Army and Air Force Exchange Service CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	GU XXXXX	Web	Servicemember
Email I sent to the XXXX XXXX XXXX XXXX Company on XX/XX/XXXX : -- -- -Original Message -- -- - From : XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : Credit Reporting Disputes Cc : XXXX Fraud & Disputes Dept XXXX XXXX Subject : [ External-Mail ] -Severe Credit Score Drop Due to Unacceptable Fraud Processing by XXXX XXXX Dear XXXX XXXX Credit Disputes, This month my credit score dropped from XXXX to XXXX due to XXXX XXXX XXXX unacceptable handling of a fraudulent charge to my XXXX XXXX credit card. In XX/XX/XXXX, I moved to XXXX on military orders. Prior to moving to XXXX, I shredded my XXXX XXXX Credit card because I never used the card. My XXXX XXXX account had a {$0.00} dollar balance when the card was shredded. I also did not want to use the card because I knew the address and phone number listed on the account were going to change once I moved to XXXX. I did not want to use the card and not receive billing statements because I had moved. On XX/XX/XXXX, my mom called to inform me that I had received a notice from XXXX XXXX that I had an overdue balance of {$24.00}. That same day on XX/XX/XXXX, I immediately called XXXX XXXX 's customer service line at XXXX and stated that the {$24.00} charge made to my account on XX/XX/XXXX was fraudulent because I had NOT USED THE XXXX XXXX credit card. I asked where the charge took place and was told XXXX XXXX. I asked the customer service representative to please provide the location ( i.e. country, city, etc. ) of the charge. She said she could not provide the location of the fraudulent charge. I needed the location to prove with 100 percent certainty that the charge was fraudulent. I have only been in XXXX and no other location since XX/XX/XXXX. Any charge outside of XXXX would had to be fraudulent. The XXXX XXXX representative said that due to my limited internet access I could call the Fraud department at XXXX to report the fraudulent charge. I immediately called the Fraud Department and no one answered after several attempts to call. On XX/XX/XXXX, I called the XXXX XXXX 's customer service department a second time to try to find out the location of the charge. Again, the representative would not provide me the location. The representative told me that I had to email XXXX to file a fraud claim. I told her that my internet access was extremely limited. She said sending an email or mailing a completed form were the only ways to dispute the charge. I never received a copy of the form because I am stationed in XXXX and mail went to my mom 's address in XXXX. After not being able to send an email due to very limited internet access, I called XXXX XXXX 's customer service department again, a third time, on XX/XX/XXXX and explained I could send an email and did not have a form to mail. Again, I was told those were the only options and that the representative could not provide any more help. It was hard for me to believe that XXXX XXXX 's customer service could not help me over the phone given my situation of limited internet access and not having the form to mail. I called the XXXX XXXX customer service line a fourth time on XX/XX/XXXX asking if there was any more assistance they could provide given my limited internet access and was told, " No ''. I have worked hard to maintain an excellent credit score. I was devastated when I saw it drop by 130 points due to XXXX XXXX 's unacceptable handling of the fraudulent charge, I called XXXX XXXX XXXX customer service line a FIFTH TIME asking for help and explaining that I needed to know the location of the charge. FINALLY, I spoke to the first helpful representative. She told me the location of the charge was XXXX XXXX 's in XXXX XXXX. I have never been to XXXX XXXX. The name of the extremely helpful and understanding representative was XXXX. I wish I knew her last name to give her credit for being so helpful. XXXX was the only representative who provided me the location of the charge. All other representatives on the four other calls said they were not able to provide the location. XXXX also told me that I COULD have paid the fraudulent charge and processed the fraud later to avoid any negative ramifications. The other four representatives NEVER TOLD ME THIS! I thank XXXX for her help. She provided the following information associated with the charge : Authorization # XXXX Ticket # XXXX Reference # XXXX Clerk # XXXX XXXX also informed me that XXXX XXXX took money out of my military pay. It is absolutely unacceptable that XXXX XXXX did not call me and let me know that my military pay would be deducted and that they were going to make a report to the credit bureau AFTER I INFORMED XXXX XXXX FOUR SEPARATE TIMES of the fraudulent charge and that my internet access was extremely limited and that I can not receive any mail going to the California address since I moved to XXXX. XXXX XXXX XXXX handling of the fraudulent charge has been completely unacceptable. The credit card company, XXXX XXXX has always called me about a charge in a foreign country to verify that the charge was not fraudulent. I am very surprised that XXXX XXXX does not follow the same protocol that XXXX XXXX has in place. I can not afford to have the incorrect delinquency reported on my credit score. I need XXXX XXXX to immediately correct the inaccurate report they made to the credit bureau so my credit score returns to the XXXX score that I have worked so hard to get. I am buying a house in the next month and need my credit score back to what it should be before XXXX XXXX 's error. Please fix the error as soon as possible, and report the correction to the credit bureau no later than XX/XX/XXXX so that I can still buy the house within the next month. The attachment shows the drop in my credit score from XXXX to XXXX due to the incorrect " serious delinquency '' reported by XXXX XXXX. Also, please report to the XXXX your mistake in deducting the money from my pay. Please keep me informed of all actions you are taking to fix this situation. Also, please provide a good contact number and hours of operation of the Credit Disputes department so that I can follow-up with steps taken to change my credit score back to XXXX. I need a contact number for your department because my internet access is limited. I would also very much appreciate a phone call from your department concerning this matter as soon as possible. My phone number is XXXX and I am on XXXX time. I will also keep my legal department informed of your updates in fixing the inaccurate report to the credit bureau so that it does not prevent me from making my planned home purchase. Thank you. Very Respectfully, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX Cell : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Response received from XXXX XXXX after I called them multiple times to get them to check the email I had sent on XX/XX/XXXX : -- -- -Original Message -- -- - From : Credit Reporting Disputes [ mailto : XXXX ] Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX XXXX XXXX Subject : [ Non-DoD Source ] RE : Severe Credit Score Drop Due to Unacceptable Fraud Processing by XXXX XXXX Hello XXXX XXXX XXXX, Thank you for contacting the XXXX XXXX XXXX. Regarding your credit reporting inquiry, we can only remove negative reporting, if due to an AAFES error. I have forwarded your information below to XXXX to open a case and investigate your account. All requests are worked in the order received. Thereafter, they will determine the results of the investigation. Thank you for your service, and if you have any further questions or concerns regarding your account, please feel free to contact XXXX. Sincerely, XXXX XXXX XXXX XXXX Army & Air Force Exchange Service XXXX Visit our online store! XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - After additional multiple phone call to XXXX XXXX, I sent this email on XXXX : XXXX XXXX Credit Reporting XXXX, I plan to file suit against XXXX XXXX. As of XX/XX/XXXX, XXXX XXXX still has not finished their investigation to determine whether the charge referred to in email traffic below is fraudulent or not. They have stated that they have up to 90 days from the date of my dispute to resolve the issue. I first reported the dispute through a phone call to XXXX XXXX on XX/XX/XXXX due to having extremely limited internet access and no access to my mail until after XX/XX/XXXX. 103 days have passed since I reported the fraudulent charge to XXXX XXXX and they still have not resolved their mistake that has devastated my credit score, a XXXX point drop from XXXX to XXXX. If protocol is to not begin investigation of claims of fraudulent charges made over the phone, then I believe that protocol is unacceptable and needs to be changed, especially for overseas military members with extremely limited internet access and no access to mail at home. I know this protocol can be changed. I believe XXXX XXXX has been negligent and has not fulfilled their obligation to investigate the fraudulent charge to my account and resolve it in a reasonable period of time. I believe XXXX XXXX has violated the fair credit reporting law. Please refer to email traffic below. Prior to filing suit, I am giving the XXXX XXXX Credit Reporting Disputes Department the final opportunity to resolve the situation. Given that 103 days have passed since I first notified XXXX XXXX of the fraudulent charge to my account, I believe we are already passed a reasonable period of time to resolve the problem. However, I prefer avoiding a lawsuit. Within seven days from now, please resolve the incorrect report made to the credit bureau concerning the {$24.00} fraudulent charge. It is currently XXXX pm on XX/XX/XXXX in XXXX. I am still at work tonight and will be up until XXXX am ( XXXX time ) as a result of my continuous follow-up with XXXX XXXX concerning this matter. I have to wake up at XXXX am tomorrow ( XXXX time ) to get ready for work. However, feel free to call me at any time. I will continue to work around your schedule. To date, I have not received one phone call from XXXX XXXX. My phone number is XXXX. I need this situation resolved so that I can return to a more normal sleep schedule here in XXXX and successfully execute my daily duties. Email traffic below has full details of the situation previously sent to Credit Disputes. Please coordinate with the fraud department and resolve the inaccurate report XXXX XXXX made to the credit bureau so my credit score returns to the XXXX score that I have worked so hard to get. I have also thoroughly informed the fraud department of the situation. Please work together to get this situation resolved. Very Respectfully, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX Cell : XXXX Office : XXXX Current Status : I called XXXX XXXX at XXXX pm last night on XX/XX/XXXX XXXX time after I sent all of the above emails to see if there was anything I could provide to help with the investigation. They asked for me to provide my military orders proving that I have been in XXXX. I am sending them a copy of my orders today. XXXX XXXX XXXX handling of this fraudulent charge is unacceptable and goes against the policies of major credit card companies such as XXXX XXXX. XXXX XXXX should not be allowed to provide a credit card service to the service members of this country as long as they continue to follow unacceptable protocols with devastating impacts to the financial well being of Military members. Please help.
07/07/2021	No	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	FL 32935	Web	Servicemember
Over the last three years, Ive consistently tried to work with the United States Air Force and Army Air Force Exchange. To rectify identity theft and fraud issues and bring my account into good standing. After six months of the worst customer service Ive ever experienced in my entire life and three years of noncompliance at Army Air Force Exchange, all the way up to the highest echelons of leadership. Its no longer a matter of seeking a vote of no confidence from the Board of Directors. When employees actively cover up and willfully try to defraud customers on record on the phone multiple times over the course of two years. Theres a history and timeline of preventing customers from access Two accounts in and timely manner. While simultaneously going behind customers ' boxes while assuring them that they would be probably followed up promptly and then customers finding out that their bills and then inflated by {$2000.00} while following up with law enforcement on three separate occasions. XXXX here for six change also knew his XXXX XXXX knew that I was due for neck and back pain-relieving procedures in XX/XX/XXXX. They further sent my wages to be garnished in the middle of me having that procedure forcing me to postpone it. XXXX XXXX at Army Air Force Exchange XXXX XXXX XXXX XXXX XXXX XXXX knew this several times and then lied about it when I called her back. She further refused to follow up with management or her staff regarding every one of the issues that I brought to the attention multiple times. When this was brought to both XXXX XXXX and XXXX and the loss prevention manager I was threatened. XX/XX/XXXX. This is after my XXXX bank card has been compromised six times causing me to have to replace it and be without funds. The fifth time that my XXXX account has been hacked And repeated hacks on my XXXX account resulting in the closure of all of them. Army Air Force Exchange then proceeded to send my information on to XXXX XXXX in Ohio in Delaware and Washington DC. This is after they informed XXXX and Social Security and IRS and Department of the treasury. While at the same time refusing to honor or credit any payments that have been made since XXXX legally and properly. As per XXXX every two weeks. And every two weeks since XXXX. The United States Air Force and Army Air Force exchange that been non-compliant and their financial obligations to their vendors and customers. Of which some happen to be permanently XXXX and have mobility issues. No, follow up by Army Air Force Exchange or the United States Air Force and identity theft, the employee in Security and Public Affairs Conduct, no follow up on cybersecurity reports, follow up on staff being absent without leave from the post, and follow up on dereliction of duty the United States Air Force Personel. And follow up by the United States Air Force on its employee 's felony fraud and Ponzi scheme is happening on face to the community. Now follow up on willful dereliction of duty and willful neglect of the victims of fraud and failure to advocate for victims of fraud on base. Now follow up by leadership on base on the conduct of each of the individuals of the XXXX XXXX and XXXX XXXX XXXX XXXX XXXX they refused to answer on why they were sitting on cybersecurity reports for five months. While being out of uniform. No, follow up on drug screenings for those same individuals including a XXXX XXXX and commander a XXXX XXXX XXXX XXXX. No, follow up on XXXX XXXX XXXX th Space Command on being AWOL from XX/XX/XXXX to XX/XX/XXXX. No, follow up on the contact of XXXX XXXX or the loss prevention manager or XXXX XXXX or the manager of the commissary or the main exchange or the gas station or the security XXXX or Public Affairs or the Command I was ever following up after refusing my mail. And police report on the conduct of employees happening in XXXX XXXX XXXX XXXX XXXX XXXX. No, follow up on a XXXX XXXX, a XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, the information security officer on XXXX XXXX XXXX XXXX, Information security officer at Army Air Force Exchange XXXX crediting my account and a legal and proper and timely manner. Why they were threatening customers with a {$10000.00} fine if I didnt send them five copies of my signature and medical insurance account information including XXXX XXXX and XXXX. And why the United StateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas cant seem to follow up on routine customer requests in the seven and 10 business days every other customer and business is required to buy law in America under the consumer protection act and Fair Credit Protection, And freedom of information act. The United States Air Force personnel are in direct violation for willfully withholding reports on employees committing a felony fraud against customers while selling secrets And customer account information to individuals in entities overseas. Each individual is still me in an email is keenly and very aware of the actions that they are doing as XXXX XXXX was caught on record perjured himself with the correct address and didnt seem to want to follow up on that correct address with freedom credit repair. XXXX XXXX has perjured herself for three years in a row. As has XXXX XXXX from XXXX Air Force Base Main Exchange. XXXX XXXX, XXXX, and Store Loss Prevention Managers were all aware of the situation and lied about it, and perjured themselves multiple times, and after the Loss Prevention Manager threatened me as I was giving him the Attorney General 's phone number on XX/XX/XXXX three years after not researching and honoring Army Air Force Exchange 100 % Guarantee on ANY Identity Theft Issues. Instead, each employee contributed to the fraud by sitting on a report, covering them up from management, refusing to make calls and emails, refusing an official XXXX XXXX Police Report. XXXX XXXX, XXXX XXXX, and XXXX XXXX all went behind Law enforcement, XXXX XXXX Staff, and XXXX customers while engaging in Gift Card fraud. XXXX XXXX and XXXX XXXX were recorded several times, lied about accounts, threatening customers, and bragging that XXXX XXXX could not lose his job. XXXX space command security squadron repeatedly refused cybersecurity reports and updates. XXXX XXXX XXXX XXXX sat on emails and returned physical police reports by mail without submitting them. XXXX XXXX a Command refused to go across the street and interview Employees about the fraud situation on base. XXXX Space Command Security personnel were out of uniform and drunk On duty. Resulting in prolonged financial hardship and undue stress due to willful neglect on the part of active-duty XXXX XXXX security personnel refusing to advocate for victims of a XXXX XXXX perpetrated by their friends and coworkers on base. Each of the Managers and Employees, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Loss Prevention XXXX, HR Supervisor, XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Public Affairs XXXX Space Wing, Commander XXXX Space Wing all need to be removed from XXXX XXXX or Office and each prosecuted to the full letter of the XXXX under XXXX XXXX Dishonorable Discharge mandated law and Federal Criminal Law under Consumer Protection Act and the Fair Credit Reporting Act, Felony Wire Tap Fraud, Failure of XXXX Space Wing to report XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Failure of XXXX Space Wing Public Affairs to Address fraud and poor XXXX and Security conduct and very poor performance on base and promptly. Failure of XXXX XXXX to instill order and discipline on base, Failure to stand a watch, failure to report for duty in official Government XXXX, Failure to advocate for victims of fraud on base, and for willful dereliction of duty on multiple occasions since XXXX.
07/07/2021	No	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	FL 32935	Web	Servicemember
To whom all it may Concern, Buyer BEWARE & Vender BEWARE It is time to reconsider and re-evaluate each of your relationships with Army Air Force Exchange & XXXX XXXX. As well as the way that taxpayers & voters do business with our military bases. Here and abroad. This email is a stark reminder & warning of the cost of doing business with these two fraudulent companies. Buyer beware and Vender Beware. All respect of the vendors, government agencies, public affairs, and media contacts that deal with Army Air Force Military Star Card & Exchanges worldwide. If you are a vendor doing business with AFFEES. Please reconsider the following. Your business arrangements going forward are NOT SECURE. AAFES does not honor its cyber-security contracts. They are two years delinquent on labor subcontracts before the pandemic resulting in multiple breaches. AFFES forces out small businesses under their umbrella that pay rent directly to Army Air Force exchange. Including Phone Kiosk vendors. Ask around. The primary concern is not the bad XXXX or XXXX XXXX Reviews that both companies have amassed. which now for XXXX is over one thousand negative fraudulent reviews. It's the unsecured network AFFES continues to run and the scam artists they hire out at XXXX. It's the money they kept including taxpayer money, for the labor to upgrade the network. That the Exchange sat on. This includes purchase card point purchase machines that are not secure their cyber Network is not secure and at least three other families in the area that I know of personally. That being said. Each company should re-address your security concerns dealing with the Exchange and reevaluate the risk associated with a company that is operating under the table, and any credit card dealings with the Army Air Force exchange over the last three years. Because of AFFESS & XXXX internal problems, greed on a national scale. They choose to " NOT '' upgrade all their credit card machines even though they misled the public on XXXX. Telling everyone that they have a new biometric system credit card system? Store Managers in Florida, Tenessee & Kentucky respectively all say differently and complain to customers how management never " takes care of it '' They roll their eyes because the credit card systems at least 10 years old always hang up they always have to re-check your entire basket of merchandise out. And then when you get the bill three months later theres fraudulent billing on it? The website has never been updated. A host of supervisors up the chain of command all the way going to XXXX do not follow up and yet make shady deals with the Department of the treasury to suit their own needs and to make the contract up as they go along. You dont have to look as far as my situation but there are very poor business decisions at Armed Forces exchange like removing DVDs and movies and most of the physical games? Gift card scams on an epic scale. An active-duty Air Force police that doesnt care enough to walk across the street because theyre in on the gift card action which goes all the way up the chain of command as well. Thats XXXX XXXX XXXX XXXX. You dont look any farther but to see the commander 's portrait on the wall as you walk into the Exchange. One would think that the XXXX XXXX wing commander has more important things to do than worry about a department store that is not secure, out of date, and overpriced? What does it say about their business dealings with each of you? Or theyre concerned for any of their customer 's identity or security? Considering this is supposed to be a secured military star card for our active-duty troops, their families, and a host of Veterans some of which are permanently XXXX like me. It doesnt have to be said that its simply not a matter of going out in town and shopping locally. But also considering that there was a mask mandate put on the base and members of the security squadron dont wan na wear their masks and at the exchange, they dont wan na wear the masks. Perhaps some of the people at the world health organization would like to contact the department of defense and the department of the Air Force about their PPE requirements and mandates? Can you see it becomes a little more than just my credit card? It becomes a health issue, it becomes a national defense issue, it becomes a federal and felony wire transfer fraud problem, it becomes an embezzlement problem. It concerns every person that has worked for the government or currently works for the government. As in XXXX all of your information was affected as well it affected millions of people. And yet all through that and XXXX, the Exchange was supposed to update their contract on Towing to purchase machines and yet they sat on it for two years? In the last year alone I have 87 calls into the Exchange and XXXX to try and adjust and fix the things on my account. And after a month and a half of not a single follow-up. Each of the XXXX XXXX XXXX Managers know exactly who is doing what and where the problem starts and it starts at the Exchange. XXXX and Supervisors at the Exchange and XXXX sit on the contract, collect that interest, and millions of dollars. We the customers, taxpayers, and Vendors pay the price. My identity is now stolen, our bank accounts compromised, my credit is ruined to the point where I have to file for a potential bankruptcy. Thats not including what happened to my neighbor down the way to the Exchange and XXXX is doing the same thing too. Is it ethically the right thing to continue to do business with companies that are not interested in doing business with each of you? That run their Veteran-owned subcontractors off? If Army Air Force Exchange and XXXX do not respect basic business contracts that they facilitate. -What do you think they are going to do to each of your companies ' profit margins? These people rely on volunteer labor as well instead of paying a living wage to the employees that do show up to do their jobs. This added cost savings. Buffers The Exchange and XXXX along with the vast number of wage garnishments that pad their pockets. -Those profits and take away from your bottom line. As they have mine. Each Vendor should thoroughly reconsider if your relationship with the way that we all do business with our military bases and this email is a stark reminder and warning to anybody out there that chooses to do business with the exchange. Buyer beware and Vender Beware. -Do not solicit from these scam artists, do not give them your business, do not go on the website and order something online this holiday season because it is not secure. Do not give them any of your personal information. Please do not use your military star card. Do not get gas at XXXX XXXX XXXX XXXX. Do not let them defraud another service member. Active or XXXX Veteran or their family. Make good ethical business elsewhere. There are other good & noble " Veteran Owned Companies '' in America and overseas that would love each of your businesses. Respectfully, XXXX XXXX
07/07/2021	No	Money transfer, virtual currency, or money service Debt settlement	Problem with customer service	FL 32935	Web	Servicemember
1 ) Do the United States XXXX XXXX and XXXX XXXX XXXX XXXX have a habit of selling personnel information off to third parties? 2 ) Do your Staff blow off calls for three years while harassing and ruining permanently XXXX veterans lives over the last 4 to 5 XXXX days, 4 to 5 XXXX days, and 4 to 5 XXXX days, or 4 to 5 XXXX and the one I had to apply in a homeless settler? 3 ) do the United States XXXX XXXX and XXXX XXXX XXXX XXXX harass XXXX customers on XXXX Day and XXXX Day when mail Doesnt run? 3 ) is it a good idea for customer service or just plain operating illegally? Perjured themselves repeatedly? Mock and harass customers further and threaten them with {$10000.00} fines if they dont give you five copies of their signature and medical insurance account information? 4 ) do you routinely breach people 's information and sell it overseas to threats? You do. Thats not a question you compromised my credit card six times in two years. Because your managers sat on the labor contract, collected the interest on that labor contract, while employees and customers suffered and had to have all of the day wasted time wasted and have to have the groceries and items checked out multiple times creating multiple errors, backups, and lost wages. 5 ) does the United States XXXX XXXX routinely take three years to get back on business matters containing financial contracts specifically with fraud waste and abuse? 6 ) does XXXX XXXX XXXX XXXX take longer than 10 business days to refund a customer 's account properly and legally if not why? 7 ) Why do you exchange managers lock customers ' accounts from afar and then send them to Ohio and then Delaware when all of them have my correct address, to begin with? 8 ) why are the United States XXXX XXXX personnel acting like children on a recorded line when you were addressing them with felony fraud issues? 9 ) why is it that you have to tell XXXX XXXX at XXXX XXXX for times it is the first time shes heard of it. And why is XXXX have an office and XXXX XXXX does not? 10 ) Why is XXXX XXXX insulting customers and hanging upon them when theyre addressing felony fraud issues happening at that same store? 11 ) Why is the loss prevention manager on XXXX XXXX XXXX XXXX threatening customers that are attempting to give him the attorney general of Floridas phone number to address employee management issues. why would he be threatening XXXX customers? 12 ) why are XXXX XXXX XXXX XXXX security personnel dressed up in XXXX T-shirts handling official government business? I can assure you each of them wanted me to dress for the occasion and then they come out looking the way that they did? 13 ) why are the United States XXXX XXXXXXXX XXXX XXXX cronies covering for managers defrauding people? 14 ) why are employees on the phone laughing at customers about not losing their jobs? 14 ) Why is the United States XXXX XXXX XXXX laughing at XXXX XXXX XXXX XXXX and XXXX XXXX XXXX in worse positions than I am? 15 ) While having XXXX XXXX XXXX XXXX and the United States XXXX XXXX XXXX repeatedly refused to credit back my account, fill out basic police reports, do routine investigations , Drive across the street, and ask what the deal was? Why? I wouldnt feel like it either if I was that hungover! 16 ) Do United States XXXX XXXX and XXXX XXXX XXXX XXXX routinely inflate customers ' bills by {$2000.00}? Or is the gift card scam operation on base that lucrative? It certainly seems to be when you charge me {$75.00} a month on goods not purchased. And when your joke of a police force cant even fill out a police report on your out-of-date credit card machines from 1995. there are a few felonies in there when you say, sir? 17 ) Would The United States XXXX XXXX and the criminals operating on base at the XXXX XXXX XXXX XXXX like to continue stressing out and harassing permanently XXXX veterans that shop on base and their families? You certainly got enough attention would you care to address any of those issues, sir? 18 ) with the following person I would like to sign an affidavit to never work in retail or touch customers ' personal information again? XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, the Loss Prevention manager. XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX ) why was Mr. XXXX XXXXXXXX XXXX XXXX XXXX and staff, XXXX months XXXX trying to address fraud issues he was out of pocket covering for his crony friends on base? He stated so on the record. 21 ) why was XXXX XXXX of the XXXX XXXX covering for all the cronies on base? Also unavailable? Is the base commander unavailable? For an entire year? After you return the police report in the mail that was forwarded on to the FBI? 22 ) How was the commanding officer 's vacation? Seems when hes not neglecting cybersecurity reports and returning mail, hes allowing Active-duty staff to show up, drunk & out of uniform? Or is that part of the operating daily procedure at the XXXXXXXX XXXX XXXX? 23 ) Were the security squadron was drinking over the holidays when I was getting defrauded by their friends. Do you think they cared while they avoided other active fraud situations being perpetrated by security force personnel and loss prevention manager? Or were they that unqualified to begin with that they didnt need to be in a position to start with? Are that loss prevention managers and staff feel so emboldened as to threaten XXXX customers? Sir, Theres enough on my plate with medical issues I can assure you that I dont need to be fielding the United States XXXX XXXX or XXXX XXXX XXXX XXXX Personnel : Complete lack of professionalism, lack of any compassion and eachs outright, lackadaisical, lazy, greedy and criminally malice attitude to break the law repeatedly By staff granted that unique privilege to even be on base. XXXX XXXX XXXX XXXX is an utter disgrace and will close permanently. The way that the United States XXXX XXXX treats the community reflects very poorly on their lack of any attention to detail, willingness to defraud the people that have kept XXXX XXXXXXXX and XXXX community safe before these criminals arriving. Each of the members of the XXXXXXXX XXXX XXXX needs to be stripped of the rank and removed from duty effective immediately. It goes without a doubt that when a store operates illegally in the mall. It closes. so shall, XXXX XXXX XXXX exchange close for good. A more trustworthy & secure vendor with up-to-date & secure financial transactions. A vendor that respects veteran-owned businesses in the community can be found somewhere else besides the XXXX XXXX XXXX XXXX. Anywhere but at The Headquarters In XXXX, Texas. That where I requested In the FBI start their raid. Then XXXX XXXX in Ohio and Delaware Good Day.
05/02/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	AL 36117	Web	Older American, Servicemember
On XXXX XXXX I made a dispute requesting the last four years of statements. Emailed received said that they can't provide the last four years of statement. On XXXX XXXX requesting proof before XXXX . You'll have to contact XXXX and ask. Is XXXX XXXX representing you in regards to this account? If you have retained an attorney, I can only speak with your attorney going forward. XXXX XXXX XXXX XXXX Division Manager XXXX XXXX XXXX XXXX Toll free: XXXX \| Fax: XXXX Notice of Confidentiality: The information included and/or attached in this electronic mail transmission may contain confidential or privileged information and is intended for the addressee. Any unauthorized disclosure, reproduction, distribution or the taking of action in reliance on the contents of the information is prohibited. If you believe that you have received the message in error, please notify the sender by reply transmission and delete the message without copying or disclosing it -----Original Message----- From: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Sent: Tuesday, XXXX XXXX XXXX XXXX XXXX To: XXXX XXXX Subject: RE: Dispute How would I know whether AAFES decides to consider settlement in XXXX ? -----Original Message----- From: XXXX XXXX XXXX XXXX ] Sent: Tuesday, XXXX XXXX XXXX XXXX XXXX To: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject: [Non-DoD Source] RE: Dispute In order to stop the garnishment you have to pay the balance in full. Payment plans will not stop federal offsets. If the garnishment has started and AAFES decides to consider settlements in XXXX , yes, paying a settlement in full would stop the garnishment as doing so would remove the lien attached to your social. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Toll free: XXXX \| Fax: XXXX Notice of Confidentiality: The information included and/or attached in this electronic mail transmission may contain confidential or privileged information and is intended for the addressee. Any unauthorized disclosure, reproduction, distribution or the taking of action in reliance on the contents of the information is prohibited. If you believe that you have received the message in error, please notify the sender by reply transmission and delete the message without copying or disclosing it -----Original Message----- From: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sent: Tuesday, XXXX XXXX XXXX XXXX XXXX To: XXXX XXXX Subject: RE: Dispute What is the amount that I have to pay? Once the garnishment start can I make a offer in XXXX ? -----Original Message----- From: XXXX XXXX XXXX Sent: Tuesday, XXXX XXXX XXXX XXXX XXXX To: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject: [Non-DoD Source] RE: Dispute The only way to prevent garnishments of federal funds is to pay the account in full. The lien on your social will remain in place until the debt is satisfied. Thanks, XXXX XXXX XXXX Division Manager XXXX XXXX XXXX XXXX Toll free: XXXX \| Fax: XXXX Notice of Confidentiality: The information included and/or attached in this electronic mail transmission may contain confidential or privileged information and is intended for the addressee. Any unauthorized disclosure, reproduction, distribution or the taking of action in reliance on the contents of the information is prohibited. If you believe that you have received the message in error, please notify the sender by reply transmission and delete the message without copying or disclosing it -----Original Message----- From: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sent: Tuesday, XXXX XXXX XXXX XXXX XXXX To: XXXX XXXX Subject: RE: Dispute What can I do to avoid the garnishment off my SSN check until I can make offer in XXXX ? XXXX XXXX XXXX XXXX XXXX XXXX XXXX -----Original Message----- From: XXXX XXXX XXXX Sent: Friday, XXXX XXXX XXXX XXXX XXXX To: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject: RE: Dispute Everything was requested on XXXX Thanks, XXXX XXXX XXXX Division Manager \| XXXX XXXX XXXX XXXX XXXX XXXX \| Fax: XXXX Notice of Confidentiality: The information included and/or attached in this electronic mail transmission may contain confidential or privileged information and is intended for the addressee. Any unauthorized disclosure, reproduction, distribution or the taking of action in reliance on the contents of the information is prohibited. If you believe that you have received the message in error, please notify the sender by reply transmission and delete the message without copying or disclosing it -----Original Message----- From: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sent: Friday, XXXX XXXX XXXX XXXX XXXX To: XXXX XXXX Subject: RE: Dispute I want some kind of proof before XXXX . I would like a copy of the statement that you send me for this debt from your company and XXXX XXXX statement. -----Original Message----- From XXXX XXXX XXXX XXXX ] Sent: Thursday, XXXX XXXX XXXX XXXX XXXX To: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject: RE: Dispute We cannot provide the last four years of statements; however, Proof of Debt was requested on XXXXX XXXXXXXXXXXXX XXXXXXXXXX/XX/XXXXX/XXXXX and will be sent to you by mail. It was also mailed in XXXX XXXX XXXX . Thank you, XXXX XXXX XXXX Division Manager \| XXXX XXXX XXXX Toll free: XXXX \| Fax: XXXX Notice of Confidentiality: The information included and/or attached in this electronic mail transmission may contain confidential or privileged information and is intended for the addressee. Any unauthorized disclosure, reproduction, distribution or the taking of action in reliance on the contents of the information is prohibited. If you believe that you have received the message in error, please notify the sender by reply transmission and delete the message without copying or disclosing it -----Original Message----- From: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sent: Wednesday, XXXX XXXX XXXX XXXX XXXX To: aafescustomer Subject: Dispute Please forward the last four years of statements. Account number XXXX XXXX XXXX
07/01/2021	No	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30907	Web	Servicemember
On or about XX/XX/2021 I attempted to reach out to AFFES on my military star account to make payment arrangements. I was informed that the account was sent to inhouse collections represented by XXXX XXXX XXXX and that I had to discuss my account with them because they could no longer accept payments from me. I spoke with an agent from that agency and they could not answer my question on whether AFFES would agree to not report my account as in collections on my credit reports if I made a payment arrangement of a XXXX dollars a month. XXXX XXXX XXXX transferred me back to AAFES after they advised that they do not report to the credit agencies and only AAFES reported to the credit agencies. The department in AFFES I was transferred to was closed for the business day and I was unable to ask them this question. On XX/XX/2021, I reached out to AAFES again to ask if they would consider not reporting my account as in collections if I made payment arrangements to pay off the debt. I was referred to XXXX Transitioning System who referred me back to AAFES and who referred me back to XXXX XXXX where I spoke with a Ms. XXXX XXXX. Ms . XXXX informed me that no payment arrangement on the debt would stop garnishments or liens against me, even though there are no court orders for a garnishment. I asked her for justification on how they could garnish my income in writing and she refused to give that justification to me in writing and stated that the agency does not own the debt so they could not give that to me in writing. She also advised that the agency would not report to AAFES on any payment I made to the collection agency ( this greatly concerned me and I expressed this concern considering that I am attempting to obtain a mortgage loan and I would not be able to show that I am paying on the debt ). Ms . XXXX and another agent from XXXX Transitioning that I spoke with after I called AAFES back to resolve the issue insisted that they had the right to garnish income because the debt was due in full and if I did not pay it in full, even with a payment arrangement - they would offset the debt and take any future income from me to pay towards that debt. They also refused to put any payment arrangement agreement into writing even though I am terrified that they will clean out my entire bank account if I give them my bank information because I have nothing in writing that says that they will only pull out a XXXX dollars a month. The second agent still insisted on making a payment arrangement with me and when I refused she said she had to warn me about this refusal and that it would refer to the proof of debt - the only document in writing they would send me but promised to put any amount paid on the account on a receipt but nothing else would be put into writing on the debt. She also promised to report to AAFES and the credit agencies if I made a payment arrangement, even though the other agents refused to do as such ; but like the other agents, she refused to put this promise into a written agreement unless I first made a payment. To make matters worse, she said that my account was no longer inhouse and that they were an outside collection agency even after denying they own the debt and could not report to the credit agencies on my behalf. I feel frightened, helpless, and trapped. I can not pay the debt in full but I can not afford for AAFES or for XXXX XXXX XXXX to take all of my money out of bank accounts or offset any income that comes in to my account. I am trying to get my finances straight and my debts settled but I feel my only resolution is bankruptcy because I will live in fear of the these agencies taking my money from me. I can not even set up a payment arrangement on the debt because they have told me that it would not stop the offset of the debt and I have no way of building credit to obtain additional resources to help pay off the debt later because they are not clear and refuse to put into writing if they will or will not report to AAFES and the credit reporting agencies that I am making timely payments on the debt. This is my last and desperate step to settle this debt in a fair and legal manner without living in fear that any arrangement I make to pay on this debt will result in clearing out my bank account -- or the garnishment of any wages. They refuse to justify other than stating US codes and not any that would cover this issue and by stating page 303 on my loan agreement with AAFES of which I do not have a copy -- that they could garnish income from me. Can you please help me with this issue and let me know my rights? How is it they are able to take my money without even letting me know in writing how much they will take at a time until they collect the entire debt or considering that I have basic living bills that have to be paid so that I am not homeless or without food and utilities? How is it they can refuse to report positive activity on a credit report when a payment arrangement is made to pay on the debt even as they report negative information on a credit report while each agency not being clear which one is reporting to the credit reporting agencies and what I can do for other than paying the bill in full of which I can not financially afford to pay in full? How is it they are able to take money from a payment arrangement and still garnish my income even while refusing to put into writing that they will only take a XXXX dollars a month from my bank account each month? They will not refuse a payment arrangement but they refuse to put into writing how much they will take a month and that if I give them my account information that they will not take more than the XXXX. This is because again, they insist they can take my money without a court order. As such, I would not be making a real payment arrangement. I would merely be providing them with my bank account information to do with my money in my accounts as they wish with no repercussions against them because I have nothing in writing to protect me. Please, please, help me on this issue. It is causing a great deal of anxiety and stress.
11/23/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 283XX	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and XXXX XXXX XXXX XXXX, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within XXXX days and proper notification shall be given to all data furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( XXXX ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of XXXX ( XXXX ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the XXXX XXXX : XXXX. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section XXXX ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( XXXX XXXX XXXX XXXX ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act XXXX XXXX ( XXXX XXXX XXXX ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. Military Star & {$1700.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act XXXX, Section XXXX ( XXXX ) Block of information resulting from identity theft. XXXX.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items XXXX Notice to Furnishers XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/02/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07601	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. MILITARY STAR & BALANCE {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX
12/27/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	LA 712XX	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. MILITARYSTAR bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
07/28/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 11203	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. MILITARYSTAR bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
01/19/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 13905	Web	Servicemember
MILITARY STAR CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT VIOLATIONS/AUTHORITY : The Privacy Act of 1974, 15 USC 1681 Fair Credit Reporting ACT ; 15 USC 1681a ( 2 ) ( A ) ( i ) ; 15 USC 1681b ( 2 ) ; PL 90 ( 82 Stat 146 ) 15 USC 1681c ; 12 CFR 1022.3 ; 15 USC 1681e ; 15 USC 1681n ; 15 USC 1681o ; 15 USC 1681s-2 ; 12 CFR 1016.1 ; 12 CFR 1016.4 ; 12 CFR 1016.7 ; 15 USC 6802 ; 15 USC 6805 ; This is a complaint about MILITARY STAR violating my privacy rights by reporting my private transactions, to include derogatory items to third parties including but not limited to Credit Reporting Agencies : XXXX XXXX XXXX ) XXXX XXXX ( XXXX ) and XXXX ( XXXX ) XXXX Please see to Attachments A, B, and C as the violations to my privacy and derogatory reporting are referenced in this complaint are marked in the side-by-side Consumer Report and are color coded with highlighter orange and yellow. A. Items marked in ORANGE color in the three attachments ( A, B, C ) pertain to my established relationship with MILITARY STAR and its violations to my right to privacy by reporting private transaction history to third parties without my explicit and express agreement or authorization. MILITARY STAR violations of the Fair Credit Reporting Act, Federal Law, and The Privacy Act of 1974 and all laws stated below as follows : a. The Privacy Act of 1974which states ( b ) Conditions of disclosure that no agency shall disclose any record which is contained in a system of consumer transactions without written request or with prior written consent of the consumer b. MILITARY STAR provided nonpublic information to third parties without giving proper notice complying with section 6803 of this law. Furthermore, MILITARY STAR disclosed my nonpublic information to third parties without clearly and conspicuously disclosing in writing to me so I can have an opportunity to opt out as prescribed in 15 U.S. Code 6802 ( a ) ( b ) and 15 U.S. Code 6803 ( a ), ( b ), ( c ) ; Furthermore, MILITARY STAR did not provide notice to me about its privacy policies and practices regarding nonpublic information to third parties as prescribed in 12 CFR 1016.1, 12 CFR 1016.4 ; 12 CFR 1016.7 c. MILITARY STAR has violated all privacy laws that pertain to prohibitions of reporting nonpublic information such as transaction history between me and MILITARY STAR to third parties as stated in 15 USC 1681a ( 2 ) ( A ) ( i ) which states that consumer report explicitly excludes report containing information solely as to transactions or experiences between the consumer and the person making the report ) d. Chargeoffs reported to third parties. Chargeoffs are written off by creditor and a 1099C given to consumer when an account has been charged off to profit loss statement. That amount written off then becomes income to the consumer and must be reported as such to the IRS. Income can not be reported to a Consumer Report. B. Following is a list of MILITARY STAR Violations of the laws stated above as shown in Attachements A, B, and C will show violations specifically reporting of private transaction history to third parties as derogatory information prohibited under for violations of my right to privacy under 15 USC 1681a ( 2 ) ( A ) ( i ) and must be corrected as current and/ or pay as agreed. Please see Attachments for Violations as shown in the side-by-side Consumer report by XXXX, XXXX, XXXX. Violations of this Law ( XXXX ) specified above is in ORANGE ATTACHEMENT XXXX MILITARY STAR -- -- REVOLVING Account Status : XXXX : Derogatory XXXX : Derogatory XXXX : Derogatory High Credit Limit : XXXX : {$6200.00} XXXX : {$6200.00} XXXX : {$0.00} Past Due : XXXX : {$5100.00} XXXX : {$5000.00} XXXX : {$5100.00} Payment Status : XXXX : Coll/CO XXXX XXXX Coll/CO XXXX XXXX Coll/CO Comments XXXX XXXX XXXX Derogatory XXXX : Derogatory XXXX : Derogatory Two-year History : XXXX : NONE XXXX : XXXX Derogatory XXXX : NONE XXXX MILITARY STAR is furnishing information with actual knowledge of errors as prohibited under has 15 USC 1681s-2. Below Attachments A, B, and C show errors of inaccuracy and incompleteness that MILITARY STAR is reporting to Consumer Reporting Agencies and must be corrected. All entries must be equal across all CRAs ATTACHMENT C -- MILITARY STAR REVOLVING Acc # : XXXX : NONE XXXX : NONE XXXX : Inaccurate Acc Detail : XXXX : None XXXX : None XXXX : Incomplete Bureau Code : XXXX : Inaccurate XXXX : Inaccurate XXXX : Inaccurate Montly Payment XXXX : Inaccurate XXXX : Inaccurate XXXX : Inaccurate Date Opened : XXXX : Inaacurate XXXX : Inaccurate XXXX : Inaccurate Balance : XXXX : Inaacurate XXXX : Inaccurate XXXX : Inaccurate Credit Limit : XXXX : Inaccurate XXXX : Inaccurate XXXX : Inaccurate Last Reported : XXXX : Inaccurate XXXX : Inaccurate XXXX : Inaccurate Date last Active : XXXX : Inaccurate XXXX : Inaccurate XXXX : Inaccurate Date last Payment XXXX : Inaccurate XXXX : Inaccurate XXXX : Inaccurate XXXX. Military Star has threatened with garnishing wages directly from Veterans Affairs Pension XXXX Furnishers and Credit Reporting Agencies : Update Personal Information. Only the Information below needs to show on Consumer Report from all Consumer Reporting Agencies. NO OTHER INFORMATION NEEDS TO APPEAR. Name : XXXX XXXX XXXX Known as : Nothing Former : Nothing ( all former names must be deleted ) Date of Birth : XXXX Current Address : XXXX XXXX XXXX ; XXXX, New York XXXX Previous Address : Nothing ( all previous addresses must be deleted ) Employer : XXXX XXXX Phone Number : XXXX ( all other numbers must be deleted )
10/10/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	AP XXXXX	Web
My account had been wrongly defaulted by aafes collection department. I'd spoken with aafes collection department representative on end of XXXX after I'd received letter from aafes on my XXXX XXXX XXXX payment status. This whole situation occurred due to me moving to new duty location from an XXXX XXXX base to an XXXX base. The auto payment I thought I'd setup failed to work, and mails did not get forwarded to my new mail box properly. Duration of my membership lasted for about 10 years with aafes. I had a extremely great credit history, barring an isolated error or short series of late payments before this incident with few loans I had with XXXX XXXX XXXX XXXX for 20 years and XXXX XXXX. After I'd spoken with aafes collection department representative, I'd submitted my 1st signed copy of notice of intention letter on XX/XX/XXXX XXXX time which was XX/XX/XXXX Central time to XXXX '. I'd followed the guidance given by aafes representative whom I'd spoken with over the phone at that time. The representative kindly told me to put name, account number, and signed copy of notice of intention letter in subject line. The suspense date written on the letter which I'd received was XXXX of XXXX. After I'd submitted my signed Voluntary Payment Program ( VPP ) to aafes, I'd spoken with representative at aafes collection department multiple times to follow up on the status, but each time I was told by representatives to wait and give collection department little more time since it would require some time for aafes collections department to process the signed copy of notice of intention letter ( VPP ). I was also advised to send it again to be on the safe side. So I'd followed the guidance and re-submitted my signed copy of VPP to XXXX ' on XXXX XXXX, XX/XX/2018 XXXX XXXX which was XXXX XXXX, XX/XX/2018 Central Time for the 2nd time. Then I'd submitted another signed copy of VPP to XXXX ' on XXXX XXXX, XX/XX/2018 XXXX Time which was XXXX XXXX, XX/XX/2018 Central Time for the 3rd time after I'd received another copy of VPP notice from after I'd spoken with another aafes collection department representative over the phone. Since I'd spoken with representative from aafes collections department on end of XXXX, I'd made 4 payments each month starting early XXXX. I'd called aafes collection department on XXXX XXXX to take care of the current balance and found out that my account had been defaulted. The phone call was transferred over to ( XXXX XXXX XXXX ( XXXX, third party collection agency ). The representative at XXXX had informed that this had been reported to treasury department and lien was placed on my SSN. Since I'd submitted my signed copy of notice of intention letter on time and had been making payments, my account shouldn't have been defaulted. At that time I'd became terrified by the situation and had made a request to pay amount of {$7400.00} to take care of the remaining balance. The representative at XXXX explained to me that {$6200.00} was balance which was transferred from aafes and {$1100.00} was collection or default fee. XXXX representative also notified me that my account had been defaulted on XXXX XX/XX/2018 by aafes collection department. My account shouldn't have been defaulted since I had been responsibly taking care of the situation after realizing what had happened. Also, I had been wrongly over charged by aafes. Please refer to the amount listed below. Account Balance as of XX/XX/XXXX - {$9100.00} ( notified by AAFES ) {$240.00} paid on XX/XX/XXXX {$240.00} paid on XX/XX/XXXX {$240.00} paid on XX/XX/XXXX {$240.00} paid on XX/XX/XXXX - transaction was made by auto payment which was setup on XXXX {$2400.00} pulled from tax refund on mid XXXX ( XXXX XXXX XXXX ( XXXX, third party collection agency ). representative informed me that {$15.00} was charged as processing fee ) {$7400.00} paid on XX/XX/XXXX Total amount paid to clear balance {$10000.00} {$1100.00} Amount informed as collection fee by a XXXX representative over the phone. {$10000.00} - {$1100.00} = {$9700.00} ( despite the collection fee which had occurred due to an error ) {$600.00} - invalid amount wrongly over charged barring a wrongly charged collection fee I understand that mistakes may occur. We all do as human being, but we can always go back and fix the wrong. However, when I'd contacted aafes collections department to fix the wrong, their managers had angrily responded to my inquiry with coercive and oppressive manner. First manager at aafes collection department whom I'd spoken with had told me they never had received my signed VPP. After I'd told her that I'd submitted my signed VPP 3 times and I have those emails as document of records, she'd told me that I probably had not dated those documents. I'd asked her to check their inbox or with department that takes care of the email, but she'd angrily refused to do so. The second manager at aafes collection department whom I'd spoken with had told me that they just don't process anything they'd received via email. I'd told her that I'd just followed the guidance given by representative at aafes collection department whom I'd spoken with, but she didn't want to listen nor talk to me about the situation. Would you please kindly review this matter and help?
08/12/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 94605	Web	Servicemember
Back in XX/XX/XXXX, I lost my employment with the federal government due to medical XXXX from service connected injuries that rendered me unfit for my employment. In XX/XX/XXXX, I was falling behind on payments and was unable to pay my Military Star Card ( AAFES Exchange Credit Card ) and my debt that was starting to become due was sent to XXXX XXXX XXXX for the debt collection, for the AAFES Exchange. Upon initial contact, I was informed of my balance that was owed to AAFES was XXXX $ and that was at the time of closing the entire account and all interest was to be stopped due to my hardship paperwork that had been submitted. I was informed that the balance due on the account was XXXX $ and that I owed that balance to the debt collection agency because they were sent my account to collect the debt and that they were billing me 36 % of the owed balance on top of the balance owed for their services and I immediately refused and contacted the military exchange and tried to contact the XXXX XXXX XXXX and find out who I needed to speak to to obtain any and all information I could for this, because I was still getting XXXX statements from both the AAFES and from XXXX XXXX XXXX and I told them several times that they are inaccurate on the balance owed. I also filed a dispute with the credit bureau and also tried to find alternative means to dispute the debt with National Debt Relief and with Accredited Debt solutions and also with XXXX XXXX and all have not been able to help me fight this ridiculous concept of XXXX XXXX XXXX continuously billing me monthly on the interest on the account when the account has been closed. Since the originating dispute of the debt, back in XXXX, they have still continued to send me billing statements with the increased amount and accrued interest on the account when AAFES has told me time and time again that the amount is what they have and its completely different from the amount that XXXX XXXX XXXX is reporting to me monthly. In addition to all this, my hardship that they were sent was never filed and they told me that they lost it. In addition to that, they told me that they denied my hardship when I clearly was in a hardship when I submitted my income showing that I was on Government SNAP and I was on unemployment and XXXX and that I was unable to work, all before XXXX came in XXXX when I was still unable to make payments and I still have refused to make any payments and that was until I was able to speak to a lawyer or representation before they could go to garnishing my wages or any income that I was to receive from the government. Only within the last year, I was supposed to receive a payment from the Depart of Commerce, l totaling XXXX $ did I get a notification that this payment was diverted and paid to XXXX XXXX XXXX without my knowledge nor authorization from the Dept of Commerce, they sent the money to XXXX systems under the Treasury Offset Program that was told to be the debt collection agency for the debt. Due to the fact that it had been over 2 years and they had not collected the debt, the TOP program attempted to take back the debt from XXXX XXXX and they refused to relinquish the account to the TOP program and withheld all information from them and is still trying to service the debt, but with the use of the TOP program garnishment of wages. As of XXXX XXXX XX/XX/XXXX, and again in XXXX XXXX XX/XX/XXXX, I was employed with the US Census Bureau . During this entire period, no garnishments happened and no attempt to collect the debt was conducted nor requested. Only recently, on XX/XX/XXXX, XXXX garnishments were taken and paid to XXXX XXXX without any notification and that was in the amount of XXXX, XXXX for a check amount of XXXX $ and another for XXXX XXXX And now that I am employed again with the Census Bureau, I have had another garnishment of my pay in the amount of XXXX $ taken without any notification until same day it was not even deposited to my account. It was apart of my first paycheck, now this is the worst part, I have been notified that my entire paycheck has not arrived and that it was completely garnished in wages from XXXX XXXX XXXX and they refuse to correct the error from all XXXX garnishments and soon to be my fourth, when they are now telling me that my balance with them is XXXX $ and that I have to pay that in full for me to stop all accruing interest on the account and that if I dont, then they will continue to add more interest to the balance. I am due a paycheck from the US Census Bureau, this past week. And still no sign of my paycheck to my bank. I have contact XXXX agencies who feed me inaccurate information and push me on to the next colony to find resolution. And they are planning to take my entire wages and have not contacted me once to inform me of their decision and lied to me over the phone with referencing that I still owe this debt and I need to resolve it. This is where they are wrong and should be taken to court for violating several labor union laws that protects anyone with medical condition and other XXXX and try to embezzle money from me. I want to report that they are conducting illegal activity.
