Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I was contacted by a company called XXXX on XX/XX/XXXX. They said many things that were presented in a way that was intended to confuse and frighten me. 

First when I called to return their call, they said that they were not the ones who contacted me although they left their own phone number multiple times. They said they were collecting for a company called Acima. 

I was confused and asked for help identifying the debt. I explained that I previously had an account with Acima that I paid in full. Then when covid started my children 's father contracted covid and as a result lost his XXXX resulting in a XXXX transplant followed by XXXX XXXX XXXX. This took a devastating toll on our family and in the midst of a multi-year journey to recovery, I lost track of some of the fall out. I explained that if there was something that fell through the cracks I would need help pinpointing it and would work out a plan to try and salvage it. 

They said : 1. We can not help you we were simply trying to locate you to notify you of the allegations against you. They said that it was XXXX XXXX XXXX who called me about the alleged debt to Acima. 

When they used language like allegations, I became frightened as it sounded like they were accusing me of a crime and asked for details. I was told that my " account was locked '' and that they needed to put me on hold to request unlocking to see if they could share any information. She placed me on hold for a brief moment and came back to say that " fortunately '' she was able to get it unlocked and could tell me how much money it was for stating that I now owed {$5200.00}. I asked if I could obtain copies of this debt information and they denied me this option stating that they are NOT A BILL COLLECTOR. 

XXXX. I was then transferred to another lady who said again that they are not a bill collector. This phrase was repeated multiple times during the call. The second lady even went on to say " we don't want anything from you but XXXX might be able to plead your case and stop the courts from coming after you '' The call was then transferred back to " XXXX '' who said this same thing over and over and then asked me XXXX wanted her to plead my case or not. They still refused to provide any documents or any proof that they were a real company. XXXX even told me that they do not have a website nor any way of being researched. 

She put me on hold to plead my case and came back to say " fortunately I was able to plead your case and provide a payment plan. You would need to make a payment of {$480.00} today and {$480.00} for the next ten months. But we will not provide you with any paperwork or documentation. You will not see our names on your bank statement but you will see our processing company, Sun Life, on your bank statement. There is no paperwork. '' I stated that I would need documentation. She then told me that I would need to contact Acima and then Acima would have me call up to XXXX collection agencies and then I would end up right back with them with no paperwork. They said that any paperwork they have is considered evidence against me and they would not provide it to me. 

They kept me on the phone for XXXX minutes. The call was a series of triangulation strategies and fear mongering that I have never experienced before and it was very frightening as well as intimidating. I told them that I had just paid all of my bills and only had {$130.00}. XXXX asked me to then pay that money to them again reiterating that there is no way to trace them, there is no paperwork and that Acima could not help me stop the allegations against me going so far to state that " it's not about the money, Acima wants you to be punished ''. 

This call left me in fear. My mother and father called later in the evening and said that they had received threatening calls at their home about me and my elderly aunt was also called demanding my whereabouts. 

I don't know what kind of tactics these are but I am certain it is illegal to terrorize and threaten people as well as deny any info and tell so many lies. 

Please help me.

Company response to consumer: Closed with explanation