World Omni Financial corp.

b'As we all know, we have a government shut down twice in the last six months, which has affected federal workers, especially XXXX XXXX As I am a XXXX XXXX myself for the last six months I have gone through almost 6 months without being fully paid properly as soon as we got out of one shut down we went right back into another shut down, making my bills pile up. I am literally choosing between food Cash rent or my car. I called my car loan company and asked them if they could help out. I explained to them this is the second time this has happened to me. I have notified them that I am a XXXX XXXX in the first government shut down so they already have it on file that I work for XXXX and now here it is the second time its happening in less than six months and they still dont have a way to offer any assistance to those affected by the government shut down, which is completely out of our controls.…

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I had a lease with XXXX that ended on XX/XX/year>. I received a final lease statement that listed prepaid property tax in the amount of {$830.00} and estimated property tax of almost {$3000.00}. I contacted the dmv and my local tax authorization and I was advised that the numbers on the final lease statement were incorrect. I have requested copies of the tax bills XXXX says they received several times and I still haven't received any proof. XXXX responded to my first complaint with another XXXX generated letter that did not answer any of my questions.

Dear CFPB, I am writing to formally submit a complaint regarding XXXX XXXX XXXX and a recent change in their payment policies. I was notified that, effective XX/XX/2026, I will no longer be able to make payments using my debit or credit card. Instead, I am required to provide my bank account information for automatic withdrawals. I have several concerns regarding this policy change : XXXX Privacy and Security Risks : I consider this requirement an invasion of my privacy. Providing my bank information puts me at risk of unauthorized withdrawals, especially in situations where the lease is still active but unforeseen circumstances arise. I am concerned that all the remaining money owed on the car could be withdrawn without my consent, particularly given the uncertain financial conditions anticipated in the near future.…

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The lease on my XXXX XXXX XXXX ended. I turned in the vehicle at the XXXX dealership in XXXX, NC on XX/XX/XXXX. I received the lease termination statement on XX/XX/XXXX. The statement included charges for " prepaid property tax '' in the amount of {$830.00} and " estimated property tax '' in the amount of {$2900.00}. I contacted the XXXX and XXXX XXXX administration office to confirm whether or not these charges are accurate as they seem excessive and the amount of the prepaid property tax is the exact amount of my lease payment ( and that seems ironic ). The XXXX rep informed me that she did not know where the figures came from and she advised me to contact XXXX XXXX XXXX XXXXo request an itemized invoice and copies of any tax bill they've received that indicates these amounts are owed. I have contacted XXXX XXXX XXXX XXXXXXXX times to request an itemized invoice and copies of the tax bills. Each time I have been told that they would send the invoice and bills.…

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nreasonable delay in refund processing I refinanced my vehicle loan and the previous loan with XXXX XXXX XXXX was paid off. I had purchased XXXX coverage for {$1200.00} as part of my vehicle purchase contract. After refinancing, the XXXX c overage should have been canceled and the unused portion refunded. It has been more than six months since XX/XX/year>, and I have not received the refund. The dealership has repeatedly told me to wait, but the refund still has not been issued. I am requesting a full investigation and immediate refund of the XXXX cancellation amount.

Please see attached letter. I followed up with XXXX XXXX XXXX XXXX and they confirmed the check was sent to XXXX XXXX of XXXX on XXXX XXXX in XXXX, FL. I have followed up with XXXX SEVERAL times and no one will tell me where my money is. Someone from finance said the check was received but that someone else would follow up with me. Over 3 months later, and I still have no idea where my XXXX insurance refund is.

