Consumer complaint received 2021-10-08
Company: ACIMA CREDIT, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2021, I met a man through a dating app site who turned out to be a scammer. He successfully scammed me of all my savings and had me max my credit cards. In addition, he had open a payday loan and a lease with XXXX XXXX XXXX. 

The loan with XXXX XXXX for a cash price of {$700.00} plus interest was a total of {$900.00} was reasonable and I was able to pay it off after he ghosted me. 

However, the loan from XXXX XXXX XXXX opened on XX/XX/XXXX is a nightmare. It's through Acima lease with a cash price of {$3900.00} and cost of lease service at {$4600.00}, making a total of {$8600.00}. 
They used to take {$170.00} from my account every week and they opened this credit line for me with the knowledge that I did not have a job or any means of income. 

I called Acima on XX/XX/XXXX, once I understood that I had been scammed to let them know about the situation and that I had to report to the police. I was advised to send the police report, which took weeks, and on XX/XX/2021, when I finally got the report I sent it to Acima. On the XXXX of XXXX, they wrote me saying they did not consider it fraudulent based on the report, therefore I was still responsible for the loan. 
I responded to them the same day asking for help with the lease and advising them that I had no income coming in as unemployment checks were going to stop coming in, also gave them the option of telling the store to go get their products back as they have the vehicle information. The response I got on the XXXX of XXXX was to dispute it on XXXX, which I did today XX/XX/2021 and still waiting on their response. 

Eventually, On XX/XX/XXXX, I had to block them from my bank account as I was not allowed to remove my account from autopay. Because I blocked electronic checking, they used my debit card ( did not realize they had that information, I believe it was when I had to pay the {$56.00} fee when the account was open ) on XX/XX/XXXX, to charge my account making it go red, which defied my reason for blocking them in the first place. So I am currently disputing that with my bank submitted XX/XX/XXXX, which has made my account current for now and had my debit card blocked as well, as we speak they are still trying to charge it every single day since XX/XX/XXXX and got my bank thinking my card was stolen and blocked my card on the XXXX of XXXX. 

When this man pressured me to open this account, I did not think the lease will be opened giving that I did not have a job, equity, or investment but, they did open it anyway with the scammer at their store and myself at home. I did the signature online and had to pay a {$56.00} fee for some reason. At the time, I felt that this man was going to pay this lease and give me back all the money owed. 

So far I have paid them {$1500.00} and, I am at my wit 's end cause at the moment I am XXXX and can not work ( still waiting on XXXX application ). I have absolutely no way of paying this lease, this is more than 100 % interest just for some wheels!

Company response to consumer: Closed with explanation