Business Profile

Consumer Finance Companies

World Acceptance Corporation

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Consumer Finance Companies.

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

230 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:10/13/2022
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 saw my credit report and I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. Evaluate and investigate those account that is not 100% accurate. Here are the lists that indicates the company name, balance, and date last reported:

Account Name WORLD FINANCE CORPORAT Balance $2,265.00 Account Number ***********
Business Response
Date: 10/20/2022
VIA EMAIL: (***********************)

October 19, 2022

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

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

Dear Ms. R*****:

This letter is in response to the above-referenced complaint filed with your office on October 13, 2022. The
allegations of the complaint have been investigated.

In her complaint Ms. ******* indicated that the account reported on her credit report was fraudulent. World
Acceptance Corporation takes allegations of identity theft seriously.

In order to investigate the claim of identity theft, we need the additional following documentation. An investigation
will only be conducted if all the below materials are submitted.

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

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

Sincerely,

World Acceptance Corporation
Compliance Department
Initial Complaint
Date:10/12/2022
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'm depressed and suicidal after dealing with the unauthorized use of my personal information.
Which resulted in this unauthorized item on my credit report. I sent letters over 30 days ago and they failed to get back with me with sufficient validation. This account violates the FDCPA and must be deleted immediately because those are serious violations and I could be compensated for them.
Business Response
Date: 10/20/2022
VIA EMAIL: *************************

October 19, 2022

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 October 12, 2022. The
allegations of the complaint have been investigated.

Ms. ********** received a loan from our Mobile, AL branch on September 26, 2018, in the amount of $315.00. World
received one payment totaling $63.00, and the date of first delinquency is listed as January 31, 2019. The account
was charged off due to non-payments on June 20, 2019. The account was then assigned to a third-party company.

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 from Ms. **********. World received an
electronic dispute 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 August 02, 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.

Additionally, in her complaint Ms. ********** stated unapproved items were found on her credit record. World
Acceptance Corporation takes allegations of identity theft seriously. World Acceptance Corporation takes allegations
of identity theft seriously.

In order to investigate the claim of identity theft, we need the additional following documentation. An investigation
will only be conducted if all the below materials are submitted.

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 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
**** *** ****

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

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

Sincerely,

World Acceptance Corporation
Compliance Department
Initial Complaint
Date:10/12/2022
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 HAVE TRIED CONTACTING WORLSD FINANCE TO SEE WHAT I COULD DO TO SOLVE MY DEBT AND GET IT REMOVED FROM MY CREDIT REPORT. BOTH TIMES I SPOKE WITH SOMEONE THEY WERE RUDE AND HATEFUL. AND I AM NOT UNDERSTANDING WHY THEY HAVE 2 SEPRATE CHARGES ON MY CREDIT REPORT!! I NEED THIS RESOLVED ASAP
Business Response
Date: 10/21/2022
VIA EMAIL: (************************

October 21, 2022

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

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

Dear Ms. R*****:

This letter is in response to the above-referenced complaint filed with your office on October 12, 2022. The
allegations of the complaint have been investigated.

Ms. **** received this loan with Western Shamrock on November 13, 2018, in the amount of $297.50 and agreed to
repay it in (6) monthly installments of $48.58 beginning December 13, 2018. The account was charged off due to
non-payments on May 07, 2019. The account was later purchased by World Acceptance Corporation in May of 2019.

In her complaint Ms. **** stated that she has tried contacting World to settle the debt and to have it taken off her
credit report. World is willing to work with Ms. **** on a settled-in-full or paid-in-full settlement. Unfortunately,
World does not participate in pay-to-delete settlements and will not be able to remove the charge-off on Ms. ****’s
account.

We can negotiate a settlement, but we are obligated under the Fair Credit Reporting Act (“FCRA”) to furnish all
accurate account information. 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”).

The District Manager called Ms. **** in an attempt to speak with her, but as of the date of this response, Ms. ****
could not be reached.

Ms. **** may contact our Customer Care center at ************** to discuss a settlement agreement.

