Complaints

This profile includes complaints for Acima's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Acima

  PO Box 1667 Draper, UT 84020-1667

  
• 

  Acima

  13907 Minuteman Dr 5th Floor Draper, UT 84020

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:09/20/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I contacted Acima on September 20, 2024 because I had 2 payments due on September 26 that I was hoping to adjust until October 3, 2024 due too having Covid and being off work for two weeks. My next paycheck won't be until October 3, 2024. I was told they could only move the payments until October 1, 2024 and if the payments failed I would be contacted by another department to set up arrangements to get caught up. If they try to process the payments on October 1 I will get charged 2 insufficient funds fees of $32 each from my bank since my bank account is already negative because of being off work for 2 weeks. They said they couldn't do anything more for me. So on top of paying ridiculous amounts of money for these 2 leases that I regret using thier services now I am paying extra bank fees because they won't work to get issues resolved satisfactorily for both parties. I will never use Acima again once I get out of this mess.

  

  Business Response

  Date: 09/24/2024

  Acima Leasing (hereinafter we, us, our Acima) received the complaint filed by Mr. ****** ****** through the Better Business Bureau on September 20, 2024. Mr. ******* complaint involves his rent payment arrangements, namely that we were unable to push his upcoming rent payment out to October 3, 2024.  
  Mr. ******* payment schedule is currently set as weekly. We are unable to push payments out past a certain date as that would otherwise materially increase the amount of each rent renewal payment. We do have some other options that may assist Mr. ****** in this situation. First, Mr. ****** may revoke authorization for automatic rent renewal payments, which would ensure Acima does not automatically attempt to take the rent payments. If Mr. ****** elects to do this, he remains responsible to manually make his rent renewal payments. Second, Mr. ****** could elect to change his rent renewal payment schedule to every-other-week, twice-monthly, or monthly. This would allow him to adjust the rent renewal payment date. Please note, should Mr. ****** elect to change his rent renewal payment frequency, he would be paying the equivalent of two to four weekly payments at one time. This is not an increase to the overall rent payment amount. If Mr. ****** wishes to make changes to his rent renewal payment schedule, he can contact our customer service department via the chat feature located at ************************* or via phone at **************. Please note, change requests to upcoming rent payments must be made at least 2 business days prior to the payment scheduled date.  
  We hope these options assist Mr. ******* he can contact us via the methods listed above for any changes to his leases.  

• Initial Complaint

  Date:09/20/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I revoked charges and they havent charged in month I woke up to money missing with nsf charge

  

  Business Response

  Date: 09/25/2024

  Acima Leasing (hereinafter we, us, our, Acima) received the complaint filed by Ms. ****** ****** on September 20, 2024, regarding her rental payments. We reviewed her lease and noted that there was a retried payment on September 18, 2024, of the failed rent payment from May 6, 2024. This payment failed to process successfully. Pursuant to paragraph 12 of the rental-purchase agreement (the Agreement) You authorize us to initiate an electronic fund transfer (EFT) over the *** network ... from any bank account (or if no bank account is specified, then any account or card) listed on your application... for any renewal payment provided in this Agreement by its renewal date...You agree that we may resubmit any returned EFT or card charge as permitted by law and network rules. We are not responsible for any bank fees you incur resulting from returned payments.  
  Ms. ****** desired resolution is for a refund. The payment in question failed, with the failure reason as provided by the ********************* Revoked by Customer. Please note, ********************** is authorized to retry failed payments. Additionally, we confirm Ms. ****** has not previously revoked payment authorization. To assist Ms. ******* we turned off future automatic payments. Ms. ****** will not have further rent payments attempt or previously failed payments retried. Please note, Ms. ****** is still responsible for making payment arrangements for her past-due and future rent.  
  As we have granted Ms. ****** request, we consider this complaint closed. Ms. ****** may contact our recovery department at ************** with further questions.  

