Debt collection
Acima Credit: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 151
- Closed with money back
- 2%
- 2023 to 2025
- 35 to 71
Servicemembers filed 7.1% of Acima Credit's 2,125 complaints in the window, against 2.5% across the directory. The complaints are mostly about debt collection, and the single most common issue is "Charged fees or interest you didn't expect". 2% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 35 in 2023 to 71 in 2025.
What the complaints are about
By product
| Debt collection | 55 |
| Payday loan, title loan, personal loan, or advance loan | 41 |
| Credit reporting or other personal consumer reports | 34 |
| Credit reporting, credit repair services, or other personal consumer reports | 9 |
| Payday loan, title loan, or personal loan | 4 |
By issue
| Charged fees or interest you didn't expect | 26 |
| Attempts to collect debt not owed | 22 |
| Incorrect information on your report | 19 |
| Took or threatened to take negative or legal action | 16 |
| Improper use of your report | 13 |
| 2023: 35 | 2024: 45 | 2025: 71 |
Which accounts, specifically
| Credit reporting | 45 |
| Installment loan | 41 |
| I do not know | 25 |
| Other debt | 24 |
| Personal line of credit | 6 |
What went wrong, specifically
| Their investigation did not fix an error on your report | 15 |
| Reporting company used your report improperly | 11 |
| Debt is not yours | 11 |
| Attempted to collect wrong amount | 7 |
| Debt was result of identity theft | 6 |
Busiest month: January 2025, with 12 servicemember complaints. Most were submitted by web.
Most complaints came from TX (23), GA (21), MD (14) , then FL, CA, NC.
How Acima Credit answered
| Closed with explanation | 132 | 87% |
| Closed with non-monetary relief | 16 | 11% |
| Closed with monetary relief | 3 | 2% |
Acima Credit responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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""
Debt or credit management; Confusing or missing disclosures. IN, 2024-08-31. Outcome: Closed with monetary relief. Complaint 9976263
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Payday loan, title loan, personal loan, or advance loan; Problem when making payments. TX, 2024-08-29. Outcome: Closed with explanation. Complaint 9954662
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Credit reporting or other personal consumer reports; Incorrect information on your report. GA, 2024-08-27. Outcome: Closed with explanation. Complaint 9944536
If this is your problem at Acima Credit
"Charged fees or interest you didn't expect" is the kind of dispute the SCRA's 6% cap settles for pre-service debt: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with debt collection peers
- Credit Control 150 servicemember complaints; 0% with money back
- Source Receivables Management 147 servicemember complaints; 0% with money back
- Zions Debt 141 servicemember complaints; 0% with money back
- Aldous & Associates 163 servicemember complaints; 0% with money back
- Harris & Harris 137 servicemember complaints; 0% with money back
Next in the directory by volume: John C. Heath, Attorney at Law, CashRepublic.
Frequently asked questions
How many complaints did servicemembers file against Acima Credit?
151 complaints tagged servicemember were received by the CFPB about ACIMA CREDIT, LLC between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 35 in 2023 to 71 in 2025.
What do servicemembers complain about most at Acima Credit?
Debt collection accounts for 55 of the 151 complaints, and the most common issue is "Charged fees or interest you didn't expect" (26). Next: "Attempts to collect debt not owed" (22).
Does Acima Credit give money back when a servicemember complains?
2% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 16 closed with non-monetary relief and 132 closed with an explanation only. Acima Credit answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.