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

CFPB complaint data Grade C 27 complaints

AAA Auto Title Loans, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 6 states, reputation grade C.

Complaints by issue type

What consumers report about AAA Auto Title Loans, LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 62.3/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

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

The verdict

A reputation grade of C: AAA Auto Title Loans, LLC ranks ahead of 50% of the 5,283 collectors PlainCollector grades - 50% keep a cleaner CFPB record, on 27 all-time complaints and a 100% timely-response rate.

50th pct
reputation rank of 5,283 graded collectors
27
CFPB complaints, all-time
100%
answered inside the CFPB window
6
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 AAA Auto Title Loans, LLC?

AAA Auto Title Loans, LLC has accumulated 27 total CFPB complaints across 6 states, with 6 filed in the most recent 12 months against 21 historical complaints before that window. The trailing-12-month volume represents 22.2% 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 "Frequent or repeated calls". The company posts a 100% timely-response rate against a 40% consumer-dispute-after-response rate.

Complaints have been recorded across 6 states, led by Arizona with 11 and Nevada with 10. Normalized against the full CFPB collector database, the reputation score of 62.3/100 places AAA Auto Title Loans, LLC in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

27

low-volume (CCDB)

Last 12 months

6

22.2% of all-time complaints

Stable →

States active

6

regional footprint

Timely response rate

100%

excellent band

Consumer disputes

40%

high (vertical avg ~19%)

Reputation grade

C

62.3/100 composite

How does AAA Auto Title Loans, LLC's reputation rank nationally?

Reputation score vs. every graded collector

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

62 50th percentile higher than 50% 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%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 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

AAA Auto Title Loans, LLC versus the debt-collection vertical average.

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) 40.0%
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?

How does AAA Auto Title Loans, LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
AAA Auto Title Loans, … National average
Complaints (last 12 mo)lower is better
6
0
268
Timely-response ratehigher is better
100%
67%
91%
Consumer-dispute ratelower is better
40%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2021-10 2025-12

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 8
Communication tactics - 7
Took or threatened to take negative or legal action - 4
False statements or representation - 2
Threatened to contact someone or share information improperly - 2
Written notification about debt - 1
Disclosure verification of debt - 1
Improper contact or sharing of info - 1
Taking/threatening an illegal action - 1

Where do complaints against AAA Auto Title Loans, LLC come from?

AAA Auto Title Loans, LLC's own per-state count, not a national baseline.

Top states by complaints against AAA Auto Title Loans, LLC

Across 6 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if AAA Auto Title Loans, LLC contacts you

A grade of C signals how AAA Auto Title Loans, LLC'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 AAA Auto Title Loans, LLC 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 AAA Auto Title Loans, LLC 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 AAA Auto Title Loans, LLC? ▼

The most common issue consumers report about AAA Auto Title Loans, LLC is "Attempts to collect debt not owed", specifically "Frequent or repeated calls". This is based on 27 complaints filed with the CFPB.

Are complaints against AAA Auto Title Loans, LLC increasing or decreasing? ▼

Complaints against AAA Auto Title Loans, LLC have been stable. The company received 6 complaints in the last 12 months.

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), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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).

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.