ComplaintsforWorld Acceptance Corporation

• Initial Complaint

  11/14/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am deeply concerned about the sharing of my nonpublic information with credit bureaus and the resulting inaccuracies on my credit report. This situation has caused significant financial and emotional distress. Under 15 USC 1681 Section 602, I have the right to financial privacy, and I expect my information to remain confidential. Furthermore, 15 USC 1681 Section 604(a)(2) states that a consumer reporting agency cannot furnish account information without my written instructions, which I have not provided. I have identified inaccuracies on my credit report from ***** ***, impacting my financial well-being. I request these inaccuracies be corrected promptly. Lastly, please remember 15 USC 1666(b), which prohibits treating payments on a credit card account as late under certain circumstances. For reference, my account details are as follows: Account Number: *********** I request a thorough review of my account, prompt correction of credit report inaccuracies, and strict adherence to federal laws regarding my information. Failure to address these issues may compel further legal action. I anticipate your prompt response and resolution to these concerns. Thank you for your immediate attention to this matter. Sincerely, Renee Edmondson

  Business response

  12/04/2023

  November 22, 2023
  
  Cindy R*****
  Better Business Bureau
  408 North Church Street, Ste C
  Greenville SC 29601
  
  Re: World Finance Corporation of Tennessee (“World”)
  Consumer: ***** *********
  Complaint ID: ********
  
  Dear Ms. R*****:
  
  This letter is in response to the above-referenced complaint filed with your office on November 14, 2023, and
  received by our office on November 14, 2023.
  
  In Ms. ********** complaint, she stated that World is furnishing information to the credit reporting agencies
  ("Agencies") without her written instructions and that the information furnished is inaccurate. Ms. *********
  further states she wants account information corrected on her credit reports.
  
  Although Ms. ******** did not provide specifics on what the inaccuracies are, a review of her account was
  conducted. Ms. ********* obtained his closed-end installment account from our Johnson City, TN office on
  June 3, 2017, in the amount of $432.00 and agreed to repay it in (6) monthly installments of $72.00 beginning
  July 3, 2017. No payments were made on the account. The date of first delinquency is listed as September 30,
  2017. Due to lack of payment, the account charged off on February 20, 2018. Ms. *********’s Account was
  sold to Recovery Management Solutions, LLC on December 12, 2022. Although World is no longer the Account
  owner and is no longer furnishing Account information, the account information previously furnished by World
  will remain on Ms. *********’s credit reports through September 2024.
  
  Attached are copies of the loan information, including payment history, loan balance and loan status from
  each of the Agencies. For easy reference the payment information, balance, and status information for the
  loan is highlighted.
  
  World is not an Agency and does not publish credit reports. World does not offer open-end accounts or
  credit cards but does offer closed-end installment accounts. World furnishes information about those
  accounts to the Agencies per the Fair Credit Reporting Act.
  
  As World is no longer the owner of the account, all communications regarding this account should be directed
  to:
  
  Customer Inquiries:
  Recovery Management Solutions LLC
  *** ****** ** ************ ** ***** **************
  
  Sincerely,
  Compliance Department
  World Acceptance Corporation
  

• Initial Complaint

  11/13/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This business has consistently ignored my issues and does not process my payments on-time or automatically like requested. This business does not contact me when and if there is an issue with billing or issue with my account. This business has not processed 2-3 months worth of payments and now they will be affecting my credit. This is not the first time this has happened and refuses to complete my transfer request to the Harrisonville branch. I requested my payments to be automatically withdrawn and provided the correct information.....to avoid this issue the first time and the business consistently does not submit my payment in error and continues to rack up my charges and affect my credit due to their own negligence.

  Business response

  12/04/2023

  November 22, 2023
  
  Cindy R*****
  Better Business Bureau
  408 North Church Street, Ste C
  Greenville SC 29601
  
  Re: World Acceptance Corporation of Missouri (“World”)
  Consumer: ******* ******
  Complaint ID: ********
  
  Dear Ms. R*****:
  
  This letter is in response to the above-referenced complaint filed with your office on November 13, 2023, and
  received by our office on November 13, 2023.
  
  Ms. ****** states that World has consistently ignored her issues and does not process her payments on time
  or as requested which is affecting her credit. She further states World refuses to transfer her to the
  Harrisonville branch and that she requested her payments to be automatically withdrawn. Ms. ****** is
  requesting billing adjustments and corrections to her credit report.
  
  Ms. ****** obtained her closed end installment account (*****) from our Butler, MO office (branch ****) on
  October 1, 2021, in the amount of $1911.00 and agreed to repay it in (13) monthly installments of $147.00
  beginning November 16, 2021. Six payments totaling $1079.00 were made.
  
  On May 18, 2022, the loan was refinanced (16082) in the amount of $1781.00 and agreed to repay it in (13)
  monthly installments of $137.00 beginning June 18, 2022. Four payments totaling $548.00 were made.
  
  On November 1, the account was transferred to the Nevada, MO office (branch 1149) per Ms. ********
  request. The new account number assigned was 16231.
  
  On November 15, 2022, the loan was refinanced (29163) in the amount of $1804.40 and agreed to repay it in
  (13) monthly installments of $138.80 beginning December 15, 2022. Eight payments totaling $1140.40 were
  made and the date of first delinquency is listed as October 31, 2023.
  
  World regrets Ms. ****** had a poor experience with the Butler office and with World’s online payment
  service. World has updated its payment service to offer consumers an improved experience.
  
  As always, World seeks the opportunity to assist Ms. ******. If Ms. ****** has any additional questions
  regarding this account including, but not limited to payment options, she may contact the local branch or our
  Customer Care center at ************** so we may attempt to be of further assistance.
  
  Sincerely,
  
  
  World Acceptance Corporation
  Compliance Department

• Initial Complaint

  11/10/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for the debt with the defenders. I do not have a contract with World Finance ********** . They did not provide me with the original contract as I requested.

  Business response

  12/04/2023

  November 20, 2023
  
  Cindy R*****
  Better Business Bureau
  408 North Church Street, Ste C
  Greenville SC 29601
  
  Re: World Finance Company of Georgia, LLC (“World”)
  Consumer: ****** ****
  Complaint ID: ********
  
  Dear Ms. R*****:
  
  This letter is in response to the above-referenced complaint filed with your office on November 10, 2023, and
  received by our office on November 10, 2023.
  
  Ms. **** states that she does not have an original contract and is therefore not liable for a loan through World.
  She has requested a correction to her credit report.
  
  Ms. **** obtained her account from our Valdosta, GA office on December 2, 2020, in the amount of
  $1155.00 and agreed to repay it in (11) monthly installments of $105.00 beginning January 16, 2021. Six
  payments totaling $630.00 were made and the date of first delinquency is listed as September 30, 2021. The
  account charged-off due to lack of contractual payments on March 23, 2022. The account was sold to
  Security Credit Services, LLC in December 2022. Please see the attached contract.
  
  As World is no longer the owner of the account, all communications regarding this account should be
  directed to:
  
  Customer Inquiries:
  Security Credit Services, LLC
  **** *** **** ******* ** ***** **************
  Sincerely,
  
  
  World Acceptance Corporation
  Compliance Department

• Initial Complaint

  11/10/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I've received harassing calls on multiple dates from Stacy M**** starting on 10/30/2023: 11/01/2023 and 11/06/2023, she took it upon herself to harass my sister with annoying phone calls; I've spoken with Stacy several times and informed her that I hired Turnbull Law Group to consolidate the debt I may have had with them. She immediately started acting in an unprofessional manner. Saying to me; I need to call ******** *** ***** and tell them to pay us! This is clearly not the character or attitude I expected from a Branch Manager. I've also spoken with the corporate office in Greenville South Carolina concerning this matter, and the representative for world Finance Corporation sent her a cease-and-desist letter, however she continues to contact me after the fact. I do not appreciate this, and I believe it violates my rights as a consumer.

  Business response

  12/04/2023

  November 19, 2023
  
  Cindy R*****
  Better Business Bureau
  408 North Church Street, Ste C
  Greenville SC 29601
  
  Re: World Finance Company of Georgia, LLC (“World”)
  Consumer: ****** ******
  Complaint ID: ********
  
  Dear Ms. R*****:
  
  This letter is in response to the above-referenced complaint filed with your office on November 10, 2023, and
  received by our office on November 10, 2023.
  
  In Ms. ******’ complaint, she stated a World employee was rude by demanding payment for her account. Ms.
  ****** goes on to state that she wasn’t refusing to pay, but wanted World to communicate with ******** *** ***** who she says she recently hired to assist here consolidating her debts.
  
