Re: Complaint ID # [redacted] Dear Ms [redacted] : This will acknowledge your letter dated November 16, enclosing [redacted] ***- [redacted] complaintI have investigated this matter with the assistance of [redacted] ***, Vice President of Operations - Oklahoma; and [redacted] , Didstrict SupervisorMs***- [redacted] obtained a loan from our World Acceptance Corporation office in [redacted] ***, Oklahoma on December 11, in the amount of $and agreed to repay it in (12) monthly installments of $beginning January 11, Our records indicate this account was paid off on February 4, Ms***- [redacted] previously contacted our home office to file a complaint on November 16, regarding the handling of the payoff on her accountMs***- [redacted] contacted our branch January 28, and requested a payoff on her account, at which time she was quoted a payoff for that date in the amount of $On February 4, 2015, a check was received at the office in the amount of $As the check did not contain any notation indicating the intention for payoff, the branch posted the check as a regular paymentAfter a thorough investigation, we apologize for any inconvenience this mincommunication may have causedWe have since corrected the account to indicate its payoff as of February 4, A copy of the paid out contract and the receipt showing the payoff were mailed to Ms***- [redacted] on November 17, Sincerely, WORLD ACCEPTANCE CORPORATION [redacted] Vice President Corporate Compliance
Re: ID # [redacted] Dear Ms [redacted] : This will acknowledge your letter dated June 27, enclosing [redacted] 's complaintUnfortunately, Mr [redacted] did not provide sufficient information in order to investigate the accounts he claims are reporting inaccuratelyIf Mr [redacted] will send us his full social security number, and, if available, the full account numbers appearing on his credit file, we will respond to his complaint accordinglyNevertheless, we furnish all credit information fully and accurately to the credit reporting agencies and accordingly, we will not grant Mr [redacted] ’s request to remove accurate factual dataIf Mr [redacted] disagrees with any information contained in his credit report regarding his account with our company, he will need to submit a valid dispute to our company address fulfilling the requirements of the Fair Credit Reporting Act (FCRA)Those requirements are to (1) identify any specific information that Mr [redacted] disputes; (2) explain a basis for any dispute; and (3) include any supporting documentation to substantiate any disputeOnce we receive that information, we will open an investigation and supply Mr [redacted] with copies of any additional documentation he requestsSincerely, WORLD ACCEPTANCE CORPORATION [redacted] Vice President Corporate Compliance
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint I am making every effort to resolve this matter without having to take legal actionIt is indicated in the response from World Finance, that documenttion was sentThe referenced documentation was attached, with the original letter that I sent, along with a copy of the certified letter receipt that I sent to World FinanceThere is no evidence of a receipt and signature from any certified letters sent from World Finance to meI am requesting verification of receipt of the documentation that was attached via a copy of the certified letter receipt, showing my signature, indicating that I received the documentation sent, as I have not received any documentation from World Finance verifying anythingAlso, per the Truth Lending Act, World Finance is completely obligated to send monthly statements if interest is still charged after an account is closedThe laws of the Truth Lending Act applies to any state that the lender is operating in, regardless of what state the corporate office is locatedAgain, I am making every effort to resolve the matter without having to take legal actionI am requesting that World Finance provide me with a certified letter receipt which shows my signature verifying receipt of documentation received If World Finance cannot provide me with the information requested, I am willing to except complete removal of the negative account from all three credit bureau reports as a resolutionIf World Finance refuses my resolution request, I will be forced to take legal action Regards, [redacted] ***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint The whole point of my complaint was that Mr [redacted] said 5-business days because it only took days the previous yearHE NEVER TOLD ME DAYS UNTIL I CALLED TO COMPLAIN Regards, [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint I called the branch manager and told him that I could not come by because I'm working and asked if I could fax copy of check He provided me with the fax numberI spoke with the branch manager last week and he stated that he did receive s copy of the fax that I sent him of the blank checkHe stated that he would see what he could do to help meIf this was the first time that I have mailed a post-dated check to this company, I wouldn't have a problem with this but I have been mailing posted dated checks to this company for yearsI had even been told to bring in a post/dated check to make arrangements for payment I have suffered a financial lost because of this [redacted] ***
Please see the attached response.Thank youRE: ID # [redacted] *** Dear Ms [redacted] : This will acknowledge your letter dated March 2, enclosing Ms [redacted] complaint regarding her tax preparation with our [redacted] , Wisconsin branchI have investigated this matter with the assistance of: *** [redacted] , Vice President; [redacted] ***, Supervisor; and [redacted] , our [redacted] location Branch ManagerMs [redacted] visited the [redacted] location on February 4, to have her taxes preparedAs she states in her complaint, she received her federal refund in “a timely manner.” When she called the [redacted] office on February 20, to inquire about her state refund, branch manager [redacted] explained to Ms*** that her preparer was no longer with the company and he would have to do some investigation and get back to herMr [redacted] contacted our Tax Tech help desk and discovered that Ms [redacted] state tax return had been filed, but a particular form needed was mistakenly left out and was needed in order to complete the returnMr [redacted] was instructed to print this form and send it to the state for proper filing and return processing, which he didMr [redacted] also contacted Ms [redacted] to let her know about the situation and that he had taken care of the issueMs*** later spoke with Ms***, who requested a refund of her fees paid for the tax preparation serviceAs a gesture of good customer service, Mr [redacted] authorized Mr [redacted] to refund 50% of the fees associated with the filing, since Ms [redacted] did receive part of her return in a “timely manner.” Ms*** notified Ms [redacted] to visit the branch to pick up a check for $137.47, which is the agreed upon refund of 50% of her original feesWe apologize for any inconvenience this may have caused Ms***After a thorough investigation, it does not appear that our activities have violated any applicable state or federal laws, this situation should now be resolved to everyone’s satisfactionWe look forward to servicing the Ms [redacted] future financial needsYours very truly, WORLD ACCEPTANCE CORPORATION [redacted]
Re: Complaint No [redacted] Verdana;">Dear Ms [redacted] : This will acknowledge [redacted] ’s complaint filed with the Revdex.com on November 28, I have investigated this matter with the assistance of Mary C [redacted] B [redacted] , Credit Validation and Customer Service AssociateOur records indicate that World Acceptance Corporation received a dispute from Ms [redacted] about her account on August 24, We responded to Ms [redacted] on August 30, and explained that we require more information than provided before we are able to supply Ms[redacted] with the documents she has requestedAs previously stated in our response to Ms [redacted] , if she disagrees with any information in her credit report regarding her account with our company, she will need to submit a valid dispute fulfilling the requirements of the Fair Credit Reporting Act (FCRA)Those requirements are to (1) identify any specific information that Ms [redacted] disputes; (2) explain a basis for any dispute; and (3) include any supporting documentation to substantiate any disputeOnce we receive that information, we will open and investigation and supply copies of any additional documentation requested to Ms [redacted] Please submit that dispute to the address aboveAfter a thorough investigation, we have enclosed a copy of Ms [redacted] 's original request, along with our response to Ms [redacted] Sincerely, WORLD ACCEPTANCE CORPORATION Sue V*** Director, Corporate Compliance ***
Re: ID # [redacted] Dear Ms [redacted] : This will acknowledge your letter dated Septembe 17, enclosing [redacted] complaintI have investigated this matter with the assistance of [redacted] , Vice President of Operations - Indiana; and [redacted] District SupervisorMr [redacted] co-signed with *** [redacted] for a loan (#***) obtained from our World Finance Corporation office in New Albany, Indiana on May 21, in the amount of $and agreed to repay it in (14) monthly installments of $beginning July 5, Our records indicate that as no payments have been received this account was charged off on October 5, When no payment was received in July, the branch contacted Mr [redacted] and Ms [redacted] to notify them that a pyament had not been receivedThe branch continued to contact Mr [redacted] and Ms [redacted] to discuss payment arrangements, but no contact was made and only messages were leftThe branch made additonal attempts to reestablish communication with Mr [redacted] and Ms [redacted] through the numbers and addresses providedThe branch was able to speak with Ms [redacted] on September 2, when she made a promise to pay, however this promise was brokenAfter a thorough investigation, no further contact will be made with Mr [redacted] or Ms***Please be advised that Mr [redacted] made a legal commitment to repay this loan and we ask that he contact branch manager [redacted] at our World FInance Corporation office in New Albany, Indiana to work out suitable arrangements for this accountSincerely, WORLD ACCEPTANCE CORPORATION
RE: ID # [redacted] Dear Ms [redacted] : This letter will acknowledge your letter of May 14, enclosing Mr [redacted] complaint regarding the alleged denial of his credit application and problems with his loan processI have investigated the matter with [redacted] Vice President, and our [redacted] , Indiana branch employeesMr [redacted] initially applied for a $4,loan on April 15, which was deniedMr [redacted] did however qualify for a smaller loanUnfortunately, as Mr [redacted] does state the branch employee did not properly check our internal system to see the previous charged-off account existed until after telling Mr [redacted] he was approved for the smaller amountWe apologize for this over sight and for any inconvenience this may have caused Mr [redacted] Please be assured that proper retraining regarding accurate loan closing has bene provided to the branch employees for future issuesRegardless, upon receipt of the complaint from your office, the smaller amount loan was approved and Mr [redacted] received his loan proceeds on May 21, It appears that the situation has been resolved to everyone’s satisfaction and our practices have not violated any state or federal laws or regulationsIf you should need further information, please do not hesitate to contact me Yours truly, WORLD ACCEPTANCE CORPORATION [redacted] Vice President, Secretary and General Counsel
