This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade C 247 complaints

World Omni Financial Corp. - Debt Collector Complaint Profile

CFPB complaint profile across 19 states, reputation grade C.

Complaints by issue type

What consumers report about World Omni Financial Corp.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 61.0/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: World Omni Financial Corp. ranks ahead of 46% of the 5,283 collectors PlainCollector grades - 54% keep a cleaner CFPB record, on 247 all-time complaints and a 100% timely-response rate.

46th pct
reputation rank of 5,283 graded collectors
247
CFPB complaints, all-time
100%
answered inside the CFPB window
85
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about World Omni Financial Corp.?

World Omni Financial Corp. has accumulated 247 total CFPB complaints across 19 states, with 85 filed in the most recent 12 months against 162 historical complaints before that window. The trailing-12-month volume represents 34.4% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Threatened or suggested your credit would be damaged". The company posts a 100% timely-response rate against a 9% consumer-dispute-after-response rate.

Complaints have been recorded across 19 states, led by Florida with 110 and Georgia with 59. Normalized against the full CFPB collector database, the reputation score of 61.0/100 places World Omni Financial Corp. in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

247

mid-volume (CCDB)

Last 12 months

85

34.4% of all-time complaints

Rising ↑

States active

19

regional footprint

Timely response rate

100%

excellent band

Consumer disputes

9%

low (vertical avg ~19%)

Reputation grade

C

61.0/100 composite

How does World Omni Financial Corp.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

61 46th percentile higher than 46% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

World Omni Financial Corp. versus the debt-collection vertical average.

Timely response within SLA 99.5%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 9.1%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 33.9%

Share of US states + territories with at least one filed complaint against this collector.

How does World Omni Financial Corp. compare to its peers?

How does World Omni Financial Corp. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
World Omni Financial C… National average
Complaints (last 12 mo)lower is better
85
0
268
Timely-response ratehigher is better
100%
98%
91%
Consumer-dispute ratelower is better
9%
24%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-03 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 89
Took or threatened to take negative or legal action - 61
False statements or representation - 34
Written notification about debt - 30
Communication tactics - 25
Disclosure verification of debt - 2
Improper contact or sharing of info - 2
Electronic communications - 2
Cont'd attempts collect debt not owed - 1
Threatened to contact someone or share information improperly - 1

Where do complaints against World Omni Financial Corp. come from?

World Omni Financial Corp.'s own per-state count, not a national baseline.

Top states by complaints against World Omni Financial Corp.

Across 19 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if World Omni Financial Corp. contacts you

A grade of C signals how World Omni Financial Corp.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really World Omni Financial Corp. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how World Omni Financial Corp. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against World Omni Financial Corp.? ▼

The most common issue consumers report about World Omni Financial Corp. is "Attempts to collect debt not owed", specifically "Threatened or suggested your credit would be damaged". This is based on 247 complaints filed with the CFPB.

Are complaints against World Omni Financial Corp. increasing or decreasing? ▼

Complaints against World Omni Financial Corp. are rising. The company received 85 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is World Omni Financial Corp.'s reputation grade? ▼

World Omni Financial Corp. has a reputation grade of C (score: 61.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does World Omni Financial Corp. respond to consumer complaints? ▼

World Omni Financial Corp. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 9% of cases.

In how many states does World Omni Financial Corp. operate? ▼

World Omni Financial Corp. has received CFPB complaints from consumers in 19 states, with the most complaints from Florida (110 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.