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:05/22/2025

  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.

  Acima 2021
  Is a Rent to lease company, but i was never told this was the case. I did not know that was thr case. I thought it was a line of credit. The company is now filing charges against me for attempt to defraud a financial institute. I have not received any settlement offers or even collection notices until today. I still have not received documentation, only a phone call. On this phone call I was told there was no opportunity to settle the debt, I could only fight the allegations s to defraud them in court. When I asked what the alleged breach of contract and amount was, I was told a figure 300% more than the original line of credit. Or what I thought was a line of credit....now a RTO. I know they are being sued by the CFPB, and now I am just one of the customers that was deceived by this company. Without the opportunity to arrange a settlement.

  

  Business Response

  Date: 05/30/2025

  Acima Leasing (hereinafter “us,” “we,” “our,”) received the complaint filed by Ms. ********* ***** through the Better Business Bureau (“BBB”) on May 22, 2025. We investigated her complaint and prepared the following response.  
  
  Acima Leasing does not engage in the described behavior. ********* *****’s account with Acima Leasing is no longer owned by us. Requests for cessation of communication should be directed to the party who may be initiating contact with Ms. *****, namely, Collection Attorneys USA, the company associated with this complaint. Ms. ***** may contact them with any questions or requests at ************. 

  Customer Answer

  Date: 05/30/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: 

  The company you've sold my account to does not disclose who they are, now do they give an option for communication.  Only threats.  Even when I asked how the matter could be resolved, I was told it was beyond that point, yet continue to receive calls telling me they are proceeding with "allegations" against me.  In addition, they represented themselves as Acima.  Otherwise, I would have pursued this complaint against them.  You may not own my account, but you are the originator and did not disclose that this is a Rent to own agreement, then increased the interest to 300%.  I doubt the collection company you sold my collection to was the creator of these terms. You should also know the company you use to pursue these debts assumes these harassing practices. They attempt to scare clients and when I asked for a solution and was denied, it also denies your opportunity to recoup any losses, which is the purpose for the collections practice.  

  I've lived at the same address since this purchase was made and have not received any correspondence about my account, or options before it was sold or escalated to threats of filing allegations against me on public record.  My phone number hasn't changed either, yet they are calling my family members and discussing private account info with them as well.  Both were told it was "ACIMA" calling to "locate" me.  I still haven't received one price of correspondence from acima or collections attorneys USA.  

  I FULLY intend to file a complaint against them as their practices are extremely invasive and harassing.

  
  
  Sincerely,
  
  
  
  ********* *****

• Initial Complaint

  Date:05/21/2025

  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.

  As of 5/21/2025 this morning, I was contacted by a tire shop business that an account was opened under my name. It looked suspicious to them and wanted to verify if it indeed was me. As the person had made the application on line for acima leasing. The person in question is using my identity to make a purchase over 1000 dollars with the business. I've contacted acima to report it and was given an email address to report the fraude. The address cannot be reached, only this is the site I'm sent to. They told me this how I can have my account completely closed so no further activity can be made to my account.

  

  Business Response

  Date: 05/23/2025

  Acima Leasing (hereinafter “we,” “us,” “our") received the complaint filed by Mr. Martin ********* through the Better Business Bureau (the “BBB”) on May 21, 2025. We investigated his complaint and provide the following response. 
  
  Acima Leasing takes fraud allegations very seriously. We conducted a preliminary investigation. After completing our investigation, we were unable to determine whether the lease associated with Mr. *********** information was a result of fraud. We kindly request Mr. ********* file a police report and provide us with a full and complete copy of the same 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. Absent proof of fraud, Mr. ********* remains responsible for the Agreement and the past-due rent amount. 
  
  Mr. ********* may send the requested documents to ***************, with any questions.  

• Initial Complaint

  Date:05/21/2025

  Type:Sales and Advertising 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.

  When I had first turned about 5 years ago or so when I had first moved out and finished school I had used Acima to finance a bed set for a place I was moving in to. I had fallen into financial hardship shortly after, and was not able to keep up payments. I kept the bed because I needed something to sleep on. I'm being accused of intending on defrauding Acima, which just isn't true, and of breaching a contract. It was never my intent to defraud anyone, I did keep the bed, but only because I saw that as a better alternative than sleeping on the ground. As I said this was maybe 4-5 years ago. Just today I find out that I am being served with papers, for a debt in the amount of less than $1000, for a bed I financed years ago. I don't mind doing payment plans now, but what I am being accused of just isn't true, and to have this happen 5 years after the fact seems a little ridiculous.

