Debt collection -- Attempts to collect debt not owed -- Complaint #6696269
Complaint Overview
Complaint ID: 6696269
Company: Acima Credit, LLC
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: California
ZIP Code: 93063
Date Received: 2023-03-14T12:00:00-05:00
Date Sent to Company: 2023-03-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Cfpb, I am writing to inform you that ACIMA DIGITAL FKA SIMP debt collection practices are in violation of several laws, including the Fair Debt Collection Practices Act ( FDCPA ) and California state laws. Firstly, ACIMA DIGITAL FKA SIMP agency has engaged in false representation by misrepresenting the amount of debt I owe, threatening to take legal action that you can not legally take, and using deceptive tactics to intimidate and coerce me into paying. This is a clear violation of the FDCPA, which prohibits debt collectors from making false or misleading statements in an attempt to collect a debt. Secondly, ACIMA DIGITAL FKA SIMP agency has threatened to sue me in a non-home state, which is also a violation of the FDCPA. The law prohibits debt collectors from threatening legal action that they can not legally take, and from initiating legal proceedings in a jurisdiction that is inconvenient for the consumer. Finally, ACIMA DIGITAL FKA SIMP agency has violated California state law restrictions on debt buying and selling. The law requires debt buyers to be licensed by the state and places restrictions on the types of debts that can be bought and sold. It appears that your agency has purchased my debt in violation of these regulations. As well as threatening to illegally seize property. I demand that you immediately cease all collection efforts and remove any negative information from my credit report. Failure to comply with these demands will result in legal action being taken against your agency. Please be advised that I am aware of my rights under the FDCPA and California state law, and I will not hesitate to take legal action if necessary to protect those rights. Sincerely, XXXX
Frequently Asked Questions
What is Complaint #6696269 about?
Complaint #6696269 was filed against Acima Credit, LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2023-03-14T12:00:00-05:00.
How did Acima Credit, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Acima Credit, LLC?
Yes, visit the Acima Credit, LLC company profile at readthecomplaint.com/company/acima-credit-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.