Debt collector · complaint record
Army and Air Force Exchange Service complaints
Consumers have filed 2,550 complaints about Army and Air Force Exchange Service since 2012, 604 of them in the last 12 months (+30% on the year before). It answered 100% on time and closed 0% with relief for the customer - less often than a typical debt collector. The most common problem is incorrect information on your report.
Average response record. How it works
- Complaints on record
- 2,550
- Last 12 months
- 604
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 19
- Rank
- #68 of 1,963
Since December 2012
+30% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Nov 12, 2026
Most complained-about debt collectors
Army and Air Force Exchange Service complaints by month
The busiest month was March 2026 (80 complaints). Complaints in the last 12 months are up 30% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Army and Air Force Exchange Service answered last 12 months
- Closed with explanation604100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers0/400% closed with relief
- Complaint trend7/15+30% vs last year
What Army and Air Force Exchange Service complaints are about
Top Army and Air Force Exchange Service problems last 12 months
Inside "Incorrect information on your report"
- Account status incorrect 235
- Account information incorrect 193
- Information belongs to someone else 123
- Old information reappears or never goes away 21
- Information is missing that should be on the report 18
- Personal information incorrect 10
Where Army and Air Force Exchange Service complaints come from
Most complaints: Texas (362), Florida (241), Georgia (214), California (200), North Carolina (187).
Army and Air Force Exchange Service compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | MRS BPODebt collection | 95 | 641 | A |
| 2 | Zions DebtDebt collection | 53 | 640 | C |
| 3 | Lendmark FinancialDebt collection | 8 | 629 | F |
| 4 | Synergetic CommunicationDebt collection | 41 | 624 | D |
| 5 | Army and Air Force Exchange ServiceDebt collection | 52 | 604 | C |
| 6 | The Receivable Management ServicesDebt collection | 52 | 585 | C |
| 7 | First Credit ServicesDebt collection | 50 | 566 | C |
| 8 | Westcreek FinancialDebt collection | 3 | 558 | F |
Compare side by side: Army and Air Force Exchange Service vs MRS BPO · Army and Air Force Exchange Service vs Zions Debt · Army and Air Force Exchange Service vs Lendmark Financial · Army and Air Force Exchange Service vs Synergetic Communication
What people say about Army and Air Force Exchange Service
All experiencesNo experiences with Army and Air Force Exchange Service yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Army and Air Force Exchange Service complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 12, 2026 | Credit reporting | Incorrect information on your reportOld information reappears or never goes away | Explained |
| Nov 10, 2026 | Credit cards | Problem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statement | Explained |
| Nov 10, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 7, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Nov 7, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Nov 6, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Nov 5, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Nov 4, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Nov 2, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Oct 28, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Oct 27, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 27, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
Questions about Army and Air Force Exchange Service
How many complaints does Army and Air Force Exchange Service have?
Army and Air Force Exchange Service has 2,550 complaints on record since December 2012, including 604 in the last 12 months and 19 in the last 30 days. That makes it number 176 of every company by complaints this year.
Does Army and Air Force Exchange Service respond to complaints?
Yes. Army and Air Force Exchange Service answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 52/100 (grade C).
What do people complain about most with Army and Air Force Exchange Service?
The most common problems are incorrect information on your report (606), attempts to collect debt not owed (340), took or threatened to take negative or legal action (195).
Is Army and Air Force Exchange Service legit?
Army and Air Force Exchange Service is a real company with a public complaint record: consumers have complained about it 2,550 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Army and Air Force Exchange Service legit? for the signals, red flags and how to protect yourself.
Are complaints about Army and Air Force Exchange Service going up or down?
Up. There were 604 complaints in the last 12 months against 465 in the 12 before (+30%). See every month.
How do I file a complaint against Army and Air Force Exchange Service?
Complain to Army and Air Force Exchange Service in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Army and Air Force Exchange Service complaints come from?
Most come from Texas (362), Florida (241), Georgia (214). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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