Snap Finance, LLC

We are sorry to hear about Ms [redacted] experience with Snap FinanceMs [redacted] account was paid in full on October 11, Snap Finance did report the missed returned payment to a consumer reporting agency, but the reported missed payment should not affect her credit score in any significant wayIf Ms [redacted] has additional questions about how Snap Finance reports information to consumer reporting agencies she can contact us at 877-557-

We are sorry to hear about Ms [redacted] ’s experience with Snap FinanceSnap Finance offers consumers rental-purchase agreements which is a form of a lease Snap Finance does not charge consumers interestHowever, rental charges are calculated into each periodic payment, but these charges are waived if the cash price is paid in full within DaysMs [redacted] ’s agreement is for a total term of months with options to obtain ownership early, a Day Cash Payoff Option and an Early Buyout DiscountAll terms and costs associated with the agreement were clearly disclosed on the agreement and in our initial communication with herSnap Finance operates within the laws set by GeorgiaWe are happy to work with Ms [redacted] on a resolution to her concernsIf she would like to take advantage of our Early Purchase option she can do so by calling ###-###-####

Complaint: [redacted] I am rejecting this response because: on March 10th the day the payment was due I called and asked for the payoff amount and paid it in full There was no Miss paymentSo nothing should have been reported at all Also they are showing that my balance started out as a thousand when it was only $and they threatened even for me to return the tires that I paid for in full so it does affect my credit and I didn't do anything wrong they were paid and I should have got a good start for that nothing more and that's what I deserve especially since they are saying I owed a thousand when I didn't finance that amount the whole thing is messed up and I want it all cleared up and on my credit report show that it was all paid in a timely matter in full on time like it was Sincerely, [redacted]

More and more people will be issued financing with hiden fees and failure to disclose issues Complaint: [redacted] I am rejecting this response because: Sincerely, [redacted]

We are sorry to hear about Mr [redacted] ’ experience with Snap FinanceSnap Finance offers customers the ability to obtain ownership early with a Day Cash Payoff and after an Early Buyout DiscountMr [redacted] ’ Day Cash Payoff expired on May 25th, On January 26th Mr [redacted] took ownership of the merchandise by taking advantage of the Early Buyout DiscountThere were no fees added to his accountSince Mr [redacted] has taken ownership of the merchandise any replacements or warranty issues should be handled directly with the merchant he obtained them fromIf Mr [redacted] has any additional questions about his account with Snap Finance, he can contact us at 877-557-

We are sorry to hear about Ms [redacted] ’s frustrations with Snap FinanceWe have been in contact with her and we were able to resolve her concernsIf she has additional questions about her account, she can reach us at 877-557-

We are sorry to hear about Ms***’ experience with Snap FinanceWe have attempted to reach out to her but have been unsuccessfulHowever, we are happy to assist herWe have refunded her the $dollars she requestedIf she has any other additional questions she can contact us at 877-557-

Complaint: [redacted] I am rejecting this response because:since the representative didn't disclose a payment that was in process for the following day, I was charged more than what was disclosedI stand by my initial request that I should be refunded the amount the company fraudulently debited my account Sincerely, [redacted]

We are sorry to hear about Mr [redacted] ’s experience with Snap Finance and one of our merchant partnersWe have been in contact with him and are working towards a resolution that will be satisfactory to himIf he has any questions about his account he should reach out to the representative he spoke with on the phone today

We are sorry to hear about Mr [redacted] ’s experience with Snap FinanceWe are sorry he experienced long hold times on the phoneWe have recently experienced higher call volumes than normal, and are working to bring them within manageable levelsMr [redacted] entered into a rental-purchase agreement All terms and conditions were clearly disclosed in his agreementEach rental-purchase agreement is for a total period of monthsWe provide customers the option to obtain ownership early by providing them a Day Cash Payoff and after expiration an Early Buyout Discount where the customer only has to pay a percentage of the remaining paymentsCustomers must contact us if they would like to exercise one of their early buyout optionsWe also provide customers a clear summary of their costs and terms before they sign the agreement.We do not offer monthly statements at this time; However, we are happy to provide customers with a summary of payments if they requestWe are sorry that this was not a satisfactory solution for Mr [redacted] Mr [redacted] took advantage of his early buyout discountIf he has any additional questions we are happy to answer themHe can contact us via chat, Facebook messenger or by phone at 877-557-

We are sorry to hear about Mr [redacted] ’s experience with Snap FinanceMr [redacted] entered into a lease-purchase agreement with Snap Finance on December 1st We have been working with Mr [redacted] and have reached a resolution that is satisfactory to himIf he has any other additional questions he can contact us at ###-###-####

Complaint: [redacted] I am rejecting this response because: I was not told by [redacted] or Snap Finance that my purchase was a lease agreement Upon my last conversation with the owner at [redacted] he assured me that my purchase was just that, a purchase and not a lease agreementI did not speak with anyone at Snap Finance at any time up to August when I called to see why they were still taking payments out of my accountThere is no way that I would have knowingly agreed to pay more than 100% interest on a purchaseThe original purchase was plus taxThey are trying to charge me over a in interest feesI have never heard of anything like this I opened the account online for the credit by filling in the information that I was asked forAt that time I was provided with the credit limitI never received anything about a lease agreementI have never received anything in my email from SNAP finance, and I was not informed about a lease agreement until I called them August I have paid for the equipment in full and I do not owe them anything elseIt would be foolish for me to continue to pay them and then return the equipment minus Shame on SNAP finance and shame on [redacted] ***Revdex.com please help me to protect my consumer rights Sincerely, [redacted] ***

We are sorry to hear of the negative experience Ms [redacted] had with Snap FinanceWe have reached out to Ms [redacted] and have resolved her concerns to her satisfactionWe appreciate the feedback she provided us and will use it to improve the experience for our future customers

We are sorry to hear about Ms [redacted] ’s frustrations with Snap FinanceOne of our representatives made an agreement with her to bring her account current for $It is our understanding that this arrangement caused her account to become overdrawn and charged overdrawn feesShe contacted us claiming she did not authorize the paymentWe communicated to her that we would be happy to refund the payment and take care of any overdrawn fees as long as she provided us a valid bank statementShe did provide a “statement” but the information on the document did not meet our requirements for us to authorize a fee refundAdditionally, An Investigation into her bank account revealed that her Financial Institution only charges $for an overdrawn feeThis dollar amount was also verified by an employee of her Financial InstitutionThe fee amounts listed on the document she provided were significantly higherWe are happy to refund her any fee that was charged to her account in connection with her Snap Finance payment, as long as we receive a valid bank statement from her Financial Institution with the associated fee chargesIf she has additional questions about her account with Snap Finance, she can contact us at 877-557-

We are sorry to hear about the negative experience Ms [redacted] has had with Snap FinanceWe have made multiple attempts to get in contact with her to resolve her concern, but were unsuccessful in contacting herWe would love the opportunity to resolve her concernsShe can contact us at 877-557-where she will be directed to a specialized representative to assist her

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because:The customer service was very unprofessional, very rude people, and to downgrade me and tell me I never paid them , to speak to me the way they did is unacceptable ! Finally after contacting the Revdex.com they were able to see my payments , seems like they are a rip off and try to get more money out of people! Sincerely, [redacted]

We are sorry to hear about the experience Mr [redacted] had with Snap FinanceWe have been in contact with him and have offered a refund of his payment and to reschedule it for a later dateIf he has any additional questions he can contact our customer service department at 877-557-3769, or he can call the representative he was working with

We are sorry for the confusion Ms [redacted] is having with her Snap Finance accountMs***’ rental-purchase agreement with Snap Finance is for monthsSnap Finance provides options to obtain ownership early, a Day Cash Payoff Option and an Early Buyout DiscountTo take advantage of the Day Cash Payoff Option consumers must contact Snap Finance to make payment arrangementsMs [redacted] minimum payment is $ [redacted] semimonthly and she did not arrange to adjust her payments or indicate that she wanted to take advantage of the Day Cash Payoff OptionShe can still take advantage of the Early Buyout Discount where she can get a 30% discount off the remaining balanceIf she has any additional questions or concerns about her account or would like to take advantage of the Early Buyout Option, she can reach our customer service department at ###-###-####

We are sorry to hear about Ms [redacted] concerns with her Snap Finance agreementWe have made multiple attempts to get in contact with her and her husband and have been unsuccessful in reaching themMs [redacted] and her husband signed a rental-purchase agreementThe agreement was for a total of months with payments of $every other weekSnap Finance offers all customers two Early Purchase OptionsA Day Cash Payoff Option where all lease charges are waived, and after expiration, an Early Buyout Discount where they only have to pay a percentage of the remaining paymentsCustomers must call us to make payment arrangements if they wish to take advantage of one of our early payoff optionsUnfortunately, Ms [redacted] Day Cash Payoff Option expired on June 15, At that time, she had only paid $towards her balanceThe Day Cash Payoff Option is no longer available to herHowever, she can still take advantage of our Early Buyout DiscountIf she would like to take advantage of the Early Buyout Discount she must call us at 877-557-