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.
- 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 →
Response Quality Score
United PanAm Financial Corp. scores strongest on timely response (94/100 percentile-benchmarked) and weakest on relief provided (29/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
29 / 100 percentile-benchmarked
6.3% of complaints closed with relief to the consumer
Timely response
94 / 100 percentile-benchmarked
96.4% of complaints answered inside the CFPB 15-day window
Closed with explanation
87 / 100 percentile-benchmarked
93.1% of complaints closed with an explanation to the consumer
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
Volume vs. relief
Where United PanAm Financial Corp. sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, United PanAm Financial Corp. files more complaint volume than 24% of them, and closes complaints with relief more often than 60% of them, placing it in the quadrant for lower volume, above-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 1,584 · Closed with relief: 6.3%
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