Sincerely,

World Acceptance Corporation
Compliance Department
Initial Complaint
Date:10/11/2022
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 Finance company placed an account on my credit report and placed it as recent without validation of debt. I have contacted them and asked for proof and never received it. They said the debt is from a company that has been closed for years in Tn . I asked them for proof and both times the representative from the corporate office would not send proof. I have been dispute the said account for over a year now and still have NOT received proof which is a violation of my consumer rights. They can not lie and say they sent out any certified letter because the USPS has a mail preview system called informed Delivery and it gives you a preview of all mail that will be delivered and saves your mail up to one year. I can show proof that I have this feature if need be. It shows all proof of incoming packages with tracking and letters. I have not received anything validating debt or my rights to dispute. I had to seek advice on how to dispute said account.
Customer Answer
Date: 10/21/2022
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.

The company waited till now to bring some type of proof forward when I asked for proof back in 2019, 2020 and all the way up to now. They never showed proof and when asked for it and that is a violation of my Fair Credit Rights. Where’s the proof that they abused by the credit guidelines and provided me with proof when asked. They clearly stated they bought the account in 2019 and yet they failed to show proof of anything till I file a complaint. World Finance violated my rights and I will report this company again due to they know they are in violation. I called them and requested proof in 2019-2020 and yet they never sent proof of acquiring account . Nothing. I want the account deleted for violating my rights because I am well within limits to ask for it.

Regards,

****** ******
Customer Answer
Date: 11/03/2022
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.

World Finance is lying because I distinctly called the corporate number and argued my case on the phone. I will continue to dispute this account till it falls off in 2024 from my report. If necessary I will hire an attorney to have this removed off my credit since they never provided me proof till now. The credit guidelines state they were supposed to provide me with proof of debt and give me time to dispute before reporting to Bureau, which they failed to do. World Finance will not get a dime from me at all and will dispute and wait till the can’t report anymore.

Regards,

****** ******
Business Response
Date: 11/18/2022
November 3, 2022

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

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

Dear Ms. R*****:

This letter is in response to the above-referenced complaint filed with your office on October 10, 2022 and the
subsequent rejection to our response received by us on October 24, 2022. The allegations of the complaint have
been investigated.

In Ms. ******’s rejection to World’s response, she stated that she was not provided proof of this acquisition back in
2019-2020 when requested. World cannot find evidence of a direct dispute being received from Ms. ******.
However, World did receive an electronic dispute from the credit reporting agencies (“Agencies”) in February of
2020. World responded back to the Agency within the timeframe allowed by the Fair Credit Reporting Act (“FCRA”)
and therefore disagrees with Ms. ******’s statement.

Based on the review of the accounts, the information furnished to the credit reporting agencies (“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 questions regarding this account, she may contact the local branch or our Customer Care center
at 1-888-********.

Sincerely,

World Acceptance Corporation
Compliance Department
Business Response
Date: 11/18/2022
October 21, 2022

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

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

Dear Ms. R*****:

This letter is in response to the above-referenced complaint filed with your office on July 15, 2022. The allegations
of the complaint have been investigated.

Ms. ****** has two accounts that were purchased by World. Account number ********** (“Account 1”) and
********** (“Account 2”). We have evaluated the Account and its accuracy including, but not limited to, the
associated credit reporting.

Regarding Account 1. Ms. ****** received this loan with ******* ******** on December 14, 2016, in the amount
of $1,887.91 and agreed to repay it in (16) monthly installments of $117.91 beginning January 14, 2017. The account
was charged off due to non-payments on April 11, 2019. The account was later purchased by World Acceptance
Corporation in May of 2019.

Regarding Account 2. Ms. ****** received this loan with ******* ******** on December 07, 2017, in the amount
of $1,320.00 and agreed to repay it in (11) monthly installments of $120.00 beginning January 07, 2018. The account
was charged off due to non-payments on September 06, 2018. The account was later purchased by World
Acceptance Corporation in May of 2019.

Ms. ****** is requesting the validation of the contracts these accounts. Please find attached the loan agreements
for the above listed accounts which Ms. ****** signed at time she obtained each loan.

Based on the review of the accounts, the information furnished to the credit reporting agencies (“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 questions regarding this account, she may contact the local branch or our Customer Care center
at 1-888-********.

Sincerely,

World Acceptance Corporation
Compliance Department

Attachment(s)
Initial Complaint
Date:10/11/2022
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.
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.

