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Acima Credit Reviews (246)

Acima Credit, LLC received the complaint filed by Ms [redacted] through the Revdex.com (Revdex.com) on May 15, regarding her lease-purchase agreementWe have reached out to Ms [redacted] and are working with her to resolve the matter outside of the Revdex.comIt is our understanding that Ms [redacted] is satisfied with our proposed resolution

On April 26, 2018, Acima Credit, LLC (hereinafter “Acima,” “we,” “our,” “us”) received a complaint filed by Ms [redacted] through the Revdex.com We have investigated the allegations and have prepared a response to explain the situation subject to Ms [redacted] ’s complaintOn March 7, 2018, Ms [redacted] entered a lease-purchase agreement (the “Agreement”) with Acima to finance the purchase of tires and wheels (the “Property”) The Agreement stipulates that the customer will not commence payments until their first payday following the delivery of the Property, but no sooner than seven days after delivery The core of Ms [redacted] ’s complaint is that she does not have all of the Property in her possession due to a failure by FedExThe Property, with the exception of one wheel and tire, has been reported by FedEx as lost and unrecoverable as of March 27, Ms [redacted] is in possession of one wheelMs [redacted] ’s plea for relief is to have the Agreement cancelled We are happy to accommodate this request, provided Ms [redacted] returns the wheel in her possession To begin arrangements for lease cancellation, Ms [redacted] may call our Resolutions Department at (801) 297-

Complaint: [redacted] I am rejecting this response because: they overcharged meI payed more then the price of the sectional They did not provide with a contractThey didIt provide statementsThey did not make the withdrawals on time like they agreed toThey did not mention anything g about the interest rateI end up paying $vs $I don't want a full refundI want the extra money they took from meAnd I want them to acknowledge that they were wrong and the fact they did not send me the contactI want the difference back $back because they overcharged me Sincerely, [redacted]

Acima Credit, LLC received the complaint filed by Ms [redacted] through the Revdex.com on April 18, We are working directly with the customer to resolve the issues Ms [redacted] complained of in her complaintWe are asking Ms [redacted] to contact our Compliance Department either via email at [email protected] or by telephone at (801) 297-

Acima Credit, LLC (hereinafter “Acima,” “us,” “we,” “our”) received a complaint filed by Ms [redacted] through the Revdex.com on April 30, We have investigated the allegations and prepared a response to explain the nature of the Lease-Purchase Agreement (the “Agreement”) and the contractual obligations of Ms [redacted] Acima is a virtual rent-to-own company offering alternative financing for those who may not qualify for traditional financing Acima offers only one lease model, which is a 12-month leaseThe Acima lease program allows the customer to select property from an independent third-party merchant and Acima Purchases the property from the merchant The customer takes possession of the property and leases it from Acima until all the scheduled lease renewal payments have been madeAfter all payments have been made, the Agreement is satisfied and the customer owns the property As a courtesy to our customers, Acima offers two early purchase options (“EPOs”); each of which reduces the cost of ownership to the customer, and satisfies the Agreement earlier than the 12-month contractual term contained within the Agreement The first option is a 90-Day EPO This option allows our customers to purchase the property within the first days of the Agreement at the invoice price, plus a $initial payment, and a $account closure fee (the “Acima Cash Price”) The second EPO stipulates that a customer may terminate the Agreement at any time after the first days of the Agreement by paying a lump sum equivalent to 75% of the remaining lease renewal paymentsTo exercise either EPO, a customer must call Acima’s Customer Service Department to initiate the payoff process Acima will not initiate an EPO payoff without appropriate consent from the customer because such action would necessarily require Acima to violate the terms of the Agreement by withdrawing more than the regularly scheduled payment amount from the customer’s preferred payment methodAcima uses an advanced authentication method in which most Agreements are entered into electronically We initiate an SMS text message to our customers’ cell phones containing a unique identification code to be used as the customers’ electronic signature and official authorization of the Agreement Acima sent an SMS text message to Ms [redacted] ’s cell phone on January 20, at 2:PM MSTThe message said, “Notice! Using this code is equal to physically signing your lease agreement with AcimaCode: [redacted] (Reply STOP to unsubscribe).” Ms [redacted] then used the code and entered into the Agreement to rent three twin bed sets (the “Property”) through weekly payments of $plus a $initial payment for a total of $1,(the “Total of Payments”)Ms [redacted] alleges we provided her the wrong information and had incorrect information listed on her account Acima keeps detailed records of all communications with customers to ensure consistent and accurate conversations between agents and customers All of the information listed on Ms [redacted] ’s account is that information provided by her to Acima on her applicationOn January 20, at 3:PM, an Acima agent called Ms [redacted] ’s cell phone and verified her contact information, paycheck dates, and expected delivery dates of the Property We have record of Ms [redacted] receiving our welcome email after signing the AgreementThe welcome email contains the Agreement and a letter listing the 90-Day EPO expiration dateMs [redacted] ’s 90-Day EPO expired on April 22, If Ms [redacted] did not receive this email due to an inaccurate email listed on her account, it is no fault by Acima Acima exercised adequate due diligence in ascertaining Ms [redacted] ’s contact information during the verification call on January 20thMs [redacted] called Acima on April 30, and was informed her 90-Day EPO had expired As a customer service courtesy to Ms [redacted] , our agent offered her an extension to exercise her 90-Day EPO for an additional fee of $ Ms [redacted] refused this offerMs [redacted] has threatened to chargeback all payments and demands Acima to refund all money collected from her Should she chargeback her payments, she will be in violation of the Agreement and subject to penalty feesAs stipulated under the Agreement, “WE OWN THE PROPERTYThis Agreement is a lease You do not have the right to keep the Property if you do not make timely Renewal payments.” Ms [redacted] has options available to her to terminate the Agreement She may continue making payments on the Property until the end of the Agreement, exercise her second EPO, or return the Property to Acima in accordance with Paragraph of the Agreement and pay any outstanding charges due If Ms [redacted] wishes to pursue any of these options, or has additional questions about her Agreement, she may call our Customer Service Department at (801) 297-

We, Simple Finance, and our retail merchant have been very accommodating to [redacted] (the "Consumer") The Consumer claims that we made "incorrect statements" in our response to Consumer's complaint, without stating which statements were incorrect We hereby reassert that our response is true and correct The Consumer claims that she did not see an "attached signed copy of the lease agreement." This also is untrue Not only did the Consumer electronically sign the lease agreement in the store (as the Consumer acknowledges "as part of the (her) application process," but she also received a copy of the electronically-signed agreement from us, and as attached to our response to this complaint The Consumer misunderstands the lease-purchase agreement she entered into We, Simple Finance, fund the lease to our merchant upon 1) the consumer signing the lease and 2) the merchant delivering the property to the consumer The fact is, this lease was effective upon her signing and the merchant's delivery In addition, the $payment she made in the store, was not a processing fee, but rather the Consumer's "Initial Lease Payment," consummating the lease agreement Furthermore, the Consumer is leaving out very important information: Our merchant has bent over backwards trying to please the Consumer The merchant sent his delivery guys three-times to piand/or replace the furniture which the Consumer alleges is "incomplete" or broken (although Consumer initially claimed that the property was never even delivered, but later admitted was just flawed or incomplete - which we believe goes to the Consumer's credibility and trust-worthiness) Each time the merchant attempted to pior replace the furniture, it cost him $for the use of a moving truck and movers She failed to be at her home at the scheduled time or refused to open the door to the movers She also has not made herself available to the merchant who has done everything he can to make the Consumer happy with her lease-purchase What is more, we have reason to believe that she has intentionally broken the furniture, as her pictures may indicate Although our merchant is still willing to replace and pithe property, he is also willing to testify that the furniture was not delivered in that condition The Consumer is not making herself available to us or our merchant to cure this problem by either re-delivering the property to our merchant nor allowing for the delivery of replacement property Please note that termination of the lease can only happen by 1) requesting a termination of the lease and 2) re-delivering the property back to the merchant So long as the property is not re-delivered to the merchant's location, the "Daily Lease Rate" will continue to accumulate We care not that the Consumer "rejects" our response She is in the wrong, and we will continue to accumulate past rent due (based on Daily Lease Rate) so long as she refuses to re-deliver the property to our Merchant or makes herself available for our piof the property items Sincerely, Jesse *S*VP of Compliance

