Report: #1081083

Complaint Review: RAC Acceptance

  • Submitted: Mon, September 02, 2013
  • Updated: Mon, September 02, 2013
  • Reported By: Brittany — Plano Texas
  • RAC Acceptance
    2600 N. Central Expwy Plano TX 75074
    Plano , Texas

RAC Acceptance Evette- store manager Evil People Plano Texas

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After 16 months of no employement my fiancé and I finally got jobs and were getting back on our feet. We sold all of our furniture in order to pay for food during the lack of employment along with everything else we owned. We decided for our first Christmas (2012) with our new jobs to get a very inexpensive living room set as a present for the both of us. We went to the store several times to pick out just the right set, making sure it was a reasonable monthly payment. We found it in Rooms To Go in Plano Texas. Because we had been out of work for so long and our credit was less than sufficent to buy through Rooms To Go, we turned to RAC acceptance.


The two guys that got our paperwork together and went over the contract were as polite and friendly as they come. They made it so easy and explained every page we were signing so we would not have to read it. I started crying right there in the store because I was so excited about our new beginning. During the signing of the papers we were told there is a deferred monthly payment program if you pay a small fee every month. The deferred payments cover job loss and sickness. Absolutely, I want to be covered from every angle just in case.


We paid from December through April for a total of $853.45. My fiancé lost his job in the first week of May due to a theft of a firearm from his place of employment. He followed a Police Officer's direct order to stay with the suspect until their arrival which was apparently against company "policy". My fiancé was out of employment and we were out about 2/3 of our income. It was a few days before our payment was due and I remember the deferred payments option. Everything was going to be okay. We went to RAC inside Rooms To Go in Plano Texas and told the two guys that signed us up, what had happened. They gave us forms to fill out, one for the previous employer and one for ourselves. Because the previous employer wrongfully terminated my fiancé and they knew that, they weren't going to be bothered with filling out forms so we could keep our furniture. We went back to the store to turn in our paperwork an explained the situation. They said it was no problem and to give them the corporate phone number. They would do a phone confirmation and everything was taken care of. Awesome.


A month goes by as does our first deferred payment and not a word from RAC. Whew... What a relief. Now we can focus on food and rent. I was so glad I decided to pay extra to cover payments for job loss. A month later I get a phone call saying the payment was missed and they need it now or to pick up the furniture. I explained to the RAC manager, Evette, that we signed up for deferred payments and my fiancé had just got a job. It was commissioned based he would no be receiving a paycheck until the work was completeled. Approximately 3-4 weeks. After Evette and I get off the phone I think everything is okay once again. Wrong. Everyday, several times a day I got phone calls. Threatening and harassing phone calls from Evette. She was so rude and disrespectful calling me by my first name a few times within a single sentence. I told her every phone call we were covered by deferred payments and kept her updated on the job situation. (My fiance's boss took every drop of commision my fiance was supposed to receive. He didn't receive a dime for the work he did. Back to square one.) A few weeks later during one of her phone calls she informs me she did our deferred paperwork and we did not qualify. I beg your pardon? Don't qualify? That could not be further from the truth. The phone calls continued daily , and if the call was missed RAC (Evette) would call back 5-6 times in a row leaving one voice message somewhere in the mix of dead silence followed by a slamming of the phone receiver.


Evette even called on 4th of July to continue with her threats and harassment. I told her, it is a holiday and I am spending time with my family. Thanks for calling but I will not be dealing with you today and I hung up. Every phone call there after for quite some time Evette's opening statement was "I keep trying to get a hold of you and you keep hanging up on me." Really? Because I'm not going to have the same conversation I have with you everyday on a holiday? It was literally word for word the same conversation everyday all the while Evette is getting more and more hostile and hateful. I would tell her I have deferred payments. She would argue. I told her if she did not want to honor my contract then she can come get the furniture after I get a full refund. She would argue. I told her my total bill was just shy of $1,500.00 and I've paid $853.45 she can do a partial return of the items that have not been paid for in full. She would agrue. Everyday! One day I told her, " you are a horrible person and you are not to contact me anymore what so ever. If there is an issue someone else can call me." Evette turns around and calls my fiancé and tells him I said no one can call me anymore. He was standing right next to me when I told her she can no longer call me so he knew she was lying.


During this time I am also calling the corporate offices, leaving messages for someone to contact me, never once receiving a phone call back. From that point forward I got phone calls from countless people daily at the store level, each one with a different story and more lies. Each phone call from my end was unwavering. It's a beautiful thing when you tell the truth, you don't have to keep up with which lie you told last time.


September 1st, I get a letter in my mailbox saying they are going to press criminal charges on me for theft of service. By this point my "nice" had worn off and I made it clear this was a false allegation and if charges are filed I will be filing charges as well. All Evette could do was repeat herself which never made any sense and hasn't from day one. At this point the furniture has lost all of the joyous feelings we originally associated with it. I am returning the furniture on Wednesday and they can keep my money. They obviously need it way more than we do. The moral of the story is the more lack of intergrity and honesty, the more crooked, worthless, and evil you are is directly related to how far you will move up in management with RAC acceptance. Word to the wise: DON'T EVER DO BUSINESS WITH RAC ACCEPTANCE!

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This report was posted on Ripoff Report on 09/02/2013 12:37 PM and is a permanent record located here: 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. READ: Foreign websites steal our content

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