Dear Ms***: This will
acknowledge your letter dated January 13, enclosing *** ***s complaintI have investigated this matter with the assistance of *** ***, Vice President of Operations - Georgia; and *** ***, District SupervisorMs*** obtained a loan from our World Finance Corporation office in ***, Georgia on April 29, in the amount of $and agreed to repay it in (11) monthly installments of $beginning May 29, Our records indicate a payment of $is due on February 5, 2016. When no payment was received in May, the branch attempted to contact Ms*** to notfiy her a payment had not been receivedA payment was later received June 29, 2015, however Ms*** was still due for another paymentWhen subsequent payments were not received, the branch attempted to contact Ms*** at the numbers and addresses provided at the loan closing, however only messages were left. After a thorough investigation, Ms*** has spoken with District Supervisor *** *** and worked out suitable arrangements for her accountWe additionally have stopped the garnishment processIn the future, we ask that Ms*** contact Branch Manager *** *** on or before her due date if she needs additional time to make her payment. Sincerely, WORLD ACCEPTANCE CORPORATION *** *** Vice President Corporate Compliance
This will acknowledge your letter dated October 12, enclosing *** *** complaintI have investigated this matter
with the assistance of *** ***, Vice President of Operations - *** Texas; and *** ***, District SupervisorMs*** obtained a loan from our World Finance Corporation office in ***, Texas on April 17, in the amount of $and agreed to repay it in (8) monthly installments of $beginning May 17, Our records indicate a balance of $is currently due. Ms*** previously spoke with District Supervisor Mr*** on Septbemer 28, 2015 regarding the payment she placed in the branch's night drop-box on August 15, The branch was robbed before the staff opened the next business day and Ms* *** payment was stolen. When a customer puts a payment in the branch night drop-box, they do so at their own riskWorld does not take responsibility for the payment until our employees receive itMr*** explained the night drop policy to Ms*** and that she would still be responsible for the paymentMr. *** agreed to waive the late fees for August and September's payments due to the special circumstances, however he is unable to waive any late fee for October's payment. After a thorough investigation, Ms*** is currently due for October's payment of $which was due on October 17, We ask that she contact Branch Manager *** *** to work out payment arrangements to avoid any additional late fees. Sincerely, WORLD ACCEPTANCE CORPORATION
*** *** Vice President
Dear Ms***: This will acknowledge your letter dated November 30,
enclosing *** ***'s complaintI have investigated this matter with the assistance of *** ***, Vice President of Operations - TennesseeMs*** obtained a loan from our World Finance Corporation office in *** ***, Tennessee on June 16, in the amount of $and agreed to repay it in (12) monthly installments of $beginning July 16, Our records indicate the payoff as of the date of this letter is $1391.92. We ask our customers to contact the branch on or before their due date if their payment is going to be lateWhen our office didn't receive a payment or hear from Ms***, they contacted her on July 17, to remind her of her paymentShe advised the branch at this time that she would have a payment to the office the same dayAfter several broken promises a payment was finally received on August 14, and a second payment on October 23, (which was later returned for insufficient funds on November 5, 2015)The account was not brought current so the branch tried to contact Ms*** to work out other arrangements to help get the account current and to reestablish communication. Ms*** claims the branch refused to accept her payment of $in NovemberAt each loan signing the representative closing the loan explains the terms of the loan (which includes the amount financed, finance charges, payment amount and due date) to each customer and, if the customer agrees to the terms, the customer signs a loan contractFor the loan in dispute (#***) Ms*** agreed to repay the loan in the terms listed above and signed the contractAs the payments were previously agreed to at the loan signing, we were unable to accept anything less than the full contractual payment due at the time Ms*** came in the office ($including late fees as of the date of this letter). After a thorough investigation, the account was charged off due to non-payment on December 9, at which time all contact from the branch office ceasedWe apologize for any inconvience we may have caused in an attempt to reestablish communicationPlease be advised that Ms*** made a legal commitment to repay this loan and we ask that she contact our World Finance Corporation office in *** ***, Tennessee to work out suitable arrangements for her account. Sincerely, WORLD ACCEPTANCE CORPORATION
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.
In the companys response they are stating they CANNOT delete credit reporting which is a
lie. In fact they can. Credit laws only require you to report accurately if you do report. You are in control of whether or not you report at all and you do have the capability to request the CRAs to delete the listing. I am asking for a courtesy deletion due to the very unprofessional practices of your employees which almost caused me a job loss by caling my boss multiple times a day ....my work phone as well as my mothers....then coming to my house.....and being rude and cursing on the phone! If this is not resolved in a timely manner I promise you that we will take this case to court They are citing a credit law that is indeed correct that if you report an item you must report it correctly however your are NOT required to report it and you CAN delete it. I know credit laws.....and you are under no obligation to report a tradeline and can request removal of a tradeline as well via an e-OSCAR request
Regards,
*** ***
Please see the attached response.Thank youRE: ID # *** *** *** *** Dear Ms***: This will acknowledge your letter dated March 2, enclosing Ms*** complaint regarding her tax preparation with our ***, Wisconsin
branchI have investigated this matter with the assistance of: *** ***, Vice President; *** ***, Supervisor; and *** ***, our *** location Branch Manager. Ms*** visited the *** 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 *** office on February 20, to inquire about her state refund, branch manager *** *** 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*** contacted our Tax Tech help desk and discovered that Ms*** state tax return had been filed, but a particular form needed was mistakenly left out and was needed in order to complete the returnMr*** was instructed to print this form and send it to the state for proper filing and return processing, which he didMr*** also contacted Ms*** to let her know about the situation and that he had taken care of the issue. Ms*** later spoke with Ms***, who requested a refund of her fees paid for the tax preparation service. As a gesture of good customer service, Mr*** authorized Mr*** to refund 50% of the fees associated with the filing, since Ms*** did receive part of her return in a “timely manner.” Ms*** notified Ms*** 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*** future financial needs. Yours very truly, WORLD ACCEPTANCE CORPORATION *** ** ***
RE: ID #*** *** *** Dear Ms***:
"">This letter will acknowledge your letter of May 14, enclosing Mr*** complaint regarding the alleged denial of his credit application and problems with his loan processI have investigated the matter with *** *** Vice President, and our *** ***, Indiana branch employees. Mr*** initially applied for a $4,loan on April 15, which was deniedMr. *** did however qualify for a smaller loanUnfortunately, as Mr*** does state the branch employee did not properly check our internal system to see the previous charged-off account existed until after telling Mr*** he was approved for the smaller amountWe apologize for this over sight and for any inconvenience this may have caused Mr***. Please be assured that proper retraining regarding accurate loan closing has bene provided to the branch employees for future issues. Regardless, upon receipt of the complaint from your office, the smaller amount loan was approved and Mr*** 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 *** ** *** Vice President, Secretary and General Counsel
Revdex.com:
In response to World Finance my social is: ***A dispute has already been sent to the bureaus however, World Finance continues to provide the with informationThis matter should be corrected immediately as I do plan to get the Attorney
General involved
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
Regards,
*** ***
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 offerI 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: Revdex.com ID #*** *** *** Dear Ms***:
"">This letter will acknowledge your letter of July 8, enclosing Ms***s complaint regarding the financing amounts and partial payment for her accountI have investigated the matter with Supervisor *** *** and our ***, Idaho branch employees. Ms*** obtained a $(amount received) loan on March 6, from our ***, Idaho branch location and agreed to repay it in (9) monthly payments of $beginning on April 6, As of the date of this letter, a payment of $is due, as only $has been paidMs*** claims the loan “jumped from $to $900.” She received $in loan proceeds; however, the amount she will pay back over (9) months with all charges and fees will be $A copy of the contract detailing all amounts is attached. Regarding the partial payment issue, we can accept partial payments if received before the actual due dateOnce the payment becomes due, we do not accept partial payments as they will not move the account from past due status to current, which does not help the customer; only a full month’s payment can be accepted in order to properly age the accountThe branch manager has been trying to work with Ms*** on her paymentsWe received a payment on May 1, and no additional contact until May 12, 2015; the account was then held until June 3, Ms*** then contacted the branch that day and informed the manager of her medical conditionThe manager agreed to hold the account until July 3, at Ms***s request, but that promise to pay was brokenThe branch tried to call, but the phone has been disconnected and no additional contact has been made. It appears that our practices and responses have not violated any state or federal laws or regulations. W hile we are willing to work with Ms***, we request that she stay in contact with the local branch to Yoursmake anyvery necessary truly, arrangements and uphold her promises to pay. WORLD ACCEPTANCE CORPORATION *** ** *** Vice President, Secretary and General Counsel
This will acknowledge your letter dated April 19, enclosing *** ***'s complaintI have ">investigated this matter with the assistance of *** ***, Customer Relations and Compliance Project CoordinatorAfter a thorough investigation, we have found the accounts to be reporting accurately. We 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*** may want to direct his request to the CRAs. Sincerely, WORLD ACCEPTANCE CORPORATION *** ***
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.
Regards,
*** ***
I am rejecting the offer, because AGAIN I was not told of their policy on their night-dropAGAIN, had I been told, I WOULD NOT HAVE EVER USED THEIR NIGHT-DROPI believe the burden is on them, since they did not tell me until after the factI was told to get a copy of the money order, which I did, and it proved that I had indeed paid itI don't have that kind of extra money laying aroundThis is on them
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 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.
*** ***
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. 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,
*** ***
This will acknowledge your letter dated April 5, enclosing *** ***'s complaintAfter a thorough investigation, Ms*** did not provide sufficient information to identify her account(s)If she will send us her social security number, and, if available, the full account number, we will investigate her disputesAdditionally, if Ms*** disagrees with any information contained in her credit report regarding her account(s) with our company, we request that she please submit a proper direct dispute to the credit reporting agencies or to the below address. Compliance: Direct Disputes World Acceptance Corporation Post Office Box *** ***, SC 29606 Sincerely, WORLD ACCEPTANCE CORPORATION *** ***
Re:
ID #*** Dear Ms***: This will acknowledge your letter dated Septembe 17, enclosing *** *** complaintI have investigated this matter with the assistance of *** ***, Vice President of Operations - Indiana; and *** *** District SupervisorMr*** co-signed with *** *** 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, 2015. When no payment was received in July, the branch contacted Mr*** and Ms*** to notify them that a pyament had not been receivedThe branch continued to contact Mr*** and Ms*** to discuss payment arrangements, but no contact was made and only messages were leftThe branch made additonal attempts to reestablish communication with Mr*** and Ms*** through the numbers and addresses providedThe branch was able to speak with Ms. *** on September 2, when she made a promise to pay, however this promise was broken. After a thorough investigation, no further contact will be made with Mr*** or Ms***. Please be advised that Mr*** made a legal commitment to repay this loan and we ask that he contact branch manager *** *** at our World FInance Corporation office in New Albany, Indiana to work out suitable arrangements for this account. Sincerely, WORLD ACCEPTANCE CORPORATION
Re: Complaint ID #***
Dear Ms***: 11px">This will acknowledge your letter dated November 16, enclosing *** ***-*** complaintI have investigated this matter with the assistance of *** ***, Vice President of Operations - Oklahoma; and *** ***, Didstrict SupervisorMs***-*** obtained a loan from our World Acceptance Corporation office in ** ***, Oklahoma on December 11, 2014 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, 2015. Ms***-*** previously contacted our home office to file a complaint on November 16, 2015 regarding the handling of the payoff on her accountMs***-*** 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 payment. After 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***-*** on November 17, 2015. Sincerely, WORLD ACCEPTANCE CORPORATION *** *** Vice President Corporate Compliance
Dear Ms***: This will
acknowledge your letter dated January 13, enclosing *** ***s complaintI have investigated this matter with the assistance of *** ***, Vice President of Operations - Georgia; and *** ***, District SupervisorMs*** obtained a loan from our World Finance Corporation office in ***, Georgia on April 29, in the amount of $and agreed to repay it in (11) monthly installments of $beginning May 29, Our records indicate a payment of $is due on February 5, 2016. When no payment was received in May, the branch attempted to contact Ms*** to notfiy her a payment had not been receivedA payment was later received June 29, 2015, however Ms*** was still due for another paymentWhen subsequent payments were not received, the branch attempted to contact Ms*** at the numbers and addresses provided at the loan closing, however only messages were left. After a thorough investigation, Ms*** has spoken with District Supervisor *** *** and worked out suitable arrangements for her accountWe additionally have stopped the garnishment processIn the future, we ask that Ms*** contact Branch Manager *** *** on or before her due date if she needs additional time to make her payment. Sincerely, WORLD ACCEPTANCE CORPORATION *** *** Vice President Corporate Compliance
This will acknowledge your letter dated October 12, enclosing *** *** complaintI have investigated this matter
with the assistance of *** ***, Vice President of Operations - *** Texas; and *** ***, District SupervisorMs*** obtained a loan from our World Finance Corporation office in ***, Texas on April 17, in the amount of $and agreed to repay it in (8) monthly installments of $beginning May 17, Our records indicate a balance of $is currently due. Ms*** previously spoke with District Supervisor Mr*** on Septbemer 28, 2015 regarding the payment she placed in the branch's night drop-box on August 15, The branch was robbed before the staff opened the next business day and Ms* *** payment was stolen. When a customer puts a payment in the branch night drop-box, they do so at their own riskWorld does not take responsibility for the payment until our employees receive itMr*** explained the night drop policy to Ms*** and that she would still be responsible for the paymentMr. *** agreed to waive the late fees for August and September's payments due to the special circumstances, however he is unable to waive any late fee for October's payment. After a thorough investigation, Ms*** is currently due for October's payment of $which was due on October 17, We ask that she contact Branch Manager *** *** to work out payment arrangements to avoid any additional late fees. Sincerely, WORLD ACCEPTANCE CORPORATION
*** *** Vice President
Dear Ms***: This will acknowledge your letter dated November 30,
enclosing *** ***'s complaintI have investigated this matter with the assistance of *** ***, Vice President of Operations - TennesseeMs*** obtained a loan from our World Finance Corporation office in *** ***, Tennessee on June 16, in the amount of $and agreed to repay it in (12) monthly installments of $beginning July 16, Our records indicate the payoff as of the date of this letter is $1391.92. We ask our customers to contact the branch on or before their due date if their payment is going to be lateWhen our office didn't receive a payment or hear from Ms***, they contacted her on July 17, to remind her of her paymentShe advised the branch at this time that she would have a payment to the office the same dayAfter several broken promises a payment was finally received on August 14, and a second payment on October 23, (which was later returned for insufficient funds on November 5, 2015)The account was not brought current so the branch tried to contact Ms*** to work out other arrangements to help get the account current and to reestablish communication. Ms*** claims the branch refused to accept her payment of $in NovemberAt each loan signing the representative closing the loan explains the terms of the loan (which includes the amount financed, finance charges, payment amount and due date) to each customer and, if the customer agrees to the terms, the customer signs a loan contractFor the loan in dispute (#***) Ms*** agreed to repay the loan in the terms listed above and signed the contractAs the payments were previously agreed to at the loan signing, we were unable to accept anything less than the full contractual payment due at the time Ms*** came in the office ($including late fees as of the date of this letter). After a thorough investigation, the account was charged off due to non-payment on December 9, at which time all contact from the branch office ceasedWe apologize for any inconvience we may have caused in an attempt to reestablish communicationPlease be advised that Ms*** made a legal commitment to repay this loan and we ask that she contact our World Finance Corporation office in *** ***, Tennessee to work out suitable arrangements for her account. Sincerely, WORLD ACCEPTANCE CORPORATION
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.
In the companys response they are stating they CANNOT delete credit reporting which is a
lie. In fact they can. Credit laws only require you to report accurately if you do report. You are in control of whether or not you report at all and you do have the capability to request the CRAs to delete the listing. I am asking for a courtesy deletion due to the very unprofessional practices of your employees which almost caused me a job loss by caling my boss multiple times a day ....my work phone as well as my mothers....then coming to my house.....and being rude and cursing on the phone! If this is not resolved in a timely manner I promise you that we will take this case to court They are citing a credit law that is indeed correct that if you report an item you must report it correctly however your are NOT required to report it and you CAN delete it. I know credit laws.....and you are under no obligation to report a tradeline and can request removal of a tradeline as well via an e-OSCAR request
Regards,
*** ***
Please see the attached response.Thank youRE: ID # *** *** *** *** Dear Ms***: This will acknowledge your letter dated March 2, enclosing Ms*** complaint regarding her tax preparation with our ***, Wisconsin
branchI have investigated this matter with the assistance of: *** ***, Vice President; *** ***, Supervisor; and *** ***, our *** location Branch Manager. Ms*** visited the *** 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 *** office on February 20, to inquire about her state refund, branch manager *** *** 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*** contacted our Tax Tech help desk and discovered that Ms*** state tax return had been filed, but a particular form needed was mistakenly left out and was needed in order to complete the returnMr*** was instructed to print this form and send it to the state for proper filing and return processing, which he didMr*** also contacted Ms*** to let her know about the situation and that he had taken care of the issue. Ms*** later spoke with Ms***, who requested a refund of her fees paid for the tax preparation service. As a gesture of good customer service, Mr*** authorized Mr*** to refund 50% of the fees associated with the filing, since Ms*** did receive part of her return in a “timely manner.” Ms*** notified Ms*** 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*** future financial needs. Yours very truly, WORLD ACCEPTANCE CORPORATION *** ** ***
RE: ID #*** *** *** Dear Ms***:
"">This letter will acknowledge your letter of May 14, enclosing Mr*** complaint regarding the alleged denial of his credit application and problems with his loan processI have investigated the matter with *** *** Vice President, and our *** ***, Indiana branch employees. Mr*** initially applied for a $4,loan on April 15, which was deniedMr. *** did however qualify for a smaller loanUnfortunately, as Mr*** does state the branch employee did not properly check our internal system to see the previous charged-off account existed until after telling Mr*** he was approved for the smaller amountWe apologize for this over sight and for any inconvenience this may have caused Mr***. Please be assured that proper retraining regarding accurate loan closing has bene provided to the branch employees for future issues. Regardless, upon receipt of the complaint from your office, the smaller amount loan was approved and Mr*** 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 *** ** *** Vice President, Secretary and General Counsel
Revdex.com:
In response to World Finance my social is: ***A dispute has already been sent to the bureaus however, World Finance continues to provide the with informationThis matter should be corrected immediately as I do plan to get the Attorney
General involved
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
Regards,
*** ***
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 offerI 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: Revdex.com ID #*** *** *** Dear Ms***:
"">This letter will acknowledge your letter of July 8, enclosing Ms***s complaint regarding the financing amounts and partial payment for her accountI have investigated the matter with Supervisor *** *** and our ***, Idaho branch employees. Ms*** obtained a $(amount received) loan on March 6, from our ***, Idaho branch location and agreed to repay it in (9) monthly payments of $beginning on April 6, As of the date of this letter, a payment of $is due, as only $has been paidMs*** claims the loan “jumped from $to $900.” She received $in loan proceeds; however, the amount she will pay back over (9) months with all charges and fees will be $A copy of the contract detailing all amounts is attached. Regarding the partial payment issue, we can accept partial payments if received before the actual due dateOnce the payment becomes due, we do not accept partial payments as they will not move the account from past due status to current, which does not help the customer; only a full month’s payment can be accepted in order to properly age the accountThe branch manager has been trying to work with Ms*** on her paymentsWe received a payment on May 1, and no additional contact until May 12, 2015; the account was then held until June 3, Ms*** then contacted the branch that day and informed the manager of her medical conditionThe manager agreed to hold the account until July 3, at Ms***s request, but that promise to pay was brokenThe branch tried to call, but the phone has been disconnected and no additional contact has been made. It appears that our practices and responses have not violated any state or federal laws or regulations. W hile we are willing to work with Ms***, we request that she stay in contact with the local branch to Yoursmake anyvery necessary truly, arrangements and uphold her promises to pay. WORLD ACCEPTANCE CORPORATION *** ** *** Vice President, Secretary and General Counsel
This will acknowledge your letter dated April 19, enclosing *** ***'s complaintI have ">investigated this matter with the assistance of *** ***, Customer Relations and Compliance Project CoordinatorAfter a thorough investigation, we have found the accounts to be reporting accurately. We 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*** may want to direct his request to the CRAs. Sincerely, WORLD ACCEPTANCE CORPORATION *** ***
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.
Regards,
*** ***
I am rejecting the offer, because AGAIN I was not told of their policy on their night-dropAGAIN, had I been told, I WOULD NOT HAVE EVER USED THEIR NIGHT-DROPI believe the burden is on them, since they did not tell me until after the factI was told to get a copy of the money order, which I did, and it proved that I had indeed paid itI don't have that kind of extra money laying aroundThis is on them
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 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.
*** ***
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. 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,
*** ***
This will acknowledge your letter dated April 5, enclosing *** ***'s complaintAfter a thorough investigation, Ms*** did not provide sufficient information to identify her account(s)If she will send us her social security number, and, if available, the full account number, we will investigate her disputesAdditionally, if Ms*** disagrees with any information contained in her credit report regarding her account(s) with our company, we request that she please submit a proper direct dispute to the credit reporting agencies or to the below address. Compliance: Direct Disputes World Acceptance Corporation Post Office Box *** ***, SC 29606 Sincerely, WORLD ACCEPTANCE CORPORATION *** ***
Re:
ID #*** Dear Ms***: This will acknowledge your letter dated Septembe 17, enclosing *** *** complaintI have investigated this matter with the assistance of *** ***, Vice President of Operations - Indiana; and *** *** District SupervisorMr*** co-signed with *** *** 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, 2015. When no payment was received in July, the branch contacted Mr*** and Ms*** to notify them that a pyament had not been receivedThe branch continued to contact Mr*** and Ms*** to discuss payment arrangements, but no contact was made and only messages were leftThe branch made additonal attempts to reestablish communication with Mr*** and Ms*** through the numbers and addresses providedThe branch was able to speak with Ms. *** on September 2, when she made a promise to pay, however this promise was broken. After a thorough investigation, no further contact will be made with Mr*** or Ms***. Please be advised that Mr*** made a legal commitment to repay this loan and we ask that he contact branch manager *** *** at our World FInance Corporation office in New Albany, Indiana to work out suitable arrangements for this account. Sincerely, WORLD ACCEPTANCE CORPORATION
Re: Complaint ID #***
Dear Ms***: 11px">This will acknowledge your letter dated November 16, enclosing *** ***-*** complaintI have investigated this matter with the assistance of *** ***, Vice President of Operations - Oklahoma; and *** ***, Didstrict SupervisorMs***-*** obtained a loan from our World Acceptance Corporation office in ** ***, Oklahoma on December 11, 2014 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, 2015. Ms***-*** previously contacted our home office to file a complaint on November 16, 2015 regarding the handling of the payoff on her accountMs***-*** 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 payment. After 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***-*** on November 17, 2015. Sincerely, WORLD ACCEPTANCE CORPORATION *** *** Vice President Corporate Compliance