CFPB · Faster timely-response band
Acima Credit, LLC
3.8K CFPB complaints · 99.9% timely (fast band) · top issue Incorrect information on your report.
Acima Credit, LLC answers 99.9% on time (upper third) across 3.8K filings. Relief 7.7% · top product Debt collection. Allegations, not findings.
- Faster timely-response band
- +2637.5% filings 2017 to 2026
CFPB relief outcome brief
CCDB company acima-credit-llc
7.7% relief · 99.9% timely · 3.8K filings · Debt collection
Same-product relief peers
Nearest relief peer: Credit Center, LLC (7.7% relief)
Acima Credit, LLC closes 7.7% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Acima Credit, LLC scores strongest on timely response (100/100 percentile-benchmarked) and weakest on relief provided (36/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
36 / 100 percentile-benchmarked
7.7% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
99.9% of complaints answered inside the CFPB 15-day window
Closed with explanation
85 / 100 percentile-benchmarked
92.1% of complaints closed with an explanation to the consumer
Most of Acima Credit, LLC's 3.8K filings include narrative text
47.5% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Acima Credit, LLC complaint mix by product
- Debt collection 1K 40.1% – 8% relief
- Credit reporting 770 21.0% – 7% relief
- Credit reporting, 655 17.8% – 4% relief
- Payday loan, 427 11.6% – 15% relief
- Payday loan, 224 6.1% – 6% relief
- Credit card 85 2.3% – 5% relief
- Vehicle loan 40 1.1% – 5% relief
How Acima Credit, LLC's 3.8K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 1.5K |
| Credit reporting or other personal consumer reports | 770 |
| Credit reporting, credit repair services, or other personal consumer reports | 655 |
| Payday loan, title loan, personal loan, or advance loan | 427 |
| Payday loan, title loan, or personal loan | 224 |
| Credit card | 85 |
| Vehicle loan or lease | 40 |
| Checking or savings account | 29 |
| Credit card or prepaid card | 22 |
| Debt or credit management | 18 |
| Money transfer, virtual currency, or money service | 7 |
| Mortgage | 2 |
| Consumer Loan | 2 |
Nationwide filing states for Acima Credit, LLC
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 15.3% of this company's filings
Acima Credit, LLC rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 438
- +2637.5% vs 2017
Volume vs. relief
Where Acima Credit, LLC sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Acima Credit, LLC files more complaint volume than 59% of them, and closes complaints with relief more often than 62% of them, placing it in the quadrant for high volume, above-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 3,752 · Closed with relief: 7.7%
Top States
| State | Complaints |
|---|---|
| TX | 573 |
| GA | 360 |
| CA | 357 |
| FL | 325 |
| NY | 243 |
| NC | 200 |
| PA | 163 |
| IL | 137 |
| MD | 116 |
| AZ | 104 |
| OH | 95 |
| TN | 92 |
| MI | 85 |
| SC | 76 |
| VA | 70 |
| MA | 64 |
| LA | 63 |
| IN | 61 |
| AL | 58 |
| NV | 55 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 734 |
| Attempts to collect debt not owed | 663 |
| Improper use of your report | 339 |
| Took or threatened to take negative or legal action | 309 |
| Charged fees or interest you didn't expect | 252 |
| Problem with a company's investigation into an existing problem | 212 |
| False statements or representation | 189 |
| Problem with a credit reporting company's investigation into an existing problem | 185 |
| Written notification about debt | 181 |
| Problem with the payoff process at the end of the loan | 113 |
| Problem when making payments | 97 |
| Communication tactics | 67 |
| Problem with additional add-on products or services | 47 |
| Getting the loan | 45 |
| Threatened to contact someone or share information improperly | 42 |
| Struggling to pay your loan | 36 |
| Problem with a lender or other company charging your account | 22 |
| Electronic communications | 19 |
| Credit monitoring or identity theft protection services | 19 |
| Problem with a purchase shown on your statement | 19 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2017 | 16 | 100% |
| 2018 | 51 | 100% |
| 2019 | 72 | 100% |
| 2020 | 184 | 100% |
| 2021 | 466 | 100% |
| 2022 | 400 | 100% |
| 2023 | 367 | 100% |
| 2024 | 710 | 99.7% |
| 2025 | 1.0K | 99.9% |
| 2026 | 438 | 99.5% |
Source: CFPB Consumer Complaint Database
Acima Credit, LLC in the faster-timely third
Acima Credit, LLC's 3,752 logged complaints reach a nationwide footprint - 52 states have at least one filing. 47.5% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2017 through 2026-06-25. Timely response 99.9% sits in the upper third of the corpus.
Acima Credit, LLC answers 99.9% of complaints inside the CFPB's tracked window (timely band: fast) and closes 7.7% with relief; 92.1% close with a written explanation. Consumers disputed 0% of responses after the company replied. Top product "Debt collection" · top issue "Incorrect information on your report."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Acima Credit, LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Acima Credit, LLC: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 3.8K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.9%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Acima Credit, LLC (#142 of 342; 99.9% timely; 7.7% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Faster timely-response band