Subject : Complaint Regarding Lease Payment Deferral Fees XXXX XXXX XXXX I am submitting this complaint regarding my auto lease with XXXX XXXX XXXX for a XXXX XXXX XXXX. Recently, my vehicle had to remain at the dealership for several days while it was being diagnosed and repaired. During this time, I initially received a sedan as a temporary replacement vehicle, which was not suitable for my work needs. I rely on my truck to perform my job, and the sedan provided did not allow me to continue working normally. As a result, I lost several days of income. Because of this unexpected loss of income caused by the vehicle being unavailable, I fell behind on my lease payments. I contacted XXXX XXXX XXXX to request hardship assistance and a payment deferral. Although they offered to move two payments to the end of the lease, they are requiring approximately {$700.00} in fees in order to do so.…

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Forwawrded request Full loan audit and certified itemization of all charges Documentation of APR calculation and finance charge methodology Copies of all signed documents and add-on enrollment records Correction, removal, or refund of any improperly disclosed fees Contract modification, refinancing, or rescission consideration if violations are confirmed All remedies available under federal and state consumer protection law Request made 2025.

CFPB Complaint Draft Against : XXXX XXXX XXXX Product : Auto Loan Issue Type : Vehicle Repossession / Payment Dispute / Unfair Practices State : Florida Complaint Narrative ( paste this exactly or adjust names/dates ) I am filing a complaint regarding the repossession of my vehicle by XXXX XXXX XXXX in Florida. I spoke with a XXXX XXXX XXXX representative and was verbally informed that I could make my payment by Friday, XX/XX/year>. Relying on that agreement, I attempted to make the payment on that agreed date. However, my vehicle was repossessed the night before, despite the agreed payment extension. At no point was I informed that the account would still be subject to immediate repossession, nor was the repossession order paused or properly documented. I acted in good faith and attempted to pay as agreed. After the repossession, XXXX XXXX XXXX refused to allow reinstatement of the loan and instead demanded full payoff of the balance plus repossession fees.…

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XXXX XXXX XXXX late payments for periods in which this account was subject to the protections of an active XXXX case. While the automatic stay was in effect, I was legally barred from making payments or being reported as delinquent outside of XXXX proceedings. Despite this, late payment information was furnished to consumer reporting agencies. Why is this a problem XXXX payment reporting during an active XXXX stay : Violates 11 U.S.C. 362 ( a ) Results in inaccurate furnishing under 15 U.S.C. 1681s-2 ( a ) I previously notified the company of the XXXX and requested a correction. The inaccurate reporting remains.

I engaged in a consumercredited transaction at XXXX XXXX XXXX and was denied credit. I am filing this complaint regarding repeated issues I have experienced at XXXX XXXX XXXX in XXXX, Florida, during my attempts to obtain financing for a vehicle. Over the past five years, I have attempted to finance a vehicle from this dealership on three separate occasions, including my most recent attempt on XX/XX/year>. Each attempt has resulted in the same pattern of conduct that raises concerns about unfair, deceptive, and potentially discriminatory credit practices. Each time I applied, I clearly stated that I wished to finance the vehicle and expected the dealership and its affiliated lenders to evaluate my application using my Social Security number for the purpose of determining available credit options.…

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I am submitting this complaint regarding XXXX XXXX XXXX and my XXXX loan account. I requested XXXX XXXX assistance due to serious ongoing XXXX XXXX that have significantly affected my ability to work and maintain income. I am seeking reasonable XXXX XXXX such as payment deferment or reduced payments while I continue medical care. XXXX XXXX XXXX has not provided an affordable or reasonable hardship option despite my good-faith request. I am concerned about the risk of delinquency or repossession while I am dealing with documented XXXX XXXX I am requesting CFPB assistance to ensure XXXX XXXX XXXX properly reviews my XXXX XXXX request and provides fair and reasonable XXXX XXXX options.