  Ms. ****** did contact World about her working with a law firm to manage her debt. The Customer Care
  representative notified Ms. ****** that World wouldn’t be able to speak with the third party without written
  authorization. World has received the third-party authorization form and has updated Ms. ****** account to
  cease and desist all outbound communications to her and her references.
  
  World takes compliance and customer service very seriously. Management was engaged and team members
  were refreshed on World’s customer service policy and procedures to address the allegations of poor
  customer service and rude behavior.
  
  As always, World seeks the opportunity to assist Ms. ******. If Ms. ****** has any additional questions
  regarding this account, she may contact our Customer Care center at ************** so we may attempt to
  be of further assistance.
  
  Sincerely,
  
  Compliance Department
  World Acceptance Corporation

• Initial Complaint

  11/07/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  World finance in Deridder , La has been harassing me. They call my work and discuss my account with my coworkers. They tell my account business to other people, I’m sure they are doing it with other customers as well.

  Business response

  12/04/2023

  November 20, 2023
  
  Cindy R*****
  Better Business Bureau
  408 North Church Street, Ste C
  Greenville SC 29601
  
  Re: World Finance Corporation of Louisiana (“World”)
  Consumer: ******* *******
  Complaint ID: ********
  
  Dear Ms. R*****:
  
  This letter is in response to the above-referenced complaint filed with your office on November 7, 2023, and
  received by our office on November 7, 2023.
  
  Ms. ******* states that she is being harassed and that World is calling her work and her loan information is
  being discussed with unauthorized third parties.
  
  Ms. ******* obtained her account from our Deridder, LA office on March 23, 2023, in the amount of $1686.50
  and agreed to repay it in (14) monthly installments of $155.00 beginning April 23, 2023. The April payment was
  deferred. One payment totaling $165.00 was received and the date of first delinquency is listed as July 31,
  2023. Due to lack of payment, the account was charged off on October 13, 2023. The account was sold to ****** **** ********* *** on November 2, 2023.
  
  Based upon this investigation, World did not find evidence that World shared any information with
  unauthorized third parties. However, and although the account was sold, World has updated our systems to
  cease all future telephone communications.
  
  As World is no longer the owner of the account, all communications regarding this account should be directed
  to:
  
  Customer Inquiries:
  ****** **** ******** *** **** ********* **** *** **** *********** ** ***** **************
  
  
  
  
  Sincerely,
  
  
  World Acceptance Corporation
  Compliance Department

• Initial Complaint

  11/02/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Harassing phone calls to family . They can call me, but they need to stop harassing my family members.

  Business response

  11/21/2023

  November 10, 2023
  
  Cindy R*****
  Better Business Bureau
  408 North Church Street, Ste C
  Greenville SC 29601
  
  Re: WFC Limited Partnership (“World”)
  Consumer: ******** **** ***
  Complaint ID: ********
  
  Dear Ms. R*****:
  
  This letter is in response to the above-referenced complaint filed with your office on November 01, 2023, and
  received by our office on November 02, 2023.
  
  Mr. **** requested that his family no longer receive phone calls from World.
  
  Mr. ****** account has been updated to no longer receive outbound communications from World.
  
  As always, World seeks to assist Mr. ****. If he is having difficulty making payments or has questions regarding
  his account, he may contact our Customer Care center at ************** so we may attempt to be of further
  assistance.
  
  
  Sincerely,
  
  
  World Acceptance Corporation
  Compliance Department

• Initial Complaint

  10/27/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  On 10/24/23 I submitted an application online with the store located on 9th st in my town. I received a call from Shelby, but was at work and asked her to please hold. She said okay but hung up, I called back and she hung up in my face multiple times. The next day I called and Kim said she wasn’t in the office because she had to go buy a new car since she had a wreck and to call around 3-3:30. I called at 4pm, she stated she would call me back and never did. On 10/26 I waited and never received a call. I had my mother call the store on kemp wanting to see if I could switch stores. They took my information and Shelby called me! However the exchange wasn’t pleasant. She informed me she was at the store when the call was made and said,” what’s the problem” I said I just want to finish my application and she said, so what’s the problem”. That’s all she had to say and I hung up because I refuse to have anyone talk to me as if I’m stupid! She has no customer service skills! Very rude and unprofessional. My biggest worry now is then having all my information and doing whatever she seems fit because she has clearly proven to myself that she is not one to be trusted!

  Customer response

  11/07/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. 
  
