Acima Credit

Acima Credit, LLC (hereinafter “Acima”) received the complaint filed by Ms*** *** through the Revdex.com on April 30, We have investigated her complaint and prepared a response below 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 lease. The 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 made. After 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 50% of the remaining lease renewal payments Ms*** entered into a lease-purchase agreement (the “Agreement”) with Acima on October 2, 2017, wherein she agreed to rent a king bed and mattress set, and two twin beds and mattresses through twice-monthly payments of $(not including tax) for a total of $4,to acquire ownership of the propertyMs***’s regularly scheduled renewal payment, including sales tax, was $ Ms***’s 90-Day EPO expired on January 22, On January 31, 2018, Ms*** contact Acima to inquire about her remaining balanceShe was notified during that conversation that her 90-Day EPO had expired but she still had the option to exercise her second EPO On March 19, 2018, Ms*** called Acima to change her banking information; however, at the time, she had a pending payment on her account and could not change the payment informationThe representative with whom she spoke, notified her she would need to call Acima after the payment cleared to update the payment informationThe Acima representative advised Ms*** that if the pending payment returned to us unpaid, she would be assessed a Non-Sufficient Fund (NSF) fee, as contracted for in the AgreementMs***’s March 19th payment did not return to us unpaidAfter March 19th, Ms*** never called Acima again to update her payment information On April 19th, Ms*** failed to make a renewal payment, and was assessed an NSF fee of $20.00, and a late fee of $Ultimately, Ms*** exercised her second early purchase option and paid a total of $3,to acquire ownership of the PropertyShe was assessed a total of $in late and NSF feesThe fees assessed to Ms***’s account were contracted for under the Agreement

Acima Credit, LLC (FKA: Simple Finance; hereinafter “Acima” or “us” or “we”) received the complaint filed by Ms*** *** through the Revdex.com on February 28th, 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***.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 August 22nd, 2016, Ms*** applied and was approved for our leasing services through an independent third-party, Capital Discount Furniture (the “Merchant”), located in Temple Hills, Maryland Ms*** was approved for $1,of financing to purchase a queen size bed and mattress set, a dresser mirror (the “Property”) Our Agreement is a 12-month lease of the Property from Acima to Ms*** The Agreement stipulates she must pay regular lease renewal payments of $bi-weekly for twelve (12) months to acquire ownership of the Property The total of all payments she would make for the duration of the 12-month lease is $2,unless she exercises one of the two early purchase options (EPOs) available to her She paid a $application fee in-store and a $account closure fee is added into the 90-Day early purchase option (EPO) to give the total 90-Day price of $1, The 90-Day EPO is a courtesy we provide to our customers to allow them to pay off the Agreement early to save some money Ms***’s 90-Day expiration date was December 29th, 2016.Ms*** alleges in her complaint that “since the furniture totaled $1,200.00, [she] calculated that [she] would complete payment by Spring of or so.” Nowhere in the terms of the Agreement is this a stipulated or valid payment plan The payment terms in the Agreement stipulate that the Agreement can be terminated for the retail price of the Property within the first days of the Agreement term Because Ms*** did not pay off the retail price of the Property by December 29th, 2016, she was ineligible to terminate the Agreement for the retail price of the Property She is now paying off her full contracted amount of $2, The terms of the Agreement were in place before its initiation By signing the Agreement, Ms*** legally agreed to the payment methods and amounts therein Ms*** does not have the authority to decide when and how much she is willing to pay towards the Property Ms*** alleges in her complaint that the difference between the contracted price ($2,782.34) and the retail price ($1,380.10) was not relayed to her At the time Ms*** signed the Agreement, the Agreement in its entirety and containing all price information was available for viewing and printing prior to signing Additionally, Acima sends a copy of the Agreement and a Welcome Letter to the customer after the lease is funded We have record of sending these documents to Ms*** at her new address listed on file on September 13, The documents were not returned as undeliverable to Acima by the USPS Therefore, we had no reason to believe Ms*** did not receive a copy of the Agreement.The Agreement is a binding contract between Ms*** and Acima The Merchant is a third-party to the Agreement between Ms*** 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***’s behalf and provided information regarding the Agreement upon which Ms*** based her decision to initiate the Agreement If Ms*** feels the Merchant was untruthful or hid terms of the Agreement, she must seek relief with the Merchant Ms*** claims in her complaint that she was stripped of the “right to choose” in her participation in this transaction At no time did Acima hold Ms*** under duress to sign the Agreement Ms*** was a willing party in this transaction and has agreed to maintain participation as stipulated by the Agreement Ms*** maintains the right to terminate the Agreement by exercising her second EPO or by returning the Property to us and paying any applicable outstanding balances We hope Ms*** finds this information satisfactory If Ms*** requires or desires further assistance with her Agreement, we encourage her to contact our Collections Department at (801) 297-

On January 26, 2018, Ms*** *** rejected our first response to her complaint alleging she will not pay for damaged property and wishes to proceed with arbitration As stated in our previous response, Paragraphs and dictate the condition of the Property, maintenance responsibilities, and disclaimer of warranty on the PropertyMs*** may refer to her Agreement to obtain a full description of her maintenance obligations and property condition disclaimerIf Ms*** wishes to arbitrate this dispute, she may initiate the arbitration process by following the instructions under Paragraph of the AgreementLastly, Ms*** may return all of the Property to Acima and pay any outstanding balances and other charges to terminate the Agreement If Ms*** wishes to terminate the Agreement by returning the Property, she may call our Customer Service Department at (801) 297-to request the piinstructions

Acima Credit (“Acima”) received Mrs***’s second rejection of our response on March 31, We regret Mrs*** finds our explanation and Agreement terms unsatisfactory As stated in our previous responses, the Agreement is a legal binding contract between Acima and Mrand Mrs*** As stated in Section of the Agreement, Acima maintains the right to repossess the Property if Mrs*** does not uphold the Agreement terms If Mrs*** no longer finds the terms of the Agreement desireable, we encourage her to call our Resolutions Department at (801) 297-to negotiate a settlement or initiate a return of the Property We thank Mrs*** for her business and hope to resolve her grievances within the terms of the Agreement

On August 24, Simple RTO, LLC (d/b/a: Simple Finance, hereinafter “Simple” or “us” or “we”) received the complaint filed by Ms*** *** through the Revdex.comOn March 17, 2016, Ms*** entered Price Busters Furniture (the “Merchant”), an independent third-party located in
Hyattsville, Maryland, and conducted a transaction that required the leasing services of SimpleMs*** signed a “Lease-Purchase Agreement” (the “Agreement”), which allowed her to possess tangible personal property owned by Simple, by paying periodic lease renewal paymentsThe Agreement states the terms of payments owed, and the nature of the AgreementSimple 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 servicesIf 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*** applied and was approved for this leasing services from Simple on March 17, Simple purchased a table, chairs, and a sofa (the “Property”) from the Merchant and leased the Property to Ms*** through a 12-month Agreement wherein Ms*** agreed to pay $2,for ownership of the Property through bi-weekly payments of $over the course of monthsThe Agreement identifies the total of payments and EPOs“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 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 $1,(“90-Day Option”).;” and the second EPO, “After ninety (90) days of this Agreement, you may purchase the Property by paying the Simple Cash Price multiplied by the number of payments remaining for ownership, divided by the total number of payments necessary for ownership, plus any claims charges.” In her complaint, Ms*** said “The sales rep quoted me a price of $I paid all but $and applied for that outstanding amountI received an approval for $and I didn’t use the entire amount that I was approved for.” Simple confirms that Ms*** was approved for $and used $to lease the PropertyMs*** also stated “The [merchant} representative notified me that I had an interest free days and after that timeframe if the furniture wasn’t paid for I would begin to accrue interestI did not pay the balance owed within days … I contacted Simple Finance today to get an updated amount of what I owedTo my surprise, I was informed that I owed $1200… As if I haven’t made payment and I’ve been paying on time for more than monthsThat’s double the amount I agreed to pay in the store.” Simple cannot comment on the nature of the discussion that occurred between the Merchant and Ms*** as Simple was not a present party for the discussionHowever, there is not a penalty for not exercising an EPO by the deadlineThere is no interest after the 90-Day Option has expiredThe lease renewal payments are calculated to pay the Total of Payments which equate to $2,of the course of the 12-month leaseMs*** had the opportunity to purchase the Property within the first days of the Agreement by paying $1000; however, she did not exercise her first 90-Day OptionTherefore, she is obligated to the terms of the Agreement which state she must pay the Total of Payments which is $Ms*** states, “I expressed my dissatisfaction and requested that payments stop being deducted from my account and that they come get their furniture ASAP or I will close my bank accountLevi then explained that I would be breeching my contract by doing so and said he would put in a request for repossession of the items.” If Ms*** were to remove all payment methods from her account, or close her bank account, and remain in possession of the Property without payment, she would be in breach of the AgreementHowever, if Ms*** wishes to terminate her lease, she may do so at any time by adhering to the Agreement, which states the two (2) termination options available to her at this point in timeMs*** may exercise her second EPO option by paying $to acquire ownership of the Property, or she may terminate her Agreement by returning the PropertyAs stated in the Agreement, “You may terminate at any time without penalty by returning the Property … and paying us any unpaid lease payments, plus any other charges due …” Ms*** has requested a piof her Property and has been placed on a list for pick-upAll payments from her account will cease as soon as she complies with our piprocedure, which is to e-mail pictures of all the Property as previously requestedMs*** said, “…I will reopen my chapter bankruptcy case to include this company…” The Chapter Voluntary Petition of Ms*** was filed on February 19, Contrary to the position of Ms***, the lease with Simple began when Ms*** acquired our Property, on March 18, The Agreement commenced after the filing of her bankruptcy, and is considered a post-petition debt, and is not eligible for dischargeMs*** claims, “At no point did I receive a contract and the email I did receive had no amount stated if payments weren’t made within days.” Ms*** was able to review the contract at the Merchant store, prior to signing itSimple also mailed a copy of the Lease Agreement on March 23, and Ms*** would have received it on or about days afterMs***’s failure to read and review the Agreement prior to signing does not negate her obligation to honor the AgreementMs***’s desired settlement is, “Pick up of furniture ASAP”Simple has put Ms***’s request for pion the list and will be contacted by our third-party service to schedule a time to piher propertyIf Ms*** wishes to keep the Property, Simple is willing to negotiate and offer a settlement of $If Ms*** wishes to accept this settlement offer, she may acquire ownership of the Property and all further payments will ceaseMs*** has been an excellent customer for the duration of her lease and has made every payment on timeWe sincerely appreciate her business and hope to hear from her promptly as to know if she desires to accept the settlement offer, or wishes to proceed with the piof her furniture

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

Acima Credit, LLC (hereinafter “Acima,” “us,” “we,” “our”) received Mr***’s rejection of our response on April 24, 2018.After reviewing Ms***’s complaint and account, we would like to speak with Mr*** directly to understand more about his application process We ask that Mr*** email our Compliance Department at [email protected] or call us at (801) 297- We look forward to working with Mr***

Acima Credit, LLC (FKA: Simple Fi***; hereinafter “Acima” or “us” or “we”) received the complaint filed by Ms*** *** through the Revdex.com on April 16, 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***.Ms*** called Acima on April 11, to inquire about our 90-day early purchase option (EPO) During this call, she was informed that her first monthly payment is due April in the amount of $plus 8.25% rental sales tax and to pay off her lease within days, she must call in additional payments Our agent made Ms*** aware that additional payments will pre-pay her account and diminish her regular monthly payments At this time, Ms*** elected to make an additional payment of $($toward rent and $tax) towards her 90-Day EPO balance of $through an ACH payment routed to her checking account During this phone call, our agent informed Ms*** that ACH payments can take up to days to clear her bank and that the payment made during the phone call must clear for the payment to reduce her regular monthly payment Ms*** was informed that if the additional payment of $clears her bank before her regular monthly payment due on April 14, her monthly payment would be due in the amount of $plus tax instead of $plus tax Because the additional payment initiated on April did not clear her bank before April 14, her regular monthly payment was drafted in the full amount of $plus tax (totaling $87.68) Ms*** has reported to us that she will place stop payments on both payments If she follows through with this threat, her account will be considered past due and her account will be sent to our Collections Department Ms*** has asked that her payments be applied to her next regular monthly payment scheduled for May 15, If the payments from April and clear in our system, her account will be pre-paid and will credit her payment due May We hope Ms*** finds this explanation satisfactory We appreciate Ms***’s business and look forward to working with her If Ms*** requires or desires further information, we encourage her to call our Customer Service Department at (801) 297-

On November 28, 2015, *** *** entered Furniture &
Mattress Discount King (“FMDK”), located in Carlisle, PA, an independent
third-party merchant. The resulting
transaction between Mr*** and FMDK required the leasing services of Simple
RTO, LLC (DBA: Simple Finance, hereafter
“Simple” or “us” or we”) Mr*** filled out an application to lease
various furniture items through SimpleOn November 28, 2015, Mr*** signed
the “Lease Agreement with Right to Purchase” which describes therein the terms
of payments owed
1.
Mr*** stated in his complaint, “Unauthorized payments taken from bank
account various times and various amounts.”
The Lease Agreement fully explains the frequency of payments
processed and amounts owedIn section two (2), titled “Payments”, it says, “An
initial rental payment of $is due when this Agreement is signed, and
additional payments of $*** are due weekly thereafter while the Agreement
remains in force…” The Lease Agreement continues, “The total of your payments
will be $***.” By July 15, 2015, Mr*** had made thirty-three (33)
payments of $***, plus the “initial rental payment of $25.00”, for a total of
$***Mr*** still owed $*** to pay the full “Total of Payments”
of $***
On July 23, 2015, Simple processed a regularly scheduled
weekly minimum payment of $***, that later returned on July 31, On July
27, 2015, Simple processed the regularly scheduled weekly minimum payment of
$***, which also later returned unpaid on August 5, Pursuant to the
Lease Agreement, any failure to make a payment owed by its scheduled date
constitutes a breach of the Lease AgreementIn section eight (8), titled
“Default and Reinstatement”, it states, “You will be in breach of this Agreement
if you fail to make any payment within one (1) business day after its scheduled
date …” By August 5, 2015, Mr***’s account was found delinquent due to two
(2) regularly scheduled payments that returned to us unpaidHe was notified by
Simple of the returned payments, at which point a catplan was created to
bring Mr***’s account currentThe catplan later failed due to additional
returned paymentsMr*** authorized Simple to draft payments through the
financial institution provided to us in the applicationIn section nine (9) of
the Lease Agreement it says, “You authorize us to initiate an electronic fund
transfer (“EFT”) over the ACH network (or another network of our choosing) for
any scheduled payment you owe under this Agreement from the following account [Bank
Account].” Along with the minimum regular payment of $***, late fees and
returned payment fees were charged to the account pursuant to the authorization
included in the Lease AgreementIn section ten (10) it says, “You agree to pay
us $25.00…for each payment (check, debit, EFT, Card charge, or automatic
payment), which is returned to us unpaid.” It also states in paragraph eleven
(11), “Late Fees: If you fail to make your periodic payment on time, you will
be required to pay a late fee of 5% of the past-due payment or $3.00…”
2.
Mr*** also stated, “Threats for collections but still taking payments.”
Simple monitors the status of each account and any declined,
or returned paymentsWhen an account has become delinquent, it is subject to
collection efforts by representatives of Simple, for payments owed plus late
feesIt states in the Lease Agreement in section twelve (12), “Collection
Costs: You are responsible for all costs of the collection including attorney
fees, arbitration costs, court costs, charges and fees, costs of repossession,
and collection agency fees…” There were no “threats” of collections to Mr
***, rather, notices that collection efforts would be made by Simple if his
account remained delinquent
It also states in section 13, “Use of Property: You do not
own the Property unless you have made all payments required under this
Agreement…” Simple is the owner of leased property until the Total of Payments
has been receivedMr*** has not paid the Total of Payments owed to
institute a transfer of ownership of the propertyWe will continue our
authorized right to contact Mr*** in an effort to obtain payments owed to
usIf Mr*** is unwilling to make the Total of Payments, which has a
remaining balance of $***, then Simple will exercise its right to contact
him in an effort to repossess the property we ownIn the case that Mr***
wishes to reinstate his account, we will gladly engage in the appropriate
discussions to do soSimple is willing to work with Mr*** with respect to
additional late fees, if he will contact Simple immediately and make plans to
bring his account current

