Consumer complaint received 2025-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: World Omni Financial Corp.
State: MO

Complaint narrative:
RE : Formal Request for Resolution of Illegal Repossession and Related Damages XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to formally address a serious and unresolved matter involving the unauthorized repossession and subsequent sale of my XXXX XXXX XXXX XXXX on XX/XX/XXXX, from the XXXX XXXX in XXXX, GA. This action was taken without justification, in direct contradiction to the status of my account, and has resulted in significant financial and reputational damage. 

At the time of repossession, I was in contact with XXXX XXXX XXXX who confirmed that my account was current and in good standing. Despite this, the vehicle was taken to a company known as XXXX, where I was unlawfully denied access to retrieve my personal belongings for over three days. 

I immediately escalated the issue to XXXX XXXX of XXXX XXXX XXXX XXXXXXXX with her manager XXXX XXXXacknowledged the repossession was done in error and assured me that efforts were underway to recover the vehicle. However, while internal discussions were ongoing, the vehicle was moved to XXXX XXXX and sold in less than three weeks from the date of repossessionwithout proper notice or compliance with required procedures, in clear violation of Georgia UCC 11-9-610, which mandates commercially reasonable sale practices of collateral. 

During this process, I was advised by XXXX XXXX not to make further payments while XXXX investigated the incident. I was also promised a credit of six months of payments as a remedy. Instead of applying these credits, the account has been sent to collections, and missed payments have been falsely reported as late to credit reporting agenciescausing irreparable damage to my credit. This violates provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and potentially the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). 

Further, I received two settlement offersfirst {$25000.00}, then $ XXXXboth of which I rejected as inadequate, given the actual market value and the amount I had invested in the vehicle ( well over {$50000.00} ). These offers were made using official XXXX Fraud Department email addresses and on XXXX letterhead, contradicting later claims that no offers were made. 

After filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), I was met with an erroneous claim that the vehicle had previously been repossessed in XX/XX/XXXX. This is demonstrably falseI have service receipts from XXXX of XXXX proving my continued possession and servicing of the vehicle during that period. Also, attached is a copy of my credit report and XXXX statements showing all payments were made and reported as " On Time '' to XXXX ( XXXX XXXX XXXX ). Further proving there was no repossession in XXXX. 

After my previous attempt to resolve this matter, it was reported that I made no payments on the vehicles loan from XX/XX/XXXX through XX/XX/XXXX. This is also false. For further verification, I will be attaching a record of payments via banking statements that demonstrate payments were in fact being made at that time. Each payment is in the amount of {$810.00} to XXXX XXXX and XXXX

Company response to consumer: Closed with explanation