Anonymous
map-marker Brooklyn, New York

NEVER USE THIS PROGRAM - STAY AWAY AT ALL COST

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1ST DO YOU KNOW THIS IS RAC??? I BOUGHT FURNITURE FROM BOB'S DISCOUNT -- 1999.00 PLUS DELIVERY FOR A TOTAL OF APPROX.

2300-- THEY TOOK MY FIRST -PAYMENT WITH THE DELIVERY CHARGE - I JUST MADE MY 5TH PAYMENT AND MY TOTAL IS 2259.00 - I'M EXPLAINED THIS IS RENT -- AT THE END OF THE 30 MONTHS THE FURNITURE WILL COST ME APPROX. 6000.00 -- I DID NOT JOIN THIS PROGRAM TO RENT.

I BOUGHT THIS FURNITURE TO BUY FURNITURE - THERE IS SOMETHIN VERY ILLEGAL THEY ARE DOING -- YOU MAKE MONTHLY PAYMENTS SO THE COST GOES DOWN -- MY COST KEEP GOING UP --PAY IT OFF WITHIN 3 MONTHS IF YOU CAN TO AVOID THIS NIGHTMARE!

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Cons:
  • Tactics
Reason of review:
Problems with payment

Preferred solution: Let the company propose a solution

2 comments
Guest

Maybe you're new to the planet, but while allowing companies to poach this kind of interest markup is ridiculous, this isn't a new practice.

I did get a TV through them that I paid before the 90 days was up, but I did that knowing I would be doing so - to avoid the finance charges. I'm unaware of your experience, but all the fees and cost after the 90 days was explained to me.

I went in knowing the fine print - which all people should do, if you did not that is your fault.

While I understand your frustration, blaming a company for the practice they set forth and do not force you to sign papers for(unless you are AGREEING to the terms)is unfair. They did not "do you wrong", you agreed to the terms when you signed papers and gave them payment.

Guest

Hello, I work for Acceptance Now. While Acceptance Now is a subsidiary of RAC, they are not the same.

We’d really like to address your concerns directly.

Please give us a call at 1-80*-***-****. We look forward to speaking with you.

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Anonymous
map-marker New Orleans, Louisiana

Acceptance Now - Manager Review from New Orleans, Louisiana

I purchased an electric maytag dryer from them inside the hhgregs on westbank in new orleans. The dryer was on sale for $399.00 once i purchased looked at my paper it was sold to me for regular price. Sales ladyfrom Acceptance Now had some kind of "bull" to give to me bout the price. I let it ride but then i was 1 day late got charged $16.00 late fee. Then my 90 days was up on 8/29/15 when i called to let them know i was on my way to pay it off the employee that work that day didnt answer. So i called HH Greg Store to ask bout Acceptance Now Employee i was told the lady was at lunch @2:45, 3 pm no employee i called the store at 4pm they said she just went to lunch 5:45pm no employee it wasnt until 6pm she had the gall and nerve to call me back and ask how can she help me. I thought lunch was 30 minutes to 1 hour. I told her what i wanted to pay off my account she stated my 90 days was up a day ago. So i paid $499.00 made payments on time except one month i was late so now to get out this i have to pay $461.00 tried to pay $100.00 today but for there own reason only a payment could be made. When i ask bout my pay off she stated $460.00 I was PISSED. I left went spoke to a store manager and clerk. Store manager didnt give a dam that i wouldnt buy *** from them again but the clerk kept apologzing for my situation. WORD TO THE WISE WHEN U HAVE NO ONE SHOPPING IN YOUR STORE U MAKES NO MONEY AUTOMATIC STORE CLOSING. I WILL NEVER BUY ANYTHING EVER FROM HHGREGS BECAUSE OF ACCETANCE NOW THIS RIP OFF COMPANY MET THE WRONG CUSTOMER. AS FOR THAT EVENING STORE MANAGER FROM HHGREGS YOU SHOULD BE PLACED IN TRAINING CLASS FOR COMPASSION BECAUSE U HAD NONE YOU WALKED AWAY FROM ME WHILE I WAS FUSSING ABOUT THAT EXTORSION COMPANY U SUBLEASED TO. IF YOUR READING THIS BUYERS BEWARE MY SMALL ELECTRIC DRYER IS COSTING ME $1,000.00 AND ITS NOT A HIGH PERFORMACE DRYER, BEWARE BEWARE IT WILLL COST YOU YOUR LIFE, I BELIEVE ACCEPTANCE NOW WILL DIG UP YOUR GRAVE TO GET THERES.
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Reason of review:
Pricing issue
2 comments
Guest

Hello, I work for Acceptance Now. We’re sorry to hear about the issues you’re having with your dryer, and would definitely like to discuss what we can do to help.

Would you mind giving our Customer Care team a call at 1-80*-***-****, when you get the chance? Thanks!

Guest

Worst desision I ever made!! Don't do it!

I bought a sofa and a coffe table at American Signature Furniture. the sales guy the first three months are interest free , you just need to pay the membership fee, plus the tax. My balance due was 1219.00 when I bought the furniture. I couldnt paid off before the 120 days, in my forth month payment I asked how much Is the remaining balance by phone , the answer was you need to go directly tk the store to ask.

when I went to make the monthly paymsnt I asked how much is the reamaning balance for next month, the girl that serviced me the same one from the begining said it was only 390.00 the total amount for next month when I go next month the total amount was actually $1081!!!! I paid over $800 just in interest and only aported $138 to the principal after 5 months!!! when Inasked her abot the interest, she said yhe first four months were interest free . they were just charging me the interest $163 of interest!!

In Resumen. If you dont have the money go used a credit card or wait and save the money , but dont be another fool like I was

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Anonymous
map-marker Massillon, Ohio

Acceptance Now School Review from Massillon, Ohio

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Rude and unprofessional sales reps, and managers.
View full review
Reason of review:
Poor customer service
1 comment
Guest

Hello, I work for Acceptance Now. We would really like to get some more information about your Acceptance Now experience and see what we can do to help.

Would you mind giving our Customer Care team a call at 1-80*-***-****, when you get the chance? Thank you so much and have a great day!

Anonymous

DO NOT BE FOOLED!

Had a very bad experience with RAC Acceptance Now at Gaithersburg, MD, when we went to Ashley Furniture. They advertised no interest if paid in 90 days. Turns out, they charge you monthly rentals within those 90 days, plus you pay $12.50 for liability waiver, and another $12.50 for a Benefits Plus membership which you don't really need because Ashley charges $150 for a 5-year warranty. It should have been optional but they tell you it's required on the first month, and as long as you tell them you don't want them anymore after 30 days, they won't charge you again. Of course we explicitly told them to remove those two, come to find out, we were charged 3 months worth of liability waiver because we paid 1/3 of the financed amount (thinking we'd divvy up the payments into 3 and pay out before the 90 days). We cannot wait to pay it out and get rid of them. So, if you can help it, DO NOT by all means, be persuaded to finance via Acceptance Now. They fool you in thinking about the early-purchase option but really, it is a monthly rental. They charge 10% interest that goes in the monthly rental, and the thing is, even if you plan to pay out before the 90 days is up, you still end up paying 10% interest into the 2 months rental. They do not explain the contract with you enough, and the 10% according to them is verbal. It is not written anywhere in the contract explicitly, it is already included in the monthly rental schedule. YOU WASTE MONEY. Their contract is shady, their staff at this branch are all incompetent and untrained. They can tell you one thing when you're at the store and tell you another the next month. They are not BBB accredited, you're better off just using an Ashley credit card (at least they offer deferred payments if paid in 6 or 12 months). STAY AWAY FROM ACCEPTANCE NOW BEFORE IT'S TOO LATE!
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Reason of review:
Pricing issue
3 comments
Guest

Hello, I work for Acceptance Now. We’re sorry to hear that you had a disappointing experience at the Gaithersburg, MD store.

We would really like to speak with you about it and see what we can do to help.

Would you mind giving our Customer Care team a call at 1-80*-***-****? Thank you.

Guest
reply icon Replying to comment of Guest-1034485

I appreciate you calling me today and crediting the $41 of liability waiver that was charged to me when I paid more than the rental amount due for the month of August. That was one of the things that I was not happy about and that the staff at Gaithersburg insisted that there is nothing that can be done about it, but I'm glad, that you were able to credit it.

