Acima Credit

Acima Credit, LLC (hereinafter “Acima,” “us,” “we,” “our”) received Mr*** ***’s rejection of our response on March 21, We have accurately and truthfully recounted the events surrounding the initiation of Mr***’s lease-purchase agreement (“Agreement”) in our previous response Mr*** has made new allegations which we shall address belowMr*** claims he was told he would have monthly payments drafted on the 18th of every month We have no records of this being relayed to Mr*** nor of him requesting this payment schedule Acima drafts automatic lease renewal payments on our customers’ pay daysMr*** indicated on his application for our services that he was paid semi-monthly We built his Agreement according to the information verified on his applicationWe did not violate the terms of the Agreement by drafting his first renewal payment on December 4, As stated in our previous response, Mr*** requested to change his payment schedule to monthly payments drafted on the 20th of every monthMr*** has been unsatisfied and uncooperative in arranging and completing a payment scheduleAt no time did any Acima agent advise Mr*** to dispute the December 4th payment with his bank Mr*** chose to dispute the charge on his own accordAcima offered to credit Mr***’s account to cover the cost of the first lease renewal payment to reduce the payment amount to de-escalate Mr***’s complaint Mr*** alleges our supervising agents never returned his phone calls This is untrueOur supervisors have returned his calls on December and December 22, Mr*** alleges two persons “with paperwork” took the Property Mr*** has provided conflicting information regarding the location of the Property On March 20, 2018, he called Acima and claimed the Property had been returned to the merchant, Crazy Deals Our Resolutions Department verified with Crazy Deals that the Property had not been returned or repossessedMr*** has provided unclear and conflicting information regarding the Property’s location Pursuant to Paragraph of the Agreement, Mr*** “must keep the Property at [his home address], unless we give [him] permission to move it.” Acima has not initiated a repossession or return of the Property as Mr*** has refused to comply with our return instructions Acima has not sent any agents to repossess the PropertyMr*** has been verbally abusive with our agents If Mr*** calls Acima and becomes verbally abusive or threatens violence again, Acima will not tolerate such abuse and will take appropriate measures to protect our agents and contact local authorities Acima seeks to provide the highest degree of customer service while maintaining the safety and integrity of our employees and workplaceWe have done everything in our power to help Mr*** with his Agreement He has been recalcitrant and uncooperative in reaching any form of solutionMr*** will not be approved for our services in the future

Acima Credit, LLC (hereinafter “Acima” or “us” or “we”) received the complaint filed by Ms*** *** through the Revdex.com on August 19, We have investigated the allegations and are prepared to provide the facts surrounding the transaction to fully explain the nature of the
Lease-Purchase Agreement (“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 financingAcima 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 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 Agreement. On November 30, 2016, Acima purchased a wheel and tire package (the “Property”) from ATL Custom Auto (the “Merchant”), located in Atlanta, Georgia, for $2,Ms*** subsequently entered into a Lease-Purchase Agreement with Acima to rent the Property through biweekly payments of $for a term of twelve (12) months When a customer falls behind on payments, Acima tries to establish a catplan according to reasonable time and payment parameters to allow the customer to cure account delinquency Acima has made many efforts to help Ms*** bring her account current. The payment Ms*** alleges was withdrawn from her account when she was under the impression we wouldn’t withdraw any payment, was due on August 18, 2017. On August 14, Ms*** called Acima to say she could not make her August payment. The agent Ms*** spoke with explained that if Ms*** cancelled her payment, it would cancel the entire catplan that had previously been established Ms*** expressed understanding of this situation, and chose not to cancel the payment. The payment for $ran as scheduled on August and cleared her bank We apologize to Ms*** for any misunderstanding that may have occurred during the conversation with Acima on August 14. We believe we explained the status of Ms***’ account and the events subject to her complaint in adequate detail. As of the date of this response, Ms***’ account is still past due. We ask Ms*** to call our Collections Department to speak with the agent of her choice to arrange a catplan. Ms*** alleges we do not “honor” payment arrangements and that we will take money from customer bank accounts as we “wish.” This is untrue. Acima is only authorized to automatically draft payments from the customer’s payment method of choice as stipulated in the Agreement. Any payments made or arranged to be made outside of the Agreement’s authorized schedule, must be verbally authorized by the customer. Acima never takes payments outside of the Agreement’s authorized schedule or without direct customer instruction and consent. Ms*** is a valued customer and we greatly appreciate her business. If Ms*** has further questions, or wishes to arrange a catplan, she may call our Collections Department at (801) 297-

Acima Credit, LLC (hereinafter “Acima,” “us,” “we,” “our”) received a complaint filed by Mr*** *** through the Revdex.com on April 25, 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 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 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 Mr***’s cell phone on September 28, at 4:PM MSTThe message said, “Give the digit code to the merchantNotice! Using this code is equal to physically signing Acima’s lease-to-own contractCode: 1859.” Ms*** then used the code and received a confirmation text message from Acima reading, “Congratulations, you signed your Acima Lease: - Lease #: *** - 90d Buyout Amt: $- Pay Freq: every-other-week - Pay Amt: $- Est1st Payment: $- MoPayment Total: $Call Acima at (800) 742-xwith any questions.” Mr*** signed the Agreement with Acima to rent a full-size mattress and box spring (the “Property”) through bi-weekly payments of $plus a $initial payment for a total of $1,(the “Total of Payments”) Acima does not charge interest on AgreementsThe Agreement constitutes a lease for the full Total of Payments calculated and payable at the consummation of the AgreementThe Total of Payments is constant throughout the entire Agreement This is not “interest” charged on the Acima Cash Price for some duration of time following the expiration of the 90-Day EPOMr*** alleges he was “not allowed” to see the Agreement prior to signing This is untrueMr*** was entitled to view the Agreement at any time from when his Agreement was created to before and after signing the Agreement The merchant helping Ms*** obtain the Property merely made the Agreement formation process easy and efficient for Mr***Mr*** may have asked to see the Agreement prior to signing or requested a copy following its authorization Additionally, Acima sent Mr*** a copy of his Agreement through the U.SPostal Service to the address he provided to us on his application and his Agreement is viewable through our online customer portal at www.acimacredit.comMr***’s 90-Day EPO expired on January 8, As Acima does not charge interest and such a charge is not accounted for in the Agreement, we will not honor the information provided to Mr*** by the merchant As of the date of this letter, Mr*** has paid $in regular lease renewal paymentsHis remaining Total of Payments of balance is $Ms*** is eligible to exercise his second EPO by paying a lump sum of $to terminate the Agreement prior to the 12-month contractual term We hope this explanation of the Agreement and the events surrounding its consummation help Mr*** understand the Agreement and his contractual obligations thereunder We appreciate Mr***’s businessIf Mr*** has remaining questions regarding his Agreement, or would like to exercise his second EPO, he may call our Customer Service Department at (801) 297-

Simple Finance received the complaint filed by Ms*** *** on December 5, We have reviewed this complaint, as well as Ms***’s account and contact history with usMs*** states: “I had made a payment on November to pay off my account with (Simple Finance) in the
amount of $At that time I was told the payment that was due on November (that had not come out of my account due to Veterans Day) would not come outI said I do not authorize it to come outI was told at that time I was paying the amount I owed them in fullThe next day they took out a payment of $and the $I called and they apologized said they saw I overpaid and said they would issue a refund by November 21.” The refund Ms*** requested was submitted on December 5, We understand that it can be frustrating to have to wait longer than anticipated for these processes to take place, however there is nothing we can do to bypass the necessary procedures for such a transactionUltimately Ms***’s desired settlement has been granted; we have recognized the overcharge and have processed a refund of $into Ms***’s bank account, which she should have received by December 7, We appreciate Ms***’s business and look forward to working with her in the future

Acima Credit, LLC received Ms***’s rejection of our response on May 15, We are sorry to hear that Ms*** is unhappy with our business and customer service We feel we have fully explained the nature and terms of the Agreement and Ms***’s contractual obligations As stated in our previous response, the Agreement clearly states the terms by which Ms*** is bound and the amounts required to satisfy and terminate the Agreement Ms*** received the Agreement by email and opened the email on January 9, Acima satisfied due diligence by providing the Agreement to Ms***Acima cannot force customers to fully read the Agreement Ms*** is responsible for her own due diligence regarding understanding of the terms of the Agreement.Ms*** demands to pay a fair price for the Property The Agreement is a legally binding and enforceable contract by which the Total of Payments or EPO amounts are fair prices for the use and purchase of the Property As stated in Paragraph of the Agreement, “If [Ms*** does] not want to lease the Property but would rather purchase the Property… [she] should consider cash or credit terms that may be available to [her].” Ms*** opted to use our leasing services over other credit or cash purchase terms available to her at the time the Agreement was signedWe will not refund any rental payments paid by Ms*** toward the purchase of the Property We hope Ms*** is satisfied with our explanation of the Agreement If Ms*** has further questions regarding her Agreement and the options available to her, she may call our Customer Service Department at (801) 297-

