I took out a loan with World Finance, I was laid off they never got back to me about a program they offered for hardship. My loan went from less than XXXX to them telling me I owe over XXXX. I called to get a settle on this account and they told me I could pay XXXX I verified this on a recorded line numerous times even talked about payments and when I needed to pay them. I told the girl I would call the next day to either pay in whole or break down in payments if I needed to go they route. She verified all the information. I called the next daylike I said I would. I had gotten the money she told me so that I could just pay it and call it done. They supervisor came on the phone said they would have never offered me that amount and told me she had to review the phone conversation. They did review and called me back told me it was their mistake and could not offer me that amount. In good faith I took their word they were giving me correct information.…
CFPB COMPLAINT DATABASE
World Acceptance Corporation
185 real consumer complaints filed against World Acceptance Corporation at the Consumer Financial Protection Bureau in the last 12 months. 49 received relief from the company. Median federal response time: 15 days.
Most common issues
- 01Attempts to collect debt not owed45
- 02Incorrect information on your report43
- 03Problem with a company's investigation into an existing problem23
- 04Improper use of your report18
- 05Took or threatened to take negative or legal action17
Top states filing
Recent complaints
The 30 most recent complaints against World Acceptance Corporation where the consumer chose to publish their narrative.
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.
Validation of Debt Request - WORLD FIN - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.
" WORLD FINANCE XXXX '' This letter serves as a formal demand under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX ( XXXX ), & FDCPA XXXX ( c ) to cease and desist from reporting inaccurate information about me to credit reporting agencies. Specifically, I have identified the following inaccuracies on my credit report : XXXX AMOUNT {$500.00}. These inaccuracies are damaging my credit standing, and I demand that you immediately cease reporting these items and remove them from my credit file, they are a direct violation to my credit report, my mental stability ( ACTUAL HARM ). Failure to do so within XXXX days will result in further action, including legal suit which is {$1000.00} per every violation you have made, & possibly but not limited to legal fees, along with pain & suffering as permitted under the FCRA. Please confirm in writing that these corrections have been made. PLEASE ATTACH copies of relevant supporting documents, and I expect your prompt compliance.…
Validation of Debt Request - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.
World Finance stated in its response that it no longer furnishes information about my account because the debt was sold. However, the tradeline continues to appear on my credit report as a derogatory charge-off. If World Finance is no longer furnishing information to the credit reporting agencies, I am requesting clarification on how the account continues to be verified during disputes with the credit bureaus. Additionally, the reporting contains incomplete information, including Worst Pay Status : Unknown, which indicates the payment history can not be fully verified. Under the Fair Credit Reporting Act, furnishers must report information that is accurate and complete. Because the information appears inconsistent and potentially unverifiable, I am requesting that this tradeline be deleted from my credit reports.
I had an account with world Finance that was closed inXXXX. The issue I am reporting related to how the account was handled or reported after it was closed. I made payments toward the account but was not able to finish my installment payment because I lost my job. However, after the account was close in XXXX I noticed issues such as incorrect reporting, fees or other problems related to the account Despite the account was close for several years this issue as continued to affect me
Receiving demanding calls and messages. Inaccurate information was provided. I never received any service from this business. I requested information over 45 days ago. Still nothing. I am receiving threating calls and constant voice mails. This stressing me out because this company by is violating my rights under 15 U.S.C. 1681s-2 ( a ). Information is inaccurate. This account is not mine, and I do not owe this debt. I request that this account be removed from my credit file immediately. It is affecting my credit score and me getting a home. Please help protect my identity. Thank you for your prompt attention.
This company is breaking the law by failing to provide proper validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, theyve added a collection to your credit report. Ive already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately.
I am filing this complaint regarding the continued reporting of inaccurate, incomplete, and unverifiable debt buyer and collection accounts on my credit file. Despite formal disputes, the following companies continue reporting without providing competent documentation : World Acceptance Corporation These entities have failed to provide signed contracts, lawful chain of assignment, complete payment histories, or documentation establishing the Date of First Delinquency. This conduct violates : 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher duty to investigate 15 U.S.C. 1692e False representation of debt I am requesting immediate deletion of all unverifiable tradelines and confirmation of compliance. Failure to resolve will result in further regulatory escalation and civil enforcement of my rights under 15 U.S.C. 1681n and 1681o.
Validation of Debt Request - WORLD FIN - XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.