Acima Credit, LLC (FKA: Simple Finance; hereinafter “Acima” or “us” or “we”) received the complaint filed by Ms*** *** through the Revdex.com on February 25th, 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***.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 March 28, 2016, Ms*** applied and was approved for our leasing services through an independent third-party, Today’s Furniture (the “Merchant”), located in Philadelphia, Pennsylvania Ms*** was approved for $1,of financing to purchase a king size mattress, a bunk bed frame, two mattresses for the bunk bed, and a chest (the “Property”) Our Agreement is a 12-month lease of the Property from Acima to Ms*** The Agreement stipulates she must pay regular lease renewal payments of $weekly for twelve (12) months to acquire ownership of the Property The total of all payments she would make for the duration of the 12-month lease is $3,113.20, unless she exercises one of the two early purchase options (EPOs) available to her She paid a $application fee in-store and a $account closure fee is added into the 90-Day early purchase option (EPO) to give the total 90-Day price of $1, The 90-Day EPO is a courtesy we provide to our customers to allow them to pay off the Agreement early and save some money Ms***’s 90-Day expiration date was July 3rd, 2016.Ms*** alleges in her complaint that Acima charges “100% interest on their loans and the customer is not given this information.” On the contrary, Acima does not charge interest on our Agreements We distribute the total cost to ownership ($3,113.20) over the course of the 12-month lease term through weekly payments of $ The regular lease renewal payments reflect the total cost to ownership and the finance charge associated with leasing the Property Therefore, Acima does not charge interest as we are not extending loans but rather leasing the Property to Ms*** for a weekly fee of $for monthsFurthermore, Acima does provide all information regarding the Agreement At the time Ms*** signed the Agreement, the Agreement in its entirety was available for viewing and printing prior to signing Additionally, Acima sends a copy of the Agreement and a Welcome Letter to the address the customer provides on their lease application We have record of sending these documents to Ms*** on April 5, The documents were not returned as undeliverable to Acima by the USPS Therefore, we had no reason to believe Ms*** did not receive a copy of the Agreement Ms*** has asked Acima not to call her We will cease telephone communication with Ms*** Ms*** has stated she has placed a stop payment on her bank account and intends to discontinue her regular lease renewal payments As of February 28th, 2016, her account is days past due Per the Agreement, Ms*** does not own the Property and does not have the right to keep the Property and discontinue regular payments This is a breach of the Agreement If Ms*** wishes to keep the Property, she must honor the Agreement and make timely lease renewal payments and satisfy her past due balance If Ms*** no longer finds the terms of the Agreement desirable or cannot make her payments, she has the right to terminate the Agreement by returning our Property to us and paying any applicable outstanding balances We require Ms*** to contact our Collections Department at (801) 297-to resolve her delinquency immediately

Dear Revdex.com: Although the $early pay-off processing fee was part of the lease-purchase agreement, we will regardless refund her the $ She was a good customer We will do all we can to resolve this issue expeditiously Sincerely, Jesse S*Executive
Vice-PresidentSimple Finance

On January 20, 2018, Acima Credit, LLC received a complaint filed by Ms*** *** through the Revdex.comWe have contacted Ms*** independently and are working together on a solution to her complaint If Ms*** requires additional information, we encourage her to
call our Customer Service Department at (801) 297-

