Acima Credit

We have received Mr [redacted] ’s rejection on behalf of Ms [redacted] We have further investigated the arrangements mentioned in our previous response and have come to a resolutionWe have confirmed that as of Friday, November 11, 2016, the merchandise that Ms [redacted] did not wish to keep has been picked upMr [redacted] claims that he and Ms [redacted] had paid $toward the other merchandise that we are leasing to themAlthough we have no record of that payment, we have decided in good faith to close their lease and allow them to keep the remaining merchandiseNo refund will be administered to Ms [redacted] , and nothing is owed to us by herWe look forward to doing business with her in the future

Acima Credit, LLC (hereinafter “Acima,” “us,” “we,” “our”) received a complaint filed by Ms [redacted] through the Revdex.com on April 18, 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 payments have been madeAfter all payments have been made, the Agreement is satisfied and the customer owns the propertyAs 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 AgreementThe 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 27, at 1: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 a full-size mattress and box spring (the “Property”) through bi-weekly payments of $and a $initial payment for a total of $(the “Cost of Lease”)Ms [redacted] alleges that she did not have the opportunity to see the Agreement prior to signing and that we did not send her a copy of the Agreement after signing The electronic signing process allows for the customer to view and print the Agreement prior to signingAdditionally, Ms [redacted] could have called Acima at any time and requested a copy of the unsigned Agreement prior to or after signing Acima mailed a physical copy of the Agreement to Ms [redacted] at the address listed on his applicationMs [redacted] alleges we charged her extra fees The invoice price of the Property was $The Acima Cash Price for the 90-Day EPO is the invoice price ($140.00), plus the initial payment ($50.00), plus the $account closure fee These payment terms are detailed within Paragraphs 2, 3, and of the AgreementOn January 30, 2018, Ms [redacted] called Acima to go over the Agreement terms and payment scheduleMs [redacted] rejected Acima’s authorization to automatically draft payments from her checking account when the payment becomes due Because automatic payments were deactivated, Ms [redacted] incurred two late fees of $each totaling $Ms [redacted] paid a total of $in late fees and the EPO account closure feeAll fees were explained and authorized under Paragraph of the AgreementAs of the date of this letter, Ms [redacted] has exercised her 90-Day EPO for $in rent and sales tax So long as the final payment clears and is not cancelled, Ms [redacted] ’s account will remain closed as paid-in-full Ms [redacted] has asked us to refund fees charged to her accountAll fees charged on Ms [redacted] ’s account were valid fees contracted for under the Agreement We value our customers and appreciate Ms [redacted] ’s business We hope this response explains the Agreement and fees charged to Ms [redacted] ’s account If Ms [redacted] has remaining questions, she may call our Customer Service Department at (801) 297-

Simple RTO, LLC (DBA: Simple Finance, hereinafter “Simple” or “us” or “we”) received the complaint filed by Ms [redacted] through the Revdex.com on June 16, We have spent much time reviewing the complaint and the allegations made therein in an effort to verify all the facts surrounding the situation, and provide insight into how Simple has attempted to find a resolution that satisfies both partiesMs [redacted] - [redacted] applied and was approved for the leasing services of Simple Finance through an independent third-party, Car Stereo of Texas (the “Merchant”), located in Westheimer, TX, on March 12, On that same day, Ms [redacted] - [redacted] entered into a Lease-Purchase Agreement (“Agreement”) with Simple, to lease four (4) new car tires (the “Property”)Pursuant to the Agreement, Ms [redacted] - [redacted] is to make her lease renewal payment every-other-week, beginning March 31, 2016, by automatic draft from the checking account she provided to usThe first two lease renewal payments, due on March 31st and April 6th, were both processed and later returned unpaid due to insufficient fundsSimple has a return payment fee of $for returned payments and other late fees for any failure to make a payment within three (3) business days of the due date (if pay frequency is bi-weekly)These two returned payments left Ms [redacted] -***’s account with Simple, delinquent with $in feesIt is Simple’s policy that when an account has become delinquent, we will offer catplans to help the customer become current on their account within a reasonable and non-burdensome time periodWhen setting up a catplan, Simple representatives are encouraged to obtain alternate billing methods (other than new checking account information) to be used with a catplan, as credit cards provide immediate payment confirmation and ACH transactions have a pending status of 3-business daysMs [redacted] - [redacted] called Simple on April 12, 2016, to update her billing informationAt that time, her account was in a ‘past due’ statusAccording to Simple’s policy, her credit card information was obtained for purposes of setting up a catplan to bring her account current by April 15, Ms [redacted] - [redacted] provided us her credit card information and authorization to run the catplan payment and all future automated paymentsThe catplan payment was processed and approved on the credit card on April 15, Bringing her account current and maintaining her on the automated payment system agreed upon in the AgreementMs [redacted] - [redacted] claimed that she requested that her checking account information be deleted, and verified with us that it had been deleted; however, Simple has no record in our notes that Ms [redacted] - [redacted] ever requested her checking information be deleted, only updated to a credit cardMs [redacted] - [redacted] also claimed, “The manager admitted that they was aware I requested to cancel the wellsfargo info and they still continue to bill the account.” Simple has no record of notes indicating that a Customer Service manager was aware of such notification and chose to ignore the request by billing the same account that had been closedMs [redacted] - [redacted] also claimed that the manager would not listen to the recording of the phone call and was only willing to rely upon notesSimple does not have a recording of the phone conversation and therefore could not review it to verify what was said during the callHowever, Simple takes pride in the quality of our customer service by making it a priority to adhere to reasonable requests by customers, according to approved company policy, to provide them with a satisfactory customer service experienceAs of May 10, 2016, Simple had processed a total of four (4) payments for Ms [redacted] -***Those four (4) payments were processed on the following dates; (i) March 31, 2016, as ACH; (ii) April 6, 2016, also processed as ACH; (iii) April 15, 2016, which was the one-time catplan payment; and, (iv) April 29, 2016, on the automatic payment systemMs [redacted] - [redacted] called Simple on May 10, 2016, alleging we had processed a payment on the wrong account which incurred NSF fees from her bankShe requested that all NSF fees be refunded to herOur representative explained to Ms [redacted] - [redacted] that we would not guarantee any refund but she may submit a bank statement for us to reviewIn the event that we had processed an unauthorized payment that resulted in an NSF fee, we would honor our error and refund money to the customerHowever, upon receipt and review of Ms [redacted] -***’s bank statement, we found that the two NSF fees she desired to be refunded to her, were not eligible for a refundThe first NSF fee was incurred from a transaction that was not with Simple and the second fee was incurred by a Simple transaction that was authorized at the time is was processedMs [redacted] - [redacted] called Simple on June 13, to notify us that her payment on June 10, 2016, would return unpaidUpon this notification, our representative attempted to create another catplan for Ms [redacted] -***Ms [redacted] - [redacted] refusedShe said that until Simple approved a refund of money to cover her NSF fees from her bank, she would refuse to continue making payments on her accountOur representative explained that failure to make timely payments on her account would result in delinquency, and may incur more feesMs [redacted] - [redacted] stated that she did not care if she went to collections or incurred more fees because she would refuse to pay themShe became abrasive and used inappropriate language with our representatives while they were attempting to assist her, and later she ended the phone conversation abruptlyMs [redacted] - [redacted] also claimed, “They won’t assist meThey won’t allow or provide me with corperate office information to make a complaintWhen you request a mailing or email address they state they don’t have anything.” On June 16, 2016, Ms [redacted] - [redacted] called Simple and requested corporate contact informationThe representative that answered her call, gave her the customer service email which is the main receptacle that Simple utilizes to receive any customer complaintSimple has made various attempted to explain to Ms [redacted] - [redacted] the nature of any transactions that may have caused NSF fees and the terms of the Agreement, specifically in regards to authorization of paymentsWe affirm that at the time of every payment transaction with Simple, Ms [redacted] - [redacted] authorized each processed paymentMs [redacted] - [redacted] is still bound by the Agreement to make her lease renewal payments as she is still in possession of our PropertyIf she does not wish to continue making lease renewal payments, we can arrange a time to piour property and terminate the Agreement after the requirements of Daily Rent, as described in the Agreement, have been satisfiedWe will not be responsible for any fees incurred from any other institution, or from previously authorized transactionsSimple remains willing to work with Ms [redacted] - [redacted] to help bring her account

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because:The company continues to lie about items and they did not include information that I tried to make certain arrangements to make payments and they continued to use the same account that they had previous but was informed that it was no longer active not only that the company was asked to change the day of the month to a certain day but they refused also Sincerely, [redacted]

Acima Credit ("Acima") received Mr***'s rejection of our response We have provided Mr [redacted] with an explanation of his Agreement with Acima and the applicable state sales taxes for which he is still liable If Mr [redacted] requires further information, we encourage him to contact our Customer Service Department at (801) 297-

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meI appreciate that they realized their error as I have been a great customer always paying on timeI appreciate the quick response Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because:There are incorrect statements made by the business I do not see an attached signed copy of the lease agreement Please provide The only documents I acknowledge signing were done in the store, as was a part of my application process, and was then charged an application fee which I paid on my debit card I was then told by SImple and the merchant that my agreement would be effective once I received my items complete and in full working conditionThey still are not I never said that I would not agree to pay Simple once my items are delivered and in full working conditionThe statement about me simply missing pillows is also a lie The merchant's own delivery person acknowledged that complete parts were not in the boxes I have sent them photos of a portion of a sectional with pillows on it I am missing an entire half of a sectional sofa with the pillowsfor example.The statement about me intentionally breaking a bed frame to avoid payments is a lie and inflammatory Again, I am not attempting to avoid payment, My dispute is with the start date, and the face they have me delinquent.My dispute is the date that Simple started payments, which they agreed (and I have the text messages) they would not start my financing until my order was correct I want the current account closed as satisfied, and a new account opened once my items are in my receipt and in full working order Sincerely, [redacted]

On January 31, 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”) 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 Ms [redacted] alleges Acima has charged and collected double sales tax from her on her purchase of two chaise lounges (the “Property”) through the Agreement This is untrue Acima purchased the Property from a third-party merchant, American Direct Factory Furniture, located in Indianapolis, Indiana At the time of purchase, Acima did not pay sales tax on the purchase Acima is tax exempt on purchases and licensed to collect and remit sales tax after the resale of the Property to Ms***Indiana tax code requires Acima to charge tax on all rental payments made by customers toward the purchase of their property Ms [redacted] was charged sales tax on each payment she made, including her payoff payment, to Acima for the purchase of her Property as required by the Indiana lawWe hope this explanation helps Ms [redacted] understand her tax obligations to Indiana for the purchase of her Property If Ms [redacted] has further questions or concerns, we encourage her to call our Customer Service Department at (801) 297-

Simple RTO, LLC (DBA: Simple Finance, hereinafter “Simple” or “us” or “we”) received the complaint filed by Ms [redacted] through the Revdex.com on September 28, 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 Ms [redacted] Simple is a virtual rent-to-own organization that provides alternative leasing options to those who do not qualify for traditional financing optionsWe purchase household goods from independent third-party merchants and then offer a 12-month lease of our purchased property to consumers who are approved for our servicesMs [redacted] applied and was approved for this leasing service on November 13, In Ms [redacted] ’s complaint she states, “Money was taken out of my bank account when they should have not.” The Agreement states, “ lease payments of $are due monthly” and that “You authorize us to initiate an electronic fund transfer (“EFT”) over the ACH network for any scheduled payment you owe under this Agreement ” The original due date for each month was set on the 9th of each monthHowever, Ms [redacted] called Simple and requested a change in her monthly due date to the 20th of each monthMs [redacted] called Simple again before her payment was due on the 20th and requested that her payment due date be changed to the 28th of each month.Simple processed the regular renewal payment on the 28th of each month; however, due to an error in our computer system, the regular payment due date was changed from the 28th of each month to the 26th of each monthThroughout the course of Ms [redacted] ’s lease, there have been a total of payments processed that were returned to us unpaid due to insufficient funds, incurring a Returned Check Fee of $for each returned payment for a total of $in feesWhen Ms [redacted] notified Simple of the due date being on the 26th and not the 28th of each month, we corrected the error and waived $in Returned Check Fees.As of now, Ms [redacted] has a remaining balance of $to be paid in more individual payments of $and payment of $If Ms [redacted] chooses to exercise an Early Purchase Option, she may obtain ownership of the property early by paying $before October 4, 2016.Simple has answered all the questions of Ms [redacted] to her satisfaction and she was notified us that she is satisfied with the status of her lease and pleased that we have waived the $in Returned Check FeesWe look forward to continuing our business relationship with Ms [redacted] in the futureChelsea A***| Compliance Officer | Simple Finance P: | F: Monroe St4th Floor, Sandy UT, [redacted] | www.simplefinance.com

We are sorry our response was not satisfactory to Ms [redacted]

Complaint: [redacted] I am rejecting this response because:The representitive Sade T [redacted] confirmed verbally with me that no payment would be deducted on the specified date The payment came out anyway and when I spoke with MsT [redacted] she denied that she had not confirmed that I could call in and pay the past due ount and the current amount due THIS SHOWS HOW WELL THIS BUSINESS COMMUNICATES OR CONFIRM FACTS I have spoke with the first person to have understanding of what has happened I have made a payment since this complaint was filed and proper arrangements are left for the $that I was past due The bottom line is this company has access to withdraw funds from my account at there will and they excercised that right regardless to me communicating with them for more time I was promised and the payment still came out I still have not recovered financially and only needed a week to settle my debt with this awful company Again I HAVE MADE PROPER ARRANGEMENTS AND ONCE I PAY THIS OFF IN DECEMBER I WILL SPEAK WITH THE OWNER OF ATL CUSTOMS AND LET HIM KNOW EXACTLY HOW THIS COMPANY DOES CUSTOMERS THAT HE SENDS THEM I have used another company with ATL customs and I will return to ACIMA's competitor for my business next time Sincerely, And [redacted]

