Consumer complaint received 2026-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation
State: SC

Complaint narrative:
Good morning ill be brief as I can my loan was open with XXXX XXXX back XXXX 2024 the requirement 's was bank auto draft on an account I still have. XXXX XXXX drafted my account twice up to XXXX. I have not heard from XXXX XXXX I tried to call them then go up there to pay a bill to my surprise the office was shut down. Move forward the following year world finance contacted me through via phone. the lady I spoke to was very rude at the time and said I owed two months of payments to them with late fees as well I informed her that my account should've been auto drafted as I signed a contract with XXXX XXXX. The lady informed me that all the information when they bought up the accounts from XXXX XXXX did not port over correctly. As well as I never received a phone call or written notice that my account was being transferred over. The lady at world finance and I disagreed on paying the late fees and months added up of fees being this was not my fault. Then I reached out again to make the monthly payment I owe a gentleman I talked as well was very unruly and unprofessional. So I reached out to corporate I talked to a lady named XXXX XXXX, I told her everything that was going on explain on via phone then did do a follow up email as well. she informed me that she would get back with me she did. She contacted me a week later stating that I can start fresh with them around that time a payment was drafted out my account so everything was cleared up. To my surprise a week later it was drafted back to my account so once again I contacted world and talked to the lady down there that informed me she was the manger and of course it was the same rude lady before told her the situation and she stated yes, the months payments and late fees we need I then stated to her what corporates told me about starting fresh the lady then stated she was never informed of that and it still needs to be paid the full amount owed. By this time months of late payments was on my credit an dropped my score tremendously. I reached out to XXXX from corporates once again through numerous of emails and phone calls she got back to me I told her the issues and the returned payment she stated they was having a lot of returned payments due to the system updates etc. etc. she said it should be fixed as well as going on about the miscommunication down there She informed me that everything is cleared up and should be fixed now I also filed a complainant about the lady and gentleman at the XXXX branch with her. so contacted XXXX once again because I was informed to do so and make a payment and when I called I got them same as before rude and the same answer then before. At this point I'm tired of the mix up an confusion. so I reached out higher to corporate to do a formal investigation at this point being down my account became charged off and profit loss on my credit. with XXXX XXXX I filed an investigation she also stated that the lady and gentleman at the XXXX branch is no longer employed with them. Perhaps for a good reason? I also filed to corporate that I wanted to wash my hands with this mix up that I just wanted them to clear the XXXX dollar debt by now .My arguing case was the fact I tried numerous of times to pay the amount of the first month but was told they will not accept that payment unless its late fees added with other months was informed by the gentleman at the XXXX XXXX which isn't there anymore. as well as I did my part by signing that bank drafted contract of auto pay this falls under world finance fault. also if you looked at the account everything was smooth and payments was being drafted with XXXX XXXX the old loaner. I also stated the reason behind wiping the debt clean due to I have to play fix my credit and rebuild up which takes months over a year. the reputation of my name with banks, loans anything regarding credit is ruined due to this charged off account that accumulated from XXXX to XXXX over time. I figured that was a fair ask with world corporate the hard ache, the run around unprofessional and the damage of my credit. I'm paying in the long run with higher interest rates as well as I have this charge account hanging over my head while I'm trying to pursue on buying a house. the most important part is the credit building its quick to take a drop on credit score but seems like a life time getting it back to where it was.

Company response to consumer: Closed with explanation