On March 15, 2018, Acima Credit, LLC (hereinafter “Acima,” “we,” “us,” “our”) received a complaint filed by Mr*** *** 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*** 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 To exercise either EPO, a customer must call Acima’s Customer Service Department and initiate the payoff processAcima 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 Acima builds and formulates our agreements based on the information we receive from the customer on their application for our services Mr*** listed that he received paychecks on a semi-monthly scheduleAcima formulated his Agreement such that each lease renewal payment would be drafted automatically from his checking account twice per month All payment terms, amounts, and authorizations are contained in Paragraphs 2, 3, 11, 12, and of the Agreement On November 24, 2017, Mr*** entered into the Agreement wherein he agreed to rent a sofa (the “Property”) from Acima through semi-monthly lease renewal payments of $for a total of $to to satisfy the Agreement The 90-day EPO of $and the $buyout fee expired on February 22, From the commencement of the Agreement, Mr*** has not cooperated with Acima representatives Acima records all telephone and online chat conversations with our customers to ensure the best customer service During a phone call on November 24, 2017, our agent explained the Agreement to Mr***, including the option to set up his account to automatically pay-off his Agreement within the 90-Day EPO period Our customers are permitted to set up this plan after their first renewal payment has been madeMr*** did not request enrollment in the 90-Day payment plan after his first renewal payment cleared his bank As stated in Paragraph of the Agreement, “Your first Renewal Payment will be due on the date of your first pay check received after our merchandise has been delivered, but no sooner than days after your delivery date.” Acima followed this provision and withdrew Mr***’s renewal payment of $from his checking account on December 4, Mr*** charged the payment back with his bank and called Acima stating he wanted to change his payment frequency to once monthly on the 20th of every month Our agent offered to change his frequency to monthly on the 20th of every month and advised him it would raise the payment amount from $to $He refused this offer and requested to return the PropertyOur agent emailed the piinstructions to Mr*** following the termination of the call Acima accommodates returning the Property in accordance with the terms of the Agreement and our instructions Because the Agreement constitutes a lease of the Property, Mr*** is obligated to pay for the time he possessed the PropertyAs stipulated in Paragraph of the Agreement, Mr***’s daily lease rate is $Mr*** may return the Property to Acima by arranging a piof the Property with Acima and paying the daily lease rate multiplied by the number of days he possessed the PropertyWe have record of sending the piinstructions to Mr*** at his request several times He has refused to comply with the instructions to initiate a pick-upUntil Mr*** complies with these terms, his payment obligations will continue Acima is authorized to report Mr***’s payment history to Experian under Paragraph of the Agreement To date, we have reported accurate payment informationWe have accommodated and investigated all disputes Mr*** has submitted to us We have validated that Mr***’s payment history is reported correctlyIf Mr*** has any new documentation to substantiate inaccurate reporting, we would be happy to investigate his claims Mr*** alleges that Acima has refused to work with him to resolve his issues This is untrueAcima has gone to great lengths to work with Mr*** to resolve his issues, but he has repeatedly refused to comply with instructions or make payments He has called our Customer Service Department numerous times and has used offensive and abusive language with our agentsOur agents do not have to endure mistreatment from upset customers Acima seeks to offer high quality customer service We hope Mr*** chooses to work with Acima in a friendly and professional manner to resolve his account issues If Mr*** wishes to work to resolve the issues in his complaint, he may call our Collections and Recovery Department at (801) 297-

Complaint: ***
I am rejecting this response because: can you please tell them to submit any receipts of text messages or email please and I will surely with everything in me apologizeI promise I haven’t seen a letter receipt text message and or email since the one when they send out about the buyout with the assumption that folks get income taxWhich I do not but that’s neither here or thereThe company is a joke the fridge that we have was bought with dents scratches and missing shelves and we are required to pay full price for damaged goodsNothing against the company but that’s obserdI will give you 400-500$ to buy out this mess because Acima are liarsPeriod they know they have never had a issue with me the two reps I spoke to said two different reasons in which I didn’t receive statements and the reasons of lack of communicationNot saying that I was over my days but as I said like they sent a buyout with tax emai to get money obviously they could have done the same when we were approaching the end of our daysWhom ever is typing the lies have no morals or customer care, one the customer should be priority and first and two to throw out just flat lies to downplay the fact they need better communicationYou take out money every week since we startedBut you mean to telll me you couldn’t sent out an alert or receipt or statement or warning or emailPlease horrible customer service and very unprofessionalIf you read the first two lines of their statement it contradicts itselfEither you can send it or you can’tEither I have to request it or you sent it which ones is itThe lady on the phone said no we don’t do it, the supervisor said I have to request it Then satated we don’t do statements whoever is typing needs to reposted to the recording because obviously someone is lying to you too
Sincerely,
*** ***

Acima Credit, LLC (FKA: Simple Finance; hereinafter “Acima” or “us” or “we”) received the complaint filed by Ms*** *** 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***’s complaint.Ms***’s regular lease renewal payments were arranged to match her paycheck schedule Ms*** authorized Acima to draft payments from her bank account on file on the 15th and last day of every month On March 29, 2017, Acima’s payment system malfunctioned and drafted Ms***’s regular lease renewal payment early This resulted in a $overdraft fee and a total overdraft of $ We apologize to Ms*** and will be issuing the refund she has asked for of $today, March 31, 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*** has been an excellent customer to us and we hope she finds this solution satisfactory If Ms*** requires or desires further information regarding her account, we welcome her to call our Customer Service Department at (801) 297-

Simple RTO, LLC (d/b/a: Simple Finance, hereinafter “Simple” or “us” or “we”) received the complaint filed by Ms*** *** through the Revdex.com on September 26, On October 4, 2014, Ms*** entered Mattress Outlet (the “Merchant”), an independent third-party
located in Cedar Rapids, IA, and conducted a transaction that required the leasing services of SimpleMs*** signed a “Lease Agreement with Right to Purchase” (the “Agreement”), which allowed her to possess tangible personal property owned by Simple, by paying periodic lease renewal paymentsSimple is a virtual rent-to-own organization that provides alternative leasing options to consumers who may 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*** applied and was approved for this leasing service on October 4, Ms*** stated in her complaint, “I had intended to pay cash but decided to use their financing after a hard-sale that included assurances several times over that the payments, when paid on time and in full would be reported to creditSimple Finance has not reported the payments or loan pay-off to my credit.” While Simple cannot verify what information was given by the Merchant, we can verify that Simple employees are trained and informed on Simple’s policy regarding furnishing credit information to consumer reporting agenciesSimple furnishes positive and negative information regarding every lease on a daily basis to DataX, Ltda regional consumer reporting agency with whom we have a contractual obligation and responsibility to furnish consumer informationDataX is not a part of the tri-bureaus (Equifax, TransUnion, Experian)Any transference of consumer information between DataX and the tri-bureaus is wholly based upon their individual business relationship obligations, of which Simple has no partWe have no contract with the tri-bureaus and therefore have no mechanism by which we can report information to themSimple only reports to DataX through our own proprietary technology, of which has no interface that reports information to the tri-bureausSimple does not control what information the tri-bureaus elect to purchase and reportMs*** expressed her desired solution of reporting her account to the major tri-bureaus or refunding the financing expense of $As previously explained above, Simple does not have the capacity to report accounts to the major tri-bureausHowever, it is understood the motivation behind Ms***’s purchase to ultimately provide positive information to the tri-bureausHad Ms*** been aware of the nature of reporting to a CRA with DataX and not the tri-bureaus, it may have affected her decision to use Simple to finance her propertyTherefore, in an effort to find a resolution that is satisfactory and fair to both parties, Simple will contact Ms*** to discuss the possible resolutions available to herWe have appreciated Ms***’s business and perfect payment history and will negotiate a reasonable resolution as an act of good faith in hopes to retain an amicable business relationship

