Total CFPB complaints
111
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 111 complaints
AAA Collections — Debt Collector Complaint Profile
CFPB complaint profile across 13 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about AAA Collections
- Written notification about debt
Written notification about debt
23 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
15 complaints
- Communication tactics
Communication tactics
13 complaints
- Improper contact or sharing of info 6
Improper contact or sharing of info
6 complaints
- False statements or representation 6
False statements or representation
6 complaints
- Disclosure verification of debt 5
Disclosure verification of debt
5 complaints
D
Grade D · 56.7/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about AAA Collections?
AAA Collections has accumulated 111 total CFPB complaints across 13 states, with 20 filed in the most recent 12 months against 91 historical complaints before that window. The trailing-12-month volume represents 18.0% 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 "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 34% 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 13 states, led by South Dakota with 66 and North Dakota with 19, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.7/100 places AAA Collections in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
20
18.0% of total history
Rising ↑
States active
13
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
34%
After company response
Reputation grade
D
56.7/100 composite
Response-quality profile
How AAA Collections performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 68.8%
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?
AAA Collections 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)
2023-08 2026-03
Top Consumer Issues
Written notification about debt23 (%)
Attempts to collect debt not owed15 (%)
Communication tactics13 (%)
Improper contact or sharing of info6 (%)
False statements or representation6 (%)
Disclosure verification of debt5 (%)
Took or threatened to take negative or legal action4 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
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 |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 15 |
| Attempts to collect debt not owed | Debt is not yours | 8 |
| Written notification about debt | Didn't receive notice of right to dispute | 8 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 7 |
| Attempts to collect debt not owed | Debt was paid | 7 |
| Improper contact or sharing of info | Talked to a third party about my debt | 6 |
| Communication tactics | Frequent or repeated calls | 6 |
| False statements or representation | Attempted to collect wrong amount | 6 |
| Disclosure verification of debt | Not given enough info to verify debt | 5 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 4 |
Where do complaints against AAA Collections come from?
The states where consumers have filed the most CFPB complaints against AAA Collections. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against AAA Collections
Across 13 states with at least one filing
- South Dakota
South Dakota
66 complaints
- North Dakota 19
North Dakota
19 complaints
- Iowa 8
Iowa
8 complaints
- Minnesota 3
Minnesota
3 complaints
- Nebraska 3
Nebraska
3 complaints
- Illinois 3
Illinois
3 complaints
- Arizona 2
Arizona
2 complaints
- California 2
California
2 complaints
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 111 complaints filed with the CFPB.
Are complaints against AAA Collections increasing or decreasing? ▼
Complaints against AAA Collections are rising. The company received 20 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is AAA Collections's reputation grade? ▼
AAA Collections has a reputation grade of D (score: 56.7/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (66 complaints).
What can I do if AAA Collections 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 Collections 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 |