Complaints

• Initial Complaint

  04/19/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I financed a Ashley ********* purchase last year. My August payment of $317.00 was erroneonly posted to my account at $273.91. Called almost a dozen times... sent messages online thru my login account. Never any responses and never any corrections. I have given up. You are my last resort.My account number with merchant is **************** Merchant phone number is ************ Thank you

  Business response

  05/10/2022

  Tell us why here...This pertains to complaint #******** filed by ***************************** with the Better Business Bureau. ***************************** contracted with ************************** for the purchase of furniture. ************************** is an independent business that uses many different lenders for customer financing and is not contractually obligated to finance any of its business through any particular lender.
  
  ************************** submitted a credit application on behalf of ***************************** on May 28, 2021 to Great American Finance. Credit was reviewed, credit was approved and ************************** and ***************************** received notification of the credit decision.
  
  A line of credit was opened and a contract was submitted in the amount of $1,832.16 with minimum monthly payments of $96.61 beginning on June 30, 2021. Another contract was submitted in the amount of $1895.09, which increased the minimum monthly payments to $186.36 beginning on July 30, 2021.Both contracts provided a 360 day deferred interest promotion.
  
  On August 20, 2021, we received notification of a third purchase in the amount of $43.09, which was posted to the line of credit. On August 24, 2021, we received payment in the amount of $317.00 from *****************************. Payment was applied ($135.62, $138.29 and $43.09) to each purchase in order of purchase date. As a result, the third purchase was paid in full.
  
  On April 23, 2022, our Legal Manager spoke to ***************************** by telephone regarding this matter. He stated that he did not make any additional purchases using his line of credit. He stated that he has made other small purchases in the past but paid them directly. Accordingly, we have issued a credit to his account in the amount of $43.09.
  
  All payments remitted by ***************************** have been remitted in a timely fashion and he is on target to complete the deferred interest promotion on time.

  Customer response

  05/11/2022

   
  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

  04/18/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This business is violating consumer rights and using illegal collection practices! I called two weeks ago and spoke to a supervisor called ***** who I shared with my issue said he would investigate and call me back yet never did ! Should of known by his unprofessional tone that he wouldnt . Their company called Me several times to collect on a last due balance and when I did NOT answer they sent me emails thats my online password was reset ! That is illegal collection practices utilizing these tactics to promote me to call believing my online credentials were hacked ! Now leads me to believe their employees mishandled my bank acct ***************** I want an explanation in writing before I take this to social media !

  Business response

  05/10/2022

  Tell us why here...This pertains to complaint #******** filed by ***************************** with the *********************** ***************************** contracted with SuperNova Furniture for the purchase of furniture. SuperNova Furniture is an independent business that uses many different lenders for customer financing and is not contractually obligated to finance any of its business through any particular lender.
  
  SuperNova Furniture submitted a credit application on behalf of ***************************** to Great American Finance on May 4, 2020, requesting a line of credit for financing. Credit was reviewed, credit was approved and SuperNova Furniture and ***************************** were informed of the credit decision.
  
  A line of credit was opened in the amount of $2,000.00 and a contract was submitted on May 15, 2020 for a furniture purchase in the amount of $2,000.00,with minimum monthly payments of $100.00 beginning on July 14, *************** purchased consisted of a seven piece bedroom suite and television delivered on May 9, 2020.
  
  Payments have been remitted from July 15, 2020 through ***** 15, 2020. Payments have been frequently remitted late and all payments have been remitted online. Late fees have never posted to the account. A copy of the payment history is provided.
  
  The emails did not state that the customers online password was reset or that the customers online credentials were hacked. The emails were generated due to unsuccessful attempts to view the account online, which may have taken too long. In such cases, the system will close and provide the customer with an opportunity to reset their password, if they wish. Phone calls were placed to the customer due to payment being remitted late.
  The account is past due for ***** and the May payment is due next week. We encourage ***************************** to contact our customer service department to arrange for payment to restore the account to current status.

