Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
So I got a call yesterday from a company called XXXX. Claiming that they were a lawyer group and that my debt had made the rounds. And that now legal action was to be made Against me. Saying if I dont pay {$3900.00} ish dollars. They would file a claim against me in XXXX XXXX where I reside. And contact my job as well as ding my credit. Saying if I do not pay the {$3900.00} ish soon enough. They will go through with this claim and that my employer will be notified, and any future employers will know I defrauded a company. And that I would liable for {$5700.00} ish in legal fees in restitution if they put the claim in. 

They informed me of an order/ Credit line that was opened in my name and at my previous address. Over 2 years ago. The time frame they gave isnt possible as I moved out of the address they gave me in XXXXXXXX XXXX XXXX So this order/credit line and product delivery, Was made after I lived there. Claiming I bought a Mattress from a company named XXXX XXXX, as well as opened a credit line with Acima. Two entities I have quite literally never heard of before that phone call. I have learned that these two names XXXX sleep and Acima are legit. But I have never done business with them. XXXX claimed that because I had not paid the order off within 90 days of receipt. That I had entered a long standing contract with Acima. Claiming there are going to be 2 allegations against me. If the Claim goes through to XXXX XXXX. 

I tried to asked for proof. I tried to tell them that I dont recognize it. But they dont seem to care. I got my Brother in on the call with me as Ive never dealt with something like this before. And my brother asked for a settlement. And so they brought the price down to {$2900.00} ish for XXXXne day only. And claimed that if I did not pay legal action would be taken against me. And I felt so pressured and was having a mental breakdown so I Just paid it. Even though This so called debt in my name, that is 3 years old by the way. Never showed on any of my credit bureau accounts ever. I paid the {$2900.00} to be exact. Just to be done with it. But when I woke the next day I decided to do some research and there are posts on places like XXXX about this company XXXX Making these exact same claims against other people.. XXXX claims they are not a collections agency but a claims team that files claims against you and takes you to court. When I asked who would be taking me to court on their behalf they dodged the question To be clear I have no account information or anything related to this debt other than stuff that they probably got off the internet about me. Like old address. My date of birth. And apparently my social security number. I asked for proof but they dont provide it. They ask you to follow the the chain of title. But wont provide any concrete evidence of an actual order. I have nothing, related to Acima or XXXX XXXX On any payment method. On any email. On any credit report.. it does not exist. 

I have contacted my bank to charge back the payment of {$2900.00} as I Believe this to be a complete scam. Where they pressure you into thinking your going to be in BIG TROUBLE if you dont pay right now.

Company response to consumer: Closed with explanation