Consumer complaint received 2022-12-16
Company: United PanAm Financial Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Notice of default United auto credit corporation XXXX. XXXX XXXX XXXX GA XXXX Dear XXXX : XXXX XXXX XXXX XXXX XXXX XXXX RE : ACCOUNT XXXX Notice of default and opportunity to cure 1.Yes XXXX  failed to produce pertinent information A contract is not validation of a debt. pursuant 15 usc 1692g 2. No, I dont want to rescind the retail installment contract and security agreement ( the contract ) ; ( rescind the transaction ) pursuant to 15 usc 1635 and 12 cfr 1026.15 3.Yes, XXXX and conspicuous disclosure was not given on this transaction. pursuant to 15 usc 1602k 4.Yes, XXXX  has violated united states codes . {$6000.00} for down payment 15 usc 1605 finance charge is sum of all charges and 15 usc 1662 down payment is illegal 15 usc 1640 {$28000.00} is the double the finance charge and a refund of all monthly payment made to the account and the title to the vehicle lien free. 
Pursuant to 15 usc 1611 criminal liability for willful and knowing violation 5.Yes, I will file a lawsuit if XXXX does not meet my demands Regarding your first allegation, please refer to the attached response dated XX/XX/2022, sent to you to the address above ( the response ) as the document within this response validate the debt owed to XXXX. 
As I said before, a contract does not constitute validation of a debt ( this is not allegation ) Concerning you second and third allegations, please be advise that that the contract can not be cancelled unilaterally, nor do you have the ability to unilaterally modify any of it terms. Additionally, XXXX  records indicate that on XX/XX/2022, you signed the contract, which shows that you agree to make 60 monthly payments on the XXXX of each month beginning XX/XX/2022. All the term were clearly state in the contract ; by signing it, you accepted the term of the contract. 
Ok yes, I signed your contract ( fraudulent ) unknowingly not overstanding what I was signing. clear and concise disclosure was not provided to me during this transaction. ( question ) where you there when this transaction was taking place. do you have first-hand knowledge of this transaction when it was taking place. Can you prove that the terms were clearly stated. Was there a meeting of the minds in signing the contract. Were there two consenting parties signing the contract As it relates to your fourth and fifth allegations, please understand that as an indirect lender, uacc does not receive any down payment proceeds. The down payment was paid directly to XXXX XXXX  ( the dealer ) therefore, any down payment refund requests need to be addressed with the dealer. Please be advise that compensation is not owed to you. XXXX refute your statement that it violates many united states codes as XXXX  has acted in accordance with all terms outlined in the contract you signed. Should you hire an attorney, please provide your attorneys contact information so that XXXX can communicate with him or her directly You said you didnt violate united states codes please provide me I can prove you violated united states codes can you prove you didnt? 
Can you provide specific information that you didnt violate united states code Is this contract with XXXX  or XXXX XXXX  You have the obligation to get that down payment XXXX and present it to me. 
As per united states code you owe me compensation for violation of federal law And you answer to my claim was not favorable to me so I will make good on my promise and since you prone to breaking the law. 
XXXX XXXX v united auto credit corporation Am not asking you to change anything but to do the right thing Am not hiring an attorney you can talk to me just like you would the attorney By the way what is your name?

Yours truly

Company response to consumer: Closed with explanation