• Initial Complaint

  Date:09/19/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to dispute an unauthorized account that appears on my credit report. I am a victim of identity theft, and this account was fraudulently opened in my name. I have submitted a complaint with ***************** to address this issue.Details of the account in question:Creditor Name: ACIMA DIGITAL FKA SIMP Opened Date: 5/21/2022 Account Number: ******** I request that this account be investigated and removed from my credit report. Please confirm receipt of this dispute and update me on the actions being taken to rectify the situation.Thank you for your assistance.

  

  Business Response

  Date: 09/25/2024

  We were unable to locate a lease account in our system matching the identifying information that Mr. ****** ******** ********* ** provided in his complaint. Mr. ********* may contact our customer service department by phone at ************** 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, **************** believes his identity was used to fraudulently create a lease, we request he files a police report and provides us with a full and complete copy of the same at ******************************* Upon receipt of the requested documentation, we will further investigate his allegation.

• Initial Complaint

  Date:09/18/2024

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Acima needs to stop contacting me period.I dont want to be contacted via phone. Only in writing from here forward. i have asked them and to no avail. you can not provide this information or change your contact preferences in the app or online. Moving forward i want them to only contact me in writing. there is to also be no e-mail contact. only via ****.

  

  Business Response

  Date: 09/25/2024

  Acima Leasing (hereinafter us, we, our, Acima) received the complaint by Mr. ***** ****** through the Better Business Bureau on September 18, 2024. We confirm that Mr. ******* lease had a do-not-contact order placed on his lease as of September 19, 2024. He will not receive further communication unless he specifically reaches out or requests it.
  
  As we have granted Mr. ******* desired resolution, we consider this matter closed. If Mr. ****** has additional questions, he may contact our customer service department at **************. 

  Customer Answer

  Date: 09/27/2024

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

• Initial Complaint

  Date:09/18/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Texas tires of Texarkana used this company. They set me up to have payments start before completing any work or providing any product. They damaged the product and did not do the work and I am not going to continue business with them and my lease needs to be canceled. There is no way to get in contact with a ***resentative of Acima to resolve the issue. I have tried email, calling three different numbers and using the chat option three times with no avail. Texas tires also acts like their hands are tied in assisting to resolve the issue. I do not *** this company and they are still emailing me to request payments. They have not called me back like the local *** said they would. Stay away from this company.

  

  Business Response

  Date: 09/26/2024

  Acima Leasing (hereinafter us, we, our, Acima) received the complaint by Mr. **** **** through the Better Business Bureau on September 18, 2024. We investigated this complaint and prepared the following response. 
  
  Pursuant to our records, on September 5, 2024, Mr. **** entered an independent third-party retailer *********** (the Retailer) located in *********, ********. While with the Retailer, he applied and was approved for our leasing services. On that same date, he selected leasable merchandise (the Property). Acima purchased the Property, and Mr. **** electronically entered into a rental-purchase agreement (the Agreement) wherein he agreed to rent the Property from Acima. Alternatively, he could execute any other early purchase or termination option outlined within the Agreement. 
  
  Upon the submission of this complaint, we have contacted the Retailer. We confirm the Retailer has communicated a no-return policy to ************.    Please note, that pursuant to paragraph 6 of Mr. ***** signed Agreement it states You are responsible for its safety until it is returned to **. However, Mr. **** may terminate the Agreement at any time and without penalty by returning the Property to Acima in accordance with our directions, pursuant to paragraph 9 of the Agreement titled, Termination. We confirm we work with all customers to return property and complete termination of the agreement if they so choose.   
  
  Mr. **** desired resolution is to Cancel the lease as it shouldnt exist and refund the money. As the Property has not been returned to Acima, we are unable to cancel the Agreement. We confirm Mr. **** elected to enter into the Agreement and abide by the terms and conditions contained therein. 
  
  Mr. **** additionally alleges the Property may be damaged. *********** has proof of the damage, we ask that he provide the evidence to our ********************** by emailing ************************************* *********** has any questions or concerns in regard to his Agreement or would like to explore any purchase, or termination options that may be available to him, he may contact our recovery department by phone at **************. 

