Consumer complaint received 2025-07-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ACIMA CREDIT, LLC
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX Date : XX/XX/year>XXXX  To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington, XXXX XXXX Subject : Formal Complaint Against Acima Digital XXXX  and XXXX XXXX XXXX for Deceptive Lending, Harassment, and Improper Installation Dear CFPB, I am submitting a formal complaint regarding predatory and deceptive financing practices, harassment, and potential damage to my credit involving Acima Digital XXXX  and XXXX XXXX XXXX  in relation to a battery purchase and installation. 

1. Improper Battery Installation Resulting in Vehicle Issues A few months ago, I financed a car battery through Acima at XXXXXXXX XXXX XXXX. The technicians installed the battery but removed the factory battery strap and failed to clean terminals or properly check grounds. This caused immediate electrical malfunctions, including : XXXX warning light Blower motor failure XXXX  XXXX  issues XXXX electronic malfunctions Inconsistent starting due to low voltage and poor terminal contact None of these issues existed before the installation. Upon investigation, I found the strap had been taken and hidden. After pressure, employees retrieved it and claimed it was " cosmetic '' a dangerous and false statement. A loose battery is a safety hazard and can damage major vehicle components. 

Despite returning and requesting support, I was repeatedly dismissed and gaslighted by staff who refused to properly re-install or address the defective work. When I went to XXXX for a second opinion, they confirmed low voltage issues likely stemming from a poor install. XXXX XXXX refused to help further, and I was forced to drive an unsafe vehicle. 

2. Predatory Financing : {$800.00} for a Battery Worth ~ {$150.00} {$200.00} The battery I financed has a retail value of approximately {$150.00} {$200.00}, yet under Acimas terms, I am now being told I owe over {$600.00} an outrageous markup that preys on low-income consumers in urgent need. I was approved during financial hardship and was not clearly informed of the true cost or leasing structure. This aligns with prior allegations against Acima for deceptive lease-purchase agreements. 

XXXX. Harassment & Workplace Interference Since falling behind due to unresolved vehicle issues, Ive been subjected to aggressive collections tactics, including : Persistent phone calls during work hours despite me clearly stating it was not a good time Auto-dialer spam from different numbers and email harassment Interference with my employment due to their refusal to respect boundaries This behavior violates the Fair Debt Collection Practices Act ( FDCPA ) and shows a complete lack of consideration for the customers livelihood. 

4. Ongoing Harm & Credit Reporting Concerns Despite these issues, I agreed to a settlement plan purely to protect my credit. However, I no longer feel it is fair or lawful to pay for a product and service that was not delivered safely, damaged my vehicle, put me at risk, and led to workplace stress and possible credit harm. I am still being pressured to pay for this battery even after multiple complaints with no accountability from either Acima or XXXX XXXX XXXX 


-- - Requested Resolution : Immediate cancellation of this lease agreement Refund or credit of payments already made Assurance of no negative impact to my credit report Investigation into the business practices of Acima and XXXX XXXX XXXX Cease-and-desist of all harassment, phone calls, and auto-dialer contacts Compensation for vehicle-related damages and emotional distress I am attaching all documentation including diagnostics, receipts, and correspondence logs. 

Thank you for your time and for advocating on behalf of consumers like myself. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation