ComplaintsforAcima

• Initial Complaint

  09/13/2024

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  I called Acima at 10:46 on Thursday to cancel my agreement and return items. I was told items would be picked up between 12-2 on Friday. No one ever came. I contacted the store (Luxury Home Furniture) they said they don’t know anything about it. I contacted Acima no one picks up the phone now. I just want to return the items. I was under the impression that everything was submitted yesterday.

  

  Business response

  09/16/2024

  Acima Leasing (hereinafter “we,” “us,” “our,” “Acima”) confirms receipt of the complaint filed by Mr. Terrance White through Better Business Bureau on September 13, 2024. We reviewed Mr. White’s lease and confirm he recently spoke to our resolutions department on September 13, 2024, regarding the return. For assistance regarding returns, we kindly request he contact our resolutions department at (801) 297-1986, so we can assist him directly with the matter.  

  

  Business response

  09/20/2024

  Acima Leasing confirms a pickup of the merchandise was completed today, September 20, 2024, and we have been in communication with Mr. White by phone. As such, we consider this complaint closed. We confirm we do not “screen” calls, and Mr. White may contact us at ***** ******** with further questions, or via our chat feature located on acima.com.  

  Customer response

  09/23/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID 22283167, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  Terrance White

• Initial Complaint

  09/13/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I purchased a cart through Wayfair and returned it within the 30 days. The financing was done through Acima to be payed off interest free in three months. Its been one week since returning it and I’m getting collection calls. A lot of them. I had already paid them $50 and was expecting a refund. I’ve called three times to get this straightened out, once with a three way call with Wayfair. Then again where I was on hold for 30 minutes and gave up. I’m being told as of today I owe $276.00 to them. I need help. These people are loan sharks!

  

  Business response

  09/18/2024

  Acima Leasing (hereinafter “us,” “we,” “our,” “Acima”) received the complaint by Ms. Melanie Miller through the Better Business Bureau on September 13, 2024. Upon the receipt of this complaint, the status of Ms. Miller’s lease has been updated. We confirm Ms. Miller’s has been terminated and we confirm she has no further payment obligations to Acima. Additionally, her refund was initiated September 18, 2024, for the initial payment. 
  
  If Ms. Miller has any questions or concerns in regard to her terminated lease, he may contact our customer service department by phone at (801) 297-1982.
  

  Customer response

  09/20/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID 22282396, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  Melanie Miller

• Initial Complaint

  09/11/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  9/10/2024 a payment of $660.51 was charged to my bank account, which fully paid off my loan. The next day they attempted to change another regular payment, and since then they have been sending messages saying my payment is late. This is absolutely unacceptable. I completed my financial obligation to this company, any further attempts to collect will be treated as fraud.

  

  Business response

  09/16/2024

  Acima Leasing (hereinafter us, we, our, Acima) received the complaint by *************************************** through the Better Business Bureau on September 11, 2024. Upon the receipt of this complaint, the status of Mr. ********** lease has been updated. We confirm ********************** has purchased the Property and we confirm he has no further payment obligations to Acima.
  
  If ********************** has any questions or concerns in regard to his purchased lease, he may contact our customer service department by phone at **************. 

  Customer response

  09/17/2024

   
  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

  09/09/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Date of Lease agreement - March 18th, 2024 Period to purchase property - 90 Days Full payment was made before the 90th day, but ACIMA didn't take the payment out on the same day and it took them days to process the payment on their end. Even though I was not late to make the final payment, ACIMA had in on a contract that they would charge a late fee if the payment was late. Instead of charging the late fee, ACIMA started charging us extra that they wanted to charge if the payment was not cleared by the period of time they offered.

  

  Business response

  09/13/2024

  Acima Leasing (hereinafter “us,” “we,” “our,” “Acima”) received the complaint by Mr. Ranjit Singh through the Better Business Bureau on September 9, 2024. We investigated this complaint and prepared the following response.
  
  As a courtesy to the customer, Acima offers two early purchase options (“EPOs”); each of which reduces the cost of ownership to the customer and terminates the rental-purchase a (the “Agreement”) earlier than the total scheduled rental renewal periods contained within. 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 disclosed 90-day EPO purchase price. Mr. Singh had a 90-day EPO purchase price of $1,800.00 before tax which expired on June 19, 2024.
  

  Mr. Singh alleges “90 Days Full payment was made before the 90th day, but ACIMA didn't take the payment out on the same day and it took them days to process the payment on their end.” There is no record of an attempt by Mr. Singh to purchase the lease on June 19, 2024. Furthermore, our records show that Mr. Singh initiated two one-time payments prior to his 90-day EPO on June 19, 2024. The payment from June 9, 2024, failed due to non-sufficient funds. The second payment from June 16, 2024, would be successful. However, the 90-day EPO purchase price was not met by the expiration date. We confirm there was no discrepancy with our payment systems on this date and deny the allegation. 
  
