Army and Air Force Exchange Service Consumer Complaints
Army and Air Force Exchange Service has received 2,251 consumer complaints filed with the Consumer Financial Protection Bureau. Below is a complete breakdown by product, issue, company response pattern, and geographic distribution.
Data last updated: Apr 16, 2026Key Takeaways
- 2,251 total complaints on file with the CFPB.
- Most complaints are about Debt collection (748).
- Timely response rate: 92.3%.
- Consumer disputed rate: 28.3% of resolved complaints.
Complaints by Product
The following table shows how complaints against Army and Air Force Exchange Service break down by financial product category.
| Product | Complaints | % of Total |
|---|---|---|
| Debt collection | 748 | 33.2% |
| Credit reporting or other personal consumer reports | 520 | 23.1% |
| Credit reporting, credit repair services, or other personal consumer reports | 385 | 17.1% |
| Credit card | 339 | 15.1% |
| Credit card or prepaid card | 227 | 10.1% |
| Checking or savings account | 6 | 0.3% |
| Credit reporting | 6 | 0.3% |
| Bank account or service | 5 | 0.2% |
| Payday loan, title loan, or personal loan | 5 | 0.2% |
| Money transfer, virtual currency, or money service | 3 | 0.1% |
| Debt or credit management | 2 | 0.1% |
| Payday loan, title loan, personal loan, or advance loan | 2 | 0.1% |
| Consumer Loan | 1 | 0.0% |
| Prepaid card | 1 | 0.0% |
| Student loan | 1 | 0.0% |
Most Common Issues
These are the specific issues consumers most frequently report about Army and Air Force Exchange Service.
Company Response Breakdown
When consumers file complaints, Army and Air Force Exchange Service responds in one of several ways. The breakdown below shows how Army and Air Force Exchange Service has resolved complaints.
| Response | Count | Percentage |
|---|---|---|
| Closed with explanation | 2,237 | 99.4% |
| Closed with non-monetary relief | 7 | 0.3% |
| Closed with monetary relief | 6 | 0.3% |
| Closed | 1 | 0% |
Complaints by State
Top states where consumers have filed complaints against Army and Air Force Exchange Service.
| State | Complaints |
|---|---|
| Texas | 306 |
| Florida | 207 |
| California | 182 |
| Georgia | 175 |
| Virginia | 168 |
| North Carolina | 158 |
| Alabama | 79 |
| Maryland | 72 |
| South Carolina | 63 |
| Louisiana | 62 |
| Arizona | 52 |
| New York | 51 |
| Tennessee | 49 |
| Illinois | 42 |
| Colorado | 39 |
| Washington | 39 |
| Nevada | 32 |
| Hawaii | 31 |
| Pennsylvania | 28 |
| Indiana | 25 |
Your Rights
What to do if you have a complaint against Army and Air Force Exchange Service
- Contact Army and Air Force Exchange Service directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
- File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
- File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
- Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.
Frequently Asked Questions
-
How many complaints does Army and Air Force Exchange Service have?
Army and Air Force Exchange Service has 2,251 consumer complaints on file with the CFPB as of our last data refresh.
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What is the most common complaint about Army and Air Force Exchange Service?
The most common issue reported is Incorrect information on your report with 532 complaints.
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How do I file a complaint against Army and Air Force Exchange Service?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.
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Does Army and Air Force Exchange Service respond to complaints on time?
Army and Air Force Exchange Service has a 92.3% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.
Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed April 2026.