Consumer complaint received 2021-07-09
Company: ACIMA CREDIT, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
All 4 Tires were contacted me on XX/XX/XXXX because I left my information on their website as I was curious about the {$1.00} down for automotive services. I requested brake pad replacement and oil change only. I just purchased this car XX/XX/XXXX with evidence of well cared for vehicle and maintenance. I took my car in because Im a little hard on breaks so I simply knew that I may need new brake pads. As Im trying to understand why its taking so long to get an estimate for only the services I requested, I became very frustrated and demanded my car back when they told me I needed wheelbhubs rotors and brakes!!! I demanded to release my from the lifted position it was in the manager came out to explain why it wouldnt make sense to fix the pads and seemingly waiting for someone or something not sure but I was tired of the back and forth after an hour or so to have them tell me they would be happy to give me a deal on wheel hub and oil change replacement for {$680.00} total. I was very confused and I agreed and they said there was a fee to start the service with ACIMA and I needed to pay. What I didnt realize was when I inquired about their services online ACIMA was the hidden hand to rent as I understood credit for services until paid. ACIMA REPEATEDLY THREATENED TO REPOSSESS THEIR PART AND ARRANGED PICK UP FOR AN ITEM THAT CAN NOT just be removed without replacement of my original wheel hub, so if they wanted their property back then where was my original DEALER WHEEL HUB and why wasnt I shown any reason for such services???? They were so careless at ALL 4 TIRES there was no identity concern for their services as long as you wait for a text that took 5 hours to respond to, thank couldnt see my vehicle while it was in the garage as majority repair shops escort customers to witness evidence of damage or negligence of a vehicle in danger. I received evidence of superior satisfaction maintenance history I was alarmed after taking my car in for these minor services to be threatened of wheel hub damage and that it didnt need brake pads also they told me that they didnt use XXXX so I declined on the oil change and to find out it was changed anyway once being handed a very amateur version of a service order. I was forced to get services similar to my inquiry but it was all in benefit of the disguised sponsor and the front magic to sell deception to innocent XXXX XXXX with her XXXX children in the waiting room for 5-6 hours not knowing how much business doesnt fear any regulation of laws being a threat to ANY BUSINESS BECAUSE IF IT WERE THEY COULDNT GET AWAY WITH THEIR PONZI SCHEME!!! Price gouging services totaling {$1800.00}. After ALL 4 TIRES removed my original property to claim for themselves, probably to sell or rent or finance to a more financially secure victim. However, I returned back in less than 2 weeks to tell them that I still hear the pad as the same before as if nothing happened when I come to a complete stop. When I went back to All 4 Tires I was told by the owner who met me in the parking lot as I turned in, to then rush back inside the office area prepared for confrontation as I parked to walk inside immediately asking him if I could witness the inspection of what was fixed, he insisted to get to the ground asking me where when it should have been known to aggressively alarm me that he can see the problem as he looked for damages knees on the ground in the parking space I parked in, deceptively and skillfully saying it wasnt under warranty and he was short staffed I could pay for the repairs of whatever he saw which he never communicated without ever placing the vehicle on the lifter, Im not sure what one is able to diagnose without a active body examination of problem or complaint. At this point I was furious and I threatened to seek legal help if he didnt do the due diligence of why I was complaining, I havent filed any legal charges against anyone for DESTROYING MY CREDIT FOR NEGLIGENCE AND TO MAKE IT EVEN MORE disheartening is that on XX/XX/XXXX I was warned and in threat of causing the motor to need replacement by XXXX XXXX XXXX attempted to perform an oil change and I was given an estimate to return when I could pay for the broken oil filter in denying the oil to be changed and an estimate of {$850.00}. I already had to replace and repair the wheel hub and and replace all 4 calipers because of the damage. My mother asked a coworker to repair my car on a installment of trust which took us 5 months to pay for the unexpected damages of {$2400.00} for wheel barring replacement, calipers, and I had to pay the dealer {$830.00} to replace the oil filter housing and oil leak damage. I have pictures receipts witness and on XX/XX/XXXX ACIMA DEBITED MY ACCOUNT FOR XXXX For an account that is charged off since last year and I spoke to a fraudulent source thinking a debt collector to settle my account for {$300.00}. I just want the right thing to happen to everyone involved PLEASE INVESTIGATE THE FRAUD ACIMA AND ALL 4 TIRES ARE DECEIVING THE ENTIRE TOWN WITH THE FIRST ADMINISTRATIVE CHARGES TO GET YOUR CARD NUMBER ALL TO NEVER GUVE YOU A BREAK DOWN BY ELECTRONIC PLATFORMS YOU CAN NOT ACCESS FOR A MONTH AFTER THEY HAVE STOLEN EVERYTHING!

Company response to consumer: Closed with explanation