RE: ID # [redacted] Dear Ms [redacted] : This will acknowledge your letter dated May 12, enclosing Ms [redacted] ’ complaintI would like to apologize for the lack of timeliness in our response and also for any inconvenience this may have caused Ms [redacted] I have investigated this matter with the assistance of supervisor *** [redacted] and our Mission, Texas branch employeesMs [redacted] obtained a $(amount financed) loan from our Mission branch on April 9, and agreed to repay the loan in (10) monthly installments of $beginning May 9, Ms [redacted] went in to the branch to inquire about paying her account off earlyThe payoff amount quoted did include a partial refund of her interest that was included in the loan (see the attached contract), but Ms [redacted] feels it should be moreInterest is pre-computed for the term of the loanIf she had taken the full (10) months to pay it off, she would have paid $in finance chargesWhen paid off early, only part of that interest is refunded; additionally, the majority of the interest is paid at the beginning of the loan and the payoff amount will differ on a daily basisMs [redacted] paid off the account on May 18, 2015; $was refunded in interest at the time of payoffAfter a thorough investigation, it does not appear that our lending activities have violated any applicable state or federal lawsIf I can be of any further assistance, do not hesitate to contact meYours very truly, WORLD ACCEPTANCE CORPORATION [redacted] Vice President, Associate General Counsel and Assistant Secretary
This will acknowledge your letter dated April 19, enclosing [redacted] ***'s complaintI have investigated this matter with the assistance of [redacted] ***, Customer Relations and Compliance Project CoordinatorAfter a thorough investigation, we have found the accounts to be reporting accuratelyWe furnish all credit information fully and accurately to the credit reporting agencies (“CRAs”) and accordingly, we will not grant Mr***’s request to remove accurate dataIt is solely the responsibility of the CRAs to comply with the laws regarding how long information remains on a consumer’s credit reportAccordingly, we cannot grant Mr***’s request to remove outdated information, however Mr [redacted] may want to direct his request to the CRAsSincerely, WORLD ACCEPTANCE CORPORATION [redacted]
RevDex.com: I have reviewed the response made by the business in reference to complaint ID 11139854, and have determined that this does not resolve my complaint. [To assist us in bringing this matter to a close, Please let us know below why you are... rejecting the offer made by the business.] Regards, Jodi Lynn Haupt I read the letter and there is no offer. I made a payment for the tax loan and just mailed the other payment yesterday,I am making payments but will not be paying the last two payments that they lost.
RE: ID # *** *** *** acct #*** Dear Ms***:
"">This will acknowledge your letter dated May 1, enclosing Mr***’ complaintI have investigated this matter with the assistance of: *** ***, Vice President of Operations Missouri; *** ***, Supervisor; and our *** ***, Missouri branch employees. Mr*** obtained a $2,loan from our *** *** branch on January 23, and agreed to repay the loan in (16) monthly installments of $beginning February 23, On the day of loan closing, Mr. *** and branch manager *** had a discussion regarding Mr*** being a SSI and DIS payee, rdmeaning he received his checks on the of each month.rd They discussed the payment being made on the of each month,rd that way it would be early for the *** then called Mr*** when a payment was not made on the as they had agreed*** also explained to Mr*** our policy regarding late payments, which may have resulted in some confusionWhile a late fee is not accessed for (15) days, we haverd no actual grace period; the payments are due on or before the contractual payment date, in this case the of each month. As also is our policy, the branch begins courtesy calling the day after a payment due date if no payment is receivedMr*** has provided additional training for the branch employees regarding proper explanation of the due date and when late fees are assessed; additional training also occurred regarding the improper collection of a debt made on verbal agreement before the contractual due dateRegardless of the issues, Mr*** did visit the branch in *** and paid off his account. After a thorough investigation, while it does not appear that our lending activities have violated any applicable state or federal laws, we do apologize for any inconvenience or misunderstanding the branch may have caused and hope to have Mr*** return as a valued customerIf I can be of any further assistance, do not hesitate to contact me. Yours very truly, WORLD ACCEPTANCE CORPORATION *** ** *** Vice President, Secretary & General Counsel
RE: ID # *** *** *** Dear Ms***: This will acknowledge your letter dated December 15, enclosing Ms*** complaintI have investigated this matter with the assistance of Supervisor *** *** and our *** branch employeesMs*** obtained a loan from our *** branch on September 19, and agreed to repay the loan in (24) monthly installments of $beginning October 19, As of the date of this letter, a payment of $is due. Ms*** claims she provided a post-dated check which was cashed earlier than intendedThe *** branch received a check in the mail with no notation of post-dating the check; as such, the payment was applied to her account on December 5, and the check was depositedOur company policy discourages the use receipt of post-dated checksThe manager at the *** branch did not agree to accept any such check from Ms*** (but that is not to say that a previous manager did not break policy and do so in the past)Nonetheless, the current branch manager has spoken to Ms*** regarding the check; she was notified to bring a copy of the check back in showing the incorrect date, but she has not been in yet. After a thorough investigation, it does not appear that our activities have violated any applicable state or federal lawsIf I can be of any further assistance, do not hesitate to contact me. Yours very truly, WORLD ACCEPTANCE CORPORATION *** ** *** Vice President, Secretary & General Counsel sw cc: *** ***, Supervisor Branch #*** *** SC
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. The whole point of my complaint was that Mr*** said 5-business days because it only took
days the previous yearHE NEVER TOLD ME DAYS UNTIL I CALLED TO COMPLAIN
Regards,
*** ***
Re: Complaint No***
Verdana;">Dear Ms***: This will acknowledge *** ***’s complaint filed with the Revdex.com on November 28, I have investigated this matter with the assistance of Mary C*** B***, Credit Validation and Customer Service AssociateOur records indicate that World Acceptance Corporation received a dispute from Ms*** about her account on August 24, We responded to Ms. *** on August 30, and explained that we require more information than provided before we are able to supply Ms.*** with the documents she has requested. As previously stated in our response to Ms***, if she disagrees with any information in her credit report regarding her account with our company, she will need to submit a valid dispute fulfilling the requirements of the Fair Credit Reporting Act (FCRA)Those requirements are to (1) identify any specific information that Ms*** disputes; (2) explain a basis for any dispute; and (3) include any supporting documentation to substantiate any disputeOnce we receive that information, we will open and investigation and supply copies of any additional documentation requested to Ms***Please submit that dispute to the address above. After a thorough investigation, we have enclosed a copy of Ms***'s original request, along with our response to Ms***. Sincerely, WORLD ACCEPTANCE CORPORATION Sue V*** Director, Corporate Compliance ***
If a company chooses to report to the bureaus, then they must report accurately. We report and we report accurately. Ms*** account was paid late and we are reporting as such. Our policy is not to do goodwill adjustments. If we do for one customer, then we would have to do for all so we choose to report accurate information for all. We also stated in our response that when the branch was asked to cease calling the references listed, we stopped so no actions violated any laws or regulations. We stand by our original response attached once again for convenienceThank you
Re: ID # ***
Dear Ms***: ">This will acknowledge your letter dated June 27, enclosing *** *** ***'s complaint. Unfortunately, Mr*** did not provide sufficient information in order to investigate the accounts he claims are reporting inaccuratelyIf Mr*** will send us his full social security number, and, if available, the full account numbers appearing on his credit file, we will respond to his complaint accordingly. Nevertheless, we furnish all credit information fully and accurately to the credit reporting agencies and accordingly, we will not grant Mr***’s request to remove accurate factual dataIf Mr. *** disagrees with any information contained in his credit report regarding his account with our company, he will need to submit a valid dispute to our company address fulfilling the requirements of the Fair Credit Reporting Act (FCRA)Those requirements are to (1) identify any specific information that Mr*** disputes; (2) explain a basis for any dispute; and (3) include any supporting documentation to substantiate any disputeOnce we receive that information, we will open an investigation and supply Mr*** with copies of any additional documentation he requests. Sincerely, WORLD ACCEPTANCE CORPORATION *** *** Vice President Corporate Compliance
RE: ID #*** *** *** Dear Ms***: 11px">This will acknowledge your letter dated May 12, enclosing Ms***’ complaintI would like to apologize for the lack of timeliness in our response and also for any inconvenience this may have caused Ms***I have investigated this matter with the assistance of supervisor *** *** and our Mission, Texas branch employees. Ms*** obtained a $(amount financed) loan from our Mission branch on April 9, 2015 and agreed to repay the loan in (10) monthly installments of $beginning May 9, Ms. *** went in to the branch to inquire about paying her account off earlyThe payoff amount quoted did include a partial refund of her interest that was included in the loan (see the attached contract), but Ms*** feels it should be moreInterest is pre-computed for the term of the loan. If she had taken the full (10) months to pay it off, she would have paid $in finance charges. When paid off early, only part of that interest is refunded; additionally, the majority of the interest is paid at the beginning of the loan and the payoff amount will differ on a daily basisMs*** paid off the account on May 18, 2015; $was refunded in interest at the time of payoff. After a thorough investigation, it does not appear that our lending activities have violated any applicable state or federal lawsIf I can be of any further assistance, do not hesitate to contact me. Yours very truly, WORLD ACCEPTANCE CORPORATION *** ** *** Vice President, Associate General Counsel and Assistant Secretary
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. The business uses the excuse that they "just changed" vendors but has no apologies for me having had to
waste my time on the phone in the past with the local office who said they have ZERO control in it being sent out NOR their own corporate offices who assured me many months ago that it would be ended AND WAS NOT! My time is valuable too and I have wasted my time and yours (Revdex.com) in begging them to stop. I have to pay for the phone calls I have had to make along with the residual costs of using the web in dealing with this. They need to understand that they intruded on my privacy in sending me mailings that I neither requested or wanted, same as with consumers everywhere who find offense in UNSOLICITED mailings, something else they fail to own up to, If this is an apology, it falls far short on sincerity Regards,
*** ***
Re: Complaint ID # [redacted] Dear Ms [redacted] : This will acknowledge your letter dated November 16, enclosing [redacted] ***- [redacted] complaintI have investigated this matter with the assistance of [redacted] ***, Vice President of Operations - Oklahoma; and [redacted] , Didstrict SupervisorMs***- [redacted] obtained a loan from our World Acceptance Corporation office in [redacted] ***, Oklahoma on December 11, in the amount of $and agreed to repay it in (12) monthly installments of $beginning January 11, Our records indicate this account was paid off on February 4, Ms***- [redacted] previously contacted our home office to file a complaint on November 16, regarding the handling of the payoff on her accountMs***- [redacted] contacted our branch January 28, and requested a payoff on her account, at which time she was quoted a payoff for that date in the amount of $On February 4, 2015, a check was received at the office in the amount of $As the check did not contain any notation indicating the intention for payoff, the branch posted the check as a regular paymentAfter a thorough investigation, we apologize for any inconvenience this mincommunication may have causedWe have since corrected the account to indicate its payoff as of February 4, A copy of the paid out contract and the receipt showing the payoff were mailed to Ms***- [redacted] on November 17, Sincerely, WORLD ACCEPTANCE CORPORATION [redacted] Vice President Corporate Compliance
Re: ID # [redacted] Dear Ms [redacted] : This will acknowledge your letter dated June 27, enclosing [redacted] 's complaintUnfortunately, Mr [redacted] did not provide sufficient information in order to investigate the accounts he claims are reporting inaccuratelyIf Mr [redacted] will send us his full social security number, and, if available, the full account numbers appearing on his credit file, we will respond to his complaint accordinglyNevertheless, we furnish all credit information fully and accurately to the credit reporting agencies and accordingly, we will not grant Mr [redacted] ’s request to remove accurate factual dataIf Mr [redacted] disagrees with any information contained in his credit report regarding his account with our company, he will need to submit a valid dispute to our company address fulfilling the requirements of the Fair Credit Reporting Act (FCRA)Those requirements are to (1) identify any specific information that Mr [redacted] disputes; (2) explain a basis for any dispute; and (3) include any supporting documentation to substantiate any disputeOnce we receive that information, we will open an investigation and supply Mr [redacted] with copies of any additional documentation he requestsSincerely, WORLD ACCEPTANCE CORPORATION [redacted] Vice President Corporate Compliance
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint I am making every effort to resolve this matter without having to take legal actionIt is indicated in the response from World Finance, that documenttion was sentThe referenced documentation was attached, with the original letter that I sent, along with a copy of the certified letter receipt that I sent to World FinanceThere is no evidence of a receipt and signature from any certified letters sent from World Finance to meI am requesting verification of receipt of the documentation that was attached via a copy of the certified letter receipt, showing my signature, indicating that I received the documentation sent, as I have not received any documentation from World Finance verifying anythingAlso, per the Truth Lending Act, World Finance is completely obligated to send monthly statements if interest is still charged after an account is closedThe laws of the Truth Lending Act applies to any state that the lender is operating in, regardless of what state the corporate office is locatedAgain, I am making every effort to resolve the matter without having to take legal actionI am requesting that World Finance provide me with a certified letter receipt which shows my signature verifying receipt of documentation received If World Finance cannot provide me with the information requested, I am willing to except complete removal of the negative account from all three credit bureau reports as a resolutionIf World Finance refuses my resolution request, I will be forced to take legal action Regards, [redacted] ***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint The whole point of my complaint was that Mr [redacted] said 5-business days because it only took days the previous yearHE NEVER TOLD ME DAYS UNTIL I CALLED TO COMPLAIN Regards, [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint I called the branch manager and told him that I could not come by because I'm working and asked if I could fax copy of check He provided me with the fax numberI spoke with the branch manager last week and he stated that he did receive s copy of the fax that I sent him of the blank checkHe stated that he would see what he could do to help meIf this was the first time that I have mailed a post-dated check to this company, I wouldn't have a problem with this but I have been mailing posted dated checks to this company for yearsI had even been told to bring in a post/dated check to make arrangements for payment I have suffered a financial lost because of this [redacted] ***
Please see the attached response.Thank youRE: ID # [redacted] *** Dear Ms [redacted] : This will acknowledge your letter dated March 2, enclosing Ms [redacted] complaint regarding her tax preparation with our [redacted] , Wisconsin branchI have investigated this matter with the assistance of: *** [redacted] , Vice President; [redacted] ***, Supervisor; and [redacted] , our [redacted] location Branch ManagerMs [redacted] visited the [redacted] location on February 4, to have her taxes preparedAs she states in her complaint, she received her federal refund in “a timely manner.” When she called the [redacted] office on February 20, to inquire about her state refund, branch manager [redacted] explained to Ms*** that her preparer was no longer with the company and he would have to do some investigation and get back to herMr [redacted] contacted our Tax Tech help desk and discovered that Ms [redacted] state tax return had been filed, but a particular form needed was mistakenly left out and was needed in order to complete the returnMr [redacted] was instructed to print this form and send it to the state for proper filing and return processing, which he didMr [redacted] also contacted Ms [redacted] to let her know about the situation and that he had taken care of the issueMs*** later spoke with Ms***, who requested a refund of her fees paid for the tax preparation serviceAs a gesture of good customer service, Mr [redacted] authorized Mr [redacted] to refund 50% of the fees associated with the filing, since Ms [redacted] did receive part of her return in a “timely manner.” Ms*** notified Ms [redacted] to visit the branch to pick up a check for $137.47, which is the agreed upon refund of 50% of her original feesWe apologize for any inconvenience this may have caused Ms***After a thorough investigation, it does not appear that our activities have violated any applicable state or federal laws, this situation should now be resolved to everyone’s satisfactionWe look forward to servicing the Ms [redacted] future financial needsYours very truly, WORLD ACCEPTANCE CORPORATION [redacted]
Re: Complaint No [redacted] Verdana;">Dear Ms [redacted] : This will acknowledge [redacted] ’s complaint filed with the Revdex.com on November 28, I have investigated this matter with the assistance of Mary C [redacted] B [redacted] , Credit Validation and Customer Service AssociateOur records indicate that World Acceptance Corporation received a dispute from Ms [redacted] about her account on August 24, We responded to Ms [redacted] on August 30, and explained that we require more information than provided before we are able to supply Ms[redacted] with the documents she has requestedAs previously stated in our response to Ms [redacted] , if she disagrees with any information in her credit report regarding her account with our company, she will need to submit a valid dispute fulfilling the requirements of the Fair Credit Reporting Act (FCRA)Those requirements are to (1) identify any specific information that Ms [redacted] disputes; (2) explain a basis for any dispute; and (3) include any supporting documentation to substantiate any disputeOnce we receive that information, we will open and investigation and supply copies of any additional documentation requested to Ms [redacted] Please submit that dispute to the address aboveAfter a thorough investigation, we have enclosed a copy of Ms [redacted] 's original request, along with our response to Ms [redacted] Sincerely, WORLD ACCEPTANCE CORPORATION Sue V*** Director, Corporate Compliance ***
Re: ID # [redacted] Dear Ms [redacted] : This will acknowledge your letter dated Septembe 17, enclosing [redacted] complaintI have investigated this matter with the assistance of [redacted] , Vice President of Operations - Indiana; and [redacted] District SupervisorMr [redacted] co-signed with *** [redacted] for a loan (#***) obtained from our World Finance Corporation office in New Albany, Indiana on May 21, in the amount of $and agreed to repay it in (14) monthly installments of $beginning July 5, Our records indicate that as no payments have been received this account was charged off on October 5, When no payment was received in July, the branch contacted Mr [redacted] and Ms [redacted] to notify them that a pyament had not been receivedThe branch continued to contact Mr [redacted] and Ms [redacted] to discuss payment arrangements, but no contact was made and only messages were leftThe branch made additonal attempts to reestablish communication with Mr [redacted] and Ms [redacted] through the numbers and addresses providedThe branch was able to speak with Ms [redacted] on September 2, when she made a promise to pay, however this promise was brokenAfter a thorough investigation, no further contact will be made with Mr [redacted] or Ms***Please be advised that Mr [redacted] made a legal commitment to repay this loan and we ask that he contact branch manager [redacted] at our World FInance Corporation office in New Albany, Indiana to work out suitable arrangements for this accountSincerely, WORLD ACCEPTANCE CORPORATION
RE: ID # [redacted] Dear Ms [redacted] : This letter will acknowledge your letter of May 14, enclosing Mr [redacted] complaint regarding the alleged denial of his credit application and problems with his loan processI have investigated the matter with [redacted] Vice President, and our [redacted] , Indiana branch employeesMr [redacted] initially applied for a $4,loan on April 15, which was deniedMr [redacted] did however qualify for a smaller loanUnfortunately, as Mr [redacted] does state the branch employee did not properly check our internal system to see the previous charged-off account existed until after telling Mr [redacted] he was approved for the smaller amountWe apologize for this over sight and for any inconvenience this may have caused Mr [redacted] Please be assured that proper retraining regarding accurate loan closing has bene provided to the branch employees for future issuesRegardless, upon receipt of the complaint from your office, the smaller amount loan was approved and Mr [redacted] received his loan proceeds on May 21, It appears that the situation has been resolved to everyone’s satisfaction and our practices have not violated any state or federal laws or regulationsIf you should need further information, please do not hesitate to contact me Yours truly, WORLD ACCEPTANCE CORPORATION [redacted] Vice President, Secretary and General Counsel
