Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ACIMA CREDIT, LLC
State: OK

Complaint narrative:
My daughter was first contacted on XX/XX/XXXX by someone from a collection agency/law firm. They provided her with a file # and phone for me to contact. When she asked for their name, and who she was speaking with, they hung up. I called number immediately and the man who answered said a rapid, garbled name and " may I help you. '' I asked what the name of the agency was I called, and line suddenly disconnected. I called right back. A woman answered without saying name of agency when she picked up, I told her about my daughter being contacted and the file # provided. She told me it was " locked '' after asking my name, last four of ssn and dob. I asked her how she verified that information if she couldn't get into the file, she never answered. After a short time on hold, she advised me I was being brought to court by Acima Lease XXXX for a purchase that was made in Texas in XXXX. I did live in Texas for a portion of XXXX, but told her I didn't recall any purchases made and definitely not any from Acima. Could she provide the bill of sale or lease contract from store item was purchased at, or the original, signed lease contract. She told me she wasn't required to and instead read me the complaint that was going to be filed " with the county '' if I refused to pay. I asked her which county, and she said " the one you live in '' I asked her what county that was, she just started reading the " complaint '' without ever answering me. So I asked her a third time what the county was, and she raised her voice, " ma'am please stop being uncooperative and interrupting me. '' She read something about an appliance purchase made through a used appliance store in Texas named XXXX XXXX XXXX, but failed to provide an address or phone for that store. Original purchase was {$1500.00} or so and with court fines and fees, the amount was now over {$3000.00}. I told her no such purchase was made, nor is anything related to Acima reported negatively on any credit report. I explained I just purchased my home and was required to pay credit card balances and any collections account before loan approval, which I did. That would have been paid, if I owed it, because of that reason. I then asked how they managed to find my daughter contact information and phone number but not mine. I haven't been hiding and my address and number are both listed online, because I actually did a XXXX search on myself in the past. But they were harassing my daughter instead. I've received nothing in the mail from anyone, nothing reported to credit and no calls from Acima or anyone. She said they'd emailed me recently with this information as well. I checked email while she was on the line. Emails from Acima, dated XXXX were in my Spam folder. Those emails talked about defaulting on a lease and offering me a {$260.00} payment to clear the bill. I looked for original contract, and when I clicked on that email the attachment of contract wasn't there. One email said it was for the purchase of one, stand alone washing machine. No price. I answered the last email received from XXXX, asking for them to send me a copy of original signed contract that day, with no reply yet. I also found a voicemail from this " collection firm '' that contained an extremely nasty message about demands for payment and intent to sue for payment. My apologies for missing that call, and that I had some newly found health issues so I'm frequently at doctors for testing, etc. She asked me how I intended to take care of bill that I purposely avoided paying, and I told her that I always pay my bills. That I left Texas abruptly after a violent incident happened to me, and actually left most of my belongings in the house I was renting at the time. I don't recall buying any washer, because I had a new set there already. And again asked her to provide proof of that purchases. She didn't answer, said she document that I called, and someone would call me back. Same person who left me the initial message demanding payment on XX/XX/XXXX, left another message, as I again was unable to answer her call. She specifically said that she called SEVERAL times and that I avoided all contact on purpose and rejected all her calls. That she called one last time so " you can't say you had no knowledge of this purchase, lease or filing court documents with the county. '' I called number she left AGAIN today XX/XX/XXXX. A man answered. Gave him the file number and he too said it was locked after asking me for the same identitying information. I again asked how he could verify my personal information on a locked file. He raised his voice " what can we help you with XXXX XXXX. '' I told him from the beginning what has happened. Also told him he was required, by law, to prove I owed this debt. He kept talking about their intent to file court papers " with the county '' to force this payment. I told him I had Already called, acknowledged this attempt and was told id be called back. Which I was, and the person told me it was the last call, so I couldn't deny knowledge of alleged debt. He said he knew nothing about that call as it came from their " compliance department. '' I asked him why, if I had called as directed I was still getting harassing calls don't they communicate with other departments? That her message left implied she had knowledge of the exact conversation with the woman in HIS department from 2 days earlier. He started gaslighting me, and implying I didn't intend to pay. I told him I wasn't paying a dime until he could prove with original contract with Acima, SIGNED by me. He ignored and kept pressuring for payment. I swore at him to stop treating me like I was stupid, and the call went on hold. I waited, he came back on, told me, in a voice used to talk to little children, very slowly and said he wouldn't tolerate swearing. He told me the purchase was for around {$2000.00} and was an " upright washer '' how was I paying. So I too told him slowly, I do not have knowledge of any purchase, never owned any " upright washer '' if he meant a stacked upright washer dryer combo, which he said he did, never owned one in my lifetime, already owned a regular unstacked set when I lived in texas, and the house I rented didn't have anywhere I could have fit an upright set and could be verified with that landlord. That I left Texas after a XXXX XXXX XXXX happened by a handyman I hired. HE LAUGHED. HE LAUGHED WHEN I TOLD HIM THAT. i didn't even acknowledge that disrespect. Told him I left that same day and actually had to leave most of my belongings in the house as they didnt fit in uhaul, which could also be confirmed in court by landlord. He asked me to provide with police report made reporting the attack. I told him none was made, as I left the state asap. He laughed AGAIN. Said " ya, that never happened '' I told him I wasn't paying anyone XXXX. That id attempted contact with Acima both over phone and email with no luck. No proof of contract, no payment and id see him in court. He said, so you no longer live in Texas? I said, idk, do I? If you're ready to serve me papers any day, how do you not know my address? Advised him to stop harassing me, stop calling my daughter, or id report him for fraud and hung up. I went on acimad website and no way to talk with a human without a lease number. I opted for the " chat now '' option. Confirmed my identity, told them I was contacted by a law firm for connection. I had no knowledge of a lease through them and asked to be provided with signed contract. He said he had no access to my file as it was in collections. He sent my chat to collectors. I repeated story, asked again for copy of contract with my signature and that I reviewed their policy stating it was my right to that contract and that once my identity was confirmed would be sent via email. He again refused to send, no access to file and to contact " XXXX XXXX, XXXX '' and gave an entirely different contact number. I said I had and they refused to supply contract as well. He disconnected chat. The number connected to the phone I was online with, when I connected to the chat, was redirected to fraudulent law firm via a computer program that does this. I looked up " XXXX XXXX, XXXX. And immediately it cake up that this was a scam agency known to aggressively contact families members of intended victim, endless harassment, instead of the intended victim themselves so to pressure that person to call them. Then they would refuse to supply any proof of sales receipt or contract or information of store things were bought at. That it was most always directed at people who could have purchased Appliances through a lease program. Exactly my experience. Advised daughter to save and record on paper all attempts at contact and any voicemails left regarding this matter. I have screenshots of calls, chat conversations and saved all voice mails in this matter. I also called alleged store initial purchase was made. They have been out of business and permanently closed for years, so I was unable to find out about any sale or get Any proof of sale. The name is XXXX XXXX XXXX in XXXX XXXX, Tx. Contact number XXXX XXXX for " XXXX XXXX, XXXX '' which they called " XXXX '' on the second phone call, is XXXX file # XXXX XXXX Lease company is Acima. I have no account number to provide because I don't know it and have no record of any lease through or receipt of sale from appliance store. I save all documents like this, in case things like this should arise.

Company response to consumer: Closed with explanation