Acima Credit

Simple RTO, LLC (DBA: Simple Finance, hereinafter “Simple” or “us” or “we”) received the complaint filed by Mr [redacted] * [redacted] through the Revdex.com on July 2, We have investigated the allegations made in the complaint regarding the integrity of the transaction that occurred between an independent third-party merchant, Simple, and Mr***, and are prepared to provide all the facts surrounding the transaction to fully explain the nature of the Lease Agreement (“Agreement”) and the contractual obligations of Mr***Simple is a virtual rent-to-own organization that partners with retail merchants to provide alternative lease-purchase financing to those who may not qualify for traditional financingOn January 14, 2016, Mr [redacted] applied and was approved for the leasing services of Simple through and independent third-party--Mattress By Appointment (the “Merchant”) --located in StGeorge, UTUpon approving Mr***’s application, Simple initiated an SMS text message to Mr [redacted] containing a four-digit personal identification number (the “PIN”) to be used as Mr***’s electronic authorization of the AgreementMr [redacted] provided the PIN number to the Merchant’s associate who used it to accept and acknowledge the Agreement on behalf of Mr***When the PIN was returned to Simple, a pre-designed signature baring the name of Mr [redacted] was populated on the Agreement to indicate that the Agreement had been authorized electronically[1]The Agreement identifies the Total Payments and Early Purchase Options (“EPO”)It states, “The total of your payments will be $(“Total Payments”)The Total of Payments is the amount you must pay in order to acquire ownership of the Property, unless you exercise an early purchase option as outlined herein.” The two (2) EPOs available are; first, the 90-Day Option: “You may choose to purchase the Property at any time during the first ninety (90) days of this Agreement by paying the 90-Day Option amount, $1113.50.;” and the second EPO, “After ninety (90) days you may purchase the Property by paying seventy-five (75%) percent of the total remaining periodic lease payments ” When the 90-Day Option expired on April 13, 2016, Mr [redacted] had paid $in lease renewal paymentsIf Mr [redacted] had paid $by April 13th, he would have acquired ownership of the property by exercising his 90-Day OptionBecause Mr [redacted] did not exercise the 90-Day Option, he is bound to the terms of the Agreement which require that he pay the Total Payments of $2145.76, or exercise the second EPO available to him.[1] Pursuant to the ESIGN Act of 2000, a contract may not be denied legal effect, validity, or enforceability solely because an electronic signature was used in its formation Mr [redacted] stated his desired settlement is for Simple to “have the interest removed.” The Agreement clearly explains the Total Payments to acquire ownership of the property is $The 90-Day Option is a courtesy provided to customers which allows them to pay off the Agreement earlyAlthough Simple strives to satisfy all customers by providing them excellent service, we do not negotiate the terms of our Lease-Purchase AgreementsWe purchased the property from the Merchant and we are renting that property to Mr***Mr [redacted] does not own the property and cannot negotiate a reduction in the Total Payments because he does not find the terms desirable anymoreIf Mr [redacted] wishes to keep his property, he will be required to honor his Agreement and continue making timely lease renewal payments of $every month until the Total Payments has been paid, or exercise the second EPO by paying 75% of the total remaining periodic lease paymentsIf Mr [redacted] does not wish to keep making his lease renewal payments, then he has the right to opt-out of his Agreement by returning our property to usIn no situation may he keep our property and not make the lease renewal paymentsWe look forward to hearing from Mr [redacted] to discuss his options once he decides whether or not he wishes to keep the property[1] Pursuant to the ESIGN Act of 2000, a contract may not be denied legal effect, validity, or enforceability solely because an electronic signature was used in its formation

