Purchased some equipment for around $450. I chose to do the 12 month option. I have paid for 11 months at $16.71/week. I have paid over $700 and they recently called and told me I have a bunch of missed payments. I argued with them I had all of my email receipts saying they were paid. Turns out, they send 3 separate transactions to the bank. 2 for $0.00 and 1 for $16.71. Obviously you cant pay $0.00 so they have charged me non payment twice a week for 11 months and now they say even after everything i have paid, I still owe them well over $2000 and the buyout is just over $1000. When I spoke to them over the phone and trying to figure out how they came up with this number, they told me to either pay it or they would report me to the credit bureaus. I asked if they were threatening me and they said no but that's how it works. I said I will get a lawyer because I have proof on my side and they immediately hung up. Called them back and they hung up on me again. Do not use them under any circumstances. I will be blocking their charges from my bank asap!!
I had 2 accounts with them. 1 account I paid on 12 months. And they kept adding more and more. I couldn't seem to get it paid. Saying balance is $160 . Another account I paid on 6 months and could no longer afford and I told them come get merchandise they told me to send pictures. And also said I couldn't give back due to being behind. They swing the balance is more than what the price was out the door from the store, even after paying on it for 6 months at $245 a month. They refuse to work with me. And reporting to credit bureaus. I feel its unfair. This is a rent to own.
Zero stars wasn't an option. I started an application and didn't finish at the store. I read the terms and decided not to buy the furniture, but less then 20 minutes alter I receive an email saying loan was completed. I called then the next day and told them I didn't sign any documents and I didn't pay any processing fee to complete the loan.
No word for 2 weeks then I get an email about non payment. I call them and no help I tell them I don't have any furniture or loan through them. Again no word after the phone call. Six weeks later now ex girlfriend has the furniture delivered and set up while I am at work. Her name was no where on my house lease or furniture lease.
Store, ex girlfriend and loan company are all crooks. I filled police report for fraud with all names listed and submitted it. This companies stupid response is I have the furniture, like I am going to put it on the front lawn to be stolen. 56 days behind on loan and credit score drop over 68 points due to fraud.
I will be looking to build a case against all three parties involved. I have already filled police report and phone records showing me talking to loan company and not a single phone call to store.
I had some car repairs done through Big O Tires and they had a special for 90 days same as cash FREE with no interest. Simple right? The finance company was supposed to divide the total into three months and draft twice a month. Wrong. So wrong. They take only half out on the first draft at no charge.
You have to create a log in and pay the actual rest of that first payment and they charge $5. If you pay extra, they won't deduct on auto pay so you have to log in, make the payment and an extra $5. So in the end it's an extra $30 to $40 you're paying.
If for any reason you go beyond 90 days they charge you 300% interest (total was $587. With their interest rate you would pay back $2000). This company is used at car dealerships, car repair shops, mattress shops etc... Do literally anything else but use them.
They also sell your phone number. Right after I signed the contract with Big O (which I won't be doing again) I started receiving up to 12 scam calls a day. Yes scams, not advertisements. Scams. Like IRS calling from India and Windows telling me I have a virus. This should be illegal!
They tax your payments! Yes that’s right they tax your payments and it does not go towards the the loan. Don’t you dare use these vampires they will suck you dry and not in a good way!!!!
This outragous interest rate was not presented to me. I have made over $500.00 dollars in payments over the last 3 months. My initial balance was $750.00
With their demands, my payoff amount will be over $2000.00 for a 3 month loan. These terms were never presented to me or I wouldnt have done business with them.
Bought a bed opted for 90 day pay out. first week took twice amount of payment then skipped a few weeks. Took payment out when they wanted and for what ever they wanted. Time to pay the did not take money out they said I had to pay double. I opted to pay out at 90 days. Said I missed payments but it was automatic and I have over draft protection. Bank said they never tried to pull out payoff.
Acima Credit Reviews
zero
Robo / scam calls that won't stop.
Predatory lending
Purchased some equipment for around $450. I chose to do the 12 month option. I have paid for 11 months at $16.71/week. I have paid over $700 and they recently called and told me I have a bunch of missed payments. I argued with them I had all of my email receipts saying they were paid. Turns out, they send 3 separate transactions to the bank. 2 for $0.00 and 1 for $16.71. Obviously you cant pay $0.00 so they have charged me non payment twice a week for 11 months and now they say even after everything i have paid, I still owe them well over $2000 and the buyout is just over $1000. When I spoke to them over the phone and trying to figure out how they came up with this number, they told me to either pay it or they would report me to the credit bureaus. I asked if they were threatening me and they said no but that's how it works. I said I will get a lawyer because I have proof on my side and they immediately hung up. Called them back and they hung up on me again. Do not use them under any circumstances. I will be blocking their charges from my bank asap!!
Collection
I had 2 accounts with them. 1 account I paid on 12 months. And they kept adding more and more. I couldn't seem to get it paid. Saying balance is $160 . Another account I paid on 6 months and could no longer afford and I told them come get merchandise they told me to send pictures. And also said I couldn't give back due to being behind. They swing the balance is more than what the price was out the door from the store, even after paying on it for 6 months at $245 a month. They refuse to work with me. And reporting to credit bureaus. I feel its unfair. This is a rent to own.
Zero stars wasn't an option. I started an application and didn't finish at the store. I read the terms and decided not to buy the furniture, but less then 20 minutes alter I receive an email saying loan was completed. I called then the next day and told them I didn't sign any documents and I didn't pay any processing fee to complete the loan.
No word for 2 weeks then I get an email about non payment. I call them and no help I tell them I don't have any furniture or loan through them. Again no word after the phone call. Six weeks later now ex girlfriend has the furniture delivered and set up while I am at work. Her name was no where on my house lease or furniture lease.
Store, ex girlfriend and loan company are all crooks. I filled police report for fraud with all names listed and submitted it. This companies stupid response is I have the furniture, like I am going to put it on the front lawn to be stolen. 56 days behind on loan and credit score drop over 68 points due to fraud.
I will be looking to build a case against all three parties involved. I have already filled police report and phone records showing me talking to loan company and not a single phone call to store.
I had some car repairs done through Big O Tires and they had a special for 90 days same as cash FREE with no interest. Simple right? The finance company was supposed to divide the total into three months and draft twice a month. Wrong. So wrong. They take only half out on the first draft at no charge.
You have to create a log in and pay the actual rest of that first payment and they charge $5. If you pay extra, they won't deduct on auto pay so you have to log in, make the payment and an extra $5. So in the end it's an extra $30 to $40 you're paying.
If for any reason you go beyond 90 days they charge you 300% interest (total was $587. With their interest rate you would pay back $2000). This company is used at car dealerships, car repair shops, mattress shops etc... Do literally anything else but use them.
They also sell your phone number. Right after I signed the contract with Big O (which I won't be doing again) I started receiving up to 12 scam calls a day. Yes scams, not advertisements. Scams. Like IRS calling from India and Windows telling me I have a virus. This should be illegal!
They suck
They tax your payments! Yes that’s right they tax your payments and it does not go towards the the loan. Don’t you dare use these vampires they will suck you dry and not in a good way!!!!
This outragous interest rate was not presented to me. I have made over $500.00 dollars in payments over the last 3 months. My initial balance was $750.00
With their demands, my payoff amount will be over $2000.00 for a 3 month loan. These terms were never presented to me or I wouldnt have done business with them.
Bought a bed opted for 90 day pay out. first week took twice amount of payment then skipped a few weeks. Took payment out when they wanted and for what ever they wanted. Time to pay the did not take money out they said I had to pay double. I opted to pay out at 90 days. Said I missed payments but it was automatic and I have over draft protection. Bank said they never tried to pull out payoff.