Consumer complaint received 2026-04-28 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:
I am submitting this complaint against World Omni Financial Corp., doing business as XXXX XXXX XXXX ( XXXX ), regarding unresolved contradictions in its handling of a XXXX XXXX XXXX account ending in XXXX, including bankruptcy treatment, repossession activity, payment handling, and credit reporting. XXXX XXXX XXXX XXXXXX/XX/XXXX CFPB response states that it obtained relief from the automatic stay on XXXX XXXX, XXXX, and that after that order I turned the vehicle in to a dealership, which paid the account in full. XXXX also states that its investigation found no evidence of improper repossession communication or conduct during my bankruptcy case and that the account is accurately reported as paid in full and closed as of XX/XX/XXXX. That response does not reconcile the actual record. I filed XXXX XXXX XXXX in the Middle District of Tennessee on XXXX XXXX, XXXX, case No. XXXX. The XXXX XXXX XXXX was listed in the bankruptcy schedules as a secured debt associated with XXXX XXXX XXXX. My wife, XXXX XXXX, did not file bankruptcy. She remained on the vehicle loan and continued making payments. A payment to XXXX XXXX XXXX posted on XXXX XXXX, XXXX, after the date XXXX claims it obtained relief from stay. That payment is important because it shows the account was still being paid by the non-filing co-borrower. XXXX has not explained why repossession activity was initiated or pursued on an account that was still being paid. On XXXX XXXX, XXXX, I contemporaneously notified my bankruptcy attorney that a repo company had contacted me regarding the XXXX and told me to contact the lienholder. I told my attorney that XXXX was still on the vehicle and that payments had been made. I also provided the repo contact phone number, ( XXXX ) XXXX. My attorney responded the same day that he had placed a call to XXXX attorney and asked whether I had bank statements to evidence payments. This shows that the repossession issue was active, contemporaneous, and tied directly to payment evidence. XXXX CFPB response states that no improper repossession communication or conduct occurred. That statement is not reconciled with the contemporaneous XX/XX/XXXX attorney emails, the repo-company contact, the repo phone number, or the XXXX XXXX payment evidence. XXXX response also fails to reconcile its conflicting account positions. At different points, the same account has been treated as surrendered or discharged in bankruptcy, subject to repossession activity, and later paid in full by dealer payoff. These positions can not all be true without a complete transaction-level chronology explaining how each status occurred, when it occurred, who entered it, and what data was furnished to the consumer reporting agencies. My bankruptcy counsel later confirmed by email that the petition reflected a surrender of the vehicle and that the debt would be discharged. XXXX now says the dealer paid the account in full and that the account should be reported as paid and closed. XXXX has not explained how the same account could be treated as surrendered/discharged and paid in full without producing a complete account history and credit-furnishing timeline. XXXX also admits in its XX/XX/XXXX CFPB response that it initially reported a bankruptcy indicator and later submitted a manual update on XX/XX/XXXX, to remove that bankruptcy indicator. XXXX characterizes this as an effort to amicably resolve the matter. That explanation is inadequate. If the bankruptcy indicator was accurate, XXXX should explain why it was removed. If it was inaccurate or misleading in light of the later paid-in-full status, XXXX should correct all downstream credit reporting and explain how the error occurred. This matter is not resolved. XXXX has not provided the documents needed to verify its position, including : 1. The XXXX XXXX, XXXX motion for relief from stay, certificate of service, docket entry and signed court order. 2. The complete payment history from filing through payoff. 3. Proof of how the XXXX XXXX, XXXX payment was applied. 4. All repossession assignment records, vendor notes, call logs and cancellation records. 5. The identity of the repo vendor associated with the phone number ( XXXX ) XXXX. 6. The complete dealer payoff record, including date received, amount received, payoff quote and account-satisfaction coding. 7. The full credit-furnishing history sent to XXXX, XXXX and XXXX. 8. An explanation of why a non-filing co-borrower who continued making payments was affected by repo activity and adverse reporting. 9. An explanation of how XXXX reconciles surrendered/discharged, repo activity, and paid in full on the same account. XXXX response substitutes conclusions for documentation. It says the account was handled properly, but it does not provide a unified chronology capable of proving that the account was serviced, collected and reported accurately. I am requesting that XXXX provide a complete account-level chronology, correct or delete any inaccurate or materially misleading credit reporting for both myself and XXXX XXXX , identify all repo activity and third-party vendor involvement, explain the legal and factual basis for its conduct, and provide appropriate monetary remediation for the harm caused by inaccurate reporting, improper collection activity, credit damage, emotional distress and the time spent attempting to correct these records. XXXX accusation that my communications were harassing is unsupported and attempts to reverse the facts. The actual harassment was XXXX and/or its agents sending repossession activity toward my wife and me after XXXX attorney was already on notice that payments were being made and that the account status was disputed. The repo-company contact was recorded and is not speculation. I was not harassing XXXX by demanding correction of an account, bankruptcy and credit-reporting record that XXXX has failed to reconcile. I was attempting to stop and correct contradictory treatment of the same account. If XXXX position is that the account was properly paid in full, then XXXX must explain why the official bankruptcy record reflects surrender/discharge treatment. If XXXX position is that the court record is wrong, then XXXX is effectively disputing the court record. If the court record is accurate, then XXXX later credit-reporting and complaint-response positions are incomplete or misleading. This matter is not fixed until the official record is reconciled. XXXX should not be allowed to blame credit bureaus, prior counsel, repo vendors or me for its own failure to maintain and correct a consistent account history. XXXX should retain counsel capable of resolving the record instead of using accusations of harassment to avoid the underlying issue. I request that XXXX identify the specific action it will take to reopen, correct or otherwise reconcile the official bankruptcy record, the dealer payoff record, the repossession record and the credit-furnishing record. Until those records match, the account remains unresolved.

Company response to consumer: Closed with explanation