A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

I financed a vehicle through Omni World, which required me to maintain full insurance coverage. My insurer, XXXX, later cancelled my policy following an underwriting review related to a XXXX claim involving an unauthorized driver. The only written correspondence I received from XXXX requested additional information and did not clearly state that failure to return the form would result in policy cancellation, nor did it state that verbal responses were insufficient. I believed the matter had been addressed during a phone call. The vehicle was involved in a total loss on XX/XX/XXXX. Following this loss, Omni World did not contact me at any point regarding insurance coverage, the status of the loan, or the collateral. They did not notify me, did not force-place insurance, and did not take steps to secure or salvage the vehicle.…

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To whom it may concern I am writing to file a formal complaint regarding the failure from Southeast Toyota Finance to timely provide my vehicle title after my auto loan was paid in full, in violation of Florida law. I paid off my vehicle loan in full on XX/XX/XXXX. At the time of purchase, the vehicle title was issued in paper form. After the payoff, a new lienholder was designated XXXX XXXX ; however, the new lienholder has confirmed that they have not received the original paper title. Pursuant to Florida XXXX XXXX, once a XXXX is satisfied, the lienholder is required to release the XXXX and deliver the certificate of title, or provide proper notice, within XXXX ( XXXX ) business days of receiving final payment. To date, neither I nor the new lienholder has received the vehicle title. Additionally, no documentation, XXXX release, tracking information, or proof of shipment has been provided to show that the title was mailed, transferred, or otherwise delivered.…

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I purchased my new XXXX XXXX XXXX in XX/XX/XXXX. XXXXXXXX XXXX XXXX financing for XXXX. I made all payments never had a late payment on my credit report until XXXX when I refused to pay them $ XXXX. I made two payments in XXXX to pay my vehicle off before final payment in XXXX. After calling for my title they held my title hostage demanding {$2200.00} Payment. After XXXX on time payments they Had credit bureau note my credit report My account was closed and in recovery. With no other option because credit bureau was part of holding my title hostage until I paid more money. On XX/XX/XXXX I paid their extortion demand. I contacted them weekly to forward my title and loan paid in full letter. XX/XX/XXXX I received my title but no letter showing account was paid in full. I contacted the XXXX XXXX XXXX about my situation so XXXX updated my credit report stating Charge Off account, Profit Loss account as pay back to me for filing complaints against their Crooked company.…

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Product : Auto loan Company complained about : World Omni Financial Corp ( XXXX Financialrelated lender ) Dealer involved : XXXX of XXXX XXXX XXXX XXXX XXXX ) What happened? I am filing this complaint regarding deceptive practices and misrepresentation related to optional products that were added to my auto loan without proper disclosure or informed consent. On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from XXXX of XXXX XXXX, XXXX XXXX, financed through World Omni Financial Corp . At the time of sale, the finance representative clearly stated verbally that a product called Premium Protect Plus would be included at no charge. I relied on this statement. I was not informed that this product would cost {$2900.00} or that it would be financed and added to my loan balance.…

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On XX/XX/XXXX, XXXX XXXX XXXX received the full payoff of my vehicle loan. As soon as I became aware that the payoff had been completed, I contacted them to request that the account be updated or removed from my credit report. My request was denied. They told me that I need to wait until the end of the month. I find this unreasonable. When I originally purchased the vehicle, the account was reported to the credit bureaus in less than one day. The same level of urgency should now be applied, now that the loan has been paid in full.

What happened? I entered into an auto loan in XX/XX/XXXX. Due to payment issues in early XXXX, the vehicle was involuntarily repossessed on XX/XX/XXXX and sold on XX/XX/XXXX. The lender reported a deficiency balance of approximately {$23000.00} and later applied a refund of {$7000.00} for canceled protection products. I filed this complaint after identifying inaccurate and inconsistent credit reporting related to this account. The lender acknowledged in writing that at least one consumer reporting agency was reporting an incorrect balance and last reporting date and stated that a correction would be submitted. Despite this acknowledgment, my credit reports continue to reflect conflicting information. The account shows a last payment date of XX/XX/XXXX, even though the vehicle had already been repossessed and charged off months earlier.…

