AcceptanceNowReviews 227

ACCEPTANCE NOW, they are charging you and take a payment out your account and not giving you credit for it. I went on my account last night adding up my account trying to see how much more I owe them and come to find out they took money out my account but didn't put it in my payment History so when I add up all the months that I paid it's saying I only owe $182 I really could pay them out but they didn't even give me the credit and my payment history so how can you take the money out someone account and then not showing it on a payment history so please check your payment history and make sure that you getting credit for each month that you paid, because they are still your money and you're not taking time to check on your payment history something just told me to get up and start checking on my payment history before I pay them this month, so I'm trying to wait for morning to start with them, I am so angry that I can't even sleep now, because somebody are going to eventually get a lawyer. And start a class act lawsuit, I hope I can find a lawyer that will take it because this doesn't make sense for you to be working hard trying to pay on furniture which if you had that kind of money to go in the door and just pay for it you wouldn't go through acceptance now, you would just pay cash and they're just ripping people off that's all I want to say

I payed everything before 120 days but they charged $550 more and I paid in order that the close the account and removed me from the credit bureau. Instead, they continue charging and they have that I own $800 in the credit bureau.

They laughed at me when I sent proof of payment and the information they told me is that I can't take the to a lawyer because they make everybody sign that they can go to court or lawyer. They are an scam, liars, bullies and thief.

Don't go to them because your credit can become at risk.

I would strongly urge people do not do this unless you are able to have the funds to do the 90 or 120 day option to pay. I was 10 days past my 90 days and they added so much interest (they call it fees) for me to pay off.

Total financed including their up front fee: $407.97 on April 12
Total if all 26 biweekly payments are made: $987.99
My bi weekly payment for merchandise: $34.78 merch + $14.84 their fees = $49.62
Payment to be made at the end of 90 day option: $259.35 on July 12

**********The amount I paid to close account on July 22: $378.68**********

I had an incident and mispalced my paperwork so I thought my final payment was due on July 22. Well as you can see, that was not the right day. So, I spoke to a rude and snappy girl when I called the Knox Wholesale furniture center on Kingston Pike a little after 3pm that day who advised since I was 10 days over, I had to pay $378.68 to close acct. I questioned the amount of interest and she rudely advised me I received all of this in my agreement so to close account this was the amount to pay. I went ahead and paid since this was the amount she said I had to pay. She offered no other solution and did not suggest me to speak to a higher up to discuss.

I urge people if this is the only way you have to get furniture, I would try to figure out another way. If you have no other option but to do this, I would suggest the 90 or 120 day pay off option and remember or set reminders to pay off on that day exactly. I only went over 10 days and they added $119.33 in interest (they call it fees) to my bill.

I paid 6 payments at $49.62 which equals $285.72 + $378.68 payoff (since i was only 10 days over) which equals me paying a total of $ 664.40. If i would have paid on July 12, it would have been $ 545.07.

Please make sure if you have no choice but to buy furniture this way, know that you will be paying double the cost at the end of all the payments if you use Acceptance Now. I will never do this again so I take this as a lesson learned. First and last time i ever finance furniture.

This company reported on Equifax that I had an open revolving account which is not true. I didn't proceed with renting from American Signature furniture. Canceled agreement the next day and was reimbursed my funds except application fee. I didn't receive any furniture because I canceled within 24 hours with no penalties. Reported as an 3500 open account/paids as agreed. It was never an account open and nothing shouldn't have been reported! Have file and dispute with Equifax to delete and will report to Federally if not resolved.

I have called the local store in order to get proof that I paid my account off. I am currently buying a home and the account showed opened on my credit report and my lender advised that the account is affecting my debt to income ratio. Once the credit has been pulled they can not pull it again. It is the law. The lender simply needed proof the account was paid in full. So I called and they said they could not provide me that information only my last receipt and the sent the paid information to the credit bureaus. I can into pick up what they had and didn't have it. I explained I just need something that shows it's paid. They refused and said their manager would call that day. No call. Went the next day and again said they relayed the importance and he would call that day. No call. Here is it Sunday and nothing. I am supposed to close on Wednesday. It's disgusting that I paid all that money and they were irresponsible and never sent the info to the credit bureaus and this is likely costing me my mortgage and if doesn't it costing ******* more down payment. I don't understand why I can't get a statement to show the paid off status. I work for the attorney general in Florida and it's sad that I have to file a complaint in order to get something I should be entitled to. Thanks to the manager never calling. I will never ever purchase anything from this company and I plan to repost this to every single internet forum as well. Hopefully others will think twice before using this company.

Do not ever deal with this company. I was told that during this pandemic that I wouldn't have to make a payment since my wife was out of work. I noticed they put it on my credit report I was 30 days past due. After calling the corporate office I was told my situation was being escalated and I would get a call back. I never received a call back. When I called them again I was told they did not have any information and I was now 80 days past due. This company will ruin your credit and flat out lie to you. I am going to sue them.

I've been dealing with AcceptanceNow for a few years. I have yet to have a bad experience. I normally go to the Value City Furniture in Chesapeake, Va located on Portsmouth Blvd. Recently, I visited the Chesapeake location in Greenbrier and I must say I love the staff better there. Jarvis Riley has an awesome attitude and did everything within his power to make my purchase right with a little bit a fun. I enjoyed him so much I went back 3 days later and purchased another item. He remembered me and we just talked like we've know each other for a long time. Anita was my salesperson and again awesome down to earth straight up with you attitude. I will seek her again, Quante, I believe was in training. She had a eager go getter attitude. I suggest you try Value City Furniture Greenbrier AcceptanceNow. Ask for Jarvis! I also pay my stuff off before the interest hit. That's the key otherwise it's a rip off for sure.

Acceptance now needs to be burned to the ground! So I've been trying to return furniture to acceptance now through bobs furniture since the beginning of April. I was told by a acceptance now call center rep to change my card so that it can't be charged while I waited for a district manager to call me and put me on the official return list. They have still been charging my old card even though the dm herself said they won't charge me anymore after she put me on this so called list.

Fast forward to a week ago when stores started to open again and I was called and told that if I don't pay a $894 settlement (total balance is $2300) within the next 2 months then my furniture would be considered stolen on my credit and I'd have to pay the full amount because the return list is long and they don't know when they can come get it. I only have until August because I am moving and can't take this furniture with me.
How is that possibly fair or legal!?
Also beware of the hidden fees after the 90day early pay off!