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This profile includes reviews for Home Acceptance Corporation's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Home Acceptance Corporation

  1061 N Kraemer Pl Ste G Anaheim, CA 92806-2612

  
• 

  Home Acceptance Corporation

  PO Box 729 Placentia, CA 92871-0729

  

Review Details

• Review fromDeonna C

  Date: 09/25/2024

  1 star
  Home acceptance is fraud **** do nothing for you except take your money and but you in a lien with the *** i still and always will owe the money until it is paid back per the *** There is no such thing as *** fresh start programs They take advantage of people who are struggling and trying to do the right thing
  

  Home Acceptance Corporation

  Date: 09/27/2024

  On September 1, 2023 *** ******** engaged the services of ************** to help her with the ***. ************** is a retail merchant that is in the business of preparing tax filings and negotiating on behalf of consumers with the *** and state taxing authorities. *** ******** did not pay cash for the services she purchased, Instead, she chose to apply for retail installment loan credit to finance her purchase. She submitted a credit application seeking approval of the amount she chose to finance. In her credit application *** ******** authorized the access, ordering, gathering, updating, reviewing and use of her credit information by the retailer merchant and its assigns/transferees as well as the sharing of her confidential information. Her application for retail installment loan credit was approved by ************** The financing of her purchase was accomplished through a Retail Installment Contract (RIC) she executed that same day. That RIC was subsequently assigned and transferred to Home Acceptance Corporation (HAC) by *************** *** ******** was sent a Notice of Assignment letter from HAC notifying her that the *** had been transferred by ************* to HAC. The Notification of Assignment letter requested *** ******** to inform HAC if she had any dispute with the assignment or any information about her *** account within 30 days of the date of the Notice of Assignment letter mailed to her by HAC. *** ******** never submitted a dispute to ***. As notified in the Notice of Assignment letter, HAC is a finance company whose business is purchasing sales finance contracts from retail merchants. Before *** accepted the assignment of the contract, at 4:05 P.M. on September 1, 2023, **** representative called *** ******** and spoke with her on the telephone. *** ******** consented to a recording of the call. During the recorded call, **** representative informed *** ******** who HAC was, and that her RIC had been assigned by ************* to *** and the purpose of the call. The representative reviewed all the terms of the *** with her. *** ******** explained that she had engaged ************* to help her with her IRS issues and that she decided to finance the cost of *** Rises services. *** ******** confirmed the amount, number and frequency of installment payments she owed and confirmed that they were to be set up to pay via ACH. *** ******** additionally confirmed that she understood HAC was simply the assigned finance company and that no tax or other services were being provided by ***. *** ******** was informed that if there were any questions she might have about the tax services being provided by *************, she should address those questions to the retail merchant, *************. *** only provided a means to finance for *** ******** her retail purchase from ************* HAC has nothing to do with preparing taxes or negotiating with the *** and *** has no say in what decisions *** ******** or *** Rise, *** made about her income tax situation with the IRS.Subsequent to reading the review posted by *** ******** with the BBB, HAC contacted ************** about *** ********* complaint. ************** provided a letter showing that the resolution they were able to negotiate with the *** on behalf of *** ******** allowed her to make no (zero) payments on her obligation while her financial condition remains as it was at the time the tax resolution was negotiated. Also included was was a Collection Statute Expiration Date for each obligation she owed. Apparently, that is a date when the period for the *** to collect those taxes expires. All that information was sent to *** ******** in writing by *************** Any questions or issues she may have had or has concerning their work should be addressed to *************. In the meantime *** ******** must pay HAC the money she promised and agreed to pay ***. *** made the funds available to her to finance the retail purchase she chose to make. Contrary to what *** ******** implies, HAC made no promises to her, HAC never had anything to do with the *** or any IRS fresh start program or anything else to do with her tax resolution situation.

