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

CFPB complaint data Grade C 304 complaints

United PanAm Financial Corp. - Debt Collector Complaint Profile

CFPB complaint profile across 37 states, reputation grade C.

Complaints by issue type

What consumers report about United PanAm Financial Corp.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 61.6/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: United PanAm Financial Corp. ranks ahead of 48% of the 5,283 collectors PlainCollector grades - 52% keep a cleaner CFPB record, on 304 all-time complaints and a 96% timely-response rate.

48th pct
reputation rank of 5,283 graded collectors
304
CFPB complaints, all-time
96%
answered inside the CFPB window
120
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about United PanAm Financial Corp.?

United PanAm Financial Corp. has accumulated 304 total CFPB complaints across 37 states, with 120 filed in the most recent 12 months against 184 historical complaints before that window. The trailing-12-month volume represents 39.5% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Attempted to collect wrong amount". The company posts a 96% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 37 states, led by Florida with 40 and Texas with 31. Normalized against the full CFPB collector database, the reputation score of 61.6/100 places United PanAm Financial Corp. in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

304

mid-volume (CCDB)

Last 12 months

120

39.5% of all-time complaints

Rising ↑

States active

37

multi-region footprint

Timely response rate

96%

excellent band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

C

61.6/100 composite

How does United PanAm Financial Corp.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

62 48th percentile higher than 48% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

United PanAm Financial Corp. versus the debt-collection vertical average.

Timely response within SLA 95.8%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 0.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 66.1%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
United PanAm Financial… National average
Complaints (last 12 mo)lower is better
120
44
268
Timely-response ratehigher is better
96%
96%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-09 2025-09

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against United PanAm Financial Corp.

Across 37 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if United PanAm Financial Corp. contacts you

A grade of C signals how United PanAm Financial Corp.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really United PanAm Financial Corp. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how United PanAm Financial Corp. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 61.6/100), 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).

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

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.