World Omni Financial Corp. Consumer Loan Complaint

World Omni Financial Corp. Consumer Loan department,

Vehicle loan Problems when you are unable to pay Florida

I had always paid my car on time and this was my 2nd car financed through Southeast Toyota Finance company. I was laid off from a job and called the company and asked to skip a payment. They told me ( on a recorded call ) that I could pay a little over $200.00 to skip 2 payments but I had to fax a letter in telling them why. Later, I discovered they marked my credit report 60 days late after taking my money. I called again ( call was recorded by them ) and I was told I used the wrong verbiage in my letter therefore despite paying for skipping 2 payments so it would n't affect my credit, they not only took my money but reported to my credit bureau that I was 60 days late. Since that violates the fair practice law and was deceptive in nature, I told them since they already damaged my credit I would voluntarily surrender the car because I had paid them for 2 years, on 2 cars, on time and the first time I had financial problems they took advantage of me by having me pay to skip payments to protect my credit only to state later that the verbiage on my letter was not exactly what they wanted so I was reported as 60 days late. Then, they sold this 2014 - in perfect condition, with a little more than - miles on it for only $15000.00 and are now coming after me relentlessly for $19000.00 when the car was not even worth $34000.00. They are doing this to a lot of customers. They ca n't take money to skip payments, then turn around and say wrong verbiage made the agreement null and void and report people late on their credit reports after taking their money. What they did to me violates the CFPB deceptive practices regulation.