10/27/2022	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CO 81501	Web	Servicemember
I submitted paperwork for the Exchange Credit Card program, on the afternoon of XX/XX/XXXX the fraud supervisor XXXX called me to gather more information. I explained to her I did not have the card nor even used the email address which was on file with the company. She was supposed to change the email, but later on, I found out they sent the final results of their investigations to the old email which I do not even use. Luckily I called them and they sent them over again. Their findings were that a temporary card was present at the time, if I had used this card I would not have needed a temporary card as it was mine. Second current charges reflect prior spending pattern and location. Of course, the same pattern and location were used as whoever had my card using the exact same location. Then apparently they also used it at XXXX XXXX during these times the card was being used I was over XXXX miles away from where they were used. I explained this to XXXX as well and she apparently didn't even take any of this into consideration. Also, in the attached receipts they sent to me there are two completely different signatures, even different from the signature which I provided to them. So in less than 24 hours they had made a decision and did not even investigate anything more from the information I have provided them. Nor even compared the signatures with the signatures I provided them as there is a big discrepancy and noticeably different in all three, even the two which were provided on my card were different from each other. Hello XXXX XXXX, Thank you for contacting the Exchange Credit Program. In reference to your inquiry about the fraudulent activity on your MILITARY STAR account, please contact XXXX. Please provide them with your XXXX #, current address and account number. Our fraud department will review the account, open a case, and provide the results of their investigation. All requests are worked in the order received. Thank you for your service and the opportunity to address your concerns. Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX I have reached out to the company again and they advised me that they are legit purchases. I do not understand why as there are two different signatures and they mentioned the first purchase was with a temporary card. Why would I need a temporary card if I already have my XXXX XXXX? The companies responses do not add up nor make any sense as a valid purchase. Also they mention that they are over certain days old and they are valid even though I have tried to discuss this with them numerous times. First, off I am living in Colorado and over 9 hours away from XXXX XXXX, and 5 hours away from XXXX XXXX. I do not have easy access to those bases. The company has not done a valid search into the fraudulent purchases and does not taking into account why someone who has a star card would need a temporary card and then have a card reissued to them. Makes zero sense, along with the first purchases are of gift cards, and the rest of the fraudulent purchases are of gift cards, so of course, it is a trend in regards to these purchase history. This company is trying to stick me with over XXXX to pay in fraudulent purchases instead of actually looking into the matter. The receipts again as I mentioned have two very different signatures on them and can be easily identified as not the same signature. The company said to resend my claim which I did then within 5 hours they sent me a letter stating that everything was valid. How could they even look into an investigation that fast? They also ignored the two completely different signatures on the receipts they sent to me how can they be valid purchases with two different signatures from my own? They said they would look into it again, but only spent less than 5 hours on the whole investigation. Even when there are two different signatures and a temporary card was used. Why would I need a temporary card when I have the XXXX XXXX? I received a letter from XXXX XXXX, which mentioned to email and request a supervisor, which I did. It has been almost two months since I sent that email, and the company responded with a letter stating they are going to withhold my taxes and requested a voluntary payment plan. Not sure why when there are two different signatures on these fraudulent purchases. My credit score is being messed up because this company will not remove the fraudulent charges and do what is right, instead, they keep pushing the time limit so that they can say that the time limit has been too long since the complaint and they do not have to do anything. And they keep justifying the two different signatures as valid purchases. These are not even close to my signature, nor do I even have the XXXX XXXX. Do not think this is fair a big company can push a small individual around and make them pay for purchases they did not even make. Now they are not even found in the complaint section .... Very fishy and interesting
11/13/2018	Yes	Credit card or prepaid card Store credit card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	WA 98498	Web	Servicemember
Hi guys, Okay here 's the deal. I have been fighting to get a settlement offer ( for my Military Star Credit Card ) worked through with The Army and Airforce Exchange ( AAFES ) for over a year. Here 's the chronology and extenuating circumstance details : This credit card debt was charged up by my ex-wife, while I was XXXX during our marriage, from XXXX to XXXX. I took on the debt in our divorce in XXXX, because she was unable to afford it and because she's the primary caretaker of our children. Therefore, I did not want to put her in a hardship Even though I am responsible for this debt, by proxy, I was hoping ( since I did not myself charge it up ) to be able to settle it. So, in XXXX of XXXX, I called AAFES customer support, and I was told ( by the customer service rep that I spoke to on the phone ) that AAFES would not accept settlement offers unless my account was in collections At the time my payments were set to a flat {$99.00} per month, and on the advice of the service rep, I stopped making payments after XXXX. The rep also told me that it would take until XXXX for my account to go into collections. In XXXX it did go into collections. At that time, I called to try and arrange a settlement offer and was told that no settlement offers were accepted during tax season and I would need to wait until XXXX From XXXX to XXXX I wrote many letters, emails, spoke to many people and tried to determine if there was some way to fix the predicament that AAFES customer service staff had put me into. I kept getting conflicting information and no one seemed to be willing to help me. In fact, most of the emails that the phone staff directed me to send, never received replies and the decisions that AAFES made based on my emails, were never communicated to me, until I called to get a status report After XXXX, when I tried get back in contact with both AAFES, and the collection agency that they sent me to, XXXX XXXX XXXX ( XXXX ) I was told that my account needs to be delinquent for 27 months before AAFES what entertain a settlement. XXXX always blamed the lack of willingness to settle, and all of the restrictions/criteria or settling on AAFES, however, when I would call AAFES directly, I was told, contradictory information, but that XXXX had control now and AAFES would not deal with me. On 1 occasion, an AAFES phone rep told me that XXXX didn't want me to settle because it would mean less money for them On XXXX of XXXX, my balance was {$7400.00}. At the time of collections it had risen to {$8200.00}. Because of all of the interest and my inability to afford the adjusted {$220.00} a month payment, ( realized after collections had been entered into ), the latest balance owed that I am aware of, was {$10000.00}. Over {$3000.00} in interest, all because I was improperly handled by your customer service. I also get conflicting amounts owed when speaking to XXXX phone reps, vs the letters I get in the mail Had this been a debt that I charged up myself, I would not even be asking for a settlement. However, I am doing my best to work with these companies & I am not getting anything but misinformation in return. I've even gone so far as to send a check for {$6000.00} to XXXX offering to settle, only to have the check returned I am trying to be responsible and settle this thing to the best of my ability. But I feel like both AAFES & XXXX just want to rake me over the coals, and squeeze me for every cent they can. After 15 years of honorable military service, I feel very mistreated by a company that is supposed to support our Army & Airforce Additionally, I am in a legal battle with my ex-wife over our children, and that is not only expensive, but also it is affecting my ability to work, in my commission/performance based career field. So my money is not flowing heavily right now. I would really appreciate these companies coming to the table and helping me work this out so that we can both benefit as much as possible without trying to XXXX over the other guy. At this point, I still have {$6000.00} that I can hand them right now, to settle this. And settlement offers go I think that's fair, because that's what I was offering back in XXXX of XXXX, which was only roughly {$1500.00} less than the total balance. I do not believe it is fair to try and get me to pay this {$3000.00} plus worth of misrepresented Interest I understand that both AAFES & XXXX are businesses with interests, and I am not trying to Discount any of that. At this point, I just want them to deal with this with me, like human beings I sent them this information in an email, on XXXX XX/XX/XXXX. Again, I got no reply, but when I called, I was told again that they simply declined my request. I'm really hoping the ATG can help me. No credit settling agencies that I have called have been any help either. Thank you so much for your time & consideration. I look forward to your reply XXXX XXXX XXXX Former XXXX U.S. Army
09/30/2020	No	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	GA 30052	Web	Older American, Servicemember
I do not have the dates as this was some years ago, but will try. That information can be obtained. AAFES/MILITARY STAR Account NumberXXXX Account TypeCharge Card ResponsibilityIndividual Date OpenedXXXX StatusPaid, Closed. {$2600.00} written off. Status UpdatedXX/XX/2017 Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Credit Limit {$6100.00} Highest Balance {$4100.00} TermsNA. ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ... I bought items from the AFFEES store at the XXXX XXXX base in XXXX, XXXX. I asked because I am 100 percent XXXX that workers come and assemble my bed. They did so and broke it, along with stress cracks and damaged it. I also received a BBQ grill that was dented. I called an attorney to ask advice. He said, send them a letter, asking to repair or replace the items. The Store Manager refused to help me or replace items. As a result a demand letter was sent that I would stop payment in 30, days IF they refused to mediate. They refused. Military Star representatives then demanded I pay or else they would garnish money from me, which they did. They took an average of XXXX, a month from my Social Security Insurance without going to court and getting a judgement I was threatened, in a nice way that if I did not pay, my credit would be ruined. I stated that they needed to take me to court and get an judgement, which they and I knew, would have brought up concerns of Fraud, fraud in the inducement that precluded the contract was void by their actions. Knowing this they chose to act like Rico, to put my under duress and force me to make payments, ignoring my rights in this country to be heard in a court room. Consumers I was told by the State Attorney Consumer protection lawyer in XXXX XXXX, Nv. Said to me, there is just to much wide spread cronyism in the country. This came up while I was there and frustrated, so I reached out to that office about this matter. In concert the 3, credit agencies, XXXX, XXXX, XXXX are complicit, in that they ignore the rights of the consumer. Many times I have disputed this saying, No Judge issued to me any notice or obligation to pay on this debt. I was never contacted to go to court to defend my position. Therefore, they have violated the Fair Trade credit Act, as well. In another matter, I did go to court and was told to pay the person that I was challenging. I did, and for over a year or more even after paying off that debit., it was reported as derogatory. This is what XXXX does, IE : Rico act and duress. In addition, my debt to Military 's Star is now past 7, years. Federal laws state that debt should fall off my credit reports automatically. I will not be forced to pay someone when they have legally broken the contract and the law tells me to do, ( Exactly ) as I did, I followed a good attorneys ' advice and do not believe these people who wanted me to pay for broken or damaged goods have any leg to stand on. I reached out to the Treasury Office Inspector General. XXXX XXXX Representative, stated treasury put a lien on my social security insurance benefits. Treasury offset program collections must be resolved with the entity or agency that holds the debt. It would appear that you have already contacted Military Star Card and have filed a complaint with the CFPB. I hope that they will help you resolve this matter. Office of Counsel, Us department of the Treasury, and the office of the Inspector General. I spoke to them on the phone today they agreed creditors can not garnish federal benefits. Monies were removed from my SSI benefits which are protected by the federal law. XXXX representative talk over disceral diatribe denial knowledge that benefits can not be garnished stating US Treasury is removing the money which US Treasury says as denoted in the first paragraph collection must be resolved with the entity or agency which is XXXX collections that holds the debt. Treasury agrees they have no authority to take my money. XXXX defends bad paper rules written by Military Star Card they may garnish wages. I contest that may only apply to active service members not XXXX veterans the federal law protects or exempts certain funds or benefits from garnishment. Several years ago, XXXX representative applied that they would destroy my credit or hurt my credit if I did not let them take money from my XXXX again violation of federal law and fair-trade credit act, failed to obtain judgment before reporting myself as owing the debt. Refusal to accept letter written by attorney of myself under the rules and the laws of the fair credit trade act of 1970. Attempted to place me under duress to require or force me to make payment. Please see US to Repay Veteran 's in Debt Case, XXXX XXXX XXXX, by XXXX XXXX XXXX.
12/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78245	Web	Servicemember
XXXX, XXXXXXXX XXXX or FICO are not updating information properly on my profile. And it is causing a severe financial hardship. XXXX XXXX XXXX has been paid off since XXXX and it stills shows I have a balance XXXX XXXX XXXX keeps renewing a collection that was never proven to mine but has been indeed identified as identity fraud and is still able to report information on my credit report as if its a current collection when it was a collection that was removed and bought by another collection company dated back in XXXX. They stated I lived in a false address that I've never lived in..however that address is a location of base but not the physical address of my location and many military members have been victims of this because the address is a address affiliated to the location of the base but is NOT an physical address of any member located or stationed at that base as that base has individual addresses within the base. this company has harassed me with the name of XXXX XXXX and wrong numbers and tried to have me verify information to try to prove their case more accurately to collect money from me that i do not owe. They've been doing searches to try to solid their information because their information in the beginning was inaccurate. And every time they have been disputed they disappear and reappear again and they reappear on my credit report as its a new establish collection but in truth it's a collection that was removed almost 3 years ago which is playing a heavy part of defeating my credit score. XXXX XXXX XXXX XXXX/XXXX XXXX XXXX This company is being reported as charged off on my credit report but that's in impossible because i have automatic payments coming out and the other card was paid. I've sent the credit bureaus copies of this and they still report it as a charged off account which is not accurate. One of the cards were closed base of the company 's policy not by member. member has automatic pay dating back from XX/XX/XXXX. This card was never late as it automatically paid. XXXX XXXX XXXX XXXX Was proven to be a false account against member but is still reported as accurate information. It was proven based off the time the member resided at the location. The member wasn't at the location 1 year and half after this report was sent out the account was reported in which the member was still living in location when information of XXXX orders and location of new address proved that member was in a whole different state during the billing time the company sent reporting and the company failed to provide accurate information connecting member to this account. Inaccuracy by the company and lack of accountability of the company who reported it. Member is not legal responsible for this account and this information should have been updated and removed off his credit report. XXXX XXXX account is being held as a late account when account is paid in full and proved it was never late from almost 8 years ago. XXXX XXXX reported 90 days vehicle payment late however member did call bank ahead of time that it would be a possibility that this may occur ahead of time and had provided to the bank that he was a military member deployed and was injured in the line of duty and was XXXX retired and could not make payments because of hospitalized because his of injuries during wartime of defending our country. He then paid in the same year his debts up. And this was because it took time for the military to execute retirement payment so that member could pay bills. This should be excused based on the contingencies of military member pause in pay because they don't get paid with the immediate release out of the military at the same time military member did take care of the issue immediately after as bank requested. Member has been up to date since then. XXXX XXXX XXXX same issue with vehicle payment above. 90 days vehicle payment late however member did call bank ahead of time that it would be a possibility that this may occur ahead of time and had provided to the bank that he was a military member deployed and was injured in the line of duty and was XXXX retired and could not make payments because of hospitalized because his of injuries during wartime of defending our country. He then paid in the same year his debts up. And this was because it took time for the military to execute retirement payment so that member could pay bills. This should be excused based on the contingencies of military member pause in pay because they don't get paid with the immediate release out of the military at the same time military member did take care of the issue immediately after as bank requested. Member has been up to date since then. XXXX
07/15/2020	No	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA XXXXX	Web	Servicemember
The XXXX Collection department through AAFEES initiated a social security payroll intercept years ago to pay an outstanding credit card debt that I owed. After several years I noticed that the full amount that was being taken out of my social security payment was not being fully applied to my outstanding debt with the Army Airforce Exchange Collections Department. I then sent emails to their collection department asking for an explaination. They indicated that they sent my debt to some other collection company knows as XXXX, XXXX also was not applying the full amount received and to charge the most amount of interest they would split the money they received as if they had received 2 payments staggered within the month as opposed to getting one payment as it is issued through the treasury department which I indicated was unethical and illegal. Upon notifying the XXXX collection department there representatives indicated they had taken over the account from XXXX again. However I asked for a full accounting of all monies received and payments that were applied to ensure they were accurately applying the money they received to the repayment of the outstanding debt for I suspected that fraud was occuring since even the XXXX collection agency were not applying the full amount of the money they received from the Treasury department {$180.00} each month, also there were discrepancies on their accounting statements some months they applied {$160.00}, other months it was {$170.00} there just didn't seem to be a consistent amount and yet the money they received was always the same. I sent via email requests to the collections department, and even the fraud unit and though I had an email tracking software that notifies me when an email has been opened they never responded, never provided me with a full accounting of money received and payments that were applied to my account. Several months ago I noticed that they were no longer intercepting my social security XXXXXXXX check and thought they decided in order to not be found to be committing fraud by false accounting of monies received, they decided to drop the issue all-together. However recently I have been receiving statements indicating that I have an outstanding debt from them and they are charging me monthly interest which I thought was slick because I'm certain after it gets to a certain amount they can again begin to re-intercept my social security payment without accounting for the money they've already received. I am convinced this collections department is committing fraud and unethical collection practices ( by charging fees in addition to interest ), not applying full amounts of money received to outstanding debt accounts. I have requested on 3 seperate occassions that they provide a full income disclosure statement to me all of which have been ignored with the exception of one occassion I received a partial statement which clearly showed inconsistencies and discrepancies within the statement. My account number is : XXXX my balance as of XXXX 's statement was : {$4900.00} My name is XXXX XXXX XXXX, address is XXXX. XXXX XXXX, XXXX, Ca XXXX. My phone number is : XXXX. The email I have sent requests for disclosure information to is : XXXX and their fraud department : XXXX all of which have gone unanswered with no response at all although I know from my email tracking software that they have opened my email 's on numerous occassions. I am asking that your organization investigate this issue. They have not applied all monies received from Social Security accurately in the repayment of this debt, they have illegally charged fee 's or not applied the full amount of money received and are unwilling to provide me with an accounting in order to hide their tracks and although they are no longer intercepting money from my social security XXXX payment they are still charging me monthly interest. I am contending that either the amount owed is inaccurate or that they mis-applied money received to manipulate interest rates charged so that the maximum amount they could assess was applied to this account unethically and inaccurately all of which constitutes FRAUD. Your assistance in this matter would be greatly appreciated. If they do not comply with my request for a full disclouse of all monies received, payments applied, interest charged etc I want this debt to be dissolved or I will seek legal counsel to investigate whether a lawsuit is in order. This collection department is as crooked as a {$3.00} bill.
