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 |
|---|---|---|---|
| Mar 12, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 12, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 11, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Mar 10, 2026 | Debt collection | Took or threatened to take negative or legal actionSued you in a state where you do not live or did not sign for the debt | Explained |
| Mar 10, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Mar 10, 2026 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Mar 8, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Mar 6, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Mar 5, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Mar 5, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Mar 5, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Mar 4, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 4, 2026 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Mar 3, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Fixed |
| Mar 3, 2026 | Debt collection | False statements or representationIndicated you were committing crime by not paying debt | Explained |
| Mar 2, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Mar 1, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Feb 28, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Feb 28, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Feb 27, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 26, 2026 | Debt collection | Electronic communicationsYou told them to stop contacting you, but they keep trying | Explained |
| Feb 25, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Feb 24, 2026 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Feb 23, 2026 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
| Feb 23, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 23, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Feb 23, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Feb 22, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Feb 19, 2026 | Debt collection | Written notification about debtNotification didn't disclose it was an attempt to collect a debt | Explained |
| Feb 19, 2026 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Explained |
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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