Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United PanAm Financial Corp.
State: IN

Complaint narrative:
Here is the * * full Word-formatted text * * from your PDF, cleaned up so you can * * copy and paste directly into a Word document * * with correct spacing and formatting : -- - * * CEASE AND DESIST NOTICE * * * * From : * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX Indiana XXXX XXXX : ( XXXX ) XXXX Email : [ XXXX ] ( XXXX : XXXX ) * * Date : XXXX XXXX ____________________ * * To : * * Customer Credit Department United Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX * Subject : * * Cease and Desist Fraudulent Misrepresentation and Unlawful Contract Practices * * Legal References : * * 25 CFR 11.417, 18 U.S.C. 1033, and 15 U.S.C. 16011662 Dear Customer Credit Department, This letter serves as a formal Cease and Desist notice regarding fraudulent and deceptive actions connected to my vehicle purchase contract. Your records falsely claim that I provided a {$4000.00} down payment, when in fact I paid * * {$1300.00} * * using my XXXX XXXX debit card on the date of purchase. This payment was processed as a cash transaction, not credit, and I have full proof of payment. 

Additionally, XXXX insurance was added to my contract without my full consent or adequate disclosure, constituting a deceptive financial practice. The sale and inclusion of optional add-on products such as XXXX insurance under misleading conditions are expressly prohibited under both federal and state consumer protection laws. 

Your conduct violates the following : * * * 25 CFR 11.417 * * Fraud ; obtaining property by false pretenses.

* * * 18 U.S.C. 1033 * * Fraud and false statements involving financial transactions or insurance.

* * * 15 U.S.C. 16011662 ( Truth in Lending Act ) * * Requiring accurate disclosure of credit terms, down payment amounts, and prohibiting deceptive credit practices.

Under * * 15 U.S.C. 1638 ( a ) ( 8 ) * *, the down payment must be accurately disclosed in the total sale price, and under * * 15 U.S.C. 1662 * *, it is unlawful to record or advertise a down payment amount that does not reflect the actual payment made by the consumer. Therefore, listing {$4000.00} when only {$1300.00} was paid is a material misrepresentation that invalidates the financial integrity of the agreement. 

Accordingly, I hereby demand the following actions be taken immediately : 1. Cease and desist from any collection, repossession, or enforcement related to this disputed contract. 
2. Cancel the contract in full due to fraudulent misrepresentation and unlawful financial disclosure. 
3. Refund my full down payment of * * {$1300.00} * * paid via XXXX XXXX debit card. 
4. Release and transfer the vehicle title to my name immediately and free of any encumbrance. 

You are given * * ten ( XXXX ) business days * * from receipt of this notice to provide written confirmation of the above actions. Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX  Attorney Generals Consumer Protection Division, and may lead to civil legal action for fraud and violation of federal consumer law. 

This notice is issued in good faith and in the interest of lawful resolution. Please direct all correspondence regarding this matter * * in writing only * *. 

Sincerely, -- - XXXX XXXX

Company response to consumer: Closed with explanation