Acima Credit, LLC (FKA: Simple Finance; hereinafter “Acima” or “us” or “we”) received the complaint filed by Ms [redacted] through the Revdex.com on June 16, We have investigated the allegations made and have since resolved the issues in Ms [redacted] ’s complaint Ms [redacted] has requested we defer a payment that was drafted early to be paid at the end of her 12-month lease agreement This is not an accommodation Acima offers Acima is a rent-to-own company that purchases personal property and subsequently rents the property to the customer through regularly scheduled rental renewal payments Acima cannot defer payments as each payment renews the lease agreement for the scheduled period The lease agreement is not a loan in as much that interest is charged on the principle loan amount and each payment pays down the principle Rather, each payment made on Acima’s lease agreements renew the lease for a scheduled rental period Due to Ms [redacted] ’s contact settings, we are unable to reach her by phone or email Ms [redacted] may expect a letter containing the details of the resolution she requested We apologize for the inconvenience and difficulty this issue has caused Ms [redacted] Acima greatly values Ms [redacted] and her patronage and we hope to continue an amicable relationship If Ms [redacted] desires further information, she may call our Customer Service Department at (801) 297-

The warranty Ms [redacted] is referring to in her complaint, whether or not she called it a manufacturer’s warranty, is in fact, a manufacturer’s warrantyThe Merchant did not go out of businessThey have relocated to a new addressThe address of the Merchant is [redacted] ***We encourage Ms [redacted] to go to the new address and speak with the Merchant regarding the warranty process We have made note of Ms [redacted] ’s refusal to pay her contractual obligationsWe have also ceased all communication with Ms [redacted] via email and phoneMs [redacted] ’s payment obligations will continue while she remains in possession of the propertyShould Ms [redacted] wish to honor the terms of her Agreement, she may contact us at (801) 297-

Acima received Ms [redacted] ’s second rejection on February 22, We have provided all facts surrounding the dispute We regret Ms [redacted] is not satisfied with the information and resolution provided However, there is nothing more Acima is willing or capable of offering If Ms [redacted] requires further information, we invite her to call our Customer Service Department at (801)297-

Simple Finance received the complaint filed by Mr [redacted] on November 25, We have reviewed the complaint, his agreement with us, and all the notes regarding his contact with usMr [redacted] states: “ Simple Finance didn’t take my payment as we agreed on November 4th of 2016.” Simple Finance received a phone call from Mr [redacted] on October 17th to inform us that he would not be able to make his scheduled payment on October 25th, and to request an extensionThe representative who spoke with Mr [redacted] advised him that since he had not made any payments on his account, he was ineligible for a deadline extensionMr [redacted] stated that he would be able to make a payment of $on November 4thThe representative advised Mr [redacted] that at that time he will be past his 90-day deadline, and his lease pay-off amount will then be $1,Mr [redacted] called again on November 4th wanting to pay $to close his accountHe was advised that since he is past his 90-day deadline, a payment of $would not be sufficient to close his account, but that it could be applied to the current balance of $1,Mr [redacted] then stated that he would need to speak to his attorney first and ended the call without making that payment of $The Agreement that Mr [redacted] signed outlines his options to purchase the merchandise as follows: “Early Purchase Options: 90-Day Buyout: You may choose to purchase the Property at any time during the first ninety (90) days of this Agreement by paying $("90-Day Buyout")The 90-Day Buyout amount equals the Simple Cash Price, plus a 90-Day Buyout Fee of $0.00, minus any periodic lease payments you have made, plus any other chargesEarly Payoff: After ninety (90) days of this Agreement, you may purchase the Property by paying seventy-five (75%) percent of the total remaining periodic lease payments, plus any other chargesYou must be current in your payments to exercise an early purchase option.” Mr [redacted] would like to pay the 90-Day Buyout amount even though that option has expiredNormally, we will consider a request to extend the 90-Day Buyout when the customer is currentUnfortunately, Mr [redacted] has not made any payments on his accountAt this time, Mr [redacted] has the option of paying $1,(75% of $1,421.76) to buy out his lease early, or he may call our Customer Service Department at to initiate a catplan to bring his account current and resume payments for the full lease term

