ACIMA CREDIT, LLC

2018-04-25

Mabank, TX

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Installment loan

Complaint: signed up for a payment plan, I was told by the sales person that if i was approved i had the option of paying in 3 months no interest, but if i wasn't done paying in 3 months, I would just have to make monthly payments until the balance of my item was paid off including a small interest rate. I called to check my balance since the item I purchased was only about {$600.00}, and I have been making XXXX payments for the last 6-7 months. I was told that my current balance was over {$1000.00}. I asked the phone representative how was that possible if that wasn't what I was told. He said well did you read the agreement, I told him no because I wasn't allowed to read it by the sales person. The sales person handled everything for me and only had me sign once everything was complete. I wish I would of read all these bad complaints before because it seems it has happened to a lot of people in a similar manner. It makes it seem like they all omit the contractual obligation since i don't think anyone would actually agree to a 100 % interest rate.
Company Response: Closed with explanation

Timely Response

2018-04-23

MI

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: On XX/XX/XXXX18 I received a report from XXXX XXXX that fraud activity was showing up on my XXXX credit report. Upon further investigation, Acima Credit was contacted my myself and they denied any info in my name or SS #. I printed a credit report from XXXX and found that XXXX XXXX XXXX in XXXX FL made an UNAUTHORIZED inquiry of my credit report on behalf of ACIMA Credit. I called the police to make a identity theft fraud report to send to XXXX to back up my claim. Acima was NO help at all!
Company Response: Closed with explanation

Timely Response

2018-04-20

Chicago, IL

Problem when making payments

Payday loan, title loan, or personal loan: Personal line of credit

Company Response: Closed with explanation

Timely Response

2018-04-14

Detroit, MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: Acima is still trying to collect a debt that discharged in Bankruptcy.
Company Response: Closed with explanation

Timely Response

2018-04-04

Brewington Wds, IN

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-04-01

Jacksonville, FL

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Installment loan

Complaint: First off the Company is based out of Utah and has a local Utah number of XXXX.Well I been getting calls from the Acima from a XXXX area code which is a Florida area code spoofing their calls so I can answer my cell phone.When I went on the F.T.C. Website, its illegal for them to this.Other people have sued company in the past for this illegal practice.Also im being charged extra fees that I wasn't aware of and when I asked about the charges to a customer service Rep I was advised that it doesn't matter since im already behind on my payment. XXXX. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to -- ( A ) lose any claim or defense to payment of the debt ; or ( B ) become subject to any practice prohibited by this subchapter. ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. ( 13 ) The false representation or implication that documents are legal process. ( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. ( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. ( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title. 15 USC 1692f 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. ( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. ( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. ( 7 ) Communicating with a consumer regarding a debt by post card. ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. 15 USC 1692g
Company Response: Closed with explanation

Timely Response

2018-03-20

Clermont, FL

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Company Response: Closed with explanation

Timely Response

2018-03-15

Ft Myers, FL

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: XXXX Friday, 2017. I went to purchase a new couch. Was told 90 days, no pre-payment penalty. No credit checks, no harassment. 1 monthly payment.. You can pay it off at anytime. {$850.00}, not a penny more I was told.. signed and written by the store 's owner/general manager. XX/XX/XXXX the couch was delivered after paying the {$42.00} first required payment. XX/XX/XXXX, I see a deduction from my checking account for {$78.00}! XX/XX/2017 Withdrawal ACH SIMPLE ACIMA XXXX I was like? Excuse me, hold up! Whats this? Less then 10 days ago, I was delivered the couch and was told once a month around the XXXX of the month. So I called, they apologized. It was set up for bi-monthly. I see you owe $ XXXX! WHAT?? I agreed to {$850.00}. oh, we see that, but thats not calculating our finance charges and lease agreement fees. I was clearly told 90 days, {$850.00} within the 90 days. Not {$1700.00}. So one XX/XX/XXXX I raised XXXX with the company, and verbally asked them to cancel this out. Close the account, I aint doing all this. I was told, I must put it in writing I can email it too them. So I did. I've emailed them XXXX times since XX/XX/XXXX, all asking the same thing. CANCEL this out! Well, XX/XX/XXXX, they attached a lease for the {$1700.00} to my EXPERIAN credit! I've tried 3x 's disputing this through XXXX. Was told, I needed to contact you all. The company refuses to cancel this out. The company wants 40 % of a lease amount, I never agreed to pay, for them to pickup the product. Company refuses to cancel this out. Company refused to debit my checking account once a month, as agreed upon! Company refuses to talk with me. Company doesn't care what the store promised me, thats not on them. Company still is harassing me with " we will post this as derogatory onto your credit '' ( ALREADY HAVE ) We will charge this off. Company ignores every request to pickup couch without my agreement to pay 40 % of the " leased '' amount! I'm not paying $ 700+ when all I should of paid was {$850.00} over the last 3 months. I called to get this resolved over 17 times since XX/XX/XXXX. Told I needed to speak to collections and respond via email. Only responses I get from them are generic.. See below. ( Dear XXXX XXXX, This letter is your FINAL NOTICE to resolve your PAST DUE account with Acima Credit or your account will be CHARGED-OFF. We have made repeated attempts to contact you regarding your past due status, but as of the date of this letter, we have been unable to resolve this matter. If you are unable to cure the past due renewal payments, we must make arrangements to collect our property. If you still want to keep our property, we need to come to an arrangement regarding the outstanding rent due, and future renewal payments. Please contact XXXX XXXX XXXX at XXXX XXXX XXXX XXXX immediately to settle your account, or set up payment arrangements to bring your account current before your next scheduled renewal payment is due. Acima has reported your delinquent account status to XXXX, and other credit reporting agencies. By curing your delinquency, you may ease the negative effects of non-payment and prevent further damage to your credit. Please contact Collections and Recovery at XXXX XXXX XXXX XXXX immediately to set up payment arrangements to bring your account current before your next scheduled renewal payment is due. If this matter has already been resolved, please disregard this notice. Sincerely, Acima Credit XXXX XXXX XXXX XXXX This email was sent by Acima Credit LLC ) I respond.. I have made numerous responses, since XXXX to have you all CANCEL this contract & PICKUP your couches. PLEASE DO SO! If you all had respect, or customer service, you'd return a phone call or would of responded to the numerous requests I've made asking for " management '' to call me. Their automated response ... To Whom It May Concern : You have received this email because you requested a pick-up of the leased merchandise listed in your Lease-Purchase Agreement with Acima Credit. In order to initiate the pick-up process and discontinue payments on your account, please do the following : 1 ) Send pictures of all the merchandise to XXXX 2 ) Include all your contact information in the email Acima will contact you within 72 hours upon receipt of your email during the business week. If Acima initiates a pick-up, please be aware that you will be responsible to pay the Minimum Lease Term of 60 days, any Other Charges due ( as stated in your Lease Agreement ), and any past due balance of your account. Thank you for your business. Regards, Acima Credit -- Again, I only agreed to {$850.00}, over 3 months.. Not the harassment on my credit. The refusal to comply on their end. I'm not paying a dime more then {$850.00}, which I'm willing to do, the minute the company agrees to remove all the BULL XXXX from my credit. I still don't feel the need to even do that, when I, within my right to cancel requested this to be cancelled. But the companies refusal only shows their willingness to XXXX me, and what has to be others like me. PLEASE HELP!
Company Response: Closed with explanation

Timely Response

2018-03-10

Federal Way, WA

Threatened to contact someone or share information improperly

Debt collection: Other debt

Talked to a third-party about your debt
Complaint: On XX/XX/17 I received an email from the collections department of Acima stating that my payment was in default, this email illegally disclosed my debt to multiple third parties as this was a chain email sent to multiple customers and I'm turn disclosed these customers debt to myself, without their permission or knowledge.
Company Response: Closed with explanation

