Consumer complaint received 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I have been trying for a year to get all 5 warranties cancelled, the extra money they have overcharged each month refunded back to me, the payment reduced back to the original amount before the extra amount for the warranties was applied. After requesting for a year, I finally got proof 3 of the warranties were cancelled, 1 they're not sure of and 1 that supposedly couldn't be cancelled. I purchased a car on 1XXXX XXXXrom XXXX XXXX with 5 warranties added. I requested the warranties be cxl 'd on XXXX. I have been charged for the warranties for every pmt made since the 1st pmt due in XXXX XXXX. I requested from XX/XX/scrub>XXXX for the pmts for warranties be cxl 'd and the extra fees being charged be refunded back to me and the pmt amt adjusted back to original amt due before warranties were added. However, they have continued to charge me for the warranties and say they are taking the extra amts off of the total loan. They claim that that they can not change the loan pmts amounts back to the original loan amt before the warranties were added. They claim they are not allowed to change the payment amount that they have to continue to charge me the extra amount even though I have made numerous requests to stop overcharging me, to refund all the monies they have overcharged me, and to reduce the monthly pmt back to the original amount due before the warranties were first added. I said if I want to pay extra toward the principal, I will do this myself and not be forced to do so each month by the finance company. They also are claiming that they applied a product to my vehicle ( XXXX ) on the day I purchased the car and so can not refund the cost for this warranty, yet they will not send me proof that this was actually applied the evening that I purchased the car. I keep asking for the workorder and they claim that there is no workorder to show me, that I just need to take their word for it that they applied it. I said they did not have time to apply it the night I bought the car and that is why they can not prove it. They say that they never make a workorder for this so they have no way to prove it. If they did not make a workorder for this, how did the service dept know that this needed to be done? They claim there is no paperwork for this, that it was just done. I have paperwork for everything but this and they refuse to cancel it, yet have no proof it was done. It took me a year to finally get an answer showing the warranties were actually cancelled back in XXXX, yet I still can't get them to stop charging me for them and to cancel the XXXX that was never applied and show the windshield warranty was cancelled also. I just want to stop getting forced to pay extra money every month for cancelled warranties and have all of the monies they overcharged me from day one refunded back to me, for all 5 warranties and finally correct the monthly payment. I have copies of letters, I sent and emails from different people I have been speaking to regarding this problem.

Company response to consumer: Closed with explanation