On the complaint record, Zions Debt scores higher (53/100 against 52): it answered 100% on time and gave relief in 0% of closed complaints, against 100% and 0% for Army and Air Force Exchange Service.
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
Check the record before you sign.
Then add to it. Every experience you share - good or bad - goes on that company's record and helps the next person decide. Two minutes, anonymous.
Which would you choose?
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