Business Profile

Collections Agencies

Snap Recovery, Inc.

Complaints

This profile includes complaints for Snap Recovery, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

23 total complaints in the last 3 years.
15 complaints closed in the last 12 months.

If you've experienced an issue

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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:03/29/2025
Type:Billing 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.
" I AM NOT LIABLE FOR THIS DEBT WITH " ORIGINAL CREDITOR INFO "I DO NOT HAVE AN ACCOUNT WITH " COLLECTION AGENCY'S INFO " THEY DID NOT PROVIDE ME WITH ORIGINAL CONTRACT AS REQUESTED."
Business Response
Date: 04/01/2025
Response to BBB Complaint ******** ****** (ID: *********

To Whom It May Concern,

Thank you for notifying us of the complaint submitted by Ms. ******** ****** regarding an account placed with **********************.
We have reviewed the complaint and would like to clarify that all verification documents and required disclosures associated with the account in question have been provided to Ms. ****** via both mail and email. This includes the account details and documentation supplied to us by the original creditor which substantiates the validity of the debt.

SNAP Debt Recovery complies fully with all applicable laws and regulations under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). We have responded to all prior requests from Ms. ******* and at this time, we have no additional documentation to provide beyond what has already been shared.

If Ms. ****** has new information or disputes not previously addressed, we welcome the opportunity to review and respond accordingly. However, we have fulfilled all verification obligations, and the account will remain as reported unless and until documentation is received that warrants a change.

Sincerely,
*** *****
**************start="1377" data-end="1380"> SNAP Debt Recovery
Initial Complaint
Date:03/28/2025
Type:Billing 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.
I honestly dont get why SNAP DEBT RECOVERY is reporting this debt under my name because I dont owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didnt even bother to provide it. Its frustrating because this is hurting my credit for no reason, and its just not fair. How can they just put something on my report without any proof?Account No: ******** Amount Disputed: $285
Business Response
Date: 04/01/2025
We are writing in response to the complaint submitted by Ms. ****** ****** regarding the account referenced under number U49530D4.

Please note that all documentation verifying the validity of this account has been previously provided to Ms. ****** via both mail and email. This includes the information received from the original creditor, which supports the reporting of the account to the credit bureaus in accordance with the Fair Credit Reporting Act (FCRA).

SNAP Debt Recovery follows all legal guidelines as required by the Fair Debt Collection Practices Act (FDCPA), and we have fulfilled our responsibility to provide verification of the debt upon request. To date, we have not received any documentation from Ms. ****** that would indicate a legitimate basis for removing the account from her credit file.

Should Ms. ****** have additional information she believes warrants further review, we are open to receiving it and will re-evaluate accordingly. Until then, we consider this matter resolved based on the documentation already sent.
Initial Complaint
Date:03/10/2025
Type:Billing 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.
To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. COMPANY NAME: SNAP DEBT RECOVERY ACCT #: ***. ************ $32,956.00/$32,956.00 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Business Response
Date: 03/25/2025
To Whom It May Concern,

Thank you for bringing this matter to our attention.

We have reviewed the complaint submitted by Ms. ******** ********* regarding the account listed under **********************, account number ************. Please be advised that all documentation used to verify the accuracy and validity of this account has already been provided to Ms. ********* via both **** mail and email.

These documents include the itemized account details and all supporting information in our records that confirm the legitimacy of the debt. As such, we have fulfilled our obligations under the Fair Credit Reporting Act (FCRA), including the disclosure of the information used to verify the account.

If Ms. ********* believes additional documentation is required, we welcome her to contact us directly so we can clarify what has already been provided and address any outstanding concerns. However, at this time, we believe we have fully responded to her request.
Initial Complaint
Date:01/24/2025
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.
I am not liable for this debt with Snap Recovery **** I do not have a contract with Snap Recovery ****, they did not provide me with the original contract as i requested
Business Response
Date: 01/24/2025

Response to BBB Complaint ID: ********
Dear Ms. ***************** appreciate the opportunity to address the complaint filed by Mr. ****** ******* and provide clarity regarding this matter.
Our office previously supplied Mr. ******* with supporting documentation confirming the debt owed to our client, Legacy Pro Sports, which is both the original and current creditor. These documents were sent to him and received on June 7, 2024. He signed to confirm receipt of the documentation. See attached.
While Mr. ******* disputes the validity of the debt, our records show that all compliance protocols have been followed in handling this account, including providing the requested documentation. Should Mr. ******* wish to discuss options to resolve this matter, we encourage him to contact our office directly at his earliest convenience.
Regarding Mr. ******** request for a correction to his credit report, it is important to note that any updates to the account reporting will depend on the resolution of the outstanding balance. We remain open to assisting him in addressing the matter and working toward a mutually agreeable outcome.
We remain committed to acting in good faith and encourage Mr. ******* to reach out to us to resolve his concerns.
Please let us know if further clarification is needed.
Sincerely,
SNAP Debt Recovery
Initial Complaint
Date:11/11/2024
Type:Service or Repair 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.
I paid Snap Debt Recovery to work.on 7 Debt collection cases and they had refused to delivered and because I asked them about it they told me they can't will not work on the case anymore and they have refused to Reimbursed me back $700 that I paid them for the 7 Debt collection case
Business Response
Date: 11/15/2024
We appreciate the opportunity to respond to Ms. ******* **** concerns regarding her experience with SNAP Debt Recovery.

First, we take customer feedback very seriously and always strive to resolve any misunderstandings or issues in a fair and professional manner. Upon reviewing Ms. **** account, here are the facts as we have them:

1. Ms. *** engaged our services for assistance with seven debt collection cases.
2. While we initiated work on these cases, several issues arose that hindered our ability to maintain a productive working relationship. Specifically:
- We explained our remittance process to Ms. *** several times. However, she became accusatory toward our staff, claiming that we were late in remitting her funds. In reality, we were never late; her misunderstanding stemmed from not fully grasping our remittance cycle and the fact that we are not in control of **** delivery times.
- Ms. *** would contact our office on multiple lines daily, sometimes placing 1215 calls per day. This high frequency of contact, coupled with the significant amount of time spent addressing her concerns via phone and email, consumed hours of our teams time. Despite our efforts to clarify and resolve her concerns, Ms. *** remained adamant that we were not acting in good faith.

3. Given these circumstances, we determined that it was in the best interest of both parties to terminate the agreement. This decision was communicated to Ms. *** in good faith, and we followed standard procedures for such situations.

We understand Ms. **** frustration, and we sincerely apologize for any inconvenience this may have caused. We explained that we will review all of her claims and remit all funds that may be due to her on the very next remit cycle.

Thank you for bringing this matter to our attention. We remain committed to addressing this issue in a way that upholds our standards of service and integrity.

Sincerely,

Owner, SNAP Debt Recovery

Customer Answer
Date: 11/26/2024
I did not see the email about the response due by Nov 25th, 2024.
My case is not yet resolved as SNAP DEBT has not refunded the $700, I paid them to work on the 7 collections contract I had with them.
SEE ATTACHED EVIDENCES ABOUT THREAT EMAILS WE HAD RECEIVED FROM SNAP DEBT COLLECTION OFFICE
I will like for BBB to re-open this case and investigate it until I get resolution and refund due for the 7 contracts, I paid SNAP DEBT COLLECTION OFFICE to work on which they had refused to work on and terminate the contract without remitting the contract fee back.

Again, on several occasions see attached emails, SNAP DEBT HAS failed to remit payment to us for the money they had collected from our past tenant, and we have raised these issues with them on several occasions and they had failed to work on it instead they cut off the contract without remitting to us our money due.

Again, I will like BBB to re-open this case and help mediate to prevent other working USA resident and business from falling into SNAP DEBT COLLECTION FRADULUENT AND ILLICIT ACTIVITY. Immediately we brought up the issue of them not remitting payment on time for 1 of the account they threatening to terminate the contract agreement and also refused to pay us back the $700 we had paid them to work on the 7 debt collection account.

Again, we had given 8 debt collection accounts to SNAP ************ THE FIRST ACCOUNT DEBT PAYMENT IS STILL ONGOING AND OUR PAST TENANT ARE STILL PAYING SNAP *********** BUT THEY HAD DECIDED TO CUT ALL COMMUNICATION WITH US WITHOUT PAYING US AND REMITTING TO US PAYMENBT THEY HAD RECEIVED FROM OUR PAST TENANT WHICH WAS DUE TO US.

LASTLY SNAP *********** HAVE DECIDED TO END THE CONTRACT ON THE REMAINING 7 DEBT COLLECTION ACCOUNTS WE HAD PAID THEM $700 - $100 FOR EACH ACCOUNT TO WORK BECAUSE WE ASKED THEM WHY THEY HAD FAILED TO REMIT THE FIRST DEBT COLLECTION ACCOUNT WE HAD ENTRUSTED INTO THEIR CARE.

WE NEED BBB HELP TO HELP RE-OPEN THIS CASE AND HELP PREVENT SNAP *********** FROM DOING THIS FRAUDULENT ACT TO OTHERS.

THE 7 CONTRACTS WAS CANCELLED BY SNAP *********** FOR NO GOOD REASONS AND SINCE THEY HAVE CANCELLED THE 7 ACCOUNTS WE REQUIRE THEM TO REFUND US ON THE SERVICES BECAUSE THEIR OFFICE WAS THE ONE THAT ENDED THE CONTRACT BASED ON A FLIMSY NASTY EXCUSE BECAUSE WE ASKED THEM ABOUT THE OTHER ACCOUNT PLACED IN THEIR CARE WHICH THEY HAD DELAYED PAYING US MONEY THEY HAD COLLECTED FROM OUR TENANT.

AGAIN WE NEED BBB TO RE-OPEN THIS CASE UNTIL WE CAN GET OUR REFUND FOR THE $700 WE HAD PAID SNAP *********** BACK.

Thank you
******* Olu
Customer Answer
Date: 12/02/2024
I did not see the email about the response due by Nov 25th, 2024.
My case is not yet resolved as SNAP DEBT has not refunded the $700, I paid them to work on the 7 collections contract I had with them.
SEE ATTACHED EVIDENCES ABOUT THREAT EMAILS WE HAD RECEIVED FROM SNAP DEBT COLLECTION OFFICE
I will like for BBB to re-open this case and investigate it until I get resolution and refund due for the 7 contracts, I paid SNAP DEBT COLLECTION OFFICE to work on which they had refused to work on and terminate the contract without remitting the contract fee back.

Again, on several occasions see attached emails, SNAP DEBT HAS failed to remit payment to us for the money they had collected from our past tenant, and we have raised these issues with them on several occasions and they had failed to work on it instead they cut off the contract without remitting to us our money due.

