Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding repeated and improper contact made by XXXX XXXX XXXX XXXX, on XX/XX/XXXX and the days following. On the morning of XX/XX/XXXX at approximately XXXX XXXX, my elderly mother received a phone call from an individual identifying herself as XXXX XXXX. She stated that she was calling from a compliance locator office and had information indicating that I resided at my mothers address. During this call, my mothers name and address were confirmed. My mother clearly informed the caller that I do not live there. Despite this, the caller left a message requesting that I return the call regarding a file in their office ( File # XXXX ) and provided the phone number XXXX. The same individual called my mother again at XXXX XXXX and repeated the same information, again stating she was from a compliance locator office. A third call was placed at XXXX XXXX, at which time a voicemail was left with the same message. Later that day, at XXXX XXXX, my mother received yet another call referencing a compliance department. I returned the call and spoke with a representative. Upon verification, I immediately informed him that I had filed XXXX XXXX XXXX and offered to provide my case number. He declined to take the information and continued discussing the alleged file. I again stated my bankruptcy status before ending the call. Despite this notification, the calls continued, specifically to my elderly mother, which is both inappropriate and distressing. I subsequently spoke with a representative named XXXX XXXX, who acknowledged that calls should have ceased once I disclosed my bankruptcy status and stated my mothers number would be removed. I later spoke with District Manager XXXX XXXX, who advised that she would review the calls and follow up with me. No follow-up was made. Further attempts to contact your office resulted in both my personal and work phone numbers being blocked. Only after calling from a third-party number was I able to reach XXXX XXXX, who confirmed that I had indeed stated I was in bankruptcy at the beginning of the call and that my file had been removed, after which she abruptly ended the call. This situation raises serious concerns, including but not limited to : Repeated contact with a third party ( my elderly mother ) Continued collection attempts after notification of active bankruptcy Use of vague or misleading identification such as compliance locator office Failure to properly document and act upon bankruptcy status Blocking my phone numbers to avoid communication Unprofessional and dismissive conduct by staff I am requesting : Written confirmation that my information and my mothers contact information have been permanently removed from your system A full internal review of this matter A written response outlining your findings and any corrective actions taken

Company response to consumer: Closed with explanation