Consumer complaint received 2023-01-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC (FL)

On XX/XX/2022, I went and applied for financing at XXXX XXXX in XXXX, Fl. I was approved for financing through a company called Acima for their leasing. On XXXX XXXX, the furniture was delivered and assemble. I contacted XXXX XXXX concerning the furniture as some items were damaged and some items were not working correctly. XXXX XXXX created a ticket number for me and advised me that a technician would come out to review the items. On XXXX XXXX XXXX requested photos of the items and issues in question. I submitted the photos as per their request. On XX/XX/XXXX, I contacted Acima at XXXX, and asked what my options would be concerning returning the furniture. At which time, the representative stated that XXXX would advise that they received the furniture and I could pick out another set. I asked about having to repay an initial payment, to which the representative stated that I would not. I contacted XXXX XXXX on XXXX XXXX requesting that I return the furniture and try to find another bedroom set. On XX/XX/XXXX, XXXX XXXX had still no approved my return. On XXXX XXXX my return was approved and the earliest the furniture could be retrieved was XX/XX/XXXX. On the XXXX, The furniture was retrieved and i spoke with a representative in customer service who stated that Acima would be contacted and made aware of the return so I would not be billed. Acima was made aware of the retrun items and did not process the return and lease cancellation until the XXXX of XXXX After attempting to draft my checking account for {$480.00} dollars causing the account to overdraft and be billed an nsf fee {$29.00}. I contact Acima concerning this and spoke to XXXX in " Resolution Department '' concerning the overdraft fee. XXXX quite eloquently stated that there's nothing they can or will do. I asked to speak with someone that would help like a manager. XXXX stated that it wouldn't make a difference as she would tell you the same thing. I asked to speak with the manager regardless and was placed on hold. After being hung up on, reaching back out, and waiting XXXX minutes, I spoke with someone that was able to transfer me to a manager and also advised of XXXX 's name. The company does not have any additional identifier so I could not get an ext or last name for XXXX but did verify he was the only XXXX in Resolution Department. I spoke with XXXX who is a manager of " Resolution Department '' who advised me that there was nothing they could do. They had a signed Lease on file prior to the return that authorized them to pull the funds out of the account regardless if I had returned the furniture since the return and cancellation of lease was not processed until after the billing date and on the XXXX of XXXX She also stated that I did not speak with Acima , Until the XXXX and there are no records of me calling prior. Which is a blatant lie. She stated that She was not going to do anything further. I asked for an extension or other identifier and she stated that I was already advised of that by the previous representative. I stated I wanted to make sure and XXXX stated I heard you ask my previous rep that question so you already knew that. Acima " Resolution Department '' was extremely rude, and decided to bill an account even though XXXX XXXX received the bedroom set on the XXXX, notified Acima and they decided to take until the XXXX to process and even if that was not the case, instead of treating a customer with respect and actually assist, they were just rude and pompous.