Army and Air Force Exchange Service
2.4K consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Army and Air Force Exchange Service
Army and Air Force Exchange Service's 2,391 logged complaints reach a nationwide footprint - 56 states have at least one filing on record. 42.7% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2012 through 2026-06-25.
Army and Air Force Exchange Service answers 92.7% of complaints inside the CFPB's tracked window and closes 99.4% with a written explanation. 0.5% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "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.
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.
Frequently Asked Questions
How many CFPB complaints does Army and Air Force Exchange Service have?
2,391, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Army and Air Force Exchange Service respond to complaints on time?
92.7% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Army and Air Force Exchange Service?
"Incorrect information on your report", filed under the "Debt collection" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.