Consumer Complaints and Reviews
Reading some of these complaints make me wonder. First, the young lady that has a Protective Order against her ex, and he takes his girlfriend in with the young lady's car title, obtaining a loan and getting a lien against her car title. There were so many laws broke here, #1 is the ex's disregard for the court order thereby violating the injunction. #2 the ex's girlfriend committing fraud, identity theft and a number more. #3, the company only gave the young lady a lien release (to heck with this the company needed to go to DMV and undo what they done at their cost, not the young lady's cost). Finally, you have violations under the "Truth In Lending Laws" which are both state and federal violations. The company and its employee(s) are liable both criminally and civilly for what was done.
Now, as for me being a customer, I am not totally happy, they are not as truthful about things as they should be. They only report to the credit bureaus every so often, they DO NOT report the correct balances which makes it look like you are not paying every month. Then when you question about their reporting (or lack thereof) they do a song and dance to cloud the fact they don't do what they say they will do for your credit score. But so far they are ok. I will agree that their interest rates are extremely high, but they are a high-risk lender.
They send out pre-approvals like toilet paper. I received several and responded when in need of some quick cash. Once they get your social security number they are slow and apathetic about responding. The poop face dude in Pineville told me he'd be calling within a couple hours. Never called. MAYBE HE DIED. Only this death would absolve his sin.
I got my loan Dec 2013 so I could give my kids a good Christmas. Well, I lost my Nov 2014 and couldn't make the payments for 3 months. When I finally got a job, they still serviced me court papers and I had to take time out of training to sit in a court room just so they could write that we had an agreement. So I lost time and training and was let go from that job. Now I have a new job but I broke my hand on the job and can't work a full 40 hour work week, so what I do make goes to bill and house payment. But they don't care, they say they will work with you but yet when it boils down to it they won't work with you.
The manager and assistance manager are snobby and they make threats to turn it over to the courts when I know my brother and sister-in-law are behind on their loan from a different branch for over a year now and they still haven't turned them into the courts. But they sure as heck are quick to call family friends and my job that I don't work at anymore. Very quick to call people that I told to go to them for loans asking them about my personal business and when they won't tell them anything they get snobby with them.
I told them already once I get caught up on bills and my rent payments 'cause my landlord is very nice and letting me make small payments to keep myself afloat. But they do not work with you and wish I knew who to contact that's over these woman. The other lady is very nice and understands situation so when I do call I try to make sure it's her I'm talking to. 'Cause the other two need to go to people skills classes cause they treat you with disrespect.
Somehow my ex used the title for my car as collateral for a loan he took out in his name only. I was not in the state of Oklahoma when he did this, as I had moved to MO and had a VPO taken out against him. He took some girl into the loan office and the employee didn't check her ID, accepted my car title - luckily, this girl didn't sign anything. This is absolutely asinine, and I cannot believe that the employee handled this the way she did. I cannot fathom not checking an ID or not having someone sign something they're using as collateral for a loan like this.
I didn't know until I received a new title for my car forwarded to my new address by a friend, and I opened it to see "lien holder World Acceptance Corp". The regional manager for Oklahoma handled this very well, and I commend him for that. He realized the implications of this and agreed to send me a lien release for my car. That is the only reason I am not reporting this atrocity to the attorney general of Oklahoma. If there were ever a company singled out for completely terrible business practices, this would be it. I do not recommend doing business with them, their interest rates are murder. And clearly, they are willing to break laws to make a dime. If my car had been taken by the company, it would have been theft on multiple levels, and fraud. I probably never would have gotten it back, or been slapped with fees and charges for the tow truck, and whatever else costs they would associate with it being possessed.
My ex very likely would have defaulted on this loan, and if they had done any kind of credit check they would have known this. He is currently having his wages garnished for defaulting on a loan to Maverick Finance Co. Which at the time he took the loan out with World, he had been sent a "Right to cure" from Maverick and they had already reported to the credit bureaus that he defaulted after making one payment.
Add in the CapitalOne Visa that was $183 over the limit in fees with a $300 limit, the Discover card with $231 in overage fees on a $1,000 limit, a First Premier bank Gold card that was about $150 in fees on a $700 limit and about to be turned over to collections because he never even made one single payment, and a Credit One card that was in collections at this time because again, he never made a payment after maxing out the $600 limit.
Add in a payday loan from Check n Go and one from Advance America - I am SHOCKED this employee even allowed him to take out a loan here at World Acceptance. He clearly could not afford to pay his bills and credits he had been granted already. So approving him for an installment loan here was a grievous abuse of her power to trap him in a loan he cannot and likely will not pay.
I want to say the district manager's name is Roger? He did handle this graciously, but I have to say I did not like that he was trying to get me to admit to coming into the office when I was not in the state and have a VPO against the man who did this. "It doesn't really matter if you did come in because you didn't sign anything." I wasn't there. This was fraud. However, he called me back after I had called the head office for this company and was told I probably wouldn't hear back until Monday, which I understood as I called right before 5pm. He called me I'd say about 20 minutes later and handled the situation, for which I am extremely grateful. But I would not recommend ever using this company as they are currently about to likely be shut down because they use "loophole laws" to charge 80% and more interest fees and prey on desperate people.
The interest rates aren't posted, they harass you at home and work even after you told them you can't pay them because you get paid biweekly and that your father recently died; and you had to take over his debt load. They are crooks, point blank.
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I guess my first loan with Acceptance in Pell City was around 2001-02. I was approved for a 1998 Chevrolet Tahoe. Once the Tahoe was paid off for the next few years I acquired several loans from Acceptance. From the time I bought the Tahoe up until about 2014 there will not be four months that I was not paying on a loan at Acceptance. For several years while dealing with ** I would get calls and be approved for a separate personal loan during Christmas along with an already on going loan. I kept them all paid. Once ** left I got refused the first Christmas loan. I was told that they were under new management and things were changing.
In 2014 I went up and applied for a loan on a Toyota Camry. I told it should not be a problem. At this time my daughter had start working at Acceptance. She said that "they are not going to give you this money." I said "I always get my loans here." She said they just be turning people but I knew my record was good. ** called and said new management would not approve. That day I paid off $1100 dollars to close account at Acceptance and got the money for the car somewhere else so I would not have two bills. I have never to this day received any kind of advertisement, letter or anything from this company since. I think that is bad business.
I've done business with this company before, I believe it was 2012 or 2013 in Rainbow City. Ms ** and Ms ** were the managers. Anyway it was a very good to had done business with. That the reason I decided to try it again. One mind told me to go back to Rainbow City, but I said that Jacksonville is closer. Actually its right across the street where I work.
I needed to purchase a radiator for my car. Little did I know they was gonna cut the hours tremendously. I started getting slack on my payments. My phone was ringing off the hook, for awhile I ignored it. Ms ** called my job, sent a agent out to my house. The lady was real nice and very understanding. I called Ms ** had tried to explain about hours and that I was gonna pay, but please do not call my job. She went to say "you got this loan", and she couldn't hold it. She need to know when I’ll be in. I told her I didn't know. Anyway, let say she was happy with my answer. I eventually found another job. It was 45 minutes away, but I took the job. I needed this job, I endure some things but I stuck in. I wasn't late anymore. I paid the loan off, but then I gets papers to go to court. I being sued for $72. I couldn't believe it. This left a very bad taste in mouth.
I did all I could to pay this loan, borrow from my friend, whom I still owe. Had a conversation with Ms **, the other manager. The bottom line is $72 and $111.30, I don’t know how I gonna pay this. But somehow, that Ms ** told that lie in court, that I said, "I’m not gonna pay you and you should just take me to court." Oh well! THIS IS THE END.
I referred a customer to you guys whom successfully acquired a loan back in December. I didn't get my referral check yet so I called. Christy said she mailed it around the 1st of January. I advised I haven't received it and asked what she could do. Her response was "I can't do anything it's already been issued". I said, "Can't you cancel the other one and I could just pick it up to avoid this from happening again?" She says "you'll have to pay the check cancellation fee". I refer someone, I don't receive the referral check. What's the point? And I have to pay for the blunder? How is that fair?
World Acceptance came to my house harassing me at 6:00 PM at night. I thought it was a burglar. She made very threatening remarks towards me. She said if she has to come back, it would be trouble. I was shocked. She handed me a letter in my hand. I don't think I should be harassed like that. Her name is Veronica.
I would like for you to deal with this and respond immediately about what action I can take about being threatened. I'm not even 30 days late. My bill is due on the 28th of December, she came to my house on December 15, 2014. I asked what the late charge was for. She stated there is no grace period. In the four years that I have had this loan, I have never been 30 days late - not once. That is why I am so shocked that I am being harassed. I would like for you to deal with this and respond immediately about what action I can take about being threatened and harassed by World Acceptance Corporation.
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.
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.
World Acceptance Corporation Company Profile
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