{"took":321,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":849,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8330938","_score":18.261965,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"*** New Complaint*** Omni financial is attempting to belabor my concerns through misrepresentation of facts and lack of accountability.\n\nOmni did in fact violate both the XXXX and XXXX at the time of loan issuance and subsequent refinance. Omni is well aware that policies in place at the time violated consumer rights and has continued to charge interest to the amount of XXXX on a loan that should be entirely void. \n\nIve attempted to contact XXXX XXXX without success. No member of Omni has contacted me. \n\nIm attaching original response and except surrounding XXXX as Omni is incorrect in excusing violations. As civil penalties are dated for any violation taking place XXXX or later, Im now seeking damages for both financial and mental hardships.","date_sent_to_company":"2024-02-13T00:06:27.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Installment loan","zip_code":"76502","tags":"Servicemember","has_narrative":true,"complaint_id":"8330938","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CashRepublic Holdings, Inc.","date_received":"2024-02-12T23:59:40.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["*** New Complaint*** <em>Omni</em> financial is attempting to belabor my concerns through misrepresentation of facts and lack of accountability.\n\n<em>Omni</em> did in fact violate both the XXXX and XXXX at the time of loan issuance and subsequent refinance. <em>Omni</em> is well aware that policies in place at the time violated consumer rights and has continued to charge interest to the amount of XXXX on a loan that should be entirely void. \n\nIve attempted to contact XXXX XXXX without success."]},"sort":[18.261965,"8330938"]},{"_index":"complaint-public-v1","_id":"3768651","_score":18.109001,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"I obtained a loan from Omni Financial ( Military Loan ) for {$4700.00}, I could not meet my obligation due to loss of employment. When I contacted Omni Financial to work out a payment plan or alternative agreement, Omni Financial refused to work with me. The maximum interest rate that Omni Financial advertise is \" from single digits to 35.95 % ''. The loan was established XX/XX/XXXX & the term was for 25 months. As of XX/XX/XXXX Omni financial is reporting a balance of {$13000.00}. The balance increases every month as well as updates to the three major credit bureaus as a charge-off with multiple errors ( date of last payment, loan start date, original balance, date of last activity ). Omni did not prominently display a full and accurate schedule of interest rates and other charges, in order for me to justify & understand a 185 % increase from the original balance.","date_sent_to_company":"2020-07-29T07:10:56.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Installment loan","zip_code":"33619","tags":"Servicemember","has_narrative":true,"complaint_id":"3768651","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Siggi LLC","date_received":"2020-07-29T02:45:37.000Z","state":"FL","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":null},"highlight":{"complaint_what_happened":["I obtained a loan from <em>Omni</em> Financial ( Military Loan ) for {$4700.00}, I could not meet my obligation due to loss of employment. When I contacted <em>Omni</em> Financial to work out a payment plan or alternative agreement, <em>Omni</em> Financial refused to work with me. The maximum interest rate that <em>Omni</em> Financial advertise is \" from single digits to 35.95 % ''. The loan was established XX/XX/XXXX & the term was for 25 months. As of XX/XX/XXXX <em>Omni</em> financial is reporting a balance of {$13000.00}."]},"sort":[18.109001,"3768651"]},{"_index":"complaint-public-v1","_id":"2433307","_score":18.09292,"_source":{"product":"Consumer Loan","complaint_what_happened":"The loan account ( account # XXXX ) from this creditor ( Omni Financial XXXX/Omni XXXX ) was paid off via a collections agency ( XXXX XXXX XXXX ). The collection agency claims to have reported the paid off debt to the creditor, yet the creditor insists on not having such information in order to update the credit bureaus. After repeated calls and referrals back to the same collection agency which collects debts for Omni Financial XXXX/Omni XXXX, I 'm left with very little options. As 0f XX/XX/2017, none of the major credit bureaus have received an account update message from Omni. I have a paid in full/XXXX balance receipt from XXXX XXXX XXXX with Omni Financial XXXX listed as the original creditor to substantiate my claim.","date_sent_to_company":"2017-04-14T14:16:28.000Z","issue":"Managing the loan or lease","sub_product":"Installment loan","zip_code":"11203","tags":"Servicemember","has_narrative":true,"complaint_id":"2433307","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Siggi LLC","date_received":"2017-04-13T21:50:17.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The loan account ( account # XXXX ) from this creditor ( <em>Omni</em> Financial XXXX/<em>Omni</em> XXXX ) was paid off via a collections agency ( XXXX XXXX XXXX ). The collection agency claims to have reported the paid off debt to the creditor, yet the creditor insists on not having such information in order to update the credit bureaus. After repeated calls and referrals back to the same collection agency which collects debts for <em>Omni</em> Financial XXXX/<em>Omni</em> XXXX, I 'm left with very little options."]},"sort":[18.09292,"2433307"]},{"_index":"complaint-public-v1","_id":"8218956","_score":18.051907,"_source":{"product":"Debt collection","complaint_what_happened":"Paid for debt cancellation Was medically discharged Omni attempting to circumvent policy Omni has not once provided required documentation per the FDCPA Omni reporting 1 account as 2 trade lines on XXXX making it appear as XXXX in charge off","date_sent_to_company":"2024-01-24T23:37:48.000Z","issue":"Written notification about debt","sub_product":"Payday loan debt","zip_code":"76502","tags":"Servicemember","has_narrative":true,"complaint_id":"8218956","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CashRepublic Holdings, Inc.","date_received":"2024-01-24T23:34:11.000Z","state":"TX","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Paid for debt cancellation Was medically discharged <em>Omni</em> attempting to circumvent policy <em>Omni</em> has not once provided required documentation per the FDCPA <em>Omni</em> reporting 1 account as 2 trade lines on XXXX making it appear as XXXX in charge off"]},"sort":[18.051907,"8218956"]},{"_index":"complaint-public-v1","_id":"16144490","_score":17.989452,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this rebuttal because Omni Financials most recent response to my CFPB complaint is wholly inadequate, recycled from a prior dispute, and fails to meet even the basic requirements of verification under the Fair Credit Reporting Act ( FCRA ).\n\nOmni continues to rely on boilerplate contract language while refusing to provide any verifiable documentation of the balance they are reporting. This is the second CFPB complaint I have filed on this account, and Omni has demonstrated a clear pattern of evasive, bad-faith responses.