121 real consumer complaints filed against United PanAm Financial corp. at the Consumer Financial Protection Bureau in the last 12 months. 0 received relief from the company. Median federal response time: 15 days.
121
Complaints
0
Won monetary relief
0%
Relief rate
92%
Timely response
Most common issues
01Repossession21
02Incorrect information on your report21
03Managing the loan or lease17
04Problem with a company's investigation into an existing problem11
05False statements or representation10
Top states filing
FL23GA14TX14NJ10AL7
Recent complaints
The 30 most recent complaints against United PanAm Financial corp. where the consumer chose to publish their narrative.
Debt collection· Took or threatened to take negative or legal actionCA
XXXX united auto credit gave a loan I know I wouldnt be approved but it did I put XXXX down for a XXXX XXXX so I get the truck then 3 days go by and they send me a letter saying bring the truck back I didnt qualify so I paid XXXX XXXX on my truck and then they repo it they came into my backyard entered my property and took my truck these people knew I wouldnt qualify so I freakin lost my truck not XXXX
Outcome: Closed with explanationTimely response
Vehicle loan or lease· Managing the loan or leaseIA
I am filing a complaint regarding an auto loan issued by United Auto Credit for XXXX XXXX XXXX XXXX XXXX ( VIN : XXXX ). The vehicle was sold with a serious pre-existing mechanical defect, specifically excessive oil consumption, which began the day after purchase.
Despite spending over {$4000.00} on repairs, the issue persists and has resulted in repeated breakdowns, making the vehicle unreliable and unfit for its intended business use.
I believe the lender financed a defective vehicle and I am formally disputing the loan obligation associated with this transaction. I have also filed complaints against the selling dealer for misrepresentation.
I am requesting assistance in resolving this matter, including review of the loan and potential relief options due to the defective condition of the vehicle.
Outcome: Closed with explanationTimely response
Vehicle loan or lease· Incorrect information on your reportTX
I filed a complaint against United Auto Credit Corporation ( UACC ) because they are reporting inaccurate and inconsistent data across the XXXX major credit bureaus for my XXXX XXXX XXXX account. XXXX shows the account as Open and As Agreed while XXXX and XXXX report it as a Collection/Charge Off with a balance of {$11000.00}. These discrepancies violate the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2 ( a ), which requires furnishers to provide accurate information. Furthermore, UACC has failed to provide evidence of proper authorization to report this data to my credit profile as required by 15 U.S.C. 1681b.In the response from UACC dated XX/XX/XXXX, the company admitted that discrepancies or delays exist in how this information is displayed. Although they claim the account was charged off on XX/XX/XXXX, they have allowed conflicting information to remain on my credit profile for over a year.…
Vehicle loan or lease· Incorrect information on your reportNJ
I previously disputed an auto loan account reported by United Auto Credit Corporation through the credit bureau. The dispute was marked as resolved very quickly, but the inaccurate information remains on my credit report.
The account is being reported with loan terms listed as 1 month, which does not reflect the structure of a typical auto loan. Additionally, the reported balance, charge-off amount, and original loan balance do not clearly reconcile.
This account also resulted from a vehicle repossession. Because the vehicle was repossessed and presumably sold, the remaining balance should reflect a proper accounting of the repossession and sale. I am requesting documentation showing the repossession accounting, including the auction or sale amount of the vehicle, how those proceeds were applied to the loan balance, and a breakdown of any fees added after repossession.…
Vehicle loan or lease· Managing the loan or leaseAR
I am disputing the validity of a Retail Installment Contract with XXXX XXXX XXXX ( Account # XXXX ) due to documented signature irregularities and a breach of the FTC XXXX Rule.
XXXX. SIGNATURE IRREGULARITIES : I possess XXXX conflicting versions of the contract. XXXX XXXX was generated at XXXX XXXX with NO signatures. A " final '' version appeared only XXXX minutes later at XXXX XXXX with my electronic signature and the sellers signature already applied. I did not review, authorize, or manually apply my signature in this window. I have requested the XXXX audit logs/metadata to verify the origin of these signatures ; the company has failed to provide them.
XXXX. NOTICE OF INOPERABLE VEHICLE : The vehicle has been at a mechanic since XX/XX/XXXX. The mechanic confirmed the vehicle was sold in an inoperable state and requires a part that is no longer manufactured, making the vehicle unrepairable.…
Vehicle loan or lease· Managing the loan or leaseVA
XX/XX/XXXX I got a car from a not so reputable dealership, also got an extended warranty which I canceled almost immediately because no one honored it except the shady dealership, so I then go to the finance company to have it canceled. XXXX for the full amount. I can verify that XXXX was returned to the account. However since that time I have pestered the company for proof of the XXXX being returned to my account. As my loan amount wouldve changed because it was applied to the principal. Which is the only thing they will tell me. XXXX is a lot of money and it not being accounted for is a problem for me. I really just want proof. Proof they are unwilling to provide.
Outcome: Closed with explanationTimely response
Vehicle loan or lease· RepossessionFL
In 2023 I financed a used vehicle through United Auto Credit. XXXX XXXXXXXX - Within less than a year of ownership, the vehicle began experiencing major mechanical problems, I called multiple times and made complaints to United Auto Credit advising the issues. including transmission failure, fuel pump. Because the vehicle was no longer reliable and the repair costs were extremely high, I voluntarily returned the vehicle.
After the vehicle was surrendered, United Auto Credit reported a charge-off and a deficiency balance of approximately {$9500.00}. I have requested information explaining how this balance was calculated after the vehicle was surrendered and sold.
Specifically, I requested documentation showing the sale of the vehicle, the auction sale price, and a full breakdown of how the remaining balance was determined. Instead of providing this information, the company sent a settlement letter offering to accept a reduced payment but did not provide the documentation requested.…
Vehicle loan or lease· Managing the loan or leasePA
I got a loan from United Auto credit to purchase a vehicle and I've been making my payments on time every time and when I try to give them extra to pay on my principal they say they are applying it and will send me a receipt but yet never do and then my next payment is smaller so they're just completely ignoring it not paying on my principal which is violated my rights.
Outcome: Closed with explanationTimely response
Vehicle loan or lease· RepossessionFL
This complaint concerns repossession activity that occurred while an ongoing written dispute regarding the origination and servicing of this auto loan remained unresolved.
On XX/XX/XXXX, a Retail Installment Contract was executed for the purchase of a XXXX XXXX XXXX XXXX financed through United Auto Credit Corporation. The contract reflects a {$3500.00} down payment. Questions later arose regarding the accuracy of the down payment amount reflected in the financing documents and the documentation submitted by the selling dealer in connection with the loan approval.
The vehicle was primarily used by the co-borrower, XXXX XXXX, who represented that he would maintain payments, insurance, and maintenance. Over time it became clear that payments were not being made consistently and that the vehicle was being operated without proper insurance coverage.…
Debt collection· Attempts to collect debt not owedMD
The car was totaled out and was paid in full by person at fault insurance company. They later said it didnt cover the full amount because of past due amount. I later setup a settlement with them and paid. Ive disputed this using XXXX XXXX a few times and it would be updated as account removed but then they go back in and re-report it every year. Not to mention this was over 7 years ago so it should not be on my credit report.
Outcome: Closed with explanationTimely response
Vehicle loan or lease· RepossessionFL
Complaint description : In XX/XX/XXXX, I purchased a used vehicle from XXXX XXXX XXXX in good faith. The vehicle was represented and sold to me as being in good condition. The vehicle purchased was a XXXX XXXX XXXX for a total purchase price of {$27000.00}.
Shortly after I began using the vehicle, I started noticing mechanical and structural issues that were not disclosed at the time of sale. I promptly contacted the dealer to report these concerns and returned the vehicle for inspection. After continued issues, I took the vehicle to my own trusted mechanic for a full evaluation.
During this inspection, my mechanic discovered significant water damage underneath the vehicle, indicating prior flooding or water exposure. This condition materially affects the safety, value, and reliability of the vehicle and should have been disclosed prior to sale.…
Debt collection· Attempts to collect debt not owedCA
I am filing a formal complaint regarding an account being reported by XXXX XXXX XXXX that does not belong to me.
I did not open, authorize, or enter into any agreement with this company. This account is fraudulent and is being inaccurately reported on my credit file.
I have submitted multiple written disputes to XXXX XXXX XXXX throughout 2025 requesting proper validation of this alleged debt. My most recent written dispute was sent on XX/XX/year>. In those disputes, I clearly stated that I did not open this account and requested full validation, including a copy of the original signed contract or any documentation bearing my signature demonstrating authorization.
To date, XXXX XXXX XXXX has failed to provide competent evidence establishing that I am legally obligated for this account. They have not produced a signed agreement, proof of authorization, or documentation verifying that this debt belongs to me.…
I purchased the vehicle from XXXX XXXX XXXX XXXX on XX/XX/year>, with financing through XXXX XXXX.
On XX/XX/year>, the vehicle was involved in an accident and was rendered inoperable. Police responded, a report was made, and the vehicle was towed. I did not have possession of the vehicle after this date.
I later retrieved the vehicle from the impound on XX/XX/year>. From XX/XX/year> through approximately XX/XX/year>, the vehicle remained at XXXX XXXX XXXX XXXX. During this time, I was repeatedly promised that repairs were being made and that the vehicle would be fixed. However, I was continuously given the runaround and no meaningful repairs were completed.
On or around XX/XX/year>, the day before I was told I could pick up the vehicle, I received a message from XXXX, who identified himself as the owner of the lot where my vehicle was located. I was informed that the mechanic had stolen items from the shop and was asked to come retrieve my vehicle.…
I am filing a new complaint against XXXX XXXX United Auto Credit XXXX XXXX because, despite my initial CFPB complaint, I am still receiving repeated and harassing communications from the same deficiency representative, XXXX XXXX XXXX XXXX XXXX XXXX without my issue being resolved.
XXXX XXXX XXXX XXXX XXXX Ongoing Harassment After Filing My First Complaint XXXX XXXX Since submitting my initial complaint, I have continued receiving XXXX XXXX multiple phone calls XXXX XXXX from the same representative, XXXX XXXX XXXX XXXX XXXX XXXX, who keeps demanding payment even though the matter is still under review and has not been resolved.
XXXX XXXX XXXX XXXX XXXX Threatening Email Received XXXX XXXX I also received a threatening email that stated XXXX XXXX My XXXX has reviewed your account that is in our office.…
A few months ago, the vehicle became inoperable. After taking it to a repair shop, we were advised that the cost of repairs exceeded the vehicles value. As a result, we notified the company of our intent to proceed with a voluntary repossession.
Despite multiple requests, the company has failed to retrieve the vehicle. However, they continue to contact me by phone and email multiple times per week. At this point, this repeated contact constitutes harassment. I am requesting that the company retrieve the vehicle promptly and cease all further contact with me regarding this matter.
Outcome: Closed with explanationLate response
Vehicle loan or lease· Incorrect information on your reportNJ
I am filing a complaint against United Auto Credit regarding inaccurate and misleading credit reporting after a settlement agreement. On XX/XX/2025, United Auto Credit and I signed a settlement agreement for a total amount of {$8500.00}. XXXX required a {$500.00} initiation payment ( two {$250.00} payments made on XX/XX/2025 and XX/XX/2025 ) to activate the settlement and start my monthly payment plan toward the full {$8500.00} settlement amount.
Despite this, XXXX continues to report the original full balance on my credit report, which is false and materially misleading. Their settlement letter states that once the settlement amount is received, the account will be marked as paid in full for less than the full balance. Their reporting contradicts their own written terms and violates the Fair Credit Reporting Act ( FCRA ).…
Consumer Financial Protection Bureau Re : CFPB Case No. XXXX Consumer : XXXX XXXX XXXX XXXX I submit this statement to supplement and clarify my prior feedback and to add material information that directly rebuts the companys response.
United Auto Credit Corporations characterization of my complaint as frivolous does not satisfy its obligations under federal consumer financial law and does not constitute a reasonable investigation. The repetition of unresolved issues does not invalidate a complaint. To the contrary, continued failure to substantiate or correct disputed information after multiple notices raises additional compliance concerns.
XXXX response does not address the merits of my allegations and relies instead on conclusory assertions. No documentation or evidentiary support was provided to demonstrate that the company conducted a reasonable investigation or that its actions and reporting are accurate and lawful.…
Vehicle loan or lease· Managing the loan or leaseFL
I am an XXXX XXXX XXXX XXXX XXXX My auto loan was originated prior to my military service with an interest rate of 16 %.
Under the Servicemembers Civil Relief Act ( 50 U.S.C. 3937 ), any obligation incurred before military service must have its interest rate capped at 6 % for the entire period of military service, and any interest charged above 6 % must be forgiven, not deferred.
Although the lender reduced my interest rate prospectively after my request, they have repeatedly refused to apply the adjustment retroactively and refund or credit the excess interest already charged. The lender claims the SCRA benefit applies only from the date of request, which is incorrect and contrary to federal law.
The SCRA requires a full retroactive recalculation of the loan, including forgiveness and reimbursement of all interest charged above 6 % during my military service, regardless of the request date.…
Debt collection· False statements or representationCA
This complaint is directly connected to complaint XXXX company : United Auto Credit Corp. / United Auto Credit Corporation Complaint Description United Auto Credit Corp. is continuing to furnish false, inaccurate, and misleading information regarding an auto loan account appearing on my credit reports as it updates information. The reported information is internally contradictory, unverifiable, and violates multiple provisions of the Fair Credit Reporting Act ( FCRA ).
Specifically, United Auto Credit reports that I made on-time payments in XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX, yet simultaneously reports a late payment for XX/XX/XXXX. Both statements can not be true at the same time. This contradiction alone demonstrates that the information being furnished is not accurate nor reliable.
Additionally, the account is reported inconsistently across consumer reporting agencies, including conflicting account statuses ( open vs.…
Debt collection· False statements or representationCA
I sent this letter to United Auto Credit : On or about XX/XX/XXXX, I purchased a used XXXX XXXX XXXX XXXX XXXX and financed the vehicle through United Auto Credit Corporation. Within approximately 90 days of purchase, the vehicle suffered a catastrophic engine failure and became mechanically inoperable. A licensed repair facility diagnosed the engine as knocking and determined that full engine replacement was required, with a written repair estimate of approximately {$10000.00}, exceeding the vehicles value.
Because the vehicle could not be driven, it remained at the licensed repair facility. I promptly notified United Auto Credit Corporation of the mechanical failure, the vehicles inoperable condition, and the vehicles exact location. United Auto Credit acknowledged receipt of this information, requested repair estimates, and engaged in discussions regarding loan modification, insurance proceeds, and potential settlement.…
My vehicle was repossessed in Texas by United Auto Credit. Within XXXX hours of the repossession, I made a post-repossession payment that was accepted and posted by United Auto Credit on XX/XX/year> in order to reinstate or redeem the vehicle.
Despite payment being accepted, United Auto Credit has refused to release my vehicle and stated that I must wait 10 days after payment before the vehicle can be released.
When I asked for the legal basis for this delay, I was given conflicting and misleading explanations. I was first told the delay was required by federal law. When I questioned that explanation, I was then told it was company policy. I was later told the delay applied because I paid by debit/credit card rather than cash, and that I must wait 10 days regardless of payment status.
No federal statute, Texas statute, or contractual provision has been cited to support this 10-day delay.…
Vehicle loan or lease· Managing the loan or leaseTX
Im only 2 weeks behind on my vehicle payment. My monthly payment is XXXX Now there charging me XXXX for late fees that is almost more then my payment in just fees, there's no way this is legal. Won't switch my payment day. I switched it 1 time almost a year ago. But they wont work with me and they are charging XXXX $ everyday it's behind.
I've switched jobs and it's making difficult im almost done on my vehicle I realized some help I dont want to to get it repossessed I feel as if this is a scam. There over charging the late fees on purpose and wont work with there clients. Please help me. I never get to speak to a manager. And there's never anyone nice enough to give a dam. This is why im here I understand, Im the 1 thats late but atleast be reasonable about the fees not to just repossess someone vehicle as quick as possible.
Outcome: Closed with explanationTimely response
Vehicle loan or lease· Managing the loan or leaseTX
Vehicle was repossessed and I made the necessary payment the same day.
Company [ XXXX in particular ] is refusing to acknowledge my $ XXXX + payment already applied directly to my account or send the release form to the vehicle storage lot.
They want me to wait XXXX days for no reason other than to inconvenience me and my family through the holidays.
This is creating deep distress for me and my childrens health. Unable to work - purchase groceries, manage daily life.
Demanding my payment acknowledgment as priority and my vehicle be released without further delay.
Outcome: Closed with explanationTimely response
Debt collection· Attempts to collect debt not owedGA
FORMAL DISPUTE & DEMAND FOR DELETION Date : XX/XX/year> To : United Auto Credit XXXX United XXXX XXXX Department Re : Account No. XXXXXXXX XXXX XXXX Consumer : XXXX XXXX XXXX NOTICE OF DISPUTE INACCURATE AND UNVERIFIABLE CREDIT REPORTING This letter serves as formal notice of dispute regarding the above-referenced account currently being reported on my consumer credit file.
The vehicle associated with this account was defective at the time of sale and became inoperable within one ( 1 ) week, constituting a breach of implied warranty, failure of consideration, and non-conforming sale under applicable consumer protection and Uniform Commercial Code provisions.
