Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
" I am disputing an alleged debt regarding Acima Lease # # XXXX. In XXXX, 1 ordered items from a merchant that were stolen upon delivery. The package itself had the jewelers name XXXX XXXX which was negligence on their end. I ordered two necklaces which amounted to XXXX that I never received.i reached out to the seller to explain the package was empty, but after I didnt receive any further contact as the seller stopped responding to my messages saying it was out of their control of it being stolen. I really wanted the necklaces but the seller sold out of the one I wanted to even try to receive a replacements. So I have no necklaces at all. Never received any replacements. The post office claims there was several theft going on during that period. I received an empty package. I already provided Acima with all evidence of police reports and post master office filings, emailed claim numbers, yet Acima still continues to harass by threats of credit. I followed all contractual requirements in the Acima Lease ( Section 4, 'Loss or Damage ' ), which explicitly states I am not responsible for stolen property if a police report is provided. 
Evidence of Compliance : 1. Filed XXXX Sheriff 's Report # [ XXXX ] in XXXX. 
2. Filed Claim # XXXX Acima Claim directly with Acima in XXXX. 
Filed a stop payment with Acima in XXXX claim # XXXX 3.Provided a USPS Postmaster letter confirming city-wide locker thefts.

Despite providing this proof repeatedly, Acima failed to close the claim and has now assigned the 'debt ' to attorneys who are using deceptive and threatening language, including calling themselves 'order compliance officers ' and claiming I am in 'contempt ' a violation of the Fair Debt Collection Practices Act ( FDCPA ) and California Rosenthal Act . I request that Acima honor their contract, cease all collection efforts, and clear this from my record immediately. '' This is similar behavior by Acima : 1. The Federal Case ( CFPB v. Acima ) Case Number : Consumer Financial Protection Bureau v. Acima XXXX, XXXX et al., No. XXXX ( XXXX XXXX XXXX ). 
In this lawsuit ( filed XX/XX/XXXX ), the CFPB specifically alleges that Acima uses " deceptive dark patterns '' and fails to properly investigate claims of fraud or theft. 
: " Acima is continuing the exact pattern of behavior described in Case No. XXXX by ignoring my timely filed police report and claim numbers from XXXX, effectively attempting to force me to pay for stolen merchandise that their own contract ( Section 4 ) says I am not liable for. '' Case Info : State of New York v. Acima Digital, LLC, filed XX/XX/XXXX. 
: Attorney General XXXX XXXX sued Acima for " deceptive rent-to-own practices, '' specifically highlighting that Acima often charges consumers for merchandise that was never delivered.

: " The New York AG 's lawsuit alleges Acima routinely charges for non-delivered or stolen items. As a consumer in a similar situation, I am being harassed by attorneys for a 'debt ' that should have been cleared per the terms of my lease and my provided police report. ''

Company response to consumer: Closed with explanation