This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 1,269 complaints

United Services Automobile Association - Debt Collector Complaint Profile

CFPB complaint profile across 50 states, reputation grade D.

Complaints by issue type

What consumers report about United Services Automobile Association

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 56.0/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: United Services Automobile Association ranks ahead of 28% of the 5,283 collectors PlainCollector grades - 72% keep a cleaner CFPB record, on 1,269 all-time complaints and a 100% timely-response rate.

28th pct
reputation rank of 5,283 graded collectors
1,269
CFPB complaints, all-time
100%
answered inside the CFPB window
275
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about United Services Automobile Association?

United Services Automobile Association has accumulated 1,269 total CFPB complaints across 50 states, with 275 filed in the most recent 12 months against 994 historical complaints before that window. The trailing-12-month volume represents 21.7% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 100% timely-response rate against a 20% consumer-dispute-after-response rate.

Complaints have been recorded across 50 states, led by Texas with 183 and Florida with 180. Normalized against the full CFPB collector database, the reputation score of 56.0/100 places United Services Automobile Association in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

1,269

high-volume (CCDB)

Last 12 months

275

21.7% of all-time complaints

Stable →

States active

50

nationwide footprint

Timely response rate

100%

excellent band

Consumer disputes

20%

average (vertical avg ~19%)

Reputation grade

D

56.0/100 composite

How does United Services Automobile Association's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

56 28th percentile higher than 28% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

United Services Automobile Association versus the debt-collection vertical average.

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) 19.7%
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?

How does UNITED SERVICES AUTOMOBILE ASSOCIATION compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
UNITED SERVICES AUTOMO… National average
Complaints (last 12 mo)lower is better
275
251
268
Timely-response ratehigher is better
100%
99%
91%
Consumer-dispute ratelower is better
20%
15%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-06 2026-02

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 549
Took or threatened to take negative or legal action - 227
Written notification about debt - 149
False statements or representation - 119
Communication tactics - 104
Cont'd attempts collect debt not owed - 54
Disclosure verification of debt - 30
Threatened to contact someone or share information improperly - 17
Improper contact or sharing of info - 15
Taking/threatening an illegal action - 3

Where do complaints against United Services Automobile Association come from?

United Services Automobile Association's own per-state count, not a national baseline.

Top states by complaints against United Services Automobile Association

Across 50 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if United Services Automobile Association contacts you

A grade of D signals how United Services Automobile Association's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really United Services Automobile Association and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how United Services Automobile Association ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 1,269 complaints filed with the CFPB.

Are complaints against United Services Automobile Association increasing or decreasing? ▼

Complaints against United Services Automobile Association have been stable. The company received 275 complaints in the last 12 months.

What is United Services Automobile Association's reputation grade? ▼

United Services Automobile Association has a reputation grade of D (score: 56.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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 Texas (183 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.