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:05/28/2024

  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'm not aware of this account. I have asked plenty of times for a copy of the file so I can take a proper look at the account to see when it was opened and no one has gotten back with me or sent me anything. I have told them more then once that this account was opened fraudulently. I made police reports and it still on my account. This needs to be removed immediately.

  

  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 27, 2024. We investigated this complaint and provided the following response.   
  
  Pursuant to our records, on December 4, 2021, Ms. ********** entered an independent third-party retailer – Furniture Express (the “Retailer”) – located in Shreveport, Louisiana. While with the Retailer, she applied and was approved for our leasing services. On that same date, Ms. ********** selected bunkbeds (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 Property Ms. ********** was required to make 24 bi-weekly renewal payments of $85.25 before tax, plus an initial rent payment of $50.00 before tax, for a total of $2,095.83 (the “Total of Payments”) before tax. Alternatively, she could execute any other early purchase or termination option outlined within the Agreement.   
  
  Ms. ********** alleges, “I have asked plenty of times for a copy of the file... no one has gotten back with me or sent me anything.” We reviewed our records and confirmed Ms. ********** has not previously requested a copy of the Agreement. We confirm Ms. ********** was provided a full copy of the Agreement at the time she entered into the lease. Ms. ********** may also view a copy of their Agreement at any time by logging into the Acima customer portal located at ***************************. This option has been perpetually available to Ms. **********. 
  
  Ms. ********** claims she is “not aware of this account” and that “this account was opened fraudulently.” If Ms. ********** believes her identity was used to create this lease fraudulently, we request she provide us with the aforementioned police report and provide us with a complete copy of the same at [email protected]. Upon receipt of the requested documentation, we will further investigate her allegation. If it is determined that this lease is fraudulent, we will terminate this lease and remove all reporting of it from the credit bureau. Absent proof of fraudulent activity, we will not terminate the lease nor remove reporting.   
  
  As we are awaiting additional documentation, we consider this complaint closed. If Ms. ********** has any additional questions regarding this response, she may contact our recovery department at ###-###-####. If she obtains the requested supporting documentation, she may provide this information to our fraud department at ***************.   

• Initial Complaint

  Date:05/25/2024

  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.

  DEAR ACIMA; Cease all methods of communications and collections on this account. I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. You violated my rights rights under 15 USC codes sections 1692 d, e f g of FCRA/*****. Remove from my credit report. You violated 1692d of the ***** by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action;You violated 1692e of the ***** by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of 1692e;You violated 1692e(2)(A) of the ***** with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client;You violated 1692e(5) of the ***** by its threat to take any action that cannot legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client;You violated 1692g(b) of the ***** by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumers right to dispute the debt with the language it used in the Collection Letter; andYou violated 1692f of the ***** by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein. I demand an immediate deletion of this account from all ********************** reporting agency.

  

  Business Response

  Date: 05/28/2024

  Acima Leasing (hereinafter we, us, our, and Acima) received the complaint filed by ***************************** through the Better Business Bureau on May 25, 2024. We investigated her complaint and provided the following response. 
  
  Pursuant to our records, on February 12, 2022, **************** entered an independent third-party retailer Apolos Furniture (the Retailer) located in ********, *************. On that same date, **************** selected leasable merchandise (the Property). Acima purchased the Property, and **************** electronically entered into a lease-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.  
  
  Pursuant to Ms. ******* request, we have placed a do-not-contact order on her lease. **************** will receive no further communications from Acima.    
  
  **************** alleges that [Acima has] engag[ed] in conduct that the natural consequences of which was to harass, oppress, and abuse. We have thoroughly reviewed our communication with **************** and dispute this claim in its entirety. We note that **************** does not provide any proof to substantiate her allegation. Additionally, while we may send emails, Acima does not mail collection letters, nor do we make threats of legal action. 
  
  **************** alleges, [She does] not recognized this account, no knowledge. We reviewed our records and confirmed that this is the first communication of such allegations. **************** has not previously contacted us. If **************** believes her identity was used to create this lease fraudulently, we request she file a police report and provide us with a complete copy of the same at ******************************* Upon receipt of the requested documentation, we will further investigate her allegation. If it is determined that this lease is fraudulent, we will terminate this lease and remove all reporting of it from the credit bureau. Absent proof of fraudulent activity, we will not terminate the lease nor remove reporting. We have paused reporting for 30 days while we await documentation. 
  
