Debt collection
United PanAm Financial debt collection complaints
Consumers have filed 330 complaints about United PanAm Financial's debt collection, 111 in the last 12 months (+26%). United PanAm Financial answered 99.1% on time and closed 0% with relief. See the whole United PanAm Financial record.
United PanAm Financial against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | United PanAm Financial | 111 | 99.1% | 0% |
Latest United PanAm Financial debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 8, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | 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 14, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Oct 12, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 9, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Oct 7, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 9, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 5, 2026 | Debt collection | Took or threatened to take negative or legal actionSeized or attempted to seize your property | Explained |
| Aug 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 27, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Aug 26, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 23, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Aug 16, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Aug 4, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 28, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 23, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jul 23, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 14, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 14, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 11, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 8, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 7, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 5, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 30, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 29, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jun 23, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 23, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 22, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
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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