CFPB Consumer Complaint Profile
United Services Automobile Association
What 18,057 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 18,057
- Total complaints
- Among the highest
- 2,759
- Last 12 months
- 99.6%
- Timely response
- Top decile
- 58
- States affected
The verdict
18,057 CFPB complaints put United Services Automobile Association at #38 out of 3,843 financial companies ranked by complaint volume. Its on-time response rate is 99.6%, the 74th percentile among companies with 100+ complaints.
- #38
- of 3,843 companies by volume
- 99.6%
- on time (74th pctile)
- Checking or savings …
- most-complained product
- 58
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
United Services Automobile Association vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.6% Higher than most higher than 74% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 2,088 in 2024 to 2,697 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2011 | 16 |
| 2012 | 346 |
| 2013 | 374 |
| 2014 | 495 |
| 2015 | 717 |
| 2016 | 979 |
| 2017 | 1,090 |
| 2018 | 1,126 |
| 2019 | 1,354 |
| 2020 | 1,592 |
| 2021 | 1,368 |
| 2022 | 1,549 |
| 2023 | 1,620 |
| 2024 | 2,088 |
| 2025 | 2,697 |
| 2026year in progress | 646 |
Complaints by State (Top 15)
Company Responses
United Services Automobile Association Complaint Concentration Profile
United Services Automobile Association is a high-volume CFPB cohort (18,057 complaints) - enough filings to measure how concentrated the product and issue mix is, not just the headline totals. Across 89 named product lines in the stored breakdown, the leading three (Checking or savings account, Credit card or prepaid card, Credit reporting, credit repair services, or other personal consumer reports) hold a 47.1% share of product-tagged complaints. The Herfindahl index on that product mix is 0.123 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Managing an account, Incorrect information on your report, Problem with a purchase shown on your statement) cover a 53.8% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (Texas, Florida, California) hold a 32.5% share of state-tagged volume across 58 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 83.5% share among the 18,057 response-tagged complaints (15,074 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2025 (2,697 complaints); the lightest year on file was 2011 (16). From 2024 to 2025, annual volume rose 29.2% (2,088 → 2,697). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
What the CFPB Complaint Record Shows for United Services Automobile Association
18,057 complaints against United Services Automobile Association appear in the CFPB record, including 2,759 from the trailing year. The 58 states and territories represented put this footprint in nationwide territory. No product draws more complaints than "Checking or savings account," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Managing an account" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Within the Bureau's 15-day response window, United Services Automobile Association posts a 99.6% reply rate on forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Consumers formally disputed the company's response at a 18.5% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, the consumer-relief closure rate is 16.4%.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does United Services Automobile Association have?
United Services Automobile Association has 18,057 total consumer complaints filed with the CFPB, with 2,759 filed in the last 12 months.
Does United Services Automobile Association respond to complaints on time?
United Services Automobile Association has a 99.6% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for United Services Automobile Association?
The most complained-about product for United Services Automobile Association is "Checking or savings account." You can view the full product breakdown on this page.
What is the most common complaint issue with United Services Automobile Association?
"Managing an account" is the single most frequently cited issue in complaints against United Services Automobile Association - see all issues and counts above.
How do I file a complaint against United Services Automobile Association?
You can file a complaint against United Services Automobile Association directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about United Services Automobile Association?
United Services Automobile Association has drawn CFPB complaints from 58 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for United Services Automobile Association: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count (18,057 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (18.5% here).
Also handles Checking or savings account
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.