  Mr. Singh claims that “ACIMA started charging us extra that they wanted to charge if the payment was not cleared by the period of time they offered.” We deny this claim. Acima does not charge extra, the Total of Payments is determined upon initiation of the Agreement. The Total of Payments does not change or increase. Mr. Singh did not exercise his 90-Day EPO on or before the deadline indicated, and as such the option expired. The second EPO, detailed in the same paragraph, stipulates a customer may obtain ownership at any point after the first 90 days by paying a lump sum payment equivalent to 55% of any remaining renewal payments plus any past-due rent. This option is still available to Mr. Singh and will be until the last rent-renewal payment is due.
  
  We hope this explanation helps Mr. Singh understand the function of the Agreement and the purchase terms therein. If Mr. Singh wishes to utilize the purchase options that are available to him or make up his past-due balance, we encourage him to contact our recovery department at (801) 297-1983.

• Initial Complaint

  09/08/2024

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  Hello, I received several emails from a company named Acima regarding to a lease agreement ( I never applied for) as well as was also pre approved $2,300.00 for Rock gold and jewelry Syracuse (never heard of this jewelry place in Syracuse, it also stated I was approved for $3,400.00 and received a receipt for purchase with Jazmine Jewelry NYC in the amount of 76.21 transaction was made 5.8.2024 leasing number ********. (I never purchased anything) I contacted your company last week August 6, 2024 after I received a text stating they needed a Photo I.D for a lease with Jazmine Jewelry NYC (Never heard of this place as im in Syracuse, NY. I opted out of text afterwards because i never purchased anything. I contacted Acima and spoke to a representative names George and explained to him the situation. George let me know Acima take fraud seriously and I will receive a call within 3-5 days in regard to filing a fraud report. It is now Tuesday August 13, 2024 I received a missed call while working. I called back and spoke to a different representative and she gave me the run around and was unable to assist with anything. That I needed to file a police report (which the last time i did they never showed, the next day showed up and took my statement and did nothing. Also, the representative I spoke with told me send an email to their fraud department as they don't have a fraud number to be reached on. I take fraud seriously myself being a victim of identity and here I am again being scammed, and been working extra hard to have fixed and handle. Now yesterday, I received an email that my account password was reset with a verification number. I called today, the automated system asked for year of birth and last 4 of s.s. i put it in and it stated : 398.76 passed due, 125.19 due on Sept 9 and total balance 627.27. I did not purchase any jewelry or have an account with Acima or even requested this. I need help, and no one is helping me figure this out

  

  Business response

  09/10/2024

  We confirm Acima has previously provided Ms. Patterson with steps to resolve this matter. Upon receipt of the requested documentation, we will further our investigation into her identity theft claim. Ms. Patterson may send us the police report at [email protected].   

  Pursuant to Ms. Patterson’s request, we placed a do-not-contact order on her lease. She will no longer receive communications from Acima. 

  Customer response

  09/10/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID 22257027, and find that this resolution is satisfactory to me.
  I will send my police report when it becomes ready in 5-7 business day. 
  Sincerely,
  
  Valia Patterson

• Initial Complaint

  09/06/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Reached out to ACIMA chat on 9/4/24 regarding total payment not calculating correctly. I have made 14 successful payments totaling $354.19.....ACIMA is stating that those transactions add up to be $354.17.....I get it that its 2 cents, but that is 2 cents that I DID pay! If they will do this kind of stuff to EVERY customer, then they will rack millions easily. I have the chat transcript of the rep ADMITTING that MY calculations are CORRECT and the supervisor will correct it, then minutes later it is said I have to send bank statements. I downloaded bank statements,& blacked out personal info (beginning/ending balance, other irrelevant transactions,etc.) I only showed EVERY ACIMA transaction. I get a response saying Im not allowed to block out that info and I have to show my beginning/ending balance, etc. WHICH HAS NOTHING TO DO WITH THE PAYMENTS!!!! Here are ALL my transactions. Do the math for yourself and see that it comes to $354.19!!!!!! 21.40 21.40 34.51 26.75 13.11 7.76 32.10 2.41 53.50 18.46 16.05 15.52 37.72 53.50 A customer does NOT have to provide PERAONAL info such as beginning/ending balance on a bank statement. Plus, ACIMA has ALL transaction history on their damn end. DO THE RIGHT THING AND FIX MY BALANCE! I will NEVER again use this sorry company. NEVER. I WILL be filing a civil lawsuit if its not corrected before Oct 2024. I don't give a damn if it's TWO CENTS. I PAID IT! this company needs to be shut down COMPLETELY!!

  

  Business response

  09/10/2024

  We appreciate Mr. Green bringing this to our attention. We have escalated this to our Engineering Team for review; however, we granted his request in the meantime. As such, we consider this matter closed.  

  Customer response

  09/10/2024

   
  Complaint: 22250451
  
  I am rejecting this response because: "in the meantime" is unacceptable.  This credit will be posted to my account INDEFINITELY and absolutely no other changes will be made. I made all payments and do not consider "in the meantime" acceptable. Acima knows I'M correct. So just ADMIT yall are scammers! 
  
