• Report: #607571

Complaint Review: RAC, Rent A Center

  • Submitted: Wed, May 26, 2010
  • Updated: Fri, March 18, 2011

  • Reported By: Lebanon Girl — lebanon Pennsylvania United States of America
RAC, Rent A Center
Bowman St Lebanon, Pennsylvania United States of America

RAC, Rent A Center Illegal Contract Practices/Harassment/Shady sales pricing Lebanon, Pennsylvania

*Consumer Comment: This is not your problem, contact the police

*Consumer Comment: Violation Of Privacy Act

*Consumer Comment: YOUR Not liable

*General Comment: I know that...

*Author of original report: This is Incorrect

*General Comment: Joint accounts...

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In November 2009, Rent a Center held a Black Friday Sale in which my then boyfriend attended(I did not). He went in for a special they were having on a TV and XBOX deal that he wanted. He SIGNED the paperwork and agreed to pay the original amount of 1039 for the TV and 389 for the XBOX. During the same time in their system I had a contract with them for a bedroom set which I was paying on time on.(Since has been paid) They having my name and info placed me as the leasee on the paperwork even though I didn't sign for the items because they weren't being purchased nor signed by me. I had my seperate account for which I was responsible for and took care of.

I was not aware my name was added to this contract until my ex was late on a payment 3 weeks ago and they started calling me tremendously. I explained that the items were not my responsibilty when they explained I was because I was listed as the leasee even though I never signed anything for this sales transaction. They stated that since we BOTH came in for the bedroom set and had an open account with them at the time they just added these two items to my name as well. I recall signing for the bedroom set but didnt not agree nor sign for the tv/xbox. They said well my name was on there so I'm responsible. I was upset and not willing to listen anymore after this. After our conversation they started calling MY MOTHER'S PHONE since she was listed as a reference for the transaction for the BEDROOM set not the tv. They have called her and given her the account details and as well as harass her by asking when she would be home and what time they can contact her again and if they can collect payment from HER.

She has called them to ask them to stop calling her yet they STILL DO. Furthermore, as stated earlier the original amount for the tv was 1039..they say my ex has paid 483 to this day and owes a remaining balance of 846..which if you do the math is over 289 from the original amount...the xbox's original amount was 389 and my ex has paid 402.61 and according to them still owes 360.00 on it...THE d**n THING IS PAID SO WHY THE EXTRA AMOUNT!!  I have asked for a summary of all charges on the account(since they are holding me liable) and they act as if they don't have a clue what I'm asking for and have given me the run around and can't explain the differences in the amounts. In addition, they are coming to my house 2-3 times in a day when they know my ex(who signed for the items) doesn't live there. The employees are rude, disrespectful and bullying to an extreme.

I am a single mother of a two year old and am currently 8 1/2 months pregnant and the stress of this all has been wearing me down. I filed a complaint with the FTC and plan on filing another with my state attorney's general office but feel as though what they are doing is illegal. Can they just add my name to a contract without my signature or  approval? Furthermore, can anything be done to stop their harassment? I'm trying to prepare giving birth soon and now fear going to my own home because from the break of dawn to night they are knocking on my door, yelling for payment on something that isnt mine. Please if there is any kind of help out there I would appreciate it. This has caused me much distress and has affected me physically as well mentally.


This report was posted on Ripoff Report on 05/26/2010 01:06 PM and is a permanent record located here: http://www.ripoffreport.com/r/RAC-Rent-A-Center/Lebanon-Pennsylvania-17042/RAC-Rent-A-Center-Illegal-Contract-PracticesHarassmentShady-sales-pricing-Lebanon-Pen-607571. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
1Author 5Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

This is not your problem, contact the police

AUTHOR: hillsy099 - (USA)

He's not on the contract for the bedroom set right? Then they can't place you both on a joint account. Call the police, file a report about the harrassment. Then call a lawyer. They can NOT put your name on an account without your permission, even if the two of you were married. They also can not disclose any information to anyone, not even your mother, so you have multiple grounds for a law suit. This is highly illegal. I notice this is the only complaint about rent a center (and there are MANY) that an employee hasn't commented on, it's because they know they are wrong and don't want to get in more trouble. Call the police, then a lawyer. If you can, call the police when they show up and stall them so the police show up while they are still there. If they had any kind of case they'd have shown you the paperwork as well as taken you to court or had you arressted already, rent a center is NOTORIOUS for this. They are lying and just trying to get the money from you. If you can, get a copy of the agreement from your ex or go in to the store and get a copy so you can prove you are not on his account.
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#2 Consumer Comment

Violation Of Privacy Act

AUTHOR: tkm72 - (United States of America)

RAC is in violation of the privacy act! Under the new privacy act law they can not discuss your account with ANYONE other than you! This is a lawsuit waiting to happen! Also you could get them for harrassment since they constantly call you and knock at your door.They are going to extremes when they call your references asking THEM to pay the bill!I do not understand how in the world are they holding you liable for his account with out YOUR signature! You did not sign anything and you did NOT agree to this contract!I would definitely seek an attorney in regards to these factors!You have a lawsuit my dear!

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#3 Consumer Comment

YOUR Not liable

AUTHOR: Scott - (U.S.A.)

Just tell them how to get in contact with your ex and they will go away. If you didnt sign anything you have nothing to worry about. You did not authorize anything. Call their customer complaint line and lodge a complaint immediately!!!!!!!!!!!!!!!
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#4 General Comment

I know that...

AUTHOR: Edgeman - (U.S.A.)

I read that you only signed for the bedroom set in your original report. It's good that your ex-boyfriend thinks that RAC shouldn't be going after you though you didn't mention that in the original report.

Be that as it may, he still needs to settle his contract with RAC. Unfortunately this was added to your joint account and if they hold you liable then you need to recover the damages from your ex.
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#5 Author of original report

This is Incorrect

AUTHOR: Lebanon Girl - (United States of America)

This is incorrect. I entered into a contract of my own for a bedroom set when I did this he came with but I signed the papers and agreed to be leasee on that contract. This contract for the TV and XBOX was a whole other transaction and contract opened and signed by him. However, they just assumed since he came in to make a few of my payments on behalf of me for the bedroom set that I would be agreeing to this contract. I NEVER signed for this and even my ex feels its wrong they added my name to the contract because it had nothing to do with me. We are not married and he has possesion of the items not me yet they continue to go after me for payment because they just felt like adding my name to the contract despite the fact I didn't sign for it.

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#6 General Comment

Joint accounts...

AUTHOR: Edgeman - (U.S.A.)

Okay, you both opened a joint account at RAC and your boyfriend made an agreement for the Xbox and TV on that account. It's the same principle as one person withdrawing money from a joint checking account.

It seems to me that you should be going after your ex-boyfriend but I'm no expert in Pennsylvania law. Your best bet would be to talk to an attorney in your area.
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