Total CFPB complaints
34
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 34 complaints
Snap Recovery, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 17 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Snap Recovery, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
14 complaints
- Took or threatened to take negative or legal action 5
Took or threatened to take negative or legal action
5 complaints
- False statements or representation 4
False statements or representation
4 complaints
- Written notification about debt 4
Written notification about debt
4 complaints
- Threatened to contact someone or share information improperly 2
Threatened to contact someone or share information improperly
2 complaints
- Electronic communications 2
Electronic communications
2 complaints
D
Grade D · 56.1/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Snap Recovery, Inc.?
Snap Recovery, Inc. has accumulated 34 total CFPB complaints across 17 states, with 18 filed in the most recent 12 months against 16 historical complaints before that window. The trailing-12-month volume represents 52.9% 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", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 94% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 17 states, led by Florida with 10 and California with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.1/100 places Snap Recovery, Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
18
52.9% of total history
Rising ↑
States active
17
Distinct state filings
Timely response rate
94%
Within CFPB SLA window
Reputation grade
D
56.1/100 composite
Response-quality profile
How Snap Recovery, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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?
Snap Recovery, Inc. National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2021-10 2026-02
Top Consumer Issues
Attempts to collect debt not owed14 (%)
Took or threatened to take negative or legal action5 (%)
False statements or representation4 (%)
Written notification about debt4 (%)
Threatened to contact someone or share information improperly2 (%)
Electronic communications2 (%)
Communication tactics1 (%)
Most common issue: Attempts to collect debt not owed — Debt was result of identity theft
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt was result of identity theft | 6 |
| Attempts to collect debt not owed | Debt is not yours | 6 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 5 |
| False statements or representation | Attempted to collect wrong amount | 4 |
| Written notification about debt | Didn't receive enough information to verify debt | 3 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 2 |
| Electronic communications | You told them to stop contacting you, but they keep trying | 2 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
| Communication tactics | Used obscene, profane, or other abusive language | 1 |
Where do complaints against Snap Recovery, Inc. come from?
The states where consumers have filed the most CFPB complaints against Snap Recovery, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Snap Recovery, Inc.
Across 17 states with at least one filing
- Florida
Florida
10 complaints
- California
California
4 complaints
- New York 2
New York
2 complaints
- Georgia 2
Georgia
2 complaints
- Texas 2
Texas
2 complaints
- Illinois 2
Illinois
2 complaints
- Washington 2
Washington
2 complaints
- Arizona 1
Arizona
1 complaints
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 18 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). This collector has a poor complaint record with above-average complaints and below-average response rates.
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).
What can I do if Snap Recovery, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Snap Recovery, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |