Why does she do nothing in class and complain that she doesn't understand?

Sounds to me like a negative cycle.
Does not understand. Following becomes more difficult. Interest drops. Feels pointless. Lack of trying leads to not understanding, leads to lower motivation. If you lack the relevant knowledge to make sense of a presentation this is exactly what I would expect.
Her conplaining at the quiz parts is Good! It means she has not given up completely and still wants to understand things. I get how it is not fun for you or the professor but realistically she is missing some prior knowledge on the subject.
Seems her parents are paying for her, so she doesn't have any urgency.
If she doesn't wanna pay attention, then so be it. But don't blame the prof for not "teaching right" when she's the one constantly on Snapchat in class.
Don’t worry she won’t be there long, seen it a lot in college.
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