What is the most common complaint against United PanAm Financial Corp.?

The most common issue consumers report about United PanAm Financial Corp. is "Attempts to collect debt not owed", specifically "Attempted to collect wrong amount". This is based on 304 complaints filed with the CFPB.

Are complaints against United PanAm Financial Corp. increasing or decreasing?

Complaints against United PanAm Financial Corp. are rising. The company received 120 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is United PanAm Financial Corp.'s reputation grade?

United PanAm Financial Corp. has a reputation grade of C (score: 59.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does United PanAm Financial Corp. respond to consumer complaints?

United PanAm Financial Corp. has a 96% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does United PanAm Financial Corp. operate?

United PanAm Financial Corp. has received CFPB complaints from consumers in 37 states, with the most complaints from Florida (40 complaints).

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

United PanAm Financial Corp. - Debt Collector Complaint Profile

CFPB complaint profile across 37 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

101
Took or threatened to take negative or legal action

64
False statements or representation

52
Written notification about debt

36
Communication tactics

34
Improper contact or sharing of info

8

Data updated September 2026

CFPB complaint disposition

CCDB record united-panam-financial-corp United PanAm Financial Corp.

Grade C · 304 CFPB filings · 96% timely · lead issue: Attempts to collect debt not owed · vol #393 · compose #2492

VOL 304
GRADE C
12MO 120
STATES 37
TIMELY 96%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #393
COMPOSE #2,492

Volume peers

Nearest volume peer: Quality Asset Recovery LLC (305 complaints)

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

United PanAm Financial Corp.'s 304 CFPB complaints sit next to Quality Asset Recovery LLC 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 →

Distributed filing map

United PanAm Financial Corp. spreads filings across 37 states - Florida leads at only 13.2%

Despite a broad state map, United PanAm Financial Corp. still sits volume #393 against composite #2,492 - the two RankMaps diverge by 2,099 places. Corpus placement method.

Most-even geography: Lead state under 15%; Florida still leads at 13.2% across 37 states
Seasonal peak: 2025-07 12.9%; 8–15% band · 11 filings
Divergent corpus ranks: #393 volume; #2,492 composite; Cleanest-composite ladder is 2,099 places worse than volume

How does United PanAm Financial Corp. compare to its peers?

How does United PanAm Financial Corp. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

United PanAm Financial… National average

Complaints (last 12 mo)lower is better

120

268

Timely-response ratehigher is better

96%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-09 2025-09

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	101
Took or threatened to take negative or legal action	64
False statements or representation	52
Written notification about debt	36
Communication tactics	34
Improper contact or sharing of info	8
Cont'd attempts collect debt not owed	4
Threatened to contact someone or share information improperly	4
Disclosure verification of debt	1

Where do complaints against United PanAm Financial Corp. come from?

United PanAm Financial Corp.'s own per-state count, not a national baseline.

Florida

40
Texas

31
California

24
Georgia

22
North Carolina

17
Pennsylvania

17
Arizona

13
Virginia

12

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for United PanAm Financial Corp.: 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: 304.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 95.81749049429658%.

4 peers

Know your rights before responding to United PanAm Financial Corp.: 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.