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:04/18/2024

  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 was approved for a lease still have available credit and wanted to use it but they couldn't verify me they requested a pay stub my company doesn't provide a pay stub only direct deposit,, I submitted my last 2 bank statements proving my direct deposit pay and they wouldn't accept it..even thought that was used on the original lease...every time all i do is get transferred...

  

  Business Response

  Date: 04/22/2024

  Acima Leasing (hereinafter “us,” “we,” “our,” “Acima”) received the complaint by Ms. ******* ***** through the Better Business Bureau on April 18, 2024, regarding her lease application. We investigated this complaint and prepared the following response.

  In regard to Ms. *****’s most recent application with Best Buy (the “Retailer”), our system conditioned additional documentation required to issue a final approval. Acima confirms that Ms. ***** has spoken with a department supervisor on multiple occasions, and as such she has been advised of the documentation required to proceed. Please note, every application with Acima is subject to review and Acima is not obligated to issue approvals to every applicant for our services.

  If Ms. ***** would like assistance utilizing our services or obtains the requested documentation, we invite her to contact our processing department at ###-###-####. 

  Customer Answer

  Date: 04/22/2024

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

  Customer Answer

  Date: 04/23/2024

  They were requiring paystub‘s. My company does not offer paystub‘s. We have direct deposit. I’ve submitted a copy of my bank statement, showing my deposit, and that would not be acceptable, but they approve me the first time without paystub, The second time they would not accept them copies of my bank statement, the first time. 

  

  Business Response

  Date: 04/26/2024

  Upon the initial complaint submitted by Ms. *****, Acima has reviewed the application notes and confirmed that she is aware of the requirements to finalize the approval. Unfortunately, if Ms. ***** does not provide the documents, the conditional approval will not be finalized.

  Please note, every Acima application is subject to review and approvals are not guaranteed. Ms. ***** may re-apply for our services after 30 days if she wishes to do so.

  As we have addressed all of Ms. *****’s concerns, we consider this complaint closed. If she has any general questions in regard to her lease or obtains the required documents, she may contact our processing department at ###-###-#### or email [email protected]. 

  Customer Answer

  Date: 04/26/2024

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  Again, I got approved the first time without paystub‘s. I cannot help that my company does not provide paystub‘s. Only the direct deposits I have reached out to my HR department and was told there is no paystub‘s available to release to me. All they can do is provide all the direct deposits, which with the company is unacceptable but again, I was approved the very first time without pay stubs
  
  Sincerely,
  
  
  
  ******* *****

• Initial Complaint

  Date:04/17/2024

  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.

  Entered by BBB staff LO Consumer filled out an application online. The stove was used and it was priced at $425.00. Somehow the price went up to $464.00. Her understanding was that she could pay off the purchase in 90 days. She owed $105 but was told she owed $159 because of an upcharge on the stove. They told her to pay it off it will cost an extra 20 for paying it off in&#***;under 90 days. The consumer states the customer service representatives were very rude and kept transferring her call. She asked for a supervisor but they would not let her speak to one. They told her they would have someone call her but it has been a month and she has not heard back.

  

  Business Response

  Date: 04/22/2024

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

  Customer Answer

  Date: 04/25/2024

   
  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.

  I would like to thank the BBB for getting involved and help to get this matter resolved but in the future I will read anything that I have to sign and not get allow no company to take advantage with hidden prices. I am satisfied with your help the account is paid in full and to anyone and everyone read and investigate,check with the BBB reviews for accepting and signing anything.
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:04/16/2024

  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.

  ON 04/02/2024 I WAS TOLD BY ******* OPTICAL I WOULD ONLY BE CHARGED $454.19 AND I COULD SPLIT IT INTO 2-3 PAYMENTS WITH ACIMA SERVICES. NOBODY AT ******* OPTICAL OR AT ACIMA TOLD ME THERE WOULD BE MULTIPLE FEES AND MULTIPLE CHARGES ADDED TO THIS AND I REFUSE TO PAY THESE AS IT WAS NOT EXPLAINED BEFOREHAND AND THIS IS NOT ACCEPTABLE. I WILL ALSO BE CLOSING MY BANK ACCOUNT TO AVOID ISSUES IF THIS IS NOT RESOLVED.

