Complaints
This profile includes complaints for Acima's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 1,302 total complaints in the last 3 years.
- 599 complaints closed in the last 12 months.
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Submit a ComplaintThe 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:07/22/2023
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I have no idea of what this website is and they sent me an email regarding lease ********. I disregarded the emails thinking it was scam, however to my surprise there was a payment deducted today from my bank account. Either this website is a scam and their customer service doesn't help me with this properly. I am going to file a police complaint and report to my bank.
Business Response
Date: 07/24/2023
Pursuant to our records, on July 11, 2023, Mr. ***** **** entered an independent online third-party retailer – Curacao (the “Retailer”). While on the Retailer’s website, he applied and was approved for our leasing services. On that same date, Mr. **** selected property described as a “1x Apple 10.9" iPad 10th Generation with 64GB and Wi-Fi” (the “Property”). Acima purchased the Property, and Mr. **** electronically entered into a rental-purchase agreement (the “Agreement”) wherein he agreed to rent the Property from Acima. Pursuant to the Agreement, to obtain ownership of the Property Mr. **** was required to make 52 weekly rent renewal payments of $23.01 before tax, plus an initial rent payment of $70.00 before tax, for a total of $1,266.02 (the “Total of Payments”) before tax. Alternatively, he could execute any other early purchase or termination option outlined within the Agreement.
Acima takes fraud allegations very seriously. If Mr. **** still believes his identity was used to fraudulently create this lease, we request he files a police report and provides us with a full and complete copy of the same at [email protected]. Upon receipt of the requested documentation, we will further investigate his allegation. If it is determined that this lease is in fact fraudulent, we will terminate this lease. Absent proof of fraudulent activity, we will not terminate the lease.
As we are awaiting additional documentation, we consider this complaint closed. If Mr. **** has any additional questions regarding this response or obtains the requested supporting documentation, he may contact our fraud department at ***************.Initial Complaint
Date:07/22/2023
Type: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 company asks you to make a payment on certain deadline days but fails to notify you of time zone and hours of payment requirements and the fact that it must be done through an agent. I had to pay so much more because of their lack of information. I have my bank statement proving my payment was done July 21st. Although they are claiming since it was out of their schedule payment hours they applied it to the following day hence all my extra fees.Business Response
Date: 07/26/2023
Acima (hereinafter us, we, our) received the complaint filed by ****************** through the Better Business Bureau (BBB) on July 22, 2023. We contacted ****************** and reached a resolution to the complaint. As such, we consider this complaint closed. ****************** may contact ** at ************** with any additional questions.Initial Complaint
Date:07/20/2023
Type: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 reporting a charge off to my credit reporting agency but no **** c was sent out to me and want this removed from all reports due to inaccurate information for IRS definition of charge off is income therefore removing this will resolve all violationsBusiness Response
Date: 07/21/2023
Acima (hereinafter we, us, our) received the complaint filed by Ms. ***************************** through the Better Business Bureau on July 20, 2023. We investigated this complaint and provide the following response.
On July 15, 2019, **************** 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 property described as Sofa Loveseat Set (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 **************** was required to make 12 lease renewal payments of $183.04 before tax, plus an initial rent payment of $50.00 before tax for a total of $2,246.40 (the Total of Payments) before tax. Alternatively, she could execute any other purchase or termination option outlined within the Agreement. This lease was charged-off on January 15, 2020, due to non-payment.
**************** alleges that [Acima] is reporting a charge off to my credit reporting agency but no **** c was sent out to me... For clarification, Acima does not offer credit and is not a creditor as defined by federal regulation. Additionally, a charge-off does not constitute the removal or cancellation of her rent payment obligations and issuance of an IRS Form ****-C is limited to the entities specifically described within the publication. Acima is not one of these entity types. Furthermore, IRS Form ****-C relates to secured property, which does not reflect the ownership status of the Property subject to the Agreement. Therefore, IRS Form ****-C in no way influences the responsibilities of the parties, and issuing **************** an IRS Form ****-C would be inappropriate.
Furthermore, **************** claims, [she] want[s] this removed from all reports due to inaccurate information She does not provide further explanation as to why she believes the information is inaccurate. We have reason to believe that this lease belongs to ****************. However, if **************** is alleging identity theft, we request that she either file a police report or a ************************ Identity Theft Affidavit (FTC Affidavit). Please note, an FTC Affidavit may be filed online, on the FTCs website. Acima requires documentation to substantiate fraud allegations, and we direct all customers who allege identity theft has occurred to file a police report for identity theft, and/or an FTC Affidavit and send a copy to ******************************* 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 account or remove our reporting. We paused our reporting of these accounts for 30 days while we await the requested information. Please note, Experian is the only major credit bureau to which Acima reports.
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 *******************************Initial Complaint
Date:07/20/2023
Type: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 posted a payment on my account on one day and they went behind me and took the amount out and a little more saying that, I made double payment. When I spoke to one person they said I had to wait until the money cleared and I saw that it had cleared. I spoke with another person and he stated if you don't pay on the day you say they can take your money and keep it and that's not true. This is not my first time dealing with this company and I was happy with them until now. I want my money refunded. I don't know how many people they have taken money from like this and this is awful.Initial Complaint
Date:07/18/2023
Type: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.
Charged for fees not agreed upon and no attempt to resolve issue after calling to get information.Business Response
Date: 07/26/2023
Acima (hereinafter us, we, our) received the complaint filed by ************** through the Better Business Bureau (BBB) on July 18, 2023. We investigated her complaint and attempted to reach out to her direct via phone call to resolve this matter; however, we were unsuccessful. We request that she return our calls at her earliest convenience at **************.Initial Complaint
Date:07/16/2023
Type: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. I do not have a contract with ACIMA, they did not provide me with the original contract as I requested.Business Response
Date: 07/17/2023
Acima (hereinafter “us,” “we,” “our”) received the complaint filed by Mr. ***** ******* through the Better Business Bureau (“BBB”) on July 16, 2023. We investigated his complaint and prepared the following response.
Mr. ******* alleges “[he does] not have a contract with ACIMA.”. Pursuant to our records, on May 21, 2019, Mr. ******* entered an independent third-party retailer – Teamer Computer - Dallas (the “Retailer”) – located in Dallas, Texas. While with the Retailer, he applied and was approved for our leasing services. On that same date, Mr. ******* selected property described as a “15in MacBook Pro Non Retina 2012 i7/8gb/500gb 1 year warranty” (the “Property”). Acima purchased the Property, and Mr. ******* electronically entered into a rental-purchase agreement (the “Agreement”) wherein he agreed to rent the Property from Acima. Alternatively, he could execute any other early purchase or termination option outlined within the Agreement.
Mr. ******* claims “[he is] not liable for this debt.” He does not provide further explanation as to why he believes he is not liable for this debt. We have reason to believe that this lease belongs to Mr. *******. However, if Mr. ******* is alleging identity theft, we request that he provide us with any documentation substantiating his allegation, including a full police report, at [email protected]. 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. We paused our reporting of these accounts for 30 days while we await the requested information. Please note, Experian is the only major credit bureau to which Acima reports.
Mr. ******* claims “[we] did not provide [him] with the original contract as requested.” We reviewed his lease account and we do not have a record of him requesting the original Agreement. Furthermore, as Mr. ******* claims he is not liable for this debt, we will not provide him with the Agreement until he provides us with a police report for identity theft at [email protected].
As we are awaiting additional documentation, we consider this complaint closed. If Mr. ******* has any questions or concerns in regard to his Agreement or would like to explore any purchase, or settlement options that may be available to him, he may contact our recovery department by phone at ###-###-####.Initial Complaint
Date:07/15/2023
Type: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. I do not have a contract with Acima, they did not provide me with the original contract as I requested.Business Response
Date: 07/17/2023
Acima has searched our database and was unable to locate the agreement referenced in Mr. *********’s complaint. Please be advised, this does not mean that a rental agreement does not exist under another spelling, name, or other classification. Mr. ********* may respond to this complaint with additional identification information, such as the lease number, so we may better assist him with his concerns.
Until Acima receives the requested information, we are unable to address this complaint. Mr. ********* may contact Acima at ###-###-#### with any additional questions.Initial Complaint
Date:07/14/2023
Type: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 the debt with ACIMA DIGITAL FKA SIMPLE.I do not have a contract with ACIMA DIGITAL FKA SIMPLE.They did not provide me with the original contract as requested.Business Response
Date: 07/17/2023
Acima (hereinafter us, we, our) received the complaint filed by ******************************* through the Better Business Bureau (BBB) on July 14, 2023. We investigated his complaint and prepared the following response.
************** alleges [he does] not have a contract with Acima. Pursuant to our records, on September 21, 2020, ************** entered an independent third-party retailer Bebo's Wheels & Tires (the Retailer) located in *******, ********. While with the Retailer, he applied and was approved for our leasing services. On that same date, ************** selected property described as a brand new inovit 19x8.5 et35 rims (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. Alternatively, he could execute any other early purchase or termination option outlined within the Agreement.
************** claims [he is] not liable for this debt. He does not provide further explanation as to why he believes he is not liable for this debt. We have reason to believe that this lease belongs to **************. However, 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. We paused our reporting of these accounts for 30 days while we await the requested information. Please note, Experian is the only major credit bureau to which Acima reports.
************** claims [we] did not provide [him] with the original contract as requested. We reviewed his lease account and we have a record of sending the Agreement via email on February 21, 2021, to the email on the application per his request.
As we are awaiting additional documentation, we consider this complaint closed. If ************** has any questions or concerns in regard to his Agreement or would like to explore any purchase, or settlement options that *** be available to him, he *** contact our recovery department by phone at **************.Initial Complaint
Date:07/14/2023
Type: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. I do not have a contract with them.Business Response
Date: 07/17/2023
Acima (hereinafter “us,” “we,” “our”) received the complaint filed by Ms. ******* ****** through the Better Business Bureau (“BBB”) on July 14, 2023. Please note that Ms. ******’s name in our system is reflected as “******* ********.” This was the name provided to us at the time of application. We investigated Ms. ******’s complaint and provide the following response to address her allegations and the steps necessary to resolve her complaint.
Ms. ****** alleges “[she does] not have a contract with” Acima. Pursuant to our records, on May 21, 2022, Ms. ****** entered an independent third-party retailer – BoxDrop Lexington (the “Retailer”) – located in Lexington, South Carolina. While with the Retailer, she applied and was approved for our leasing services. On that same date, Ms. ****** selected property described as a “Queen 15-inch Eurotop” (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. Alternatively, she could execute any other early purchase or termination option outlined within the Agreement.
Ms. ****** claims “[she is] not liable for this debt.” She does not provide further explanation as to why she believes she is not liable for this debt. We have reason to believe that this lease belongs to Ms. ******. Nonetheless, we request that she either file a police report or a Federal Trade Commission Identity Theft Affidavit (“FTC Affidavit”). Please note, an FTC Affidavit may be filed online, on the FTC’s website. Acima requires documentation to substantiate fraud allegations, and we direct all customers who allege identity theft has occurred to file a police report for identity theft, and/or an FTC Affidavit and send a copy to [email protected]. 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 account or remove our reporting. We paused our reporting of these accounts for 30 days while we await the requested information. Please note, Experian is the only major credit bureau to which Acima reports.
As we are awaiting additional documentation, we consider this complaint closed. If Ms. ****** has any questions or concerns in regard to her Agreement 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:07/13/2023
Type: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 received a email while sitting at home about a loan. I ignored this email and got busy. A few days later I was able to check my email again and found a loan that was opened fraudulently in my name. I reported it to the company and did everything they requested including filing a police report. They then tried to say it was signed for using my phone number but I have no clue how thats possible as I did not sign up for the loan.Business Response
Date: 07/14/2023
Mr. ***** requests no further contact from Acima. Upon receipt of this complaint, we placed a do not contact order on **************** lease. As such, Mr. ***** will receive no further communication from Acima. Without the ability to communicate with Mr. ****** we are unable to resolve this complaint and so, we consider this complaint closed.
We request Mr. ***** continue to work with our fraud department at ****************************** by providing the requested official police report.
Customer Answer
Date: 07/17/2023
Complaint: 20318147
I am rejecting this response because:I have every email sent to acima. I never once told you to not contact me. I contacted acima regarding the loan and they flat out said that I was responsible with no help to determine that the lease was opened fraudulently. I told them I would get an attorney involved if I had to and received no response from them regarding the fraudulent loan.
Sincerely,
****************Business Response
Date: 07/19/2023
Mr. ***** alleges [he] never once told [us] to not contact [him]. We confirm **************** listed desired settlement to his BBB complaint is No further contact by the business.
We again request Mr. ***** provide our fraud department with a copy of the official police report at ******************************.
As we are awaiting additional documentation, we consider this complaint closed. If Mr. ***** has any additional questions regarding this response or obtains the requested supporting documentation, he may contact our fraud department at ******************************.Customer Answer
Date: 07/21/2023
Complaint: 20318147
I am rejecting this response because:
you were given the copy of the filed police report it can take up to 30 days to get the official report and you didnt give me that time to get the official report so I sent you the copy that I filed.
Sincerely,
****************Business Response
Date: 07/25/2023
Mr. ***** claims it can take up to 30 days to get the official report. We understand it may take several days to obtain an official report. Once Mr. ***** obtains the official police report, we request he provide a copy of it to our fraud department at ******************************.
As we are awaiting additional documentation, we consider this complaint closed. If Mr. ***** has any additional questions regarding this response or obtains the requested supporting documentation, he may contact the email address indicated above.Customer Answer
Date: 07/27/2023
Complaint: 20318147
I am rejecting this response because:
You cannot close a complaint while Im waiting on the documents you have requested.
Sincerely,
****************
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