RAC Acceptance COMPLETE RIP OFF!!! Hattiesburg Mississippi

   First off, I once was a customer, so you are proving that RAC Acceptance should practice customer service. Did it every occur to you that it was a problem created on your company's end? No, your first response is to insult my intelligiance by asking me if I read it. A represenative on your company's end went over the contract with me and YES I did decline the insurance offer. Second of all, if I had the furniture for a little over 6 months and I still owed that much money, what kind of interest are you charging? Good business is based on TRUST, and your company  can't be expected to be honest because I was completely misled by a represenative of your company.

Before you try and turn this around on me, maybe as a REPRESENATIVE of the company, you should try to represent it in a positive way. This is only another example of how RUDE people who work for this company are! Not all, but the majority. All you worry about is getting paid! You were trying to be sarcastic by stating that it's on my credit report even though I returned the furniture, but you lost business and referrals because of attitudes like the one you have. I honestly hope they read the resumes of the people they hire!!! Like I said BEFORE customers are the reason representatives get a check. Without CUSTOMERS you have NO business. Remember that the next time you try to make someone out to be the problem!

You stated you wanted certain due date and you did not want the insurance.  It then seems like you are saying they presented you with a contract which was completely opposite what you wanted.  If so, why did you sign the contract with the wrong due date and insurance?  Did you read the contract BEFORE you signed it?  Then you said they told you a "good amount" of the payment would go toward the principle.  OK, what about interest?  In a loan such as this, interest is paid UP FRONT then the payments apply more and more toward the principle!  This is STANDARD!  In reality, it makes NO DIFFERENCE how the money is applied because when the contract is paid off, lets say in five years or whatever the term is, then the principle AND interest are totally paid off!  It makes absolutely NO DIFFERENCE how it is applied...in the end it is ALL PAID OFF!  Then what do you do?  If you're so worried about your credit, now you have even more to worry about because you now have a REPO on your record!  Guess what?  You are STILL on the hook for the contracted amount, it doesn't just magically vanish because you gave up the furniture in a voluntary repo!