Consumer complaint received 2018-03-15
Company: ACIMA CREDIT, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: 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 to consumer: Closed with explanation