AAA Collections Phone Harassment: How to Stop the Calls
Receiving persistent calls from AAA Collections can transform your phone from a convenience into a source of anxiety. AAA Collections is a third-party debt collection agency that purchases old debts and attempts to collect them. Understanding their specific tactics and your legal protections is the first step to stopping the harassment.
Consumer Rights Law Firm PLLC helps consumers stop illegal debt collection calls and hold abusive collectors accountable under federal law.
AAA Collections is a legitimate but often aggressive debt collector, and you have specific rights to stop their harassment.
What Makes AAA Collections Different in 2026?
In 2026, AAA Collections continues a decades-long operation, but the regulatory landscape around them has intensified. Increased scrutiny from the (CFPB) on “zombie debt” and data integrity means their reliance on sparse, outdated account information is riskier. Furthermore, modern consumers are more aware of digital documentation, making AAA Collections’ aggressive phone-based tactics easier to evidence and challenge.
While their core business model persists, 2026’s regulatory climate and tech-savvy consumers make AAA Collections’ traditional harassment tactics more legally vulnerable.
When AAA Collections Crosses the Line
The core problem arises when AAA Collections transitions from permissible collection activity to illegal harassment. This line is crossed when their communication becomes excessive, oppressive, or deceptive. Common issues include calls about debts that are too old to sue on, demanding incorrect amounts, or targeting the wrong person entirely. Their business model, based on high-volume calling, frequently leads to violations of individual consumer rights.
AAA Collections’ aggressive, volume-driven strategy often leads them to cross the legal line into harassment and abuse.
Your Federal Rights Against AAA Collections Harassment
You are protected from AAA Collections by the Fair Debt Collection Practices Act (FDCPA). This federal law prohibits debt collectors from engaging in abusive, unfair, or deceptive practices. Key rights include freedom from harassment, the right to demand verification of the debt, and the right to tell them to stop calling you. The Federal Trade Commission (FTC) enforces this law, and you can learn more about your FDCPA rights on their official site. If AAA Collections is ignoring these rights, Consumer Rights Law Firm PLLC can help you enforce them.
The FDCPA provides a powerful legal shield against AAA Collections’ most common abusive tactics.
What Constitutes Illegal Harassment by AAA Collections?
Illegal harassment by AAA Collections is any conduct meant to annoy, abuse, or coerce you into paying. Under the FDCPA, this is clearly defined.
| AAA Collections Tactics | Is It Legal? | FDCPA Law Reference |
|---|---|---|
| Using profanity or abusive language | Illegal. Harassment is prohibited. | 15 U.S.C. § 1692d(2) |
| Calling before 8:00 a.m. or after 9:00 p.m. | Illegal. Calls outside these hours violate the law. | 15 U.S.C. § 1692c(a)(1) |
| Calling you multiple times per day | Often Illegal. Can constitute harassment. | FTC Debt Collection Guidance |
| Telling a third party (e.g., family, coworker) about your debt | Illegal, with narrow exceptions for location info. | 15 U.S.C. § 1692c(b) |
| Threatening to sue, harm you, or destroy your credit if they cannot or will not take that action | Illegal. False or misleading representations. | 15 U.S.C. § 1692e(5) |
| Failing to send a written validation notice within 5 days of first contact | Illegal. Violates your right to be informed. | 15 U.S.C. § 1692g(a) |
Specific behaviors like frequent calls, threats, and privacy violations are not just annoying—they are illegal FDCPA violations by AAA Collections.
Source: 15 U.S. Code § 1692d, 15 U.S. Code § 1692c, 15 U.S. Code § 1692e, 15 U.S. Code § 1692g, Federal Trade Commission
New Trends in Collection Tactics
The debt collection industry is evolving, and AAA Collections’ tactics are adapting within new legal boundaries.
Increased “Spoofing”: Calls may appear on caller ID from local South Dakota area codes (like 605) or even mimic non-collection numbers to increase answer rates. The FCC provides resources on combating caller ID spoofing.
Focus on Time-Barred Debt: With fresh enforcement from the CFPB, collectors face heightened risk when pursuing very old debts. The FTC has specific advisories on time-barred debt.
Blended Communication: Expect more contact attempts across multiple channels—calls, emails, text messages—sometimes in close succession, testing the limits of what constitutes harassment.
In 2026, AAA Collections may use more technologically savvy and legally nuanced tactics, making documentation and verification more critical than ever.
Real BBB Complaints Against AAA Collections, Inc.
| Date | Complaint Summary | Consumer Concern | Business Response |
|---|---|---|---|
| 08/07/2025 | Confiscation of Vehicle Without Proper Contact | Consumer reported a sheriff seized their vehicle over a ~$2,200 medical debt without proof of prior contact. They said AAA refused to provide information and hung up. | AAA stated they sent 13 letters and made 75 calls since 2018 and had court judgment due to no response. They denied wrongdoing and asked for complaint dismissal. |
| 11/05/2024 | Process Server After Payment Made | Consumer claimed they paid medical debt after contacting AAA, but then received small claims paperwork and was told they owed additional legal fees. | AAA explained the small claims case had already been filed before payment was received and said they would review whether courthouse charges could be written off. They denied any wrongdoing. |
Source: Better Business Bureau
Known AAA Collections Phone Numbers
Keep track of incoming calls; documenting them strengthens your case.
| Phone Number Formats | Notes |
|---|---|
| 605-339-1333 | Known AAAC number |
| 800-611-7371 | Toll-free AAAC line |
| 605-978-9668 | Known AAAC number |
| (605) 339-1333 | Alternate formatting |
| (800) 611-7371 | Alternate formatting |
| (605) 978-9668 | Alternate formatting |
| 6053391333 | Unformatted, same as above |
| 8006117371 | Unformatted toll-free |
| 6059789668 | Unformatted |
Callers may use new or spoofed numbers. Always document any call you receive.
Decoding Aggressive AAA Collections Voicemails
The Vague “Callback” Message: “This message is for [Your Name]. Please return my call regarding a personal business matter. My number is 800-611-7371.” They intentionally omit their debt collector identity.
The “Final Notice” Warning: “This is your final notice from AAA Collections before we escalate this matter to our legal department. Call us immediately.” This is often an empty threat used repeatedly.
The “Account Review” Ploy: “We need to complete a mandatory review of your account file. Failure to contact us will result in a default decision.” This misrepresents the nature of the communication.
Their voicemails are crafted to sound official and ominous while carefully avoiding legally required disclosures until you call back.
Step 1: Verify the AAA Collections Caller Legitimacy
Is it really AAA Collections or a scammer? Follow this guide:
Ask for Details: Request the caller’s full name, the company’s complete name (“AAA Collections”), and their official mailing address.
Hang Up & Research: Do not call back a number provided in the moment. Independently search for AAA Collections’ contact information.
Check Your Credit Report: Pull your free report at AnnualCreditReport.com to see if AAA Collections has placed a hard inquiry or collection account.
Demand the Validation Notice: A legitimate collector is legally required to send a written notice within 5 days. If they resist, it’s a major red flag.
Always independently verify the caller. Scammers impersonate real agencies, and legitimate collectors must follow specific rules.
Step 2: Document Every AAA Collections Interaction
Create a harassment log. For every call from numbers like 605-339-1333, 800-611-7371, or 605-978-9668, note:
Date, time, and phone number
Name of the representative
A summary of the conversation
Save all voicemails and keep copies of every letter they send or you send to them.
Meticulous documentation transforms your claim of harassment into a provable legal case against AAA Collections.
Step 3: Formally Dispute or Demand Verification
Within 30 days of their first contact, send a Debt Validation Letter via certified mail. Demand that AAA Collections provide proof:
That you owe the debt
That they have the legal right to collect it
An itemized accounting of the amount
By law, they must pause all collection activity until they provide this verification. The CFPB offers sample dispute letters.
A timely validation letter forces AAA Collections to prove their claim or stop collecting.
Step 4: Send a Formal Cease and Desist Letter
If harassment continues, send a Cease and Desist Letter via certified mail. Clearly state that you are invoking your rights under FDCPA § 1692c(c) and demand that all communication cease. Upon receipt, they may only contact you to confirm they are stopping or to notify you of specific legal actions.
A certified cease and desist letter is a powerful legal command that can silence AAA Collections’ phones for good.
Building a Case Against AAA Collections
A strong case requires more than your word. Your evidence file should include:
The complete call log and notes
Certified mail receipts for your letters
Saved voicemails (digital files or transcripts)
Copies of all correspondence from AAA Collections
Copies of your credit reports showing their inquiry or listing
Organized, concrete evidence is the foundation for any successful complaint or lawsuit against AAA Collections.
Reporting AAA Collections
If AAA Collections violates the law, report them to government enforcers:
(CFPB): File a complaint online. The CFPB forwards complaints to the company and may use them for investigations.
Federal Trade Commission (FTC): Report the harassment at Official sites.
Your State Attorney General: File a complaint with the AG’s office in your state and in South Dakota, where AAA Collections is based.
