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

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

If you've experienced an issue

Submit a Complaint

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:11/14/2022
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 was promised by a manager. once I start making payments. I will current and it will reflect on credit report. on the credit report it states I am still late even with constant payments
Business Response
Date: 11/30/2022
November 22, 2022

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

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

Dear Ms. R*****:

This letter is in response to the above-referenced complaint filed with your office on November 14, 2022. The
allegations of the complaint have been investigated.

Mr. ****** obtained the account from our Alamogordo, NM office on December 29, 2021, in the amount of $680.00
and agreed to repay it in (8) monthly installments of $85.00 beginning January 29, 2022. Seven payments were
received totaling $390.00, and the date of first delinquency is listed as October 31, 2022. World received a payoff in
the amount of $49.75 on November 11, 2022.

World understands that you would like the negative information on your credit report removed however, World is
required by the Fair Credit Reporting Act (“FCRA”) to report the information timely and accurately to the bureaus.
In order to obtain positive payment history, payments must be paid in full amount due on or before the set due date.
Paying less than full or after the due date will result in negative credit reporting and may result in late charges and/or
added interest. Negative reporting marks remain on credit reports for a period of 7 to 10 years based on the first
date of delinquency, not the contract start date.

Based on the review of the account, the information reported to the Agencies is correct and according to industry
standards. If Mr. ****** has any additional issues with how the Agencies are reporting the account data, he may
dispute it directly with them.

If Mr. ****** has any additional questions regarding this account, he may contact our Customer Care center at 1-
************ so we may be of further assistance.

Sincerely,

World Acceptance Corporation
Compliance Department
Initial Complaint
Date:11/10/2022
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 actions that Mariner has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to.
They failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus: another FCRA violation. They also failed to provide me with the dunning letter, or proof of sending the original dunning letter notifying me that you are reporting me to the credit bureaus within 30 days of sending my account to collections. Not only have they ignored my prior requests for validation of debt letter will again request that you follow the FDCPA and please provide the following:
Validation of Debt Request
-Proof that you can collect on a debt in my state
-Proof of the date the account went into delinquency
-Your Bond (if required) in the event I need to seek counsel
-Proof of your right to own/collect this alleged debt
Also In accordance with the Fair Credit Reporting act. 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.
Business Response
Date: 11/28/2022
November 18, 2022

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 November 10,
2022. The allegations of the complaint have been investigated.

Ms. ****** obtained her account from our Columbus, GA office on February 20, 2020, in the amount of
$693.00 and agreed to repay it in (9) monthly installments of $77.00 beginning April 03, 2020. Three
payments were received totaling $767.44, and the date of first delinquency is listed as October 31, 2020.
World received a payoff in the amount of $26.14 on March 17, 2021.

In Ms. ******’ 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). 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.

Based on the review of the account, the information furnished to the Agencies is correct and according
to industry standards. If Ms. ****** has any additional issues with how the Agencies are reporting the
account data, she may dispute it directly with them.

If Ms. ****** would like to make settlement arrangements or has any additional questions regarding this
account, she may contact our Customer Care center at **************.

Sincerely,

Compliance Department
World Acceptance Corporation
Initial Complaint
Date:11/10/2022
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 took out a loan with Security Finance, *** ** **** St., * ** ** NM 87901 for $680.00 on 3/29/22. I paid it faithfully every month. Security Finance went out of business in May, 2022. I asked where I should make the payments for the balance of $295.00. I was told that they would contact me. I wasn't told who "they" were. Nobody contacted me. On 11/4/22, I discovered that my credit had been ruined. My credit score went from close to 584 to 489. World Finance Corp., **** **** St., * ** *, NM 87901 had reported my payments were delinquent to TransUnion, which I have a dispute filed. On 11/7/22, I called World Finance and spoke to the supervisor, Carol, who was completely unhelpful. She kept saying that they had sent notices every month and I did not respond to them. I kept telling her I never received them. Finally, I asked her what address she was sending them to. It was the wrong address: **** ******** instead of **** *****. I asked her to retract the damage to my credit score and she said not until the loan is completely paid off. She also had the audacity to say that I had paid the May, 2022 payment at World Finance instead of Security Finance, which is incorrect and I have proof. So my credit score has to be in the gutter for the next four months because of their idiotic mistake. Also they are charging me a late fee of $12.75 which is unjust. The account # for Secuity Finance is ***** and the account # for World Finance is *********. I didn't notice that Security Finance started putting the wrong address on my receipts until after this fiasco. My husband has acute COPD and I often have to take care of him, which is quite a substantial distraction in my life. I can't always be expected to run behind people I'm doing business with as a customer and correct their mistakes.
Customer Answer
Date: 11/18/2022
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.