Guest

I just had the same problem now they are saying i pay the tavle all over again

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Anonymous
map-marker La Vernia, Texas

Review in Furniture and Decor category

Don't go they are a TOTAL RIP OFF
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1 comment
Guest

Hello, I work for Acceptance Now. We’d really like to get some feedback about your experience with our store and see what we can do to turn those feelings around.

Would you mind giving our Customer Care team a call at 1-80*-***-****, when you get the chance? We look forward to speaking with you.

Anonymous
map-marker Hickory Hills, Illinois

Acceptance Now Furniture Lease Review from Hickory Hills, Illinois

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I had to use this acceptance now the guy straight up lied to me and my wife we bought a couch it was $2000 the guy said if we took the full loan we would end up paying $6000 for the couch we told him that we were NOT going to pay $6000 for the couch we asked if we could make double payments he said yes and then he sold me some insurance if I get laid off of work the insurance would pay 3 months until I went back to work he knew from the beginning I made cash and I didn't qualify for the insurance but sold it to me anyway needless to say they really stuck it to me can't make extra payments have to pay the full loan of $6000 and the insurance I paid for a little over a year when I needed it they told me I didn't qualify and they didn't give me my money back or even apply it to the loan

View full review
Reason of review:
Problems with payment
1 comment
Guest

Hello, I work for Acceptance Now. We’d be more than happy to look into this for you and see what we can do to help.

Please give our Customer Care team a call at 1-80*-***-****. Thank you.

Roann Xot
map-marker Salisbury, North Carolina

Acceptance Now Program Review from Salisbury, North Carolina

Acceptance now is full of ***. I was paying on my furniture for a year and some months. 172 a month for a dinette set and a living set. The total of these came up to about 1400 after taxes and warranty. Well when I was a year into my agreement I call to see what my pay off amount was I was informed that I still owe 1109. So of paying 172 for 12 months I only paid about three hundred. a little after that I got into hard times and called for a pickup. I ask is the amount I paid into enough to keep the dinnette set. They told me it doesn't work like that and that it is a package deal. They told me they can let me know what local rent a center it goes to and I can work out some with them. Really I am going to pay more money for something that cost 300 dollars. And they say the payment would show on your credit but they fail to say it's not the amount you pay. On mine it only shows 123 of the 172. I would not even send my enemy to this company. They are a total scam Taking money from those who credit can not get a traditional loan.
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Reason of review:
Pricing issue
4 comments
Guest

Yeah they suck *** and let me just say I will never step another foot in Mathis. Brothers ever again to buy anything from them rca now can Kiss my *** ***.

Guest

Hello! I work for Acceptance now!

We’d really like to look into your concerns further and see what we can do to resolve any payment issues you’re having.

Please give us a call at 1-80*-***-**** when you get the chance. Thanks so much!

Roann Xot
reply icon Replying to comment of Guest-1010269

I am currently waiting for collection to get the furniture. Nobody has called to set a time even I call twice and said I want them to come get it.

I would not want to keep it even if I had the payments. after looking at it I would have paid for this furniture four times over with this lease purchase scam

Guest
reply icon Replying to comment of Guest-1010269

I agree Acceptance now is a scam. Why can't you pay on principal to own it like other companies after 6 months??

I will be writing to better business bureau , notifying everyone I know and also social media.

Bobs furniture too should not damage their name either. I will be writing to them as well.

View more comments (3)
Anonymous
map-marker Clarksville, Indiana

Bait and Switch

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Went in thinking i was paying to own the furniture and now being told that i was only renting. I've paid over $150 more then what the actual furniture is selling for in-store and now was told that I would have to make 15 more payments because only $42 is going toward purchase the rest is rental.

So it would be a total of $2,100 for $600 work of furniture. This is not what was explained to me and their paperwork is confusing. Also looking at the paperwork there is a man's signature even though a women was helping me. I've tried several times to call the district manager and never receive a call back.

I'm so pissed I just wasted $700. I would never recommend this company they are as bad as pay day loans.

View full review
Loss:
$750
Cons:
  • False information to credit bureau
  • Repeatedly lied to
  • No phone answer
Reason of review:
didn't get what i signed up for

Preferred solution: i've paid off the price of the furniture. i just want the furniture without paying trip the selling price.

1 comment
Guest

Hello, I work for Acceptance Now. We’d be more than happy to speak with you directly about your payments and make sure everything is clear.

Please give our Customer Care team a call at 1-80*-***-****. Thank you!

Norvell Eto
map-marker Fairfax, Virginia

Dont use them.

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We used acceptance now to help boost our credit score to buy a house. We paid on time every time. Now that we closed on our house, we wanted to return the furniture. We have scheduled several pick-ups and they keep saying they coming. So on our last day to turn in the key to our apartment, they stated they was coming and never showed up. I turned in the key and talked with my apartment and they stated they would let them in, send them an e-mail stating who I am authorizing to go in the apartment, so I did as my apartment requested. The next day, the acceptance pick-up guy called and said he was on the way. Then I get a call and he stated he was at the apartment and they wouldn't let him in. I says "take them the phone, so I can see what the problem is, because they said they would let you in", then he said, I'm not taking them the phone and all this other ***. So I hung up and called the apartment office and they stated no one haven't been in to pick up the furniture. So I got an e-mail yesterday from my apartment saying, they are charging me rent because the furniture is still there.
View full review
Loss:
$2880
Cons:
  • Sales person was great
Reason of review:
everything bad, i'm being charge a full months rent, because funtiture still in my old aparment.

Preferred solution: Full refund

1 comment
Guest

Hello, I work for Acceptance Now. We’d be more than happy to speak with you about this, and see if there is anything we can do to help.

Please give us a call at 1-80*-***-****, when you get the chance. Thanks!

Anonymous
map-marker Charlotte, North Carolina

Furniture

They lied. Said I couldn't credit is why I came to them. That's a lie, the salesman told me to try this, I didn't know what it was. I bought two chairs for 758 last September at 120 a month they are saying that I still owe $900. They were never $900! They would not return my calls the people at Ashley Furniture. start calling the day the payment is due. I will not ever get anything from them again. I asked for a copy of the contract the store said that they were not allowed to give me that. It has been a nightmare with them. They are over charging and increasing the interest rates. This is not helping people this is making it impossible to get ahead.
View full review
Cons:
  • Misleading information
  • Harassment an
  • Tactics
Reason of review:
Not as described/ advertised
1 comment
Guest

Hello, I work for Acceptance Now. We certainly never want you to feel mislead, and would like to see what we can do to make sure any issues are addressed and cleared up.

Would you mind giving our Customer Care team a call at 1-80*-***-****, when you get the chance? Thank you.

Anonymous
map-marker Wilmington, Delaware

Complaint

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I made the mistake of entering into an agreement to purchase furniture with this company not realizing it was rent to own. Due to fatigue from moving I fell for their tactics even though I did try to get out of the agreement as soon as I left the store.

I was lied to about my payment amount and the need to purchase their insurance. I have requested numerous times to have their legal department contact me and this was ignored. You are never provided a statement to see what you have paid and what is owed. You can only pay online or calling the store to deal with personnel that lied to you in the first place.

The online system is frequently unavailable. I am filing a complaint with the Attorney Generals office for them being misleading in the contract negotiation. Contacting the regional office doesn't really help. You are not given full names (no last name) and I was only able to deal via text which they started ignoring.

I would not recommend dealing with them at all.

I may get an Attorney to review the contract. They do not like to put anything in writing which is also shady.

View full review
Loss:
$1200
Cons:
  • Mislead
  • Harassment an
  • Repeatedly lied to
Reason of review:
they are not truthful and online payment system is frequently down

Preferred solution: They need to be more truthful and transparent in the dealings with customers. They have violated consumer fraud law in my state from what I have read

2 comments
Guest

Please everyone who has complaints in Acceptance now. Please post your complaints on social media, Facebook, Twitter and Instigram. Nobody is seeing your complaints on this site you must post on social media to let the world know what big crooks acceptance now and RAC are...

Guest

Hello, I work for Acceptance Now. We certainly never want you to feel mislead, and would be more than happy to discuss your concerns with you and help clear things up.

Please give our Customer Care team a call at 1-80*-***-****. Thank you.

View more comments (1)
Anonymous
map-marker Owings Mills, Maryland

Acceptance Now - Manager Review from Owings Mills, Maryland

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Enrolled in Acceptance Now at Bobs Furniture in Springfield, PA on 1/25/15. Was told by the rep that our 90 day payoff period began on the date of our delivery, 2/21/15. We planned to pay the total off by end of April with our tax return but ended up getting way less than expexted on that. And so we are now making monthly "lease" payments. But every time we make a payment, our remaining balance goes up! No one can fully explain this at the store...they are rude and scamming people. They never explain the full terms from the beginning. We've paid to date, 8/14/15, over $3800 on an order that was originally $3500...yet WE STILL OWE $3200 SOMETHING SO FAR!!!! they tell us it is the INTEREST. I asked tonight at the store, what is the interest, 100%?! They told me they don't know and that it's "computer generated". The rep who we originally bought with back in January proceeded to CURSE at us when my husband got upset and flat out told him to "shut the *** up". I cursed back at her and told her i will do the same to her... She tells me i didn't hear anything, etc etc. Totally unprofessional and rude. Total scam. She told us that she never told us the day we bought that our 90 days started on the delivery day (even tho she did) and that no one listens. Cursed at us multiple times and NO ONE CAME OVER TO US... NO OTHER MANAGER OR EMPLOYEE. totally unbelievable.... Do not buy from here and definitely dont enroll in Acceptance Now!!! I am in the process of waiting for a district manager to contact me about all this.
View full review
Reason of review:
Pricing issue
2 comments
Adamariz Hct

Same problem here...you r renting the furniture instead of really renting to own..we are paying triple because they lied up up front about the financing..like if u financed a car u make your monthly payments to pay off...which decreases your balance....but in this case we are just renting sad I know..never was this explained....in my case I totally knew I was renting but when I make my payments I thought it would decrease my balance but not in this case you r just renting

Guest

Hello, I work for Acceptance Now! We’d like to look into your payment issues for you and see what we can do to clear things up.

Please give us a call at 1-80*-***-****. Thanks!

View more comments (1)
Anonymous
map-marker Bartow, Florida

JUST GOT APPROVED

OMG!! so glad I looked on line to see the reviews for this company, I guess I better just save my money and go and pay for it in full, really do not need no problems like this in my life. I know some people do not pay their bills but I think everyone should be looked at on a individual basis. I do not want to owe no one but I also have to live off my salary not just pay for a stove and refrigerator the rest of my life. I did not know that it was a rent to own.
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Anonymous
map-marker Havertown, Pennsylvania

Liers liers liers

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i was lied to from the beginning. they rushed us through the contract signing. told me that its 6 months same as cash ( but found out on the 4th month that it was 3 months same as cash) then the extra money i put towards my bill the first 3 months to get it paid off in 6 months i was told doesnt exist any more that i entered a new billing cycle that i had a year to pay it off. sounds ok right? absolutely not. now only about 30 % of what i was paying was actually going towards the furniture. so i had a year to pay back 2600, but i can only pay one month, two months, or pay the rest at once as options. they make their contract so confusing that you actually believe your getting a good dealk but really your getting financially raped. this company needs to be shut down, boycotted, and a class action filed against them. DO NOT USE THEM TO GET YOUR ITEMS
View full review
Loss:
$1500
Cons:
  • Mislead
  • Terrible customer service
  • Being misled lied too
Reason of review:
Problems with payment

Preferred solution: Full refund

1 comment
Guest

Hello! I work for Acceptance Now!

We apologize for any misunderstandings when you signed up, and would love to help clear up any questions or concerns.

Please give our Customer Care team a call at 1-80*-***-**** when you get the chance, so we can discuss this further with you. Thanks!

Anonymous
map-marker Los Angeles, California

Acceptance Now Lease Agreement Review from Los Angeles, California

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First they told I got accepted for 1600 .Then the next day said i can only get 1400. Then she said I only have to put 44 dollars down. But when the boss came in the next day it was 121.00. They all lie and deceive
View full review
Reason of review:
Problems with payment
1 comment
Guest

Hello, I work for Acceptance Now. We definitely do not want you to ever feel mislead, and would like to look into what is going on.

Would you mind giving our Customer Care team a call at 1-80*-***-****, when you get the chance?

We look forward to speaking with you. Thank you so much!

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