Consumer complaint received 2025-05-19 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: DE

Complaint narrative:
In XXXX of XXXX, I leased furniture through Acima from XXXX XXXX. As of XX/XX/XXXX I called to make a full and final purchase of the furniture as reflected on their application in the amount of $ XXXX. I mentioned that there was a payment of {$140.00} that was processing and would more than likely be declined due to issues with my financial institution. I paid the purchase price that was due upon the call. I called back on two occasions in XX/XX/XXXX due to not being able to utilize my card to make a payment via the Acima application since the bank had my maiden name. At no time did Acima 's Customer Rep let me know about the balance on the account. On XX/XX/XXXX, I received an email stating " Payment Reminder ''. As of XX/XX/XXXX, {$35.00} was deducted from my bank account, and again on XX/XX/XXXX, another {$140.00} was deducted from my account. 

I called Acima on XX/XX/XXXX to request information. I spoke to three different reps, including a supervisor and got three different answers. They stated that when I called on XX/XX/XXXX the payment of {$140.00} was still processing in which I made them aware of the issue with the bank. If there was just that payment that had not processed, they have now taken out {$170.00} from my bank account and according to Acima, another payment will be deducted on XX/XX/XXXX when the purchase price was paid, and they should be paid in full. 

The last gentleman I spoke with initially told me Acima owed me a refund. After telling me they owed me a refund, he then spoke with a supervisor who stated the account would not be closed unless I paid a {$4.00} outstanding fee. After back and forth and asking why did they wait 75 days later to begin deducting payments without prior notice, from my bank account, to which I was told they do not call, they do not send emails regarding late payments or failed payments, which I can prove, they do, since I received calls prior to paying the purchase amount on XX/XX/XXXX, as well as the multiple emails that are attached. After escalating the matter and speaking with a XXXX supervisor, she then told me I did not owe {$4.00}, I owed $ XXXX and she did not understand where the prior rep got that information and they would not close the account until that was paid. I do not understand how 75 days, 11 weeks, 3 months and 12 days, have passed with no prior notification/communication, and they take more money out of my account without prior notification. It is clear they are abusing their discretion and allowing time to lapse in order for the accounts to continue incurring fees and costs! Had I not called they would continue to deduct {$140.00} per pay period as was told by the answering service!! If I owed them the {$140.00} payment, they have now deducted {$170.00}, and should not be allowed to continue to steal money from their clients without prior notification of same. Acima is misleading its customers!

Company response to consumer: Closed with monetary relief