  Customer Answer

  Date: 09/26/2024

   
  Complaint: 22305129
  
  I am rejecting this response because:

  Texas tires was allowed to submit their end of the paperwork for payment before any services or products were received. I agreed to purchase brand new wheels from them and they only offered damaged wheels after the fact. I decided not to let them continue their labor services on my car as I discovered they were not performing a complete installation on parts and they refused to tighten my vehicles lug nuts to factory specifications, leaving my car in poor driving condition (wobbling) which I am now waiting on parts to repair myself and not able to use my car in the meantime which has put me in a bind due to their negligence leaving my lug nuts loose and not properly balancing my tires. I would report TEXAS TIRES of *********, ***** directly, but they are not registered with the BBB. I see why, and I learned my ****** on checking on businesses beforehand. Acima has paid them for services/ and products I have not received and I refuse to take a product that is not as described as we agreed to, and I refuse to let them work on my vehicle and cause me any further damage. I would l appreciate this issue being resolved in a timely manner. I only agreed in person with Texas Tires to use Acima off the purchase was over $1,000.00, I agreed to pay them in cash otherwise. Now I have to go through this process and suffer with consequential damage from having them messing with my car.

  
  Sincerely,
  
  **** ****

  

  Business Response

  Date: 09/27/2024

  We find it unfortunate that Mr. **** is dissatisfied with the Agreement he previously signed, however, we confirm that he has yet to contact Acima to discuss return options, and has not provided proof of the damage he alleges. Again, we ask that he send the evidence of damage to ************************************ or contact ************** to discuss termination options. As we have provided him with further courses of action, we consider this complaint closed. We encourage him to contact us at his earliest convenience to resolve this matter. 

• Initial Complaint

  Date:09/17/2024

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The transaction took place around the 10th of Aug. They are the financing company. I reviewed my furniture on the 15th. I have a recipe for 1600$. My monthly payments were $354 on that day. They added hidden charges bring the payment to $436. They still haven't drafted money from my account which is suppose to be done om the 15th. I had to call them about They payment among so next month is suppose to be the next payment fir 354$. They say my payout is November 10th and if I don't pay it out my new balance will be $4300. That's over 50% in interest a d predatory as it violates an amendent.

  

  Business Response

  Date: 09/23/2024

  Acima Leasing (hereinafter us, we, our, Acima) received the complaint by Mr. ******** ****** through the Better Business Bureau on September 17, 2024. We investigated this complaint and prepared the following response.
  
  On July 28, 2024, Mr. ****** entered an independent third-party retailer ****** Furniture (the Retailer) located in ******, *******. While with the Retailer, he applied and was approved for our leasing services. On that same date, he selected leasable merchandise (the Property). Acima purchased the Property, and Mr. ****** electronically entered into a lease-purchase agreement (the Agreement) wherein he agreed to rent the Property from Acima. Pursuant to the Agreement, to obtain ownership of the ******************* could elect to make 12 monthly lease renewal payments of $354.67 before tax, plus an initial rent payment of $49.00 before tax for a total of $4,354.95 (the Total of Payments) before tax. Alternatively, he could execute any other early purchase or termination option outlined within the Agreement.
  
  Mr. ****** alleges [Acima] added hidden charges bring the payment to $436. In addition to entering into the Agreement, Mr. ****** opted into two optional services, Liability Damage Waiver (LDW) and Benefits Plus. Enrollment in optional services is not a condition to enter the Agreement. Further, members may terminate the optional service(s) at any time. Mr. ****** was presented with the optional services and their associated monthly cost. Upon him opting to enroll, enrollment forms were created and included in the signing process. Pursuant to the *** agreement, the monthly LDW fee is $35.46. Pursuant to the Benefits Plus enrollment form, the monthly membership fee is $$14.99. Mr. ****** signed the enrollment forms and agreed to the charges. Pursuant to the *** agreement it states If you want to stop buying LDW, just tell Acima. The *** fee will not be charged with your next lease purchase payment and Membership is optional. I, the member, can terminate the optional Acima Benefits Plus membership at any time by requesting orally or in writing a cancellation of my membership (page *****, the Agreement).  We confirm as of September 16, 2024, Mr. ****** has opted out of LDW and Benefits Plus.
  
