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Acima Credit Reviews (246)

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

Acima Credit, LLC (hereinafter “Acima,” “us,” “we,” “our”) received Mr***’s rejection of our response on April 24, 2018.After reviewing Ms***’s complaint and account, we would like to speak with Mr*** directly to understand more about his application process We ask that Mr*** email our Compliance Department at [email protected] or call us at (801) 297- We look forward to working with Mr***

Acima Credit, LLC (FKA: Simple Fi***; hereinafter “Acima” or “us” or “we”) received the complaint filed by Ms*** *** through the Revdex.com on April 16, We have investigated the allegations made and are prepared to provide all the facts surrounding the transaction to fully
explain the nature of the Lease Agreement (“Agreement”) and the contractual obligations of Ms***.Ms*** called Acima on April 11, to inquire about our 90-day early purchase option (EPO) During this call, she was informed that her first monthly payment is due April in the amount of $plus 8.25% rental sales tax and to pay off her lease within days, she must call in additional payments Our agent made Ms*** aware that additional payments will pre-pay her account and diminish her regular monthly payments At this time, Ms*** elected to make an additional payment of $($toward rent and $tax) towards her 90-Day EPO balance of $through an ACH payment routed to her checking account During this phone call, our agent informed Ms*** that ACH payments can take up to days to clear her bank and that the payment made during the phone call must clear for the payment to reduce her regular monthly payment Ms*** was informed that if the additional payment of $clears her bank before her regular monthly payment due on April 14, her monthly payment would be due in the amount of $plus tax instead of $plus tax Because the additional payment initiated on April did not clear her bank before April 14, her regular monthly payment was drafted in the full amount of $plus tax (totaling $87.68) Ms*** has reported to us that she will place stop payments on both payments If she follows through with this threat, her account will be considered past due and her account will be sent to our Collections Department Ms*** has asked that her payments be applied to her next regular monthly payment scheduled for May 15, If the payments from April and clear in our system, her account will be pre-paid and will credit her payment due May We hope Ms*** finds this explanation satisfactory We appreciate Ms***’s business and look forward to working with her If Ms*** requires or desires further information, we encourage her to call our Customer Service Department at (801) 297-

On November 28, 2015, *** *** entered Furniture &
Mattress Discount King (“FMDK”), located in Carlisle, PA, an independent
third-party merchant. The resulting
transaction between Mr*** and FMDK required the leasing services of Simple
RTO, LLC (DBA: Simple Finance, hereafter
“Simple” or “us” or we”) Mr*** filled out an application to lease
various furniture items through SimpleOn November 28, 2015, Mr*** signed
the “Lease Agreement with Right to Purchase” which describes therein the terms
of payments owed
1.
Mr*** stated in his complaint, “Unauthorized payments taken from bank
account various times and various amounts.”
The Lease Agreement fully explains the frequency of payments
processed and amounts owedIn section two (2), titled “Payments”, it says, “An
initial rental payment of $is due when this Agreement is signed, and
additional payments of $*** are due weekly thereafter while the Agreement
remains in force…” The Lease Agreement continues, “The total of your payments
will be $***.” By July 15, 2015, Mr*** had made thirty-three (33)
payments of $***, plus the “initial rental payment of $25.00”, for a total of
$***Mr*** still owed $*** to pay the full “Total of Payments”
of $***
On July 23, 2015, Simple processed a regularly scheduled
weekly minimum payment of $***, that later returned on July 31, On July
27, 2015, Simple processed the regularly scheduled weekly minimum payment of
$***, which also later returned unpaid on August 5, Pursuant to the
Lease Agreement, any failure to make a payment owed by its scheduled date
constitutes a breach of the Lease AgreementIn section eight (8), titled
“Default and Reinstatement”, it states, “You will be in breach of this Agreement
if you fail to make any payment within one (1) business day after its scheduled
date …” By August 5, 2015, Mr***’s account was found delinquent due to two
(2) regularly scheduled payments that returned to us unpaidHe was notified by
Simple of the returned payments, at which point a catplan was created to
bring Mr***’s account currentThe catplan later failed due to additional
returned paymentsMr*** authorized Simple to draft payments through the
financial institution provided to us in the applicationIn section nine (9) of
the Lease Agreement it says, “You authorize us to initiate an electronic fund
transfer (“EFT”) over the ACH network (or another network of our choosing) for
any scheduled payment you owe under this Agreement from the following account [Bank
Account].” Along with the minimum regular payment of $***, late fees and
returned payment fees were charged to the account pursuant to the authorization
included in the Lease AgreementIn section ten (10) it says, “You agree to pay
us $25.00…for each payment (check, debit, EFT, Card charge, or automatic
payment), which is returned to us unpaid.” It also states in paragraph eleven
(11), “Late Fees: If you fail to make your periodic payment on time, you will
be required to pay a late fee of 5% of the past-due payment or $3.00…”
2.
Mr*** also stated, “Threats for collections but still taking payments.”
Simple monitors the status of each account and any declined,
or returned paymentsWhen an account has become delinquent, it is subject to
collection efforts by representatives of Simple, for payments owed plus late
feesIt states in the Lease Agreement in section twelve (12), “Collection
Costs: You are responsible for all costs of the collection including attorney
fees, arbitration costs, court costs, charges and fees, costs of repossession,
and collection agency fees…” There were no “threats” of collections to Mr
***, rather, notices that collection efforts would be made by Simple if his
account remained delinquent
It also states in section 13, “Use of Property: You do not
own the Property unless you have made all payments required under this
Agreement…” Simple is the owner of leased property until the Total of Payments
has been receivedMr*** has not paid the Total of Payments owed to
institute a transfer of ownership of the propertyWe will continue our
authorized right to contact Mr*** in an effort to obtain payments owed to
usIf Mr*** is unwilling to make the Total of Payments, which has a
remaining balance of $***, then Simple will exercise its right to contact
him in an effort to repossess the property we ownIn the case that Mr***
wishes to reinstate his account, we will gladly engage in the appropriate
discussions to do soSimple is willing to work with Mr*** with respect to
additional late fees, if he will contact Simple immediately and make plans to
bring his account current

Acima Credit, LLC (FKA: Simple Finance; hereinafter “Acima” or “us” or “we”) received the complaint filed by Ms*** *** through the Revdex.com on February 25th, We have investigated the allegations made and are prepared to provide all the facts surrounding the transaction to
fully explain the nature of the Lease Agreement (“Agreement”) and the contractual obligations of Ms***.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 financingOn March 28, 2016, Ms*** applied and was approved for our leasing services through an independent third-party, Today’s Furniture (the “Merchant”), located in Philadelphia, Pennsylvania Ms*** was approved for $1,of financing to purchase a king size mattress, a bunk bed frame, two mattresses for the bunk bed, and a chest (the “Property”) Our Agreement is a 12-month lease of the Property from Acima to Ms*** The Agreement stipulates she must pay regular lease renewal payments of $weekly for twelve (12) months to acquire ownership of the Property The total of all payments she would make for the duration of the 12-month lease is $3,113.20, unless she exercises one of the two early purchase options (EPOs) available to her She paid a $application fee in-store and a $account closure fee is added into the 90-Day early purchase option (EPO) to give the total 90-Day price of $1, The 90-Day EPO is a courtesy we provide to our customers to allow them to pay off the Agreement early and save some money Ms***’s 90-Day expiration date was July 3rd, 2016.Ms*** alleges in her complaint that Acima charges “100% interest on their loans and the customer is not given this information.” On the contrary, Acima does not charge interest on our Agreements We distribute the total cost to ownership ($3,113.20) over the course of the 12-month lease term through weekly payments of $ The regular lease renewal payments reflect the total cost to ownership and the finance charge associated with leasing the Property Therefore, Acima does not charge interest as we are not extending loans but rather leasing the Property to Ms*** for a weekly fee of $for monthsFurthermore, Acima does provide all information regarding the Agreement At the time Ms*** signed the Agreement, the Agreement in its entirety was available for viewing and printing prior to signing Additionally, Acima sends a copy of the Agreement and a Welcome Letter to the address the customer provides on their lease application We have record of sending these documents to Ms*** on April 5, The documents were not returned as undeliverable to Acima by the USPS Therefore, we had no reason to believe Ms*** did not receive a copy of the Agreement Ms*** has asked Acima not to call her We will cease telephone communication with Ms*** Ms*** has stated she has placed a stop payment on her bank account and intends to discontinue her regular lease renewal payments As of February 28th, 2016, her account is days past due Per the Agreement, Ms*** does not own the Property and does not have the right to keep the Property and discontinue regular payments This is a breach of the Agreement If Ms*** wishes to keep the Property, she must honor the Agreement and make timely lease renewal payments and satisfy her past due balance If Ms*** no longer finds the terms of the Agreement desirable or cannot make her payments, she has the right to terminate the Agreement by returning our Property to us and paying any applicable outstanding balances We require Ms*** to contact our Collections Department at (801) 297-to resolve her delinquency immediately

Dear Revdex.com: Although the $early pay-off processing fee was part of the lease-purchase agreement, we will regardless refund her the $ She was a good customer We will do all we can to resolve this issue expeditiously Sincerely, Jesse S*Executive
Vice-PresidentSimple Finance

On January 20, 2018, Acima Credit, LLC received a complaint filed by Ms*** *** through the Revdex.comWe have contacted Ms*** independently and are working together on a solution to her complaint If Ms*** requires additional information, we encourage her to
call our Customer Service Department at (801) 297-

On March 15, 2018, Acima Credit, LLC (hereinafter “Acima,” “we,” “us,” “our”) received a complaint filed by Mr*** *** through the Revdex.comWe have investigated the allegations and have prepared a response to explain the nature of the Lease-Purchase Agreement (the
“Agreement”) and the contractual obligations for Mr*** 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 leaseUnder the Acima lease program, a customer selects property from an independent third-party merchant, and Acima purchases that property from the merchantThe customer takes the property and leases it from Acima until all of the scheduled payments have been madeAfter all the payments have been made, the Agreement has been 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 at the invoice price, plus a $initial payment and a $account closure fee, within the first days of the Agreement 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 payments To exercise either EPO, a customer must call Acima’s Customer Service Department and initiate the payoff processAcima will not initiate the 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 from the customer’s preferred payment method Acima builds and formulates our agreements based on the information we receive from the customer on their application for our services Mr*** listed that he received paychecks on a semi-monthly scheduleAcima formulated his Agreement such that each lease renewal payment would be drafted automatically from his checking account twice per month All payment terms, amounts, and authorizations are contained in Paragraphs 2, 3, 11, 12, and of the Agreement On November 24, 2017, Mr*** entered into the Agreement wherein he agreed to rent a sofa (the “Property”) from Acima through semi-monthly lease renewal payments of $for a total of $to to satisfy the Agreement The 90-day EPO of $and the $buyout fee expired on February 22, From the commencement of the Agreement, Mr*** has not cooperated with Acima representatives Acima records all telephone and online chat conversations with our customers to ensure the best customer service During a phone call on November 24, 2017, our agent explained the Agreement to Mr***, including the option to set up his account to automatically pay-off his Agreement within the 90-Day EPO period Our customers are permitted to set up this plan after their first renewal payment has been madeMr*** did not request enrollment in the 90-Day payment plan after his first renewal payment cleared his bank As stated in Paragraph of the Agreement, “Your first Renewal Payment will be due on the date of your first pay check received after our merchandise has been delivered, but no sooner than days after your delivery date.” Acima followed this provision and withdrew Mr***’s renewal payment of $from his checking account on December 4, Mr*** charged the payment back with his bank and called Acima stating he wanted to change his payment frequency to once monthly on the 20th of every month Our agent offered to change his frequency to monthly on the 20th of every month and advised him it would raise the payment amount from $to $He refused this offer and requested to return the PropertyOur agent emailed the piinstructions to Mr*** following the termination of the call Acima accommodates returning the Property in accordance with the terms of the Agreement and our instructions Because the Agreement constitutes a lease of the Property, Mr*** is obligated to pay for the time he possessed the PropertyAs stipulated in Paragraph of the Agreement, Mr***’s daily lease rate is $Mr*** may return the Property to Acima by arranging a piof the Property with Acima and paying the daily lease rate multiplied by the number of days he possessed the PropertyWe have record of sending the piinstructions to Mr*** at his request several times He has refused to comply with the instructions to initiate a pick-upUntil Mr*** complies with these terms, his payment obligations will continue Acima is authorized to report Mr***’s payment history to Experian under Paragraph of the Agreement To date, we have reported accurate payment informationWe have accommodated and investigated all disputes Mr*** has submitted to us We have validated that Mr***’s payment history is reported correctlyIf Mr*** has any new documentation to substantiate inaccurate reporting, we would be happy to investigate his claims Mr*** alleges that Acima has refused to work with him to resolve his issues This is untrueAcima has gone to great lengths to work with Mr*** to resolve his issues, but he has repeatedly refused to comply with instructions or make payments He has called our Customer Service Department numerous times and has used offensive and abusive language with our agentsOur agents do not have to endure mistreatment from upset customers Acima seeks to offer high quality customer service We hope Mr*** chooses to work with Acima in a friendly and professional manner to resolve his account issues If Mr*** wishes to work to resolve the issues in his complaint, he may call our Collections and Recovery Department at (801) 297-