Again, I will like BBB to re-open this case and help mediate to prevent other working USA resident and business from falling into SNAP DEBT COLLECTION FRADULUENT AND ILLICIT ACTIVITY. Immediately we brought up the issue of them not remitting payment on time for 1 of the account they threatening to terminate the contract agreement and also refused to pay us back the $700 we had paid them to work on the 7 debt collection account.

Again, we had given 8 debt collection accounts to SNAP ************ THE FIRST ACCOUNT DEBT PAYMENT IS STILL ONGOING AND OUR PAST TENANT ARE STILL PAYING SNAP *********** BUT THEY HAD DECIDED TO CUT ALL COMMUNICATION WITH US WITHOUT PAYING US AND REMITTING TO US PAYMENBT THEY HAD RECEIVED FROM OUR PAST TENANT WHICH WAS DUE TO US.

LASTLY SNAP *********** HAVE DECIDED TO END THE CONTRACT ON THE REMAINING 7 DEBT COLLECTION ACCOUNTS WE HAD PAID THEM $700 - $100 FOR EACH ACCOUNT TO WORK BECAUSE WE ASKED THEM WHY THEY HAD FAILED TO REMIT THE FIRST DEBT COLLECTION ACCOUNT WE HAD ENTRUSTED INTO THEIR CARE.

WE NEED BBB HELP TO HELP RE-OPEN THIS CASE AND HELP PREVENT SNAP *********** FROM DOING THIS FRAUDULENT ACT TO OTHERS.

THE 7 CONTRACTS WAS CANCELLED BY SNAP *********** FOR NO GOOD REASONS AND SINCE THEY HAVE CANCELLED THE 7 ACCOUNTS WE REQUIRE THEM TO REFUND US ON THE SERVICES BECAUSE THEIR OFFICE WAS THE ONE THAT ENDED THE CONTRACT BASED ON A FLIMSY NASTY EXCUSE BECAUSE WE ASKED THEM ABOUT THE OTHER ACCOUNT PLACED IN THEIR CARE WHICH THEY HAD DELAYED PAYING US MONEY THEY HAD COLLECTED FROM OUR TENANT.

AGAIN WE NEED BBB TO RE-OPEN THIS CASE UNTIL WE CAN GET OUR REFUND FOR THE $700 WE HAD PAID SNAP *********** BACK.

Thank you
******* Olu
Customer Answer
Date: 12/02/2024
I did not see the email about the response due by Nov 25th, 2024.
My case is not yet resolved as SNAP DEBT has not refunded the $700, I paid them to work on the 7 collections contract I had with them.
SEE ATTACHED EVIDENCES ABOUT THREAT EMAILS WE HAD RECEIVED FROM SNAP DEBT COLLECTION OFFICE
I will like for BBB to re-open this case and investigate it until I get resolution and refund due for the 7 contracts, I paid SNAP DEBT COLLECTION OFFICE to work on which they had refused to work on and terminate the contract without remitting the contract fee back.

Again, on several occasions see attached emails, SNAP DEBT HAS failed to remit payment to us for the money they had collected from our past tenant, and we have raised these issues with them on several occasions and they had failed to work on it instead they cut off the contract without remitting to us our money due.

Again, I will like BBB to re-open this case and help mediate to prevent other working USA resident and business from falling into SNAP DEBT COLLECTION FRADULUENT AND ILLICIT ACTIVITY. Immediately we brought up the issue of them not remitting payment on time for 1 of the account they threatening to terminate the contract agreement and also refused to pay us back the $700 we had paid them to work on the 7 debt collection account.

Again, we had given 8 debt collection accounts to SNAP ************ THE FIRST ACCOUNT DEBT PAYMENT IS STILL ONGOING AND OUR PAST TENANT ARE STILL PAYING SNAP *********** BUT THEY HAD DECIDED TO CUT ALL COMMUNICATION WITH US WITHOUT PAYING US AND REMITTING TO US PAYMENBT THEY HAD RECEIVED FROM OUR PAST TENANT WHICH WAS DUE TO US.

LASTLY SNAP *********** HAVE DECIDED TO END THE CONTRACT ON THE REMAINING 7 DEBT COLLECTION ACCOUNTS WE HAD PAID THEM $700 - $100 FOR EACH ACCOUNT TO WORK BECAUSE WE ASKED THEM WHY THEY HAD FAILED TO REMIT THE FIRST DEBT COLLECTION ACCOUNT WE HAD ENTRUSTED INTO THEIR CARE.

WE NEED BBB HELP TO HELP RE-OPEN THIS CASE AND HELP PREVENT SNAP *********** FROM DOING THIS FRAUDULENT ACT TO OTHERS.

THE 7 CONTRACTS WAS CANCELLED BY SNAP *********** FOR NO GOOD REASONS AND SINCE THEY HAVE CANCELLED THE 7 ACCOUNTS WE REQUIRE THEM TO REFUND US ON THE SERVICES BECAUSE THEIR OFFICE WAS THE ONE THAT ENDED THE CONTRACT BASED ON A FLIMSY NASTY EXCUSE BECAUSE WE ASKED THEM ABOUT THE OTHER ACCOUNT PLACED IN THEIR CARE WHICH THEY HAD DELAYED PAYING US MONEY THEY HAD COLLECTED FROM OUR TENANT.

AGAIN WE NEED BBB TO RE-OPEN THIS CASE UNTIL WE CAN GET OUR REFUND FOR THE $700 WE HAD PAID SNAP *********** BACK.

Thank you
******* Olu
Business Response
Date: 12/19/2024

December 19, 2024
Re: Complaint ID #******** ******* ****************************** and Better Business Bureau,

Thank you for the opportunity to address the ongoing concerns brought forward by *************** regarding her experience with SNAP Debt Recovery. We take these matters seriously and strive to operate with transparency, fairness, and professionalism.

Upon further review of the claims and additional correspondence submitted by Ms. **** we would like to clarify our position and provide supporting context to address her concerns:

Engagement and Termination of Services:
Ms. *** engaged our services for seven debt collection accounts, paying $100 per account. We initiated work on these cases and were in active communication with her about the process. Due to repeated issues, including extensive daily communications, misalignment of expectations, and accusatory remarks toward our staff, we determined that maintaining a working relationship was no longer feasible. This decision was made in good faith and was communicated professionally.

Status of Remittances and Allegations of Nonpayment:
Regarding the funds collected from Ms. **** accounts, we have adhered to our remittance process, as outlined in our contract and communicated during onboarding. Any delays perceived by Ms. *** were due to factors beyond our control, such as **** delivery timelines, which we had explained on multiple occasions.
To date, all funds collected have been accounted for and remitted within the agreed-upon timelines. We have no record of outstanding balances due to Ms. *** as of our last review.

Refund Request for Terminated Accounts:
As part of our standard policy, fees paid upfront cover administrative costs and initial work conducted on accounts. Once services have been initiated, refunds are not typically issued, as outlined in our contractual agreement.
In this case, work was initiated on all accounts before the relationship was terminated. Therefore, we respectfully decline Ms. **** request for a refund, as the fees paid were used for services rendered.

Allegations of Fraud and Threats:
Ms. **** allegations of fraud and illicit activity are unfounded and lack evidence. SNAP Debt Recovery operates in compliance with all applicable laws and regulations. Any claims of threats made by our team are categorically false and unsupported by the evidence submitted. We understand Ms. **** dissatisfaction and sincerely regret that we were unable to meet her expectations. However, we believe we have acted in good faith and in accordance with our policies throughout this process.

To resolve this matter, we are willing to review and audit the case files again to ensure all remittances have been appropriately handled.

Thank you for your time and consideration. Please feel free to contact me directly if additional documentation or clarification is required.

Sincerely,
SNAP Debt Recovery, Inc.

Customer Answer
Date: 12/24/2024

Complaint: 22541342

I am rejecting this response because:

I HAVE PAID SNAP **** $700 TO HELP RETRIEVE 7 **** CASES FROM EVICTED TENANTS. THE CONTRACT SIGNED DID NOT ALLOW ************* TO TERMINATE THE 7 **** CASES I HAD PAID THEM TO WORK ON WITHOUT GETTING THE **** OWE BY THESE ****ORS. SNAP **** INC ABRUPTLY TERMINATED THIS CONTRACT WITHOUT MY MUTUAL CONSENT OR AGREEMENT. SINCE SNAP **** FELT THEY COULD NOT WORK WITH US AGAIN BECAUSE WE ASKED THEM FOR THE PAYMENT OF ANOTHER **** CASE WE HAD PUT IN THEIR CUSTODY THAT WAS DIFFERENT FROM THESE 7 **** COLLECTION CASES, SNAP **** INC TERMINATING THE OTHER 7 CASES WE HAD PAID THEM TO WORK ON DUE TO US ASKING THEM ABOUT PAYMENT REIMBURSEMENT FOR ANOTHER CASE WE HAD PLACED IN THEIR CUSTODY WHICH OUR ****OR HAD PAID SNAP ****. TERMINATING THE 7 CASES IS ILLEGAL AND AGAINST FAIR CUSTOMER SERVICE AS REQUIRED BY THE *** OF THE UNITED STATES OF AMERICAN. SNAP **** TERMINATING THESE 7 CASES WE HAD PAID THEM TO WORK ON THE BASES THAT WE HAD REQUESTED THEM TO REIMBURSE US THE MONEY OUR ****OR HAD PAID TO THEM FOR ANOTHER CASE IS UNFAIR AND THIS ILLOGICAL DICTATORS/HIP MANNER AND APPROACH USED BY SNAP **** ON CLIENT AND CUSTOMERS SHOULD NEVER BE ALLOWED IN THE UNITED STATES OF AMERICA.

SNAP **** INC NOT PAYING US BACK FOR THE 7 CASES ENTRUSTED INTO THEIR CARE WHICH THEY HAD OPTED TO STOP WORKING ON BECAUSE WE HAD ASKED THEM ABOUT THE OTHER CASE PAYMENT REIMBURSEMENT FROM OUR ****OR, THIS SINGLE ACT DONE BY SNAP **** INC CANCELLING THE OTHER 7 CASES IS A BULLY ACT AND SOUNDS SO MUCH LIKE A DICTATOR.

I AM REQUESTING THAT SNAP **** INC FULLY REIMBURSE ME BACK THE $700 I HAD PAID TO THEIR ORGANIZATION TO WORK ON THE 7 **** CASES FOR OUR BUSINESS SINCE SNAP **** INC DO NOT WANT TO AGREE TO WORK WITH US AGAIN BASE ON FLIMSY ILLOGICAL EXCUSE. IF ************* IS ALLOWED TO GET AWAY WITH THIS, THEY WILL DO THE SAME TO MANY MORE BUSINESSES IN ********

AGAIN, ************* WAS PAID $700 TO WORK ON 7 **** CASES FOR OUR BUSINESS AND WE WERE HOPING THAT THEY WOULD HELP US RETRIEVE THOUSANDS OF DOLLARS FROM OUR ****ORS. WE PAID THEM THE $700 AND SIGNED AN AGREEMENT CONTRACT WITH THEM AND SNAP **** WOULD HAVE ASKED US TO PAY THEM BACK IF WE HAD REQUESTED THAT THE CONTRACT HPULD BE TERMINATED FOR WHATEVER REASONS. WE HAVE HAD THIS SAME SITUATION WITH SNAP **** INC BEFORE WHERE THEY TOLD US THAT IF WE CANCELLED OUR CONTRACT WITH THEM WE WOULD HAVE TO PAY THEM FOR THE **** NOT YET RECEIVED AS STATED BY THE CONTRACT *****.

NOW SNAP **** INC WANTED TO TERMINATE THE 7 CONTRACT WE HAD WITH THEM BASED ON FLIMSY NASTY EXCUSE AND THEY DO NOT WANT TO REIMBURSE US BACK FOR THE $700 WE HAD PAID THEM TO WORK ON THESE 7 **** CASES FOR OUR COMPANY. THIS ACT IS NOT FAIR AND IF THEY HAD DECIDED TO CANCEL THE CONTRACT, WE HAD WITH THEM THEY MUST REFUND US BACK THE $700 WE HAD PAID THEM TO WORK ON THE 7 **** CASES. THE EXCUSE THEY HAD GIVEN FOR CANCELING THE CONTRACT WAS A BULLYING EXCUSE AND DOES NOT ALIGN WITH THE ***** OF THE CONTRACT THEY HAD SIGNED WITH US TO WORK ON THE 7 **** CASES FOR US.

SNAP **** INC TERMINATING AN ONGOING 7 **** CASES CONTRACT BECAUSE WE HAD ASKED THEM ABOUT ANOTHER PENDING ONGOING **** COLLECTION CASE WHICH OUR ****OR HAD PAID THEM TO REIMBURSE US BUT THEY HAD FAILED TO SEND US THE MONEY ON TIME AND NOW CANCELED THE 7 **** CASES BECAUSE WE ASKED THEM ABOUT THIS ONE ONGOING **** REIMBURSEMENT CASE, ACTING IN THIS MANNER TO TERMINATE THE ONGOING 7 CASES IS BEING BULLYING

I WILL APPRECIATE IF BB CAN LOOK INTO THIS MATTER VERY WELL AS SNAP **** INC HAS ACTED AS A FRAUDSTER AND AS A BULLY.

Sincerely,

******* Olu
Business Response
Date: 01/07/2025
Re: Complaint ID #******** ******* *********************** and Better Business Bureau,
Thank you for reaching out regarding the additional correspondence from **************** We appreciate the opportunity to provide further clarification. Below is our detailed response addressing Ms. **** latest statements:
Contractual Obligations and Termination of Services

Termination of Services:
Ms. *** engaged SNAP Debt Recovery for eight debt collection cases, including the seven referenced in this complaint. Work was initiated on all accounts, and significant administrative and preparatory services were completed prior to the termination of the relationship.

The decision to terminate the agreement was made following repeated instances of unproductive and combative interactions. Despite our efforts to resolve concerns regarding remittance timelines and processes, Ms. *** frequently engaged with our staff in a manner that disrupted operations and hindered progress.

Termination was conducted in accordance with our company policies and the terms outlined in our client agreement. As per the signed agreement, SNAP Debt Recovery reserves the right to terminate services when circumstances make continued collaboration untenable.

Refund Requests:
The upfront fee of $700 covered administrative costs and initial services rendered on the seven cases. Once work begins, these fees are nonrefundable, as outlined in the terms of our agreement. Ms. *** was informed of this policy during the onboarding process and through subsequent communications.

Allegations of Contract Violations:
Ms. *** has alleged that the termination of services constitutes a breach of contract. However, our decision was fully aligned with the terms of the agreement. We believe her assertions are based on a misinterpretation of our policies and contractual language.

Remittance Concerns
Ms. *** has also raised issues regarding funds collected on a separate account. We confirm that all funds collected on her behalf have been remitted according to the timelines and processes outlined in our agreement. Any delays perceived were due to factors beyond our control, such as postal service delivery times, which we communicated to Ms. *** on multiple occasions.
There is no evidence to substantiate Ms. **** claim that funds were withheld or mishandled by SNAP Debt Recovery.

Allegations of Fraud and Bullying
We strongly refute Ms. **** allegations of fraud, bullying, or unethical behavior. These claims are unfounded and appear to stem from dissatisfaction with the termination of services and our refund policy. SNAP Debt Recovery has consistently acted in good faith and in accordance with our contractual obligations.

Customer Answer
Date: 01/17/2025
******* Olu <********************************>

(no subject)

******* Olu <********************************> Fri, Jan 17, 2025 at 6:16 PM
Draft
About Complaint ID: ********

I am writing in response to the fraudulent activity and scam action executed by SNAP **** COLLECTION.
FYI: ( I PAID SNAP *********** $100 IN SEP ****************************************** OCT 2024, I PAID SNAP *********** ADDITIONAL $700 TO WORK ON 7 **** COLLECTION CASES).

This message below is my response to the message I had received from SNAP *********** ON JAN 9TH 2025, which I totally disagree with Snap's debt claim about not wanting to refund me back for the $700 I had paid them to work on the 7 debt cases above.

I am request that BBB look into this matter again as this act from SNAP *********** NOT WANTING TO REFUND ME BACK IS FRAUDULENT, BULLYING AND IT IS ALSO A SCAM FOR THEM NOT TO WANT TO REFUND ME BACK FOR THE SERVICE THEY ABRUPTLY TERMINATED BECAUSE I HAD COMPLAINED ABOUT ISSUES WITH THEIR POOR CUSTOMER SERVICE OF DELAYING IN REIMBURSING ME BACK FOR THE FIRST ONGOING **** MONEY THEY HAD COLLECTED FROM MY PAST TENANT ON MY BEHALF.

My report about SNAP **** SCANDALOUS FRAUDULENT ACTIVITY STILL STANDS.
First I would like to request that SNAP *********** provide the contract agreement that they claimed I ******* Oluwaseun had signed with them agreeing to the false claim they had brought up, that they can terminate the contract agreement I had signed with them without my consent. SNAP *********** WENT AHEAD TO TERMINATE ABRUPTLY THE ONGOING 7 **** COLLECTION CASES I HAD PAID THEM TO WORK, BECAUSE I HAD CHALLENGED THEM ABOUT SENDING LATE THE REIMBURSEMENT THEY HAD RECEIVED FROM MY PAST TENANTS ON MY BEHALF. I HAVE ATTACHED THE EMAILS I HAD SENT TO SNAP *********** INFORMING THEM ABOUT THE DELAYED PAYMENT REIMBURSEMENT, WHICH SNAP *********** HAS TERMED AS BEING NAGGING AND THEY ARE USING THEIR POOR QUALITY SERVICE RENDR AS A MEANS TO TERMINATE THE 7 ONGOING **** CASES WITHOUT PAYING ME BACK FOR THE $700 I HAD PAID THEM TO WORK ON THESE **** CASES. AGAIN THIS ATTITUDE FROM SNAP *********** SHOULD NEVER BE ALLOWED BY ANYONE OFFERING SERVICES TO THE PUBLIC IN THE ***. AGAIN, SNAP *********** HAVE NO RIGHT TO TERMINATE THE 7 ONGOING **** COLLECTION CASES ABRUPTLY WITHOUT PAYING ME BACK THE $700 SERVICE FEES I HAD PAID THEM TO WORK ON THESE **** CASES.
JUSTY TO LET YOU KNOW, SNAP *********** TERMINATED THESE CASES AFTER THEY HAD STARTED THE **** PROCESS RIGHT IN THE MIDDLE OF GETTING ME THE **** OWE BACK. MY OFFICE COULD SUE THEM FOR THIS LOSS AND FOR THE ILLEGAL TERMINATION OF THE ONGOING 7 **** CASES.

Again, I am requesting that SNAP *********** provide the contract agreement which I signed with them, which SNAP *********** HAS FALSELY CLAIMED ALLOW THEM TO TERMINATE MY CONTRACT WITH THEM WITHOUT MUTUAL AGREEMENT TO THE CONTRACT TERMINATION AND WITHOUT REFUNDING ME BACK? ( the 7 debt collection case - $700) AND THAT ALLOW THEM NOT TO GET ME THE **** RECOVER FROM THE CLIENTS' CASES I HAD REPORTED TO THEM.

I have noticed SNAP **** FRAUDULENT AND DICTATORSHIP MANNER AS FAR BACK AS Sept 2024 when I first seek their service for the first debt case. I had requested that they terminate the 1 debt collection account for **** ******** I had initiated with them at that time due to the bad customer service and the dictatorship manner they had handled the case then. This was prior to me paying SNAP *********** $700 for an additional 7 debt collection service for the complaint I had brought against them ".

Then, SNAP *********** TURNED THAT MY REQUEST TO TERMINATE THE CONTRACT, SNAP *********** TOLD ME THAT IF INITIATE THE CONTRACT CANCELATION, THEY WILL GO AHEAD TO CHARGE ME THE AMOUNT OF THE **** DUE - LITERALLY THAT I WILL HAVE TO PAY THEM BACK IF I HAD TERMINATED THE CONTRACT AGREEMENT WITH THEM. THIS WAS FOR THE FIRST **** CASE CONTRACT I HAD PAID SNAP *********** TO WORK ON. See attached evidence about the email that was sent to me from SNAP *********** regarding this statement.

Now I found it SO ILLOGICAL, AND AS BEING BULLIED BY SNAP *********** TO HAVE ACTED THAT IT IS OKAY FOR THEM TO ABRUPTLY TERMINATE THE 7 ONGOING **** CASES I HAD PAID THEIR OFFICE TO WORK ON, AND SNAP **** HAD REFUSED TO PAY ME BACK A REIMBURSEMENT FOR THESE **** CASE SERVICE THEY HAD INTENTIONALLY TERMINATED WITHOUT MY AGREEMENT. ACTING IN THIS MANNER, DESCRIBED SNAP *********** AS A BULLY AND AS A DICTATOR . THE MANNER THAT SNAP *********** HAD REFUSED TO PAY ME BACK A REIMBURSEMENT FOR THESE SERVICES THEY HAD INTENTIONALLY TERMINATED ABRUPTLY WITHOUT SEEING TO THE END OF THE **** CASE IS ILLEGAL AND THIS ACT FROM SNAP *********** IS A BIG SCAM AND FRAUDULENT.

