I set an automatic and was never explained to me when I opted to enroll in it that it takes several billing cycles to become active was never explained to me when I opted to enroll in it. This oversight and poor customer service experience has resulted in two missed payments and a negative impact on my credit rating. At no time during the previous billing cycles was I informed that my payments were past due, nor that I was delinquent. When I spoke to customer service representatives about this oversight I was told that I was contacted but I have no phone records, electronic correspondence, or physical correspondence. They keep lying and said they called me. World Omni Finance "Southeast Toyota" have the worst customer service