\n\nMajor Failures by Omni Discretionary Interest = Not Enforceable The contract states Omni may charge post-default interest. XXXX is discretionary, not mandatory. Reporting discretionary amounts as fixed debt is deliberately misleading and violates FCRA 623.\n\nNo Itemized Proof Omni has never provided daily accrual logs, amortization schedules, or payment applications. A blanket citation to the contract does not verify the specific figures they are furnishing.\n\nInconsistent Balances If interest were accruing at the APR, the balance would grow predictably. Instead, figures fluctuate ( e.g., {$110.00} one month, {$100.00} the next ), proving the numbers are arbitrary and unverifiable.\n\nWaiver of Interest Exposes the Truth Omni has already offered to waive post-default interest. A legitimate, enforceable debt can not be selectively erased.\nTheir own actions prove the reported balance is negotiable and not fixed.\n\nOngoing False Delinquency Reporting Omni continues to update the tradeline every month as if newly delinquent, despite charge-off years ago. This creates the false impression of a fresh default and severely damages my credit standing, including mortgage eligibility.\n\nRepeat Bad-Faith Responses Two CFPB complaints, two copy-and-paste replies. This is not a reasonable investigation under FCRA 623 ( b ). It is avoidance.\n\nWhy This Matters Legally FCRA 623 ( a ) ( 1 ) : A furnisher can not knowingly report inaccurate or misleading information.\n\nFCRA 623 ( a ) ( 8 ) : Information must be complete and verifiable. Omni has failed twice.\n\nFCRA 611 ( a ) ( 5 ) : Bureaus must delete unverifiable information after reinvestigation.\n\nOmni has made no effort to substantiate the actual balance they are reporting. They are furnishing discretionary, inconsistent, and negotiable figures as if they were verified obligations. This is inaccurate and unlawful. \n\nRequired Action Because Omni has repeatedly failed to verify the accuracy of the account : The credit reporting agencies must immediately delete this tradeline as unverifiable.\n\nThe CFPB should recognize Omnis repeated boilerplate replies as a failure to conduct a reasonable investigation and take appropriate enforcement action.\n\nI have now given Omni and the bureaus multiple opportunities to correct this. Continued non-compliance will be treated as willful reporting of inaccurate information under the FCRA.","date_sent_to_company":"2025-09-25T01:38:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"74006","tags":"Servicemember","has_narrative":true,"complaint_id":"16144490","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CashRepublic Holdings, Inc.","date_received":"2025-09-25T01:35:44.000Z","state":"OK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This is the second CFPB complaint I have filed on this account, and <em>Omni</em> has demonstrated a clear pattern of evasive, bad-faith responses.\n\nMajor Failures by <em>Omni</em> Discretionary Interest = Not Enforceable The contract states <em>Omni</em> may charge post-default interest. XXXX is discretionary, not mandatory. Reporting discretionary amounts as fixed debt is deliberately misleading and violates FCRA 623."]},"sort":[17.989452,"16144490"]},{"_index":"complaint-public-v1","_id":"3600480","_score":17.831553,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX is reporting a duplicate Omni Financial account on my report. The accounts have the same exact account number, same payment history, except one was paid off and closed in XX/XX/2018 and one still has a balance of {$950.00}. I have no open account with Omni Financial. I have called Omni and notified them of the problem, they insist they are reporting it correctly and it is on XXXX  to fix. I disputed it several times in writing with XXXX and they insist that is how Omni is reporting it. Neither are willing to correct it and it is unfairly hurting my credit score.","date_sent_to_company":"2020-04-10T07:34:35.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"80921","tags":"Servicemember","has_narrative":true,"complaint_id":"3600480","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Siggi LLC","date_received":"2020-04-10T03:15:36.000Z","state":"CO","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX is reporting a duplicate <em>Omni</em> Financial account on my report. The accounts have the same exact account number, same payment history, except one was paid off and closed in XX/XX/2018 and one still has a balance of {$950.00}. I have no open account with <em>Omni</em> Financial. I have called <em>Omni</em> and notified them of the problem, they insist they are reporting it correctly and it is on XXXX  to fix. I disputed it several times in writing with XXXX and they insist that is how <em>Omni</em> is reporting it."]},"sort":[17.831553,"3600480"]},{"_index":"complaint-public-v1","_id":"1979359","_score":17.586277,"_source":{"product":"Consumer Loan","complaint_what_happened":"XXXX Toyota agreed to pay any remaining balance including any wear and tear of the vehicle. I received a bill from World Omni XXXX for {$230.00}. I disputed this in writing with both World Omni and XXXX Toyota. I have documentation in writing from XXXX Toyota advising me that a check was forwarded bringing my account to {$0.00}. Dispute my numerous attempts to rectify and World Omni refuses to remove the negative \" charge off '' from my credit. It should be added on or about XXXX, 2016, a representative from World Omni unlawfully accessed my credit report to determine if my potential claim under the FCRA was justiciable. This is violative under the FCRA. World Omni failed to notify the credit bureaus when they filed a negative rating that the undersigned disputed the debt. They changed their remarks on my credit report after I advised I was going to bring a lawsuit to attempt to cover up from their previous violative behavior.","date_sent_to_company":"2016-07-11T16:58:55.000Z","issue":"Managing the loan or lease","sub_product":"Vehicle loan","zip_code":"333XX","tags":null,"has_narrative":true,"complaint_id":"1979359","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"World Omni Financial Corp.","date_received":"2016-06-23T03:10:48.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I received a bill from World <em>Omni</em> XXXX for {$230.00}. I disputed this in writing with both World <em>Omni</em> and XXXX Toyota. I have documentation in writing from XXXX Toyota advising me that a check was forwarded bringing my account to {$0.00}. Dispute my numerous attempts to rectify and World <em>Omni</em> refuses to remove the negative \" charge off '' from my credit."],"company":["World <em>Omni</em> Financial Corp."]},"sort":[17.586277,"1979359"]},{"_index":"complaint-public-v1","_id":"16573337","_score":17.559273,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have received Omni Financial 's final response, in which you refuse to negotiate via letter and demand communication by phone. Your attempt to move this liability negotiation off the record is rejected. \n\nOmni Financial 's persistent conduct demonstrates Willful Non-Compliance with the FCRA and a Reckless Disregard for federal law, meeting the legal threshold for maximum damages in a lawsuit. \n\nI. Evidence of Legal Violations and Willful Non-Compliance Omni has repeatedly failed to conduct a reasonable investigation and correct the inaccurate tradeline : Military Lending Act ( MLA ) Violation & Void Debt : Prohibited Practice : The MLA, 10 U.S.C. 987, prohibits creditors from requiring a service member to use a military allotment to repay a consumer credit transaction. Omni 's Admission : Your communication to the CFPB confirms the loan payment was received via Allotment. This constitutes a legal admission that the loan is void from its inception. \n\nWillfulness : Omni had separate formal notice of the MLA issue in April 2025, yet willfully continued to report this void debt.\n\nIllegal Collection Attempts & Refusal to Communicate in Writing ( FDCPA Violation ) : Your demand that I call Omni to \" resolve your financial concern '' is an illegal collection attempt on a void debt. \n\nYour refusal to negotiate in writing and demand for a phone call is an attempt to evade the creation of a legally enforceable settlement document and will be cited as a further FDCPA violation in court. \n\nFurnishing Inaccurate/Aged Data ( FCRA Violation ) : Omni used documents stating a XXXX Debt Validation date for this account, which originated on XX/XX/XXXX. \n\nData Insertion During Active Dispute ( FCRA Violation ) : On XX/XX/XXXX, while this account was under an active dispute investigation, Omni added new data to the tradeline. Adding new data during a pending investigation is an illegal willful act that interferes with the dispute process. \n\nWillful Data Manipulation ( FCRA Violation ) : Following the formal dispute dated XX/XX/XXXX, Omni refused to delete the void debt. Instead, Omni engaged in willful data modification, altering 9 fields of data on the tradeline. \n\nII. Non-Negotiable Settlement Demand Omni Financial 's cumulative actions trigger a civil cause of action seeking statutory damages of {$100.00} to {$1000.00} per violation under the FCRA and FDCPA, plus attorney 's fees and punitive damages. To avoid an immediate federal lawsuit for all cumulative violations, I demand the following non-negotiable settlement : Immediate Deletion : Permanently delete the Omni Financial tradeline ( # XXXX ) from all three credit bureaus. \n\nCash Settlement : Pay a non-negotiable cash settlement of {$15000.00}. \n\nOmni Financial has 7 calendar days from today 's date to agree to this full settlement in writing. If I do not receive a written agreement by the deadline, I will immediately file suit in XXXX XXXX XXXX and demand a Jury Trial without further notice.","date_sent_to_company":"2025-10-14T14:52:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"74006","tags":"Servicemember","has_narrative":true,"complaint_id":"16573337","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CashRepublic Holdings, Inc.","date_received":"2025-10-14T14:43:04.000Z","state":"OK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Willful Data Manipulation ( FCRA Violation ) : Following the formal dispute dated XX/XX/XXXX, <em>Omni</em> refused to delete the void debt. Instead, <em>Omni</em> engaged in willful data modification, altering 9 fields of data on the tradeline. \n\nII. Non-Negotiable Settlement Demand <em>Omni</em> Financial 's cumulative actions trigger a civil cause of action seeking statutory damages of {$100.00} to {$1000.00} per violation under the FCRA and FDCPA, plus attorney 's fees and punitive damages."]},"sort":[17.559273,"16573337"]},{"_index":"complaint-public-v1","_id":"3463214","_score":17.500557,"_source":{"product":"Debt collection","complaint_what_happened":"I have a loan through Omni Financial in an approximate amount of XXXX dollars. The company told me that I had to make an allotment or they would go to my bank and take money directly from my account. Not realizing that the actions done by Omni were illegal my financial adviser seen this allotment and told me to terminate it immediately. As well an employee from Omni spoke to her husband to contact me about paying the loan. around the end of XXXX I revived a phone call from her husband which is my co worker as well.Telling me that I need to answer his wife and pay Omni. Once I got off the phone with the husband, my spouse immediately told me to go see JAG. The JAG office told me that Omni violated the fair debt collection act and need to speak with my financial adviser also write a letter to Omni on why they will not be receiving funds from me. I have not written the letter yet, I do need further assistance with what to put into the letter. My financial adviser directed me to one of your agents to get further help.","date_sent_to_company":"2019-12-09T22:46:24.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"Payday loan debt","zip_code":"664XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3463214","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Siggi LLC","date_received":"2019-12-09T22:20:57.000Z","state":"KS","company_public_response":null,"sub_issue":"Talked to a third-party about your debt"},"highlight":{"complaint_what_happened":["I have a loan through <em>Omni</em> Financial in an approximate amount of XXXX dollars. The company told me that I had to make an allotment or they would go to my bank and take money directly from my account. Not realizing that the actions done by <em>Omni</em> were illegal my financial adviser seen this allotment and told me to terminate it immediately."]},"sort":[17.500557,"3463214"]},{"_index":"complaint-public-v1","_id":"9834777","_score":17.49359,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I purchased my car from XXXX XXXX XXXX World Omni, in XXXX. I did a voluntary repossession at the beginning of XXXX. The car was still Outstanding condition and was sold by world Omni after the repossession. With the car being sold, They did not apply any proceeds towards the outstanding balance. World Omni Has failed to correct the reporting for over XXXX XXXX years And continue to report incorrect balance, Past due payments Altogether incorrect information.","date_sent_to_company":"2024-08-17T07:36:07.000Z","issue":"Incorrect information on your report","sub_product":"Loan","zip_code":"350XX","tags":null,"has_narrative":true,"complaint_id":"9834777","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"World Omni Financial Corp.","date_received":"2024-08-17T07:19:10.000Z","state":"AL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I purchased my car from XXXX XXXX XXXX World <em>Omni</em>, in XXXX. I did a voluntary repossession at the beginning of XXXX. The car was still Outstanding condition and was sold by world <em>Omni</em> after the repossession. With the car being sold, They did not apply any proceeds towards the outstanding balance. World <em>Omni</em> Has failed to correct the reporting for over XXXX XXXX years And continue to report incorrect balance, Past due payments Altogether incorrect information."],"company":["World <em>Omni</em> Financial Corp."]