I explained to the lady I don't always get mail at my address. She was very hateful from the time I sat down until the time I left. I had an Oklahoma license, and that has always worked on loans before. She could be a little nicer.
Consumer Complaints & Reviews
I have had an account with this branch for close to a year now. I am not always on time, but I've never been outside of the month with my payment until now. My payment is due on the 24th of the month. My account is due for the month of June. Due to extensive/expensive car repairs, I am late with making this payment. To date, I have received telephone messages daily both on my cell phone and at my job. I haven't received the first letter at home. I haven't had the first World employee knock on my door at home. This afternoon, a gentleman shows up at my office. He asks the receptionist if I am in. I sit perhaps 10 feet away from her. I spoke up and told the gentleman that I was who he was looking for. He walked over to my desk and proceeded to tell me who he was, who he was with, why he was there and that his manager wanted me to call her while he was here to let her know when I'd be paying. I sit at a large desk in an open space with my co-workers all within 10 to 12 feet of me. I maintained my composure as best I could, told him to take one of my cards off my desk as "proof" to her that he had been here and to tell her I'd see her Friday of this week. With only being 3 weeks past due and my pay day coming up this Friday, the payment will be made at that time. I could understand this type of desperate action against me if my account were 2 months or more past due, but we are talking 3 weeks or less here! Working the same hours as this branch's office hours prevents me from calling them back to let them know these things. Perhaps an answering service or answering machine might prevent a lot of issues in the future.
I am outraged that I have been subjected to this type of invasion on my privacy and can only guess at the repercussions should the company's owner find out that this has happened. If I lose my job over this, I surely won't be able to pay on my loan at all. I strongly urge this company to review the practices of this branch in order to divert any possible future legal issues over their choice of methods to collect debts. While I am not at the point where I am considering getting an attorney involved over this violation of my rights under the FDCPA, I could reconsider that if this type of harassment does not cease immediately!
In closing, let me say that I have been in the collections field myself for almost 30 years and I find this lack of common courtesy deplorable in this branch manager. Perhaps this company should re-think having someone in charge that is obviously so arrogant, young and inexperienced. These types of "collection practices" could get their company in a legal mess!
First off, I do not deny that I have had late payments, for I have. But every time, I do take a call from this company and it's 99% of the time that Liz, calling this woman, yells at me or threatens to serve me at my job so I will be fired. She has been asked verbally over 5 times to please not call my job. I also put it in writing in November of 2010 to not call my job due to the fact that I'm not allowed to take calls. I have received write ups due to her calls. She still to this day continues to call my job. This has resulted in 4 write ups and a 2 week-suspension without pay. And still she says that she will not and does not have to stop calling my job. I am now catching my loan up. But to be honest, this is the worst loan company I have dealt with in my entire life. And I will tell everyone I know to never use them. This is no way to treat any person.
I had a loan back in 2007 that was paid off. I have my Equifax credit report and its showing that I am late. This loan was taken care of (paid in full) 2/13/2007. I do have document showing where it was paid off. I have contacted Equifax six times disputing this, they will not remove it because World Acceptance is stating that the reporting history is correct. I have a letter that was sent to me by a Judson K. C. who do not even know how to read a credit report. I am at odds with this company. I have explain to them, if an account has been closed since 2/2007 how can you still report to them as account is being late? I am ready to take the necessary action against them. If you need me to fax over my credit report, document showing the loan was close and my credit report, I can. I really need this matter cleared up.
