Consumer complaint received 2018-04-29
Company: United PanAm Financial Corp.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
On XX/XX/XXXX I made a purchase of a XXXX XXXX XXXX through XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX, NE XXXX. I put a down payment of {$1500.00} towards the purchase of vehicle. The dealer approved my auto loan application with agreed down payment of initially {$1000.00} for XXXX XXXX XXXX XXXX XXXX XXXX SUV. During the paperwork process I advised the Dealer XXXX that I was in the process of transferring with my current employer XXXX to Arizona. As soon as I advised him of this information he immediately denied my in house financing application without any further explanation or reason. As a result the contracts were shredded and XXXX introduced me to the XXXX XXXX XXXX and the option to finance through XXXX XXXX XXXX. During my test drive the vehicle seemed fine. Upon completion of paperwork which had to be completed a second time as XXXX had provided inaccurate numbers on the figures for me to sign on Bill of Sale. The original paperwork was only reflecting a {$500.00} down payment. After I pointed this out and advised that I would not sign, XXXX and the Manager began speaking in their native language as I was not able to understand communication. They provided a corrected bill of sale with appropriate down payment reflecting {$1500.00} and finance amount of approximately {$7500.00} for a 24 month loan. On the following day XX/XX/XXXX I called XXXX advising him that the check engine light, 4x4 light and VSC light were all on at the same time. I took the vehicle back up to the dealership to only discover that the hood mechanism was broken. XXXX was able to hook a small device to reset the codes and advised it wasn't a big deal. At this moment XXXX advised that once XXXX XXXX XXXX calls during their " Welcoming Call ' to not disclose any issues with the vehicle and to state that I had no issues at the dealer. I probed as to why and XXXX simply stated that if I didn't answer correctly that they would not approve the loan. Against my better judgment and being under duress I followed directions provided as I had a sense of urgency to finance a vehicle that would be operable for my move to AZ. I had previously returned two unsafe vehicles prior to this purchase with another dealership. 

On XX/XX/XXXX I called the dealership to provide my address to have title/registration mailed to me and XXXX began yelling at me saying " Why didn't you bring the vehicle by before leaving! This is not what we agreed on! '' I advised XXXX I did not appreciate the unprofessionalism and tone he was using and explained that I was unaware of any agreement that required me to bring in the vehicle prior to moving to AZ. As a result the conversation went awry. 

On XX/XX/XXXX I contacted the dealer to provide my address for receipt of Title and was advised it was being mailed out the following business day. 

On XX/XX/XXXX I followed up on the status of title being mailed. I spoke with XXXX and he stated he mailed it out and I should receive it. 

On XX/XX/XXXX I followed up on the status of title being mailed or possible returned as I had not received anything in the mail. 

On XX/XX/XXXX I contacted the dealership again and was given the run around stating that it was in the mail. 

On XX/XX/XXXX I contacted the dealership and spoke with the Owner expressing my concerns with not receiving the title and my temporary tags expiring. I advised that I was concerned about living in a new state with expired tags. The owner mumbled a response and stated " Oh I understand, I don't know why you didn't get the title '' and hung up on me. 

At this point I have no understanding of what is going on with the title, If it were ever mailed out, has prior lien or salvaged. From the unethical practices and original discriminatory denial I am requesting the contract with XXXX XXXX XXXX and XXXX XXXX XXXX be nulled and voided as the contract is in breach. 

I have made multiple attempts to resolve issue without any outcome.

Company response to consumer: Closed with explanation