Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: World Omni Financial Corp.
State: OH

Complaint narrative:
XX/XX/2021 I the consumer and natural person purchased a XXXXXXXX XXXX XXXXXXXX  for personal, family, and house hold purposes using my credit card pursuant to federal law ( 15 usc 1602 ) and 16 cfr 433.1 that was completely paid off using my open ended consumer credit plan at XXXX XXXX XXXX, the firm committed fraud by giving me deceptive forms to coerce me into debt which is a federal violation of the fair debt collection practices act, they also committed fraud by not issuing me my lien free title as well as purchase money loan pursuant to 16 cfr 433.1 ( d ) and other proceeds that I have all rights and claims to from my negotiable instrument/ chattel paper being sold to world omni financial corp . I was not given adequate disclosure on how the finance charge was calculated, i was force to pay for gap and other insurance separately. This firm then sold these deceptive forms to world omni financial corp to give the impression I took out a auto loan which I did not. Its almost impossible for me the natural person and consumer to take out any loan when I have a open end credit plan also known as an open end consumer credit plan as defined in regulation Z ( truth in lending act ). World omni financial corp now has the title to my property with liens on them which is a direct violation of the FALSE Claims ACT 31 usc 3729-3733, they also sent a work order to Relentless recovery to unawfully take possession of my property that they had no rights to which is currently still sitting at the repo lot getting ready to be auctioned off for no valid reason. This company is in direct violation of the fair debt collection practices act on multiple occurrences. 15 usc 1692B ( 2 ), 15 usc 1692c ( a ), 15 usc 1692d ( 1 ), ( 2 ), ( 4 ), in addition to the false and misleading representations 15 usc 1692e ( 2 ) ( a ) ( b ), 15 usc 1692e ( 4 ) ( 5 ), 15 usc 1692e ( 6 ) ( B ), 15 usc 1692e ( 8 ) ( 9 ) ( 10 ) ( 13 ) ( 15 ), these are all unfair practices under 15 usc 1692f especially taking my property as stated in 15 usc 1692 ( 6 ) ( a ) and ( B ). I cant pay anymore for this fraudulent loan even if I wanted to due to lack of currency to pay. World omni financial corp also sends me monthly bills and statements threatening /attempting to coerce me to pay violating 39 usc 3005. As a federally protected consumer I demand my title lien free upon receiving this notice and reflect all these accounts as paid off on all consumer reporting agencies. These alleged auto loans are in fact purchase money loans that were supposed to be given to me the consumer in return for a finance charge pursuant to 16 cfr 433.1 which I never received. This company has also sent me multiple repossession notices threatening to take my property which was already paid off via my chattel paper/ negotiable instrument that they has unlawfully sold numerous times which is securities fraud pursuant to 18 usc 3301. I will be seeking litigation for all parties who were involved in these fraudulent activities to the fullest extent. I ask for documentary evidence showing that i owe these debts the installment credit sale contract does not suffice as adequate documentation pursuant to 12 cfr 102.6 ( a ) ( 4 ) ( 5 ) of the details of the security interest. I also already took the liberty of checking the states ucc 11 records showing that I dont owe anyone any debt and it is more prevalent this company is engaging in not stop fraud. Please be advised I do intend of pursuing federal charged on all parties who where included or played a roll in these racketeering offenses and unfair and deceptive practices pursuant to 16 cfr 433.2. In closing please be advised that i am revoking any and all security interest and power of attorney you all may have, I have already sent a copy via certified mail.

Company response to consumer: Closed with explanation