Consumer complaint received 2025-10-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I spoke with XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX, ( XXXX ) XXXX. She quoted me a XXXX tennis necklace and matching bracelet. We agreed that I would come to the store the next day to see it and apply for financing. On XX/XX/XXXX I came to XXXX XXXX, I tried the bracelet on and couldn't fit it, so I agreed to purchase the diamond tennis necklace ONLY. I applied for financing through Acima, lessor/owner on agreement says " ACIMA DIGITAL , LLC XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX Phone : ( XXXX ) XXXX | Online Portal : XXXX : XXXX '' Lease Number, XXXX. When XXXX originally got a quote from Acima, she told them I was purchasing a necklace and matching bracelet, but I couldn't fit the bracelet and she failed to update the quote/their system informing Acima that XXXX was only purchasing a necklace, this is what started the issues, in my opinion. My receipt from XXXX XXXX  only says " XXXX XXXX XXXX '' because that is all I purchased. Acima approved my lease and said my lease would be {$50.00} something a month, but then a week later I got an email saying it would be XXXX a month. I told them I also wanted to turn off AUTO PAY, they did turn it off, but I got an email saying they turned it back on. The price difference of what I was told in the store did not sit right with me and the inconsistency with this company was frustrating, so I called Acima on XX/XX/XXXX and asked why was I quoted one monthly price, but received an email stating another monthly price and why did they turn back on Auto Pay. They did not have clear answers to any of my questions and barely spoke XXXX. I told them I wanted to cancel the lease due to miscommunication, inconsistencies, and horrible customer service. They emailed me a return label on XX/XX/XXXX and told me I needed to return the merchandise first, then they would cancel the lease. I returned it and have proof of delivery XX/XX/XXXX. On XX/XX/XXXX, Acima emailed me stating " We received the chain but not the bracelet. As we do not do partial returns we will need you to send the bracelet as well. We can email a new label for that item. Let us know so we can proceed. Thanks! 
Acima Resolutions P : XXXX l F : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, UT XXXX XXXX | acima.com I informed Acima, I only purchased a necklace, not a bracelet. They said I need to have XXXX XXXX  contact them. I included XXXX on the email to Acima. " XXXX XXXX XXXX Jewelers, XXXX : XXXX. Please see the email below from Acima. I returned the silver diamond chain to them and they are stating that I should have a bracelet too according to their system/records. XXXX originally quoted me a silver diamond chain and bracelet, but I couldn't fit the bracelet and did not purchase it. Your store never updated ACIMA that I could not fit the bracelet, that I did NOT purchase it, and only purchased the chain ONLY. My receipt # XXXX ( see attached ) only shows a diamond tennis chain. ACIMA is requesting confirmation that I only purchased a silver diamond chain and not a bracelet as well. Please REPLY TO ALL confirming that I did not purchase a bracelet and that I only purchased the silver diamond chain. '' * * XXXX never responded to my email, so I sent a text message and called XXXX at XXXX, letting her know the issue, she said she would contact Acima to let them know she only sold me a necklace. XXXX confirmed she spoke to Acima, but as of today, I am still receiving harassing daily phone calls, texts, and email stating I have an outstanding balance with Acima. They won't close my account. I emailed them my store receipt proving I only purchased a necklace and they confirmed they received it back. I have spoke to them several times and emailed them. They keep saying I need to return the bracelet, but I was never sold a bracelet. XXXX XXXX has told them that as well. I don't owe Acima anything and I don't have any merchandise to return of theirs. I want them to close my account, my balance should be XXXX because I returned the merchandise, and I want them to cease from contacting me. I spoke with XXXX last week and they asked me why does Acima keep calling them about a bracelet. XXXX has the bracelet because I couldn't fit it, maybe they need to return it to ACIMA, I don't know, but that is between them, but I am being harassed.

Company response to consumer: Closed with explanation