Total CFPB complaints
1,283
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 1,283 complaints
ACIMA CREDIT, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 47 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about ACIMA CREDIT, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
600 complaints
- Took or threatened to take negative or legal action 204
Took or threatened to take negative or legal action
204 complaints
- Written notification about debt 152
Written notification about debt
152 complaints
- False statements or representation 148
False statements or representation
148 complaints
- Communication tactics 29
Communication tactics
29 complaints
C
Grade C · 60.9/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about ACIMA CREDIT, LLC?
ACIMA CREDIT, LLC has accumulated 1,283 total CFPB complaints across 47 states, with 423 filed in the most recent 12 months against 860 historical complaints before that window. The trailing-12-month volume represents 33.0% 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", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 0% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 47 states, led by Texas with 204 and Georgia with 126, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 60.9/100 places ACIMA CREDIT, LLC in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
423
33.0% of total history
Rising ↑
States active
47
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
C
60.9/100 composite
Response-quality profile
How ACIMA CREDIT, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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 83.9%
Share of US states + territories with at least one filed complaint against this collector.
How does ACIMA CREDIT, LLC compare to its peers?
ACIMA CREDIT, LLC National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed600 (%)
False statements or representation148 (%)
Took or threatened to take negative or legal action204 (%)
Written notification about debt152 (%)
Communication tactics29 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 265 |
| Attempts to collect debt not owed | Debt was result of identity theft | 237 |
| False statements or representation | Attempted to collect wrong amount | 148 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 140 |
| Written notification about debt | Didn't receive enough information to verify debt | 101 |
| Attempts to collect debt not owed | Debt was paid | 98 |
| Written notification about debt | Didn't receive notice of right to dispute | 51 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 39 |
| Communication tactics | Frequent or repeated calls | 29 |
| Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | 25 |
Where do complaints against ACIMA CREDIT, LLC come from?
The states where consumers have filed the most CFPB complaints against ACIMA CREDIT, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against ACIMA CREDIT, LLC
Across 47 states with at least one filing
- Texas
Texas
204 complaints
- Georgia
Georgia
126 complaints
- California
California
122 complaints
- Florida
Florida
103 complaints
- New York
New York
83 complaints
- North Carolina 79
North Carolina
79 complaints
- Pennsylvania 62
Pennsylvania
62 complaints
- Illinois 44
Illinois
44 complaints
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 1,283 complaints filed with the CFPB.
Are complaints against ACIMA CREDIT, LLC increasing or decreasing? ▼
Complaints against ACIMA CREDIT, LLC are rising. The company received 423 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). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 47 states, with the most complaints from Texas (204 complaints).
What can I do if ACIMA CREDIT, LLC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If ACIMA CREDIT, LLC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |