Consumer complaint received 2018-04-19
Company: World Acceptance Corporation
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XXXX XXXX in XXXX, Indiana. There has almost always been the same two, XXXX, and a blonde, very thin woman, I think her name is XXXX. 

It has been a couple years ago, I was at an auction and I bid {$5000.00} on a house, and blew my mind when I won. I didn't exactly have the cash, and thought I could get a loan for some of it. I went to XXXX XXXX. My credit was fine. my income was worrisome. I am XXXX, and otherwise get odd jobs, writing assignments etc.. that is some self-employment. Your own loan officers made a suggestion that I go get proof, or a note, typed on a ''letterhead '' so it said all my self-employment came from a real company. sure, I didn't mind, how I had to show my income, I needed the approval. I also over time got an extension added to the loan. They would walk away and ask me to make up something to attach the loan to. 

I paid the payments which were an outrage due to the high rates on time, then near end of loan I got a little behind. Yes, I am still behind approximately {$580.00}. I make payments whenever possible, at least monthly, and this is the amount I am behind over a period of time so being nothing more than an accumulation of late fees and extra interest on the loan over time really. The reason I got a little behind was due to severe health problems, which I notified them of my difficulty. The total amount due to pay off the loan? about {$580.00}. Needless to say that this points out that I notified them of illness, and other than the accumulated fees and extra interest you see here, it would mean I might have missed 1 payment overall. 

Honestly, I would say not bad considering the loan officers wanted fake work notes to give me the loan. How many families did they push loans on that couldn't afford them? I have paid, and am currently making regular payments to XXXX XXXX. I should be paid off soon. That's great right? 

Right! Problem currently is they won't stop calling me. Just as I say I am ill, I pay when I can, which leads up to a payment per month, they keep calling. i got very angry and asked XXXX to stop and hung up on him. He immediately called back. I blocked their number and they would not stop. now they are calling my XXXX XXXX XXXX mother and harassing her. They have crossed the ground into stalking. Even when I am paying every month! On top of it being an illegally pushed through loan by one their own officers who exploited my needs and told me the only way to get the loan was to make up a business letterhead and write a note saying how much I make being self-employed, but look like an employee. 

Now they stalk and harass me, my mother, my ex-mother-in-law, my aunt, my boyfriend, and I am afraid of who is next! And I am a paying customer who was duped into doing business here. 

I believe EVERY loan should be reviewed in this location. They are taking advantage of a community, and brow-beating, stalking, and causing undue stress and anxiety on many elderly with their collection activities on loans in a low-income community that does not need this type of predator in its midst. 

I am only asking for a review, maybe a review of this company, this location, and its current loans. I will pay what I owe, and know to not do business there again.

Company response to consumer: Closed with explanation