Customer ReviewsforHome Acceptance Corporation

I am writing this review to share my disappointing experience with Home Acceptance Corporation. Unfortunately, my encounter with this company has been nothing short of a nightmare.First and foremost, I was charged a staggering $6000 through a company affiliated with Home Acceptance Corporation for a cookware set that I ordered, thinking it would be maybe a couple hundred dollar loan. The transaction was shrouded in ambiguity, as I was not provided with clear details regarding the charges nor was I properly briefed on the terms of the loan.Upon realizing the exorbitant charge on my account, I promptly returned the cookware to the associated company, Pasanante, in hopes of resolving the issue. However, instead of addressing my concerns, I was given replacements that amounted to a mere fraction of the initial cost approximately $500 worth of items. This blatant disregard for fair compensation is deeply concerning and indicative of deceptive business practices.To add insult to injury, despite my attempts to rectify the situation by returning the items and expressing my willingness to settle the matter, Home Acceptance Corporation has resorted to legal action against me for non-payment. Despite their initial claim that the loan was tied to the items, they now refuse to accept the returned merchandise.The lack of transparency, coupled with the company's refusal to acknowledge their wrongdoing and cooperate in finding a resolution, speaks volumes about their integrity and commitment to customer satisfaction. I urge prospective clients to exercise caution when dealing with Home Acceptance Corporation, or Pasanante as my experience serves as a cautionary tale of hidden charges, unscrupulous practices, and a blatant disregard for consumer rights.In conclusion, my interaction with Home Acceptance Corporation has been nothing short of a harrowing ordeal, and I implore others to steer clear of this company to avoid falling victim to similar injustices.

In October of 2021 ************** purchased a large gourmet food order and a freezer from ***************************** (***********). They chose to finance their purchases rather than pay cash. To do so they entered into written Retail Installment Contracts (***) with ***********. In addition to the financing terms, among other terms, the contracts contained a three day right of rescission. The ***s did not exercise the right of rescission, but went forward with their purchase after that cooling off period. Shortly thereafter, *********** assigned the ***s to Home Acceptance Corporation (HAC). HAC is a finance company that purchases ***s from numerous merchants in many different lines of business. *********** is one of those merchants. They have thousands of satisfied customers and have an A+ rating with the BBB. Prior accepting assignment of the **** *** spoke with Mrs. *** on the telephone. We confirmed with her that she understood and agreed to all the terms of the ***s including the monthly payment amount, the due date and the number of payments. We also asked if she was happy with all the items she received from ***********. She confirmed that she was. Relying on that, HAC went ahead with the purchase of the ***s. *** then sent the ***s a Notice of Assignment letter. The letter informed them that *********** had assigned and transferred its *** with them to HAC; it gave them notice of the *** account balance, the scheduled monthly payment amount and the next payment due date. Additionally, it requested them to inform *** in writing within 30 days from the date of the Notice of Assignment if the *** account information was inaccurate or if they had any dispute related to the *** or their purchase so that any conflicts could be resolved. They never submitted a dispute as requested in the notice of assignment letter. The ***s made their monthly payments as agreed.Then, 7 months later, in May of 2022, the ***s placed a second order with ***********. In addition to another large gourmet food order, they purchased other items which included a 24 piece set of stainless steel cookware. Again, the ***s chose to finance their purchase and executed ***s to do so. Those ***s also contained the three day right of rescission which the ***s did not exercise. HAC went through the same welcome and confirmation procedure prior to purchasing the new ***S. We again spoke with Mrs. ***. She confirmed each term of the contracts and assured us that she was happy with everything that was delivered. HAC purchased the ***s. HAC sent the Notice of Assignment letter again providing them with the 30 day dispute provision. The ***s never submitted a dispute. The ***s began making their monthly payments on the new ***s. Months later, in August of 2022, apparently the ***s decided they did not want the cookware set anymore and called *********** asking for an exchange. Contrary to what Mr. *** states in his complaint, ***********, without any obligation to do so, offered to exchange the cookware for other items the ***s said they wanted would receive more satisfaction from and, in addition, offered to maintain a 50% lifetime discount off any future food purchases the ***s might make from *********** on the condition that the ***s reaffirm their obligations under the ***s and continue to make the monthly payments they had agreed in writing to make as set forth in the ***s. Apparently the ***s thought the offer was fair and satisfactorily addressed their concerns because they agreed to accept the offer from ***********. That offer was made in writing and accepted, in writing, by Mr. ***. Now, nearly one and a half years after he agreed to and accepted the offer in writing and accepted the exchange items and the discount from ***********, Mr. *** complains that his concerns were not addressed and the matter was not resolved. But the ***s did, in fact, accept the exchange products specified in the written settlement agreement and further ratified the settlement by making the monthly payments they agreed to make for several months. However, after a while, HAC began having some payments returned NSF. Eventually all payments stopped completely. HAC took every reasonable action to ensure the ***s understood and concurred with every term of their agreements. We gave them ample time to review and inspect the documents and the purchases they made. They assured us orally and in writing that everything was to their satisfaction. They assured us they would pay us for that financing of their purchases. HAC is and has been more than willing to work out a payment plan with the ***s. We made numerous attempts over several months through calls, mail, email and texts to work out arrangements with the ***s for them to be able to pay the amounts they agreed to pay to HAC. Those attempts were stonewalled with silence. The ***s refused to keep their written promises. They were informed that if they continued to refuse to pay, *** would have no choice but to pursue legal action to collect the amount that HAC was owed. Unfortunately, the ***s refused to pay their accounts and refused to come to any reasonable arrangement to satisfy their debts. The accounts were charged off. *** then took the first steps in pursuit of the legal remedy the ***s forced upon *** to collect the money HAC is owed. It appears this review was filed not for legitimate purposes, but for the sole purpose of using the BBBs website as a foil to attempt to undo the written agreements promising to pay for what they purchased which the ***s entered into two years ago where they were given three business days to cancel those agreements for any or no reason, another ************************************************************** the products they purchased and where those agreements were again ratified in a written settlement agreement some 3 months later. Nevertheless, *** remains willing to discuss settling this matter with the ***s.

The food is great! The financial group is horrendous to work with, and I am only on my first month! As a USMC Disabled Veteran, I receive my pay on the 1st of the month, (once per month, within the first 3 days of the month), we were pressured to get the delivery at a time that would cause our account to continually be past due. I called the company on three occasions, (once after receiving incomplete account info needing clarification, once a week or so later for the same reason, and my third call was after I received a statement for the freezer, but not the food). NO TETURN PHONE CALLS FROM THEM. But low and behold, after my first phone interaction with them on 10/6/23, when she had stated she would note my account of the pay date issue, I received a text threatening a late fee! I called to discuss and this time was met with a person on the other end of the line. After receiving ALL account information, thinking I was good to pay after my pay arrived, I received a phone call stating it was very important that I return the call, which I did immediately, and was informed that it was a courtesy call reminding me of my payment that was past due! SERIOUSLY??? I have 40+ years in the accounting field, focusing on accounts receivables and payables and have one question to ask do these people NOT note account with the interactions with their customers??? Sadly, it has put a severe bitter taste in my mouth for dealing with this food delivery company, hoping to find a farm to table delivery!

Our standard procedure when setting up a new account is to set the first payment due date for 30 days from the date the consumer took delivery of the goods and services. In this case ************ desired to have her due date coincide with the date she receives her paycheck instead. That information was not entered into our billing system which caused the reminder notice to be sent to her. We apologize for failing to change the payment due date which would have precluded the notice from being sent. The due date has now been changed on both accounts to the first of the month. Confirmation of the change has been sent to ************. Please accept our apology

In October of 2021 ************** purchased a large gourmet food order and a freezer from ***************************** (***********). They chose to finance their purchases rather than pay cash. To do so they entered into written Retail Installment Contracts (***) with ***********. In addition to the financing terms, among other terms, the contracts contained a three day right of rescission. The ***s did not exercise the right of rescission, but went forward with their purchase after that cooling off period. Shortly thereafter, *********** assigned the ***s to Home Acceptance Corporation (HAC). HAC is a finance company that purchases ***s from numerous merchants in many different lines of business. *********** is one of those merchants. They have thousands of satisfied customers and have an A+ rating with the BBB. Prior accepting assignment of the **** *** spoke with Mrs. *** on the telephone. We confirmed with her that she understood and agreed to all the terms of the ***s including the monthly payment amount, the due date and the number of payments. We also asked if she was happy with all the items she received from ***********. She confirmed that she was. Relying on that, HAC went ahead with the purchase of the ***s. *** then sent the ***s a Notice of Assignment letter. The letter informed them that *********** had assigned and transferred its *** with them to HAC; it gave them notice of the *** account balance, the scheduled monthly payment amount and the next payment due date. Additionally, it requested them to inform *** in writing within 30 days from the date of the Notice of Assignment if the *** account information was inaccurate or if they had any dispute related to the *** or their purchase so that any conflicts could be resolved. They never submitted a dispute as requested in the notice of assignment letter. The ***s made their monthly payments as agreed.Then, 7 months later, in May of 2022, the ***s placed a second order with ***********. In addition to another large gourmet food order, they purchased other items which included a 24 piece set of stainless steel cookware. Again, the ***s chose to finance their purchase and executed ***s to do so. Those ***s also contained the three day right of rescission which the ***s did not exercise. HAC went through the same welcome and confirmation procedure prior to purchasing the new ***S. We again spoke with Mrs. ***. She confirmed each term of the contracts and assured us that she was happy with everything that was delivered. HAC purchased the ***s. HAC sent the Notice of Assignment letter again providing them with the 30 day dispute provision. The ***s never submitted a dispute. The ***s began making their monthly payments on the new ***s. Months later, in August of 2022, apparently the ***s decided they did not want the cookware set anymore and called *********** asking for an exchange. Contrary to what Mr. *** states in his complaint, ***********, without any obligation to do so, offered to exchange the cookware for other items the ***s said they wanted would receive more satisfaction from and, in addition, offered to maintain a 50% lifetime discount off any future food purchases the ***s might make from *********** on the condition that the ***s reaffirm their obligations under the ***s and continue to make the monthly payments they had agreed in writing to make as set forth in the ***s. Apparently the ***s thought the offer was fair and satisfactorily addressed their concerns because they agreed to accept the offer from ***********. That offer was made in writing and accepted, in writing, by Mr. ***. Now, nearly one and a half years after he agreed to and accepted the offer in writing and accepted the exchange items and the discount from ***********, Mr. *** complains that his concerns were not addressed and the matter was not resolved. But the ***s did, in fact, accept the exchange products specified in the written settlement agreement and further ratified the settlement by making the monthly payments they agreed to make for several months. However, after a while, HAC began having some payments returned NSF. Eventually all payments stopped completely. HAC took every reasonable action to ensure the ***s understood and concurred with every term of their agreements. We gave them ample time to review and inspect the documents and the purchases they made. They assured us orally and in writing that everything was to their satisfaction. They assured us they would pay us for that financing of their purchases. HAC is and has been more than willing to work out a payment plan with the ***s. We made numerous attempts over several months through calls, mail, email and texts to work out arrangements with the ***s for them to be able to pay the amounts they agreed to pay to HAC. Those attempts were stonewalled with silence. The ***s refused to keep their written promises. They were informed that if they continued to refuse to pay, *** would have no choice but to pursue legal action to collect the amount that HAC was owed. Unfortunately, the ***s refused to pay their accounts and refused to come to any reasonable arrangement to satisfy their debts. The accounts were charged off. *** then took the first steps in pursuit of the legal remedy the ***s forced upon *** to collect the money HAC is owed. It appears this review was filed not for legitimate purposes, but for the sole purpose of using the BBBs website as a foil to attempt to undo the written agreements promising to pay for what they purchased which the ***s entered into two years ago where they were given three business days to cancel those agreements for any or no reason, another ************************************************************** the products they purchased and where those agreements were again ratified in a written settlement agreement some 3 months later. Nevertheless, *** remains willing to discuss settling this matter with the ***s.

I had an account with another ********************** that was bought out by home acceptance corporation. Prior to this buy out I never had anything from this company on my credit report until the transfer. I had no knowledge of the transfer also I did not sign any credit application for this company. When I called (the first time) I was met with rudeness and sarcasm. I told the customer service agent that I didnt authorize this and that I did not want this to report and also I asked well if I have this supposed loan with you all why cant I spend the rest of the money. It was a $4,000 credit limit but I only used ***** or less. She explained thats not how that worked. I have plenty of credit lines and I am able to use what is awarded to me on my limit. The Second time I called I was met with a little kindness and a lot of sarcasm as well. By this time I was not paying my bill. I continued to look into this company and it did not add up or make sense, especially with the numerous reviews stating the activity that goes on with this company. I asked the gentleman who gave me the name **** to send me through email my credit application because even he said he had it on file and it was one from the other company. I specifically told him if that is true I would gladly pay my bill, I need the proof. He gave me the email to request the forms and I sent the email. As of 07/20/2023. I have yet to receive those documents. I was met with a very rude email today demanding payment or my case will go to collections. I will have to escalate this matter to a lawyer and see if this can get resolved. This company is a scam.

We sent the customer the information she requested. Because some of the documentation contained sensitive and personally identifying information it was sent in a protected format. Instructions were sent by separate correspondence to decrypt the file. The consumer called and explained she was having trouble with the decryption, but then later was able to access all the documents we sent. The documents clearly confirm she owes the money to Home Acceptance that she was billed. We have not yet heard back from the consumer since then.

Charging someone $4000 to set up a installment plan with the *** is straight fraudulent. You can do that yourself. This company is robbing people and should be put out of business. They're customer service is the worst. Do not use. Beware!!

This consumer chose to hire a retail merchant for assistance resolving tax issues with the **** The merchants name is Tax Rise. Apparently the price of their service was $4,000. The consumer elected to finance what he purchased from them instead of paying cash or paying with a credit card. He signed a financing contract with Tax Rise to pay them monthly payments. Tax Rise sold that contract to Home Acceptance. Home Acceptance is a completely separate company from Tax Rise. We purchase contracts from hundreds of merchants. Tax Rise is one of them. We have no control or were in any involved with the service the consumer chose to purchase from Tax Rise. We do know that according to his written agreement with Tax Rise, the consumer was given three days to shop around and cancel the agreement without penalty if he chose. If the consumer is now dissatisfied with the cost of the program he elected to purchase we recommend that the consumer address the issue directly with the merchant. Home Acceptance is simply the owner of the financing contract the consumer signed so that he could finance, rather than pay cash for, his purchase.On Mr. ****** behalf we reached out to the merchant and advised them of their customers complaint so they could address the issue with him. Tax Rise informed us they tried several times to call the consumer but he has not answered any of their calls.A search of the BBB website shows that Tax Rise carries an A+ rating.

My payment arrangement with Home acceptance is scheduled for the end of each month. For some reason, which no one from Home acceptance can explain, a charge was taken out on 6/13, which is not my arranged date. This may not seem like a huge issue to Home acceptance, but for me it is causing real life hardships. I have spoken with someone from the company and i have been told the funds will be refunded tomorrow, hopefully this will be what actually happens after reading some of these reviews. I just want my money back and a guarantee that i will not need to worry about any further transactions like this moving forward. I would really like to speak to someone from corporate to hear my concerns and tell me how we can avoid this from ever happening again.

The date for the auto pay was entered incorrectly. The customer was issued a refund and the date was corrected. A manager called **************** and confirmed that she had received the refund. We apologized for any hardship the error may have caused. She stated she was happy with the way we quickly and courteously resolved the matter.