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:12/28/2023

  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 am not liable for this debt with ACIMA DIGITAL FKA SIMP I have no knowledge of this account. I also was not able to even locate them in your system. ACIMA DIGITAL FKA SIMP did not provide me with the contract as requested I have not contract with ACIMA DIGITAL FKA SIMP.

  

  Business Response

  Date: 01/02/2024

  Acima (hereinafter we, us, our) received the complaint filed by *********************************** through the Better Business Bureau on December 26, 2023. We investigated his complaint and prepared the following response.  
  
  Pursuant to our records, on June 19, 2022, ************************ entered an independent third-party retailer Badcock (the Retailer) located in ***************, *******. While with the Retailer, he applied and was approved for our leasing services. On that same date, ************************ selected the property described as a QUEEN SIZE **** (the Property). Acima purchased the Property, and ************************ electronically entered into a rental-purchase agreement (the Agreement) wherein he agreed to rent the Property from Acima. Pursuant to the Agreement, to obtain ownership of the Property ************************ was required to make 26 bi-weekly rent renewal payments of $73.42, plus an initial rent payment of $50.00, for a total of ******** (the Total Cost). Alternatively, he could execute any other early purchase or termination option outlined within the Agreement.    
  
  ************************ alleges, [we] did not provide [him] with the contract as requested. We reviewed our records and confirmed ************************ has not previously requested a copy of the Agreement. We confirm ************************ was provided a full copy of the Agreement when he entered the lease. ************************ may also view a copy of his Agreement at any time by logging into the Acima customer portal located at ******************************************************************;
  
  ************************ claims he is not liable for this debt and that he does not have a contract with Acima. If ************************ believes his identity was used to fraudulently create this lease, we request he file a police report and provide us with a full and complete copy of the same at ******************************* 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 terminate this lease and remove all reporting of it from the credit bureau.  
  With the absence of proof of fraudulent activity, we will not terminate the lease nor remove reporting.  Please note that Experian is the only national credit bureau to which Acima reports to. 
  
  As we are awaiting additional documentation, we consider this complaint closed. If ************************ has any additional questions regarding this response, he may contact our recovery department at **************. If he obtains the requested supporting documentation, he may provide this information to our fraud department at ******************************* 
  

• Initial Complaint

  Date:12/28/2023

  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.

  Im not liable for this debt with ACIMA DIGITAL FKA SIMP and I do not have contract with this agency reporting on my credit report never signed a contract or a physical agreement and never provide me with a contract that I requested

  

  Business Response

  Date: 12/29/2023

  Acima (hereinafter we, us, our) received the complaint filed by ************************************* through the Better Business Bureau on December 28, 2023. The identifying information provided by ********************** does not sufficiently match any leases in our system. Please note, this does not mean there is no lease potentially belonging to **********************. As ********************** is asking for the removal of our reporting, we request he either provide evidence of the reporting, or further identifying information utilized in his application for our services. ********************** may either provide this via the Better Business Bureau complaint portal or reach out to us directly at ********************************************************* so we may assist him further. ********************** may either contact us at the email address listed above, or by phone at ************ with any questions.  

• Initial Complaint

  Date:12/28/2023

  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.

  The author is expressing their frustration with Acima representatives regarding their account ownership and their lack of transparency and open communication. They have requested crucial documentation, including a copy of the contract, signature, driver's license, and social security information, but Acima has not provided accurate information. The author requests that Acima provide the necessary proof to substantiate their claim of sole responsibility for the debt. They believe there is a lack of transparency and cooperative communication, which are necessary for resolving the situation. If Acima has the necessary documents, the author requests them to provide them immediately for a fair and efficient determination. If intimidation methods are not available, the author demands the immediate removal of the tradeline and halting intimidation methods. They appreciate the patience and cooperation in resolving the situation as soon as possible.

  

  Business Response

  Date: 12/29/2023

  Acima (hereinafter we, us, our) received the complaint filed by *************************** through the Better Business Bureau on December 28, 2023. The identifying information provided by ************** does not sufficiently match any leases in our system. Please note, this does not mean there is no lease potentially belonging to **************. As ************** is asking for verification of the debt in question and the removal of our reporting, we request she either provide evidence of the reporting, or further identifying information utilized in her application for our services. ************** may either provide this via the Better Business Bureau complaint portal or reach out to us directly at ********************************************************* so we may assist her further. ************** may either contact us at the email address listed above, or by phone at ************ with any questions.   
  

  Customer Answer

  Date: 01/02/2024

   
  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:12/26/2023

  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 have tried explaining multiple times to Acima that I did not receive service. The owner of the company got sick, he kept postponing the service. Eventually he left the company, I went there to explain i no longer needed the service and was advised ************ would be terminated. After countless calls, i was unable to get the proper documentation showing that the service was cancelled. i also requested the original document of service and was not provided that either. The original company i was supposed to get the service from is no longer open.

  

  Business Response

  Date: 12/28/2023

  Acima (hereinafter we, us, our) received the complaint filed by ****************** ******* through the Better Business Bureau on December 26, 2023. We investigated this complaint and prepared the following response.
  
