Consumer complaint received 2025-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
Recently I requested a car loan deferment for XXXX months on XX/XX/XXXX from my car loan company XXXX XXXX XXXX. I was told I had to pay my current car payment BEFORE requesting a deferment. My car payment of XXXX was due XX/XX/XXXX. I paid the total amount on XX/XX/XXXX. That is still within my grace period so no late payment concurred. When I look on my statements online, it says my payment was received on XX/XX/XXXX with a principle of XXXX. However, when I click on this statement, it says the payment was recieved on XX/XX/XXXX with a principal of XXXX. Those XXXX statements are contradictory. Also, I called last month bc it was showing I had a payment due XX/XX/XXXX which is incorrect as I had just asked for a XXXX month deferment. They assured me in this recorded call that the due date was actually XX/XX/XXXX and that the site needed time to update. We asked for an email confirmation and was told they couldnt do that and we should check our online statement instead. We told the the representative that it is still showing XX/XX/XXXX as the next due date. She again told us it was wrong and on her end it was due XX/XX/XXXX. Fast forward to today where it still says we are due XX/XX/XXXX. I called and was told something completely different by a lady named XXXX. First I was told its due XX/XX/XXXX and that I had a late payment ( even though the rep admitted there was no such late payment as I was within my grace period ) and that late payment had to be paid before I was able to defer the loan. She said I must have deferred the payment before the car payment was due and that was the reason for the mishap. I check my statements and see where my car payment was due BEFORE I requested the deferment. Thats why I was told to pay that first. Then she comes back and says well what happened is we took the payment you paid in XXXX and moved it to the end of your loan along with the XXXX payment and thats your XXXX months. I said if that were the case why did yall take my XXXX payment in full ( NO LATE FEE ) if you were counting that as part of the XXXX months? Then she tried to say late fees. Again, there are no late fees bc I wasnt late. She couldnt explain any of this to make sense to me. I want the recorded calls pulled bc if this was their mistake, they need to be responsible and fix it. She couldnt explain any of it and could not get in touch with anyone to help me today and said they should call within XXXX hrs. Please review and look into this complaint. Something that seems so trivial to someone else is a big deal for others. Now Im scrambling trying to figure out how to pay a car payment I was told wasnt due until nearly a month from now. Even worse, had I listened to what I was told, my car wouldve have been repossessed from my failure to pay. I understand people make mistakes but this is big. The fact that Ive called several times and been told different things completely breaks my trust with them.

Company response to consumer: Closed with explanation