Consumer complaint received 2021-10-16
Company: United PanAm Financial Corp.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Fact, XXXX is aware that UNITED AUTO CREDIT is in violation of 15 U.S Code 1605 ( A ), 15 U.S Code 1605 ( A ) ( 1 ), 15 U.S Code 1605 ( A ) ( 2 ), 15 U.S Code 1605 ( A ) ( 3 ), 15 U.S Code 1605 ( A ) ( 4 ), 15 U.S Code 1605 ( A ) ( 5 ), 15 U.S Code 1605 ( B ), 15 U.S Code 1605 ( B ) ( 1 ), 15 U.S Code 1605 ( B ) ( 2 ), 15 U.S Code 1611 ( 1 ), 15 U.S Code 1611 ( 2 ), 15 U.S Code 1662 ( 1 ), 15 U.S Code 1662 ( 2 ), 16 CFR 433.2 ( A ), 16 CFR 433.2 ( B ), 16 CFR 444.3 ( A ) ( 1 ), 16 CFR 444.3 ( A ) ( 2 ), 16 CFR 444.3 ( B ), 16 CFR 444.3 ( C ) : Fact, Affiant is aware The Truth in Lending Act is intended to inform consumers about the cost of credit, Also is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 

Fact, XXXX is aware The Truth In Lending Act 15 USC 1605 States a finance charge which is sum of all charges, I was violated and charged a cash transaction of which should have included tags and plates, which is illegal in any consumer finance charge everything should be included in the finance charge along with insurance should be offered but we werent offered anything. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that UNITED AUTO CREDIT is in violation of 15 usc 1605. A finance charge is the sum of all charges in a consumer credit transaction. UNITED AUTO CREDIT in fact did not include the sum of all charges in the finance charge. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit B that UNITED AUTO CREDIT is in violation of 15 usc 1605. ( a ). This transaction included a finance charge and the finance charge includes insurance which protects the creditor against the obligors loss, and or property damage. UNITED AUTO CREDIT did not include insurance in my finance charge. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A and exhibit B that XXXX XXXX XXXX XXXX is in violation of 15 usc 1611 XXXX XXXX XXXX willfully and knowingly failed to provide/disclose information required under the provision of 15 usc 1601. They are now civilly and criminally liable. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that UNITED AUTO CREDIT is in violation of 15 usc 1662 for arranging and making me pay a down payment when the law states that No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. 
( 2 ) that a specified down payment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges down payments in that amount. 



Fact, XXXX is aware and has proof in attachment labeled as exhibit A that UNITED AUTO CREDIT is in violation of 16 CFR 444.3 - Unfair or deceptive cosigner practices states you must say to cosigner that : You are being asked to guarantee this debt. Think carefully before you do. If the borrower doesn't pay the debt, you will have to. Be sure you can afford to pay if you have to, and that you want to accept this responsibility. You may have to pay up to the full amount of the debt if the borrower does not pay. You may also have to pay late fees or collection costs, which increase this amount. The creditor can collect this debt from you without first trying to collect from the borrower. The creditor can use the same collection methods against you that can be used against the borrower, such as suing you, garnishing your wages, etc. If this debt is ever in default, that fact may become a part of your credit record. This notice is not the contract that makes you liable for the debt. Neither UNITED AUTO CREDIT or XXXX XXXX XXXX XXXX disclose anything pertaining to co-signing. 

Fact, XXXX is aware that UNITED AUTO CREDIT is in violation of 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. states that In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREU is NDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. You failed to do BOTH. 

Every law I mentioned UNITED AUTO CREDIT violated. As per congress UNITED AUTO CREDIT violated us, UNITED AUTO CREDIT is criminal liable pursuant 15 USC 1611 because UNITED AUTO CREDIT willingly knew that they were complying to a credit transaction that is fraud and shall be fined not more than {$5000.00} or imprisoned not more than one year, or both I will be sending a debt validation, notarized affidavit of truth, & A Cease and desist. along with revocation of power of attorney. UNITED AUTO CREDIT will have 10 days to respond from the day they recieved the mail.

Company response to consumer: Closed with explanation