Total CFPB complaints
1,186
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 1,186 complaints
UNITED SERVICES AUTOMOBILE ASSOCIATION — Debt Collector Complaint Profile
CFPB complaint profile across 50 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about UNITED SERVICES AUTOMOBILE ASSOCIATION
- Attempts to collect debt not owed
Attempts to collect debt not owed
522 complaints
- Took or threatened to take negative or legal action 135
Took or threatened to take negative or legal action
135 complaints
- Written notification about debt 130
Written notification about debt
130 complaints
- False statements or representation 90
False statements or representation
90 complaints
- Communication tactics 63
Communication tactics
63 complaints
- Disclosure verification of debt 26
Disclosure verification of debt
26 complaints
D
Grade D · 56.0/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about UNITED SERVICES AUTOMOBILE ASSOCIATION?
UNITED SERVICES AUTOMOBILE ASSOCIATION has accumulated 1,186 total CFPB complaints across 50 states, with 227 filed in the most recent 12 months against 959 historical complaints before that window. The trailing-12-month volume represents 19.1% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 20% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 50 states, led by Florida with 175 and Texas with 160, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.0/100 places UNITED SERVICES AUTOMOBILE ASSOCIATION in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
227
19.1% of total history
Rising ↑
States active
50
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
20%
After company response
Reputation grade
D
56.0/100 composite
Response-quality profile
How UNITED SERVICES AUTOMOBILE ASSOCIATION performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 39.5%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 89.3%
Share of US states + territories with at least one filed complaint against this collector.
How does UNITED SERVICES AUTOMOBILE ASSOCIATION compare to its peers?
UNITED SERVICES AUTOMO… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed522 (%)
Took or threatened to take negative or legal action135 (%)
Written notification about debt130 (%)
False statements or representation90 (%)
Communication tactics63 (%)
Disclosure verification of debt26 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 218 |
| Attempts to collect debt not owed | Debt was result of identity theft | 198 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 135 |
| Written notification about debt | Didn't receive enough information to verify debt | 91 |
| False statements or representation | Attempted to collect wrong amount | 90 |
| Attempts to collect debt not owed | Debt was paid | 81 |
| Communication tactics | Frequent or repeated calls | 63 |
| Written notification about debt | Didn't receive notice of right to dispute | 39 |
| Disclosure verification of debt | Not given enough info to verify debt | 26 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 25 |
Where do complaints against UNITED SERVICES AUTOMOBILE ASSOCIATION come from?
The states where consumers have filed the most CFPB complaints against UNITED SERVICES AUTOMOBILE ASSOCIATION. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against UNITED SERVICES AUTOMOBILE ASSOCIATION
Across 50 states with at least one filing
- Florida
Florida
175 complaints
- Texas
Texas
160 complaints
- Georgia
Georgia
128 complaints
- California
California
92 complaints
- North Carolina 62
North Carolina
62 complaints
- Virginia 50
Virginia
50 complaints
- South Carolina 36
South Carolina
36 complaints
- Maryland 36
Maryland
36 complaints
Frequently Asked Questions
What is the most common complaint against UNITED SERVICES AUTOMOBILE ASSOCIATION? ▼
The most common issue consumers report about UNITED SERVICES AUTOMOBILE ASSOCIATION is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 1,186 complaints filed with the CFPB.
Are complaints against UNITED SERVICES AUTOMOBILE ASSOCIATION increasing or decreasing? ▼
Complaints against UNITED SERVICES AUTOMOBILE ASSOCIATION are rising. The company received 227 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is UNITED SERVICES AUTOMOBILE ASSOCIATION's reputation grade? ▼
UNITED SERVICES AUTOMOBILE ASSOCIATION has a reputation grade of D (score: 56.0/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does UNITED SERVICES AUTOMOBILE ASSOCIATION respond to consumer complaints? ▼
UNITED SERVICES AUTOMOBILE ASSOCIATION has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 20% of cases.
In how many states does UNITED SERVICES AUTOMOBILE ASSOCIATION operate? ▼
UNITED SERVICES AUTOMOBILE ASSOCIATION has received CFPB complaints from consumers in 50 states, with the most complaints from Florida (175 complaints).
What can I do if UNITED SERVICES AUTOMOBILE ASSOCIATION is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If UNITED SERVICES AUTOMOBILE ASSOCIATION violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |