Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ACIMA CREDIT, LLC (OH)

On XXXX XXXX I went to acima leasing inside of XXXX XXXXXXXX Superstore XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I wanted to get a washer and dryer. I was denied approval based off of the code that I had a lease open currently. I advised no I do not. I called the customer service number in store given by the staff that were there XXXX after trying to get through for XXXX minutes XXXX the sales XXXX called another number on his phone which I think I heard him say was the XXXX number after a total of XXXX minutes on my phone and about XXXX minutes on his someone answered. I asked where this open loan is supposed to be and was told they couldnt see it they just see its one open. I asked for a manager she said the same thing. I was told to try to find it on my own I kept telling them how can I find something that I dont know exists. I then called XXXX XXXX XXXX XXXX XXXX and spoke with XXXX. He stated my last account with them was closed and closed XX/XX/XXXX. He reported there were no open accounts with XXXX or at all in the portal. The store manager at acima told me to call back on XXXX to speak to XXXX the district XXXX. I call today she isnt there and the staff that answered my call at acima was there XXXX and although she knew my situation started telling me to research on my own. I tell her how can I research something that I dont know what XXXX looking for? She states she texted XXXX and XXXX reported she doesnt have access to tell me what open lease I have. I asked for the person over XXXX and she said corporate. The person that answered the phone gave me another 2 numbers. XXXX which when I called was XXXX XXXXustomer service although she witnessed me on XXXX call XXXX  I spoke with XXXX at XXXX and she tells me the same thing XXXX told me XXXX I told her I feel like Im getting the run around nobody is telling me where I supposedly have an open lease she then states it could be outside the company and go check my credit reports. I advised her I did check my credit reports and nothing is in my reports showing anything open anywhere because I dont have a lease open anywhere she stated she apologized nothing she could do. The next number I called she gave me was XXXX there was a recording stating this number is not in service. So acima is denying my application stating I have a loan somewhere else but nobody can tell me where I have a loan. They keep telling me to investigate but I cant investigate because they wont tell me where this is. After I stated if the system is computing I have an open loan then it is pulling it from somewhere so I should be told where, I was advised to check my credit reports. Once I advised I already did that then there was nothing could be done. Ive been given 3 different numbers the store called a fourth number and told to follow up with the district manager and NOBODY can give me any answers or explain my denial.