Debt collection
Acima debt collection complaints
Consumers have filed 1,574 complaints about Acima's debt collection, 423 in the last 12 months (0%). Acima answered 99.8% on time and closed 8% with relief. See the whole Acima record.
Acima against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Acima | 423 | 99.8% | 8% |
Latest Acima debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| May 8, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| May 8, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| May 8, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| May 8, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 6, 2026 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
| May 6, 2026 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| May 3, 2026 | Debt collection | False statements or representationImpersonated attorney, law enforcement, or government official | Explained |
| May 2, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 2, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 1, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| May 1, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Apr 30, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Apr 30, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 29, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Apr 29, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to arrest you or take you to jail if you do not pay | Explained |
| Apr 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 27, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Apr 27, 2026 | Debt collection | Threatened to contact someone or share information improperlyContacted your employer | Explained |
| Apr 27, 2026 | Debt collection | False statements or representationIndicated you were committing crime by not paying debt | Explained |
| Apr 27, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Apr 26, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Apr 24, 2026 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
| Apr 23, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 23, 2026 | Debt collection | Electronic communicationsContacted before 8am or after 9pm | Explained |
| Apr 22, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Apr 22, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Apr 21, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Apr 20, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Apr 20, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Apr 18, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
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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