Consumer complaint received 2025-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: United PanAm Financial Corp.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone : XXXX Vroom XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, Floor XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX Subject : Formal Allegations of Illegal Down Payment Charges, Harassment, and Intimidation Dear Vroom, I, XXXX XXXX XXXX, an Indigenous man made in the image of the Most High, who is sovereign in my own right under natural law and the laws of the United States of America, hereby submit this formal complaint concerning the illegal down payment charges, as well as the subsequent harassment and intimidation I have faced via email and other communications from Vroom XXXX XXXX. 

Allegations and Legal Grounds 1. Illegal Down Payment Charge It has come to my attention that Vroom has unlawfully charged me an illegal down payment, which I consider a violation of my rights under UCC 9-102 ( a ) ( 23 ) ( Uniform Commercial Code ), which classifies the vehicle in question as a consumer good. Consumer goods are exempt from certain commercial registration mandates, and any undue payment requirements, including illegal down payments, are an infringement on my rights. Such unlawful charges constitute financial extortion and a violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). 
2. Harassment and Intimidation Following the illegal down payment charge, I have received numerous emails and other communications from Vroom that can only be characterized as harassment and intimidation. These communications contain threats of financial and legal consequences if I fail to pay what is considered an unjust and unlawful down payment. Such actions constitute a direct violation of 18 U.S.C. 1341 ( Mail Fraud ) and 15 U.S.C. 1692 ( Fair Debt Collection Practices Act ), which prohibit deceptive and coercive practices in the collection of payments. The use of mail and electronic communications to make fraudulent claims or intimidate consumers is illegal, and I demand that Vroom cease such activities immediately. 
3. Misleading and Deceptive Practices Vrooms communication has included statements designed to mislead and deceive me into making an illegal payment. These deceptive practices violate 31 U.S.C. 3729 ( False Claims Act ), as Vroom is attempting to collect on a financial claim that lacks legal foundation. It is further compounded by their failure to provide substantiating evidence that justifies their demand for such payments. 
4. Sovereign Rights and Legal Position As an Indigenous man made in the image of the Most High, I assert my sovereignty under the laws of the United States of America and natural law. I do not operate as a corporate entity, a person, or a legal fiction. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ) decision clearly establishes that American citizens are sovereign and should be treated as such by government entities and corporations, including Vroom. Therefore, I can not be coerced into making unlawful payments under any circumstance. I also reference 28 USC 2007, which states that all debts on this land are abolished, which further reinforces the illegality of any payment demand on a loan or charge that has been paid in full. 
5. Request for Evidence I formally request that Vroom provide clear and lawful evidence substantiating their claim that I owed or owe any outstanding amount or that the down payment charge is valid. If Vroom is unable to produce such evidence, I demand that all claims against me be immediately withdrawn, and all communications related to this matter cease.

6. Violation of Consumer Protection Laws Vrooms actions are a direct violation of multiple federal and state consumer protection laws, including but not limited to : Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) : Prohibits unfair debt collection practices.

Mail Fraud ( 18 U.S.C. 1341 ) : Criminalizes the use of mail for fraudulent schemes.

False Claims Act ( 31 U.S.C. 3729 ) : Prohibits the submission of false claims for financial gain. 
Sovereignty and Natural Law : Affirmed under XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and 28 USC 2007, abolishing debts. 

Additional Information I have previously communicated with your team via email and phone calls, informing you that the actions taken, particularly the down payment charge, were illegal. However, due to ongoing health issues, I was unable to respond to this matter as swiftly as I would have liked. I respectfully request that this context be considered in light of the circumstances. Despite these challenges, I have made every effort to address this issue in accordance with the law and expect a fair and just resolution. 

Requested Actions and Resolution 1. Immediate Cessation of HarassmeXXXX : I request that all forms of communicationwhether via email, mail, or phone callscease immediately, and that you confirm in writing that no further action will be taken on this matter. 
2. Refund of Unlawful Charges : Should any illegal down payment charges have been processed, I demand an immediate refund in full.

3. Correction of Records : If any claims of unpaid debts or financial obligations are listed on my credit history or any other records, I request that these be corrected to reflect the accurate and lawful status of this matter.

4. Public Apology and Internal Review : I request that Vroom issue a public apology acknowledging the unlawful charges and review your internal practices to prevent future violations of consumer rights. 
XXXX. Legal Action for Violations : If the above steps are not satisfactorily addressed, I will not hesitate to pursue all available legal remedies, including reporting your actions to the Consumer Financial Protection Bureau ( CFPB ) and filing formal complaints for mail fraud, financial extortion, and deceptive practices under federal law. 

Conclusion Vrooms actions are unlawful, deceptive, and in violation of federal consumer protection laws. I demand that all unlawful charges be refunded, harassment cease immediately, and that Vroom provide clear, lawful evidence substantiating any claims of outstanding debt. If these demands are not met promptly, I will pursue all necessary legal actions, including further escalation with the appropriate regulatory agencies. 

Please contact me at the phone number or email address listed above if additional information is required. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation