Acceptance Now - Worst Experience, Scam Artist Company

AcceptanceNow is a horrific organization. I will try not to be too lengthy. I purchased an approximately 500 dollar dinette from Value City. At the time, I figured the set was rather pretty and small enough for my dining room. Also, it was a round table which is important because I have a toddler (no sharp edges). Nonetheless, I went through AcceptanceNow because they report to the credit bureaus. After going through the application at Value City, it was explained that the dinette would be paid off in 120 days with four monthly installments of $100. (worth noting I paid for the insurance and delivery fees upfront which was almost $300 but that's another story). Anyway, my payments were deducted on the 15th of each month. Therefore, in July I was excited about the last payment. August rolls around, and I get a text from them regarding my payment. I call the company, and they proceed to tell me that the $100 a month was for something else; and that it was my job to notify them that I wanted the 120 days same as cash because otherwise, it would go into the regular lease period. The dinette was only $500, and I never spoke with anyone about anything other than 120 days same as cash. So the AcceptanceNow manager tells me that there is an additional $370 owed on the furniture because I did not pay it off within $120 days even though they took the payments as scheduled. So now I have to either eat the cost and pay including delivery taxes and fees $900 for a dinette that is barely worth $500. I do not know if I can sue, but OMG..please do not do business with this company ever. I'd rather sit on crates. This business is awful
View full review
1 comment
Anonymous
#1540727

hi, I’m sorry you had a horrible experience, but AcceptanceNow is not designed to your furniture paid off in full at the ending date of your 4th month SAC date, on that date you will actually have the remaining balance that the payments didn’t fully cover plus the taxes. It is a credit building program. 4 months is completely optional, and yes if you go past that option you will be set in term with leasing fees, or you may pay out your EPO with a minor increase due to the leasing fees.

ID
#1328419 Review #1328419 is a subjective opinion of poster.
Service
Acceptance Now Furniture Leasing
Reason of review
Pricing issue
Loss
$371
1.0
Details
I have paid for the furniture times 3 and they still say I owe 710.00 for a bed for my son- I went with he 90s days same as cash and month two lost my job due to a lay off- 150.00 a month for two years and a 1500 dollar bed and dresser isn't paid off?!!! I have...
View full review
ID
#1317402 Review #1317402 is a subjective opinion of poster.
Location
Raleigh, North Carolina
Service
Acceptance Now Furniture Leasing
Reason of review
Poor customer service
Loss
$4000
Preferred solution
Full refund
You will end up paying 3xs at the least the price of the furniture purchase when all said and done. They don’t stress the fact if you don’t pay off total price in 90 days you pay interest rate over 100% the cost of item. My 2000 dollar purchase ended up costing 6000...
View full review
ID
#1306237 Review #1306237 is a subjective opinion of poster.
Service
Acceptance Now Furniture Leasing
Pros
  • Disturbing at best
  • Hell
Cons
  • Your policies
Reason of review
Service of not as presented
Loss
$5794
Preferred solution
Let the company propose a solution
I called Acceptance Now after getting approved online for $1650. I wanted to purchase 2 dressers from Value City for a just about $1000. I was told only $49 was needed today. That wasn't the problem. After taking into consideration taxes and delivery fees, my purchase...
View full review
ID
#1302723 Review #1302723 is a subjective opinion of poster.
Service
Acceptance Now Furniture Leasing
Reason of review
Problems with payment
1.5
Details
This is the 3rd rent to own purchase we have made with Acceptance Now. We paid the other two off on FULL...We missed one payment on the current one and were trying to call and pay over the phone. The customer service rep REFUSED to take a payment and stated that after...
View full review
1 comment
Anonymous
#1516854

They're very professional ; they don't take excuses from deadbeats. Pay your bills on time and if you don't like a company, don't patronize them.

If you have a legitimate, legal complaint, it must be handled in writing - NO telephone calls, e-mails, etc.

Writing only, and served via Certified Mail return receipt requested. You then establish a legally admissible timeline.

ID
#1300853 Review #1300853 is a subjective opinion of poster.
Service
Acceptance Now Furniture Leasing
Reason of review
Problems with payment
I just want to pay off my account or return the furniture and buy with cash at this point. I work long hours and can't always accomodate their phone calls within business hours. Their online system is faulty at best and insecure - the user id field is fillable on...
View full review
ID
#1299578 Review #1299578 is a subjective opinion of poster.
Service
Acceptance Now Furniture Leasing
Reason of review
Problems with payment

Acceptance Now - Disappointed

1.0
Details
They purposely omit to give you information about the waiver fee. They say they are only charging you $40 for processing fee and the rest is going to your account. Thats a lie! Until you make the math and realize the numbers dont add up. They say 0% finance for 3 months but still charge you a waiver fee for financing with them every month, even for the first 3 months. They are a scam!Angry
View full review
ID
#1297458 Review #1297458 is a subjective opinion of poster.
Service
Acceptance Now Furniture Leasing
Reason of review
Not as described/ advertised
I will never use this company or refer this company to ANYONE ever!!!! Worst company ever, shame on BOB's furniture for allowing this company to provide financing when you're not approved thru BOB's!! This company rips off people of their hard earned money!! I bought...
View full review
ID
#1295866 Review #1295866 is a subjective opinion of poster.
Location
Forest Park, Georgia
Service
Acceptance Now Furniture Leasing
Reason of review
Poor customer service, pricing issues, overcharging, theft!!!
Preferred solution
The price of the furniture has been paid, plus their exorbant fees, THis company still wants to charge 4x what the furniture is worth, entering into a 36 month agreement for FURNITURE which I didn't agree

Acceptance Now - Sad wrong they don’t care

1.6
Details
So I got my loan for furniture for 3098.00. So far I’ve paid on time a total of 3611.00 I call to see what I owe they say 2706.04. I still don’t see how this much taxes and fees accumulated? So he say it’s how they make money. Just charge double interest on the loan! Do not go through this company!!!!
View full review
ID
#1294691 Review #1294691 is a subjective opinion of poster.
Service
Acceptance Now Furniture Leasing
Reason of review
Pricing issue
all i wanted to do is pay off my furniture and receive a receipt,its been a month as of today... still havent recieved receipt.VALUE city at POLARIS MALL RUDE GIRL BY THE NAME OF SUMMER LIED TO ME ABOUT MY BALANCE!!!also stated its the company fault she didnt have...
View full review
ID
#1291828 Review #1291828 is a subjective opinion of poster.
Service
Acceptance Now Furniture Leasing
Cons
  • Summer your empolyee at polaris mall columbus oh
  • I did not like
  • Payments too high and poor customer service
Reason of review
3/above poor cus.payment more
Preferred solution
Let the company propose a solution
1.4
Details
I got financing through Acceptance Now, I purchase bedroom suit from American Signature -Morrow GA ,the worst experience I've ever had in my life. The salesperson was very nice, very accommodating it was during Thanksgiving 2017 they had a sale they offer free delivery...
View full review
ID
#1287591 Review #1287591 is a subjective opinion of poster.
Service
Acceptance Now Furniture Leasing
Reason of review
Problems with payment
I have just read the reviews about this company. It talks about ripping customers off, charging them ever after they signed the contract for 90 days with no interest. I just got credit through them and I ordered a couple of dresser and mirror.I was told I would have to...
View full review
3 comments
Floyde
#1516844

Take you beginning balance, divide by three and round up. That is what you need to pay within 90 days to save paying the interest.Now, if you can actually do that, you really shouldn't have financed something to begin with.

Save up for your next purchase and pay cash. Makes life so much easier.

View more comments
ID
#1286023 Review #1286023 is a subjective opinion of poster.
Service
Acceptance Now Furniture Leasing
Reason of review
Not sure if I was lied by Amy & Tony. Tony has bad customer service and not really impressed because of his customer service. I hope that all the reviews I have read aren't negative and that Ashley Furniture is be truthful and not a lie or a scam.
1.9
Details
THEN ANOTHER 12% through ACCEPTANCE NOW. In total I payed $977. If I would have bought it without the program it would have been Around $796. So honestly it wasn’t that bad. Just don’t get stuck with those horrible FINANCE CHARGES. If I didn’t pay it within 90 days I...
View full review
ID
#1285902 Review #1285902 is a subjective opinion of poster.
Service
Acceptance Now Furniture Leasing
Reason of review
Pricing issue

Acceptance Now - Upset

I wanted to pay the furniture off I owe like 175.00 but every month I have to pay 147.00 for lease this has been going for two years
View full review
ID
#1280833 Review #1280833 is a subjective opinion of poster.
Service
Acceptance Now Furniture Leasing
Reason of review
Problems with payment
1.5
Details
00 worth of furniture from Bobs stores. Plus they start calling me and texting me the day before my payment is due. They wrote down the wrong payment date plus theres supposed to be a 10 day grace period but the calls and texts start the day before the first payment...
View full review
2 comments
Anonymous
#1498250

There is no possible way that your down payment or lease payment could have doubled? You pay your down payment the day you open the contract?

You would have been told what it was right then and there same as your monthly payment which stays the same through out your contract? So your review doesn't make any sense if your down payment doubled why did you open account? What you pay in interest for your furniture depends on you the consumer, not the company. You are given the 3 options to payoff.

Again if you choose to pay every payment to the end then yes you are paying almost triple the retailers cost.

Everything is explained and in your contract you need to read it. It's not a scam it's business.

View more comments
ID
#1276367 Review #1276367 is a subjective opinion of poster.
Service
Acceptance Now Furniture Leasing
Reason of review
Pricing issue