RE: Revdex.com ID #[redacted] Dear Ms[redacted]:
"">This letter will acknowledge your letter of July 8, enclosing Ms[redacted]s complaint regarding the financing amounts and partial payment for her accountI have investigated the matter with Supervisor [redacted] and our [redacted], Idaho branch employees. Ms[redacted] obtained a $(amount received) loan on March 6, from our [redacted], 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[redacted] 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[redacted] 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[redacted] 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[redacted]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[redacted], 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 [redacted] Vice President, Secretary and General Counsel
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 employees. Mr[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 issues. Regardless, 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
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 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,
[redacted]
This will acknowledge your letter dated April 5, 2016 enclosing [redacted]'s complaint. After a thorough investigation, Ms. [redacted] 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 disputes. Additionally, if Ms. [redacted] 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 [redacted] [redacted], SC 29606 Sincerely, WORLD ACCEPTANCE CORPORATION [redacted]
Please see the attached response.Thank you.
RE: ID # [redacted] Dear Ms. [redacted]: This will acknowledge your letter dated March 2, 2015 enclosing Ms. [redacted] complaint regarding her tax preparation with our [redacted], Wisconsin...
branch. I have investigated this matter with the assistance of: [redacted], Vice President; [redacted], Supervisor; and [redacted], our [redacted] location Branch Manager. Ms. [redacted] visited the [redacted] location on February 4, 2015 to have her 2014 taxes prepared. As she states in her complaint, she received her federal refund in “a timely manner.” When she called the [redacted] office on February 20, 2015 to inquire about her state refund, branch manager [redacted] explained to Ms. [redacted] that her preparer was no longer with the company and he would have to do some investigation and get back to her. Mr. [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 return. Mr. [redacted] was instructed to print this form and send it to the state for proper filing and return processing, which he did. Mr. [redacted] also contacted Ms. [redacted] to let her know about the situation and that he had taken care of the issue. Ms. [redacted] later spoke with Ms. [redacted], who requested a refund of her fees paid for the tax preparation service. As 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. [redacted] 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 fees. We apologize for any inconvenience this may have caused Ms. [redacted]. 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 satisfaction. We look forward to servicing the Ms. [redacted] future financial needs. Yours very truly, WORLD ACCEPTANCE CORPORATION [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 refuse to accept this offer. This isludacirs andyou CAN DELETE tradelines. If you do not delete this record I will take this matter to court and prosecute your company to the furthest extent of the law
Regards,
[redacted]
If a company chooses to report to the bureaus, then they must report accurately. We report and we report accurately. Ms. [redacted] 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 convenience.
Thank you.
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.
Regards,
[redacted]
RE: ID #[redacted] Dear Ms. [redacted]: 11px; font-family: Verdana;">This will acknowledge your letter dated May 12, 2015 enclosing Ms. [redacted]’ complaint. I 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 employees. Ms. [redacted] obtained a $931.04 (amount financed) loan from our Mission branch on April 9, 2015 and agreed to repay the loan in (10) monthly installments of $135.00 beginning May 9, 2015. Ms. [redacted] went in to the branch to inquire about paying her account off early. The 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 more. Interest 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 $418.96 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 basis. Ms. [redacted] paid off the account on May 18, 2015; $243.76 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 laws. If I can be of any further assistance, do not hesitate to contact me. Yours very truly, WORLD ACCEPTANCE CORPORATION [redacted] Vice President, Associate General Counsel and Assistant Secretary
ID #[redacted] Dear Ms. [redacted]: This will acknowledge your letter dated Septembe 17, 2015 enclosing [redacted] complaint. I have investigated this matter with the assistance of [redacted], Vice President of Operations - Indiana; and [redacted] District Supervisor. Mr. [redacted] co-signed with [redacted] for a loan (#[redacted]) obtained from our World Finance Corporation office in New Albany, Indiana on May 21, 2015 in the amount of $1442.00 and agreed to repay it in (14) monthly installments of $103.00 beginning July 5, 2015. 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. [redacted] and Ms. [redacted] to notify them that a pyament had not been received. The branch continued to contact Mr. [redacted] and Ms. [redacted] to discuss payment arrangements, but no contact was made and only messages were left. The branch made additonal attempts to reestablish communication with Mr. [redacted] and Ms. [redacted] through the numbers and addresses provided. The branch was able to speak with Ms. [redacted] on September 2, 2015 when she made a promise to pay, however this promise was broken. After a thorough investigation, no further contact will be made with Mr. [redacted] or Ms. [redacted]. 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 account. Sincerely, WORLD ACCEPTANCE CORPORATION
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 number. I 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 check. He stated that he would see what he could do to help me. If 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 years. I 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]
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: Complaint ID #[redacted]
Dear Ms. [redacted]: 11px; font-family: Verdana;">This will acknowledge your letter dated November 16, 2015 enclosing [redacted]-[redacted] complaint. I have investigated this matter with the assistance of [redacted], Vice President of Operations - Oklahoma; and [redacted], Didstrict Supervisor. Ms. [redacted]-[redacted] obtained a loan from our World Acceptance Corporation office in [redacted], Oklahoma on December 11, 2014 in the amount of $1500.00 and agreed to repay it in (12) monthly installments of $125.00 beginning January 11, 2015. Our records indicate this account was paid off on February 4, 2015. Ms. [redacted]-[redacted] previously contacted our home office to file a complaint on November 16, 2015 regarding the handling of the payoff on her account. Ms. [redacted]-[redacted] contacted our branch January 28, 2015 and requested a payoff on her account, at which time she was quoted a payoff for that date in the amount of $1145.77. On February 4, 2015, a check was received at the office in the amount of $1154.91. 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 caused. We have since corrected the account to indicate its payoff as of February 4, 2015. A copy of the paid out contract and the receipt showing the payoff were mailed to Ms. [redacted]-[redacted] on November 17, 2015. Sincerely, WORLD ACCEPTANCE CORPORATION [redacted] Vice President Corporate Compliance
Re: Complaint No. [redacted]
Verdana;">Dear Ms. [redacted]: This will acknowledge [redacted]’s complaint filed with the Revdex.com on November 28, 2016. I have investigated this matter with the assistance of Mary C[redacted], Credit Validation and Customer Service Associate. Our records indicate that World Acceptance Corporation received a dispute from Ms. [redacted] about her account on August 24, 2016. We responded to Ms. [redacted] on August 30, 2016 and explained that we require more information than provided before we are able to supply Ms.[redacted] with the documents she has requested. As 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 dispute. Once 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 above. After 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[redacted] Director, Corporate Compliance [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 5-10 business days because it only took...
6 days the previous year. HE NEVER TOLD ME 21 DAYS UNTIL I CALLED TO COMPLAIN
Regards,
[redacted]
Re: ID # [redacted]
Dear Ms. [redacted]: font-family: Verdana;">This will acknowledge your letter dated June 27, 2016 enclosing [redacted]'s complaint. Unfortunately, Mr. [redacted] did not provide sufficient information in order to investigate the accounts he claims are reporting inaccurately. If 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 accordingly. Nevertheless, 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 data. If 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 dispute. Once we receive that information, we will open an investigation and supply Mr. [redacted] with copies of any additional documentation he requests. Sincerely, 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 action. It is...
indicated in the response from World Finance, that documenttion was sent. The 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 Finance. There is no evidence of a receipt and signature from any certified letters sent from World Finance to me. I 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 anything. Also, per the Truth Lending Act, World Finance is completely obligated to send monthly statements if interest is still charged after an account is closed. The laws of the Truth Lending Act applies to any state that the lender is operating in, regardless of what state the corporate office is located. Again, I am making every effort to resolve the matter without having to take legal action. I 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 resolution. If World Finance refuses my resolution request, I will be forced to take legal action.
Regards,
[redacted]
Please see response attached.
Thank you.
RE: ID #[redacted] Dear Revdex.com: This letter will acknowledge the complaint of March 6, 2015 enclosing Ms. [redacted] allegations of harassing calls. I have investigated this matter with the assistance of...
