Consumer complaint received 2025-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: World Omni Financial Corp.
State: AL

Complaint narrative:
Dear CFPB : XXXX had me sign a blank contract without the seller information on it and an additional contract that is referenced in Exhibit I. This made it difficult to know the exact terms of the loan and how many persons, government municipalities entities were tied to the provision of the loan through other means. XXXX employee admitted this in his letter. I never received nor signed any additional corrected contract, and this is deceptive practices by XXXX. The disclosures and additional contract were never sent, and I believe an illegitimate and fake spouse may have been attached to the loan without my consent. 

This fake person associated with XXXX XXXX have told XXXX to repossess my vehicle for nefarious reasons while in litigation. I personally called XXXX, and the representative asked me which account, and I only have onXXXX account supposedly. Obviously, there were other accounts. This is another harassment by XXXX folks to cause me financial distress and create their " fake '' profile to embarrass me. 

II. During XXXX XXXX, XXXX received a {$950.00} money order covering July through XX/XX/XXXX and treated such payments like a one-time payment versus single payments to avoid me paying late fees. I sent them correspondence of this, and they didn't inquire to offset my loan from going into late pay status so XXXX could capitalize on the additional revenue from interest and late fee add Ons with this method and not providing adequate information when they received a large payment. Exhibit 2 III. During XX/XX/XXXX through XX/XX/XXXX, XXXX failed to even notify me of any transfer, failed to provide the disclosure in XX/XX/XXXX as outlined in the original contract. XXXX continued to send email payment reminders but failed to send any disclosures or documents of a pending sale as outlined in the contract. I still don't have this disclosure, and they only sold it to the first bidder to collect their own interest. Exhibit 3 IV. XXXX failed to disclose that they had a tracker installed on my vehicle and this is on the contract " deceptively '' as maybe or maybe not while XXXX knew that they had a tracker on my vehicle and hid this fact. Exhibit 4 The payments received on time still have late payments and interest added although they were on time and there's a reversal. I should not be charged all these late fees when they received the payments, and they were supposed to be spread out. XXXX failed to do this or even contact me to see if this was my decision. XXXX used it to capitalize on their fee-based system to ern more company revenue by deceptively charging these fees. Exhibit 5 ( 63 jpeg ) I asked for an extension XX/XX/XXXX to ensure the loan was in current status and they failed to do the request or even consider it. I have been wronged by SETF and discriminated against in this entire car loan. 
Exhibit 6 ( 265 jpeg ) Argument If you take each the large payment and divide by the monthly payments, the loan would be in current status notwithstanding the so-called extension. A new extension of credit requires the Truth in lending disclosures, and I didn't get it or a separate contract with a balloon loan. this would have changed the loan amount, PR and total owed. 
Moreover, the account was not over 60 days late at the time of the subrogation on XX/XX/XXXX. Again, I didn't receive any disclosure or give permission. I jae been left out of the matrix of this account that impacts my vehicle and credit. No person or entity has the right to access, make any changes or anything concerning my mf business!!! Sorry about that!

Company response to consumer: Closed with explanation