RENT A CENTER Scam, Harassment, Highly Overpriced Merchandise Cleveland Ohio

Your posts trying to prove everyone else wrong has in turn shown that indeed I hit the nail on the head when I stated you had both a negative credit history and made late payments.

But you gave us more.  In your "attempt" to show how "smart" you are you made several false statements which only go to show that you are no different than any other "deadbeat" trying to play the victim card.

It's clear that your position in this debate stems from a cynical, subjective mindset, and it's probably best that you refrain from arguing issues that you know little or nothing about.

Based on your comments I would suggest you follow your own advice. As with your statement...

And the Fair Debt Collection Practices Act prohibits creditors from contacting people at work if they are informed orally or in writing not to do so. It's a federal mandate...

What you failed to realize is that the FDCPA ONLY applies to 3rd Party collection agencies aka "Debt Collectors".  Rent a Center is considered the ORIGINAL creditor and therefore the FDCPA does not apply.  You can scream it from the rooftop 24 hours a day for a month that it does but it doesn't make it so.  If you don't believe me just go talk to any debt attorney or a reputable non-profit credit counseling organization and ask them.

You also seem to think that an employee admitting that they make reminder calls is some huge conspiracy where you just discovered aliens are real.  This is a company that deals with people who have a history of bad credit, who have a history of not paying their bills.  So yes, they are going to be a little more proactive in making sure that these people pay their bills.  If you don't want to be lumped in with these people, then the answer is simple.  PAY YOUR BILL and make sure it is paid before the due date, not 3 days after to just make it in before they assess a late fee.

By the way you totally glossed over that I am actually in agreement with you on one statement.  It is always best to save up and pay cash when ever possible.

I'm not embarrassed that you're an idiot. Clearly, that's something you have to live with. Not my problem. RAC's problem, however, is that this RipOff Report is permanent. 

There is nothing unlawful about marking up the price of merchandise by any amount. This is America. We have a free enterprise economy so deal with it. Your dissatisfaction with the price is a case of buyer’s remorse.

To avoid the reminder calls simply pay online or mail them a check to arrive prior to the due date. Just because they don’t invoke the late payment penalty until after three days does not change the fact that payments made after the due date are considered late. Your attitude is why your credit is clearly in the toilet. If you had good credit then you would purchase new products with a low-interest credit card. Don’t deny it-you’ll just embarrass yourself even more.

You were absolutely right to state that your rebuttal to my complaint would be going out on a limb. In fact, you repeatedly admitted that your conclusions were based on assumptions. It's clear that your position in this debate stems from a cynical, subjective mindset, and it's probably best that you refrain from arguing issues that you know little or nothing about. 

To clarify, I've dealt with Rent A Center only three (3) times in my life, and I'm over 50 years old. And I've had outstanding credit for a lot longer than I've experienced less than average credit. But having or not having good credit is not even the point. This is about a company that preys on consumers, like a vicious, desperate predator. Marking up merchandise 300%-500% is not good business, it's pathetic. It's criminal... But they get away with it because enough people don't form a collective consciousness to lobby against them and make a difference. 

If you refer to the 2nd rebuttal to my complaint, a RAC employee admits that RAC makes reminder calls to customers "...beginning on the day your payment is due." But what he neglected to mention, and so did I in my complaint, is that a payment is not considered late until 3 days after it's due. A late charge is assessed on the 4th day. Yet RAC will call first thing in the morning on the due date and remind you the payment is due that day, then 4 hours later you'll get a second call from a different employee asking you exactly, "What time will you be in today?" Then sometimes there's a third call later that same day. Then you'll get calls all day for the next 2 days. That's plain and simple harassment. And the Fair Debt Collection Practices Act prohibits creditors from contacting people at work if they are informed orally or in writing not to do so. It's a federal mandate...

My advice was tailrored to any consumer who has even the slightest inclination that RAC is worth dealing with. Predator pricing and price gouging is all they'll get. It's the sole purpose of RAC - to kick people who are already down and/or struggling to survive, and to take full advantage of any unwary consumer. So, Robert, take your wonderful credit and your minimum monthly payments with low interest rates and keep living the pseudo-American dream. Bury yourself in debt - while sensible people would rather live within their means and buy things only with cash. Bottom line, NO ONE needs RAC. It's a joke. Period...

Going out on a limb here, I am going to figure your credit isn't the best or you wouldn't be continually going to places like this. As such you probably would be an "expert" on companies who constantly contact you for payment and being charged high interest rates and fees. Right?

Now, does this(or any) company have anything better to do than to constantly "harass" customers who are paying on time? My guess would be no. So how many of these "remainder" calls and requests to pay over the phone were made to you as a result of you being late?

As for the 90 Days same as cash, what is so hard to grasp about that? They didn't say "90 days same as cash....or when ever you feel like paying it". 90 days means 90 days, if you pushed it to the point of missing it by a day then that is your fault.

As for you never going back to them. Based on your admitted history I somehow doubt that you will stay away. But if you do you will end up at another rent to own place and most likely based on what you are expecting will probably have the same exact complaints.

The only piece of advice you gave is that you should just save up the money and then pay for it in cash, but that would go for any company not just because of this one.

Hello, I work for Rent-A-Center. We certainly never want to hear feedback like this from our customers. We know that renting isn't for everyone, but for many of our customers it's a great way to get the things they need without using credit. Plus, they can make payments for items in a way that's a lot more maneageable for them. We know life gets busy, which is why we place reminder calls beginning on the day your payment is due. However, it is against our policy to make reminder calls prior to a customer's payment due date or harass customers or others by calling repeatedly when the customer isn't able to talk. We'd like to hear more about your concerns and see if there's something we can do to help. Would you please give our customer service team a call at 1-800-422-8186 so that we can get more information from you? Thank you.