Again, I paid SNAP *********** TO WORK ON 7 **** COLLECTION CASES, SNAP *********** HAVE REFUSED TO PROVIDE RESULT ON ANY OF THE **** COLLECTION CASE AND THEY HAD TERMINATED THE **** CASES ABRUPTLY WHILE THE SERVICE TO GET THE **** RECOVER WAS ONGOING. AGAIN SNAP *********** DID NOT ATLEAST GET ME ONE OF THE **** CASES RECOVER AND AFTER I HAD CHALLENGED THEM ABOUT SEVERAL DELAYED IN REIMBURSING ME FOR THE OTHER 1 ACCOUNT THAT MAKES IT 8 **** COLLECTION ACCOUNTS I HAVE WITH THEM, THEY DECIDED TO HARRASS ME, INSULT ME AND TERMINATE THE 7 ONGOING **** CASE COLLECTION ACCOUNTS I HAD PAID THEM $700 TO WORK ON AND THEY WANT TO USE ILLEGAL POWER TO OVERRIDE THINGS AND NOT REIMBURSE ME BACK FOR THE SERVICE I HAD PAID THEM TO WORK ON.

THIS SINGLE ACT FROM SNAP *********** IS CALLED BULLY. AND IF THEY HAD DECIDED TO TERMINATE MY ACCOUNTS WITH THEM, THEY SHOULD HAVE PAID ME BACK FOR THE SERVICES I HAD PAID THEM TO WORK ON.
AS A MATTER OF FACT, THE 7 **** CASES WERE ONGOING, BUT SNAP *********** DECIDED TO TERMINATE THESE 7 **** CASES ALL BECAUSE I HAD REQUESTED FROM THEM WHY THEY WERE LATE IN REIMBURSING ME FOR THE OTHER 1 **** ACCOUNT - THE **** ******** CASE. I BELIEVE THIS ACT FROM SNAP *********** SHOULD BE CALLED OUT BY YOU BBB AS SNAP *********** TERMINATING MY AGREEMENT WITH THEM FOR THE 7 **** SERVICES I HAD PAID THEM TO WORK ON WITHOUT MY MUTUAL AGREEMENT TO DO SO " AND FAILING TO REIMBURSE ME BACK SINCE THEY WERE THE ONE THAT INITIATED THE CONTRACT TERMINATION, THE **** SNAP *********** HAS PUT FORWARD AS BEING RIGHT IS NOT ACCEPTABLE AND THAT ACT IS AUTOCRATIC AND BULLYING THEIR CUSTOMERS TO SUBMISSION AND THIS ACT IS A SCAM.

I HAVE PROVIDED WITH THIS LETTER , EMAILS I HAD SEND TO SNAP *********** PRIOR TO REPORTING THIS CASE TO BBB FOR FRAUD, TO PROOF THAT SNAP *********** REFUSING TO PAY ME BACK THE $700 I HAD PAID THEM FOR THE 7 **** CASES THEY HAD ABRUPTLY TERMINATED WAS AN ATTEMPT TO GET BACK AT ME FOR COMPLAINING ABOUT THEIR BAD CUSTOMER SERVICE; IN THE SENSE THAT THEY DELAYED IN SENDING ME THE REIMBURSEMENT FOR THE PAYMENT THEY HAD RECEIVED FROM THE FIRST **** CASE - **** SANGSTER I HAD PLACED IN THEIR CARE.
AGAIN, BBB SHOULD LOOK INTO THIS MATTER OF SCAM, BULLY AND FRAUD THAT SNAP *********** HAD DISPLAYED ALL ALONG.
I HOPE THAT BBB WILL DO SOMETHING ABOUT THIS AS I PATIENTLY WAIT TO GET MY FULL REFUND BACK FROM SNAP *********** FOR THE $700 THAT I HAD PAID THEM IN ADDITION TO THE ALREADY 1 ESTABLISH CASE, TO MAKE THIS **** CASE 8 CASES.

JUST TO REITERATE, I PAID SNAP *********** $800 IN TOTAL TO WORK ON RETRIEVING 8 **** CASES.
THE LAST 7 **** CASES WAS ADDED AFTER THE FIRST 1 **** CASE WAS TURNED IN TO SNAP ***********.
IN THE COURSE OF GETTING THE MONTHLY REIMBURSEMENT FOR THE 1 CASE I FIRST INITIATED WITH SNAP **** COLLECTION OFFICE, THERE WERE SEVERAL DELAYS IN MAKING PAYING TO MY ACCOUNT FROM SNAP *********** TO REMIT THE PAYMENT THEY HAD RECEIVED FROM MY TENANT WHO WAS OWING ME, I MADE THIS CUSTOMER DISSATISFACTION KNOWN TO SNAP *********** AND THEY DECIDED TO TERMINATE MY OTHER 7 ONGOING **** COLLECTION CASES I HAD PAID THEIR OFFICE TO WORK ON WITHOUT REFUNDING ME BACK THE $700 I HAD PAID THEM TO WORK ON THESE 7 **** COLLECTION CASES.
THIS ACT OF ABRUPTLY TERMINATING CLIENT AGREEMENT I HAD EXPERIENCE FROM SNAP *********** WITHOUT MY LEGAL CONSENT TO THIS AND SNAP *********** REFUSING TO PAY ME BACK THE 7 **** SERVICE MONEY I HAD PAID THEIR OFFICE TO WORK ON THESE 7 ****S CASES IS NOT RIGHT.
SNAP *********** OPERATING A FRAUDULENT, SCAM AND DICTATORSHIP BUSINESS NOT WANTING ME TO ASK THEM ABOUT WHY THE PAYMENT REIMBURSEMENT FOR THE OTHER **** CASE I HAD PLACED IN THEIR CUSTODY WAS LATE AND WHY THE DELAY IN SENDING THE CHECK FOR THE MONEY THEY HAD ALREADY RECEIVED FROM MY TENANTS AND USING THIS AS A SILLY EXCUSE TO TERMINATE THE ONGOING 7 **** CASES IS ILLEGAL AND FRAUDULENT.

I HAD ATTACHED ALL THE EMAILS I HAD SENT TO SNAP *********** ABOUT THE FIRST **** CASE, WHICH SNAP **** FAILED TO ACKNOWLEDGE AND WAS USING AS A WAY TO TERMINATE THE OTHER ONGOING 7 **** COLLECTION CASES I
HAD PLACED IN THEIR CARE.

THREAT MESSAGE WE HAD RECEIVED FROM SNAP *********** - THEIR TEAM LEADER ***** ON JANUARY 22ND 2024, CLAIMING THAT OUR OFFICE WOULD HAVE TO PAY SNAP **** IF WE DECIDED OR WANT TO TERMINATE THE ONGOING CONTRACT AGREEMENT WITH SNAP ***********.

DUE TO THE BAD CUSTOMER SERVICE AND IRREGULARITIES WE HAD RECEIVED FROM SNAP ***********, ON JAN 22ND 2024,  WE REQUESTED TO TERMINATE THE CONTRACT AGREEMENT WE HAD WITH SNAP ***********, BUT OUR REQUEST WAS TURNED DOWN BY SNAP *********** AND THEY THREATENING US WITH A FINE IF WE TERMINATE OR CANCEL THE ONGOING CONTRACT WE HAD WITH THEIR OFFICE THEN, THIS WAS PRIOR TO US PAYING SNAP ***********

AN ADDITION OF $700 FOR THE 7 CASES THAT WAS ABRUPTLY TERMINATED BY SNAP ***********.

EMAIL ABOUT THE RUDE RESPONSE WE HAD RECEIVED FROM ***** ONE OF THE SNAP **** TEAM

SOME OF THE EMAILS WE HAD SENT TO SNAP *********** ABOUT THE DELAY IN PAYMENT WE HAD EXPERIENCE WITH THEM WHICH SNAP *********** USE AGAINST US TO ABRUPTLY TERMINE THE OTHER 7 **** CASES WE HAD PAID THEM TO WORK ON FOR US. SNAP *********** HAVE FALSELY CLAIMED THAT THEY TERMINATED THE 7 ONGOING **** COLLECTION CASES DUE TO OUR OFFICE ISSUE, HOWEVER BELOW ARE THE EMAILS WE HAD SENT AND RECEIVED TO PROVE THAT SNAP **** COLLECTOR TERMINATED THE 7 ONGOING **** CASES BASED ON FALSE ACCUSATION AND THEY TERMINATED IT BECAUSE WE HAD COMPLAINED ABOUT THEIR BAD CUSTOMER SERVICE.

OTHER CASE

PROOF OF ONGOING **** CASES THAT WERE TERMINATED ABRUPTLY BY SNAP *********** WITHOUT OUR OFFICE MUTUAL AGREEMENT OR CONSENT

Customer Answer
Date: 01/17/2025
******* Olu <********************************>

(no subject)

******* Olu <********************************> Fri, Jan 17, 2025 at 6:16 PM
Draft
About Complaint ID: ********

I am writing in response to the fraudulent activity and scam action executed by SNAP **** COLLECTION.
FYI: ( I PAID SNAP *********** $100 IN SEP ****************************************** OCT 2024, I PAID SNAP *********** ADDITIONAL $700 TO WORK ON 7 **** COLLECTION CASES).

This message below is my response to the message I had received from SNAP *********** ON JAN 9TH 2025, which I totally disagree with Snap's debt claim about not wanting to refund me back for the $700 I had paid them to work on the 7 debt cases above.

I am request that BBB look into this matter again as this act from SNAP *********** NOT WANTING TO REFUND ME BACK IS FRAUDULENT, BULLYING AND IT IS ALSO A SCAM FOR THEM NOT TO WANT TO REFUND ME BACK FOR THE SERVICE THEY ABRUPTLY TERMINATED BECAUSE I HAD COMPLAINED ABOUT ISSUES WITH THEIR POOR CUSTOMER SERVICE OF DELAYING IN REIMBURSING ME BACK FOR THE FIRST ONGOING **** MONEY THEY HAD COLLECTED FROM MY PAST TENANT ON MY BEHALF.

