Business Profile

Property Insurance

A A A Automobile Club of Missouri

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Important information

Customer Complaint:
AAA Automobile Club of Missouri reflects complaints by Missouri, Louisiana, Mississippi, and Arkansas residents only. Some consumers complained that they had difficulty obtaining a refund, experienced poor customer service and long wait times, had difficulty managing automobile claims, and were sold overpriced or insufficient batteries. The company has responded to all complaints.

Complaints

This profile includes complaints for A A A Automobile Club of Missouri's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

187 total complaints in the last 3 years.
55 complaints closed in the last 12 months.

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The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:07/02/2025
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On June 25th, 2025 I was researching price quotes and this agent ***** ****** told me the prices. I was not sure and told him I am going to seek some information rather plus have a family agent that will help me with my quotes. However, I told him I was excited for the home insurance since it was a great quote, but then he stated I got to pay 200 for for car and membership. I do not need a membership and not only that they were not giving me a full coverage quote. I was only getting state limitations which was not a good quote for me to have due to if I was ever in accident to cover myself. This agent ***** went ahead to send information within my mortgage company without my permission and I never signed documentation. He then made documents in a voided statement, which makes no sense what he was doing. I never stated that I wanted things to start until July 8th which I only told him I was getting prices. I also wanted our family agent to look over the policy. I do not know why he continued to harass me or text me about the policies. I knew I did not trust him nor want to trust him. He kept blowing up my phone about the policy. He needs to be fired for processing a fake policy without my signature or authorization.
Customer Answer
Date: 07/03/2025
THEY TOOK MONEY OUT OF MY ACCOUNT WITHOUT MY APPROVAL AND WANT IT BACK OF 170 and *****. I am covered elsewhere with another carrier and been covered with my carrier for a renewal. I never signed papers and never told ***** to put my money through the system. My renewal is on the 8th of the month and will be covered by my same insurance carrier. ***** ****** did wrong as a agent and needs to be fired. He stole my money without my signature and told him multiple times i do not want his help nor AAA is not a great deal for coverage right now do to my family agent advice me on. There policy is not worth it and he screwed the policy up twice. Just refund my money back asap!
Customer Answer
Date: 07/04/2025
His manager called me and acted like he did not mistakes, but of course he would state that than wanted to say my family agent does know what she is talking about when she is been in the business of insurance for a very long time and knows he made a mistake plus the policy would not had saved me any money at all. They still owe me 170 dollars plus 36 dollars that they took from me and my family agent had to talk with mortgage company to fix everything because he was in the wrong to send anything to them without my signature on the forms. Not okay what ***** ****** did and his manager needs to understand that he was in wrong for s******* up policy plus hurry the policy up. I was in wrong for giving my payment method to him. They do not need to blame me when again I was harassed by a agent to get into a policy that I clearly told him NO I will wait until my family agent looks at it. He kept texting me and emailing me about this policy. When someone tells you I am at unease about a policy than do not push someone to get the policy because you want to make money off them to start it. A pushy agent.
Customer Answer
Date: 07/04/2025
I want my refund back immediately and my bank knows they took the money and the policy is canceled so they should refund me my money back. Not okay to not give my money and have bills to pay. They owe me 170 plus 36 dollars immediately.
Customer Answer
Date: 07/08/2025
I am still waiting for my refund back and never got apologie out of this company for starting a policy without my consent nor had documentation signed within the policy. Just want my money back immediately.
Customer Answer
Date: 07/10/2025
I have received the 170, but again they owe me money for the membership of 50 and I did not receive that in my account. Can you please make sure I get my refund back of 50.00?
Customer Answer
Date: 07/10/2025
Complaint: 23551339

I have reviewed the business' response and am rejecting it because:
I have not gotten my refund of 56 dollars back nor opened this policy.

Sincerely,

********* ********
Business Response
Date: 07/11/2025
Please see attachment for business response.
Customer Answer
Date: 07/11/2025
Complaint: 23551339

I have reviewed the business' response and am rejecting it because I have not received all of my money back from the membership refund and it is not okay to not refund my money to me on my behalf in my account. Everytime I called about refund on membership I get put in hold or with someone else stating that it is not going in your account.

Sincerely,

********* ********
Business Response
Date: 07/14/2025
Thank you for the opportunity to address Ms. ********** concerns. Please see the attached letter as our response.
Customer Answer
Date: 07/15/2025
Complaint: 23551339

I have reviewed the business' response and am rejecting it because they should had sent it back into my account not waited all this time to mail it. I do not trust mail nor have received it. Everything was taking out of my account not a personal check or anything. They should never had Started this policy and told ***** ****** that I did not want the policy. They are a very bad company.

Sincerely,

********* ********
Initial Complaint
Date:06/25/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Had an at fault accident on 3/14/2025 and was told by agent since I have not had any chargeable accidents within the last 5 years that the first chargeable accident is forgivable. This claim is the only one I have had in the past 10 years that I have been with AAA. When I got new policy information on 5/25/2025 the accident surcharge showed up. Spent hours try to talk to someone at *** and got the run-around and many no returned phone calls. No paying customer should be treated like this, and AAA should stand behind what the agent told me and remove the surcharge.
Business Response
Date: 07/01/2025
Thank you for the opportunity to address Mr. ********** concerns. Please see the attached letter as our response.
Customer Answer
Date: 07/01/2025
Complaint: 23517954

I have reviewed the business' response and am rejecting it because:
My agent told me my accident would be forgivable and not "might be forgivable" as ***** ***** indicated in his response. I've been with them for 10+ years and pay over $4,000 per year for all my policies. If *** does not make this right and remove the chargeable accident, I will look to move my insurance away from them. In my opinion they are not doing the right thing based on what has happened.

Sincerely,

***** ********
Business Response
Date: 07/08/2025
Thank you for the opportunity to address Mr. ********** concerns. Please see the attached letter as our response.
Customer Answer
Date: 07/09/2025
Complaint: 23517954

I have reviewed the business' response and am rejecting it because *** is not doing the right thing. Typical large corporation taking advantage of the small customer and not standing behind what one of their employees communicated. This is deceitful on their part they should be ashamed of their decision that they have made. If they really care about the customer that makes their business happen, they would have decided otherwise.

Sincerely,

***** ********
Initial Complaint
Date:06/02/2025
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I paid in full for rental insurance with my agent-(*. ******) that location *************************. I paid a total amount of $125.00 My apartment complex change management. My apartment complex needed AAA to change the address which I sent to my agent several times to update my information. My leasing agent asked the *** agent to update the information correct. I asking *** to pay all of my additional fees-(as of right $30). I have emails from *** to the *************** The Agent at AAA isn&#**;t filling out the application correctly which is costing me time and money.
Business Response
Date: 06/12/2025
June 5, 2025

Kerrigan Gilmore
1311 Lakeshore Dr
St. Charles MO 63303

RE: HMO000966086

Dear Ms. Gilmore,

I am writing in response to your inquiry with the Better Business Bureau (BBB) regarding the above-
mentioned tenant’s policy. Your inquiry was forwarded to my attention as a matter within my
responsibility.

In your inquiry, you expressed concern over having the management company’s name listed on the
policy. I have reviewed your information provided along with our records. I can see that your tenants
insurance policy began November 21, 2024. This policy was paid in full at that time. On April 8, 2025,
your agent, Laronda Harris, added Metro on 5th as an additional insured to the policy per your request.
On May 8, 2025, the additional insured’s name was updated to reflect their required information. A
copy of this amendment was mailed to both Metro on 5th as well as yourself. There is no balance owed
on policy #HMO000966086 at this time.

We hope this letter has been responsive to your concerns. If you have any additional questions, please
do not hesitate to contact Michael Calloway, Regional Manager, at (314) 523-7350 Ext 1066101.

