Complaints

This profile includes complaints for Acima's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Acima

  PO Box 1667 Draper, UT 84020-1667

  
• 

  Acima

  13907 Minuteman Dr 5th Floor Draper, UT 84020

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:06/16/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  LEASE: ******** I was advised from a representative (***** *****) of this company to sign my documents on my phone. She promised that I had full flexibility on the website or app to make changes. Payments should have been taken out automatically "monthly". As I was going through the documentation...I advised her that it said "bi-weekly" and that is NOT want I wanted to do. She adamantly said "this is just to sign the paperwork" and that she already entered in "monthly" on her computer for my payments. She blatantly lied. Im sure I am not the only person she has done this to. Ever since that moment... I have been trying to contact ANYONE at this company because they are charging me constantly every 2 weeks. YOU CANNOT GET ANYONE ON THE PHONE. The line that is dialed will disconnect automatically each and every time. I called to end the loan via early buyout and discuss late payments that accrued "unfairly" since you cannot reach anyone at this company. They are still charging me, Its TRULY IMPOSSIBLE reach anyone to assist. THIS IS PREDATORY. I never agreed to biweekly payments. Somehow they have me as over 741.52 past due???!! They say I have paid 1498.00 so far... I could have paid this off but thats the trick...they do not allow it.I DO NOT OWE THAT AMOUNT* ****I WAS NOT ALLOWED TO TAKE ADVANTAGE OF THE EARLY PAYOFF PRICE**** They are using predatory tactics with Acceptance Now and they need to be stopped! I WANT OUT!! They are Predatory and I am willing to file a lawsuit because all this phone number does is "hang up" the phone and ZERO contact can be made. ***The number that is being dialed ************ | M-F 6AM -7pm MT*** ***No matter what time anyone calls this number will disconnect the call***

  

  Business Response

  Date: 06/18/2025

  Acima Leasing (hereinafter “we,” “us,” “our”) received the complaint filed by Ms. ******** ***** through the Better Business Bureau (“BBB”) on June 16, 2025, regarding her payment frequency and her experience with an Acima Leasing “representative.”  
  Acima Leasing reached out to Ms. ***** directly by phone and reached a resolution. As such, we consider this complaint closed.   
  
  If Ms. ***** has further questions she may contact us at (**** ******** with further questions. 

• Initial Complaint

  Date:06/11/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company is a scam. I have been trying to make payments for the last couple of weeks and I have been unsuccessful with the site and I'm successful with giving anyone for customer service. My 90-day same is cash is coming to an end and I will like to have this page so that I won't have to the excessive amount of interest. I like for someone to give me a call in time enough for me to meet the 90-day same as cash I would also like for the late fees to be removed from my account as I have been trying to pay this bill for a long while now

  

  Business Response

  Date: 06/20/2025

  Acima Leasing (hereinafter “we,” “us,” “our”) received the complaint filed by Ms. ****** ******* through the Better Business Bureau (“BBB”) on June 11, 2025, regarding her lease amounts. We investigated her complaint and provide the following response. 
  
  Acima Leasing does not use or promote the term “same as cash,” this is confirmed on the first page of the Agreement that was presented to her prior to signing. Noted on the face page of the Agreement it is stated, “The Agreement includes a 90 day Early Purchase Option. This Early Purchase Option may be an amount greater than the retailer’s sale price and not “same as cash.” We confirm that Ms. ********* 90 day Early Purchase Option expires on July 4, 2025. 
  
  We confirm that our recovery department has tried to reach out to Ms. ******* via phone call. There was a problem with the phone number we have on file for Ms. *******. They also reached out to her via email. 
  
  If Ms. ******* has any questions or would like to verify the phone number we have for her is correct, we encourage her to contact our customer service department at ***** ********* Ms. ******* may also chat in with our customer service department via the chat feature on *************. Finally, we note that Ms. ******* may also elect to make payments, including exercising her first early purchase option by logging into the Acima Leasing customer portal located at **************************. 

  Customer Answer

  Date: 06/23/2025

  
  Complaint: 23456668
  
  I am rejecting this response. Please confirm the phone number being called. 

  
  Sincerely,
  
  ****** *******

  

  Business Response

  Date: 06/24/2025

  We confirm that the number that we are calling out to is ************. 

  Customer Answer

  Date: 06/24/2025

  
  Complaint: 23456668
  
  I am rejecting this response because I tried to pay my total balance and the site wasn't working and now suddenly it works when i try yo

  
  Sincerely,
  
  ****** *******

  

  Business Response

  Date: 06/26/2025

  As Ms. ********* complaint contains no additional call to action, this matter is closed. 

• Initial Complaint

  Date:06/11/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to formally dispute the account referenced under account number ********* that appears on my ********************** report. This account was opened without my authorization and constitutes fraudulent activity. I have no recollection of applying for or consenting to any agreement with ACIMA DIGITAL FKA SIMP Under 15 USC 1692g (Validation of Debts), you are required to provide verification of the debt or a copy of the judgment if I notify you in writing within *************************************************** documentation proving that I consented to this account. Without a valid, legally binding agreement bearing my signature, there is no basis for this account to exist under my name.Since this account was established fraudulently, I request its immediate removal from my credit report and that any collection activity cease. If you cannot provide proper validation within 30 days, you are required to delete this account from my record and stop further collection efforts.Please confirm receipt of this letter and notify me of the next steps to resolve this matter.

  

  Business Response

  Date: 06/13/2025

  Acima Leasing (hereinafter we, us, our") received the complaint filed by Mr. ****** ****** through the Better Business Bureau (the BBB) on June 11, 2025. We investigated his complaint and provide the following response. 
  
  Acima Leasing takes fraud allegations very seriously. We kindly request Mr. ****** file a police report and provide us with a full and complete copy of the same to ******************************* Alternatively, Mr. ****** may provide us with a ************************ Identity Theft Affidavit (FTC Affidavit) Upon receipt of the requested documentation, we will further investigate his allegation. If it is determined that this lease is, in fact fraudulent, we will take all necessary action. No further action will be taken while we await additional documentation. Absent proof of fraud, Mr. ****** remains responsible for the Agreement and the past-due rent amount. 
  
  As we are awaiting the necessary documentation, we consider this complaint closed. If Mr. ****** has further questions, he may contact our customer service department at **************. 

• Initial Complaint

  Date:06/06/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a email from Acima on June 4 about an application they received, which l never submitted any application to this company. I called them and spoke to a representative, l told them l received an email in relation to an application l never submitted, the representative asked me my full Name, my telephone number and last 4 of my Social Security Number, l asked them what company submitted this application as l did not, the representative told me to hold, then he came back and said send a email, l told him you already asked me for my information to verify me, l asked him who submitted this application as l never did who was the company, they refused l repeat they refused to tell me. I am filing this complaint for your agency to contact the company so l can get to the bottom of this if someone is using my name or information to gain something.

  

  Business Response

  Date: 06/10/2025

  Acima Leasing (hereinafter “we,” “us,” “our”) received the complaint filed by Ms. ***** ***** through the Better Business Bureau (the “BBB”) on June 6, 2025. We investigated their complaint and prepared the following response.  
  
  Acima Leasing takes fraud allegations very seriously. We kindly request Ms. ***** file a police report and provide us with a full and complete copy of the same to ***************. Alternatively, Ms. ***** may provide us with a Federal Trade Commission Identity Theft Affidavit (“FTC Affidavit”) Upon receipt of the requested documentation, we will further investigate her allegation. If it is determined that this lease is, in fact fraudulent, we will take all necessary action. No further action will be taken while we await additional documentation. Absent proof of fraud, Ms. ***** remains responsible for the Agreement and the past-due rent amount. 
  
  If Ms. ***** has any questions or would like to aid us in locating the lease associated with her information, we encourage her to contact our customer service department at ***** ********. 

  Customer Answer

  Date: 06/11/2025

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID 23433384, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***** *****

• Initial Complaint

  Date:06/05/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased furniture from Bobs and the payoff price keeps going up $59.00 and when I call customer service in Utah you are re-routed to the store you purchased the items and they have no answer for why I get this charge and when I ask why I have unpaid fees they have no answer. They are making this impossible to pay off purposely to get this lease to go to full term. They need to be investigated and shut down, They are running a scam.

  

  Business Response

  Date: 06/10/2025

  Acima Leasing (hereinafter “we,” “us,” “our”) received the complaint filed by Mr. ******* **** through the Better Business Bureau (“BBB”) on April 4, 2025, regarding his lease amounts. We investigated his complaint and provide the following response. 
  
  On September 17, 2024, Mr. **** went to an independent third-party retailer – Bob’s Discount Furniture (the “Retailer”). While there, he applied and was approved for our leasing services. On that same date, Mr. **** selected furniture (the “Property”). Acima Leasing purchased the Property, and Mr. **** electronically entered into a rental-purchase agreement (the “Agreement”) wherein they agreed to rent the Property from Acima Leasing. Pursuant to the Agreement, to obtain ownership of the Property Mr. **** could elect to make 39 bi-weekly rent renewal payments of $118.33 before tax, plus an initial rent payment of $49.00 before tax, for a total of $4,713.82 (the “Total of Payments”) before tax. Alternatively, he could execute any other early purchase options or termination option outlined within the Agreement. Mr. **** did not exercise his first early payment option, nor has he utilized the termination option by returning the Property to Acima Leasing.  
  
