Consumer complaint received 2024-08-20
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: United PanAm Financial Corp. (AZ)

XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, WY XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX, CA XXXX Mailing XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  CA XXXX Subject : Notice of Void and Null Contract Due to Forged Signature and Legal Violations To Whom It May Concern, I am writing to formally notify you that the contract associated with my purchase of a vehicle, dated XX/XX/year>, and currently in the possession of United Auto Credit, is null and void. I never signed the contract in question, and the signature that appears on it is a forgery. 
I conducted this transaction with XXXX XXXX XXXX XXXX. The dealership took my money, had me sign an approval, and then asked for my payment. They provided me with copies of the transaction documents, including the contract, but they never asked me to sign that contract. Therefore, the contract is void. 
I have a copy of my original contract, and I can confirm that I was never asked to sign, nor did I sign, the specific document in question. It is evident that either the dealership or United Auto Credit has forged my signature. I will be mailing a copy of my original contract as further evidence. 
Due to the fraudulent nature of the signature, I consider this contract to be invalid and unenforceable. The actions taken by your company, based on this forged document, are therefore without legal merit. I request that you cease all attempts to collect any payments or enforce any obligations under this fraudulent contract immediately. 
The act of forging my signature is a serious legal violation, and I would like to outline the specific laws that have been breached : 1. Forgery ( 18 U.S.C. 471-473 ; State Laws ) : Forging a signature on a legal document with the intent to deceive is a criminal offense under both federal and state laws. 
2. Fraud ( 18 U.S.C. 1341 ; State Laws ) : The intentional act of misrepresenting a documents authenticity by forging a signature constitutes fraud, which can lead to both civil and criminal liability.

3. Identity Theft ( 18 U.S.C. 1028 ) : The unauthorized use of my personal information, including my signature, to commit fraud is classified as identity theft under federal law.

4. Breach of Contract : A contract that includes a forged signature is considered void and unenforceable, as it lacks the genuine consent of all parties involved. 
XXXX. Unfair and Deceptive Acts and Practices ( UDAP ) : Under state consumer protection laws, forging a signature to enforce a contract is considered an unfair and deceptive practice.

6. Civil Liability for Damages : The party responsible for forging my signature may be held civilly liable for damages resulting from this fraudulent contract, including compensatory damages, punitive damages, and legal fees.

7. False Pretenses ( State Laws ) : Forgery may also be classified as obtaining something of value through intentional misrepresentation, which is a serious criminal offense.

Given the gravity of these violations, I demand the immediate return of all funds paid under the assumption of this fraudulent agreement and the release of any and all claims or liens against the vehicle in question.