  Though I was told they were having phone issues it doesn’t excuse the behavior the manager had towards me. Also, me being declined a loan has absolutely nothing to do with my complaint so why was that publicly disclosed, when their terms and agreements says the complete opposite? Apparently me applying for a loan and the decision for said loan is between myself and the company so now my privacy has been violated. 
  It’s safe to say that it’s okay for the manager to be rude, because nothing will happen. I can’t validate the authenticity of the “phones having issues” and when challenged the company like to make private information public. Maybe before making that information public, one should read their own terms or speak with someone first because the issue has now escalated.
   
  Regards,
  
  ***** ******

  Customer response

  11/21/2023

  Better Business Bureau,
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.  Only because I’m tired of the back and forth. This company breached their own policy by leaking information that wasn’t pertinent to the original complaint.
  
  Regards,
  
  ***** ******

  Business response

  11/21/2023

  November 6, 2023
  
  Cindy R*****
  Better Business Bureau
  408 North Church Street, Ste C
  Greenville SC 29601
  
  Re: WFC Limited Partnership (“World”)
  Consumer: ***** ******
  Complaint ID: ********
  
  Dear Ms. R*****:
  
  This letter is in response to the above-referenced complaint filed with your office on October 26, 2023, and
  received by our office on October 27, 2023.
  
  Ms. ****** stated that she experienced difficulties applying for a loan including poor customer service and
  communication challenges.
  
  Ms. ****** started an application with Branch #*** on October 26, 2023. Unfortunately, the branch was
  experiencing phone system technology issues resulting in disconnections with customers.
  
  Subsequently, Ms. ******’ application was moved to Branch #*** per her request; however, based on World’s
  underwriting criteria the application was declined.
  
  As always, World seeks to assist Ms. ******. If she has any additional questions, she may contact our Customer
  Care center at 1-888-******** so we may attempt to be of further assistance.
  
  
  Sincerely,
  
  
  World Acceptance Corporation
  Compliance Department

  Business response

  11/21/2023

  November 20, 2023
  
  Cindy R*****
  Better Business Bureau
  408 North Church Street, Ste C
  Greenville SC 29601
  
  Re: WFC Limited Partnership (“World”)
  Consumer: ***** ******
  Complaint ID: ********
  
  Dear Ms. R*****:
  
  This letter is in response to the above-referenced complaint filed with your office on November 7, 2023, and
  received by our office on November 7, 2023.
  
  Ms. ****** stated that she was not satisfied with the previous response provided. She states her concern with
  customer services as not addressed and that private information regarding her loan approval was publicly
  disclosed.
  
  World regrets Ms. ******’ experiences on October 24, 2023, and October 26, 2023, with her loan application.
  World takes compliance and customer service very seriously. World recognizes that the prior response included
  additional information than was not germane to the complaint and regrets if that compounded Ms. ******’
  experience.
  
  Management was engaged and team members were refreshed on World's customer service policy and
  procedures to address the allegations of poor customer service and rude behavior.
  
  As always, World seeks to assist Ms. ******. If she has any additional questions, she may contact our Customer
  Care center at 1-888-******** so we may attempt to be of further assistance.
  
  
  Sincerely,
  
  
  World Acceptance Corporation
  Compliance Department

• Initial Complaint

  10/24/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  violation of 15 U.S. Code § 1681e - Compliance procedures see attachments (a)Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes

  Business response

  11/21/2023

  November 3, 2023
  
  Cindy R*****
  Better Business Bureau
  408 North Church Street, Ste C
  Greenville SC 29601
  
  Re: WFC Limited Partnership (“World”)
  Consumer: *********** *****
  Complaint ID: ********
  
  Dear Ms. R*****:
  
  This letter is in response to the above-referenced complaint filed with your office on October 23, 2023, and
  received in our offices on October 24, 2023.
  
  In Ms. ******* complaint, she stated that World has violated the Fair Credit Reporting Act (“FCRA”) by
  furnishing information to the credit reporting agencies (“Agencies”) without her written instructions, that the
  information furnished is inaccurate and does not belong to her. She has requested the information to be
  removed from her credit reports.
  
  Ms. ***** submitted an Identity Theft Report. World needs the following additional documentation to
  investigate identity theft:
  • Clear copy of Ms. ******* government issued photo-identification (e.g., driver’s license, state-issued ID
  card, passport)
  • Signed Police Report stating ID Theft
  
  Ms. ***** may submit this information to World via fax at ************ or mail to:
  World Acceptance Corporation
  ATTN: Compliance
  ** *** **** ********** ** *****
  A written response will be provided to Ms. ***** with the outcome of the investigation.
  