Acima Credit, LLC (FKA: Simple Finance; hereinafter “Acima” or “us” or “we”) received the complaint filed by Mr*** *** through the Revdex.com on February 16th, 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 Mr***.Acima is a virtual rent-to-own organization that partners with retail merchants to provide alternative lease-purchase financing to those who may not qualify for traditional financingOn June 19, 2016, Mr*** applied and was approved for our leasing services through an independent third-party, VIP Wheels and Tires (the “Merchant”), located in Los Angeles, California Mr*** was approved for $2,worth of financing with Acima Of this amount, he invoiced $1, He 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 Mr***’s 90-Day expiration date was September 18, Mr*** has three points of complaint claiming he did not initially receive a copy of the Agreement by email prior to signing, that he did not agree to the finance charge associated with the Agreement, and generally paying more for his tires and rims than he anticipated Mr*** alleges that during the application and purchase process, Acima told him he “would receive a text with a code and [he] did, also saying [he] would receive a copy of the contract via email.” At the time of the purchase transaction, Mr*** received a text message on his personal cell phone reading, “Notice! Using this code is equal to physically signing Simple’s lease-to-own contract Call (800)742-xwith any questionsCode ***.” After receiving this code, or personal identification number (PIN), Mr*** used the PIN with the Merchant to initiate the Agreement At the time the PIN was entered into the Merchant’s Portal, the Agreement in its entirety was available for review in electronic form Our customers have the opportunity to view the Agreement electronically or request a printed copy before using the PIN to sign the Agreement Acima was not physically present at the time Mr*** used the code to sign the Agreement and therefore cannot confirm or deny if Mr*** reviewed the Agreement prior to signing Additionally, we do not send Agreements by email due to the sensitive information contained therein Per Acima policy, we send the Agreement by mail with a Welcome Letter to the customer’s address listed on their application We have record of sending these documents to the listed address on June 20, Since the Agreement and Welcome Letter were not returned to us by the USPS, we assumed Mr*** had all of the information regarding his lease Mr*** protests our Agreement’s finance charge by saying he “did not agree to the amount.” Mr*** did agree to assume the finance charge by signing the Agreement and using our services By signing the Agreement, Mr*** agreed to all changes and conditions contained therein Mr*** mentions in his complaint, “I have paid a total of $1,at $every two weeks not $which was suppose to be to payment amount.” Mr*** was originally contracted for bi-weekly payments of $ Acima builds our customers’ payment arrangements according to customer paycheck schedules According to our records, Mr*** is paid semi-monthly Therefore he will make payments per year instead of payments per year on the bi-weekly schedule The decreased total number of payments caused his regular payment amount to increase from $bi-weekly to $semi-monthly to satisfy the $2,Total of Payments for ownership of the Property Acima regrets Mr*** did not view the Agreement prior to signing it The Agreement is a legal and binding document As stated in Section of Mr***’ Agreement, Acima owns the Property Mr*** is not allowed to keep the Property and discontinue his regular lease renewal payments, To do so would be a breach of the Agreement If Mr*** no longer finds the terms of our Agreement desirable, he can terminate the Agreement by exercising his second early purchase option, or surrender the Property to us and paying any applicable outstanding balances If Mr*** requires further information or would like to speak with us regarding solutions, we encourage him to call Acima’s Customer Service Department at (801)297-

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, Ms*** was sent a copy of the Agreement and had the opportunity to view the Agreement prior to signing itThe Agreement clearly states she is obligated to make monthly payments of $for the duration of the month lease termAcima does not have a lease model that is not a 12-month lease agreementIf Ms*** wishes to obtain ownership of the Property, she must call our Collections and Recovery Department at (801) 297-to cure the default on her account.We thank Mrs*** for her business and hope to resolve her grievances within the terms of the Agreement