  The Second Early Purchase Option (“SEPO”) stipulates a customer may obtain ownership at any point after the first 120 days, by paying a lump sum payment equivalent to 65% of any remaining renewal payments plus any past-due rent. This means, that as rental-renewal payments become due during the lease term, the proportion of the remaining payments subject to the SEPO decreases, as the due payments are excluded. This option is still available to Mr. **** and will be until the last rent-renewal payment is due. 
  While Mr. **** alleges he has a purchase price that “keeps going up $59.00,” we confirm we reviewed his lease and note that any changes to the purchase price would potentially be due to time elapsing, as the SEPO may change as described above. However, we note that his purchase amount has not increased, but has decreased as he has made regular rent renewal payments. As Mr. **** indicates he has had difficulty reaching an agent, we will attempt calling him directly to assist with any additional questions he may have.  
  We hope this explanation helps Mr. **** understand the payment totals as stated in the rental purchase Agreement and the payoff terms therein. If Mr. **** wishes to utilize the purchase options that are available to him or make up his past-due balance, we encourage him to contact our customer service department at ***** ********. 

  Customer Answer

  Date: 06/11/2025

  
  Complaint: 23432337
  
  I am rejecting this response because:

  Based on this if I Pay 65% of the payoff balance which is $1116.40, that would make a payoff of $725.25 + tax would make the payoff $783.27.

  The Second Early Purchase Option (“SEPO”) stipulates a customer may obtain ownership at any point after the first 120 days, by paying a lump sum payment equivalent to 65% of any remaining renewal payments plus any past-due rent. This means, that as rental-renewal payments become due during the lease term, the proportion of the remaining payments subject to the SEPO decreases, as the due payments are excluded. This option is still available to Mr. **** and will be until the last rent-renewal payment is due.

  I am willing to pay in one payment on July 3rd, 2025 $783.27

  
  Sincerely,
  
  ******* ****

  

  Business Response

  Date: 06/13/2025

  Acima Leasing received the rejection filed by Mr. **** through the Better Business Bureau on June 12, 2025. We note we attempted to reach out to Mr. **** directly, but were unable to get in contact with him.  
  
  To clarify, as of today’s writing, if Mr. **** continued his regular rent renewal payment schedule, he would pay a total of $2,477.18 before tax. He may purchase his lease today for the second Early Purchase Option, by making a lump sum payment totaling $1,116.41 before tax. As indicated in our prior response, this amount is subject to change. We encourage Mr. **** to access the Acima Leasing customer portal at ************************** to view the current purchase options available to him. An additional discount is unavailable, as proposed by Mr. ****.  
  
  Mr. **** may contact our customer service department at (801) 297-1986 with further questions.  

  Customer Answer

  Date: 06/16/2025

  
  Complaint: 23432337
  
  I am rejecting this response:. If they remove the three (3) $59.00 dollar payments totaling $177.00 that they added to my payoff amount I will be happy 

  
  
  Sincerely,
  
  ******* ****

  

  Business Response

  Date: 06/17/2025

  Mr. **** requests the removal of $177.00 in lease cost. We reviewed this request and have elected to grant it. To assist, we applied rent credit of $177.00 towards Mr. ****’s lease. This means the amount of $177.00 is considered as paid on his lease, Mr. **** can log into his Acima Leasing customer portal at ************************** and this credit will be reflected in his payment history.  
  Mr. **** may contact our customer service department at ***** ******** with further questions.  

  Customer Answer

  Date: 06/17/2025

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID 23432337, and find that this resolution is satisfactory to me. Thank you.
  
  Sincerely,
  
  ******* ****

• Initial Complaint

  Date:06/05/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I overpayed way to much for items I got on credit and made more than enough payments to cover the cost of items that I should now own but acima is still trying to charge me $500.00 that is outrageous and terrible customer service.

  

  Business Response

  Date: 06/09/2025

  Acima Leasing (hereinafter “we,” “us,” “our”) received the complaint filed by Mr. **** ********* through the Better Business Bureau (“BBB”) on June 5, 2025, regarding his lease amounts. We investigated his complaint and provide the following response. 
  