My report about SNAP **** SCANDALOUS FRAUDULENT ACTIVITY STILL STANDS.
First I would like to request that SNAP *********** provide the contract agreement that they claimed I ******* Oluwaseun had signed with them agreeing to the false claim they had brought up, that they can terminate the contract agreement I had signed with them without my consent. SNAP *********** WENT AHEAD TO TERMINATE ABRUPTLY THE ONGOING 7 **** COLLECTION CASES I HAD PAID THEM TO WORK, BECAUSE I HAD CHALLENGED THEM ABOUT SENDING LATE THE REIMBURSEMENT THEY HAD RECEIVED FROM MY PAST TENANTS ON MY BEHALF. I HAVE ATTACHED THE EMAILS I HAD SENT TO SNAP *********** INFORMING THEM ABOUT THE DELAYED PAYMENT REIMBURSEMENT, WHICH SNAP *********** HAS TERMED AS BEING NAGGING AND THEY ARE USING THEIR POOR QUALITY SERVICE RENDR AS A MEANS TO TERMINATE THE 7 ONGOING **** CASES WITHOUT PAYING ME BACK FOR THE $700 I HAD PAID THEM TO WORK ON THESE **** CASES. AGAIN THIS ATTITUDE FROM SNAP *********** SHOULD NEVER BE ALLOWED BY ANYONE OFFERING SERVICES TO THE PUBLIC IN THE ***. AGAIN, SNAP *********** HAVE NO RIGHT TO TERMINATE THE 7 ONGOING **** COLLECTION CASES ABRUPTLY WITHOUT PAYING ME BACK THE $700 SERVICE FEES I HAD PAID THEM TO WORK ON THESE **** CASES.
JUSTY TO LET YOU KNOW, SNAP *********** TERMINATED THESE CASES AFTER THEY HAD STARTED THE **** PROCESS RIGHT IN THE MIDDLE OF GETTING ME THE **** OWE BACK. MY OFFICE COULD SUE THEM FOR THIS LOSS AND FOR THE ILLEGAL TERMINATION OF THE ONGOING 7 **** CASES.

Again, I am requesting that SNAP *********** provide the contract agreement which I signed with them, which SNAP *********** HAS FALSELY CLAIMED ALLOW THEM TO TERMINATE MY CONTRACT WITH THEM WITHOUT MUTUAL AGREEMENT TO THE CONTRACT TERMINATION AND WITHOUT REFUNDING ME BACK? ( the 7 debt collection case - $700) AND THAT ALLOW THEM NOT TO GET ME THE **** RECOVER FROM THE CLIENTS' CASES I HAD REPORTED TO THEM.

I have noticed SNAP **** FRAUDULENT AND DICTATORSHIP MANNER AS FAR BACK AS Sept 2024 when I first seek their service for the first debt case. I had requested that they terminate the 1 debt collection account for **** ******** I had initiated with them at that time due to the bad customer service and the dictatorship manner they had handled the case then. This was prior to me paying SNAP *********** $700 for an additional 7 debt collection service for the complaint I had brought against them ".

Then, SNAP *********** TURNED THAT MY REQUEST TO TERMINATE THE CONTRACT, SNAP *********** TOLD ME THAT IF INITIATE THE CONTRACT CANCELATION, THEY WILL GO AHEAD TO CHARGE ME THE AMOUNT OF THE **** DUE - LITERALLY THAT I WILL HAVE TO PAY THEM BACK IF I HAD TERMINATED THE CONTRACT AGREEMENT WITH THEM. THIS WAS FOR THE FIRST **** CASE CONTRACT I HAD PAID SNAP *********** TO WORK ON. See attached evidence about the email that was sent to me from SNAP *********** regarding this statement.

Now I found it SO ILLOGICAL, AND AS BEING BULLIED BY SNAP *********** TO HAVE ACTED THAT IT IS OKAY FOR THEM TO ABRUPTLY TERMINATE THE 7 ONGOING **** CASES I HAD PAID THEIR OFFICE TO WORK ON, AND SNAP **** HAD REFUSED TO PAY ME BACK A REIMBURSEMENT FOR THESE **** CASE SERVICE THEY HAD INTENTIONALLY TERMINATED WITHOUT MY AGREEMENT. ACTING IN THIS MANNER, DESCRIBED SNAP *********** AS A BULLY AND AS A DICTATOR . THE MANNER THAT SNAP *********** HAD REFUSED TO PAY ME BACK A REIMBURSEMENT FOR THESE SERVICES THEY HAD INTENTIONALLY TERMINATED ABRUPTLY WITHOUT SEEING TO THE END OF THE **** CASE IS ILLEGAL AND THIS ACT FROM SNAP *********** IS A BIG SCAM AND FRAUDULENT.

Again, I paid SNAP *********** TO WORK ON 7 **** COLLECTION CASES, SNAP *********** HAVE REFUSED TO PROVIDE RESULT ON ANY OF THE **** COLLECTION CASE AND THEY HAD TERMINATED THE **** CASES ABRUPTLY WHILE THE SERVICE TO GET THE **** RECOVER WAS ONGOING. AGAIN SNAP *********** DID NOT ATLEAST GET ME ONE OF THE **** CASES RECOVER AND AFTER I HAD CHALLENGED THEM ABOUT SEVERAL DELAYED IN REIMBURSING ME FOR THE OTHER 1 ACCOUNT THAT MAKES IT 8 **** COLLECTION ACCOUNTS I HAVE WITH THEM, THEY DECIDED TO HARRASS ME, INSULT ME AND TERMINATE THE 7 ONGOING **** CASE COLLECTION ACCOUNTS I HAD PAID THEM $700 TO WORK ON AND THEY WANT TO USE ILLEGAL POWER TO OVERRIDE THINGS AND NOT REIMBURSE ME BACK FOR THE SERVICE I HAD PAID THEM TO WORK ON.

THIS SINGLE ACT FROM SNAP *********** IS CALLED BULLY. AND IF THEY HAD DECIDED TO TERMINATE MY ACCOUNTS WITH THEM, THEY SHOULD HAVE PAID ME BACK FOR THE SERVICES I HAD PAID THEM TO WORK ON.
AS A MATTER OF FACT, THE 7 **** CASES WERE ONGOING, BUT SNAP *********** DECIDED TO TERMINATE THESE 7 **** CASES ALL BECAUSE I HAD REQUESTED FROM THEM WHY THEY WERE LATE IN REIMBURSING ME FOR THE OTHER 1 **** ACCOUNT - THE **** ******** CASE. I BELIEVE THIS ACT FROM SNAP *********** SHOULD BE CALLED OUT BY YOU BBB AS SNAP *********** TERMINATING MY AGREEMENT WITH THEM FOR THE 7 **** SERVICES I HAD PAID THEM TO WORK ON WITHOUT MY MUTUAL AGREEMENT TO DO SO " AND FAILING TO REIMBURSE ME BACK SINCE THEY WERE THE ONE THAT INITIATED THE CONTRACT TERMINATION, THE **** SNAP *********** HAS PUT FORWARD AS BEING RIGHT IS NOT ACCEPTABLE AND THAT ACT IS AUTOCRATIC AND BULLYING THEIR CUSTOMERS TO SUBMISSION AND THIS ACT IS A SCAM.

I HAVE PROVIDED WITH THIS LETTER , EMAILS I HAD SEND TO SNAP *********** PRIOR TO REPORTING THIS CASE TO BBB FOR FRAUD, TO PROOF THAT SNAP *********** REFUSING TO PAY ME BACK THE $700 I HAD PAID THEM FOR THE 7 **** CASES THEY HAD ABRUPTLY TERMINATED WAS AN ATTEMPT TO GET BACK AT ME FOR COMPLAINING ABOUT THEIR BAD CUSTOMER SERVICE; IN THE SENSE THAT THEY DELAYED IN SENDING ME THE REIMBURSEMENT FOR THE PAYMENT THEY HAD RECEIVED FROM THE FIRST **** CASE - **** SANGSTER I HAD PLACED IN THEIR CARE.
AGAIN, BBB SHOULD LOOK INTO THIS MATTER OF SCAM, BULLY AND FRAUD THAT SNAP *********** HAD DISPLAYED ALL ALONG.
I HOPE THAT BBB WILL DO SOMETHING ABOUT THIS AS I PATIENTLY WAIT TO GET MY FULL REFUND BACK FROM SNAP *********** FOR THE $700 THAT I HAD PAID THEM IN ADDITION TO THE ALREADY 1 ESTABLISH CASE, TO MAKE THIS **** CASE 8 CASES.

JUST TO REITERATE, I PAID SNAP *********** $800 IN TOTAL TO WORK ON RETRIEVING 8 **** CASES.
THE LAST 7 **** CASES WAS ADDED AFTER THE FIRST 1 **** CASE WAS TURNED IN TO SNAP ***********.
IN THE COURSE OF GETTING THE MONTHLY REIMBURSEMENT FOR THE 1 CASE I FIRST INITIATED WITH SNAP **** COLLECTION OFFICE, THERE WERE SEVERAL DELAYS IN MAKING PAYING TO MY ACCOUNT FROM SNAP *********** TO REMIT THE PAYMENT THEY HAD RECEIVED FROM MY TENANT WHO WAS OWING ME, I MADE THIS CUSTOMER DISSATISFACTION KNOWN TO SNAP *********** AND THEY DECIDED TO TERMINATE MY OTHER 7 ONGOING **** COLLECTION CASES I HAD PAID THEIR OFFICE TO WORK ON WITHOUT REFUNDING ME BACK THE $700 I HAD PAID THEM TO WORK ON THESE 7 **** COLLECTION CASES.
THIS ACT OF ABRUPTLY TERMINATING CLIENT AGREEMENT I HAD EXPERIENCE FROM SNAP *********** WITHOUT MY LEGAL CONSENT TO THIS AND SNAP *********** REFUSING TO PAY ME BACK THE 7 **** SERVICE MONEY I HAD PAID THEIR OFFICE TO WORK ON THESE 7 ****S CASES IS NOT RIGHT.
SNAP *********** OPERATING A FRAUDULENT, SCAM AND DICTATORSHIP BUSINESS NOT WANTING ME TO ASK THEM ABOUT WHY THE PAYMENT REIMBURSEMENT FOR THE OTHER **** CASE I HAD PLACED IN THEIR CUSTODY WAS LATE AND WHY THE DELAY IN SENDING THE CHECK FOR THE MONEY THEY HAD ALREADY RECEIVED FROM MY TENANTS AND USING THIS AS A SILLY EXCUSE TO TERMINATE THE ONGOING 7 **** CASES IS ILLEGAL AND FRAUDULENT.

I HAD ATTACHED ALL THE EMAILS I HAD SENT TO SNAP *********** ABOUT THE FIRST **** CASE, WHICH SNAP **** FAILED TO ACKNOWLEDGE AND WAS USING AS A WAY TO TERMINATE THE OTHER ONGOING 7 **** COLLECTION CASES I
HAD PLACED IN THEIR CARE.

THREAT MESSAGE WE HAD RECEIVED FROM SNAP *********** - THEIR TEAM LEADER ***** ON JANUARY 22ND 2024, CLAIMING THAT OUR OFFICE WOULD HAVE TO PAY SNAP **** IF WE DECIDED OR WANT TO TERMINATE THE ONGOING CONTRACT AGREEMENT WITH SNAP ***********.

