Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:08/02/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They overcharge over 100% of interest of the amount borrowed.

  

  Business Response

  Date: 08/06/2025

  Acima Leasing (hereinafter “we,” “us,” “our”) received the complaint filed by Mr. ***** ***** through the Better Business Bureau (“BBB”) on August 2, 2025, regarding the total of payments. We provide the following response. 
  
  Acima Leasing offers lease-to-own services wherein customers may be approved to select property from retailers valued at up to a specific amount. Acima Leasing then purchases the property directly from the retailers on behalf of our customers, and customers enter into rental-purchase agreements wherein they agree to make lease payments to Acima Leasing until they either purchase the property or terminate the lease-purchase agreement. Customers may purchase the property or terminate the lease-purchase agreement at any time during the lease period by exercising a purchase option or following the termination instructions contained within the rental-purchase agreement. 
  
  
  Mr. ***** alleges “[We] overcharge over 100% of interest of the amount borrowed.” We note that the Agreement does not have interest. The Total of Payments was set at the initiation of the Agreement, and did not change throughout the course of his Agreement. 
  
  Ms. *****'s desired resolution is a refund. Please note, Mr. ***** elected to utilize Acima Leasing Leasing’s services. As such, he agreed to pay the cost of our services, in addition to the cost of the Property that he would have paid had he purchased the merchandise from the Retailer directly. As such, we confirm Mr. ***** is not entitled to a refund.  Mr ***** may reach out to our customer service department at (**** ******** with further questions. 

  Customer Answer

  Date: 08/06/2025

  
  
  Complaint: 23692258
  
  
  
  I am rejecting this response because:  Overcharge from the original amount. 
  
  
  
  Sincerely,
  
  
  
  ***** *****

• Initial Complaint

  Date:07/28/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Used this company to buy tires and wheels for my jeep. 90 days same as cash. Great deal unless they decline your payment for “insufficient” funds when there is plenty of money in the account. Of course it only declined on the final payoff amount! Now they want to keep charging me every 2 weeks!

  

  Business Response

  Date: 07/30/2025

  Acima Leasing (hereinafter “we,” “us,” “our”) received the complaint filed by Ms. ******* ****** through the Better Business Bureau (“BBB”) on July 28, 2025, regarding her purchasing her lease. We provide the following response. 
  
  Ms. ****** alleges Acima Leasing offers a same-as-cash-option. This is incorrect. Acima Leasing does not offer a same-as-cash purchase option, nor do we advertise our early-purchase options as such. Acima Leasing does offer two early-purchase options, the first of which may be utilized within the first 90 days of the rental-purchase agreement (the “Agreement”) by paying the 90-day early-purchase amount, which is disclosed in paragraph 3 of Ms. ******’s Agreement titled, “Purchase Terms.” The 90-day early-purchase amount includes payment for use of our services. It is the nature of leasing services to charge customers for the use of such services. 
  
  Ms. ****** states that Acima “wants to keep charging me every 2 weeks!” We deny this allegation. As of June 26, 2019, Ms. ******’s lease has been purchased and reflected a $0 balance. We were unable to locate another lease associated with Ms. ******’s identifying information. 
  
  If Ms. ****** has any questions we encourage her to contact our customer service department at ***** ********. 

• Initial Complaint

  Date:07/28/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On July 28th I received a text message from acima leasing stating I owed $786 for an account I don’t have. I called and they gave me a number which turned out to be my( account) number. I submitted the claim and not more than a half an hour later I got the same message only for more money.

  

  Business Response

  Date: 07/30/2025

  Acima Leasing (hereinafter “we,” “us,” “our”) received the complaint filed by Mr. ******* ****** through the Better Business Bureau (“BBB”) on July 28, 2025, regarding a lease he did not apply for. We provide the following response. 
  
  Acima Leasing takes fraud allegations very seriously and conducts immediate investigations upon notification. Upon completing our investigation, we were unable to determine whether the lease in question was created as a result of fraud. We encourage Mr. ****** to file a police report and send a copy to ***************. Alternatively, Mr. ****** may provide us with a Federal Trade Commission Identity Theft Affidavit (“FTC Affidavit”) Upon receipt of the requested documentation, we will further investigate his allegation. If it is determined that this lease is, in fact fraudulent, we will take all necessary action. No further action will be taken while we await additional documentation. 
  
  As we are awaiting additional documentation, we consider this complaint closed. If Mr. ****** has any questions or concerns he may contact our customer service department by phone at (**** ********. 