},"sort":[17.49359,"9834777"]},{"_index":"complaint-public-v1","_id":"5284478","_score":17.274414,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"In the Matter of CFPB v. Omni Financial of Nevada XXXX Inc., also doing business as Omni Financial and Omni Military Loans File No. XXXX Dear CFPB, I am sending you this letter/email to see if I qualified for the lawsuit that was filed against Omni Financial. I have gotten multiple loans from them between the years of XXXX and XXXX. My customer number for them is XXXX. If I was eligible for the refund the address is incorrect. I was XXXX and had to change addresses. My old address was XXXX XXXX XXXX XXXX XXXX nc XXXX. My new address is XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX. If the check was sent to the previous address I can not obtain the check. My name is XXXX XXXX XXXX. XXXX In the United States XXXX.","date_sent_to_company":"2022-03-04T06:44:06.000Z","issue":"Lost or stolen check","sub_product":"Refund anticipation check","zip_code":"28314","tags":"Servicemember","has_narrative":true,"complaint_id":"5284478","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Siggi LLC","date_received":"2022-03-04T01:39:01.000Z","state":"NC","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":null},"highlight":{"complaint_what_happened":["<em>Omni</em> Financial of Nevada XXXX Inc., also doing business as <em>Omni</em> Financial and <em>Omni</em> Military Loans File No. XXXX Dear CFPB, I am sending you this letter/email to see if I qualified for the lawsuit that was filed against <em>Omni</em> Financial. I have gotten multiple loans from them between the years of XXXX and XXXX. My customer number for them is XXXX. If I was eligible for the refund the address is incorrect. I was XXXX and had to change addresses. My old address was XXXX XXXX XXXX XXXX XXXX nc XXXX."]},"sort":[17.274414,"5284478"]},{"_index":"complaint-public-v1","_id":"2290361","_score":17.14861,"_source":{"product":"Consumer Loan","complaint_what_happened":"I co-signed an automobile lease for a new XXXX XXXX with my adult daughter in XX/XX/XXXX. The lease was with Southeast Toyota Finance aka World Omni Financial Corp. My daughter drove the car and made the $ XXXX monthly lease payments on time. She was involved in an accident in XX/XX/XXXX and the car was deemed a total loss. She continued to make her lease payments as directed. In XX/XX/XXXX, our automobile insurance company, XXXX, paid {$13000.00} to World Omni Financial Corp. World Omni claims that on XX/XX/XXXX it mailed one {$800.00} final payment invoice ( which they say was the difference between the XXXX payment and the actual value of the car ) to my daughter 's address and posted a copy to my address. World Omni Financial says the due date was XX/XX/XXXX, less than 30 days later. Neither my daughter nor I received that bill in the mail from World Omni Financial and they did not attempt to contact us about any past due amount using the multiple email addresses and phone numbers they company has on file for each of us. Instead, without a second notice or attempt to communicate, World Omni Financial listed the debt as a \" charge off '' and reported the account as delinquent to the XXXX credit bureau. I learned about the matter when my credit protection service alerted me to the delinquent account report, a first ever on my more than 40 year credit history. Though World Omni Financial had already written off the debt by the time I contacted them, I subsequently paid it off through a third-party vendor they use -- XXXX XXXX ( confirmation # XXXX ). Had World Omni Financial called or otherwise attempted to contact me before all of this, I would have paid them what was owed. I always do.","date_sent_to_company":"2017-01-18T22:00:09.000Z","issue":"Managing the loan or lease","sub_product":"Vehicle lease","zip_code":"29170","tags":null,"has_narrative":true,"complaint_id":"2290361","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"World Omni Financial Corp.","date_received":"2017-01-17T14:12:14.000Z","state":"SC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["World <em>Omni</em> claims that on XX/XX/XXXX it mailed one {$800.00} final payment invoice ( which they say was the difference between the XXXX payment and the actual value of the car ) to my daughter 's address and posted a copy to my address. World <em>Omni</em> Financial says the due date was XX/XX/XXXX, less than 30 days later."],"company":["World <em>Omni</em> Financial Corp."]},"sort":[17.14861,"2290361"]},{"_index":"complaint-public-v1","_id":"8314633","_score":17.14008,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Im a consumer who has been directly impacted by actions identified in CFPB consent order of 2020 against Omni Financial. \n\nIve long disputed this debt and as its clear that Omni violated the MLA and EFTA, continued reporting against me is a violation of FCRA. \n\nIve suffered numerous financial hardships by way of increased interest rates and credit denial because of these unjust reports. Omni has continued to report the same debt as 2 different derogatory trade lines with XXXX. \n\nI received no compensation after the finalization of CFpB consent order.","date_sent_to_company":"2024-02-09T20:57:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76502","tags":"Servicemember","has_narrative":true,"complaint_id":"8314633","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CashRepublic Holdings, Inc.","date_received":"2024-02-09T20:50:25.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Im a consumer who has been directly impacted by actions identified in CFPB consent order of 2020 against <em>Omni</em> Financial. \n\nIve long disputed this debt and as its clear that <em>Omni</em> violated the MLA and EFTA, continued reporting against me is a violation of FCRA. \n\nIve suffered numerous financial hardships by way of increased interest rates and credit denial because of these unjust reports. <em>Omni</em> has continued to report the same debt as 2 different derogatory trade lines with XXXX."]},"sort":[17.14008,"8314633"]},{"_index":"complaint-public-v1","_id":"3622785","_score":17.071135,"_source":{"product":"Debt collection","complaint_what_happened":"Omni Military loan reported the same collects twice on my credit. I tried to call them but the call sent me to sunrise bank. I explained to them what happened and they told me they cant do anything about it. I asked to speak with their manager and they told me they cant give me his number only email. I emailed the manager proof and explained to him that it is the same collection and amount on both accounts. I only owe one balance of {$2000.00} not two. With XXXX and XXXX they have a complete account number. With XXXX they have reported it without the XXXX Infront of the account number. The manager told me they will not remove anything. The next morning they called me back to arrange payments. I asked them to give me the number for Omni they told me they cant give me that number. The spoke with Omni Financial themselves and they told me that Omni will not remove anything.","date_sent_to_company":"2020-04-25T15:02:47.000Z","issue":"False statements or representation","sub_product":"Payday loan debt","zip_code":"30058","tags":"Servicemember","has_narrative":true,"complaint_id":"3622785","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Siggi LLC","date_received":"2020-04-25T14:29:21.000Z","state":"GA","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I asked them to give me the number for <em>Omni</em> they told me they cant give me that number. The spoke with <em>Omni</em> Financial themselves and they told me that <em>Omni</em> will not remove anything."]