DUE TO THE BAD CUSTOMER SERVICE AND IRREGULARITIES WE HAD RECEIVED FROM SNAP ***********, ON JAN 22ND 2024,  WE REQUESTED TO TERMINATE THE CONTRACT AGREEMENT WE HAD WITH SNAP ***********, BUT OUR REQUEST WAS TURNED DOWN BY SNAP *********** AND THEY THREATENING US WITH A FINE IF WE TERMINATE OR CANCEL THE ONGOING CONTRACT WE HAD WITH THEIR OFFICE THEN, THIS WAS PRIOR TO US PAYING SNAP ***********

AN ADDITION OF $700 FOR THE 7 CASES THAT WAS ABRUPTLY TERMINATED BY SNAP ***********.

EMAIL ABOUT THE RUDE RESPONSE WE HAD RECEIVED FROM ***** ONE OF THE SNAP **** TEAM

SOME OF THE EMAILS WE HAD SENT TO SNAP *********** ABOUT THE DELAY IN PAYMENT WE HAD EXPERIENCE WITH THEM WHICH SNAP *********** USE AGAINST US TO ABRUPTLY TERMINE THE OTHER 7 **** CASES WE HAD PAID THEM TO WORK ON FOR US. SNAP *********** HAVE FALSELY CLAIMED THAT THEY TERMINATED THE 7 ONGOING **** COLLECTION CASES DUE TO OUR OFFICE ISSUE, HOWEVER BELOW ARE THE EMAILS WE HAD SENT AND RECEIVED TO PROVE THAT SNAP **** COLLECTOR TERMINATED THE 7 ONGOING **** CASES BASED ON FALSE ACCUSATION AND THEY TERMINATED IT BECAUSE WE HAD COMPLAINED ABOUT THEIR BAD CUSTOMER SERVICE.

OTHER CASE

PROOF OF ONGOING **** CASES THAT WERE TERMINATED ABRUPTLY BY SNAP *********** WITHOUT OUR OFFICE MUTUAL AGREEMENT OR CONSENT

Customer Answer
Date: 01/17/2025
******* Olu <********************************>

(no subject)

******* Olu <********************************> Fri, Jan 17, 2025 at 6:16 PM
Draft
About Complaint ID: ********

I am writing in response to the fraudulent activity and scam action executed by SNAP **** COLLECTION.
FYI: ( I PAID SNAP *********** $100 IN SEP ****************************************** OCT 2024, I PAID SNAP *********** ADDITIONAL $700 TO WORK ON 7 **** COLLECTION CASES).

This message below is my response to the message I had received from SNAP *********** ON JAN 9TH 2025, which I totally disagree with Snap's debt claim about not wanting to refund me back for the $700 I had paid them to work on the 7 debt cases above.

I am request that BBB look into this matter again as this act from SNAP *********** NOT WANTING TO REFUND ME BACK IS FRAUDULENT, BULLYING AND IT IS ALSO A SCAM FOR THEM NOT TO WANT TO REFUND ME BACK FOR THE SERVICE THEY ABRUPTLY TERMINATED BECAUSE I HAD COMPLAINED ABOUT ISSUES WITH THEIR POOR CUSTOMER SERVICE OF DELAYING IN REIMBURSING ME BACK FOR THE FIRST ONGOING **** MONEY THEY HAD COLLECTED FROM MY PAST TENANT ON MY BEHALF.

My report about SNAP **** SCANDALOUS FRAUDULENT ACTIVITY STILL STANDS.
First I would like to request that SNAP *********** provide the contract agreement that they claimed I ******* Oluwaseun had signed with them agreeing to the false claim they had brought up, that they can terminate the contract agreement I had signed with them without my consent. SNAP *********** WENT AHEAD TO TERMINATE ABRUPTLY THE ONGOING 7 **** COLLECTION CASES I HAD PAID THEM TO WORK, BECAUSE I HAD CHALLENGED THEM ABOUT SENDING LATE THE REIMBURSEMENT THEY HAD RECEIVED FROM MY PAST TENANTS ON MY BEHALF. I HAVE ATTACHED THE EMAILS I HAD SENT TO SNAP *********** INFORMING THEM ABOUT THE DELAYED PAYMENT REIMBURSEMENT, WHICH SNAP *********** HAS TERMED AS BEING NAGGING AND THEY ARE USING THEIR POOR QUALITY SERVICE RENDR AS A MEANS TO TERMINATE THE 7 ONGOING **** CASES WITHOUT PAYING ME BACK FOR THE $700 I HAD PAID THEM TO WORK ON THESE **** CASES. AGAIN THIS ATTITUDE FROM SNAP *********** SHOULD NEVER BE ALLOWED BY ANYONE OFFERING SERVICES TO THE PUBLIC IN THE ***. AGAIN, SNAP *********** HAVE NO RIGHT TO TERMINATE THE 7 ONGOING **** COLLECTION CASES ABRUPTLY WITHOUT PAYING ME BACK THE $700 SERVICE FEES I HAD PAID THEM TO WORK ON THESE **** CASES.
JUSTY TO LET YOU KNOW, SNAP *********** TERMINATED THESE CASES AFTER THEY HAD STARTED THE **** PROCESS RIGHT IN THE MIDDLE OF GETTING ME THE **** OWE BACK. MY OFFICE COULD SUE THEM FOR THIS LOSS AND FOR THE ILLEGAL TERMINATION OF THE ONGOING 7 **** CASES.

Again, I am requesting that SNAP *********** provide the contract agreement which I signed with them, which SNAP *********** HAS FALSELY CLAIMED ALLOW THEM TO TERMINATE MY CONTRACT WITH THEM WITHOUT MUTUAL AGREEMENT TO THE CONTRACT TERMINATION AND WITHOUT REFUNDING ME BACK? ( the 7 debt collection case - $700) AND THAT ALLOW THEM NOT TO GET ME THE **** RECOVER FROM THE CLIENTS' CASES I HAD REPORTED TO THEM.

I have noticed SNAP **** FRAUDULENT AND DICTATORSHIP MANNER AS FAR BACK AS Sept 2024 when I first seek their service for the first debt case. I had requested that they terminate the 1 debt collection account for **** ******** I had initiated with them at that time due to the bad customer service and the dictatorship manner they had handled the case then. This was prior to me paying SNAP *********** $700 for an additional 7 debt collection service for the complaint I had brought against them ".

Then, SNAP *********** TURNED THAT MY REQUEST TO TERMINATE THE CONTRACT, SNAP *********** TOLD ME THAT IF INITIATE THE CONTRACT CANCELATION, THEY WILL GO AHEAD TO CHARGE ME THE AMOUNT OF THE **** DUE - LITERALLY THAT I WILL HAVE TO PAY THEM BACK IF I HAD TERMINATED THE CONTRACT AGREEMENT WITH THEM. THIS WAS FOR THE FIRST **** CASE CONTRACT I HAD PAID SNAP *********** TO WORK ON. See attached evidence about the email that was sent to me from SNAP *********** regarding this statement.

Now I found it SO ILLOGICAL, AND AS BEING BULLIED BY SNAP *********** TO HAVE ACTED THAT IT IS OKAY FOR THEM TO ABRUPTLY TERMINATE THE 7 ONGOING **** CASES I HAD PAID THEIR OFFICE TO WORK ON, AND SNAP **** HAD REFUSED TO PAY ME BACK A REIMBURSEMENT FOR THESE **** CASE SERVICE THEY HAD INTENTIONALLY TERMINATED WITHOUT MY AGREEMENT. ACTING IN THIS MANNER, DESCRIBED SNAP *********** AS A BULLY AND AS A DICTATOR . THE MANNER THAT SNAP *********** HAD REFUSED TO PAY ME BACK A REIMBURSEMENT FOR THESE SERVICES THEY HAD INTENTIONALLY TERMINATED ABRUPTLY WITHOUT SEEING TO THE END OF THE **** CASE IS ILLEGAL AND THIS ACT FROM SNAP *********** IS A BIG SCAM AND FRAUDULENT.

Again, I paid SNAP *********** TO WORK ON 7 **** COLLECTION CASES, SNAP *********** HAVE REFUSED TO PROVIDE RESULT ON ANY OF THE **** COLLECTION CASE AND THEY HAD TERMINATED THE **** CASES ABRUPTLY WHILE THE SERVICE TO GET THE **** RECOVER WAS ONGOING. AGAIN SNAP *********** DID NOT ATLEAST GET ME ONE OF THE **** CASES RECOVER AND AFTER I HAD CHALLENGED THEM ABOUT SEVERAL DELAYED IN REIMBURSING ME FOR THE OTHER 1 ACCOUNT THAT MAKES IT 8 **** COLLECTION ACCOUNTS I HAVE WITH THEM, THEY DECIDED TO HARRASS ME, INSULT ME AND TERMINATE THE 7 ONGOING **** CASE COLLECTION ACCOUNTS I HAD PAID THEM $700 TO WORK ON AND THEY WANT TO USE ILLEGAL POWER TO OVERRIDE THINGS AND NOT REIMBURSE ME BACK FOR THE SERVICE I HAD PAID THEM TO WORK ON.

THIS SINGLE ACT FROM SNAP *********** IS CALLED BULLY. AND IF THEY HAD DECIDED TO TERMINATE MY ACCOUNTS WITH THEM, THEY SHOULD HAVE PAID ME BACK FOR THE SERVICES I HAD PAID THEM TO WORK ON.
AS A MATTER OF FACT, THE 7 **** CASES WERE ONGOING, BUT SNAP *********** DECIDED TO TERMINATE THESE 7 **** CASES ALL BECAUSE I HAD REQUESTED FROM THEM WHY THEY WERE LATE IN REIMBURSING ME FOR THE OTHER 1 **** ACCOUNT - THE **** ******** CASE. I BELIEVE THIS ACT FROM SNAP *********** SHOULD BE CALLED OUT BY YOU BBB AS SNAP *********** TERMINATING MY AGREEMENT WITH THEM FOR THE 7 **** SERVICES I HAD PAID THEM TO WORK ON WITHOUT MY MUTUAL AGREEMENT TO DO SO " AND FAILING TO REIMBURSE ME BACK SINCE THEY WERE THE ONE THAT INITIATED THE CONTRACT TERMINATION, THE **** SNAP *********** HAS PUT FORWARD AS BEING RIGHT IS NOT ACCEPTABLE AND THAT ACT IS AUTOCRATIC AND BULLYING THEIR CUSTOMERS TO SUBMISSION AND THIS ACT IS A SCAM.

I HAVE PROVIDED WITH THIS LETTER , EMAILS I HAD SEND TO SNAP *********** PRIOR TO REPORTING THIS CASE TO BBB FOR FRAUD, TO PROOF THAT SNAP *********** REFUSING TO PAY ME BACK THE $700 I HAD PAID THEM FOR THE 7 **** CASES THEY HAD ABRUPTLY TERMINATED WAS AN ATTEMPT TO GET BACK AT ME FOR COMPLAINING ABOUT THEIR BAD CUSTOMER SERVICE; IN THE SENSE THAT THEY DELAYED IN SENDING ME THE REIMBURSEMENT FOR THE PAYMENT THEY HAD RECEIVED FROM THE FIRST **** CASE - **** SANGSTER I HAD PLACED IN THEIR CARE.
AGAIN, BBB SHOULD LOOK INTO THIS MATTER OF SCAM, BULLY AND FRAUD THAT SNAP *********** HAD DISPLAYED ALL ALONG.
I HOPE THAT BBB WILL DO SOMETHING ABOUT THIS AS I PATIENTLY WAIT TO GET MY FULL REFUND BACK FROM SNAP *********** FOR THE $700 THAT I HAD PAID THEM IN ADDITION TO THE ALREADY 1 ESTABLISH CASE, TO MAKE THIS **** CASE 8 CASES.

JUST TO REITERATE, I PAID SNAP *********** $800 IN TOTAL TO WORK ON RETRIEVING 8 **** CASES.
THE LAST 7 **** CASES WAS ADDED AFTER THE FIRST 1 **** CASE WAS TURNED IN TO SNAP ***********.
IN THE COURSE OF GETTING THE MONTHLY REIMBURSEMENT FOR THE 1 CASE I FIRST INITIATED WITH SNAP **** COLLECTION OFFICE, THERE WERE SEVERAL DELAYS IN MAKING PAYING TO MY ACCOUNT FROM SNAP *********** TO REMIT THE PAYMENT THEY HAD RECEIVED FROM MY TENANT WHO WAS OWING ME, I MADE THIS CUSTOMER DISSATISFACTION KNOWN TO SNAP *********** AND THEY DECIDED TO TERMINATE MY OTHER 7 ONGOING **** COLLECTION CASES I HAD PAID THEIR OFFICE TO WORK ON WITHOUT REFUNDING ME BACK THE $700 I HAD PAID THEM TO WORK ON THESE 7 **** COLLECTION CASES.
THIS ACT OF ABRUPTLY TERMINATING CLIENT AGREEMENT I HAD EXPERIENCE FROM SNAP *********** WITHOUT MY LEGAL CONSENT TO THIS AND SNAP *********** REFUSING TO PAY ME BACK THE 7 **** SERVICE MONEY I HAD PAID THEIR OFFICE TO WORK ON THESE 7 ****S CASES IS NOT RIGHT.
SNAP *********** OPERATING A FRAUDULENT, SCAM AND DICTATORSHIP BUSINESS NOT WANTING ME TO ASK THEM ABOUT WHY THE PAYMENT REIMBURSEMENT FOR THE OTHER **** CASE I HAD PLACED IN THEIR CUSTODY WAS LATE AND WHY THE DELAY IN SENDING THE CHECK FOR THE MONEY THEY HAD ALREADY RECEIVED FROM MY TENANTS AND USING THIS AS A SILLY EXCUSE TO TERMINATE THE ONGOING 7 **** CASES IS ILLEGAL AND FRAUDULENT.

I HAD ATTACHED ALL THE EMAILS I HAD SENT TO SNAP *********** ABOUT THE FIRST **** CASE, WHICH SNAP **** FAILED TO ACKNOWLEDGE AND WAS USING AS A WAY TO TERMINATE THE OTHER ONGOING 7 **** COLLECTION CASES I
HAD PLACED IN THEIR CARE.

THREAT MESSAGE WE HAD RECEIVED FROM SNAP *********** - THEIR TEAM LEADER ***** ON JANUARY 22ND 2024, CLAIMING THAT OUR OFFICE WOULD HAVE TO PAY SNAP **** IF WE DECIDED OR WANT TO TERMINATE THE ONGOING CONTRACT AGREEMENT WITH SNAP ***********.

DUE TO THE BAD CUSTOMER SERVICE AND IRREGULARITIES WE HAD RECEIVED FROM SNAP ***********, ON JAN 22ND 2024,  WE REQUESTED TO TERMINATE THE CONTRACT AGREEMENT WE HAD WITH SNAP ***********, BUT OUR REQUEST WAS TURNED DOWN BY SNAP *********** AND THEY THREATENING US WITH A FINE IF WE TERMINATE OR CANCEL THE ONGOING CONTRACT WE HAD WITH THEIR OFFICE THEN, THIS WAS PRIOR TO US PAYING SNAP ***********

AN ADDITION OF $700 FOR THE 7 CASES THAT WAS ABRUPTLY TERMINATED BY SNAP ***********.

EMAIL ABOUT THE RUDE RESPONSE WE HAD RECEIVED FROM ***** ONE OF THE SNAP **** TEAM

SOME OF THE EMAILS WE HAD SENT TO SNAP *********** ABOUT THE DELAY IN PAYMENT WE HAD EXPERIENCE WITH THEM WHICH SNAP *********** USE AGAINST US TO ABRUPTLY TERMINE THE OTHER 7 **** CASES WE HAD PAID THEM TO WORK ON FOR US. SNAP *********** HAVE FALSELY CLAIMED THAT THEY TERMINATED THE 7 ONGOING **** COLLECTION CASES DUE TO OUR OFFICE ISSUE, HOWEVER BELOW ARE THE EMAILS WE HAD SENT AND RECEIVED TO PROVE THAT SNAP **** COLLECTOR TERMINATED THE 7 ONGOING **** CASES BASED ON FALSE ACCUSATION AND THEY TERMINATED IT BECAUSE WE HAD COMPLAINED ABOUT THEIR BAD CUSTOMER SERVICE.

OTHER CASE

PROOF OF ONGOING **** CASES THAT WERE TERMINATED ABRUPTLY BY SNAP *********** WITHOUT OUR OFFICE MUTUAL AGREEMENT OR CONSENT

Customer Answer
Date: 01/17/2025

Complaint: 22541342

I am rejecting this response because:

SEE ATTACHED MY CLAIMS FOR REJECTING THE RESPONSE RECEIVED FROM SNAP ***********

Sincerely,

******* Olu

******* Olu <********************************>

(no subject)

******* Olu <********************************> Fri, Jan 17, 2025 at 6:16 PM
Draft
About Complaint ID: ********

I am writing in response to the fraudulent activity and scam action executed by SNAP **** COLLECTION.
FYI: (I PAID SNAP *********** $100 IN SEP ****************************************** OCT 2024, I PAID SNAP *********** ADDITIONAL $700 TO WORK ON 7 **** COLLECTION CASES).

This message below is my response to the message I had received from SNAP *********** ON JAN 9TH 2025, which I totally disagree with Snap's debt claim about not wanting to refund me back for the $700 I had paid them to work on the 7 debt cases above.

I am request that BBB look into this matter again as this act from SNAP *********** NOT WANTING TO REFUND ME BACK IS FRAUDULENT, BULLYING AND IT IS ALSO A SCAM FOR THEM NOT TO WANT TO REFUND ME BACK FOR THE SERVICE THEY ABRUPTLY TERMINATED BECAUSE I HAD COMPLAINED ABOUT ISSUES WITH THEIR POOR CUSTOMER SERVICE OF DELAYING IN REIMBURSING ME BACK FOR THE FIRST ONGOING **** MONEY THEY HAD COLLECTED FROM MY PAST TENANT ON MY BEHALF.

My report about SNAP **** SCANDALOUS FRAUDULENT ACTIVITY STILL STANDS.
First, I would like to request that **** *********** provide the contract agreement that they claimed I ******* Oluwaseun had signed with them agreeing to the false claim they had brought up, that they can terminate the contract agreement I had signed with them without my consent. SNAP *********** WENT AHEAD TO TERMINATE ABRUPTLY THE ONGOING 7 **** COLLECTION CASES I HAD PAID THEM TO WORK, BECAUSE I HAD CHALLENGED THEM ABOUT SENDING LATE THE REIMBURSEMENT THEY HAD RECEIVED FROM MY PAST TENANTS ON MY BEHALF. I HAVE ATTACHED THE EMAILS I HAD SENT TO SNAP *********** INFORMING THEM ABOUT THE DELAYED PAYMENT REIMBURSEMENT, WHICH SNAP *********** HAS TERMED AS BEING NAGGING AND THEY ARE USING THEIR POOR-QUALITY SERVICE RENDR AS A MEANS TO TERMINATE THE 7 ONGOING **** CASES WITHOUT PAYING ME BACK FOR THE $700 I HAD PAID THEM TO WORK ON THESE **** CASES. AGAIN, THIS ATTITUDE FROM SNAP *********** SHOULD NEVER BE ALLOWED BY ANYONE OFFERING SERVICES TO THE PUBLIC IN THE ***. AGAIN, SNAP *********** HAVE NO RIGHT TO TERMINATE THE 7 ONGOING **** COLLECTION CASES ABRUPTLY WITHOUT PAYING ME BACK THE $700 SERVICE FEES, I HAD PAID THEM TO WORK ON THESE **** CASES.
JUSTY TO LET YOU KNOW, SNAP *********** TERMINATED THESE CASES AFTER THEY HAD STARTED THE **** PROCESS RIGHT IN THE MIDDLE OF GETTING ME THE **** OWE BACK. MY OFFICE COULD SUE THEM FOR THIS LOSS AND FOR THE ILLEGAL TERMINATION OF THE ONGOING 7 **** CASES.

Again, I am requesting that SNAP *********** provide the contract agreement which I signed with them, which SNAP *********** HAS FALSELY CLAIMED ALLOW THEM TO TERMINATE MY CONTRACT WITH THEM WITHOUT MUTUAL AGREEMENT TO THE CONTRACT TERMINATION AND WITHOUT REFUNDING ME BACK? (the 7-debt collection case - $700) AND THAT ALLOW THEM NOT TO GET ME THE **** RECOVER FROM THE CLIENTS' CASES I HAD REPORTED TO THEM.

I have noticed SNAP **** FRAUDULENT AND DICTATORSHIP MANNER AS FAR BACK AS Sept 2024 when I first seek their service for the first debt case. I had requested that they terminate the 1 debt collection account for **** ******** I had initiated with them at that time due to the bad customer service and the dictatorship manner they had handled the case then. This was prior to me paying SNAP *********** $700 for an additional 7 debt collection service for the complaint I had brought against them ".

