Vehicle loan or lease -- Managing the loan or lease -- Complaint #5710662
Complaint Overview
Complaint ID: 5710662
Company: United Panam Financial CORP.
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Managing the loan or lease
Sub-Issue: Billing problem
State: Illinois
ZIP Code: 60443
Date Received: 2022-06-26T12:00:00-05:00
Date Sent to Company: 2022-06-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX UNITED AUTO CREDIT CORPORATION received E.F.T. to setoff & discharge alleged debt for XXXX XXXX XXXX XXXX vehicle. Pursuant to 12 CFR 1026.13 - Billing error resolution. On XX/XX/XXXX, I was scheduled to close on an auto loan transaction with the business entity, UNITED AUTO CREDIT CORPORATION at address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. My payment was accepted and successfully added to the ledger/bookkeeping and the account was paid-in full. As of XX/XX/XXXX, the Trustees, UNITED AUTO CREDIT CORPORATION, reopened account and reapplied another alleged debt, and refused to return payment " untouched '' that was sent via USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX Affidavit of Fact and Conditional Acceptance was also sent all secured parties involved in this " cash transaction '' .The Trustees have continued and failed to perform their duties as Trustees of the XXXXXXXX XXXX XXXX for XXXX XXXX XXXX. A certificate of live birth ( certificate of title ) is a bond that evidences title held by the XXXX XXXX XXXX ( XXXX ). The issuer has a legal title ; you have an equitable title up until you partner up to share an equitable title with the United States. XXXX creates the XXXX XXXX XXXX which is surety for the Vessel. The Vessel is the body and evidenced on the application by length, weight, and footprints. A body manifested into the sea of commerce. The beneficiary is supposed to be Me, Myself, and I. But the XXXX XXXX XXXX ( XXXX ) is at XXXX XXXX XXXXXXXX XXXX XXXX XXXX and operates both the public and the private side. Under XXXX XXXX XXXX Laws 18 U.S.C. 1964 as corporations may have established a pattern of racketeering activity by using mail to collect an unlawful debt. If proven there is a conspiracy to deprive of property without due process is various constitutional violations under 18 U.S.C.A. 241. Knowledge and neglect to prevent a United States Constitutional wrong. 31 U.S.C. 5118 ( d ) 2 None can ask for payment in a specific coin. 31 U.S.C. 3123 There is no money, so no one can demand payment... the United States will discharge debt dollar for dollar. XXXX : XXXX, XXXX Conditional Acceptance of your Offer of Refusal of Payment-
Frequently Asked Questions
What is Complaint #5710662 about?
Complaint #5710662 was filed against United Panam Financial CORP. regarding Vehicle loan or lease specifically about Managing the loan or lease. It was received by the CFPB on 2022-06-26T12:00:00-05:00.
How did United Panam Financial CORP. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Vehicle loan or lease) and describe your issue in detail.
Can I see other complaints against United Panam Financial CORP.?
Yes, visit the United Panam Financial CORP. company profile at readthecomplaint.com/company/united-panam-financial-corp to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.