Consumer complaint received 2026-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United PanAm Financial Corp.
State: CA

Complaint narrative:
I am submitting this complaint regarding United Auto Credit Corporation ( XXXX ) and the financing/servicing of my XXXX XXXX XXXX XXXX currently under manufacturer review for ongoing safety-related mechanical and drivability concerns. The vehicle has experienced repeated acceleration failures, delayed response while driving, and ongoing system instability concerns that substantially impair the vehicles safe operation and reliability. After purchasing the vehicle through Vroom, I later discovered evidence indicating these same issues existed prior to my purchase and delivery of the vehicle. Additionally, during the delivery process, the vehicle reportedly failed inspection/testing and had to be taken to a XXXX dealership/service center for diagnosis and review before delivery could be completed. Despite these apparent pre-delivery concerns, I was not informed of the severity or ongoing nature of the vehicles mechanical and drivability issues before entering into the financing agreement and taking possession of the vehicle. The vehicle was still under the manufacturers warranty when these ongoing acceleration, drivability, and system instability concerns arose. The seriousness and persistence of these issues resulted in continued manufacturer involvement, inspection, software review, and diagnostic evaluation while the vehicle remained within the applicable warranty period. Based on the vehicle history, repair timeline, and ongoing manufacturer review, it appears these concerns may have been known prior to the sale and delivery of the vehicle. Vroom publicly announced that it halted used vehicle sales operations while its subsidiary, United Auto Credit Corporation ( XXXX ), would continue operating as its automotive finance company. XXXX is the current lien holder/servicing company associated with my account and has been repeatedly informed that the vehicle remains under manufacturer review for unresolved safety-related concerns. The vehicle is currently with the manufacturer/dealer for continued inspection and review. I have proactively communicated this information to XXXX multiple times in writing, and the company previously confirmed my account notes were updated regarding the vehicles status and safety concerns. Despite my continued cooperation and communication, I received aggressive collection communications, including a phone call during which a representative yelled, behaved aggressively, and pressured me regarding payment and release of the vehicle despite the ongoing unresolved safety concerns already documented with the company. During these communications, I was advised that the lien holder wanted the vehicle released despite the unresolved safety concerns currently under manufacturer review. Given the seriousness of the acceleration and drivability issues, I requested written clarification regarding the companys position. I have not concealed the vehicle, ignored communications, or refused to provide updates. I have consistently attempted to communicate in good faith while dealing with a vehicle currently under manufacturer review for potentially serious preexisting safety defects that were not disclosed to me prior to purchase. Additionally, I have incurred substantial transportation expenses due to the vehicles unreliability and inability to be safely operated.

Company response to consumer: Closed with explanation