1.0
Details
Went to rooms to go in Mid Feb to purchase a sofa and chair (cash). I ended up paying cash for the sofa and financed the chair through RAC finance on 90 days same as cash because I thought this was a perfect chance to have some on time positive payments on my credit. I...
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70 comments
Jennessa
#1799602

I am not understanding a lot of these negative comments. READ YOUR CONTRACTS PEOPLE!

I recently did business with Acceptance Now through Bob’s Discount Furniture. My contract clearly breaks down my total ($2395 for a bedroom set, dining room set, a mattress, and some memory foam pillows) as well as the interest I would pay ($2600 and some change) if I don’t pay off my balance in 120 days. They also told me the date I had to pay off the balance before the interest charges would be added. The agreement included an early pay off breakdown that showed the cost of ownership after the 120 days same as cash option.

Yes, the rate of interest is ridiculous (it’s a little over 18%). Yes, it is an expensive form of borrowing if you do not pay it off within the 120 day period. However the contract explains all of this. It also tells me how to calculate what I’d owe to pay it off in the 120 days, that I have to do it BEFORE my due date, and the date the 120 day offer expires.

The contract states that i don’t have to join the club and am allowed to request that my membership be voided. It also says how much of my monthly payments is allotted for my rental balance, and how much of it goes towards other fees and taxes. The sum total of your monthly payments are NOT applicable to your rent even during the initial 120 day period. That’s a gross misconception that people make on their own.

Now the only reason I did this was because I needed furniture for my apartment and because I knew that I would be able to take advantage of the 120 day offer. Otherwise I wouldn’t have done it as it is an extremely expensive form of borrowing.

Many of these complaints (aside from some legitimate complaints about final payments not registering) could be avoided if people read. Stop listening to what the sales reps tell you and read your contracts for yourself.

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Review
#637739 Review #637739 is a subjective opinion of poster.
Service
Acceptance Now Manager
Pros
  • Rooms to go salesman
Cons
  • Due dates
  • Payment arrangements
  • Mislead
Reason of review
Poor customer service
Preferred solution
Retro
I want to know how this company can get away with charging me so much with no having no knowledge of it. The bedroom set was $1800.00 after all my payments it is gonna cost me $5179.00. How is this legal? I never heard any of this when I was signing the papers. I am...
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99 comments
Talasia
#1781722

Sadly it is legal and in your paperwork clearly spelled out. What is unethical is they won't let you pay anything other than your current payment OR full early pay off balance.

I just paid my last payment, had to go in person to get my "ownership" paperwork because they "aren't allowed" to mail it.

Yup paid over double for the crap. I get paying interest "they don't call it that", but not allowing someone to make larger payments to help pay it down is a scam.

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Review
#1074852 Review #1074852 is a subjective opinion of poster.
Cons
  • Final cost
Reason of review
final price
Preferred solution
Price reduction
1.0
Details
This is the 4th day of me trying to resolve the dispute.Not only has my attorney called, the sergeant on the case has also called and spoke to the district manager several times. Each time he has advised them that they want the courts to handle it (me being arrested)....
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37 comments
HelpCenter_PissedConsumer
#1662603
On Behalf of Pissed Consumer Help Center
The official Acceptance Now website does not provide any details about late payments. Nevertheless, the AutoPay terms and conditions make a note of automatic payments that take place on the terms the customer has chosen (weekly, bi-weekly, semi-monthly or monthly).

So, it is safe to assume that Acceptance Now clients have time to pay until the date each renewal payment is due, especially considering that customers might be charged a returned item fee if there are no funds available at the time of the expected payment. Please check out more details regarding this issue in the article Top Acceptance Now Question.
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Review
#1036774 Review #1036774 is a subjective opinion of poster.
Service
Acceptance Now Furniture Leasing
Pros
  • Attitude i received when they were wanting to get me to sign
Cons
  • Unwillingness to settle the debt
Reason of review
unwillingness to work with me to resolve the issue
Preferred solution
Accept the furniture back and I pay the depreciation cost - drop charges filed against me for 2700.00
1.0
Details
Acceptance Now is “A PREDATORY LENDING COMPANY”
Acceptance Now is “A PREDATORY LENDING COMPANY”
Acceptance Now is “A PREDATORY LENDING COMPANY”
Acceptance Now is “A PREDATORY LENDING COMPANY”
Acceptance Now is “A PREDATORY LENDING COMPANY”
Acceptance Now is “A PREDATORY LENDING COMPANY”
Acceptance Now is “A PREDATORY LENDING COMPANY”
Update- finally got a payoff Amount but had to call the regional manager. Ashley furniture on route 59 in Naperville charged 149$ delivery, and so did Acceptance Now (double charged for delivery but masked by confusingly renaming it). If you read this before signing...
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3 comments
Anonymous
#1565870

I wish i wouldve read this before I went through them. I'm going to give them back their furniture.

I don't like stress and can GRT the same set with no hassle or predatory practices. They are up there with the payday loan companies.

