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:03/20/2024

  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 BOUGHT A SILVER AN GOLD BRACELET AND WGEN I GOT IT DELIVERED IT WAS BROKEN AND WHEN I CONTACT ACIMA TO ASK FOR A RESOLUTION THEY SAID SOMEONE WILL CALL ME BACK WITH IN 2 WEEKS ITS BEEN SINCE JAN27, 2024 AND NO ONE HAS REACHED OUT TO ME I CALLED BACK MORE THAN 3 TIME TO TRY TO GET IT RESOLVED NO ONE HAS GOTTEN BACK TO ME I NEED HELP RESOLVING THIS MATTER. THERE CHARGED ME AND CONTINUE CHARGING ME FOR SOMETHING DAMAGED

  

  Business Response

  Date: 03/27/2024

  Acima Leasing (hereinafter “us,” “we,” “our,” “Acima”) received the complaint filed by Mr. ****** ****** through the Better Business Bureau on March 20, 2024. We investigated his complaint and prepared the following response.   
  
  We reviewed Mr. ******’s lease and contacted the retailer in regards to his claims. The retailer provided contradictory information. Regardless, we came to a mutually agreeable resolution directly with Mr. ******. Upon the clearing of Mr. ******’s processing payment of $58.44, his lease will be closed and he will have no further payment obligation to Acima in connection with this lease. 
  
  If Mr. ****** has additional questions or concerns, he may contact our customer service department at ###-###-####. 

• Initial Complaint

  Date:03/19/2024

  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.

  Dear BBB Representative,
  I hope this message finds you well. I am reaching out to you regarding a concerning issue I've encountered with Acima Lease, specifically regarding lease #********.
  On March 6th, I contacted Acima Lease to inform them of my inability to make a payment due to a recent heart attack. Despite this unforeseen circumstance, I assured them that I would make the payment on March 19th, understanding that there would be a penalty, resulting in a total payment of $508.71 instead of the usual $408.71. This agreement was made with one of their agents, and I confirmed my intention to make the payment on the 19th to ensure sufficient funds in my account.
  However, to my surprise, when March 19th arrived, Acima Lease withdrew only $91.43 from my account, significantly less than the agreed-upon amount. Perplexed by this discrepancy, I immediately contacted Acima Lease for clarification. To my dismay, I was informed by an agent named Karina that I was supposed to make the payment back on March 12th, which contradicts the arrangement made during our previous conversation. I explained that my paycheck typically arrives on the 17th, hence why I planned to make the payment on the 19th.
  Despite my attempts to resolve the issue with Karina and escalate the matter to a supervisor named April, I was met with resistance and informed that I must now pay the full amount immediately. April mentioned the possibility of contacting a manager but provided no assurances of a resolution. I even suggested reviewing the call recordings to verify our initial agreement, but my request was dismissed.
  I am reaching out to the Better Business Bureau to seek assistance in resolving this matter swiftly and fairly. I kindly request your intervention to ensure that Acima Lease acknowledges their mistake and provides a reasonable resolution that aligns with the terms agreed upon.
  Thank you for your attention to this matter. I am hopeful for a prompt and satisfactory resolution.
  Sincerely,

  

  Business Response

  Date: 03/21/2024

  Acima Leasing (hereinafter “us,” “we,” “our,” “Acima”) received the complaint filed by Ms. ******** through the Better Business Bureau on March 19, 2024. We investigated her complaint, reviewed a recording of the interaction in question, and deny Ms. ********’s allegations. We confirm Ms. ******** inquired about an extension of her 90-day early purchase option on March 6, 2024. Ms. ******** did not offer an explanation for the need of an extension, nor did she express her intention to make a payment on March 19, 2024. Regardless, we explained an extension was available to her until March 12, 2024, which was only available by calling Acima. Ms. ******** did not execute the 90-day early purchase option with the extension. As such, we continued to draft rent payments in accordance with her signed rental-purchase agreement.  
  
  In conclusion, we confirm we provided Ms. ******** with accurate information regarding the availability of the extension, and thus, is not entitled to a billing adjustment. If Ms. ******** has additional questions or could like to explore any purchase or termination option that may be available to her, she may contact our customer service department at ###-###-####. 