  

  Business Response

  Date: 04/18/2024

  ************ alleges she was not made aware of the charges associated with the lease-purchase agreement (the Agreement). Acima Leasing provided ************ with a full copy of the Agreement prior to allowing her to electronically enter it. ************ electronically entered the Agreement, certifying she read and agreed to its terms and conditions. Pursuant to the Early Purchase Options paragraph of the Agreement, You have the option to purchase the Property and terminate the Agreement within the first 90 days after the Property is delivered to you by paying us $529.19, plus tax, and Other Charges due, including the $0.00 Processing Fee minus any payments you have made.

  If ************ does not wish to execute a purchase option, she may pursue a termination option as outlined in paragraph 13 of the Agreement. For questions or to execute a purchase or termination option, ************ may contact our customer service department at **************. 

  Customer Answer

  Date: 04/18/2024

   
  Complaint: 21581987
  
  I am rejecting this response because:

   

  That is absolutely not true there was nothing in the agreement that I read that said anything about a $25 charge or any type of taxes being charged since this is a prescription service and in the state of ********* it is against the law to charge taxes on prescription services. 

   

  The place that I was seeing ******* optical was also not made aware of this. Therefore Acima is lying and making false statements. I have given more than enough evidence to prove that I am right and I will not be paying anything until this is resolved.
  
  Sincerely,
  
  *******************

  

  Business Response

  Date: 04/24/2024

  ************ has not provided any evidence to support her claims. Moreover, ************** primary concern is regarding her payment obligations stated in the Agreement. ************ may access a copy of her Agreement on our customer portal at *********************************.  
  
  Regarding ************** tax claim, we reached out directly to her and resolved this concern.    
  
  Acima Leasing works hard to ensure our partnered retailers are representing our services correctly. We will continue to investigate the retailer and take action as necessary.   
  
  We consider this matter closed as we addressed ************** concerns. For questions or to execute a purchase or termination option, ************ may contact our customer service department at **************. 

• Initial Complaint

  Date:04/13/2024

  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.

  The account is not mine and I asked them to validate the debt and they couldn't.

  

  Business Response

  Date: 04/19/2024

  Acima Leasing (hereinafter us, we, our, Acima) received the complaint by ******************************* through the Better Business Bureau on April 13, 2024. We investigated this complaint and prepared the following response.

  ************** alleges The [lease] is not [hers]. Acima takes fraud allegations very seriously. We request ************** file a police report and provide us with a full and complete copy of the same to ******************************* Upon receipt of the requested documentation, we will further investigate the allegation. If it is determined that this lease is, in fact 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 or remove our reporting. We have paused our reporting for 30 days while we await additional documentation. Please note, that Experian is the only national credit bureau to which Acima reports.

  ************** alleges she previously requested verification but was not provided the documentation. Acima denies this allegation. We received our communication with ************** and confirm prior to the submission of this complaint, we did not receive a request for lease verification. However, per the fraud claim, we will wait for the additional documentation prior to sending the verification documentation.

  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 customer service department by phone at **************. 

• Initial Complaint

  Date:04/13/2024

  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 liable for this account I have no knowledge off. I have no contact with acima digital. I demand this be removed from my credit report.

  

  Business Response

  Date: 04/16/2024

  Acima Leasing (hereinafter us, we, our and Acima) received the complaint filed by Mr. ***************************** through the Better Business Bureau (BBB) on April 13, 2024. We investigated his complaint and prepared the following response.   
  
  ****************** alleges [he has] no knowledge of [this lease]. Pursuant to our records, on November 25, 2016, ****************** entered an independent third-party retailer Home Gallery Furniture (the Retailer) located in *******, ************. While with the Retailer, he applied and was approved for our leasing services. On that same date, ****************** selected furniture (the Property). Acima purchased the Property, and ****************** entered into a lease-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.   
  
  ****************** claims [he] not liable for this account. He does not provide further explanation as to why he believes he is not liable for this lease. We have reason to believe that this lease belongs 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.   
  
  As we are awaiting additional documentation, we consider this complaint closed. If ****************** has any questions or concerns in regard to his Agreement, he may contact our customer service department by phone at **************. 
  

  Customer Answer

  Date: 04/16/2024

  I don't have a contract with the company I don't know where this info is coming from. 

  

  Business Response

  Date: 04/17/2024

  We ask that ****************** follow the steps provided in our previous complaint. As we have provided ****************** further steps to follow for identity theft, we consider this complaint closed. If ****************** obtains the requested information, he may email the documentation to ******************************.  

• Initial Complaint

  Date:04/11/2024

  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 dont have a contract with this business.

  

  Business Response

  Date: 04/12/2024

  Acima Leasing (hereinafter we, us, our, and Acima) received the complaint filed by ******************************* through the Better Business Bureau on April 11, 2024. We were unable to locate a lease in our system matching the identifying information that ****************** provided in her complaint. Nonetheless, we prepared the following response. 
  
  Acima takes fraud allegations very seriously. If ****************** believes her identity was used to fraudulently create this lease, we request she files a police report and provides 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 in fact fraudulent, we will terminate this lease and remove all reporting of it from the credit bureau.  
  
  As we are awaiting additional documentation, we consider this complaint closed. If ****************** has any additional questions regarding this response or obtains the requested supporting documentation, she may contact our fraud department at ******************************* 

  Customer Answer

  Date: 04/12/2024

   
  Complaint: 21561713
  
  I am rejecting this response because:
  If you can not find a lease under my name why are you reporting to my credit? 
  Sincerely,
  
  ***************************

  

  Business Response

  Date: 04/15/2024

  Acima Leasing requires three (3) separate pieces of identifying information to identify ownership of a lease. We protect customers' information to the fullest extent. While we were unable to locate a lease in our system to sufficiently match the identifying information that ****************** provided in her complaint, this should not be construed to believe that there isnt a lease under ******************** name. Please be advised, this does not mean that a rental agreement does not exist under another spelling, name, or other classification. 
  
  As we have provided steps for ****************** to follow, and we are awaiting further documentation, we consider this complaint closed. If ****************** obtains the requested documentation, we ask her to provide it to ******************************. 

• Initial Complaint

  Date:04/08/2024

  Type:Order 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.

  The company refuses to honor their contract. I choose the option to end the finincial obligation if I were to loose my job. In October 2023 I did loose my job and reported it to Acima they refused to honor the written contract. I have paid over $590 to install lenses in frames that I already have in my possession they simply installed the lenses. They insist that I pay over $800 more dollars in violation of their contract. I have stopped payment on the account due to their refusal to honor their contract...

  

  Business Response

  Date: 04/18/2024

  Acima Leasing (hereinafter we, us, our, Acima) received the complaint filed by *************************** on April 8, 2024. ************** alleges Acima refuses to honor their contract citing job loss. We investigated ************** lease and confirm ************** initially signed up for Acimas Benefits Plus program. The Benefits Plus program allows members to receive up to $1,000.00 of waived payments on rental agreements, for four consecutive months, until they return to work, or whichever occurs first. We additionally note that Benefits Plus claims must be submitted through the Benefits Plus website, at *******************************************;
  
  We note that ************** called Acima on February 15, 2024, and indicated she was unemployed. We transferred her to our resolutions department, who advised her how to file a claim. We attempted a phone call on March 12, 2024, with **************, but the call was disconnected. We note that we have received two additional communications from a person, who we believe to potentially be **************, but the communications were disconnected after the customer refused to provide verifying information. We reject ************** allegation that we have refused to assist her. Pursuant to our information, ************** has not completed the submission of her claim, as laid out in the Benefits Plus agreement and as our agent advised her.  
  
  ************** desired resolution is to not be responsible for further rental payments. As we have confirmed ************** previously had a valid Benefits Plus contract, as a courtesy we have closed her lease for the amount received. ************** has no further payment obligations to Acima.  
   
  We hope this response provides a satisfactory resolution. If ************** has additional questions, she may contact our customer service department at ************.  

  Customer Answer

  Date: 04/19/2024

   
  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:04/08/2024

  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 opened a lease as a returning customer with this company in January. I was told I'd be given an extension to settle the lease remainder of 2000. I am in between jobs and I am solely requesting an extension of good faith as a loyal customer of this company. It should be illegal (and is in some cases) to price ***** as this company is attempting to do with me to the tune of *******. I would like to request that an extension be made for 30 days and the original buy-out amount be due so that I can actually PAY off the balance and not perpetually be indebted in these trying times to *****. I suggest that any other customers seeking a lease with this company take their business elsewhere, as the other companies are more accommodating, (Snap, AFI) and will give you a 30 day extension in the event of extenuating circumstances.

  

  Business Response

  Date: 04/11/2024

  Acima Leasing (hereinafter we, us, our, and Acima) received the complaint filed by ********************************* through the Better Business Bureau on April 8, 2024. We investigated this complaint and provided the following response.  
  
  Pursuant to our records, on December 31, 2023, **************** entered an independent third-party retailer  Artisans Fine Jewelry (the Retailer) located in ********, ********. While with the Retailer, she applied and was approved for our leasing services. On that same date, **************** selected a diamond (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. Pursuant to the Agreement, to obtain ownership of the Property, **************** is required to make 24 twice-monthly lease-renewal payments of $302.32 before tax plus an initial rent payment of $50.00 before tax, for a total of $7,305.68 (the Total of Payments) before tax. We confirm that the Total of Payments is the original amount **************** consented to, as per the Agreement. Alternatively, she can execute any other early purchase or termination option outlined within the Agreement.   
  
  As a courtesy to our customers, we offer two Early Purchase Options (EPOs); each of which reduces the cost of ownership and terminates the Agreement earlier than the rental period contained within. The first EPO is a 90-day EPO wherein **************** may obtain ownership for less than the Total of Payments. The 90-day EPO expired on March 30, 2024. **************** did not attempt to execute the 90-day EPO within the allotted timeframe, so the lease is continuing for the agreed-upon terms. The second EPO stipulates that **************** can obtain ownership at any point after the first 90 days by paying a lump sum payment equivalent to 65% of any remaining Renewal Payments. This option is available to **************** and will be until the end of the lease rental period. Alternatively, if Ms. Conteh does not wish to execute a purchase option outlined in the Agreement, she 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.     
  
  **************** indicates she was aware her 90-day EPO would expire on March 30, 2024, both in the complaint and during her communication with us. **************** request[s] that an extension be made for 30 days, and the original buy-out amount be due so that [she] can actually PAY off the balance and not perpetually be indebted. Pursuant to our records, **************** contacted us on February 29, 2024, and discussed her lease over the phone. **************** again contacted us on March 27, 2024, and our representative advised her of a final courtesy that we may offer, if she were unable to meet her 90-day EPO by March 30, 2024, which is a 7-day extension at an additional cost of $100. This courtesy is not disclosed in the Agreement and is subject to change. 
  
  Ms. ******* desired resolution is for an additional 30-day extension of the 90-day EPO.  We will not ***** this request. Acima is obligated to meet the terms and conditions of the Agreement and is not obligated to provide any extension. We offer a 7-day extension as a final courtesy. We confirm **************** was provided with adequate disclosures surrounding the Agreement and early purchase options and was aware of the 90-day EPO expiration date. We confirm that Acima did our due diligence to ensure **************** had all information regarding the Agreement terms and conditions prior to signing. **************** may still utilize the second EPO at any time.  
  
  We hope this explanation clarifies the payoff terms of Ms. ******* Agreement and her responsibilities thereunder. If Ms. Conteh has any questions or wishes to explore purchase, or termination options that are available to her, we encourage her to contact our recovery department at **************. 

  Customer Answer

  Date: 04/16/2024

   
  Complaint: 21545717
  
  I am rejecting this response because: I simply cannot afford the buy out payment, the total of ******* on an item worth *********************************** this economy, having a sense of compassion for customers attempting to create a fair settlement is essential in customer retention. I will be pursuing my legal options in regards to this if we cannot come to an amicable agreement. I understand that I am past due on the agreement. But surely this can be rectified fairly? I am a continued client of yours, and have always paid what I owed.
  
  Sincerely,
  
  *****************************

  

  Business Response

  Date: 04/17/2024

  While we find it unfortunate that **************** was unable to utilize her 90-day EPO, we cannot selectively apply the terms of the Agreement to certain customers who voluntarily engage with our services. It would be inappropriate to modify the agreed-upon terms, and Acima bears no responsibility for ******************** decision not to utilize her 90-day EPO within the allotted timeframe. 
   
  **************** has the following options to obtain ownership of the Property. **************** can pay her past-due balance of $330.32 before tax and continue her regular rent renewal payments until she has made all scheduled payments and automatically obtained ownership. **************** may utilize her second EPO, which, as stated previously, stipulates that **************** can obtain ownership at any point after the first 90 days by paying a lump sum payment equivalent to 65% of any remaining renewal payments. This option is available to **************** and will be until the end of the lease rental period. 
  
