Complaints

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

close

Find a Location

Acima has 2 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  Acima

  PO Box 1667 Draper, UT 84020-1667

  
• 

  Acima

  13907 Minuteman Dr 5th Floor Draper, UT 84020

  

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

• Initial Complaint

  Date:11/10/2023

  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.

  This company is a rip off! They do not provide clear cut financing terms for their "loans". I made a purchase with the 90 days same as cash option. What they do not tell you is that after the 90 days, any payment that you made previously does not matter. There is not a principal payment option that can be made after 90 days. In other words, you cannot call and decide to pay an additional payment towards the principal after you have already made your monthly payment. Essentially what this means is that you have to pay the amount of the purchase plus tax and an additional 65% charge (which is so many pages down on the contract) if you want to pay off the account. That more than doubles the purchase price! If you wait and continue to make payments until the end of the "finance" term, the amount of the purchase triples! When I called to ask about an early pay off I was told that I still owed 6k on a $3900 purchase. When I asked about doubling up on payments I was told that it would not make a difference to do so. It would just be applied as a regular payment. There is no way that a purchase should triple over a payment term of 52 payments. This company preys on their customers making it impossible to pay off the account early, avoiding finance charges that have not yet occurred.

  

  Business Response

  Date: 11/13/2023

  Acima (hereinafter we, us, our) received the complaint filed by **************** through the Better Business Bureau (the ***** on November 1, 2023. We investigated her complaint and prepared the following response. 
  
  Pursuant to our records, on March 4, 2023, **************** entered an independent third-party retailer Georgia Furniture Mart (the Retailer) located in *************, ******. While with the Retailer, she applied and was approved for our leasing services. On that same date, **************** selected the property described as a wheel (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. Acimas leasing product has no interest rates; all costs are disclosed within the Agreement and offered for review before signing. 
  
  Acima transactions are not financing arrangements or loans with principle. Acima purchases the merchandise selected by the customer from the retailer and then rents the merchandise to the customer through a terminable rental-purchase agreement, that contains the disclosures as required by applicable law.  **************** may also continue her regular rent renewal payments and obtain ownership after the completion of all rent renewal payments. 
  
  As a courtesy to the customer, ********************** offers two Early Purchase Options (EPO); each of which reduces the cost of ownership to the customer and terminates the Agreement earlier than the 12-month Rental Period contained within. The first EPO (FEPO) and the only EPO discussed in **************** complaint is a 90-day EPO where a customer can obtain ownership of the Property within the first 90 days of the Agreement by paying the disclosed purchase price. **************** had a FEPO purchase price of $3928.00 before tax which expired on Jun 12, 2023. **************** did not meet that amount as of the deadline, so her lease continued for the agreed-upon terms.  **************** had been informed in two separate emails of her 90-day EPO expiration date, which we show that she did open the sent emails. 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, view the status of her lease, and make payments.  
  
  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 **************, pursuant to paragraph 9 of the Agreement titled, Termination.   
  
  Acima did our due diligence to ensure **************** was aware the Agreement was, in fact, a leasing agreement with several purchase options.  **************** may also continue her regular rent renewal payments and obtain ownership after the completion of all rent renewal payments. 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. This option is still available to **************** and will be until the end of the lease term. 
  
  **************** desired resolution is for "billing adjustment We will not ***** this request. We confirm the purchase amounts and payments are fully disclosed within the Agreement, prior to signing, and it was **************** responsibility to review the terms and conditions of the Agreement. **************** elected to utilize our services, and we confirm, that we follow all applicable laws and regulations regarding the structure of our Agreements, including the purchase terms.   
  
  We hope this explanation clarifies the payoff terms of **************** Agreement and her responsibilities thereunder. If **************** 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 **************.

• Initial Complaint

  Date:11/09/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with charter communications, I do not have a contract with Acima Digital Credit Systems,LP, they did not provide me with the original contract as i requested

  

  Business Response

  Date: 11/10/2023

  Acima (hereinafter us, we, our) received the complaint filed by ************** through the Better Business Bureau (BBB) on November 9, 2023. Please note, we are not affiliated with charter communications. Nonetheless, we investigated his complaint and prepared the following response.   
  
  ************** alleges, they did not provide me with the original contract as I requested. We reviewed our records and confirmed ************** has not previously requested a copy of the lease-purchase agreement (the Agreement). We confirm ************** was provided a full copy of the Agreement at the time they entered into the lease. ************** may also view a copy of their Agreement at any time by logging into the Acima customer portal located at ******************************************************************;
  
  ************** claims he is not liable for this debt and that he does not have a contract with Acima. If ************** believes his identity was used to fraudulently create this lease, we request he file a police report and provide us with a full and complete copy of the same at ******************************* Upon receipt of the requested documentation, we will further investigate his allegation. If this lease is fraudulent, we will terminate it and remove all reporting from the credit bureau. Absence of 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 ************** has any additional questions regarding his lease, he may contact our recovery department at **************. If he obtains the requested supporting documentation, he may provide this information to our fraud department at ******************************* 

• Initial Complaint

  Date:11/09/2023

  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 deeply concerned about the sharing of my nonpublic information with credit bureaus and the resulting inaccuracies on my credit report. This situation has caused significant financial and emotional distress.Under 15 USC **** Section 602, I have the right to financial privacy, and I expect my information to remain confidential.Furthermore, 15 USC **** Section 604(a)(2) states that a consumer reporting agency cannot furnish account information without my written instructions, which I have not provided.I have identified inaccuracies on my credit report from ACIMA DIGITAL FKA SIMP, impacting my financial well-being. I request these inaccuracies be corrected promptly.Lastly, please remember 15 USC 1666(b), which prohibits treating payments on a credit card account as late under certain circumstances.For reference, my account details are as follows:Account Number: 319**I request a thorough review of my account, prompt correction of credit report inaccuracies, and strict adherence to federal laws regarding my information.Failure to address these issues may compel further legal action. I anticipate your prompt response and resolution to these concerns.Thank you for your immediate attention to this matter.Sincerely,***********************

  

  Business Response

  Date: 11/10/2023

  We were unable to locate a lease account in our system matching the identifying information that ****************** provided in her complaint. ****************** may contact our customer service department by phone at ************** if she has any questions, or if she would like to assist our agents in attempting to locate a lease account associated with her information. Additionally, we ask ****************** to contact our credit reporting department by email at *********************************************************, regarding matters related to credit disputes. 

• Initial Complaint

  Date:11/08/2023

  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 purchased a bedroom set and was given a period to pay off an account with a lease. The leasing company had a system that would not accept my credit card therefore I purchased an extension. My husband passed and we were traveling and unfortunately the system shows my payment as past extension due to their system error so they are charging me twice as much for a bedroom set even though it was due to their computers error and refuse to credit my acct back and reflect as paid in full

  

  Business Response

  Date: 11/14/2023

  We reached out directly to ************ via phone call and resolved her concerns. As such, we consider this matter closed. If ************ has additional questions, she may contact our customer service department at **************.   

• Initial Complaint

  Date:11/06/2023

  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.

  My wife and I bought wheels and tires using acima. Apon calling in we were told that the intrest rate is over 800 percent a we advised acima that we were un able to make payments on both of the accounts and was told that we had to pay in full we bought one set of wheels and tires for **** and another set of wheels and tires for **** if we where to pay the full 12 month term that is over ****** dollars. we are unable to return them due to no longer having them or the cars. this is a total scam and we are being charged 10 times the amount we paid

  Customer Answer

  Date: 11/07/2023

   
  Complaint: 20835024
  
  

  Wanted to add additional info. We have told acima on both my wife and my accounts we no longer authorized them to debt payments. They are still doing so and calling roughly 4 to 5 times a days as harassment 

  
  

  
  
  Sincerely,
  
  ***********************

  

  Business Response

  Date: 11/08/2023

  Acima (hereinafter we, us, our) received the complaint filed by *************************** through the Better Business Bureau on October 6, 2023. We investigated his complaint and provided the following response. Please note, we are unable to offer a response or action regarding [his] wifes account, we will only address the allegations as they relate to ****************** account. 
  
  Pursuant to our records, on June 1, 2023, ************** entered an independent third-party retailer ********* - ******* (the Retailer) located in *************, ******. While with the Retailer, he applied and was approved for our leasing services. On that same date, ************** selected the property described as a wheel (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. Acimas leasing product has no interest rates; all costs are disclosed within the Agreement and offered for review before signing.  
  
   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, which expired on August 31, 2023. 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 the remaining Renewal Payments. This option is still available to ************** and will be throughout the remainder of **************** rent payment schedule. 
   
  ************** alleges that he no longer has the property. Per section 6 of the signed Agreement, titled Damage or Loss of Property: You are responsible to pay us for the fair market value of the Property if, and as of the time, it is lost, stolen, damaged, or destroyed. ... If the Property is lost, stolen, damaged, or destroyed during the Agreement term, or you do not return the Property to us when required to do so, you must pay us, in addition to all other amounts you owe us: (a) the amount you would need to pay to acquire the Property; 
  
  ************** alleges that we are calling roughly 4 to 5 times a days as harassment . Although we are exempt from the Fair Debt Collections Practice Act (FDCPA), we follow parts as a manner of best practice. We call as allowed by the ****** which, per lease a maximum of twice a day.  ************** also consented to receiving calls within section 16 of the signed Agreement You consent to be contacted, from time to time, by Acima, its affiliates, vendors, agents, successors and assigns, regarding your account, for collection purposes. We have reviewed our communications attempts and confirm that we are complying with the restrictions of FDCPA and have not called more than twice per day. If ************** would like to not be contacted, he may contact Acima via chat, email, or telephone to request Acima cease communication.  
  
  ************** alleges he has previously requested we cease automatic payments. This is the first indication that ************** has given, indicating that he would like automatic payments to stop drafting.  We have turned off automatic payments for his lease. We are unable to take action on his wife's account, we request that she call in to have action taken on her account, so that we may appropriately verify her identity and associated lease. 
  
  **************** desired resolution is for " both accounts to be paid and settled in full. We will not ***** this request. We confirm the purchase amounts and payments are fully disclosed within the Agreement, prior to signing, and it was **************** responsibility to review the terms and conditions of the Agreement.  ************** elected to utilize our services, and we confirm, that we follow all applicable laws and regulations regarding the structure of our Agreements, including the purchase terms.  
  
  If ************** has any questions or wishes to explore purchase, or termination options that are available to him, we encourage him to contact our recovery department at **************. 

  Customer Answer

  Date: 11/08/2023

   
  Complaint: 20835024
  
  I am rejecting this response because:
  When both wheels were purchased at the 90 day **** I was still paying just the cost of the wheels then a few days later my bill went from 700 to almost 2 grand. That's not a lease that's intrest. I add my wife account into the claim due to its coming out of my bank account. We want this paid and settled in full. When we contacted acima via chat we was informed it was intrest and they can't honor the 90 cost.  This has now cost us almost ***** dollars a month for 12 months? So my wheels I paid **** and my wife's around **** that's **** dollars your telling me 8 grand extra is a lease? That's intrest. 
  Sincerely,
  
  ***********************

  

  Business Response

  Date: 11/13/2023

  We confirm receipt of **************** rejection of our response through the BBB. We again note that we are unable to offer a response or action regarding [his] wifes account, we will only address the allegations as they relate to ****************** account. We require customers to verify their identity prior to our providing information regarding the customers account and will not provide information absent of this verification. 
  
  Acima transactions are not financing arrangements or loans with interest. Acima purchases the merchandise selected by the customer from the retailer and then rents the merchandise to the customer through a terminable rental-purchase agreement, that contains the disclosures as required by applicable law.  ************** may also continue his regular rent renewal payments and obtain ownership after the completion of all rent renewal payments.  
  
  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 12-month Rental Period contained within. The first EPO (FEPO) and the only EPO discussed in **************** complaint is a 90-day EPO where a customer can obtain ownership of the Property within the first 90 days of the Agreement by paying the disclosed purchase price. ************** had a FEPO purchase price of $1,675.00 before tax which expired on August 31, 2023. ************** had not met that total as of the deadline, so his lease is continuing for the agreed-upon terms.  ************** had been informed within two separate emails of when his 90-day EPO expires, as well, as the amount needed to purchase the Property. Additionally, ************** was also provided a link to Acimas customer portal, located at *********************************/, where he could log in to view a copy of the Agreement at any time, view the status of his lease, and make payments.  
  
  Acima did our due diligence to ensure ************** was aware the Agreement was, in fact, a leasing agreement with several purchase options.  ************** may also continue his regular rent renewal payments and obtain ownership after the completion of all rent renewal payments. 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. This option is still available to ************** and will be until the end of the lease term. 
  
  We hope this explanation clarifies the payoff terms of **************** Agreement and his responsibilities thereunder. If ************** has any questions or wishes to explore purchase, or termination options that are available to him, we encourage him to contact our recovery department at **************.

  Customer Answer

  Date: 11/13/2023

   
  Complaint: 20835024
  
  I am rejecting this response because:

  This company is stating that every day there is a cost of ownership for this item. in which is accruing whats know as intrest per day. Buying an item then charging over 200 percent is a intrest bearing agreement. im requesting this to be paid in full  

  
  
  Sincerely,
  
  ***********************

  

  Business Response

  Date: 11/15/2023

  ************** continues to allege this lease accrures[sic] what[]s know[n] as int[e]rest per day. This is not correct. Acima is a virtual rent-to-own organization offering an alternative option to financing. Acima offers only one lease model - a rental-purchase agreement. Acima purchases the merchandise selected by the customer from the retailer and then rents the merchandise to the customer through a terminable rental-purchase agreement (the Agreement) that contains the disclosures as required by applicable law. As indicated in our disclosures, Acima charges for the use of our services. Customers who utilize our services will ultimately pay for the use of them, as fully disclosed in the Agreement. ************** can view his signed Agreement, by logging into his account found at *********************************/ 
  
  Acima performed its due diligence in providing ************** with the opportunity to review the Agreement in its entirety before signing. It was **************** responsibility to review the entirety of the Agreement, as well as the other information Acima provided to him. Furthermore, we confirm ************** did not reach out to Acima with any questions regarding the nature of our services or the terms and conditions within the Agreement before signing.   
  
  To obtain ownership of the Property ************** is required to make 24 twice-monthly rent-renewal payments of $153.30 before tax, plus an initial rent payment of $50.00 before tax, for a total of $3,729.00 (the Total of Payments) before tax. This amount has not changed and was originally agreed upon the signing of the Agreement. 
  
  As addressed in previous responses, the Second Early Purchase Option (****) 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. This means, that as rental-renewal payments become due during the lease term, the proportion of the remaining payments subject to the **** decreases, as the due payments are excluded. This option is still available to ************** and will be until the last rent-renewal payment is due. 
  
  ************** requests his Agreement to be considered paid in full. ************** has two purchase options. He may utilize either the ****, which, as of today's writing is $2,073.75 before tax, or ************** can pay his past due balance of $778.49 before tax and continue his regular rent renewal payments until he has made all scheduled payments and automatically obtained ownership. As stated above the **** is subject to change. 
  
  We hope this explanation helps ************** understand the function of a rental purchase Agreement and the payoff terms therein. If ************** wishes to utilize the purchase options that are available to him or make up his past-due balance, we encourage him to contact our recovery department at **************. 

  Customer Answer

  Date: 11/19/2023

   
  Complaint: 20835024
  
  I am rejecting this response because:

  Acima is claiming that this is a lease agreement. However take the numbers for example I purchased the product for ******* at the 90 day **** i owed roughly 800 or so. Now by the end of the so called lease I will have spent **** thats interest daily that is being charged. I am requesting this account to be settled and paid in full by acima 
  
  Sincerely,
  
  ***********************

  

  Business Response

  Date: 11/22/2023

  As we have addressed all allegations in full, we consider this complaint closed. If ************** has any additional questions regarding the function of rental-purchase agreements or would like to explore purchase options that *** be available to him, he *** contact our recovery department by phone at **************. 

• Initial Complaint

  Date:11/03/2023

  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 filed a complaint a few months ago and was contacted by Acima. I was put on a $600 settlement. However, I missed a settlement payment. The following week $109 was taken out of my checking acct. which was not the $200 amount settlement agreement. I called and was told that the $109 was a regular payment and did not count toward my $400 settlement amount I still owed. I spoke to a man who offered me at $400 settlement amount. He tried to process it and it would not go through. He transferred me to someone else who said they could not do a $400 settlement which was the remainder of the $600 I owed. I told her the man previously said I could do a $400 settlement. The employee argued with me. I explained their calls are recorded for these purposes to go back and list to the settlement offer from the previous employee. I was offered a $400 settlement, so they should have to honor it. I was told last week she was send the request for review. I never heard anything and another $109 was taken out of my account today. I called and was told it would not go toward a settlement. That is $218 in two weeks that has been taken out of my checking account that I was told would not go toward my settlement that someone was supposed to be checking on. Since I was told a $400 settlement off Acima should honor that and take the $218 off of that $400 settlement because they keep taking the money out of my account when I asked last week for them not too. The women said nothing would be taken out until my issue was resolved. I repeatedly get harassed by their company and no one knows anything about the settlement case. I am tired of dealing with Acima and them taking my money and not being put on the settlement that I was offered. I should only owe $182 now. I also do not want this to show on my credit report. I have almost paid what the item was worth and all you all do is harass me and not do what you say.

  

  Business Response

  Date: 11/10/2023

  We reached out directly to ****************** via phone call and resolved her concerns. As such, we consider this matter closed. If ****************** has additional questions, she may contact our customer service department at **************.  

  Customer Answer

  Date: 11/14/2023

   
  Complaint: 20821199
  
  I am rejecting this response because: I was told on the phone that I would be sent a confirmation that the settlement would not go on my credit report and I never did. Once I receive that I will be satisfied with my results. 
  
  Sincerely,
  
  *******************************

  

  Business Response

  Date: 11/15/2023

  ****************** alleges she was informed [she] would be sent a confirmation that the settlement would not go on [her] credit report. We deny Ms. ******** allegation and confirm Ms. ******** rental-purchase agreement does not contain any provisions for our reporting of her lease to the credit bureaus. Thus, Ms. ******** agreement was not reported at its inception and will not be reported.  
  
  We consider this matter closed. If ****************** has additional questions, she may contact our customer service department at **************.

• Initial Complaint

  Date:11/02/2023

  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.

  This is a formal complaint against ACIMA DIGITAL located in DRAPER, UT. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, Transunion, Experian and Equifax not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, ACIMA DIGITAL has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

  

  Business Response

  Date: 11/07/2023

  Acima (hereinafter “us,” “we,” “our”) received the complaint filed by Ms. ******** through the Better Business Bureau (“BBB”) on November 2, 2023. We investigated her complaint and prepared the following response.  
  
  Ms. ******** alleges we are a collection company reporting inaccurate information to all three national credit bureaus. These allegations are not true. We are not a collection company. Acima originates and services all lease agreements signed with Acima and does so under its own name. Upon receipt of this complaint, we investigate our reporting of Ms. ********’s lease to Experian and confirm it is accurate in its entirety. Further, we confirm we are not reporting Ms. ********’s lease to Transunion or Equifax as she alleges.  
  
  Ms. ******** alleges she has “asked for proof of claim and in which [we] have refused to validate per [her] request under the Fair Debt Collection Practices Act” “because [we] have none since this account has never even existed.” This is not true. We reviewed Ms. ********’s lease and do not have record of her requesting validation. Moreover, we are not subject to the Fair Debt Collection Practices Act in that we are not a collection agency; however, we verify leases upon request. To accommodate Ms. ********’s request, we will provide her with verification of her lease separately. 
  
  Ms. ******** alleges we have “completely ignored [her] communications and legal submissions to remove this inaccurate information from [her] credit reports.” Acima denies this allegation. Our records indicate we received a direct dispute from Ms. ******** and several indirect disputes through Experian on her behalf. We can confirm we responded to all disputes in a timely manner. 
  
