the credit reporting agencies.  Nonetheless, Snap-on Credit will ask the credit reporting agencies to which it reports to remove its tradeline from his report.  Snap-on Credit cannot guarantee that the credit reporting agencies will honor the request for deletion, and we make no warranties or representations related thereto.  

  Very truly yours,

  Snap-on Credit LLC

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

  Director of Compliance/Assistant Corporate Counsel

  Customer response

  08/01/2024

   
  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

  07/18/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am writing urgently to address inaccuracies on my credit report caused by the disclosure of my personal information to credit bureaus, resulting in significant financial and emotional distress.As stated in 15 USC 1681 Section 602, I have the right to financial privacy and expect my information to be treated confidentially.Additionally, under 15 USC 1681 Section 604(a)(2), a consumer reporting agency cannot share account details without my explicit consent, which I have not provided.The discrepancies associated with SNAP ON CRDT have negatively impacted my financial standing and need immediate correction.Compliance with 15 USC 1666(b) is also essential, as it prohibits creditors from treating credit card payments as late under certain conditions.For your reference, my account details are:Account Number: *********I request a thorough review of my account, prompt correction of the credit report inaccuracies, and strict adherence to federal laws governing my information.Failure to address these concerns promptly may result in legal action. I appreciate your immediate attention to this matter.Sincerely,*********************

  

  Business response

  07/23/2024

  To whom it may concern,

  I write on behalf of Snap-on Credit ("SOC") in response to the BBB complaint lodged by ****************.  I note at the outset that **************** is not a consumer as that term is commonly used; rather, the product he financed via Snap-on Credit was purchased for use in his business as a mechanic/technician and not for personal, family, or household purposes.  

  Next, and more pertinently, I note that **************** does not identify any particular inaccuracy in the tradeline for Snap-on Credit to correct or modify on his credit report.  That said, I would also note that ******************** claim that he is entitled to financial privacy to the point that SOC cannot report defaults under the contract is incorrect; rather, ************** was notified upon his first default under the terms of the contract that that default and subsequent defaults would be reported to the credit reporting agencies.   

  Finally, it is difficult to accept this complaint at face value given that, on the same day this complaint was lodged, *** also received an ACDV from one of the credit reporting agencies that **************** was claiming to be the victim of identity theft, a claim he does not repeat here.  In response thereto, *** has sent correspondence to **************** indicating what information SOC needs to investigate the ** theft claim.  

  Regards,

  Snap-on Credit LLC

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

  Director of Compliance/Assistant Corporate Counsel

   

   

• Initial Complaint

  06/28/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I am not liable for this debt with snap on credit I do not have a contract with the collection agency. They did not provide me with the original contract as provided

  

  Business response

  07/01/2024

  To whom it may concern,

  I write on behalf of Snap-on Credit LLC ("SOC") in response to the complaint lodged by **************.  I note at the outset that ************** is not a consumer as that term is commonly used.  This is because the tool storage box he financed via a SOC installment contract contained two (2) warranties from ************** indicating that he would use the box in his work as a mechanic technician and not for personal, family, or household purposes.  additionally, and as a consequence of the commercial nature of the contractual nature of his relationship with SOC, ************** is not protected by the Fair Debt Collection Practices Act, meaning that SOC is not under a legal obligation to provide him with a copy of any particular document.  Regardless, ************** was provided with a copy of the contract when he signed it, on or about October 4, 2022.

  That said, and turning to the substance of his complaint, ************** defaulted on his contractual obligation to SOC and as a result, the storage box was recovered.  The value of the box was less than what ******************* (and he was informed of same via a letter from SOC dated on or about August 29, 2023.  A deficiency balance remains due and owing to SOC.  Furthermore, SOC has not sold the obligation to a third-party debt collector; rather, the money owed by ************** remains due and owing to SOC.  And no third party has contacted ************** about this matter; rather, all communication between him and SOC has been handled by SOC associates.   

  If ************** would like to resolve the matter, he may contact SOC at ************.  In the meantime, I will make sure another copy of his installment contract is directed to him at the address provided on this complaint.

  Regards,

  Snap-on Credit LLC

  *************************, Director of Compliance

   

• Initial Complaint

  04/22/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Snap On Credit, has been tacking on over $200 ea month finance charges. I was recent on payments til Jan 20 24, in which i lost my .job. i asked if they could help and nothin. So after reviewing my account history, i was flabagasted in the amount i have already paid Snap On. Roll overs with out contracts signed. I havent purchase nothin since 2021. Payments tool amount , they say i purchasrd $28,316.00. Payments made to Snap of $38,054.76, interest fees $19,575.35. And say i still owr $10,596.37. Wiith it totaling $47,891.35. And kerp tacking on $200 every month. Payments went from $32.00 per week to$180.. this on my book should have been paid off not with another $10,596.00.+ owing.

  

  Business response

  04/24/2024

  To whom it may concern,

  I write on behalf of Snap-on Credit LLC ("SOC") in response to the complaint lodged by ******************.  Because the matter is currently in litigation I will not respond to the substance of the complaint other than to say that ****************** is not a "consumer" as that term is defined by, among other statutes, the Fair Debt Collection Practices Act.  In the contract that he signed, ****************** warranted (twice, in fact) that he would use the product he purchased in his job as a mechanic/technician and not for personal, family or household purposes.  

  Regards,

  Snap-on Credit LLC

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

  Director of Compliance/Ass't Corporate Counsel

  

  Business response

  04/25/2024

  To whom it may concern,

   

  I write on behalf of Snap-on Credit (SOC) in response to the complaint lodged by ********************.  I note at the outset that SOC customers are not consumers because the tools they finance through SOC are used in their jobs as mechanics or technicians in the automotive repair industry and not for personal, family, or household purposes.

   

  With more specific regard to his complaint, now that ******************** has become employed again, SOC associates will be able to work with him on extensions and a payment plan.  He should contact SOC at ************ to discuss those options.

   

  Beyond that, SOC maintains that it has serviced Mr. ********* contracts accurately and that all contract terms, including the finance charges and purchase prices, were made known to ******************** at the time he entered into those contracts.

   

   

   

   

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

  Director of Compliance/Assistant Corporate Counsel

  Customer response

  04/29/2024

   
  Complaint: 21609381
  
  I am rejecting this response because:
  
  Sincerely,
  
  ************************* ********

  
  

  Customer response

  05/07/2024

  For one I didn't appreciate having someone else's response , a one ******************. I find this very unprofessional, and it shouldn't have ever happened.  Also I signed for things on a computer signing called a *****.  I didn't get anything on agreements and finance charges after finance charges. I know are over the 25%

  Allowed in *********  Also saying I'm not a consumer, then what am ?  I am not a business.  Again didn't know that $36,289.00 on something and I'm told by the lender I can't use them for personal use?  Truth and lending act, exceeding predatory loan practices, using a variety of terminology and forms of lending that manipulate borrowers.  And extensions of credit you stated your associates will help me with.   Extension of credit means:. The right to defer payments of debt or to incur debt and defer it's payments offered or granted primarily for Personal, family or household purposes.  Well here we are, in not a consumer, why are you offering me consumer extension of credit.? On $24,354.29 in tools.  I've paid already $36,289.00 and $18,941.21 was finance charges.

   

  SincerelyMike ********

   

   

   

   

   

  

  Business response

  05/08/2024

  To whom it may concern,

  I write in response to ************************ reply to Snap-on Credit's initial response to his complaint. I apologize for the mixup in responses.  That said, the rest of ************************ reply is inaccurate as a matter of fact and law.  As I stated previously, ******************** is not a consumer as that term is most commonly used at law; rather, he is a commercial user of Snap-on Tools' products as evidenced by the warranty to that effect in each and every of the 15 contracts he signed.  While he is able to use the tools for his own personal use, the contracts contain a warranty from ******************** that the primary use of the tools would be for commercial purposes (for use in his work as a mechanic or technician) and not for personal, family, or household purposes.

  Secondly, while I am not going to verify ************************ math, I can report that the finance charge he agreed to was far less than the state maximum, so ******************** has not been charged an unlawful rate of interest.  If he would like to discuss a reduction in the finance charge, he is free to contact us to discuss same.

  Sincerely,

  Snap-on Credit LLC

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

  Director of Compliance

   

• Initial Complaint

  04/22/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am filing this complaint in regards to the horrible customer service that was provided. I initially started this loan in 2018 with a balance of ******. Now i was 18 when first starting out and there was no documentation signed for this loan. Just a E Signature 1 ******** provided my license. They did not inform me of the 28% Interest rates, they did not inform me that each month they tack on another 28%. I was informed of a total bill with NJ Sales Tax Included and charged 20% initially in interest for financing. As they proceed to over charge me each month i always paid my bills, every time i would try to talk about refinancing, and the loan information it was cut short. i am only allowed to be on the truck for 15 minutes and rarely seen the dealer. I Am willing to negotiate the debt but i will not pay the full mount. i have personally crunched the Numbers and they are robbing the consumer (Me). In accordance to the information provided, Snap On Credit LLC And ****************************** on behalf of ********* law Group. Must Refrain from taking any steps forward, As i will be Suing them on the behalf of the consumer and exploiting there business & "Tactics" To the public. They have taken advantage of the consumer for to long.

  

  Business response

  04/24/2024

  To whom it may concern,

  I write on behalf of Snap-on Credit LLC in response to the complaint lodged by ******************.  Because the matter is in litigation at this time, I will not comment on the substance of the complaint except to say that ****************** is not a consumer as that term is defined by the Fair Debt Collection Practices Act.  This is because ****************** warranted (twice, in fact) in the contract he signed to finance the purchase of Snap-on tools that he would use the tools in his job as a technician/mechanic and not for personal, family, or household purposes.

