Consumer complaint received 2026-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: World Omni Financial Corp.
State: TN

Complaint narrative:
XXXX XXXX, I am submitting this complaint against World Omni Financial Corp. ( doing business as XXXX XXXX XXXX XXXX ) regarding contradictory account treatment, improper collection activity during bankruptcy, and inaccurate credit reporting that has caused measurable harm. I filed XXXXXXXX XXXX XXXX My wife did not. She remained on the vehicle loan and continued making payments. Despite this, repossession activity was initiated, and I was personally contacted by a repo company attempting to locate and recover the vehicle. This occurred while I was under bankruptcy protection. The account history reflects multiple incompatible positions. At different times, World Omni / XXXX has treated or described this same account as : ( XXXX ) surrendered and XXXX in bankruptcy, ( XXXX ) subject to repossession activity, ( XXXX ) paid off through a trade with another dealer, and ( XXXX ) accurately reported with no bankruptcy issue and no late issue. These positions can not all be true. World Omni / XXXX accepted what appears to be a full payoff through a dealer trade transaction, which should have satisfied the debt. However, the account was subsequently treated as surrendered and discharged in bankruptcy. Later, in response to complaints, World Omni / XXXX asserted the account was paid off and that no bankruptcy was being reported. That statement directly conflicts with prior reporting and documented account history. As a result of these actions, I have suffered actual damages, including : - Negative credit reporting and scoring impact due to inconsistent and inaccurate account status - A derogatory late mark placed on my wifes credit despite the account being satisfied - Credit denials and adverse lending decisions tied to inaccurate reporting - Loss of favorable financing opportunities and increased cost of credit - Emotional distress and reputational harm caused by conflicting reporting across credit systems - Significant time and effort spent attempting to correct contradictory records - Exposure to repossession activity and direct contact during a period when I was under bankruptcy protection After presenting documented contradictions and requesting clarification, I received a letter from counsel representing World Omni / XXXX accusing me of harassment, claiming the matter was fully investigated and resolved, and threatening legal action and possible law enforcement referral. This response did not reconcile the underlying inconsistencies and instead attempted to suppress further dispute activity. I request that World Omni Financial Corp. provide : 1. A complete account-level chronology including payment history, dealer trade payoff details, repossession orders or activity, bankruptcy coding, and all credit furnishing 2. Identification of each entity and decision point responsible for account treatment 3. The legal and factual basis for simultaneously treating the account as paid off, surrendered/discharged, and subject to repossession 4. Immediate correction or deletion of inaccurate credit reporting for both myself and my wife 5. Explanation of why repossession activity and direct contact occurred during my bankruptcy protection 6. Explanation of why conflicting representations were made to me, to the credit bureaus, and in complaint responses This is not a clerical error. It is a failure to maintain a consistent and accurate account history, resulting in financial harm, reputational damage, and improper collection-related activity. I am seeking full correction, accountability, and appropriate monetary remediation for the damages caused.

Company response to consumer: Closed with explanation