• Report: #205190

Complaint Review: Rent A Center

Thank You

Read how Ripoff Report saves consumers millions.

  • Submitted: Wed, August 09, 2006
  • Updated: Sun, July 29, 2007

  • Reported By:Greenville South Carolina
Rent A Center
Anderson Rd. Greenville, South Carolina U.S.A.

Rent A Center Told Benifits Plus would cover layoff, been harrased and told would face criminal charges. Greenville South Carolina

*UPDATE Employee: Check your members book

*UPDATE Employee: Don't take advise from an EX-employee...

*UPDATE EX-employee responds: dont worry about it

*UPDATE Employee: Some things to keep in mind

*UPDATE Employee: Actually Jail time could come about.

*Consumer Comment: RAC

*Consumer Comment: RAC

*Consumer Comment: RAC

*Consumer Comment: RAC

*Consumer Comment: What should you do? Don't buy from RAC, Rent-to-Own,...

What's this?
What's this?
What's this?
Is this
Ripoff Report
About you?
Ripoff Report
A business' first
line of defense
on the Internet.
If your business is
willing to make a
commitment to
customer satisfaction
Click here now..

Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™

SEO Reputation Management at its best!

I have been a customer of RAC for the last five years. I have paid off numerous accounts with them. I have been a good customer. We got a big screen tv, coffee tables, a psp, a souround sound system, a smaller tv, and a computer this time. We paid off the coffee tables and the tv. We returned the computer because it never wanted to work right. We now just have the Big Screen and psp. We have been paying on these items about a year and five months. We have paid over $5000.00 on these two accounts, with the tv taking over $3500.00. We also have been paying for Benifits Plus to cover loss of job, payout replacement protection, medical, pharmacy, plus numerous other things. My husband was laid off from his job July 6, 2006. We had continued to make payments up until last week. Which is when we gave the store manager all the paperwork she needed to file our claim to cover our payments. Since then RAC has called us 2-3 times a day leaving threating messages and have even sent us a letter threating legal action. What are we suppose to do?

Julie
Greenville, South Carolina
U.S.A.

This report was posted on Ripoff Report on 08/09/2006 12:51 AM and is a permanent record located here: http://www.ripoffreport.com/r/Rent-A-Center/Greenville-South-Carolina/Rent-A-Center-Told-Benifits-Plus-would-cover-layoff-been-harrased-and-told-would-face-cr-205190. 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.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

Click Here to read other Ripoff Reports on Rent A Center

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Search Tips
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?
REBUTTALS & REPLIES:
0Author 10Consumer 0Employee/Owner
Updates & Rebuttals

#1 UPDATE Employee

Check your members book

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

Involuntary Unemployment Payment Waiver This payment waiver benefit may help members with their rental payments in the event that they are laid off, fired or lose their job due to a company strike of labor dispute. If you become unemployed and qualify for a payment waiver, your rental payment(s) will be waived in the amount of, or up to; the limits listed below. The maximum payment waiver amount is the member's monthly rental payment(s) up to a maximum of $1,000 waiver of payments on all rental agreements combined or for four (4) consecutive months, whichever occurs first, per unemployment occurrence. Your account can become re-eligible 4 months after all previous waivers have been applied for a period of unemployment. The unemployment payment waiver plan applies to the first two (2) persons named on the rental agreement.
Respond to this report!
What's this?

#2 UPDATE Employee

Don't take advise from an EX-employee...

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

Jimmy's advise is off the wall to a point. There are two different ways that RAC goes to the legal system. If you've had the account for quite a while and had been paying on it, they won't charge you criminally, but they can file Civil/Small Claims. Criminal is charged on new accounts or if it's proof that items have been pawned to sold off by the customer.

I go back to my advice from sometime back. You need to call the 800# that is in your Benefits Plus book, and you need to make sure the communication has hit both the Account Manager (now called Customer Account Reps) and the Store Manager.

If for some rare reason that you are not qualified, then you can always turn the items in and come back after the when you get back on your feet. RAC has lifetime reinstatement that will apply what you paid back into the same or simular item around the same retail value when you come back and get them.
Respond to this report!
What's this?

#3 UPDATE EX-employee responds

dont worry about it

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

Julie,

if you have payed as much as you say you have, you have nothing to worry about. RAC cannot file charges on you. All legal actions have to be approved through the corparate office and if you have showed a history of making payments, they will not touch you. Their is not a judge anywhere that will send you to jail if you have even come close to paying the FMV (fair market value). All RAC can do is threaten you, and they will. FMV is less than have of what you pay for there merchandise throughout your term. Dont get me wrong, if you owe them money, you should pay it. but they are limited in what they can do legaly. When i worked at RAC I used the same tatic to get customers to pay. it sometimes worked, but other times the customer was to educated.

Jimmy
Respond to this report!
What's this?

#4 UPDATE Employee

Some things to keep in mind

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

I work for Rent-A-Center in the state of South Carolina. I have been working with them for 2 1/2 years now. I've worked my way up from Account Manager to Assistant Manager (and hopefully going higher). Hopefully what I say might help a little.

Some things you need to keep in mind:
1.) You are filing the report and use the word "we" a good bit. I'm assuming in reference to you and your husband. Are you on the agreement together? Or is it just you? Or is it just him? As per the Benefits Plus it reads: "Involuntary Unemployment Payment Waiver This payment waiver benefit may help members with their rental payments in the event that they are laid off, fired or lose their job due to a company strike of labor dispute. If you become unemployed and qualify for a payment waiver, your rental payment(s) will be waived in the amount of, or up to; the limits listed below. The maximum payment waiver amount is the member's monthly rental payment(s) up to a maximum of $1,000 waiver of payments on all rental agreements combined or for four (4) consecutive months, whichever occurs first, per unemployment occurrence. Your account can become re-eligible 4 months after all previous waivers have been applied for a period of unemployment. The unemployment payment waiver plan applies to the first two (2) persons named on the rental agreement." If he is not named on the agreement then it doesn't count. This might not have been mentioned to you but is in the Benefits Plus paperwork. If his name is on the agreement, just strike that whole paragraph out.

2.) Communication between Store Manager and Account Manager are not all that great. If the paperwork and everything has been filed, then the Account Managers need to know. They are the Alpha and the Omega when it comes to your account. Hence being named "Account Managers". They need to be in the loop. Stop talking to the Store Manager and start talking to your Account Manager. Having been an Account Manager there is nothing I hate more then when a customer will not talk to me and will speak with the Store Manager only. They have no say over your account and your Account Manager can approve or veto their decision. So in short, make sure your Account Manager knows what's going on by talking to them DIRECTLY.

3.) If all and all you are just generally complaining and filing a report cause you don't want to pay (and I'm in no which-way-shape-or-form stating that this is the case) they can file legal action. Rent-To-Own companies have more power then you would think. Lease-To-Own have even more (for you Aarons customers out there). South Carolina State Law SECTION 16-13-420 Failure to return rented objects; fraudulent appropriation of such states:

(A) A person having any motor vehicle, trailer, appliance, equipment, tool, clothing, or formal wear in his possession or under his control by virtue of a lease or rental agreement is guilty of larceny if he:

(1) wilfully and fraudulently fails to return the motor vehicle, trailer, appliance, equipment, tool, clothing, or formal wear within seventy-two hours after the lease or rental agreement has expired;

(2) fraudulently secretes or appropriates the property to any use or purpose not within the due and lawful execution of his lease or rental agreement.

The provisions of this section do not apply to lease-purchase agreements or conditional sales type contracts.

(B) A person who violates the provisions of this section is guilty of a:

(1) felony and, upon conviction, must be fined in the discretion of the court or imprisoned not more than ten years, or both, if the value of the rented or leased item is five thousand dollars or more;

(2) felony and, upon conviction, must be fined in the discretion of the court or imprisoned not more than five years, or both, if the value of the rented or leased item is more than one thousand dollars but less than five thousand dollars;

(3) misdemeanor triable in magistrate's court if the value of the rented or leased item is one thousand dollars or less. Upon conviction, the person must be fined or imprisoned not more than is permitted by law without presentment or indictment by the grand jury.

All I can say at this point is talk to your Account Manager. They should be the only one handling your account. And it's always best to actually come into the store and talk to them in person. Call first and make sure that they are going to be there and setup a time to meet as they are busy people. Looking at the date you filed on: 8/9/2006, hopefully you have already had this handled. I have no idea if it is or not. I do not work at the Greenville stores. My hope is that it was handled correctly and to the satisfaction of both the customer and the company. You also have a number you can call: 1-800-422-8186. This number should be posted in all stores in an area readily veiwable by everyone that enters the store per store policy. It's a great number to call to express your opinion in either a positive or negative way, but please be professional about it. I don't know of a single employee that likes to be swore at. (Personally I state to the customer this in that situation: Mr/Mrs Customer, I am not using such words with you and I ask that you don't with me. If you are unable to continue this conversation in a professional manner than please by all means call me back later when you have calmed down. If you cannot comply with this simple request I will end this conversation now.)