  As we confirm our reporting is accurate and we have abided by the Fair Credit Reporting Act in promptly investigating disputes, we consider this matter closed. If Ms. ******** has any questions or concerns in regard to her lease or would like to explore any purchase, termination, or settlement options that may be available to her, she may contact our recovery department by phone at ###-###-####. 

• Initial Complaint

  Date:10/31/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased thru Wayfair and found Acima was an option. I placed an order and financed with Acima. My purchase amount was intially 899.52, but after we received the items some were damaged and we were offered 2 appeasements. One in the amount of $136.52 and one in the amount $65.02. I have made numerous calls to Acima because I have had no resolution to the amounts not being applied to my account and misinformation regarding my payout amount not being correct as I am being told by tier 1 customer service that i owe $520.93. If my initial lease was $899.52 and I paid $ 47.70 on 8/10, had and adjustment of 136.52 on 8/17, paid 66.24 on 9/8, 66.24 on 9/22, $66.24 on 10/6, paid the missed payment of $66.24 from 8/25 on 10/13 and also had late fees and charges of $37 waived this day, paid $66.24 on 10/22, and still have $65.02 pending in a credit from Wayfair in your system I would owe 319.08 as of today 10/31/23. Unfortunately I have been given the amounts $520.63 from customer service and 426.14 from resolutions today 10/31. I have been bounced back and forth customer service to resolutions who most of the time takes my call and then immediately says I have no case with them though I do. Case number is ******** per Chelsea in resolutions, but every other time I am transferred to them I get an extremely rude agent named David who hangs up in my face or talks over me very rudely to say he will not help me because I do not have a case. Per customer service manager Damian, and processing agent that I have been transferred to today, David has asked me not to be transferred back to resolutions and as such I am caught in a never-ending of no answers 8 days before my 90 day same as cash option ends. This all feels deliberate and intentional. I would like a resolution asap or I will be forced to contact the attorney general and consumer protection entity. I prefer contact from a resolution supervisor, but at the very least, not David. Someone should listen to his calls.

  

  Business Response

  Date: 11/08/2023

  Acima (hereinafter “we,” “us,” “our”) received the complaint filed by Ms. ****** ******* through the Better Business Bureau on October 31, 2023. We investigated this complaint and are currently working with Ms. ******* to achieve a resolution and will follow up directly with her. As such, we consider this complaint closed. Ms. ******* may contact us at ###-###-#### with any additional questions. 

• Initial Complaint

  Date:10/26/2023

  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 purchased tires through Big O Tires after an emergency happened. We were offered to finance tires so we could afford to replace them. We were told that we could make monthly payments of $113 a month. We were told to go to a certain website, sign here, sign here, and we would be good to go.
  
  What we didn't know is that we were signing to pay more than double the original price for these tires! We also were not told that it would be $113 every two weeks.
  
  When we tried to reach out, we were hung up on repeatedly. We decided we would just pay until we could afford to pay off at the early pay off price.
  
  The day I went to pay it off, the early pay off amount had doubled! When I tried to reach out again, we got hung up on and was disconnected from the chat. Now we have to pay the amount the tires would have been worth if we bought them outright to get out of this loan nightmare. That's after paying over $1,000.
  
  This company is a complete fraud and we were lied to about it! I would never recommend this company if you need financing assistance.

  

  Business Response

  Date: 10/31/2023

  Acima (hereinafter “we,” “us,” “our”) received the complaint filed by Mr. ******* ****** through the Better Business Bureau on October 26, 2023. We investigated this complaint and provide the following response. 

  On June 19, 2023, Mr. ****** entered an independent third-party retailer – Big O Tires – Craig (the “Retailer”) – located in Craig, Colorado. While with the Retailer, he applied and was approved for our leasing services. On that same date, he selected property described as new tires (the “Property”). Acima purchased the Property, and Mr. ****** electronically entered into a rental/lease-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 $113.37 plus an initial rent payment of $10.00 for a total of $2,957.56 (the “Total of Payments”). Alternatively, he could execute any other early purchase or termination option outlined within the Agreement. 