  Regards,

  Snap-on Credit LLC

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

  Director of Compliance

• Initial Complaint

  03/25/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for this debt with Snap-on Credit, LLC. I do not have a contract with Snap-on Credit, LLC. They did not provide me with the original contract as requested.

  

  Business response

  03/27/2024

  To whom it may concern,

  I write on behalf of Snap-on Credit in response to the complaint lodged by ******************.  After reviewing his account, it is clear that ****************** is past due on his financial obligation to Snap-on Credit.  I would also note that in the contract he signed with Snap-on Credit, he warrantied that he was not using the tools for personal, family, or household purposes, meaning that he has not right to have the obligation validated under the Fair Debt Collection Practices Act.  If ****************** wants to satisfy his obligation to Snap-on Credit (as well as receive a copy of the contract), he is free to contact us at ************.  

  Sincerely,

  Snap-on Credit LLC

  *************************, Director of Compliance

  Customer response

  03/27/2024

   
  Complaint: 21486347
  
  I am rejecting this response because: the burden of proof falls on the collection agency no the consumer (me). I find it concerning that SNAP-ON Credit LLC is not complying with legal requests. I request SNAP-ON Credit LLC to provide proof they sent me debt validation, as is my legal right. If SNAP -ON Credit LLC cannot provide froof, i demand this account be removed from my credit report as is my right per FCRA section 623.(a)(i). This is my last request before I file a formal complaint with the **** and FTC.

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

  

  Business response

  03/28/2024

  To whom it may concern,

  I write is response to ********************** rejection of Snap-on Credit's previous response to his frivolous complaint.  I will once again remind him that he is not a "consumer" as that term is defined by the ***** because he warranted in the contract he signed that he would use the tools for business or commercial purposes, not for personal, family, or household purposes.  I would also note that Snap-on Credit is not a "debt collector" as that terms is defined by the ***** because the debt SOC seeks to collect is owed to it, not to a third party.  It is for these reasons that Snap-on Credit is not bound to "validate" his debt.  If **** ******* wants a copy of the contract, he is free to contact SOC at ************.

  SOC is reporting his obligation to the credit reporting agencies accurately and will continue to do so.  

  Regards,

  Snap-on Credit LLC

  ************************* - Director of Compliance

• Initial Complaint

  03/12/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for the debt from snap on

  

  Business response

  03/14/2024

  To whom it may concern,

  I write on behalf of Snap-on Credit LLC ("SOC") in response to the complaint lodged by **************. ****************** claim that he is not liable for the amount SOC claims is due it is both legally and factually incorrect.  Without belaboring the point, as recently as May 2023, ************** acknowledged the debt in a phone call with an SOC associate, thereby undermining this claim as both a matter of fact and law.  If ************** would like to resolve the matter, he can reach us at ************, but until a resolution is reached, SOC reserves the ability to exercise each and every of its rights under the commercial installment contract into which ************** entered.

  Regards,

  Snap-on Credit LLC

  *******************, Director of Compliance/Assistant Corporate Counsel

   

  Customer response

  03/19/2024

   
  Complaint: 21424607
  
  I am rejecting this response because: I never agreed to debt on phone call and the only telecommunications snap on has with me is one of there reps trying to extort and threatening me over sms texting 
  
  Sincerely,
  
  *********************

  

  Business response

  03/19/2024

  To whom it may concern,

  I write in response to ****************** latest missive.  What his note makes clear is that he has confused his contractual obligation to Snap-on Credit with his monetary obligation to pay the Snap-on Franchisee or other sales representative from whom he has also purchased tools.  Snap-on Franchisees are independent business owners and they sell tools off their trucks to customers without using Snap-on Credit credit products to complete the sale.  ************** owes both Snap-on Credit and the franchisee/sales representative.

  In fact, the attached text message screen shots make that clear.  More specifically, in image 0677, ************** clearly acknowledges he owes Snap-on Credit money but does not (so he claims) owe the Franchisee any money.   Accordingly, I think that admission makes his original claim erroneous (to be polite) and should bring this matter to an end.
  

  Regards,

  Snap-on Credit LLC

  ******************* - Director of Compliance

• Initial Complaint

  02/27/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for this debt with SNAP-ON CREDIT LLC. They did not provide me with the original contract as requested.

  

  Business response

  03/06/2024

  To whom it may concern,

  I write on behalf of Snap-on Credit LLC ("SOC") in response to the complaint lodged by ******************.  A review of our account records reveals that ****************** is responsible for outstanding balance on this account.  And I would be happy to have a copy of the contract sent to him, but I notice he does not provide a full address in his complaint.  While not belaboring the point, ****************** entered into a commercial installment contract that was purchased by SOC, he remains liable for the amount owed on the contract, and unless he agrees to make arrangements to pay the balance owed, SOC reserves all its rights under the contract to pursue the amount owed.

  Regards,

  Snap-on Credit LLC

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

  Director of Compliance/Assistant Corporate Counsel

*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. ↩