02/06/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NC 285XX	Web	Servicemember
I opened a Military Star store credit card on XX/XX/XXXX and made my first purchase with said store card on XX/XX/XXXX of XXXX. There was a promotion going on with my purchase that stated there was a XXXX XXXX interests rate on my purchase for an entire year. I started making payments on my card in XX/XX/XXXX of XXXX and my payments were going through I even earned {$20.00} dollar reward cards for said payments. My issues with paying off my military star card started around the end of XXXX beginning of XXXX in XXXX, while I was still making XXXX time payments, I never received anything stating that the payments were not going through XX/XX/XXXX of XXXX I received an email from said account stating that my XXXX payments were revoked due to thee fact that my payments were being returned as unpaid by my bank. I called military star to ask them is there another way for me to pay my bill besides the XXXX payment method in which they told me I would have to go to an exchange location and continue to pay my balance off. I told the person on the phone that there was not an exchange location near me since I was residing in XXXX, Georgia and she told me that was the only option I had in regards to paying off my debt. Also around this time I lost my job on XX/XX/XXXX of XXXX due to XXXX and stated that in a XXXX letter that I emailed to the military star on XX/XX/XXXX of XXXX, they responded on XX/XX/XXXX of XXXX and agreed to remove said late payments from my credit report. On XX/XX/XXXX of XXXX I emailed the military star regarding the hold they placed on my account and also requested for the due date of my payments to be changed to the XXXX of each month due to the fact it would allow my bank to process said recurring payments to pay off said debt on my credit card with the military star, instead of them trying to work with me since I still did not have a stable job that was paying me they told me there was nothing they could do and my account would be sent into delinquency. I was unable to sign into my Military star account for my credit card after speaking with them through email and over the phone during the entire month of XXXXXXXX XXXX XXXX. I still did not have a job at this point and was still unsure what happened to my account, then on XX/XX/XXXX of XXXX I was in a XXXX accident which left me unable to work for months, but on XX/XX/XXXX of XXXX I decided to try and log back into account to see how much I owed them, again I had not used the card since XX/XX/XXXXXXXX XXXX XXXXXXXX so I was shocked to see that the military star was requesting a {$600.00} dollar payment from me along with the minimum {$320.00} that I was supposed to pay. I emailed them on XX/XX/XXXXXXXX XXXX XXXX and on XX/XX/XXXXXXXX XXXX XXXXXXXX they asked for my name, dod number, and mailing address to assist me further with my account, I emailed them the information and they never responded to me. On XXXX the XXXX of XXXX, while I was at home someone knocked on the door and delivered a package to me I was unsure of what it was and I opened it. It was paperwork for an XXXX hearing or an XXXX XXXX XXXX hearing where they stated I had until XXXX the XXXX of XXXX to send in information to request a hearing. I mailed said information to the address that was given to me on XX/XX/XXXX of XXXX, again I was still recovering from my car accident and still did not have a stable job. I sent in all the information requested and did not hear anything from XXXX XXXX or Military Star. On XX/XX/XXXX of XXXX I received an email with an attached letter for XXXX hearing I sent an email to XXXX on XX/XX/XXXX of XXXX again stating that the amount I owed was incorrect, they responded on XX/XX/XXXX of XXXX stating that my hearing would be rescheduled for XX/XX/XXXX of XXXX meaning that my hearing had already occurred without my knowledge. On XX/XX/XXXX of XXXX I received a PDF file on their decision where it was stated that I attempted to mail in payments to said account on XX/XX/XXXX for {$150.00} and XX/XX/XXXX for {$200.00} dollars. Again I never mailed in payments all the payments I made or attempted to make on this account were through XXXX payment and I stopped receiving statements from this account after XX/XX/XXXX of XXXX. I provided all evidence for my hearing only for them to have the hearing occur without me being there. I feel like this is a violation of my rights and I would like for this matter to be thoroughly investigated.
10/16/2023	Yes	Credit card Store credit card	Other features, terms, or problems Other problem	UT 840XX	Web	Servicemember
I am writing to provide further clarity regarding a prior complaint ( No. XXXX ) and to emphasize the ongoing issues I've experienced with the Army and Air Force Exchange Service ( AAFES ) Military Star Credit Card . These issues disproportionately affect veterans, touching upon various aspects of the card and its payment options, potentially violating key laws designed to protect military members. Discrimination Against Veterans : The AAFES Military Star Credit Card imposes restrictions on online payments, phone payments, and auto-pay for all members who have missed a payment. These restrictions remain in effect until a member has made six consecutive on-time payments. This restriction extends to all members, including veterans. However, this situation indirectly discriminates against veterans because in-store payment options are located on military installations, and access to these installations requires government certification, which many veterans do not possess. The process to obtain this certification for the sole purpose of making a payment is an unreasonable expectation and further discriminates veterans. Bill-Pay Delays and Unfair Responsibility : Due to the restrictions on online and phone payments, veterans are left with only two options, one of which is a feature called Bill-Pay utilizing XXXX XXXX XXXX XXXX XXXX XXXX XXXX . The concerning aspect of Bill-Pay is that it delays the subtraction of funds from the member 's account for up to three weeks after the initiation of payment. While AAFES Military Star Card backdates the payment to reflect when it was initiated, this still places an unfair responsibility on veterans, especially those facing financial struggles and living paycheck to paycheck. The delayed subtraction of funds from a member 's account can lead to NSF fees, resulting in more financial stress and even bounced payments. It is unreasonable to expect members to track a payment initiated three weeks prior. The delay in fund subtraction, especially when both AAFES and XXXX have the means to backdate payments, suggests that they are aware of the issue and the burden it places on members. Mail Payments as a Limited Option : The second payment option for veterans is mail, which, as the sole alternative means of payment, is subject to loss, delay, and even theft. This becomes even more problematic when there are only two payment options available for veterans, making it an unfair and illogical expectation for them. Violation of Laws : These restrictions on auto-pay, online payments, and phone payments, especially for XXXX service members with late payments, potentially violate several laws, including the Servicemembers Civil Relief Act ( SCRA ), Uniformed Services Employment and Reemployment Rights Act ( USERRA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Reporting Act ( FCRA ). Continued Lack of Adequate Response : In my prior complaint ( XXXX XXXX. XXXX ), I outlined three key proposals for resolution, which I believe remain unchanged and fair : All veterans and members should have unrestricted access to make online payments and utilize auto-pay features, regardless of previous late payments. The negative remarks on my credit report should be reversed, with similar consideration extended to other veterans or XXXX service members facing comparable issues. In light of the treatment I have received from lending agencies and landlords due to the negative marks on my credit report before any potential reversal, I am requesting {$25000.00} as compensation for the hardships endured. I want to emphasize the urgency and importance of addressing these issues. Veterans should not face undue challenges when making payments or experience discrimination due to their military service status. I kindly request your intervention to thoroughly investigate this matter and guide AAFES to take necessary steps to address these concerns, ensuring compliance with laws meant to protect military members and providing an equitable experience for all cardholders. Additionally, I would like to highlight the lack of adequate response to my previous complaint, both through the old case number and my emails. Despite providing clear details, my concerns remain unaddressed, and my proposals for resolution remain unacknowledged. I appreciate your attention to this matter and look forward to a prompt and just resolution to these ongoing issues.
01/28/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NC 285XX	Web	Servicemember
I opened a Military Star store credit card on XX/XX/XXXX and made my first purchase with said store card on XX/XX/XXXX of XXXX. There was a promotion going on with my purchase that stated there was a zero ARP interests rate on my purchase for an entire year. I started making payments on my card in XX/XX/XXXX of XXXX and my payments were going through I even earned {$20.00} dollar reward cards for said payments. My issues with paying off my military star card started around the end of XXXX beginning of XXXX in XXXX, while I was still making one time payments, I never received anything stating that the payments were not going through XX/XX/XXXX of XXXX I received an email from said account stating that my ACH payments were revoked due to thee fact that my payments were being returned as unpaid by my bank. I called military star to ask them is there another way for me to pay my bill besides the ACH payment method in which they told me I would have to go to an exchange location and continue to pay my balance off. I told the person on the phone that there was not an exchange location near me since I was residing in XXXX, Georgia and she told me that was the only option I had in regards to paying off my debt. Also around this time I lost my job on XX/XX/XXXX of XXXX due to covid and stated that in a goodwill letter that I emailed to the military star on XX/XX/XXXX of XXXX, they responded on XX/XX/XXXX of XXXX and agreed to remove said late payments from my credit report. On XX/XX/XXXX of XXXX I emailed the military star regarding the hold they placed on my account and also requested for the due date of my payments to be changed to the XXXX of each month due to the fact it would allow my bank to process said recurring payments to pay off said debt on my credit card with the military star, instead of them trying to work with me since I still did not have a stable job that was paying me they told me there was nothing they could do and my account would be sent into delinquency. I was unable to sign into my Military star account for my credit card after speaking with them through email and over the phone during the entire month of XXXX of XXXX. I still did not have a job at this point and was still unsure what happened to my account, then on XX/XX/XXXX of XXXX I was in a car accident which left me unable to work for months, but on XX/XX/XXXX of XXXX I decided to try and log back into account to see how much I owed them, again I had not used the card since XX/XX/XXXX of XXXX so I was shocked to see that the military star was requesting a {$600.00} dollar payment from me along with the minimum {$320.00} that I was supposed to pay. I emailed them on XX/XX/XXXX of XXXX and on XX/XX/XXXX of XXXX they asked for my name, dod number, and mailing address to assist me further with my account, I emailed them the information and they never responded to me. On XXXX the XXXX of XXXX, while I was at home someone knocked on the door and delivered a package to me I was unsure of what it was and I opened it. It was paperwork for an XXXX hearing or an automatic Wage Garnishment hearing where they stated I had until XXXX the XXXX of XXXX to send in information to request a hearing. I mailed said information to the address that was given to me on XX/XX/XXXX of XXXX, again I was still recovering from my car accident and still did not have a stable job. I sent in all the information requested and did not hear anything from XXXX XXXX or Military Star. On XX/XX/XXXX of XXXX I received an email with an attached letter for XXXX hearing I sent an email to XXXX on XX/XX/XXXX of XXXX again stating that the amount I owed was incorrect, they responded on XX/XX/XXXX of XXXX stating that my hearing would be rescheduled for XX/XX/XXXX of XXXX meaning that my hearing had already occurred without my knowledge. On XX/XX/XXXX of XXXX I received a PDF file on their decision where it was stated that I attempted to mail in payments to said account on XX/XX/XXXX for {$150.00} and XX/XX/XXXX for {$200.00} dollars. Again I never mailed in payments all the payments I made or attempted to make on this account were through ACH payment and I stopped receiving statements from this account after XX/XX/XXXX of XXXX. I provided all evidence for my hearing only for them to have the hearing occur without me being there. I feel like this is a violation of my rights and I would like for this matter to be throughly investigated.
07/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	NV 89107	Web	Servicemember
Company ignored multiple issues and left them unresolved from my last complaint. I want a human to review my complaint and research my issues, not a computer. I am trying to avoid having to file a lawsuit over inaccurate information that violates my FCRA consumer rights. My issues are numbered here, because I expect XXXX to address each and every item on this list of issues. Not just pick and choose what it wants to address and ignore all the other fallacies. # 1. There are incorrect remarks on my XXXX XXXX revolving accounts ending in XXXX and XXXX, as well as my XXXX XXXX auto loan. All three of these accounts have the remarks 'account previously in dispute. ' That is a lie. I never disputed those accounts. # 2. Military Star is NOT correct, so long as only years with negative payment data are reporting. You are not allowed by law to only report negative payment history and not report the positive payment history. So I want my complete payment history reported from Military Star, or no payment history reported at all. I had that card for XXXX years, and you're only reporting the two years where there was negative information. That is wrong. That is a FCRA violation, and you are obligated by law to fix it. # 3. My First Savings Credit Card has none of my flawless payment history reported. # 4. One again, another instance of only reporting negative payment data and no positive payment data. I had years and years and years of flawless payment history with XXXX XXXX. Yet, you are only showing ONE payment late for 60 days and no positive payment data. You can not do that. That has a false negative impact on my credit score when calculating the ratio of my on time payments. You must report the entire payment history reflecting all positive payment data, or no payment history at all. You CAN NOT only report the negative payments and refuse to report the on time payments for an account.It is highly unethical to only report negative payment information in the absence of the positive information. XXXX, I had nothing but on time payments with them and none of them are showing up. If they don't have a reliable enough account of my payment history involving on time payments than they have no business reporting late payments if they are so unsure of my payment history. I want the positive payment history reported for these accounts, or to have all negative payments removed and no payment history reported at all. There are many accounts, such as my XXXX and XXXX installment accounts, that you are not reporting my flawless payment history. You have picked and chosen accounts that only have negative payment histories to report with the exception of my currently open accounts. That is unlawful, unethical, and you must stop doing that. # 5. The issue of deleting my entire credit file and having my score bounce from the XXXX, down to XXXX, up to the XXXX, back to the XXXX through absolutely no fault of my own causing me to do denied for housing needs to be addressed. How about an apology for what you put me through? How about taking some responsibility? How about letting me know what steps are being taken to ensure this never happens again? Lastly, why are you allowing companies like XXXX XXXX and MILITARY STAR CARD to be so spiteful and only report derogatory information on my accounts in complete absence of the years and years and years worth of flawless payment history I had with the both of them? Given that all of these companies have been notified that after this negative information occurred I was medically XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX veteran? If they were ethical they wouldn't be reporting adverse credit file information about me at all. But to take the extra, extremely, unethical and illegal step to ONLY report adverse credit file information in the complete absence of the years of faithful on time payment history is nothing short of alarming and violates my federal consumer rights. You're welcome for protecting and serving all of you. Thank you for showing me how much that means to you, as you sit in your comfy offices without the excruciating pain I live with each and every day. You're welcome. CFPB, do not forward this complaint outside your organization. This is exactly the kind of complaint you are in charge of, evidenced by the drop down boxes saying so, and I do not want my complaint forwarded to another agency.
03/14/2018	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	AR XXXXX	Web	Servicemember
On XX/XX/XXXX I bought {$970.00} with Military Star Credit Card from XXXX to send to street address in XXXX, Arkansas. I live alone in a 3 bedroom apartment. I am XXXX too. I asked the Military Star Card and the Exchange if they had any assembly in the room of choice programs. They had me contact XXXX in XXXX who had me contact XXXX XXXX in XXXX XXXX. On XX/XX/XXXX, the XXXX rep sold me the XXXX XXXX plan which said they will deliver to the room of choice and assemble my XXXX XXXX and call to arrange the delivery. I thought everything was taken care. of. I never owned a XXXX XXXX. I paid {$99.00}. XXXX XXXX 's assembly plan was {$240.00}. I'd shopped around XXXX and theirs was {$55.00} at XXXX XXXX in XXXX. I got a call from XXXX XXXX to assemble and deliver on XX/XX/XXXX. XXXX XXXX called to arrange the delivery at XXXX am and arrived after XXXX am with another XXXX XXXX man, they were bossy, claimed this was the easiest delivery all day, delivered the treadmill to the room of choice, would not take the treadmill out of the XXXX XXXX box, demanded I turn off my heater and turn my fan on. The drivers claimed to be recording me. I asked XXXX to take the treadmill out of the box and he did so reluctantly and only after I turned the room ceiling fan on. The two drivers ran to my kitchen table and I asked them to assemble the treadmill. They said they did not have to because it required tools. They only had 30 minutes and it was outside their insurance. They claimed to take photos of the hole in the treadmill shipping box. They called their boss. I called XXXX XXXX and XXXX began to scream at me that I was a liar, that he was recording me, and they had photos. I offered more money. Their manager alluded I was stupid and that it happens all the time. I felt obligated to apologize to his team of drivers. XXXX sat at my kitchen table while I called XXXX XXXX and my apartments owner to find out that even XXXX does not assemble their XXXX XXXX treadmills. On XX/XX/XXXX I did a fraud dispute through XXXX XXXX card and followed up per Monday XX/XX/XXXX and was denied. That day I did a dispute through escalations and customer service and was denied through the Shop My Exchange Escalations and XXXX XXXX as well as, his manager, XXXX, on Tuesday XX/XX/XXXX. I keep getting sent around. In the meantime, I am being billed {$99.00} for a Gold Delivery and was told by the XXXX to pay and call XXXX XXXX to redeliver. XXXX XXXX told me in order to have, XXXX, come back to pick up the XXXX XXXX box that I would have to put the box outside my apartment door. This manager is XXXX XXXX. I can not and will not. They are making the rules impossible. I want this done, to get my {$20.00} rewards from spending over XXXX points on my Military Star credit card, and to never do business with the XXXX or XXXX again. I was followed by my ex neighbor who worked at the XXXX on XXXX XXXX XXXX XXXX XXXX. That XXXX 's Employee 's had a privacy issue with every item I bought. In particular, my XXXX washer and Dryer. Which is why I buy things online. For privacy. Background information : I filed a criminal police report with the City of XXXX because I was followed tot he XXXX and XXXX XXXX XXXX by my ex neighbor from the XXXX and Base there XX/XX/XXXX crime report number XXXX. I already had a XXXX XXXX XXXX of Special Investigations Detachment XXXX XXXX XXXX Allegations Case from XX/XX/XXXX Number : XXXX when a female clerk and customer XXXX XXXX me while I was in their XXXX XXXX XXXX XXXX Base Commissary shopping as a customer and tenant. Now, I moved off XXXX XX/XX/XXXX. Currently, I do not feel I should have to pay for the {$99.00} since the drivers did not extend the XXXX XXXX plan and left me a bunch of boxes & debris and did not assemble the XXXX XXXX. They should have hurried it up. Instead the drivers sat around making small talk while I called XXXX and my owner of my apartment. Now, I am being forced to leave the two gigantic boxes outside or I will not get the full plan or the debris pick up. I am being threatened. I'm tired of it! I'm tired of their insinuations! This XXXX XXXX is only open 8-4. And, has not apologized or offered to pay a portion of the fee back. Or, even offered a reimbursement. I don't want to be an XXXX customer again. They really mislead me and took advantage of me and my XXXX. Now, they are talking about sending me to collections.
08/29/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CO 81501	Web	Servicemember
I submitted paperwork for the Exchange Credit Card program, on the afternoon of XX/XX/XXXX the fraud supervisor XXXX called me to gather more information. I explained to her I did not have the card nor even used the email address which was on file with the company. She was supposed to change the email, but later on, I found out they sent the final results of their investigations to the old email which I do not even use. Luckily I called them and they sent them over again. Their findings were that a temporary card was present at the time, if I had used this card I would not have needed a temporary card as it was mine. Second current charges reflect prior spending pattern and location. Of course, the same pattern and location were used as whoever had my card using the exact same location. Then apparently they also used it at XXXX XXXX during these times the card was being used I was over XXXX miles away from where they were used. I explained this to XXXX as well and she apparently didn't even take any of this into consideration. Also, in the attached receipts they sent to me there are XXXXwo completely different signatures, even different from the signature which I provided to them. So in less than 24 hours they had made a decision and did not even investigate anything more from the information I have provided them. Nor even compared the signatures with the signatures I provided them as there is a big discrepancy and noticeably different in all three, even the two which were provided on my card were different from each other. Hello XXXX XXXX, Thank you for contacting the Exchange Credit Program. In reference to your inquiry about the fraudulent activity on your MILITARY STAR account, please contact XXXX. Please provide them with your DOD #, current address and account number. Our fraud department will review the account, open a case, and provide the results of their investigation. All requests are worked in the order received. Thank you for your service and the opportunity to address your concerns. Sincerely, XXXX XXXX, Customer Response Technician Credit Program-Operations I have reached out to the company again and they advised me that they are legit purchases. I do not understand why as there are two different signatures and they mentioned the first purchase was with a temporary card. Why would I need a temporary card if I already have my Star Card? The companies responses do not add up nor make any sense as a valid purchase. Also they mention that they are over certain days old and they are valid even though I have tried to discuss this with them numerous times. First, off I am living in Colorado and over 9 hours away from XXXX XXXX, and 5 hours away from XXXX XXXX. I do not have easy access to those bases. The company has not done a valid search into the fraudulent purchases and does not taking into account why someone who has a star card would need a temporary card and then have a card reissued to them. Makes zero sense, along with the first purchases are of gift cards, and the rest of the fraudulent purchases are of gift cards, so of course, it is a trend in regards to these purchase history. This company is trying to stick me with over XXXX to pay in fraudulent purchases instead of actually looking into the matter. The receipts again as I mentioned have two very different signatures on them and can be easily identified as not the same signature. The company said to resend my claim which I did then within 5 hours they sent me a letter stating that everything was valid. How could they even look into an investigation that fast? They also ignored the two completely different signatures on the receipts they sent to me how can they be valid purchases with two different signatures from my own? They said they would look into it again, but only spent less than 5 hours on the whole investigation. Even when there are two different signatures and a temporary card was used. Why would I need a temporary card when I have the Star Card?
08/24/2016	Yes	Credit card	Billing disputes	VA 23834	Web
Dear Consumer Financial Protect ion Bureau. I have a debt with XXXX that was originally {$7800.00}. We made a payments on this debt for {$250.00} each month. At XXXX point due to hardship we got behind, XXXX informed us that we had to pay at-least {$640.00} for them to make any kind of payment agreement with us. We did not have over {$600.00} to pay. My husband told me not to worry, said that what would happen is XXXX since he was retired service member would take a payment each month of his check. Time went by and I got a letter from XXXX collection agency called XXXX. They stated that I owed them {$9000.00} I informed that that this was incorrect and that I only owed XXXX {$7800.00}, I told them that I disputed this amount and that it was incorrect. ( In addition I informed XXXX that the amount did not even include the payment that was made by XXXX garnishing our taxes. XXXX never told us they were going to garnish it, we just found out when we were waiting for the tax return for home repairs and to pay bills and the money never came ) So I informed XXXX ) XXXX that I disputed the now {$10000.00} debt amount and also asked for a settlement on the correct amount that I owed. An amount of time went by and I did not get any response to my dispute. But I then got a letter from XXXX stating that I now owed XXXX over {$10000.00}. That was there response to my dispute letter. I then called them and XXXX and went to many different rude encounters and debt shaming, I was told different things. XXXX told me that they did not have to sent me a response to my dispute letter and that I now owed {$10000.00} because while I was still waiting for an answer to the dispute letter, the interest was continued to be charged. They furthermore said that it was Aafes who was charging this interest and also the penalty fee of almost 26 % When I inquired about not getting any correspondence/ monthly statements, I was told by both XXXX and XXXX that they did not have to send me any statements. Even when I made payments they were not required to do so. Furthermore, that XXXX would not settle unless I had most of the amount to pay them back. Also that the interest would continued to be charged in addition to the penalty I was charged. After many rude agents I spoke to a XXXX supervisor who asked me if I could get a home loan to pay the debt, I shared with her all my hardship, loss of business, health problems, job lose, and special needs, and that I had not even been able to get a loan to pay for my brothers funeral. She said we can make you a hardship agreement and we made the agreement for me to pay {$130.00} each month. She then went on and said but for {$130.00} each month you understand you are only paying interest and you will never be able to pay XXXX of and all you will be paying for the rest of your live is interest. I asked her again if XXXX would make a settlement or lower the interest any thing and was told no. I am looking for employement that is conducive with my health and personal circumstances, and my estranged husband tried to pay the XXXX a couple of times but he is not able to make this payment all the times. In addition the {$130.00} payment is only paying on interest but I also got charged a penalty. and on the paperwork that I signed it stated that the penalty for not paying is either a one time large penalty fee or continued interest. It did not state that I would be charged both this large penalty fee of almost 26 % and interest would be continued indefinitely. Nor that XXXX is not required to send me any statements even when I pay them. I have no idea what I owe at this point, the fees and penalties keep adding up and XXXX do n't send me any statements, refuse to settle, or lower the interest. And I now got an email from an official XXXX representative threatening me that the collection agency can charge me up to 26 % interest per month! Is that even legaL
12/30/2016	No	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	MD 21144	Web	Servicemember
It appears that it is AAFES practice to make it difficult for consumers to make payments to their credit card account because it is easy for them to do a Treasury Offset even if the consumer the customer was not properly notified. I say this because my account was placed under AAFES Voluntary Payment Plan ( VPP ) program initially in XXXX because AAFES placed my account in collections after they increased my monthly payments without notification then locked me out of accessing my account because I was no longer in the Military. I got out the military in XXXX XXXX and had my account on auto-pay for AAFES to withdraw {$120.00} per month ( my minimum payment each month was about {$80.00} ). I later found out that my account was over 90 days past due because AAFES had increased my payments without notifying me to {$180.00} per month ; so although my direct payments of {$120.00} was received on time every month it was still in default because of a {$60.00} shortage. No notification was received from AAFES to inform me of my new monthly payment amount, nor did AAFES ever send me any notification that my account was past due. I found out of the delinquent account after trying to obtain credit and the creditor informed me that I had a past due account. Once I found out, I attempted to access my AAFES account online and realized that I no longer had access. I called AAFES and was told that since I was no longer in the Military my access was revoked. I explained to the representative that my access was limited after I got out the Military but I was given access to view my statements and pay on my account online. The representative told me that AAFES had revised that policy and so the only way I could access my account was by paper statements. I informed the representative that I had not received any paper statements and she told me that they would send XXXX out. I then asked how could I pay my account and I was told that the only way to correct it is to pay the full balance or settle through the Voluntary Payment Plan ( VPP ) program. This program required that I call every month to pay my bills. I complied with the rules of this program every month for the past 3.5 years. When I called to pay my bill in XXXX XXXX, AAFES notified me that they were making it easier for consumers to pay their debt so I could set up auto-pay which would relieve me of calling monthly. I requested to have my account set up on auto-payments thinking that AAFES had finally gotten better. Now I 'm finding out that this was a plight to defraud me and keep me in debt once again. I requested to have my account set up on auto-payments where payments of {$180.00} would be debited from my bank account on the XXXX of every month. My XXXX XXXX statement showed that the money was debited as requested on the XXXX XXXX and my next withdrawal was set up for XXXX XXXX. On XXXX XXXX after returning from a 10 day vacation out of State, I received a statement from AAFES which was postmarked XXXX XXXX, XXXX. That statement showed that my account was 30 days past due in the amount of {$180.00} ; a fee of {$25.00} was added for NSF and my XXXX XXXX payment was reversed. I immediately checked my bank statement to see what was going on and verified that there was more than enough money in my account for AAFES to electronically pull the {$180.00} payment which they reported as NSF and charged me a {$25.00} NSF fee. I immediately called AAFES to find out why they charged me a NSF fee and reversed my payment if there was more than enough funds in my account. The representative placed me on hold then came back to ask me what is my bank account number. I verified my account number with her and she told me that they had the wrong account number on file. I refuted that if the wrong account number was recorded on file, it was not my fault because I know I provided the correct account information. The representative XXXX
05/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued w/o proper notification of suit	MI 493XX	Web	Servicemember
I XXXX from XX/XX/XXXX - XX/XX/XXXX. 23 years ago, as a XXXX XXXX, I opened an account with the Army & Air Force Exchange Service ( AAFES ). After paying the balance in full in XXXX, I closed the account and made no additional purchases. I eventually left the XXXX in XXXX and subsequently took up residences in XXXX, XXXX, XXXX and now XXXX. I bought my current home in XXXX. When applying for this mortgage, my credit report had a clear record, without any delinquencies. On XXXX XXXX of this year, I received a certified letter from AAFES 's collection agency XXXX XXXX XXXX ( XXXX ) that provided notice of a wage garnishment to be applied due to outstanding debt to the federal government of more than {$2000.00}. I had no previous knowledge of these charges and began to investigate. After many phone calls, emails, letters and reviews of credit report information, I was able to ascertain that sometime in XXXX, AAFES allowed this 20-year closed/dormant account to be re-activated and permitted someone to charge over {$2000.00} using my temporary XXXX address from XXXX. The following timeline and facts apply : On XXXX XXXX XXXX, I received a certified letter from AAFES/XXXX XXXX XXXX ( XXXX ), that advised me of a Notice of Intent to initiate administrative wage garnishment proceedings. The action stemmed from an apparent AAFES debt. ( ATTACHED ) On XXXX XXXX XXXX, I called AAFES and collected as much information as they would tell me. From this call I learned the charges occurred in XXXX against an account that had been closed/dormant for 20 years. AAFES advised the issue was now being handled by their collection agency, XXXX. On this same day, I emailed a request to AAFES/TS requesting a fraud investigation into this matter. On XXXX XXXX XXXX, I received a letter from XXXX acknowledging my fraud allegation and requesting additional information from me to support my claim, to include a police report, XXXX forms of ID, XXXX copies of signatures, and affidavit of forgery. On XXXX XXXX XXXX, I received an email from XXXX indicating Proof of Debt was requested from AAFES. This XXXX email stated " The garnishment order will remain on hold to afford you time to review all documents provided. '' ( ATTACHED ) On XXXX XXXX XXXX, I received the AAFES Proof of Debt. This information was limited to partial account statements but failed to indicate what products were ordered, when they were ordered and where they were delivered. On XXXX XXXX XXXX, I provided the requested information to XXXX, to include the affidavit of forgery, sample signatures, police report, identification copies and proof of residency location over the last 20 years. On XXXX XXXX XXXX, I received a letter from yourself, XXXX XXXX XXXX, Risk Supervisor for AAFES, indicating receipt of my dispute and notification the case was assigned to an XXXX. On XXXX XXXX XXXX, I received a notice from the Department of Treasury, Bureau of the Fiscal Service, that {$2200.00} was withheld from my federal tax refund due to this disputed AAFES debt. This letter indicated the involved agency ( AAFES ) previously sent notice to me indicating the intent to collect the debt to include intercepting federal payments, including tax refunds. The original certified letter received from AAFES/XXXX made no mention of this and only addressed wage garnishment. Federal law under the Treasury Offset Program includes a Due Process prerequisite that requires a 60-day notice is provided to the debtor of the intent to offset as well as the opportunity to dispute the debt. I was n't provided notice of intent to offset. The notice I was provided did n't allow for due process and the 60-day requirement. And the dispute was acknowledged by AAFES and XXXX yet the offset still occurred ( ATTACHED ).
03/11/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 337XX	Web	Servicemember
I was in the military for 27 years, I had an unfortunate incident in XXXX in XXXX. I was hospitalized at the XXXX hospital in XXXX for 2 years. I was unable to pay any debts I owed. I was released and medically discharged honorably in XX/XX/XXXX. I was sent back to the US to continue my rehabilitation. Upon return, I started to piece my life back together by contacting any creditor and pay any debts I had owed. Due to my XXXX XXXX XXXX, I have some minor issues with XXXX XXXX & various other issues. So I paid all of my debts and all companies agreed to remove the items off of my credit report once the balances were paid in full, all but one Military Star otherwise known as Army Air Force Exchange ( AAFES ). Due to the time I was hospitalized AAFES forwarded by Military Star Account to XXXX. On XXXX XX/XX/XXXX, I spoke with XXXX from AAFES collections and he agreed to remove the item from my credit report once the balance was paid in full as long as I agreed to also have any income tax refunds or any other means possible extracted automatically from my pay. I agreed. On XXXX XX/XX/XXXX I called AAFES collections and spoke with XXXX. XXXX stated I had three accounts, XXXX XXXX XXXX Today, XXXX XXXX was paid in full XXXX XXXX, but your XXXX XXXX has a balance of {$110.00} and will be deducted on the XX/XX/XXXX, the full amount of {$410.00} will be deducted, the remaining amount will be refunded in XXXX days. I then asked XXXX if it would be removed from my credit report and XXXX stated he did not have that capability, but his supervisor could, he connected me to his supervisor XXXX, XXXX stated due to the circumstances we can remove it from your credit report once the balance is paid in full, call back in once the balance has been paid in full. On XXXX XX/XX/XXXX I spoke with XXXX, XXXX stated the balance was XXXX, and she would submit the removal from the credit bureaus, but it may take 30-45 days. I checked in XX/XX/XXXX and it was on all 3 of my credit reports, I checked again in XX/XX/XXXX and it was deleted from XXXX, but was still showing on XXXX and XXXX. I had to go back to the hospital for another XXXX XXXX, I contracted a XXXX XXXX in XXXX, XXXX and I was having serious XXXX problems. In XXXX I had my XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX. So I have basically been hospitalized or recovering through that time. I had forgotten about the AAFES problem because I was not looking at my credit report. Recently the owners of my apt . stated they wanted to move back to the Apt in FL. and I had to move. I applied to 3 different places and was denied because I had a derogatory comment on my credit report. I checked my report and AAFES is still reporting it to the XXXX and XXXX as " Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department ''. I have disputed it with them and the collection bureaus, I have called them on the phone, emailed them. All to no avail. They stated the information is correct. I even hired a credit repair company to help me. They refuse to cooperate. They agreed to remove Military Star from my credit reports on 3 occasions, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Now they refuse to even investigate the amount I paid, also they charged me an additional {$1300.00} from the original balances. I would not make such a big deal of this, but I am situation where it is affecting my ability to find an apt near a hospital, and they agreed to remove it from my credit report and they partially did, only from XX/XX/XXXX. During that period I was married to a XXXX woman and she used the card and was not on the card. She paid some of the bills that came to my house but divorced me while I was in the hospital.
