Consumer complaint received 2025-04-28 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: GA

Complaint narrative:
I am filing a formal complaint against United Auto Credit Corporation due to a series of fraudulent actions and violations of consumer rights in connection with an auto loan and related contract. Below are the specific issues : XXXX. Unlawful Retention of Payments : United Auto Credit Corporation unlawfully retained a {$4000.00} down payment that I provided for a vehicle purchase. Despite my multiple requests for a refund or appropriate application of the funds, I have not received any refund or resolution. 
In addition to this down payment, they retained all payments of {$670.00} I made as part of the monthly installment agreement, without providing a valid reason or contract justification for doing so. 

XXXX. Fraudulent and Deceptive Contract Terms : United Auto Credit Corporation engaged in deceptive practices by adding GAP insurance to the contract without my consent and without providing adequate disclosures as required under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ). 
They misrepresented the terms of the contract, including the total cost of the loan, by including unauthorized fees and insurance premiums. 

XXXX. Illegal Credit Reporting ( Identity Theft ) : United Auto Credit Corporation illegally placed a trade line on my credit report without my consent. This fraudulent activity constitutes identity theft and violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). 
Their actions have damaged my credit and are part of an ongoing effort to manipulate and distort my credit history for their gain. 

XXXX. Bait and Switch Scheme : United Auto Credit Corporation used bait-and-switch tactics by initially offering one set of loan terms and then altering those terms after I agreed to the contract. The final contract I received was far different from what was initially presented to me. 

XXXX. Violation of Georgia Consumer Protection Laws : The actions of United Auto Credit Corporation also violate the Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 et seq. ), which prohibits deceptive and unfair trade practices.

Their failure to honor the agreed-upon terms, misrepresentation of contract terms, and unlawful retention of funds all constitute violations under Georgia state law. 

XXXX. Theft by Deception : The actions of United Auto Credit Corporation are also in violation of Georgias Theft by Deception statute ( O.C.G.A. 16-8-3 ), as they unlawfully kept my funds and provided no legitimate reason for doing so. 
XXXX. Attempted Illegal Repossession of the Vehicle : United Auto Credit Corporation attempted to illegally repossess the vehicle under the fraudulent contract. This action was in direct violation of both the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) and state laws governing repossession procedures. 
They attempted to enforce an invalid contract, despite the fact that the contract was obtained through deceptive means and was never legally binding. 

XXXX. Violation of Georgia Consumer Protection Laws : The actions of United Auto Credit Corporation violate the Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 et seq. ), which prohibits deceptive and unfair trade practices.

Their actions also violate O.C.G.A. 16-8-3, relating to theft by deception, as they unlawfully retained my funds and attempted to repossess the vehicle illegally. 
am filing a formal complaint against United Auto Credit Corporation due to a series of fraudulent actions and violations of consumer rights related to an auto loan and its associated contract. Below are the specific issues : 1. Unlawful Retention of Payments : United Auto Credit Corporation unlawfully retained my {$4000.00} down payment without providing any valid reason or refund, despite multiple requests for a resolution. 
Additionally, they unlawfully kept all payments of {$670.00} I made toward the loan without justification or proper application of the payments. 

XXXX. Fraudulent and Deceptive Contract Terms : United Auto Credit Corporation added GAP insurance to my contract without my consent or proper disclosure, violating the Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ). 
The company misrepresented the terms of the loan, including hidden fees and unauthorized insurance premiums. 

XXXX. Illegal Credit Reporting ( Identity Theft ) : United Auto Credit Corporation placed a fraudulent trade line on my credit report without my knowledge or consent, violating the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and engaging in identity theft. 

XXXX. Bait and Switch Scheme : United Auto Credit Corporation used bait-and-switch tactics by initially offering one set of loan terms, only to change those terms after I had agreed to the contract. The final contract I received included terms that were vastly different from what was initially presented. 

XXXX. Attempted Illegal Repossession of the Vehicle : United Auto Credit Corporation attempted to illegally repossess the vehicle under the fraudulent contract. This action violated both the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) and state laws governing repossession procedures. 
They tried to enforce an invalid contract, despite the fact that the contract was obtained through deceptive means and was never legally binding. 

XXXX. Violation of Georgia Consumer Protection Laws : The actions of United Auto Credit Corporation violate the Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 et seq. ), which prohibits deceptive and unfair trade practices.

Their actions also violate O.C.G.A. 16-8-3, relating to theft by deception, as they unlawfully retained my funds and attempted to repossess the vehicle illegally.

Company response to consumer: Closed with explanation