Consumer complaint received 2020-03-28
Company: ACIMA CREDIT, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of 2019 I went into contract with Acima for new tires from XXXX XXXX XXXX XXXX ... I have always had a great payment history. In XXXX of 2019 Acima debited my account early for monthly payment. I had not yet moved my .money from one account to the other. As a result of the unusual activity my bank froze my account. Now it just so happens that I had transferred all of my monies to that account which was now frozen due to unauthorized debits. I called acima to inform them of the chaos they caused and they acknowledged and admitted to the early debit apologized and corrected the debit date. Due to the early debit/ unusual account activity.my bank account was frozen for 60 days!!!! No money in ... no money out!! This really caused an economic hardship and my financial situation to spin out of control.i was not able to pay ANY BILLS or creditors and incurred late fees with other creditors. As soon as my account was unfrozen I contacted ALL my creditors and brought my balances current ( including ACIMA XXXX AFTER bringing balances current I pulled my credit report and saw ACIMA had the audacity In the midst of this debacle acima caused by debiting my account early to report a late payment on my credit report. I disputed the item explaining the situation to XXXX and providing supporting documentation. XXXX reported back that Acima verified the late payment as valid. I called acima and requested them to remove the late payment due to the payment being late because of them debiting early and triggering security issues with my bank initiating a freeze on my account for 60 days which disabled me from paying them or anyone else. I was given the run around and told that I had to contact XXXX to do that. I told them i already did that and XXXX directed me back to acima since they are the ones who report the information. They give me problems every time I call they tell me someone will call.me in three days.. no one ever does. I recently paid off the remaining balance on my account with them just to be done and end the business relationship. I received confirmation of the payoff to only later be told by acima that I still owe {$200.00} plus dollars this was the final straw and what has lead me here to file this complaint as I am and have been being consistently having my rights violated. They are now making HARRASSING calls to my phone to collect money that is not owed to them my account is paid off. I received an email confirmation which stated my account was paid off. I printed the page out of both payment confirmations. I thank XXXX I did because after speaking with acima and them telling me I still owe {$200.00} plus something dollars. And me requesting to speak to a supervisor and XXXX telling me someone would reach out to resolve issue in 3 days. That was over a week ago and no one has reached out. While filing this complaint and going back into my emails to screen shot the email from acima which states my account has been satisfied ... the email is NOT there.. there are no emails from acima ... ACIMA RETRACTED THE EMAIL WHICH IS WHY I AM ATTACHING A PICTURE OF THE CONFIRMATION OF PAYOFF THAT I PRINTED FROM MY INBOX AS SOON AS I RECEIVED IT IN XX/XX/XXXX.

Company response to consumer: Closed with explanation