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It describes “Retail-Purchase Agreements” or “leases” as misleadingly presented, with confusing terms, inadequate retailer training, and conduct characterized as loans violating New York’s Personal Property Law Article 11.",{"@graph":14,"@context":73},[15,34,56],{"@type":16,"itemListElement":17},"BreadcrumbList",[18,23,27,31],{"item":19,"name":20,"@type":21,"position":22},"https://docshare.wps.com","Home","ListItem",1,{"item":24,"name":25,"@type":21,"position":26},"https://docshare.wps.com/template/","Template",2,{"item":28,"name":29,"@type":21,"position":30},"https://docshare.wps.com/template/letters/","Letters",3,{"item":32,"name":10,"@type":21,"position":33},"https://docshare.wps.com/template/summons-complaint-acima-digital-llc-and-acima-holdings-llc/305957/",4,{"url":32,"name":10,"@type":35,"image":36,"author":41,"headline":10,"publisher":44,"fileFormat":47,"inLanguage":8,"description":12,"dateModified":48,"datePublished":49,"encodingFormat":47,"isAccessibleForFree":50,"interactionStatistic":51},"DigitalDocument",{"url":37,"@type":38,"width":39,"height":40},"https://docshare.wps.com/thumbnails/summons-complaint-acima-digital-llc-and-acima-holdings-llc/305957.png","ImageObject",442,249,{"name":42,"@type":43},"Kyle","Person",{"url":19,"name":45,"@type":46},"DocShare","Organization","application/pdf","2026-10-19","2026-09-19",true,{"@type":52,"interactionType":53,"userInteractionCount":55},"InteractionCounter",{"@type":54},"ViewAction",8,{"@type":57,"mainEntity":58},"FAQPage",[59,65,69],{"name":60,"@type":61,"acceptedAnswer":62},"Who are the plaintiffs and defendants in this action?","Question",{"text":63,"@type":64},"The plaintiff is the People of the State of New York, by Letitia James, Attorney General. The defendants are ACIMA Digital, LLC and ACIMA Holdings, LLC.","Answer",{"name":66,"@type":61,"acceptedAnswer":67},"What financing structure does the complaint describe?",{"text":68,"@type":64},"The complaint alleges that Acima partners with retailers and offers consumers “Retail-Purchase Agreements” or “leases,” where the merchandise is presented as “bought” by Acima and then “leased” with periodic payments before the consumer “owns” the item after about 12 months.",{"name":70,"@type":61,"acceptedAnswer":71},"What legal violations are alleged regarding the transaction type?",{"text":72,"@type":64},"The complaint alleges the agreements violate Personal Property Law (PPL) Article 11, contending the arrangements are not true rent-to-own transactions and instead function as loans under New York law.","https://schema.org",{"og:url":32,"og:type":75,"og:title":10,"og:site_name":45,"og:description":12},"article",{"robots":77,"canonical":32},"index,follow",{"doc_id":79,"site_id":7},305957,1790243448,{"code":4,"msg":82,"data":83},"success",[84,89,94,99,104,109,114,118,123],{"id":85,"doc_module":22,"doc_module_name":25,"category_name":86,"show_sort_weight":87,"slug":88},11,"Presentations",90,"presentations",{"id":90,"doc_module":22,"doc_module_name":25,"category_name":91,"show_sort_weight":92,"slug":93},12,"Resumes",80,"resumes",{"id":95,"doc_module":22,"doc_module_name":25,"category_name":96,"show_sort_weight":97,"slug":98},14,"Invoices",70,"invoices",{"id":100,"doc_module":22,"doc_module_name":25,"category_name":101,"show_sort_weight":102,"slug":103},15,"Posters",60,"posters",{"id":105,"doc_module":22,"doc_module_name":25,"category_name":106,"show_sort_weight":107,"slug":108},16,"Social Media",50,"social-media",{"id":110,"doc_module":22,"doc_module_name":25,"category_name":111,"show_sort_weight":112,"slug":113},17,"Forms",40,"forms",{"id":115,"doc_module":22,"doc_module_name":25,"category_name":29,"show_sort_weight":116,"slug":117},18,30,"letters",{"id":119,"doc_module":22,"doc_module_name":25,"category_name":120,"show_sort_weight":121,"slug":122},21,"Paper Templates",5,"papers-templates",{"id":124,"doc_module":22,"doc_module_name":25,"category_name":125,"show_sort_weight":4,"slug":126},158,"General","general-158",{"code":4,"msg":82,"data":128},{"doc_id":79,"user_id":129,"nickname":42,"user_avatar":130,"doc_module":22,"category_id":115,"category_name":29,"doc_title":10,"doc_description":12,"doc_content":131,"file_id":132,"file_url":133,"file_type":134,"file_size":135,"view_count":55,"is_deleted":4,"is_public":22,"is_downloadable":22,"audit_status":22,"page_count":136,"language":137,"language_code":8,"site_id":7,"html_lang":8,"table_of_contents":138,"faqs":139,"seo_title":140,"seo_description":12,"update_tm":141,"read_time":119},3985741905716,"https://ap-avatar.wpscdn.com/davatar_994ba38a5ba835b3df7d355c54d3ed8d","CAUTION: THIS DOCUMENT HAS NOT YET BEEN REVIEWED BY THE COUNTY CLERK . (See below.)  \nNYSCEF DOC . NO . 1  \nINDEX NO . UNASSIGNED  \nRECEIVED NYSCEF: 08/14/2024  \nSUPREME COURT OF THE STATE OF NEW YORK COUNTY OF NEW YORK------------------ ------------------------------------------------------X THE PEOPLE OF THE STATE OF NEW YORK, by LETITIA JAMES, Attorney General of the  \nState of New York,  \nPlaintiffs,  \n-against  \nACIMA DIGITAL, LLC  \nand ACIMA HOLDINGS, LLC,  \nIndex No.  \nDate Index No. purchased:  \nSUMMONS  \nDefendants.  \n------------------ ----------------------------------------------------X  \nTO THE ABOVE-NAMED DEFENDANT:  \nYou are hereby summoned and required to serve upon Plaintiff’s attorney an answer to the complaint in this action within twenty (20) days after the service of this summons, exclusive of the day of service, or within thirty (30) days after service is complete if this summons is not personally served upon you within the State of New York. In case of your failure to answer, judgment will be taken against you by default for the relief demanded in the complaint.  \nThe basis of the venue designated is the county where the plaintiff has its business address.  \nDated: August 14, 2024  \nNew York, New York  \nLETITIA JAMES  \nAttorney General of the State of New York  \nBy:  \nGlenna Goldis  \nAssistant Attorney General  \nConsumer Frauds & Protection Bureau  \n28 Liberty St., 20th Floor  \nNew York, New York 10005  \n(646) 856-3697  \n[glenna.goldis@ag.ny.gov](glenna.goldis@ag.ny.gov)  \nThis is a copy of a pleading filed electronically pursuant to New York State court rules (22 NYCRR §202 .5-b(d)(3)(i)) which, at the time of its printout from the court system's electronic website, had not yet been reviewed and approved by the County Clerk . Because court rules (22 NYCRR §202 .5[d]) authorize the County Clerk to reject  \nnpgstedfofrvariousfiling rebyasothsC,oreauntdyerCsleshrkould be aware that documents bearing this legend may not have been 1 of 59  \nCAUTION: THIS DOCUMENT HAS NOT YET BEEN REVIEWED BY THE COUNTY CLERK . (See below.) INDEX NO . UNASSIGNED  \nNYSCEF DOC . NO . 1 RECEIVED NYSCEF: 08/14/2024  \nOf counsel:  \nJane Azia, Bureau Chief  \nLaura Levine, Deputy Bureau Chief  \nOluwadamilola E. Obaro, Assistant Attorney General  \nConsumer Frauds & Protection Bureau  \nAttorneys for the State of New York  \nThis is a copy of a pleading filed electronically pursuant to New York State court rules (22 NYCRR §202 .5-b(d)(3)(i)) which, at the time of its printout from the court system's electronic website, had not yet been reviewed and approved by the County Clerk . Because court rules (22 NYCRR §202 .5[d]) authorize the County Clerk to reject  \nnpgstedfofrvariousfiling rebyasothsC,oreauntdyerCsleshrkould be aware that documents bearing this legend may not have been 2 of 59  \nCAUTION: THIS DOCUMENT HAS NOT YET BEEN REVIEWED BY THE COUNTY CLERK . (See below.) INDEX NO . UNASSIGNED  \nNYSCEF DOC . NO . 1 RECEIVED NYSCEF: 08/14/2024  \nSUPREME COURT OF THE STATE OF NEW YORK  \nCOUNTY OF NEW YORK  \n----------- -------------------------------------------------------------X  \nTHE PEOPLE OF THE STATE OF NEW YORK,  \nby LETITIA JAMES, Attorney General of the  \nState of New York,  \nPlaintiffs, Index No.  \n-against  \nCOMPLAINT  \nACIMA DIGITAL, LLC  \nand ACIMA HOLDINGS, LLC,  \nDefendants.  \n------------------------------------------------------------------------X  \nThe People of the State of New York, by their attorney, Letitia James, Attorney General  \nof the State of New York (“NYAG”), allege, upon information and belief:  \nINTRODUCTION  \n1. Partnering with furniture, jewelry, glasses, and auto repair shops all over New York, Respondents Acima Digital, LLC and Acima Holdings, LLC (collectively “Acima”) take advantage of New Yorkers by deceiving them into signing up for financing at rates that often leave consumers paying more than double the product or service’s sticker price.  \n2. Acima does not sell any goods or services on its own. I","cbCaiuIL4Wf14owJ","https://ap.wps.com/l/cbCaiuIL4Wf14owJ","pdf",1862248,59,"English","# Introduction\n## Allegations and transaction structure\n## Purported rent-to-own and legal characterization","[{\"question\":\"Who are the plaintiffs and defendants in this action?\",\"answer\":\"The plaintiff is the People of the State of New York, by Letitia James, Attorney General. The defendants are ACIMA Digital, LLC and ACIMA Holdings, LLC.\"},{\"question\":\"What financing structure does the complaint describe?\",\"answer\":\"The complaint alleges that Acima partners with retailers and offers consumers “Retail-Purchase Agreements” or “leases,” where the merchandise is presented as “bought” by Acima and then “leased” with periodic payments before the consumer “owns” the item after about 12 months.\"},{\"question\":\"What legal violations are alleged regarding the transaction type?\",\"answer\":\"The complaint alleges the agreements violate Personal Property Law (PPL) Article 11, contending the arrangements are not true rent-to-own transactions and instead function as loans under New York law.\"}]","Summons - Complaint - ACIMA DIGITAL, LLC and ACIMA HOLDINGS, LLC | PDF",1789831382]