Complaints

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:06/20/2024

  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.

  Formal Complaint Regarding Acima's Mishandling of Lease Agreement I am filing a formal complaint against Acima regarding the rental-purchase agreement (#********) initiated on March 2nd, 2024, with **************** for the acquisition of a NEW ****** CUBAN LINK 14K necklace, ANILLO DISENO 14K ring, and DIJE LETRA E 14K pendant. My dissatisfaction arises from Acima's consistent failure to provide accurate and timely information throughout our transaction.From the outset, Acima neglected to disclose the crucial 7-day grace ****** for an early purchase option beyond the lease term when I contact them. This omission resulted in an unexpected charge of $1036 above the initial Acima Cash Price of $1,170.00, which includes a $70.00 markup over the retailer's invoice price. Despite my intention to exercise the early purchase option and promptly paying $964.67 towards this amount, Acima's inconsistent communication further complicated my understanding and decision-making process because even the manager of that department accepted that it was a mistake on their end .Additionally, my request for access to call recordings to substantiate these discrepancies was unjustly denied by Acima, severely hindering my ability to clarify the misinformation and inconsistencies encountered during our interactions. Currently, Acima insists on a total payment of $2,714.40 plus tax over an extended year-long contract, which exceeds reasonable expectations given the circumstances. Had I been adequately informed about the early purchase option's terms initially, I would have chosen to settle the remaining balance under the agreed-upon conditions.Moreover, uncertainty surrounding the return policy adds to my dissatisfaction. Despite seeking clarification on potential reimbursements for payments already made, I received conflicting responses, leaving me uncertain about the outcomes should I opt to return the items.

  

  Business Response

  Date: 06/21/2024

  Acima Leasing (hereinafter we, us, our, Acima) received the complaint filed by *************************************** through the Better Business Bureau (BBB) on June 20, 2024. We reviewed her complaint and prepared the following response.  
  
  ************** alleges she was not informed of a 7-day grace ****** for an early purchase option. Please note, Acima is not obligated to offer an extension of any early-purchase option pursuant to the rental-purchase agreement (the Agreement) she entered into. ************** had a first early-purchase option available to her through May 31, 2024. This option has since expired, and is no longer available. We confirm we consistently provided ************** with information regarding her first early-purchase option expiration date of May 31, 2024, via both email and during our phone communication with her.  
  
  ************** alleges there was an unexpected charge added to her lease terms. This is not true. Acima disclosed the cost of leasing to ************** prior to her entering into the Agreement, and additionally provides access to an online customer portal which allows customers to see the status of their lease at any time, including current purchase options. The expiration of Ms. ****** first early-purchase option does not constitute an increase to her payment obligations or to the total amount necessary to obtain ownership of the property she selected. 
  
  ************** alleges she received inconsistent communication, but does not specifically indicate what those inconsistencies are. We reviewed our communication with ************** and confirm she was provided accurate and timely information regarding her lease and purchase terms.  
  
  ************** alleges Acima insists on a total payment of $2,714.40. This is not accurate. Currently, ************** may obtain ownership of the property for $991.21 before tax. ************** may utilize her second early-purchase option at any time by making a lump sum payment equal to 65% of any remaining rent renewal payments. This option is consistently available throughout the remainder of the Agreement. Please note, this amount is subject to change. Additionally, ************** is not obligated to purchase the property that is the subject matter of the Agreement. She may return the property to us at any time and terminate the Agreement. Additionally, in order to provide clarification regarding returns, the Agreement states, If you choose to return the Property thereafter, you must pay the unpaid Daily Lease Rate for the time you possess the Property, plus Other Charges due...Your Daily Lease Rate is $7.44." 
  
  If ************** wishes to explore her current purchase or termination options, she may contact our customer service department at **************.  

• Initial Complaint

  Date:06/20/2024

  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.

  My problem is that one company gave another company my information and that company is trying to collect money from me. The account is not mines and I ask them to validate the debt and they couldnt

  

  Business Response

  Date: 06/21/2024

  Acima Leasing (hereinafter we, us, our Acima) received the complaint filed by ************************* through the Better Business Bureau (BBB) on June 20, 2024. ************ did not provide sufficient identifying information or proof of the alleged lease to match her to a record in our system. We encourage ************ to contact us directly by phone at ************** so we may assist her in locating the lease in question. Alternatively, ************ may provide proof of her previous request to validate or the communication she received via the BBB complaint portal, and we will review and attempt to locate the lease in question.  

• Initial Complaint

  Date:06/15/2024

  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.

  Im being taxed double.Leased item was taxed when item was purchased from merchant ( virtual card given by acima to pay)Now Im paying taxes again with acima to take ownership of item. In ********, the approach towards sales tax concerning rentals and leases of tangible personal property is different than in many other states. Broadly speaking, ******** does not levy a sales tax directly on the lease or rental payments for tangible personal property. Instead, the sales tax is applied to the lessors acquisition of the property. Consequently, the lessee doesn't directly pay sales tax on their lease payments. However, the lessor does have the right to seek reimbursement for the tax they have already paid from the lessee.Specifically, as per the Illinois Administrative Code, the sales tax is imposed on the property at the time the lessor acquires it. Once this tax has been paid by the lessor, the lessee's payments remain exempt from tax.In ********, regarding sales and use taxes on rentals and leases of tangible personal property, you typically do not pay taxes double. Heres why:Sales Tax on Lessors: When a lessor (the entity leasing out the property) acquires tangible personal property, Illinois imposes a sales tax on that acquisition. The lessor pays this tax upfront.Exemption for Lessees: The lessee (the entity leasing the property) does not directly pay sales tax on their lease payments. Once the lessor has paid the sales tax on the acquisition, the lease payments made by the lessee are generally exempt from additional sales tax.

  

  Business Response

  Date: 06/17/2024

  Acima Leasing (hereinafter we, us, our, Acima) received the complaint filed by Mr. ************************* through the Better Business Bureau on June 15, 2024, concerning sales tax paid on rent payments. We reviewed his complaint and provide the following information.  
  Please note, sales tax is, in fact, required in the state of ******** to be paid on all rent payments made. We reviewed ****************** rent payments and confirm that Acima is correctly adding tax in accordance with the amount of the rent payments. Pursuant to paragraph 2 of ****************** rental-purchase agreement, Acima charges and collects tax with each Renewal Payment when required to do so by your state.  
  We encourage **************** to contact our customer service department directly at ************ with additional questions regarding tax and how it may be applicable to his lease. 

• Initial Complaint

  Date:06/14/2024

  Type:Service or Repair 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 purchased a mattress and bed set from Ashley ********* using Acima. I was lied to in store regarding my account/payments and ********************** chat told me to they lied to me basically. I did not make payments because I did not have the money, AGAIN because I was told something different in store. Fast forward, I receive emails stating my lease has expired and that I would need to call to reinstate. Fine, I will when I can. I moved my RENT money to my bank account and lo and behold, Acima decided to reinstate my lease by themselves without permission basically and now Im looking at eviction. Yall can take the bed back at this point because it looks like in 30 days I wont have anywhere to place it. My bank has since put a stop to payments to Acima, and now I have to fight for a dispute because they decided to lie to my face in store and proceed to reinstate a lease without my knowledge.

  

  Business Response

  Date: 06/24/2024

  Acima Leasing (hereinafter we, us, our and Acima) received the complaint filed by ********************************* through the Better Business Bureau on  June 14, 2024. We have attempted to reach out directly to **************** but were unable to establish contact. Nevertheless, we investigated her complaint and prepared the following response.   
  
  **************** claims she was provided inaccurate information by the retailer. We can confirm that Acima works closely with our retailers to train and confirm they are providing accurate information regarding our services and payment amounts to customers. Additionally, any statements made by third-parties do not constitute an agreement between ******************** and Acima. Nor can she reasonably rely on them to inform the Agreement. Indeed, paragraph 15 of the Agreement states, This Agreement represents the entire agreement between you and us.  
  
  We confirm that Acima conducted our due diligence by providing all pertinent information including a full copy of the Agreement prior to Ms. ******* signing. We also confirm that the Agreement was conspicuous and clearly stated all of the terms and conditions within. It is the customer's responsibility to go over those terms and conditions and ensure they agree to them before signing and seek additional information if necessary. Additionally, Acima encourages customers who *** not wish to lease to consider other options. Pursuant to paragraph 5 of the Agreement, If you do not want to lease the Property but would rather purchase the Property now, you should consider cash or credit terms that *** be available to you.   
  
  **************** authorized regular rent renewal payments upon signing the Agreement, as such, Acima will continue to process rent renewal payments on their due dates, unless **************** revokes that authorization. **************** *** contact us directly at ************** or via our chat feature if she wishes to revoke authorizatio for automatic rent payments. 
  
  If **************** no longer wishes to obtain ownership of the Property, she *** terminate the Agreement by returning the Property to Acima. To execute this option, or to revoke her authorization for automatic renewal payment drafts, **************** *** contact our recovery department at **************.  

• Initial Complaint

  Date:06/14/2024

  Type:Service or Repair 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 have been trying to get in contact with this company over 6 months to talk with someone about my account but no response and they keep taking money out my account and no payment options and added outrages charge on amounts I was unaware of and no response from them at all over 6 months of calls and email, also they added on furniture initially that was never purchased or selected at time of purchase

  

  Business Response

  Date: 06/24/2024

  Acima (hereinafter we, us, our) received the complaint filed by ************************* through the Better Business Bureau on June 14, 2024. We investigated this complaint and are working to contact her directly to resolve this matter. We ask that **************** contact us at her earliest convenience at ************** for assistance. 

• Initial Complaint

  Date:06/11/2024

  Type:Service or Repair 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 purchased a product and had agreement for a settlement amount, the settlement was emailed, the business took double the amount then canceled the contract to reinforce the previous contract. They made several attempts to take multiple amounts and failed to uphold their end of the agreement. The agreement was ****** monthly beginning 5/27 then 6/27 then 7/29 They intentionally took the payment a day after the agreed upon date of 6/28 but in the amount of $272.22 in order to nullify the agreement. They insisted upon starting a new contract for more money and the ability to ach it from my account. The total balance was $403.32 divided into 3 monthly payments of $******, my bank went over the agreement and sent the agreed payment of ****** and credited my account back. ********************** then tried to take $334 and $125 from the account but was unsuccessful as my bank canceled the card because of fraudulent activity by acima. Ive provided the proof of the agreement to Acima and offered to give the receipt of the agreed payment they refused saying the agreement was voided because my card declined the additional payments they tried to take.

  

  Business Response

  Date: 06/13/2024

  Acima Leasing (hereinafter we, us, our, and Acima) received the complaint filed by ***************************** through the Better Business Bureau on June 6, 2024. Pursuant to Ms. ******* request, we have placed a do-not-contact order on her lease. **************** will receive no further communications from Acima, unless she specifically requests it. We would like to fix this issue with **************** and request that she contact us at her earliest convenience to discuss resolutions available to her. She may contact our recovery department by phone at **************. 

  Customer Answer

  Date: 06/13/2024

   
  Complaint: 21832830
  
  I am rejecting this response because: I upheld the terms of the agreement and Acima did not. They took more than the agreed amount a day later, when I disputed the amount they took, they canceled the agreement. My banking institution viewed the agreement and sent them the agreed amount and refunded me the difference, Acima then proceeded to initiate another ach payment of $125 June 3, 2024 in which it was declined. The three payments were May 27th, June 27th and July 29th. They sent an email after deducting double the amount, saying I authorized the overpayment in which I did not. I offered to send them the last two payments on the agreement dates via postal money order and they refused saying they must start a new agreement allowing them access to my banking account and or I give back the merchandise. They are not trustworthy and they had not documented the settlement agreement as representatives were still calling asking for balances exceeding $1000. I do have documents they exceed the limit and will not attach 
  
  Sincerely,
  
  *************************

  

  Business Response

  Date: 06/17/2024

  Acima Leasing (hereinafter us, we, our, Acima) received the complaint filed by ***************************** through the Better Business Bureau on June 11, 2024. We have reached out directly to **************** and resolved this issue. If **************** has additional questions, she may contact our customer service department at **************.      

• Initial Complaint

  Date:06/08/2024

  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.

  The interest rates was extremely high hired then a credit card

  

  Business Response

  Date: 06/13/2024

  Acima Leasing (hereinafter us, we, our, Acima) received the complaint by ******************************* through the Better Business Bureau on June 8, 2024. We investigated this complaint and prepared the following response.
  