Acima Credit, LLC received the complaint filed by Mr [redacted] through the Revdex.com on November 6, We have prepared our response below Acima is a virtual rent-to- own organization that offers alternative financing to consumers who may not qualify for traditional financingAcima offers only one lease modelOur lease model constitutes a 12- month lease of the property to the customers wherein the customer rents the property from Acima for a period of 12-months before acquiring ownership of the property through regularly scheduled lease renewal paymentsAs a courtesy to our customers, Acima offers two early purchase options (“EPOs”); each of which reduces the cost of ownership to the customer, and terminates the Agreement earlier than the 12-month contractual term contained within the lease Our first EPO is our 90-Day EPOThis option allows our customers to purchase the property at the invoice price, plus a $initial lease payment and a $account closure fee, within the first days of the AgreementThe 90-Day EPO is our most affordable optionIn this case, the second EPO stipulates that Mr [redacted] may terminate the agreement at any time after the first days by paying a lump sum equivalent to 75% of the remaining lease renewal payments Mr [redacted] entered into a Lease-Purchase Agreement on August 5, wherein he agreed to rent tires through bi-weekly payments of $for a total of $unless he exercised an EPO as stated previouslyThe 90-Day EPO expired on November 5, In his complaint, Mr [redacted] expresses his dissatisfaction with the customer service he received when contacting AcimaWe find it unfortunate that he feels this way, however Acima is committed to providing excellent customer service through adequate training of all Acima representativesMr [redacted] claims that Acima spoke “before verifying the information on file.” We are unsure as to which specific incident Mr [redacted] refers; however, it is a company-wide policy to verify the identity of each customer before discussing private information on their accountMr [redacted] called Acima and authorized us to speak with his wife regarding any of his account information before we ever spoke with Mrs*** On September 9, 2017, Mrs [redacted] called Acima to inquire about her husband’s accountPursuant to Acima’s notes of the conversation, Mrs [redacted] was advised of the 90-Day deadline on November 5th, and was told that date fell on a Sunday when Acima would be closedShe was informed that she would need to call Acima before the 5th to exercise the 90-Day EPOThe next occasion we received any correspondence from the ***s was on November 6th, the day after the 90-Day EPO expiredMrs [redacted] wanted to exercise the 90-Day EPO and was informed that option had expiredDue to their recent hardship regarding a hurricane, Acima offered to extend the deadline for a feeMrs [redacted] became upset that Acima was assessing a fee in order to exercise the 90-Day EPO What Mrand Mrs [redacted] have failed to understand is that Acima is under no obligation to honor the 90-Day EPO beyond it’s deadlineAs a courtesy to the ***’s we have offered to extend the deadline for a fee, despite not having any legal obligation to do soAny fee we require to extend the 90-Day EPO is non-negotiable In his complaint, Mr [redacted] states he never received a statement or bill from AcimaThis is because Mr [redacted] does not have an account with Acima that is federally mandated to produce statements such as a bank account, nor does Mr [redacted] have any “bills.” He engaged in a Lease-Purchase Agreement that is renewed every week through his renewal paymentsShould Mr [redacted] wish to terminate his Agreement, he may do so without penalty by returning our property to us Mr***’s desire resolution to his complaint is to exercise the 90-Day EPO without paying any fee for a deadline extensionThis request is rejected, and the fee is non-negotiableMr [redacted] was offered an opportunity to extend the 90-Day EPO for a fee, but did not accept this offerThe offer to extend the deadline for a fee is no longer availableMr [redacted] also stated that he wants to pay his account without “interest.” Acima does not charge interestMr [redacted] entered an Agreement to rent property through renewal payments until he paid a total of $to acquire ownership of the property If Mr [redacted] may exercise his second EPO and purchase the property by paying 75% of the remaining lease renewal payments by calling Customer Service at (801) 297-

Simple RTO, LLC (DBA: Simple Finance, hereinafter “Simple” or “us” or “we”) received the complaint filed by Ms [redacted] through the Revdex.com on September 16, We have investigated the allegations made and are prepared to provide the facts surrounding the transaction and to fully explain the nature of the Lease-Purchase Agreement (the “Agreement”).Simple is a virtual rent-to-own organization that provides alternative leasing options to those who do not qualify for traditional financing optionsWe purchase household goods from independent third-party merchants and then offer a 12-month lease of our purchased property to consumers who are approved for our services.If a customer pays all of the lease renewal payments, or exercises an Early Purchase Option (“EPO”) (described below), they may acquire ownership of the propertyMs [redacted] applied, and was approved for, this leasing service from SimpleOn June 18, 2016, Ms [redacted] electronically signed the Agreement with Simple to lease our property, that we purchased from an independent third-party located in Temple Hill, MDWe presume that Thomas was/is an employee of JMD, whom we shall refer to as the “Merchant”As we are a virtual company we were not present at the time the lease was signed and as such have no way of verifying the validity of the allegations made regarding the MerchantTherefore, we will only address Ms [redacted] ’ issues pertaining to the terms of the lease agreement.Ms [redacted] states in her complaint that, “The day buy out is not the total of the exact purchaseThe total buy out amount to the $A $buy out fee was tacked on.”Before signing the Agreement, Ms [redacted] had access to a copy of the Agreement and was able to fully review the conditions therein prior to signing the AgreementShe had the opportunity to be made aware of all the terms of the buyout and the associated fees which are stated in the Agreement as follows: “You may choose to purchase the Property at any time during the first ninety (90) days of this Agreement by paying $(“Day Buyout”)The 90-Day Buyout amount equals the Simple Cash Price, plus a 90-Day Buyout Fee of $10.00, minus any periodic lease payments you have made, plus any other charges” and that, “The ‘Simple Cash Price’ equals $776.10, which is the unpaid retail price of the Property quoted by the Merchant (also known as the “Invoice Amount” which includes tax), plus the Initial Lease Payment.” Ms [redacted] alleges that, “Simple finance is available to set up your payments and so forth, no longer make their self available after a whileI have been trying to call them and every time I call, I never get an answerThe recording asks if I want to leave a message and to press I press one and the recording says they are closed and to leave a message and someone will get backThat never happens.”If Ms [redacted] would like to speak with one of our representative she needs to call during our business hours, which are Monday-Friday from AM to PM MST (AM to PM EDT) and Saturdays from am to pm MST (AM to PM EDT)We received the voicemail left by Ms [redacted] on September Simple returned her call and left her and a voice messageMs [redacted] also states, “I am stuck going over the day buy out because there is no one to accept my extra payments so that I won’t have to pay twice for a couch.”The Agreement identifies that we afford the customer two EPOsThe two (2) EPOs available are; first, the 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”).;” and the second EPO, “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 charges.” Since the 90-Day Buyout Option has expired, the only remaining Early Purchase Option will allow Ms [redacted] to purchase the property by paying seventy-five 75% of the total remaining periodic lease payments, plus any other chargesAs of the date of this response, her EPO is $829.35; this EPO is good until her next payment which is due on October 7,

Acima Credit, LLC (“Acima”) received the complaint filed by Ms [redacted] through the Revdex.com on March 3, Ms***’s complaint states that Acima would not respond to her complaint regarding paying off her lease Acima is a virtual rent-to-own (RTO) organization offering alternative financing for those who may not qualify for traditional financing Acima offers only one lease model Our lease model constitutes a 12-month lease of the property to the customer wherein the customer rents the property from Acima for a period of months before acquiring ownership of the property through regularly scheduled lease renewal payments 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 terminates the Agreement earlier than the 12-month contractual term contained within the lease The first option is a 90-Day EPO This option allows our customers to purchase the property at the invoice price, plus a $initial lease payment and a $account closure fee, within the first days of the Agreement 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 payments To exercise either EPO, a customer must call Acima’s Customer Service Department and initiate the payoff process Acima will not initiate the 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 from the customer’s preferred payment method On November 25, 2017, Ms [redacted] entered into a lease-purchase Agreement with Acima wherein she agreed to rent a refrigerator for months through twice-monthly payments of $for a total of $(the “Total of Payments”) to acquire ownership of the propertyIf Ms [redacted] were to exercise her 90-Day Option, she would be required to pay a total of $by no later than February 25, (90-Days after the commencement of the Agreement)Ms [redacted] called Acima on March 1, requesting to exercise her 90-Day OptionMs [redacted] was informed by our representative that the 90-Day Option had expired, and she would be required to either exercise the second Option or pay the Total of Payments to obtain ownership of the property and terminate her lease Ms [redacted] informed Acima that her property was delivered on November 27th, but later was returned and replaced with new propertyAfter Acima verified the return and replacement of the property with the merchant, we adjusted the expiration date of her 90-Day OptionThe deadline was adjusted to March 5, On March 5, 2018, Ms [redacted] called Acima to initiate a final payment under the 90-Day Option to terminate her account as paid in fullPending that her payment is not returned to us unpaid, and is not charged back, Ms [redacted] will obtain ownership of the property At this time and according to our understanding, Ms [redacted] feels her complaint has been resolved

