Consumer complaint received 2024-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United PanAm Financial Corp.
State: PA

Complaint narrative:
I am writing to formally file a complaint concerning several significant issues with my account, including inaccuracies in reported information and unauthorized disclosure of my personal data. I believe my rights have been violated under various applicable laws and regulations. 

1. Inaccurate Information on Account I have identified discrepancies in the reported amount due on my account. The details are as follows : Total Amount Due : {$1100.00} Payment Due Date : XX/XX/year>2024 Breakdown of Charges : Regular Monthly Payment : {$350.00} Late Fees : {$30.00} Past Due : {$740.00} Other Charges : {$15.00} Additionally, a finance charge is being assessed on my account despite having already paid interest as stipulated in the consumer agreement. 

2. Payoff Balance The current payoff balance details are : Payoff Amount : {$13000.00} Good Through Date : XX/XX/year>2024 Breakdown : Principal Balance : {$11000.00} Unpaid Late/NSF Fees : {$30.00} Other Unpaid Amounts : {$15.00} Finance Charge : {$1500.00} ( Accruing at {$7.00} per day ) 3. Unauthorized Disclosure of Personal Information My personal information was disclosed to a third party without my consent. Furthermore, this third party subsequently shared my information with a fourth party, with whom I have no contractual relationship. This unauthorized disclosure constitutes a violation of my privacy rights. 

4. Regulatory Violations The issues with my account and the unauthorized disclosure of my information may violate the following regulations : Commerce and Trade ( 12 PA.C.S. ) - Motor Vehicle Sales Finance Act and Goods and Services Installment Sales Act Fair Credit Reporting Act ( FCRA ) and Regulation V : Section 623 : Requires furnishers to provide accurate information to consumer reporting agencies ( CRAs ) and investigate disputes regarding inaccuracies.

Regulation V : Mandates that furnishers establish and implement reasonable policies and procedures to ensure the accuracy and integrity of consumer information reported to CRAs.

5. Electronic Signature Acknowledgment I have an Electronic Signature Acknowledgment related to this account that was not signed. I did not have a full understanding of what I was reading, and I do not recall signing any paperwork. This omission affects the validity of the agreement and complicates the discrepancies noted. Please review this matter and provide guidance on how this impacts my complaint and the resolution process.

Requested Actions : Conduct a thorough investigation into the inaccuracies and unauthorized disclosures.

Implement corrective actions to address the discrepancies and unauthorized disclosure of my personal data.

Provide clarification and resolution regarding the discrepancies in the charges on my account.

Offer guidance on the impact of the unsigned Electronic Signature Acknowledgment on my account and complaint.

Thank you for your attention to this matter. I look forward to your prompt response and resolution

Company response to consumer: Closed with explanation