Total CFPB complaints
263
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 263 complaints
United PanAm Financial Corp. — Debt Collector Complaint Profile
CFPB complaint profile across 36 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about United PanAm Financial Corp.
- Attempts to collect debt not owed
Attempts to collect debt not owed
85 complaints
- False statements or representation
False statements or representation
44 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
39 complaints
- Written notification about debt 31
Written notification about debt
31 complaints
- Communication tactics 21
Communication tactics
21 complaints
- Improper contact or sharing of info 5
Improper contact or sharing of info
5 complaints
C
Grade C · 61.6/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about United PanAm Financial Corp.?
United PanAm Financial Corp. has accumulated 263 total CFPB complaints across 36 states, with 110 filed in the most recent 12 months against 153 historical complaints before that window. The trailing-12-month volume represents 41.8% 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 "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 96% timely-response rate against a 0% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 36 states, led by Florida with 32 and Texas with 23, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 61.6/100 places United PanAm Financial Corp. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
110
41.8% of total history
Rising ↑
States active
36
Distinct state filings
Timely response rate
96%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
C
61.6/100 composite
Response-quality profile
How United PanAm Financial Corp. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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 64.3%
Share of US states + territories with at least one filed complaint against this collector.
How does United PanAm Financial Corp. compare to its peers?
United PanAm Financial… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-03 2026-03
Top Consumer Issues
False statements or representation44 (%)
Attempts to collect debt not owed85 (%)
Took or threatened to take negative or legal action39 (%)
Written notification about debt31 (%)
Communication tactics21 (%)
Improper contact or sharing of info5 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 44 |
| Attempts to collect debt not owed | Debt is not yours | 42 |
| Attempts to collect debt not owed | Debt was result of identity theft | 31 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 31 |
| Written notification about debt | Didn't receive enough information to verify debt | 21 |
| Communication tactics | Frequent or repeated calls | 21 |
| Attempts to collect debt not owed | Debt was paid | 12 |
| Written notification about debt | Didn't receive notice of right to dispute | 10 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 8 |
| Improper contact or sharing of info | Talked to a third party about my debt | 5 |
Where do complaints against United PanAm Financial Corp. come from?
The states where consumers have filed the most CFPB complaints against United PanAm Financial Corp.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against United PanAm Financial Corp.
Across 36 states with at least one filing
- Florida
Florida
32 complaints
- Texas
Texas
23 complaints
- California
California
22 complaints
- Georgia
Georgia
18 complaints
- North Carolina
North Carolina
16 complaints
- Pennsylvania
Pennsylvania
16 complaints
- Arizona
Arizona
13 complaints
- Virginia 11
Virginia
11 complaints
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 "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 263 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 110 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). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 36 states, with the most complaints from Florida (32 complaints).
What can I do if United PanAm Financial Corp. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If United PanAm Financial Corp. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |