Business Profile

Consumer Finance Companies

World Acceptance Corporation

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Complaints

This profile includes complaints for World Acceptance Corporation's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

233 total complaints in the last 3 years.
64 complaints closed in the last 12 months.

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The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:03/01/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am writing due to a number of reason due to the fact that World Finance has completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. This company has also violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions 15 U.S.C 1681c. (a)(5) Section States: no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This company repeatedly reports that I owe an balance to the credit bureaus. Do not update any information, remove the negative account from my credit report, further actions will be conducted if the account isn’t removed. This account is reporting inaccurate repeatedly.
Business Response
Date: 03/27/2023
March 10, 2023

Cindy R*****
Better Business Bureau
408 North Church Street, Ste C
Greenville SC 29601

Re: World Finance Company of Georgia, LLC (“World”)
Consumer: ********* ********
Complaint ID: ********

Dear Ms. R*****:

This letter is in response to the above-referenced complaint filed with your office on February 28, 2023,
and received by our offices on March 1, 2023.

Ms. ******** obtained her account from our Waynesboro, GA office on July 21, 2016, in the amount of
$837.00 and agreed to repay it in (9) monthly installments of $93.00 beginning August 21, 2016. Six
payments totaling $689.27 were received on the account. The account was charged off due to non-
payment on October 16, 2017, and the date of first delinquency is listed as February 28, 2017.

Unfortunately, after unsuccessful attempt to assist Ms. ********, due to lack of payments World did
place her account with a third-party collection agency, **********, LLC in August of 2020. One payment
of $119.35 was received from the collection agency on July 28, 2022.

In Ms. ********’s complaint she stated that World is in violation of 15 U.S. §1681, FCRA §602 (a) and 15
U.S. §1681, FCRA §604(a)(2) which are regulations by which credit reporting agencies (“Agencies”) are
subject to. World is not an Agency, nor do we publish credit reports. World’s obligation under FCRA is to
furnish accurate account information to the Agencies. Based on the review of the account, the
information furnished to the Agencies is correct.

As always, World seeks the opportunity to assist Ms. ********. In addition, she may contact **********,
LLC at ************** or World directly by visiting any branch or by calling our Customer Care center at
************** so that we may attempt to be of further assistance.

Sincerely,

Compliance Department
World Acceptance Corporation
Initial Complaint
Date:02/08/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I opened a loan with this company May 2022. I have refinanced a few times. My problems started October 2022.I went in and made a payment of $129 on my loan October 2022 I has a $10 late fee because I was given the wrong information. I was told my balance was $746. When I went in for my Novembers payment the balance was off. So I decided I was not paying again until my balance was adjusted. Nov/Dec was late. I lost my receipt so I couldn't prove my balance was incorrect. NONE of this reported to my credit. January I decided to just make the account current. I refinanced then. February 6, 2023 I get a notification from Transunion that World Finance reported I opened and closed a loan in December to January. And in January to Feb. I opened another loan. There were a total of 3 reporting to Transunion which caused my credit score to drop 56 points. This company also reported my balance was $888. I have NEVER had a balance of $888. This is a violation of fair credit reporting. (FCRA). I NEVER gave this company permission to run my credit or report to it. This is also a violation of TILA. Fair Credit billing act. There are definitely calculation errors. You can not give me one amount and report to the credit bureau a different amount. I have attempted to contact the cooperate office but no one answered.
Customer Answer
Date: 02/21/2023
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.

This is not true. I went into the office to meet with the district manager as she told me to meet with her. I have everything recorded. She did not show up.. I showed every bit of proof that it was reported to the credit agency that I had an $88 loan I will attach the picture. That is against me truth and lending act and it is against the fair credit debt practice. On February 16th 2023 I did dispute this with TransUnion. How would the credit agency get the amount if it wasn't reported? I was threatened if I file a complaint with the consumer financial bureau that the company would not do any more business with me as if I want to. This company caused my credit score to drop 56 points based on lies.

Regards,

****** ****
Business Response
Date: 03/16/2023
February 20, 2023

Cindy R*****
Better Business Bureau
408 North Church Street, Ste C
Greenville SC 29601

Re: WFC Limited Partnership (“World”)
Consumer: ****** ****
Complaint ID: ********

Dear Ms. R*****:

This letter is in response to the above-referenced complaint filed with your office on February 07, 2023, as received
by our office on February 08, 2023.