  

  Business Response

  Date: 05/23/2025

  Acima Leasing (hereinafter “us,” “we,” “our,”) received the complaint filed by Mr. ****** ****** through the Better Business Bureau (“BBB”) on May 21, 2025. We investigated his complaint and prepared the following response. 
  
  Acima Leasing does not engage in the described behavior. Pursuant to our records, our last contact attempt with Mr. ****** occurred on March 30, 2021.  
  Mr. ******’s account with Acima Leasing is no longer owned by us. We confirm Collection Attorneys USA is the company associated with this complaint. Mr. ****** may contact them with any questions or requests at ************* 

• Initial Complaint

  Date:05/19/2025

  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 had plumbing work done by Lavergne plumbing they told me I could pay $76.00 a month for 120 months or more until 2900.00 bill paid . now acima says if I don't pay balance within 90 days they will charge 5000.00. in interest so I would then owe $6,600.00. that's crazy

  

  Business Response

  Date: 05/23/2025

  Acima Leasing (hereinafter “us,” “we,” “our” received the complaint filed by Ms. ***** ********* through the Better Business Bureau (“BBB”) on May 19, 2025. We investigated her complaint and prepared the following response. 
  
  Acima Leasing transactions are not financing, loans, or same as cash arrangements. Acima Leasing is a rent-to-own organization offering an alternative option of financing. We do not charge “interest” as Ms. ********* states, we do however charge a daily lease rate. On April 29, 2025, Ms. ********* hired an independent third-party contractor – LaVergne Plumbing & Heating - (the “Retailer”) – in Everson, Washington. She applied and was approved for our leasing service. On that same date, she selected merchandise (the “Property”), and we sent Ms. Kropp a link to the rental-purchase agreement (the “Agreement”) via SMS text message to her phone. Ms. ********* electronically entered the Agreement on her own device, certifying that she read and agreed to its terms and conditions. Further, prior to being presented with the Agreement, Ms. ********* was provided, again on her own device, a lease summary screen that provides all of the salient pricing terms of the Agreement including the maximum cost to own, early purchase options, the short-term renewal payment frequency, and other important information. Ms. ********* could obtain ownership of the Property by making an initial payment equal to $70.00 plus tax plus 12 monthly renewal payments of $573.33 plus tax, for a total of $6,949.86 plus tax (the “Total of Payments”) plus tax. Ms. ********* could also elect to utilize an Early Purchase Option, or terminate the Agreement. 
  
  As a courtesy to the customer, Acima Leasing offers two Early Purchase Options (“EPO”); each of which reduces the cost of ownership to the customer and terminates the Agreement earlier than the 12-month Rental Period contained within. The first EPO (“EPO”) and the only EPO discussed in Ms. *********’s complaint is a 90-day EPO where a customer can obtain ownership of the Property within the first 90 days of the Agreement by paying the disclosed purchase price. Ms. ********* has a FEPO purchase price of $3045.63 before tax Additionally, Ms. ********* was also provided a link to Acima Leasing’s customer portal, located at *************************** where she could log in to view a copy of the Agreement at any time, view the status of her lease, and make payments. The second EPO stipulates a customer may obtain ownership at any point after the first 90 days by paying a lump sum payment equivalent to 65% of any remaining renewal payments plus any past-due rent. This option will be available to Ms. ********* until the end of the lease term. 
  
  
  To repeat, Ms. ********* was presented with a summary screen on her own device that described in detail the salient pricing and other important terms contained in the Agreement. We confirm that Acima Leasing conducted due diligence by providing all pertinent information including a full copy of the Agreement prior to allowing Ms. ********* to sign. Moreover, Ms. ********* was required to scroll to the bottom of the Agreement before signing, providing her the opportunity to review its provisions in full. 
  
  As we confirm the leasing costs were presented to Ms. ********* prior to being able to sign the Agreement and that we conducted our due diligence, we consider this complaint closed. For further questions Ms. ********* may contact customer service, by calling ***** ********

  Customer Answer

  Date: 05/26/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because Acima says they do not charge interest, however, my receipt from LaVergne Plumbing was for $2,935.00.  Acima charged me $3,1000+ at the start of this transaction (I found out later through phone calls with Acima representatives).  If this $200.00 isn't interest what is it.  After my $76.00+ initial payment Acima said I could pay $623.00 a month, however, the 90 day period would now amount to $2600.00.  There is no way $623.00 for 90 days could pay $2600.00 (I paid $623.00 on 5/20/25).  
  
  
  
  Sincerely,
  
  
  
  ***** *********

  

  Business Response

  Date: 06/02/2025

  Once the customer elects to utilize a lease approval, Acima Leasing purchases merchandise selected by the customer from the retailer and then rents the merchandise to the customer through a terminable rental-purchase agreement, that contains all disclosures including payment amounts, purchase options, and a termination option, as required by applicable law. Ms. ********* was presented with educational screens prior to being presented with the lease application. This information clearly notes that Acima Leasing does not offer loans, credit, or financing, and provides other important information that must be reviewed before the application process begins. 
  