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I am submitting this complaint regarding XXXX XXXX XXXX ( XXXX ) and improper lease-end handling of my XXXX XXXX XXXX XXXX Timeline and Facts : I returned my leased vehicle to XXXX of XXXX on XX/XX/XXXX I signed a Lease Termination Acknowledgment at turn-in I returned my license plate on XX/XX/XXXX ( receipt available ) My mileage was well below the contractual limit After vehicle surrender, the car was not inspected at the dealership XXXX was XXXX to account for the vehicle for approximately two months XXXX conducted an inspection on XX/XX/XXXX Only after this delay did XXXX assess {$680.00} in alleged excess wear charges and a {$350.00} disposition fee Improper Inspection and Billing : The inspection occurred more than 60 days after I surrendered possession of the vehicle. Any wear or damage identified after this period can not reasonably or legally be attributed to me, as the vehicle was no longer in my custody or control.…

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I am filing a complaint regarding deceptive and coercive conduct related to an auto purchase and financing. I purchased a vehicle from XXXX XXXX XXXX of XXXX on XX/XX/year> and took delivery under a signed retail installment sales contract. After delivery, I disputed the inclusion of optional add-on products ( a service contract for {$1700.00} and maintenance plan for {$1000.00} ) that I did not intend to purchase and requested cancellation. I was also disputing a military rebate discrepancy of {$500.00} ( only applied {$500.00} of the advertised {$1000.00} ). I coordinated with the dealership in writing to return a dealer plate and receive temporary registration only on XX/XX/year>. On the scheduled visit, while I was inside the dealership and away from my vehicle, the dealership removed the dealer plate without informing me or issuing temporary registration.…

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ACCOUNT # XXXX I am filing this complaint against XXXX XXXX XXXX ( XXXX ) for willful violations of the Fair Credit Reporting Act ( FCRA ). XXXX was served with a written Notice of Demand for Full Accounting and dispute of accuracy regarding an account they are furnishing on my consumer credit reports. The notice explicitly requested supporting documentation to substantiate the accuracy, balance, and reporting of the account. XXXX failed to provide any supporting documentation and instead supplied only a payment history, which does not verify ownership, accuracy, or authority to furnish the account. Despite this failure, XXXX has continued to furnish the account to consumer reporting agencies, including information that is inaccurate and unverifiable. Once a furnisher is notified of a dispute and can not substantiate accuracy, continued reporting constitutes violations of : 15 U.S.C.…

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On XX/XX/XXXX, I entered a binding out-the-door ( OTD ) agreement for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX total, including all taxes/fees. ( See attached for informal agreement with XXXX XXXX XXXX XXXX ). At signing, paperwork showed a {$450.00} base monthly payment and future monthly payments ; When i noticed I brought it up since we agreed on $ XXXX OTD and not $ XXXX .The finance manager XXXX XXXX, explained this as {$450.00} plus tax, which in my mind, it made sense why it showed for a lower amount. Even though it didn't make sense why the original paperwork showed a different amount. As I worked as a finance manager for 8 years for XXXX XXXX, and what you sign is what you pay on the monthly payment agreement, it was odd to me. I paid the initial {$460.00} accordingly. You accepted my trade-in vehicle ( [ XXXX XXXX XXXX ] ) in exchange.…

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On XX/XX/year>, the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ( XXXX ) submitted an official lienholder information request to XXXX for my vehicle so I could transfer my registration from Virginia to Florida. The DMV faxed the request directly to the correct XXXX Title Department fax number. I have a transmission confirmation showing the request was delivered successfully. After the fax was sent, I contacted XXXX several times. Each time I was told that it takes a while to process and that the request was still under review. Today, nearly one month later, XXXX informed me that they have no record of the request at all and instructed me to start the process over. This contradicts the documented fax confirmation and demonstrates that XXXX either lost, ignored, or failed to process a legally required state request. XXXX failure to process a properly delivered lienholder information request is causing direct harm and hardship.…

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Company : XXXX XXXX XXXX Issue : Incorrect Payment Posting / Threat of Repossession Complaint : I am disputing the accuracy of my XXXX XXXX XXXX account. Despite making the following payments, my account shows incorrect balances and I am facing threats of vehicle repossession : {$560.00} paid on XX/XX/2025 {$520.00} paid on XX/XX/2025 These payments were processed through my XXXX XXXX XXXX XXXX account, and I have trace IDs to verify both transactions. Despite this, my account has been reported as past due. I have noticed the past-due balance fluctuating from {$2400.00} to {$1700.00} without explanation. This indicates payments are either not being correctly applied or there are internal accounting errors on XXXX side. I have contacted XXXX XXXX XXXX to resolve this issue and requested that my payments be properly applied, but the account remains incorrect, and I continue to receive repossession threats. Requested Resolution : 1.…

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My name is XXXX XXXX, and I am filing this complaint because I am a victim of identity theft involving XXXX XXXX XXXX. Despite multiple police reports, FTC identity theft reports, and successful deletions from the credit bureaus, XXXX continues to reinsert a fraudulent auto loan account on my credit report. This is damaging my credit reputation and preventing me from obtaining business credit for my company. I am the owner of a successful business. One of my former employees stole my personal information. This individual conspired with an employee at a XXXX dealership and, without my knowledge or consent, they fraudulently obtained a new vehicle under my name. When I discovered the fraud, I immediately took all required legal steps : I filed a police report documenting that my identity was stolen. I filed an FTC Identity Theft Report. I notified all three credit bureaus and provided them with copies of my police report and FTC affidavit.…

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XXXX XXXX XXXX XXXX XXXX XXXX is incorrectly charging me {$1000.00} and reporting a false delinquency to the credit bureaus after THEY failed to pick up the vehicle from the dealership, XXXX of XXXX, NC, for over 2 months. I returned the vehicle on XX/XX/year>, and I surrendered the license plate on XX/XX/year>. The dealership confirmed the return was completed properly. I have proof of the exact dates. Despite their failure to pick up the car, XXXX reported late payments and sent me a bill for {$1000.00}. Because of their error, my credit score dropped from the XXXX to the XXXX. This is a wrongful charge and false credit reporting. Attachments provided : 1. Vehicle return documentation 2. Plate surrender receipt 3. Timeline and communication records 4. Credit score report showing impact Thank you.

The auto loan was being paid for by my wife and it had fallen behind. We were notified that the car could be repossessed. I took over making the payments and got it caught up, on time, and current. I then paid off the auto. I kept the car until I sold it this year. I contacted the original owner of the loan to see if I could get the status of repossessed, changed so that it isn't impacting my credit score and report negatively. I only know about this because I tried to buy something and my APR went from 9 % to 14.5 % because of this particular item.

I am filing a complaint against Southeast Toyota Finance for mishandling my auto loan, including misapplying payments, issuing a premature charge-off, and reporting inaccurate information to credit bureaus. The timeline and actions are as follows : XX/XX/XXXX : Received a letter claiming a due date of XX/XX/XXXX, a total amount due of {$1200.00}, and that I had ignored previous communications. This was false, as my XX/XX/XXXX statement shows payments had been made, including a last payment received XX/XX/XXXX, and a total amount due of {$2100.00} by XX/XX/XXXX. XX/XX/XXXX : Sent a {$900.00} payment through an assisting organization. The payment was applied, but the company ignored communication, issued a Notice of Intent to Repossess the same day, demanded the full accelerated balance, and posted a charge-off XXXX XXXX later. XX/XX/XXXX : Mailed a certified letter including a {$2000.00} payment and a request to continue normal payments.…

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XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX XX/XX/year> XXXX XXXX XXXX To whom it may concern : I am writing to formally document the situation regarding the vehicle financed under my name, with the following information : Account Number : XXXX Vehicle VIN : XXXX For approximately XXXX months, I repeatedly contacted XXXX XXXX XXXX to request that the vehicle be picked up, as I would be returning to my home country and could no longer continue making the required payments. From the beginning, I clearly expressed my intention to complete a voluntary surrender, expecting proper instructions from your team. However, I never received any response, follow-up, or communication of any kind. The vehicle remained parked in the location I indicated for those XXXX months, waiting to be retrieved. I recently learned that a company picked it up, but when I contacted your office again to confirm whether you had ordered the pickup, I was informed that you had not.…

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