Official complaints create a public record, pressure the agency, and contribute to larger enforcement actions.
From Illegal Calls to Legal Wins
AAA Collections has a documented history of consumers fighting back successfully. Past federal lawsuits include:
| Case Name | Case Number | Court / Jurisdiction | Notes |
|---|---|---|---|
| DuMarce v. AAA Collections | 4:94-cv-04036 | U.S. District Court | Historical case from 1994 involving debt collection practices |
| Hargis, et al v. AAA Collections | 2:00-cv-00074 | U.S. District Court | Early 2000s case; multiple plaintiffs alleging collection violations |
| Friederichs v. AAA Collections | 0:10-cv-03255 | U.S. District Court | 2010 case; related to debt collection harassment |
| Kuntz v. AAA Collections | 1:18-cv-00017 | U.S. District Court | Recent 2018 case; likely involving FDCPA claims |
These cases, accessible via Pacer.gov, show a pattern where consumers have alleged FDCPA violations and sought damages.
Previous lawsuits demonstrate that consumers can and do take legal action against AAA Collections for harassment—and win.
Consumer Rights Law Firm PLLC
You should contact an attorney when the harassment is overwhelming, when AAA Collections ignores your cease and desist letter, or when you suspect clear FDCPA violations (like threats or calls at prohibited hours).
Consumer Rights Law Firm PLLC specializes in stopping debt collection harassment. We analyze the calls, handle all communication, and file lawsuits to make the harassment stop, seek statutory damages for you, and recover attorney’s fees from the collector. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.
When self-help steps aren’t enough, a consumer rights attorney can provide the expertise and leverage to finally end AAA Collections’ harassment.
Success Stories
Hands down worth all 5 stars! Everything that Scott said would happen, happened! He said the calls would stop, the calls stopped. He said no money out of pocket for their services and no money out of my pocket was spent. No more harassing calls, my credit report is being updated, and I’m getting money back! It’s a win-win! Highly recommend if you get a call from this firm, answer it! So worth it!
Matthew was so helpful. This company was amazing. We were being hassled up to 10 times a day for a bill that was less than $1000. The person who had our account was nasty and EXTREMELY unprofessional. I sought out help from Consumer Rights Law Firm and within 45 days we had relief. So grateful to Matt for his help and professionalism. He kept us informed with every step and fulfilled everything that he said. Very grateful. Thank you
FAQ:
1. How to stop harassing calls from collection agencies?
You can stop harassing calls by knowing your rights under the FDCPA, documenting each call, requesting written validation of the debt, and contacting a consumer rights attorney to enforce legal protections against abusive collection practices.
2. How can I stop collection agencies from calling me?
You can request in writing that the collection agency cease calls. Under the FDCPA, they must stop contacting you once they receive this request, except to notify you of legal action or other permitted communications.
3. What happens if you never pay collections?
Unpaid collections can be reported to credit bureaus, affect your credit score, and result in lawsuits, wage garnishments, or liens if the collector obtains a judgment. However, collectors cannot harass you illegally to collect the debt.
4. Is AAA Collections a scam?
No, AAA Collections has been in business for 54 years and is a legitimate third-party debt collector. Complaints may exist, but the company is recognized by the Better Business Bureau.
5. Can AAA Collections garnish my wages?
Yes, AAA Collections can garnish wages if they have a valid court judgment or for certain federal debts like student loans. They must follow legal procedures and cannot garnish wages without proper authorization.
6. Can AAA Collections sue me?
Yes, AAA Collections can sue you for debts within the statute of limitations. They must file in court, and you have the right to dispute or defend against any lawsuit through the legal process.
7. Can AAA Collections report my debt to credit bureaus?
Yes, AAA Collections can report your unpaid debt to credit bureaus. This may impact your credit score, but they must accurately report the information and follow applicable reporting rules.
8. Can AAA Collections arrest me?
No, debt collectors cannot arrest you for unpaid debt. Only a court can issue orders, and arrests are only possible for certain legal violations like unpaid child support or court orders.
9. What collection tactics by AAA Collections are illegal?
Using profanity, calling before 8 a.m. or after 9 p.m., repeatedly calling, discussing your debt with others, threatening harm, or attempting to collect more than legally allowed are illegal under the FDCPA.
10. How can Consumer Rights Law Firm PLLC assist with AAA Collections?
Consumer Rights Law Firm PLLC helps stop harassment from AAA Collections by enforcing your rights under the FDCPA, guiding dispute resolution, and taking legal action if the collector violates consumer protection laws.
