Rent-A-Center Violation of Privacy, Deceptive Practices, False Reports North Little Rock Arkansas

I am sure you know this by now, but businesses that advertise "no credit needed" or "no employment necessary" are in the business of scamming people. In many articles I have read, rent to own companies have been referred to as "legal loan sharking." I do agree, based on the information you provided, that you were harassed by this company.

My question is though, why didn't you just return the computer? You said you only made a payment or two on it when this issue arised. Returning it would not have left you out of a great deal of money. You said he didn't want to take your payment. Okay, so return the computer and take your business elsewhere or utilize the free library computers until you can save up for one. But if you didn't pay for it, and kept it, that is stealing.

My advice to you is stay away from rent to own companies. They have high mark ups, strict rental agreements and often used merchandise. It is sad how they prey on individuals with little money or no credit.

1- You RENTED a laptop from Rent a Center. Hence, the laptop BELONGED to Rent a Center and you were merely granted the privilege of using it based on the terms and conditions of the agreement between you and the store.

2- You went "out of town" without taking care of your obligation of paying your rental bill on time. Poor planning and lack of responsibility on your part.

3- You pretty much DEMANDED that Rent a Center accept your payment via credit card over the phone, which apparently was not allowed. Why not? There needn't be a reason, as Rent a Center reserves the right to deny any credit card or check for any reason. Besides, is there anything in your contract that specifically states that payments are to be made over the phone? Didn't think so.

4- You are then crying "rip off" because YOU failed to fulfill your end of the contract by failing to make your payments on time and in the method previously agreed upon? What about the store? THEY are the one that own the merchandise that you have essentially STOLEN by failing to make your payments. Could you kindly explain how exactly YOU were "ripped off"?

You have asked the public for input on how to fight RAC. You already know how to resolve the issue but you do not want to do that. You believe you have an entitlement to keep someone else's property without paying for it.

Albeit, I have never been inside of a RAC before, I have noticed a lot of ROR concerning the business over the last few weeks. I have taken a consumer interest in the reports.

Your post about RAC is somewhat different than other complaints made about this company. Most RAC reports, have to do with higher pricing or falling behind on payments that lead to repossession.

How, RAC takes advantage of people who cannot get credit elsewhere. RAC, then charges higher prices because of higher risks and defaults.

I have made several responses concerning rent-to-own businesses. In most every one of them, I have said that I have sympathy for the customer.

The bottom line is that a person shops at RAC by choice. They know what they are getting into, thus they are ultimately accountable and responsible for their own actions. .

I have no sympathy concerning your issue with RAC. Not for one moment, do I think that you are a lawyer, yet you attempt to post legal arguments defending your theft of RAC property.

According to your own report, you have never bought from a rent to own store before. I would think that buying a Dell laptop through RAC would ultimately cost twice the price (or more), had you bought from Dell directly.

You seem to be unable to remember if you made one or two payments, yet you claim total recall on all other contact with RAC. I will never be able to understand your reasoning and belief, that you have an entitlement to keep their product without paying for it.

You post a he-said/ you-said, thread about credit authorization form. You may have a copy like you say. Good for you.

Common sense dictates, that after your weekend outing, you would have come back to town and went to RAC or contacted their corporate office with proof that Jeremy refused to take a payment, even though he had the credit form.

You may have even been able to get out of the contract by turning in the laptop and getting a full refund of all monies that you had paid up to that point.

Upon presenting that proof to the corporate office, you should have demande for and received an apology. After that, payment should have been accepted, most likely, without a late fee penalty.

You could have set up the payments with an automatic withdraw from your charge account. That is not what you did.

Up to this point, your ROR has been pretty much the same as other ones written about RAC. This is where your post is unique. After making only 1 or 2 payments, you have made a legal opinion that you are entitled to keep the product without making anymore payments.

You feel that sending a certified letter, telling RAC, that they were not to make contact with you anymore, would mean that they would just drop everything and go away.

I suppose that you thought it was all over. That you would keep their property ( theirs until it is paid for).

Well, surprise, surprise. Here it is almost a full year later and you want to invite everyone to a pity-party. In the start of your ROR, you claim the issue is not accepting a payment. Now you are claiming to have filed a complaint with the FTC about RAC.

I have since filed a complaint with the FTC, and have hired an attorney to handle this matter. These companies say that they help people that are not able to get credit in a traditional manner. The truth is they prey on people in my situation.

You have changed your issue in mid-stream. I would think that in most every state, that theft by deception of a laptop would be considered felony theft because of its value.
At my place of employment, if an employee were to receive a felony conviction, they most likely would lose their job. You seem to even be willing to lose custody of your daughter??? No one would ever want that to happen. It doesn't seem like you thought this completely out before doing what you have done.

You can have all of the media coverage and an out pouring of sympathy that you can get. It will never justify that you kept a laptop that was not yours to keep. It will not do a thing for you in court.

You know what you need to do, to get this to stop. You created this mess and you need to clean it up. Did you really think that when you told RAC that you don't have to pay for the laptop and not to contact you anymore, that this would just go away?

You made the choice to do business with RAC. You want to put RAC on trial for a contract that you defaulted on.

You have asked the public for input on how to fight RAC. You already know how to resolve the issue but you do not want to do that. You believe you have an entitlement to keep someone else's property without paying for it.

Albeit, I have never been inside of a RAC before, I have noticed a lot of ROR concerning the business over the last few weeks. I have taken a consumer interest in the reports.

Your post about RAC is somewhat different than other complaints made about this company. Most RAC reports, have to do with higher pricing or falling behind on payments that lead to repossession.

How, RAC takes advantage of people who cannot get credit elsewhere. RAC, then charges higher prices because of higher risks and defaults.

I have made several responses concerning rent-to-own businesses. In most every one of them, I have said that I have sympathy for the customer.

The bottom line is that a person shops at RAC by choice. They know what they are getting into, thus they are ultimately accountable and responsible for their own actions. .

I have no sympathy concerning your issue with RAC. Not for one moment, do I think that you are a lawyer, yet you attempt to post legal arguments defending your theft of RAC property.

According to your own report, you have never bought from a rent to own store before. I would think that buying a Dell laptop through RAC would ultimately cost twice the price (or more), had you bought from Dell directly.

You seem to be unable to remember if you made one or two payments, yet you claim total recall on all other contact with RAC. I will never be able to understand your reasoning and belief, that you have an entitlement to keep their product without paying for it.

You post a he-said/ you-said, thread about credit authorization form. You may have a copy like you say. Good for you.

Common sense dictates, that after your weekend outing, you would have come back to town and went to RAC or contacted their corporate office with proof that Jeremy refused to take a payment, even though he had the credit form.

You may have even been able to get out of the contract by turning in the laptop and getting a full refund of all monies that you had paid up to that point.

Upon presenting that proof to the corporate office, you should have demande for and received an apology. After that, payment should have been accepted, most likely, without a late fee penalty.

You could have set up the payments with an automatic withdraw from your charge account. That is not what you did.

Up to this point, your ROR has been pretty much the same as other ones written about RAC. This is where your post is unique. After making only 1 or 2 payments, you have made a legal opinion that you are entitled to keep the product without making anymore payments.

You feel that sending a certified letter, telling RAC, that they were not to make contact with you anymore, would mean that they would just drop everything and go away.

I suppose that you thought it was all over. That you would keep their property ( theirs until it is paid for).

Well, surprise, surprise. Here it is almost a full year later and you want to invite everyone to a pity-party. In the start of your ROR, you claim the issue is not accepting a payment. Now you are claiming to have filed a complaint with the FTC about RAC.

I have since filed a complaint with the FTC, and have hired an attorney to handle this matter. These companies say that they help people that are not able to get credit in a traditional manner. The truth is they prey on people in my situation.

You have changed your issue in mid-stream. I would think that in most every state, that theft by deception of a laptop would be considered felony theft because of its value.
At my place of employment, if an employee were to receive a felony conviction, they most likely would lose their job. You seem to even be willing to lose custody of your daughter??? No one would ever want that to happen. It doesn't seem like you thought this completely out before doing what you have done.

You can have all of the media coverage and an out pouring of sympathy that you can get. It will never justify that you kept a laptop that was not yours to keep. It will not do a thing for you in court.

You know what you need to do, to get this to stop. You created this mess and you need to clean it up. Did you really think that when you told RAC that you don't have to pay for the laptop and not to contact you anymore, that this would just go away?

You made the choice to do business with RAC. You want to put RAC on trial for a contract that you defaulted on.