I appologize for the length of this comment but I hope it helps a little.

Dan
Campobello, SC
Respond to this report!
What's this?

#5 UPDATE Employee

Actually Jail time could come about.

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

That does vary from state to state though, but RAC could file for warrents if items are being refused to be paid from the customer.

Going back to the benefits plus program.... Have you been signed up as a benefits plus member for at least 6 months? (I beleive that is the time stated in your benefits plus book in order to be qualified for that particular coverage). Also, did you call the toll free number from your benefits plus book. If you don't have this book, your store needs to give you one!

Speak with the Store Manager again. If they are in the process of approving this, then the store manager needs to make the account managers aware of this.

If you are not approved for this coverage (example: you only have the membership for a couple of months), then the question comes down to, can you get your payments caught back up, or do you need to return the item until you can get back on your feet again. RAC does offer a lifetime reinstatement, so during times like this that you can not afford the item, return it back to your store, & when you get back on your feet again, you can start where you left off on the same item, or a simular item with the same retail value.

I suggest that you do NOT just ignore the situation while not paying on your account. All that does is make you look like you are just trying to skip out from paying for what you owe.
Respond to this report!
What's this?

#6 Consumer Comment

RAC

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

Tell RAC to stick it and take you to court. You don't go to jail for being in debt. You cannot be threatened with jail, that's rediculous. Next time they threaten you with jail ask them which law they are quoting. They won't be able to and you will know that they are the lying pieces of $hit that they always have been. Unless you intend to fraud them you have no worries. That's the key word; INTENT. If there is no intent then they can just take those threatening letters, wad them up and stuff them up their a$$es where they belong. But you might want to save them and give them to a good consumer rights attorney. He or she will have fun with RAC over those. Cheers!!
Respond to this report!
What's this?

#7 Consumer Comment

RAC

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

Tell RAC to stick it and take you to court. You don't go to jail for being in debt. You cannot be threatened with jail, that's rediculous. Next time they threaten you with jail ask them which law they are quoting. They won't be able to and you will know that they are the lying pieces of $hit that they always have been. Unless you intend to fraud them you have no worries. That's the key word; INTENT. If there is no intent then they can just take those threatening letters, wad them up and stuff them up their a$$es where they belong. But you might want to save them and give them to a good consumer rights attorney. He or she will have fun with RAC over those. Cheers!!
Respond to this report!
What's this?

#8 Consumer Comment

RAC

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

Tell RAC to stick it and take you to court. You don't go to jail for being in debt. You cannot be threatened with jail, that's rediculous. Next time they threaten you with jail ask them which law they are quoting. They won't be able to and you will know that they are the lying pieces of $hit that they always have been. Unless you intend to fraud them you have no worries. That's the key word; INTENT. If there is no intent then they can just take those threatening letters, wad them up and stuff them up their a$$es where they belong. But you might want to save them and give them to a good consumer rights attorney. He or she will have fun with RAC over those. Cheers!!
Respond to this report!
What's this?

#9 Consumer Comment

RAC

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

Tell RAC to stick it and take you to court. You don't go to jail for being in debt. You cannot be threatened with jail, that's rediculous. Next time they threaten you with jail ask them which law they are quoting. They won't be able to and you will know that they are the lying pieces of $hit that they always have been. Unless you intend to fraud them you have no worries. That's the key word; INTENT. If there is no intent then they can just take those threatening letters, wad them up and stuff them up their a$$es where they belong. But you might want to save them and give them to a good consumer rights attorney. He or she will have fun with RAC over those. Cheers!!
Respond to this report!
What's this?

#10 Consumer Comment

What should you do? Don't buy from RAC, Rent-to-Own,...

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

Really now, it's that simple: Don't buy from RAC, Rent-to-Own,...

You are paying WAY TOO MUCH. If you did without for a year you could buy an HD LCD for $2000 or less.

Maybe just give the stuff back and simply do without for a year so you could buy new for cash. It's a thought.
Respond to this report!
What's this?
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?

Advertisers above have met our
strict standards for business conduct.