Consumer complaint received 2025-12-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
On XX/XX/XXXX, I entered a binding out-the-door ( OTD ) agreement for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX total, including all taxes/fees. ( See attached for informal agreement with XXXX XXXX XXXX XXXX ). At signing, paperwork showed a {$450.00} base monthly payment and future monthly payments ; When i noticed I brought it up since we agreed on $ XXXX OTD and not $ XXXX .The finance manager XXXX XXXX, explained this as {$450.00} plus tax, which in my mind, it made sense why it showed for a lower amount. Even though it didn't make sense why the original paperwork showed a different amount. As I worked as a finance manager for 8 years for XXXX XXXX, and what you sign is what you pay on the monthly payment agreement, it was odd to me. I paid the initial {$460.00} accordingly. You accepted my trade-in vehicle ( [ XXXX XXXX XXXX ] ) in exchange. 
Two days later, on XXXX, I had to go back to pick up my drivers license as they had kept it, so I asked the sales rep if they can include window tints for the inconvenience. In addition to them inputting the wrong social security number and email address. The finance manager instructed me to bring food for a hookup, then issued an I Owe You for tints but tricked me into resigning documents that unilaterally changed terms to an initial {$490.00} plus 35 months at $ XXXXwithout disclosing or obtaining my informed consent. During the signing there were 3 people eating empanadas and talking about nothing related to business, as he stated today there were witnesses. He gave me a paper IOU and had me sign the pad but never disclosed I was signing a renegotiation of the terms. When I stopped by today I asked why the updated paperwork says {$490.00} was due for initial payment, they said it's because taxes are not included on initial payment, which again, makes no sense to what is on document. Then I asked if original paperwork was done correctly, why it originally said $ XXXX and now it says {$490.00}, they said it was a system error. I also have the initial deposit made for {$460.00} attached. I requested all documents immediately and repeatedly for over a week but only received them until today, XX/XX/XXXX. Upon reviewing the 2 page document he emailed I realized the payment terms were completely different than what I had originally signed, revealing this fraud. 
This violates the Truth in Lending Act ( TILA ), state UDAP laws, and contract principles requiring full disclosure for modifications. Dealerships can not alter core terms post-sale via spot delivery tactics. 
I demand within XXXX hours by XX/XX/XXXX, XXXX XXXX EST ] : 1. All original and modified documents, including timestamps, signatures, and full audit trail.

2. One of : ( a ) Full contract rescissionreturn my trade-in in pre-trade condition with clear title, refund my {$460.00} initial payment plus fees, and retrieve the leased vehicle at your expense; or ( b ) Honor the original $ XXXX OTD terms ( {$450.00} base + tax ) with corrected paperwork. 
Provide written confirmation of compliance. Failure will result in immediate escalation : complaints to Florida XXXX, Attorney General, CFPB, FTC ; demand letter via consumer protection attorney ; and legal action for fraud, rescission, damages, and punitive awards ( many on contingency ). I will also send this via certified mail.

Company response to consumer: Closed with explanation