• Review fromTequila P

  Date: 08/01/2024

  1 star
  Home Acceptance Corporation has some really inconsiderate representatives that work for them in the billing department. I was happy to start service with ******** food service and fridge. Unfortunately after a month I had helath issues and was unable to work. I was already past the return phase and i called customer service to inform them that i was out of a job. I spoke with *** who is i guess a manager from what she told me attempted to help me. I was able to make 1 full payment using my first and last check from the company i waa with for only a month. And then told her i was waiting on my disability from my car accident which does take time. On July 23rd, 2024 I was able to make a small payment to my food loan in the amount of $50. Using my debit card. I attempted to make a payment on my freezer as well though had to use ach debit for $50 on July 24th, 2024. I noticed that my bank was charged an unauthorized charge of $25 on July 26, 2024 using my debit card not by myself and then today Aug 1st, 2024 there was a $120 unauthorized charge using my ach account. When calling in to get this corrected I spoke with 2 representatives. One rep gave me the email for customer service and then I spoke with another representative in which I entered the call letting her know I was trying to reach my account rep. ******* of connecting me right away she continued to see what my problem was even though she could not help me to begin with. The rep started to get me irritated by the words she was speaking and then telling me that I need to be for real and out of frustration I told her to F off and hung up with was a waste of my time. I eventually got a hold of the account rep *** and before she could let me speak she wanted to have an attitude because I told the previous rep to F off. I told her that she was wrong and the company is wrong for withdrawing money out of people's account without authorization. She told me she can charge my accounts without my approval. Fraud all day

• Review fromBrandon D

  Date: 02/26/2024

  1 star
  I am writing this review to share my disappointing experience with Home Acceptance Corporation. Unfortunately, my encounter with this company has been nothing short of a nightmare.First and foremost, I was charged a staggering $6000 through a company affiliated with Home Acceptance Corporation for a cookware set that I ordered, thinking it would be maybe a couple hundred dollar loan. The transaction was shrouded in ambiguity, as I was not provided with clear details regarding the charges nor was I properly briefed on the terms of the loan.Upon realizing the exorbitant charge on my account, I promptly returned the cookware to the associated company, Pasanante, in hopes of resolving the issue. However, instead of addressing my concerns, I was given replacements that amounted to a mere fraction of the initial cost approximately $500 worth of items. This blatant disregard for fair compensation is deeply concerning and indicative of deceptive business practices.To add insult to injury, despite my attempts to rectify the situation by returning the items and expressing my willingness to settle the matter, Home Acceptance Corporation has resorted to legal action against me for non-payment. Despite their initial claim that the loan was tied to the items, they now refuse to accept the returned merchandise.The lack of transparency, coupled with the company's refusal to acknowledge their wrongdoing and cooperate in finding a resolution, speaks volumes about their integrity and commitment to customer satisfaction. I urge prospective clients to exercise caution when dealing with Home Acceptance Corporation, or Pasanante as my experience serves as a cautionary tale of hidden charges, unscrupulous practices, and a blatant disregard for consumer rights.In conclusion, my interaction with Home Acceptance Corporation has been nothing short of a harrowing ordeal, and I implore others to steer clear of this company to avoid falling victim to similar injustices.
  

  Home Acceptance Corporation

  Date: 04/18/2024

  In October of 2021 ************** purchased a large gourmet food order and a freezer from ***************************** (***********). They chose to finance their purchases rather than pay cash. To do so they entered into written Retail Installment Contracts (***) with ***********. In addition to the financing terms, among other terms, the contracts contained a three day right of rescission. The ***s did not exercise the right of rescission, but went forward with their purchase after that cooling off period. Shortly thereafter, *********** assigned the ***s to Home Acceptance Corporation (HAC). HAC is a finance company that purchases ***s from numerous merchants in many different lines of business. *********** is one of those merchants. They have thousands of satisfied customers and have an A+ rating with the BBB. Prior accepting assignment of the **** *** spoke with Mrs. *** on the telephone. We confirmed with her that she understood and agreed to all the terms of the ***s including the monthly payment amount, the due date and the number of payments. We also asked if she was happy with all the items she received from ***********. She confirmed that she was. Relying on that, HAC went ahead with the purchase of the ***s. *** then sent the ***s a Notice of Assignment letter. The letter informed them that *********** had assigned and transferred its *** with them to HAC; it gave them notice of the *** account balance, the scheduled monthly payment amount and the next payment due date. Additionally, it requested them to inform *** in writing within 30 days from the date of the Notice of Assignment if the *** account information was inaccurate or if they had any dispute related to the *** or their purchase so that any conflicts could be resolved. They never submitted a dispute as requested in the notice of assignment letter. The ***s made their monthly payments as agreed.Then, 7 months later, in May of 2022, the ***s placed a second order with ***********. In addition to another large gourmet food order, they purchased other items which included a 24 piece set of stainless steel cookware. Again, the ***s chose to finance their purchase and executed ***s to do so. Those ***s also contained the three day right of rescission which the ***s did not exercise. HAC went through the same welcome and confirmation procedure prior to purchasing the new ***S. We again spoke with Mrs. ***. She confirmed each term of the contracts and assured us that she was happy with everything that was delivered. HAC purchased the ***s. HAC sent the Notice of Assignment letter again providing them with the 30 day dispute provision. The ***s never submitted a dispute. The ***s began making their monthly payments on the new ***s. Months later, in August of 2022, apparently the ***s decided they did not want the cookware set anymore and called *********** asking for an exchange. Contrary to what Mr. *** states in his complaint, ***********, without any obligation to do so, offered to exchange the cookware for other items the ***s said they wanted would receive more satisfaction from and, in addition, offered to maintain a 50% lifetime discount off any future food purchases the ***s might make from *********** on the condition that the ***s reaffirm their obligations under the ***s and continue to make the monthly payments they had agreed in writing to make as set forth in the ***s. Apparently the ***s thought the offer was fair and satisfactorily addressed their concerns because they agreed to accept the offer from ***********. That offer was made in writing and accepted, in writing, by Mr. ***. Now, nearly one and a half years after he agreed to and accepted the offer in writing and accepted the exchange items and the discount from ***********, Mr. *** complains that his concerns were not addressed and the matter was not resolved. But the ***s did, in fact, accept the exchange products specified in the written settlement agreement and further ratified the settlement by making the monthly payments they agreed to make for several months. However, after a while, HAC began having some payments returned NSF. Eventually all payments stopped completely. HAC took every reasonable action to ensure the ***s understood and concurred with every term of their agreements. We gave them ample time to review and inspect the documents and the purchases they made. They assured us orally and in writing that everything was to their satisfaction. They assured us they would pay us for that financing of their purchases. HAC is and has been more than willing to work out a payment plan with the ***s. We made numerous attempts over several months through calls, mail, email and texts to work out arrangements with the ***s for them to be able to pay the amounts they agreed to pay to HAC. Those attempts were stonewalled with silence. The ***s refused to keep their written promises. They were informed that if they continued to refuse to pay, *** would have no choice but to pursue legal action to collect the amount that HAC was owed. Unfortunately, the ***s refused to pay their accounts and refused to come to any reasonable arrangement to satisfy their debts. The accounts were charged off. *** then took the first steps in pursuit of the legal remedy the ***s forced upon *** to collect the money HAC is owed. It appears this review was filed not for legitimate purposes, but for the sole purpose of using the BBBs website as a foil to attempt to undo the written agreements promising to pay for what they purchased which the ***s entered into two years ago where they were given three business days to cancel those agreements for any or no reason, another ************************************************************** the products they purchased and where those agreements were again ratified in a written settlement agreement some 3 months later. Nevertheless, *** remains willing to discuss settling this matter with the ***s.

• Review fromEryn A

  Date: 11/30/2023

  1 star
  The food is great! The financial group is horrendous to work with, and I am only on my first month! As a USMC Disabled Veteran, I receive my pay on the 1st of the month, (once per month, within the first 3 days of the month), we were pressured to get the delivery at a time that would cause our account to continually be past due. I called the company on three occasions, (once after receiving incomplete account info needing clarification, once a week or so later for the same reason, and my third call was after I received a statement for the freezer, but not the food). NO TETURN PHONE CALLS FROM THEM. But low and behold, after my first phone interaction with them on 10/6/23, when she had stated she would note my account of the pay date issue, I received a text threatening a late fee! I called to discuss and this time was met with a person on the other end of the line. After receiving ALL account information, thinking I was good to pay after my pay arrived, I received a phone call stating it was very important that I return the call, which I did immediately, and was informed that it was a courtesy call reminding me of my payment that was past due! SERIOUSLY??? I have 40+ years in the accounting field, focusing on accounts receivables and payables and have one question to ask do these people NOT note account with the interactions with their customers??? Sadly, it has put a severe bitter taste in my mouth for dealing with this food delivery company, hoping to find a farm to table delivery!
  

  Home Acceptance Corporation

  Date: 12/04/2023

  Our standard procedure when setting up a new account is to set the first payment due date for 30 days from the date the consumer took delivery of the goods and services. In this case ************ desired to have her due date coincide with the date she receives her paycheck instead. That information was not entered into our billing system which caused the reminder notice to be sent to her. We apologize for failing to change the payment due date which would have precluded the notice from being sent. The due date has now been changed on both accounts to the first of the month. Confirmation of the change has been sent to ************. Please accept our apology
  

  Home Acceptance Corporation

  Date: 02/28/2024

  In October of 2021 ************** purchased a large gourmet food order and a freezer from ***************************** (***********). They chose to finance their purchases rather than pay cash. To do so they entered into written Retail Installment Contracts (***) with ***********. In addition to the financing terms, among other terms, the contracts contained a three day right of rescission. The ***s did not exercise the right of rescission, but went forward with their purchase after that cooling off period. Shortly thereafter, *********** assigned the ***s to Home Acceptance Corporation (HAC). HAC is a finance company that purchases ***s from numerous merchants in many different lines of business. *********** is one of those merchants. They have thousands of satisfied customers and have an A+ rating with the BBB. Prior accepting assignment of the **** *** spoke with Mrs. *** on the telephone. We confirmed with her that she understood and agreed to all the terms of the ***s including the monthly payment amount, the due date and the number of payments. We also asked if she was happy with all the items she received from ***********. She confirmed that she was. Relying on that, HAC went ahead with the purchase of the ***s. *** then sent the ***s a Notice of Assignment letter. The letter informed them that *********** had assigned and transferred its *** with them to HAC; it gave them notice of the *** account balance, the scheduled monthly payment amount and the next payment due date. Additionally, it requested them to inform *** in writing within 30 days from the date of the Notice of Assignment if the *** account information was inaccurate or if they had any dispute related to the *** or their purchase so that any conflicts could be resolved. They never submitted a dispute as requested in the notice of assignment letter. The ***s made their monthly payments as agreed.Then, 7 months later, in May of 2022, the ***s placed a second order with ***********. In addition to another large gourmet food order, they purchased other items which included a 24 piece set of stainless steel cookware. Again, the ***s chose to finance their purchase and executed ***s to do so. Those ***s also contained the three day right of rescission which the ***s did not exercise. HAC went through the same welcome and confirmation procedure prior to purchasing the new ***S. We again spoke with Mrs. ***. She confirmed each term of the contracts and assured us that she was happy with everything that was delivered. HAC purchased the ***s. HAC sent the Notice of Assignment letter again providing them with the 30 day dispute provision. The ***s never submitted a dispute. The ***s began making their monthly payments on the new ***s. Months later, in August of 2022, apparently the ***s decided they did not want the cookware set anymore and called *********** asking for an exchange. Contrary to what Mr. *** states in his complaint, ***********, without any obligation to do so, offered to exchange the cookware for other items the ***s said they wanted would receive more satisfaction from and, in addition, offered to maintain a 50% lifetime discount off any future food purchases the ***s might make from *********** on the condition that the ***s reaffirm their obligations under the ***s and continue to make the monthly payments they had agreed in writing to make as set forth in the ***s. Apparently the ***s thought the offer was fair and satisfactorily addressed their concerns because they agreed to accept the offer from ***********. That offer was made in writing and accepted, in writing, by Mr. ***. Now, nearly one and a half years after he agreed to and accepted the offer in writing and accepted the exchange items and the discount from ***********, Mr. *** complains that his concerns were not addressed and the matter was not resolved. But the ***s did, in fact, accept the exchange products specified in the written settlement agreement and further ratified the settlement by making the monthly payments they agreed to make for several months. However, after a while, HAC began having some payments returned NSF. Eventually all payments stopped completely. HAC took every reasonable action to ensure the ***s understood and concurred with every term of their agreements. We gave them ample time to review and inspect the documents and the purchases they made. They assured us orally and in writing that everything was to their satisfaction. They assured us they would pay us for that financing of their purchases. HAC is and has been more than willing to work out a payment plan with the ***s. We made numerous attempts over several months through calls, mail, email and texts to work out arrangements with the ***s for them to be able to pay the amounts they agreed to pay to HAC. Those attempts were stonewalled with silence. The ***s refused to keep their written promises. They were informed that if they continued to refuse to pay, *** would have no choice but to pursue legal action to collect the amount that HAC was owed. Unfortunately, the ***s refused to pay their accounts and refused to come to any reasonable arrangement to satisfy their debts. The accounts were charged off. *** then took the first steps in pursuit of the legal remedy the ***s forced upon *** to collect the money HAC is owed. It appears this review was filed not for legitimate purposes, but for the sole purpose of using the BBBs website as a foil to attempt to undo the written agreements promising to pay for what they purchased which the ***s entered into two years ago where they were given three business days to cancel those agreements for any or no reason, another ************************************************************** the products they purchased and where those agreements were again ratified in a written settlement agreement some 3 months later. Nevertheless, *** remains willing to discuss settling this matter with the ***s.