Because the underlying sales transaction was materially defective, any alleged deficiency balance arising from repossession is legally disputed, unliquidated, and unenforceable.
LEGAL BASIS FOR DISPUTE Breach of Implied Warranty UCC 2-314 & 2-315 A dealer-sold vehicle must be fit for ordinary use.…
Credit reporting or other personal consumer reports· Incorrect information on your reportGA
United Auto Credit is reporting materially inaccurate and unverifiable information across credit bureaus.
On XXXX, this account is reported as Closed and last updated XX/XX/XXXX, while on XXXX the same account is reported as Derogatory / Charge-off and last updated XX/XX/XXXX. Both account statuses can not be accurate simultaneously.
Additionally, the payment history percentages differ ( Equifax reports 14 % on-time payments, XXXX reports 17 % ), the last payment date is inconsistent ( XXXX shows XX/XX/XXXX, XXXX shows XX/XX/XXXX ), and the worst payment status differs ( Charge-off vs 90119 days late ).
XXXX also reports no highest balance, while TransUnion reports a highest balance of {$12000.00}, demonstrating incomplete and inconsistent data furnishing.
Due to these material inconsistencies, this account can not be verified as accurate or complete under the Fair Credit Reporting Act.…
From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX XXXX XXXX Date : XXXX XXXX XXXXXX/XX/year> Subject : Complaint and Cease and Desist Against United Auto Credit Corporation Improper Voluntary Surrender Handling and Unlawful Vehicle Sale Complaint Summary : I am filing this complaint against United Auto Credit Corporation ( UACC ) regarding their handling of my voluntary surrender of my XXXX XXXX, XXXX XXXX, Account No. XXXX. UACC failed to follow required legal procedures, sold my vehicle far below market value, and denied me my rights under UCC and Indiana law, causing financial and potential credit harm.
I hereby formally demand a Cease and Desist from any further collection activity, reporting, or attempts to collect a deficiency balance related to this account until this matter is resolved.…
Debt collection· Attempts to collect debt not owedGA
UNITED AUTO / UNITED AUTO CREDIT Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX Date : XX/XX/year> United Auto Credit XXXX XXXX XXXX, XXXX, CA XXXX Re : Cease & Desist + Validation Request Account : XXXX XXXX XXXX This letter demands you cease all communication pursuant to 15 U.S.C. 1692c ( c ).
I dispute the alleged debt and request validation ( 15 U.S.C. 1692g ( b ) ), including : Contract copy Payment history and itemization Proof you are authorized to collect Assignment documentation Verification of accuracy Collection efforts must pause until validation is supplied.
Sincerely, XXXX XXXX
Outcome: Closed with explanationTimely response
Vehicle loan or lease· RepossessionGA
My name is XXXX XXXX XXXX XXXX. Last XX/XX/XXXX, I purchased a XXXX XXXX XXXX, which was financed through United Auto Credit. This vehicle had hidden defects, such as a very bad engine and transmission. Furthermore, I was never able to register or use it because it did not comply with emissions laws in Georgia, specifically in XXXX XXXX. Once the temporary license plate the dealer gave me expired, the car could no longer be driven. When I tried to claim the extended warranty they made me buy, they told me that all the defects were pre-existing and they could not cover them.
XXXX XXXX XXXX XXXX Email XXXX Dealer name chamo auto sales Company name united auto credit
Outcome: Closed with explanationTimely response
Vehicle loan or lease· RepossessionTX
Vehicle was repossessed due to past due balance. Went online and cleared out the balance expecting to get car back. United Auto Credit stated the payment HAD to be cash and that no other form of payment was acceptable. They said I should " Cancel/Dispute '' transaction with my bank and XXXX the payment in cash. I understand there was an additional fee/amount due for the actual repossession, but they will not allow me to pay the difference nor credit my for my online debit card payment, They advised the car will be placed on a XXXX hold.
Outcome: Closed with explanationTimely response
Vehicle loan or lease· Struggling to pay your loanFL
Below is a clear description and email that was sent to the involved parties regarding the lemon vehicle that was sold with internal engine or transmission or both problems. These mechanical problems were identified and reported to the dealership repair shop.
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CC : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which address below is not valid or active anymore according to the United States XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Subject : Response to Your XXXX XXXX Replies XXXX XXXX XXXX XXXX ( XXXX : XXXX ) Dear XXXX XXXX and Representatives XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I acknowledge receipt of…