  As a courtesy to customers, Acima also 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 purchase price. Mr. ****** had a 90-day EPO purchase price of $1,280.33 which expired on September 18, 2023. 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 hope this response assists Mr. ******’s understanding of his Agreements. As we have thoroughly responded to Mr. ******, we consider this complaint closed. If Mr. ****** has any questions or concerns in regard to his Agreements or would like to explore any purchase, or termination options that may be available to him, he may contact our customer service department by phone at ###-###-####. 

  Customer Answer

  Date: 10/31/2023

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

  I was not made aware of the agreement you are describing upon sign up. I was told by the associate at Big O to sign in two places that he showed me and pay 10 dollars, to which I would then make payments of $113 a month (not biweekly) until paid off. No interest involved. I was sold on this by the association and given false information. I was not shown an agreement or anything of the sorts until after I had 2 payments withdrawn in one month and began investigating further. 

  Upon my research, I found out that I would be charged double the original cost for the tires plus I am forced to pay twice what I was informed I would pay. This has cost my family greatly and prevented me from being able to buy groceries when my family needed. I was lied to and feel as though I am being robbed.

  When I made multiple attempts to reach someone to discuss further, I was repeatedly hung up on and no one ever took the time to help me resolve this issue. I am aware of said document that my electronic signature was placed on now but I did not sign this agreement. I signed under a different agreement and was not disclosed to the truth. 

  Honestly, I am not sure why anyone in their right mind would willfully pay well over $3,000 for a $1,400 expense. I'm not asking for a refund. I am asking for a reasonable way out as I did not sign up for this. 

  
  
  
  Sincerely,
  
  
  
  ******* ******

  

  Business Response

  Date: 11/07/2023

  We investigated Mr. ******* ******’s rejection of our initial response and attempted to reach out to him directly; however, we were unsuccessful. We ask that Mr. ****** return our call to discuss the options that are available to him to resolve this matter at ###-###-####. Please be advised that further rejections that do not contain additional information will be closed as a duplicate. 

• Initial Complaint

  Date:10/24/2023

  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 as identified on my credit report. Has never provided me with the 3 disclosures required by 15 usc 6802. These 3 disclosures must be provided to me and signed by me before any creditor can report my personal information to a credit reporting agency. I have requested signed original copies of said disclosures and was never provided with them. I’m requesting a correction to my credit report by having this information removed as soon as possible.

  

  Business Response

  Date: 10/27/2023

  Acima (hereinafter “we,” “us,” “our”) received the complaint filed by Mr. ******* ****** through the Better Business Bureau on October 24, 2023. We investigated this complaint and provide the following response. 
  

  Mr. ****** claims, “[Acima] has never provided me with the 3 disclosures required by 15 usc 6802. These 3 disclosures must be provided to me before any creditor can report my personal information to a credit reporting agency.” Acima confirms that 15 U.S. Code § 6802 does not require the customer to have three separate disclosures to report to credit bureaus. Furthermore, 15 U.S. Code § 6802 deals with the protection of nonpublic personal information. We confirm we follow all applicable portions of this law, and that all consumer information has been adequately protected. Please note, the opt out requirements, referred to in the complaint, are not applicable when disclosing non-public information to a consumer reporting agency in accordance with the Fair Credit Reporting Act (12 CFR § 1016.15(a)(5)(i).).

  Mr. ****** alleges, “[He has] requested signed original copies of said disclosures and was never provided with them.” Pursuant to our records, we have received one direct dispute and no indirect disputes prior to this complaint. The direct dispute was received October 20, 2023 and is still in the process of being reviewed. We do not have a record of Mr. ****** requesting any documentation, apart from his direct dispute of our reporting. Customers may view their lease agreement and their lease details through our online customer portal at *************. Additionally, customers may contact our customer service department at ###-###-#### to receive  this information and to request a mailed physical copy of their lease agreement. 

  We hope this response assists Mr. ******’s understanding of his Agreements. As we have thoroughly responded to Mr. ******, we consider this complaint closed. If Mr. ****** has any questions or concerns in regard to his Agreements or would like to explore any purchase, termination, or settlement options that may be available to him, he may contact our recovery department by phone at ###-###-####.