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Report: #1100400

Complaint Review: RAC Acceptance - Charlotte North Carolina

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  • Reported By: Clanier23 — Charlotte North Carolina
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  • RAC Acceptance WT Harris Blvd Charlotte NC Charlotte, North Carolina USA

RAC Acceptance RAC RAC IS A RIPOFF....BETTER TO WAIT TO BUILD CREDIT OR PURCHASE OUTRIGHT Charlotte North Carolina

*General Comment: Ignorant

*UPDATE Employee: RAC Employee

*Author of original report: ARE you serious??

*Consumer Comment: Buyer's Remorse

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 Rooms to Go should be ashamed to allow the company RAC acceptance to hold space in their showrooms.  I have always enjoyed Rooms to Go furniture but have not always had the ability to pay cash or with credit.  I tried RAC back in 2012 with a sectional sofa to build credit for my husband. They only reported to one credit bureau which didnt help much because we were attempting to purchase a house. However we paid on it for some time and then when we received our tax return just went ahead and paid it off.  It bothered me at the time that so much was still owed on the furniture but at this time it had served its purpose.  We just moved into our new home and planned to pay cash for a dinnette set but spent a little more than we expected in moving expenses so we decided in hast to give RAC another chance because we really wanted to see our new home fully furnished.  He took 250.00 cash to purchase a 720.00 table. We planned to pay it in full the following month so we felt it couldnt hurt much to use RAC again for one months worth of payments.  Well the first problem came when after we paid the down payment we were told we could not pick up the furniture for 2 weeks.  We have as of today had the furniture in our home for 1 full week.  We called tonight to get a payoff because we decided to just go ahead and pay if off before our first payment hit which would be Dec 15h.  We were told at that time we would have to pay 758.00 to pay it off.  We didnt even begin with a 758.00 balance the table was only 740 and we paid 250 down. So basically we have given away 250.00 for a table we have only had for ONE WEEK!!!!!!........It should be illiegal for RAC to rip off hard working people like this.  I wish my husband and I would have just had the patience to wait until we had the money to pay off the table and we would have saved ourselves 250.00. Everyone works hard for their money and no one has money to just give away. Please I implore everyone to stay away from this company and try and save your money or build your credit to have other means of purchasing your furniture. RAC IS A RIPOFF!!!!!

This report was posted on Ripoff Report on 11/18/2013 04:50 PM and is a permanent record located here: https://www.ripoffreport.com/reports/rac-acceptance/charlotte-north-carolina-28269/rac-acceptance-rac-rac-is-a-ripoffbetter-to-wait-to-build-credit-or-purchase-outright-1100400. 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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REBUTTALS & REPLIES:
1Author
3Consumer
0Employee/Owner

#4 General Comment

Ignorant

AUTHOR: Flomasta - ()

POSTED: Wednesday, March 19, 2014

"You agreed, you agreed, you agreed" 

you are obviously an employee or a respresentative of the distasteful and shameful company that has so many complaints filed against it. You must be very proud of your hardwork and I'm sure very greedy since there has been no evidence of changing policies or tactics to help prevent or lower the amount of pissed off customers you acquire. But, hey, "they agreed" right? i wonder, oh yes, I wonder, but need not I wonder for your responses to your customers CLEARLY stated posts explaining their unfortunate experiences of being raped tells me that you know all the answers and so you could, if you had any decency what so ever, explain to me just how your blue collared thugs are trained and taught to purposely mislead their customers to obtain customers. For years you have been using dishonest approaches lock people in degrading situations for your profit. When is enough going to be enough? When will your pockets be fat enough? When you finally get shafted with a nationwide lawsuit? you won't receive the protection of legal loopholes and customers signatures forever. "You agreed " isn't going to keep you looking good or righteous for too much longer. You won't be able to sleep so comfortably AS you DO now  with no concern or sympathy for those you bring misfortune to. YOU WILL ONE DAY FIND YOURSELF IN THE SAME POSITION YOU put most of your victims, and that is facing the consequences of your actions by being burdened with financial instability. you won't, however, share the same pain or have to deal with unreasonable explanations as to why, for your endeavors will be clearly explained and you, unlike your customers, will be made sure you fully understand just what you have gotten yourself into. and when its your turn to wonder why this is happening to you, you will know, it's because you agreed, you agreed, you agreed you, you agreed, YOU AGREED TO DO THE CRIME, NOW HAPPILY DO THE TIME. Your a disgrace to our society. Both you and the businesses that allow you to set up your butcher shops within their establishments are, for the lack of a better word, straight up N*! don't go assume that's a racist word, it is not. Figure it out, ignorant lieing distasteful untrusting society destroying and honest people hurting gangster. 

