Consumer complaint received 2026-01-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: UT

Complaint narrative:
My boyfriend and I purchased couches at Rooms To Go end of XX/XX/XXXX through Acima leasing. We were told that if we pay off the couches within XXXX  days there would be no interest. The couches were {$2800.00}. We made a payment of {$740.00} on XX/XX/XXXX and our last payment of {$2100.00} on XX/XX/XXXX. The 120 day period ended on XX/XX/XXXX. 

Before we made the payment, we emailed Acima at Rooms To Go to confirm total pay off amount. Because I didnt hear from them for a day or two I ended up calling and the lady I talked to told me we owe {$2100.00}. The next day I get a response to my email ( XX/XX/XXXX ) and XXXX tells us we owe {$2700.00} with 10 % above the price of the furniture plus tax. We go back and forth about this because it seems too much and she then agrees with what the other lady told us before and says its {$2100.00}. We make the payment over the phone with XXXX on XX/XX/XXXX. We confirmed with her multiple times to make sure it was paid off and she told us it was. On XX/XX/XXXX a payment of {$98.00} was taken out from Acima. We immediately reach out to XXXX about this and she tells us XXXX look into it. A week passed by with no response so I went into the store to talk to her. I explain the issue to her again and the first question she asks me is What makes you think you paid it off? ( Im sure you can see the type of person I was working with ). She looks into it and says its weird that that is happening because on her end its showing paid off. She emails the district XXXX and tells me XXXX keep me updated. For the next XXXX weeks, Im the one calling to check for an update. Finally on XX/XX/XXXX I call her again and she tells me she heard back from the district XXXX and we still owe {$480.00}. XXXX going back and forth with her to understand why we owe that since we paid initial price and there should be no interest. She tells me theres no such thing as no interest and its 10 % price of XXXX  months. We felt completely XXXX sided because this was never mentioned to us. I end up calling another XXXX XXXX XXXX with Acima to find out if this is true and the lady I talked to apologizes Im going through this and tells me shes always honest with her customers and lets them know up front that even if they do the early pay off option they will still owe more than what the item price is. I called corporate XX/XX/XXXX to talk to XXXX different people ( I kept going up the chain to reach senior XXXX ). I was on the phone for about an hour. He informed me that there is no interest they charge, but they do charge a fee. I expressed my frustration and all the miscommunication, but theres nothing that they can do and I need to pay {$480.00} by XX/XX/XXXX. 
Weve paid a total of XXXX. We feel like this is Acimas fault and it isnt fair to us. The senior XXXX even told me the case was closed once we made that last payment and then opened up again beginning of XXXX. It seems shady and like were getting taken advantage of. The amount of stress this has caused us is ridiculous and I will never use Acima again.

Company response to consumer: Closed with explanation