In her complaint, Ms. **** states that her account(s) are no reporting or are incorrectly reporting with the Credit
Reporting Agencies (“Agencies”).

Based on our investigation, Ms. **** has obtained four loans with World with dates of 3/30/22, 7/11/22, 10/3/22
and 1/21/23. World is only reporting information about those accounts to the Agencies. Two late fees were
assessed. One for a missed payment in December and January. However, at no time was a delinquency status
reported as no payments were late by more than 90 days. Please find attached the account payment histories.

In her complaint, Ms. **** states that a loan in the amount of $888 was being reported to TransUnion by World.
World can find no evidence on Ms. ****’s tradelines that a balance of $888.00 was furnished. World has no record
of an $888 amount borrowed by Ms. ****. However, one of her accounts, ************, did at one time have a
payoff balance of $875.30.

Ms. **** states that she did not give World permission to perform a credit inquiry. Attached you will find Ms.
****’s signed credit application authorizing World to check her credit. The below language can be found on page 1
just above Ms. ****’s signature.
“You are authorized to check my credit, my current and future residence, and employment history and to
answer questions about my credit experience with you notwithstanding that I may have exercised my right
under the Gramm-Leach-Bliley Privacy Act.”

In this complaint, Ms. **** states she as attempted to contact our corporate offices, but no one answered. In a
separate complaint, Ms. **** stated she requested no further contact be made to her or her reference contacts. As
such, World marked Ms. ****’s accounts with a cease contact.

As always, World seeks the opportunity to assist Ms. ****. Based upon her request, we will not contact her directly.
Should she need information beyond this response, we encourage her to call our Customer Care center at 1-888-
******** Monday – Friday 9am-7pm ET so that we may attempt to be of further assistance.

Sincerely,

World Acceptance Corporation
Compliance Department

Attachment(s)
Business Response
Date: 03/16/2023
March 3, 2023

Cindy R*****
Better Business Bureau
408 North Church Street, Ste C
Greenville SC 29601

Re: WFC Limited Partnership (“World”)
Consumer: ****** ****
Complaint ID: ********

Dear Ms. R*****:

This letter is in response to the above-referenced complaint filed with your office on February 07, 2023, and the
rejection of our response received by our offices on February 22, 2023.

The day after the submission of her rejection to World’s response, Ms. **** spoke with the District Manager. At
that time a payoff payment of $786.26 was made on the open account and the account closed in good standing.

As always, World seeks the opportunity to assist Ms. ****. Should she have further questions or concerns we
encourage her to call our Customer Care center at 1-888-******** Monday – Friday 9am-7pm ET so that we may
attempt to be of further assistance.

Sincerely,

World Acceptance Corporation
Compliance Department
Initial Complaint
Date:02/07/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for this debt with world finance co and do not have a contract with world acceptance corparation. They do not provide me with the original application like I asked. They have put inaccurate information on my credit report with no record of any consent given by me. They have also harassed me by mail and PHONE!!!! world acceptance corporation has violated my consumer rights.
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions
15 U.S.C 1681c. (a)(5) Section States: no consumer reporting agency may make any consumer report containing any of the following
items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the
person knows or has reasonable cause to believe that the information is inaccurate.

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:
(1) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
(4) The advertisement for sale of any debt to coerce payment of the debt.
(5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Customer Answer
Date: 02/09/2023
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********* and have determined that this does not resolve my complaint.
you just acknowledged to violating two of my consumer rights. you sold or gave my personal Information to a third party which I have no contract with any third party. and if your not reporting to the credit agencies why is the account on my report. your also admitted to calling and harassing me which is another violation.
(a)Communication with the consumer generallyWithout the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt—
at the consumer’s place of employment if the debt collector knows or has reason to know that the consumer’s employer prohibits the consumer from receiving such communication.
(b)Communication with third parties
Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:
(1)
The collection of any amount (including any interest, fee, charge, or expense incidental to the principal obligation) unless such amount is expressly authorized by the agreement creating the debtor permitted by law.
(2)
The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector’s intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
(3)
The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.
(4)
Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.
(5)
Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.
(6)Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if—
(A)
there is no present right to possession of the property claimed as collateral through an enforceable security interest;
(B)
there is no present intention to take possession of the property; or
(C)
the property is exempt by law from such dispossession or disablement.
(7)
Communicating with a consumer regarding a debt by post card.
(8)
Using any language or symbol, other than the debt collector’s address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

Regards,

***** ********
Business Response
Date: 03/16/2023
February 8, 2023

Cindy R*****
Better Business Bureau
408 North Church Street, Ste C
Greenville SC 29601

Re: World Finance Company of Georgia, LLC (“World”)
Consumer: ***** ********
Complaint ID: ********

Dear Ms. R*****:

This letter is in response to the above-referenced complaint filed with your office on February 07, 2023.
The allegations of the complaint have been investigated.

Mr. ******** obtained his account from our *******, GA office on March 17, 2020, in the amount of
$438.00 and agreed to repay it in (6) monthly installments of $73.00 beginning April 17, 2020. No
payments were made on this account, and the date of first delinquency is listed as June 30, 2020. The
account was charged off due to non-payments on September 17, 2020. The account has since been
assigned to a third-party company.

Mr. ******** is requesting the validation of the contract for this account. Mr. ******** was provided a
copy of his loan agreement at the time the loan was taken out on March 17, 2020. Please find attached
a copy that loan agreement bearing Mr. ********’s signature. In addition, please find attached a copy of
the account’s transactional activity cited above.

Additionally, in Mr. ********’s complaint he stated that World is in violation of 15 U.S. §1681, FCRA
§602 (a) and 15 U.S. §1681, FCRA §604(a)(2). World’s position is that those regulations are concerning
credit reporting agencies (“Agencies”). World is not an Agency, nor do we publish credit reports. World’s
obligation under FCRA is to furnish accurate account information for a total of seven years from the date
of first delinquency to the Agencies.

Further, in his complaint Mr. ******** states World has harassed him by mail and phone. We have
updated our records to cease all outbound communications with Mr. ********.

Based on the review of the account, the information furnished to the Agencies is correct and according
to industry standards.

If Mr. ******** would like to make settlement arrangements or has any additional questions regarding
this account, he may contact our Customer Care center at 1-888-********.

Sincerely,

Compliance Department
World Acceptance Corporation

Business Response
Date: 03/16/2023
February 21, 2023

Cindy R*****
Better Business Bureau
408 North Church Street, Ste C
Greenville SC 29601

Re: World Finance Company of Georgia, LLC (“World”)
Consumer: ***** ********
Complaint ID: ********

Dear Ms. R*****:

This letter is in response to the above-referenced complaint filed with your office on February 06, 2023 and the
subsequent rejection received by our offices on February 10, 2023

World Acceptance Corporation (“World”) is not a Debt Collector as defined by the Fair Debt Collection Protection
Act (“ACT”). Rather, World is the Creditor for the above listed account number (“Account”). Please find below,
those terms as defined by the ACT. The full Act can be found on the Federal Trade Commission’s website at
www.ftc.gov.
§ 803. Definitions
As used in this subchapter --
(4) The term "creditor" means any person who offers or extends credit creating a debt or to whom a debt
is owed,
(6) The term "debt collector" means any person who uses any instrumentality of interstate commerce or
the mails in any business the principal purpose of which is the collection of any debts, or who regularly
collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due
another. Notwithstanding the exclusion provided by clause (F) of the last sentence of this paragraph, the
term includes any creditor who, in the process of collecting his own debts, uses any name other than his
own which would indicate that a third person is collecting or attempting to collect such debts. For the
purpose of section 1692f(6) of this title, such term also includes any person who uses any instrumentality
of interstate commerce or the mails in any business the principal purpose of which is the enforcement of
security interests.

At no time was Mr. ********’s account sold. However, since receipt of the first complaint World has pulled Mr.
*****’s account back from the third-party collection company.

Concerning the Mr. *********s credit report. In his first complaint the regulations cited were concerning Credit
Reporting Agencies (“Agencies”) and the Agencies obligations under said regulation. World’s obligation to furnish
accurate account information to the Agencies falls under the Fair Credit Reporting Act (“FCRA”). Mr. ********’s
account will be furnished to the Agencies through June of 2027 based on the seven-year obligation under FCRA
regulations.

As World will not be contacting Mr. ******** per his request, if he has any further question or concerns, he may
reach directly out to our Customer Care center at 1-888-********, so we may attempt to be of further service.

Sincerely,

Compliance Department
World Acceptance Corporation
Initial Complaint
Date:02/01/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
received a notice that I have a collection from WFC on my credit report. It says it was opened on 04/23/2019 for $0.00 with account number starting in ************ that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the FCRA and FDCPA.

I would like for this collection to be removed asap or I will file a CFPB and FTC report.
Business Response
Date: 02/13/2023
February 6, 2023

Cindy R*****
Better Business Bureau
408 North Church Street, Ste C
Greenville SC 29601

Re: World Finance Corporation of Illinois (“World”)
Customer: ****** *****
Complaint ID: ********

Dear Ms. R*****:

This letter is in response to the above-referenced complaint filed with your office on February 01, 2023. The
allegations of the complaint have been investigated.

Ms. ***** received a loan from the Danville, IL branch on April 23, 2019, in the amount of $917.47 and agreed to
repay it in (9) monthly installments of $117.47 beginning June 06, 2019. No payments were made on this account,
and the date of first delinquency is listed as August 31, 2019. The account was charged off due to non-payments on
November 20, 2019.

In her complaint Ms. ***** stated that she is not responsible for and has no knowledge of this account.

World Acceptance Corporation takes allegations of identity theft seriously. As Ms. ***** believes the account was
opened fraudulently, World needs the following items to continue the investigation:

1. Clear copy of Ms. *****’s government issued photo-identification (e.g., driver’s license, state-issued
ID card, passport)

2. Fully completed ID Theft Affidavit
Available at *****************************

3. Signed Police Report stating ID Theft
As such, our investigation will include, but not be limited to, contacting the issuing Police or Sherriff’s
Department to confirm their representation of the submitted materials.

Please mail these documents to the following address so that we may investigate.
Identity Theft Complaint
World Acceptance Corporation
**** *** ****
*********** ** *****

A written response will be provided to Ms. ***** with the outcome of the investigation.

Sincerely,

World Acceptance Corporation
Compliance Department
Initial Complaint
Date:01/31/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for this debt with WORLD FINANCE CORPORAT and do not have a contract with any collection agency . They do not provide me with the original application like I asked Proof of copy of original application that includes my signature Full payment history from original creditor, original agreement showing they can legally collect the debt . If can’t send proof delete this account from credit report as soon as possible!
Business Response
Date: 02/13/2023
February 8, 2023

Cindy R*****
Better Business Bureau
408 North Church Street, Ste C
Greenville SC 29601

Re: World Finance Corporation of Illinois (“World”)
Consumer: ******* *******
Complaint ID: ********

Dear Ms. R*****:

This letter is in response to the above-referenced complaint filed with your office on January 31, 2023. The
allegations of the complaint have been investigated.

Mr. ******* obtained this loan at ******, IL branch #**** and assigned account number ********** on April 11,
2016, in the amount of $476.00 and agreed to repay it in (7) monthly installments of $68.00 beginning May 11, 2016.
In November of 2016, the account was transferred to branch #**** and assigned account number **********.
Three payments were received totaling $224.00, and the date of first delinquency is listed as October 31, 2016. The
account was charged off due to non-payments on January 04, 2017.

In his complaint Mr. ******* stated that he has disputed this account and no response was received. World disagrees
as a debt validation request was received on July 08, 2022, to which we responded with a detailed explanation of
the account, the contract, and included a copy of the Account’s payment history. In addition, World received several
electronic disputes from the credit reporting agencies (“Agencies”). World responded to the Agencies within the
timeframe allowed by the FCRA. The most recent response was sent on February 08, 2023.

Additionally, Mr. ******* included a Federal Trade Commission ("FTC") Identity Theft Report. Protecting consumer
information is of paramount importance to World. Mr. ******* has submitted his driver’s license, social security
number and an ID Theft Report to World. World needs one more additional document in order to continue the
investigation:

1. Signed Police Report stating ID Theft
As such, our investigation will include, but not be limited to, contacting the issuing Police or Sherriff’s
Department to confirm their representation of the submitted materials.

Please mail these documents to the following address so that we may investigate.
Identity Theft Complaint
World Acceptance Corporation
P.O. Box ****
Greenville, SC 29606

A written response will be provided to Mr. ******* with the outcome of the investigation.

Sincerely,

World Acceptance Corporation
Compliance Department
Initial Complaint
Date:01/24/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
This is an important complaint for WORLD FINANCE CORPORATION situated in GREENVILLE, SC. They've recently furnished bogus as well as unverifiable details on my credit profile to the credit agencies, they don't want to complete a genuine investigation & more importantly they have yet to provide any supporting data of the discrepancies in which they are reporting. The precise record in dispute is WORLD FINANCE CORPORATION Account No. ***********... Regardless of how often I reach out to rectify the mistakes on my credit record, this organization continually ignores my dispute letters which are causing me a great deal of unwanted mental stress and anxiety. I'd like this specific erroneous info cleared from my credit record now. This has created very bad financial injury, not limited to my credit, but additionally to my good reputation. Please help me. Appreciate it.
Business Response
Date: 02/08/2023
February 1, 2023

Cindy R*****
Better Business Bureau
408 North Church Street, Ste C
Greenville SC 29601

Re: World Finance Company of South Carolina, LLC (“World”)
Consumer: ******* *******
Complaint ID: ********

Dear Ms. R*****:

This letter is in response to the above-referenced complaint filed with your office on January 24, 2023 and received
by our office on January 24, 2023. The allegations of the complaint have been investigated.

Ms. ******* obtained her loan from our Easley, SC office on July 06, 2017, in the amount of $325.00 and agreed to
repay it in (5) monthly installments of $65.00 beginning August 06, 2017. Two payments were received totaling
$200.00, and the date of first delinquency is listed as November 30, 2017. The account was charged off due to non-
payments on February 19, 2018. World received a payoff in the amount of $170.55 on July 16, 2018. Please see the
loan agreement and account’s transactional history as evidence.

In her complaint Ms. ******* stated that World has ignored her written letters disputing the account.

World has received various letters as well as multiple electronic disputes from the credit reporting agencies
(“Agencies”). All the responses were submitted within the timeframe allowed by the Fair Credit Reporting Act. The
most recent electronic dispute was responded directly back to the Agencies on December 09, 2022.The most recent
written letter was received on January 14, 2023 and a response dated January 18, 2023 was mailed back directly to
Ms. ******* to the address listed in her dispute letter. Please see attached that response letter as evidence.

Further Ms. ******* has stated that there are inaccuracies on her credit report regarding this account. World has
reviewed Ms. *******’s account and the information furnished to the Agencies is accurate. If Ms. ******* would
provide more specificity regarding what she believes is inaccurate, World would be more than willing to investigate
further.

If Ms. ******* has further questions or concerns, she may contact our Customer Care center at **************.

Sincerely,

World Acceptance Corporation
Compliance Department
Initial Complaint
Date:01/24/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have a current loan with world finance I have asked several times for them not to contact my job. Cathy called today and states that she will continue to call eventhough I have previously asked for no contact at my work.
Business Response
Date: 02/08/2023
February 1, 2023

Cindy R*****
Better Business Bureau
408 North Church Street, Ste C
Greenville SC 29601

Re: World Acceptance Corporation of Alabama (“World”)
Customer: ******* ******
Complaint ID: ********

Dear Ms. R*****:

This letter is in response to the above-referenced complaint filed with your office on January 24, 2023.
The allegations of the complaint have been investigated.

In her complaint, Ms. ****** stated that World continued to call after a request was made to stop calling.
World apologizes if any calls were made after the request was given. World has updated Ms. ******'s
account to cease all outbound communications.

If Ms. ****** is experiencing hardship making her payments or if she has any questions regarding the
account, she may contact the local branch directly or the Customer Care team at *************

Sincerely,

World Acceptance Corporation
Compliance Department
Initial Complaint
Date:01/23/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for this debt with World Finance and do not have a contract with convergent. They did not provide me with the original application like I asked.
Business Response
Date: 02/08/2023
January 27, 2023

Cindy R*****
Better Business Bureau
408 North Church Street, Ste C
Greenville SC 29601

Re: World Acceptance Corporation of Alabama (“World”)
Consumer: ******** *****
Complaint ID: ********

Dear Ms. R*****:

This letter is in response to the above-referenced complaint filed with your office on January 23, 2022.
World has searched our records using the address, name, and telephone number provided, but we were
unable to verify with certainty the specific account or account holder.

If Ms. ***** would send her full social security number, account number (if available), World will continue
our investigation into her complaint.

Ms. ***** may submit this information to World via fax at ************ or mail to:

World Acceptance Corporation
ATTN: BBB Complaint
** *** ****
********** ** *****

We will be glad to assist Ms. ***** further once we have the needed information.

Sincerely,

World Acceptance Corporation
Compliance Department
Initial Complaint
Date:01/17/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
To Whom it may concern,

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

WFC ************ $3,721.00

Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don’t respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Initial Complaint
Date:01/17/2023
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
These products have additional voluntary insurance coverages added to increase the overall cost of the loan . My complaint is that they will not tell you that these additional coverages are voluntary and will try to convince you that you need these Coverages to secure the property on the loans. If you read your contract you have 30 days to opt out of any coverages. Or you may reject coverage at the beginning. Unfortunately they try to make you think you need these coverages to secure the loan. You do not. When I requested to opt-out. They became non responsive and have since been making it very difficult to get the new loan paperwork with adjusted amounts without Coverages added sent to me so that I can pay the correct amount. I do not mind paying back the loan with interest. But not with products attached that I do not need or want. I would like for someone to call me so that this issue can be resolved. Thanks in advance.
Business Response
Date: 02/02/2023
January 27, 2023

Cindy R*****
Better Business Bureau
408 North Church Street, Ste C
Greenville SC 29601

Re: World Finance Company of Georgia, LLC (“World”)
Consumer: ******** *******
Complaint ID: ********

Dear Ms. R*****:

This letter is in response to the above-referenced complaint filed with your office on January 17, 2023. The
allegations of the complaint have been investigated.

Ms. ******* obtained her loan at our Decatur, GA branch on November 28, 2022, in the amount of $3,124.00 and
agreed to repay it in (22) monthly installments of $142.00 beginning January 12, 2023. One payment totaling
$200.00 was made.

In her complaint Ms. ******* states that World did not disclose that the insurance she signed for was not
mandatory.

The Insurance section on Ms. ******** loan agreement states the following: “Consumer Credit insurance is not
required for this loan”. Moreover, her signature appears on the lines under the following statements “By signing
here you indicate that you want Accidental D&D insurance, Credit Accident and Health Insurance, Decreasing Term
Insurance, and **** **** ********* *******”.

Additionally, the contract contains the statement located just above your signature (attached and highlighted), “BY
EXECUTING THIS AGREEMENT YOU ACKNOWLEDGE THAT YOU HAVE READ THE ENTIRE INSTRUMENT AND
ACKNOWLEDGE RECEIPT OF A COMPLETED COPY OF THIS COMBINED INSTRUMENT AND ATTACHMENTS. YOU
AUTHORIZE THE CHARGES AND DISBURSEMENTS SET FORTH HEREIN AND ACKNOWLEDGE THAT A COMPLETED
COPY OF THIS COMBINED INSTRUMENT AND ATTACHMENTS, IF ANY, AND ANY SEPARATE INSURANCE
AUTHORIZATION, WERE SUBMITTED TO YOU FOR APPROVAL PRIOR TO THE CONSUMMATION OF THIS LOAN
TRANSACTION”.

World was pleased to credit Ms. *******' account with $616.02, for Credit Accident and Health Insurance,
Decreasing Term Insurance, and **** **** ********* *******, and to send her a reimbursement check for Accidental
D&D insurance totaling $98.00 on January 17, 2023. Please see the attached account’s transactional activity where
the refunds are listed RA, RC and R3 and backdated to November 28, 2022 as evidence. In addition, please find
attached a copy of the reimbursement check.

If Ms. ******* has another further questions or concerns, she may contact the Customer Care team at ********
****.

Sincerely,

World Acceptance Corporation
Compliance Department

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