Complaint: ***
I am rejecting this response because: can you please tell them to submit any receipts of text messages or email please and I will surely with everything in me apologizeI promise I haven’t seen a letter receipt text message and or email since the one when they send out about the buyout with the assumption that folks get income taxWhich I do not but that’s neither here or thereThe company is a joke the fridge that we have was bought with dents scratches and missing shelves and we are required to pay full price for damaged goodsNothing against the company but that’s obserdI will give you 400-500$ to buy out this mess because Acima are liarsPeriod they know they have never had a issue with me the two reps I spoke to said two different reasons in which I didn’t receive statements and the reasons of lack of communicationNot saying that I was over my days but as I said like they sent a buyout with tax emai to get money obviously they could have done the same when we were approaching the end of our daysWhom ever is typing the lies have no morals or customer care, one the customer should be priority and first and two to throw out just flat lies to downplay the fact they need better communicationYou take out money every week since we startedBut you mean to telll me you couldn’t sent out an alert or receipt or statement or warning or emailPlease horrible customer service and very unprofessionalIf you read the first two lines of their statement it contradicts itselfEither you can send it or you can’tEither I have to request it or you sent it which ones is itThe lady on the phone said no we don’t do it, the supervisor said I have to request it Then satated we don’t do statements whoever is typing needs to reposted to the recording because obviously someone is lying to you too
Sincerely,
*** ***

Acima Credit, LLC (FKA: Simple Finance; hereinafter “Acima” or “us” or “we”) received the complaint filed by Ms*** *** through the Revdex.com on March 31, We have investigated the allegations made and are prepared to provide all the facts surrounding the transaction to
fully explain the allegations in Ms***’s complaint.Ms***’s regular lease renewal payments were arranged to match her paycheck schedule Ms*** authorized Acima to draft payments from her bank account on file on the 15th and last day of every month On March 29, 2017, Acima’s payment system malfunctioned and drafted Ms***’s regular lease renewal payment early This resulted in a $overdraft fee and a total overdraft of $ We apologize to Ms*** and will be issuing the refund she has asked for of $today, March 31, Refunds generally take up to business days to post to our customer’s bank account based on the ACH network and the customer’s banking institution Ms*** has been an excellent customer to us and we hope she finds this solution satisfactory If Ms*** requires or desires further information regarding her account, we welcome her to call our Customer Service Department at (801) 297-

Simple RTO, LLC (d/b/a: Simple Finance, hereinafter “Simple” or “us” or “we”) received the complaint filed by Ms*** *** through the Revdex.com on September 26, On October 4, 2014, Ms*** entered Mattress Outlet (the “Merchant”), an independent third-party
located in Cedar Rapids, IA, and conducted a transaction that required the leasing services of SimpleMs*** signed a “Lease Agreement with Right to Purchase” (the “Agreement”), which allowed her to possess tangible personal property owned by Simple, by paying periodic lease renewal paymentsSimple is a virtual rent-to-own organization that provides alternative leasing options to consumers who may not qualify for traditional financing optionsWe purchase household goods from independent third-party merchants and then offer a 12-month lease of our purchased property to consumers who are approved for our servicesMs*** applied and was approved for this leasing service on October 4, Ms*** stated in her complaint, “I had intended to pay cash but decided to use their financing after a hard-sale that included assurances several times over that the payments, when paid on time and in full would be reported to creditSimple Finance has not reported the payments or loan pay-off to my credit.” While Simple cannot verify what information was given by the Merchant, we can verify that Simple employees are trained and informed on Simple’s policy regarding furnishing credit information to consumer reporting agenciesSimple furnishes positive and negative information regarding every lease on a daily basis to DataX, Ltda regional consumer reporting agency with whom we have a contractual obligation and responsibility to furnish consumer informationDataX is not a part of the tri-bureaus (Equifax, TransUnion, Experian)Any transference of consumer information between DataX and the tri-bureaus is wholly based upon their individual business relationship obligations, of which Simple has no partWe have no contract with the tri-bureaus and therefore have no mechanism by which we can report information to themSimple only reports to DataX through our own proprietary technology, of which has no interface that reports information to the tri-bureausSimple does not control what information the tri-bureaus elect to purchase and reportMs*** expressed her desired solution of reporting her account to the major tri-bureaus or refunding the financing expense of $As previously explained above, Simple does not have the capacity to report accounts to the major tri-bureausHowever, it is understood the motivation behind Ms***’s purchase to ultimately provide positive information to the tri-bureausHad Ms*** been aware of the nature of reporting to a CRA with DataX and not the tri-bureaus, it may have affected her decision to use Simple to finance her propertyTherefore, in an effort to find a resolution that is satisfactory and fair to both parties, Simple will contact Ms*** to discuss the possible resolutions available to herWe have appreciated Ms***’s business and perfect payment history and will negotiate a reasonable resolution as an act of good faith in hopes to retain an amicable business relationship