},"sort":[17.071135,"3622785"]},{"_index":"complaint-public-v1","_id":"5298200","_score":17.067055,"_source":{"product":"Debt collection","complaint_what_happened":"We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT I have been actively disputing an account with Omni Financial of Nevada for years. I recently began cleaning up my credit and notice, Omni was still reporting inaccurate information to all three credit bureaus. I requested a verification of debt because I was uncertain the debt even belonged to me with such conflicting information. Recent disputes began in XXXX XXXX. On several occasions via filed disputes, XXXX, XXXX, XXXX and Omni Financial verified the inaccurate data using XXXX and continued to report across all three bureaus. Data provided, did not coincide with data provided through the debt verification. If all three bureaus were receiving different information, this would be impossible. Over the years and especially in the last few months, this willful non-compliance of the FCRA is a violation of my rights. Previous credit reports show Omni was reporting inaccurate data such as high balance, payment amount due, date account was open, date of last payment, amount past due etc. After filing a complaint with the XXXX, Omni Financial updated my credit file, again with inaccurate data. There was even a difference in the amount added to the monthly balance for the month of XX/XX/XXXX across the bureaus. One bureau had an increase of {$100.00} and the others {$100.00}. In addition XXXX and XXXX are reporting a high balance of {$6600.00} on a closed account, and the XXXX is showing a balance of {$0.00}. Instead of correcting the data, Omni, instead chooses to harm my credit file with XXXX, XXXX, and XXXX assisting by validating inaccurate data continuously on my credit file. In addition, when you attempt to contact Omni about your credit file, they say the account was sold to XXXX credit Services, yet Omni is reporting. Please remove from my credit file.","date_sent_to_company":"2022-03-08T20:12:12.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"28214","tags":"Servicemember","has_narrative":true,"complaint_id":"5298200","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Siggi LLC","date_received":"2022-03-08T20:03:33.000Z","state":"NC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Instead of correcting the data, <em>Omni</em>, instead chooses to harm my credit file with XXXX, XXXX, and XXXX assisting by validating inaccurate data continuously on my credit file. In addition, when you attempt to contact <em>Omni</em> about your credit file, they say the account was sold to XXXX credit Services, yet <em>Omni</em> is reporting. Please remove from my credit file."]},"sort":[17.067055,"5298200"]},{"_index":"complaint-public-v1","_id":"3060036","_score":17.02874,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Several months ago I filed a complaint with the Consumer Financial Protection Bureau, against World Omni Finance for reporting erroneous late payments. Today I reviewed my credit report and both credit reporting agencies are indicating I am 4 payments behind on my vehicle loan. The report is showing I am 30-90 days behind on my vehicle loan with World Omni. I am at the mercy of World Omni Finance Co. and these credit bureaus because it takes 30 days for them to investigate and another 30 days for them to correct the error. Then the error appears back on my credit report. I have been fighting this since XXXX. I contacted World Omni and their representative says they are not reporting any late payments. Please tell me what to do","date_sent_to_company":"2018-10-30T04:20:04.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Loan","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"3060036","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"World Omni Financial Corp.","date_received":"2018-10-30T00:10:22.000Z","state":"FL","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Several months ago I filed a complaint with the Consumer Financial Protection Bureau, against World <em>Omni</em> Finance for reporting erroneous late payments. Today I reviewed my credit report and both credit reporting agencies are indicating I am 4 payments behind on my vehicle loan. The report is showing I am 30-90 days behind on my vehicle loan with World <em>Omni</em>."],"company":["World <em>Omni</em> Financial Corp."]},"sort":[17.02874,"3060036"]},{"_index":"complaint-public-v1","_id":"8311991","_score":16.990887,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to file a formal complaint against OmniPoint Management Solutions, LLC regarding their unlawful debt collection practices. On XX/XX/year>, I received a letter from OmniPoint Management Solutions , LLXXXX, informing me of an alleged debt owed to XXXX XXXX XXXX, which was purportedly originally owed to XXXX XXXX The letter stipulated that I had until XX/XX/year>, to respond to their communication, either agreeing to or disputing the charges. \n\nHowever, merely XXXX days after sending the letter, OmniPoint Management Solutions, LLC began harassing my relatives by contacting them via phone. This action is a clear violation of my privacy rights and constitutes harassment under federal and state laws. I had not provided OmniPoint Management Solutions, LLC with my relatives ' contact information, yet they managed to obtain it through unauthorized means, likely by running a background check on me. This unauthorized access to personal information and subsequent harassment of my relatives is unacceptable and illegal. \n\nFurthermore, when I contacted OmniPoint Management Solutions, LLC to request that they cease contacting me and my relatives by phone and communicate with me exclusively via regular mail, their representative, named XXXX, disregarded my request and insisted that they were within their legal rights to continue calling both me and my relatives. \n\nThis conduct by OmniPoint Management Solutions, LLC not only violates my privacy rights but also breaches several federal and state laws, including but not limited to : The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692, which prohibits debt collectors from engaging in abusive, deceptive, and unfair practices, including harassment and contacting third parties about a debt without the consumer 's consent. \n\nThe California XXXX Fair Debt Collection Practices Act ( California XXXX XXXX XXXX et seq. ), which mirrors many of the protections provided by the FDCPA and imposes additional requirements on debt collectors operating in California. \n\nBy initiating harassing phone calls to my relatives mere days after sending me a letter and refusing to honor my request to communicate via mail, OmniPoint Management Solutions, LLC has demonstrated a blatant disregard for consumer rights and legal obligations. \n\nTherefore, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate enforcement action against OmniPoint Management Solutions, LLC for their violations of federal and state debt collection laws. Additionally, I request that the Bureau ensure that OmniPoint Management Solutions, LLC ceases all unlawful debt collection activities and compensates me for the distress and inconvenience caused by their actions. \n\nThank you for your attention to this matter. I look forward to your prompt investigation and resolution. \n\nSincerely,","date_sent_to_company":"2024-02-08T19:30:44.000Z","issue":"Communication tactics","sub_product":"Credit card debt","zip_code":"945XX","tags":null,"has_narrative":true,"complaint_id":"8311991","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Omnipoint Capital","date_received":"2024-02-08T19:21:55.