  Acima Leasing does not charge interest as our leasing product is not a credit product. Ms. ********* elected to utilize Acima Leasing Leasing’s services, as such, she agreed to pay the cost of our services, in addition to the cost of the property that she would have paid for had she purchased the merchandise from the retailer directly. Pursuant to Ms. *********’s Agreement, the cost of rental is $3,954.23, and the Acima Cash Price of $2,758.93, together it equates to the total of payments of $6,235.18. This is the amount Ms. ********* would pay if she were to make all regular rental renewal payments; she may also purchase early and save or elect to terminate her Agreement. We confirm that Acima Leasing conducted due diligence by providing all pertinent information including a full copy of the Agreement prior to allowing Ms. ********* to sign. We have provided her with the option to receive the leased property immediately and allowed her to make rent payments over time, with the option to purchase later or return the Property and terminate the Agreement. 
  
  
  For clarification, utilizing the 90-day EPO is entirely optional and to take advantage of this option, Ms. ********* must meet the 90-day EPO total of $3,045.63 before tax, or $3,313.64 after tax. The Purchase Terms are discussed in Paragraph 3 of Ms. *********’s Agreement, “You are not automatically enrolled in early purchase options. To purchase early call ***** ******** or go to **************************.” As this is an optional Ms. ********* must initiate additional payments or a purchase payment for the remainder to meet the 90-day EPO purchase total on or before the expiration date of August 5, 2025. 
  
  For further questions Ms. ********* may contact customer service, by calling ***** ******** 

• Initial Complaint

  Date:05/17/2025

  Type:Service or Repair 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 purchase a refrigerator (black) never made it into the home due to it not fitting. Delivery guys gave proper measurements. By the 9th I ordered a 2nd refrigerator (silver) along with stroller. I went through several issues with delivery that $200 was to be taken off the product. Now I’m being charged for both. Prices not adjusted. I’ve spoken with Walmart and Acima several times to no resolution. In looking for my collection report to be adjusted as well as all adjustments made to products and prices

  

  Business Response

  Date: 05/27/2025

  We investigated Ms. ******* complaint  and confirm that we are actively working on the matter brought forth in her complaint. We ask that Ms. ***** contact our customer service by calling (801) 297-1982 for updates, or alternatively await our phone call, after our investigation concludes.  

• Initial Complaint

  Date:05/16/2025

  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.

  Today I received an email for a lease for a ****** ******** I have never gotten a lease from them nor do I plan to. I called them and they said that Sandra used my email to sign up for a lease. This has happened several times before with them. I need it to stop and investigated for fraud. My credit is locked, so I don't need to worry about them getting into it.

  

  Business Response

  Date: 05/22/2025

  Acima Leasing (hereinafter “us,” “we,” “our”) received the complaint filed by Ms. ******* ****** through the Better Business Bureau (“BBB”) on May 16, 2025. We investigated her complaint and prepared the following response.    
  
  Acima Leasing takes fraud allegations very seriously. We confirm our fraud department has received an email from Ms. ****** where she stated this is not her account and conducted a preliminary investigation. After completing our investigation, we were unable to determine whether the lease associated with Ms. ******’s information was a result of fraud. We kindly request Ms. ****** file a police report and provide us with a full and complete copy of the same to ***************. Alternatively, Ms. ****** may provide us with a Federal Trade Commission Identity Theft Affidavit (“FTC Affidavit”) Upon receipt of the requested documentation, we will further investigate her 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. Ms. ****** may contact our customer service department by phone at (**** ********* 

• Initial Complaint

  Date:05/15/2025

  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.

  This company offers predator loans.
  In moral and in American.

  

  Business Response

  Date: 05/20/2025

  Acima Leasing (hereinafter “we,” “us,” “our”) received the complaint filed by Mr. ****** ******** through the Better Business Bureau (“BBB”) on April 4, 2025, regarding his lease. We investigated his complaint and provide the following response. 
  
  Mr. ********’ account with Acima Leasing is no longer owned by us. Requests for cessation of communication should be directed to the party who may be initiating communications with Mr. ********, namely, Landmark Strategy Group, LLC. They may be contacted by phone at (877) 412-9815. 

• Initial Complaint

  Date:05/15/2025

  Type:Customer Service 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 not liable for this debt with Acima Digital FKA SIMP, I do not have a contract with Acima Digital FKA SIMP, they did not provide me with the original contract as I requested

  

  Business Response

  Date: 05/20/2025

  Acima Leasing (hereinafter “us,” “we,” “our” received the complaint filed by Mr. ******* ************* through the Better Business Bureau (“BBB”) on May 15, 2025. We investigated his complaint and prepared the following response. 
  
  We were able to locate two paid in full leases, However we were unable to locate an open or past due lease with Mr. *************** information that would suggest he owes a “debt” to Acima Leasing. 
  
  If Mr. ************* has any questions or has a lease number for us to look into more thoroughly he may contact our customer service department by phone at (**** ********. 

  Customer Answer

  Date: 05/20/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  I didn’t not open a complaint on an open account I open a dispute/conplaint on an old account that is now closed/ paid off that I didn’t open. I would like for acima provide proof that I opened this account with  an ID. I understand what I’m disputing is paid of which I am glad but I did not open this account. 
  
  Sincerely,
  
  
  
  ******* *************

  

  Business Response

  Date: 05/23/2025

  Mr. ************* claims “[He] not liable for the debt with Acima Digitial.” He does not provide further explanation as to why he believes he is not liable for this debt. We have reason to believe that this lease belongs to Mr. *************. Nonetheless, if Mr. ************* is alleging identity theft, we request that he provide us with any documentation substantiating his allegation, including a full police report, at ***************. Upon receipt of the requested documentation, we will further investigate his allegation. If it is determined that in fact it is a fraudulent lease, we will terminate this lease and remove all reporting of it from the credit bureau. Absent proof of fraudulent activity, we will not terminate the lease or remove our reporting.    
  
  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:05/14/2025

  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.

  On April 9th, I got approved for a leasing amount of $2,625 by Acima leasing. Acima lease #********.This was done at the Foothills Family furniture store in ********. This was for a 3- Sectional couch. The day of delivery, the store let me know there was a bit of confusion and they didn't have the exact couch I had chosen. The couch they delivered did not fit in my door and they took it back with them. The next day I contacted Acima leasing and Foothills Furniture and asked them to cancel the lease. I have spoken with multiple **** from Acima leasing since then and this has not been resolved. I informed them I had revoked the payments as I wanted the lease canceled. I talked to my bank and stopped any payments going out to them since the product is not even in my possession. I have still been getting texts, calls, and emails regarding making the payments. I'm tired of explaining the same thing to different **** and being given the runaround. I call and I'm kept on hold for over 30 minutes and still the issue doesn't get resolved. I was even on the phone with both Acima and Foothills Family furniture **** and it was confirmed the merchandise was in Foothills' possession. I was specific on what I wanted and didn't get which makes the sale null and void. I would like the communication from Acima Leasing to cease. I can't return the merchandise as it is not in my possession. ****** the lease.

  

  Business Response

  Date: 05/23/2025

  Acima Leasing (hereinafter we, us, our) received the complaint filed by Ms. ******** ****** through the Better Business Bureau on May 14, 2025. We investigated this complaint and prepared the following response. 
  
  As per Ms. ******* request to have the communication from Acima Leasing stop, we have marked her account with a do not contact flag. Our resolutions team has reached out to the retailer and verified that they have the merchandise in their possession and the delivery was never completed. As such we have terminated Ms. ******* lease. 
  
  We find it unfortunate that Ms. ******* has been dissatisfied with her experience with Acima Leasing.  We hope Ms. ****** would elect to work with Acima Leasing again in the future. If Ms. ****** has any further questions or concerns she may contact our ***************** by calling **************. 

  Customer Answer

  Date: 05/23/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******** ******

• Initial Complaint

  Date:05/14/2025

  Type:Customer Service 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.

  Acima has flooded my email inbox with approvals for leases of various amounts of money. I have never requested anything from this company, I have no idea what they do or how they got my contact information. There is on Unsubscribe link in their emails, which is in violation of *** guidelines.

  

  Business Response

  Date: 05/16/2025

  Acima Leasing (hereinafter we, us, our) received the complaint filed by Ms. ***** ****** through the Better Business Bureau (the BBB) on May 14, 2025. We investigated her complaint and prepared the following response. 
  
  In her complaint Ms. ****** states that our emails dont have an opt out or unsubscribe button. We confirm that there is an unsubscribe link as per *** regulations. We note that Ms. ****** did not provide a full lease number, and the physical address, email, and phone number provided does not match any leases in our system. We thereby request that she provide additional identifying information so that we can fully investigate the dispute. Ms. ****** may provide at least two of the following pieces of information, physical address as provided at the time of application, phone number, email address, and the last 4 digits of the social security number or ITIN. She may reach out to our customer service department directly at **************, to provide this information and so we can assist her with unsubscribing her from communications.