Army and Air Force Exchange Service

Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX 2018 ).

On or about XX/XX/year>, a MILITARY STAR credit card account was opened and later reported to the credit bureaus in my name without my authorization. The account is currently reporting a balance of approximately {$3300.00} and a recent XXXX late payment. I did not apply for, open, authorize, use, or benefit from this account. As a result of this reporting, my credit scores have been significantly damaged. The account is being reported as delinquent and continues to negatively affect my ability to obtain credit. I have reason to believe this account is the result of identity theft and/or unauthorized use of my personal information. I am requesting that MILITARY STAR conduct a reasonable investigation, provide all application and account-opening records associated with this account, including any signatures, electronic application records, IP logs, identity verification records, transaction records, and communications, and determine whether the account was fraudulently opened.…

I am a XXXX XXXX veteran and XXXX XXXX card account holder. I am reporting fraud, unlawful debt collection, and documented Treasury Offset Program abuses by the Army & Air Force Exchange Service ( AAFES ) and its collection agent, XXXX XXXX XXXX XXXX ( XXXX ). The XXXX XXXX On XX/XX/XXXX, AAFES issued a written liability determination that states verbatim : This is a civil matter, due to your ex making the purchases. AAFES simultaneously held me responsible for those same purchases. An agency can not find that a third party made unauthorized charges and impose liability on the account holder in the same document. That determination is arbitrary and capricious on its face under XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX ), and constitutes a binding admission against interest that this debt is not owed by me.…

Army/Air Force Exchange Service ( AAFES ) is reporting a {$770.00} collection account on my XXXX, XXXX, and XXXX credit reports. This account became a collection in XX/XX/year>. I have never received written notification or debt validation from AAFES prior to this collection being placed on my credit reports. I dispute the accuracy, validity, and balance of this account and am requesting deletion from all three credit bureaus under FCRA 611 and FDCPA 1692g.

My husband I suppose owes a debt from way before he met me. AAfes has taken all my money of my tax refund for XXXX. This year i filled an injured spouse cause all the tax money is mine. My husband has no income what so ever. They put my name on the aafes debt. Which is not mine and I would never apply for an aafes XXXX-card knowing what a ripoff and extortion of XXXX they are also using a unethical practice and third parties. That constantly call me and have harassed me for a debt thats not mine. I got nothing to do with that at all. I need them to immediately remove my name from any documents when they are trying to collect anything from anywhere. That is called being a thief so get my name out of your papers, my number and social security number out of their company records. They will not get a dime from me. As far as last years income tax also filed a injured spouse amendment {$810.00} will have to be refunded.

In XX/XX/XXXX, Military Star issued me a {$100.00} rewards card with an expiration date of XX/XX/XXXX. On XX/XX/XXXX, I used that card and a separate {$20.00} rewards card to place XXXX order # XXXX. On XX/XX/XXXX, I canceled the order. After I canceled the order, I contacted XXXX customer service. A phone representative informed me that XXXX would issue a replacement {$100.00} rewards card with a new 90-day usage period because the original card was only two days from expiration when I canceled the order. Based on that representation, I reasonably believed I would have approximately 90 days to use the replacement balance. On XX/XX/XXXX, XXXX emailed me, stating that the {$100.00} rewards card was " now available to use '' and that it had issued a replacement {$20.00} gift card. However, XXXX did not disclose that the {$100.00} rewards card would expire on XX/XX/XXXX. The Military Star rewards website also did not display the card 's expiration date.…

XXXX XXXX XXXX ( XXXX ) was assigned a debt originally owed to AAFES. XXXX contacted my employer and sent documents containing my personal debt information to my workplace without my consent and without a court judgment. I am a XXXX employee of a government contracting company working on a federal installation. This unauthorized disclosure has jeopardized my employment and professional reputation. XXXX also added collection fees not authorized by my original agreement. AAFES has confirmed the account can be recalled from XXXX. No court judgment exists against me. TSIs contact with my employer has caused significant stress and potential harm to my employment situation.

I have twice requested Military Star apply the Louisiana SCRA law to my account and my wife 's ( XXXX XXXX ) accounts. We provided a copy of the law, a request, and a copy of my orders showing my wife was included. Military Star denied our requests stating that the LA law does not apply. Louisiana Statute Title 29:312 clearly applies to charge cards.

I am an XXXX XXXX United States XXXX XXXX requesting enforcement of my rights under the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3937. My Military STAR XXXX XXXX XXXX XXXX account continues to accrue interest at 21.74 % APR despite my eligibility for SCRA protections. My statement reflects ongoing interest charges above the federally authorized 6 % cap for pre-service obligations. The creditor has continued charging excessive interest and penalties while also reporting the account as delinquent. I am requesting : 1. Immediate reduction of the interest rate to 6 % 2. Retroactive recalculation of all interest from my XXXX XXXX start date XXXX. Refund/credit of all excess interest and fees charged above 6 % 4. Review and correction of any negative credit reporting associated with improper charges 5.…

The Army and Air Force Exchange Service ( AAFES ) Military STAR program is reporting information on my credit file that requires correction. I have an active voluntary payment plan on my Military STAR account ending in # XXXX, which requires monthly payments of {$110.00} due on the XXXX of each month. I have been making consistent payments since XX/XX/2026, including bi-monthly {$100.00} payments via XXXX XXXX Bill Pay. My wife and I have also submitted a signed repayment agreement on the related Military STAR account ending in # XXXX. Despite these good-faith arrangements made during a documented financial hardship caused by a TSA paycheck disruption, the accounts remain in collection status on my credit report.…

I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law.…

I had a credit card with AAFES that I could no longer make payments due to loss of job and support from husband who passed in XXXX. Account was closed XX/XX/XXXX and sent to XXXX collection agency. Balance was a little over {$2500.00} and my XXXX income tax was taken in the amount of {$1200.00} and {$180.00} has been garnished from my social security payments since XX/XX/XXXX amounting to over {$3000.00} so AAFES has already taken over {$4000.00} on a {$2500.00} balance and I was advised amount owed now is {$4000.00} making a {$2500.00} balance owed cost over {$8000.00}. I was diagnosed with XXXX XXXX XXXXXXXX XXXX in XX/XX/XXXX and I contracted XXXX to apply for a Hardship discharge and was advised they could send me application but it must be submitted and I must contact AAFES XXXX for further action. I sent completed application to AAFES in XX/XX/XXXX and received a decision dated XX/XX/XXXX offering me to pay {$100.00} for 2 years.…

A fraudulent address was on my account charge page. I contacted the company Military star card. They notified me the address was changed XXXX XX/XX/year>. A couple purchases were made. One was caught. However, another went through and a {$1700.00} computer was purchased and sent to the address. After a year of me paying for this charge. They were able to remove the charge. However the address are on all my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These need to be removed. I am submitting this complaint regarding fraudulent charges and an unauthorized address change on my credit card account that has only been partially resolved. Without my knowledge or authorization, charges were made on my account and my billing address was changed. I contacted the company and while some action was taken, the matter has not been fully resolved.…

I called military star to see why my report stated that I still owed money when it was taken from my tax return. They connected me with the collection company and I asked the same thing and got told that the people who could handle my problem were not available and they'd call me back they never have. I have even stated that I have documentation showing that the irs took it from my taxes and nothing.

I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

XXXX payroll records now reflect the underlying XXXX debt balance as paid in full, with an unpaid debt balance of {$0.00}. Despite this, XXXX XXXX XXXX continues attempting to collect thousands of dollars in additional amounts that have not been clearly reconciled or validated. I have not received a complete accounting showing what portion of the remaining balance represents principal, interest, collection fees, or other charges. Because the underlying debt reflected through XXXX offsets now appears satisfied, I am requesting immediate suspension of additional interest accrual and collection activity until a complete reconciliation is provided. Additionally, the accounting records provided by the XXXX and XXXX XXXX XXXX reflect multiple interest charges that are not clearly explained or reconciled.…

XXXX payroll records now reflect the underlying XXXX debt balance as paid in full, with an unpaid debt balance of {$0.00}. Despite this, XXXX XXXX XXXX On behalf of AAFES continues attempting to collect XXXX of dollars in additional amounts that have not been clearly reconciled or validated. I have not received a complete accounting showing what portion of the remaining balance represents principal, interest, collection fees, or other charges. Because the underlying debt reflected through XXXX offsets now appears satisfied, I am requesting immediate suspension of additional interest accrual and collection activity until a complete reconciliation is provided. Additionally, the accounting records provided by the XXXX and XXXX XXXX XXXX reflect multiple interest charges that are not clearly explained or reconciled.…

I owed the military star card XXXX dollars and after several attempts with this company to arrange a reasonable payment plan, the company put me in collections with XXXX systems. XXXX systems began garnishing my wages without a court hearing or notification. After garnishing my wages and refusong to explain or give me access to any information of fees and penalties I am being charged. After garnishing my wages for a year and me paying over XXXX dollars they stop garnishing my wages. I contacted my HR department and they said I must have paid them off because they ended the garnishment. XXXX XXXX now say I owe them over XXXX dollars. I feel that there will never be any end to this financial assault.

On XX/XX/year>, I ordered one {$100.00} XXXX XXXX gift card. I received an email with gift card number and pin. Then i noticed the charge for {$1300.00} for 13 {$100.00} XXXX cards. I contacted aafes immediately and they have never removed it. I asked them to send me the ones I was charged for or remove them completely. I told them it should be easy to track if it was issued. They have never resolved it and stopped replying. I have disputed and its not been corrected and now its in collections. Very disappointing experience. I have sent emails nearly monthly since XXXX and received zero assistance.

I asked if my monthly payment was applied to the highest interest rate balance first before being applied to XXXX percent interest promotional balances. I also asked why the promotional balances do not appear on my statement. The only useful thing that appears on my statement is the date the promotional offer expires, but not the balance remaining of the promotional purchase. The customer service representative I spoke with said that I need to call them to tell them how to apply my payment to the different balances. This info does not appear on my statement. I believe that they are intentionally paying down my interest-free promotional balances before the offers expire so that my retail purchase balance remains and acrues interest. My monthly payment usually ( if not always ) is greater than my monthly regular purchases. The intention is to avoid paying interest by paying in excess of my regular purchases.

AAFES/MILITARY STAR illegally seized my XXXX federal tax refund through the Treasury Offset Program without providing the legally required pre-offset notice under 31 U.S.C. 3716 and 31 C.F.R. 285.7. AAFES claims they sent statements to my old address and that mail was " returned. '' However, I moved from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX in XXXX. This is confirmed by a XXXX XXXX XXXX statement dated XX/XX/XXXX, billing me at XXXX XXXX XXXX for services rendered XX/XX/XXXX and XX/XX/XXXX. Despite knowing or having reason to know my address changed, AAFES : Continued mailing statements to the old address in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Never updated my address in their system Never sent the legally required pre-offset notice to my correct address or IRS filing address Successfully executed a Treasury Offset on XX/XX/XXXX for {$2100.00} using my correct SSN/IRS information , proving they had accurate data but chose not to use it for required…

I am a XXXX XXXX XXXX veteran. AAFES/Military Star used the Treasury Offset Program ( TOP ) to seize my XXXX federal tax refund for a private-label retail credit card debt without providing the legally required pre-offset notice under 31 U.S.C. 3716 ( c ). In early XXXX, I filed my XXXX federal tax return expecting a refund. When the refund arrived, it was significantly reduced. Upon investigation, I discovered AAFES/Military Star had offset my refund through TOP for an alleged debt on a Military Star card. I received ZERO advance written notice of the debt, the offset, or my right to dispute in direct violation of federal law. I have checked all mail, email, and spam folders. No notice was ever sent. The Military Star card is a private-label retail credit card, not a federal debt that qualifies for TOP. Using TOP for this type of debt may violate the Administrative Procedure Act and due process protections.…

On XX/XX/XXXX, {$4500.00} was taken from my federal tax refund through the Treasury Offset Program for this alleged debt. However, AAFES previously responded to a CFPB complaint stating that this account was charged off on XX/XX/XXXX and marked paid in full on XX/XX/XXXX. Despite this paid in full designation, collection activity has continued. When I contacted the collection agency servicing this account, I was informed that multiple Treasury offsets have already been applied over several years, totaling approximately {$15000.00}, in addition to the recent {$4500.00} offset. This indicates that nearly {$20000.00} has been collected on this account, yet no complete accounting has been provided, this far exceeds the original balance. I have requested a full itemized accounting of the debt, including the original balance, all transactions, payments, offsets, fees, and adjustments. Both AAFES and the collection agency have failed to provide this information clearly.…

There is not sufficient legal justification for the addition of approximately {$1100.00} in collection charges. Under 15 U.S.C. 1692f ( 1 ), a debt collector may not collect any amount unless it is expressly authorized by the original agreement or permitted by law. I request documentation showing : The original signed agreement authorizing third-party collection fees. A complete itemization of the balance, including all fees added post-charge-off. The contractual or statutory basis permitting XXXX to impose these fees. As the originating creditor, the Army & Air Force Exchange Service retains responsibility for ensuring that any third-party collection activity on its behalf complies with federal law. Referring me to XXXX does not resolve this dispute.…

I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Formal Dispute, Request for Validation, and Settlement Offer XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Phone : XXXX Date of Birth : XXXX Last XXXX SSN : XXXX To Whom It May Concern, I am writing to formally dispute the alleged Military Star account balance being reported and collected by Army & Air Force Exchange Service ( AAFES ) and XXXX XXXX XXXX. ( XXXX ). The notice referenced in your correspondence was mailed to XXXX XXXX XXXX. I have not resided at that address since XX/XX/2024. A change-of-address was filed with the XXXX XXXX XXXX XXXX at that time . Because the notice was sent to an outdated address, I did not receive it. In addition, my Military Star account had been locked or disabled without my knowledge. Because of this, I was unable to access my account online to review the balance, make payments, update my address, or communicate through the account system.…

Military Star allowed an account to be opened and is reporting to my credit that does not belong to me and I have been disputing this account since the beginning of the year.

Complaint Title : Unfair debt collection, improper garnishment structure, and continuous interest accrual preventing account from becoming current Complaint Description : I am filing a formal complaint against the Exchange Credit Program XXXX XXXX XXXX XXXX ), which is a government-affiliated credit account that is currently being collected through involuntary wage garnishment via XXXX from my military retirement pay. My concern is not the existence of the debt, but the manner in which it is being collected and managed, which appears to be unfair, misleading, and structurally designed to prevent resolution of the account. Key Issues : 1. Garnishment Amount Does Not Bring Account Current My wages are being garnished monthly ; however, the amount being deducted is significantly lower than the required minimum payment and does not satisfy the past-due balance.…

To : Consumer Financial Protection Bureau XXXX : Improper Closure of Military Star Card Account Without Notice and Credit Score Harm I am filing a formal complaint regarding the Army and Air Force Exchange Service ( AAFES ) Military Star Card program for the sudden closure of my credit card account without notice and the resulting negative impact on my credit profile. I have held my XXXX XXXX XXXX account since XXXX, making it my oldest credit account. This account has been maintained for decades and represents a significant portion of my established credit history. I was not provided any prior notice that my account would be closed. I only discovered the closure after the fact. I was not informed of any delinquency or account misuse that would justify this action. The closure of this account will cause substantial harm to my credit profile by reducing the average age of my credit history and removing my longest-standing account. This will negatively impacted my credit score.…

I am disputing the accuracy of a debt previously handled by XXXX XXXX XXXX XXXX ( XXXX ) on behalf of AAFES ( Military Star ). The original balance was approximately {$6300.00}. Since then, a significant amount has already been paid toward this account through multiple sources, including : Wage garnishment ( approximately {$3000.00}, beginning around XX/XX/year> ) XXXX XXXX XXXXXXXX ( tax refund offsets, approximately {$4000.00} ) Additional direct payments made by me Despite these payments, the current balance being reported and collected does not reflect the total amount paid and appears to be inaccurate. I have made multiple attempts to resolve this issue directly with the company, including phone calls, disputes, and written communication. However, I have not received a complete or accurate accounting of the debt.…