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["I am writing to file a formal complaint against <em>Omni</em>Point Management Solutions, LLC regarding their unlawful debt collection practices. On XX/XX/year>, I received a letter from <em>Omni</em>Point Management Solutions , LLXXXX, informing me of an alleged debt owed to XXXX XXXX XXXX, which was purportedly originally owed to XXXX XXXX The letter stipulated that I had until XX/XX/year>, to respond to their communication, either agreeing to or disputing the charges."]},"sort":[16.990887,"8311991"]},{"_index":"complaint-public-v1","_id":"1518711","_score":16.956793,"_source":{"product":"Consumer Loan","complaint_what_happened":"My account with Omni has never been late. I have always paid this account on time and never late. For some reason Omni has chosen to report this account as charged off after I have paid this account off.","date_sent_to_company":"2015-08-19T12:55:55.000Z","issue":"Managing the loan or lease","sub_product":"Installment loan","zip_code":"20707","tags":"Servicemember","has_narrative":true,"complaint_id":"1518711","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Siggi LLC","date_received":"2015-08-14T21:17:55.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["My account with <em>Omni</em> has never been late. I have always paid this account on time and never late. For some reason <em>Omni</em> has chosen to report this account as charged off after I have paid this account off."]},"sort":[16.956793,"1518711"]},{"_index":"complaint-public-v1","_id":"4432491","_score":16.925955,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XXXX XXXX - XXXX XXXX XXXX was returned to XXXX XXXX XXXX XXXX. \n\nXX/XX/XXXX - Received a verification from the lease holder, XXXX XXXX  XXXX as Trustee of World Omni LT and Southeast Toyota Finance dba World Omni Financial Corp, that account was paid in full. \n\nSoutheast Toyota Finance dba World Omni Financial Corp continually sends past due notices and harassing phone calls. \n\nXX/XX/XXXX - Copy of that letter was faxed to them at XXXX as instructed, and still received letters and constant harassing phone calls Called again to no avail.","date_sent_to_company":"2021-06-04T21:06:09.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"334XX","tags":null,"has_narrative":true,"complaint_id":"4432491","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"World Omni Financial Corp.","date_received":"2021-06-04T19:43:07.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem while selling or giving up the vehicle"},"highlight":{"complaint_what_happened":["XX/XX/XXXX - Received a verification from the lease holder, XXXX XXXX  XXXX as Trustee of World <em>Omni</em> LT and Southeast Toyota Finance dba World <em>Omni</em> Financial Corp, that account was paid in full. \n\nSoutheast Toyota Finance dba World <em>Omni</em> Financial Corp continually sends past due notices and harassing phone calls. \n\nXX/XX/XXXX - Copy of that letter was faxed to them at XXXX as instructed, and still received letters and constant harassing phone calls Called again to no avail."],"company":["World <em>Omni</em> Financial Corp."]},"sort":[16.925955,"4432491"]},{"_index":"complaint-public-v1","_id":"3542575","_score":16.92534,"_source":{"product":"Debt collection","complaint_what_happened":"In XX/XX/XXXX I enrolled in XXXX XXXX XXXX. I included a loan with Omni Financial. In XX/XX/XXXX I contacted Omni and made them aware that I enrolled this debt into the program. I also told them that XXXX XXXX would be the point of contact and they would receive information on this in the mail. There have been several phone calls and threats of calling family members that we listed as references. We contacted XXXX to ensure they were going to contact Omni Financial. XXXX told us that they sent them a letter as well as a power of attorney acting on our behalf. Last month we had this conversation with Omni Financial and stated that they were not allowed to contact our references on our account. Today ( XX/XX/XXXX ) Omni attempted to call my house phone, with a private person 's cell number that I did not know. XXXX XXXX XXXX. Then she proceeded to call my mother in law at XXXX. My wife called her back and again, we explained the situation and that this debt is enrolled with XXXX XXXX and that they have been told before not to contact our references. I explained that I was going to contact your agency because this is harassment. We have been in contact with this company from the beginning. They are supposed to communicate with XXXX XXXX.","date_sent_to_company":"2020-02-24T20:18:56.000Z","issue":"Communication tactics","sub_product":"Other debt","zip_code":"230XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3542575","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Siggi LLC","date_received":"2020-02-24T20:08:00.000Z","state":"VA","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["I included a loan with <em>Omni</em> Financial. In XX/XX/XXXX I contacted <em>Omni</em> and made them aware that I enrolled this debt into the program. I also told them that XXXX XXXX would be the point of contact and they would receive information on this in the mail. There have been several phone calls and threats of calling family members that we listed as references. We contacted XXXX to ensure they were going to contact <em>Omni</em> Financial."]},"sort":[16.92534,"3542575"]},{"_index":"complaint-public-v1","_id":"3473105","_score":16.91329,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX Car Dealer ) and World Omni Financial Corp ( Finance Company ) opened a car loan using my personal information. I had no knowledge nor did I authorized XXXX XXXX XXXXf XXXX, Omni Financial Corp or anyone else to use my personal information to attain credit. The the loan was open XX/XX/2017, in the amount of {$25000.00}. I have contacted both XXXX XXXX XXXX   XXXX and Omni Financial Corp. I have explained the issue to both companies numerous times \" That I didn't sign for a vehicle or a car loan ''. I have filed a police report with two different police departments. I have disputed this account two times with all three ( 3 ) Credit Bureaus. XXXX  reinstated my credit score back to XXXX, but XXXX XXXX and XXXX continue to allow my credit to take hits and fall. I have also went on line and file an identity theft report. I have emailed a copy of the police reports, identity theft report and copies of the loan paper to World Omni Financial Corp . I have asked World Omni Financial Corp to investigate this issue and stop reporting bad information to the credit bureaus.","date_sent_to_company":"2019-12-19T07:21:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30135","tags":null,"has_narrative":true,"complaint_id":"3473105","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"World Omni Financial Corp.","date_received":"2019-12-19T07:21:29.