Consumer complaint received 2022-11-18
Company: ACIMA CREDIT, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To Whom It May Concern, I believeand stand behind when I say this " company '' Is violating my rights when it comes to the Fair Credit Reporting Act 1681s-2. They are reporting information that is inaccurate and failing to report information correctly. I have requested the following and been denied : Name and Address of Alleged Creditor. Name on File of Alleged Debtor Alleged Account #. Address on File for Alleged Debtor. Amount of alleged debt. Date that this alleged debt became payable : Date of original charge off or delinquency. Was this debt assigned to debt collector or purchased. Amount paid if debt was purchased. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. Furthermore Here is my story to help validate my reasoning.I had paid my collection account off with ACIMA back in XXXX of XXXX. I was told by the ACIMA RepXXXX that the account was paid off, after negotiating a comfortable pay off price and paying the negotiated price. The account was removed from my credit, on all 3 bureaus. On XX/XX/XXXX we went to our bank to apply for a mortgage loan, when we were told that ACIMA was causing us to be denied. They had apparently closed the account in XXXX, and reopened it in XXXX of XXXX saying we owed them {$1000.00}. It also stated that the account had been past due since XXXX of XXXX. Which makes no absolute sense. I called ACIMA twice to try and figure this alleged debt out, and ask for more information. The three ACIMA representatives I spoke with were very rude. They would not let me speak, kept talking over me when I was trying to ask questions or trying to explain myself. They would not send these things I asked for to insure the alleged debt. 


I asked for and was denied the following : A debt validation letter sent in the mail containing my signed signature agreeing to pay the alleged debt, the original business where the alleged debt was acquired, and any supporting information they had to support their claim that I owed them the alleged debt. After being treated with the worst customer service, and spoke down on, the representative I was speaking to said " If we were to close out an account, and reopen it without contacting you that would be fraud. '' Which is exactly what ACIMA did, they closed the account in XXXX when I paid the negotiated amount to pay off the account, then it was reopened 3 years later saying we owed them the alleged amount of {$1000.00}. Furthermore, after ACIMA reopened this account they made no attempt to contact me letting me know. So now over 4 years later I have found out about this alleged collection debt and it has ruined my credit. After trying multiple times to figure out what had happened, the representatives with ACIMA have made it very clear they will not help me nor will they give me any of the information I need to validate this alleged debt. I HIGHLY DO NOT RECOMMEND doing any business with ACIMA. They are trying to get away with this and have threatened to take it out of my income tax refund, without my approval. I have reported this to the credit bureau, but the Representative made it very clear he would get the money. I feel violated, taken advantage of, and very disrespected. Then after doing further research on the ACIMA customer portal I indeed had paid this off! There was a set 90 day purchase price of a little over {$600.00}, and after doing some math it showed I had paid that. Along with the negotiated pay off price I paid in XXXX, which ACIMA has no clue where that payment went. They also have my account listed as closed and paid in the customer portal. They did not have my correct Social Security number listed on the collection account, and when I called and gave them my correct S.S. number they couldnt find the account.I hope you can use the information I have provided to you to help stop these frauds before they do it to more people like me who have been working really hard to build their credit.

Company response to consumer: Closed with explanation