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.
- Volume rank #201 of 342
- 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 →
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
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