Then, SNAP *********** TURNED THAT MY REQUEST TO TERMINATE THE CONTRACT, SNAP *********** TOLD ME THAT IF INITIATE THE CONTRACT CANCELATION, THEY WILL GO AHEAD TO CHARGE ME THE AMOUNT OF THE **** DUE - LITERALLY THAT I WOULD HAVE TO PAY THEM BACK IF I HAD TERMINATED THE CONTRACT AGREEMENT WITH THEM. THIS WAS FOR THE FIRST **** CASE CONTRACT I HAD PAID SNAP *********** TO WORK ON. See attached evidence about the email that was sent to me from SNAP *********** regarding this statement.

Now I found it SO ILLOGICAL, AND AS BEING BULLIED BY SNAP *********** TO HAVE ACTED THAT IT IS OKAY FOR THEM TO ABRUPTLY TERMINATE THE 7 ONGOING **** CASES I HAD PAID THEIR OFFICE TO WORK ON, AND SNAP **** HAD REFUSED TO PAY ME BACK A REIMBURSEMENT FOR THESE **** CASE SERVICE THEY HAD INTENTIONALLY TERMINATED WITHOUT MY AGREEMENT. ACTING IN THIS MANNER, DESCRIBED SNAP *********** AS A BULLY AND AS A DICTATOR . THE MANNER THAT SNAP *********** HAD REFUSED TO PAY ME BACK A REIMBURSEMENT FOR THESE SERVICES THEY HAD INTENTIONALLY TERMINATED ABRUPTLY WITHOUT SEEING TO THE END OF THE **** CASE IS ILLEGAL AND THIS ACT FROM SNAP *********** IS A BIG SCAM AND FRAUDULENT.

Again, I paid SNAP *********** TO WORK ON 7 **** COLLECTION CASES, SNAP *********** HAVE REFUSED TO PROVIDE RESULT ON ANY OF THE **** COLLECTION CASE AND THEY HAD TERMINATED THE **** CASES ABRUPTLY WHILE THE SERVICE TO GET THE **** RECOVER WAS ONGOING. AGAIN SNAP *********** DID NOT ATLEAST GET ME ONE OF THE **** CASES RECOVER AND AFTER I HAD CHALLENGED THEM ABOUT SEVERAL DELAYED IN REIMBURSING ME FOR THE OTHER 1 ACCOUNT THAT MAKES IT 8 **** COLLECTION ACCOUNTS I HAVE WITH THEM, THEY DECIDED TO HARRASS ME, INSULT ME AND TERMINATE THE 7 ONGOING **** CASE COLLECTION ACCOUNTS I HAD PAID THEM $700 TO WORK ON AND THEY WANT TO USE ILLEGAL POWER TO OVERRIDE THINGS AND NOT REIMBURSE ME BACK FOR THE SERVICE I HAD PAID THEM TO WORK ON.

THIS SINGLE ACT FROM SNAP *********** IS CALLED BULLY. AND IF THEY HAD DECIDED TO TERMINATE MY ACCOUNTS WITH THEM, THEY SHOULD HAVE PAID ME BACK FOR THE SERVICES I HAD PAID THEM TO WORK ON.
AS A MATTER OF FACT, THE 7 **** CASES WERE ONGOING, BUT SNAP *********** DECIDED TO TERMINATE THESE 7 **** CASES ALL BECAUSE I HAD REQUESTED FROM THEM WHY THEY WERE LATE IN REIMBURSING ME FOR THE OTHER 1 **** ACCOUNT - THE **** ******** CASE. I BELIEVE THIS ACT FROM SNAP *********** SHOULD BE CALLED OUT BY YOU BBB AS SNAP *********** TERMINATING MY AGREEMENT WITH THEM FOR THE 7 **** SERVICES I HAD PAID THEM TO WORK ON WITHOUT MY MUTUAL AGREEMENT TO DO SO " AND FAILING TO REIMBURSE ME BACK SINCE THEY WERE THE ONE THAT INITIATED THE CONTRACT TERMINATION, THE **** SNAP *********** HAS PUT FORWARD AS BEING RIGHT IS NOT ACCEPTABLE AND THAT ACT IS AUTOCRATIC AND BULLYING THEIR CUSTOMERS TO SUBMISSION AND THIS ACT IS A SCAM.

I HAVE PROVIDED WITH THIS LETTER , EMAILS I HAD SEND TO SNAP *********** PRIOR TO REPORTING THIS CASE TO BBB FOR FRAUD, TO PROOF THAT SNAP *********** REFUSING TO PAY ME BACK THE $700 I HAD PAID THEM FOR THE 7 **** CASES THEY HAD ABRUPTLY TERMINATED WAS AN ATTEMPT TO GET BACK AT ME FOR COMPLAINING ABOUT THEIR BAD CUSTOMER SERVICE; IN THE SENSE THAT THEY DELAYED IN SENDING ME THE REIMBURSEMENT FOR THE PAYMENT THEY HAD RECEIVED FROM THE FIRST **** CASE - **** SANGSTER I HAD PLACED IN THEIR CARE.
AGAIN, BBB SHOULD LOOK INTO THIS MATTER OF SCAM, BULLY AND FRAUD THAT SNAP *********** HAD DISPLAYED ALL ALONG.
I HOPE THAT BBB WILL DO SOMETHING ABOUT THIS AS I PATIENTLY WAIT TO GET MY FULL REFUND BACK FROM SNAP *********** FOR THE $700 THAT I HAD PAID THEM IN ADDITION TO THE ALREADY 1 ESTABLISH CASE, TO MAKE THIS **** CASE 8 CASES.

JUST TO REITERATE, I PAID SNAP *********** $800 IN TOTAL TO WORK ON RETRIEVING 8 **** CASES.
THE LAST 7 **** CASES WAS ADDED AFTER THE FIRST 1 **** CASE WAS TURNED IN TO SNAP ***********.
IN THE COURSE OF GETTING THE MONTHLY REIMBURSEMENT FOR THE 1 CASE I FIRST INITIATED WITH SNAP **** COLLECTION OFFICE, THERE WERE SEVERAL DELAYS IN MAKING PAYING TO MY ACCOUNT FROM SNAP *********** TO REMIT THE PAYMENT THEY HAD RECEIVED FROM MY TENANT WHO WAS OWING ME, I MADE THIS CUSTOMER DISSATISFACTION KNOWN TO SNAP *********** AND THEY DECIDED TO TERMINATE MY OTHER 7 ONGOING **** COLLECTION CASES I HAD PAID THEIR OFFICE TO WORK ON WITHOUT REFUNDING ME BACK THE $700 I HAD PAID THEM TO WORK ON THESE 7 **** COLLECTION CASES.
THIS ACT OF ABRUPTLY TERMINATING CLIENT AGREEMENT I HAD EXPERIENCE FROM SNAP *********** WITHOUT MY LEGAL CONSENT TO THIS AND SNAP *********** REFUSING TO PAY ME BACK THE 7 **** SERVICE MONEY I HAD PAID THEIR OFFICE TO WORK ON THESE 7 ****S CASES IS NOT RIGHT.
SNAP *********** OPERATING A FRAUDULENT, SCAM AND DICTATORSHIP BUSINESS NOT WANTING ME TO ASK THEM ABOUT WHY THE PAYMENT REIMBURSEMENT FOR THE OTHER **** CASE I HAD PLACED IN THEIR CUSTODY WAS LATE AND WHY THE DELAY IN SENDING THE CHECK FOR THE MONEY THEY HAD ALREADY RECEIVED FROM MY TENANTS AND USING THIS AS A SILLY EXCUSE TO TERMINATE THE ONGOING 7 **** CASES IS ILLEGAL AND FRAUDULENT.

I HAD ATTACHED ALL THE EMAILS I HAD SENT TO SNAP *********** ABOUT THE FIRST **** CASE, WHICH SNAP **** FAILED TO ACKNOWLEDGE AND WAS USING AS A WAY TO TERMINATE THE OTHER ONGOING 7 **** COLLECTION CASES I
HAD PLACED IN THEIR CARE.

THREAT MESSAGE WE HAD RECEIVED FROM SNAP *********** - THEIR TEAM LEADER ***** ON JANUARY 22ND 2024, CLAIMING THAT OUR OFFICE WOULD HAVE TO PAY SNAP **** IF WE DECIDED OR WANT TO TERMINATE THE ONGOING CONTRACT AGREEMENT WITH SNAP ***********.

DUE TO THE BAD CUSTOMER SERVICE AND IRREGULARITIES WE HAD RECEIVED FROM SNAP ***********,  ON JAN 22ND 2024,  WE REQUESTED TO TERMINATE THE CONTRACT AGREEMENT WE HAD WITH SNAP ***********, BUT OUR REQUEST WAS TURNED DOWN BY SNAP *********** AND THEY ARE THREATENING US WITH A FINE IF WE TERMINATE OR CANCEL THE ONGOING CONTRACT WE HAD WITH THEIR OFFICE THEN,. THIS WAS PRIOR TO US PAYING SNAP ***********

AN ADDITION OF $700 FOR THE 7 CASES THAT WAS ABRUPTLY TERMINATED BY SNAP ***********.

EMAIL ABOUT THE RUDE RESPONSE WE HAD RECEIVED FROM ***** ONE OF THE SNAP **** TEAM

SEE ATTACHED DOCUMENTS FOR PROOVE

SOME OF THE EMAILS WE HAD SENT TO SNAP *********** ABOUT THE DELAY IN PAYMENT WE HAD EXPERIENCE WITH THEM WHICH SNAP *********** USE AGAINST US TO ABRUPTLY TERMINE THE OTHER 7 **** CASES WE HAD PAID THEM TO WORK ON FOR US. SNAP *********** HAVE FALSELY CLAIMED THAT THEY TERMINATED THE 7 ONGOING **** COLLECTION CASES DUE TO OUR OFFICE ISSUE, HOWEVER BELOW ARE THE EMAILS WE HAD SENT AND RECEIVED TO PROVE THAT SNAP **** COLLECTOR TERMINATED THE 7 ONGOING **** CASES BASED ON FALSE ACCUSATION AND THEY TERMINATED IT BECAUSE WE HAD COMPLAINED ABOUT THEIR BAD CUSTOMER SERVICE.

OTHER CASE

PROOF OF ONGOING **** CASES THAT WERE TERMINATED ABRUPTLY BY SNAP *********** WITHOUT OUR OFFICE MUTUAL AGREEMENT OR CONSENT
Initial Complaint
Date:10/23/2024
Type:Product 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.
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
Date: 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
Date:10/17/2024
Type:Customer Service 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.
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
Date: 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
Date:10/10/2024
Type:Billing 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.
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
Date: 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 Answer
Date: 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 Answer
Date: 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
Date: 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 Answer
Date: 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
Date:10/03/2024
Type:Billing 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.
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
Date: 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 Answer
Date: 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
Date: 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
Date:09/17/2024
Type:Billing 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.
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
Date: 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.

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Snap Recovery, Inc. is BBB Accredited.