  Mr. ****** claims [Acima says his] payout is November 10th and if [he doesnt] pay it out [his] new balance will be $4300. The Total of Payments is determined upon initiation of the Agreement. The Total of Payments does not change or increase. We deny the allegation that there is interest on the lease.
  
  If Mr. ****** does not wish to execute a purchase option disclosed in the Agreement, he may terminate the Agreement at any time without penalty by surrendering the leased property in accordance with our directions, pursuant to paragraph 9 of the Second Agreement titled, Termination.
  
  We hope this response assists Mr. ******* understanding of our lease terms. For any additional questions regarding his lease or to exercise any of the purchase or termination options, please contact our customer service department at **************.

• Initial Complaint

  Date:09/17/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I canceled a transaction with this complany on July 15, 2024. I **************** that ky credit card expiration date need to be updated to complet refund. The company claim they have no way to update information And Will send a Check. I called everyday until they finally said a Check oj August *******. They said wait 30 days. IT'S NOW SEPTEMPVER *******. No Check. Everytime I call, after being on hold for hours , all they do is read notes no axtion. Zero action just note reading. THE SUPERVISORS HAVE NO AUTHORITY. They're note readers as well. I ask to be transfered to accounting And they claim they cant. I just want my money

  

  Business Response

  Date: 09/24/2024

  Acima Leasing (hereinafter us, we, our, Acima) received the complaint by Ms. ***** ******** ******* through the Better Business Bureau on September 17, 2024. We have reached out directly to Ms. ******* and resolved this matter. If she has additional questions, she may contact our resolutions department at **************.

• Initial Complaint

  Date:09/16/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Fraud
  Christian, you're approved to lease up to $1,325.00 * at Laia Furniture.
  
  Your lease approval is good until:
  11/15/2024.
  
  You're Almost There!
  
  
  Shop Laia Furniture
  Choose eligible merchandise up to a total of $1,325.00 *.
  Your lease approval ID # is ********* 
  Complete your lease agreement
  Sign the agreement and make your initial payment.

  

  Business Response

  Date: 09/17/2024

  Acima Leasing (hereinafter “we,” “us,” “our,” and “Acima”) received the complaint filed by Ms. Christian Olowofela through the Better Business Bureau on September 16, 2024. We confirm that on September 16, 2024, Ms. Olowofela contacted us and the application associated with her identifying information was terminated. As the application has been canceled, we consider this matter resolved. If Ms. Olowofela has any additional questions regarding this response, she may contact our processing department at (801) 297-1980. 

• Initial Complaint

  Date:09/16/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I bought a pair of glasses from ******* *************** back on April 24th, 2024. Cost was $778.00. My insurance paid $458.00. I was responsible for $320.00 & so I agreed to pay the rest with Acima leasing. But I didn't know that I had until July 24th to pay that off with Acima Leasing & now they are STILL charging me ********* ALREADY PAID circa $351.00! And they won't STOP charging me or close my account until I pay ANOTHER $236.68 on 10/09/2024! (And if I pay off this amount EARLY, they will CONTINUE to keep charging me!)

  

  Business Response

  Date: 09/23/2024

  Acima Leasing (hereinafter us, we, our, Acima) received the complaint filed by Ms. ********* M ******* through the Better Business Bureau on September 16, 2024. We investigated this complaint and prepared the following response.
  
  Ms. ******* alleges she bought glasses from ****** *************** on April 24, 2024. This is not accurate. Ms. ******* elected to use Acimas lease-to-own services, wherein Acima purchased items selected by her and she took possession of the items after entering into a rental-purchase agreement with Acima. To further clarify, on April 24, 2024, Ms. ******* entered an independent third-party retailer ******************** (the Retailer) located in ********* ********. While with the Retailer, she applied and was approved for our leasing services. On that same date, she selected leasable merchandise (the Property). Acima purchased the Property, and Ms. ******* electronically entered into a rental-purchase agreement (the Agreement) wherein she agreed to rent the Property from Acima. Pursuant to the Agreement, to obtain ownership of the ******************** could elect to make 26 biweekly lease renewal payments of $30.10, plus an initial rent payment of $50.00 for a total of $832.50 (the Total of Payments). Alternatively, she could execute any other early purchase or termination option outlined within the Agreement.
  
  As a courtesy to the customer, ********************** offers two early purchase options (EPOs); each of which reduces the cost of ownership to the customer and terminates the Agreement prior to the completion of all scheduled rent renewal payments. The first EPO is a 90-Day EPO wherein a customer can obtain ownership of the property within 90 days of receiving the property by paying the disclosed purchase price. Ms. ******* had a 90-Day EPO purchase price of $395.00 which expired on July 23, 2024. Ms. ******* did not execute the 90-Day EPO as such the lease is continuing for the agreed-upon terms.
  
  Ms. ******* alleges, [She] didn't know that [she] had until July 24th to pay that off with Acima Leasing. On April 25, 2024, Acima sent Ms. ******* a Welcome to Acima email which contained links to Acimas Customer Portal, wherein she could view and manage her lease, including her 90-Day EPO expiration date. On May 8, 2024, Acima sent Ms. ******* a reminder email of her 90-day EPO date. Additionally, Ms. ******* was also advised during an inbound call on May 14, 2024, about her 90-day EPO expiration date.
  
  Ms. ******* claims, [Acima is] STILL charging [her] money... As of todays writing, Ms. ******* has not executed an early purchase option. However, we note that on September 17, 2024, she scheduled an early purchase payment for October 9, 2024. Upon this purchase payment being successful, Ms. ******** lease will be closed, and she will no longer have any payment obligations to Acima in connection with this lease.
  
  Ms. ******** desired resolution is for a Refund. We will not grant this request as we confirm she is not entitled to a refund. We confirm the purchase terms were fully disclosed within the Agreement, prior to Ms. ******* signing it.  Further, Acima conducted its due diligence by informing and reminding Ms. ******* of her 90-Day EPO expiration date, and she has not executed an early purchase option.
  
  We hope this response assists Ms. ******** understanding of the Agreement. As we have thoroughly responded to Ms. ******** we consider this complaint closed. If Ms. ******* has any questions or wishes to explore purchase, or termination options that are available to her, we encourage her to contact our customer service department at **************.
  

• Initial Complaint

  Date:09/13/2024

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I called Acima at 10:46 on Thursday to cancel my agreement and return items. I was told items would be picked up between 12-2 on Friday. No one ever came. I contacted the store (Luxury Home Furniture) they said they don’t know anything about it. I contacted Acima no one picks up the phone now. I just want to return the items. I was under the impression that everything was submitted yesterday.

  

  Business Response

  Date: 09/16/2024

  Acima Leasing (hereinafter “we,” “us,” “our,” “Acima”) confirms receipt of the complaint filed by Mr. Terrance White through Better Business Bureau on September 13, 2024. We reviewed Mr. White’s lease and confirm he recently spoke to our resolutions department on September 13, 2024, regarding the return. For assistance regarding returns, we kindly request he contact our resolutions department at (801) 297-1986, so we can assist him directly with the matter.  

  

  Business Response

  Date: 09/20/2024

  Acima Leasing confirms a pickup of the merchandise was completed today, September 20, 2024, and we have been in communication with Mr. White by phone. As such, we consider this complaint closed. We confirm we do not “screen” calls, and Mr. White may contact us at ***** ******** with further questions, or via our chat feature located on acima.com.  

  Customer Answer

  Date: 09/23/2024

   
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 22283167, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  Terrance White