Anonymous

I had absolutely no problems!

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They are not a scam. Read your contract.

So i was online shopping at Value City Furniture, and it had 2 options 1 was to apply for a Value City cc and there was Acceptance Now 90 same as cash but you have to go in the store. So i applied and was approved with a $3000 limit. I went in they wanted me to shop first, my items were about $1600. I was directed to the acceptance now desk and explained the whole process.

Its not a rip off or scheme. U will get a sheet with the total price with in the 90 period(i actually got 120 days my first time). And it explains that the day after your 90th day all the money you already paid only half of the money goes towards your balance. From that point on only half of your monthy payment actually goes towards your balance until it is payed off in full or when your contract ends.

AS LONG AS YOU MAKE YOUR PAYMENTS BEFORE YOUR 90 DAYS YOU PAY NO INTEREST. THEY DO REPORT ONTIME PAYMENTS TO THE CREDIT BUREAU. ALSO YOU CAN PAY MORE THAN YOUR MONTHY PAYMENT, BUT IT HAS TO BE THE AMOUNT OF YOUR MONTHLY PAYMENT SO IF YOUR PAYMENT IS $150 YOU CAN PAY $300 OR $450. So if you read your contract it tells you all of this.

If can pay your items of in the 90 days. And if you cant at least your being reported to credit bureau for ontime payments.

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4 comments
Guest

Contract? I didn't get a stinking contract, they sent me an email with an account number to a substandard website, my account isn't even set up, the only way I can keep up with the payments is through my bank statements.

Guest

Hey your lucky you got a contract. They claim they emailed me one.

Which never came. Though the monthly emails that hey we're taking my money came to my email

Guest

I read my contract u ***. I signed a 24 month contract and they say I have a 33 month contract. They are deceptive and liars.

Guest
reply icon Replying to comment of Guest-1367776

They are predatory ! They lie SOoo bad corporate does nothing, the store manager try's to put it on he DM who won't call back.

Ever.: then the store manager makes *** promises to refund.

Then in same 5 min conversation LIES ! ***

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Anonymous

Horrid! Don't do it !

I have made the same payment amount for several months. Today i check only to find i was charged 115.00 more than normal.

I call and im told " we are trying to get all our accounts a couple of weeks ahead" i told them i did not authorize this amount an wanted the over payment returned immediately. They declined an stated "i authorised what ever they decided to charge when i gave them my card number." This is theft by deception a criminal offense. I have disputed the entire payment an still not received call from regional manager. I will be contacting the attorney general office about these deceptive business practices.

I will also let them know i was threatened with credit ruin if i attempted to end the rental agreement. Not to mention the 115.00 dollars extra went to interest that yet do.

This company steals from an threatens their clients an i will mot stand for it! I will not let this go!

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Reason of review:
Problems with payment
Anonymous

Bad Experience/Beware

If you dont pay after the 90 day your loan will triple. After the 91 my loan went from 1,100 to over 3,000 for some furniture that I bought in an outlet, I know its my fault for trusting them, Last time I will use them, hopefully someone will learn from my errors
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Carletta G Ypn

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Verified Reviewer
| map-marker Springdale, Ohio

Rip off not explained well at all

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Updated by user Oct 12, 2017

Basically you call in and are given a date and price when that date comes the price is higher rip off. Also don't like when you pay on website it never gives you a balance an easy way again to be ripped off because you have to call and get information and 9 times out...

Original review Aug 14, 2017
I been goung through this company and was told if i did not pay furniture off then i would pay a finance charge. So upon call lady told me ok so you owed 800 yoyr finance charge would be added but you will never pay over the 1200.

Ok so i started paying and just noticed it never went down so i started keeping track last month i owed less than 350 payed 165 called in today to be told i still owe 250. So I'm like wait how is that and was told well since you did not pay in the 90 days half money goes towards your bill half to us. So bascially this has been happening and i have more than tripled payed guesd thats why you can't never see a bill or if your account is going down.

Now i have insurance and need repair i can't never get a person to schedule a repair which they make you pay for as well. So lesson learned dont do it it seems all good at first but in the end they a robbing you for your money
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1 comment
Guest

yep If you want to keep your sanity and not be scammed, don't go through this company!

Anonymous

Former employee

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By far the most shadiest company I have worked for. The things they do to their employees and customers.

I was let go by the company after putting in my 2 weeks notice. I wanted to work it but to the best of them the business they wanted to grant me release early then knowing I wasn’t starting my other job right away. Missing 5 days of pay 1 day from my the first week and then 4 days from 2nd week. This company has done so many former employees wrong that I don’t even know how they still exist.

With so many complaints they have on them. Co worker relation called me today(Monday) telling me they allowed to do that if it is best for the business. Know what*** that what is best for the business is to save their money and do other people wrong who have bills and family to take care of. They work you really hard for wack pay and their benefits are not even the best.

They even complain if you go over by 1 minute 1 minute of overtime which to most doesn’t even pay nothing but they can fly jets. Company is pitiful,shady and I hope they rot in ***.

I WANT WHAT THEY OWE ME OR THINGS WELL BE GETTING ALOT WORST! Believe that!

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Anonymous

How is this legal ?

