Consumer complaint received 2018-02-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (TX)

XX/XX/XXXX I went to a furniture store called XXXX XXXX XXXX in XXXX, TX Around the the date of XX/XX/XXXX. I was sitting on some couches as they were helping my Daughter who had bought some furniture, a employee gal by the name of XXXX approached me and stated that the store had a deal going on for 6 months no interest the price of the couches were {$3400.00} with Tax {$3900.00} with a 5 year warranty included. I put {$1000.00} down with a remaining balance of {$3000.00} she told me the payments would be $ XXXX/month for 6months I agreed to this term 6 months no interest. I haven't to this day received a signed contract from XXXX XXXX XXXX or XXXX XXXX XXXX. On XX/XX/XXXX I was going through our business account and noticed that XXXX XXXX has continued to take money for my account even after our 6 months as we agreed with XXXX XXXX XXXX. On XX/XX/XXXX I went to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX TX XXXX and spoke with the owner XXXX XXXX in person.I advised XXXX XXXX about XXXX XXXX and that neither XXXX XXXX XXXX or XXXX XXXX ever gave me a contract of my 6 month no interest.I advised XXXX XXXX that on XX/XX/XXXX I received a call form a gentleman just wanted to know if I was receiving my couches on that day and I stated yes, but I was informed later that same day that my furniture would come at a different date and that XXXX XXXX XXXX would contact me when the furniture arrived at the store which XXXX XXXX XXXX did call me that the furniture had arrived days after our agreement. XXXX stated that XXXX was a new employee at the time and that she didn't know that the 6 months no interest wasn't available at the time.I advised XXXX that I only agreed to purchase the couches based on the 6 month no interest and that I was cear that I didn't want to pay interest.He told me to contact XXXX XXXX XXXX directly since they financed the couches and to let them know what had happened.XXXX. XXXX also stated he has had numerous complaints from clients about XXXX XXXX XXXX also known as XXXX  XXXX about not sending customers contracts and charging clients double the amount agreed. I contacted my bank about the withdraws and they gave me the number to call XXXX XXXX XXXX since I had no info on XXXX XXXX XXXX. On XX/XX/XXXX I contacted XXXX XXXX XXXX and advised them of my situation and the gentleman that I talked to told me he couldn't do anything since I had signed 12 month lease and that the loan was for {$6600.00} and I signed a contract with a code number they sent me. I told him I never received a contract from XXXX XXXX XXXX or XXXX XXXX XXXX only my receipt for the {$1000.00} down and the balance of {$3000.00} He was no help so I requested to speak with his supervisor XXXX in which see refused to give me her last name due to security reasons. I told XXXX my situation and she stated she couldn't do anything that my balance was still {$1000.00} that I had signed a contract by a text code sent to my cellphone and that my signature of the contract was by a text message.I have never heard of such a thing she also stated hat they had emailed me a copy to my email in which they had an incorrect email. I corrected my email with XXXX  XXXX XXXX. I demand a refund of the extra money withdrawn from my account in the amount of {$3500.00} and I demand that XXXX XXXX XXXX report to all 3 credit Bureau 's that we are in good standings and that we paid in full as agreed. I don't know if sending a code number as a legal way of signing contracts.If it's even legal or not but not providing a contract before using a code is also not legal. I would stay away from doing business with XXXX XXXX XXXX and XXXX XXXX XXXX.