2026 data Public-data reference. official source

United PanAm Financial Corp.

1.2K consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.

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1.2K consumer complaints filed with the CFPB

This profile shows United PanAm Financial Corp.'s complaint history from CFPB public records. 1,210 consumers have filed complaints since 2013. The company has a 96.5% timely response rate and has provided relief in 7.5% of cases.

1.2K
Total Complaints
96.5%
Timely Response
0.4%
Disputed
7.5%
Relief Provided
44
States Active
2013
Since

Total complaints

1.2K

Filed since 2013

Timely response

96.5%

CFPB-tracked response window

Relief rate

7.5%

Closed with monetary or non-monetary relief

Timely response rate 96.5%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 7.5%
Industry median

Share closed with monetary or non-monetary relief.

United PanAm Financial Corp. complaint mix by product

Total complaints: 1.2K

United PanAm Financial Corp. complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 1.2K total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Credit reporting: 422 complaints (35.1%), resolution 0.0% Credit reporting 35.1% Vehicle loan: 331 complaints (27.5%), resolution 4.5% Vehicle loan 27.5% Debt collection: 221 complaints (18.4%), resolution 8.1% Debt collection 18.4% Credit reporting,: 161 complaints (13.4%), resolution 13.0% Credit reporting, 13.4% Consumer Loan: 59 complaints (4.9%), resolution 61.0% Payday loan,: 5 complaints (0.4%), resolution 0.0% Credit card: 3 complaints (0.2%), resolution 0.0%
  • Credit reporting 422 35.1% – 0% relief
  • Vehicle loan 331 27.5% – 5% relief
  • Debt collection 221 18.4% – 8% relief
  • Credit reporting, 161 13.4% – 13% relief
  • Consumer Loan 59 4.9% – 61% relief
  • Payday loan, 5 0.4% – 0% relief
  • Credit card 3 0.2% – 0% relief

How United PanAm Financial Corp.'s 1.2K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.

Complaints by Product

Product Complaints
Credit reporting or other personal consumer reports 422
Vehicle loan or lease 331
Debt collection 221
Credit reporting, credit repair services, or other personal consumer reports 161
Consumer Loan 59
Payday loan, title loan, or personal loan 5
Credit card or prepaid card 3
Checking or savings account 3
Payday loan, title loan, personal loan, or advance loan 3
Debt or credit management 1
Credit reporting 1

Top States

State Complaints
FL 182
TX 129
GA 108
CA 86
PA 71
NC 45
NJ 41
OH 41
VA 38
MD 38
IL 37
NY 35
AL 33
AZ 31
SC 28
MO 25
TN 24
MI 22
MA 21
LA 20

Top Issues

Issue Complaints
Improper use of your report 257
Incorrect information on your report 237
Managing the loan or lease 106
Repossession 82
Attempts to collect debt not owed 74
Problem with a company's investigation into an existing problem 72
Struggling to pay your loan 51
Problem with a credit reporting company's investigation into an existing problem 47
Took or threatened to take negative or legal action 45
Getting a loan or lease 45
False statements or representation 34
Communication tactics 28
Problems when you are unable to pay 27
Problems at the end of the loan or lease 27
Written notification about debt 25
Credit monitoring or identity theft protection services 9
Improper contact or sharing of info 7
Taking out the loan or lease 6
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 15 100%
2016 26 88.5%
2017 37 97.3%
2018 48 97.9%
2019 25 100%
2020 39 97.4%
2021 80 100%
2022 75 98.7%
2023 116 100%
2024 183 98.4%
2025 367 93.7%
2026 171 94.7%

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the CFPB Record Shows About United PanAm Financial Corp.

United PanAm Financial Corp. has accumulated 1,210 consumer complaints in the CFPB public database, with filings active across 44 U.S. states. Of those submissions, 376 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to 2013, and the most recent logged activity is 2026-04-09, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, United PanAm Financial Corp. reports a 96.5% timely-response rate and has closed 92% of cases with a written explanation to the consumer. 7.5% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0.4% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Credit reporting or other personal consumer reports", and the single most common underlying issue is "Improper use of your report".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating United PanAm Financial Corp.: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.

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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.

Frequently Asked Questions

How many CFPB complaints does United PanAm Financial Corp. have?

United PanAm Financial Corp. has received 1,210 consumer complaints filed with the Consumer Financial Protection Bureau.

Does United PanAm Financial Corp. respond to complaints on time?

United PanAm Financial Corp. has a 96.5% timely response rate to CFPB complaints.

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

The most common issue reported against United PanAm Financial Corp. is "Improper use of your report" in the "Credit reporting or other personal consumer reports" product category.

Read our methodology — how this data is sourced, computed, and verified.

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