Acima Credit

Reviews 19

DA

David Mckaig

Acima- You are running quite the scam and I didn’t appreciate it in the least. I cheerfully went to Guaranteed Appliance in Asheville, NC today to take advantage of my $400 credit approval. I had quite the high impression of Acima helping people like me out too. When I got to the store I showed the person on duty my email and he stared at it for quite a long time. I expected him to positively welcome me and show me the appliances. He finally handed me back the email and slowly said “You know you have to spend at least $300.” Well, no I didn’t know that…but I smiled and said I would just look around. That was the first I heard about having to spend $300!!!! I just needed a refrigerator! There were very few fridges on the floor and the one I wanted was $229.00. The associate did not assist me at all or speak to me. There were either $700 stainless fridges or $200-$229 ones which would have been perfect. I would have bought one in a split second. I finally went back to him and said….”seems I’m out of luck. Everything is either too expensive or not expensive enough!”. He stared at me again and I left. What was I supposed to do? I’m totally confused bu your whole approach. I went elsewhere to look and will be watching Craig’s List for a good deal….WITHOUT LIMITATIONS OR SCAMS. I’ll be warning everyone I know about this and have already talked to lawyer friends about it in anticipation of filing a complaint with the City of Asheville.

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OD

Oddessy Unworried

Please, please, please pay attention to your contract. I would not recommend this company for anyone who thinks this is a long term financing option. The financing is only good for 90 days, after that, it is a compete rip off. I had got furniture worth $1,045. After about 3 months, I called them to know how much I still owed. To my surprise, my balance was now $2,100. They said because I had missed the 90 day cut-off and that put me into a new full contract. On which planet does that even make sense? To charge customers more than double of the sticker price in the store? My furniture as not even that much and they want to charge me double??? Anyway, after expressing my frustration in the most calm manner I could at this point, they agree for me to settle for less. In total I ended up paying about $200 more than my actual receipt price. So please people. stay away! But if you really have no other option, then please pay attention to when your 90 days lapses and how much more you will have to pay after that.

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EL

Elevated Camping

Worst experience of my entire profesional career. Horrible customer service, everyone is un organized, and I had to talk to the tire store, then simple finance, then back to the tire store, then back to simple finance. They are a middle man for tire stores and furniture stores, and if you want to get an answer you have to talk to five different people and you always get someone different. I dont want to talk to the tire store, then back to the finance store, then back to the tire store. I just wanted my tires that day, but instead I had to wait an additional five days just to buy tires. I could have bought them upfront with cash, then the tire store sold me on financing through these guys. It ended up being the biggest head ach of my life. I had to wait five days to have my tires installed because simple finance couldnt get things organized, I should have just paid in full the first day. Take from my experience and dont use this company.

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NA

natalie clay

They was horrible the contract was not as stated. The furniture is very cheap . Very over priced no one at the store speaks good English or understands it . I had to go back for several of there mistakes I didn’t unwrap my furniture for two months only to find out they didn’t give me legs for my couches . When I did get legs they where not metal they were made of some type of plastic . My contract stated they would take 188.00 bi weekly is was not true they took out 201.00 talking about taxes wasn’t included never heard of that when I tried to return it cause I never use it everything was still in boxes they told me I had to pay on it for two months then call the store in which doesn’t speak proper English an ask them if they will take the furniture back and for all my hard times they offer me two cheap ass sleep pillows . NEVER AGAIN I WOULDNT RECOMMEND THEN TO MY WORST ENEMY. Save ur money

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TO

Tonni Marie Foreman

I really did not appreciate how I applied online for the credit. I went into Cohen furniture and was totally caught off guard with the charges to start to account. Was never told its 40.00 down and then the furniture store wanted money as well. I received no papers letting me know when the payment would be due. I received 2 texts asking did I receive the furniture, right before the 2nd text we received the merchandise. On Oct 5 money was debited out of my account, ( which messed up my account) then a few days later I receive papers for my account and the envelope was stamped Oct. 6, 1 day after they debited my account. Your way of letting your customers know all info ip front sucks, will not recommend your company for anything. An unsatisfied customer.

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SA

saikou manneh

Please please please please do not do business with this people. Total scam. My last payment I scheduled with them so my account wont pass the 90 day period, they deliberately refused to charge my account so my 90 day period can elapse. I had to send them my screen shot of my bank account . Bottom line do not do business with people who are trying to scam hardworking american so they can go to vacation in Florida. Their 90 day bullshit is a lie. They will never email you any receipt and they will deduct money from your bank account. Their whole goal is go have u past the 90 day period. FYI their interes % is 100 percent. DONOT DO BUSINESS WITH. F======== SCAMMERS

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ME

Melissa Carrasco

We purchased a whole bedroom set , it is very nice for $1500, but luckily I just happened to call a few weeks before I knew my 90 day period would end and was advised it was ending in 1 week not 2, they went off the day of the delivery and not the date that the contract stated which was 1 week after delivery, they told me that is for when the payment would come out not when the actual agreement starts, I was like fine, they told me if I didnt pay by a certain date my lease would then be over $3000 to pay it off, no one said they still give a discount afterward that 90 day period. But anyways was able to pay off the $800 balance and I am glad to have that done....

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L.

L. Gonzalez

Although Acima Credit may be okay the businesses that they deal with are not. I was coerced and literally tricked by Furniture and Electronics to get into a debt that I really was not ready for. I feel that they take advantage of people who are not wise when it comes to credit and convince them to buy their Furniture just to get the credit from Acima. I was definitely not happy with my dealings with them. They told me that you would report to the credit bureaus and as I was trying to establish credit I accepted. I regret to ever have had dealings such dishonest people and will never buy anything from them again.

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KE

Keristin Jones

This is by far the worse financing company. They charged us double tax on our furniture. It took 2 months for them to fix the problem. After I made a large paymen, I was told I only owed $72 to finish my 90 day pay off, however 41 was coming out the same month and my finally payment would be 31.99. Which was coming out the next month and we would be finished. However, that dis not take place the 31.99 payment came out, but the charges again the following stating I needed to call in and make the payment to honor the 90 days. So now we have accumulated the $500 in ontrast. Horrible customer service period!

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HO

Home Store

Tried to sign my business up with their service after seeing them at High Point Market, after did the paperwork, never heard directly back from someone, got a merchant decline email, called their office in UTAH, was hung up on once by Sylvia and then spoke to a "supervisor" named Bryson and he was equally as rude when I explained to him how Sylvia spoke to me and hung up on me and said I was rambling and refused to help me or anything. This company has serious customer service issues, if I ran my business like this, I would be out of business. Very disappointing.

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ST

Stack Furniture

Absolutely love Simple Finance! They have helped our business grow with their 90 days interest free, no credit check program. We have had multiple customers come back and refinance thru them, as well as refer their family and friends to us just because of the simple finance process. We started out using multiple of the no credit check companies, and eventually got rid of them all because Simple has been so great to us. Special shout out to the lead processing team for always being so helpful and diligent when helping us and our customers. Thank you!

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VA

Vanita Hughes

Great opportunity just not enough access. I have used them 3 times for purchases and have paid all of them off in 90 days. I love being able to use installment payments and now they report to credit bureau so it helps build credit. I did not like that I had to call in for every bit of information on my account. They need to provide online access and allow you to make additional payments and change your payment method online without the long hold times. Otherwise we loved it.

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JE

Jennifer Peralta

THE WORST!!!By FAR. Never again will I finance using this company. My house burn last summer and I had no choice but to lease my furniture, which I did half of it with ACIMA CREDIT formally know as Simple Finance. I was schedule for I-weekly deduction and towards the end of my lease day they started charging me extra, weekly and messed up my account to the point where they are still charging me a whole 15 months later. Please used a different leasing company.

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DE

Deborah Smith

Got financing from furniture store Price Busters. Should have known better. Did not know it was bait and switch situation. They approve a 90 day price, only to have simple finance add horrendously high interest if for whatever reason balance is not paid. Tried calling customer service and spoke with 2 different managers. To no avail. Contacting my local consumer advocates and BBB as of today. Thanks but no thanks to all involved.

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KE

Kerry Ott

The only finance company and rep, Matt Livingston, that has ever delivered this level of customer service!!!! From the constant contact at the call center between them the customer and myself, down to the dedication to excellence demonstrated by Matt and his work ethic providing HIS CELL number to myself and sales team. Next level in every single aspect of their business. Only good things to say about Matt and the Simple brand.

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TH

thats me

great company when your in need,this is the way to go,easy to apply,within minutes you will know how much,terms are simple,pay off in 3months.ONLY downfall if you dont pay within the time/terms ,they will hit you with CRAZY interest!!! make sure to pay off in that time frame,this is my 3rd loan with them and i love it,thats if you can manage the terms you will be one hand up on them and will never pay the interest

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RE

Repairs Michelle Nowak

I used this service to finance a $700 mattress set. I paid $40 down and then the payment was $25 a week for 3 months/90 days. I knew going into it what it was. I paid my mattress off within 90 days. For those that dont you will pay for another 9 months whatever your payment is every week for the period for the remainder of the lease. So my advice is pay it off in 90 days and you wont feel scammed. Simple as that.

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DE

Deb Schrock

Horrible credit company. We tried on several occasions by phone, and email to contact them to pay off our contract BEFORE the 90 days so we would pay no interest. NO call backs, NO response to emails and finally we go through and because we are now past the cut-off date, they charged us $700 in interest. These guys are totally criminal and should not be trusted for ANY REASON!

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JJ

Jj Whye

I had a great expereince with Simple finance they were very polite and explaining all the terms to there contract. when your money is funny it was good to know they have low down payment and the option to pay off in 90 days. It was a great doing business with them now I own my furniture. Look forward to doing business with them in the future. thanks Guys Jj whye

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