[redacted], Vice President of Operations for Alabama and our [redacted], Alabama branch employees. Ms. [redacted] obtained a loan from our [redacted] location on November 24, 2014 and agreed to repay it in (12) monthly payments of $110.00 beginning on December 24, 2014. As of the date of this letter, two payments have been made; a total of $128.00 is past due on the account and will increase to $238.00 on March 24, 2015. When Ms. [redacted] missed her first payment due on December 24, 2014, the branch did call her as a reminder. She then called the branch later that day andst promised to pay on December 26, 2014. When that promise was broken, the branch did call her on the 31 as a courtesy reminder and she went in to make the payment that day. When the next payment became due, a reminder text was sent on January 16, 2014; again, Ms. [redacted] called the branch that day and promised to pay again on January 26, 2015 which she did. No other calls were made until Marchrd 2, th2015;th the branchth attempted contact on that day as well as once a day (as is allowed by law) on March 3 , 4 , 5 and 6 ; however, no actual contact was made and only voicemails were left these days for Ms. [redacted] to call the branch. Upon receipt of your letter, we have notated the account accordingly and no further calls have been or will be made to Ms. [redacted]. She should be aware that even though she has chosen a cease on this debt, she did sign a legal commitment to repay the money loaned to her; we request that Ms. [redacted] stay in touch with the branch in order to work out an amicable way to repay the loan. After a thorough investigation, it does not appear that our collection activities have violated any applicable state or federal laws. While we will cease future communications per her request, the branch may choose to exercise any remedies allowed to us by law and in equity regarding the debt. Additionally, late charges and interest will continue to accrue as applicable and we cannot delete any credit history information including late payments. The reporting of accurate data is an essential obligation of data furnishers under the Fair Credit Reporting Act §623. Sincerely, WORLD ACCEPTANCE CORPORATION [redacted]
Re: Complaint No. [redacted] Dear Mr. [redacted]: This will acknowledge your complaint filed with the Revdex.com on November 14, 2016. I have investigated this matter with the assistance of Kendra W[redacted], Customer Relations and Credit Validation Associate. We understand that you have been receiving unwanted mail solicitations from World Acceptance Corporation and we apologize for the inconvenience this may have caused. We have recently switched vendors and updated our records to ensure that your name has been removed from our solicitation list. You should not receive any future mailings from World Acceptance Corporation at your address. Sincerely, WORLD ACCEPTANCE CORPORATION Robyn Y[redacted] Vice President Corporate Compliance
This will acknowledge your letter dated April 19, 2016 enclosing [redacted]'s complaint. I have
font-family: Verdana;">investigated this matter with the assistance of [redacted], Customer Relations and Compliance Project Coordinator. After 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. [redacted]’s request to remove accurate data. It is solely the responsibility of the CRAs to comply with the laws regarding how long information remains on a consumer’s credit report. Accordingly, we cannot grant Mr. [redacted]’s request to remove outdated information, however Mr. [redacted] may want to direct his request to the CRAs. Sincerely, WORLD ACCEPTANCE CORPORATION [redacted]
RE: Revdex.com ID #[redacted] Dear Ms[redacted]:
"">This letter will acknowledge your letter of July 8, enclosing Ms[redacted]s complaint regarding the financing amounts and partial payment for her accountI have investigated the matter with Supervisor [redacted] and our [redacted], Idaho branch employees. Ms[redacted] obtained a $(amount received) loan on March 6, from our [redacted], 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[redacted] 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[redacted] 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[redacted] 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[redacted]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[redacted], 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 [redacted] Vice President, Secretary and General Counsel
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 employees. Mr[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 issues. Regardless, 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
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 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,
[redacted]
This will acknowledge your letter dated April 5, 2016 enclosing [redacted]'s complaint. After a thorough investigation, Ms. [redacted] 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 disputes. Additionally, if Ms. [redacted] 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 [redacted] [redacted], SC 29606 Sincerely, WORLD ACCEPTANCE CORPORATION [redacted]
Please see the attached response.Thank you.
RE: ID # [redacted] Dear Ms. [redacted]: This will acknowledge your letter dated March 2, 2015 enclosing Ms. [redacted] complaint regarding her tax preparation with our [redacted], Wisconsin...
branch. I have investigated this matter with the assistance of: [redacted], Vice President; [redacted], Supervisor; and [redacted], our [redacted] location Branch Manager. Ms. [redacted] visited the [redacted] location on February 4, 2015 to have her 2014 taxes prepared. As she states in her complaint, she received her federal refund in “a timely manner.” When she called the [redacted] office on February 20, 2015 to inquire about her state refund, branch manager [redacted] explained to Ms. [redacted] that her preparer was no longer with the company and he would have to do some investigation and get back to her. Mr. [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 return. Mr. [redacted] was instructed to print this form and send it to the state for proper filing and return processing, which he did. Mr. [redacted] also contacted Ms. [redacted] to let her know about the situation and that he had taken care of the issue. Ms. [redacted] later spoke with Ms. [redacted], who requested a refund of her fees paid for the tax preparation service. As 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. [redacted] 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 fees. We apologize for any inconvenience this may have caused Ms. [redacted]. 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 satisfaction. We look forward to servicing the Ms. [redacted] future financial needs. Yours very truly, WORLD ACCEPTANCE CORPORATION [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 refuse to accept this offer. This isludacirs andyou CAN DELETE tradelines. If you do not delete this record I will take this matter to court and prosecute your company to the furthest extent of the law
Regards,
[redacted]
If a company chooses to report to the bureaus, then they must report accurately. We report and we report accurately. Ms. [redacted] 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 convenience.
Thank you.
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.
Regards,
[redacted]
RE: ID #[redacted] Dear Ms. [redacted]: 11px; font-family: Verdana;">This will acknowledge your letter dated May 12, 2015 enclosing Ms. [redacted]’ complaint. I 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 employees. Ms. [redacted] obtained a $931.04 (amount financed) loan from our Mission branch on April 9, 2015 and agreed to repay the loan in (10) monthly installments of $135.00 beginning May 9, 2015. Ms. [redacted] went in to the branch to inquire about paying her account off early. The 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 more. Interest 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 $418.96 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 basis. Ms. [redacted] paid off the account on May 18, 2015; $243.76 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 laws. If I can be of any further assistance, do not hesitate to contact me. Yours very truly, WORLD ACCEPTANCE CORPORATION [redacted] Vice President, Associate General Counsel and Assistant Secretary
Re:...
ID #[redacted] Dear Ms. [redacted]: This will acknowledge your letter dated Septembe 17, 2015 enclosing [redacted] complaint. I have investigated this matter with the assistance of [redacted], Vice President of Operations - Indiana; and [redacted] District Supervisor. Mr. [redacted] co-signed with [redacted] for a loan (#[redacted]) obtained from our World Finance Corporation office in New Albany, Indiana on May 21, 2015 in the amount of $1442.00 and agreed to repay it in (14) monthly installments of $103.00 beginning July 5, 2015. 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. [redacted] and Ms. [redacted] to notify them that a pyament had not been received. The branch continued to contact Mr. [redacted] and Ms. [redacted] to discuss payment arrangements, but no contact was made and only messages were left. The branch made additonal attempts to reestablish communication with Mr. [redacted] and Ms. [redacted] through the numbers and addresses provided. The branch was able to speak with Ms. [redacted] on September 2, 2015 when she made a promise to pay, however this promise was broken. After a thorough investigation, no further contact will be made with Mr. [redacted] or Ms. [redacted]. 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 account. Sincerely, WORLD ACCEPTANCE CORPORATION
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 number. I 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 check. He stated that he would see what he could do to help me. If 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 years. I 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]
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: Complaint ID #[redacted]
Dear Ms. [redacted]: 11px; font-family: Verdana;">This will acknowledge your letter dated November 16, 2015 enclosing [redacted]-[redacted] complaint. I have investigated this matter with the assistance of [redacted], Vice President of Operations - Oklahoma; and [redacted], Didstrict Supervisor. Ms. [redacted]-[redacted] obtained a loan from our World Acceptance Corporation office in [redacted], Oklahoma on December 11, 2014 in the amount of $1500.00 and agreed to repay it in (12) monthly installments of $125.00 beginning January 11, 2015. Our records indicate this account was paid off on February 4, 2015. Ms. [redacted]-[redacted] previously contacted our home office to file a complaint on November 16, 2015 regarding the handling of the payoff on her account. Ms. [redacted]-[redacted] contacted our branch January 28, 2015 and requested a payoff on her account, at which time she was quoted a payoff for that date in the amount of $1145.77. On February 4, 2015, a check was received at the office in the amount of $1154.91. 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 caused. We have since corrected the account to indicate its payoff as of February 4, 2015. A copy of the paid out contract and the receipt showing the payoff were mailed to Ms. [redacted]-[redacted] on November 17, 2015. Sincerely, WORLD ACCEPTANCE CORPORATION [redacted] Vice President Corporate Compliance
Re: Complaint No. [redacted]
Verdana;">Dear Ms. [redacted]: This will acknowledge [redacted]’s complaint filed with the Revdex.com on November 28, 2016. I have investigated this matter with the assistance of Mary C[redacted], Credit Validation and Customer Service Associate. Our records indicate that World Acceptance Corporation received a dispute from Ms. [redacted] about her account on August 24, 2016. We responded to Ms. [redacted] on August 30, 2016 and explained that we require more information than provided before we are able to supply Ms.[redacted] with the documents she has requested. As 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 dispute. Once 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 above. After 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[redacted] Director, Corporate Compliance [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 5-10 business days because it only took...
6 days the previous year. HE NEVER TOLD ME 21 DAYS UNTIL I CALLED TO COMPLAIN
Regards,
[redacted]
Re: ID # [redacted]
Dear Ms. [redacted]: font-family: Verdana;">This will acknowledge your letter dated June 27, 2016 enclosing [redacted]'s complaint. Unfortunately, Mr. [redacted] did not provide sufficient information in order to investigate the accounts he claims are reporting inaccurately. If 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 accordingly. Nevertheless, 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 data. If 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 dispute. Once we receive that information, we will open an investigation and supply Mr. [redacted] with copies of any additional documentation he requests. Sincerely, 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 action. It is...
indicated in the response from World Finance, that documenttion was sent. The 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 Finance. There is no evidence of a receipt and signature from any certified letters sent from World Finance to me. I 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 anything. Also, per the Truth Lending Act, World Finance is completely obligated to send monthly statements if interest is still charged after an account is closed. The laws of the Truth Lending Act applies to any state that the lender is operating in, regardless of what state the corporate office is located. Again, I am making every effort to resolve the matter without having to take legal action. I 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 resolution. If World Finance refuses my resolution request, I will be forced to take legal action.
Regards,
[redacted]
Please see response attached.
Thank you.
RE: ID #[redacted] Dear Revdex.com: This letter will acknowledge the complaint of March 6, 2015 enclosing Ms. [redacted] allegations of harassing calls. I have investigated this matter with the assistance of...
[redacted], Vice President of Operations for Alabama and our [redacted], Alabama branch employees. Ms. [redacted] obtained a loan from our [redacted] location on November 24, 2014 and agreed to repay it in (12) monthly payments of $110.00 beginning on December 24, 2014. As of the date of this letter, two payments have been made; a total of $128.00 is past due on the account and will increase to $238.00 on March 24, 2015. When Ms. [redacted] missed her first payment due on December 24, 2014, the branch did call her as a reminder. She then called the branch later that day andst promised to pay on December 26, 2014. When that promise was broken, the branch did call her on the 31 as a courtesy reminder and she went in to make the payment that day. When the next payment became due, a reminder text was sent on January 16, 2014; again, Ms. [redacted] called the branch that day and promised to pay again on January 26, 2015 which she did. No other calls were made until Marchrd 2, th2015;th the branchth attempted contact on that day as well as once a day (as is allowed by law) on March 3 , 4 , 5 and 6 ; however, no actual contact was made and only voicemails were left these days for Ms. [redacted] to call the branch. Upon receipt of your letter, we have notated the account accordingly and no further calls have been or will be made to Ms. [redacted]. She should be aware that even though she has chosen a cease on this debt, she did sign a legal commitment to repay the money loaned to her; we request that Ms. [redacted] stay in touch with the branch in order to work out an amicable way to repay the loan. After a thorough investigation, it does not appear that our collection activities have violated any applicable state or federal laws. While we will cease future communications per her request, the branch may choose to exercise any remedies allowed to us by law and in equity regarding the debt. Additionally, late charges and interest will continue to accrue as applicable and we cannot delete any credit history information including late payments. The reporting of accurate data is an essential obligation of data furnishers under the Fair Credit Reporting Act §623. Sincerely, WORLD ACCEPTANCE CORPORATION [redacted]
Re: Complaint No. [redacted] Dear Mr. [redacted]: This will acknowledge your complaint filed with the Revdex.com on November 14, 2016. I have investigated this matter with the assistance of Kendra W[redacted], Customer Relations and Credit Validation Associate. We understand that you have been receiving unwanted mail solicitations from World Acceptance Corporation and we apologize for the inconvenience this may have caused. We have recently switched vendors and updated our records to ensure that your name has been removed from our solicitation list. You should not receive any future mailings from World Acceptance Corporation at your address. Sincerely, WORLD ACCEPTANCE CORPORATION Robyn Y[redacted] Vice President Corporate Compliance
This will acknowledge your letter dated April 19, 2016 enclosing [redacted]'s complaint. I have
font-family: Verdana;">investigated this matter with the assistance of [redacted], Customer Relations and Compliance Project Coordinator. After 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. [redacted]’s request to remove accurate data. It is solely the responsibility of the CRAs to comply with the laws regarding how long information remains on a consumer’s credit report. Accordingly, we cannot grant Mr. [redacted]’s request to remove outdated information, however Mr. [redacted] may want to direct his request to the CRAs. Sincerely, WORLD ACCEPTANCE CORPORATION [redacted]