  Alternatively, if **************** does not wish to execute a purchase option outlined in the Agreement, she 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 hope this explanation helps **************** understand the options contained in her Agreement. If **************** wishes to utilize the purchase options that are available to her, or wishes to explore return options, we encourage her to contact our recovery department at **************. 

  

  Business Response

  Date: 04/17/2024

  While we find it unfortunate that **************** was unable to utilize her 90-day EPO, we cannot selectively apply the terms of the Agreement to certain customers who voluntarily engage with our services. It would be inappropriate to modify the agreed-upon terms, and Acima bears no responsibility for ******************** decision not to utilize her 90-day EPO within the allotted timeframe. 
   
  **************** has the following options to obtain ownership of the Property. **************** can pay her past-due balance of $330.32 before tax and continue her regular rent renewal payments until she has made all scheduled payments and automatically obtained ownership. **************** may utilize her second EPO, which, as stated previously, stipulates that **************** can obtain ownership at any point after the first 90 days by paying a lump sum payment equivalent to 65% of any remaining renewal payments. This option is available to **************** and will be until the end of the lease rental period. 
  
  Alternatively, if **************** does not wish to execute a purchase option outlined in the Agreement, she 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 hope this explanation helps **************** understand the options contained in her Agreement. If **************** wishes to utilize the purchase options that are available to her, or wishes to explore return options, we encourage her to contact our recovery department at **************. 

  Customer Answer

  Date: 04/17/2024

   
  Complaint: 21545717
  
  I am rejecting this response because: I simply cannot afford this option. I would be unable to honor this agreement. At best I can return the merchandise, I will not be able to pay the past due balance with returning the item.
  
  Sincerely,
  
  *****************************

  

  Business Response

  Date: 04/18/2024

  To discuss return options, **************** may contact our ****************** by calling **************. For general information she may contact our ******************* **************. 

• Initial Complaint

  Date:04/06/2024

  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’ve had several leases with Acima but this one has been a bit funky. I processed and early payment on March 19 using an ach and they attempted to bill me on March 22, the ach cleared however they won’t remove the $25 nsf because the agent says it’s been a couple of days. Regardless of it being a couple of days or not if I paid early and the payment was processed and collected the nsf from the original fee is invalid. Either the nsf is removed or I go to my attorney general and never use this service again.

  

  Business Response

  Date: 04/08/2024

  Acima Leasing (hereinafter “us,” “we,” “our,” “Acima”) received the complaint filed by Ms. ***** through the Better Business Bureau on April 6, 2024. We investigated her complaint and prepared the following response.  
  
  Ms. ***** disputes the validity of an NSF fee associated with her March 22, 2024 rent payment. Pursuant to paragraph 16 of the lease-purchase agreement (the “Agreement”) titled “Payment Authorization,” to modify the payment authorization we must receive the request at least 3 business days before the payment is scheduled to be made or far enough in advance for us to reasonably act on it. We confirm Ms. ***** did not make her rent payment far enough in advance for us to cancel the authorized automatic withdrawal on March 22, 2024. As such, the rent payment was attempted and failed, thus incurring a $25.00 NSF fee as outlined in the Agreement.   
  
  We confirm our system operated as intended. Nevertheless, we granted her request for a billing adjustment. If Ms. ***** has additional questions or would like to revoke her payment authorization to manually make her rent payments, she may contact our customer service department at ###-###-####.

• Initial Complaint

  Date:04/05/2024

  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.

  ACIMA DIGITAL FKA SIMP
  Installment | Reported on Dec 30, 2021
  Balance
  $2,456
  This charge-off account is hurting your credit. Check to make sure that the account and the details are accurate. If they aren’t, you may be able to dispute the inaccuracies.
  Payment history
  2021
  J
  F
  M
  A
  M
  J
  J
  A
  S
  O
  N
  D
  Charged off
  Collection
  60+ days late
  30+ days late
  On time
  Account details
  Account status
  Charge off
  Account type
  Installment
  Account number
  ******* Date opened
  Jun 23, 2021
  Date closed
  Dec 31, 2021
  Past due
  $0
  Responsibility
  Individual
  Times 30/60/90 Days Late
  1/1/0
  CONTACT INFO
  ACIMA DIGITAL FKA SIMP

  

  Business Response

  Date: 04/08/2024

  We were unable to locate a lease account in our system matching the identifying information that Mr. *******’s 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, we ask Mr. ******* to contact our credit reporting department by email at [email protected], regarding matters related to credit disputes.