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

CFPB complaint data Grade D 115 complaints

AAA Collections - Debt Collector Complaint Profile

CFPB complaint profile across 13 states, reputation grade D.

Complaints by issue type

What consumers report about AAA Collections

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 56.7/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

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

The verdict

A reputation grade of D: AAA Collections ranks ahead of 31% of the 5,283 collectors PlainCollector grades - 69% keep a cleaner CFPB record, on 115 all-time complaints and a 99% timely-response rate.

31st pct
reputation rank of 5,283 graded collectors
115
CFPB complaints, all-time
99%
answered inside the CFPB window
22
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 Collections?

AAA Collections has accumulated 115 total CFPB complaints across 13 states, with 22 filed in the most recent 12 months against 93 historical complaints before that window. The trailing-12-month volume represents 19.1% 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 "Written notification about debt", narrowing to "Didn't receive enough information to verify debt". The company posts a 99% timely-response rate against a 34% consumer-dispute-after-response rate.

Complaints have been recorded across 13 states, led by South Dakota with 68 and North Dakota with 21. Normalized against the full CFPB collector database, the reputation score of 56.7/100 places AAA Collections in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

115

mid-volume (CCDB)

Last 12 months

22

19.1% of all-time complaints

Stable →

States active

13

regional footprint

Timely response rate

99%

excellent band

Consumer disputes

34%

high (vertical avg ~19%)

Reputation grade

D

56.7/100 composite

How does AAA Collections's reputation rank nationally?

Reputation score vs. every graded collector

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

57 31st percentile higher than 31% 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%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 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 Collections versus the debt-collection vertical average.

Timely response within SLA 99.1%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 34.4%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 23.2%

Share of US states + territories with at least one filed complaint against this collector.

How does AAA Collections compare to its peers?

How does AAA Collections compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
AAA Collections National average
Complaints (last 12 mo)lower is better
22
18
268
Timely-response ratehigher is better
99%
99%
91%
Consumer-dispute ratelower is better
34%
7%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-01 2022-08

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against AAA Collections

Across 13 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if AAA Collections contacts you

A grade of D signals how AAA Collections'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 Collections 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 Collections 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 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: 56.7/100), 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).

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.