Terrible Shady Company!!! That claimed 0 % interest for 90 days. They charged me a finance charge on every payment. The only allowed me to pay a certain amount and then required me to pay the remaining balance or pay an additional with a very high interest rate. This company is running a scam!!
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Christobal Gbx
map-marker Glen Burnie, Maryland

I'm being scam

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My furnisher was a total of 1,800. I paid $350 to start.

I been paying for a year now $185 that is a total of 2,200 something and they are telling me I still owe 25 more months.

This company rips people off and makes a *** of a lot in interest. Oh and their excuses oh God I don't recommend at all.

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1 comment
Guest

Same this is happening to me right now. This is a lessoned learned that I know better to repeat.

I've paid atleast $2,400 and the furniture was only worth $1,700. I've been helping family and toilet has been running which complex stated would not be an issue. Anyway in the past 4 bills electricity was over $1,000 total which is now resolved. That pushed my finances way past my means.

Anyway, this has caused me to be late and I mist take care of my newborns first.

Now, today I called and was given so many different stories it was ridiculous. There is something called a *waiver fee that supposedly was on the contract that runs consumer at least 12.50 or so. The rep from AN-Ashley says oh if you want that removed we can take that off.

I asked please take it off period, I have renter's insurance and can not afford all of the excessive fees. She goes ok.

Then, rang me up with it on there and before I answered the 3 digit code for the card, I asked, "did you take off the waiver fee?" She goes Ohhhhhh...

Needless to say, please save your money and stay away from financing furniture. Terrible mistake and great lesson.

Anonymous

The worst company I have ever delt with

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To begin I was never told I wouldn't receive free delivery because I went through Acceptance Now and I was told that I had three months to pay it off and as I was making payments the last payment I was supposed to me was 2 days late because I was off shore fishing and they automatically switched me over to a rent-to-own so I ended up having to pay almost another $700 on $1,200 worth of furniture plus they took some of my down payment for delivery ... I was never told that Acceptance Now is really Rent-A-Center which is deceiving and I also told them that if I had known it was Rent-A-Center I never would have got involved with them.

so I left for two and a half months to fish on the west coast and when I just came back as of two days ago I was told that the account has been charged off so now I have to wait another day to go speak with a manager because there's no manager at the store in Warwick Rhode Island ...so in the long run Acceptance Now is the worst company I have ever had to deal with and it explains a lot due to the fact that it is really Rent-A-Center and not some new company that is try to gain customers .it has nothing to do with Bob's Furniture it's just another way for them to get you in and finance you through a deception of ooh we can finance u when I really didn't need to just thought it would be good for my credit but then when it all came down to it it actually ends up being the worst thing for my credit. IN closing I've bin threaten an intimated by there letters an even a visit from there 350pound repo man when I forget to pay one month so if u don't want to deal with all this .I wouldn't get involved with them ...

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Anonymous

Loan sharks in disguise

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I am not even 30 days late on my payment. They came to my house. No notice. No warning. What kind of company is this. Loan sharks in disguise. They tell you if you pay the bill in full in 90 days. That you will be done. Merchandise is paid for. It's all BS. I'm not going to pay 1800 dollars for a sofa that cost 449.
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Anonymous

HORRIBLE CUSTOMER SERVICE

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I called acceptance now to give them a date that I would be able to pay my furniture bill in the mist of the phone conversation the representative WAS VERY RUDE I asked her for her name and she told me she didn’t have to give me her name , and that she wasn’t going to give me her name , i told her how irritated I was with her calling every 6 seconds and she told me well if I’m sick of them calling then I need to stop answering the phone , I got off of work and went to the store to and asked the ASSISTANT MANAGER for the young lady’s name and SHE TOLD ME well she asked me not to give you her name WHAT IN JESUS NAME

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Reason of review:
Poor customer service
1 comment
Guest

Smh this place has HORRIBLE CUSTOMER SERVICE SKILLS they all need to be fired and start over , sorry you had to go through this

Shantrell Oqu

Terrible

I paid off my balance now l am told that nthing is reported to any credit bereauuntil after 90 days.Why so long?Large balances affect my credit ratings
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Anonymous

Horrible. Unfriendly staff, i. My paymentsawpaymentsaw

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Its seemed like my payments were getting lower and after the 4 months they give you to pay it off, my bill seemed to go higher, it is a rip off and they know it. Now i am having to pay 4 yrs of payments. Will never ever donthis again!!! I mean who can pay 2000, off in 4 months. So sad they are just out to get money, not help people with credit as they proclaim!!!!
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Anonymous

Lie lie lie

Dont let acceptance now costomer service lie to you about mot having access to your account. I just talked to them about being over charged an only gave the dollar amount (not change) they came back with an exact payment over charged including cents an the date it was made. Information i never gave them. Haha im not as stupid as they thunk i were (deliberate grammer mistakes). Time for suit.
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Anonymous
map-marker Rockford, Illinois

Thieves

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They never seem to have your agreement the managers call you from their car and have no information. This company some one needs to protect consumers from this deceptive practice company. I for one will make sure I file my complaint. Make no mistake Acceptance now your done helping yourself to my hard earned money
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Reason of review:
Poor customer service
Anonymous

Total scam

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I leased furniture from them and missed my 90 day pay off and they told me how many months my furniture would be payed off but when I looked my balance wasn’t going down AT ALL. They are a total ripoff my furniture should have been payed off my now
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Reason of review:
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