  Customer Answer

  Date: 03/23/2024

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because I did explain why (heart attack)  I was asking for an extension to pay in full by March 19,2024 which was the date the agent told me,so I please request the recording phone call since I’m entitled and I was the person involved.Also the solution I need is for this company to agree for me to pay in full and close this account for the amount mentioned of $508.90 due to their misinformation and lack of clarification.

   

  thank you

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

  

  Business Response

  Date: 03/27/2024

  Phone calls are property of Acima and are recorded for quality and training purposes. Ms. ******* is not entitled to them, and we will not provide them to her. We deny Ms. *******’s allegations and confirm she was provided with clear and accurate information regarding the availability of the extension and she expressed understanding of such information. As such, we consider this matter closed. If Ms. ******** has additional questions or could like to explore any purchase or termination option that may be available to her, she may contact our customer service department at ###-###-####.

  Customer Answer

  Date: 04/02/2024

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

  Complaint: ********
  
  Recording calls is important, and businesses with strategic call recording plans provide better service, better training, better analytics, and, in the end, a “better customer journey for callers” but in this case to protect Acimas interest.So I please ask the BBB to consider Acimas respond as a form to denied the costumer clarification only base in a supervisor/agent automatic complaint responder word and not in a recorded conversation that im entitled to have since I’m part of that conversation and I do not recall the agent telling me I was being recorded.
  
  Sincerely,
  
  ****** ********
  
  
  
  Sincerely,
  
  
  
  ****** ********

• Initial Complaint

  Date:03/18/2024

  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 not aware of this account. I have reached out to 3 credit bureaus and JEFFERSON CAPITAL SYSTEM LLC. to have this account removed from my file and they always say the same excuse, which is no longer acceptable. I have filed an FTC complaint because I believed this is an outcome of identity Theft. Regardless of all actions done on my end, there was no action from 3 Bureaus. Thus, I am reaching out to seek assistance to haveJEFFERSON CAPITAL SYSTEM LLC. that I have no account with them and 3 credit bureaus can simply remove it from my credit.

  

  Business Response

  Date: 03/18/2024

  Acima Leasing (hereinafter “us,” “we,” “our,” “Acima”) received the complaint filed by Ms. ****** through the Better Business Bureau on March 18, 2024. Please note, we are not affiliated with JEFFERSON CAPITAL SYSTEM LLC. Further, we were unable to locate a lease account in our system matching the identifying information that Ms. ******’s provided in her complaint. Ms. ****** may contact our customer service department by phone at ###-###-#### if she has any questions, or if she would like to assist our agents in attempting to locate a lease account associated with her information. Additionally, we ask Ms. ****** to contact our fraud department by email at ***************, regarding matters related to fraud. 

• Initial Complaint

  Date:03/15/2024

  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 is holding a balance if *****$ under my name and i only owe the 200$ they are stating they will fraudulently report the ***** to the credit bureau. This has got to be a violation in so many ways.

  

  Business Response

  Date: 03/19/2024

  Acima Leasing (hereinafter us, we, our, Acima) received the complaint filed by ******************************* through the Better Business Bureau on March 15, 2024. We investigated her complaint, reached out to her directly via phone call, and resolved her concerns. As such, we consider this matter closed. If **************** has further questions, she may contact our resolutions department at **************. 

• Initial Complaint

  Date:03/14/2024

  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 purchased a leased product from Boxdrop ******* using a lease through Acima. I was unhappy with the product and contacted Acima to cancel the lease agreement. I was told I needed to have the retailer send in a cancellation invoice and they would start the process within 7-10 business days. I have had to call Acima several times after sending the cancellation invoice and 3/14 Im told I have a payment processing for $99 and they cannot cancel it, and also that they have not started working on the cancellation. I need for my lease to be cancelled. I do not have the product anymore. The retailer picked up the product. I sent in the cancellation via email as well as the retailer to ************************************ Two weeks later Im still being charged for a product I do not have and they havent done anything to cancel my lease agreement even though I followed their specific steps.

