CFPB Consumer Complaint Profile
Army and Air Force Exchange Service
Behind the 2,207 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 2,207
- Total complaints
- Among the highest
- 547
- Last 12 months
- 92.1%
- Timely response
- Bottom quartile
- 56
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Army and Air Force Exchange Service sits at #197, with 2,207 complaints logged. Its on-time response rate is 92.1%, the 21st percentile among companies with 100+ complaints.
- #197
- of 3,843 companies by volume
- 92.1%
- on time (21st pctile)
- Credit reporting or …
- most-complained product
- 56
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Army and Air Force Exchange Service vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
92.1% Among the lowest higher than 21% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 289 in 2024 to 501 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2012 | 1 |
| 2013 | 17 |
| 2014 | 54 |
| 2015 | 55 |
| 2016 | 45 |
| 2017 | 103 |
| 2018 | 154 |
| 2019 | 82 |
| 2020 | 147 |
| 2021 | 182 |
| 2022 | 182 |
| 2023 | 218 |
| 2024 | 289 |
| 2025 | 501 |
| 2026year in progress | 177 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Army and Air Force Exchange Service
2,207 complaints against Army and Air Force Exchange Service appear in the CFPB record, including 547 from the trailing year. The 56 states and territories represented put this footprint in nationwide territory. "Credit reporting or other personal consumer reports" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Incorrect information on your report," a reasonable starting point for understanding recurring friction.
Army and Air Force Exchange Service's timely response rate stands at 92.1%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. Consumers formally disputed the company's response at a 28.3% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0.6% rate.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Army and Air Force Exchange Service have?
2,207 complaints have been filed against Army and Air Force Exchange Service with the CFPB overall - 547 of them in the past year.
Does Army and Air Force Exchange Service respond to complaints on time?
Army and Air Force Exchange Service's CFPB timely-response rate is 92.1%.
What product generates the most complaints for Army and Air Force Exchange Service?
Among all products tied to Army and Air Force Exchange Service, "Credit reporting or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Army and Air Force Exchange Service?
The most common issue reported by consumers about Army and Air Force Exchange Service is "Incorrect information on your report." All complaint issues are listed above with their counts.
How do I file a complaint against Army and Air Force Exchange Service?
You can file a complaint against Army and Air Force Exchange Service directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Army and Air Force Exchange Service?
The CFPB has recorded complaints against Army and Air Force Exchange Service from 56 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Army and Air Force Exchange Service: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count (2,207 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (28.3% here).
Also handles Credit reporting or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.