The American Automotive Alliance lawsuit landscape has three moving parts: a 2023 settlement with the Pennsylvania Attorney General over illegal telemarketing, a pending federal Telephone Consumer Protection Act class action in Florida, and a Chapter 11 bankruptcy the company filed on May 5, 2026, which now governs how consumer and creditor claims get handled.
The Pending TCPA Class Action
On October 16, 2024, Antwane Johnson filed a class action against American Automotive Alliance, LLC in the U.S. District Court for the Middle District of Florida. The case, Johnson v. American Automotive Alliance, LLC, Case No. 3:24-cv-01065, was assigned to Judge Wendy W. Berger and brings claims under the federal Telephone Consumer Protection Act.1Law360. Johnson v. American Automotive Alliance, LLC
The TCPA authorizes statutory damages of $500 per violating call, which a court can triple to $1,500 if the violation was knowing or willful.2Jimerson Birr. Telephone Consumer Protection Act (TCPA) Class Action Defense Because the company filed for bankruptcy protection in May 2026, the class action is subject to the automatic stay that comes with Chapter 11, and any recovery for class members typically has to be pursued through the bankruptcy claims process rather than through the district court judgment.
The Pennsylvania Attorney General Settlement
In 2023, Pennsylvania Attorney General Michelle Henry announced a settlement with American Automotive Alliance, LLC and a related entity, AM Protection, Inc., whose owner was identified as Mariam Nasrati. The state alleged the companies marketed auto warranties using pre-recorded calls to phone numbers on Pennsylvania’s Do-Not-Call list, in violation of the state’s telemarketing laws. The settlement was one of several the office announced that round, with penalties across the group totaling more than $90,000.
The Chapter 11 Bankruptcy and Claims Deadline
American Automotive Alliance filed for Chapter 11 bankruptcy on May 5, 2026 under Subchapter V, a streamlined reorganization track for small businesses. The case, No. 3:26-bk-02023-JAB, is in the U.S. Bankruptcy Court for the Middle District of Florida in Jacksonville before Chief Judge Jacob A. Brown.3INFOruptcy. Bankruptcy Case – American Automotive Alliance
The company reported estimated assets between $100,001 and $500,000 against estimated liabilities of $1 million to $10 million.4PacerMonitor. American Automotive Alliance Key dates the court set:
- June 3, 2026: meeting of creditors.
- July 14, 2026: deadline for creditors to file proofs of claim.
- August 3, 2026: deadline for the company to submit its Subchapter V plan of reorganization.
The court also allowed the company to keep using cash collateral and to assume its existing contract with EFS Companies, LLC, a Missouri billing company that processes recurring monthly installments for vehicle service contracts.5BKAlerts. Bankruptcy Case – American Automotive Alliance If you paid the company for a warranty and believe you are owed a refund, or you are a vendor with an unpaid bill, the July 14, 2026 proof-of-claim deadline is the relevant date.
The Company’s Adversary Lawsuit Against Business Partners
Two weeks into the bankruptcy, on May 20, 2026, American Automotive Alliance filed an adversary proceeding (Case No. 3:26-ap-00070-JAB) against six entities: Sing for Service, LLC (which does business as Mepco); CarGuard Administration Inc.; JPMorgan Chase; OnDeck Capital Inc.; Parkside Funding Group; and Paylink Direct. The suit seeks injunctive relief. The court granted a preliminary injunction on an interim basis on May 28, 2026, and set a continued hearing for July 14, 2026.6PacerMonitor. American Automotive Alliance v. Sing for Service, LLC et al. The docket entries publicly available do not lay out the specific factual allegations beyond the request for injunctive relief.
Consumer Complaint Patterns
The company is not accredited by the Better Business Bureau. Its BBB profile shows 14 complaints in the three years before June 2026, 10 of them in the most recent 12 months, and 12 of the 14 went unanswered.7Better Business Bureau. American Automotive Alliance LLC Complaints
Recurring themes in those complaints:
- Sales callers who identified themselves in ways that led consumers to believe they were dealing with AAA.
- Billing disputes, including a $532.68 charge described as fraudulent and a plan pitched at $128.08 per year that was instead billed monthly.
- Warranty claim denials, in at least one case tied to aftermarket tire modifications.
- An inability to reach a live representative to cancel or obtain refunds, sometimes paired with the company saying it could not find the customer in its records while billing continued.
Charges on customer statements sometimes appeared under third-party processors, including EFS Companies and WEX. WEX has told the BBB that it processes payments for vehicle service contracts but is not affiliated with American Automotive Alliance.7Better Business Bureau. American Automotive Alliance LLC Complaints If you are trying to stop a recurring charge, the processor named on your statement may not be the same entity as the warranty seller, and the bankruptcy case is now the forum where refund claims against American Automotive Alliance itself are being sorted out.