  

  Business Response

  Date: 03/21/2024

  As of todays writing, we have not received a cancelation request from BoxDrop (the Retailer). Furthermore, on March 21, 2024, ********************** confirmed she was in possession of the leased property and was arranging the return of it with the Retailer. Given these facts, we consider this matter closed. If ********************** has additional questions or concerns, she may contact our customer service department at **************. 

  Customer Answer

  Date: 03/22/2024

   
  Complaint: 21433706
  
  I am rejecting this response because:
  The representative asked on 3/21 if I still had the merchandise. I advised her I did not.  I advised her specifically that I did not have it for over 3 weeks. If calls are recorded they have this info. She specifically stated they had not received the cancellation from the retailer however this has been sent several times.  
  Sincerely,
  
  *********************************

  

  Business Response

  Date: 03/27/2024

  On March 22, 2024, Acima received instructions from the Retailer to terminate ************************ lease and we immediately did so. As such, we consider this matter closed.  

• Initial Complaint

  Date:03/13/2024

  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.

  Section 623(a)(6). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information an must thereafter report only complete and accurate information.

  

  Business Response

  Date: 03/15/2024

  Acima Leasing (hereinafter “us,” “we,” “our,” “Acima”) received the complaint filed by Ms. ********* ******* through the Better Business Bureau on March 13, 2024, stating a furnisher’s requirements regarding furnishing information that is a result of identity theft.  
  
  While Ms. ******* does not claim that the lease associated with her information is a result of identity theft, Acima takes identity theft allegations seriously. We request that Ms. ******* file a police report and provide us with a copy of the same to [email protected]. Upon receipt of the requested documentation, we will further investigate her allegation. If it is determined that in fact it is a fraudulent lease, we will terminate the lease. Absent proof of fraudulent activity, we will not terminate the lease.  
  
  As we are awaiting additional documentation, we consider this complaint closed. If Ms. ******* obtains the requested supporting documentation, she may contact our fraud department at [email protected]. If Ms. ******* has any general questions or concerns, she may contact our recovery department by phone at ###-###-####. 

• Initial Complaint

  Date:03/12/2024

  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 reaching out to inform Acima Digital LLC of its failure to comply with federal consumer protection laws, which has adversely affected my financial standing and rights as a consumer. Specifically, your company has breached the following statutes:
  
  1. § 616. Civil Liability for Willful Noncompliance [15 U.S.C. § 1681n]
  2. § 617. Civil Liability for Negligent Noncompliance [15 U.S.C. § 1681o]
  3. § 618. Jurisdiction of Courts; Limitation of Actions [15 U.S.C. § 1681p]
  
  These violations have led to significant personal and financial distress, necessitating immediate rectification and compensation. Enclosed with this letter, please find detailed documentation of each instance of noncompliance, including evidence of the detrimental effects on my credit and financial health.
  
  Due to the serious nature of these violations, I have also attached an invoice detailing the compensation required for the damages incurred. Please be advised that payment is expected within 15 days of receipt of this letter. Failure to address this payment within the specified timeframe will result in my initiation of legal proceedings against Acima Digital LLC to seek full compensation, including any additional damages, legal fees, and other costs as permitted by law.
  
  This letter serves as a formal demand for immediate corrective action and financial restitution. It is crucial that Acima Digital LLC takes prompt and serious steps to remedy these violations to avoid further legal action. Your cooperation and swift resolution of this matter are of the utmost importance.
  
  I anticipate a prompt acknowledgment of this letter and the immediate settlement of the attached invoice. Should you have any questions or need further clarification, please feel free to contact me directly at ***************************.

  

  Business Response

  Date: 03/18/2024

  Acima (hereinafter “we,” “us,” “our”) received the complaint filed by Mr. ****** ****** through the Better Business Bureau on March 12, 2024. Acima confirms we received the attachments provided; however, we were unable to locate a lease matching Mr. ******’s identifying information submitted in this complaint. As such, we are unable to address this complaint. If Mr. ****** would like to assist our agents in locating a lease account associated with his information, he may contact our customer service department by phone at ###-###-####.

• Initial Complaint

  Date:03/08/2024

  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.

  Deceptive lending practices, borrowed $1178 and the terms were not clearly outlined in the contract, I made every payment on time and my balance continued to go up, reviews of Acima online are showing people saying the exact same thing, essentially calling Acima loan sharks.

  

  Business Response

  Date: 03/12/2024

  Acima Leasing (hereinafter we, us, our, Acima) received Mr. ******************************* complaint through the Better Business Bureau (BBB) on March 8, 2024, regarding the terms and conditions of the rental-purchase agreement (the Agreement) he entered into.  
  
  ******************** alleges the terms were not clearly outlined in the contract. This is not true. While ******************** does not indicate which terms specifically, he was referring to, we confirm all terms and conditions are contained within the Agreement, and the Agreement is provided in full to Acima customers prior to signing. ******************** may view a copy of the Agreement at any time by logging into the customer portal available at ******************************************. We note that this option has been perpetually available. 
  
  ******************** alleges his balance continued to go up. This is not true. The lease amounts are set at the initiation of the Agreement and have not changed. Pursuant to our records, ******************** had a 90-day early-purchase option available to him through March 6, 2024, which would allow him to purchase the Property by paying $1,198.70 before tax. ******************** contacted Acima two days after this deadline, on March 8, 2024, and as a courtesy, Acima offered ******************** the option to utilize the 90-day early-purchase option for an additional seven days for a $100.00 fee. Please note, that Acima is not obligated to offer an extension under the Agreement; we provide this as a courtesy to help customers obtain ownership of the property early. This fee also does not constitute an increase to ******************** payment obligations. Rather, it was less than the second early-purchase option amount otherwise available at that time. ******************** exercised the 90-day early-purchase option with the extension on that date and has obtained ownership of the property. ******************** has no further payment obligations to Acima. 
  
  ******************** desired amount is billing adjustment. We confirm that ******************** paid less than the agreed-upon amount to obtain ownership of the property and was allowed to exercise the 90-day early-purchase option with the extension upon request. As such, we confirm the adjustment has already been granted.  
  
  We hope this response assists ******************** understanding of the circumstances surrounding his purchase of the property under the Agreement. If ******************** has any additional questions, we encourage him to contact our customer service department at ************.  

• Initial Complaint

  Date:03/07/2024

  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.

  Finance vehicle repairs and those repairs were not adequate. Took the vehicle back just to be hit with an additional $1900 that was supposed to be fixed first time. Business change paperwork submitted to Acima and forced me to sign paperwork to get vehicle back and now refusing to repair vehicle

  

  Business Response

  Date: 03/15/2024

  Acima Leasing (hereinafter “us,” “we,” “our,” “Acima”) received the complaint by Mr. ******** ******* **. through the Better Business Bureau on March 7, 2024. We investigated this complaint and prepared the following response.

  Mr. ******* did not “finance” the referenced vehicle repairs, rather he elected to use our leasing services. On January 24, 2024, Mr. ******* entered an independent third-party retailer – Meckfessel Tire & Auto (the “Retailer”) – located in Belleville, Illinois. While with the Retailer, he applied and was approved for our leasing services. On that same date, he selected property described as "Brakes, control arm” (the “Property”). Acima purchased the Property, and Mr. ******* electronically entered into a rental-purchase agreement (the “Agreement”) wherein he agreed to rent the Property from Acima. Alternatively, he could execute any other early purchase or termination option outlined within the Agreement. 

  Mr. ******* alleges the repairs were not adequate. Acima does not provide a warranty of merchantability or fitness for a particular purpose on the Property as explained in paragraph 7 of the Agreement titled “Maintenance and Warranty.” Should Mr. ******* have any concerns surrounding the repairs, he must contact the Retailer directly.

  Mr. ******* alleges he, “took the vehicle back just to be hit with an additional $1900 that was supposed to be fixed first time.” Acima has been in contact with Mr. ******* which prompted an investigation of a similar claim. After direct contact with the Retailer and additional documentation, we confirmed the agreement is correct. The Retailer confirmed Mr. ******* only authorized part of the necessary work to be completed, therefore we confirm the Retailer completed the work for the Property being leased with Acima. Any additional repairs would need to be discussed directly with the Retailer.

