Consumer complaint received 2026-04-27 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: NC

Complaint narrative:
Subject : Rebuttal to Company Response Formal Dispute, Demand for Clarification, and Request for Resolution I am responding to the companys statement regarding my complaint because their response contains inconsistencies, fails to address the core issues raised, and creates additional confusion regarding who is attempting to collect this alleged debt. I have contacted Acima several times regarding this matter and was advised that XXXX XXXX XXXX XXXX is the current owner or authorized holder of this debt. However, XXXX XXXX XXXX XXXX is now stating that they are not the company contacting me and have never called me. If XXXX XXXX XXXX XXXX is not the entity contacting me, then I am formally demanding clarification as to : - Who is contacting me regarding this alleged debt ; - Who has access to my personal and debt-related information ; - Who is authorized to collect on this account ; and - How multiple parties appear to be communicating regarding the same debt. I have repeatedly requested a written validation letter regarding this alleged debt from both XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, the company that has continued contacting me regarding this matter. Despite multiple requests, I have not received sufficient documentation clearly validating the debt, identifying the lawful owner, or confirming who is legally authorized to collect payment. Additionally, after reviewing my credit history, I have not found any reporting related to this alleged debt on my credit file. While I understand debts are not always reported to credit bureaus, the absence of any reporting further contributes to my confusion regarding the validity of this debt, who owns it, and who has lawful authority to collect it. In addition, I have been subjected to threatening and coercive collection tactics, including repeated contact, voicemails, unauthorized contact involving my family members, and statements that caused me to fear legal consequences if I did not make payments. These communications pressured me into making consistent good-faith payments out of fear and distress. Because I made payments under pressure, intimidation, and uncertainty regarding who actually owns or has authority over this alleged debt, I dispute the legitimacy of the collection activity. If the information provided to me regarding ownership, authority to collect, or the validity of this debt is inaccurate, misleading, or unsupported by proper validation, I formally demand a full refund of all payments made under these circumstances. I am also concerned because I understand there is current litigation in North Carolina involving allegations of unlawful debt collection practices against XXXX XXXX XXXX XXXX. While I recognize allegations in litigation are not findings of wrongdoing, the issues raised appear similar to the conduct I am reporting and warrant serious review. Due to these unresolved concerns, I am maintaining my requested resolution : - Immediate dismissal of the alleged debt and closure of the account with a {$0.00} balance ; - Payment of {$1000.00} in statutory damages for alleged violations of consumer protection laws, if applicable ; - A full refund of payments made if the debt can not be properly validated or if collection authority was misrepresented ; - Written confirmation of account closure and cessation of collection efforts ; and - No further contact with my family or other third parties regarding this matter. I request that this complaint be escalated for immediate investigation and that a written response be provided addressing each issue raised above. Sincerely, XXXX

Company response to consumer: Closed with explanation