  Pursuant to our records, on February 3, 2024, ******************** entered an independent third-party retailer Truck Zon (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 ******************** electronically entered into a rental-purchase agreement (the Agreement) wherein he agreed to rent the Property from Acima. Pursuant to the Agreement, to obtain ownership of the Property ******************** was required to make 52 weekly lease renewal payments of $64.01 before tax, plus an initial rent payment of $25.00 before tax for a total of $3,353.12 (the Total of Payments) before tax. Alternatively, he 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. ******************** had a 90-Day EPO purchase price of $1,627.05 before tax which expired on May 3, 2024. The second EPO stipulates a customer may obtain ownership at any point after the first 90 days by paying a lump sum payment equivalent to 65% of any remaining renewal payments plus any past-due rent. We confirm Acima did our due diligence to ensure ******************** had all information regarding the Agreement terms and conditions prior to signing. Further, ******************** did not exercise his 90-Day EPO on or before the deadline indicated, and as such this option expired and his lease continued for the agreed-upon terms.
  
  As of June 8, 2024, we confirm ******************** has initiated the purchased of the Property. As of todays writing, the leases status is Purchased Initiated. There is currently a payment for Mr. ********* lease processing for $69.29. Once, that is successful, there will be no further payment obligations to Acima. Additionally, we confirm that Mr. ********* lease is not reported to any major national credit bureau's.
  
  We hope this response assists Mr. ********* understanding of the reporting. As we have thoroughly responded to ********************, we consider this complaint closed. If he has any general questions regarding his account, he may contact our customer service department by phone at **************.

• Initial Complaint

  Date:06/05/2024

  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 bought a mattress that had me use Acima for the purchase. I was told payments would be taken out every other week on a Wednesday when I got paid. Payments are now trying to be removed from my account on Tuesday and then extra fees are being added by Wednesday. A $70 bill is now $100. I am frustrated and have even spoken to someone on the phone who confirmed when the bill and amount would be paid. This company is a scam!!!!

  

  Business Response

  Date: 06/12/2024

  Acima Leasing (hereinafter we, us, our, and Acima) received the complaint filed by ***************************** through the Better Business Bureau on June 5, 2024.  We reviewed Ms. ***** lease and confirmed the following.  
  
  We have charged Ms. ***** rent renewal payments as agreed upon. ************ indicated at the time of application that she received income bi-weekly on Wednesdays. As such, we initially set her rent renewal payments up to automatically process every-other Wednesday, starting on February 14, 2024, and that rent payment schedule is still in place. We confirm we have not attempted to draft her payments early. Pursuant to paragraph 12 of the rental-purchase agreement (the Agreement), You authorize us to initiate an electronic fund transfer (EFT) over the *** network (or another network of our choosing) from any bank account (or if no bank account is specified, then any account or card) listed on your application, or subsequently authorize us to debit or charge, for any renewal payment provided in this Agreement by its renewal date. If this EFT is returned unpaid, you authorize us to charge any card or bank account provided to us for such payment...You agree that we may resubmit any returned EFT or card charge as permitted. Several of the automatic rent renewal payments previously attempted have failed, with the message provided by the bank as to the reason of failure for the most recent failed payment as Insufficient Funds. We have resubmitted such rent payments consistent with the Agreement.  
  
  We reviewed the late and NSF fees accrued by ************, and confirm the fees are not, in fact, accrued as of the due date of the rent payment, but in accordance with the Agreement. Namely, late fees accrue in the amount of $3.00 for every failed payment not paid within 3 days of its due date, and NSF fees accrue once on each failed rent renewal payment, once we receive the notification from the bank that the payment will not clear successfully. We direct ************ to paragraph 4 of her Agreement titled Other Charges for additional information on potential fees associated with the Agreement.  
  
  We have attempted several times to contact ************ and offer assistance, but we were unable to establish contact.  If ************ has additional questions or needs to make payment changes, she may contact our recovery department at **************. We encourage ************ to contact us at her earliest convenience. ************ may elect to change her rent renewal payment due date to a later day, to ensure she has funds available for the due rent payment. Additionally, she may elect to revoke her automatic rent payment authorization, and make her rent renewal payments manually on or before the due date.  
  
  If ************ has any additional questions or would like to exercise the options outlined above, we encourage her to contact our recovery department by phone at the number indicated above, or via our chat feature located on www.acima.com.  
  

  Customer Answer

  Date: 06/12/2024

   
  Complaint: 21805814
  
  I am rejecting this response because: I have already talked to the company. And was told that they would not be taking money out on Tuesday. Also money is taken out of my card I have records but refuse to put bank info on this site. I receive calls daily along with emails and texts to the point that it affects my job and have told their customer service to stop harassing me.
  
  Sincerely,

  *************************

  

  Business Response

  Date: 06/14/2024

  Acima Leasing (hereinafter we, us, our, and Acima) received the rejection filed by ***************************** through the Better Business Bureau on June 13, 2024. We investigated her complaint and provided the following response.    
  
  Pursuant to Ms. ***** request, we have placed a do-not-contact order on her lease. ************ will receive no further communications from Acima, unless she specifically requests it.  
  
  Upon receipt of this complaint, we reviewed all payments on the account. While we confirm the failed payments are retried consistent with the Agreement, If this EFT is returned unpaid, you authorize us to charge any card or bank account provided to us for such payment...You agree that we may resubmit any returned EFT or card charge as permitted the payment that are resubmitted can be submitted at any time and does not need to conform to the rental renewal payment schedule. We have resubmitted such rent payments consistent with the Agreement. We confirm we have not attempted to draft her payments early. However, as a courtesy to ************ we have credited her account $50.00 of insufficient funds fee, and $6 in accrued late fees.  
  
  If ************ has further questions or would like assistance with her rental-renewal schedule, she may contact our customer service department at **************. 

• Initial Complaint

  Date:05/31/2024

  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 spoke to a man over the phone on a recorded line about a settlement for a collection of mine and before I agreed to make any payment he assured me that it would be deleted from my credit report and I would get a letter from ACIMA stating that it needs to be deleted since I paid. I never received that letter and have called multiple times and I keep getting told that the man accidentally told me the wrong information, that they will not send me a pay for delete letter and it will stay as settled on my credit report. I have told them multiple times that it is not my fault he told me the wrong thing and I should get the letter since thats what I was promised but they keep saying they will not do that. They said they have the call recorded saved and that he did tell me that but that that wont change anything.

  

  Business Response

  Date: 06/03/2024

  Acima Leasing (hereinafter we, us, our, and Acima) received the complaint filed by Ms. ************************************ through the Better Business Bureau on May 31, 2022. We investigated this complaint and provided the following response. 
  
  Pursuant to our records, on August 21, 2021, ******************** entered an independent third-party retailer ************** & Auto Repair (the Retailer) located in ********, *****. While with the Retailer, she applied and was approved for our leasing services. On that same date, ******************** selected leasable merchandise (the Property). Acima purchased the Property, and ******************** electronically entered into a rental-purchase agreement (the Agreement) wherein she agreed to rent the Property from Acima. Alternatively, she could execute any other early purchase or termination option outlined within the Agreement. While settlements are not an option defined in the Agreement, we may offer settlements to assist customer in obtaining ownership of the property, for less than the total of required renewal payments. On February 26, 2024, ******************** elected to utilize a settlement offer and obtained ownership of the Property. 
   
  ********************** primary complaint relates to a call that took place on February 26, 2024, wherein she claims that she was advised that [our reporting] would be deleted from [her] credit report and [she] would get a letter from ACIMA stating that it needs to be deleted." This is incorrect. We have reviewed our records, and the recording of the call and confirmed that ******************** was not advised that our credit reporting would be deleted, rather it would be updated. Additionally, the letter ******************** referred to is a certified letter that displays the current lease status for use relating to loans or mortgages. We confirm that while the letter wasnt requested with the initial settlement call on February 26, 2024, however we confirm that it has since been sent to ******************** on March 23, 2024, and April 4, 2024. 
  
  ********************** desired resolution is for the removal of reporting. We will not ***** this request. We are unable to update reporting to reflect anything other than accurate lease history, as such we confirm we acted according to the Fair Credit Reporting Act (FCRA) in denying her request. We confirm our reporting is authorized under the Agreement and that the information Acima has reported falls under the scope of allowed reporting under the FCRA.   
  
  As we confirm that we did not provide ******************** false information and confirm that our reporting is authorized under the signed Agreement, we consider this complaint closed. If ******************** has any additional questions regarding this response, she may contact our customer service department **************.  

  Customer Answer

  Date: 06/04/2024

   
  Complaint: 21787603
  
  I am rejecting this response because:

  what they said is incorrect. If they can provide you with the call then you will be able to see that the original person I spoke to did in fact inform me that it would be deleted from my credit report and I would receive a letter stating it would be deleted
  
  Sincerely,
  
  ***************************************

  

  Business Response

  Date: 06/05/2024

  Acima Leasing (hereinafter we, us, our, and Acima) received the rejection filed by ******************************************* through the Better Business Bureau on June 4, 2024. 
  
