San Antonio, TX
United Services Automobile Association
Correction Ledger: timely response rate 100% → 100% (prior vs recent 90 days); 4 open. No documented improvement yet under ledger-2026-06-v1. How it's earned
Sienna's plain-language read of the record
United Services Automobile Association (San Antonio, TX) has 4 CFPB complaints awaiting a company response. Covenant Risk Index 52/100 — High activity on record — from the official record as of 2026-09-24.
Generated word-for-word from the figures on this page; no model writes or estimates any number.
CFPB complaints with status 'In progress' — no final company response yet. A status, not a finding.
Filed in the CFPB as: United Services Automobile Association
Source: CFPB Consumer Complaint Database ↗Out-of-service rate minus the national average for the worst category with at least 10 inspections in 24 months. 0 = at or below the national average.
percentage points above national average
Not in the FMCSA carrier registry — zero here means no record.
Source: FMCSA SAFER Company Snapshot
CPSC recalls since 2024-10-04 naming “United Services Automobile Association” as manufacturer, importer or distributor. Being a retailer that sold a recalled product is not counted.
Source: U.S. Consumer Product Safety Commission ↗National Weather Service alerts of severity Severe or Extreme active in TX at the time of this pull. Conditions, not conduct.
Counted: Flash Flood Warning, Flood Watch
Active but not counted (advisories/statements): Air Quality Alert
Source: National Weather Service ↗Vendor Guard · CFPB complaint log, last 12 months
3,212 complaints received (+29.8% vs prior 12 mo) · 19% of closed complaints ended with relief · 0% answered after the 15-day window
Top issues: Managing an account (988) · Incorrect information on your report (365) · Closing an account (231) · Problem with a lender or other company charging your account (216) · Problem with a purchase shown on your statement (174)
Complaints the CFPB sent to the company, by date received; relief share uses CLOSED complaints as the denominator; 'late' = company response after the 15-day federal window.
CFPB source ↗Complaint velocity: 52 received in the latest fully-published week (2026-09-02 to 2026-09-09) vs a usual 65.8/week — no spike. Spike = at least 3 complaints received in the latest fully-published week AND at least 3× the entity's own trailing 12-week weekly average. Measured on CFPB complaints only; FMCSA publishes 24-month totals, not dated events.
Source: Alpha Covenant Holdings, from CFPB, FMCSA, CPSC and NWS records. Counts are not findings of wrongdoing. Pulled 9/24/2026, 11:53:44 AM.