Credit reporting
World Acceptance: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 138
- Closed with money back
- 0%
- 2023 to 2025
- 25 to 72
Servicemembers filed 6.5% of World Acceptance's 2,111 complaints in the window, against 2.5% across the directory. The complaints are mostly about credit reporting or other personal consumer reports, and the single most common issue is "Incorrect information on your report". 0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 25 in 2023 to 72 in 2025.
What the complaints are about
By product
| Credit reporting or other personal consumer reports | 67 |
| Debt collection | 37 |
| Payday loan, title loan, personal loan, or advance loan | 23 |
| Credit reporting, credit repair services, or other personal consumer reports | 6 |
| Payday loan, title loan, or personal loan | 3 |
By issue
| Incorrect information on your report | 37 |
| Improper use of your report | 25 |
| Attempts to collect debt not owed | 23 |
| Problem with a company's investigation into an existing problem | 17 |
| False statements or representation | 5 |
| 2023: 25 | 2024: 41 | 2025: 72 |
Which accounts, specifically
| Credit reporting | 77 |
| I do not know | 21 |
| Installment loan | 14 |
| Payday loan debt | 11 |
| Personal line of credit | 8 |
What went wrong, specifically
| Reporting company used your report improperly | 20 |
| Account status incorrect | 15 |
| Account information incorrect | 14 |
| Their investigation did not fix an error on your report | 14 |
| Information belongs to someone else | 11 |
Busiest month: January 2025, with 15 servicemember complaints. Most were submitted by web.
Most complaints came from GA (30), TX (19), SC (15) , then AL, LA, IL.
How World Acceptance answered
| Closed with explanation | 124 | 90% |
| Closed with non-monetary relief | 14 | 10% |
World Acceptance responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Payday loan, title loan, personal loan, or advance loan; Problem with the payoff process at the end of the loan. TX, 2024-08-29. Outcome: Closed with explanation. Complaint 9962411
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Payday loan, title loan, personal loan, or advance loan; Problem with the payoff process at the end of the loan. SC, 2024-08-27. Outcome: Closed with non-monetary relief. Complaint 9940216
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Credit reporting or other personal consumer reports; Problem with a company's investigation into an existing problem. GA, 2024-08-27. Outcome: Closed with explanation. Complaint 9921327
If this is your problem at World Acceptance
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with credit reporting peers
- Mariner Finance 139 servicemember complaints; 0% with money back
- Ford Credit 136 servicemember complaints; 1% with money back
- Consumer Portfolio Services 146 servicemember complaints; 0% with money back
- CashRepublic 149 servicemember complaints; 1% with money back
- Opportunity Financial 124 servicemember complaints; 0% with money back
Next in the directory by volume: Harris & Harris, Ld.
Frequently asked questions
How many complaints did servicemembers file against World Acceptance?
138 complaints tagged servicemember were received by the CFPB about World Acceptance Corporation between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 25 in 2023 to 72 in 2025.
What do servicemembers complain about most at World Acceptance?
Credit reporting or other personal consumer reports accounts for 67 of the 138 complaints, and the most common issue is "Incorrect information on your report" (37). Next: "Improper use of your report" (25).
Does World Acceptance give money back when a servicemember complains?
0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 14 closed with non-monetary relief and 124 closed with an explanation only. World Acceptance answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.