  Please note, Acima does not participate in pay for delete arrangements, nor have we historically. As stated in our previous response, we reviewed the call in its entirety and confirmed that ******************** was not advised of such. We confirm ******************** requested something I guess in writing, and we confirmed that we would be able to provide an emailed receipt for the payment. Again, we confirm that we are unable to update reporting to reflect anything other than accurate lease history, as such we confirm we acted according to the Fair Credit Reporting Act (FCRA) in denying her request.  
  
  If ******************** has any additional questions regarding this response, she may contact our customer service department **************.    

  Customer Answer

  Date: 06/05/2024

   
  Complaint: 21787603
  
  I am rejecting this response because:

  the agent I spoke to clearly said it would be deleted, it is in the call. It is not my fault he was not properly trained and I should get what I was promised. The calls after that is when everyone started telling me that yall do not delete anything but he never told me that no where in the call do you hear him explain that to me. He told me it would be deleted and I would get something in writing which is the whole reason I went ahead and paid right away. 
  
  Sincerely,
  
  ***************************************

  

  Business Response

  Date: 06/07/2024

  Acima Leasing (hereinafter we, us, our, and Acima) received the rejection filed by ******************************************* through the Better Business Bureau on June 6, 2024.  We confirm that we have conducted the requested investigation into the call that took place on February 26, 2024, and confirm ******************** was not provided with the alleged information. As we have provided a thorough response and confirm no new information or allegations have been given, we consider this complaint closed. For questions, ******************** may call our customer service department at **************. 

• Initial Complaint

  Date:05/31/2024

  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.

  Ok I have finance $341 and according to them I sign a lease for one year at 18% which makes me, have to paid them $1060 , before I can get out of that lease. So call them and they told in order for me to get out I have paid them $340 or do a payment plan .so I was wondering what to do about it

  

  Business Response

  Date: 06/05/2024

  Acima Leasing (hereinafter us, we, our, Acima) received the complaint by *********************** through the Better Business Bureau on May 31, 2024. We investigated his complaint and prepared the following response.
  
  Mr. ******** claims [He has] finance[d] $341 and according to [Acima, he] sign[ed] a lease for one year at 18% which makes [him], have to paid [Acima] $1060, before [he] can get out of that lease. Acima transactions are not financing, loans, or same as cash arrangements. Acima is a virtual rent-to-own organization offering an alternative option of financing. Pursuant to our records, on April 26, 2023, Mr. ******** entered an independent third-party retailer ******** Optical (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. Pursuant to the Agreement, to obtain ownership of the Property Mr. ******** was required to make 26 biweekly lease renewal payments of $39.10 before tax, plus an initial rent payment of $50.00 before tax for a total of $1,066.50 (the Total of Payments) before tax. Alternatively, he could execute any other early purchase or termination option outlined within the Agreement. A copy of the Agreement is available on our customer portal at ******************************************.
  
  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 earlier than the total scheduled rental renewal periods contained within. 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. Mr. ******** had a 90-Day EPO purchase price of $499.00 before tax, which expired on July 26, 2023. The second EPO stipulates a customer *** obtain ownership at any point after the first 90 days by paying a lump sum payment equivalent to 65% of any remaining renewal payments plus any past-due rent. As of todays writing, Mr. ********s lease is 117 days delinquent, with a past-due balance of $341.41 before tax, that includes rent past-due, and accrued fees. 
  
  Mr. ******** alleges [He] feel that[sic], that's wrong to be charging that much interest rate for $341. Please note, Acima leases do not accrue interest. The rental payment amounts, and total of payments are set at the initiation of the Agreement and do not change. We deny the allegation, and note that as stated in paragraph 6 of his signed Agreement You do not obtain ownership rights until you have complied with the ownership terms of the Agreement. ...If you do not want to lease the Property but would rather purchase the Property now, you should consider cash or credit terms that *** be available to you.
  
  We confirm that Mr. ******** has not purchased the property and does, in fact, owe the past-due amount on the lease, and we confirm it is authorized under the Agreement he choose to enter into. We hope this explanation clarifies the purchase terms of Mr. ******** Agreement and his obligations thereunder. If Mr. ******** has any questions or wishes to explore purchase, settlement, or termination options that are available to him, we encourage him to contact our recovery department at **************.