Complaint: ***
I am rejecting this response because:
Sincerely,
*** ***

Complaint: ***
I am rejecting this response because:The contract I agreed to with the agent, I purchased the furniture clearly stated I would pay the furniture off in daysThe deductions from my checking account are not accurateAn amount of $was deducted from my checking every weeksThis equals I only financed $dollarsAicma told me the extra charges were added because of state taxes, however, this disclaimer is not in the contract. I can send a screen shot of the customer address, name and account number Aicma sent meI believe this customer should be made aware of the Hippa breech!
Sincerely,
*** ***

Acima Credit, LLC (hereinafter “Acima,” “we,” “us,” “our”) received a complaint filed by Ms*** *** through the Revdex.com on April 20, 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***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 Acima then purchases the property from the merchant and the customer takes possession of the property as a lease from Acima until all scheduled 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 AgreementOn April 6, 2018, Ms*** signed the Agreement wherein she agreed to rent a television console, an ottoman, a beige sectional sofa, a large rug, and counter-height table and chairs (the “Property”) through bi-weekly payments of $for a total of $5,(the “Total of Payments”) Acima uses SMS text messages to our customers’ cell phones to verify information to commence and authenticate AgreementsSpecifically, Acima sends SMS text messages to our customers’ to confirm delivery of the propertyOn April 6, at 5:PM MST, Acima sent an SMS text message to Ms***’s cell phone The message said, “***, did you receive all your merchandise from Discount Furniture? Reply YES or NO, or call 801-297-(Reply STOP to unsubscribe).” On that same date at 5:PM MST, Acima received an SMS text message from Ms*** saying, “Yes.” Upon verification of delivery from Ms***, Ms***’s Agreement was officiated As stated under Paragraph of the Agreement, “[Ms***’s] first Renewal Payment will be due on the date of your first pay check received after our merchandise has been delivered, but not sooner than days after your delivery date.” Ms*** reported to us that she is paid bi-weeklyHe first pay check was due to her on April 20, Since the Property was delivered to Ms*** on April 6, the first payment was properly due on April On April 9, 2018, Ms*** called Acima to change her payment frequency from bi-weekly to monthly We accommodated this requestAs a result of the changed frequency, her monthly payments would be due on the 20th of every month in the amount of $ Ms*** was informed her 90-Day EPO is set to expire on July 8, 2018, her 90-Day EPO balance of $2,is due by that date, and her Total of Payments for the 12-month term is $5, Ms*** told Acima she wished to cancel the lease as she did not have room for the Property in her living spaceWe advised Ms*** that in order to cancel, the merchant would have to send us a cancellation notice On April 19, 2018, Ms*** called us to complain we should not charge her payment due the following day because she had not received the PropertyWe advised Ms*** that she verified delivery of the Property on April 6, Our Resolutions Department investigated the discrepancy alleged by Ms*** Ms*** claimed to our agent that the merchant had instructed her to verify delivery without receiving the Property We informed Ms*** that if that was the case, she had misrepresented her position to us and we were not responsible for the consequences of her misrepresentation We contacted the merchant and verified that Ms*** has possession of the Property and the merchant will not accept a return of the Property and cancel the Agreement as is their business policy Because Ms*** verified delivery of the Property and Acima has purchase the Property, Acima will not cancel the leaseMs*** has options available to her Ms*** may continue with her Agreement and make payments as agreed, or she may initiate a return of the Property through Acima according to the procedure listed under Paragraphs and of the Agreement We appreciate Ms***’s business We hope this explanation of the Agreement and the events surrounding its commencement resolves Ms***’s complaint If Ms*** has further questions about her Agreement and the options available to her, she may call our Collections and Recovery Department at (801) 297-Tell us why here