Acima Credit, LLC (hereinafter “Acima” or “us” or “we”) received Ms [redacted] ’s rejection of our complaint response on February 24, Ms [redacted] has rejected our response based on a misunderstanding between Acima, the Merchant, and Ms [redacted] Ms [redacted] alleges in her rejection comments that she has “spoke with both an employee and a manager at the store [she] purchased the ‘Property’ and neither know of the 100% interest fee applied to the purchase price if the price was not paid off in days.” Ms [redacted] claims the Merchants’ lack of knowledge is the reason she did not know about the “100% interest fee.” We would like to first address the lack of knowledge regarding our Merchant The Agreement is a binding contract between Ms [redacted] and Acima regarding our purchase of the Property from the Merchant The Merchant is a third party to the Agreement between Ms [redacted] and Acima Therefore, the Merchant’s explanation of the Agreement terms is ultimately independent of the actual transaction and Agreement terms The Merchant acted as an agent on Ms [redacted] ’s behalf and provided information regarding the Agreement upon which Ms [redacted] based her decision to initiate the Agreement If Ms [redacted] feels the Merchant was untruthful or hid terms of the Agreement, she must seek relief with the Merchant Secondly, as thoroughly explained in our previous response, Acima does not charge interest on our lease agreements We offer one Agreement model This Agreement is a 12-month lease of the Property to the customer with regular lease renewal payments made over the course of the 12-month term The regular lease renewal payments reflect the total contracted rental price of the Property Acima encourages our customers to pay off leases early in order to save our customers some money The 90-Day early purchase option (EPO) is our most affordable option because customers have days to pay off the retail price of the Property We also provide a secondary EPO that is useable at any time throughout the term of the Agreement Customers may use this EPO by paying 75% of the remaining Agreement balance Ms [redacted] is invited to exercise this EPO at any time to terminate her Agreement with us Acima looks to enrich the lives of our merchants and customers by providing alternative financing and excellent service We hope Ms [redacted] finds this information satisfactory If Ms [redacted] requires or desires further assistance with her Agreement, we encourage her to contact our Customer Service Department at (801)297-

Acima Credit, LLC (“Acima”) received a complaint filed by Mr [redacted] through the Revdex.com on September 8, We have investigated the allegations in the complaint and have prepared a response below to the complaint In Mr [redacted] ’s complaint, he states that his wife attempted to access information on his account with Acima and was not granted access by a representative of Acima because his wife was not an authorized userOn September 8, at 8:AM, Mrs [redacted] called Acima asking to know the balance of her husband’s accountOur representative informed her that we could not give her that information as she was not an authorized user on her husband’s accountShe was informed that Mr [redacted] would have to call Acima personally and authorize us to speak with his wife On that same day, and less than an hour after the first phone call, at 8:AM, Mrs [redacted] called Acima again and spoke with the same representative that had taken her call the first timeDuring this second phone call, Mrs [redacted] claimed to be Mr [redacted] However, Mrs [redacted] spoke with the same Acima representative during both phone calls she placed that day, and the representative immediately recognized her voice as Mr [redacted] ’s wife, and not Mr [redacted] himselfThe representative denied Mrs [redacted] access to the accountMrs [redacted] was very upset that we did not believe her to be Mr [redacted] During the investigation of Mr [redacted] ’s complaint, we reviewed both phone calls placed by Mrs [redacted] on September 8th and confirmed it was her same voice claiming to be Mr [redacted] Acima values the privacy of each customer with whom we do businessWe expect Mr [redacted] can understand and appreciate our level of security measures to secure his private informationOn September 11, 2017, Mr [redacted] called Acima and authorized his wife to speak on his behalfOnce Mr [redacted] had authorized his wife on his account we were more than happy to discuss the account in detail with herShe paid off the account on September 11, and the account was closed Acima never violated any law or regulation by denying Mrs [redacted] access to her husband’s account prior to being authorized on the account

