Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: AZ

Complaint narrative:
On or before XX/XX/XXXX, I received text messages from the number XXXX. It stated that I signed up to receive reoccurring messages. I ignored it as I thought it was spam as I do not know what Acima Leasing is. Shortly after that on the same day I received a text from a XXXX number that stated " congrats, you're approved to lease items up to {$2400.00} at XXXX  XXXX approval ID # XXXX. Minutes later another saying congrats, approved for {$2600.00} at XXXX XXXX approval ID # XXXX, then another for {$2600.00} at XXXX XXXX approval ID # XXXX, another for {$2400.00} at XXXX XXXX Approval ID # XXXX. Thereafter, the same number sent a link, twice asking to click for checkout. Afterwards, another link was sent asking for the initial payment with Acima, followed by a text asking if merchandise was received from XXXX XXXX. Please keep in mind when these messages were sent they were not opened nor were they seen at the original time when they came in as I was away for the weekend. On Tuesday, XX/XX/XXXX, I then started receiving emails thanking me for my initial payment of {$10.00}. Followed by an email with the last 4 digits of an old bank account that I closed almost 8 months ago stating they will take out the initial payment on XXXX XXXX for {$270.00} which they renewed somehow and then the payments became {$240.00}. Then I received emails about changing my payment date and amount, payment reminders, more approvals, and denials due to already open accounts, constant advertisement and marketing emails, payment failure emails and so on. I ignored all of the emails, links and texts messages up until that point. I made initial contact with Acima Leasing directly and spoke with a rep named XXXX who seemed to not know what the Acima policy was for fraud. She asked that i send an email to XXXX which was returned as the email address is actually XXXX. They then suggested I send the email with my entire ssn, birthdate, home address and email with my telephone number. I absolutely thought that was rather odd. So I sent minimal information in which Acima fraud department sent me back as response stating that it was not enough and advised that I get a police report in order for them to consider it as fraud, so I did. Police report case # XXXX. I purposely redacted my current address as I was skeptical about the info that Acima required for reporting a fraud. Acima responded back in an email letting me know they will not accept my report with a redacted address and that I needed a FTC report as well, so I did file FTC Report # XXXX. I sent this to Acima leasing as well and they further stated that now they needed a copy of my ID, my full ssn, and date of birth. I then responded and asked to speak with an actual representative, and of course they responded back with different options of reporting fraud to the federal bureau as they are only email operated. Since then up unto XX/XX/year> I am still receiving emails regarding these accounts. Furthermore, I am also receiving Letters of Adverse Action, letters to reinstate my lease as well as denial letters as someone is still applying my information to receive these accounts. I have noticed that I am receiving constant calls from XXXX, XXXX, XXXX. I mistakenly called back one of these numbers and got a dial one, shortly after another denial letter from Acima Leasing was sent to my email.

Company response to consumer: Closed with explanation