Acima Credit, LLC has responded to Mrs*** on three separate occasions (3/22/18, 3/28/18, and 4/2/18) and has addressed each of her complaints in detailWe find it unfortunate that Mrs*** has not found our responses satisfactoryHowever, our response will remain the sameWe thank Mrs*** for her feedback

On March 13, 2018, Acima Credit, LLC (hereinafter “Acima,” “we,” “us,” “our”) received a complaint filed by Ms*** *** through the Revdex.comWe have investigated the allegations and have prepared a response to explain the nature of the Lease-Purchase Agreement (the “Agreement”) and
the contractual obligations for Ms*** 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 leaseUnder the Acima lease program, a customer selects property from an independent third-party merchant, and Acima purchases that property from the merchantThe customer takes the property and leases it from Acima until all of the scheduled payments have been madeAfter all the payments have been made, the Agreement has been 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 at the invoice price, plus a $initial payment and a $account closure fee, within the first days of the Agreement The second EPO stipulated 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 payments To exercise either EPO, a customer must call Acima’s Customer Service Department and initiate the payoff processAcima will not initiate the 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 from the customer’s preferred payment method On July 31, 2017, Ms*** entered into the Agreement wherein she agreed to rent a sofa set (the “Property”) from Acima through bi-weekly lease renewal payments of $for a total of $1,to satisfy the Agreement The 90-Day EPO amount of $expired on November 7, Ms*** alleges that she spoke with an Acima agent during the underwriting process who confirmed she was enrolled in the 90-Day EPO payment plan We have no record of such a conversation or enrollmentCustomers may enroll in the 90-Day EPO payment plan following their first successful lease renewal payment If a customer wishes to enroll in this payment plan, they must call our Customer Service Department and make payment arrangements following their first lease renewal payment Ms*** did not speak with an Acima agent until February 20, Ms*** alleges we are lying about our records and tricked her to allow the 90-Day EPO period to expire Acima keeps detailed records of all telephone and online chat conversations with our customers to ensure consistent and accurate information is given Ms*** called Acima on August 9, and left a voicemailOur agent returned her call, but was unable to reach Ms***Our agent left a voicemail with Ms*** to call Acima if she had remaining questions We did not hear from Ms*** again until February 20, at which time she was informed her 90-Day EPO had expired on November 7, 2017, and she was eligible for the second EPO as outlined in the terms of the Agreement Following the February 20, contact, Ms*** called again regarding the total of payments and the 12-month term of the leaseOur agent offered to settle her account and Ms*** accepted Acima has not misrepresented any information to Ms*** The 12-month term of the Agreement and the payment amounts have been the same since the commencement of the Agreement We hope this explanation helps Ms*** understand the Agreement and her obligations thereunderAs of the date of this response, Ms***’s Agreement has been terminated and she has no outstanding obligations to Acima If she has remaining questions or concerns, she may call our Customer Service Department at (801) 297-

Acima Credit, LLC (FKA: Simple Finance; hereinafter “Acima” or “us” or “we”) received the complaint filed by Ms*** *** through the Revdex.com on May 2, We have investigated the allegations made and are prepared to provide all the facts surrounding the transaction to fully
explain the nature of the Lease Agreement (“Agreement”) and the contractual obligations of Ms***.Simple RTO, LLC (d/b/a Simple Finance) changed its name in January to Acima Credit, LLC There was no change in ownership or management at the time of the name change On February 26, 2016, Ms*** entered the Agreement with Acima for a lease of a bed, dresser, and mirror (the “Property”) through Roomstyle Furniture (the “Merchant”), an independent third-party furniture vendor Over the course of the 12-month lease of the Property, Ms*** was scheduled for automatic bi-weekly payments of $to be drafted from her bank account for twelve (12) months On May 2, 2017, Ms*** was sent an email warning that her account is days past due The email does not threaten “court action” as Ms*** alleges in her complaint The email is a warning to prevent her account from being charged off If Ms***’s account remains delinquent and no action is taken to resolve her delinquent account status, her account will be charged off The email encourages Ms*** to contact Acima because Acima is “willing to work with [Ms***] to determine a fair resolution for both parties and [is] willing to do so.” As of the date of this response, the offer still stands Ms*** alleges that her “auto draft has been coming out of [her] account every two weeks.” Ms*** was removed from automatic payment drafts in June due to multiple non-sufficient funds (NSF) returned payments As of now, the Agreement has passed its 12-month term and all amounts and balances on the account are due and payable The remaining balance is $including all remaining rent balances and fees No discounts are available Ms*** alleges our collections agent “could not explain why payments were coming out [of her bank account] and for what.” We have record of a call from Ms*** on May 1, wherein our agent explained to Ms*** that the payments taken from her account were part of a plan to diminish her account balance Ms*** alleges she will obtain a bank statement to dispute any payments wrongfully drafted from her bank account Acima welcomes the opportunity to review Ms.***’s payment history with her Ms*** has stated that she never received an email containing the fax number to send in her bank statement Our agent noted that during the phone call with Ms*** on May 1, an email containing the fax number was sent Ms*** can send the bank statement by fax to (801) 987-or by email to [email protected] We hope Ms*** finds our explanation satisfactory If Ms*** requires or desires further explanation regarding our Agreement, we welcome her to call our Collections Department at (801) 297-

We lament Ms***’ dissatisfaction with our initial response to her complaintHowever, we fully investigated the facts surrounding Ms***’s account and stand by our initial responseFor further questions, Ms*** may contact our Customer Service Department at (801) 297-

Complaint: ***
I am rejecting this response because:I was not made aware of the numbers, meaning an actual price, until the text message as the fees were listed on the contract in a manner which is difficult for the average buyer to understandIt was too late at that point to stop the process as I already agreed to things, signing electronically, before that final number which is 52% higher than the price of the furniture being leased was revealed to meUsing unclear terms and conditions, intentionally hiding the outrageous fees that are somehow legal. Had the price been clear, saying 52% at day I would have simply left the storeAcima lent the money to the furniture place, and there’s no way to return all of this nowI don’t even care for the furniture knowing how expensive it is and seeing that this company is trying to make it look like I was aware of that steep priceI could have gotten free furniture, as a disabled veteran but wanted to buy itUntil I realized how this is totally unfair, charging 52% interest essentiallyI believe they are aware of the revenue they make, obviously preying on is like me who have low credit scores.The price of the furniture, is not worth over 3k, so if they can offer a way to return it all that would be great, I will dispute this until it is resolved at this point it’s just ridiculous how they could get away with charging that to begin with regardless of my consent electronicallyThat’s the real reason I am complaining to the Revdex.com, is because other reviews of the company have same complaintsI’m not the only one who feels the terms are hiding this price, and they feel deceived by Acima.
Sincerely,
*** ***

Acima Credit, LLC (“Acima”) received the complaint filed by Ms*** *** through the Revdex.com on April 10, We have investigated her complaint and prepared our response below Ms*** entered into a lease-purchase agreement (the “Agreement”) with Acima on January
17, wherein she agreed to rent a living room set and a dining room set through bi-weekly payments of $for a total of $2, On April 21, 2017, Ms*** failed to make a rental renewal payment of $85.35, making her account past dueOn April 26, 2017, Ms*** requested a piof the property and termination of her lease with AcimaAcima notified Ms*** that if she returned the property and paid her past due balance of $(past due rent plus fees), her lease would be terminatedMs*** returned the property but she never paid her past due balance On November 16, 2017, Ms***’s account was charged off due to her non-payment of the past due balance of $Due to an error in our reporting system, Ms***’s account was reported to Experian as having a past due balance of approximately $1,Acima has since corrected this reporting error and has sent the correct past due balance information to Experian Experian may take several days to update their records; however, Ms*** may check back with Experian and/or Acima later to verify the corrected changesWe thank Ms*** for bringing this matter to our attention and encourage her to contact us again for any further questions or concerns in the futureShe may reach Acima at (801) 297-

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Address: 9815 S Monroe St Fl 4, Sandy, Utah, United States, 84070-4296

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