  As World is no longer the owner of this account, any other questions or communications should be directed
  to:
  Customer Inquiries:
  ****** **** ******** *** **** ********* **** *** **** *********** ** ***** **************
  
  
  Sincerely,
  
  Compliance Department
  World Acceptance Corporation

• Initial Complaint

  10/20/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I’m not liable for this debt with WORLD FINANCE CORPORATIO I do not have a contract with the collection agency trying to collect and reporting any collection agency i never signed anything to any collection agency stating I would pay them they did not provide me with the original contract that was requested

  Business response

  11/21/2023

  October 23, 2023
  
  Cindy R*****
  Better Business Bureau
  408 North Church Street, Ste C
  Greenville SC 29601
  
  Re: World Finance Company of South Carolina, LLC (“World”)
  Consumer: ********* *******
  Complaint ID: ********
  
  Dear Ms. R*****:
  
  This letter is in response to the above-referenced complaint filed with your office on October 20, 2023.
  
  World has searched our records using the name and phone number provided but we were unable to verify
  with certainty the specific account or account holder.
  
  If Mr. ******* would send his full social security number, account number (if available) and the details of
  his complaint, World will continue our investigation into his complaint.
  
  Mr. ******* may submit this information to World via fax at ************ or mail to:
  
  World Acceptance Corporation
  ATTN: BBB Complaint
  ** *** **** ********** ** *****
  
  We will be glad to assist Mr. ******* further once we have the needed information.
  
  Sincerely,
  
  
  World Acceptance Corporation
  Compliance Department

• Initial Complaint

  10/19/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have opt out provisions within 15 US Code 6802. Only two accounts were Deleted from my ******** credit report from World Acceptance Corporation. These accounts still remain below is proof documents that I’ve opt out please delete accounts. Accounts **********Opened 11/30/17 Account ********** Opened 8/30/17 Account 707044**** Opened 6/1/17

  Business response

  11/17/2023

  October 27, 2023
  
  Cindy R*****
  Better Business Bureau
  408 North Church Street, Ste C
  Greenville SC 29601
  
  Re: WFC Limited Partnership (“World”)
  Consumer: ********* ********
  Complaint ID: ********
  
  Dear Ms. R*****:
  
  This letter is in response to the above-referenced complaint filed with your office on October 18, 2023, and
  received by our office on October 19, 2023.
  
  In Ms. ********’ complaint, she stated that World is in violation of 15 U.S. Code §6802, as we are reporting on
  the following accounts:
  Account ********* Opened November 30, 2017
  Account ********* Opened August 30, 2017
  Account ********* Opened June 1, 2017
  
  While there are Opt-Out provisions within the 15 U.S. Code §6802, World is required to act in accordance with
  the Fair Credit Reporting Act (“FCRA”) per 15 U.S. Code §6802(e)(6)(A) General Exceptions - (A) to a consumer
  reporting agency in accordance with the Fair Credit Reporting Act [15 U.S.C. 1681 et seq.]
  
  Since World is required to act in accordance with the FCRA under the General Exceptions, our obligation is to
  furnish accurate information to the credit reporting agencies (“Agencies”). World is required to furnish
  information on delinquent accounts for seven years from the date of first delinquency. If an account is good
  standing, it is considered favorable credit and will be furnished for ten years to the Agencies. World is not an
  Agency and we do not publish credit reports.
  
  Please note the following:
  • Account ********* Opened November 30, 2017, was sold to Recovery Management Solutions, LLC in
  December of 2022. World furnished the last information regarding this account to the Agencies
  December 2022. World is no longer actively furnishing information on this account. We did not
  request a removal from the Agencies of this tradeline. The account information is reporting accurately
  as “Charged-Off, sold/transferred”. As World is no longer the owner of this account all
  communications regarding this account should be directed to:
  
  Customer Inquiries:
  Recovery Management Solutions LLC
  *** ****** ** ************ ** ***** **************
  
  • Account ********* Opened August 30, 2017, was in good standing at the time it closed.
  • Account ********* Opened June 1, 2017, was in good standing at the time it closed.
  • World has not requested that any of Ms. ********’ accounts be removed from her credit report.
  
  
  Sincerely,
  
  
  World Acceptance Corporation
  Compliance Department

*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. ↩