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,
*** ***

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. I will reach out to Acima and hopefully work towards a mutual resolution
Sincerely,
*** ***

Acima Credit, LLC (FKA: Simple Finance; hereinafter “Acima” or “us” or “we”) received the complaint filed by Ms*** *** through the Revdex.com on February 8th, Ms*** has disputed the validity of the Agreement in its electronic format, the failure to disclose properly the
terms of the Agreement, and the total amount owedWe intend to explain the nature of the transaction, the facts surrounding the situation, 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 financingWe purchase household goods from independent third-party merchants and offer a 12-month lease of our purchased property to consumers who are approved for our servicesIf a customer pays all lease renewal payments, or exercises an Early Purchase Option (“EPO”) (described below), they may acquire ownership of the propertyOn June 1, 2016, Ms*** applied and was approved for our leasing services through an independent third-party, Furniture Queen (the “Merchant”), located in Katy, Texas Acima purchased a twin bed, nightstand, chest, and mattress (the “Property”) from the Merchant and leased the Property to Ms*** for a rental period of months wherein Ms*** agreed to pay $for ownership of the Property through twice-monthly payments of $The Agreement identifies the Total of Payments owed to acquire ownership of the Property and Early Purchase Options (“EPO”) available to Ms*** if she wishes to purchase the Property before the end of the 12-month rental termThe Agreement states, “[t]he total of your payments will be $(“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 first EPO available is the 90-Day Option which allowed Ms*** to purchase the Property within the first days of the Agreement by paying $The second EPO allows her to purchase the Property after the first days by paying 50% of the total remaining periodic lease payments.In Ms***’s complaint, she alleges that she never saw, nor had the opportunity to review the contract before signing it because the Agreement was in electronic formShe claimed that because of her inability to review the contract, the Agreement was deceptive and “[hid] from [her] what the contract truly states,” disputing the true lease amount that was requested and discussed with the MerchantAcima was not present during the transaction at the Merchant with Ms*** and as such cannot attest to Ms***’s claim that she did not see the Agreement prior to signing itNotwithstanding, the Portal through which all Agreements are signed and returned to Acima provides a copy of the Agreement to be viewed electronically or printed on paper prior to signingMs*** had the opportunity to review the Agreement, whether she requested this option or not Acima uses an advanced authentication process whereby most lease-purchase agreements are entered into electronicallyThis authentication process requires customers to enter a one-time verification code that is delivered to the customer’s phone via text message, into the Merchant’s computer to electronically sign the AgreementUpon approving Ms***’s application, Acima initiated a text message to her personal cell phone containing a four-digit authorization code or personal identification number (the “PIN”) to be used as Ms*** electronic authorization of the AgreementThe text message delivered to Ms*** on June 1, said “Notice! Using this code is equal to physically signing Simple’s lease-to-own contractCall (800) 742-xwith any questionsCode ***.” Ms*** used the PIN number to accept and sign the Agreement Ms*** was advised in the text message containing the PIN that she could call us with any questions she had about the Agreement before signing it Ms***’s assumption that Acima’s agreement terms are similar or identical to another company is not a reasonable dispute of the validity of our Agreement terms In her complaint, Ms*** claims that Acima called her and told her she was signed up for a 90-day buyout planThis is not trueWhen new customers establish their first contact with Acima at the beginning of their lease agreement, Acima will advise them of their 90-Day Early Buyout Expiration Date, the Early Buyout Amount, and the date of their first automated regular paymentAcima has received one phone call from Ms*** since the purchase date On February 7, 2017, Ms*** called Acima and spoke with a representative who advised Ms*** the Agreement was available for review before signing Ms*** was aware, by admission in her complaint, she was required to call Acima to arrange additional payments to exercise EPOsIn her complaint, she claims that she was unaware of any “penalty” if she were to pay off her lease after the first days of the Agreement; however, in her complaint she also cites part of the Welcome Letter that advises her if she does not exercise the 90-day Early Purchase Option, there would be an alternative Purchase Option after the 90-DaysThis second Early Purchase Option amount cannot be specified in the Welcome Letter because the amount is calculated from the number of remaining payments at the time the EPO is executedBy citing this letter Ms*** acknowledges that she was aware there would be a different purchase option if she failed to exercise her 90-Day EPO.Ms*** said, “The problem with this company is they word this early buy out constantly, and hide from the consumer what the contract truly statesThey only ever speak about the day buyout, without informing the consumer that there is a problem if they do not do the days.” The 90-Day Option is a courtesy provided to customers which allows them to pay off the Agreement earlyIf a customer is unable to pay off the Agreement early, they are not penalized, they simply are bound to the terms of the Agreement that was signedMs*** was upset that Acima advertised the most affordable purchase option for her, claiming that we were “hiding” what the contract statesAcima did not hide the contract in any way from Ms***, and educated her on the most affordable purchase option available to herMs*** did not pay $by the 90-Day Option expiration date of September 15, and consequently is obligated to pay the Total of Payments as stated in the AgreementMs*** said, “…my welcome paper states…’If you wish to utilize either of these options, please contact our office and set up a payment agreement with one of our customer service representatives." This was a lieThey did not let me set up any payment agreement.” Acima cannot set up new payment agreements in lieu of what was previously arranged in the Agreement as it would be a violation of the terms of the Agreement We allow our customers to pay off the Agreement on their own terms and thus advise our customers to call us to set up one-time advance payments in addition to the contractual automatic payments This freedom is referenced in the Welcome Letter as the “payment agreement” Ms*** speaks of in her complaint This policy exists to allow customers to pay off their Agreement early at their own pace based on the financial capacities of each customer.Ms*** further claimed, “The lady on the phone informed, and agreed with me that I hadn't seen the contract before agreeing to it, and told me if I had questions about the 'contract', I should have asked.” Our representative did not agree that Ms*** had not seen the Agreement prior to signing it, but expressed empathy for the frustration Ms*** was feeling Our agent advised Ms*** that Acima will not negotiate Agreement terms and that the Agreement was available for review before signing Acima regrets that Ms*** did not request to see the Agreement or obtain a copy of the Agreement prior to signing itAnother copy of the Agreement is available to Ms*** if she wishes to call us and request it. It is Ms***’s responsibility to be well informed and contact Acima with any questions she may have regarding her payment arrangement and Agreement

