In The Light Photography

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: Revdex.com ID #[redacted] Dear Ms. [redacted]: This letter will acknowledge your letter of July 8, 2015 enclosing Ms. [redacted]s complaint regarding the financing amounts and partial payment for her account. I have investigated the matter with Supervisor [redacted] and...

our [redacted], Idaho branch employees. Ms. [redacted] obtained a $658.77 (amount received) loan on March 6, 2015 from our [redacted], Idaho branch location and agreed to repay it in (9) monthly payments of $100.00 beginning on April 6, 2015. As of the date of this letter, a payment of $337.50 is due, as only $100.00 has been paid. Ms. [redacted] claims the loan “jumped from $638 to $900.” She received $658.77 in loan proceeds; however, the amount she will pay back over (9) months with all charges and fees will be $900.00. 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 date. Once 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 account. The branch manager has been trying to work with Ms. [redacted] on her payments. We received a payment on May 1, 2015 and no additional contact until May 12, 2015; the account was then held until June 3, 2015. Ms. [redacted] then contacted the branch that day and informed the manager of her medical condition. The manager agreed to hold the account until July 3, 2015 at Ms. [redacted]s request, but that promise to pay was broken. The 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: Complaint No. [redacted] 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]

[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]

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

Re: ID # [redacted] 
Dear Ms. [redacted]: 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 11139854, and have determined that this does not resolve my complaint. 
[To assist us in bringing this matter to a close, Please let us know below why you are rejecting the offer...

made by the business.]
Regards,
Jodi Lynn Haupt I read the letter and there is no offer. I made a payment for the tax loan and just mailed the other payment yesterday,I am making payments but will not be paying the last two payments that they lost.

Re: ID[redacted] Dear Ms. [redacted]: This will acknowledge your letter dated March 6, 2017 enclosing [redacted]'s complaint. I have investigated this matter with the assistance of Don G[redacted], District Supervisor - Texas. Ms. [redacted] filed her tax return with our World Finance...

Corporation office in [redacted], Texas on January 30, 2017. 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 weeks. District Supervisor, Don G[redacted], contacted a representative at [redacted] (the company and software we use to file our customers’ taxes) and verified that Ms. [redacted]’s tax return was filed correctly on January 30, 2017. However, Ms. [redacted] did not supply the branch office with all of the proper forms, as she was missing the [redacted] form. On 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 return. The branch office immediately contacted [redacted] on that day and submitted the missing form which delayed Ms. [redacted]’s tax return for up to four weeks. Mr. G[redacted] contacted Ms. [redacted] to discuss this with her and she advised she would be in contact with the IRS herself going forward. After a thorough investigation, we have found that the branch office did not file Ms. [redacted]’s tax return incorrectly and that they were simply missing a form that was to be provided by her at the time of filing. Sincerely, WORLD ACCEPTANCE CORPORATION Ellen H[redacted] Manager, 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]

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]