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

CFPB complaint data Grade C 1,476 complaints

Acima Credit, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 48 states, reputation grade C.

Complaints by issue type

What consumers report about Acima Credit, LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 60.9/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: Acima Credit, LLC ranks ahead of 46% of the 5,283 collectors PlainCollector grades - 54% keep a cleaner CFPB record, on 1,476 all-time complaints and a 100% timely-response rate.

46th pct
reputation rank of 5,283 graded collectors
1,476
CFPB complaints, all-time
100%
answered inside the CFPB window
532
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Acima Credit, LLC?

Acima Credit, LLC has accumulated 1,476 total CFPB complaints across 48 states, with 532 filed in the most recent 12 months against 944 historical complaints before that window. The trailing-12-month volume represents 36.0% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 100% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 48 states, led by Texas with 234 and Georgia with 150. Normalized against the full CFPB collector database, the reputation score of 60.9/100 places Acima Credit, LLC in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

1,476

high-volume (CCDB)

Last 12 months

532

36.0% of all-time complaints

Rising ↑

States active

48

multi-region footprint

Timely response rate

100%

excellent band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

C

60.9/100 composite

How does Acima Credit, LLC's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

61 46th percentile higher than 46% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Acima Credit, LLC versus the debt-collection vertical average.

Timely response within SLA 100.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 0.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 85.7%

Share of US states + territories with at least one filed complaint against this collector.

How does Acima Credit, LLC compare to its peers?

How does ACIMA CREDIT, LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
ACIMA CREDIT, LLC National average
Complaints (last 12 mo)lower is better
532
80
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
0%
25%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against Acima Credit, LLC

Across 48 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Acima Credit, LLC contacts you

A grade of C signals how Acima Credit, LLC's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Acima Credit, LLC and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Acima Credit, LLC ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 60.9/100), 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).

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

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.