What is the most common complaint against Army and Air Force Exchange Service?

The most common issue consumers report about Army and Air Force Exchange Service is "Attempts to collect debt not owed", specifically "Attempted to collect wrong amount". This is based on 832 complaints filed with the CFPB.

Are complaints against Army and Air Force Exchange Service increasing or decreasing?

Complaints against Army and Air Force Exchange Service are rising. The company received 272 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Army and Air Force Exchange Service's reputation grade?

Army and Air Force Exchange Service has a reputation grade of F (score: 48.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Army and Air Force Exchange Service respond to consumer complaints?

Army and Air Force Exchange Service has a 91% timely response rate to CFPB complaints. Consumers disputed the company's response in 31% of cases.

In how many states does Army and Air Force Exchange Service operate?

Army and Air Force Exchange Service has received CFPB complaints from consumers in 52 states, with the most complaints from Texas (148 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Army and Air Force Exchange Service - Debt Collector Complaint Profile

CFPB complaint profile across 52 states, reputation grade F.

Compiled by PlainCollector

Attempts to collect debt not owed

304
Took or threatened to take negative or legal action

184
False statements or representation

140
Written notification about debt

97
Disclosure verification of debt

35
Threatened to contact someone or share information improperly

21

Data updated September 2026

CFPB complaint disposition

CCDB record army-and-air-force-exchange-service Army and Air Force Exchange Service

Grade F · 832 CFPB filings · 91% timely · lead issue: Attempts to collect debt not owed · vol #177 · compose #4292

VOL 832
GRADE F
12MO 272
STATES 52
TIMELY 91%
DISPUTE 31%
ISSUE Attempts to collect debt n…
RANK #177
COMPOSE #4,292

Volume peers

Nearest volume peer: Linebarger Goggan Blair & Sampson LLP (825 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Army and Air Force Exchange Service's 832 CFPB complaints sit next to Linebarger Goggan Blair & Sampson LLP on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Filing geometry

Texas is the plurality state for Army and Air Force Exchange Service (17.8%)

Volume rank #177 and composite rank #4,292 diverge by 4,115 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Texas 17.8%; Mid-band (15–30%) · 52 states with ≥1 filing
Seasonal peak: 2026-01 9.0%; 8–15% band · 80 filings
Divergent corpus ranks: #177 volume; #4,292 composite; Cleanest-composite ladder is 4,115 places worse than volume

How does Army and Air Force Exchange Service compare to its peers?

How does Army and Air Force Exchange Service compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Army and Air Force Exc… National average

Complaints (last 12 mo)lower is better

272

105

268

Timely-response ratehigher is better

91%

100%

91%

Consumer-dispute ratelower is better

31%

17%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	304
Took or threatened to take negative or legal action	184
False statements or representation	140
Written notification about debt	97
Disclosure verification of debt	35
Threatened to contact someone or share information improperly	21
Communication tactics	15
Cont'd attempts collect debt not owed	15
Taking/threatening an illegal action	14
Improper contact or sharing of info	7

Where do complaints against Army and Air Force Exchange Service come from?

Army and Air Force Exchange Service's own per-state count, not a national baseline.

Texas

148
California

82
North Carolina

76
Florida

62
Georgia

56
Virginia

49
Arizona

28
Maryland

28

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Army and Air Force Exchange Service: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 832.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 91.47180192572215%.

4 peers

Know your rights before responding to Army and Air Force Exchange Service: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.