  ****************** claims she did not receive the property which is the subject matter of her rental-purchase agreement (the Agreement) with Acima. Pursuant to our records, on January 02, 2021, ****************** entered an independent third-party retailer Discount Tire Store (the Retailer) located in *****, *******. While with the Retailer, she applied and was approved for our leasing services. On that same date, she selected property described as TIRES (the Property). Acima purchased the Property, and ****************** electronically entered into a rental-purchase agreement (the Agreement) wherein she agreed to rent the Property from Acima. Pursuant to the Agreement, to obtain ownership of the Property ****************** was required to make 26 biweekly lease renewal payments of $129.69 before tax, plus an initial rent payment of $50.00 before tax, for a total of $3,421.88 (the Total of Payments) before tax. Alternatively, she could execute any other early purchase or termination option outlined within the Agreement. As of todays writing, ****************** has paid $179.69 in rent payments before tax. Her lease is ***** days delinquent and has a past-due balance of $3,482.19 before tax, which includes $3,242.19 in past-due rent and $240.00 in accrued fees.
  
  ****************** alleges that After countless calls, [she] was unable to get the proper documentation showing that the service was cancelled. Acima confirms that we spoke on several occasions with ****************** who alleges that she did not receive the Property. However, upon investigation Acima spoke with the Retailer on March 1, 2022, who confirmed ****************** did take possession of the Property. As there is contradictory information, we encourage ****************** to contact us at ************ so we can arrange a conference call between Acima, the Retailer, and her in order to reach a resolution to this matter.
  
  ****************** listed her desired resolution as this item be removed from [her] report. We will not ***** this request. We confirm our reporting is authorized under the Agreement and Acima is obligated to report correct and accurate information.
  
  If ****************** has any questions or concerns specific to her lease or would like to assistance in reaching a resolution, she may contact our customer service department at **************. 

  Customer Answer

  Date: 12/28/2023

   
  Complaint: 21059073
  
  I am rejecting this response because I did not receive any tires from the company. I called and explained that several times. I had the same tires on the vehicle until one got a nail in it and I replaced it at a tire shop by my job. I didnt apply for anything, the person offering the service applied online, he already had my information due to an in-house financing program they offered. He explained the payment made was for a downpayment. The tires for my car would not have cost $3200, the establishment was mechanic service that only offered used tires. 
  
  Sincerely,
  
  Essence *******

  

  Business Response

  Date: 12/29/2023

  As indicated in our prior response, Acima reached out directly to the retailer on March 1, 2022, who confirmed that ****************** did, in fact, receive the Property, namely TIRES as described in the Agreement. We encourage ****************** to reach out to Acima directly at ************ so we may arrange a three-way call between herself and the retailer, to resolve this matter.  

  Customer Answer

  Date: 01/02/2024

   
  Complaint: 21059073
  
  The company is closed, Im not sure how a two way can be attempted. However, I will call the number provided. 
  
  Sincerely,
  
  Essence *******

  

  Business Response

  Date: 01/09/2024

  Acima confirms receipt of Ms. ******** second rejection. We will reach out to her directly to resolve this matter.  

• Initial Complaint

  Date:12/26/2023

  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 accuracy and completeness of certain charge off account appearing on my credit report. A allowed under 15 U.S.C. 1681E(J) of the FCRA. I have attached proof of the charge off and its reporting. There shouldn’t be a balance, the balance should be 0. Please remove this Charge offs from my credit report because you are continually reporting charged off status in the payment history. You cannot report a payment history on a dead account and it falsely manipulates the statute of limitations on when this account is supposed to fall off. 2. Discrepancy Details
  I dispute the accuracy of the charge off information related to the above-mentioned account, as it is not consistent with my records and my understanding of the terms of this account. This account was charged off . Furthermore, I have reasons to believe that the reported balance is not accurate. I can seek damages for reporting information after notice and confirmation of errors according to 15 USC1681s-2A.
  Are you aware that your also committing tax fraud? And this could be reported to the IRS.
  I would like this account deleted for continuing to report inaccurate information.

  

  Business Response

  Date: 12/28/2023

  We were unable to locate a lease account in our system matching the identifying information that Ms. **** 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 credit reporting department by email at **************************, regarding matters related to credit disputes. 

  Customer Answer

  Date: 12/28/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: I sent a copy of the account reporting not sure why you cant locate it but still reporting. However, here is some extra identifying information that can assist in the location of the file which is a closed charged off account being reported each month.

  ****** ****

  ********, xxx-xx-****

  **** *** **** ** *** ****
  PHILADELPHIA, PA 19126-2225
  
  
  
  Sincerely,
  
  
  
  ****** ****

• Initial Complaint

  Date:12/26/2023

  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.

  This company falsely presents a service in which you finance a purchase through them and pay nothing additional so long as it is paid off in 90days. However immediately adds on fees. I made a purchase for $350 two days ago and the pay off amount today was $495, I paid a total of $522 after Acima additional charges for an item that only cost $350 and I paid it off in 3days. When I realized I’d been scammed I paid off the entire balance before that began to charge me anything more. This company needs to explain to consumers in plain language & not any deceitful fine print that they will be immediately charged additional amounts upon signing.

  

  Business Response

  Date: 01/02/2024

  Acima received the complaint filed by Ms. ******** ******** through the Better Business Bureau on December 26, 2023. We investigated her complaint and despite numerous attempts, Acima has been unable to reach Ms. ******** to address her concerns. Without the ability to communicate with Ms. ********, we are unable to resolve this complaint. As such, we consider this complaint closed. Ms. ******** may contact Acima at ###-###-#### in order to resolve this complaint. 
  

• Initial Complaint

  Date:12/22/2023

  Type:Delivery 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 leased a dining set with chairs from ****** through Acima and I paid the initial fees. It has now been a few weeks that I am STILL trying to figure out the status and delivery date. I have called and chatted with Acima MULTIPLE times AND ALWAYS GET A RUN AROUND. They give a number to call thats not in service. They tell me to call rent a center, they have no clue whats going on.

  

  Business Response

  Date: 12/29/2023

  As of todays writing, Acima (hereinafter us, we, our) received notification that the leased property has been received by the courier and they will reach out to her shortly. If ******************** has additional questions or concerns, she may contact us at ************. 

• Initial Complaint

  Date:12/21/2023

  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 am not liable for this debt with Acima digital fka, I do not have a contract with Acima digital fka simple. They did not provide me with the original contract as I requested.

  

  Business Response

  Date: 12/27/2023

  Acima (hereinafter we, us, our) received the complaint filed by ****************** through the Better Business Bureau on December 21, 2023. Acima has searched our database and was unable to locate the agreement referenced in ****************** complaint. Please be advised, this does not mean that a rental agreement does not exist under another spelling, name, or other classification. ****************** may respond to this complaint with additional identification information, such as the lease number, so we may better assist them with their concerns. She may also choose to dispute the reporting through Experian, as they will forward the dispute to us directly so that we may investigate.
  
  Until Acima receives the requested information, we are unable to address this complaint. ****************** may contact ** at ************** with any additional questions. 

• Initial Complaint

  Date:12/18/2023

  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 do not have a contract with Acima Digital FK sample. They did not provide me with the original contract as requested.

  

  Business Response

  Date: 12/20/2023

  Acima (hereinafter we, us, our) received the complaint filed by *************************** through the Better Business Bureau on December 18, 2023. Acima has searched our database and was unable to locate the agreement referenced in **************** complaint. Please be advised, this does not mean that a rental agreement does not exist under another spelling, name, or other classification. ************** may respond to this complaint with additional identification information, such as the lease number, so we may better assist them with their concerns. He may also choose to dispute the reporting through Experian, as they will forward the dispute to us directly so that we may investigate. 

  Until Acima receives the requested information, we are unable to address this complaint. ************** may contact us at ************** with any additional questions. 

• Initial Complaint

  Date:12/17/2023

  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 furniture from this company in November 2023.i did not receive it due to the fact the business owner ***** furniture and 2 of his delivery guys kept calling me and my relative whom is visually impaired in her right eye .we felt ver uncomfortable as two African American woman supporting another minority other than ours business. Whir was. Dry pushy and aggressive and rude.***** city park worker and I had to rush home from work early be home for the delivery to get a call 5:40 pm that the driver changed his mind and him and his drivers were constantly harassing us to from that time till 8 pm than the day after they called to try to force us to make a delivery after they were being harassed,overtalked ,racially discriminated and made to feel less than because of our gender.they were very unprofessional and made us feel low.we contacted aci a and complained to Acima 2 weeks ago going on three and they are still charging us as if we have the furniture.when I told them I declined doing business with ***** furniture I had them on the phone with a ima and the said they were making a report about the issue once they over heard the owner ***** answering than hanging up on a recorded line with a a ima representative.acima call me December 9,2023 to tell me they called the owner and he acted oblivious to what was going on when I told acima my situation several times .the representative told me and ***** said I have to wait 3 payments for them to fix the issue.in still being charged and receiving calls and emails about me having a balance for furniture I and me relative declined after a uncomfortable situation with men running a customer service/furniture company. I hope I will be compensated and this issue with my credit from this situation with the company and this furniture store committing fraud.I asked for a cancellation application ***** refused to give it to me and my relative that made the purchase telling us acima has to do it.All I ask is for my money and my relative money. Ack and my documents with my information with my id and social on it,my relative had to get hers by bringing her boyfriend to ask for her information and to make her feel safe age the harassment phone calls and disrespectful mess from his business and acima.

  

  Business Response

  Date: 12/27/2023

  Acima received the complaint filed by ************************************ through the Better Business Bureau on December 18, 2023. We have investigated her lease, and as **************** and the retailer have both indicated she does not have the property that is the subject matter of her rental-purchase agreement, we have terminated the rental-purchase agreement. **************** has no payment obligations to Acima. **************** may contact our customer service department at ************ with any additional questions.