Revdex.com:
It seems as if big business has the upper handI thought Revdex.com was to even the playing fieldThis sucks
Sincerely, Out of $and a place to sleep

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,
*** ***

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,
*** ***

Complaint: ***
I am rejecting this response because with your statement of Acima doesn’t charge interest - that is incorrect because as of my most recent interaction with a manager he stated that the interest + cost of the vehicles tires would be triple the cost of what I originally purchased the tires forThe way you pick and choose to assist your customers is unethicalJust because I didn’t call immediately to inform you that I was affected by the Hurricane doesn’t mean I shouldn’t be assisted like the others were. I hope this experience helps others in the future understand what kind of business you run and informs them that the only correspondence they will EVER receive is in the very beginning, they won’t receive statements to let them know where they are in the payment process! I have learned my lesson in the future not give other options/companies a try, instead go with a company that comes with a better recommendationI am not one to skip out on bills - I tried taking care of my account more than once and Acima wouldn’t budge with anything other than horrible customer serviceThis is definitely a company that’s all about money and nothing about Customer Service
Sincerely,
*** ***

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 August 2, On June 18, 2016, Ms*** entered Katy Furniture (the “Merchant”), an independent third-party located in Katy, TX,
and conducted a transaction that required the leasing services of SimpleMs*** signed a “Lease-Purchase Agreement” (the “Agreement”), which allowed him 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 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 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 service from Simple on June 18, Simple purchased a sofa loveseat (the “Property”) from the Merchant and leased the Property to Ms*** through a 12-month Agreement wherein Ms*** agreed to pay $for ownership of the Property through twice-monthly payments of $over the course of monthsThe Agreement identifies the total of payments and EPOs“The total of your payments will be $(“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 $(“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 other charges.” In Ms***’s complaint, she claims, “I was advised of a day buyout option which included payments of approximately $upon initial purchase on 6/18/16.Upon contacting Simple Finance a couple days after purchase and advising that I want to accept this payment option…” While speaking to a representative in the Processing Department of Simple, Ms*** was given an estimate payment plan whereby she could exercise the 90-Day OptionShe was told that if she paid approximately $a month, she would be able to pay the 90-Day Option Amount of $by the deadline of September 19, Although the Processing Department has no method by which they can alter lease terms or scheduled payments, Ms*** was under the impression that her payment plan had be changed to process $on the 15th of each month, as requested, for three (3) monthsOnce her lease had been funded, the Customer Service Department received no notification that Ms*** had any desire to adjust her payment frequency from twice-monthly to monthly paymentsBecause two different departments use different computer systems, the Customer Service Department did not have record of Ms*** requesting monthly payments, thereby causing confusion in the Customer Service Department and frustration from Ms***To exercise an Early Purchase Option, it would be necessary that a Ms*** call Simple’s Customer Service Department after the funding of her lease, to authorize additional payments than what was authorized in the AgreementTo protect the safety and financial security of all customers, Simple will not violate terms of the Agreement by processing payments that were not expressed in the Agreement, without express written authorization from the customer to modify the Agreement’s contentsSimple has since sent and received the “Regular Payment Frequency Change Request” from Ms***, authorizing her payment frequency to change from twice-month payments of $to monthly payments of $225.42, to be drafted