  On February 27, 2025, Mr. ********* went to an independent third-party retailer’s website – Best Buy (the “Retailer”). While on the Retailer’s website, he applied and was approved for our leasing services. On that same date, Mr. ********* selected a Microsoft - Xbox Series X 1TB Console - Carbon Black Microsoft - Elite Series 2 Wireless Controller for Xbox One, Xbox Series X, and Xbox Series S - Black Turtle Beach - Stealth™ 700 Gen 3 Wireless Amplified Gaming Headset for Xbox Series X|S, Xbox One, PC, PS5, & Mobile with 80-Hr Battery - Black Sales Tax Shipping Charges Discount (the “Property”). Acima Leasing purchased the Property, and Mr. ********* electronically entered into a rental-purchase agreement (the “Agreement”) wherein they agreed to rent the Property from Acima Leasing. Pursuant to the Agreement, to obtain ownership of the Property Mr. ********* could elect to make 12 monthly rent renewal payments of $72.33 before tax, plus an initial rent payment of $10.00 before tax, for a total of $1880.55 (the “Total of Payments”) before tax. Alternatively, he could execute any other early purchase options or termination option outlined within the Agreement. Mr. ********* did not exercise his first early payment option, nor has he utilized the termination option by returning the Property to Acima Leasing. 
  
  We confirm Mr. ********* elected to utilize our services, and agreed to the terms and conditions, including all purchase options contained therein. As of today’s writing, Mr. *********’s lease is 73 days delinquent and has a past due rental renewal amount of $468.31 before tax. Moreover, the only payments Mr. ********* has made is the $10.00 initial rent payment and two-one time payments totaling $112.33 before tax. 
  
  We note Mr. ********* applied directly for Acima Leasing’s services via our website. Acima Leasing provided clear disclosures at the time of application, including a pop-up which explicitly states that we offer a leasing program and provides a calculator for customers to estimate the cost of leasing. To sign the lease, Mr. ********* was sent a text message to the phone number on his application, which provided a link. Upon clicking the link, Mr. ********* was provided a breakdown of the costs of leasing, including the Total of Payments, his rent renewal payment amounts and frequency, as well as the first early-purchase option amount. Mr. ********* was then provided a full copy of the Agreement and encouraged to review it prior to signing. Subsequently we have emailed Mr. ********* several reminders, including a welcome email and first early-purchase reminder email, which also includes key information regarding his lease terms and how to utilize the first early-purchase option. It was Mr. *********’s responsibility to review the Agreement prior to signing, and review the communications provided to him. 
  
  As a courtesy to our customers, we offer two Early Purchase Options (“EPOs”); each of which reduces the cost of ownership and terminates the Agreement earlier than the rental period contained within. The first EPO is a 90-day EPO wherein Mr. ********* may obtain ownership for less than the Total of Payments. The 90-day EPO expires on May 31, 2025, and the lease is continuing for the agreed-upon terms. The second EPO stipulates that Mr. ********* can obtain ownership at any point after the first 90 days by paying a lump sum payment equivalent to 65% of any remaining rent renewal payments. This option is available to Mr. ********* and will be until the end of the lease rental period.  Please note, the expiration of Mr. *********’s first 90-Day EPO does not constitute an increase to his payment obligations. It simply means this option would be no longer available. The Total of Payments as well as all other terms and conditions were set forth at the initiation of the Agreement, and have not and will not change. 
  
  If Mr. ********* has any questions regarding the purchase or return options available, he may contact our customer service department at ************.

• Initial Complaint

  Date:06/03/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Call customer 2 months ago concerning money being drafted from my account more than agreed upon. Called customer service and requested a print out be mailed related to all payments. They stated no they could not and to check the portal. Explained to them portal was not correct and that it was still showing money owed for a monthly payment that was already processed. When stated that my lease states that I can request a physical copy they stated no they could not do that and told me to go back to the portal. Expressed again that them not providing a statement was a breach in my contract which clearly stated that I was entailed to have a print out. They then told me to send my bank statement so they could compare. I told them I wanted to make sure it was correct and they still denied to send me the print out.

  

  Business Response

  Date: 06/09/2025

  Acima Leasing (hereinafter “we,” “us,” “our”) received the complaint filed by Ms. ****** **** through the Better Business Bureau (“BBB”) on June 3, 2025, regarding her lease amounts. We investigated her complaint and provide the following response. 
  
  We confirm that on January 17, 2025, Ms. **** enrolled herself in a catch up plan via our online customer portal, to make up a missed payment. We note Ms. **** spoke with us directly on June 3, 2025, alleging that the payments reflected on the Acima Leasing customer portal do not match her bank statement. We requested a copy of her bank statement so we could review any potential discrepancies, but Ms. **** refused to provide this information. In order to properly investigate Ms. ****’s concerns we need her to submit a copy of her bank statements to [email protected]. Upon receipt of the requested documentation, we will further investigate her allegation. If it is confirmed that there is a discrepancy then we will take all necessary action. No further action will be taken while we await additional documentation. Ms. **** may also call our customer service department directly at ***** ********.

