Consumer complaint received 2021-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC (MD)

i went to XXXX XXXX to purchase two black leather-like sectionals in XXXX XXXX  i was told that they would be delivered two weeks later but only got them a month later. when they arrived, they were dry-rotten and damaged. i called to report the matter to the store manager located in XXXX Md. At the time, i was told that due to covid, they did not have anyone to come and take away the damaged furniture but in the meantime, we have to hold it in my home. we were not able to use the furniture at all because of the damage and i called again in XXXX to see if my furniture will be replaced. i was told by the manager that they are having a hard time finding my replacements. I was told that because of the matter, they will not start taking money from me until i get my furniture. By the time my sister passed away, i had to host the family with no where for anyone to sit and i had to rent fold up chairs for the family because the furniture took up my living room and could not be used. The holidays came and still no furniture yet by late XXXX, Acima started taking money from my account without any warning or replacement of my furniture. By the third payment in XXXX, i called and did not get a hold of the Supervisor of the store and the employees were giving the run-around. I also called Acima and did not get a call back though they claimed that they did call and never got a response By XXXX, I called again and towards the end of that month, i was told that they found a set for me. When it was delivered, it was the wrong sets entirely. Not even the same color or material. i waited another three weeks for them to come and get the wrong set because once again, they said that they did not have drivers to come and get the wrong set. Finally in XX/XX/XXXX i spoke to Acima, who by now had still been getting their payments. My debt at the time of purchase was just for roughly {$1200.00} for both sectionals which were about {$600.00} a piece. i was told by the employee on the phone that since i have had so much problems and issues with the purchase and also because i was being charged in XXXX of XXXX going forward, i should be done with paying for the furniture by the end of XXXX and at the latest early XXXX. i was being charged {$110.00} every two weeks and it was being drafted from my bank account because they say that is the only way i can make a payment to them. i asked about the 90 day rule and she told me that i have already paid a great deal and due to what has been going on, i iwill be paid in full which actually meant that i would have paid them a little over the overall bill. i got the replacement furniture by the end of XXXX as well. some time in XXXX, i was paying bills and noticed that Acima was still taking money out of my account unauthorized at this point because it is well past the paid in full point. i called Acima and someone in the accounts office told me that because i did not pay everything in full with cash in 90 days, they can collect money out of my account for the rest of the year. i asked to speak to several Managers with the understanding that someone will provide resolution and reimburse the extra money taken but i did not get a return call which i was told would happen by the end of that day. To date, Acima is still taking money out of me and i can tell that someone did go and review the account but in stead of stopping the payments, they readjusted the amount being taken and is now collecting that new amount out of my XXXX XXXX XXXXXXXX account. I am still paying for funeral costs and other emergencies and this money is causing a real hardship for me to take care of other important things like filling my prescriptions and putting food in the house for my family and my retired mother. 

please help me stop this very illegal practice and return my money that they have collected past the month of XXXX XXXXXXXX i will be sending a letter to my legal council and to my state representative as well as congress person for assistance if you are not able to resolve this matter. it is my belief based off of the attachments to this complaint that they are trying to collect twice from me or get me to pay what they approved me for when i only used {$1200.00} of the {$2700.00} that they initially approved me for but when the final bill of sale was first given they had a total of {$2900.00} they were trying to collect from me. i was constantly reassured that due to the furniture issue since XX/XX/XXXX that did not get resolved until XX/XX/XXXX, i will only have to pay what was on my bill of sale.