ComplaintsforAcima

• 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.  

• Initial Complaint

  09/03/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This company uses false advertisement. It states 0% interest with a payoff in 90 days or less. However, there is an excessive and High fee with each payment. The representatives from the local store call and harass regarding payments that have already been made and that are showing pending on their end.

  

  Business response

  09/06/2024

  Acima Leasing (hereinafter “we,” “us,” “our,” “Acima”) received the complaint filed by Ms. Vanessa Sims through the Better Business Bureau on September 3, 2024.  
  
  The identifying information provided by Ms. Sims does not match to a lease with Acima, nor is Ms. Vanessa Sims an authorized third-party for any Acima leases. Please note, the leaseholder must contact Acima directly to provide authorization for Acima to release information to a third-party. We encourage Ms. Sims to contact our customer service department at (801) 297-1982 with further questions.  

• Initial Complaint

  09/02/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  Acima leasing agreement was misleading and was not explained correctly. I am being charged more than double of what my purchase price is. I was told that I would be making payments for the price of $1800 plus tax and interest so around $2300. To which I have paid off but now looking at the customer portal I am being charged over $2000 more dollars. How is that legal ? I have paid off the amount owed and now I am having to pay the company more then what the purchase price is on top of the purchase price. None of this was explained and I was sent paper via email to sign. Very misleading and completely horrible customer service.

  

  Business response

  09/03/2024

  Ms. Stevenson did not purchase the referenced property, rather, she elected to utilize our lease-to-own services. Additionally, Acima does not charge interest, as such it is not contemplated in the lease-purchase agreement (the “Agreement”) Ms. Stevenson entered.  

  We confirm the purchase terms are clearly disclosed in paragraph 3 of the Agreement titled “Purchase Terms.” Pursuant to the Agreement, to obtain ownership of the Property Ms. Stevenson could elect to make 26 biweekly rent renewal payments of $191.12 before tax, plus an initial rent payment of $70.00 before tax, for a total of $5,038.99 (the “Total of Payments”) before tax. Alternatively, she could execute any other early purchase or termination option outlined within the Agreement. Ms. Stevenson could purchase the leased property early during the first 90 days after receiving it by paying $2,196.98 plus tax and any disclosed charges, if applicable. This option expired on May 29, 2024. She could also purchase the lease property early at any time after the first 90 days by paying a lump sum equal to 65% of the remaining of the remaining rent renewal payments.  

  Ms. Stevenson alleges she is being charged “over $2,000.00 more.” This is not accurate. The Total of Payments was set at the initiation of the Agreement and has not and will not change. Additionally, Ms. Stevenson will only pay the remaining Total of Payments if she continues to rent the leased property for the remainder of the lease term and does not exercise an early purchase option or terminate the Agreement. Given the facts stated above, we deny Ms. Stevenson’s allegations and consider this matter closed. To exercise a purchase or termination option, she may contact our customer service department at (801) 297-1982. 

• Initial Complaint

  09/01/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Subject: Request for Removal of Late Payment Reporting Dear [ACIMA Credit], I am writing to formally request the removal of a late payment that was erroneously reported to my credit report. This late payment occurred during the COVID-19 pandemic. Given the unprecedented circumstances and economic hardships many faced during that time, I believe I am eligible for a one-time adjustment to my credit report, as allowed by relevant laws and regulations, including the CARES Act. I made a payment for my account at the furniture store location. Unfortunately, due to a processing error made at the store, the payment was not recorded correctly and was not received by your office until after the due date. Please investigate this matter promptly and take the necessary steps to remove the late payment from my credit report. Thank you for your immediate attention to this matter.

  

  Business response

  09/03/2024

  The identifying information that Mr. Tucker provided in his complaint did not fully match to a lease in our system. As such, we are unable to provide a full response. Mr. Tucker may contact our customer service department by phone at (801) 297-1982 if he has any questions, or if he would like to assist our agents in attempting to locate a lease account associated with his information. Additionally, we ask Mr. Tucker to contact our credit reporting department at ATTN: Reporting Compliance, ** *** ***** ****** ** *****, regarding matters related to credit disputes.    

  Customer response

  09/04/2024

   
  Complaint: 22226809
  
  I am rejecting this response because: If the information  dose not match it's because you all changed the account # I got the account  number strait off one of your letters that you sent me this what you all are doing is breaking laws your response is being gorarded to my fcra lawyer  for suit I will not call your office I will have my lawyer discuss this with you and requstion your records just so you know I will be pursuing 1k per violation  in the suit all this could have been avoided by removing your false reporting  when I was simply asking nicely now your going to be appearing in court
  
  Sincerely,
  
  Scott Tucker Scott Tucker

  

  Business response

  09/06/2024

  Mr. Tucker did not provide us with his lease number. Furthermore, we confirm his identifying information did not fully match to a lease in our system. Again, we ask Mr. Tucker to contact our credit reporting department regarding matters related to credit disputes.     
  
  If Mr. Tucker has retained legal representation, we request that he provide us with their contact details at (801) 297-1982 or ******************* so we may work with them. 

• Initial Complaint

  08/30/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I have been trying to contact their customer support team to pay off a balance before my 90day leasing term. I changed my phone number and want to get that handled as well. I call and live chat between the business hours. Monday - Friday 7am to 7pm. And Saturday 7am to 4pm. They always say either the live chat is closed or the call center is closed. I then try to make payment through calling and live chat, they say payment is declined. This company is a scam to get you locked into paying more then double the amount by not letting you speak to anyone before your 90days. I have pictures of chat times and calls for proof. I will seek legal action if I don’t speak to someone before the 6th. Do not work with this company!

  

  Business response

  08/30/2024

  We confirm our business hours are listed in Mountain Standard Time. Our records show Ms. Bell’s attempts to contact us outside of business hours. Pursuant to our records, during our business hours, Ms. Bell spoke with an Acima representative and it was determined that her card issuing bank placed a security hold on her card. Once she resolved this with her bank, we were able to assist her purchase her lease. Given these facts, we deny her allegations and consider this matter closed. If Ms. Bell has questions regarding her purchased lease, she may contact our Customer Service Department at (801) 297-1982.  

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