Total CFPB complaints
727
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 727 complaints
Army and Air Force Exchange Service — Debt Collector Complaint Profile
CFPB complaint profile across 52 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Army and Air Force Exchange Service
- Attempts to collect debt not owed
Attempts to collect debt not owed
247 complaints
- False statements or representation
False statements or representation
129 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
120 complaints
- Written notification about debt 81
Written notification about debt
81 complaints
- Disclosure verification of debt 22
Disclosure verification of debt
22 complaints
F
Grade F · 50.5/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Army and Air Force Exchange Service?
Army and Air Force Exchange Service has accumulated 727 total CFPB complaints across 52 states, with 206 filed in the most recent 12 months against 521 historical complaints before that window. The trailing-12-month volume represents 28.3% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 91% timely-response rate against a 31% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 52 states, led by Texas with 119 and California with 76, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 50.5/100 places Army and Air Force Exchange Service in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
206
28.3% of total history
Rising ↑
States active
52
Distinct state filings
Timely response rate
91%
Within CFPB SLA window
Consumer disputes
31%
After company response
Reputation grade
F
50.5/100 composite
Response-quality profile
How Army and Air Force Exchange Service performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 91.5%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 62.9%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 92.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Army and Air Force Exchange Service compare to its peers?
Army and Air Force Exc… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-03 2026-03
Top Consumer Issues
False statements or representation129 (%)
Attempts to collect debt not owed247 (%)
Took or threatened to take negative or legal action120 (%)
Written notification about debt81 (%)
Disclosure verification of debt22 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 116 |
| Attempts to collect debt not owed | Debt is not yours | 94 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 84 |
| Attempts to collect debt not owed | Debt was result of identity theft | 77 |
| Attempts to collect debt not owed | Debt was paid | 76 |
| Written notification about debt | Didn't receive enough information to verify debt | 47 |
| Took or threatened to take negative or legal action | Collected or attempted to collect exempt funds | 36 |
| Written notification about debt | Didn't receive notice of right to dispute | 34 |
| Disclosure verification of debt | Not given enough info to verify debt | 22 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 13 |
Where do complaints against Army and Air Force Exchange Service come from?
The states where consumers have filed the most CFPB complaints against Army and Air Force Exchange Service. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Army and Air Force Exchange Service
Across 52 states with at least one filing
- Texas
Texas
119 complaints
- California
California
76 complaints
- North Carolina
North Carolina
58 complaints
- Florida
Florida
56 complaints
- Virginia
Virginia
48 complaints
- Georgia 44
Georgia
44 complaints
- South Carolina 25
South Carolina
25 complaints
- Arizona 24
Arizona
24 complaints
Frequently Asked Questions
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 "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 727 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 206 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: 50.5/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 (119 complaints).
What can I do if Army and Air Force Exchange Service is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Army and Air Force Exchange Service violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |