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Data / Consumer complaints / Army and Air Force Exchange Service / Debt collection

Army and Air Force Exchange Service: 472 CFPB complaints about debt collection, last 3 years

Updated November 7, 2026. Source: CFPB Consumer Complaint Database.

Army and Air Force Exchange Service drew 472 consumer complaints about debt collection in the CFPB database in the three years to November 6, 2026, 34.9% of its 1,351 complaints in that time. The most common issue was “Attempts to collect debt not owed”. The company responded on time to 100.0% of them, and 0.0% closed with monetary or other relief.

The request: Watch Army and Air Force Exchange Service: each new CFPB complaint about debt collection by issue, with the date and the company response. $10 of work on sign-up, no card.

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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.

  • 472Complaints, last 3 years
  • 34.9%Share of the company's complaints
  • 100.0%Responded on time
  • 0.0%Closed with relief
  • Oct 27, 2026Latest received

By period

The three years are cut into 12 month periods ending on the date of the latest data.

PeriodComplaintsShare
12 months to Nov 6, 202628660.6%
12 months to Nov 6, 202513328.2%
12 months to Nov 6, 20245311.2%

Issues

IssueComplaintsShare
Attempts to collect debt not owed19441.1%
Took or threatened to take negative or legal action15633.1%
False statements or representation6513.8%
Written notification about debt5010.6%
Threatened to contact someone or share information improperly51.1%
Communication tactics20.4%

How the company responded

Company responseComplaintsShare
Closed with explanation472100%

States

Where the consumers who complained live, as they gave it to the CFPB.

StateComplaintsShare
Texas10722.7%
North Carolina6112.9%
Georgia428.9%
Florida347.2%
California337%
Arizona194%
Virginia173.6%
South Carolina163.4%
Alabama143%
Maryland132.8%
Illinois122.5%
New York112.3%
Washington102.1%
Oklahoma81.7%
Nevada71.5%
Louisiana61.3%
Tennessee61.3%
Indiana51.1%
Mississippi51.1%
Arkansas40.8%
Colorado40.8%
Ohio40.8%
American Samoa30.6%
Minnesota30.6%
District of Columbia20.4%

Latest 25 complaints

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

ReceivedProductIssueCompany responseSource
October 27, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 27, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 27, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 21, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 14, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 13, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 5, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 5, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 29, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 28, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 22, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 21, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
September 19, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
September 15, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
September 10, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 9, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 8, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 7, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 3, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 2, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 1, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 30, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 30, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 28, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 25, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov

Also on SpecStream

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.