Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I went to XXXX XXXX XXXX to purchase a treadmill and they offered Acima Leasing. I applied and was approved for about XXXX dollars. I paid XXXX dollars that day and the card on file was charged XXXX dollars. The owner/manager XXXX sold the product as brand new. This was in XXXX of XXXX. Less than one week after the product was delivered to me it broke down. I spoke with XXXX and he picked the product up and told me he would repair it. I was confused because he advertised it as new. Two weeks had passed and I went back to the location to get a ETA on when I will receive my treadmill because Acima had already started charging me for a product I did not have. XXXX informed me that he would contact them to cancel the lease being that I didnt have the product. XXXX came and Acima attempted to charge me again and in return I contacted them around XX/XX/XXXX and informed them what happened and was told they would reach out to the company. That same day I went to XXXX XXXX XXXX again to see if they can just give me a whole other treadmill and XXXX stated he couldnt and that the part to repair the treadmill will take 6 weeks due to the part coming from XXXX. Instead of going back I would call the company over the phone over the next month for updates and kept getting the runaround finally I decided to go back and to my surprise the business was long gone and the building had For Sale/ For Lease signs on the outside perimeter. I never heard from Acima Lease again, nor have I recovered anything in the mail or phone calls after XXXX of XXXX. Fast forward to today XX/XX/XXXX at XXXX in the morning I received a call from XXXX XXXX who works for XXXX a company that attorneys work for to file lawsuits in court, stating she is an locator for an attorney suing me for fraud, stating that they need all my information so they can serve me at my place of employment and start garnishing my wages along with calling me an XXXX XXXX. I was startled and placed under an immense amount of XXXX because thats not who I am or my character. So I immediately called Acima who stated the forwarded my account to another company when asked the name the representative XXXX stated she didnt know it but had a phone number which was XXXX. I called this number and they asked for my social and then told me they had no information and to call this number XXXX. Did the same and the representative stated the exact same and gave me this number XXXX where in turn this person XXXX asked for my social and I got super skeptical because I shouldnt have to keep telling a complete stranger my social security number no one had File Numbers or Reference Numbers which seemed like a scam finally o was transferred back to XXXX and got someone name XXXX XXXX his phone number is XXXX ext. XXXX where he told me I owed XXXX dollars and that they can settle for XXXX and I told him thats steep being that I dont have the product and to pay double the price and he stated that was the fee to pay to keep it out of court. I told him what happened and he told me its nothing they can do and that I would have to pay or else the will start garnished my wages along with serving me at my home or job. I asked for more information about the company and a letter stating how much would be owed and a breakdown of everything and was told he couldnt give me that. I called Acima leasing back and spoke with XXXX and she stated shes never heard of XXXX being a collections company for them and to not give anymore information. This has caused me complete XXXX  and XXXX  and I need some help. To have to pay for a product I dont have is sad. And for XXXX to state it doesnt matter and that I need to give the money back in crazy

Company response to consumer: Closed with non-monetary relief