CFPB · Slower timely-response band
Army and Air Force Exchange Service
2.4K CFPB complaints · 92.7% timely (slow band) · top issue Incorrect information on your report.
Army and Air Force Exchange Service answers 92.7% on time (lower third) across 2.4K filings. Relief 0.5% · top product Debt collection. Allegations, not findings.
- Slower timely-response band
- +36000% filings 2012 to 2026
CFPB relief outcome brief
CCDB company army-and-air-force-exchange-service
0.5% relief · 92.7% timely · 2.4K filings · Debt collection
Same-product relief peers
Nearest relief peer: Enova International, Inc. (0.5% relief)
Army and Air Force Exchange Service closes 0.5% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Army and Air Force Exchange Service scores strongest on closed with explanation (99/100 percentile-benchmarked) and weakest on relief provided (2/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
2 / 100 percentile-benchmarked
0.5% of complaints closed with relief to the consumer
Timely response
87 / 100 percentile-benchmarked
92.7% of complaints answered inside the CFPB 15-day window
Closed with explanation
99 / 100 percentile-benchmarked
99.4% of complaints closed with an explanation to the consumer
Most of Army and Air Force Exchange Service's 2.4K filings include narrative text
42.7% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Army and Air Force Exchange Service complaint mix by product
- Debt collection 829 35.0% – 1% relief
- Credit reporting 558 23.5% – 0% relief
- Credit reporting, 385 16.2% – 0% relief
- Credit card 358 15.1% – 2% relief
- Credit card 227 9.6% – 0% relief
- Checking or 7 0.3% – 0% relief
- Credit reporting 6 0.3% – 0% relief
How Army and Air Force Exchange Service's 2.4K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 829 |
| Credit reporting or other personal consumer reports | 558 |
| Credit reporting, credit repair services, or other personal consumer reports | 385 |
| Credit card | 358 |
| Credit card or prepaid card | 227 |
| Checking or savings account | 7 |
| Credit reporting | 6 |
| Bank account or service | 5 |
| Payday loan, title loan, or personal loan | 5 |
| Money transfer, virtual currency, or money service | 3 |
| Debt or credit management | 2 |
| Payday loan, title loan, personal loan, or advance loan | 2 |
| Prepaid card | 2 |
| Student loan | 1 |
| Consumer Loan | 1 |
Nationwide filing states for Army and Air Force Exchange Service
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 14% of this company's filings
Army and Air Force Exchange Service rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 361
- +36000% vs 2012
Volume vs. relief
Where Army and Air Force Exchange Service sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Army and Air Force Exchange Service files more complaint volume than 41% of them, and closes complaints with relief more often than 32% of them, placing it in the quadrant for lower volume, below-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 2,391 · Closed with relief: 0.5%
Top States
| State | Complaints |
|---|---|
| TX | 334 |
| FL | 224 |
| GA | 194 |
| CA | 190 |
| NC | 179 |
| VA | 170 |
| AL | 87 |
| MD | 78 |
| SC | 66 |
| LA | 63 |
| NY | 54 |
| AZ | 54 |
| TN | 51 |
| IL | 43 |
| WA | 41 |
| CO | 41 |
| NV | 33 |
| HI | 31 |
| PA | 29 |
| MS | 25 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 565 |
| Attempts to collect debt not owed | 302 |
| Improper use of your report | 205 |
| Took or threatened to take negative or legal action | 183 |
| Problem with a company's investigation into an existing problem | 143 |
| False statements or representation | 140 |
| Problem with a credit reporting company's investigation into an existing problem | 115 |
| Written notification about debt | 97 |
| Fees or interest | 93 |
| Problem when making payments | 70 |
| Problem with a purchase shown on your statement | 67 |
| Getting a credit card | 46 |
| Other features, terms, or problems | 46 |
| Disclosure verification of debt | 35 |
| Closing your account | 23 |
| Threatened to contact someone or share information improperly | 21 |
| Billing disputes | 21 |
| Delinquent account | 18 |
| Struggling to pay your bill | 15 |
| Communication tactics | 15 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2012 | 1 | 100% |
| 2013 | 17 | 100% |
| 2014 | 54 | 98.1% |
| 2015 | 55 | 100% |
| 2016 | 45 | 95.6% |
| 2017 | 103 | 99% |
| 2018 | 154 | 100% |
| 2019 | 82 | 100% |
| 2020 | 147 | 40.8% |
| 2021 | 182 | 56% |
| 2022 | 182 | 99.5% |
| 2023 | 218 | 100% |
| 2024 | 289 | 99.3% |
| 2025 | 501 | 100% |
| 2026 | 361 | 100% |
Source: CFPB Consumer Complaint Database
Army and Air Force Exchange Service in the slower-timely third
Army and Air Force Exchange Service's 2,391 logged complaints reach a nationwide footprint - 56 states have at least one filing. 42.7% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2012 through 2026-06-25. Timely response 92.7% sits in the lower third of the corpus.
Army and Air Force Exchange Service answers 92.7% of complaints inside the CFPB's tracked window (timely band: slow) and closes 0.5% with relief; 99.4% close with a written explanation. Consumers disputed 0% of responses after the company replied. Top product "Debt collection" · top issue "Incorrect information on your report."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Army and Air Force Exchange Service.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Army and Air Force Exchange Service: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 2.4K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 92.7%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Army and Air Force Exchange Service (#201 of 342; 92.7% timely; 0.5% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Slower timely-response band