Acima Credit

Do you think Acima Credit is not playing fair?  You have rights under the law and we can help you at no cost to you. UDAAP is an acronym representing laws that prohibit Unfair, Deceptive, or Abusive Acts or Practices in the context of trade or business.

THE BEST PART IS…

If Acima Credit violated the law, you may be entitled to money damages and Acima Credit will pay our fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 312-300-5996 for a free consultation.

What is Acima Credit?

Acima Credit is a financial service company established in 2013. The company prides itself on the proprietary artificial intelligence software it uses in operating its No Credit Needed Point-of-Sale Leasing. Acima Credit leases all kinds of merchandise from automobiles and electronics to appliances, furniture, and mattresses.

Acima Credit’s basic requirement per their site includes applicants who are 18 years or older with active checking accounts seeing at least $1,000 of monthly income, and a government-issued ID, and a social security and ITIN.

Acima Credit Address, Phone Number, and Contact Information

Branch Location
PO Box 1667
Draper, UT 84020

http://www.acimacredit.com/ 

+1 800-742-1789
Customer Support: Monday-Friday 6:30 am- 7:00 pm MT
Saturday 7:30 am -3:30 pm MT

Undisclosed Payment Terms

Customers have complained about huge charges on their cards contrary to the purchase amount they thought they were going to pay monthly. Many cited they were unaware of Acima Credit’s payment terms and that they have not received their contracts explaining the terms. According to their FAQs page, Acima charges the monthly payment plus sales tax.

Exorbitant Interest Rates

Aside from their obscure terms, Acima’s clients have also reported incredible interests. Some debtors reported having paid for their dues timely or having settled their accounts earlier to lessen the interest charges, but were surprised when their credit scores have taken a hit because of Acima’s faulty credit reporting.  

Incorrect Charges

There were also instances of inaccurate charges for multiple clients. In one case, a client was giving credit information over the phone and the agent accidentally charged said client for another customer’s due payment. In another instance, Acima charged a spouse of the client without securing prior authorization to do so. 

Deficient Notices for Credit Updates

Aside from poor customer service, most of the issues against Acima Credit boils down to their failure to report updates on their clients. Many have lamented that Acima had reported them to credit reporting agencies without warning while continuously charging their accounts.

Poor Customer Service

Complaints against Acima Credit enumerated a number of customer service issues including untimely and unhelpful responses, rude agents, and long wait times. Acima representatives had been incredibly unreasonable, requesting for documents like a proof of unemployment (with a company letterhead from the closed business) on a monthly basis to maintain a deferred payment arrangement. Acima clients have also reported changing resolutions from Acima agents about return and refund arrangements. 

Unfortunately, these complaints are just the beginning for Acima Credit. Between obscure payment terms, exorbitant interest rates, incorrect charges, deficient credit updates, and poor customer service, Acima Credit customers are left wondering what options they have regarding their consumer rights. 

We Fix Complaints When Customer Service Won’t

Has Acima Credit used misleading sales tactics? Have you received poor service? Do you have complaints with billing? Do you want customer service at Acima Credit to listen?

A lot of Acima Credit Corporation customers aren’t happy with their service and the Better Business Bureau lists 721 customer complaints against the company in the past three years, including complaints for billing and collections practices, problems with a service/product, advertising and sales, among others.  

If your complaints haven’t been heard, we can help. At Agruss Law Firm, LLC we help customers who have been mistreated by big companies--much like Acima Credit--and we turn your complaints into resolutions!

We’ll not only file your legal demands with Acima Credit, we’ll negotiate with the company. If your claim isn’t resolved through these negotiations, we’ll work through the legal process that is outlined in your Acima Credit contract, which is typically arbitration. 

Agruss Law Firm, LLC gets results--including zero balances, refunds, and other compensation. 

Here’s How to Make Big Companies Listen

It can be frustrating when you rely on a service and don’t get the results you’ve paid for. Big companies make mistakes every day and not only is it their fault, it can cost you money, time, and leave you with big headaches. 

Have you tried calling Acima Credit to address an issue, only to be told that the representative has no authority to do so? Or maybe you’ve tried talking to someone higher up in the company, only to be ignored, dismissed, or they take too long, continuing to waste your precious time. Maybe you’ve sent an email to the company which only resulted in a prefabricated response or they never follow through with what they’ve promised. 

When you’re limited in your choices for service providers or you’re locked into a contract, what can you do?

Fortunately, you do have options. 

Use Arbitration to Settle Your Complaint

Most companies like Acima Credit have an arbitration clause in their contracts to prevent being taken to court for traditional litigation. This is actually an advantage for the consumer. When you request an arbitration hearing, an independent third-party (the arbitrator) with knowledge of the type of situation involved will listen to the facts from both sides and make an impartial, binding decision. Acima Credit will have to do a lot of work and there is no guarantee that they will have a successful outcome. 

