CFPB · Slower timely-response band
United PanAm Financial Corp.
1.6K CFPB complaints · 96.4% timely (slow band) · top issue Improper use of your report.
United PanAm Financial Corp. answers 96.4% on time (lower third) across 1.6K filings. Relief 6.3% · top product Credit reporting or other personal consumer reports. Allegations, not findings.
- Volume rank #259 of 342
- Slower timely-response band
- +3985.7% filings 2013 to 2026
CFPB relief outcome brief
CCDB company united-panam-financial-corp
6.3% relief · 96.4% timely · 1.6K filings · Credit reporting or other personal consumer reports
Same-product relief peers
Nearest relief peer: Insikt, Inc. (6.3% relief)
United PanAm Financial Corp. closes 6.3% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of United PanAm Financial Corp.'s 1.6K filings include narrative text
41.7% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
United PanAm Financial Corp. complaint mix by product
- Credit reporting 548 34.8% – 0% relief
- Vehicle loan 451 28.6% – 4% relief
- Debt collection 302 19.2% – 6% relief
- Credit reporting, 201 12.8% – 12% relief
- Consumer Loan 64 4.1% – 61% relief
- Payday loan, 5 0.3% – 0% relief
- Payday loan, 4 0.3% – 0% relief
Lighter-volume mix: how United PanAm Financial Corp.'s 1.6K complaints split across CFPB product categories. Resolution badge = % closed with relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit reporting or other personal consumer reports | 548 |
| Vehicle loan or lease | 451 |
| Debt collection | 302 |
| Credit reporting, credit repair services, or other personal consumer reports | 201 |
| Consumer Loan | 64 |
| Payday loan, title loan, or personal loan | 5 |
| Payday loan, title loan, personal loan, or advance loan | 4 |
| Credit card or prepaid card | 3 |
| Checking or savings account | 3 |
| Credit card | 1 |
| Debt or credit management | 1 |
| Credit reporting | 1 |
Nationwide filing states for United PanAm Financial Corp.
Top states by attributed volume, lighter-filing company
- Leading state
- FL
- 16.3% of this company's filings
United PanAm Financial Corp. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 286
- +3985.7% vs 2013
Top States
| State | Complaints |
|---|---|
| FL | 258 |
| TX | 182 |
| GA | 150 |
| CA | 103 |
| PA | 90 |
| NJ | 58 |
| OH | 54 |
| VA | 51 |
| NC | 51 |
| MD | 47 |
| IL | 46 |
| AL | 44 |
| NY | 44 |
| AZ | 38 |
| SC | 36 |
| MO | 31 |
| TN | 30 |
| IN | 26 |
| LA | 26 |
| NV | 23 |
Top Issues
| Issue | Complaints |
|---|---|
| Improper use of your report | 323 |
| Incorrect information on your report | 316 |
| Managing the loan or lease | 137 |
| Repossession | 110 |
| Problem with a company's investigation into an existing problem | 102 |
| Attempts to collect debt not owed | 101 |
| Getting a loan or lease | 66 |
| Struggling to pay your loan | 66 |
| Took or threatened to take negative or legal action | 63 |
| False statements or representation | 52 |
| Problem with a credit reporting company's investigation into an existing problem | 50 |
| Problems at the end of the loan or lease | 40 |
| Written notification about debt | 35 |
| Communication tactics | 34 |
| Problems when you are unable to pay | 29 |
| Credit monitoring or identity theft protection services | 10 |
| Improper contact or sharing of info | 8 |
| Taking out the loan or lease | 8 |
| Fraud or scam | 5 |
| Threatened to contact someone or share information improperly | 4 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 7 | 100% |
| 2014 | 21 | 100% |
| 2015 | 18 | 100% |
| 2016 | 29 | 86.2% |
| 2017 | 40 | 97.5% |
| 2018 | 51 | 98% |
| 2019 | 35 | 100% |
| 2020 | 48 | 97.9% |
| 2021 | 94 | 98.9% |
| 2022 | 99 | 99% |
| 2023 | 142 | 100% |
| 2024 | 230 | 96.5% |
| 2025 | 484 | 93.8% |
| 2026 | 286 | 96.5% |
Source: CFPB Consumer Complaint Database
United PanAm Financial Corp. in the slower-timely third
United PanAm Financial Corp.'s 1,584 logged complaints reach a nationwide footprint - 47 states have at least one filing. 41.7% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2026-06-26. Timely response 96.4% sits in the lower third of the corpus.
United PanAm Financial Corp. answers 96.4% of complaints inside the CFPB's tracked window (timely band: slow) and closes 6.3% with relief; 93.1% close with a written explanation. Consumers disputed 0% of responses after the company replied. Top product "Credit reporting or other personal consumer reports" · top issue "Improper use of your report."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about United PanAm Financial Corp..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for United PanAm Financial Corp.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 1.6K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 96.4%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for United PanAm Financial Corp. (#259 of 342; 96.4% timely; 6.3% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Slower timely-response band