XX/XX/year> its two accounts they removed one and one is highly impacting my credit score and they stated it was going to be removed only was late once due to pay coming late and they stated they was going to give me a onetime forgiveness and remove the late fee as well. They switch Branch Mgrs and the new Mgr would not do it cause he wasnt aware of the issue please remove from credit file trying to purchase my first home in 30 days
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is 15120is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
I wrote to the company that this account was fraudulent. Before the company XXXX XXXX XXXX bought this account from World Finance. I had tried to resolve this matter directly with World Finance, to no avail. I have done XXXX FTC reports, and XXXX Identity Theft report. XXXX XXXX XXXXXXXX FTC Report - XXXXXXXX XXXX XXXX XXXXXXXX FTC Report - XXXXXXXX XXXX XXXX XXXXXXXX Identity Theft report XXXX. Under FCRA 1681s2 ( b ), it is the furnishers responsibility to conduct a reasonable investigation using this report. I am not required to provide the full report ; they may obtain it themselves using the reference number provided. If they want to find the report, that is what their correspondence team is for. They also stated they sent out correspondence about the debt they claimed was mine. I never had affiliation with the address they have on file, nor does the account belong to me.…
I have filed an FTC complaint and a complaint with the Attorney General against World Finance Corporation after researching this company and its repeated unlawful collection and reporting practices. The first and most serious violation is that I never received any written notice from this company before this account was placed on my credit report, in direct violation of FDCPA 809 ( a ). After discovering the account, I requested full debt validation more than 30 days ago, and I have received nothing. Proper validation includes the name of the original creditor, a valid account number, an itemized breakdown of the balance, documentation showing I have a legal obligation to pay, and proof that World Finance Corporation has the legal authority to collect and report this debt. None of this information has been provided.…
XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/year> World Finance Corporation XXXX XXXX XXXX XXXX XXXX, SC XXXX RE : FINAL NOTICE FAILURE TO VALIDATE DEBT | VIOLATIONS OF THE FDCPA & FCRA ACCOUNT # XXXX To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : 1. A copy of the original signed contract or agreement bearing my signature ; 2.…
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Re : Dispute of Inaccurate Collection Account World acceptance acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX To Whom It May Concern, I am writing to formally dispute the validity of a collection account that appears on my XXXX credit report. The account in question is listed as : Creditor/Collection Agency Name : XXXX XXXX Account Number This account is inaccurate, incomplete, and unverifiable. I request that XXXX conduct a full reinvestigation pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and remove this item if the furnisher can not provide documented proof of its accuracy. Additionally, I want to emphasize that my personal information was compromised in the XXXX data breach of XXXX, which exposed Social Security numbers, dates of birth, and other sensitive identifiers of millions of consumers.…
XXXX XXXX XXXX has deleted its tradeline after I disputed and requested validation ; however, XXXX XXXX XXXX XXXX XXXX the original creditor, refuses to resolve the matter. The account was furnished without ensuring maximum possible accuracy and without providing a wet-ink signed contract, full chain of assignment, or proof of my authorization. Both parties actions caused credit harm, distress, and financial injury. Deletion alone does not remedy the damages already suffered.
Thank you for your response dated XX/XX/year>. I acknowledge World Acceptance Corporation XXXX XXXX statement that it is no longer furnishing my tradeline and is no longer attempting to collect the debt, and that the account has been updated to stop outbound communications. I am submitting this feedback as part of a new case, as my prior CFPB case XXXX was closed without receiving confirmation that the tradeline was fully deleted from my credit reports. This new submission is necessary to obtain clarification and written confirmation regarding the deletion of the tradeline. I am a victim of identity theft, I do not own this account, and I previously filed an FTC Identity Theft Report disputing ownership.…
WORLD FIN is falsely reporting on my credit. I have never had any accounts with them. Per my research WORLD FIN is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
Subject : Failure to Properly Investigate Disputed Account World Finance is reporting account [ Acct # XXXX ] on my credit report that I have formally disputed. They failed to conduct a reasonable investigation and continue reporting unverifiable information. No signed contract, payment history, or proof of obligation has been provided. This is a violation of the Fair Credit Reporting Act and unfair reporting practices. Because World Finance can not substantiate this debt, continued reporting is inaccurate and damaging. I am requesting immediate deletion of this account from all credit bureaus and written confirmation of removal.
Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : World Finance Consumer : XXXX XXXX Account No. : XXXX Dear Sir or Madam, I am formally disputing an account being reported by World Finance on my consumer credit reports. World Finance has failed to provide competent evidence that I owe this debt and has not proven that it has the legal right to report this account. Despite my disputes, World Finance continues to verify and furnish this account as accurate without providing proper documentation, which violates the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ). Furnishing information without conducting a reasonable investigation is unlawful and damaging to my credit profile. Because World Finance can not properly validate this account, I am requesting immediate deletion of this tradeline from all consumer reporting agencies.…
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, IA XXXX Re : World Finance XXXX : XXXX XXXX Account No. : [ XXXX ] Dear Sir or Madam, I am formally disputing an account being reported by World Finance on my consumer credit reports. World Finance has failed to provide adequate documentation proving that I owe this debt and that they have the legal right to report this account. Despite my dispute, this account continues to be verified as accurate, which violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). Reporting information that can not be properly verified is misleading and damaging to my credit. Because World Finance has not provided competent validation, I am requesting that this account be deleted from all credit reporting agencies immediately.…
Same thing happen to you?
Upload your evidence. We draft a formal complaint with citations in 10 minutes. CFPB legally forces a response in 15 days.