Payday loan, title loan, personal loan, or advance loan -- Charged fees or interest you didn't expect -- Complaint #18331267
Complaint Overview
Complaint ID: 18331267
Company: Acima Credit, LLC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-Product: Installment loan
Issue: Charged fees or interest you didn't expect
State: Colorado
ZIP Code: 810XX
Date Received: 2025-12-28T12:00:00-05:00
Date Sent to Company: 2025-12-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year> I was contacted by XXXX at the XXXX XXXX XXXX and he told me I was approved for an XXXX XXXX XXXX for a total of {$550.00}, with {$50.00} down. So I paid that and I received the phone on XX/XX/year>. Then I was about to login to Acima 's website, and it showed that I owe {$28.00} a week plus taxes and fees for 52 weeks. Which is over {$1400.00} total. So that {$550.00} total and the {$500.00} that Acima approved me for were all lies. I'm being charged way more than I was told, and I am not out of a job, and nobody wants to work with me to let me return the device, and give me my refund for the {$53.00} that was charged to get the phone to begin with. I want this fixed, and I refuse to give this company another red dime of my money. They lied and are trying to get way more than they initially led on.
Frequently Asked Questions
What is Complaint #18331267 about?
Complaint #18331267 was filed against Acima Credit, LLC regarding Payday loan, title loan, personal loan, or advance loan specifically about Charged fees or interest you didn't expect. It was received by the CFPB on 2025-12-28T12:00:00-05:00.
How did Acima Credit, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Payday loan, title loan, personal loan, or advance loan) and describe your issue in detail.
Can I see other complaints against Acima Credit, LLC?
Yes, visit the Acima Credit, LLC company profile at readthecomplaint.com/company/acima-credit-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.