CFPB Consumer Complaint Profile
United PanAm Financial Corp.
Behind the 1,428 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 1,428
- Total complaints
- Among the highest
- 524
- Last 12 months
- 96.3%
- Timely response
- Below median
- 45
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, United PanAm Financial Corp. sits at #264, with 1,428 complaints logged. Its on-time response rate is 96.3%, the 35th percentile among companies with 100+ complaints.
- #264
- of 3,843 companies by volume
- 96.3%
- on time (35th pctile)
- Credit reporting or …
- most-complained product
- 45
- states with complaints
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.
United PanAm Financial Corp. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
96.3% Around the middle higher than 35% 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 230 in 2024 to 483 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 7 |
| 2014 | 21 |
| 2015 | 18 |
| 2016 | 29 |
| 2017 | 40 |
| 2018 | 51 |
| 2019 | 35 |
| 2020 | 48 |
| 2021 | 94 |
| 2022 | 99 |
| 2023 | 142 |
| 2024 | 230 |
| 2025 | 483 |
| 2026year in progress | 131 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for United PanAm Financial Corp.
1,428 complaints against United PanAm Financial Corp. appear in the CFPB record, including 524 from the trailing year. The 45 states and territories represented put this footprint in nationwide territory. No product draws more complaints than "Credit reporting or other personal consumer reports," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Improper use of your report" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Within the Bureau's 15-day response window, United PanAm Financial Corp. posts a 96.3% reply rate on forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Consumers formally disputed the company's response at a 5.7% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 7% closed with some form of monetary or non-monetary relief to the consumer.
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 United PanAm Financial Corp. have?
The CFPB has logged 1,428 complaints against United PanAm Financial Corp. to date, of which 524 came in over the last 12 months.
Does United PanAm Financial Corp. respond to complaints on time?
CFPB complaints against United PanAm Financial Corp. draw a 96.3% timely-response rate inside the expected window. This is considered excellent.
What product generates the most complaints for United PanAm Financial Corp.?
"Credit reporting or other personal consumer reports" draws more CFPB complaints against United PanAm Financial Corp. than any other product - see the full breakdown above.
What is the most common complaint issue with United PanAm Financial Corp.?
The most common issue reported by consumers about United PanAm Financial Corp. is "Improper use of your report." All complaint issues are listed above with their counts.
How do I file a complaint against United PanAm Financial Corp.?
You can file a complaint against United PanAm Financial Corp. 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 United PanAm Financial Corp.?
The CFPB has recorded complaints against United PanAm Financial Corp. from 45 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for United PanAm Financial Corp.: 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 complaint volume
Nearest companies by total CFPB complaint count (1,428 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (5.7% here).
Also handles Credit reporting or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.