Consumer complaint received 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I am filing a complaint against Southeast Toyota Finance for mishandling my auto loan, including misapplying payments, issuing a premature charge-off, and reporting inaccurate information to credit bureaus. The timeline and actions are as follows : XX/XX/XXXX : Received a letter claiming a due date of XX/XX/XXXX, a total amount due of {$1200.00}, and that I had ignored previous communications. This was false, as my XX/XX/XXXX statement shows payments had been made, including a last payment received XX/XX/XXXX, and a total amount due of {$2100.00} by XX/XX/XXXX. XX/XX/XXXX : Sent a {$900.00} payment through an assisting organization. The payment was applied, but the company ignored communication, issued a Notice of Intent to Repossess the same day, demanded the full accelerated balance, and posted a charge-off XXXX XXXX later. XX/XX/XXXX : Mailed a certified letter including a {$2000.00} payment and a request to continue normal payments. This payment was applied, but the charge-off remained. Credit reporting : XXXX  shows past due amounts fluctuating and balances decreasing, proving payments were received but not properly applied. Additionally, on XX/XX/XXXX they reported the account status as of XXXX, and on XX/XX/XXXX as of XXXX, after receiving my XX/XX/XXXX letter. Communication failures and harassment : The company ignored multiple certified letters sent in XXXX and XXXX, continued phone calls after I requested mail-only communication, did not respond to my settlement offer, and failed to provide an itemized statement or correct inaccurate credit reporting after disputes. After my XX/XX/XXXX letter, the company did not communicate at all. 
Starting in XXXX, they resumed harassment, continuing phone calls after I requested mail-only communication. They are continuing to harass and intimidate me, leaving voicemails claiming I am driving the car while disputing the account. This demonstrates a pattern of : Misapplication of payments Premature and fraudulent charge-off False statements regarding amounts and due dates Ignoring consumer communications Reporting inaccurate information to credit bureaus I am requesting a full investigation, full deletion of the fraudulent charge-off, correction of all inaccurate charges, deletion of inaccurate tradelines, and written confirmation that all future communication will be by mail only. 
Please see the attachments of all the proof I have regarding this account. I am concerned that, even after resolution, the company may not provide the vehicle title, as similar complaints have been reported on XXXX and other sources regarding failure to deliver titles after resolving issues. 

Second feedback since they did not respond to my first complaint at all : At no point did I ever cease making payments on this account. Payments were consistently made, even if late, and I never abandoned or refused to meet my contractual obligations. Your response is factually incorrect, inconsistent with your own records, and fails to address the evidence I provided. 

XXXX. Your delinquency timeline is inaccurate. 
I was not past due in XXXX, as confirmed by my XXXX  report and your call logs. I made a payment in XXXX, which appears on your XXXX statement. Your claim that delinquency began in XXXX is false and unsupported. 

XXXX. You misrepresented the XX/XX/XXXX payment. 
My payment is dated XX/XX/XXXX, the same day I called. By law, payments must be credited as of the date received, not when you choose to process them. Your statement that it was received XX/XX/XXXX is misleading and contradicts the check date and my communication. 

XXXX. No charge-off notice or settlement letter was provided prior to payment. 
I did not receive any charge-off documentation or settlement offer until after my XX/XX/XXXX payment. Therefore, your claim that I agreed to a lump-sum settlement is false, unsupported by any recording or written acceptance, and constitutes a misrepresentation of consumer consent, a violation under FDCPA and UDAAP standards. 

XXXX. My XXXX statement shows I had until XX/XX/XXXX to pay. 
I paid {$900.00} prior to that date, and the payment appears on your system as of XX/XX/XXXX. This means your alleged XX/XX/XXXX charge-off is inconsistent with your own billing cycle and payment records. 

XXXX. Additional payments were made in XXXX, including a payment dated XX/XX/XXXX, which I provided proof of. Your response ignores this payment entirely. 

XXXX. Required disclosures were never provided. 
You have failed to provide : any itemized breakdown of charges, a legitimate charge-off notice, validation of the alleged balance, proper correction of inaccurate credit reporting. 
This violates the FCRAs accuracy requirements and your duty to investigate disputes in good faith. 

XXXX. You continued contacting me after my request for mail-only communication. 
I have preserved every voicemail. This is a direct violation of FDCPA and constitutes harassment. 

XXXX. You ignored both of my written settlement offers. 
Yet you fabricated a claim that I agreed to a settlement I never consented to. 

Your response to the CFPB is not a valid investigation outcome. It contains false dates, inaccurate reporting, omitted payments, and unsupported claims. Your handling of this account appears negligent at best and deceptive at worst. 

Given the inconsistencies, misreporting, and failure to comply with federal requirements, I am formally requesting correction of my account records and release of my vehicle title. Your continued refusal to acknowledge payments and provide required documentation is improper and legally questionable.

Company response to consumer: Closed with explanation