Data / Consumer complaints / Army and Air Force Exchange Service

Army and Air Force Exchange Service: 1,351 CFPB consumer complaints in the last 3 years

Name: CFPB consumer complaints against Army and Air Force Exchange Service
Creator: SpecStream
License: https://creativecommons.org/licenses/by/4.0/

Army and Air Force Exchange Service drew 1,351 consumer complaints in the CFPB database in the three years to November 6, 2026, and 2,540 since 2012. The largest group, 607, was about credit reporting or other personal consumer reports, and the most common issue was “Incorrect information on your report” with 361. The company responded on time to 99.9% of the complaints, and 0.0% closed with monetary or other relief.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

Watch this company's complaints Get every credit reporting or other personal consumer reports company Get credit reporting or other personal consumer reports in Texas

1,351Complaints, last 3 years
2,540Complaints, all years
99.9%Responded on time
0.0%Closed with relief
8Products
Nov 5, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

Year	Complaints
2026, to Nov 6	510
2025	501
2024	289
2023	218
2022	182
2021	182
2020	147
2019	82
2018	154
2017	103
2016	45
2015	55
2014	54
2013	17
2012	1

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

Product	Complaints	Share
Credit reporting or other personal consumer reports	607	44.9%
Debt collection	472	34.9%
Credit card	261	19.3%
Checking or savings account	5	0.4%
Payday loan, title loan, personal loan, or advance loan	2	0.1%
Prepaid card	2	0.1%
Debt or credit management	1	0.1%
Student loan	1	0.1%

Issues

Issue	Complaints	Share
Incorrect information on your report	361	26.7%
Attempts to collect debt not owed	194	14.4%
Problem with a company's investigation into an existing problem	160	11.8%
Took or threatened to take negative or legal action	156	11.5%
Improper use of your report	132	9.8%
False statements or representation	65	4.8%
Fees or interest	63	4.7%
Written notification about debt	50	3.7%
Other features, terms, or problems	29	2.1%
Problem when making payments	28	2.1%
Problem with a purchase shown on your statement	27	2%
Getting a credit card	26	1.9%
Closing your account	20	1.5%
Advertising and marketing, including promotional offers	10	0.7%
Credit monitoring or identity theft protection services	5	0.4%
Threatened to contact someone or share information improperly	5	0.4%
Problem with fraud alerts or security freezes	4	0.3%
Problem caused by your funds being low	3	0.2%
Communication tactics	2	0.1%
Problem with a company's investigation into an existing issue	2	0.1%
Struggling to pay your bill	2	0.1%
Trouble using your card	2	0.1%
Advertising	1	0.1%
Charged fees or interest you didn't expect	1	0.1%
Dealing with your lender or servicer	1	0.1%

How the company responded

Company response	Complaints	Share
Closed with explanation	1,351	100%

States

State	Complaints	Share
Texas	221	16.4%
Florida	134	9.9%
Georgia	123	9.1%
North Carolina	115	8.5%
Virginia	89	6.6%
California	85	6.3%
Alabama	52	3.8%
Louisiana	44	3.3%
South Carolina	43	3.2%
Maryland	42	3.1%
New York	36	2.7%
Arizona	34	2.5%
Illinois	30	2.2%
Tennessee	24	1.8%
Washington	21	1.6%
Colorado	18	1.3%
Indiana	18	1.3%
Hawaii	17	1.3%
Ohio	17	1.3%
Oklahoma	16	1.2%
Mississippi	15	1.1%
Nevada	14	1%
Pennsylvania	12	0.9%
Kentucky	10	0.7%
Arkansas	9	0.7%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

Received	Product	Issue	Company response	Source
November 5, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
November 2, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
October 28, 2026	Credit reporting or other personal consumer reports	Improper use of your report	Closed with explanation	consumerfinance.gov
October 27, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
October 27, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
October 27, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
October 21, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
October 20, 2026	Credit card	Fees or interest	Closed with explanation	consumerfinance.gov
October 19, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
October 17, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
October 16, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
October 16, 2026	Credit reporting or other personal consumer reports	Improper use of your report	Closed with explanation	consumerfinance.gov
October 14, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
October 14, 2026	Credit reporting or other personal consumer reports	Problem with a company's investigation into an existing problem	Closed with explanation	consumerfinance.gov
October 13, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
October 9, 2026	Credit card	Closing your account	Closed with explanation	consumerfinance.gov
October 8, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
October 7, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
October 6, 2026	Credit card	Problem when making payments	Closed with explanation	consumerfinance.gov
October 5, 2026	Credit reporting or other personal consumer reports	Improper use of your report	Closed with explanation	consumerfinance.gov
October 5, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
October 5, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
October 5, 2026	Debt collection	False statements or representation	Closed with explanation	consumerfinance.gov
September 29, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
September 28, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
September 28, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
September 25, 2026	Credit reporting or other personal consumer reports	Problem with a company's investigation into an existing problem	Closed with explanation	consumerfinance.gov
September 25, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
September 25, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
September 23, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
September 22, 2026	Credit card	Trouble using your card	Closed with explanation	consumerfinance.gov
September 22, 2026	Debt collection	False statements or representation	Closed with explanation	consumerfinance.gov
September 21, 2026	Debt collection	Communication tactics	Closed with explanation	consumerfinance.gov
September 19, 2026	Debt collection	Written notification about debt	Closed with explanation	consumerfinance.gov
September 18, 2026	Credit card	Getting a credit card	Closed with explanation	consumerfinance.gov
September 17, 2026	Credit reporting or other personal consumer reports	Improper use of your report	Closed with explanation	consumerfinance.gov
September 16, 2026	Credit reporting or other personal consumer reports	Improper use of your report	Closed with explanation	consumerfinance.gov
September 15, 2026	Debt collection	Written notification about debt	Closed with explanation	consumerfinance.gov
September 15, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
September 15, 2026	Credit reporting or other personal consumer reports	Incorrect information on your report	Closed with explanation	consumerfinance.gov
September 13, 2026	Credit reporting or other personal consumer reports	Problem with a company's investigation into an existing problem	Closed with explanation	consumerfinance.gov
September 11, 2026	Credit reporting or other personal consumer reports	Improper use of your report	Closed with explanation	consumerfinance.gov
September 10, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
September 9, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
September 8, 2026	Debt collection	False statements or representation	Closed with explanation	consumerfinance.gov
September 7, 2026	Debt collection	Attempts to collect debt not owed	Closed with explanation	consumerfinance.gov
September 6, 2026	Credit card	Fees or interest	Closed with explanation	consumerfinance.gov
September 5, 2026	Credit reporting or other personal consumer reports	Problem with a company's investigation into an existing problem	Closed with explanation	consumerfinance.gov
September 4, 2026	Credit card	Problem with a purchase shown on your statement	Closed with explanation	consumerfinance.gov
September 4, 2026	Credit card	Problem with a purchase shown on your statement	Closed with explanation	consumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.