Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
Subject : Debt Collection Complaint Impersonation, Threats, XXXX Request for XXXX Trace I am submitting this complaint regarding deceptive XXXX threatening communications related to an alleged debt. On XX/XX/year>, I received a voicemail from an individual identifying herself as XXXX XXXX using phone number XXXX. The caller refused XXXX identify any company or agency she represents and stated only that she was an XXXX whose role was to locate individuals. The voicemail stated the following : XXXX XXXX. This is XXXX XXXX contacting you regarding a claim that is in the process of being filed into XXXX XXXX XXXX have you located at the premises of your home or place of employment. I wasn't able XXXX reach you by phone so I have been instructed XXXX contact your place of employment because it looks like that is going XXXX be your likely place of location. XXXX XXXX, you do have the right XXXX contact the office that is handling your claim, however, XXXX it is released from that office, that will no longer be an option for you. The phone number provided for that office is XXXX. XXXX again the number is XXXX. This is a notice by phone XXXX XXXX. You will be located at the premises of your home address, XXXX your rights will be considered forfeit until further notice. Best of luck. In addition XXXX this voicemail, the same individual or XXXX XXXX contacted a XXXX party known XXXX me XXXX made similar threatening statements regarding this alleged matter. The caller refused XXXX identify a company name, mailing address, or provide any written validation of the alleged debt. The statements made falsely imply legal action, impersonate official authority, XXXX are designed XXXX intimidate. Based on this conduct, I believe the individual XXXX/or entity behind this number is engaging in : - Misrepresentation of legal status of a debt - Impersonation of law enforcement or official authority - False threats of legal action - XXXX XXXX XXXX - Improper XXXX-party disclosure - Use of telecommunications systems XXXX conceal identity Separately, I have been contacted by a company identifying itself as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX originally owed XXXX ACIMA. I am currently disputing that debt XXXX have requested full validation, including contract documentation XXXX chain of assignment, which has not yet been provided. Given the overlap in timing XXXX subject matter, I am requesting that this matter be investigated XXXX determine whether the individual XXXX XXXX or the number XXXX is affiliated with any debt collection entity or is engaging in impersonation related XXXX this account. I specifically request that the telecommunications XXXX associated with XXXX be identified XXXX that the account holder responsible for these communications be disclosed. I am prepared XXXX provide supporting evidence including voicemail records, call logs, XXXX XXXX XXXX I request that appropriate enforcement action be taken XXXX address these deceptive XXXX threatening practices.

Company response to consumer: Closed with explanation