Consumer complaint received 2021-05-25
Company: ACIMA CREDIT, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I was approved for a consumer loan with Acima Credit on lease # XXXX ( Exhibit 1 ). Upon approval of the loan, I was authorized to select the wheels of my choice with XXXX XXXX. I choose the XXXX XXXX  XXXX. The wheel and tire package came up to XXXX of which Acima financed XXXX of the total cost and the remainder I paid in cash which left me with an early " buy-out 90 day '' option for XXXX ( Exhibit 2 ). I was told the XXXX was for processing fees. I agreed to the contract and decided to do the early buy-out program as I stated on the phone. I order my Wheels from XXXX XXXX XXXX Exhibit 6 and 7 ) and worked with XXXX the Sales Rep to get approved through Acima since XXXX XXXX refused to work with XXXX XXXX even though I initially got approved through XXXX XXXX was very responsive initially until all paperwork was signed and money was secured. Upon follow up with XXXX just to confirm that the lugs and badges for the wheels were sent it took XXXX several days to get back with me. Once he got back with me he told me that my lugs would be mailed out the next day. Weeks went by and my wheel final arrived. Upon arrival I noticed damage on the face of the wheels. I then when back to a few photos that XXXX sent me prior to mailing my wheels and noticed the neglegence displayed when mounting my wheels with the tires. The photos show ( Exhibit 3 ) the wheels laying on their face on the bare concrete. I called XXXX back to explain the damage and to also explain that the wheels XXXX sent me were not the correct fitment that we agreed on and the wheels were very damaged upon arrival. I asked him to refer to the photo ( Exhibit 4 ) we both agreed on that I sent him to confirm the fitment would sit inside the finder of the SUVXXXX XXXX then stated that instead of returning the wheels, he would offer me the difference to have the wheels refinished if I just kept them instead of sending them back. I hesitantly agreed with him but wanted to resolve the issue. Before the shop had a chance to install the wheels, I took them straight to the XXXX XXXX in XXXX XXXX to have them refinished. I was told the cost to refinish the wheels would be XXXX. I then contacted XXXX via text ( see JPG files for text conversation and confirmation the merchant knew they did not fit and dismissed it as simple cosmetics ). XXXX offered me XXXX and told me that was the best that he could do. Despite the money falling short of covering the damage cost, I took the refund and applied all of it in addition to another XXXX to get the wheels refinished. Once I got them refinished, I was ready to have them installed at the local XXXX XXXX. I went to XXXX XXXX to have them installed and XXXX weeks later still did not send the lugs to attach the wheels to the vehicle. I decided to pay XXXX XXXX for a set of lugs to move forward with the process after allowing my SUV to sit for several days waiting on XXXX to send the lugs. Once the wheels were installed, the rep for XXXX XXXX called me to inform me the wheels did not fit and stuck out beyond the front finder and they rub against the side of the wheel well when you turn. In addition to that, the rear wheel and tires would hit the finder during the SUV lowering to access and cause the SUV to raise up above access level to clear the finder. I contacted XXXX to let him know that I need to send these wheels back since they do not fit and he told me that they do fit and do not contact the finance company. I decided to contact the finance company to make them aware that I still have not receive the merchandise that I order. I was told by the finance company Acima that the merchant Said they do fit and there is nothing they can do despite seeing the picture they requested I send in to resolve the issue. I was told that I either had to donate the merchandise or to keep it and pay a settlement cost since I was not satisfied with the merchandise. Since I had no choice but to purchase merchandise I can not use, I chose to take the settlement amount of 3 payments of XXXX of which I made the first payment on time. In addition to that I was charged XXXX for my first payment which should not have been approved until the dispute/resolution was complete. Not one time was I told that if I accepted the settlement amount despite me making all payments on time, Acima would report Negative to my credit report despite Acima forcing me to accept merchandise that I did not order. I am in the process of purchasing a house and the negative rating Acima sent to my credit has now placed my purchase in serious jeopardy and all I have done is do the right thing by Acima. This is fraud from several difference perspectives. 1. I can show the early buy out offer at XXXX and that is after I made my first payment. 2. My credit report on the XXXX of XXXX showed two accounts from Acima, one showing closed with 1 on time payment and the next month a closed status with a note of settlement paid in full for less than amount owed. The second account reported showed open with the balance of XXXX which is the balance of the agreed 3 payments of XXXX. After I called yesterday, I checked my credit report today and the second account with the balance of XXXX just disappeared. Now the report shows the account has been closed paid in settlement for less than amount owed and has been closed. I tried to resolve this with Acima by offering to pay of the remainder balance of the XXXX in exchange for Acima updating my credit profile to reflect accurately. The head person at Acima refused to accommodate me and insisted that I pay the money with no guarantee of correction. Acima is committing fraud by reporting my information to the credit bureau incorrectly and allowing a merchant to add additional charges to the total bill. I have pictures, text messages and emails that I will attach to validate all statements in this letter. I would like to get this resolved before the 90 days as they will use that against me to go after a 25 % interest rate to lock me into almost XXXX owing them. I have screen shot of my credit report as of today XX/XX/25 that will show that I have satisfied my debt with Acima according to them and I have no money owed to them. Acima report all money owed but for some reason they are not reporting the last two payments. There has been some fraudulent activity with Acima and my credit profile is being changed on the fly each time I complain. Can you please investigate the fraudulent reporting and fraudulent charging to the customer. Lastly, I would like all money refunded back to me as I have no use for the merchandise and my account status with Acima closed with no negative rating associated with it.

Company response to consumer: Closed with explanation