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Featured
Review
#1131703 Review #1131703 is a subjective opinion of poster.
Service
Acceptance Now Furniture Leasing
Reason of review
Problems with payment

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
1.0
Details
On 12/13/2019 my merchandise was supposed to be delivered after a miscommunication of address, my merchandise was delivered to the wrong address. Due to the store putting the wrong address in the wrong place. I called to get my merchandise rescheduled and the Jeremy...
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Review
#1736308 Review #1736308 is a subjective opinion of poster.
Service
Acceptance Now Delivery Service
Pros
  • Attitude i received when they were wanting to get me to sign
Reason of review
Poor customer service
Loss
$900
Preferred solution
Deliver product or service ordered
1.0
Details
I bought a sofa in American Signature Funiture on 8/9/19 with a final payment of 120 Days without interest. After 120 days the interest needed to be added. Information was if you pay online the payment will be shown in the system. The total payment was $1,021.46 by...
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1 comment
Anonymous
#1803761

What r u hoping to gain by re-posting the same crap u posted 40 mins ago?

Review
#1758394 Review #1758394 is a subjective opinion of poster.
Pros
  • Easy to give loan and 120 days
Cons
  • Negative attitudeliars and thieves
  • No knowledge on numbers and contract
  • Liars and bad customer services
Reason of review
Poor customer service
Loss
$439
Preferred solution
My money that I paid extra back
Tags
  • Acceptance Now Liars

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Argument with account manager | Acceptance Now review from District 19, Tennessee

2.2
Details

Update by user Dec 10, 2019

Loss was 1,000$

Original review posted by user Dec 10, 2019

I have been threatened with a warrant for my arrest even though I'm willing to return merchandise. Was told I could start making payments again and start over, when i went to make payment was told i had to make payment a monthly every 2 weeks, that's more than I able to do, so I was told there was only one day it could be picked up and if I couldn't be there then I would be arrested for theft.
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Review
#1728533 Review #1728533 is a subjective opinion of poster.
Service
Acceptance Now Manager
Pros
  • Ashely sales people are friendly
Cons
  • Being lied too and threatend unauthorized payment drafts
Reason of review
Have been lied too , and threatened with imprisonment
Loss
$1
Preferred solution
Full refund
Tags
  • Acceptance Now Liars

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
1.3
Details
On dec 7th 2019 entered into a 90 day option ..I refused to sign a electronic pad without seeing the 17 month lease.I was only needing 350.00 more. The sales person didnt want me to walk she called someone..and g ave me a 90 day option page..4 payments of 184.00 to pay...
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3 comments
Anonymous
#1772435

YOU can't sue. YOU signed your name and now are on the hook for the money.

If YOU didn't like the terms, YOU and anyone foolish enough to co-sign for you should have left and done without the junk you purchased but no, you just had to have it right? Let this be a lesson to everyone else, if YOU don't bother to read and/or understand, like the terms, don't sign.

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Review
#1684490 Review #1684490 is a subjective opinion of poster.
Service
Acceptance Now Sales Representative
Pros
  • 90 buy out option request
Cons
  • Read what you sign get copy immeadiately
Reason of review
Fraud
Loss
$1116
Preferred solution
Let the company propose a solution
Tags
  • Fraudulent Signature Obtainment
1.0
Details
THEY DO NOT CARE ABOUT YOU AS THE CUSTOMER AT ALL WHAT SO EVER! They take FULL advantage of people who have less than perfect credit. They know they have you by the B**LS and they treat you like *** of the earth. Someone REALLY needs to look into how they charge...
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Review
#1652059 Review #1652059 is a subjective opinion of poster.
Cons
  • Out to rip you off
Reason of review
Warranty issue
Loss
$3498
Preferred solution
Let the company propose a solution
Tags
  • Rip Off Company

Contact Acceptance Now Customer Service

Website:
Mailing Address:
5501 Headquarters Dr.
Plano, Texas 75024
United States
Phone:
(888) 672-2411
All Acceptance Now Contacts

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Latest Question

Acceptance Now Questions
1.0
Details
Trust me...this company is up to no good - Acceptance Now review
Trust me...this company is up to no good - Acceptance Now review
There is nothing wrong with making money but this company is not straightforward with all their customers. If I pass the 90 days by almost a month, why should I be paying $1100 interest on $2300 purchase. I was not informed that they would be charging me up this...
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1 comment
Anonymous
#1733240

"why should I be paying $1100 interest on $2300 purchase" Because that's what you agreed to. Why would you sign up for something like 90 days SAC and not pay it before the 90 days are up?

Sounds like you didn't bother to read and/or understand what you signed up for. This is an easy win for you. Pull your contract...IF you didn't agree to this you're good.

IF not, thanks for the cautionary tale that warns people to understand what they're signing and be ready to execute a contract or be hit with major fat interest. Thanks for posting.

Review
#1617025 Review #1617025 is a subjective opinion of poster.
Service
Acceptance Now Leasing
Pros
  • I was as satisfied customer until the discrepancies
Cons
  • False representation
Reason of review
Not as described/ advertised
Loss
$1200
Preferred solution
Refund and adjustment to false credit reporting
Tags
  • Consumer Protection Warnings