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX Car Dealer ) and World <em>Omni</em> Financial Corp ( Finance Company ) opened a car loan using my personal information. I had no knowledge nor did I authorized XXXX XXXX XXXXf XXXX, <em>Omni</em> Financial Corp or anyone else to use my personal information to attain credit. The the loan was open XX/XX/2017, in the amount of {$25000.00}. I have contacted both XXXX XXXX XXXX   XXXX and <em>Omni</em> Financial Corp."],"company":["World <em>Omni</em> Financial Corp."]},"sort":[16.91329,"3473105"]},{"_index":"complaint-public-v1","_id":"16186953","_score":16.857424,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Omni, I am writing regarding account # XXXX and your recent communication, in which you stated : If you decide to escalate to your state attorney generals office, hopefully the documents provided within this letter will allow your legal representative to guide you to the proper legal remedies for your delinquent Omni personal installment closed-end loan # XXXX. \n\nThis statement is a blatant attempt at intimidation and is legally baseless. Attempting to discourage me from contacting regulatory authorities, including the CFPB and state attorney general offices, constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e and 1692f. Any continued attempts to threaten or coerce me are documented and will be treated as evidence of unlawful conduct. \n\nFurthermore, your claim that a debt validation notice was sent on XX/XX/year> is impossible, as the loan was originated on XXXX. This makes the account entirely unverifiable. There is no valid debt, no proper notice, and no legal or factual basis for your threats or reporting. This single error completely invalidates your position and exposes Omni to serious regulatory scrutiny.\n\nOmni has repeatedly failed to verify this account, despite multiple CFPB complaints and at least ten XXXX responses, demonstrating a pattern of repeated unverifiable reporting. Continuing to report this account in any form is not only a violation of FCRA 15 U.S.C. 1681s-2 ( b ), but it also constitutes willful misconduct.\n\nCFPB regulations ( 12 C.F.R. 1022.411022.42 ) require prompt deletion of unverifiable accounts. Failure to comply will result in immediate escalation to the CFPB, state regulatory authorities, and attorney general offices. Given the repeated failures, the impossible timeline, and Omnis intimidation tactics, any continued reporting or threats will be documented as evidence of deliberate, unlawful, and potentially actionable misconduct.\n\nI demand that Omni immediately delete this unverifiable account from all credit reporting agencies and provide written confirmation of deletion within ten business days. Be advised : failure to comply will leave Omni fully exposed to regulatory enforcement actions, fines, and potential legal consequences for violating federal debt collection and credit reporting laws.\n\nOmni has no legal, factual, or regulatory justification to continue reporting this account. Deletion is mandatory, and any continued misconduct will be escalated and fully documented.","date_sent_to_company":"2025-09-25T03:20:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"74006","tags":"Servicemember","has_narrative":true,"complaint_id":"16186953","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CashRepublic Holdings, Inc.","date_received":"2025-09-25T03:08:34.000Z","state":"OK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Be advised : failure to comply will leave <em>Omni</em> fully exposed to regulatory enforcement actions, fines, and potential legal consequences for violating federal debt collection and credit reporting laws.\n\n<em>Omni</em> has no legal, factual, or regulatory justification to continue reporting this account. Deletion is mandatory, and any continued misconduct will be escalated and fully documented."]},"sort":[16.857424,"16186953"]},{"_index":"complaint-public-v1","_id":"18960370","_score":16.818573,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I financed a vehicle through Omni World, which required me to maintain full insurance coverage. My insurer, XXXX, later cancelled my policy following an underwriting review related to a XXXX claim involving an unauthorized driver. The only written correspondence I received from XXXX requested additional information and did not clearly state that failure to return the form would result in policy cancellation, nor did it state that verbal responses were insufficient. I believed the matter had been addressed during a phone call. \n\nThe vehicle was involved in a total loss on XX/XX/XXXX. Following this loss, Omni World did not contact me at any point regarding insurance coverage, the status of the loan, or the collateral. They did not notify me, did not force-place insurance, and did not take steps to secure or salvage the vehicle. \n\nI ultimately initiated contact with Omni World on XX/XX/XXXX after discovering that the vehicle was still reporting on my credit history while attempting to purchase a new car. This was the first indication that the account remained open following the total loss. \n\nDuring subsequent phone calls, Omni World representatives statedon a recorded callthat they do not take any action when insurance lapses on a financed vehicle and that they would not even know if insurance coverage lapses. This indicates a lack of insurance monitoring and failure to mitigate damages related to secured collateral. \n\nAs a result of Omni Worlds inaction, I am now being held fully responsible for a loss that could have been prevented or mitigated had reasonable safeguards been in place. I am requesting regulatory review of Omni Worlds servicing practices, including failure to enforce insurance requirements, failure to protect collateral, failure to notify the borrower, and failure to mitigate damages.","date_sent_to_company":"2026-03-12T14:39:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Loan","zip_code":"27713","tags":null,"has_narrative":true,"complaint_id":"18960370","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"World Omni Financial Corp.","date_received":"2026-01-23T18:17:49.000Z","state":"NC","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["As a result of <em>Omni</em> Worlds inaction, I am now being held fully responsible for a loss that could have been prevented or mitigated had reasonable safeguards been in place. I am requesting regulatory review of <em>Omni</em> Worlds servicing practices, including failure to enforce insurance requirements, failure to protect collateral, failure to notify the borrower, and failure to mitigate damages."],"company":["World <em>Omni</em> Financial Corp."]},"sort":[16.818573,"18960370"]},{"_index":"complaint-public-v1","_id":"16266571","_score":16.80626,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Please be advised that this submission replaces my most recent complaint, as I inadvertently omitted the intended recipient. This complaint is formally directed to senior-level management and compliance at Omni Financial XXXX and all references, evidence, and requests herein are intended for their review. Any prior submissions sent without specifying senior-level escalation should be treated as superseded by this communication. \n\n\n\nI am submitting this formal senior-level demand for the immediate deletion of Omni Personal Installment Loan # XXXX from all credit reporting agencies and internal records. \n\n1. Evidence of Inaccuracy and Unverifiable Reporting Despite multiple detailed CFPB complaints, Omnis front-line staff has repeatedly marked my disputes as duplicates within minutes instead of providing verification. This violates my rights under the Fair Credit Reporting Act ( FCRA 1681i ( a ) ) and proves that Omni can not substantiate the account or any portion of the reported balance. \n\nOmni has admitted in writing that no further information can be provided, further confirming that the account is unverifiable, contradictory, and legally non-compliant. Any further reporting to credit bureaus or to me would be false and arbitrary, leaving deletion as the only lawful option. \n\n2. Specific Evidence Supporting Inaccuracy A. Improper and Discretionary Interest Reporting Omnis XX/XX/XXXX response states {$2500.00} in post-default interest on a {$6100.00} balance. This represents two years of 36 % simple interest instead of the monthly compounding interest required under the contract, as evidenced by : XX/XX/XXXX : {$110.00} added to {$4600.00} {$4800.00} XX/XX/XXXX : {$110.00} added to new balance {$4600.00} XX/XX/XXXX : {$110.00} added to updated balance Post charge-off, Omni switched to simple interest and admitted willingness to waive post-default interest if I pay, proving discretionary, not contractual, balances. \n\nB. Illegal Updates During Active Dispute Omni added new delinquency notations and interest while the account was actively disputed. \n\nThis is a direct violation of FCRA 1681s-2 ( a ). \n\nXXXX Typographical Errors and Non-Authoritative Documents Letters contain multiple errors, including : Debit instead of debt Nonsensical amounts such as XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents Disclaimers stating documents are not authoritative Omni previously claimed a debt validation letter was sent in XXXX, two years before the loan originated in XX/XX/XXXX. This directly undermines credibility. \n\nD. Front-Line Staff Refusal to Provide Verification All requests for : Full loan agreement and repayment schedule Itemized balances, fees, and interest calculations Documentation authorizing post-default interest have been ignored or dismissed as duplicates, proving they can not substantiate the account. \n\nE. Intimidation and Misleading Collection Language Omni repeatedly stated : Payment required immediately Potential credit consequences while refusing to substantiate the account, demonstrating intimidation without verification. \n\n3. Legal and Regulatory Violations FCRA 1681i ( a ) : Failure to conduct a proper reinvestigation.\n\nFCRA 1681s-2 ( a ) : Reporting new delinquency and interest on an account under active dispute.\n\nTruth in Lending / Contract Violations : Switching from compounding to simple interest post-charge-off. \n\nProcedural Credibility Issues : XXXX debt validation claim, typographical errors, and disclaimers indicating non-authoritative documents. \n\nDuplication Abuse : Front-line staff marking valid disputes as duplicates improperly avoids compliance obligations. \n\n4. Conclusion and Formal Demand Omnis reporting of this account is inaccurate, unverifiable, and legally non-compliant. Front-line staff can not substantiate the account, and Omni has admitted no further information exists. Discretionary balances, typographical errors, illegal updates during active disputes, and intimidation tactics further confirm the account is unreliable.\n\nTherefore, I formally demand the immediate deletion of Omni Personal Installment Loan # XXXX from all credit reporting agencies and internal records. \n\nThis demand is not optional, not negotiable, and legally required. Failure to comply will be documented and submitted to regulatory authorities, including the CFPB, for enforcement action.","date_sent_to_company":"2025-09-30T18:35:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"74006","tags":"Servicemember","has_narrative":true,"complaint_id":"16266571","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CashRepublic Holdings, Inc.","date_received":"2025-09-30T18:30:20.000Z","state":"OK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Evidence of Inaccuracy and Unverifiable Reporting Despite multiple detailed CFPB complaints, <em>Omnis</em> front-line staff has repeatedly marked my disputes as duplicates within minutes instead of providing verification. This violates my rights under the Fair Credit Reporting Act ( FCRA 1681i ( a ) ) and proves that <em>Omni</em> can not substantiate the account or any portion of the reported balance."]},"sort":[16.80626,"16266571"]},{"_index":"complaint-public-v1","_id":"12164506","_score":16.799107,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I took out a loan with Omni Financial in XX/XX/year>. After arriving in Louisiana, I submitted a request under the Louisiana SCRA Act. However, Omni Financial has denied my request twice. I am currently at a standstill, as they are not honoring the SCRA protections.","date_sent_to_company":"2025-02-21T21:54:58.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Installment loan","zip_code":"700XX","tags":"Servicemember","has_narrative":true,"complaint_id":"12164506","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CashRepublic Holdings, Inc.","date_received":"2025-02-21T21:43:58.000Z","state":"LA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I took out a loan with <em>Omni</em> Financial in XX/XX/year>. After arriving in Louisiana, I submitted a request under the Louisiana SCRA Act. However, <em>Omni</em> Financial has denied my request twice. I am currently at a standstill, as they are not honoring the SCRA protections."]},"sort":[16.799107,"12164506"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1852,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":0,"key_as_string":"false","doc_count":1003},{"key":1,"key_as_string":"true","doc_count":849}]}},"product":{"doc_count":849,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Vehicle loan or lease","doc_count":341,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":261},{"key":"Lease","doc_count":80}]}},{"key":"Debt collection","doc_count":143,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Auto debt","doc_count":79},{"key":"I do not know","doc_count":23},{"key":"Credit card debt","doc_count":12},{"key":"Payday loan debt","doc_count":11},{"key":"Other debt","doc_count":10},{"key":"Rental 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