• Initial Complaint

  Date:05/28/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They are committing fraud by saying I’m verbally authorizing them to take money out my account and I never gave them authorization. If I took money out of a store and said they gave me authorization and they didn’t what would happen? It’s a crime clearly they are committing by saying I gave them verbal authorization and I didn’t. That’s a crime

  

  Business Response

  Date: 06/05/2025

  Acima Leasing (hereinafter “us,” “we,” “our” received the complaint filed by Mr. *** **** through the Better Business Bureau (“BBB”) on May 28, 2025. We reviewed his complaint and prepared the following response. 
  We were unable to locate a lease in our system matching the identifying information that Mr. **** provided in his complaint. Mr. **** may contact our customer service department by phone at (**** ******** if he has any questions, or if he would like to assist our agents in attempting to locate a lease associated with his information. 

• Initial Complaint

  Date:05/27/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to formally dispute the account referenced under account number ********* that appears on my credit report. This account was opened without my authorization and constitutes fraudulent activity. I have no recollection of applying for or consenting to any agreement with ACIMA DIGITAL FKA SIMP Under 15 USC 1692g (Validation of Debts), you are required to provide verification of the debt or a copy of the judgment if I notify you in writing within 30 days. I have not received any signed contract or documentation proving that I consented to this account. Without a valid, legally binding agreement bearing my signature, there is no basis for this account to exist under my name. Since this account was established fraudulently, I request its immediate removal from my credit report and that any collection activity cease. If you cannot provide proper validation within 30 days, you are required to delete this account from my record and stop further collection efforts. Please confirm receipt of this letter and notify me of the next steps to resolve this matter.

  

  Business Response

  Date: 06/02/2025

  Acima Leasing (hereinafter “we,” “us,” “our") received the complaint filed by Mr. ***** ****** through the Better Business Bureau (the “BBB”) on May 27, 2025. We investigated his complaint and provide the following response. 
  
  Acima Leasing takes fraud allegations very seriously. We conducted a preliminary investigation and were unable to determine whether the lease associated with Mr. ****** information was a result of fraud. We kindly request Mr. ****** file a police report and provide us with a full and complete copy of the same to ***************. Alternatively, Mr. ****** may provide us with a Federal Trade Commission Identity Theft Affidavit (“FTC Affidavit”). Upon receipt of the requested documentation, we will further investigate his allegation. If it is determined that this lease is, in fact fraudulent, we will take all necessary action. No further action will be taken while we await additional documentation. Absent proof of fraud, Mr. ****** remains responsible for the agreement and the past-due rent amount. 
  
  Mr. ****** may send the requested documents and direct any questions to ***************. 

• Initial Complaint

  Date:05/27/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to formally dispute the account referenced under account number ********* that appears on my ********************** report. This account was opened without my authorization and constitutes fraudulent activity. I have no recollection of applying for or consenting to any agreement with ACIMA DIGITAL FKA SIMP Under 15 USC 1692g (Validation of Debts), you are required to provide verification of the debt or a copy of the judgment if I notify you in writing within *************************************************** documentation proving that I consented to this account. Without a valid, legally binding agreement bearing my signature, there is no basis for this account to exist under my name.Since this account was established fraudulently, I request its immediate removal from my credit report and that any collection activity cease. If you cannot provide proper validation within 30 days, you are required to delete this account from my record and stop further collection efforts.Please confirm receipt of this letter and notify me of the next steps to resolve this matter.

  

  Business Response

  Date: 05/30/2025

  Acima Leasing (hereinafter we, us, our") received the complaint filed by Ms. ****** ******** through the Better Business Bureau (the BBB) on May 25, 2025. We investigated her complaint and were unable to locate a lease in Ms. ********* name. Nevertheless, we provide the following response. 
  
  Acima Leasing takes fraud allegations very seriously. We kindly request Ms. ******** file a police report and provide us with a full and complete copy of the same to ******************************* Alternatively, Ms. ************** may provide us with a ************************ Identity Theft Affidavit (FTC Affidavit) Upon receipt of the requested documentation, we will further investigate her allegation. If it is determined that the lease in question is, in fact fraudulent, we will take all necessary action. No further action will be taken while we await additional documentation.  
  
  Ms. ******** *** send the requested documents and direct any questions to *******************************