Consumer complaint received 2019-06-01
Company: ACIMA CREDIT, LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I went to get my car fixed at a business in XXXX, NC. The price jumped on me when unexpected issues was needed to fix my car. That price climbed up too {$1300.00}. I was offered by the mechanic working to the company Acima. I applied and was accepted. As soon as I was accepted I took the it and I was able to get my car fix. That was the 1st email I received confirming the transaction and at the bottom a link to the lease contract was their but was unavailable after that day and the lease was not on the website either. That day I contacted Acima credit whom I was never able to reach on the phone but through a chat that disappears afterwards hiding the conversation from the customer. I told them I was doing the 90 day buyout and I was not paying for 12months. My payment method changed and I began to pay the 90 day rate per month. XXXX was the month Of the 90 days. It is required to do auto payment I was told and they deducted from my account. On XX/XX/XXXX I received an email saying insufficient funds on my account. I reached out to the company on the instant message chat to make a payments to finish the buyout and was told I could no longer do that. Even though I was paying the rate of the early buyout plan. In the conversation I was told I couldnt do it and to look at my lease which I never had access to at all!!!! After messaging the guy explaining how it was a rip off to need {$1.00}, XXXX but be charged {$2400.00}. After arguing with the guy over not paying he said that I could pay on XX/XX/XXXX and I could buyout on the XXXX amount. He than recanted saying I cant. I ask for a manger which said my payments did not go through but I wasnt notified about it until a month later threw the 6th and finally email ever received. I feel like i wasnt notified to push me into the 2nd buyout paying 35 % of the total amount. I asked for her supervisor which after discussing with her how I felt she told me I could do a settlement if I payed the remaining of the {$1300.00} and that I had until XX/XX/2019 to decide. She said that after doing the settlement that they would report it to XXXX as a settlement essentially putting my credit score in jeopardy. I called back to ask for documentation to overview the settlement offer over the weekend, speaking to a new women because I was told the supervisor was busy. She said I couldnt be provided any documentation and that I had to decide on the settlement that very moment on the phone on XX/XX/2019 and not be given the weekend to think over even though the she was a manager and the supervisor had told me something different. I was given no documentation to look at. The manager told me that manager and supervisors have the right to change the settlements offers whenever they want. After hearing that I knew something was definitely wrong and said I will call Monday to speak to The supervisor. Before Monday during the weekend Im writing this complaint. I finally received my lease on XX/XX/2019 after having to request it several times and read the foolery that Leasing contract is. This has to be illegal or unethical to charge people these amounts with the lack of communication to customers and misinformation from employees as well as a horrible website that does not provide the lease contract to be seen. I was misguided and lied too from several employees on multiple aspects regarding my lease on my options to pay and employee agreements. The lease agreement is a ploy How can you rent rotors for my car?? How can you rent maintenance labor that added to the price of my payment e?? Its a scam and a lie to play customers by getting threw the system.

Company response to consumer: Closed with explanation