What is the most common complaint against Pan Am Collections, Inc.?

The most common issue consumers report about Pan Am Collections, Inc. is "Communication tactics", specifically "Debt was paid". This is based on 22 complaints filed with the CFPB.

Are complaints against Pan Am Collections, Inc. increasing or decreasing?

Complaints against Pan Am Collections, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Pan Am Collections, Inc.'s reputation grade?

Pan Am Collections, Inc. has a reputation grade of C (score: 58.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Pan Am Collections, Inc. respond to consumer complaints?

Pan Am Collections, Inc. has a 77% timely response rate to CFPB complaints. Consumers disputed the company's response in 11% of cases.

In how many states does Pan Am Collections, Inc. operate?

Pan Am Collections, Inc. has received CFPB complaints from consumers in 7 states, with the most complaints from Illinois (10 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Pan Am Collections, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 7 states, reputation grade C.

Compiled by PlainCollector

Communication tactics

6
Attempts to collect debt not owed

4
Cont'd attempts collect debt not owed

4
False statements or representation

2
Threatened to contact someone or share information improperly

2
Improper contact or sharing of info

2

Data updated September 2026

CFPB complaint disposition

CCDB record pan-am-collections-inc Pan Am Collections, Inc.

Grade C · 22 CFPB filings · 77% timely · lead issue: Communication tactics · vol #1813 · compose #2596

VOL 22
GRADE C
12MO 0
STATES 7
TIMELY 77%
DISPUTE 11%
ISSUE Communication tactics
RANK #1,813
COMPOSE #2,596

Volume peers

Nearest volume peer: Abrahamsen Ratchford, P.C (22 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Pan Am Collections, Inc.'s 22 CFPB complaints sit next to Abrahamsen Ratchford, P.C on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

45.5% of Pan Am Collections, Inc.'s CFPB filings land in Illinois

High volume does not equal a clean composite: Pan Am Collections, Inc. is volume #1,813 but composite #2,596, while Illinois dominates the geography. Corpus placement method.

Dominant state: Illinois 45.5%; 10 of 22 filings · 7 states touched
Spike month: 2022-07 18.2%; 2 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #1,813 volume; #2,596 composite; Cleanest-composite ladder is 783 places worse than volume

How does Pan Am Collections, Inc. compare to its peers?

How does Pan Am Collections, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Pan Am Collections, In… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

77%

95%

91%

Consumer-dispute ratelower is better

11%

25%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2020-06 2025-01

Issue Detail Breakdown

Issue	Complaints
Communication tactics	6
Attempts to collect debt not owed	4
Cont'd attempts collect debt not owed	4
False statements or representation	2
Threatened to contact someone or share information improperly	2
Improper contact or sharing of info	2
Written notification about debt	1
Taking/threatening an illegal action	1

Where do complaints against Pan Am Collections, Inc. come from?

Pan Am Collections, Inc.'s own per-state count, not a national baseline.

Illinois

10
Florida

4
Indiana

3
Pennsylvania

2
California

1
Kentucky

1
Texas

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Pan Am Collections, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 22.

4 peers

Know your rights before responding to Pan Am Collections, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.