Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
Today, XX/XX/XXXX at XXXX, myself, my place of employment, my father and my mother all received phone calls from a number with no caller ID. Voicemail states as followed, " XXXX Deposited a new message : " XXXX, I also am reaching out to you, XXXX XXXX, in reference to a claim that is in the process of being filed. The claim itself, it is not being filed against you. It's being filed against XXXX XXXX. Your name and number were listed as a good point of contact for XXXX. It does appear that your address is also listed as a likely place of location for him as well. He does still have the right to contact the office handling the claim to update that information. However, once the claim is filed against him, it is no longer an option. The telephone number provided for their office is XXXX. We'll need to reference claim number XXXX XXXX. This is considered a notification. XXXX XXXX will be located at your residence unless I'm instructed otherwise. '' Click here : XXXX to listen to full voice message ''. I have received the same voicemail with person leaving the voice message as XXXX XXXX and case ID XXXX telling me to call XXXX. This was the message to my father. 

I called and explained to whoever I was talking to " did not give her name '' that I and my family members received this voicemail and I asked why. She had me verify my name and said she was getting the case. At that point I knew it a debt collector and indeed not some law office. She read out the details to which I said I have no knowledge of any of this and why would I need to pay a company with a check when I never written a check for payment a day in my life. She made it seem like I took out a personal loan and was supposed to pay this company back in full via check but they were unable to withdraw from my account. Again ive never written a personal check for payments a day in my life. Ever. I made the lady aware of this. She also stated that Acima, the company where this debt originated from tried me at my home address and email to which again I told her thats lie because I have zero correspondence with this company. Calling my family, specifically my mother and father when leaving behind these aggressive voicemails and using these tactics is im pretty sure against the law. I explained to the lady to stop calling my relatives and she hung up on me without saying another work. Ive read on XXXX, here and other forums how Acima and this company they use about how they are aggressive and trying to collect debts after their lawsuit. The lady I was speaking to said this debt is from XXXX  which per XXXX  has a 4 year limit. This debt is also not shown on any of my credit reports which is also something I stated. The fact they wouldn't verify the debt nor the amount is a problem. The all of a sudden aggressive phone calls and messages to not only my family but my place of work is also causing issues.

Company response to consumer: Closed with explanation