Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ACIMA CREDIT, LLC
State: KY

Complaint narrative:
I have XXXX acima accts that i loat my job and quit paying. On XXXX i was left a very forceful vm stating they are trying to locate me for papers for a claim XXXX XXXX XXXXXXXX and to call XXXX ask for XXXX XXXX. Also this same place called my mothers cell phone leaving this exact message " My name is XXXX XXXX reaching out for XXXX XXXX in regards to providing XXXX XXXX with her court documents. This is XXXX XXXX contacting you in regards to a claim that is in the process of being filed through the county. The claim is not being filed against you. It's been filed against XXXX. I've been instructed to make you aware that your name and address has been listed as a likely place of location for her. At this point, she still has the right to contact the office that's following her claim to update her information. However, once released from their office, that will no longer be an option. That office number provided is XXXX. Now when she calls, she would need to provide her claim number XXXX D XXXX. This is considered notification by telephone. XXXX XXXX will be located at your residence unless I've been told otherwise. I called that number and accidentally with my cheek hit the record button they immediately told me they dont give permission to record the call and hung up on me. I called back and had a few choice words with the person and asked to speak to a supervisor and was told there isnt a supervisor to speak w. I then called the county sherriff due to i thought it was a scam they wouldnt tell me why they wanted ro speak w me without me confirming my personal info dob. The sherrif called them and called me back to tell me it is legit and they are a collection co. I called the number back thia time got a another person last name XXXX i asked who they were she said XXXX and she was quite rude i explained i thought it was a scam she proceeded to tell me no supervisor to talk to i am the supervisor and that they are trying to locate me to serve papers i said why arw you calling my mother im XXXX XXXX XXXX and my mom dont handle my business they atated i put her on the app and i dont recall doing so. She then hatefully stated my entire ss # stating she had everything on me and i shouldnt be putting my elderly mother on my app which i didnt. She puts me on hold and tells me its about acima balance owed {$2800.00} and {$750.00} i told her i will file XXXX  she said it wont help now. And that i stole this from that company. Next day i got another call from private number persons name was XXXX XXXX stated she was a locator trying to locate me asked my residence i told her ive lived at rhe same residence for XXXX years she said we are trying to locate you to give you documents before they go to be filed in your county court house. She provided a differnt phone number XXXX and a different claim number XXXX. When i questioned her she said she works for XXXX XXXX and has a state of XXXX  phone and eouldnt provide a phone number and hung up on me. I called XXXX another XXXX  i dont recall first name last name XXXX XXXX stated she was a locator trying to give documents on a debt she pulled it up and said Acima and stated it was {$2800.00} and if went to court it would be like {$4000.00} i asked who she was with she said XXXX i provided the phone number she confirmed the other phone number is a sister company i explained how can both have it. Never answered my question told me i had court papers being filed stating Acima, they are filing intent to decieve and breech of contract. She said it wasnt your intent to decieve how do you wan na take care of this? I said idk i dont have the money i finally said i can pay {$50.00} a month she stated that isnt enough. I explained to her that i havent received any documents the only thing i received was XXXX emails that said it was sold to XXXX XXXX XXXX She said it probably went to junk mail i said no and told her that i will contact an atty. I do have XXXX accts with Acima XXXX and XXXX i went online and it wont allow me to view it and states it was owned by collection XXXX XXXX  XXXX XXXX i have had other accts i have paid in full with them. I have lived in fear for 2 days that someone is gon na show up at my house or job. They have harrassed me and my family. I want it to go away

Company response to consumer: Closed with explanation