CFPB Consumer Complaint Profile
AAA Auto Title Loans, LLC
What 132 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-05-15
- 132
- Total complaints
- 34
- Last 12 months
- 99.2%
- Timely response
- 14
- States affected
The verdict
Out of 3,848 financial companies in the CFPB database, AAA Auto Title Loans, LLC has accumulated 132 complaints, placing it #1172 by volume. Its on-time response rate is 99.2%, ahead of the 93% median among companies with 100+ complaints.
- #1172
- of 3,848 companies by volume
- 99.2%
- answered on time
- Payday loan, title l…
- most-complained product
- 14
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2016 | 3 |
| 2017 | 12 |
| 2018 | 10 |
| 2019 | 3 |
| 2020 | 7 |
| 2021 | 8 |
| 2022 | 17 |
| 2023 | 19 |
| 2024 | 10 |
| 2025 | 36 |
| 2026 | 7 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for AAA Auto Title Loans, LLC
132 complaints against AAA Auto Title Loans, LLC appear in the CFPB record, including 34 from the trailing year. The 14 states and territories represented put this footprint in geographically concentrated territory. "Payday loan, title loan, or personal loan" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Struggling to pay your loan," a reasonable starting point for understanding recurring friction.
AAA Auto Title Loans, LLC's timely response rate stands at 99.2%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. The company's response was formally disputed in 33.3% of resolved cases, indicating how frequently the initial fix fell short. Of complaints that were resolved, 20.5% closed with some form of monetary or non-monetary relief to the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does AAA Auto Title Loans, LLC have?
The CFPB has logged 132 complaints against AAA Auto Title Loans, LLC to date, of which 34 came in over the last 12 months.
Does AAA Auto Title Loans, LLC respond to complaints on time?
99.2% of the CFPB complaints against AAA Auto Title Loans, LLC get a response within the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for AAA Auto Title Loans, LLC?
Among all products tied to AAA Auto Title Loans, LLC, "Payday loan, title loan, or personal loan" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with AAA Auto Title Loans, LLC?
The most common issue reported by consumers about AAA Auto Title Loans, LLC is "Struggling to pay your loan." All complaint issues are listed above with their counts.
How do I file a complaint against AAA Auto Title Loans, LLC?
You can file a complaint against AAA Auto Title Loans, LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about AAA Auto Title Loans, LLC?
AAA Auto Title Loans, LLC has drawn CFPB complaints from 14 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~132)
Also handles Payday loan, title loan, or personal loan
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.