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:08/01/2025

  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 keep changing the ******* on my computer payments every day

  

  Business Response

  Date: 08/05/2025

  Acima Leasing (hereinafter we, us, our) received the complaint filed by Mr. ******* ****** through the Better Business Bureau (BBB) on August 1, 2025, regarding the purchase amount. We provide the following response.  
  
  Mr. ****** alleges they keep changing my [purchase] on my computer payments everyday. ********************* contains 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 of which, has expired and is irrelevant to this complaint. 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, plus any past-due rent. This means that as rental-renewal payments become due during the lease term, the proportion of the remaining payments subject to the **** decreases, as the due payments are excluded. This option is still available to Mr. ****** and will be until the last rent-renewal payment is due.   
   
  
  We hope this response provides Mr. ****** the clarification he is seeking. If Mr. ****** has any questions, we encourage him to contact our customer service department at **************. 

  Customer Answer

  Date: 08/05/2025

   
  Complaint: 23689854
  
  I am rejecting this response because: I naver stop maken payments on it 
  
  Sincerely,
  
  ******* ******

  

  Business Response

  Date: 08/07/2025

  We confirm that the last successful payment on Mr. ****** lease was on May 16, 2025. As Mr. ****** response contains no call to action we consider this complaint closed. 

• Initial Complaint

  Date:08/01/2025

  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 am writing to the Better Business Bureau regarding an issue I have encountered with a sofa I received from Acima / Wayfair. Unfortunately, the sofa arrived broken, yet I have been consistently charged for it despite the condition it was in upon arrival. I believe this situation needs to be addressed, as I should not be held liable for damage that occurred before it arrived at my home. I hope to find a resolution to this matter soon. I could not return the sofa because it was completely busted when it arrived. It was in such poor condition that I was unable to send it back. Despite this, I have continued to be charged for the item, which I believe is unfair. I would appreciate any assistance in resolving this matter. Thank you.

  

  Business Response

  Date: 08/06/2025

  Acima Leasing (hereinafter “we,” “us,” “our”) received the complaint filed by Ms. ******** ******** through the Better Business Bureau (“BBB”) on August 4, 2025. We provide the following response.  
  
  Ms. ******** claims that the “sofa arrived broken.” The delivery date for the sofa was August 21, 2024. We reviewed our records and August 1, 2025 is the first time Ms. ******** has reached out to inform us that the merchandise was allegedly delivered damaged. As such, we ask that Ms. ******** provide us with any evidence that the merchandise was delivered damaged and that her attempts to return it were denied. 
  
  We consider this matter closed as we are awaiting additional documentation from Ms. ********. If she has additional questions or concerns, she may contact our customer service department at ***** ********. 

  Customer Answer

  Date: 08/06/2025

  
  
  Complaint: 23689368
  
  
  
  I am rejecting this response because:

  we did in fact reach out months ago about this matter. This is false information. I spoke with customer service already about this twice. I don’t see how calling them a third time would do me any good. This is the second sofa from wayfair that came to us with broken pieces to the point we couldn’t use it. My husband got mad because we couldn’t even get it back inside of the box it came in, we do not have the money to throw around to do our own shipping and things like that. I desperately need my money back from this item. 

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

• Initial Complaint

  Date:08/01/2025

  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.

  I’m not liable for this debt with Acima house
  I do not have contract with the collection agency they didn’t provide me with the original contract as I requested

  

  Business Response

  Date: 08/05/2025

  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 Ms. ******** to file a police report and send a copy 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. Additionally, Ms. ********’s lease is not reported to any major national credit reporting agencies. 
  
  We do not have record of Ms. ******** requesting a copy of her rental-purchase agreement. She may review a copy on ******************************** 

• Initial Complaint

  Date:08/01/2025

  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 writing to formally dispute the account listed under account number ********* as it appears on my credit report. This account was opened without my permission and appears to be the result of fraudulent activity. I have no memory of applying for or authorizing any account with ACIMA DIGITAL FKA SIMP.
  
  In accordance with 15 U.S. Code § 1692g (Validation of Debts), I am exercising my right to request verification of this debt. You are legally obligated to provide documentation verifying the debt, including a copy of any signed agreement, within 30 days of receiving this notice. To date, I have not been provided with any valid contract or documentation showing that I consented to this account. Without such proof, there is no legal basis for this debt to be associated with me.
  
  Given that this account was fraudulently opened, I am requesting its immediate removal from my credit report and a halt to any further collection efforts. If you are unable to verify this debt within the required timeframe, you must remove it from my records and cease all collection activities.
  
  Please acknowledge receipt of this letter and advise me on the next steps to resolve this matter.

  

  Business Response

  Date: 08/05/2025

  Acima Leasing takes fraud allegations very seriously and conducts immediate investigations upon notification. We note that this complaint is our first notification of fraud by Mr. ********. 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 have provided further steps for Mr. ******** to take we consider this complaint closed. Questions regarding these steps may be directed to our customer service department by calling ***** ********. 

• Initial Complaint

  Date:07/29/2025

  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 called or the third party they hired called myself and family members scaring everyone saying they are looking for me for a legal matter. When I spoke to them they are stating they are sending me court documents for fraud. That I intended to defraud them of merchandise that was purchased in 2021. I am a victim of domestic violence and I do not disclose any of my personal information. I have no idea what this is even regards to.

  

  Business Response

  Date: 08/01/2025

  Acima Leasing (hereinafter “we,” “us,” “our”) received the complaint filed by Ms. **** ******* through the Better Business Bureau (“BBB”) on July 29, 2025. We provide the following response.  
  
  After reviewing her complaint and our communication history, we confirm that Acima Leasing has not made the communication attempts alleged by Ms. *******. We have investigated our communications and confirm our call attempts and content are in compliance with applicable laws and regulations. We confirm that we sold the lease to an account buyer in December 2024. We have since repurchased the lease and closed it in a positive status. Ms. ******* no longer has any obligations to Acima Leasing. We are unable to speak to the actions taken by the company that Ms. ******* alleges of this behavior.     
  
  Ms. ******* may contact our customer service at ***** ******** with any further questions 

• 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:07/26/2025

  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.

  I attempted to open a new lease a few times and every time the app had issues. They took 2 initial payments one of $44.47 and the other $44.48. Was told that all failed lease payments were refunded and they were not. They couldn't tell me the amount that they CLAIMED WAS REFUNDED

  

  Business Response

  Date: 08/01/2025

  Pursuant to our records, the $51.94 initial payment for lease #******** was refunded to Ms. ***** successfully and the $51.94 initial payment for lease #******** was voided. If Ms. ***** has any evidence to suggest otherwise, we encourage her to contact 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,
  
  
  
  ******* *******