Debt collection -- Took or threatened to take negative or legal action -- Complaint #5553739
Complaint Overview
Complaint ID: 5553739
Company: Acima Credit, LLC
Product: Debt collection
Sub-Product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Pennsylvania
ZIP Code: 186XX
Date Received: 2022-05-12T12:00:00-05:00
Date Sent to Company: 2022-05-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I went to XXXXXXXX XXXX XXXX in XXXX XXXX on XX/XX/22 to have from and rear brakes and rotors installed. They offered financing through Acima lease services. I applied and was pre-approved for approximately XXXX dollars. I was told the cost would be approximately XXXX dollars. Left the vehicle and was called later in the day and told the bill was over XXXX dollars and part of the reason was because they did an alignment. I informed them you installed tires less than 2 months ago and did the alignment then. I asked you to check it since it was pulling to the passenger side. They said we did the alignment again and you have to pay. I asked is everything already done they said yes. I asked why I was told and asked to sign off the repairs and final cost and was not given an answer. I never approved the charges in writing. I was sent a receipt electronically and got an a paper receipt saying the charge was for installing XXXX new tires. I asked why and was told we have to lie to them they don't pay for what we did. Since my car was effectively held hostage at this point and work was done without being approved in writing I picked up the vehicle after hours. I called Acima the same day explained the situation and was told nothing we can do. I told the person I spoke with you have falsified documents and they did not provide what your documents say they did. I was told it would be sent to their resolutions team but I wouldn't be contacted and nothing can be done. Today I contacted Acima again via online chat. Advised the same basic things and was told about the same thing. I advised I will not be paying since the docs are falsified. I was told they will repossess the property and report me as delinquent if I don't pay. I asked how they can repossess items when their agreement says the agreement was for tires and what was done brake service and parts. The representative abruptly ended the chat and I can not get a transcript.
Frequently Asked Questions
What is Complaint #5553739 about?
Complaint #5553739 was filed against Acima Credit, LLC regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2022-05-12T12:00:00-05:00.
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 (Debt collection) 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.