Complaints

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:11/05/2024

  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.

  AAA Collections held a couple of medical bills for me that I am still working with insurance to pay. I received certified mail from AAA and realized they were likely going to start the small claims process, so I called them, found out my balance, and had a check cut for the medical bills plus some of their fees (while I wait to be reimbursed by insurance). Today, a process server showed up at my house and handed me small claims paperwork from AAA. This was surprising to me because AAA should have already received my payment. I called AAA, spoke with the gal I made arrangements with two weeks ago, and asked her if she had received my payment. She said yes and that they had notified the clerk of courts that the case needed to be dismissed. This gal then told me that because the process server had delivered paperwork (even after the bills had been paid) I would be responsible for additional legal fees. This is negligence on AAA's part and not something that I should be responsible for.

  

  Business Response

  Date: 11/06/2024

  AAA Collections, Inc
  PO Box 881
  Sioux Falls, SD  57101-0881
  
  November 6, 2024
  Better Business Bureau
  
  RE; Consumer complaint******** ****                                    
  File No*********
  
  Dear BBB.
  Complaint filed by Mr. ******,
  The accounts listed in our office date
  back to November of 2022; we started legal work in September 2024, and e-filed
  the small claims pleadings to the clerk of courts on October 1, when Mr. ******
  contacted our office and paid his account on October 28, the small claims were
  already in the clerk's hands, we can hold on the account and see what the
  chargers will be from the court house for sending out the small claims
  documents. We will review to see if these are charges we can write off.
  If Mr. ****** wants to follow up with
  our office in a few days, we will discuss the account further.
  AAA Collections has thoroughly
  reviewed this account, and there has been no wrongdoing. Accordingly, AAA
  Collections asks that this complaint be dismissed. 
  If I can further assist, don't
  hesitate to contact me at ###-###-####. Thank you
  A thorough review of this account has
  been done, and there has been no wrongdoing by AAA Collections. Accordingly,
  AAA Collections asks that this complaint be dismissed. 
  If I may be of further assistance,
  don't hesitate to get in touch with me at ###-###-####. Thank you
  Best Regards,
  ***** ******
  Vice President of Operations.
  AAA Collections, Inc.
  PO Box 881
  Sioux Falls, SD  57101
  
  
  
  

• Initial Complaint

  Date:07/01/2024

  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.

  Ambulance transport by city upon VA medical Dr Orders

  

  Business Response

  Date: 07/08/2024

  AAA
  Collections, Inc.
  Po Box 881
  Sioux Falls,
  SD 57101-0881
  
  July 8, 2024
  
  BBB CASE #********
  
  RE: Consumer
  BBB complaint – ******* ******
  
  Dear BBB
  office
  
  We have
  reviewed the complaint filed by ******* ******. He feels that since the VA
  requested ambulance transport, he should not need to pay; however, since the VA
  called for the ambulance, *** ****** should work with the VA on how this
  balance should be paid, or *** ****** will need to submit it to his insurance.
  At this time, we will still be showing that this balance is owed by *** ******.
  
  A thorough
  review of this account has been done, and there has been no wrongdoing by AAA
  Collections. AAA Collections asks that this complaint be dismissed.  
  
  Don't
  hesitate to contact me at ###-###-#### if I need further assistance. Thank you
  
  Best
  Regards,
  
  ***** ******
  ###-###-####
  Vice
  President of Operations.
  AAA
  Collections Inc.
  PO Box 881
  Sioux Falls,
  SD  57101
  
  
  This is an attempt to collect a debt by a debt collector.
  Any information obtained will be used for that purpose.

  Customer Answer

  Date: 07/08/2024

  VA instructed me to call 911, City of Sioux City provided necessary VA and insurance information, VA will not approve any charges above what is determined to be acceptable

• Initial Complaint

  Date:04/19/2024

  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.

  People are rude and unprofessional, acting manager *** ***** referred to me as crazy "that's all in your head sir"
  Refusal of settlement of bill after offering multiple times to do so
  I don't see the actions of this company to be fair or professional they are garnishing my wages and I just want it to stop

  

  Business Response

  Date: 04/23/2024

  Please review attached letter. 

   

  If you have any questions, please contact me at *************

  ***** ******

  

  Business Response

  Date: 04/23/2024

  Please review attached letter. 

   

  If you have any questions, please contact me at *************

  ***** ******

• Initial Complaint

  Date:05/05/2023

  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 spoke with aaa collections multiple times over the last year and a half in regards to my bill with them. * **** *** **** ** ****** ** *** **** *** *** ** *** *** *** ******* ****** ***** *** ***** ** ***** ******** ** **** ****** *** ******** *** ***** I have had a lot going on and have I attempted multiple times to set up a payment plan I could afford ( we all know times have been hard on everyone the passed few years) they declined every time insisted I paid $** to $*** more then I could afford. And when I paid what I told them I could $*** a month until early next year when I can pay in full they still attempted to put a judgement on me as well as threaten garnishment. Because I cannot afford to be garnished and couldn’t afford the $*** they were demanding (to ensure no garnishment) I was forced to pay the $******* on 2 credit cards that I will now be paying **% interest on. I tried to use my **** ****** card for no interest and they do not accept that. They left me with no choice but to charge in full today to ensure they didn’t garnish me and cause me to be unable to pay my other bills and feed my children. I tried to settle with them multiple times also to pay off sooner and even then they would only offer a couple hundred off with no room for negotiation or understanding to what someone is going through. They also refused to send any documentation of the refusal lot accept a payment plan I could afford.

  

  Business Response

  Date: 05/11/2023

  AAA
  Collections, Inc
  ** *** ***
  
  ***** ****** **  **********
  May 8th, 2023
  Better Business Bureau
  
  RE; Consumer complaint-Somer ********                                    
  File No:********
  
  Dear BBB.
  We have reviewed the complaint filed by Ms. ******** and
  would like to share that this account was listed with our office over a year
  ago; it is for services provided in January 2021. We have sent several letters
  and made numerous calls, with her always hanging up on us. In January of 2023,
  she did call our office, saying she would call us back on the first of February
  to pay $****. with her HSA card; however, she never returns our calls after
  this date.
  AAA Collections, Inc is more than willing to assist
  consumers in repaying these debts with a monthly payment plan if the plan is
  within our matrix. We encourage the consumers if they can't set up an agreeable
  payment arrangement in-house, we are more willing to accept any payment amount
  they take upon themselves to send it in; if Ms. ******** had taken this
  advantage when the account was first placed, we would not have moved forward
  with our collection actions; I am happy to share we do have a zero balance, so
  we won't need to contact her in the future for this account.
  A thorough review of this account has been done, and there
  has been no wrongdoing by AAA Collections. Accordingly, AAA Collections asks
  that this complaint be dismissed. 
  If I may be of further assistance, don't hesitate to get in
  touch with me at *************. Thank you
  Best
  Regards,
  Chris ******
  Vice
  President of Operations.
  AAA
  Collections of the Midwest.
  ** *** ***
  ***** ****** **  *****
  
  THIS IS AN ATTEMPT TO COLLECT A DEBT BY A DEBT COLLECTOR.
  ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

  Customer Answer

  Date: 05/12/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: as I stated I was unable to afford the payment plans offered within there matrix therefore they were unwilling to accept what I could do as an acceptable arrangement. As far as the $**** I stated from my hsa card to be paid beginning of 2021. Like * ********** ****** ** ****** ************ ****** **** ** *** **** ** * ********* **** * *** * *** **** ******** ****** ***** ** ****** **** **** ******** *** ****** ** **** ** ********** **** ********** *** ******* **** ** *** *** ****** ** **** * ****** *** ** ***** I was more than willing to pay when able and if an arrangement I could have afforddd would have been offered I would have completely stuck with it. Instead every time I called and offered $** to $*** a month I was met with well collections may cont that’s not a suitable arrangement. And as I stated as well the only reason the balance is at 0 now is your forced me to put it on a credit card with **% interest bc I could not afford the payments you were requesting. And your rep stated if I didn’t pay the requested amount I may be garnished which I clearly could not afford either.
  
  
  
  Sincerely,
  
  
  
  Somer ********

  

  Business Response

  Date: 05/19/2023

  AAA
  Collections, Inc
  ** *** ***
  
  ***** ****** **  **********
  May 19th, 2023
  Better Business Bureau
  
  RE; Consumer complaint-Somer ********                                    
  File No:********
  
  Dear BBB.
  Complaint filed by Ms. ********,
  We are sorry Ms. ******** feels she needs to reject our
  response; since the State of ** has guidelines on how long we can collect past
  due balance, we must have some matrix to help the business who has offered
  their services to be paid for them, if Ms. ******** had started paying once
  these charges were incurred in 2021 at the $*** she mentions in this letter,
  she would have had this balance paid in full by the time she filed this
  complaint with our office.
  A thorough review of this account has been done, and there
  has been no wrongdoing by AAA Collections. Accordingly, AAA Collections asks
  that this complaint be dismissed. 
  If I may be of further assistance, don't hesitate to get in
  touch with me at *************. Thank you
  Best
  Regards,
  Chris ******
  Vice
  President of Operations.
  AAA
  Collections of the Midwest.
  ** *** ***
  ***** ****** **  *****
  
  THIS IS AN ATTEMPT TO COLLECT A DEBT BY A DEBT COLLECTOR.
  ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

• Initial Complaint

  Date:05/03/2023

  Type:Billing 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.

