Consumer complaint received 06/28/2017 about Debt collection (Auto debt) with World Omni Financial Corp. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: 1. This complaint is to dispute a concern that is probably on my credit or will be on my credit soon. I got approved for a vehicle with Southeast Toyota finance XX/XX/XXXX. I had an accident XX/XX/XXXX at XXXX XXXX. I called southeast Toyota financing within the same week of the accident. They mailed that same week of the accident. They mailed me a letter XX/XX/XXXXon that first line of the letter. It stated " they have received my notice that the collateral for this account is total loss due to theft or destruction. '' I read that letter in dep doing every step they asked me to do. I had already notified my insurance carrier the day after the accident. My insurance provider is XXXX. They mailed me a letter XX/XX/XXXX from the clams department. On my providers letter, it stated in the first paragraph. " I 'm handing your collision for the accident on XX/XX/XXXX. '' I called and got in touch with my clam adjusters over the phone to answer all these questions ; on there " Recorded line I 'm not sure of that exact date. But to my knowledge that call was recorded. I know because it prompts me and asked me is it ok if we continue through this recorded line. I stayed " yes ''. Answering all these questions. Not to long after that I involved my Gap Insurance that was purchased but the same date I purchased my vehicle XX/XX/XXXX. Spoke with their agents answering their questions. I ca n't recall if their line is a recorded line as well to prove it. But I did receive a GAP Settlement Explanation XX/XX/XXXX. 2. The problem that I 'm having is Southeast Toyota billing me for " {$3800.00} '' because when I called them & they called me going back and forth about the asking balances. No one could say " in detail the gap did n't cover it ''. Besides it was 51 days delinquent, but I told South east Toyota that I was n't behind on my payments there automatically taken out of my primary XXXX XXXX XXXX account on "? ". The remaining balance is the problem because I do n't know why there billing me primarily when I thought & I was told ; getting gap when you purchase a vehicle no matter what happens what fault it is GAP will cover the difference my primary insurance wont. This is why I got gap for just in case ; & I feel just in case has happened. 3. This complaint is to dispute a concern that is probably on my credit or will be on my credit soon. I got approved for a vehicle with Southeast Toyota finance XX/XX/XXXX. I had an accident XX/XX/XXXX at XXXX XXXX. I called southeast Toyota financing within the same week of the accident. They mailed that same week of the accident. They mailed me a letter XX/XX/XXXX on that first line of the letter. It stated " they have received my notice that the collateral for this account is total loss due to theft or destruction. '' I read that letter in dep doing every step they asked me to do. I had already notified my insurance carrier the day after the accident. My insurance provider is XXXX. They mailed me a letter XX/XX/XXXX from the clams department. On my providers letter, it stated in the first paragraph. " I 'm handing your collision for the accident on XX/XX/XXXX. '' I called and got in touch with my clam adjusters over the phone to answer all these questions ; on there " Recorded line I 'm not sure of that exact date. But to my knowledge that call was recorded. I know because it prompts me and asked me is it ok if we continue through this recorded line. I stayed " yes ''. Answering all these questions. Not to long after that I involved my Gap Insurance that was purchased but the same date I purchased my vehicle XX/XX/XXXX. Spoke with their agents answering their questions. I ca n't recall if their line is a recorded line as well to prove it. But I did receive a GAP Settlement Explanation XX/XX/XXXX. 4. I need your help ; because it could be all three that the complaint is about. Because I 'm not lawyer. I tried getting a layer, getting advice, I thought I tried everything but I did n't try your company ; in getting assistance with finding assistance with who balance is it to actually pay. because once again " I have " TWO '' Insurance full coverage '' on one car so why am I paying each & all three-companys total for one car ; on time, every month the auto takes what they need from my primary same account from XXXX XXXX XXXX. I ca n't seem to get none of these companies to pay a " {$3800.00} '' balance. 5. The company 's involved are - " Southeast Toyota finance '' -US Gap GAP Addendum -XXXX  XXXX ; I still pay every month -XXXX XXXX, Inc -maybe the actual car lot maybe involved where I purchased the vehicle -maybe the GA Department of Public Safety -XXXX XXXX XXXX

Company response to consumer: Closed with explanation