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

CFPB complaint data Grade F 832 complaints

Army and Air Force Exchange Service - Debt Collector Complaint Profile

CFPB complaint profile across 52 states, reputation grade F.

Complaints by issue type

What consumers report about Army and Air Force Exchange Service

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 50.5/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Army and Air Force Exchange Service ranks ahead of 16% of the 5,283 collectors PlainCollector grades - 84% keep a cleaner CFPB record, on 832 all-time complaints and a 91% timely-response rate.

16th pct
reputation rank of 5,283 graded collectors
832
CFPB complaints, all-time
91%
answered inside the CFPB window
272
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Army and Air Force Exchange Service?

Army and Air Force Exchange Service has accumulated 832 total CFPB complaints across 52 states, with 272 filed in the most recent 12 months against 560 historical complaints before that window. The trailing-12-month volume represents 32.7% 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 "Attempts to collect debt not owed", narrowing to "Attempted to collect wrong amount". The company posts a 91% timely-response rate against a 31% consumer-dispute-after-response rate.

Complaints have been recorded across 52 states, led by Texas with 148 and California with 82. 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.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

832

mid-volume (CCDB)

Last 12 months

272

32.7% of all-time complaints

Rising ↑

States active

52

nationwide footprint

Timely response rate

91%

good band

Consumer disputes

31%

high (vertical avg ~19%)

Reputation grade

F

50.5/100 composite

How does Army and Air Force Exchange Service's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

51 Bottom 16% higher than 16% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Army and Air Force Exchange Service versus the debt-collection vertical average.

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) 31.5%
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?

How does Army and Air Force Exchange Service compare? Versus a similar-volume peer and the national average, 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 Sub-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.

Top states by complaints against Army and Air Force Exchange Service

Across 52 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Army and Air Force Exchange Service contacts you

A grade of F signals how Army and Air Force Exchange Service's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Army and Air Force Exchange Service and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Army and Air Force Exchange Service ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 "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: 50.5/100), 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).

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

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.