Consumer complaint received 2023-02-03
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XXXX XXXX XXXX XXXX  I went to the dealership XXXX XXXX XXXX XXXX ( my mother accompanied me ) with the intent of looking at vehicles and possibly leaving with one seeing as how I had my learners license and was looking forward to gaining experience with driving and owning my own vehicle. I spent a while there looking at different vehicles and eventually found a XXXX XXXX XXXX that I was very pleased with. That day I signed all necessary paperwork, placed a {$2000.00} down payment on that car and issued insurance for it as well. I continued to make monthly payments of {$280.00} for the vehicle and insurance payments of {$290.00}. I made the payments up until the month of XXXX in the same year. This was the very same year the XXXX broke out in which I was heavily impacted. I actually lost employment due to the company I was working with letting me go since they reduced hours ( I was rather new and only had been working there for a few months which resulted in me getting fired ). Any payments I was able to make on the vehicle and its insurance were partial ( {$280.00} on the car and {$150.00} on the insurance ). XXXX was incredibly difficult for myself and my family especially since I could not get a job for a period of time due to quarantine instated. Because of this, and my priority to pay other bills such as rent and utilities, I got behind on my car payments. I did get the vehicle repossessed in the months that followed and continued to struggle during the XXXX years. 
During XXXX XXXX XXXX  I made an appointment to the XXXX in order to complete my drivers exam to finally get my drivers license. To my surprise I was notified by an associate that my permit was suspended due to the XXXX XXXX XXXX account still showing on my credit. This was beyond upsetting to hear since I was told to provide the notice of my vehicles repossession ( which I didn't ever receive-either phone, mail or email ) or pay the fee of {$150.00} to move on through. Since then I have tried to contact the company in order to retrieve this document and have had enormous difficulty in obtaining it. After dozens of calls made over a span of days ( I kept getting transferred to departments that could not help me or collections ) I was able to get in contact with an individual from Southeast Toyota Finance who set up the repossession document to be faxed over to me. I gave my fax number and was told that it was come in 24 to 48 hours. I waited of the document to come through and it never did ( which was frustrating since I had to contact the same company Southeast Toyota Finance ( SeTF ) again and ended up making dozens of more calls to the same place ). 
Because of this I still can not complete my drivers exam and still have the vehicle on my credit which was, in fact, repossessed and not in my possession at all. The car was stolen from me and was not repossessed pursuant to law. This company has defamed my character by allowing furnishing of this repossession on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation