Consumer complaint received 2025-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, This letter serves as a formal and final demand for immediate repossession of the XXXX XXXX XXXX XXXX under the Retail Installment Contract associated with CFPB Case No. XXXX. I am also disputing your misrepresentation of my legal role on this account, as recently outlined in your written response to the CFPB. 

1. Misrepresentation of My Role In your written response dated XX/XX/XXXX, you state that I am a co-buyer and therefore equally liable. However : I was never informed nor agreed to be a co-buyer. 

I understood and acted in the capacity of a co-signer to assist the primary borrower, XXXX XXXX. 

You failed to provide a Notice to Cosigner, which is required under federal law. 

I am requesting immediate delivery of the original, timestamped contract that shows my signature and how my role was designated. I never knowingly or willingly accepted full ownership of the vehicle. 

If such documentation does not exist or shows otherwise this will be further escalated as a case of misrepresentation, failure to disclose, and potential fraud. 

2. Contradictory Statements About Voluntary Surrender Your CFPB response claims that on XX/XX/XXXX, XXXX XXXX contacted you to initiate a voluntary surrender. However, in a recorded phone call after that date, your representative told me he had not called. This contradiction raises serious concerns about : The accuracy of your internal communication The truthfulness of your correspondence Whether you are deliberately obstructing the surrender process 3. Ongoing Negligence and Harm Let me be clear : I called on XX/XX/XXXX to request voluntary surrender. i called the day I went to pick up the car. I recorded the call. 

I paid nearly {$1000.00} to recover the vehicle from impound solely to facilitate your retrieval. 

The vehicle is not in use and remains parked. 

I have repeatedly asked you to pick up the truck, and you have failed to act, despite being notified formally. 

Your delay has caused unjust financial damage and continued interest accrual. As of today, this constitutes a pattern of negligence, bad faith, and potential credit reporting abuse. 

DEMAND I demand the following, in writing, within 5 business days : Immediate scheduling of vehicle retrieval and repossession. 

A copy of the original signed contract with date, time, and my signature. 

Written explanation of why contradictory information about XXXX contact was provided. 

Confirmation that my role will be re-evaluated given lack of proper cosigner notice and consent. 

If these are not received, I will escalate this matter to : The Consumer Financial Protection Bureau ( updated ) The Federal Trade Commission Legal counsel, including press and media coverage of this situation Possible class action investigation for improper co-signer procedures PICK UP THIS CAR> I HAVE NEVER DRIVEN THIS CAR> LITERALLY. 

Sincerely, XXXX XXXX Investigative Journalist Would you like this form

Company response to consumer: Closed with explanation