Timely Response

2018-02-15

VA

Problem with the payoff process at the end of the loan

Payday loan, title loan, or personal loan: Installment loan

Complaint: Was told on XX/XX/XXXX that my remaining balance was {$790.00} + tax. I missed one payment, but two other subsequent payments were made. It is now XX/XX/XXXX and I asked what my final balance to pay off was, and was told it was around {$760.00} ( could not copy because the agent closed the chat before I could ; agent name is XXXX ). They failed to tell me why my balance has not changed and where my money is going. I have chat logs to verify this initial balance. I literally just want to pay this remaining balance and get them the XXXX out of my life. Apparently, it costs me stress and an additional $ XXXX EVEN AFTER I'VE BEEN PAYING SINCE XX/XX/XXXX FOR NO XXXX REASON!!! I'VE MISSED XXXX XXXX PAYMENT. HERE is the kicker. It's been less than a month and they reported it to COLLECTIONS. YES, FOR XXXX XXXX PAYMENT THAT IS LESS THAN A MONTH OVERDUE. XXXX NEEDS TO BE DISMANTLED AND PENALIZED.
Company Response: Closed with explanation

Timely Response

2018-02-12

Cheverly, MD

Problem when making payments

Payday loan, title loan, or personal loan: Installment loan

Complaint: On XX/XX/XXXX I did a in store finance with XXXX XXXX of XXXX financed through acima. I went to pick furniture up XX/XX/XXXX from store where I purchased my own personal XXXX ( {$120.00} ) and got home and realized 3 main pieces of the bed where missing. I reached out to the store and they told me it would b at least 2 weeks to locate the peices. I then asked for a product reduction in cost or for them to deliver the missing peices and was denied. I then spoke with the financial company acima and after they could not get in contact with the furniture store and they had no resolution the supervisor told me I would not b charged for the furniture that I never 100 % received .i waited a additional 2 1/2 weeks spoke briefly in XXXX and still no resolution was found. I told them I didnt want to go Thur with the purchase and the supervisor ensured me that the furniture store would b held accountable for the furniture. XX/XX/XXXX I discarded the furniture not hearing anything else from either establishment and Now XX/XX/XXXX acima is trying to charge me for the Little peices I did throw out after I was instructed that I would not be charged. I spoke with XXXX from customer relations and I even asked her what would she do in this matter and she told me she as well would have done the same thing. It was 3 months until the peices arrived at the furniture store and the old peices had literally been sitting n my home well over 2 months which is rediculious. I even went the the XXXX to fix this situation and they would not respond as well after attempting.
Company Response: Closed with explanation

Timely Response

2018-02-11

Damascus, PA

Unable to get your credit report or credit score

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Other problem getting your report or credit score
Company Response: Closed with explanation

Timely Response

2018-02-07

Eastchester, NY

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Personal line of credit

Complaint: On XX/XX/XXXX, i went in to finanve 2 pairs of prescription eyeglasses for my daughter. The merchant explained the the process while submitting it online. I gave my information and told me that i would get a text message and to give her so that the application could be submitted, which i did. Everything came to {$1100.00}, {$50.00} which was the application fee. I got my merchandise, she printed the agreement and i went my merry way. She did not explain all the terms to me.On XX/XX/XXXX, called and was shocked when i was told that i owed {$2300.00}. I inboxed XXXX through XXXX and this following is what i was sent. There is no way that i would have agreed to this had this been explained to me .This is our XXXX messenger communication " This place is horrible. The merchant did not tell me i had 90 to pay off anything. Bought 2 eyeglasses XXXX. Now I'm being charged XXXX because it said i didn't pay off by XX/XX/XXXX. Thats double the price plus some. I've made XXXX in payments to learn i have 12 more payments to go. Would never have agreed to this had i known. Seriously XXXX for 2 eyeglasses. '' " I'm sorry that the merchant did not explain all our terms to you. We are a third party company that handles the financial side of the contract. We provide the lease agreement breaking down all our terms since the merchant is not the financial institution, they will not be the ones who know our terms. You did sign the lease agreement that breaks down all the costs. As well as received a text message on XX/XX/XXXX that explained all the amounts stating " Congratulations, you signed your Acima Lease : - Lease # : XXXX - XXXX Buyout XXXX : {$1100.00} - Pay Freq : every-other-week - Pay XXXX : {$88.00} - Est. 1st Payment : {$88.00} - 12 Mo. Payment XXXX : {$2300.00} Call Acima at ( XXXX XXXX XXXX XXXX with any questions '' I snapshot the communication I had with XXXX and uploaded them. Sorry for them being in pieces.
Company Response: Closed with explanation