  Ms. ******* desired resolution is for the removal of reporting. We will not ***** this 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 are awaiting additional documentation, we consider this complaint closed. If **************** has any additional questions regarding this response, she may contact our recovery department at **************. If she obtains the requested supporting documentation, she may provide this information to our fraud department at ******************************* 
  
  

• Initial Complaint

  Date:05/24/2024

  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.

  Im currently experiencing financial hardship. I have done business with this company several times. I called and was offered a settlement of $700. Today I called and was advised the settlement offer expired. I was never told that the settlement offer would expired I was just advised to call back when ready to proceed with the settlement offer. I called today and was told that the settlement offer is 1600 and change. I lost the merchandise and still continued to pay, but experienced a hardship and just trying to settle the debt. I have basically paid the *** of the merchandise except for roughly $500. Its just the high interest remaining

  

  Business Response

  Date: 05/29/2024

  Acima Leasing (hereinafter us, we, our, Acima) received the complaint filed by Ms. ******* through the Better Business Bureau on May 24, 2024. We investigated her complaint and as a courtesy to her, we will honor the original settlement offer of $781.80 before tax. Ms. ******* may contact our recovery department at ************** to discuss the conditions of this offer and set up the settlement, if she desires. 

• Initial Complaint

  Date:05/23/2024

  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.

  Furniture was purchased through wayfair in January 2024, using acima. The total cost was $3800. I paid $3200 by end of February and owed $610 left. I went to pay it off on 5/22/24 and it’s saying I owe $2580. I paid the $610 off so then I shouldn’t owe anything else. I called acima and they stated I didn’t pay during the probation period. I never heard anything about a probation period or got a warning it was ending or I would have payed off the $610 earlier. It says I owe 15 more payments totaling $4011. It stated back in April my next payment of $193 is due June 20. Hence why I wanted to pay the difference off now. Now I paid the $610 and it says next payment is due July and owe $230. I refuse to pay anymore money! How they come up with $2580 if ridiculous when I only had $610 to pay! I paid them and that’s just that!

  

  Business Response

  Date: 05/31/2024

  Acima Leasing (hereinafter “we,” “us,” “our,” “Acima”) received the complaint filed by Ms. ***** ****** through the Better Business Bureau (“BBB”) on May 23, 2024. We reviewed her complaint and prepared the following response.  
  
  On January 10, 2024, Ms. ****** electronically applied for Acima’s services through an independent third-party retailer – Wayfair (the “Retailer”). Ms. ****** electronically entered into a rental-purchase agreement (the “Agreement”) wherein she agreed to rent leasable property (the “Property”) from Acima. Pursuant to the Agreement, to obtain ownership of the Property Ms. ****** was required to make 26 bi-weekly lease renewal payments of $289.15 before tax, plus an initial rent payment of $45.00 before tax for a total of $7,517.73 (the “Total Cost”) before tax. Ms. ****** signed the Agreement for these amounts. Wayfair later provided information indicating an adjustment was necessary, and Ms. ******’s Total Cost was decreased to $7,344.35 before tax, and her regular rent renewal payments were decreased to $280.75 before tax. Alternatively, she could execute any other early purchase or termination option outlined within the Agreement. Pertinent to this response, Ms. ****** had a 90 day early-purchase option (“EPO”) available to her through April 11, 2024, in the amount of $3,550.88.  
  
  Ms. ****** alleges she paid $3,200.00 by the end of February. Pursuant to our records, as of the last day of February 2024, Ms. ****** had paid $2,840.00 before tax. We encourage Ms. ****** to review the terms and conditions of the Agreement and her payments made by logging into the Acima customer portal, located at cutomer.acima.com.  
  
  We note that a breakdown of the purchase options and amounts were provided to Ms. ****** at the time of lease signing, as was a full copy of the Agreement. We additionally note that Ms. ****** was provided a welcome email on January 13, 2024, to the email address on file, which we note was opened by the recipient and had the provided link clicked. The welcome email encouraged her to review her lease in the Acima customer portal and the 90 day EPO expiration date. The email additionally contained pertinent information regarding her lease. It was Ms. ******’s responsibility to review the terms and conditions of the Agreement presented to her. Moreover, as Ms. ****** made several payments from the Acima customer portal, where the purchase options and due dates are highly visible, we can infer the information was available to Ms. ******.  
  
  Ms. ******’s desired resolution is to purchase her lease for the 90 day EPO amount. Acima is not obligated to grant an extension of the purchase options available to customers under the Agreement. However, as we note that Ms. ****** was making advanced payments greater than her rent renewal payments due, we provide the following resolution. We will extend the 90 day EPO through June 15, 2024, to Ms. ******. She must contact our customer service department by phone at ###-###-#### to utilize this option. As of today’s writing, Ms. ****** has a remaining amount of $417.63 before tax to meet her 90 day EPO. Once Ms. ****** has made this payment, we will close her lease as purchased. Should Ms. ****** elect not to utilize this extension, the regular terms and conditions of the Agreement will apply. 
  
  Additionally, Ms. ****** listed her desired resolution as “no further contact by the business.” Upon receipt of her complaint, we placed a do-not-contact order on her lease. Ms. ****** will not receive any additional communication from Acima.  
   
  As we have granted Ms. ******’s desired resolution, we consider this complaint closed. She may contact our customer service department at the number indicated above with any questions or to utilize this extension.  

• Initial Complaint

  Date:05/22/2024

  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.

  I made a purchase at a local Boost mobile store on December 18, 2023, for my daughter for Christmas. The amount of the purchase during the transaction was $850. A deposit was made during the transaction and I was informed that there would be monthly payments made from my checking account every two weeks to cover the cost of the purchase with March 18, 2024, being the final payment for the purchase. On January 5, 2024, the date of the first payment was due, I noticed that my initial purchase amount had changed from $850 to a total of $1450. When I spoke to an Acima representative, I was informed that the total amount of my purchase will be completed by the March due date. Before March, there were more fees added to my balance even though the payments were made automatically. I called Acima again and they told me that I was supposed to double up on my payments to cover the balance. Now, they have added more fees to my balance and the total amount is not due until December 2024. Acima representatives are harassing me through calls, text messages, emails, and have even sent someone to my home to collect the debt. This is so unfair and I feel that this is very fraudulent due to the nature of the purchase. The purchase was an iPhone 14 that does not cost the amount that I am being charged and I am not pleased with the way they are handling this issue.

  

  Business Response

  Date: 05/31/2024

  Acima Leasing (hereinafter “we,” “us,” “our,” “Acima”) received the complaint filed by Ms. ******** ****** on May 22, 2024. We are currently still in the process of investigating this complaint, and consider it open. We will reach out to Ms. ****** directly by email once we have completed our investigation.

• Initial Complaint

  Date:05/20/2024

  Type:Sales and Advertising 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 signed up with Acima, advised by the merchant that I would be able pay off my lease within the first 6 months to avoid paying double the amount leased. I had to get repairs completed on my car that day and had no other options. There was no documentation provided to me advising that I only had 90 days to pay off the lease early. So far I have paid a little over $400 on a $397 repair and I am estimated to pay an additional $540 over the course of the next year or $300 to pay it off early. *** made on time payments and paid more than my payments as I was advised I could pay it off within 6 months, including accrued interest. This company is robbing customers with their terms that are not detailed when signing up. Theres no correspondence sent out or anything to advise you have 90 days to pay the lease off early before being roped in to a ***** month lease. I would like to resolve this by closing my account entirely and ending this lease, with no further payment or penalties imposed. The company representative and the merchant, ********, did not adequately explain the leases terms.

  

  Business Response

  Date: 05/28/2024

  Acima Leasing (hereinafter us, we, our, Acima) received the complaint by ***************************** through the Better Business Bureau on May 20, 2024. We investigated her complaint and prepared the following response.
  
  Pursuant to our records, on January 24, 2024, **************** 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 property (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. Pursuant to the Agreement, to obtain ownership of the Property, **************** was required to make 24 twice-monthly lease renewal payments of $35.39 before tax, plus an initial rent payment of $50.00 before tax, for a total of $899.32 (the Total of Payments) before tax. Alternatively, she could execute any other early purchase or termination option outlined within the Agreement under Paragraph 3 titled Purchase Terms."
  
  **************** alleges she was advised Acima had a 6-month purchase option. This is not correct. 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 90-day EPO purchase price. **************** had a 90-day EPO purchase price of $422.93 before tax which expired on April 23, 2024. Additionally, we confirm **************** did not meet that total as of the deadline, so her lease is continuing for the agreed-upon terms. 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.
  
  **************** claims, [She's] made on time payments and paid more than [her] payments as [she] was advised [she] could pay it off within 6 months, including accrued interest. 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.
  
  **************** claims, Theres no correspondence sent out or anything to advise [she had] 90 days to pay the lease off early ... Acima denies this allegation. **************** was informed via email of when her 90-day EPO expiration date, which we show that she did open the email sent, as well as viewed the amount needed to purchase the Property. Additionally, **************** was also provided a link to Acimas customer portal, located at *****************************************, where she could log in to view a copy of the Agreement at any time, her purchase options, view the status of her lease, and make payments.
  
  ******************** desired resolution was to "resolve this by closing [her] account entirely. As a courtesy to ****************, we will allow her to utilize her 90-day EPO with an extension fee by calling in to make a final payment for the remaining amount. This courtesy will be available until June 6, 2024, after that date this courtesy will expire, and the regular terms and conditions of the lease will apply.
  
  For further questions regarding Ms. ******* lease with Acima, or to utilize the courtesy we provided her, please contact our customer service department by phone at **************.

  Customer Answer

  Date: 05/28/2024

   
  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:05/20/2024

  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.

  I am not legible for this debt with ACIMA DIGITAL FKA SIMPLE. I do not I am not legible for this debt with ACIMA DIGITAL FKA SIMPLE. I do not ACIMA DIGITAL FKA SIMPLE they did not provide me with the original contract as I requested

  

  Business Response

  Date: 05/23/2024

  Acima Leasing (hereinafter us, we, our, Acima) received the complaint by ******************************* through the Better Business Bureau on May 20, 2024. We investigated this complaint and prepared the following response.
  
  ************** alleges [he does] not have a contract with Acima. Pursuant to our records, on August 30, 2018, ************** electronically entered into a lease-purchase agreement (the First Agreement) wherein he agreed to rent leasable property (the First Property) from Acima. To obtain ownership of the property ************** was required to make 52 weekly rent renewal payments of $20.42 before tax, plus an initial rent payment of $40.00 before tax, for a total of $1,101.60 (the First Total of Payments) before tax. This Agreement was purchased on November 30, 2018.
  
  On December 17, 2018, ************** electronically entered into a lease-purchase agreement (the Second Agreement) wherein he agreed to rent leasable property (the Second Property) from Acima. To obtain ownership of the property ************** was required to make 52 weekly rent renewal payments of $23.47 before tax, plus an initial rent payment of $40.00 before tax, for a total of $1,260.00 (the Second Total of Payments) before tax. This Agreement was purchased on December 27, 2019.
  
  On March 11, 2020, ************** electronically entered into a lease-purchase agreement (the Third Agreement) wherein he agreed to rent leasable property (the Third Property) from Acima. To obtain ownership of the property ************** was required to make 52 weekly rent renewal payments of $80.86 before tax, plus an initial rent payment of $40.00 before tax, for a total of $4,244.40 (the Third Total of Payments) before tax. This Agreement was purchased on June 25, 2020.
  
  On August 26, 2020, ************** electronically entered into a rental-purchase agreement (the Fourth Agreement) wherein he agreed to rent the property described as **sectional grey zenith gene **nite stand ****** cst (the Fourth Property) from Acima. To obtain ownership of the property ************** was required to make 52 weekly rent renewal payments of $76.94 before tax, plus an initial rent payment of $1.00 before tax, for a total of $4,040.55 (the Second Total of Payments) before tax. We confirm ************** fourth lease was charged-off on March 21, 2021, due to non-payment. As of todays writing, his lease is ***** days delinquent, with a past-due balance of $4,104.55 before tax, that includes rent past-due and accrued fees.
  
  ************** claims [He is] not legible for this debt with ACIMA DIGITAL FKA SIMPLE. He does not provide further explanation as to why he believes he is not liable for his lease. We have reason to believe that these leases belong to **************. Nonetheless, if ************** is alleging identity theft, we request that he provide us with any documentation substantiating his allegation, including a full police report, at ******************************* Upon receipt of the requested documentation, we will further investigate his allegation. If it is determined that in fact it is a fraudulent account, we will terminate this account and remove all reporting of it from the credit bureau. Absent proof of fraudulent activity, we will not terminate the account or remove our reporting. Please note, Experian is the only national credit bureau to which Acima reports.
  
  ************** claims [Acima] did not provide [him] with the original contract as [he] requested. We reviewed his contact with Acima and we do not have a record of him requesting the original Agreements. Furthermore, the Agreements are accessible by logging into our customer portal at *****************************************. This option has been consistently available to **************.
  
  As we are awaiting additional documentation, we consider this complaint closed. If ************** has any questions or concerns in regard to his Agreements or would like to explore any purchase, termination, or settlement options that *** be available to him, he *** contact our recovery department by phone at **************.

• Initial Complaint

  Date:05/18/2024

  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 furniture from the Bobs and used ACIMA I was not aware that they charge interest on payments and if you tried to do the Early Buy Out, theres a $165 fee. I would never use this company AGAIN. How is it interest free for the first 120 days but they charge you taxes for every payment. Every time I make a paymet its like my balance is barely going down.

  

  Business Response

  Date: 05/23/2024

  Acima Leasing (hereinafter us, we, our, Acima) received the complaint filed by ******************************* through the Better Business Bureau on May 18, 2024. We investigated her complaint and prepared the following response.
  
  On March 16, 2024, **************** entered an independent third-party retailer ************************ (the Retailer) located in *****, ********. While with the Retailer, **************** electronically entered into a rental-purchase agreement (the Agreement) wherein she agreed to rent leasable property from Acima. Pursuant to the Agreement, to obtain ownership of the Property **************** was required to make 52 biweekly lease renewal payments of $69.45 before tax, plus an initial rent payment of $69.45 before tax for a total of $3,710.17 (the Total of Payments) before tax. Alternatively, she could execute any other early purchase or termination option outlined within the Agreement.
  
  **************** alleges, [she] was not aware that [Acima] charge[s] interest on payments. Please note, Acima leases do not accrue interest. Acima vehemently denies this allegation. Acima does not charge interest, Acima is a lease-to-own company, and the Total of Payments is determined upon initiation of the Agreement. The Total of Payments does not change or increase. Furthermore, we confirm that Acima fully disclosed the terms of the Agreement, and **************** was given the opportunity to review all terms, and amounts, prior to signing 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 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 90-day EPO purchase price. **************** has a 90-day EPO purchase price of $1,592.35 before tax, which expires on August 5, 2024.
  
  Additionally, **************** asks How is [the lease] interest-free for the first 120 days but [Acima] charge[s] you taxes for every payment. Please note, that the first EPO is for a 90-day period and not 120 days. Furthermore, as stated in paragraph 2 of the signed Agreement titled, Payments, Acima charges and collects tax with each Renewal Payment when required to do so by your state. As required by the state of ********, Acima charges and collects sales tax with each rent renewal payment. We reviewed Ms. ******* lease and confirmed that Acima is appropriately charging state tax, as required by law.
  
  As we have thoroughly responded to ****************, we consider this complaint closed. If **************** has any questions or concerns in regard to her Agreement or would like to explore any purchase, settlement, or termination options that *** be available to her, she *** contact our customer service department by phone at **************. 

  Customer Answer

  Date: 05/24/2024

   
  Complaint: 21731259
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***************************

  Customer Answer

  Date: 05/24/2024

  Why is there an early buy out fee $165?

  

  Business Response

  Date: 05/29/2024

  As mentioned in our previous response, as a courtesy, Acima offers two early purchase options; 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 Early Purchase Option allows the customer to acquire their property by paying the disclosed First Early Purchase Option total. As stated under paragraph 3 of Ms. ******* Agreement You can purchase the Property and terminate this Agreement within the first 120 days of the Agreement by paying us $1,592.35, plus tax, and Other Charges due.. minus any payments you have made. The First Early Purchase Option Amount includes an amount over the Acima Cash price, which is a percentage amount of the retailer invoice amount. We have reviewed and confirmed the calculated amount of $165.00 is correct and confirm that the First Early Purchase Amount total was disclosed in the Agreement prior to signing, as well as a disclosure, on the first page of the Agreement, which states The Agreement includes a 120-day Early Purchase Option. This Early Purchase Option may be an amount greater than the retailers sale price and not same as cash.

• Initial Complaint

  Date:05/14/2024

  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 NOT LIABLE FOR THIS DEBT WITH ACIMA DIGITAL NOR DO I HAVE A CONTRACT WITH THIS CREDITOR. I ASKED THEM ON MULTIPLE OCCASIONS TO PROVIDE ME THE ORIGINAL CONTRACT AND NEVER RECEIVED IT. THEY HAVE STOPPED REPORTING TO ******* AND TRANSUNION BUT ARE STILL REPORTING TO EXPERIAN.

  

  Business Response

  Date: 05/15/2024

  Acima Leasing (hereinafter us, we, our and Acima) received the complaint filed by ***************************** Zamora1 [sic] through the Better Business Bureau (BBB) on May 14, 2024. Please note that her name appears as ************************* in our system. We investigated ****************** complaint and prepared the following response.
  