Acima Credit, LLC (FKA: Simple Finance; hereinafter “Acima” or “us” or “we”) received the complaint filed by Mrs [redacted] through the Revdex.com on March 22nd, We have investigated the allegations made and are prepared to provide all the facts surrounding the transaction to fully explain the nature of the Lease Agreement (“Agreement”) and the contractual obligations of Mrs***.Acima is a virtual rent-to-own organization that partners with retail merchants to provide alternative lease-purchase financing to those who may not qualify for traditional financingOn July 30th, 2016, Mrand Mrs [redacted] applied and were approved for our leasing services through an independent third-party, East Coast Appliance (the “Merchant”), located in Chesapeake, Virginia On this day, Acima purchased a washer and dryer (the “Property”) on behalf of Mrand Mrs [redacted] for $1, The Agreement is a 12-month lease of the Property to Mrand Mrs [redacted] at the cost of $semi-monthly The Agreement states the total of payments Mrand Mrs [redacted] would pay if they hold the lease for the entire lease term is $2, The Agreement contains two (2) early purchase options (EPOs) available to Mrand Mrs [redacted] as a courtesy to terminate the lease prior to maturity to save some money The first EPO, the 90-Day EPO, states that Mrand Mrs [redacted] can pay a total of $1,including the retail price of the Property, a $initial payment, and a $account closure fee to terminate the account within the first days of the lease Mrand Mrs***’s 90-Day EPO expired on November 16th, The second EPO stipulates the lease can be terminated at any time following the 90-Day EPO expiration date by paying 75% of the remaining periodic lease payments, plus any other charges In her complaint, Mrs [redacted] complains about the “interest rate” associated with the Agreement Acima does not charge an interest rate because the Agreement is a 12-month lease of the Property Leases require a cost for using the Property and the cost is reflected in the total of payments Mrand Mrs [redacted] would pay by holding the lease to term Acima imposes a one-time financing charge in our Agreements at the time the Agreement is generated for our customers By signing the Agreement, Mrand Mrs [redacted] assumed the finance charge associated with renting the Property If Mrand Mrs [redacted] wish to avoid a percentage of the financing charge, they must exercise the second EPO discount available to them Mrs [redacted] alleges she was not given a copy of the Agreement at the time she signed the Agreement Acima was not present at the time of signing and can neither confirm nor deny this claim The Agreement was signed electronically through our Merchant Portal using a code sent to her via email and text message Mrs [redacted] was notified within these messages that using the code is equivalent to physically signing the Agreement The Merchant Portal contains the Agreement in its entirety available for viewing and printing prior to signing Mrs [redacted] must request a physical copy of the Agreement at the time of signing if she wanted to have a copy for her records Additionally, we have record of sending the Agreement and a Welcome Letter to Mrand Mrs***’s residence by USPS on August 25th, Because the documents were not returned to us by the USPS, we had no reason to believe Mrand Mrs [redacted] did not receive the Agreement and Welcome Letter Mrs [redacted] claims in her complaint that regular lease renewal payments can “only be paid through bank drafts.” Acima initially establishes automatic ACH payments to be drafted from our customer’s checking accounts according to their paycheck schedule We also allow our customers to authorize a credit or debit card as their primary payment method in lieu of ACH payments If Mrs [redacted] wishes to change her primary payment method, she may do so at any time by calling our Customer Service DepartmentMrs [redacted] has issued a stop payment on her bank account without providing an alternative payment method to make her regular lease renewal payments As stated on Section of the Agreement, Acima owns the Property Mrs [redacted] is not permitted to keep the Property without making her regular lease renewal payments Mrs [redacted] must call our Customer Service Department to establish a regular payment schedule or exercise the second EPO If Mrs [redacted] no longer finds the terms of the Agreement desireable, she maintains the right to terminate the Agreement by returning the Property to us and paying any applicable outstanding balances We hope Mrs [redacted] finds our explanation satisfactory, and we hope to continue doing business with her If Mrs [redacted] requires further information or wishes to resolve her account issues, we encourage her to call our Customer Service Department at (801) 297-

Acima Credit, LLC (FKA: Simple Finance; hereinafter “Acima” or “us” or “we”) received the complaint filed by Ms [redacted] through the Revdex.com on March 31, We have investigated the allegations made and are prepared to provide all the facts surrounding the transaction to fully explain the allegations in Ms [redacted] ’s complaint.Ms [redacted] ’s regular lease renewal payments were arranged to match her paycheck schedule Ms [redacted] authorized Acima to draft payments from her bank account on file on the 15th and last day of every month On March 30, 2017, Acima’s payment system malfunctioned and drafted Ms [redacted] ’s regular lease renewal payment early This resulted in a $overdraft fee Since this event, we have contacted Ms [redacted] and resolved the situation We will be issuing a refund of $today, April 7, Refunds generally take up to business days to post to our customer’s bank account based on the ACH network and the customer’s banking institution Ms [redacted] has been an excellent customer to us and we hope she finds this solution satisfactory If Ms [redacted] requires or desires further information regarding her account, we welcome her to call our Customer Service Department at (801) 297-

