Consumer complaint received 2022-04-21
Company: ACIMA CREDIT, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I looked at my credit report and saw a mark from ACIMA XXXX FKA SIMPLE, I first spoke with XXXX, who said that he can not find my account before eventually finding it. I informed him that this account was not mine and that I wanted to file a formal dispute because I did not originate this loan and that it was done so fraudulently, he told me that I would need file a police report, I informed that I would like to speak with a supervisor, he said that there is nothing that a supervisor can do that he can't, I asked if he was rejecting my request to speak to supervisor as that is a violation if so, he then said that he would, but began asking questions to try and help me. He informed me that the lease was done for I phone 's and he asked me about a XXXX XXXX XXXXXXXX, I informed that I have one but that I purchased it through my cellular provider and that I pay for it monthly through them. I also informed that I had a previous account with them where I paid everything on time. He said that he will get me with a XXXX, and then placed me on hold. He then came back to the line and hung up. He did not inform me that the call was an attempt to collect a debt at any point in the call. He used the last 4 of my social and DOB in order to find the account.

I called back and spoke with a woman, who did not listen to a word I said from the opening of the call, I completely explained the situation, primarily that I wanted to comply with reporting the fraud to the police but that I needed more info in order to effectively do so, given that in order to file a fraud I would need to know the place where the fraud occurred so that I could contact the nearest police department, she responded saying that if it is a fraud that I need to file a police report ... She also mispronounced my name after I had just told her my name which was a nice touch. I requested a XXXX at this point explaining that laws have been violated on there end and that I would be filing a complaint through the CFPB. 

At this point I spoke XXXX, who claimed to be a supervisor, He said that the woman I spoke with had explained to him what was going on and asked me to further elaborate, I asked what part he needed further explained and he began to go into telling me again that I would need to file a police report, I again explained that I need more information for filling the police report, being that I work in the industry and am very familiar with the process of a consumer being able or not able to file a report given the lack of information. He said that he can not provide me with information about the account in my name because I told him that it was a fraud. I asked how I could report the fraud, if he was not going to give information about the fraud, he said that company policy was to not tell me information, I explained to him that XXXX had already given me information so either he violated company policy, or he ( XXXX ) was lying. He talked over me at several points, was condescending and sarcastic as well. I then asked if I could get the location where the loan originated and he claimed that he could not give me that, and that I needed to contact the credit bureau in order to obtain that information and also said that it is on my credit report, both are not true. He said that he will flag the account as fraud, but said that it does nothing until I e-mail them a copy of the police report. I then asked for the psychical address for the business and refused to give it to me. He then asked me for my e-mail and told me that he could not tell me why he was asking only that it was company policy. He provided me an e-mail to send the police report and when I asked about a formal dispute he provided a po box after recommending that contact the Credit Bureau.

Several violations of the FDCPA & FTC took place in both calls, and honestly it is not my intent to get anyone in trouble, but for someone to be able to use my information as fraud, while I am in the process of shopping for a home and this being the process is ridiculous. I want this removed from my credit immediately. 

XXXX

Company response to consumer: Closed with explanation