What is the most common complaint against AAA Collections?

The most common issue consumers report about AAA Collections is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 115 complaints filed with the CFPB.

Are complaints against AAA Collections increasing or decreasing?

Complaints against AAA Collections have been stable. The company received 22 complaints in the last 12 months.

What is AAA Collections's reputation grade?

AAA Collections has a reputation grade of D (score: 53.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does AAA Collections respond to consumer complaints?

AAA Collections has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 34% of cases.

In how many states does AAA Collections operate?

AAA Collections has received CFPB complaints from consumers in 13 states, with the most complaints from South Dakota (68 complaints).

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

AAA Collections - Debt Collector Complaint Profile

CFPB complaint profile across 13 states, reputation grade D.

Compiled by PlainCollector

Written notification about debt

23
Attempts to collect debt not owed

20
Communication tactics

19
Took or threatened to take negative or legal action

16
False statements or representation

8
Cont'd attempts collect debt not owed

8

Data updated September 2026

CFPB complaint disposition

CCDB record aaa-collections AAA Collections

Grade D · 115 CFPB filings · 99% timely · lead issue: Written notification about debt · vol #766 · compose #3598

VOL 115
GRADE D
12MO 22
STATES 13
TIMELY 99%
DISPUTE 34%
ISSUE Written notification about…
RANK #766
COMPOSE #3,598

Volume peers

Nearest volume peer: Business & Professional Collection Service Inc (115 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

AAA Collections's 115 CFPB complaints sit next to Business & Professional Collection Service Inc on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

59.1% of AAA Collections's CFPB filings land in South Dakota

High volume does not equal a clean composite: AAA Collections is volume #766 but composite #3,598, while South Dakota dominates the geography. Corpus placement method.

Dominant state: South Dakota 59.1%; 68 of 115 filings · 13 states touched
Seasonal peak: 2016-06 14.8%; 8–15% band · 4 filings
Divergent corpus ranks: #766 volume; #3,598 composite; Cleanest-composite ladder is 2,832 places worse than volume

How does AAA Collections compare to its peers?

How does AAA Collections compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

AAA Collections National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

99%

91%

Consumer-dispute ratelower is better

34%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-01 2022-08

Issue Detail Breakdown

Issue	Complaints
Written notification about debt	23
Attempts to collect debt not owed	20
Communication tactics	19
Took or threatened to take negative or legal action	16
False statements or representation	8
Cont'd attempts collect debt not owed	8
Improper contact or sharing of info	7
Disclosure verification of debt	5
Taking/threatening an illegal action	5
Threatened to contact someone or share information improperly	4

Where do complaints against AAA Collections come from?

AAA Collections's own per-state count, not a national baseline.

South Dakota

68
North Dakota

21
Iowa

8
Illinois

3
Minnesota

3
Nebraska

3
Arizona

2
California

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for AAA Collections: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 115.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.09909909909909%.

4 peers

Know your rights before responding to AAA Collections: FDCPA rights guide · debt validation letter · rights library.

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

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

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.