On January 22, 2018, Acima Credit, LLC (hereinafter “Acima,” “we,” “us,” “our”) received a complaint filed by Ms [redacted] through the Revdex.comWe have investigated the allegations and have prepared a response to explain the nature of the Lease-Purchase Agreement (the “Agreement”) and the contractual obligations of Ms [redacted] Acima is a virtual rent-to-own company offering alternative financing for those who may not qualify for traditional financing Acima offers only one lease model, which is a 12-month leaseUnder the Acima lease program, a customer selects property from an independent third-party merchant, and Acima purchases that property from the merchantThe customer takes the property and leases it from Acima until all of the scheduled payments have been madeAfter all the payments have been made, the Agreement has been satisfied and the customer owns the property As a courtesy to our customers, Acima offers two early purchase options (EPOs); each of which reduces the cost of ownership to the customer, and satisfies the Agreement earlier than the 12-month contractual term contained within the Agreement On January 31, 2017, Ms [redacted] entered the Agreement to rent a king sized bed set (the “Property”) from Acima Ms [redacted] was scheduled for bi-weekly payments of $for a term of months Ms [redacted] alleges that Acima reported her payments as late incorrectly on her credit report This is not true Ms [redacted] , upon the beginning of her repayment schedule, made two consecutive, on-time payments on February and March 3, On March 17, Ms [redacted] ’s regular renewal payment failed due to insufficient funds in her checking accountAcima allows a 3-day grace period after a failed payment for the customer to call in and correct the failed payment before the payment is marked late and a late fee is assessed on the account Ms [redacted] did not call Acima to correct this payment and her regular lease renewal payments continued according to the payment schedule Because the March payment was not paid on time or made up after it’s failure, Ms [redacted] ’s payments following the failed March payment were applied to her past due balance Ms [redacted] missed more payments following the initial failed payment An Acima agent sent Ms [redacted] her payment history via email on September 1, Acima arranged multiple catplans in order to help Ms [redacted] get her account back on trackAcima agreed to reduce the amount of fees outstanding on her account by $75.00, and Ms [redacted] paid off her account on January 22, Acima has worked with Ms [redacted] in good faith and has charged fees in accordance with the terms of the Agreement Any errors in fees charged have been corrected with Ms [redacted] Acima has not reported incorrect information on Ms [redacted] ’s credit report and her late payment posting is valid If Ms [redacted] has further questions or concerns, we encourage her to call our Customer Service Department at (801) 297-

On January 12,2018, Acima Credit, LLC (hereinafter “Acima,” “we,” “us,” “our”) received a complaint filed by Ms [redacted] through the Revdex.comWe have investigated the allegations and have prepared a response to explain the nature of the Lease-Purchase Agreement (the “Agreement”) and the contractual obligations for Ms [redacted] Acima is a virtual rent-to-own company offering alternative financing for those who may not qualify for traditional financing Acima’s Agreements and procedures were developed under and abide by the “Lease-Purchase Agreement Act” of Georgia (Georgia Code Ann., § 10-1-680), which is where Ms [redacted] lives and entered into the Agreement Acima offers only one lease model, which is a 12-month leaseUnder the Acima lease program, a customer selects property from an independent third-party merchant, and Acima purchases that property from the merchantThe customer takes the property and leases it from Acima until all of the scheduled payments have been madeAfter all the payments have been made, the Agreement has been satisfied and the customer owns the property As a courtesy to our customers, Acima offers two early purchase options (EPOs); each of which reduces the cost of ownership to the customer, and satisfies the Agreement earlier than the 12-month contractual term contained within the AgreementIn this case, Ms [redacted] did not exercise either one of these optionsOn August 15, 2017, Ms [redacted] entered the Agreement to rent twin beds, bed frames, a marble table, four stools, and a bench (the “Property”) from AcimaOn November 3, 2017, Ms [redacted] called Acima to report that her chairs needed repairsOur agent advised Ms [redacted] to call Eat, Sleep, and Sit (the “Merchant”) to request repairs, otherwise she must find her own repair service to fix the chairsAs stated in Paragraph of Ms [redacted] ’s Agreement, Ms [redacted] is “responsible for maintaining the Property in good working condition during the lease term we do not provide any Warranty of Merchantability of Fitness for a Particular Purpose, either Express or Implied, on the Property.” Acima is not responsible for maintaining the Property during the lease term Additionally, under Paragraph of the Agreement, Ms [redacted] has the right to terminate the Agreement by “returning the Property [to Acima] in accordance with our directions, and by paying us any unpaid Renewal Payments, plus Other Charges due, including any damage to the Property, beyond wear and tear.” On November 28, Ms [redacted] called Acima to ask for the instructions to return the PropertyAcima sent the instructions via email requesting that Ms [redacted] send pictures of all the Property to initiate the returnMs [redacted] sent pictures of the table, chairs, and bench, but not the twin bedsIn order to initiate the return process, Acima requires pictures of all the Property, as Acima does not do partial returns to terminate the whole contractRather, the customer has two options: 1) the customer may pay the remaining amount due on an EPO or on the total amount remaining on the Agreement to acquire ownership of the Property to discharge any liability of Acima in order to sell or dispose of the Property; or 2) return all Property contained in the Agreement and pay any outstanding charges or renewal payments on the account, with a minimum lease term of days worth of renewal payments On December 5, 2017, Acima offered to settle Ms [redacted] ’s remaining liabilities on the Agreement for a total of $plus taxMs [redacted] accepted this offer, and agreed to pay the settlement amount in two installments: $plus tax on December 18, and $plus tax on January 19, Ms [redacted] paid the first payment of the settlement plan on December 18, On January 5, she charged the payment back to her accountCharging back the payment terminated the settlement plan It is worth noting that the settlement plan did not even cover the original invoice price that Acima paid to the Merchant for the PropertyThe Merchant’s invoice price was $1,957.08, and, including the settlement plan payments (if made), Ms [redacted] would have only paid a total of $1306.36, plus tax, to terminate the Agreement and keep all the PropertyAs of the date of the settlement offer, Ms [redacted] had paid $toward the balance on the AgreementIf Ms [redacted] elects to keep the Property and make all the payments, her total of payments to obtain ownership of the Property is $3,If Ms [redacted] would like to return the Property, she must return all of the Property in order to terminate the entire AgreementBecause the Agreement constitutes a lease of the Property, Ms [redacted] is responsible for paying for the amount of time she has had possession of the Property, including the loss of any value to the Property due to damage beyond wear and tearMs [redacted] does not own the Property, thus she cannot keep the Property and withhold lease renewal paymentsIf Ms [redacted] would like to initiate a return of the Property, she may call our Customer Service Department at (801) 297-to receive instructions and obtain a remaining balance owed

Acima Credit, LLC received the complaint filed by Ms [redacted] through the Revdex.com (Revdex.com) on May 15, regarding her lease-purchase agreementWe have reached out to Ms [redacted] and are working with her to resolve the matter outside of the Revdex.comIt is our understanding that Ms [redacted] is satisfied with our proposed resolution

On April 26, 2018, Acima Credit, LLC (hereinafter “Acima,” “we,” “our,” “us”) received a complaint filed by Ms [redacted] through the Revdex.com We have investigated the allegations and have prepared a response to explain the situation subject to Ms [redacted] ’s complaintOn March 7, 2018, Ms [redacted] entered a lease-purchase agreement (the “Agreement”) with Acima to finance the purchase of tires and wheels (the “Property”) The Agreement stipulates that the customer will not commence payments until their first payday following the delivery of the Property, but no sooner than seven days after delivery The core of Ms [redacted] ’s complaint is that she does not have all of the Property in her possession due to a failure by FedExThe Property, with the exception of one wheel and tire, has been reported by FedEx as lost and unrecoverable as of March 27, Ms [redacted] is in possession of one wheelMs [redacted] ’s plea for relief is to have the Agreement cancelled We are happy to accommodate this request, provided Ms [redacted] returns the wheel in her possession To begin arrangements for lease cancellation, Ms [redacted] may call our Resolutions Department at (801) 297-

Complaint: [redacted] I am rejecting this response because: they overcharged meI payed more then the price of the sectional They did not provide with a contractThey didIt provide statementsThey did not make the withdrawals on time like they agreed toThey did not mention anything g about the interest rateI end up paying $vs $I don't want a full refundI want the extra money they took from meAnd I want them to acknowledge that they were wrong and the fact they did not send me the contactI want the difference back $back because they overcharged me Sincerely, [redacted]

Acima Credit, LLC received the complaint filed by Ms [redacted] through the Revdex.com on April 18, We are working directly with the customer to resolve the issues Ms [redacted] complained of in her complaintWe are asking Ms [redacted] to contact our Compliance Department either via email at [email protected] or by telephone at (801) 297-

Acima Credit, LLC (hereinafter “Acima,” “us,” “we,” “our”) received a complaint filed by Ms [redacted] through the Revdex.com on April 30, We have investigated the allegations and prepared a response to explain the nature of the Lease-Purchase Agreement (the “Agreement”) and the contractual obligations of Ms [redacted] Acima is a virtual rent-to-own company offering alternative financing for those who may not qualify for traditional financing Acima offers only one lease model, which is a 12-month leaseThe Acima lease program allows the customer to select property from an independent third-party merchant and Acima Purchases the property from the merchant The customer takes possession of the property and leases it from Acima until all the scheduled lease renewal payments have been madeAfter all payments have been made, the Agreement is satisfied and the customer owns the property As a courtesy to our customers, Acima offers two early purchase options (“EPOs”); each of which reduces the cost of ownership to the customer, and satisfies the Agreement earlier than the 12-month contractual term contained within the Agreement The first option is a 90-Day EPO This option allows our customers to purchase the property within the first days of the Agreement at the invoice price, plus a $initial payment, and a $account closure fee (the “Acima Cash Price”) The second EPO stipulates that a customer may terminate the Agreement at any time after the first days of the Agreement by paying a lump sum equivalent to 75% of the remaining lease renewal paymentsTo exercise either EPO, a customer must call Acima’s Customer Service Department to initiate the payoff process Acima will not initiate an EPO payoff without appropriate consent from the customer because such action would necessarily require Acima to violate the terms of the Agreement by withdrawing more than the regularly scheduled payment amount from the customer’s preferred payment methodAcima uses an advanced authentication method in which most Agreements are entered into electronically We initiate an SMS text message to our customers’ cell phones containing a unique identification code to be used as the customers’ electronic signature and official authorization of the Agreement Acima sent an SMS text message to Ms [redacted] ’s cell phone on January 20, at 2:PM MSTThe message said, “Notice! Using this code is equal to physically signing your lease agreement with AcimaCode: [redacted] (Reply STOP to unsubscribe).” Ms [redacted] then used the code and entered into the Agreement to rent three twin bed sets (the “Property”) through weekly payments of $plus a $initial payment for a total of $1,(the “Total of Payments”)Ms [redacted] alleges we provided her the wrong information and had incorrect information listed on her account Acima keeps detailed records of all communications with customers to ensure consistent and accurate conversations between agents and customers All of the information listed on Ms [redacted] ’s account is that information provided by her to Acima on her applicationOn January 20, at 3:PM, an Acima agent called Ms [redacted] ’s cell phone and verified her contact information, paycheck dates, and expected delivery dates of the Property We have record of Ms [redacted] receiving our welcome email after signing the AgreementThe welcome email contains the Agreement and a letter listing the 90-Day EPO expiration dateMs [redacted] ’s 90-Day EPO expired on April 22, If Ms [redacted] did not receive this email due to an inaccurate email listed on her account, it is no fault by Acima Acima exercised adequate due diligence in ascertaining Ms [redacted] ’s contact information during the verification call on January 20thMs [redacted] called Acima on April 30, and was informed her 90-Day EPO had expired As a customer service courtesy to Ms [redacted] , our agent offered her an extension to exercise her 90-Day EPO for an additional fee of $ Ms [redacted] refused this offerMs [redacted] has threatened to chargeback all payments and demands Acima to refund all money collected from her Should she chargeback her payments, she will be in violation of the Agreement and subject to penalty feesAs stipulated under the Agreement, “WE OWN THE PROPERTYThis Agreement is a lease You do not have the right to keep the Property if you do not make timely Renewal payments.” Ms [redacted] has options available to her to terminate the Agreement She may continue making payments on the Property until the end of the Agreement, exercise her second EPO, or return the Property to Acima in accordance with Paragraph of the Agreement and pay any outstanding charges due If Ms [redacted] wishes to pursue any of these options, or has additional questions about her Agreement, she may call our Customer Service Department at (801) 297-

We, Simple Finance, and our retail merchant have been very accommodating to [redacted] (the "Consumer") The Consumer claims that we made "incorrect statements" in our response to Consumer's complaint, without stating which statements were incorrect We hereby reassert that our response is true and correct The Consumer claims that she did not see an "attached signed copy of the lease agreement." This also is untrue Not only did the Consumer electronically sign the lease agreement in the store (as the Consumer acknowledges "as part of the (her) application process," but she also received a copy of the electronically-signed agreement from us, and as attached to our response to this complaint The Consumer misunderstands the lease-purchase agreement she entered into We, Simple Finance, fund the lease to our merchant upon 1) the consumer signing the lease and 2) the merchant delivering the property to the consumer The fact is, this lease was effective upon her signing and the merchant's delivery In addition, the $payment she made in the store, was not a processing fee, but rather the Consumer's "Initial Lease Payment," consummating the lease agreement Furthermore, the Consumer is leaving out very important information: Our merchant has bent over backwards trying to please the Consumer The merchant sent his delivery guys three-times to piand/or replace the furniture which the Consumer alleges is "incomplete" or broken (although Consumer initially claimed that the property was never even delivered, but later admitted was just flawed or incomplete - which we believe goes to the Consumer's credibility and trust-worthiness) Each time the merchant attempted to pior replace the furniture, it cost him $for the use of a moving truck and movers She failed to be at her home at the scheduled time or refused to open the door to the movers She also has not made herself available to the merchant who has done everything he can to make the Consumer happy with her lease-purchase What is more, we have reason to believe that she has intentionally broken the furniture, as her pictures may indicate Although our merchant is still willing to replace and pithe property, he is also willing to testify that the furniture was not delivered in that condition The Consumer is not making herself available to us or our merchant to cure this problem by either re-delivering the property to our merchant nor allowing for the delivery of replacement property Please note that termination of the lease can only happen by 1) requesting a termination of the lease and 2) re-delivering the property back to the merchant So long as the property is not re-delivered to the merchant's location, the "Daily Lease Rate" will continue to accumulate We care not that the Consumer "rejects" our response She is in the wrong, and we will continue to accumulate past rent due (based on Daily Lease Rate) so long as she refuses to re-deliver the property to our Merchant or makes herself available for our piof the property items Sincerely, Jesse *S*VP of Compliance

Acima Credit, LLC (FKA: Simple Finance; hereinafter “Acima” or “us” or “we”) received the complaint filed by Ms [redacted] through the Revdex.com on June 16, We have investigated the allegations made and have since resolved the issues in Ms [redacted] ’s complaint Ms [redacted] has requested we defer a payment that was drafted early to be paid at the end of her 12-month lease agreement This is not an accommodation Acima offers Acima is a rent-to-own company that purchases personal property and subsequently rents the property to the customer through regularly scheduled rental renewal payments Acima cannot defer payments as each payment renews the lease agreement for the scheduled period The lease agreement is not a loan in as much that interest is charged on the principle loan amount and each payment pays down the principle Rather, each payment made on Acima’s lease agreements renew the lease for a scheduled rental period Due to Ms [redacted] ’s contact settings, we are unable to reach her by phone or email Ms [redacted] may expect a letter containing the details of the resolution she requested We apologize for the inconvenience and difficulty this issue has caused Ms [redacted] Acima greatly values Ms [redacted] and her patronage and we hope to continue an amicable relationship If Ms [redacted] desires further information, she may call our Customer Service Department at (801) 297-

The warranty Ms [redacted] is referring to in her complaint, whether or not she called it a manufacturer’s warranty, is in fact, a manufacturer’s warrantyThe Merchant did not go out of businessThey have relocated to a new addressThe address of the Merchant is [redacted] ***We encourage Ms [redacted] to go to the new address and speak with the Merchant regarding the warranty process We have made note of Ms [redacted] ’s refusal to pay her contractual obligationsWe have also ceased all communication with Ms [redacted] via email and phoneMs [redacted] ’s payment obligations will continue while she remains in possession of the propertyShould Ms [redacted] wish to honor the terms of her Agreement, she may contact us at (801) 297-

Acima received Ms [redacted] ’s second rejection on February 22, We have provided all facts surrounding the dispute We regret Ms [redacted] is not satisfied with the information and resolution provided However, there is nothing more Acima is willing or capable of offering If Ms [redacted] requires further information, we invite her to call our Customer Service Department at (801)297-

Simple Finance received the complaint filed by Mr [redacted] on November 25, We have reviewed the complaint, his agreement with us, and all the notes regarding his contact with usMr [redacted] states: “ Simple Finance didn’t take my payment as we agreed on November 4th of 2016.” Simple Finance received a phone call from Mr [redacted] on October 17th to inform us that he would not be able to make his scheduled payment on October 25th, and to request an extensionThe representative who spoke with Mr [redacted] advised him that since he had not made any payments on his account, he was ineligible for a deadline extensionMr [redacted] stated that he would be able to make a payment of $on November 4thThe representative advised Mr [redacted] that at that time he will be past his 90-day deadline, and his lease pay-off amount will then be $1,Mr [redacted] called again on November 4th wanting to pay $to close his accountHe was advised that since he is past his 90-day deadline, a payment of $would not be sufficient to close his account, but that it could be applied to the current balance of $1,Mr [redacted] then stated that he would need to speak to his attorney first and ended the call without making that payment of $The Agreement that Mr [redacted] signed outlines his options to purchase the merchandise as follows: “Early Purchase Options: 90-Day Buyout: You may choose to purchase the Property at any time during the first ninety (90) days of this Agreement by paying $("90-Day Buyout")The 90-Day Buyout amount equals the Simple Cash Price, plus a 90-Day Buyout Fee of $0.00, minus any periodic lease payments you have made, plus any other chargesEarly Payoff: After ninety (90) days of this Agreement, you may purchase the Property by paying seventy-five (75%) percent of the total remaining periodic lease payments, plus any other chargesYou must be current in your payments to exercise an early purchase option.” Mr [redacted] would like to pay the 90-Day Buyout amount even though that option has expiredNormally, we will consider a request to extend the 90-Day Buyout when the customer is currentUnfortunately, Mr [redacted] has not made any payments on his accountAt this time, Mr [redacted] has the option of paying $1,(75% of $1,421.76) to buy out his lease early, or he may call our Customer Service Department at to initiate a catplan to bring his account current and resume payments for the full lease term

Acima Credit, LLC (hereinafter “Acima” or “us” or “we”) received Ms [redacted] ’s rejection of our complaint response on February 24, Ms [redacted] has rejected our response based on a misunderstanding between Acima, the Merchant, and Ms [redacted] Ms [redacted] alleges in her rejection comments that she has “spoke with both an employee and a manager at the store [she] purchased the ‘Property’ and neither know of the 100% interest fee applied to the purchase price if the price was not paid off in days.” Ms [redacted] claims the Merchants’ lack of knowledge is the reason she did not know about the “100% interest fee.” We would like to first address the lack of knowledge regarding our Merchant The Agreement is a binding contract between Ms [redacted] and Acima regarding our purchase of the Property from the Merchant The Merchant is a third party to the Agreement between Ms [redacted] and Acima Therefore, the Merchant’s explanation of the Agreement terms is ultimately independent of the actual transaction and Agreement terms The Merchant acted as an agent on Ms [redacted] ’s behalf and provided information regarding the Agreement upon which Ms [redacted] based her decision to initiate the Agreement If Ms [redacted] feels the Merchant was untruthful or hid terms of the Agreement, she must seek relief with the Merchant Secondly, as thoroughly explained in our previous response, Acima does not charge interest on our lease agreements We offer one Agreement model This Agreement is a 12-month lease of the Property to the customer with regular lease renewal payments made over the course of the 12-month term The regular lease renewal payments reflect the total contracted rental price of the Property Acima encourages our customers to pay off leases early in order to save our customers some money The 90-Day early purchase option (EPO) is our most affordable option because customers have days to pay off the retail price of the Property We also provide a secondary EPO that is useable at any time throughout the term of the Agreement Customers may use this EPO by paying 75% of the remaining Agreement balance Ms [redacted] is invited to exercise this EPO at any time to terminate her Agreement with us Acima looks to enrich the lives of our merchants and customers by providing alternative financing and excellent service We hope Ms [redacted] finds this information satisfactory If Ms [redacted] requires or desires further assistance with her Agreement, we encourage her to contact our Customer Service Department at (801)297-

Acima Credit, LLC (“Acima”) received a complaint filed by Mr [redacted] through the Revdex.com on September 8, We have investigated the allegations in the complaint and have prepared a response below to the complaint In Mr [redacted] ’s complaint, he states that his wife attempted to access information on his account with Acima and was not granted access by a representative of Acima because his wife was not an authorized userOn September 8, at 8:AM, Mrs [redacted] called Acima asking to know the balance of her husband’s accountOur representative informed her that we could not give her that information as she was not an authorized user on her husband’s accountShe was informed that Mr [redacted] would have to call Acima personally and authorize us to speak with his wife On that same day, and less than an hour after the first phone call, at 8:AM, Mrs [redacted] called Acima again and spoke with the same representative that had taken her call the first timeDuring this second phone call, Mrs [redacted] claimed to be Mr [redacted] However, Mrs [redacted] spoke with the same Acima representative during both phone calls she placed that day, and the representative immediately recognized her voice as Mr [redacted] ’s wife, and not Mr [redacted] himselfThe representative denied Mrs [redacted] access to the accountMrs [redacted] was very upset that we did not believe her to be Mr [redacted] During the investigation of Mr [redacted] ’s complaint, we reviewed both phone calls placed by Mrs [redacted] on September 8th and confirmed it was her same voice claiming to be Mr [redacted] Acima values the privacy of each customer with whom we do businessWe expect Mr [redacted] can understand and appreciate our level of security measures to secure his private informationOn September 11, 2017, Mr [redacted] called Acima and authorized his wife to speak on his behalfOnce Mr [redacted] had authorized his wife on his account we were more than happy to discuss the account in detail with herShe paid off the account on September 11, and the account was closed Acima never violated any law or regulation by denying Mrs [redacted] access to her husband’s account prior to being authorized on the account

Simple RTO, LLC received the complaint filed by Mr [redacted] , on behalf of his wife [redacted] , through the Revdex.com on October 12, We have investigated the allegations made and will be adjusting Ms [redacted] ’s lease per her requestWe have contacted a consignment merchant in her area and have made arrangements to have the merchandise she does not wish to keep picked upWe will be adjusting her lease based on the merchandise she is going to keep and, if applicable, will administer a refundIf there is anything remaining owed to us by Ms [redacted] , we will address that in her lease adjustmentWe hope to maintain an amicable business relationship with Ms [redacted] and Mr [redacted] , and look forward to doing business with them in the future

Complaint: [redacted] I am rejecting this response because: The last response is completely incorrect.Acima Says: "Firstly, as mentioned before, the customer is allowed to view the contract at the time the PIN in the text message is received on the customer’s cell phone The Portal the Merchant (Furniture Queen) uses to enter the code and sign the lease contains the Agreement in full for viewing and printing purposes Ms [redacted] was not obligated to sign the Agreement immediately following the receipt of the PIN text message."^ There is NOTHING, not ONE piece of information about me being in affiliation with any contract, Acima, nor any payment plan at all on www.furniturequeen.com portalRevdex.com- Please see attached info to login to my personal portal to see first hand that this is clearly not trueThe entire complaint is based around the company reporting information, as seen here, and that their wording is misleadingHere we see they are saying that it was now the merchant themselves that had me sign the agreement over the phone, that too, is incorrectI was on the phone with Simple Finance (now ACIMA) when that "contract" (which was sent as PDF in the last complaint) was "signed"Acima also says, "Secondly, Acima did send a hard copy of the Agreement to Ms [redacted] at the address she listed on her application She later mentioned she was unable to receive mail at the listed address as she had moved It is the customer’s responsibility to report address changes to us A copy of the Agreement is attached and sensitive information has been redacted for security purposes."^ Now as I mentioned in my first message of complaint that they dissected entirely, yet chose to not address this- " Because what they did was, have me approve the loan thinking it was going to be days, and "mail" a contract to an address that I no longer lived at, and I had JUST changed my address with them because I had JUST moved." It was my responsibility, and I took care of itPlease see my attached PDF's to login to my Furniture Queen portal that this company is absolutely full of itThe attached document they sent was not given to me until my phone call with this company on February 7th, At that point it was immediately e-mailed (which they could have done prior to, yet did not) I also have evidence of my documented move, forwarding address request and if nethe information from the old land lord that I had access to my mail at the apartment listed until June 30, Acima did not send this information outas mentioned in several previous complaints on their companyThere is a reason they keep it electronically and send it VIA mailThere is no true recordThey can stick to their claim that they have sent it, they can stick to their claim that the customer relieved it, but they have no evidence to prove that as they would with e-mailIf any customer got that contract and saw they would pay the company twice as much for the furniture if they didn't pay by "X" date, they would jump hoops to make that happenIf you pulled my credit report you would see I ALWAYS make extra payments to any minimum payment dueI am continuing to this date to pay this dreadful companyAcima is able to take advantage of customers by:1.) Not informing customer that there is a huge penalty if the "early day buy out" isn't done before you sign the contract OR after for that matter.2.) Preform any and all services electronically, yet not provide a portal to view your account(- balances, payments, etc.) nor allow you to view your contract electronically3.) Not send the customer the real contract out, or if they do, VIA mail so that there is no way of tracking that the customer ever actually received the information.4.) Lead you to believe you can sautomatic payment plans that work for you over the phone, yet then tell you noThey do not allow you to set the automatic payment that they draft out, to ensure you pay off in the days.5.) They do not send monthly statements of your payment history, remaining balances, etcVia mail, as they state it is in effort to save paper I will continue to fight until this company is reprimanded for doing bad businessThey have clearly taken advantage of too many customers as they have them in this contract blindlyI will pay my fees "due" and I have not caused the company any problemsWith that said, I will not call the company back; as their representative told me there was absolutely nothing they could do for me Therefor, I will continue providing any and all information to expose this fraudulent company Sincerely, [redacted] ***

Acima Credit, LLC (FKA: Simple Finance; hereinafter “Acima” or “us” or “we”) received the complaint filed by Mr [redacted] through the Revdex.com on June 29, We have investigated the allegations and are prepared to provide all the facts surrounding the transaction to fully explain the nature of the Rental-Purchase Agreement (“Agreement”) and the contractual obligations of Mr***.Acima is a virtual rent-to-own organization that partners with retail merchants to provide alternative lease-purchase financing to those who may not qualify for traditional financing On June 7, 2017, Acima purchased a new queen mattress and box spring (the “Property”) from Mattress Clearance Center (the “Merchant”), located in Terre Haute, Indiana, for $ Mr [redacted] subsequently entered into a Rental-Purchase Agreement with Acima to rent the Property through weekly payments of $plus sales tax for a term of twelve (12) monthsMr [redacted] complains that he was misinformed, claiming the payment amounts given to him included sales tax The Agreement clearly states in Section 2, titled Sales Tax, that “the amounts reflected in this Agreement do not include sales tax Acima charges sales tax with each Renewal Payment when required to do so by your state Your payment amount may change to the extent the rate of sales tax changes after the date of this Agreement.” The Agreement is a legal-binding contract between Acima and Mr*** Further, the State of Indiana requires sales tax be paid on every renewal payment as each payment applies to the eventual purchase of the Property Sales taxes are levied on merchandise or service purchases Mr***’s weekly renewal payment amount is $ The total amount of sales tax Mr [redacted] is required to pay per payment is $ Therefore, his weekly renewal payment total is $ We are unsure what Mr [redacted] is asking for in his requested solution However, Acima owns the Property Mr [redacted] does not obtain ownership rights to the Property until he fulfills the total of payments to ownership or exercises an early purchase option (EPO) Until he makes the total of payments, or exercises an EPO, Mr [redacted] is required to continue his renewal payments on the Property We hope this explanation helps Mr [redacted] understand his Agreement and tax obligations to the State of Indiana We appreciate his business and patronage with Acima If Mr [redacted] requires or desires further information, we invite him to call our Customer Service Department at (801) 297-