  I was contacted today by AAA collections around 11:15 A.M. Collector said I owed debt and I told her I already have a payment plan set up for the debt owed. She told me that was only temporarily (unknown to me, I thought payments have been being made. She said the temporary payment plan was only for 6 months. I asked to set up another arrangement and she said that I would have to pay 7 times the amount I was paying before. If I couldn’t do the amount she offered, she can’t help it going to the “next level” I asked her what that meant, and if she was threatening suing me. She couldn’t tell me what the next level meant. I want to work on a payment plan but they are not willing to set up an automatic payment plan for me. I have worked with collections before, and by far this is the hardest collection company to work with. This is the first time that a collection company will not take money from me. They said if I wanted to make a payment, I can go online to make the payment but again, it will be taken to the “next level”. The mental games that are played are horrible for my mental health. I get scared to answer their calls as I know I will be left in tears at my desk.

  

  Business Response

  Date: 05/09/2023

  Letter attached. 

  Customer Answer

  Date: 05/09/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
   
  I was not able to view a response. Can they send it again? 
  
  
  Sincerely,
  
  
  
  Meghan *****

  

  Business Response

  Date: 05/10/2023

  May 8th, 2023
  Better Business Bureau
  
  RE; Consumer complaint-Meghan *****
  File No: ********
  
  Dear BBB.
  We have reviewed the complaint filed Ms. *****.
  The balance of Ms. ******* account owing for service dates
  going back to 2018, with a total owing outstanding amount of $********; if Ms.
  ***** makes $** a month payments, we need to set up payments for the next eight
  years, this is not acceptable arrangements that we will set up in our office,
  and without acceptable arrangements, it might be necessary for us to secure a
  Judgment, this will give our office a more extended timeframe to collect these
  past due balances, in no means we would return any payments to Ms. ***** if she
  chooses to send them in upon herself, we want to advise that unless we have a
  payment that is within our payment matrix, we could continue with our
  collection efforts, The last payment Ms. ***** made to our office was in May
  2022.
  A thorough review of this account has been done, and there
  has been no wrongdoing by AAA Collections. Accordingly, AAA Collections asks
  that this complaint be dismissed. 
  If I may be of further assistance, don't hesitate to get in
  touch with me at *************. Thank you
  Best
  Regards,
  Chris ******

   

  Customer Answer

  Date: 05/10/2023

  
  
  Better Business Bureau:
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have reached out to Chris for a call back to work on a resolution. I left her a voicemail on 5/10/2023.
  
  
  
  Sincerely,
  
  
  
  Meghan *****

• Initial Complaint

  Date:03/14/2023

  Type:Billing 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.

  I set up a payment plan of $*** a month. In Jan payments stopped and I didn't notice. I am now being threatened with a lawsuit since I can't pay over triple of what was agreeded upon. The lady kept telling me that it was temporary payments and I needed to increase it. Never was I told that I was going to have to increase the payments to something I can't afford or that it was a temporary amount.

  

  Business Response

  Date: 03/14/2023

  Our office will review this complaint and will get back with you shortly. 

   

  Chris 

  Customer Answer

  Date: 03/14/2023

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  Brittney ******

• Initial Complaint

  Date:03/09/2023

  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.

  AAA collections call my phone at 5:51 PM on March 8, 2023. The collections agent named Ramos, or Carlos, gave my information to someone who he verified by only by asking the first name he breached HIPPA. I would like an apology formally sent to my email and no further calls from AAA.

  

  Business Response

  Date: 03/15/2023

  A thorough review of this account has been done, and there
  has been no wrongdoing by AAA Collections. Accordingly, AAA Collections asks
  that this complaint be dismissed.  

  Chris 

  Customer Answer

  Date: 03/15/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: I have a recording of the call directly showing the agent violating HIPAA. Is AAA requesting that I upload this documentation directly to the BBB or would they like to reach out to me directly?
  
  
  
  Sincerely,
  
  
  
  Zack ******

  

  Business Response

  Date: 03/20/2023

  Per requested by Mr. ******, we have been trying to get ahold of him to explain the call, we do also have the recording off all three of the calls and as stated prior, our compliance office has reviewed them. 

  If Mr. ****** would like to call our office and ask for Pam * she will be happy to help discuss the account with him.
  

  Best wishes

  Chris ******

  AAA Collections, Inc.

   

   

• Initial Complaint

  Date:02/08/2023

  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 received notification by mail on 1/30/23 from AAA collections that I owe them $******* for medical bills that were not paid from at least 2 years ago. I have only ever received 1 phone call and I requested more information as I thought insurance covered all of my medical bills. I did have a time where I had ** ***** my insurance and it took a while for ******* to receive payment. After payment was sent by insurance I never received any further notification, The person that called from AAA *** **** **** *** stated he did not have to provide me with anything and I just needed to get off my **** and pay. If I truly owe AAA collections why did it take them over a year to contact me and now they want to add a bunch of fees. * **** *** ****** **** ** *** **** **** **** **** ** **** *** *** **** **** *** *********  Is this even legal?

  

  Business Response

  Date: 02/09/2023

  February 9, 2023
  
  Better Business Bureau
  
  
  
  RE; Consumer complaint-Karen ******
  
  File No:*********
  
  
  
  Dear BBB.
  
  We have reviewed the complaint filed by Ms. ******. The lines we are assisting on are from ******* *** ********** *********** *** has the service date from March 2021 through August 2021; the first account placed in our office was October 2021. The last account was in February 2022. Since these accounts were listed in our office, we have sent eleven validation letters and one reminder, with none of these letters being returned to our office; we also have tried to call her 25 times.
  
  Included, you will find her signed Statement of Financial Responsibility and Release of Information, along with the itemized statements for all eleven accounts; you will see insurance has been shared with these clients, and they have submitted and received payments and adjustments, if Ms. ****** feels her insurance should cover more of these bills, she will need to contact her insurance company, with questions on communication with her, we show we have attempted several times with no response from the patient.
  
  A thorough review of this account has been done, and there has been no wrongdoing by AAA Collections. Accordingly, AAA Collections asks that this complaint be dismissed.
  
  If I may be of further assistance, don't hesitate to get in touch with me at *************. Thank you
  
  Best Regards,
  
  Chris ******
  
  Vice President of Operations.
  
  AAA Collections of the Midwest.
  
  ** *** ***
  
  ***** ****** ** *****
  
  
  *** **************** ** ****** **********

  Customer Answer

  Date: 02/10/2023

  (The consumer indicated he/she DID NOT accept the response from the business.)
  
  I would like proof of contact attempts as I only know of 1 phone call and only received a mailed notice dated 1/30/23. * **** **** ******* **** ** ****** ******** ** **** **** *** ** ****** I am also waiting on information from the hospital which they are sending.

  Customer Answer

  Date: 03/02/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: The last insurance payment had not been made at the time stated in AAA's response. I show insurance payments in May of 2022. I had ** ***** insurance so things took longer to get settled. Also I requested proof of trying to be contacted and received nothing.
  
  
  
  Sincerely,
  
  
  
  Karen ******

  

  Business Response

  Date: 03/14/2023

  March 14, 2023
  Better Business Bureau
  
  RE; Consumer complaint-Karen ******                                    
  File No: ********
  
  Dear BBB.
  We have reviewed the complaint filed by Ms. ******.   We do
  show the payments Ms. ****** is referencing from May of 2022, this payment of
  $****** and adjustment of $****** has been applied to the account on May 31st 2022, this account along with ten additional bills are owing, if Ms. ****** has
  any personal or insurance payments that she feels we have not accounted for, we
  ask her to provide our office with copies of these cashed payments, and we will
  investigate with our clients. 
  We do show Ms ****** called our office on 12-30-22 asking
  about insurance payments, at this time we verify the payments we had credited
  her account from insurance, and we have not received any additional payments
  since May 31st 2022.
  A thorough review of this account has been done, and there
  has been no wrongdoing by AAA Collections. Accordingly, AAA Collections asks
  that this complaint be dismissed. 
  If I may be of further assistance, don't hesitate to get in
  touch with me at *************. Thank you
  Best
  Regards,
  Chris ******
  Vice
  President of Operations.
  AAA
  Collections of the Midwest.
  ** *** ***
  ***** ****** **  *****
  
  THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO
  COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE