What is the most common complaint against Acima Credit, LLC?

The most common issue consumers report about Acima Credit, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 1,476 complaints filed with the CFPB.

Are complaints against Acima Credit, LLC increasing or decreasing?

Complaints against Acima Credit, LLC are rising. The company received 532 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Acima Credit, LLC's reputation grade?

Acima Credit, LLC has a reputation grade of C (score: 58.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Acima Credit, LLC respond to consumer complaints?

Acima Credit, LLC has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Acima Credit, LLC operate?

Acima Credit, LLC has received CFPB complaints from consumers in 48 states, with the most complaints from Texas (234 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Acima Credit, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 48 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

666
Took or threatened to take negative or legal action

310
False statements or representation

188
Written notification about debt

182
Communication tactics

68
Threatened to contact someone or share information improperly

42

Data updated September 2026

CFPB complaint disposition

CCDB record acima-credit-llc Acima Credit, LLC

Grade C · 1,476 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #121 · compose #2560

VOL 1,476
GRADE C
12MO 532
STATES 48
TIMELY 100%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #121
COMPOSE #2,560

Volume peers

Nearest volume peer: Franklin Collection Service, Inc. (1,466 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Acima Credit, LLC's 1,476 CFPB complaints sit next to Franklin Collection Service, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Filing geometry

Texas is the plurality state for Acima Credit, LLC (15.9%)

Volume rank #121 and composite rank #2,560 diverge by 2,439 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Texas 15.9%; Mid-band (15–30%) · 48 states with ≥1 filing
Seasonal peak: 2026-01 8.3%; 8–15% band · 81 filings
Divergent corpus ranks: #121 volume; #2,560 composite; Cleanest-composite ladder is 2,439 places worse than volume

How does Acima Credit, LLC compare to its peers?

How does ACIMA CREDIT, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

ACIMA CREDIT, LLC National average

Complaints (last 12 mo)lower is better

532

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

25%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	666
Took or threatened to take negative or legal action	310
False statements or representation	188
Written notification about debt	182
Communication tactics	68
Threatened to contact someone or share information improperly	42
Electronic communications	19
Cont'd attempts collect debt not owed	1

Where do complaints against Acima Credit, LLC come from?

Acima Credit, LLC's own per-state count, not a national baseline.

Texas

234
Georgia

150
California

130
Florida

113
North Carolina

93
New York

86
Pennsylvania

72
Illinois

50

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Acima Credit, LLC: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 1,476.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 100%.

4 peers

Know your rights before responding to Acima Credit, LLC: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.