Debt collector · complaint record
Acima complaints
Filed under ACIMA CREDIT, LLC
Consumers have filed 3,987 complaints about Acima since 2017, 820 of them in the last 12 months (-19% on the year before). It answered 99.6% on time and closed 11% with relief for the customer - less often than a typical debt collector. The most common problem is took or threatened to take negative or legal action.
Good response record. How it works
- Complaints on record
- 3,987
- Last 12 months
- 820
- Answered on time
- 99.6%
- Closed with relief
- 11%
- Last 30 days
- 42
- Rank
- #57 of 1,963
Since March 2017
-19% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Nov 12, 2026
Most complained-about debt collectors
Acima complaints by month
The busiest month was January 2025 (152 complaints). Complaints in the last 12 months are down 19% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Acima answered last 12 months
- Closed with monetary relief263.2%
- Closed with non-monetary relief637.7%
- Closed with explanation73089%
- In progress10.1%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time43/4599.6% on time
- Relief for customers9/4010.9% closed with relief
- Complaint trend15/15-19% vs last year
What Acima complaints are about
Top Acima problems last 12 months
Inside "Took or threatened to take negative or legal action"
- Threatened or suggested your credit would be damaged 172
- Threatened to sue you for very old debt 91
- Threatened to arrest you or take you to jail if you do not pay 32
- Sued you without properly notifying you of lawsuit 26
- Seized or attempted to seize your property 9
- Collected or attempted to collect exempt funds 4
Where Acima complaints come from
Most complaints: Texas (611), Georgia (371), California (370), Florida (342), New York (269).
Acima compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Credit Systems InternationalDebt collection | 52 | 877 | C |
| 2 | TekCollectDebt collection | 55 | 872 | C |
| 3 | SezzleDebt collection | 45 | 845 | D |
| 4 | AcimaDebt collection | 67 | 820 | B |
| 5 | Bull City Financial SolutionsDebt collection | 51 | 810 | C |
| 6 | Opportunity FinancialDebt collection | 54 | 778 | C |
| 7 | Monterey Financial ServicesDebt collection | 52 | 774 | C |
| 8 | Debt Recovery SolutionsDebt collection | 48 | 728 | D |
Compare side by side: Acima vs Credit Systems International · Acima vs TekCollect · Acima vs Sezzle · Acima vs Bull City Financial Solutions
What people say about Acima
All experiencesNo experiences with Acima yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Acima complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 12, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Nov 12, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Nov 11, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 10, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Nov 7, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Nov 6, 2026 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Nov 6, 2026 | Payday & personal loans | Charged fees or interest you didn't expect | Explained |
| Nov 6, 2026 | Auto loans & leases | Incorrect information on your reportAccount information incorrect | Explained |
| Nov 6, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 5, 2026 | Payday & personal loans | Charged fees or interest you didn't expect | Explained |
| Nov 5, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Nov 5, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
Questions about Acima
How many complaints does Acima have?
Acima has 3,987 complaints on record since March 2017, including 820 in the last 12 months and 42 in the last 30 days. That makes it number 148 of every company by complaints this year.
Does Acima respond to complaints?
Yes. Acima answered 99.6% of its complaints on time (within 15 days) and closed 11% with relief - money back or a fix; 3.2% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 67/100 (grade B).
What do people complain about most with Acima?
The most common problems are took or threatened to take negative or legal action (335), attempts to collect debt not owed (704), incorrect information on your report (759).
Is Acima legit?
Acima is a real company with a public complaint record: consumers have complained about it 3,987 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Acima legit? for the signals, red flags and how to protect yourself.
Are complaints about Acima going up or down?
Down. There were 820 complaints in the last 12 months against 1,011 in the 12 before (-19%). See every month.
How do I file a complaint against Acima?
Complain to Acima in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Acima complaints come from?
Most come from Texas (611), Georgia (371), California (370). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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