  Furthermore, Mr. ******* alleges “[The Retailer] forced [him] to sign paperwork to get the vehicle back...” Pursuant to paragraph 5 of the Agreement, “If you do not want to lease the Property but would rather purchase the Property now, you should consider cash or credit terms that may be available to you.” Please note, Acima was not a present party to the negotiations between Mr. ******* and the Retailer. However, we deny that Mr. Woods was forced to enter the Agreement with Acima. It was Mr. *******’s responsibility to consider options available to him and we confirm he voluntarily chose to enter into the Agreement.

  As we have provided a thorough response and are awaiting further documentation, we consider this complaint closed. If Mr. ******* has general questions in regard to Acima, she may contact our customer service department at ###-###-####. If he obtains the requested supporting documentation, he may provide this information to our fraud department at **************** 

• Initial Complaint

  Date:03/05/2024

  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 made a purchase in 2023 & went through Acima. I returned an item that I have sent proof of not having (I sent them the tracking number) & I have overpaid on the items that I have. I have contacted them on several occasions with no solution. They instructed that I send a email to the resolution department which I did & no one has reached out. They are still taking payments out when it’s actually paid in full.

  

  Business Response

  Date: 03/15/2024

  Acima Leasing (hereinafter “us,” “we,” “our,” “Acima”) received the complaint by Ms. ******** ****** through the Better Business Bureau on March 5, 2024. We investigated this complaint and prepared the following response.

  Pursuant to our records, on September 15, 2023, Ms. ****** visited an independent third-party retailer site – Wayfair (the “Retailer”). While on the Retailer site, she applied and was approved for our leasing services. On that same date, she selected property described as “1x Dangvivi Vegan Leather Salon Chair - $208.96 1x Zimtown Wood Storage Cabinet - $107.51 1x K-Salon Plastic Freestanding Hair Dryer - $108.58 1x Trent Austin Design® Kempst Corner End Table Shelf, 3-Tier Display Shelves with Protection Door, Metal Frame Storage Cabinet Org - $68.99” (the “Property”). Acima purchased the Property, and Ms. ****** electronically entered into a lease-purchase agreement (the “Agreement”) wherein she agreed to rent the Property from Acima. Pursuant to the Agreement, to obtain ownership of the Property Ms. ****** was required to make 24 semi-monthly lease renewal payments of $43.05 before tax, plus an initial rent payment of $45.00 before tax for a total of $1,078.08 (the “Total of Payments”) before tax. Alternatively, she could execute any other early purchase or termination option outlined within the Agreement.

  Acima offers two Early Purchase Options (“EPOs”); each of which reduces the cost of ownership to the customer and terminates the Agreement prior to the completion of all scheduled rent renewal payments. The first EPO is a 90-Day EPO wherein a customer can obtain ownership of the property within 90 days of receiving the property by paying the purchase price. Ms. ****** had a 90-Day EPO purchase price of $569.04 before tax which expired on December 19, 2023. 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.

  Ms. ****** claims, “[she] returned an item that [she has] sent proof of not having...” We confirm the Retailer updated her invoice to account for the returned item on September 27, 2023. This update in turn adjusted the Agreement (the "Adjusted Agreement"). Pursuant to the Adjusted Agreement, Ms. ****** had a 90-Day EPO purchase price of $476.64 before tax which expired on December 19, 2023. Therefore, we confirm the lease was properly adjusted for the returned item.

  Furthermore, Ms. ****** alleges, “[Acima is] still taking payments out when [the lease is] actually paid in full.” As of January 31, 2024, Ms. ****** has paid $396.50 before tax. Ms. ****** did not meet amount to purchase within the 90-day EPO, so her lease is continuing for the agreed-upon terms. The second EPO is still available to Ms. ****** and will be until the end of the lease term. Alternatively, if Ms. ****** does not wish to execute a purchase option outlined in the Adjusted Agreement, she may terminate the Adjusted Agreement at any time without penalty, pursuant to paragraph 9 of the Adjusted Agreement titled, “Termination."

  Ms. ****** has listed “billing adjustment” as her desired resolution. Given the facts stated above, we confirm the lease was adjusted on September 27, 2023. As such, we consider this matter closed. If Ms. ****** has additional questions or would like to remediate her past due balance, she may contact our recovery department at ###-###-#### for assistance.