Credit reporting
Military Star card (AAFES): what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 545
- Closed with money back
- 0%
- 2023 to 2025
- 149 to 241
Servicemembers filed 54.1% of Military Star card (AAFES)'s 1,008 complaints in the window, against 2.5% across the directory. The complaints are mostly about credit reporting or other personal consumer reports, and the single most common issue is "Incorrect information on your report". 0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 149 in 2023 to 241 in 2025.
What the complaints are about
By product
| Credit reporting or other personal consumer reports | 208 |
| Credit card | 143 |
| Debt collection | 113 |
| Credit reporting, credit repair services, or other personal consumer reports | 48 |
| Credit card or prepaid card | 24 |
By issue
| Incorrect information on your report | 147 |
| Improper use of your report | 77 |
| Problem with a company's investigation into an existing problem | 51 |
| Fees or interest | 46 |
| Attempts to collect debt not owed | 38 |
| 2023: 149 | 2024: 155 | 2025: 241 |
Which accounts, specifically
| Credit reporting | 266 |
| Store credit card | 146 |
| Credit card debt | 103 |
| General-purpose credit card or charge card | 39 |
| I do not know | 13 |
What went wrong, specifically
| Reporting company used your report improperly | 72 |
| Account status incorrect | 67 |
| Account information incorrect | 62 |
| Their investigation did not fix an error on your report | 48 |
| Charged too much interest | 42 |
Busiest month: April 2025, with 31 servicemember complaints. Most were submitted by web.
Most complaints came from TX (68), FL (65), VA (49) , then CA, GA, NC.
How Military Star card (AAFES) answered
| Closed with explanation | 545 | 100% |
Military Star card (AAFES) responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). Where the company published a response, the most common was: "Company has responded to the consumer and the CFPB and chooses not to provide a public response" (538). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Credit reporting or other personal consumer reports; Incorrect information on your report. FL, 2024-08-29. Outcome: Closed with explanation. Complaint 9986110
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Credit reporting or other personal consumer reports; Problem with a company's investigation into an existing problem. FL, 2024-09-02. Outcome: Closed with explanation. Complaint 9981761
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Credit card; Fees or interest. LA, 2024-08-30. Outcome: Closed with explanation. Complaint 9960516
If this is your problem at Military Star card (AAFES)
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page. This site's verified guide to the company's own military policies: MILITARY STAR Card: 13.99% APR, Payoff Calculator, 6% Deployment Rate.
Compare with credit reporting peers
- Fidelity National Information Services, Inc. (Fnis) 574 servicemember complaints; 0% with money back
- Cbc Companies 439 servicemember complaints; 0% with money back
- TD Bank 684 servicemember complaints; 11% with money back
- Affirm 733 servicemember complaints; 0% with money back
- Self Financial 380 servicemember complaints; 1% with money back
Next in the directory by volume: Kriya Capital, Clgf Holdco 1, I.c. System.
Frequently asked questions
How many complaints did servicemembers file against Military Star card (AAFES)?
545 complaints tagged servicemember were received by the CFPB about Army and Air Force Exchange Service between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 149 in 2023 to 241 in 2025.
What do servicemembers complain about most at Military Star card (AAFES)?
Credit reporting or other personal consumer reports accounts for 208 of the 545 complaints, and the most common issue is "Incorrect information on your report" (147). Next: "Improper use of your report" (77).
Does Military Star card (AAFES) give money back when a servicemember complains?
0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 0 closed with non-monetary relief and 545 closed with an explanation only. Military Star card (AAFES) answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.