RAC Acceptance Complaints and Reviews

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RAC Acceptance
Main address: 5501 Headquarters Dr. 75024 Plano TX
1-888-672-2411, ,
  • 130+18 mobile complaints
  • $170K claimed losses
  • $1.1K average
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  • 2 hours ago
  • Furniture and Decor
  • Paradise, Nevada
  • 6

They charged me 3 months for late fees and not making a payment when The furniture was not even delivered. Then tell me to return part of the furniture and pay on what I wanted to keep. Called and threatened me with a collections agency and told me they will be taking it out of my wages. When the entire time they took a loan out in mine and my sisters name for the previous balance. I didn't not... Read more

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  • Aug 29
  • Furniture and Decor
  • 3
  • 3
  • 240

This AcceptanceNow was offered as an option at The Furniture Mall of Kansas. When they explained that everyone was approved and it would help build or credit and we could pay it off as quickly as we wanted and with the total only being 700, and our payments being 150, we would have it paid off in a matter of months, so why not, right!? So we paid the initial 136 dollars to take them (that we... Read more

Was this review helpful? 4 0

  • Aug 26
  • Advertisements and Cons
  • Roswell, Georgia
  • Merchandise Charge
  • 1
  • 1
  • 111

I got this account in June of 2013. My total came to $2104.00. It is now August 2014 and I still have a balance of $1688.23. Which means in the last year out of $2600.00 that Ive paid bc my payments are $200 a month only $400 has actually gone toward the principal. That is Highway robbery!! I have never encountared such interest in my life!! I will be looking into this further bc this company... Read more

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  • Aug 22
  • Furniture and Decor
  • Washington, District Of Columbia
  • Rude Managers
  • 1
  • 1
  • 121

They call you even if you are 1 day late. Even if you advise them that you will be 7 days late the nasty managers call you. I can understand if you make the arrangment to make the late payment and you do not make when agreed. They call you the same day to find out if payment was made....try at 11:00 a.m. They even charge you the late fee although they tell you to call and advise them ahead of... Read more

Was this review helpful? 2 0

Horrible company! DO NOT USE FOR ANY REASON! They talked me into using them to buy a couch and that it would help my credit. They are still charging me a year later because you can only pay so much each month and not a penny more. I'm stuck paying $4500 for a $1500 couch. They are scam artist!! Add comment

  • Aug 16
  • Furniture and Decor
  • French Door Fridge
  • 1
  • 1
  • 139

Bought a new french door fridge from Conns, RAC acceptance was the only finance option. Charged me for a " damage waiver " when I declined it in writing! Charged me for an extended warranty after I told her to take it off the paper work. I understand you are in business to make money but really don't see how charging 5000 dollars for a 1500 dollar fridge is ok in any way. Never again. It is... Read more

Was this review helpful? 1 0

Horrible customer service from management. Would not recommend doing business with them in Independence, MO. Add comment

I signed up the rac acceptance for furniture that close 1300 dollars. I have been paying 147 every month-old a year and half and my account balance is 900$!!!! The interest is ridiculous and where is my money going!?!?!?! At this rate it will take 8 years to pay this off!!! What a rip off! Add comment

There is not enough government regulation for companies like this that prey on ordinary people. I ended up paying $2200 for $900 furniture. One month the payment due date was on a Sunday and by the next morning that lady called me 5 times for payment. All businesses want to make money but this is flat out ripoff. Would never deal with them again. Add comment

Every time they give me a hard time they harass me they threatened me if don't make the payment they are going to pick up my stuff one time they came to my house banging on the door when I had already made the payment it's terrible customer service don't get anything from them it's a living *** Add comment

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