WORLD FINANCE CORPORAT ************ $740.00
*******BAL. $
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 accountse hav 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.
Business Response
Date: 10/20/2022
VIA EMAIL: (***********************)

October 19, 2022

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

Re: World Finance Company of Kentucky (“World”)
Consumer: ****** ****
Complaint ID: ********

Dear Ms. R*****:
This letter is in response to the above-referenced complaint filed with your office on October 11, 2022. The
allegations of the complaint have been investigated.

Ms. **** received a loan from the Louisville, KY branch on June 01, 2018, in the amount of $624.00. and agreed to
repay it in (8) monthly installments of $78.00 beginning July 01, 2018. Four payments were received totaling $386.00,
and the date of first delinquency is listed as November 30, 2018. The account was charged off due to non-payments
on July 31, 2019. The account was coded for Chapter 13 bankruptcy on July 31, 2019. Our records show that the
bankruptcy was dismissed on July 22, 2021. The account has since been assigned to a third-party company.

Ms. **** is requesting the validation of the contract this account. Ms. **** was provided a copy of her loan contract
at the time she obtained her loan on June 01, 2018. Attached is that contract with Ms. ****’s signature. In addition,
please find attached a copy of the account’s transactional activity cited above.

Based on the review of the account, the information furnished to the credit reporting agencies (“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 questions regarding this account, she may contact the local branch or our Customer Care center
at **************.

Sincerely,

World Acceptance Corporation
Compliance Department

Attachment(s)
Initial Complaint
Date:10/10/2022
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.
In accordance with the Fair Credit Reporting act. The company 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.
Business Response
Date: 10/25/2022
P. O. Box 6429 - Greenville, South Carolina - 29606

VIA EMAIL: (***********************)

October 19, 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 October 10, 2022.
The allegations of the complaint have been investigated.

Ms. ******* obtained her account from our Jonesboro, GA office on November 20, 2018, in the amount
of $1,402.88 and agreed to repay it in (11) monthly installments of $127.53 beginning December 20,
2018. No payments were made on this account, and the date of first delinquency is listed as December
20, 2018. The Account was charged off due to non-payments on April 26, 2019.

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). 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:10/05/2022
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 have reached out to World Finance Company. They have failed to provide proof of validation regarding a debt that does not belong to me. They have furnished this alleged debt on my consumer report and have failed to validate the alleged claim pursuant to Sec. 809(b)of the Fair Debt Collection Practices Act and according 609(a)(1)(A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand this item be removed from my credit report immediately. World Finance Company you are furnishing inaccurate and incorrect information to the consumer reporting agencies.
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.
You and your inaccurate reporting have damaged my livelihood.
15 U.S. Code § 1681s–2 - Responsibilities of furnishers of information to consumer reporting agencies
(a)Duty of furnishers of information to provide accurate information
1) Prohibition
(A)Reporting information with actual knowledge of errors
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.
Duty: a moral or legal obligation; a responsibility
Accurate: correct in all details; exact.
Prohibition: a law or regulation forbidding something
As Defined by The IRS
Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
ACCOUNT NUMBER: ************
ACCOUNT NUMBER: ************
ACCOUNT NUMBER: ************
Business Response
Date: 10/25/2022
** ** *** **** * *********** ***** ******** * *****
VIA EMAIL: (************************

October 14, 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 October 05, 2022.The
allegations of the complaint have been investigated.

Ms. ****** obtained her loan at our Carrollton, TX branch on August 04, 2021, in the amount of $679.00 and agreed
to repay it in (7) monthly installments of $97.00 beginning September 04, 2021. World received one payment totaling
$100.00, and the date of first delinquency is listed as November 30, 2021. The account was charged off due to non-
payments on June 10, 2022.

Ms. ****** was provided a copy of her loan agreement at the time the loan was taken out on August 04, 2021.
Please find attached a copy of the account’s transactional activity.

In Ms. ****** complaint she stated that she has reached out to World and that we have not provided validation of
her debt. As of the date of this response, World has not received a direct dispute from Ms. ******; however, we
have received several electronic disputes from the credit reporting agencies (“Agencies”). World has responded back
to the Agencies within the timeframe allowed by the Fair Credit Reporting Act (“FCRA”). The most recent response
was sent back to the Agencies on October 8, 2022.

Additionally, Ms. ****** states that canceled debt should not be reporting per 1099-C. According to the IRS website
Form 1099-C can be provided “for each debtor for whom you canceled $600 or more of a debt owed.” Ms. ******’s
debt was charged off, not canceled.

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. ****** is having difficulty making payments or would like to discuss a settlement agreement, she may our
Customer Care center at **************.

Sincerely,

World Acceptance Corporation
Compliance Department
Initial Complaint
Date:10/03/2022
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.
I'm depressed and suicidal after dealing with the unauthorized use of my personal information.
Which resulted in this unauthorized item on my credit report. I sent letters over 30 days ago and they failed to get back with me with sufficient validation. This account violates the FDCPA and must be deleted immediately because those are serious violations and I could be compensated for them.
Business Response
Date: 10/19/2022

October 13, 2022

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 October 03, 2022. The
allegations of the complaint have been investigated.

In her complaint Ms. ********* stated that she previously 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. The responses to those were sent back to the Agency
within the timeframe allowed by the Fair Credit Reporting Act.

Ms. ********* has stated that this account was opened fraudulently. World Acceptance Corporation takes
allegations of identity theft seriously.

In order to investigate the claim of identity theft, we need the additional following documentation. An investigation
will only be conducted if all the below materials are submitted.

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

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

Sincerely,

World Acceptance Corporation
Compliance Department
Initial Complaint
Date:10/03/2022
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.
I checked my credit report and noticed I had late payments from WFC . At the time, I was transitioning between jobs and going through an economic hardship. As you can see, I have made most of my payments on time so I am asking in goodwill faith for this one time to please remove these late payments from my account. I am trying to increase my score to qualify for a mortgage and I would greatly appreciate if you guys would forgive the late payments.
Business Response
Date: 10/19/2022
October 13, 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 October 03, 2022 and received
by our office on October 03, 2022. The allegations of the complaint have been investigated.

Mr. ******** obtained this loan at our Hixon, TN branch on March 04, 2022, in the amount of $1500.00 and agreed
to repay it in (12) monthly installments of $125.00 beginning April 04, 2022. Five payments totaling $810.00 was
received on the account. As of the date of this response the account is now current and not being furnished to the
credit reporting agencies (“Agencies”) as being delinquent. Please see the attached account’s transactional activity
as evidence.

In his complaint Mr. ******** stated that he knew he was behind on payments due to being in transition between
jobs. We regret that Mr. ******** did not communicate this hardship with the World during that time. He is now
requesting that World to remove the delinquency from his credit report. Unfortunately, World is unable remove
historical delinquencies based on its obligations under the Fair Credit Reporting Act ("FCRA"). However, Mr.
********’s account is now current and will not be furnished as delinquent if it remains current.

If Mr. ******** finds himself struggling to make his agreed to payments, World does request that he communicates
this with the local branch. That branch can be reached at ***** ******** or he may contact our Customer Care
center at **************, so we can be of assistance.

Based on the review of the account, the information furnished 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.

Sincerely,

World Acceptance Corporation
Compliance Department
Initial Complaint
Date:09/29/2022
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 Finance/World Acceptance is reporting a fraudulent account on my consumer reports and refuse to remove it. They claim it is verified, but they have yet to send me valid proof. I have requested an audit trail which includes an original contract and they have refused to send it to me. While this account is being disputed, they have also ignored the federal law that requires them to stop reporting on my consumer report , which is a debt collection activity. They removed it in the past and reinserted it this year without following the law which requires them to notify me first. They did not honor the Gramm-Leach Bliley Act and conspicuously make me aware of my right to opt out of information sharing with third parties.
Customer Answer
Date: 10/10/2022
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.

The law does not state that have to provide anything when I notify the "creditor" that they are reporting fraudulent accounts on my consumer report. I have sent in an identity theft report. As the law states, I have the right to NOT consent to any reporting of my personal information. In fact, when a claim is made, the company is suppose to block the information while it is being investigated. I have also requested an audit file of this account including an account ledger(not statements or a balance inquiry as they have sent). Also, this account was considered a charge off and was changed after I mentioned it to a collections account. Which one is it and why is monthly activity being reported on a closed account? Where is my 1099C? If inaccurate information has been discovered, the law says it must be deleted! Also, this account was previously deleted in a previous dispute, but reinserted and I was not informed before it was posted. These are all violations of my consumer rights. I will be taking legal action if this account is not removed asap!

Regards,

******* *******
Customer Answer
Date: 11/08/2022
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not fully resolve my complaint. They are deleting the fraudulent account as they should because nothing is owed to them. In addition, they have caused me damages for placing this unverified account on my credit report; therefore, I am owed a check in the amount of $3000 or I will be bringing a lawsuit against them.

Regards,

******* *******
Business Response
Date: 11/10/2022
October 6, 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 September 29, 2022. The
allegations of the complaint have been investigated.

In her complaint Ms. ******* indicated that World is reporting a fraudulent account to her credit report. In previous
complaints, Ms. ******* submitted her Government Issued ID and an Identity Theft Report to World. In our
responses to those complaints, World has requested further documentation to be able to investigate the Identity
Theft allegation. As of the date of this response World has not received the requested documents. An investigation
will only be conducted if the remaining material is submitted.

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 Ms. ******* with the outcome of the investigation.

In Ms. ******* complaint she also stated that she was not made aware of her rights to Opt-Out. Opt-Out does not
include a lenders’ obligations to report to credit bureaus. Rather, it provides consumers with the right to opt-out of
Prescreen solicitation offers. We have updated Ms. Gather’s account to opt out of future solicitation
communications from World. If Ms. ******* would like to Opt-Out of pre-screened offers from other companies she
may do so by visiting www.optoutprescreen.com.

Sincerely,

World Acceptance Corporation
Compliance Department
Business Response
Date: 11/10/2022
November 2, 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 September 29, 2022 and the second
rejection sent to our offices on October 25, 2022. The allegations of the complaint have been investigated.

World’s position has not changed regarding the accuracy of what was being furnished to the credit reporting agencies
(“Agencies”) for Ms. *******’ account; however, do to a fire destroying the branch where her contract was being physically
held, we cannot provide a signed document. Therefore, as a curtesy World has submitted a deletion request to the
Agencies. Please allow 30 days for this change to show on Ms. *******’ account.

If Ms. ******* has any additional questions regarding this account, she may contact the local branch or our Customer Care
center at 1-888-******** so we may be of further assistance.

Sincerely,

World Acceptance Corporation
Compliance Department
Business Response
Date: 11/10/2022
November 2, 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 September 29, 2022 and the second
rejection sent to our offices on October 25, 2022. The allegations of the complaint have been investigated.

World’s position has not changed regarding the accuracy of what was being furnished to the credit reporting agencies
(“Agencies”) for Ms. *******’ account; however, do to a fire destroying the branch where her contract was being physically
held, we cannot provide a signed document. Therefore, as a curtesy World has submitted a deletion request to the
Agencies. Please allow 30 days for this change to show on Ms. *******’ account.

If Ms. ******* has any additional questions regarding this account, she may contact the local branch or our Customer Care
center at 1-888-******** so we may be of further assistance.

Sincerely,

World Acceptance Corporation
Compliance Department

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.

Complaints

Find a Location

World Acceptance Corporation

World Finance Corporation

World Finance Corporation

World Finance Corporation

World Finance Corporation

Customer Complaints Summary

If you've experienced an issue

Sort by

Complaint status

Complaint type

Initial Complaint

Business Response

Initial Complaint

Business Response

Initial Complaint

Business Response

Initial Complaint

Customer Answer

Customer Answer

Business Response

Business Response

Initial Complaint

Business Response

Initial Complaint

Business Response

Initial Complaint

Business Response

Initial Complaint

Business Response

Initial Complaint

Business Response

Initial Complaint

Customer Answer

Customer Answer

Business Response

Business Response

Business Response

World Acceptance Corporation is NOT a BBB Accredited Business.

Cookies on BBB.org

Complaints

Customer Complaints Summary

If you've experienced an issue

Filter and sort by

Sort by

Complaint status

Complaint type

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Customer Answer

Customer Answer

Business Response

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Customer Answer

Customer Answer

Business Response

Business Response

Business Response

World Acceptance Corporation is NOT a BBB Accredited Business.