  **************** alleges [she is] NOT LIABLE FOR THIS DEBT WITH ACIMA DIGITAL NOR DO[es she] HAVE A CONTRACT WITH [Acima]. She does not provide further explanation as to why she believes she is not liable for the associated lease. We have reason to believe that the lease associated with ****************** identifying information belongs to ****************. Nonetheless, if **************** is alleging identity theft, we request that she provide us with any documentation substantiating her allegation, including a full police report, at ******************************* Upon receipt of the requested documentation, we will further investigate her allegation. If it is determined that in fact it is a fraudulent account, we will terminate this account and remove all reporting of it from the credit bureau. Absent proof of fraudulent activity, we will not terminate the lease or remove our reporting. We paused our reporting of the leases for 30 days while we await the requested information.  
  
  **************** claims [Acima] HA[S] STOPPED REPORTING TO EQUIFAX AND TRANSUNION BUT ARE STILL REPORTING TO EXPERIAN. Experian is the only national credit bureau to which Acima reports. Acima has not historically reported to Transunion, nor Equifax.  
  
  As we are awaiting additional documentation, we consider this complaint closed. If **************** has any questions or concerns in regard to her Agreement, she may contact our recovery department by phone at **************. If she retains the requested documentation, she may contact our fraud department at ******************************* 

• Initial Complaint

  Date:05/11/2024

  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 dress that was delivered to my home from Price Busters on *************** in ************. Acima was the leasing company I used. The first payment was scheduled to come out of my account on May ********. The payment was successful. However I was looking to use them to get a new sofa set so I decided to pay the dresser off the day before my payment was set to come out. I thought that I had to pay ****** however I noticed they took the ***** fee that was scheduled to automatically come out and the pay off amount was now ******. I spoke to someone and I was told that this amount was interest. I let it go and paid. However I found out Saturday they reversed the payment. They reversed it and lied and said I authorized the payment to come out of a closed account which isn't true because when I went into my banking app I saw where the payment had come out on Wednesday May 8th the day I made the buy out payment. So now its 2 days later the interest ballooned to ****** how is this possible when its not that I didn't want to pay but they reversed the payment on purpose so they rip me off and charge me this super high interest when truthfully at the store I was told I only had to pay ****** including interest.

  

  Business Response

  Date: 05/20/2024

  Acima Leasing (hereinafter we, us, our, Acima) received the complaint filed by Ms. *********************** on May 11, 2024. We reviewed her complaint and prepared the following response.  
  **************** alleges she was informed she would pay $509.00 to purchase the lease. This is not accurate. Pursuant to paragraph 3 of the rental-purchase agreement (Agreement) titled Purchase Terms, **************** had an early purchase option available to her within the first 90 days of entering into the Agreement which would allow her to obtain ownership of the property, that is the subject matter of the Agreement, by paying $583.00 plus tax. We confirm a breakdown of the payments, including the total amount for the 90 day early purchase option, was disclosed to **************** by Acima prior to her entering into the Agreement. Additionally, we confirm **************** executed a purchase option on May 11, 2024, by paying a total of $583.00 ($617.98 including tax). **************** has no further payment obligations to Acima. We encourage **************** to log into her customer account at ****************************************** to review a copy of the Agreement, the current status of her lease, as well as a list of all payments made.  
  **************** alleges Acima reversed a payment, and that it increased her interest. Please note, Acima leases do not accrue interest. The purchase amounts and rent are set at the initiation of the Agreement, and do not change. Additionally, Acima did not reverse any payments on Ms. ******* lease. To assist her understanding, we confirm **************** initiated a purchase payment on May 8, 2024, of $545.04 including tax. Please note, on that date she additionally had a rent payment processing of $63.96 including tax. These two payments, combined with her initial rent payment of $21.20 including tax, would have been sufficient to purchase her lease. However, these payments both failed, with the reason as provided by the bank of bad account info/not currently an existing account. Please note, **************** accrued an NSF fee of $25.00, due to the failed rental payment. **************** subsequently made payments sufficient to purchase the Agreement on May 11, 2024. **************** was not subjected to increased lease costs, and paid the correct amount listed in the Agreement to exercise the first 90 day purchase option.  
  As we have addressed Ms. ******* allegations and **************** has obtained ownership of the property, we consider this complaint closed. **************** may contact our customer service department by phone at ************** with further questions.