Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding alleged debt collection activity and conduct by XXXX, related to an account they claim is owed to Acima. In XX/XX/year>, I was contacted by a company identifying themselves as XXXX XXXX XXXX. They informed me that there were pending allegations against me and requested my address for service. They provided a case number and instructed me to contact XXXX to arrange payment in order to avoid court proceedings. I contacted XXXX as instructed. During this and subsequent calls, representatives were aggressive, condescending, and accusatory. I was accused of intentionally committing XXXX. I explained that any issue with the account was due to a banking error and was not intentional. I also stated that I had never received any prior billing statements or collection notices from Acima. Had I received such notice, I would have addressed the matter promptly. Despite my efforts to resolve the matter, I was repeatedly subjected to hostile and intimidating communication. XXXX spoke over me, used a condescending tone, and made statements about punitive damages and legal consequences in a threatening manner. I also informed them that I suffer from severe anxiety and that these interactions were distressing, but their conduct did not change. Under pressure, I agreed to a payment arrangement. I was initially asked to make a lump sum payment of approximately {$1600.00} {$1800.00}, which I could not afford. The balance was then divided into payments of approximately {$130.00}, and I provided my banking information. A payment was successfully made in XXXX. In XXXX, a payment was missed after I stopped using the debit card on file. Following this, XXXX made repeated attemptsover a XXXX debit my account and called me repeatedly. When I returned their call, I was pressured to provide new banking information, which I did. Payments were then made in XXXX. However, I lost my job on XX/XX/year>. On or around XX/XX/XXXX, multiple additional debit attempts were made against my account, all of which were declined due to insufficient funds. Since that time, I have received approximately a XXXX calls within a short period. Again, they demanded payment in full and ridiculed me when I explained that, as I am currently unemployed and unable to pay {$130.00}, it was unreasonable to expect payment of {$1300.00}. When I attempted to record the call for documentation purposes, the XXXX tone became increasingly hostile and unprofessional. She repeatedly stated that the recording would be inadmissible in court while continuing to speak in a threatening manner. Throughout this entire process, I have repeatedly requested : Written verification of the alleged debt Documentation showing the amount owed Copies of any agreements or contracts Access to a legitimate payment portal These requests have not been fulfilled. I have not been provided with sufficient documentation to validate this debt or support the allegations being made against me. I dispute the claim that I committed fraud and maintain that any issue with this account was unintentional.

Company response to consumer: Closed with explanation