Richard C Rav

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Acima Credit - Very big rip off, nothing but crooks!

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Acima Credit is not credit but a total rip off. I bought some tires from a tire shop (or thought I had bought) it was a tire store owned by a Mexican.

I told him from the start that I did not have good credit. He told me that he could get me approved for a loan to buy the tires. I let him put on four tires (right from the start I should have run like *** He showed me four tires that were like new but not new. I told him I wanted new tires but he in the long run talked me into the four like new tires.

I was also talked into having him replace my front brakes and he did a part of my front end as well along with a alignment. All in all it came to $500.00. he got me set up with Acima credit but did all the stuff to get me what I thought was a loan on my phone for me. I did think it was a loan (not a lease).

When I got home I did see for the first time the credit contract from Acima for the first time in my e-mail. I nearly had a heart attack they had the what I thought was a loan for $500.00 with a repay charge of over a thousand dollars. I was never told about being able to pay it off in ninety days same as cash. How I found out about the 90 day pay out was from a mattress company that I am buying a mattress from.

He also told me he uses Acima. I told him no way in *** would I use that company. I told him about the high cost of having them let you buy something thru them. I also told him when I questioned Acima about the amount of financing charge, I was told it was not interest but it was leasing charges.

He told me that the person selling me the tires and who did the work on the truck. That I could pay it off in 90 days. He called Acima for me and I did talk to them and informed them that I was never told about the 90 day same as cash pay out. They could have cared less that they had used a crook for there loan!

I have paid back $727.04 at this point, I still owe quite a bit more. But they will never get another cent out of me. Two hundred twenty seven dollars and four cents is more than what I would have if I had been informed about the 90 day program. So they will never get another cent out of me.

I am going to force them to bring in a mediator to discuss this matter.

Don't get a loan with them, fact if you hear the name Acima Credit run out the door and don't turn back! THEY ARE NOTHING BUT BIG CROOKS THAT ABUSE PEOPLES TRUST IN LOAN COMPANY'S!

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Loss:
$500
Cons:
  • Watch your back with them
Reason of review:
Poor customer service

Preferred solution: Price reduction

2 comments
Carleen Aeu

they also want to make it difficult for you to return the item. did you change bank accounts?

how will you prevent them from charging your account.

I don't know how their contracts are even legal if what you signed with the merchant doesn't have any of the disclosures they are legally supposed to supply. The lease you get has no signature on it, but a typed named.

Richard C Rav
reply icon Replying to comment of Carleen Aeu

My bank was real nice about what was going on after I told them that two of the tires had come apart, and had been trying to get them to do something about the problem, so they blocked them from getting more than I had paid up to them doing so close to $900. They have tried to get money for two months now and they have been blocked.

I also talked to the Attorney Generals office here in Georgia and was told they are looking at them very hard as they are border line with what they are doing. They also told me that they have a number of reports about what they are doing. My boss is a Attorney and he told me to stop paying them as well. He told me that when I was told it was a loan that they can't charge you leasing fees on money they loan.

So I have been recording all calls to me and I will soon be turning them over to the Attorney Generals office. I have been up front with them (not like the lies I was told when I got the tires) and informed them that I am recording calls and will be turning them over to the AG's office. Over the time I have paid them, I have told them that the tires did not hold up and had to go and get four new tires to replace them. They could not have cared less about that and have never made the problem right.

According to the AG's office they are a bunce of crooks and I have yet to find a good review about them on line. Like I said the bank backed me up and blocked them from getting money from me.

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