This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 34 complaints

Snap Recovery, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 17 states, reputation grade D.

Complaints by issue type

What consumers report about Snap Recovery, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 56.1/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Snap Recovery, Inc. ranks ahead of 29% of the 5,283 collectors PlainCollector grades - 71% keep a cleaner CFPB record, on 34 all-time complaints and a 94% timely-response rate.

29th pct
reputation rank of 5,283 graded collectors
34
CFPB complaints, all-time
94%
answered inside the CFPB window
14
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Snap Recovery, Inc.?

Snap Recovery, Inc. has accumulated 34 total CFPB complaints across 17 states, with 14 filed in the most recent 12 months against 20 historical complaints before that window. The trailing-12-month volume represents 41.2% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt was result of identity theft". The company posts a 94% timely-response rate.

Complaints have been recorded across 17 states, led by Florida with 10 and California with 4. Normalized against the full CFPB collector database, the reputation score of 56.1/100 places Snap Recovery, Inc. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

34

low-volume (CCDB)

Last 12 months

14

41.2% of all-time complaints

Rising ↑

States active

17

regional footprint

Timely response rate

94%

good band

Reputation grade

D

56.1/100 composite

How does Snap Recovery, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

56 29th percentile higher than 29% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Snap Recovery, Inc. versus the debt-collection vertical average.

Timely response within SLA 94.1%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

State coverage breadth 30.4%

Share of US states + territories with at least one filed complaint against this collector.

How does Snap Recovery, Inc. compare to its peers?

How does Snap Recovery, Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Snap Recovery, Inc. National average
Complaints (last 12 mo)lower is better
14
25
268
Timely-response ratehigher is better
94%
100%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2025-06 2026-02

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 14
Took or threatened to take negative or legal action - 5
Written notification about debt - 4
False statements or representation - 4
Electronic communications - 3
Communication tactics - 2
Threatened to contact someone or share information improperly - 2

Where do complaints against Snap Recovery, Inc. come from?

Snap Recovery, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Snap Recovery, Inc.

Across 17 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Snap Recovery, Inc. contacts you

A grade of D signals how Snap Recovery, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Snap Recovery, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Snap Recovery, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Snap Recovery, Inc.? ▼

The most common issue consumers report about Snap Recovery, Inc. is "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This is based on 34 complaints filed with the CFPB.

Are complaints against Snap Recovery, Inc. increasing or decreasing? ▼

Complaints against Snap Recovery, Inc. are rising. The company received 14 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Snap Recovery, Inc.'s reputation grade? ▼

Snap Recovery, Inc. has a reputation grade of D (score: 56.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Snap Recovery, Inc. respond to consumer complaints? ▼

Snap Recovery, Inc. has a 94% timely response rate to CFPB complaints.

In how many states does Snap Recovery, Inc. operate? ▼

Snap Recovery, Inc. has received CFPB complaints from consumers in 17 states, with the most complaints from Florida (10 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.