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#3 UPDATE Employee

RAC Employee

AUTHOR: RAC Employee - ()

POSTED: Tuesday, November 19, 2013

Hi, I work with RAC and I’m sorry to hear that you’ve been having some trouble with your payments. I know that we’d like to speak with you about this directly as soon as possible so we can get this resolved, so would you mind giving our Customer Care line a call at 1-800-422-8186? Thank you.

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#2 Author of original report

ARE you serious??

AUTHOR: Clanier23 - ()

POSTED: Monday, November 18, 2013

 BUYERS REMORSE IS WHEN YOU PURCHASE AN ITEM AND THEN REGRET YOU PURCHASED THE ITEM. WE DID NOT REGRET OUR PURCHASE AND RATHER THE MEANS IN WHICH THE PURCHASE WAS MADE. HAD THE TERMS BEEN EXPLAINED UP FRONT WE WENT HAVE NEVER WORKED WITH RAC BUT THAT WOULD NOT HAVE STOPPED US FROM PURCHASING THE DINING ROOM SET THE FOLLOWING WEEK.  REGUARDLESS OF TERMS WE YOU ARE SAYING THAT PAYING 250 FOR AN ITEM IT TOOK TWO WEEKS TO RECEIVE AND THEY ARE STILL CHARGING FOR ITEMS YOU DO NOT HAVE??????? AND THEN THE WEEK AFTER YOU RECEIVE IT AND DECIDE TO PAY IT OFF YOU OWE MORE THAN THE ORIGINAL BALANCE AND THE 250 IS JUST PISSED IN THE WIND. BUYERS REMORSE MY a*s IT WAS A RIP OFF AND IM SURE MANY PEOPLE ARE PURCHASING ITEMS USING THIS METHOD NOT REALIZING OR EVEN BEING PROVIDED WITH ALL THE DOCUMENTATION THAT DETAILS HOW THIS COMPANY CAN TAKE ALL YOUR MONEY AND YOU STILL OWE THE FULL BALANCE ON THE ITEM. NO MATTER WHAT CREDIT YOU RECEIVE IF INTEREST IS CHARGED YOU STILL HAVE A PORTION OF YOUR PAYMENT GO TO PRINCIPLE. ITS NICE THAT YOU ARE RICH ENOUGH TO THROUGH AWAY MONEY BECAUSE ANY NORMAL HARDOWORKING PERSON WOULD SEE CLEAR FAULT IN THIS AND MY INTENTION ALTHOUGH IM GOING TO PAY FOR MY DINING SET AND TAKE THE LOSS IS TO BRING THIS TO THE ATTENTION OF OTHER BUYERS THAT MAY NOT TAKE THE TIME TO SIT DOWN AND READ THE FINE PRINT WHICH MOST PEOPLE WILL NOT DO WHEN THEY ARE INSIDE A REPUTABLE FURNITURE STORE

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#1 Consumer Comment

Buyer's Remorse

AUTHOR: coast - ()

POSTED: Monday, November 18, 2013

“It should be illiegal for RAC to rip off hard working people like this.”

You agreed to the terms; therefore, it’s not a rip-off.

“I wish my husband and I would have just had the patience to wait until we had the money to pay off the table…”

Commonly known as buyer’s remorse.

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