Simple RTO, LLC received the complaint filed by Mr [redacted] , on behalf of his wife [redacted] , through the Revdex.com on October 12, We have investigated the allegations made and will be adjusting Ms [redacted] ’s lease per her requestWe have contacted a consignment merchant in her area and have made arrangements to have the merchandise she does not wish to keep picked upWe will be adjusting her lease based on the merchandise she is going to keep and, if applicable, will administer a refundIf there is anything remaining owed to us by Ms [redacted] , we will address that in her lease adjustmentWe hope to maintain an amicable business relationship with Ms [redacted] and Mr [redacted] , and look forward to doing business with them in the future

Complaint: [redacted] I am rejecting this response because: The last response is completely incorrect.Acima Says: "Firstly, as mentioned before, the customer is allowed to view the contract at the time the PIN in the text message is received on the customer’s cell phone The Portal the Merchant (Furniture Queen) uses to enter the code and sign the lease contains the Agreement in full for viewing and printing purposes Ms [redacted] was not obligated to sign the Agreement immediately following the receipt of the PIN text message."^ There is NOTHING, not ONE piece of information about me being in affiliation with any contract, Acima, nor any payment plan at all on www.furniturequeen.com portalRevdex.com- Please see attached info to login to my personal portal to see first hand that this is clearly not trueThe entire complaint is based around the company reporting information, as seen here, and that their wording is misleadingHere we see they are saying that it was now the merchant themselves that had me sign the agreement over the phone, that too, is incorrectI was on the phone with Simple Finance (now ACIMA) when that "contract" (which was sent as PDF in the last complaint) was "signed"Acima also says, "Secondly, Acima did send a hard copy of the Agreement to Ms [redacted] at the address she listed on her application She later mentioned she was unable to receive mail at the listed address as she had moved It is the customer’s responsibility to report address changes to us A copy of the Agreement is attached and sensitive information has been redacted for security purposes."^ Now as I mentioned in my first message of complaint that they dissected entirely, yet chose to not address this- " Because what they did was, have me approve the loan thinking it was going to be days, and "mail" a contract to an address that I no longer lived at, and I had JUST changed my address with them because I had JUST moved." It was my responsibility, and I took care of itPlease see my attached PDF's to login to my Furniture Queen portal that this company is absolutely full of itThe attached document they sent was not given to me until my phone call with this company on February 7th, At that point it was immediately e-mailed (which they could have done prior to, yet did not) I also have evidence of my documented move, forwarding address request and if nethe information from the old land lord that I had access to my mail at the apartment listed until June 30, Acima did not send this information outas mentioned in several previous complaints on their companyThere is a reason they keep it electronically and send it VIA mailThere is no true recordThey can stick to their claim that they have sent it, they can stick to their claim that the customer relieved it, but they have no evidence to prove that as they would with e-mailIf any customer got that contract and saw they would pay the company twice as much for the furniture if they didn't pay by "X" date, they would jump hoops to make that happenIf you pulled my credit report you would see I ALWAYS make extra payments to any minimum payment dueI am continuing to this date to pay this dreadful companyAcima is able to take advantage of customers by:1.) Not informing customer that there is a huge penalty if the "early day buy out" isn't done before you sign the contract OR after for that matter.2.) Preform any and all services electronically, yet not provide a portal to view your account(- balances, payments, etc.) nor allow you to view your contract electronically3.) Not send the customer the real contract out, or if they do, VIA mail so that there is no way of tracking that the customer ever actually received the information.4.) Lead you to believe you can sautomatic payment plans that work for you over the phone, yet then tell you noThey do not allow you to set the automatic payment that they draft out, to ensure you pay off in the days.5.) They do not send monthly statements of your payment history, remaining balances, etcVia mail, as they state it is in effort to save paper I will continue to fight until this company is reprimanded for doing bad businessThey have clearly taken advantage of too many customers as they have them in this contract blindlyI will pay my fees "due" and I have not caused the company any problemsWith that said, I will not call the company back; as their representative told me there was absolutely nothing they could do for me Therefor, I will continue providing any and all information to expose this fraudulent company Sincerely, [redacted] ***

Acima Credit, LLC (FKA: Simple Finance; hereinafter “Acima” or “us” or “we”) received the complaint filed by Mr [redacted] through the Revdex.com on June 29, We have investigated the allegations and are prepared to provide all the facts surrounding the transaction to fully explain the nature of the Rental-Purchase Agreement (“Agreement”) and the contractual obligations of Mr***.Acima is a virtual rent-to-own organization that partners with retail merchants to provide alternative lease-purchase financing to those who may not qualify for traditional financing On June 7, 2017, Acima purchased a new queen mattress and box spring (the “Property”) from Mattress Clearance Center (the “Merchant”), located in Terre Haute, Indiana, for $ Mr [redacted] subsequently entered into a Rental-Purchase Agreement with Acima to rent the Property through weekly payments of $plus sales tax for a term of twelve (12) monthsMr [redacted] complains that he was misinformed, claiming the payment amounts given to him included sales tax The Agreement clearly states in Section 2, titled Sales Tax, that “the amounts reflected in this Agreement do not include sales tax Acima charges sales tax with each Renewal Payment when required to do so by your state Your payment amount may change to the extent the rate of sales tax changes after the date of this Agreement.” The Agreement is a legal-binding contract between Acima and Mr*** Further, the State of Indiana requires sales tax be paid on every renewal payment as each payment applies to the eventual purchase of the Property Sales taxes are levied on merchandise or service purchases Mr***’s weekly renewal payment amount is $ The total amount of sales tax Mr [redacted] is required to pay per payment is $ Therefore, his weekly renewal payment total is $ We are unsure what Mr [redacted] is asking for in his requested solution However, Acima owns the Property Mr [redacted] does not obtain ownership rights to the Property until he fulfills the total of payments to ownership or exercises an early purchase option (EPO) Until he makes the total of payments, or exercises an EPO, Mr [redacted] is required to continue his renewal payments on the Property We hope this explanation helps Mr [redacted] understand his Agreement and tax obligations to the State of Indiana We appreciate his business and patronage with Acima If Mr [redacted] requires or desires further information, we invite him to call our Customer Service Department at (801) 297-

We have received Mr [redacted] ’s rejection on behalf of Ms [redacted] We have further investigated the arrangements mentioned in our previous response and have come to a resolutionWe have confirmed that as of Friday, November 11, 2016, the merchandise that Ms [redacted] did not wish to keep has been picked upMr [redacted] claims that he and Ms [redacted] had paid $toward the other merchandise that we are leasing to themAlthough we have no record of that payment, we have decided in good faith to close their lease and allow them to keep the remaining merchandiseNo refund will be administered to Ms [redacted] , and nothing is owed to us by herWe look forward to doing business with her in the future

Acima Credit, LLC (hereinafter “Acima,” “us,” “we,” “our”) received a complaint filed by Ms [redacted] through the Revdex.com on April 18, We have investigated the allegations and prepared a response to explain the nature of the Lease-Purchase Agreement (the “Agreement”) and the contractual obligations of Ms [redacted] .Acima is a virtual rent-to-own company offering alternative financing for those who may not qualify for traditional financing Acima offers only one lease model, which is a 12-month leaseThe Acima lease program allows the customer to select property from an independent third-party merchant and Acima purchases the property from the merchant The customer takes possession of the property and leases it from Acima until all the scheduled payments have been madeAfter all payments have been made, the Agreement is satisfied and the customer owns the propertyAs a courtesy to our customers, Acima offers two early purchase options (“EPOs”); each of which reduces the cost of ownership to the customer, and satisfies the Agreement earlier than the 12-month contractual term contained within the AgreementThe first option is a 90-Day EPO This option allows our customers to purchase the property within the first days of the Agreement at the invoice price, plus a $initial payment, and a $account closure fee (the “Acima Cash Price”) The second EPO stipulates that a customer may terminate the Agreement at any time after the first days of the Agreement by paying a lump sum equivalent to 75% of the remaining lease renewal paymentsTo exercise either EPO, a customer must call Acima’s Customer Service Department to initiate the payoff process Acima will not initiate an EPO payoff without appropriate consent from the customer because such action would necessarily require Acima to violate the terms of the Agreement by withdrawing more than the regularly scheduled payment amount from the customer’s preferred payment methodAcima uses an advanced authentication method in which most Agreements are entered into electronically We initiate an SMS text message to our customers’ cell phones containing a unique identification code to be used as the customers’ electronic signature and official authorization of the Agreement Acima sent an SMS text message to Ms [redacted] ’s cell phone on January 27, at 1:PM MSTThe message said, “Notice! Using this code is equal to physically signing your lease agreement with AcimaCode: [redacted] (Reply STOP to unsubscribe).” Ms [redacted] then used the code and entered into the Agreement to rent a full-size mattress and box spring (the “Property”) through bi-weekly payments of $and a $initial payment for a total of $(the “Cost of Lease”)Ms [redacted] alleges that she did not have the opportunity to see the Agreement prior to signing and that we did not send her a copy of the Agreement after signing The electronic signing process allows for the customer to view and print the Agreement prior to signingAdditionally, Ms [redacted] could have called Acima at any time and requested a copy of the unsigned Agreement prior to or after signing Acima mailed a physical copy of the Agreement to Ms [redacted] at the address listed on his applicationMs [redacted] alleges we charged her extra fees The invoice price of the Property was $The Acima Cash Price for the 90-Day EPO is the invoice price ($140.00), plus the initial payment ($50.00), plus the $account closure fee These payment terms are detailed within Paragraphs 2, 3, and of the AgreementOn January 30, 2018, Ms [redacted] called Acima to go over the Agreement terms and payment scheduleMs [redacted] rejected Acima’s authorization to automatically draft payments from her checking account when the payment becomes due Because automatic payments were deactivated, Ms [redacted] incurred two late fees of $each totaling $Ms [redacted] paid a total of $in late fees and the EPO account closure feeAll fees were explained and authorized under Paragraph of the AgreementAs of the date of this letter, Ms [redacted] has exercised her 90-Day EPO for $in rent and sales tax So long as the final payment clears and is not cancelled, Ms [redacted] ’s account will remain closed as paid-in-full Ms [redacted] has asked us to refund fees charged to her accountAll fees charged on Ms [redacted] ’s account were valid fees contracted for under the Agreement We value our customers and appreciate Ms [redacted] ’s business We hope this response explains the Agreement and fees charged to Ms [redacted] ’s account If Ms [redacted] has remaining questions, she may call our Customer Service Department at (801) 297-

Simple RTO, LLC (DBA: Simple Finance, hereinafter “Simple” or “us” or “we”) received the complaint filed by Ms [redacted] through the Revdex.com on June 16, We have spent much time reviewing the complaint and the allegations made therein in an effort to verify all the facts surrounding the situation, and provide insight into how Simple has attempted to find a resolution that satisfies both partiesMs [redacted] - [redacted] applied and was approved for the leasing services of Simple Finance through an independent third-party, Car Stereo of Texas (the “Merchant”), located in Westheimer, TX, on March 12, On that same day, Ms [redacted] - [redacted] entered into a Lease-Purchase Agreement (“Agreement”) with Simple, to lease four (4) new car tires (the “Property”)Pursuant to the Agreement, Ms [redacted] - [redacted] is to make her lease renewal payment every-other-week, beginning March 31, 2016, by automatic draft from the checking account she provided to usThe first two lease renewal payments, due on March 31st and April 6th, were both processed and later returned unpaid due to insufficient fundsSimple has a return payment fee of $for returned payments and other late fees for any failure to make a payment within three (3) business days of the due date (if pay frequency is bi-weekly)These two returned payments left Ms [redacted] -***’s account with Simple, delinquent with $in feesIt is Simple’s policy that when an account has become delinquent, we will offer catplans to help the customer become current on their account within a reasonable and non-burdensome time periodWhen setting up a catplan, Simple representatives are encouraged to obtain alternate billing methods (other than new checking account information) to be used with a catplan, as credit cards provide immediate payment confirmation and ACH transactions have a pending status of 3-business daysMs [redacted] - [redacted] called Simple on April 12, 2016, to update her billing informationAt that time, her account was in a ‘past due’ statusAccording to Simple’s policy, her credit card information was obtained for purposes of setting up a catplan to bring her account current by April 15, Ms [redacted] - [redacted] provided us her credit card information and authorization to run the catplan payment and all future automated paymentsThe catplan payment was processed and approved on the credit card on April 15, Bringing her account current and maintaining her on the automated payment system agreed upon in the AgreementMs [redacted] - [redacted] claimed that she requested that her checking account information be deleted, and verified with us that it had been deleted; however, Simple has no record in our notes that Ms [redacted] - [redacted] ever requested her checking information be deleted, only updated to a credit cardMs [redacted] - [redacted] also claimed, “The manager admitted that they was aware I requested to cancel the wellsfargo info and they still continue to bill the account.” Simple has no record of notes indicating that a Customer Service manager was aware of such notification and chose to ignore the request by billing the same account that had been closedMs [redacted] - [redacted] also claimed that the manager would not listen to the recording of the phone call and was only willing to rely upon notesSimple does not have a recording of the phone conversation and therefore could not review it to verify what was said during the callHowever, Simple takes pride in the quality of our customer service by making it a priority to adhere to reasonable requests by customers, according to approved company policy, to provide them with a satisfactory customer service experienceAs of May 10, 2016, Simple had processed a total of four (4) payments for Ms [redacted] -***Those four (4) payments were processed on the following dates; (i) March 31, 2016, as ACH; (ii) April 6, 2016, also processed as ACH; (iii) April 15, 2016, which was the one-time catplan payment; and, (iv) April 29, 2016, on the automatic payment systemMs [redacted] - [redacted] called Simple on May 10, 2016, alleging we had processed a payment on the wrong account which incurred NSF fees from her bankShe requested that all NSF fees be refunded to herOur representative explained to Ms [redacted] - [redacted] that we would not guarantee any refund but she may submit a bank statement for us to reviewIn the event that we had processed an unauthorized payment that resulted in an NSF fee, we would honor our error and refund money to the customerHowever, upon receipt and review of Ms [redacted] -***’s bank statement, we found that the two NSF fees she desired to be refunded to her, were not eligible for a refundThe first NSF fee was incurred from a transaction that was not with Simple and the second fee was incurred by a Simple transaction that was authorized at the time is was processedMs [redacted] - [redacted] called Simple on June 13, to notify us that her payment on June 10, 2016, would return unpaidUpon this notification, our representative attempted to create another catplan for Ms [redacted] -***Ms [redacted] - [redacted] refusedShe said that until Simple approved a refund of money to cover her NSF fees from her bank, she would refuse to continue making payments on her accountOur representative explained that failure to make timely payments on her account would result in delinquency, and may incur more feesMs [redacted] - [redacted] stated that she did not care if she went to collections or incurred more fees because she would refuse to pay themShe became abrasive and used inappropriate language with our representatives while they were attempting to assist her, and later she ended the phone conversation abruptlyMs [redacted] - [redacted] also claimed, “They won’t assist meThey won’t allow or provide me with corperate office information to make a complaintWhen you request a mailing or email address they state they don’t have anything.” On June 16, 2016, Ms [redacted] - [redacted] called Simple and requested corporate contact informationThe representative that answered her call, gave her the customer service email which is the main receptacle that Simple utilizes to receive any customer complaintSimple has made various attempted to explain to Ms [redacted] - [redacted] the nature of any transactions that may have caused NSF fees and the terms of the Agreement, specifically in regards to authorization of paymentsWe affirm that at the time of every payment transaction with Simple, Ms [redacted] - [redacted] authorized each processed paymentMs [redacted] - [redacted] is still bound by the Agreement to make her lease renewal payments as she is still in possession of our PropertyIf she does not wish to continue making lease renewal payments, we can arrange a time to piour property and terminate the Agreement after the requirements of Daily Rent, as described in the Agreement, have been satisfiedWe will not be responsible for any fees incurred from any other institution, or from previously authorized transactionsSimple remains willing to work with Ms [redacted] - [redacted] to help bring her account

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because:The company continues to lie about items and they did not include information that I tried to make certain arrangements to make payments and they continued to use the same account that they had previous but was informed that it was no longer active not only that the company was asked to change the day of the month to a certain day but they refused also Sincerely, [redacted]

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