Acima Credit, LLC (hereafter “Acima,” “us,” “we,” “our”) received the complaint filed by Ms [redacted] through the Revdex.com on August 28, We have investigated all the allegations in the complaint and have provided a response below to address the facts surrounding the transaction regarding the Lease-Purchase Agreement (“Agreement”) between Acima and Ms [redacted] , and to explain the contractual obligations contained thereinAcima is a virtual rent-to-own organization that offers alternative financing to those who may not qualify for traditional financingOn October 10, 2016, Ms [redacted] applied and was approved for our leasing services through an independent third-party retailer – Furnish (the “Merchant”) – located in Davenport, IAOn this date, Acima purchased a loveseat (the “Property”) from the Merchant on behalf of Ms [redacted] for $1,(the “Invoice Amount”)Acima offers only one lease modelOur lease model constitutes a 12-month lease of the property to the customer wherein the customer rents the property from Acima for a period of months before acquiring ownership of the property through regularly scheduled renewal paymentsAs a courtesy to our customers, Acima offers two early purchase options (EPOs); each of which reduces the cost of ownership to the customer, and terminates the lease earlier than the 12-month contractual term contained within the AgreementOur first EPO is our 90-Day OptionThis option allows our customer to purchase the Property by paying the Invoice Amount, plus a $closure fee, within the first days of the AgreementThe 90-Day Option is our most affordable optionThe second EPO stipulates that a customer may terminate the Agreement at any time by paying a lump sum equivalent to 75% of the remaining lease renewal paymentsIn order to exercise either EPO, a customer must be currents on payments, and call Acima’s Customer Service Department to initiate the payoff processOn October 10, 2016, Ms [redacted] entered into the Agreement with Acima wherein she agreed to rent the Property for the duration of the 12-month rental term by making bi-weekly payments of $for a total of $3,429.60, unless she exercised an EPOIn her complaint, Ms [redacted] claims she called Acima times in an effort to return the Property to us and terminate the leaseAcima keeps record of all outbound and inbound calls for each leaseOur records show that after the lease was funded, Ms [redacted] never contacted Acima againAcima’s representatives leave notes in the account for every correspondence received from customersIn Ms [redacted] ’s account, there are notes that reflect an Acima representative left a message for Ms [redacted] on February 22, 2017, and again on May 9, when an Acima representative contacted Ms [redacted] to inform her of her past due balanceDuring the call on May 9th, Ms [redacted] informed Acima she may consider doing a return/piof the Property but that she wanted to speak with her husband about a payment plan to catch up on her past due balanceShe informed us she would call Acima back, but she never didOn May 9, 2017, Ms [redacted] was sent piinstructions that would explain the process by which she may terminate her Agreement by returning the Property to usAcima’s Resolutions Department handles all lease terminations and pick-upsIf Ms [redacted] wishes to terminate her lease, our Resolutions Department will contact her with the instructions on how to do soAs stated previously, Ms [redacted] never contacted Acima to notify us about a lease terminationTherefore, no termination was ever initiatedMs [redacted] currently is in possession of the Property and has a past due balance of $2,While Ms [redacted] ’s is delinquent, it will be reported as such to ExperianMs [redacted] claims in her complaint that she was unaware of certain obligations of the Agreement, and also claims that the Agreement doesn’t state the amount owed to acquire ownership of the PropertyWe encourage Ms [redacted] to read her Agreement thoroughlyUpon doing so she will find the payments owedAcima has not acted outside of the terms of the AgreementIf Ms [redacted] requires a copy of her Agreement, she may contact the Customer Service Department at (801) 297-to request oneAs of the date of this response, Ms [redacted] has paid a total of $1,towards the Total of Payments of $2,She has a past due rent balance of $1,plus fees past due of $for a total past due balance of $2,Ms [redacted] requested as a desired outcome that Acima stop threatening to report to the credit bureaus her delinquent transaction history with AcimaAcima will only report accurate transaction historyIn Ms [redacted] ’s case, we will report negatively as her account is delinquentOnce Ms [redacted] has cured her default, we will happily report her account as currentIf Ms [redacted] has further questions regarding her lease, she may contact our Customer Service Department