Complaint: ***
I am rejecting this response because:
Sincerely,
*** ***

Complaint: ***
I am rejecting this response because:The contract I agreed to with the agent, I purchased the furniture clearly stated I would pay the furniture off in daysThe deductions from my checking account are not accurateAn amount of $was deducted from my checking every weeksThis equals I only financed $dollarsAicma told me the extra charges were added because of state taxes, however, this disclaimer is not in the contract. I can send a screen shot of the customer address, name and account number Aicma sent meI believe this customer should be made aware of the Hippa breech!
Sincerely,
*** ***

Acima Credit, LLC (hereinafter “Acima,” “we,” “us,” “our”) received a complaint filed by Ms*** *** through the Revdex.com on April 20, 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***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 Acima then purchases the property from the merchant and the customer takes possession of the property as a lease from Acima until all scheduled 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 AgreementOn April 6, 2018, Ms*** signed the Agreement wherein she agreed to rent a television console, an ottoman, a beige sectional sofa, a large rug, and counter-height table and chairs (the “Property”) through bi-weekly payments of $for a total of $5,(the “Total of Payments”) Acima uses SMS text messages to our customers’ cell phones to verify information to commence and authenticate AgreementsSpecifically, Acima sends SMS text messages to our customers’ to confirm delivery of the propertyOn April 6, at 5:PM MST, Acima sent an SMS text message to Ms***’s cell phone The message said, “***, did you receive all your merchandise from Discount Furniture? Reply YES or NO, or call 801-297-(Reply STOP to unsubscribe).” On that same date at 5:PM MST, Acima received an SMS text message from Ms*** saying, “Yes.” Upon verification of delivery from Ms***, Ms***’s Agreement was officiated As stated under Paragraph of the Agreement, “[Ms***’s] first Renewal Payment will be due on the date of your first pay check received after our merchandise has been delivered, but not sooner than days after your delivery date.” Ms*** reported to us that she is paid bi-weeklyHe first pay check was due to her on April 20, Since the Property was delivered to Ms*** on April 6, the first payment was properly due on April On April 9, 2018, Ms*** called Acima to change her payment frequency from bi-weekly to monthly We accommodated this requestAs a result of the changed frequency, her monthly payments would be due on the 20th of every month in the amount of $ Ms*** was informed her 90-Day EPO is set to expire on July 8, 2018, her 90-Day EPO balance of $2,is due by that date, and her Total of Payments for the 12-month term is $5, Ms*** told Acima she wished to cancel the lease as she did not have room for the Property in her living spaceWe advised Ms*** that in order to cancel, the merchant would have to send us a cancellation notice On April 19, 2018, Ms*** called us to complain we should not charge her payment due the following day because she had not received the PropertyWe advised Ms*** that she verified delivery of the Property on April 6, Our Resolutions Department investigated the discrepancy alleged by Ms*** Ms*** claimed to our agent that the merchant had instructed her to verify delivery without receiving the Property We informed Ms*** that if that was the case, she had misrepresented her position to us and we were not responsible for the consequences of her misrepresentation We contacted the merchant and verified that Ms*** has possession of the Property and the merchant will not accept a return of the Property and cancel the Agreement as is their business policy Because Ms*** verified delivery of the Property and Acima has purchase the Property, Acima will not cancel the leaseMs*** has options available to her Ms*** may continue with her Agreement and make payments as agreed, or she may initiate a return of the Property through Acima according to the procedure listed under Paragraphs and of the Agreement We appreciate Ms***’s business We hope this explanation of the Agreement and the events surrounding its commencement resolves Ms***’s complaint If Ms*** has further questions about her Agreement and the options available to her, she may call our Collections and Recovery Department at (801) 297-Tell us why here

Acima Credit, LLC has responded to Mrs*** on three separate occasions (3/22/18, 3/28/18, and 4/2/18) and has addressed each of her complaints in detailWe find it unfortunate that Mrs*** has not found our responses satisfactoryHowever, our response will remain the sameWe thank Mrs*** for her feedback