Credit bureau · complaint record
United PanAm Financial complaints
Filed under United PanAm Financial Corp.
Consumers have filed 1,723 complaints about United PanAm Financial since 2013, 494 of them in the last 12 months (+9% on the year before). It answered 96.8% on time and closed 0% with relief for the customer - less often than a typical credit bureau. The most common problem is incorrect information on your report. It is the 44th most complained-about of 566 credit bureaus & report companies this year.
Weak response record. How it works
- Complaints on record
- 1,723
- Last 12 months
- 494
- Answered on time
- 96.8%
- Closed with relief
- 0%
- Last 30 days
- 16
- Rank
- #44 of 566
Since September 2013
+9% vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Nov 12, 2026
Most complained-about credit bureaus & report companies
United PanAm Financial complaints by month
The busiest month was March 2026 (65 complaints). Complaints in the last 12 months are about level, 0% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How United PanAm Financial answered last 12 months
- Closed with explanation49399.8%
- In progress10.2%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time30/4596.8% on time
- Relief for customers0/400% closed with relief
- Complaint trend9/15+9% vs last year
What United PanAm Financial complaints are about
Top United PanAm Financial problems last 12 months
Inside "Incorrect information on your report"
- Account information incorrect 141
- Information belongs to someone else 113
- Account status incorrect 80
- Old information reappears or never goes away 13
- Information is missing that should be on the report 11
- Public record information inaccurate 2
Where United PanAm Financial complaints come from
Most complaints: Florida (287), Texas (195), Georgia (159), California (115), Pennsylvania (97).
United PanAm Financial compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | BMW Financial ServicesCredit reporting | 42 | 589 | D |
| 2 | First Technology Federal Credit UnionCredit reporting | 59 | 562 | C |
| 3 | VW CreditCredit reporting | 65 | 559 | B |
| 4 | Ava FinanceCredit reporting | 26 | 555 | F |
| 5 | United PanAm FinancialCredit reporting | 39 | 494 | D |
| 6 | First AdvantageCredit reporting | 4 | 484 | F |
| 7 | World Omni FinancialCredit reporting | 51 | 473 | C |
| 8 | FC HoldCoCredit reporting | 59 | 410 | C |
Compare side by side: United PanAm Financial vs BMW Financial Services · United PanAm Financial vs First Technology Federal Credit Union · United PanAm Financial vs VW Credit · United PanAm Financial vs Ava Finance
What people say about United PanAm Financial
All experiencesNo experiences with United PanAm Financial yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest United PanAm Financial complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 12, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Nov 9, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Nov 8, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 8, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Nov 5, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Nov 1, 2026 | Auto loans & leases | RepossessionLoan balance remaining after the vehicle is repossessed and sold | Explained |
| Oct 30, 2026 | Auto loans & leases | Problems at the end of the loan or leaseProblem with paying off the loan | Explained |
| Oct 29, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Oct 27, 2026 | Auto loans & leases | RepossessionCompany explaining amount owed | Explained |
| Oct 24, 2026 | Debt collection | Took or threatened to take negative or legal actionSeized or attempted to seize your property | Explained |
| Oct 24, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 22, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
Questions about United PanAm Financial
How many complaints does United PanAm Financial have?
United PanAm Financial has 1,723 complaints on record since September 2013, including 494 in the last 12 months and 16 in the last 30 days. That makes it number 195 of every company by complaints this year.
Does United PanAm Financial respond to complaints?
Yes. United PanAm Financial answered 96.8% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 39/100 (grade D).
What do people complain about most with United PanAm Financial?
The most common problems are incorrect information on your report (362), improper use of your report (339), repossession (126).
Is United PanAm Financial legit?
United PanAm Financial is a real company with a public complaint record: consumers have complained about it 1,723 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is United PanAm Financial legit? for the signals, red flags and how to protect yourself.
Are complaints about United PanAm Financial going up or down?
Roughly level. There were 494 complaints in the last 12 months against 455 in the 12 before (+9%). See every month.
How do I file a complaint against United PanAm Financial?
Complain to United PanAm Financial in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most United PanAm Financial complaints come from?
Most come from Florida (287), Texas (195), Georgia (159). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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