Consumer complaint received 2025-08-22 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've been trying to get a clear picture as to the initial purchase, especially began efforts a year and a half ago when a credit counselor told me to contact you. 1 ) the first problem is they reported me and charge late fees even though I explained I was between jobs and tried to call them with information. My friend translates for me ( from Spanish ) and said I might qualify under the Vulnerable Persons Act ( Florida ) because I was sold a car and it was at 5 % ( but high in XXXX when houses were selling at 2.5 % ). I was making about {$13.00} per hour at the time. 
2 ) the credit agency i was using to help me said they were confused about a " double accounting '' and my credit was trashed by another " awards '' company with XXXX called XXXX XXXX through the XXXX XXXX XXXX loan. After calling XXXX they thought maybe it was a financed downpayment with another company at a higher rate. The interest changed with a newer balance?? The credit card? was closed with collections and was showing as a secondary hit. 
3 ). After reviewing my initial purchase, I discovered {$7000.00} in extra costs - mostly warranties which I didn't know I had.

XXXX ) also some company called XXXX ( a financial services company for XXXX ) had been charging about {$23.00} a month from XX/XX/XXXX to XX/XX/XXXX for WHAT? looking back it began in XX/XX/XXXX at {$98.00}. I called sunbit and they said it was from XXXX?? We have called the financial services at the dealership in XXXX XXXX XXXX XXXX XXXX XXXX? NO LESS than 5 times and told we had to leave a message. The name is XXXX XXXX. XXXX and they never returned the call. I think they might have called XXXX time but didn't leave a message. 
XXXX ) then we were told we would need to file a complaint with XXXX. ( this is about a year and a half after consulting the credit agency that we have tried to find more information. ) so we called two weeks ago on wed. and they said it was recorded and said sorry, the Finance director will need to call you and it would be within 48 hours.. .no call and it has been 2 weeks. I asked what then??? and basicly I felt like I had just explained the whole scenario again for 45 minutes with no assurance to explain or follow up. ( only recording it so their lawyers would be prepared??? ) I have now paid about {$30000.00} at about {$580.00} per month for the last 4 years. I still owe about $ XXXX was warranties which I didn't know about or how to use. If the down payment was put on another financial company?? I didn't understand this. I would like the rest of my debt to be erased. The value of the car has already been paid. I would like the XXXX at the very least to be removed because that was the responsibility of the providing dealership. from the consultant : The salesmen took advantage of a vulnerable person who was only making {$15.00} an hour and the head of a family. 
PLEASE HELP.

Company response to consumer: Closed with explanation