  Sincerely,
  
  Jason Green

• Initial Complaint

  09/05/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I recently reviewed my credit report and identified several inaccuracies. As a victim of identity theft, I have reported this matter to the Police. The following account does not belong to me. Please remove the account from my credit report. -------------------- ACIMA DIGITAL FKA SIMP Opened:4/1/2021 Ac number:*******

  

  Business response

  09/06/2024

  Ms. Baxter alleges she is a victim of identity fraud and has reported this matter to the police. We request Ms. Baxter provide us with the corresponding police report at ***************. Upon receipt of the requested documentation, we will further investigate Ms. Baxter's allegations.
  
  As we are awaiting additional documentation, we consider this matter closed.  

• Initial Complaint

  09/04/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On August 3rd of this year I received a charge from Acima Digital for $123.20. I called their number and it said I had no active account. I called my bank and reported it as fraud. The charge appeared again on my new debit card on the 3rd of this month. I called my bank again, and they said it was through a digital wallet via Rent-a-Center...I have no active account with them either.

  

  Business response

  09/09/2024

  Acima Leasing (hereinafter us, we, our, Acima) received the complaint by Mr. *********************** through the Better Business Bureau on September 4, 2024. We investigated this complaint and prepared the following response. 
  
  Acima takes fraud allegations seriously. We request that ****************** provide us with any documentation substantiating his allegation, including a bank statement showing the unauthorized charge at ******************************* Additionally, we request ****************** file a police report or a ************************ Identity Theft Affidavit and provide us with a full and complete copy. Upon receipt of the requested documentation, we will further investigate his allegation. 
  
  As we are awaiting additional documentation, we consider this complaint closed. If ****************** has any additional questions regarding this response or obtains the requested supporting documentation, he may contact our fraud department at ******************************* If ****************** has any questions or concerns, he may contact our processing department by phone at **************. 

• Initial Complaint

  09/04/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  About a year ago, I purchased a dream cloud mattress with Acima through the 90-day pay off program. This mattress came with a trial period, offered by the retailer, for a year after purchase. I have decided to return the mattress with dream cloud, but Acima has been difficult and refused to provide information on how I can receive my funds back. Since Acima is the payment issuer from the original date of purchase, my return funds are being issues back to them. I called trying to get help with figuring out how I would receive these funds from them, as I no longer have the account that is linked to my Acima profile. Is there a way to have these funds mailed to me, or sent to another banking institution that belongs to myself? No one was helpful on the phone, some information would be great.

  

  Business response

  09/13/2024

  Acima Leasing (hereinafter “we,” “us,” “our,” “Acima”) confirms receipt of the complaint filed by Mr. Gage Faust through the Better Business Bureau. We confirm the lease has been terminated, and a refund initiated to Mr. Faust as of September 12, 2024. As such, we consider this complaint closed. Mr. Faust may reach out to us at (801) 297-1982 with any additional questions.  

• Initial Complaint

  09/03/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Acima has reported a debt with my name on it damaging my credit. I have spoken with them several times over the course of the years and the most recent call was today. They refusal to remove this from my credit when I repeated to them that although I apply for the loan the merchandise was never received. LA furniture never release the furniture due to I was unable to pay for the remainder due on my part. Instead of returning the money to Acima they collected the funds and supposedly receipt are not find due to they do not keep records from more than 6 months. This debt is affecting my credit. There is a record of lease that was never kept due to I never received the merchandise. I would have thought that the store will return the funds die to I didn't pay my part. I received bo merchandise at all. Someone needs to please help. I am trying to fix my life here. I do not posses no furniture from this people.

  

  Business response

  09/06/2024

  Acima Leasing (hereinafter “we,” “us,” “our,” “Acima”) received the complaint filed by Ms. Jennifer Rios-Diaz on September 3, 2024, concerning credit reporting. We reviewed her complaint and provide the following response.  
   
  Ms. Rios-Diaz alleges she never received the property from the retailer. Pursuant to our records, the retailer electronically verified Ms. Rios-Diaz was in possession of the property on July 31, 2021. We spoke with Ms. Rios-Diaz several times concerning her rent payments until October 28, 2021, on which date, Ms. Rios-Diaz requested no further calls from Acima, and we accordingly placed a no-call order on her lease. Ms. Rios-Diaz did not indicate to us that she had not received the property at that time. The next time we spoke with Ms. Rios-Diaz was on September 3, 2024. During this call, Ms. Rios-Diaz claimed she never received the property. We indicated to her we would perform an investigation, and Ms. Rios-Diaz disconnected the call. If Ms. Rios-Diaz has additional information to support her claim, we request that she email our resolutions department at *********************, for our review.  
  As Acima is already investigating Ms. Rios-Diaz's claims separately, we consider this complaint closed. Ms. Rios-Diaz may contact our resolutions department at (801) 297-1986 with further questions or documentation to substantiate her claim.  

*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. ↩