Consumer complaint received 2023-03-22
Company: World Omni Financial Corp.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
My brother and I moved from XXXX XXXX XXXX XXXX in XX/XX/XXXX. I had XXXX financed cars at the time and I gave him one of them to use for XXXX work. In XX/XX/XXXX he decides to return to XXXX XXXX and I authorize him to take the car. At that time I got XXXX through XXXX XXXX and it was impossible for me to travel to XXXX XXXX to update the car registration so that my brother could continue working at XXXX. So I contacted a saleswoman from Toyota XXXX XXXX XXXX ( XXXX or XXXX XXXX XXXX ( XXXX ) XXXX ) to see if she could help me exchange the car that my brother had in my name for a new one that came out in the name of the two and so he could do the registration paperwork. After several days, she contacted my brother to see him at the XXXX TOYOTA dealership located at XXXX XXXX XXXX XXXX. 
XXXX XXXX on XX/XX/XXXX where they began the process of exchanging my XXXX Toyota XXXX and taking the XXXX Toyota XXXX in my brother 's and mine 's name. I sent my brother the photos of all the required documents like my SS, my XXXX license. They made the contract for the document, my brother never saw the terms of the contract, neither did I, and I never received a copy of the contract either via XXXX or via email to sign it, that is, I never signed it. My brother told me that he only signed his part in front of the financier and that he doesn't know who signed for me. The financier that I never knew the name, called me via XXXX to corroborate information with me from this number ( XXXX ) XXXX and later I called him by regular call. Thanks to that, his number was registered in the call record that I have as proof. It should be noted that I agreed with the business but I never signed any contract, neither in person ( I was in XXXX at that time ), nor electronically. I never read or had access to the contract, until recently. I trusted and that was my mistake, I was in a lot of discomfort from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ignored that until I received the first notification from the credit bureau that my brother had late payments. He got sick with XXXX and fell into a XXXX  XXXX that led him to use very XXXX XXXX, he currently lives on XXXX XXXX. It was there that I contacted the SEToyota Finance bank and asked for the account number and thus I accessed the online contract. I contacted a financial adviser to save my credit and after explaining how everything had happened, he told me that the contract was invalid and illegal because I had not signed. I ask you to please open an investigation and check through the camera of that day, who or who carried out such negligence. I have some screenshots of the conversation I had with my brother that day asking him about the process and sending him my documents. I also have my account statement from my bank that verifies that I used my debit card at XXXX in XXXX and that I sent him {$1400.00} via XXXX XXXX to pay the down payment for the new car. In addition to having witnesses who saw me on XX/XX/XXXX in XXXX. I also have proof that the supposed signature they used is not the one he used since XX/XX/XXXX, when I changed my name through the naturalization process. Another fact is that in the financing process, they put that I worked at XXXX XXXX XXXX when since XX/XX/XXXX I have not worked there because I moved to XXXX. 

In addition, the contract was excessively abusive. Since it had guarantees that a new car does not need. I have communicated with the dealer as well as with the SETOYOTA bank to open an investigation for bad procedure and they answer me that the account is legitimate. I have spent more than a year trying to explain the above mentioned that I never signed the contract and I have sent them the evidence that supports me. That's why I think it's unfair that they ignored my situation.

Company response to consumer: Closed with explanation