Consumer complaint received 2020-10-20
Company: World Acceptance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XX/XX/XXXX I applied for a loan with World Finance at XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX. During the application process, I was told I was approved. The manager was entering in all my information and asked me proof of income and references. Soon after, she told me that an account would show up under my social security number that she had not seen before. I explained that it was discharged in a bankruptcy in XXXX and that I no longer owe the amount. She said that she would need to call the CORP office and have it fixed and would call me on Monday. 
XX/XX/XXXX I had not received a call and finally got around to calling for status. She told me that I would first have to pay the amount owed before she could re issue a new loan under my name. I then explained to her that I did not owe any monies as I was discharged in a Chapter XXXX bankruptcy and that she could not collect or have a balance owed. She then asked when I would be able to pay. She also stated I had TWO bankruptcy 's, which I do not. I then asked for her supervisors number which she purposely did not give correctly. I soon talked to the District Manager and he again stated that I had a balance. He stated that having that balance owed would be the reason that a loan would not be approved. He said that I still had a balance that I needed to pay. I then asked for his supervisor. 
I talked to Regional Director regarding this same issue. I asked her why I was being denied credit.

I told her that I was approved and that it was later denied because of this balance that was included in the bankruptcy and that was the sole reason for the denial.

I told her that two employees attempted to collect even though a discharged was confirmed over the phone with her I also told her that they later said that loan was also denied because of the type of income I had. ( Social Security ) She proceeded to look at my application again and started naming some things that had not been mentioned before. She said I had some credit cards that were late, I explained that they were in dispute because of COVID regulation. She said that based on that information that I would still be denied for the loan even though that was never an issue brought up by the other two persons. 

The ECOA ( 15 U.S.C. 1691 and following ) and Regulation B ( 12 C.F.R. 1002 and following ), which implements the ECOA, prohibit discrimination in any part of most credit transactions : applications for credit credit evaluations restrictions in granting credit collection procedures The ECOA makes it unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction because of : public assistance status, or exercise of your rights under certain consumer protection laws, like the Fair Credit Reporting Act ( FCRA ) I believe that I was discriminated against because of these things and because I filed a complaint with the CORP office regarding this matter. Instead, I was retaliated against because I was exercising my rights under Consumer protection laws, and exerting my rights under the chapter XXXX bankruptcy. 
It is my understanding that they are in violation of the bankruptcy order because they used the " balance '' discharged in my bankruptcy to determine credit, even though, I had already been approved by the Branch Manager and then I was later re evaluated by the Regional Manger because she was obviously looking for reasons to deny my application.

Company response to consumer: Closed with explanation