CFPB Consumer Complaint Profile
Pan Am Collections, Inc.
What 22 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 22
- Total complaints
- Mid-range
- 0
- Last 12 months
- 77.3%
- Timely response
- Bottom decile
- 7
- States affected
The verdict
Pan Am Collections, Inc. ranks #2732 of 3,843 financial companies by CFPB complaint volume, with 22 complaints on record. On-time replies land at 77.3%, the 8th percentile for the 100+ complaint peer group.
- #2732
- of 3,843 companies by volume
- 77.3%
- on time (8th pctile)
- Debt collection
- most-complained product
- 7
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Pan Am Collections, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
77.3% Among the lowest higher than 8% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2014 | 3 |
| 2015 | 2 |
| 2016 | 2 |
| 2017 | 8 |
| 2018 | 5 |
| 2019 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Pan Am Collections, Inc.
22 complaints against Pan Am Collections, Inc. appear in the CFPB record, including 0 from the trailing year. The 7 states and territories represented put this footprint in geographically concentrated territory. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Communication tactics," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against Pan Am Collections, Inc. draw a 77.3% reply rate inside the Bureau's 15-day window. That trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. Consumers formally disputed the company's response at a 11.1% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, the consumer-relief closure rate is 13.6%.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Pan Am Collections, Inc. have?
The CFPB has logged 22 complaints against Pan Am Collections, Inc. to date, of which 0 came in over the last 12 months.
Does Pan Am Collections, Inc. respond to complaints on time?
CFPB complaints against Pan Am Collections, Inc. draw a 77.3% timely-response rate inside the expected window. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Pan Am Collections, Inc.?
Among all products tied to Pan Am Collections, Inc., "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Pan Am Collections, Inc.?
Consumers most often cite "Communication tactics" when complaining about Pan Am Collections, Inc.; the full issue list with counts is above.
How do I file a complaint against Pan Am Collections, Inc.?
You can file a complaint against Pan Am Collections, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Pan Am Collections, Inc.?
Pan Am Collections, Inc. has drawn CFPB complaints from 7 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Pan Am Collections, Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (11.1% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Pan Am Collections, Inc. have?
The CFPB has logged 22 complaints against Pan Am Collections, Inc. to date, of which 0 came in over the last 12 months.
Does Pan Am Collections, Inc. respond to complaints on time?
CFPB complaints against Pan Am Collections, Inc. draw a 77.3% timely-response rate inside the expected window. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Pan Am Collections, Inc.?
Among all products tied to Pan Am Collections, Inc., "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Pan Am Collections, Inc.?
Consumers most often cite "Communication tactics" when complaining about Pan Am Collections, Inc.; the full issue list with counts is above.
How do I file a complaint against Pan Am Collections, Inc.?
You can file a complaint against Pan Am Collections, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Pan Am Collections, Inc.?
Pan Am Collections, Inc. has drawn CFPB complaints from 7 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.