CFPB Consumer Complaint Profile

AAA Collections

Behind the 113 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.

Data updated 2026-05-15

113
Total complaints
20
Last 12 months
99.1%
Timely response
14
States affected

The verdict

113 CFPB complaints put AAA Collections at #1258 out of 3,848 financial companies ranked by complaint volume. It answers 99.1% of complaints on time - above the 93% median for companies with 100+ complaints.

#1258
of 3,848 companies by volume
99.1%
answered on time
Debt collection
most-complained product
14
states with complaints
AAA Collections timely response rate 99.1%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - Medical debt 62
Debt collection - Medical 23
Debt collection - I do not know 14
Debt collection - Other (i.e. phone, health club, etc.) 7
Debt collection - Other debt 5
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 1
Checking or savings account - Savings account 1

Top Issues

1.Written notification about debt 23
2.Communication tactics 19
3.Attempts to collect debt not owed 18
4.Took or threatened to take negative or legal action 15
5.Cont'd attempts collect debt not owed 8
6.False statements or representation 8
7.Improper contact or sharing of info 7
8.Taking/threatening an illegal action 5
9.Disclosure verification of debt 5
10.Threatened to contact someone or share information improperly 3

Complaints by Year

Year Complaints
2013 1
2014 7
2015 8
2016 11
2017 10
2018 5
2019 4
2020 3
2021 6
2022 9
2023 10
2024 17
2025 16
2026 6

Complaints by State (Top 15)

South Dakota 67
North Dakota 19
Iowa 8
Minnesota 3
Nebraska 3
Illinois 3
Arizona 2
California 2
Florida 1
New Jersey 1
Wyoming 1
Missouri 1
Georgia 1
Wisconsin 1

Company Responses

Closed with explanation 112
In progress 1

What the CFPB Complaint Record Shows for AAA Collections

113 complaints against AAA Collections appear in the CFPB record, including 20 from the trailing year. The 14 states and territories represented put this footprint in geographically concentrated territory. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. Inside that category, "Written notification about debt" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.

99.1% of CFPB-forwarded complaints against AAA Collections get a reply inside the Bureau's 15-day window. 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 34.4% of resolved cases, indicating how frequently the initial fix fell short. 0% of resolved complaints ended with some monetary or non-monetary relief for 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 Collections have?

AAA Collections has 113 total consumer complaints filed with the CFPB, with 20 filed in the last 12 months.

Does AAA Collections respond to complaints on time?

AAA Collections's CFPB timely-response rate is 99.1%. That puts it among the more responsive companies in the CFPB dataset.

What product generates the most complaints for AAA Collections?

"Debt collection" draws more CFPB complaints against AAA Collections than any other product - see the full breakdown above.

What is the most common complaint issue with AAA Collections?

"Written notification about debt" is the single most frequently cited issue in complaints against AAA Collections - see all issues and counts above.

How do I file a complaint against AAA Collections?

You can file a complaint against AAA Collections 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 Collections?

The CFPB has recorded complaints against AAA Collections from 14 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.