• Initial Complaint

  Date:07/27/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I used Acima to pay for a car repair bill I didn't have the money for. My agreement was for a set amount to be deducted every two weeks on my payday. However, today July 27) Acima deducted an unauthorized amount for the second time. Today (7/27) they deducted $88.40 and on July 15 they deducted $10.89 - both without authorization. I'd like them to explain this and be held accountable. My other problem is I can't access my customer portal with the information they ask for (my phone number and the last 4 of my social.

  

  Business Response

  Date: 07/30/2025

  Acima Leasing (hereinafter “we,” “us,” “our”) received the complaint filed by Mr. Marlin ******** through the Better Business Bureau (“BBB”) on July 27, 2025, regarding payments coming out on unauthorized days. We provide the following response. 
  
  We confirm that Mr. ******** has a lease he applied for on April 2, 2025, he indicated his pay schedule as every other week on Friday. He also has another lease he applied for on July 14, 2025, wherein he indicates his pay schedule as weekly on Friday. While he has two separate leases, he can adjust his payment frequency by chatting or calling our customer service department at ************* 

• Initial Complaint

  Date:07/25/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I owed around $1500 to pay off my furniture and when I spoke to the guy on the phone he said that I will extend it it for 7 days. Meaning I have 7 days to pay off the remaining balance. I checked today to pay and it showed $5,113. I was so upset and I try calling but it was close today is the 6th day. My deadline is not done till tomorrow and thwyvalready jacked it up to that amount when I only owed $1500 thats really messed up. If anything this is scam by telling one thing and then going behind my back and adding charges when my deadline is tomorrow last day to pay my pay off. I may have to find a lawyer because I am not paying that amount. I had paid 1800 a 5 days ago and told him that if he can extend it he said he can only give me 7 days. So your telling me your adding that before Its 7 days. Scam all scam I will never use them for anything.

  

  Business Response

  Date: 07/30/2025

  Acima Leasing (hereinafter “we,” “us,” “our”) received the complaint filed by Ms. ******* ******* through the Better Business Bureau (“BBB”) on July 25, 2025, regarding the amount to purchase her lease. We provide the following response. 
  
  We confirm that the invoice total that the retailer submitted at the start of Ms. *******’s lease was $5112.34. As a courtesy to our customers, we offer two Early Purchase Options (“EPOs”); each of which reduces the cost of ownership and terminates the Agreement earlier than the rental period contained within. The first EPO is a 100-day EPO wherein Mrs. Henson may obtain ownership for less than the Total of Payments. We confirm that Ms. ******* utilized the 7 day extension and purchased her lease on July 19, 2025, for the cheapest option. We confirm that Ms. *******’s lease has been purchased for the correct amount and as such we will not grant her request of a refund. 
  
  If Ms. ******* has any questions we encourage her to contact our customer service department at ***** ********. 

  Customer Answer

  Date: 07/30/2025

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 23656363, and find that this resolution is satisfactory to me.i have paid my full balance and my account is closed. 
  
  
  
  Sincerely,
  
  
  
  ******* *******

• Initial Complaint

  Date:07/23/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had bought a few thing through Acima and one being 1x Lifetime 8 Ft. x 12.5 Ft. High-Density Polyethylene (Plastic) Outdoor Storage Shed with Steel-Reinforced Construction - $1654.99 . I had installed and it did not last and a small wind storm it came all apart . I would like this taken off since this was not good and to pay for something that didnt last a week ! I know I have a few other things that I had goton from them and I am fine with that . I would like this taken care of and work something out so I can start making payments on rest of stuff.

  

  Business Response

  Date: 07/28/2025

  If Mr. ****** would like to discuss return options we encourage him to reach out to our resolutions department at ************* 

• Initial Complaint

  Date:07/18/2025

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have notified Acima that I no longer want the leased item and made arrangements with their return department to have the item picked up. The company that is supposed to pick up the item for Acima is refusing to pick up the item because it does not benefit them. Rent-a- Center said because they can not sell the item they refuse to pick it up. I have made every effort to return this item to Acima and they refuse to do what they promise. The lease clearly states I can end the lease and return this item at any time. Yet Acima refuses to come pick it up trying to force me to pay for an item I no longer want

  

  Business Response

  Date: 07/28/2025

  If Ms. ***** no longer wants the merchandise, she can either return it to Acima, or donate it to a local non profit. At this point we recommend donating the merchandise, and submitting a donation receipt. We confirm that we have sent Ms. ***** an email explaining the donation process. If Ms. ***** has any further questions she may contact our recovery department at 801-297-1983. 

  Customer Answer

  Date: 07/28/2025

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 23622080, and find that this resolution is satisfactory to me. The item is awaiting pick up from a local charity. As Acima did not specify what organization I have chosen a local non-profit organization.
  
  
  
  Sincerely,
  
  
  
  ******* *****

• Initial Complaint

  Date:07/18/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Someone opened a account under my name and money was taken from my checking account 54.15 cents i did call my bank they cancelled my debit card and they are sending me a new card. I called Acime they don’t have a phone number for fraud department and i can’t find the fraud department on the website.

  

  Business Response

  Date: 07/21/2025

  Acima Leasing takes fraud allegations very seriously and conducts immediate investigations upon notification. Upon completing our investigation, we were unable to determine whether the lease in question was created as a result of fraud. We encourage Mr. ********** to file a police report and send a copy to [email protected]. Alternatively, Mr. ********** may provide us with a Federal Trade Commission Identity Theft Affidavit (“FTC Affidavit”) Upon receipt of the requested documentation, we will further investigate his allegation. If it is determined that this lease is, in fact fraudulent, we will take all necessary action. As we are awaiting additional documentation, we consider this complaint closed. 

• Initial Complaint

  Date:07/15/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am formally disputing the account listed under account number *********, which appears on my ********************** report. This account was opened without my permission and is the result of fraudulent activity. I have no memory of ever applying for or agreeing to any terms with ACIMA DIGITAL FKA SIMP.Pursuant to 15 USC 1692g (Validation of Debts), you are legally obligated to provide verification of the alleged debt or a copy of a court judgment upon written request within 30 days. To date, I have not been provided with any documentation or signed agreement showing I authorized this account. In the absence of such evidence, there is no valid justification for this account to be associated with me.Because this account was fraudulently created, I am demanding its immediate removal from my credit report and a halt to any collection activity. If you are unable to validate the debt within the required 30-day period, you must delete the account from my record and discontinue all collection efforts.Please acknowledge receipt of this letter and advise me of the steps you will take to resolve this issue.

  

  Business Response

  Date: 07/16/2025

  Acima Leasing (hereinafter we, us, our) received the complaint filed by Mr. ***** ***** through the Better Business Bureau (BBB) on July 15, 2025, regarding a fraudulent lease with his information. We provide the following response. 
  
  Acima Leasing takes fraud allegations very seriously and conducts immediate investigations upon notification. Upon completing our investigation, we were unable to determine whether the lease in question was created as a result of fraud. We encourage Mr. ***** to file a police report and send a copy to ******************************* Alternatively, Mr. ***** may provide us with a ************************ Identity Theft Affidavit (FTC Affidavit) Upon receipt of the requested documentation, we will further investigate his allegation. If it is determined that this lease is, in fact fraudulent, we will take all necessary action. No further action will be taken while we await additional documentation. 
  
  If Mr. ***** has any questions we encourage him to contact our customer service department at **************. 

• Initial Complaint

  Date:07/14/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  March this customer is trying to charge over 1200.00 for a repair of 500 dollars. if i didnt pay within 90 days. This is a scam/

  

  Business Response

  Date: 07/21/2025

  Acima Leasing (hereinafter “we,” “us,” “our”) received the complaint filed by Mr. ***** ******* through the Better Business Bureau (“BBB”) on July 14, 2025, regarding the total cost of leasing. We provide the following response. 
  
  Acima Leasing provided clear disclosures at the time of application, including a pop-up which explicitly states that we offer a leasing program and provides a calculator for customers to estimate the cost of leasing. To sign the lease, Mr. ******* was sent a text message to the phone number on his application, which provided a link. Upon clicking the link, Mr. ******* was provided a breakdown of the costs of leasing, including the Total of Payments, his rent renewal payment amounts and frequency, as well as the first early-purchase option amount. Mr. ******* was then provided a full copy of the rental purchase agreement (“Agreement”) and encouraged to review it prior to signing. Subsequently we have emailed Mr. ******* several reminders, including a welcome email and first early-purchase reminder email, which also includes key information regarding his lease terms and how to utilize the first early-purchase option. It is Mr. ******* responsibility to review the Agreement prior to signing, and review the communications provided to him.    
  
  W offer two Early Purchase Options (“EPOs”); each of which reduces the cost of ownership and terminates the rental-purchase agreement earlier than the rental period contained within. The first EPO is a 90-day EPO wherein Mr. ******* may obtain ownership for less than the total of  all renewal payments. The second EPO stipulates that Mr. ******* can obtain ownership at any point after the first 90 days by paying a lump sum payment equivalent to 65% of any remaining rent renewal payments. The Total of Payments as well as all other terms and conditions were set forth at the initiation of the Agreement, and have not and will not change. We confirm that Mr. *******’ lease is purchased under the second EPO, has obtained ownership of the leased property and has no further payment obligations  to Acima Leasing. 
  
  We hope this response assists Mr. ******* understanding. If Mr. ******* has any questions, we encourage him to contact our customer service department at -(**** *******.