• Initial Complaint

  04/13/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Purchased a recliner on 3/16/2022 this purchase has a ********************************************* a notice of payment due not the amount. I called them on 4/12/2022 they said i have to pay ****** per monthly, the **** is ******* and i should have a year to pay it off not 6month at ****** it will be payed off in 7months i want the 12 month deferred payment plan my account number is #****************

  Business response

  05/02/2022

  Tell us why here...
  This pertains to complaint #******** filed by ******************************* with the Better Business Bureau. ******************************* contracted with ************************** for the purchase of furniture. ************************** is an independent business that uses many different lenders for customer financing and is not contractually obligated to finance any of its business through any particular lender.
  
  ************************** submitted a credit application on behalf of ******************************* to Great American Finance Holdings, LLC on November 26, 2021, requesting a line of credit for financing. Credit was reviewed,credit was approved and ************************** and ******************************* were informed of the credit decision.
  
  A line of credit was opened and a contract was submitted on December 16, 2021 for a furniture purchase in the amount of $2,114.68, with minimum monthly payments of $105.73 beginning on January 15, 2022. The contract provided a ************************************** effect through December 11, 2022. Payments have been remitted from January 15, 2022 through March 12, 2022 totaling $2,202.00,creating a credit balance of $87.32 and taking advantage of the deferred interest promotion. The account was placed on now on hold for thirty days to allow sufficient time for final payment to clear. Upon clearance of final payment, the account was scheduled to be updated to paid in full and closed with a zero balance on April 12, 2022.
  
  A contract was submitted on March 31, 2022 for a furniture purchase made on March 16, 2022 in the amount of $1,020.41, with minimum monthly payments of $51.02 beginning on May 15, 2022. The system updated the minimum monthly payment to $156.75 to include the second purchase because the final payment for the first purchase had not cleared yet. The has now been updated due to the clearance of the final payment for the first purchase. The credit balance of $87.32 from the first purchase has been credited toward the account balance for the second purchase bringing the balance down to $933.09. ******************************* called on April 14, 2022 and voluntarily remitted payment in the amount of $100.00 and the account balance is now $833.09.
  
  Our Legal Manager spoke with ******************************* on April 18,2022. She answered all questions and concerns raised by ******************************* and explained the processing of both furniture purchases and account payments. The account is current and the line of credit is open. A copy of the April invoice is provided to confirm account status.

• Initial Complaint

  04/11/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On September 28, 2021 I was approved credit from Great American Finance towards a future furniture purchase through Ashley ********** In October 2021, we found the furniture we wanted to purchase yet when we went to make the purchase online the account number provided to us by ******************************************************************** would not work. Since they don't answer the phone during business hours, we went back and forth via email for several days until we could place our orders. Since we have placed our order, we continue to be charged for things we did not purchase in addition to not being able to access our online account in order to make our payments. When we were finally able to set up automatic payments (from their website issues) the monthly payment now somehow changes just enough for the automatic payment (that we do have set up) to not be enough to cover the full amount needed which is marking our payments late and we are subjected to more fees. We've asked several times for the account to be updated but nobody returns the emails and our account is still showing past due and for the incorrect balance. Today I went to go into the account again and now I am locked out of sending a message. This company is a complete joke and has tanked my credit score!Issues:- Wrong charges to our account - Credits issued are not credited to the account - Promotional plans for the account are wrong - One promotional plan is showing inactive - Automatic Payment for minimum payment is not covering the monthly payment (some system glitch of theirs)- Company does not return calls - Company does not answer the phone - Company does not return emails - Website has blocked messages from being sent from online account ACCURATE TRANSACTIONS:Purchase: 10/27/2021 $1303.79 (725006307249)Purchase: 10/27/2021 $301.79 (************)Purchase: 11/03/2021 $246.54 (725006347120)Refund: 11/18/2021 $49.99 (************)Refund: 11/18/2021 $251.80 (************)

  Business response

  05/06/2022

  Tell us why here...
  
  This pertains to complaint #******** filed by ******************* with the Better Business Bureau. ******************* contracted with ************************** for the purchase of furniture. ************************** is an independent business that uses many different lenders for customer financing and is not contractually obligated to finance any of its business through any particular lender.
  
  ******************* submitted a credit application online via the ************************** website on September 26, 2021 to Great American Finance. Credit was reviewed, credit was approved and ******************* and ****** Furniture HomeStore received notification of the credit decision.
  
  A line of credit was opened in the amount of $3,000.00. Multiple contracts were submitted for furniture purchased on October 27, 2021 and on November 3, 2021. The items were delivered by truck delivery service and ***** in November of 2021 and December of 2021. The total for all purchases was $2,554.64. The contracts provided 180 day and 360 day deferred interest promotions. The terms of the deferred interest promotion detailed on the contracts state as follows:
  
  You are required to pay the Minimum Payment Due on your monthly billing statement each month, including during the promotional period. You must pay more than the MinimumPayment Due on your monthly billing statement during the promotional period in order to avoid interest charges. Paying only the Minimum Payment Due will not pay the Amount Advanced in full before the promotional period expires. If you are delinquent in paying any amount of a Minimum Payment Due during the promotional period or otherwise fail to meet your obligations under the Line of Credit Agreement during any promotional period, we may cancel the promotion,add any accrued interest to your outstanding balance at that time, and continue to charge interest on the balance pursuant to your Line of Credit Agreement.
  
  The first payment was due on December 5, 2021. Payment was not remitted until January 7, 2022. Payments due in February and March of 2022 were also remitted late. Payment delinquency has voided one of the deferred interest promotions. The promotions were offered by **************************. Great American Finance honors the promotions, with the terms as written in the contracts.
  
  The complaint stated that furniture was returned in the amount of $301.79. We have confirmed this with ************************** and have issued a credit in the amount of $301.79 to the line of credit. The adjustment to the balance will be reflected in the next monthly statement.
  
  Customer service is available seven days a week with extended hours. Customers are welcome to call at any time. Online access to customer accounts is available at all times.

• Initial Complaint

  04/10/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  The Customer portal states I owe a balance when it has been paid off. I have complained numerous times, but they will not fix the inaccurate portal balance. They charge interest before it is owed. I have told them that is/should be illegal, but they will not fix it.

  Business response

  04/12/2022

  Tell us why here...This pertains to complaints #******** and #******** filed by ********************************* with the Better Business Bureau on April 10, 2022. The complaints are identical and this serves as our response to both complaints.
  
  ********************************* contracted with The RoomPlace for the purchase of furniture. The RoomPlace is an independent business that uses many different lenders for customer financing and is not contractually obligated to finance any of its business through any particular lender.
  
  The RoomPlace submitted a credit application to Great American Finance Holdings, LLC on August 7, 2020, requesting a line of credit for financing. Credit was reviewed, credit was approved and ********************************* and The RoomPlace were informed of the credit decision.
  
  A line of credit was opened and a contract was submitted on October 16, 2020 for a furniture purchase in the amount of $4,914.80, with twenty-four monthly payments of $269.23 beginning on November 16, 2020. The contract provided a ************************************** effect through April 16, 2022. The promotion was offered by The RoomPlace and honored by Great American Finance.
  
  Monthly payments in the amount of $274.00 have been remitted via automatic payment plan, voluntarily established by ********************************* in November of 2020 using her checking account. In January of 2022, ********************************* elected to revise her automatic monthly payments to $270.00, so that once her final payment is remitted, she will be entitled to a refund of $1.20,taking full advantage of the deferred interest promotion.
  
  Final payment was remitted on April 11, 2022, completing the deferred interest promotion. The account is on hold for thirty days to allow sufficient time for final payment to clear. On May 11, 2022, should final payment clear, the account will be updated to paid in full and closed with a zero balance. The online portal will be updated at the same time. ********************************* will receive a letter confirming that her account has been paid in full and will also receive a refund check.

  Customer response

  04/17/2022

   
  Complaint: 17011474
  
  I am rejecting this response because:the portal shows over due balance. Portal nor statements list the principal. Nothing about the promotion is on coupon book.  
  
  Sincerely,
  
  *********************************

  Business response

  04/26/2022

  We have already addressed these issues in our response to the complaint.

  Customer response

  05/01/2022

   
  Complaint: 17011474
  
  I am rejecting this response because:
  I am confused how this is not predatory. I dont understand why my account cant be corrected now. How are you allowed to lie to your customers???  My account is not correct. My principal should be listed. 
  Sincerely,
  
  *********************************

• Initial Complaint

  03/14/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  When I bought my furniture from ***************** out of ******* ***** it was financed through Great American finance I was making my payments and then all of a sudden they would call and tell me they didn't get my payment I gave them the confirmation number of where it was paid the man said it doesn't matter whether you have a confirmation number or not it matters whether we got the money or not so I gave him my bank card again over the phone again and he processed two weeks later I get another call saying I did not make that payment they've been rude to me they laugh at me and I have told them to come and pick up their furniture I am not paying for something that when I pay a payment they say they don't get the payment and then they tell me it was insufficient funds the manager told me that she would look into the problem if it was on their part she would call me back if it was on my part she would call me back I never heard another word from them until the next two weeks someone else calls and says they want me to make a payment and I told them then they were supposed to be looking into the problem it says from ***************** 60 months free interest it turned out it was 90 days free interest I want to know how to get this furniture out of my house because I don't like somebody calling me a liar and telling me I have insufficient funds when I don't ***************** says I have to talk to them and they hang up on me and they told me I had to have ***************** come get the furniture but I can't talk to anybody because when I start to ask them something they hang up I had one woman tell me that I had to call ***************** she was a nice woman I don't remember her name and that's why I called ***************** and ***************** said no you have to get go with them to get rid of the furniture I just want them to quit reporting on my credit report because they are the ones that are in the wrong not me I need to know what I need to do can you please help me thank you

  Business response

  03/21/2022

  Tell us why here...This pertains to complaint #******** filed by ***************************** with the *********************** ***************************** contracted with ***************** Furniture for the purchase of furniture. ***************** Furniture is an independent business that uses many different lenders for customer financing and is not contractually obligated to finance any of its business through any particular lender.
  
  ***************** Furniture submitted a credit application to Great American Finance on May 5, 2021, requesting a line of credit for financing. Credit was reviewed, credit was approved and ***************************** and ***************** Furniture were informed of the credit decision.
  
  A line of credit was opened and a contract was submitted on June 3, 2021 for a furniture purchase in the amount of $4,549.73, with minimum monthly payments of $94.63 beginning on August 2, 2021.
  
  The contract provided a ************************************* effect through September 1, 2021. Two payments were remitted on August 2, 2021 and September 2, 2021 totaling $195.00. Payment remitted on October 2, 2021 was returned by the issuing bank. No further payments have been remitted to date.
  
  This is a valid debt and the line of credit has been closed due to delinquency. Copies of the contract, sales invoice and payment history are provided. We encourage ***************************** to contact us to arrange for payment and settlement of her account.

  Customer response

  03/24/2022

   
  Complaint: 16890894
  
  I am rejecting this response because: That is not what happened. They told me when i made my payment and i had a confirmation number that it did not matter. i then gave the man my debit card number and he said it went through. i did not hear from them until the next month. They called again i talked to a manger about it and she told me they would look into it and let me know what was going on no response from her at all. i made another payment number 4 and then they sent me a letter saying NSF that was a lie cause my band never said anything about it and there has never been NSF in that bank. I'm sorry but they are not telling the truth. I told them this and they just laugh at me. and they call and when i try to talk to them they hang up. I have asked them to just come and get their furniture and they will not. if you could tell them I don't want it. if you could just tell them that i don't want it because they don't tell the truth, maybe you won't get hung up on and they will stop calling and hanging up on me. please help me. my husband is very sick and has had a stroke and it is hard for me to. get to the phone and try to speak to some on and if i do they can't answer any questions. Thank you for any help you can give me.
  
  Sincerely,
  
  *****************************

  Business response

  03/31/2022

  Tell us why here...This pertains to complaint #******** filed by ***************************** with the ********************** on March 14, 2022. We responded to the complaint on March 21, 2022 and ***************************** filed a rebuttal to our response on March 25, 2022.
  
  On May 5, 2021, ***************************** contracted with ***************** Furniture for the purchase of living room furniture. Great American Finance provided the financing for the purchase in the amount of $4,549.73, with minimum monthly payments of $94.63 beginning on August 2, 2021.
  
  The contract provided a ************************************* effect through September 1, 2021. Two payments were remitted on August 2, 2021 and September 2, 2021 totaling $195.00. Payment remitted on October 4, 2021 was returned by the issuing bank on October 8, 2021. No further payments have been remitted to date and ***************************** has not provided any proof of payments remitted that have been successfully paid by her bank.
  
