Consumer complaint received 2019-12-07
Company: United PanAm Financial Corp.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
XX/XX/XXXX i inquired about a XXXX XXXX advertised on offerup for XXXX. I submitted pre-approval application per salespersons advisement- was told i was approved with payments under {$300.00} a month. It was getting late but salesmen reassured me i could leave with vehicle if i drove down there that night. I had a friend take me right away. Contract signed i {$500.00} down that night & {$500.00} to be withdrawn in 2 weeks. I could not take car home because i could not add the vehicle to my insurance that night so dealership agreed to deliver vehicle to my work the next morning after i submit proof of insurance coverage. I got a ride to work from same friend- added insurance coverage on the commute to work & emailed it right away to delearship. Hours went by, i messaged them a few times, & finally at apprx XXXX XXXX the vehicle was delivered. On XX/XX/XXXX i was contacted by dealership stating i needed to go down there & sign some more forms to finalize the contract. I wasnt aware contract wasnt finalized so i did not go down there. Then i received another message stating the bank doesnt like XXXX 's & wont do the deal. I responded stating i was approved for XXXX thats over the amount financed for the vehicle and they need to figure it out. Then, Saturday morning came & a family memeber listed as a refernce showed up @ my door stating the dealership called everyone listed as a reference ( 10 people ) telling them they called the car in stolen and i will be charged with grand theft auto if i do not return it. I contacted them right away & was completely horrified they'd do that. I had no choice but to take the vehicle back apparently. I went straight there and they started proposing 3 other vehicles that banks 'like '. I told them i am not interested in a different vehicle & they need to make the XXXX work. They said i would need to put another XXXX down to stay with the XXXX. I could not do that and i was in a vulnerable position as i needed a vehicle to leave with. They showed me 3 vehicle 1 being a XXXX XXXX they offered me {$700.00} trade in value for a XXXX XXXX i had that i asked to trade in on the XXXX but they wouldnt. And i would only pay another {$400.00} cash vs the {$500.00} that was scheduled to be withdrawn on XX/XX/XXXX. I informed them the XXXX had a {$500.00} title loan so that would need to be paid off leaving {$200.00} toward down ( total of {$1100.00} ) + they offered to apply a 1 time discount of of {$700.00} value toward bank fee 's. Somehow my payment doubled to {$420.00} a month AND it was due at the beginning of the month when i specifically requested the 3rd week of month on the XXXX loan so that it wouldnt fall on the same check my rent is paid with. I was contacted by the loan company United Auto at  my work informing me i was late for my payment. I stated i hadnt received a payment book or anything yet & i had even called into dealership asking them about this and they told me i would receive it in the mail and i couldnt pay the payment until my next check because i paid rent. They said they do not offer a grace period and they may have to make a business decision. My next check comes in & i plan to make the payment on their website. XXXX contacts me via message & i informed him i was making payment the next day. Also verbalized my financial dilemma with the payment date and he advised me to call the loan company. I told him i did and they said they wont change the date. He said he will see what he can do when he gets to work. I texted him proof of payment. THEN i get a message from this same bully finance guy stating the loan company isnt doing the loan because i didnt make payment. I told him i did make it and sent him the conversation with the other guy from dealership. An hour or so goes by and my brother calls me telling me a guy named XXXX ( same bully guy ) called and told him they reported the car as stolen and i better bring it back before i catch a felony charge. I immediately messaged the other guy i had been in contact with and i was told XXXX will not contact me again and they are sorry for his actions. This all happened on XX/XX/XXXX. Then XX/XX/XXXX i receive a message from XXXX stating the loan company they went through decided to not do the loan so he needed me to go in to resign some papers. At this point i was completely confused and had no interest in signing a different loan so i informed him i will be there when i get off work with the vehicle. Showed up & requested my money back for down payment & value of my trade in as i agree to cancel this loan and am not interested in working out another one. This guy refused that and threatened me that its a volunteer repossession and im not getting a dime back. As i was removing my belongings from vehicle XXXX called loan company on speaker phone and was told by company it is 100 % a buy back. XXXX stated i guess i was misinformed. I handed vehicle keys over along with a written statement outlining the events and with a request for {$1700.00} back by that Friday. I revoked the payment of {$430.00} made on XXXX with my bank & it was refunded to me on XX/XX/XXXX. On XX/XX/XXXX i contacted loan company to find out what the hold up is in issuing the refund because they cancelled the loan and was told he see 's an active account and the dealership needs to pay them back the $ $ first. The dealership continues to tell me im not getting anything back and the car was a repossession. I submitted a complaint with Attorney Generals office which is still being investigated. I disputed the auto loan on my credit report and that was completed on XXXX stating credit company agrees to remove the account as it was cancelled. THEN today i received a 'reassignment of contract ' letter from loan company stating they have 'reassigned contract back to original seller ' & i need to contact them for any further communication. My contract states it may not be amended or altered in any way unless made in writing AND dually executed by you and us. I did not agree to anything but the loan companies decision to cancel the loan. I sent XXXX anscreen shot of that part of contract & he responded with 'you esigned it last night with the lender '. I responded with no i did not and i requested his bankers license # because he thereatened me last night stating 'he can do the loan because he has a bankers license '. I told him i didnt care if he could, he didnt do the loan. 

They are still refusing to give me my {$1700.00} back & have caused me a real finincial hardship over all this. Oh and instead of paying the loan off on my trade in they just ordered a duplicate title online because the title was at the titlw loan place. This is fraudulent i believe.

Company response to consumer: Closed with explanation