for a due date of the 15th of each monthSimple also will be extending the 90-Day Option deadline to October 19, 2016, giving Ms*** reasonable time to exercise her 90-Day Option Simple formally and sincerely apologizes to Ms*** for the miscommunication between departments and the undue inconvenience put upon Ms*** while trying to resolve the issueSimple would like to thank Ms*** for the professional manner in which the situation was brought to our attention by proactively communicating with us, and for the patience she showed during the resolution periodMs*** has been an exemplary customer whose business is appreciated very muchWe hope by resolving the issue we have been able to restore good relations with Ms*** and hope to do business with her again in the future

Acima Credit, LLC (FKA: Simple Finance; hereinafter “Acima” or “us” or “we”) received the complaint filed by Ms*** *** through the Revdex.com on February 16th, 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 June 10, 2016, Ms*** applied and was approved for our leasing services through an independent third-party, Furniture & More (the “Merchant”), located in Dover, Delaware Ms*** was approved for $1,of financing to purchase an ottoman and sectional sofa (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 $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 Ms***’s 90-Day expiration date was October 25, 2016.Ms*** alleges she was under the impression her weekly payments of $would pay off the Property in days Ms*** began making weekly payments on August 4, Between the initiation of weekly regular payments and the expiration of her 90-Day EPO, she made payments of $ The total of payments made before her 90-Day EPO expiration was $ This is not even half of the retail price of the Property Ms*** did not call Acima to exercise her 90-Day EPO by paying off her balance before October 25, and therefore is bound to the full contract amount of $2,128.96.In her complaint, Ms*** alleges the Agreement was not sent to her home and that she was unaware of the finance charges associated with her Agreement However, at the time Ms*** purchased the Property, she signed the Agreement Acima sends a copy of the Agreement and a Welcome Letter to our customers at the address listed on their applications We have record of sending these documents to Ms***’s residence on July 27, Since the documents were not returned to us as undelivered by the USPS, we assumed Ms*** had received the documents Ms*** alleges our customer services agents were “beyond rude and incompetent.” On February 10, 2017, Ms*** called our customer service department to ask for her remaining balance Our agent, Angie, informed Ms*** of her remaining balance of $ This angered Ms***, so our agents explained the Agreement terms and options to Ms*** Ms*** demanded a supervisor and was transferred to our supervising agent The supervisor reported Ms*** was irate and screaming about her balance The supervisor referred Ms*** to the Agreement and stated all payment information is contained in Section Our supervisor sent Ms*** a copy of her Agreement and Welcome Letter via email Our agents handled this escalated call calmly and provided Ms*** with information regarding her Agreement Ms*** alleges when she contacted the Merchant about our finance charge, “the [Merchant’s] employees were completely unaware of the 100% service fee.” Our merchants are our business partners and understand our business model and agreements The Merchant was likely unaware of the “service fee” because the Agreement is a financed over a 12-month term The regular payments reflect the full total of payments to ownership and therefore include all financing charges As a result, there is no external or additional finance charge associated with the Agreement; meaning there is no service fee Ms*** has asked for her payments to cease as she has paid off the cash price of the Property Ms*** can terminate her Agreement with us by exercising her second EPO for the price of $ Ms*** is not permitted to keep the Property and cease regular lease renewal payments as she does not own the Property If Ms*** no longer finds the terms of her agreements desireable, she can terminate her Agreement by returning the Property to us and paying any applicable outstanding balances If Ms*** requires further information, we encourage her to call our Customer Services Department at (801) 297-

Acima Credit, LLC (FKA: Simple Finance; hereinafter “Acima” or “us” or “we”) received the complaint filed by Ms*** *** through the Revdex.com on May 9, We have investigated the concerns in the complaint and are prepared to explain the nature of the transaction between Ms
*** and Acima Acima is a virtual rent-to-own organization that partners with retail merchants to provide alternative lease financing to consumers who may not qualify for traditional financingWe 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 servicesOn December 3, 2016, Ms*** applied and was approved for this service through an independent third-party--F & F Tire Shop (the “Merchant”)--located in Roxbury, MassachusettsAcima purchased four tires (the “Property”) from the Merchant and entered into a Lease-Purchase Agreement (the “Agreement”) with Ms*** wherein she agreed to pay $every-other-week for months to obtain ownership of the Property for a total of $(“Total of Payments”) The Agreement provides for two Early Purchase Options (EPOs) available to Ms*** to obtain ownership of the Property before the end of the 12-month lease termThe first EPO is the 90-Day Option which allows Ms*** to purchase the Property for $within the first days of the AgreementThe 90-Day option expired on March 5, After days, there is a second EPO that would allow Ms*** to purchase the Property by paying 75% of the total remaining lease payments, in one transactionThis second EPO is currently available with a pay-off amount of $With each lease payment made, this second EPO pay-off amount changes as the remaining balance is paid down In her complaint, Ms*** states “I was told because it is over days I have to pay $to settle.” The second EPO pay-off amount is not a settlement, rather an option that allows Ms*** to end her 12-month Agreement early by purchasing the Property at a discounted price from the Total of Payments Ms*** said, “They have never sent any correspondence letting me know my balances.” Acima mailed a copy of the Agreement to Ms*** at the mailing address provided on her initial application after the consummation of the AgreementShe also said she sent “Simplefinance” an email requesting information regarding her balanceHer email was received and Acima responded to her on April 4, 2017, notifying her that for security reasons we could not divulge account information over email but that if she would call the Customer Service Department, we would answer her account-specific questionsWe never received another email from Ms*** Ms*** stated she was never informed of the change in our company nameThis is not trueAcima sent an email to every customer notifying them of the change in our business name in January We did not change ownership, management, or locationThe organization only changed its nameHowever, if we had changed ownership, the Agreement provides for the allowance of reassignment where it states, “”We,” “our,” and “us” mean Simple RTO, LLC, and its successors and assigns, as Lessor/Owner of the Property.” This name change to Acima does not affect the legal validity of Ms***’ Agreement, nor the obligations contained therein Ms*** complains that she was not notified of account balances like the statements that credit card companies sendWe are not a credit card company and we do not have open-ended accounts that have fluctuating account balancesThe Agreement we have with Ms*** provides for a specific renewal payment that is automatically drafted from her bank account on specific datesMs*** could easily ascertain her account balance by looking at her Agreement and accounting for payments made, or by calling our Customer Service Department as instructed in April Ms***’ account has not been paid in fullShe has not yet even paid the retail price of the property purchasedIf she does not wish to continue to make her lease renewal payments, she may return our Property to us and we can terminate the AgreementIf she wishes to keep the Property, she must make her renewal payments until the end of the 12-month term, or exercise the Early Purchase OptionIf Ms*** has any questions or wishes to make a payment on her account, she may call the Customer Service Department at (801) 297-

Acima is an extremely incompetently run organization that makes erroneous withdrawals from your checking account without the claimed means to refund. Regardless of your electronic/paper trail, they are professiinally ill-equipped to resolve in your favor and defer to excuses. They come across robotic and rehearsed in their response to any error on their part. They are not trustworthy with access to consumer money. They will force you to shut down your active checking account. The so-called Supervisors are inexperienced w/customer relations and continuously blame team members. Don't expect resolution & be weary of them accessing your hard earned funds!

Acima Credit, LLC (hereinafter “Acima,” “we,” “our,” “us”) received the complaint filed by Ms. [redacted] through the Revdex.com on August 11, 2017. From the time we received Ms. [redacted]’s complaint we have been in contact with Ms. [redacted] in an effort to resolve her concerns and help her...

understand the nature of her Rental-Purchase Agreement (“Agreement”) with Acima. As of the date of this response, Ms. [redacted] has failed to understand our explanations of her contractual obligations. However, we will attempt to explain in this response her contractual obligations to Acima, and the nature of the Agreement. Acima is a virtual rent-to-own organization that provides alternative lease financing services to customers who may not qualify for traditional financing. We purchase household goods and rent them to customers who apply and are approved for our services. 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 12 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 Agreement. On July 27, 2017, Ms. [redacted] entered into a Rental-Purchase Agreement with Acima wherein she ag[redacted] to rent four (4) used tires (the “Property”) that Acima purchased from All Starz Tires & Automotive (the “Merchant”), an independent third-party retailer, located in Orange Park, Florida. The terms of the Agreement provided that Ms. [redacted] would rent the Property from Acima for the duration of the 12-month lease by making 26 bi-weekly payments of $20.84 (not including tax) until she had made the Total of Payments due of $591.60, which would allow Ms. [redacted] to acquire ownership of the Property. If Ms. [redacted] wishes to exercise the 90-Day EPO, she must pay a total of $300.00 on or before October 25, 2017. Ms. [redacted] disputes the application of payments against the balance of her rent owed. She claims that she made a payment at the Merchant’s store and it was promised to be applied to her Total of Payments. Acima has properly applied the rental payments received.  Assuming Ms. [redacted] exercises the 90-day EPO option, she will have to pay the $300.00, less any other payments previously made to Acima.  If instead Ms. [redacted] elects to make regular rental payments throughout the life of her lease, she will have to pay $591.60, less any amounts previously paid to Acima.  In either case, Ms. [redacted] will receive credit for the amounts previously paid to Acima. Ms. [redacted] disputes the price of the property.  The Acima Cash Price, clearly stated in the third paragraph of Ms. [redacted]’s Agreement, is $290.00. The Acima Cash Price of $290.00 plus the 90-Day Buyout Fee of $10.00 results in the 90-Day Buyout Amount of $300.00. At the time she entered into the Agreement, Ms. [redacted] made an initial payment of $50.  The initial payment reduced the balance owed by Ms. [redacted] to $250.00 – assuming Ms. [redacted] pays exercises her 90-day EPO.  If she does not exercise her 90-day EPO, Ms. [redacted] received credit for the initial payment against the Total of Payments due of 591.60, leaving $541.60 remaining as of the date the Agreement was signed.  Any payments made by Ms. [redacted] since that time will be credited against the balance left owing – whether it be the 90-day balance, or the 12-month balance. Acima has spoken with Ms. [redacted] several times to explain our business model and calculations; nevertheless, she continues to request that we waive our fee of $50.00 and only charge her $10.00 for using our services. We appreciate Ms. [redacted]’s business; however we will not waive our $50.00 fee. Ms. [redacted] was provided with a copy of her Agreement prior to signing it. The Agreement clearly identifies the numerical amounts of all payments owed to Acima. As of the date of this letter, Ms. [redacted] still has the option to exercise her 90-Day EPO by paying $208.32 before the option expires on October 25, 2017. If Ms. [redacted] is unable to exercise the 90-Day EPO, she will be able to exercise the second EPO which allows her to pay the 75% of her remaining renewal payments to obtain ownership of the Property. If Ms. [redacted] desires to terminate the Agreement, she may do so by returning the property to us and paying the minimum lease requirement, as stated in paragraph 8. We look forward to hearing from Ms. [redacted] to discuss which of these proposed resolutions she desires to exercise. Pursuant to the Agreement, Ms. [redacted] is not allowed to maintain possession of the Property without paying the required payments as determined by the Agreement.

Complaint: [redacted]
I am rejecting this response because: I was never shown the full price of mattress nor mentioned it was for full 12 months of finance, I had to sign my name using my finger on a tablet in which the full contract with those details were not printed at time of purchase. I had to call them to request a copy of such contract be emailed to me instead which I received couple weeks ago.
Sincerely,
[redacted]