Total CFPB complaints
25
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 25 complaints
AAA Auto Title Loans, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 6 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about AAA Auto Title Loans, LLC
- Communication tactics
Communication tactics
6 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
6 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
3 complaints
- False statements or representation 2
False statements or representation
2 complaints
- Threatened to contact someone or share information improperly 2
Threatened to contact someone or share information improperly
2 complaints
C
Grade C · 62.3/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about AAA Auto Title Loans, LLC?
AAA Auto Title Loans, LLC has accumulated 25 total CFPB complaints across 6 states, with 6 filed in the most recent 12 months against 19 historical complaints before that window. The trailing-12-month volume represents 24.0% 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 "Communication tactics", narrowing to "Frequent or repeated calls", 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 40% 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 6 states, led by Arizona with 11 and Nevada with 8, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 62.3/100 places AAA Auto Title Loans, LLC in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
6
24.0% of total history
Rising ↑
States active
6
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
40%
After company response
Reputation grade
C
62.3/100 composite
Response-quality profile
How AAA Auto Title Loans, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 80.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 10.7%
Share of US states + territories with at least one filed complaint against this collector.
How does AAA Auto Title Loans, LLC compare to its peers?
AAA Auto Title Loans, … 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)
2016-06 2026-02
Top Consumer Issues
Communication tactics6 (%)
False statements or representation2 (%)
Attempts to collect debt not owed6 (%)
Took or threatened to take negative or legal action3 (%)
Threatened to contact someone or share information improperly2 (%)
Most common issue: Communication tactics — Frequent or repeated calls
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 |
|---|---|---|
| Communication tactics | Frequent or repeated calls | 4 |
| Communication tactics | Used obscene, profane, or other abusive language | 2 |
| False statements or representation | Attempted to collect wrong amount | 2 |
| Attempts to collect debt not owed | Debt is not yours | 2 |
| Attempts to collect debt not owed | Debt was result of identity theft | 2 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 2 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 1 |
| Took or threatened to take negative or legal action | Collected or attempted to collect exempt funds | 1 |
| Threatened to contact someone or share information improperly | Contacted you after you asked them to stop | 1 |
Where do complaints against AAA Auto Title Loans, LLC come from?
The states where consumers have filed the most CFPB complaints against AAA Auto Title Loans, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against AAA Auto Title Loans, LLC
Across 6 states with at least one filing
- Arizona
Arizona
11 complaints
- Nevada
Nevada
8 complaints
- Texas 2
Texas
2 complaints
- Wisconsin 1
Wisconsin
1 complaints
- Utah 1
Utah
1 complaints
- Arkansas 1
Arkansas
1 complaints
Frequently Asked Questions
What is the most common complaint against AAA Auto Title Loans, LLC? ▼
The most common issue consumers report about AAA Auto Title Loans, LLC is "Communication tactics", specifically "Frequent or repeated calls". This is based on 25 complaints filed with the CFPB.
Are complaints against AAA Auto Title Loans, LLC increasing or decreasing? ▼
Complaints against AAA Auto Title Loans, LLC are rising. The company received 6 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is AAA Auto Title Loans, LLC's reputation grade? ▼
AAA Auto Title Loans, LLC has a reputation grade of C (score: 62.3/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does AAA Auto Title Loans, LLC respond to consumer complaints? ▼
AAA Auto Title Loans, LLC has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 40% of cases.
In how many states does AAA Auto Title Loans, LLC operate? ▼
AAA Auto Title Loans, LLC has received CFPB complaints from consumers in 6 states, with the most complaints from Arizona (11 complaints).
What can I do if AAA Auto Title Loans, LLC 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 AAA Auto Title Loans, LLC 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 |