Arbitration is Fast, Inexpensive, and Private

Arbitration with Acima Credit is conducted through the American Arbitration Association (AAA). According to the AAA Consumer Due Process Protocol, arbitration through AAA will comply with their Statement of Principles, which includes:

  • The process is fundamentally fair-All parties are entitled to qualified, competent, impartial arbitrators who will conduct a fair hearing.
  • You get access to all relevant information-This includes reasonable costs, confidentiality, reasonable time limits, and meeting times and/or locations that are agreeable to both parties.
  • Transparency-AAA provides clear arbitration agreements and the ability for each side to hire their own representation.
  • Just process-Arbitration allows the arbitrator to award the same relief as traditional litigation in a binding decision. 
  • Alternative to arbitration-Mediation and the ability to take the case to small claims court should be available in some cases.

Arbitration Gives you Control and Leverage

When Acima Credit is alerted that you plan to pursue arbitration, they know it will cost them money out of pocket. Not only do they run the risk of losing the case, but they will also pay for their mistake(s) and the arbitration itself. This gives you more leverage with your demands. 

If Acima Credit doesn’t meet those demands and you have a real complaint, Agruss Law Firm, LLC can help by representing you in arbitration where you will get a fair, just, and transparent hearing.

Control and Leverage Triggers Faster Settlements

Large companies like Acima Credit don’t like the uncertainty and loss of control that comes with arbitration. Not only do they lose the advantage in the situation, but you’re also on equal footing with them in the eyes of arbitration.

The first step in taking on Acima Credit is to formally raise your complaint. The lawyers at Agruss Law Firm, LLC can help you to do so. We will send a letter of demands to the corporate offices of Acima Credit, letting them know that you’re ready to begin arbitration if a satisfactory resolution is not achieved. Typically, this is 30 days, but it will depend on your specific contract with Acima Credit. 

Approximately 50% of cases will settle before proceeding to an arbitration hearing during this time. However, if Acima Credit doesn’t offer a reasonable settlement within the appropriate time frame, the next step would be filing a case with AAA. Agruss Law Firm, LLC will not only put together the necessary paperwork for arbitration, but we will also help you take the next steps in the arbitration process. 

UDAAP and Arbitration

UDAAP is an acronym representing laws that prohibit Unfair, Deceptive, or Abusive Acts or Practices in the context of trade or business. This includes misrepresentation, deception, false advertising, or false promises. These laws emerged following the Dodd-Frank Wall Street Reform and Consumer Protection Act that was enacted in response to the 2008 financial crisis. The ultimate goal with these laws is geared towards protecting consumers involved in financial transactions, educating consumers on their rights, and allowing them access to information and resources to best inform their decisions.

UDAAP laws are regulated by two organizations, the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC). The FTC expanded the initial UDAAP laws in 2004 to include unfair and deceptive acts and practices. Some standards for unfairness, in particular, include if it causes or is likely to cause substantial injury to consumers, the injury is not reasonably avoidable by consumers, and the injury is not outweighed by countervailing benefits to consumers or to competition.

Every state has UDAAP laws, which can vary widely. However, the lawyers at Agruss Law Firm, LLC understand these laws and can use them to get compensation for deceptive practices, representing consumers throughout the country in cases of arbitration at no cost to them. The company will not only pay the consumer, but they will also pay my fees as well. The consumer will never pay me a cent.

If you’re dealing with an issue with Acima Credit, you might try filing a complaint with the BBB or the customer service team with Acima Credit. Unfortunately, these avenues won’t always lead to a successful resolution for you, the customer. Instead, you may want to consider an experienced arbitration lawyer to take on your case. 

Arbitration is a very useful tool for resolving disputes, and Agruss Law Firm, LLC can help. With our expert guidance, we bring the big companies to the table and provide the support needed to get your bills corrected, credit reports fixed, improper fees refunded, and more. Let us pick up the sword for you; you have nothing to lose.

How Do I File a Complaint Against Acima Credit?

We will use your state’s UDAAP law to file a complaint in Arbitration on your behalf at no cost to you. UDAAP laws include misrepresentation, deception, false advertising, or false promises. Under your state’s UDAAP law, you are likely entitled to money damages for your actual damages.  Plus, the other side will pay our fees and costs.  You will not pay us a penny.  These laws emerged following the Dodd-Frank Wall Street Reform and Consumer Protection Act that was enacted in response to the 2008 financial crisis. The ultimate goal with these laws is geared towards protecting consumers involved in financial transactions, educating consumers on their rights, and allowing them access to information and resources to best inform their decisions.

People, First

We are proud to serve consumers in arbitration cases. We see you as a person, not just a client – and that makes us better at the work we do. We listen. We learn your story. And, as we help you get the money you deserve, we go above and beyond in a way most law firms never could and never would. Because we’re not just lawyers. And you’re not just a client. We’re friends, neighbors, family. We’re all people and here at Agruss Law Firm, we put People, First.

Share Your Complaints Below Against Acima Credit

We encourage you to post your complaints about Acima Credit. Sharing your complaints against this big company can help other consumers understand what to do when they have problems with this company. Sharing your experience may help someone else!

We are listening.

Submitted Complaints

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