Consumer complaint received 2018-10-02
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I, XXXX XXXX, an XXXX voter, I am going to this office to make a complaint to the XXXX XXXX. 

In XXXX, I made a XXXX year contract for a XXXX XXXX XXXX. Between XXXX and XXXX my husband XXXX XXXX took the car to do the service to the car in the same XXXX XXXX. Days later my husband realizes that they changed the carpet of the driver because he took it out to clean it and to our surprise they were broken. My husband went to the XXXX to claim, and they changed it but the car also felt with a small fault and in the XXXX they said that it was the cold weather that put the cars like that. 

In XX/XX/XXXX my husband I opened the hood of the car, and we realized that the battery had been changed by a used but with much use that was seen even with the eyes closed that was in very bad condition. My husband XXXX XXXX and I went to the XXXX XXXX, and we talked to XXXX of the owners of the franchise and authorized him to change it. We spoke with XXXX of the owners so that he himself knew what was happening. 

The XXXX of the car dealers named XXXX XXXX when we were no longer my husband and I called and offered to change the car to a XXXX XXXX XXXX with a new contract of XXXX years. We asked him that it was still almost a year before he finished the contract that it was like that. The XXXX XXXX XXXX offered us that the XXXX was going to pay the rest of the contract but we did not accept the anger we had for everything they had done. 

In the month of XX/XX/XXXX, I had to take the service to the car and a salesman who realized the problem we had had returned to offer to change the car and I decided with my husband to listen to the offer. The seller with the name XXXX made us the same offer that the XXXX XXXX would pay the remaining payments. I asked him what else had to be paid and the seller 's response was that the financier did not let anyone know. 

When the XXXX XXXX financier called us to finish the contract, he explained everything to me and my husband XXXX XXXX. My husband asked for the excess miles and the financier said there was no problem because the XXXX XXXX would pay for everything and also offered us for {$50.00} plus every month an insurance that covered what was not covered by the XXXX XXXX or the XXXX guarantees everything except wear as tires, battery, lights and extra miles as that insurance covered top that. Several times we asked him if he covered the odd ones, and he said yes. I agree to change the car to a XXXX XXXX XXXX under the condition of paying {$50.00} plus all months other than the {$270.00} contract payment. 





I signed several documents but the financier gave me XXXX copies and the other information he gave me in a XXXX XXXX with the name of XXXX. After XXXX days I checked the XXXX XXXX and it was empty and I immediately went to the XXXX XXXX   with my husband XXXX XXXX, and they told us that the financier XXXX XXXX had voted him a fraudster and that he would call me another financier in the next few days. 


I spend almost a month without anyone calling and I went to XXXX XXXX, and they told me to talk to another financier named XXXX XXXX and explained that the financier XXXX XXXX had fooled me that the extra {$50.00} insurance does not cover extra miles. I told the financier to cancel the contract and give me my XXXX XXXX car of XXXX and I returned the one that took the year XXXX. The financier told me that it could not because the car had already taken it to the auction that only What I could do was eliminate the extra {$50.00} insurance. I had to take it because I did not have another option, they put me between my back and the wall. 

After XXXX months it was that I received from the XXXX XXXX XXXX a statement that I have to pay {$3500.00} for excess miles. I called them on the phone and told them I did not agree with what they had scammed me. 

In conclusion in XX/XX/XXXX I made a contract for a XXXX XXXX car from XXXX at the XXXX XXXX XXXX years later with lies offer me to pay the missing months and the extra mile payment to change the car for a XXXX XXXX. It turns out that the financier votes him for the fraudster and now I have to pay {$3500.00} for an extra mile. I asked that the car be returned to me in XXXX and cancel the contract and in XX/XX/XXXX I had XXXX options. The first I could pay the difference of the debt of the car and stay with it. The second fund the remaining debt and stay with the car paying every month a paid at the end of the car is mine. The last and the worst for me but for them the best to deliver the car and I pay {$3500.00} of extra miles under a fraud they did to me. 

Now I pay $ 270 monthly for the car in XXXX and the financier wants me to pay the {$3500.00}. I want my XXXX XXXX XXXX car back or that XXXX be responsible for the payment of {$3500.00}. 

In the last document dated XX/XX/XXXX the XXXX XXXX and XXXX XXXX Department has not yet registered the car as delivered. 

Index of documents XXXX XXXX, XXXX document XXXX XXXX

Company response to consumer: Closed with explanation