Consumer complaint received 2022-01-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Omni Financial Corp. (FL)

Complaint:
I recently filed a complaint related to this ; I should state that this is a follow-up complaint to the complaint # : XXXX The company contacted me and verbally stated that they would be willing to close out the case for ( something around ) {$360.00} and that they would make it so that it didn't show on my credit report, as I suggested as a reasonable solution in my previous complaint. I asked them to send this to me in writing along with the proof of why I owe this money and they agreed. 

The letter I received in the mail from them said they would be willing to close the account for approximately the amount stated above ( {$360.00} ). I don't have that letter with me at the moment, which is why I am estimating. They did not provide any evidence of the amount owed or agree to remove this remark from my credit report as they initially told me. 

So I called in to request that they make the correction and send me the letter with the wording and documentation as previously agreed upon. The representative that spoke with me told me that as a company they do not remove anything from the report so they don't know why the previous representative told me they would. She asked if I would like to pay the amount and close the case, to which I declined until the conditions were met. I told her I would write to the Consumer Financial Credit Bureau again regarding the matter and she suggested an alternative. This was to allow them to perform a case review which would take " up to 5 business days '', and asked me to call back then to see if they could do anything else.

I agreed and called back 5 business days later, just before writing this, and told me that there was nothing noted and to try again tomorrow. 

At this point I have spent more time trying to get to the bottom of this and resolve the amount they claim they I owe them than is worth that hypothetical dollar amount. I say hypothetical because they haven't once provided me any proof that I owe them anything. It was just a number that they presented without any proof. Let me repeat this, there has been no evidence of the amount they say I owe them presented to me, and not only are they insisting that I owe them, but it is showing up as a delinquency in my credit report. 

Since I hadn't previously been too aware of the effects of my credit, I didn't realize how much it had effected me. When I bought my last car, the rep told me that if that hadn't been on my report the interest on that loan might've been close to half of what it was. Meaning this could've cost me hundreds, if not thousands of dollars over the past 3 or so years. 

Upon further inquisition on credit reporting, I was also told that paying the debt just to be done with it ( even if I didn't owe the money ), could change the status and cause it to remain in my credit report for 7 years from the date of the change of status. I don't think it is a fair outcome given the circumstances I have delineated in this and the previous complaint.

Company response to consumer: Closed with explanation