In The Light Photography

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how long information remains on a consumer’s credit reportAccordingly, we cannot grant Mr***’s request to remove outdated information, however Mr [redacted] may want to direct his request to the CRAsSincerely, WORLD ACCEPTANCE CORPORATION [redacted]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 [redacted] , and have determined that this does not resolve my complaint Regards, [redacted]

Re: ID [redacted] Dear MsR***: This will acknowledge [redacted] ’s complaint filed on behalf of [redacted] I have investigated this matter with the assistance of Stormy U***, District Supervisor – IllinoisMs [redacted] obtained a loan from our World Finance Corporation office in [redacted] , Illinois on August 3, in the amount of $and agreed to repay it in (12) monthly installments of $beginning September 3, Our records indicate a payment of $is currently due on the accountIn the complaint, Ms [redacted] ’s daughter, [redacted] , stated that she put a cash payment under the branch door and that the branch office stole her money as Ms [redacted] was contacted about a missing paymentThe branch office never received the payment and were unable to find $in cash anywhere in the branchThe branch manager reviewed camera footage from a store beside the branch and did see Ms [redacted] approach the branch door before returning to her vehicleHowever, there is a sign posted on the branch door stating that World Acceptance Corporation is not responsible for cash left in a night drop slot for paymentsThis particular branch doesn’t have a night drop slot, so the cash payment would have been placed beneath the doorDistrict Supervisor, Stormy U***, contacted Ms [redacted] on February 23, to explain the investigation process and apologize for the lost cash as the branch office has been unable to find the cash payment Ms [redacted] claims she madeAfter a thorough investigation, MsU [redacted] offered to take care of half of the cash payment and waive any late fees accrued due to the investigationMs [redacted] agreed that she understood the situation and appreciated our willingness to correct the issueAlso, a decision has been made to seal the bottom of the branch door and have a proper night drop slot installed for payments made outside of business hoursSincerely, WORLD ACCEPTANCE CORPORATION Ellen H*** Manager, Compliance ***

E: Revdex.com ID # [redacted] *** Dear Ms [redacted] : This letter will acknowledge your letter of August 14, enclosing Ms [redacted] complaint alleging harassing collection calls and visits to her place of employmentI have investigated the matter with *** [redacted] , Vice President, and our Mission, Texas branch employeesMs [redacted] obtained a loan on June 13, from our Mission branch location and agreed to repay it in (8) monthly payments of $beginning on July 13, As of the date of this letter, a payment of $is past dueDue to her delinquency and missing the first payment due on her first loan with us, we did attempt to contact Ms [redacted] through the telephone numbers and addresses provided by her at loan closingWhen numerous calls were unanswered and messages were unreturned, the branch employees did attempt to make contact by calling the place of employment, but no requests to cease contact via the job were ever receivedThe number provided by Ms [redacted] on her application as her cell number is in fact the number she is claims is her work number, as she is the owner ofth her company (***th Income Tax)The branch has only actually spoken to Ms [redacted] twice—on August and again August ; on both days, she promised to be in that sameth day, but both promises were brokenMs***’ complaint alleges that [redacted] called on Augustth and threatened to visit her work to collect, but we have no record of him even speakingth to her on the Subsequently, the branch employees visited the residence on the evening of August , but only left a sealed notice on the door as no one was homeUpon receipt of the complaint from your office, the account has been notated and no future calls or visits will be made to the place of employmentMs [redacted] should be aware that she did make a legal commitment to repay the money loaned to her; it is in her best interests to stay in touch with the branch to work out a way to repay her loanAfter a thorough investigation, it does not appear that our collection activities have violated any applicable state or federal lawsThe branch has not called “times a day from different numbers” as Ms [redacted] claimsA copy of the collection call of is attached detailing the call times datesAlso, we cannot delete any credit history information including late paymentsThe reporting of accurate data is an essential obligation of data furnishers under the Fair Credit Reporting Act §If I can be of any further assistance, please do not hesitate to contact meWORLD ACCEPTANCE CORPORATION [redacted] Vice President, Secretary and General Counsel

Re: ID [redacted] Dear Ms [redacted] : This will acknowledge your letter dated March 6, enclosing [redacted] ***'s complaintI have investigated this matter with the assistance of Don G***, District Supervisor - TexasMs*** filed her tax return with our World Finance Corporation office in [redacted] ***, Texas on January 30, Ms [redacted] stated in her complaint that she received a call from the IRS regarding missing documentation and that this caused her tax return to be delayed by several weeksDistrict Supervisor, Don G***, contacted a representative at [redacted] (the company and software we use to file our customers’ taxes) and verified that Ms***’s tax return was filed correctly on January 30, However, Ms [redacted] did not supply the branch office with all of the proper forms, as she was missing the [redacted] formOn February 23, 2017, Ms [redacted] returned to the branch office with the [redacted] form and explained that she had been advised by the IRS that all the necessary information was not submitted for her returnThe branch office immediately contacted [redacted] on that day and submitted the missing form which delayed Ms***’s tax return for up to four weeksMrG [redacted] contacted Ms [redacted] to discuss this with her and she advised she would be in contact with the IRS herself going forwardAfter a thorough investigation, we have found that the branch office did not file Ms***’s tax return incorrectly and that they were simply missing a form that was to be provided by her at the time of filingSincerely, WORLD ACCEPTANCE CORPORATION Ellen H*** Manager, Compliance ***

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] [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 meYours truly, WORLD ACCEPTANCE CORPORATION [redacted] Vice President, Secretary and General Counsel

Dear MsK***: This will acknowledge your letter dated November 13, enclosing MsT***'s complaintI have investigated this matter with the assistance of K [redacted] B [redacted] - Credit Validation AssociateMsT [redacted] obtained a loan from our World Finance Corporation office in [redacted] , Tennessee on July 1, in the amount of $and agreed to repay it in (26) monthly installments of $beginning August 1, Our records indicate a balance of is due on the account as of the date of this letterIn her complaint, MsT [redacted] states that she has not received a bill from World in over monthsWorld does not send out monthly statements to our customersMsT [redacted] also requests copies of her loan documents from this loanHowever, if MsT [redacted] wishes, she can visit her local branch to review her current standings and get information on what is owed on her accountShe can also request copies of her loan documents at that timeAfter a thorough investigation, it was determined that the information reporting to the CRA's are correctWe furnish all credit information fully and accuratley to the credit reporting agencies and accordingly, we will not grant your request to remove accurate and factual datasIf MsT [redacted] will visit the branch, she can obtain all information that she is requestingSincerely, WORLD ACCEPTANCE CORPORATION K [redacted] P [redacted] Director of Compliance

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, S [redacted] A [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]

Re: ID # [redacted] Dear Ms [redacted] : This will acknowledge [redacted] ***’s complaint filed through the Revdex.comIn his complaint, Mr [redacted] stated that our company has submitted claims for his deceased mother’s past due accountMr***’s mother, [redacted] ***, did have accounts with our World Finance Corporation office in [redacted] ***, Tennessee (# [redacted] ) and [redacted] , Georgia (# [redacted] )The accounts were charged off in September and November respectively, and we sent letters to Ms [redacted] on January 31, offering a settlement on each accountIt had not been coded in our system to reflect that Ms [redacted] was deceased and we apologize for any inconvenience this may have causedThis issue has now been corrected in our system and we have added additional notes to Ms***’s accounts to ensure this doesn’t happen againIn addition, if Mr [redacted] will provide a death certificate to our World Finance Corporation office in [redacted] , Georgia, we can file a life claim on this account (# [redacted] )Sincerely, WORLD ACCEPTANCE CORPORATION Ellen H*** Manager, Compliance ***

Re: Complaint No [redacted] 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 Associate Our 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 ***

Dear Ms. [redacted] : This will acknowledge your letter dated January 13, 2016 enclosing [redacted] s complaint. I have investigated this matter with the assistance of [redacted] , Vice President of Operations - Georgia; and [redacted] , District Supervisor. Ms. [redacted] obtained a... loan from our World Finance Corporation office in [redacted] , Georgia on April 29, 2015 in the amount of $1122.00 and agreed to repay it in (11) monthly installments of $102.00 beginning May 29, 2015. Our records indicate a payment of $103.00 is due on February 5, 2016. When no payment was received in May, the branch attempted to contact Ms. [redacted] to notfiy her a payment had not been received. A payment was later received June 29, 2015, however Ms. *** was still due for another payment. When subsequent payments were not received, the branch attempted to contact Ms. [redacted] at the numbers and addresses provided at the loan closing, however only messages were left. After a thorough investigation, Ms. [redacted] has spoken with District Supervisor [redacted] and worked out suitable arrangements for her account. We additionally have stopped the garnishment process. In the future, we ask that Ms. [redacted] contact Branch Manager [redacted] on or before her due date if she needs additional time to make her payment. Sincerely, WORLD ACCEPTANCE CORPORATION [redacted] Vice President 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

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

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]

K*** K*** via email ***@***.org) Re: ID #: *** Dear MsK***: This will acknowledge your letter dated October 31, enclosing S*** S***'s complaintI have investigated this matter with the assistance of K*** B***, Credit Validation AssociateMs
S*** obtained a loan from our World Finance Corporation office in ***, Louisiana on May 5, in the amount of $and agreed to repay it in (8) monthly installments of $beginning June 5, Our records indicate a balance of $is due on this account as of the date of this letterIn MsS***'s complaint, she states that a payment was charged to her bank account that was not hersMsS*** also states that she feels as though she received no help in correcting the errorOn October 27, a charge was incorrectly posted on MsS***'s accountThe branch noted the error and voided this charge the same dayMsS*** was refunded by her bank the following business dayAfter a thorough investigation, it was determind that the error on October 27, was noted and corrected on the same day, however, the bank did not refund the monies until the following business dayWe apologize for any inconvenience this may have causedSincerely, WORLD ACCEPTANCE CORPORATION E*** H*** Manager, Compliance

Dear Ms***: This will acknowledge your letter dated February 23, enclosing *** ***'s rebuttal complaintI have again investigated this matter with the assistance of *** ***, Vice President of Operations - Indiana; and *** ***, District Supervisor. When customers file their taxes with our offices, our associates advise them that their refund may be received within 5-business days as this is an average time for the IRS to process returnsWe define business days as Monday through FridayMs*** filed her taxes on January 22, and 10 business days from that date would be February 5, However, Ms*** did not receive her refund until business days later on February 10, As stated previously, the IRS system was down nationwide for a day period February 1-3, which may have caused a delay in the IRS processing received returns and issuing refunds as promisedThis day breakdown in the IRS system may possibly be the reason that Ms***’ refund was delayed past the estimated 5-business day average. After a thorough investigation, we apologize for any inconvenience this may have caused.. Sincerely, WORLD ACCEPTANCE CORPORATION *** *** Vice President Corporate Compliance

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,
*** ***

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