Sincerely,

Jeremy Hanna
Vice President of Insurance & Membership
Automobile Club of Missouri
Customer Answer
Date: 06/13/2025
Complaint: 23407266

I have reviewed the business' response and am rejecting it because:

they are not sending the correct information to them. They need to contact Metro on 5th who needs to do this contracted policy and compensate me for the 3 months of me being charged. The agent is not putting the correct address in the system. She is not sending the right policy. It is the contracted policy that she needs to send.

Sincerely,

Kerrigan Gilmore
Business Response
Date: 06/24/2025
Thank you for the opportunity to address further concerns. Please see the attached letter as our response.
Initial Complaint
Date:05/30/2025
Type:Product Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Renewed AUTOMATICALLY a cancelled policy and unauthorized to debit my account and then did and now will key refund the money they took electronically from my accohnt
Business Response
Date: 06/04/2025
Thank you for the opportunity to address Ms. ******** concerns. Please see the attached letter as our response.
Customer Answer
Date: 06/05/2025
Better Business Bureau:

I have reviewed the business' response regarding my complaint and my bank worked the unauthorized auto pay draft for me and seems to have gotten the funds returned to my account. I am very disappointed that I was not informed that this membership was not canceled when I canceled the insurance portion. I feel that is a sneaky practice and will not recommend or use AAA again. I have filed a review relating as much. In regards to a letter being sent with an auto draft amount set up for a renewal I never received any such letter or email.
Initial Complaint
Date:05/30/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
March 3, 2025 I canceled my automobile insurance policy with ***. Since that time *** has continued to take money from checking account despite admitting that the policy was canceled. I have made several in-person visits and countless phone calls trying to resolve this matter. I have overdrafts, wasted time and gasoline because of *** negligent and fraudulent actions.
Business Response
Date: 06/04/2025
Thank you for the opportunity to address Mr. ********* concerns. Please see the attached letter as our response.
Initial Complaint
Date:05/28/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I had this happen 3 separate times for towing. I called them last night at 5:57 pm and told them I needed a tow. They said someone would be there in 45 minutes, called me back and said in an hour, then called again, said it would be 7:19pm, then called back and said they would be there at 8:09 pm. I called them back because they did not come and they said they would be there shortly. They never showed up so I had to hire a private tow company to tow me in. I want a bill adjustment on my account and a full refund of the tow charge that I had to pay.
Business Response
Date: 05/05/2025
Dear BBB,
Thank you for contacting AAA. Please forward this complaint to AAA Missouri for review and resolution.
Thank you,
AAA Member Experience
Business Response
Date: 06/03/2025
Thank you for the opportunity to review and respond to Mr. ******* ****** concerns. Uploaded is our response letter to Mr. ****** BBB correspondence. Thank you once again.
Initial Complaint
Date:05/06/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
In approximately October 2024 I cancelled my auto insurance because of ******, an employee, bad attitude while I was inquiring about my policy. I had called back afterwards to speak with the supervisor and he told me he would speak to him about the incident. Today, I called about reinstating and **** told me I was being charged $400 + dollars due to nonpayment and that needs to be paid before reinstating and that was NOT true. I cancelled the policy and shouldn't be charged.
Business Response
Date: 05/19/2025
Thank you for the opportunity to respond to Ms. ******** complaint. Please see the attached letter as our response.
Initial Complaint
Date:05/05/2025
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I took out a policy with AAA of H34303430313433**3833H for insurance. I paid them over $1000 for six months. The second policy was a little over $100. When I decided to cancel, I had only had the policy for a month. They didn&#**;t refund the full amount, they only refunded me $282.00 for the car insurance that I paid over $1000, but they refunded me almost the entire amount for the renters&#**; insurance, $95. I have received the cancelation letters and the refund check (one check) but I have not cashed it.
Business Response
Date: 05/13/2025
Thank you for the opportunity to address Ms. ******* concerns. Please see the attached letter as our response.
Customer Answer
Date: 05/16/2025
Complaint: 23288138

I have reviewed the business' response and am rejecting it because what you indicated in your response is incorrect. When I spoke with ***** *******-***** she stated that the reason my insurance was ($1055.00 ) which was higher was because I had been without insurance for ********************************* up with new insurance policy with ***. On Feb 18, 2025 the policy was started and I received a bill for additional $986.00 on March 31, 2025 for current installment insurance and the payment was due by 4-18-25. I called ***** *******-***** and left a message. So, I waited for about two weeks with no return call or response. Therefore, I called another ********** and spoke ******** investigate the situation and didn't see why *** had bill her the $986.00 and would have to talk with her manager. ***** ******-***** finally called back and told me that she had been very busy was the reason she didn't call me back. I told ***** ****** that since you have been so busy with everyone beside me then cancel my insurance-(04-13). I only received a check#********** for the amount of $282.00. I should receive additional refund for the amount of $881.17. Please advise us to resolution to this problems.

Sincerely,

***** *****
Business Response
Date: 05/22/2025
Thank you for the opportunity to address Ms. ******* further concerns. Please see the attached letter as our response.
Customer Answer
Date: 06/02/2025
Complaint: 23288138

I have reviewed the business' response and am rejecting it because: I feel that the decision that has been made by the insurance is unfair. I had been communicating with my Agent-(***** *******) didn't see why I had an increase on my insurance. I called ***** *******. I feel that I am still due a refund for the amount of $490.00 as I have already received a refund $282.00.

Sincerely,

***** *****
Initial Complaint
Date:04/18/2025
Type:Customer Service Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I feel like they were fully aware of what was going on while the rental car place (Enterprise) was haggling me. I left messages for them to get help. Enterprise had reported the car stolen but it wasn&#**;t because I had the rental car for a month. It was until my car got repaired. The issues that I had could have been prevented because they were taking longer than normal to clear the repairs for my vehicle. I want them to help me instead of cancelling my insurance and to keep my insurance with them.
Business Response
Date: 04/18/2025
Good afternoon, we have searched for this individual's membership with the Automobile Club of Missouri and were unable to locate a membership for them. We require more information to look any further. Can we get the membership number, insurance policy number and/or claim number for this complaint? Currently, with this name, partial address, phone number and listed email address, we have no matching members in our system. The Missouri ********* does not write policies for CA residents. They may be members of the ***************************************************** Please let me know if you can get further information from this consumer. Thank you.
Initial Complaint
Date:04/18/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am in receipt of a letter dated March 27, 2025 today, April 3, 2025 and I am both concerned and *********** son, ******* Thompson&#**;s membership, has been paid for and covered by me, as a family member (my son) for more than 5 years. Your H32303235**303035**32H&#**;s communication, suggesting verification of his eligibility is necessary within 30 days of the date of your letter, 82 days prior to the expiration of our membership, is weird, and I believe, in breach of contact if not fraudulent in nature. The H32303235**303035**32H is paid upfront for our membership yearly and to suggest cancel that membership prior to the end of the paid for period is an issue for me, and I seek transparency for this request.The communication does not suggest why this verification is necessary, nor does it suggest how eligibility will be measured with your receipt of my son&#**;s &#**;valid birth certificate, driver&#**;s license, passport or other valid government issued identification.&#**;The letter references a case ID number - Case ID: *****. By copy of this letter, I request information on what case had been opened with regard to my son and my account. As the letter fails to list a contact name or phone number, having an address in ********** for H34303430313433**3833H insured, I am led to believe this request may be fraudulent and made with nefarious intent. I&#**;d appreciate additional information regarding this request and look forward to your response.
Business Response
Date: 04/25/2025
Thank you for the opportunity to respond to Ms. ********** concerns. Please see the attached letter as our response.

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A A A Automobile Club of Missouri is NOT a BBB Accredited Business.