Consumer complaint received 2025-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: United PanAm Financial Corp.
State: WA

Complaint narrative:
Hello my name is XXXX XXXX, and I purchased a vehicle from XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WA XXXX on XX/XX/XXXX. I was very happy with the initial service I did receive from the dealership with their willingness to get me into a vehicle. I did purchase a XXXX XXXX XXXX XXXX from the dealership that day, and drove away with key in hand. I was happy with my purchase but started to experience issued not even XXXX after purchasing the vehicle. 
I did contact my salesman ( XX/XX/XXXX ) and let him know that I was having issues with the vehicle driving rough, I didnt think too much of it since it was an older car and that was normal. I just wanted to let them know about it to see if they could possibly take a look at it. I ended up bringing it in and they said there was nothing wrong with my car and that is a XXXX and that is just how they drive. I also contacted my salesmen on XX/XX/XXXX about the vehicles temperature gage not reading correctly, or my car not heating up correctly and still having shifting issued between XXXX and XXXX gear and vibrating hard at idle speeds as well. My car when I was going between 30-40MPh, my RPMs would be at 2,000 and that is not right for only a XXXX vehicle, then it would kick into gear and I would be going 50-60 MPH all of a sudden. There was an issue with the engine exhaust coming through the air vents on a cold start in the morning, a giant safety hazard as well in the vehicle. I was told that the vibrating on my car w3as due to bad transmission mounts on the vehicle. Nothing was ever done about this. On XX/XX/XXXX I contacted my salesman yet again regarding the bent key I received when I purchased the vehicle, I could not start my car and the ignition would not turn over. I expressed concern about this when I did purchase the vehicle, and they didnt offer to replace it, just gave me a card for someone that can duplicate keys not helpful at all. When I texted my salesmen, I did mention the exhaust coming through the air vents and my RPMS dropping and fluxuating when the heat is on and expressed concern not feeling safe driving the car anymore. I got a response of we can look at all the options when you are here on Tuesday. I had an appointment with their shop at the location on XX/XX/XXXX. 
They looked at my vehicle and STILL stated nothing was wrong, made me pay {$100.00} out of pocket for the Diagnostics fee and I was not happy about that. I ended up contacting them again and asking to speak to a manager or someone higher at the dealership and io got to speak to a ( XXXX If I remember correctly that is his name ) and he wanted to go on XXXX XXXX with me in the car to identify the issues I was still having. Upon going on the drive, he did see all the issues I was stating and ended up refunding me the {$100.00} diagnostics fee and getting someone to cut me a brand-new key free of charge for the car. I greatly appreciated that but nothing was ever done to fix my car. At this point, I felt like my car was a loss cause so I just delt with the issues it was having. Fast forward to XX/XX/XXXX I was driving my car and my whole vehicle shut off in traffic! No responses from the gas petal, could not shift, nothing. I contacted XXXX and let them know and the response I got was use the warranty on your car which was NO help what so ever for a SERIOUS safety issue! I ended up filing a complaint with the XXXX and the XXXX office to see if I could get my {$3500.00} deposit back to try and fix my car so it would be safe to drive. I got a reply form the XXXX XXXX of the company stating to use my warranty to fix my car. I disagreed with the reply and asked for the {$3500.00} back and call it even at this point. The business never responded and the claim was closed. I contacted the XXXX XXXX XXXX dealership in the XXXX XXXX XXXX to schedule a diagnostic on my car and they told me to be safe driving because that is unacceptable. I scheduled a diagnostic but they lost my appointment, so I did end up taking it to XXXX XXXX XXXX XXXX in XXXX WA XXXX XX/XX/XXXX for a full diagnostic and to utilize my warranty on my car to see what was wrong. I let them know about all the issues I have listed above, and express great safety concern for me about driving it. They did know that I have a warranty through AUL for powertrain that I was FORCED to purchase when I bought the car in XXXX, although I declined the coverage. 
The dealership had my vehicle for 7 days and they found {$3200.00} in damages to my car! When the service department called AUL, they started that I was not given the right coverage on my car to fix all the issues on it. ( gaskets and seals was not selected on the warranty coverage ) I was so frustrated at this point I ended up going to the XXXX XXXX location in XXXX and was kicked out of the office for running my mouth on social media and discrediting their business. I was trying to explain to them what I just found out about my car and I got told I frankly dont give a XXXX go use your warranty and get out I tried to explain that I tried to use my warranty and I got told again I dont give a XXXX I left no issues at all and went home. I ended up purchasing a new vehicle and currently in the process of a voluntary repo on my XXXX since there is no fixing it at this point and is not safe to drive. Now, I am trying to file a lemon law appeal and requesting all my payments made on the vehicle and the down payment to be refunded to me since I was put in a vehicle that was not safe to drive and the dealership neglected to take care of any of my needs and safety concerns either. I have attached text conversations, all the paperwork when I purchased the vehicle, and the diagnostics report form the XXXX dealership as well for evidence in this case. 
Thank you for taking the time to read this and considering taking on this complaint/case If you need any further information, please do not hesitate to reach out to me!

Company response to consumer: Closed with explanation