Consumer complaint received 2026-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
Summary of the Issue I am filing this complaint regarding a lease agreement issued by Acima Credit that I dispute as invalid due to material misrepresentation, lack of informed consent, and inaccurate personal information contained in the account. Although Acima has refused to investigate this matter as fraud or identity misuse, the facts of this case demonstrate that a legally valid agreement was never knowingly or properly formed. 

What Happened On or about XX/XX/year>, I went to XXXX XXXX in XXXX XXXX, Texas to purchase a bed. During this transaction, I was assisted not by an XXXX XXXX, but by an Acima representative who facilitated the leasing process. I was told that I was approved for a payment structure that was materially different from the lease terms later enforced by Acima. I relied on these representations in agreeing to proceed. 

I was not given a meaningful opportunity to review the full lease agreement before being directed to sign, nor were the true financial terms clearly disclosed. I later learned that the agreement reflected an obligation far exceeding what had been represented to me at the point of sale. 

When I attempted to resolve the issue, an Acima representative XXXX XXXX, XXXX ) acknowledged that the agreement did not reflect what I had been told and stated he would correct the contract to match the terms I agreed to. He later ceased responding and transferred stores without resolving the matter. 

Inaccurate Account Information Upon reviewing the lease records, I discovered that critical identifying information on the account is incorrect, including : The name/signature on the contract The physical address The email address These details are not accurate and are not tied to me. The presence of materially incorrect personal information undermines Acimas assertion that this account was knowingly and validly opened by me. 

Acimas Refusal to Investigate I formally disputed the account with Acimas Fraud Department. Acima refused to investigate this matter as fraud or identity misuse solely because I was physically present at the retailer and provided my phone number during the transaction. They asserted that this alone proves consent. 

This conclusion is flawed. Physical presence and partial use of identifying information do not establish informed consent when : Contract terms were materially misrepresented The consumer was not given a fair opportunity to review the agreement The account contains incorrect identity information A company representative acknowledged the terms did not match what was agreed to Acima further stated that because I mentioned seeking legal counsel, they would no longer communicate with me and directed me either to their Recovery Department to settle the account or to wait for legal representation. This response effectively shuts down dispute resolution while continuing to treat the obligation as valid. 

Why This Is a CFPB Matter This is not a case of buyers remorse. This is a dispute over whether a legally valid contract was ever formed. 

I contend that : The lease was obtained through material misrepresentation of payment terms. 

I did not give informed consent to the agreement as enforced. 

The account contains materially inaccurate personal information. 

Acima has refused to conduct a good-faith investigation into fraud or misuse. 

Acima has attempted to shift the matter directly into collections rather than resolving the validity of the contract. 

What I Am Requesting I respectfully request that Acima be required to : Conduct a formal, good-faith investigation into the validity of this lease, including the misrepresentation of terms and the incorrect identity data. 

Provide written documentation of the exact lease version I allegedly reviewed and signed, with accurate identifying information. 

Cease and suppress any negative credit reporting related to this account while the dispute remains unresolved. 

Correct or remove any reporting associated with an agreement that was not knowingly or validly formed. 

Address the conduct of the Acima representative who acknowledged the discrepancy in terms but failed to correct the agreement. 

Closing Acimas refusal to investigate this matter as fraud or misuse does not resolve the underlying issues of misrepresentation, inaccurate account data, and lack of informed consent. I am asking for CFPB assistance to ensure that this matter is reviewed fairly and that I am not held financially responsible for an obligation that was never properly agreed to.

Company response to consumer: Closed with explanation