Consumer complaint received 2026-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
This complaint concerns repossession activity that occurred while an ongoing written dispute regarding the origination and servicing of this auto loan remained unresolved. On XX/XX/XXXX, a Retail Installment Contract was executed for the purchase of a XXXX XXXX XXXX XXXX financed through United Auto Credit Corporation. The contract reflects a {$3500.00} down payment. Questions later arose regarding the accuracy of the down payment amount reflected in the financing documents and the documentation submitted by the selling dealer in connection with the loan approval. The vehicle was primarily used by the co-borrower, XXXX XXXX, who represented that he would maintain payments, insurance, and maintenance. Over time it became clear that payments were not being made consistently and that the vehicle was being operated without proper insurance coverage. As the co-borrower failed to meet these obligations, I attempted to stabilize the situation and prevent additional harm to my credit while seeking clarification from the lender regarding the loan origination. Throughout XXXX I submitted multiple complaints through the Consumer Financial Protection Bureau requesting documentation from United Auto Credit regarding the loan origination file, dealer documentation, and confirmation of the down payment referenced in the contract. United Auto Credit responded that the lender does not collect down payments and that such issues must be addressed with the dealer, XXXX XXXX XXXX XXXX However, the lender relied upon the dealers documentation when approving and funding the loan. Because these issues remained unresolved, I began submitting formal written disputes directly to United Auto Credit requesting records related to the loan origination and servicing of the account. These certified written disputes requested the complete origination file, payment ledger, account servicing notes, and documentation verifying the down payment reflected in the contract. On XX/XX/XXXX, I sent a second certified written dispute requesting this documentation and confirmation that the account was marked as disputed while the investigation was pending. During this period the vehicle remained at my residence and was not concealed. I maintained possession of the vehicle while awaiting documentation and attempting to resolve the account. Despite the existence of an active written dispute and ongoing documentation requests, repossession activity subsequently occurred. At the time of filing this complaint I have not received any written repossession notice, post-repossession notice, or documentation explaining the repossession authorization, the repossession contractor involved, or the specific account event that triggered the repossession order. Based on communications occurring at the time, the co-borrower was aware that I was attempting to resolve the account and had provided him with a written proposal for addressing the situation and restoring good faith with the lender. While indicating that he would review this proposal, the co-borrower appears to have contacted parties involved in repossession activity without notifying me. The repossession contractor believed to be involved was XXXX XXXX located in XXXX XXXX. I have requested confirmation from United Auto Credit regarding whether any communication was received from the co-borrower or any third party regarding the location of the vehicle or requesting repossession activity. United Auto Credit had more than a year during which repossession could have occurred while the vehicle was in the co-borrowers possession. The repossession instead occurred while the vehicle was at my residence and while the account remained under active written dispute. In addition to the unresolved documentation issues, I incurred financial harm associated with this situation. These costs include recovering the vehicle from impound, replacing tires necessary to keep the vehicle operable, toll charges associated with the vehicle while it was being used by the co-borrower, and damage to my consumer credit profile. As a result of the negative reporting associated with this loan, I also lost access to a XXXX credit account that had previously been in good standing. I am requesting that United Auto Credit provide the following documentation : The complete loan origination file and dealer deal jacket Documentation verifying the {$3500.00} down payment listed in the contract The full account payment ledger and servicing notes Documentation authorizing repossession and identifying the repossession contractor Confirmation of any communications received from the co-borrower or third parties regarding repossession Confirmation that the account was properly marked as disputed during the period my certified disputes were submitted This complaint reflects a continuation of an ongoing dispute regarding the origination and servicing of this loan, now compounded by repossession activity that occurred before these documentation requests were addressed.

Company response to consumer: Closed with explanation