Regards,

******* ****

The crux of the problem is that somehow World Finance Corporation had an incorrect address for me, thus, couldn't contact me and give me a bill. The address World Finance Corporation had: **** ** ********, * ** *, NM 87901. My correct address, which I gave to Security Finance Corporation years ago, is **** ***** St., * ** *, NM 87901. Last May, when Security Finance went out of business, I asked Bertha where I am supposed to make the rest of my payments. She said "they" will contact you. She didn't say who "they" are. This is why I never received any bills or knowledge of who I am supposed to make payments to. Because of this situation, which I had no control over, my credit is now ruined.
Business Response
Date: 01/12/2023
November 18, 2022

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

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

Dear Ms. R*****:

This letter is in response to the above-referenced complaint filed with your office on November 10, 2022. The
allegations of the complaint have been investigated.

World purchased a Security Finance account for a Ms. ******* **** in May of 2022. Ms. **** obtained the Account
from Security Finance on February 23, 2022, in the amount of $680.00 and agreed to repay it in (8) monthly
installments of $85.00 beginning April 01, 2022. One payment totaling $85.00 was made, and the date of first
delinquency is listed as October 31, 2022.

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

In her complaint Ms. **** stated that she was unaware of the sale of her account. Our records indicate that written
communications were sent to Ms. ****’ address on file.

If Ms. **** is experiencing hardship making payments, she may contact our Customer Care center at 1-888-********
so that we attempt to be of further assistance.

Sincerely,

World Acceptance Corporation
Compliance Department
Initial Complaint
Date:11/07/2022
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 account with World finance I have sent multiple letter explaining to the 3 major credit bureaus about this account. I have also sent a letter to world finance and they did not send me the original contract like I asked in the letter. I would like this account delete from my credit report.
Business Response
Date: 11/23/2022
November 17, 2022

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 October 17, 2022. The
allegations of the complaint have been investigated.

Ms. ****** received a loan from our Urbana, IL branch on June 06, 2019, in the amount of $497.00, under the name
***** ******. No payments were made on the account, and it was charged off on November 20, 2019. The date of
first delinquency is listed as September 30, 2019. The account was transferred internally to World branch #**** and
assigned account number ************ in April of 2021. Please see the attached contract and the account’s
transactional activity as evidence.

In her complaint Ms. ****** stated that she has disputed this account and no response was received. As of the date
of this response World has not received a direct dispute letter; however, several electronic disputes from the credit
reporting agencies (“Agencies”) were received. World responded to the Agencies within the timeframe allowed by
the FCRA. The most recent response was sent on October26, 2022.

Based on the review of the account the information reported to the Agencies is correct and according to industry
standards. If Ms. ****** has any additional issues with how the Agencies are reporting the account data, she may
dispute it directly with them.

If Ms. ****** has any additional questions regarding this account, she may contact our Customer Care center at 1-
************ so we may be of further assistance.

Sincerely,

World Acceptance Corporation
Compliance Department
Initial Complaint
Date:11/07/2022
Type:Billing Issues
Status:
ResolvedMore 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.
In the month of June 2022 someone opened a fraudulant World Finance account #**** at a World Finance location in ****** ****, GA and was given a loan for over. Their loan compliance and branch manager Jessica H***** (tele. 404-********), reached out to me in early August by pulling my credit (2 hard pulls against my credit, one for loan and other to obtain a contact number). During this call she advised me that she reviewed the file and noticed that the drivers license was fraudulent and that the address used was not valid. At her direction, I traveled to a World Finance office near my home in *************, GA to submit a copy of my drivers license, proof of residency, and a utility bill and completed an Identity Theft Victim Complaint and Affidavit and had it notarized. I had to schedule some time off work to be able to complete a police report. Once the police report was filed and ready for pick up, I needed some additional time off to be able to go pick it up. Jessica H***** then informed me that I needed to send in a color photo ID as the one they copied at the ************* office was not in color. Therefore I sent both the color ID and copy of the police report to *************worldacceptance.com. I followed up on this weekly and it has yet to be resolved. I have made multiple calls, sent emails, filed an additional ID theft Affidavit #********* with the Federal Trade Commission and sent to World Acceptance Corporation via FEDEX without resolution. Now my credit is negatively impacted by this situation. My credit has late payments since July that have been reflected on my credit report and my credit score has dropped over 100 points in the last 3 months related to this fraudulent account that World Finance knows is fradulant as they notified me of the issue in July 2022. I am in this predicament due to their employees not conducting sufficient document validation and scrutinizing loan requests. This issue must be resolved and my cedit worthiness restored.
Customer Answer
Date: 11/15/2022
Better Business Bureau,

I have reviewed the response made by World Acceptance-World Finance in reference to complaint ID ********, and find that this resolution is satisfactory to me. I will be monitoring my credit report to ensure this fradulent account is removed from all 3 credit bureaus in a timely manner as communicated in the response letter.

Regards,

***** ******
Initial Complaint
Date:11/07/2022
Type:Customer Service 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've made several to a young lady at one of the location to not make contact with me. She was rude very disrespectful. I then ask to have my account transfer to another Branch. She refuse. I called the corporate office and ask for this transfer as well as. I was told it will be done. This call was made in the first week of Oct.

Once again she called. I I requested again for her not call, I assisted she can not call because I requested to be transfer to a different branch, she tells me I have to get a new loan of I want that to happen. I told her I was filling chapter 7. I called the corporate office again and demand of this change and a call back from a much higher supervisor. No call was return.
Nov 3rd she calling again by Law she can not call me once I told her to cease all contact with me, I made her aware this case will be disputed in a chapter 7, due to her harassment calls. I will deal with another branch but not hers.
If I get another call from her or the Kenosha branch I will presceed with legal actions.
Business Response
Date: 11/23/2022
November 17, 2022

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 November 03, 2022 and
received by our office on November 07, 2022. The allegations of the complaint have been investigated.

Ms. ****** stated that she did not want to receive calls from the branch #****, that her loan originated at. Further
she requested her account be transferred to a different branch.

World was able to transfer Ms. ******’ account branch #**** on November 03, 2022 and the previous branch
account was updated to reflect the cease contact that Ms. ****** wanted.

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

Sincerely,

World Acceptance Corporation
Compliance Department
Initial Complaint
Date:11/03/2022
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.
It pays my attention that the following accounts are inaccurate. I am a consumer by law. I am not happy about what I saw. This hurt my credentials as a consumer. I am not aware from those account. Here are the listed details of the account with discrepancies:

Account Name WORLD FIN Balance $739 Account Number ***********
Business Response
Date: 11/17/2022
November 9, 2022

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 November 03, 2022.
World has searched our records using the address, name, and partial account number provided, but we
were unable to verify with certainty the specific account or account holder.

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

Ms./Mr. ********* 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./Mr. ********* further once we have the needed information.

Sincerely,

World Acceptance Corporation
Compliance Department
Initial Complaint
Date:10/24/2022
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 account has been on my credit report reaging illegally and constantly reporting as accurate for years. ive even attached the balance fluctuating ever so many months. I am prepared to take legal action because this erroneous account is affecting my livelihood. Delete immediately.
Business Response
Date: 11/08/2022
November 1, 2022

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 October 24, 2022. The
allegations of the complaint have been investigated.

Mr. ******** received a loan from the Hoover, AL branch on July 12, 2016, in the amount of $900.00. and agreed
to repay it in (9) monthly installments of $100.00 beginning November 17, 2020. One payment totaling $100.00 was
made, and the date of first delinquency is listed as November 30, 2016. The account was charged off due to non-
payments on January 17, 2017.

Mr. ******** is requesting the validation of the contract this account. Mr. ******** was provided a copy of his
loan contract at the time he obtained his loan on July 12, 2016. Attached is that contract with Mr. ********’s
signature.

In his complaint Mr. ******** stated that World has re-aged his debt. World has not re-aged his debt as the date
of first delinquency remains as November 30, 2016. World will continue to furnish account information to the
Agencies for a period of seven years from the date of first delinquency, as it is our obligation under the Fair Credit
Reporting Act (“FCRA”).

Additionally, Mr. ******** stated in his complaint that the balance keeps increasing. The account is subject to
additional interest based on the unpaid balance. Please reference the highlighted section of the attached contract,
bearing Mr. ********’s signature, under INTEREST AFTER MATURITY which states: “If you do not pay all that you
owe on or before your final due date, you will pay interest on the amount that is still unpaid at the Annual Percentage
Rate stated above.”

Based on the review of the account, the information reported to the credit reporting agencies is correct and
according to industry standards. If Mr. ******** has any additional issues with how the Agencies are reporting the
account data, he may dispute it directly with them.

If Mr. ******** has any additional questions regarding this account, he may contact our Customer Care center at
************** so we may be of further assistance.

Sincerely,

World Acceptance Corporation
Compliance Department
Initial Complaint
Date:10/17/2022
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 contacted World Finance in regard to a loan I owed. I spoke with Sarah at the Pekin office, and she offered me a settlement amount. I was told it would satisfy my debt with them and it would be considered paid in full & satisfied. Now they are reporting to the credit bureaus that I have not paid my account in full, and I still owe $141.00.
Business Response
Date: 10/31/2022
** ** *** **** * *********** ***** ******** * *****
VIA EMAIL: (***********************)

October 25, 2022

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 October 17, 2022. The
allegations of the complaint have been investigated.

Ms. ****** obtained the account from our Pekin, IL office on September 12, 2019, in the amount of $560.00 and
agreed to repay it in (8) monthly installments of $70.00 beginning October 12, 2019. World received one payment
totaling $80.00, and the date of first delinquency is listed as January 31, 2020. The Account was charged off due to
non-payments on April 20, 2020. A settlement payment of $422.25 was received on March 18, 2021.

In her complaint Ms. ****** stated that World did not keep an agreement to remove her account from her credit
report. World disagrees as it is our policy not to participate in ‘Pay-to-delete’ settlements. Ms. ******’s account is
being furnished to the credit reporting agencies (“Agencies”) as ‘settled/closed for less than the full balance’.

Based on the review of the account, the information reported to the Agencies is correct and according to industry
standards. If Ms. ****** has any additional issues with how the Agencies are reporting the account data, she may
dispute it directly with them.

If Ms. ****** has any additional questions regarding this account, she may contact our Customer Care center at 1-
************ so we may be of further assistance.

Sincerely,

World Acceptance Corporation
Compliance Department
Initial Complaint
Date:10/14/2022
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.
world financial is operating under the abrevations WORD FIN and reportinig a address of *** * **** ** ********** ** ***** which is inaccurate and has not been responding to any of my letter and reports these fraudulent accounts are not mines ******* ******* ******* ******** ******* ******* world fin is causing great harm to me and my credit report of being denied of credit
Business Response
Date: 10/31/2022
October 24, 2022

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

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

Dear Ms. R*****:

This letter is in response to the above-referenced complaint filed with your office on October 14, 2022. The allegations of
the complaint have been investigated.

In her complaint Ms. ****** also stated that World is operating under the name of WORLD FIN and that the address of
**** **** ** *********** ** ***** is inaccurate. World disagrees that we are operating under an abbreviated name. Please
note that World does not control how credit reporting agencies (“Agencies”) or other companies might show World’s
name on a consumer report. Further, the address stated is the home office location for World; however, our mailing
address is ** *** ***** *********** ** *****.

Ms. ****** also stated that Wold did not response to any of her letters. As of the date of this response World has not
received a direct dispute letter; however, several electronic disputes from the credit reporting agencies (“Agencies”) were
received. The responses to those were sent back to the Agency within the timeframe allowed by the Fair Credit Reporting
Act. The most recent response was sent on October 04, 2022.

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

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

2. Fully completed ID Theft Affidavit
Available at https://www.identitytheft.gov

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
**** *** ****
*********** ** *****

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World Acceptance Corporation is NOT a BBB Accredited Business.