Consumer complaint received 2018-04-16
Company: World Acceptance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
About the loan with XXXX XXXX, I am very appreciative I was approved to receive. Due to Hurricane XXXX in XX/XX/XXXX, I have had extreme difficulties to regain financial stability due to mandatory relocation for my family and myself. Upon returning home, I applied immediately in XX/XX/XXXX for the Disaster Assistance through FEMA and U.S. Small Business Administration, in which I faxed all correspondence I received from both agencies to my creditors. Since, XX/XX/XXXX, I am suffering retaliation from management, in which has caused my health to become compromised. As a single mother and sole provider for my XXXX youngest sons, it has been a struggle for me to keep a roof over our heads and myself from being admitted to the hospital. Since, Hurricane XXXX and being retaliated against, it is beyond describing what my family and I continue experiencing. After completing the process required to obtain a loan through the U.S. Small Business Administration, I was denied and sent back to follow-up with FEMA. I gave up last month trying to seek help through both agencies. I made a {$110.00} payment in XX/XX/XXXX, the week of XX/XX/XXXX-XX/XX/XXXX with XXXX, a representative, in-person at XXXX XXXX. The loan officer by the name XXXX was present, as I was explaining the reason for the delay in payments. I called and spoke with XXXX, on XX/XX/XXXX to make another payment of {$75.00}. XXXX, the manager at XXXX XXXX, refused to accept my payment. OnXX/XX/XXXX, I spoke with XXXX ; he demanded payment of {$240.00} to be paid by the end of business day. I explained, I did not have that amount, but I will reach out to my mother, to see if she could cover the payment for me. Thankfully, my mother said, she would come from XXXX to pay the loan off for me. My mother asked me, to call XXXX to ask if they accept XXXX, XXXX or XXXX XXXX, in which my mother brought all three form of payments with her. I called XXXX, to inquire before my mother drove the distance to ensure they accepted each payment types. XXXX told me, they did accept, which I knew they accept XXXX because that is what type of payment source I use. After my mother drove over an hour and fifteen minutes to XXXX to pay the account in full, XXXX declined to accept each form of payment my mother offered to him. My mother came to my job, beyond upset to inform me of how XXXX handled, spoke and treated her. Of course, due to the circumstances, I am currently going through with my employer and being told of payment refusal, caused me to experience a severe XXXX XXXX. On XX/XX/XXXX, I called and spoke with XXXX, to make payment of {$220.00} with my XXXX. And also, express how upset my mother and I was of how XXXX knew she was traveling from a distance, mistreated her and refused payment, he agreed to accept the payment. To be told by XXXX, he could not take payment of {$220.00} per instructions from XXXX. The balance of my loan at the time was for {$600.00} after attempts since XX/XX/XXXX- {$75.00}, XX/XX/XXXX- {$240.00} agreed between XXXX and me but was offered to pay account by mother, and XX/XX/XXXX- {$220.00} was refused to be accepted by XXXX, the manager. As a consumer, I am responsible for repayment of the loan I have with XXXX XXXX. I provided documentation with the explanation to delay in repayment with assistance I applied for due to natural disaster assistance with payments made after the aftermath to the best of my ability. If it were not for XXXX XXXX refusal to accept payments, my account with XXXX XXXX would not be in its current state it is in. It would have been taken care of by my mother in full on XX/XX/XXXX. Just to be clear, I am struggling still with rent notification for payment due since XX/XX/XXXX. My youngest son will graduate in 6 weeks, and I have been unable to purchase his cap and gown, XXXX pictures and graduation pictures as of today. I am currently in the middle of filing a charge with XXXX by advisement from my attorney against my employer. I am truly going through more than I honestly can handle to keep from having a XXXX or XXXX XXXX. In which, I explained to XXXX and XXXX on the day, I went in-person to make a payment in XX/XX/XXXX. This complaint is on behalf of decisions and harassment behavior made by XXXX, the manager for pay for my loan account, in which he refused numerous times to accept payments. The type of behavior expressed by XXXX exceeds beyond harassment and mistreatment. Someone of his character should not be in management positions for corporations, such as XXXX XXXX, etc

Company response to consumer: Closed with explanation