On March 21, 2018, Acima Credit, LLC (hereinafter “Acima,” “we,” “us,” “our”) received a complaint filed by Mr [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 Mr [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 The first option is a 90-Day EPO This option allows our customers to purchase the property at the invoice price, plus a $initial payment and a $account closure fee, within the first days of the Agreement 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 payments Our customers may enroll in a 90-Day payment plan to automatically exercise their 90-Day EPO anytime after their first lease renewal payment is madeMr [redacted] enrolled in this plan twice and the plan has been terminated each time due to failed payments Mr [redacted] alleges that we have not provided him with notice of the fee amounts and have not allowed him to plead his case Pursuant to Paragraph of the Agreement, Acima is authorized to charge up to a $returned payment fee and a $late payment fee Acima waived Mr [redacted] first returned payment fee from his February 26, payment because we had incorrect banking information on file We corrected Mr [redacted] ’s banking information and re-enrolled him in the 90-Day EPO payment planMr [redacted] had a second failed payment incurring a $non-sufficient funds fee and a $late fee Our agent told Mr [redacted] that he had incurred $of fees on his returned payment and if he provided a bank statement showing there were available funds in his account at the time the payment was drafted, we would waive the fees Mr [redacted] has not provided Acima with this information, however, we will credit his account for the $in feesThis is a one-time courtesy to Mr [redacted] We appreciate our patrons and seek to offer the highest degree of customer service We hope Mr [redacted] finds this solution satisfactoryIf Mr [redacted] had remaining questions, he may contact our Customer Service Department at (801) 297-

On December 23, 2015, [redacted] entered [redacted] ***, an independent third-party located in StPeters, MOThe resulting transaction between Mrs [redacted] and [redacted] required the leasing services of Simple RTO, LLC (DBA: Simple Finance, hereafter “Simple” or “us” or “we”) Mrs [redacted] signed the “Lease Agreement with Right to Purchase”, which describes therein the terms of payments owed Mrs [redacted] stated, “I purchased furniture at the cost of I paid in daysSimple is a virtual rent-to-own organization that provides alternative leasing options to those who do not qualify for traditional financing optionsWe purchase household goods from independent third-party merchants and then offer a 12-month lease of our purchased property to consumers who apply for our servicesMrs [redacted] applied for, and was approved for, this leasing service from Simple on December 23, She claims that she purchased furniture at the cost of $1,However, Simple Finance purchased the property and is leasing that property to Mrs [redacted] according to the terms laid out in the “Lease Agreement with Right to Purchase”In the Lease Agreement it clearly explains both Early Purchase Options offered by Simple: the first is the 90-Day Option, and the second is the 75% Early Purchase Discount OptionIn the Agreement is states, “The 90-Day Option amount equals the Simple Cash Price [$1306.11], plus a $payment processing fee, minus any periodic lease payments you have made ” The 90-Day Option amount required that Mrs [redacted] pay $by the deadline of March 23, (days from the commencement of the Lease Agreement)Mrs [redacted] claims to have paid $by the 90-Day deadline, however by March 23, 2016, she had paid $of the $90-Day Option amount Mrs [redacted] claims, “I was not told that the day same as cash was over when I called to pay the 400.” Mrs [redacted] has made a total of ten (10) pre-arranged regular minimum payments by automatic draft for a total of $Our records do not indicate that Mrs [redacted] called Simple to make an extra payment of $400, nor that she ever called us to receive information regarding her remaining balance prior to May 18, Mrs [redacted] stated, “They tell me I owe 1500.” The Lease Agreement states, “The total of your payments will be $2,(“Total of 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 outlined herein.” Mrs [redacted] has paid $of $2,leaving her a remaining balance of $1, Mrs [redacted] claimed, “I called days after day agreement was over and they are penalizing by telling me to pay an extra $1500.” The only time Mrs [redacted] called Simple Finance was on May 18, at 6:PM (MST) to ask for her remaining balanceMrs [redacted] became upset at the remaining balance and requested to speak with a supervisor who explained to her the terms of the lease and that the 90-Day Option had expired on March 23, According to the notes made by the supervisor, Mrs [redacted] said she “did not read the contract but she will not pay more or extra” for the leased propertySimple Finance is not penalizing Mrs [redacted] by charging “extra”We are simply following the terms of the Lease Agreement that we entered into with Mrs***The EPO is a contractual courtesy offered to our customersMrs [redacted] is solely responsible for exercising the 90-Day OptionThe Lease Agreement also states in paragraph three (3), “WE OWN THE PROPERTYThis Agreement is a lease; a lease is a legal arrangement whereby the lessee/renter (you) agrees to pay the lessor/owner of the property (us) for use of the property for a specified period of timeYou make lease renewal payments for the use of the Property for each lease renewal period onlyYou do not obtain any ownership rights unless you pay the Total of Payments, above, or exercise an early purchase optionYou do not have the right to keep the Property if you do not make timely lease renewal payments.” Mrs [redacted] stated, “This place is ripping innocent people off and this reminds me of unfair lending and sound like predatory loans.” Simple Finance is not a lenderMrs [redacted] did not receive a line of credit or a loanShe entered into an agreement to rent two (2) sectionalsIt states in paragraph one (1) of the Lease Agreement, “ lease payments of $are due every-other-week thereafter while the Agreement remains in force ” These regular minimum payments renew the lease every other week for a term twelve (12) monthsIf Mrs [redacted] is unable to exercise the 90-Day Option, she still has the opportunity to exercise her remaining Early Purchase Option by paying “seventy-five (75%) percent of the total remaining periodic lease payments, plus any other charges.” Simple Finance adheres to, and complies with, the strict laws and regulations that govern the leasing industry and has not violated those restrictions Mrs [redacted] stated that her desired settlement as, “Allow me to pay remaining balance for the actual furniture which is Do not tell me to pay the or an early pay off of 25% which is I want to be treated fairly and I will pay what I truly owe 400.00” As stated previously, Mrs [redacted] has not been penalized for allowing her 90-Day Option to expire, rather she is held responsible for the original terms of the Lease AgreementIf Mrs [redacted] does not wish to honor her Lease Agreement and the terms found therein, Simple Finance will formally request that the property be returned to usAs stated in the Lease Agreement, “You do not have the right to keep the Property if you do not make timely lease renewal paymentsIf you would rather purchase the Property now, you should consider cash or credit terms that may be available to you.” Mrs [redacted] claimed the 90-Day Option had expired within days when she attempted to pay it off entirely; which is a claimFrom the time the 90-Day Option had expired on March 23, to the date that Mrs [redacted] called Simple Finance to obtain her remaining balance, fifty-seven (57) days had passedSimple attempts to treat all customers fairly by offering two (2) Early Purchase OptionsAlthough Mrs [redacted] has failed to execute her 90-Day Option she still has the 75% Early Purchase Discount Option available to her should she choose to payout and close her lease

On January 19, 2018, Acima Credit, LLC (hereinafter “Acima,” “we,” “us,” “our”) received a complaint filed by Mr [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 Mr [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 August 15, 2017, Mr [redacted] entered the Agreement to rent queen mattresses, bed frames, and box springs (the “Property”) from Acima Mr [redacted] was scheduled for bi-weekly payments of $for the period of months On September 5, 2017, Mr [redacted] called and notified Acima that he had been a victim of the Hurricane Harvey disaster and needed to defer his regularly scheduled payments until September 20, Acima was happy to accommodate this request and deferred Mr [redacted] ’s payments until automatic payments resumed on October 13, We did not charge Mr [redacted] late fees on payments during this time period Mr [redacted] alleges that Acima has been monitoring his checking account and withdrawing payments upon any deposit into his checking account This is not true Acima only charges payments to our customers’ checking accounts as authorized under the regular lease renewal payment schedule authorized under Paragraph of the AgreementMr [redacted] contracted for bi-weekly payments due every-other Friday Acima attempted to take payments from Mr [redacted] on October and 27, November and 24, December and 22, and January and January according to the payment schedule authorized in the Agreement Mr [redacted] called Acima to arrange catand one-time payments to begin paying off his past due balance Mr [redacted] alleges that Acima has threatened legal action against himAcima presently has no intentions of pursuing legal action or relief against Mr [redacted] and has not made any threats to this effect Mr [redacted] alleges Acima is calling him six times per day Acima operates the collection calls on an automatic dialer The dialer is programmed to call a customer not more than three times per day Acima keeps detailed call records Our records show we have not called Mr***s more than three times in one day Acima has demonstrated flexibility and understanding with Mr [redacted] We understand that the natural disaster has placed financial stress on our customers located in affected areas Acima accommodated Mr [redacted] ’s request to defer payments until September 20, and have attempted to arrange catplans to help Mr [redacted] get his payment schedule back on trackIf Mr [redacted] would like to change his payment frequency, or has further questions or concerns, we encourage him to call our Collections and Recovery Department at (801) 297-to receive further assistance

I have tried to explain several times to this company the situation & how they are in the wrongI have also submitted documents proving thisThey do not read their emails, all they do is send automated, generic messagesBecause of this the matter will never be resolved with them Complaint: [redacted] I am rejecting this response because: Sincerely, [redacted]