Consumer complaint received 2025-06-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: World Omni Financial Corp.
State: AL

Complaint narrative:
Dear CFPB : XXXX broke federal law in repossessing my vehicle in XX/XX/XXXX. First of all, XXXX failed to obtain my permission to disclose my personal information to a third-party recovery company named XXXX XXXX XXXX. The Fair Credit Reporting Act requires this disclosure. From XX/XX/XXXX until now, I have not received any document or provided voluntary waiver or permission. I contend that " no '', I don't give this permission. Further, XXXX inflated terms in an earlier repossession and failed to fully disclose the terms of that " extra '' loan or second loan payments that were added to the end of the loan. XXXX failed to provide new loan documents, disclosures as required by the Truth in lending Act. 

XXXX lied in it's egregious repossession of my vehicle and payment accounting. For examples received XXXX lump sum payments {$3000.00} & & XXXX in XXXX which accounted for payments not started back past XXXX of XXXX. XXXX discriminated against me in their desperate treatment attempt and aim to receive the full balance by usurping all loan agreements and forcefully demanding a full payoff. XXXX discriminated in its lending practices by unfairly not affording me payment options than other non-disabled customers and other non-minority customers. XXXX treated the large payments as pay off instead of advance monthly installments which would have kept the account current. This option was withheld from me as a minority. Secondly, XXXX failed to notify me too determine if I wanted early payoff or advance payments. This scheme allowed XXXX to collect extra fees. 

Furthermost XXXX failed to get my permission to subrogate my account. I have not given them permission for this as well. 

Finally, the error in reporting. XXXX still received monthly payments after receiving the lump sum payments. XX/XX/XXXX statement shows XXXX left on the account however XXXX capitalized and still wanted monthly payments from their computerized system that coded me late although the received advance payments. XXXX was supposed to remove the interest payments and adjust the account. They failed to do so and capitalized on these large " pay off '' lump sums. 

XX/XX/XXXX XXXX representatives told the following lies on phone calls. XXXX representative said that I was XXXX days late and another said XXXX days late and another 145 days late. I made payments that were less than the monthly payment but accepted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failed to use multiple means of communication to let me know that they were considering a repossession and give me opportunity to have my account refinance and access my credit worthiness to avoid a default in my car loan. XXXX sent me payment reminders, and this is no different in finding out they were considering a default on my loan. XXXX locked mee out of their secured system and I was unable to log in. If they can send a reminder, they can send me a message that I can retrieve. 

. I believe that XXXX allowed XXXX members connected with XXXX and their affiliates to use my information without my consent. They shouldn't have it and I will not ever ever give it to none of those weird XXXX folks, ever!!!! Circumstantially, those weird folks received information from me from their contacts in XXXX about my personal information and the lawsuit and my rejection of their XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whom I rejected, not on my level and they need to be on meds! I was being stalked, blackballed an harassed and I have information and belief this is another avenue of discrimination.

Company response to consumer: Closed with explanation