  We have mailed monthly statements to ***************************** and none have been returned by the post office. We have called ***************************** regarding the status of her account. We have never hung up on her. We do not hang up on customers. We encourage ***************************** to contact us to arrange for payment and settlement of her account.

  Customer response

  04/01/2022

   
  Complaint: 16890894
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***************************** that's what I'm trying to dispute is the payment they said they got on October 4th and then it was rejected on October the 8th my bank has not rejected anything from them they have not said anything about it I don't have it on the computer I don't have it anywhere on my bank statement where they rejected it. I don't know whether they even tried to take it out according to them they did and they rejected it my bank has not rejected any of it. That's what I'm trying to tell you that's why they got me behind and then they didn't call me or even like they've been doing or even tell me that it was rejected they sent a letter and said insufficient funds and that was not right that was a downright lie.

  Business response

  04/11/2022

  Tell us why here...This pertains to complaint #******** filed by ***************************** with the ********************** on March 14, 2022. We responded to the complaint on March 21, 2022 and ***************************** filed a rebuttal to our response on March 25, 2022. We responded to the rebuttal on March 31, 2022. ***************************** filed another rebuttal on April 4, 2022.
  
  Two payments were remitted on August 2, 2021 and September 2,2021 totaling $195.00. Those payments were mailed to our payment remittance lockbox address. Payment remitted by telephone using the automated phone system on October 4, 2021 was returned by the issuing bank on October 8, 2021. The reason for the return was unable to locate account. The last digits of the account number were *****. Since we were provided with an invalid bank account number,the bank would not be able to locate the account or the customer.
  
  We have mailed monthly statements to ***************************** and none have been returned by the post office. We have called ***************************** regarding the status of her account. We encourage ***************************** to contact us to arrange for payment and settlement of her account.

• Initial Complaint

  03/13/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have paid my account on time every month my bank sends a check above the minimum amount due of $152.00 equaling $242.00. Great American Finance claims they did not receive a check in December. I therfore authorized a one time ACH payment through thier system to venture payment was received and had my bank cancel the check. Great American Finance decides to continue to charge me through their ACH which bounced my account and returned their ****** choose to continue to pay with my perffered method as its my way on how to balance my accounts. They then have removed all credit from my account and charged me several fees associated with their mistake! They have also blocked my number to ensure any future calls from being placed.

  Business response

  03/21/2022

  Tell us why here...This pertains to complaint #******** filed by ********************* with the *********************** ********************* contracted with ************************** for the purchase of furniture. ************************** is an independent business that uses many different lenders for customer financing and is not contractually obligated to finance any of its business through any particular lender.
  
  ************************** submitted a credit application to Great American Finance Holdings, LLC on October 2, 2021, requesting a line of credit for financing. Credit was reviewed, credit was approved and ********************* and ****** Furniture HomeStore were informed of the credit decision.
  
  A line of credit was opened and a contract was submitted on October 13, 2021 for a furniture purchase in the amount of $2,897.93, with minimum monthly payments of $144.90 beginning on November 4, 2021.
  
  The contract provided a ************************************** effect through October 8, 2022. Five payments have been remitted on November 2,2021, December 7, 2021, February 7, 2022, February 16, 2022 and March 7, 2022.The February 16, 2022 payment was returned by the issuing bank, which voided the promotion. A returned payment fee posted in the amount of $25.00 and no additional fees have posted to the account. Payments remitted to date total $968.00 and the next payment is due on April 4, 2022. A copy of the account history is provided.
  
  Any phone numbers affiliated with ********************* have not been blocked. We do not have the ability to block incoming calls from customers. All customers are welcome to call us at any time. The letter from **************** has never been received by Great American Finance. The letter is addressed to ********************* at an address that is not affiliated with his account. As a courtesy to *********************, we will issue a credit in the amount of $25.00 to his account, to reimburse him for the returned payment fee.

  Customer response

  04/01/2022

   
  Complaint: 16888838
  
  I am rejecting this response because:
  

  From: **** H <************************>
  Sent: Friday, April 1, 2022 11:10 AM
  To: Customer Relations <***************************************************************************************>
  Subject: Re: BBB Reply to this email with Rejection/ Acceptance

   

  These people are clearly lying!  I FULLY REJECT this! Again, I only authorized a one time ACH through thier  system I never asked for them to make it an on going. I mail ALL of my checks directly to them every month which automatically deducts the amount from my available balance, therefore a return from my issuing is moot. My amount due every month has been in the amount of $160.00. I have made on time payments every month OVER the amount required. After looking at this companies reviews online it is VERY VERY clear this is a habit for them.  I have several addresses in 3 different states, people are allowed to have other addresses. I want my credit line back and my account back to what was initially agreed upon, or I'm going to stop paying altogether, and take this to court. I have all the documents PROVING they are lying. 

   

  Attachments:

   

  1) proof of automatic payments from my bank account.

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

  Business response

  04/11/2022

  Tell us why here...This pertains to complaint #******** filed by ********************* with the Better Business Bureau on March 13, 2022. We responded to the complaint on March 21, 2022. On March 30, 2022, we received notification from the Better Business Bureau that they provided our response to *********************, who did not respond and closed out the complaint as satisfactorily answered. ********************* now filed a rebuttal on April 4, 2022. This is our response to the rebuttal.
  
  ********************* contracted with ************************** for the purchase of furniture. ************************** is an independent business that uses many different lenders for customer financing and is not contractually obligated to finance any of its business through any particular lender.
  
  ************************** submitted a credit application to Great American Finance Holdings, LLC on October 2, 2021, requesting a line of credit for financing. Credit was reviewed, credit was approved and ********************* and ****** Furniture HomeStore were informed of the credit decision.
  
  A line of credit was opened and a contract was submitted on October 13, 2021 for a furniture purchase in the amount of $2,897.93, with minimum monthly payments of $144.90 beginning on November 4, 2021.
  
  The contract provided a ************************************** effect through October 8, 2022.This a promotion and not a requirement of the contract. The contract requires minimum monthly payments, however in order to complete the promotion timely, payments must be remitted in excess of the monthly minimum. Six payments have been remitted on November 2, 2021 ($242.00),December 7, 2021 ($242.00), February 7, 2022 ($242.00), February 16, 2022 ($160.00), March 7, 2022 ($242.00) and April 4, 2022 ($95.60). The February 16,2022 payment in the amount of $160.00 was returned by the issuing bank (account ending in #****** account closed), which voided the promotion. A returned payment fee posted in the amount of $25.00 and no additional fees have posted to the account. As a courtesy to *********************, we issued a credit in the amount of $25.00 to his account, to reimburse him for the returned payment fee.
  
  Payments remitted successfully to date total $1,063.60 and the next payment is due on May 4, 2022. The February 16, 2022 payment was remitted by telephone with customer service. The April 4, 2022 payment was remitted online via our website and does not satisfy the $144.90 minimum monthly payment requirement. Late payments, returned payments and payments less than the required minimum monthly payment all serve to void the promotion. All other payments were received via postal mail.

  Customer response

  04/12/2022

   
  Complaint: ******** I am rejecting this response because: They sure absolutely lying! I have never authorized them to continue to deduct from my bank. I only authorized a one time payment as a courtesy, due to Great American Finance "losing" my check. As it is very plain to see I have remained an excellent customer including higher than my minimum xue bu almost $100.00 a month. I demand my account be reverted back to its original status all interest be refunded and my line of credit restored. If this is not done by my next due date I will immediately withold any future payments and proceed to file a lawsuit within my local jurisdiction.

  Business response

  04/18/2022

  Tell us why here...
  
  This pertains to complaint #******** filed by ********************* with the Better Business Bureau on March 13, 2022. We responded to the complaint on March 21, 2022. On March 30, 2022, we received notification from the Better Business Bureau that they provided our response to *********************, who did not respond and closed out the complaint as satisfactorily answered. ********************* now filed a rebuttal on April 4, 2022. We responded to the rebuttal on April 11, 2022. On April 12, 2022, ********************* filed a rebuttal to our response to his prior rebuttal.
  
  The account has never been on an automatic payment plan. All payments have been remitted via postal mail or online. If *********** is remitting payment on behalf of *********************, this is a *********** **** pay plan. This is not an automatic payment plan with Great American Finance. All customer payments are posted on the date of receipt. The letter from *********** to ********************* dated January 27, 2022 states that ********************* informed them that payment scheduled for delivery by December 29, 2021 was never received by Great American Finance. We can confirm that payment was not received by Great American Finance.

• Initial Complaint

  03/02/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion, Equifax, and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The ************************* which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.1. GRT AMER ********** $0.00 Acct # *********

  Business response

  03/10/2022

  Tell us why here...This pertains to complaint #******** filed by ************************* with the Better Business Bureau. ************************* contracted with Value City Furniture for the purchase of furniture. Value City Furniture is an independent business that uses many different lenders for customer financing and is not contractually obligated to finance any of its business through any particular lender.
  
  Value City Furniture submitted a credit application to Great American Finance Holdings, LLC on April 27, 2015, requesting a line of credit for financing. Credit was reviewed, credit was approved and Value City Furniture received notification of the credit decision.
  
  A line of credit was opened on April 27, ************************************************************* the amount of $3,143.04 with minimum monthly payments of $130.96 for twenty-four months. The first payment was due by June 28, 2015. Payments were remitted from July 25, 2015 through November 3,2016. No further payments were remitted and the account was sold to ********************** on October 31, 2017.

• Initial Complaint

  02/28/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I am writing this today due to the lack of available ways to contact this business. I've recently made a large purchase at a furniture store and Great American Finance is the company financing this purchase. When the agreement was made there was nothing showing what the payment amount would be or when I should begin paying. I've tried to logon to their site multiple times over several months and haven't been able to set up an account. When I call customer service I'm never able to speak with anyone and have to leave a voicemail which I never get a return call from. Then I get a **** in the mail for over $300. This is outrageous. At this point I'd like to return the furniture and stop all attempts at doing business with this company.

  Business response

  03/10/2022

  Tell us why here...This pertains to complaint #******** filed by ************************* with the Better Business Bureau. ************************* contracted with ************************** for the purchase of furniture. ************************** is an independent business that uses many different lenders for customer financing and is not contractually obligated to finance any of its business through any particular lender.
  
  ************************* submitted a credit application online via the ************************** website on December 21, 2021 to Great American Finance. Credit was reviewed, credit was approved and ************************* and ****** Furniture Homestore received notification of the credit decision.
  
  A line of credit was opened on December 21, 2021 in the amount of $3,000.00. A contract was submitted on January 13, 2022 for furniture purchased in the amount of $2,969.22, with minimum monthly payments of $148.46.The first payment was due on February 12, 2022 and payment has not been remitted. The account is now past due and the second payment is due on March 12, 2022. Monthly statements have been mailed to ************************* and the complaint states that he has received the second statement.
  
  The contract customers sign does have all financing terms.Our customer service representatives are available seven days a week, and online access to the customer online portal is available 24/7.

• Initial Complaint

  02/01/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am being charged interest during my interest free period. I have 6 months to pay off the loan until interest hits yet I've been charged over 270 dollars in interest already. According to my most recent statement I still owe 988 and change yet without the charged interest I should owe 719 and change.

  Business response

  02/11/2022

  Tell us why here...This pertains to complaint #******** filed by *********************** with the Better Business Bureau. *********************** contracted with ************************** for the purchase of furniture. ************************** is an independent business that uses many different lenders for customer financing and is not contractually obligated to finance any of its business through any particular lender.
  
  ************************** submitted a credit application to Great American Finance Holdings, LLC, requesting a line of credit for financing. Credit was reviewed, credit was approved and *********************** and ****** Furniture HomeStore were informed of the credit decision.
  
  A line of credit was opened and a contract was submitted on August 6, 2021 for a furniture purchase in the amount of $1,113.80, with minimum monthly payments of $55.69 beginning on August 28, 2021. The contract does not provide a six month interest-free payment plan.
  
  The contract provides a ************************************** effect through August 1, 2022. Seven payments have been remitted from August 24,2021 through February 4, 2022 totaling $394.14. Two payments of $55.69 were remitted online by *********************** in October of 2021. One payment was refunded to her at her request and the total of six payments remitted is now $338.45.
  
  The deferred interest promotion payoff is $775.35 through August 1, 2022. The account is current at this time and the line of credit is open.

*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. ↩