RE: ID # [redacted] Dear Ms [redacted] : This will acknowledge your letter dated May 12, enclosing Ms [redacted] ’ complaintI would like to apologize for the lack of timeliness in our response and also for any inconvenience this may have caused Ms [redacted] I have investigated this matter with the assistance of supervisor *** [redacted] and our Mission, Texas branch employeesMs [redacted] obtained a $(amount financed) loan from our Mission branch on April 9, and agreed to repay the loan in (10) monthly installments of $beginning May 9, Ms [redacted] went in to the branch to inquire about paying her account off earlyThe payoff amount quoted did include a partial refund of her interest that was included in the loan (see the attached contract), but Ms [redacted] feels it should be moreInterest is pre-computed for the term of the loanIf she had taken the full (10) months to pay it off, she would have paid $in finance chargesWhen paid off early, only part of that interest is refunded; additionally, the majority of the interest is paid at the beginning of the loan and the payoff amount will differ on a daily basisMs [redacted] paid off the account on May 18, 2015; $was refunded in interest at the time of payoffAfter a thorough investigation, it does not appear that our lending activities have violated any applicable state or federal lawsIf I can be of any further assistance, do not hesitate to contact meYours very truly, WORLD ACCEPTANCE CORPORATION [redacted] Vice President, Associate General Counsel and Assistant Secretary
This will acknowledge your letter dated April 19, enclosing [redacted] ***'s complaintI have investigated this matter with the assistance of [redacted] ***, Customer Relations and Compliance Project CoordinatorAfter a thorough investigation, we have found the accounts to be reporting accuratelyWe furnish all credit information fully and accurately to the credit reporting agencies (“CRAs”) and accordingly, we will not grant Mr***’s request to remove accurate dataIt is solely the responsibility of the CRAs to comply with the laws regarding how long information remains on a consumer’s credit reportAccordingly, we cannot grant Mr***’s request to remove outdated information, however Mr [redacted] may want to direct his request to the CRAsSincerely, WORLD ACCEPTANCE CORPORATION [redacted]
RevDex.com: I have reviewed the response made by the business in reference to complaint ID 11139854, and have determined that this does not resolve my complaint. [To assist us in bringing this matter to a close, Please let us know below why you are... rejecting the offer made by the business.] Regards, Jodi Lynn Haupt I read the letter and there is no offer. I made a payment for the tax loan and just mailed the other payment yesterday,I am making payments but will not be paying the last two payments that they lost.
RE: ID # *** *** *** acct #*** Dear Ms***:
"">This will acknowledge your letter dated May 1, enclosing Mr***’ complaintI have investigated this matter with the assistance of: *** ***, Vice President of Operations Missouri; *** ***, Supervisor; and our *** ***, Missouri branch employees. Mr*** obtained a $2,loan from our *** *** branch on January 23, and agreed to repay the loan in (16) monthly installments of $beginning February 23, On the day of loan closing, Mr. *** and branch manager *** had a discussion regarding Mr*** being a SSI and DIS payee, rdmeaning he received his checks on the of each month.rd They discussed the payment being made on the of each month,rd that way it would be early for the *** then called Mr*** when a payment was not made on the as they had agreed*** also explained to Mr*** our policy regarding late payments, which may have resulted in some confusionWhile a late fee is not accessed for (15) days, we haverd no actual grace period; the payments are due on or before the contractual payment date, in this case the of each month. As also is our policy, the branch begins courtesy calling the day after a payment due date if no payment is receivedMr*** has provided additional training for the branch employees regarding proper explanation of the due date and when late fees are assessed; additional training also occurred regarding the improper collection of a debt made on verbal agreement before the contractual due dateRegardless of the issues, Mr*** did visit the branch in *** and paid off his account. After a thorough investigation, while it does not appear that our lending activities have violated any applicable state or federal laws, we do apologize for any inconvenience or misunderstanding the branch may have caused and hope to have Mr*** return as a valued customerIf I can be of any further assistance, do not hesitate to contact me. Yours very truly, WORLD ACCEPTANCE CORPORATION *** ** *** Vice President, Secretary & General Counsel
RE: ID # *** *** *** Dear Ms***: This will acknowledge your letter dated December 15, enclosing Ms*** complaintI have investigated this matter with the assistance of Supervisor *** *** and our *** branch employeesMs*** obtained a loan from our *** branch on September 19, and agreed to repay the loan in (24) monthly installments of $beginning October 19, As of the date of this letter, a payment of $is due. Ms*** claims she provided a post-dated check which was cashed earlier than intendedThe *** branch received a check in the mail with no notation of post-dating the check; as such, the payment was applied to her account on December 5, and the check was depositedOur company policy discourages the use receipt of post-dated checksThe manager at the *** branch did not agree to accept any such check from Ms*** (but that is not to say that a previous manager did not break policy and do so in the past)Nonetheless, the current branch manager has spoken to Ms*** regarding the check; she was notified to bring a copy of the check back in showing the incorrect date, but she has not been in yet. After a thorough investigation, it does not appear that our activities have violated any applicable state or federal lawsIf I can be of any further assistance, do not hesitate to contact me. Yours very truly, WORLD ACCEPTANCE CORPORATION *** ** *** Vice President, Secretary & General Counsel sw cc: *** ***, Supervisor Branch #*** *** SC
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. The whole point of my complaint was that Mr*** said 5-business days because it only took
days the previous yearHE NEVER TOLD ME DAYS UNTIL I CALLED TO COMPLAIN
Regards,
*** ***
Re: Complaint No***
Verdana;">Dear Ms***: This will acknowledge *** ***’s complaint filed with the Revdex.com on November 28, I have investigated this matter with the assistance of Mary C*** B***, Credit Validation and Customer Service AssociateOur records indicate that World Acceptance Corporation received a dispute from Ms*** about her account on August 24, We responded to Ms. *** on August 30, and explained that we require more information than provided before we are able to supply Ms.*** with the documents she has requested. As previously stated in our response to Ms***, if she disagrees with any information in her credit report regarding her account with our company, she will need to submit a valid dispute fulfilling the requirements of the Fair Credit Reporting Act (FCRA)Those requirements are to (1) identify any specific information that Ms*** disputes; (2) explain a basis for any dispute; and (3) include any supporting documentation to substantiate any disputeOnce we receive that information, we will open and investigation and supply copies of any additional documentation requested to Ms***Please submit that dispute to the address above. After a thorough investigation, we have enclosed a copy of Ms***'s original request, along with our response to Ms***. Sincerely, WORLD ACCEPTANCE CORPORATION Sue V*** Director, Corporate Compliance ***
If a company chooses to report to the bureaus, then they must report accurately. We report and we report accurately. Ms*** account was paid late and we are reporting as such. Our policy is not to do goodwill adjustments. If we do for one customer, then we would have to do for all so we choose to report accurate information for all. We also stated in our response that when the branch was asked to cease calling the references listed, we stopped so no actions violated any laws or regulations. We stand by our original response attached once again for convenienceThank you
Re: ID # ***
Dear Ms***: ">This will acknowledge your letter dated June 27, enclosing *** *** ***'s complaint. Unfortunately, Mr*** did not provide sufficient information in order to investigate the accounts he claims are reporting inaccuratelyIf Mr*** will send us his full social security number, and, if available, the full account numbers appearing on his credit file, we will respond to his complaint accordingly. Nevertheless, we furnish all credit information fully and accurately to the credit reporting agencies and accordingly, we will not grant Mr***’s request to remove accurate factual dataIf Mr. *** disagrees with any information contained in his credit report regarding his account with our company, he will need to submit a valid dispute to our company address fulfilling the requirements of the Fair Credit Reporting Act (FCRA)Those requirements are to (1) identify any specific information that Mr*** disputes; (2) explain a basis for any dispute; and (3) include any supporting documentation to substantiate any disputeOnce we receive that information, we will open an investigation and supply Mr*** with copies of any additional documentation he requests. Sincerely, WORLD ACCEPTANCE CORPORATION *** *** Vice President Corporate Compliance
RE: ID #*** *** *** Dear Ms***: 11px">This will acknowledge your letter dated May 12, enclosing Ms***’ complaintI would like to apologize for the lack of timeliness in our response and also for any inconvenience this may have caused Ms***I have investigated this matter with the assistance of supervisor *** *** and our Mission, Texas branch employees. Ms*** obtained a $(amount financed) loan from our Mission branch on April 9, 2015 and agreed to repay the loan in (10) monthly installments of $beginning May 9, Ms. *** went in to the branch to inquire about paying her account off earlyThe payoff amount quoted did include a partial refund of her interest that was included in the loan (see the attached contract), but Ms*** feels it should be moreInterest is pre-computed for the term of the loan. If she had taken the full (10) months to pay it off, she would have paid $in finance charges. When paid off early, only part of that interest is refunded; additionally, the majority of the interest is paid at the beginning of the loan and the payoff amount will differ on a daily basisMs*** paid off the account on May 18, 2015; $was refunded in interest at the time of payoff. After a thorough investigation, it does not appear that our lending activities have violated any applicable state or federal lawsIf I can be of any further assistance, do not hesitate to contact me. Yours very truly, WORLD ACCEPTANCE CORPORATION *** ** *** Vice President, Associate General Counsel and Assistant Secretary
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. The business uses the excuse that they "just changed" vendors but has no apologies for me having had to
waste my time on the phone in the past with the local office who said they have ZERO control in it being sent out NOR their own corporate offices who assured me many months ago that it would be ended AND WAS NOT! My time is valuable too and I have wasted my time and yours (Revdex.com) in begging them to stop. I have to pay for the phone calls I have had to make along with the residual costs of using the web in dealing with this. They need to understand that they intruded on my privacy in sending me mailings that I neither requested or wanted, same as with consumers everywhere who find offense in UNSOLICITED mailings, something else they fail to own up to, If this is an apology, it falls far short on sincerity Regards,
*** ***