• Review fromShantasia J

  Date: 07/20/2023

  1 star
  I had an account with another ********************** that was bought out by home acceptance corporation. Prior to this buy out I never had anything from this company on my credit report until the transfer. I had no knowledge of the transfer also I did not sign any credit application for this company. When I called (the first time) I was met with rudeness and sarcasm. I told the customer service agent that I didnt authorize this and that I did not want this to report and also I asked well if I have this supposed loan with you all why cant I spend the rest of the money. It was a $4,000 credit limit but I only used ***** or less. She explained thats not how that worked. I have plenty of credit lines and I am able to use what is awarded to me on my limit. The Second time I called I was met with a little kindness and a lot of sarcasm as well. By this time I was not paying my bill. I continued to look into this company and it did not add up or make sense, especially with the numerous reviews stating the activity that goes on with this company. I asked the gentleman who gave me the name **** to send me through email my credit application because even he said he had it on file and it was one from the other company. I specifically told him if that is true I would gladly pay my bill, I need the proof. He gave me the email to request the forms and I sent the email. As of 07/20/2023. I have yet to receive those documents. I was met with a very rude email today demanding payment or my case will go to collections. I will have to escalate this matter to a lawyer and see if this can get resolved. This company is a scam.
  

  Home Acceptance Corporation

  Date: 07/26/2023

  We sent the customer the information she requested. Because some of the documentation contained sensitive and personally identifying information it was sent in a protected format. Instructions were sent by separate correspondence to decrypt the file. The consumer called and explained she was having trouble with the decryption, but then later was able to access all the documents we sent. The documents clearly confirm she owes the money to Home Acceptance that she was billed. We have not yet heard back from the consumer since then.

• Review fromMichele W

  Date: 11/15/2022

  5 stars
  I got a loan from Home Acceptance corp. about 3 years ago. I was going through a financial hardship and needed money fast. They were able to get me the loan only 2 days after completing all the paperwork. They gave me an affordable rate to where I was able to pay off the loan in a timely manner. I did miss a payment here or there but I made sure I communicated with them to let them know that my payment will be late. My credit score was really low, now that I paid off my loan it has gone up! Every time I called I had great customer service. Thank you Home ********************** for all that you did for me!