Vehicle loans and leases
United PanAm Financial: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 59
- Closed with money back
- 0
- 2023 to 2025
- 1 to 36
United PanAm Financial received 856 complaints from everyone in the window; 59 carried the servicemember tag. The complaints are mostly about vehicle loan or lease, and the single most common issue is "Managing the loan or lease". 0 of the 59 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count rose from 1 in 2023 to 36 in 2025.
What the complaints are about
By product
| Vehicle loan or lease | 38 |
| Credit reporting or other personal consumer reports | 13 |
| Debt collection | 7 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
By issue
| Managing the loan or lease | 13 |
| Repossession | 12 |
| Problem with a company's investigation into an existing problem | 8 |
| Getting a loan or lease | 5 |
| Attempts to collect debt not owed | 4 |
| 2023: 1 | 2024: 22 | 2025: 36 |
Which accounts, specifically
| Loan | 38 |
| Credit reporting | 14 |
| Auto debt | 7 |
| Lease | 1 |
| Installment loan | 1 |
What went wrong, specifically
| Problem with additional products or services purchased with the loan | 9 |
| Their investigation did not fix an error on your report | 7 |
| Lender trying to repossess or disable the vehicle | 4 |
| Denied request to lower payments | 4 |
| Notice to repossess | 3 |
Busiest month: January 2025, with 7 servicemember complaints. Most were submitted by web.
Most complaints came from GA (12), PA (12), CO (4) , then FL, AR, NV.
How United PanAm Financial answered
| Closed with explanation | 59 |
United PanAm Financial responded within the CFPB's 15-day window on 93% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Vehicle loan or lease; Managing the loan or lease. PA, 2024-08-28. Outcome: Closed with explanation. Complaint 9942698
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Vehicle loan or lease; Problems at the end of the loan or lease. AR, 2024-08-08. Outcome: Closed with explanation. Complaint 9754581
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Vehicle loan or lease; Repossession. IN, 2024-07-28. Outcome: Closed with explanation. Complaint 9630937
If this is your problem at United PanAm Financial
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with vehicle loans and leases peers
- World Omni Financial 55 servicemember complaints; 0 with money back
- Stellantis Financial Services US 66 servicemember complaints; 3 with money back
- Carvana 70 servicemember complaints; 0 with money back
- Byrider Franchising 40 servicemember complaints; 0 with money back
- Vw Credit 88 servicemember complaints; 4 with money back
Next in the directory by volume: Alliant Credit Union, Erc, Freedom Financial Network.
Frequently asked questions
How many complaints did servicemembers file against United PanAm Financial?
59 complaints tagged servicemember were received by the CFPB about United PanAm Financial Corp. between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 1 in 2023 to 36 in 2025.
What do servicemembers complain about most at United PanAm Financial?
Vehicle loan or lease accounts for 38 of the 59 complaints, and the most common issue is "Managing the loan or lease" (13). Next: "Repossession" (12).
Does United PanAm Financial give money back when a servicemember complains?
0 of the 59 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 0 closed with non-monetary relief and 59 closed with an explanation only. United PanAm Financial answered 93% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.