Timely Response

2018-02-07

Austin, TX

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Installment loan

Complaint: XX/XX/XXXX I went to a furniture store called XXXX XXXX XXXX in XXXX, TX Around the the date of XX/XX/XXXX. I was sitting on some couches as they were helping my Daughter who had bought some furniture, a employee gal by the name of XXXX approached me and stated that the store had a deal going on for 6 months no interest the price of the couches were {$3400.00} with Tax {$3900.00} with a 5 year warranty included. I put {$1000.00} down with a remaining balance of {$3000.00} she told me the payments would be $ XXXX/month for 6months I agreed to this term 6 months no interest. I haven't to this day received a signed contract from XXXX XXXX XXXX or XXXX XXXX XXXX. On XX/XX/XXXX I was going through our business account and noticed that XXXX XXXX has continued to take money for my account even after our 6 months as we agreed with XXXX XXXX XXXX. On XX/XX/XXXX I went to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX TX XXXX and spoke with the owner XXXX XXXX in person.I advised XXXX XXXX about XXXX XXXX and that neither XXXX XXXX XXXX or XXXX XXXX ever gave me a contract of my 6 month no interest.I advised XXXX XXXX that on XX/XX/XXXX I received a call form a gentleman just wanted to know if I was receiving my couches on that day and I stated yes, but I was informed later that same day that my furniture would come at a different date and that XXXX XXXX XXXX would contact me when the furniture arrived at the store which XXXX XXXX XXXX did call me that the furniture had arrived days after our agreement. XXXX stated that XXXX was a new employee at the time and that she didn't know that the 6 months no interest wasn't available at the time.I advised XXXX that I only agreed to purchase the couches based on the 6 month no interest and that I was cear that I didn't want to pay interest.He told me to contact XXXX XXXX XXXX directly since they financed the couches and to let them know what had happened.XXXX. XXXX also stated he has had numerous complaints from clients about XXXX XXXX XXXX also known as XXXX XXXX about not sending customers contracts and charging clients double the amount agreed. I contacted my bank about the withdraws and they gave me the number to call XXXX XXXX XXXX since I had no info on XXXX XXXX XXXX. On XX/XX/XXXX I contacted XXXX XXXX XXXX and advised them of my situation and the gentleman that I talked to told me he couldn't do anything since I had signed 12 month lease and that the loan was for {$6600.00} and I signed a contract with a code number they sent me. I told him I never received a contract from XXXX XXXX XXXX or XXXX XXXX XXXX only my receipt for the {$1000.00} down and the balance of {$3000.00} He was no help so I requested to speak with his supervisor XXXX in which see refused to give me her last name due to security reasons. I told XXXX my situation and she stated she couldn't do anything that my balance was still {$1000.00} that I had signed a contract by a text code sent to my cellphone and that my signature of the contract was by a text message.I have never heard of such a thing she also stated hat they had emailed me a copy to my email in which they had an incorrect email. I corrected my email with XXXX XXXX XXXX. I demand a refund of the extra money withdrawn from my account in the amount of {$3500.00} and I demand that XXXX XXXX XXXX report to all 3 credit Bureau 's that we are in good standings and that we paid in full as agreed. I don't know if sending a code number as a legal way of signing contracts.If it's even legal or not but not providing a contract before using a code is also not legal. I would stay away from doing business with XXXX XXXX XXXX and XXXX XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2018-01-22

Indianapolis, IN

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Personal line of credit

Complaint: I purchased some tires and rims from XXXX for XXXX 90 days same as cash i went past my 90 days by 2 or 3 weeks i paid XXXX plus to my XXXX balance when i called XXXX XXXX i asked for a pay off and was willing to pay but i was told since i went pass my 90 days i would have to go the full loan which would be another XXXX dollars over the next 8 or 9 months that is not fair my balance should have been XXXX to XXXX dollars i was willing to pay cash i will not let them continue to take XXXX by weekly out of my account i tried working with them but they want to make me go the full term.
Company Response: Closed with explanation

Timely Response

2018-01-18

Bronx, NY

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-01-11

Damascus, PA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information is missing that should be on the report
Company Response: Closed with explanation

Timely Response

2018-01-10

Daytona Beach, FL

Problem with the payoff process at the end of the loan

Payday loan, title loan, or personal loan: Installment loan

Company Response: Closed with explanation

Timely Response

2018-01-04

Lewisville, TX

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: I purchased 3 mattresses with XXXX XXXX in XXXX Texas for {$1200.00} on XX/XX/XXXX. I just finished making last payment of {$100.00}. When I finished paying XXXX XXXX, the total amount ended up being {$2500.00} ( which is totally outrageous ). Never received any emails or calls from the until today. I got a phone call onXX/XX/XXXX and then a email followed shortly, stating that my account was past due and they had attempted to contact me several times. In the email, it also stated that if a payment was returned the fee would be XXXX and I will definitely admit to my account was overdrawn from XXXX. But logging on to to the website and speaking with two different Reps with Acima they started I was being charged XXXX since my payment was returned and that since my payment was due on XX/XX/XXXXXXXX. I was being charged XXXX and that I had 4 days to pay that amount before my credit would be affected. I do n't think it 's fair that they are able to overcharge me for the returned payment which I planned on taking care if but the extra fees on top of I paid XXXX extra ... .please help me.
Company Response: Closed with explanation

Timely Response

2017-12-31

Memphis, TN

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: XXXX XXXX XXXX XXXX is not licensed with the State of Tennessee Department of Commerce and Insurance to collect on alleged debts in the state of my residence, Tennessee. I have attached proof of this as of XXXX XXXX, 2017 from the official website, tn.gov
Company Response: Closed with explanation

Timely Response

2017-12-22

Loganville, GA

Took or threatened to take negative or legal action

Debt collection: I do not know

Sued you without properly notifying you of lawsuit
Company Response: Closed with explanation

Timely Response

2017-10-19

Detroit, MI

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act XX/XX/XXXX, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorised representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act XX/XX/XXXX and what actions s/he has taken in relation to this account. NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT
Company Response: Closed with explanation

Timely Response

2017-10-11

Oxford, GA

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Installment loan

Complaint: I walked in to XXXX XXXX XXXX XXXX and picked out a coach, two dresser and a sectional which came to {$1500.00}. I was offered a sale price because the business was closing and told that with {$40.00} down I could setup delivery for the items and make installments for XXXX until the balance was paid through a company they used for financing called XXXX XXXX. I paid the XXXX dollars and applied on line at the store. I was approved for much higher then I needed but only purchased the items I picked out. I received an email to approve the transaction of XXXX bi weekly and was asked for my bank account information. apparently there was a 90 days same as cash option that they interest rates would have cost me an extra XXXX dollars after that and continuing to make the bi -weekly payment it would cost me another 1500 dollars plus. I contacted the company about a week ago to say Zi should have paid this off a long time ago and they told me there was no credit that the exact amount I had paid prior to my inquiring about the over charge was all of a sudden the exact amount I owed once you add the XXXX dollars I paid originally. The company was XXXX XXXX and they change there name to Acima. There was no message sent to me about the hike after the 90 days. I asked for proof by way of signed docs that I was aware of the hike and Acima sent my a non digital stamp pdf format made up signature that was not handwritten or date stamp for when you do an electronic signature. The correspondence emails and statement of accounts are attached. This was definitely a scam from the store sales person to the finance company. I paid for the furniture twice and gave a tip.
Company Response: Closed with explanation

Timely Response

2017-09-29

Detroit, MI

Managing the loan or lease

Vehicle loan or lease: Lease

Billing problem
Company Response: Closed with explanation

Timely Response

2017-09-28

Detroit, MI

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Timely Response