07/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92692	Web	Servicemember
Long story short : XX/XX/XXXX contacted company about Credit Card ( CC ) that was under my name. XX/XX/XXXX contacted again no change in status. Contacted again XXXX and XX/XX/XXXX multiple times. Was told account will be closed and they wil handle it. Fastfoward to XX/XX/XXXX account was closed but never taken off report. Contacted XX/XX/XXXX and XX/XX/XXXX no change/no response to email. Emailed again XX/XX/XXXX asking whats going on and for a response, no response. XX/XX/XXXX emailed yet again finally got a response also called, was told to expect call back XX/XX/XXXX. Never got a phone call. Called XXXX, XX/XX/XXXX. Was told on XX/XX/XXXX and XX/XX/XXXX I would get a call back on XX/XX/XXXX, I never did I ended up having to call them. Found out a paycheck is being garnished. Not mine, had my command look and see they said no garnishes are coming out. Gave police report case # to company along with other evidence of Fraud I have had in the past, along with a letter from command stating no garnishes were taken out, and do not own a XXXX XXXX card, and command was never notified of any missed payments delinquent account ( per their policy they notify person command ). Address on application they also stated was my " home of record since XXXX ''. That was not true I also sent an a XXXX from XXXX to show my address was in XXXX Sine then I lived in XXXX til XXXX and then moved to XXXX with orders and am still currently here. Also they stated they sent something mail in XX/XX/XXXX to us, we never received anything, nor did they call us for a follow up etc. They sent a copy to wifes email on XX/XX/XXXX when we called them, about what they sent in mail in XX/XX/XXXX that we never got. Part of it was an application, that stated person who applied for card had NO job, NO time with current employer, NO time at address listed on applications, and NO time serving. At that time I did have a job, I was serving XXXX XXXX, and I did have time with employer. And also as a heads up they collected payment from someone elses paycheck while it was under dispute and reported it to the credit bureau which violates the Fair Credit Billing Act, also states this on their policy as well. We also contacted Federal Trade Commission as well. It also states on credit report account was not disputed. It indeed was. It also should state on my credit report that right now its under DISPUTE, BUT IT DOES NOT STATE THAT. I have had a XXXX XXXX CC opened in my name that I did not open, which was charged off as bad debt apparently, when we found this out via credit report we contacted them and in the end they ended up closing and removing it off my credit report due to fraud. I also had a home loan opened sometime in XXXX under my name that I never applied for, found this out via trying to make a dispute on the XXXX XXXX CC ( however we ended up just going into a XXXX XXXX to and call fraud department with an employee to take care of it in the end. My wife and I also found out about all of these in the same year XXXX. ) I never had a home loan before, never owned a house, nothing, only rented. This ended up coming off my report along with a discounters XXXX loan/CC that I also again never had. All of these were apparently opened in the time of XXXX. After the home loan, XXXX XXXX CC and the discounter XXXX came off the report I also put up a fraud alert on to my account as well. The only items on my credit report should be a loan for my truck, and a Credit Card with XXXX XXXX only. That is it. Also the XXXX XXXX card company said they have no records of phone calls documented XX/XX/XXXX and so forth until XXXX or XXXX one of the two the lady stated. I have phone records as well that I sent them showing we called on other dates.
04/16/2021	No	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	CO 80910	Web	Servicemember
I do not understand how Military Star is calculating my minimum payment due or how my payments are being applied. I called in a month ago on or about XX/XX/XXXX to ask about the minimum payment calculation because my balance on my account was {$850.00} and my minimum payment due was {$220.00}. This seemed excessive to me as it is a third of the balance. The agent at that time did not know and so it was sent up for review. I received my new statement today XX/XX/XXXX. My account balance is {$750.00} and the minimum payment due is {$240.00}. My balance went down but minimum payment went up. I immediately called to inquire. The agent XXXX reviewed the notes. She read them to me and said that the plan we were originally set up on in XXXX was changed and no longer valid. We now were under a new plan. I was already lost at this time and asked if she would send me the info in writing. She told me I had to request it in writing or it cant be sent. I initiated the research on the phone but yet they are refusing to send me the outcome in writing. I then asked to speak to a supervisor. XXXX came on the line and proceeded to tell me that the old plan had 36 MO to be paid of and the terms and conditions were on my statement. I looking at my statement I asked him to point out where it says that the old plan was expiring. He could not. I told him that there is a column for this information but it was blank. I asked again how the minimum payment is calculated. He said based on the interest rate for the two different plans I now had on account. One at 9.99 % ( old plan ) and the other at 10.24 %. After several attempts to understand what he was trying to tell me about this I still was not able to. He kept referring to items on my statement that were NOT on my statement. I asked how was I supposed to know when the 36 month period started and would end. He continued to tell me it was on my statement but it is most definitely not. I told him that they were just taking advantage of customers by not providing the information on the statement or on the phone. He also could not tell my how my minimum payment was calculated. He asked if I wanted to speak with a manager. XXXX came on the phone. I asked the same questions and got the same answers. I then asked how was I to know how my payments were being applied and to which account. She only told me that it was applied to the higher interest rate account ( newer account ) I asked again how was I to know when the older account would expire if there is no expiration date listed. She also could not tell me how my minimum balance due was calculated. It was in the Terms and Conditions and Important Notices section. Well in the Important Notices section on my statement dated XXXX XX/XX/XXXX it says my " Calculated Minimum Payment Due is {$230.00}. This amount may not be equal to your Current Min. Payment Due or your Total Min payment due if your account is past due or paid ahead '' I asked again. How am I supposed to know and where can I find this info about the status of each account on my statement if there is not info about where my payment was applied or when the 36 mo was going to end. She could not tell me. She also told me that I had to call in and tell them where to apply the payments. My payments are made automatically through my bank. At this point I'd like to know if its legal to : 1. Not tell me how the minimum payment due is calculated. 2. Not tell me how my payment is applied if I do not indicate. 3. Not tell me the status of an account and when it is set to expire if it was set up in XXXX.
03/22/2020	No	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	GA XXXXX	Web	Servicemember
After our last communication I have decided to close my account with Military StarCard. This is based on the fact they have continuously failed to properly address this situation and outside of CFPB I have received no communications from them to even address this situation. I have also decided to retain legal counsel at XXXX, XXXX XXXX XXXX XXXX XXXX in XXXX and plan to pursue legal action against this company up return from XXXX. They have continued to defame me and they have continuously over the years damaged my credit. In today 's complaint I will include my bank statements over the last year to prove their incompetent and dishonest business practices. To recap, this issue began a few years ago between XXXX and XXXX. I was on a trip to XXXX for work and received an NSF charge from XXXX XXXX XXXX XXXX ( XXXX ). Upon calling to inquire I was told over the past few months Military StarCard was attempting to ACH debit my account unbeknownst to me and because all my funds were in my savings account and I had no overdraft setup from savings to checking the transactions were all denied. XXXX were nice enough to refund all the NSF charges. I called Military StarCard immediately from XXXX to inquire what was going on. I was told by the representative my request to have my payment restriction lifted was approved because I was making regular on time payments to my account. With it being approved it activated a payment cycle that was previously setup about 3-4 years prior and just started deducting payments. Please note on the website with a payment restriction I can make no changes. That being said I received no communication that the restriction was lifted and I was never late on payments as I was cleaning up my credit report and paying off all my outstanding credit cards. At the time I'd payed down about 50 % of my outstanding balance with Military StarCard. For some reason the department that handles this can not be reached via phone. The representative has to always send in a request. After my frustration had built and I'd had enough I contacted customer service and got an email address to which I have yet to receive any kind of response to my 4 -5 attempts at contact now. It goes without saying, I see this as deliberate due to the fact I made a complaint here and less than 10 days later they had a response to send as well as a letter. How fitting. Military StarCard has continued to have money deducted from my military pay ; they have continued to contact my XXXX XXXX and XXXX sending them my bills and requesting I pay during periods of extreme financial hardships I went through. They continue to not reach out or communicate adequately which as you see has resulted in years of fees being paid and extreme damage to my credit. Unless this matter is resolved prior to my return from XXXX I will be going ahead with a suit against the company for a minimum of {$5000.00} for defamation and damages. I am willing to settle this matter out of court for a minimum of my account being reinstated and refunds of any interest charged from the time period this problem began. It's unacceptable and an extreme disadvantage to a consumer especially one like my self that travels 90 % for work and depends heavily on the ability to make and set payments online. Please find the attached bank statements from XXXX XXXX detailing my balances over the past year showing money was in my account if attempts were made at debiting any payments and sufficient funds were available,
11/29/2020	No	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	FL 32935	Web	Servicemember
Following up on Identity Thief and bank account being unlawfully withdrawn from in XXXX. My XXXX XXXX has had to be replaced 4 times since speaking with the Officer about suspicious activity on my accounts in XXXX. After more than a year of waiting for Army Air Force Exchange to comply with their contract. Ive contacted more than eight people inside Army Air Force Exchange and over 87 calls into XXXX XXXX in the month of XXXX. starting with XXXX who locked the account and prevented me and witnesses from logging into my account for over 8 months. XXXX, XXXX XXXX XXXX Her supervisor ), Mr. XXXX, refused to follow up for more than " XXXX '' weeks. XXXX the XXXX XXXX was made aware in XX/XX/XXXX. XXXX and XXXX lied on record multiple times and also on the phone conversation. In XXXX of XXXX, I was informed that the Dept of Treasury was moving ahead and garnishing my wages. Despite each of the above people not telling the truth on record and recorded on XXXX 's and Exchanges phone system. XXXX XXXX was also recorded threatening me to take " ALL my money '' " AS this is an ATTEMPT to COLLECT A DEBT '' as well as a {$10000.00} fine? which would be enforced by whom when I was a paying customer? So ruined my credit, stealing my identity, raising my interest rates on car loans and repairs, raising my rent, and preventing me from repairing or making payments on the vehicle I did have. This resulted in my having to surrender my vehicle in XX/XX/XXXX because of the Exchange and XXXX. Willingly locking my account, and refusing to work with my Credit Repair Company. XXXX threatened at the end of the call to take " ALL of the Treasury ' check. after I received numerous letters from the Dept of Treasury. -None of whoever returns calls and it doesnt go very far as much as just looking to see at all the XXXX reviews that are negative. But then after talking with two of my neighbors here locally. And a third at the pool who are all XXXX XXXX. When I tell them what the exchange is doing to me they tell them the same thing is happening to them and their family as well. It seems that the AAFES has a culture of not telling the truth and lying from the bottom to the top and that includes their subcontractors like XXXX decide whom they hire out. Na what contracts they honor while stealing my information. Threatening to have my XXXX garnish, asking for 5 copies of my signature and medical insurance account information. CFPB wouldnt be receiving emails if each of you had done your jobs, to begin with, and that includes protecting my XXXX and seeing if any threats are credible or not or worth investigating and if they are youre supposed to pursue them with a full extent of the law that includes military XXXX XXXX security forces XXXX whatever your names are called. The Lack of attention to detail by each of the Exchange and XXXX staff not following up dereliction of duty. Army Navy Air Force Exchange and XXXX are both a national disgrace. They flatly rip off XXXX veterans like myself. Then they tell you that you are on a " pay what you can '' while they sneak around and take the paycheck used to pay for my medical expenses as well. Someone there at both companies needs to go to jail for felony wiretap fraud aside from losing their jobs. Each employee also bragged about how they couldn't be fired. worth noting. I have sent this message out to every Veteran 's org as well as media outlets nation wide and in XXXX and XXXX. BUYER AND VENDOR BEWARE.
12/07/2020	No	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	WA 98445	Web	Servicemember
The Army and Air Force Exchange Service ( AAFES ) card, associated to the Military Star card, took out a double payment out in XX/XX/XXXX. When I contact them, after finding out that they double charge me, they only stated that the payment my husband made was to close to the date to when the automatic payments comes out. During the conversation, the representative stated that they would refund the payment my husband made, but they never did. Instead it was credited to my account the following month XXXX XX/XX/XXXX ). They also told me that I would have to re-setup the automatic payments. I did what they said and re-setup the automatic payments. The automatic payment didn't come out for a couple of months, even though the website showed automatic payments were set up. Then on XX/XX/XXXX we noticed that none of the payments came out. I had to make another call and the customer service rep. said that there was never a automatic payment set up. I was told again to go online and setup autopayments again. During this conversation we had to pay over {$400.00} to get the account back to current. We did that and set up auto payments once again. Thinking that everything was done we went on with daily life. Now in XX/XX/XXXX, we received a letter from the Exchange stating that we were delinquent in payments from XXXX - XX/XX/XXXX so I setup a payment to come out of my savings. That payment never came out. In XXXX I noticed that the payment never came out, so I called them. I was baffled and asked how are we behind with automatic payments. The customer service rep. stated that they gave us notice on our monthly statements. I asked where this would be in the statement and they stated in the middle of the statement. I said that's not somewhere that stands out and how is that fair when it blends in with everything else. They proceeded to say that its our responsibility to make sure it was paid. I explain to them that this wasn't the first time in the last year that their automatic payment system wasn't taking the payments out even when it says we are enrolled. They said that there was nothing they could do and that the account was put in their in-house collections. I asked is there a way to pull it out and make it so that nothing can be charge until the amount was paid off. They just said it's out of their hands. They explain that their in-house collection doesn't report it as in collection and can help keep it off my credit as so, but we would have to wait until we get the letter that would have the payment agreement on it. When I got the letter in XX/XX/XXXX, it said to sign and either mail or email it. I signed the agreement to pay {$89.00} a month and sent the copy to the email address they provided XX/XX/XXXX. I never received anything back saying they received it. I sent a follow up email on XX/XX/XXXX, trying to figure out how the payments are made and decided to call. During the phone call the customer service rep. couldn't find any information on my account. They look using my social security number and the account number on the debt letter. They found nothing. The rep. thought that it was pulled from their in-house collections and put back with AAFES. They transferred me and I was in que then was disconnected. I still have yet to get a response from the second email sent on XX/XX/XXXX. Today I looked at my credit and notice that it was sent to an outside collection company.
06/05/2016	Yes	Credit card	Billing statement	MD 21040	Web	Older American, Servicemember
I AGREED TO REPAY THE MILITARY STAR/AFFES ACCOUNT XXXX PER MONTH STARTING IN XXXX OF 2016 AND HAVE DONE SO BUT I DONOT RECIVE A STATEMENT SHOWING MY ACCOUNT PAYMENT OR BALANCE AND WAS TOLD TO CALL IN AND GET A BALANCE I HAVE NEVER MADE A PAYMENT ON A ACCOUNT AND WAS TOLD TO CALL IN FOR A BALANCE. BELOW IS THE EMAILS I SENT IN REGARDS TO THIS MATTER. I MADE ANOTHER PAYMENT ON XXXX XXXX XXXX XXXX, We do not normally remove credit history reporting 's that are correct. Your MILITARY STAR account charged-off to our collections department and will remain due to its accuracy. Once the debt is paid in full you can request it to be updated as 'charged-off paid in full. ' Respectfully, XXXX XXXX XXXX XXXX Army & Air Force Exchange Service XXXX XXXXXXXXXXXX Visit our online store! www.shopmyexchange.com From : XXXXXXXXXXXX XXXX XXXX : XXXXXXXXXXXX XXXX Sent : Thursday, XXXX XXXX, 2016 XXXX XXXX To : ECP Pay Assistance Subject : Re : HELLO XXXX XXXX WE SPOKE WITH OUR AER FINANCIAL ADVISOR AND HE INDICATED WE COULD REQUEST THE CHARG OFF BE REMOVED. SINCE WE ARE MAKING MONTHLY PAYMENTS ON THE BALANCE DUE. WOULD YOU REMOVE THE CHARGE OFF WE ARE NOT ASKING THAT THE LATE PAYMENTS BE REMOVED JUST THE CHARGE OFF STATUS THANK YOU XXXX XXXX -- -- -Original Message -- -- - From : ECP Pay Assistance & lt ; XXXXXXXXXXXX & gt ; To : XXXXXXXXXXXX ' & lt ; XXXXXXXXXXXX & gt ; ; ECP Pay Assistance & lt ; XXXX & gt ; Sent : Mon, XXXX XXXX, 2016 XXXX XXXX Subject : RE : Re : XXXX XXXX XXXX, In most cases a statement is generated after a payment is made, however, I do not see that the system generated a statement on your account. This could be due to the age of your TOP account. Later this year we are upgrading our TOP system and you will receive a statement every month for sure. I can request a balance letter be mailed to you if you would like. Your credit history will not be updated until the debt balance is paid in full. At that time, It will reflect " charged-off paid in full '' Once this debt is paid in full you can re-apply for a MILITARY STAR account at that time. Thank you for this opportunity to assist you. Respectfully, XXXX XXXX XXXX XXXX Army & Air Force Exchange Service XXXX XXXXXXXXXXXX Visit our online store! www.shopmyexchange.com From : XXXXXXXXXXXX XXXX XXXX : XXXXXXXXXXXX XXXX Sent : Friday, XXXX XXXX, 2016 XXXX XXXX To : ECP Pay Assistance Subject : XXXX : HELLO XXXX XXXX WOULD YOU PLEASE MAIL ME A STATEMENT FOR THIS MONTH AND LAST MONTH. ALSO ARE MY CREDIT PRIVILEGES DISCONTINUED? OR AM I ON A REPAYMENT PLAN TO REESTABLISH MY CREDIT. THANKS SO MUCH FOR THE INFORMATION XXXX XXXX -- -- -Original Message -- -- - From : ECP Pay Assistance & lt ; XXXXXXXXXXXX & gt ; To : XXXXXXXXXXXX ' & lt ; XXXXXXXXXXXX & gt ; ; ECP Pay Assistance & lt ; XXXXXXXXXXXX & gt ; Sent : Fri, XXXX XXXX, 2016 XXXX XXXX Subject : XXXX : XXXX XXXX XXXX, I apologize for the incorrect information you were given. Statements are generated when a payment is made. The payment agreement is clearly set up on the account. Respectfully, XXXX XXXX XXXX XXXX Army & Air Force Exchange Service XXXX XXXXXXXXXXXX Visit our online store! www.shopmyexchange.com From : XXXXXXXXXXXX XXXX XXXX : XXXXXXXXXXXX XXXX Sent : Friday, XXXX XXXX, 2016 XXXX XXXX To : ECP Pay Assistance Subject : HELLO XXXX XXXX I FORWARDED YOU A EMAIL YESTERDAY IN REGARDS TO MAKING A PAYMENT IN THE STORE AT XXXX PROVING GROUND EXCHAN
06/18/2015	Yes	Credit card	Credit determination	NY 11414	Web
XX/XX/XXXX I sent for a credit report. When I got the credit report it stated that my balance with Military Star Credit Card was {$6600.00}. Since I never charged anything around that date ( XXXX XXXX ) I was sent to the Military Star Fraud Dept. The fraud rep told me that he would be sending me copies of the transactions and I would be able to prove, with a signed photo ID, that the signature was not mine. That was the last I heard from Military Star. No mail. No calls. nothing. My son got very sick XX/XX/XXXX. I had much more to do than worry about Military Star. My son, age XXXX, lost his battle with XXXX in XXXX XXXX. In all my new credit reports I noticed that I had an outstanding balance with Military Star for {$6600.00}. It also said " account closed '' " no payment due ''. In XXXX of XXXX I called Military Star to ask about this posting on my credit report. They took the opportunity to update my contact info. I heard nothing from them. In XXXX of XXXX my credit scores drop by more than XXXX points. In checking my credit card I saw where Military Star had listed my account as 90 days overdo. Please keep in mind I had heard nothing from them. I called Military Star, sent to the fraud dept. where I was told to call my congressman and I was obligated to pay the outstanding balance of {$6800.00}. If I did not they would garnish my V.A. XXXX payments. I spoke to a XXXX XXXX XXXX ( head of the fraud dept. at Military Star ). He stated he would investigate my allegations and get back to me. Of course, he did n't. I waited several days after trying to contact XXXX XXXX and one of his assistants that XXXX XXXX had prepared but never sent to me. The assistant told me that XXXX XXXX had decided that my fraud claim was not valid and I had to pay the {$6800.00} that was charged fraudulently. No reason. No explanation. I then sent an e-mail to the fraud dept. stating I was XXXX, on a XXXX, the day the XXXX where made. From XXXX to XXXX XXXX XXXX did not try to communicate with me by any of the means they could have contacted me with. I tried XXXX XXXX and they too ignored me. Due to the late payment on my charge account in ( with Military Star XXXX XXXX XXXX ) I was listed as 90 days late on my payments. Again I was never told by Military Star that I owed this money ( no Billing statements, no phone calls. After I called Military Star I was informed that if I did n't make the payments my Veterans Comp would be garnished throuh my months deposit of my Veterasns Admin XXXX Comp. I paid what I could and transferred the balance to another credit card. No amount of reasoning with Military Star yielded a result. I was not aware of your services until yesterday. I hope the can get some positive result. My name is XXXX XXXX, address XXXX XXXX XXXX, XXXX XXXX XXXX, SS # XXXX. I am a XXXX service W/connected info at I was would proceed I always contacted person.COULD with no certain outcome. # contact me at XXXX. Thank You XXXX XXXX
10/05/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 31909	Web
On XX/XX/2022, I mailed a Validation of Debt [ Exhibit A ] and Cease and Desist Letter [ Exhibit B ], to EXCHANGE CREDIT PROGRAM with specific demands to identify the original creditor, provide copies of the original lawful contract signed by both parties in wet ink, and provide validation of the alleged debt ( actual accounting ). These letters were sent via Certified Mail # XXXX [ Exhibit C ]. EXCHANGE CREDIT PROGRAM received these instruments on XX/XX/2022. Respondent was given thirty ( 10 ) days from day of receiving Validation of Debt and day of receiving Affidavit of Truth to provide proofs of claim, point for point ; however, Respondent chose to either remain silent or otherwise refused to provide said proof of claim ( s ) and, therefore, has failed to state a claim upon which relief can be granted. Respondent has agreed and stipulated to the facts and agreed that the undersigned Secured Party can only discharge said debt via the remedy provided by Congress via HJR-192 with a Bill of Exchange or other appropriate commercial paper. AFFIDAVIT OF TRUTH Formal Affidavit of TRUTH [ Exhibit D ] was sent to EXCHANGE CREDIT PROGRAM as a result of their failure to comply with demands stated in the Validation of Debt Letter. Said Affidavit of TRUTH was sent via Certified Mail # 7019-2280-0001-4861-2443 dated August 30, 2022, and received on September 6, 2022 [ Exhibit E ]. Conditional Acceptance Formal Conditional Acceptance [ Exhibit F ] was sent to EXCHANGE CREDIT PROGRAM as a result of their failure to comply with demands stated in the Validation of Debt Letter, unpaid Invoice ( Bill of Particulars ), and Non-Compliance Affidavit. Said Conditional Acceptance was sent via Certified Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022. NON-RESPONSE AND FAILURE TO CURE FAULT After 10 days of receipt by EXCHANGE CREDIT PROGRAM, having not received and showing no record of response to items listed in my Conditional Acceptance sent XX/XX/2022 via Certified Mail # XXXX and received by EXCHANGE CREDIT PROGRAM on XX/XX/2022, said Conditional Acceptance is now in Default. NOTICE OF DEFAULT AND CONSENT TO JUDGMENT Whereas, for the reason of EXCHANGE CREDIT PROGRAMs failure to cure and honor Fault places EXCHANGE CREDIT PROGRAM in Default. For the course of dealing, set forth herein, with EXCHANGE CREDIT PROGRAM failure, refusal, or neglect in the presentment of a verified response to the Validation of Debt, Affidavit of Truth, and Conditional Acceptance constitutes the Respondents failure to perform in good faith and the Respondents acquiescence and tacit agreement with all terms, conditions and stipulations set forth within the Notice of Default and Consent to Judgment, Validation of Debt, and Conditional Acceptance Further Affiant saith not. All documents have been sent to Exchange credit union and are too large to share in this format. They can be provided if requested by an outside party.
08/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91745	Web
On XX/XX/XXXX I got credit alert notifications from XXXX XXXX that there were some changes on my XXXX Credit File. I checked those notifications and noticed there were multiple accounts appearing on my XXXX Credit File as of XX/XX/XXXX that had never appeared before. I immediately called XXXX and talked to them about those accounts not belonging to me and never opening those accounts and that I believed those accounts were fraudulent. I noticed the account were open back in XXXX and just now appeared on credit file. I sent to XXXX a completed FTC ID Theft Affidavit/Report, a cover letter explaining I have been a victim of identity theft, a copy of my drivers license, a copy of my social security card, a copy of the credit report indicating what accounts were fraudulent, and a copy of the FCRA 605B ( 15 U.S.C. 1681c-2 ). Since XX/XX/XXXX I have called at least every other day and have spoken to individuals in the customer service department, fraud department, and supervisors in both departments. I have asked them if they have received the paperwork I sent to them via certified priority mail through USPS and they have said yes every time and that those documents have been scanned and uploaded to the system. I have been told that a dispute has been open for fraud and have sent that dispute and the paperwork I sent them to the creditors and I have to wait 30 days or up to 30 days for it to be resolved, but I have every time specifically explained to them that according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) they are to block/delete those accounts that I identified as alleged fraud from my credit file within 4 business days and they always have excuses for not doing so and tell me I have to wait. They have not addressed my issue and I am currently in escrow for a home and this came up and I have begged them to please resolve my issue and help me out and they have refused to and have ignored every attempt I have made and have disregard the current FCRA 605B in place to protect individuals like me who have been victims of identity theft. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), " ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. '' I have provided to them everything requested and needed for them to comply with this request to block the items on the FTC ID Theft Report and they have failed to do so now and within the 4 business days.
03/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76544	Web	Servicemember
My name is XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX, I emailed in a copy of my XXXX Orders to XXXX XXXX dated XXXX XX/XX/XXXX. I received a confirmation email on XXXX XX/XX/XXXX, saying that my accounts were placed under the AAFES XXXX Benefit program which stated, We have applied the 6 % XXXX benefit to your MILITARY STAR account, which is set to expire XXXX XX/XX/XXXX. You will continue to receive statements during this time for as long as the account has a balance. Also, payments will be deferred and are optional. Although payments are not required while the account is coded for the XXXX benefit, it is in your best interest to make monthly payment to lower your account balance and take advantage of the lower interest rate. On XXXX XX/XX/XXXX, when we were able to gain access to the internet here, I received a notice that both my AAFES Account ending in XXXX and the one mentioned about ending in XXXX were both being reported as 2 payments past due and my leadership was notified. I immediately contacted AAFES customer service who stated that the accounts were annotated, but that for some reason the deferred payments benefit was not input and that they would correct the issue immediately. The benefit for deferred payments was applied to the account ending in XXXX, but evidently it was not applied to the XXXX account and it was reported to the Credit Bureau as 30 days past due when it should have been due to the entire account being eligible for the Deferred Payments as listed under the AAFES XXXX account benefits section which I have attached to this email as well. I emailed again on XXXX XX/XX/XXXX and received a response from XXXX XXXX XXXX XXXX Operations on XXXX XX/XX/XXXX stating that the benefits were applied to the account and started on XXXX XX/XX/XXXX, however I am unsure if it was applied to both the AAFES Starcard and the Take It Home Account. I had this account paid in FULL a few days later, but was not aware that it had already reported as past due to the credit bureau. Now, I am requesting that the account mentioned above ending in XXXX be correctly reported to the Credit Bureaus and never having been late for this 30 day period because now incorrect reporting my AAFES has impacted my credit rating and my leadership is considering removal of my security clearance because of this oversight by AAFES. If possible, I will also like to request a letter stating that the account was erroneously reported as past due and that the issue will be resolved and reported correctly to the credit bureaus immediately. This is a serious matter for me and my career as I am sure you are tracking and countless other Soldiers and Families count on the accurate reporting and establishment of XXXX related benefits from AAFES because they provide a tremendous service to our troops, so please understand my concern for this issue and in getting it resolved as quickly as possible.
11/23/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 94133	Web	Servicemember
XXXX of XXXX, I contacted XXXX services to work out an agreement, and a monthly payment plan. My intention to set up a payment plan was to ensure that my security clearance would not be revoked, and that I could gain employment with the XXXX XXXX XXXX upon evidence of this agreement with XXXX XXXXXXXX XXXX When I explained my intention to a the XXXX representative, to have my clearance approved for an excellent job opportunity I was in route to gain, the representative became erratic and annoyed. Specifically, after I answered her question " How much do you plan to make at the new job? ". After answering her questions and attempting to retrieve proof of agreement, she rudely refused to work with me. I also requested to speak with her manager, and again she refused in a a short and aggressive tone. After being refused, and talked over, to move forward with any request for assistance, I ended the conversation and called my Federal employer. This act from the XXXX representative cost me employment with a good paying job, and an opportunity to pay off debt I intended to respectfully pay. I haven't heard from or attempted to call them since. To this day, I have continued my pursuit to employment, despite my status as a homeless, unemployed XXXX Veteran. XXXX, XXXX. I finally gained partial employment with the XXXX XXXX. I received an opportunity to attend military training and get paid full-time for XXXX months. During this time, XXXX has collected over {$7400.00}, sometimes about half my pay and more. This debt was calculated as fully paid on my Leave and Earning Statements ( XXXX ), unfortunately XXXX XXXX XXXX started a new debt and intends to collect another more than {$1400.00} ( as stated by the representative XXXX ) without notice, under the same debt name. This appeared as a random additional debt owed to the same Debtor. They have not provided any documentation, or notice, or proof displaying an accurate calculation for their debt collection actions. They have forced automatic deductions, to deduct more than XXXX XXXX of my paycheck at times. I find it disturbing that this is legal, especially when forced upon military personal. I will be pursing further legal council with my military legal advisors ( XXXX ) once I arrive to my new duty station. XX/XX/XXXX. I called today to get an explanation, and I received no accurate information as to how my debt is calculated. The representative continued to say " your XXXX will not reflect the correct amount due ''. If this is true, why and how am I paying debts that have no accurate reflection of the final due amount and how can the government keep track of this. The representative also did not provide a total amount due, and therefore left me to believe that they can charge anything to my XXXX paycheck without an accurate reflection of how much I owe. Please assist.
03/14/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MA 01852	Web	Servicemember
In XXXX as a brand new XXXX, I was approved for the military Star Card from the Army & Air Force Exchange Service ( AAFES ). I used the card for 19 years with excellent payment history ( I owed {$5500.00} ), until I became incarcerated at the end of XXXX. My final bank-auto-payment stopped not long after, because my wages were stopped and I couldn't reach all my creditors except the ones that reached out to me in prison. I never got any CORRESPONDENCE from AAFES from XX/XX/XXXX to my release, XX/XX/XXXX. In XX/XX/XXXX I found out from the IRS that my 1st and 2nd stimulus checks were garnished by AAFES, I called AAFES and was referred to XXXX XXXX XXXX, who told me the US Treasury gave them {$1700.00} of the {$1800.00} ( minus admin fees ) on XXXX XX/XX/XXXX. I never got any CORRESPONDENCE from the Treasury Dept either. The XXXX representative also stated that I now owed {$15000.00} with 15 % interest accrual per each {$1000.00}, per month, but if I requested for hardship consideration, they will send me a Statement of Financial Status. I later asked why wasn't the debt forgiven after seven years and it's no longer on my credit reports, and the lady said that AAFES do not forgive debts and it will be back in my credit reports soon, in collections. I received their first letter with the Statement of Financial Status, late XXXX, dated XX/XX/XXXX. I decided to consult a Pro-Bono attorney from the XXXX XXXX XXXX XXXX and later worked with a XXXX XXXX volunteer who researched the issue and found, 1. Its unlawful not to inform or attempt to collect from the debtor before putting a lien on his or her SSN. - I was at a XXXX XXXX XXXX for six years before transferring to a Federal establishment, I was reachable. 2. The US Treasury Dept must inform the debtor of their action upon garnishment. - I sent an IRS Change of Address forms upon release to the XXXX XXXX that the federal prison released me to. In both instances, I was reachable, and I was in the hands of the US government. I first requested my {$1200.00} stimulus, XXXX XX/XX/XXXX via XXXX, as instructed by the IRS, and I sent it via Certified Mail. I waited and waited, until the IRS re-instructed that this time it must me claimed as a XXXX tax refund which I did again but at this time, the second stimulus was added to make it {$1800.00}. I also asked XXXX for a complete debt profile from the beginning of this debt to now, but they say that process will take 30 days, I haven't gotten that yet. The reason I couldn't work any financials with them is because I'm currently XXXX with XXXX XXXX since my release, so I have no income. I tried my hand at temp-work for 2-1/2 months, but that only aggravated my condition, so I'm currently XXXX and living at a XXXX XXXX XXXX XXXX XXXX while receiving treatment.
02/17/2016	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	VA 22554	Web	Servicemember
I became behind on my Military Star Card when my XXXX got XXXX from the military and I lost my job due to being laid off in XXXX XXXX. I was notified after filing my taxes in XXXX XXXX that they would be taking all XXXX of my federal tax refund dollars. After contacting the Treasury office, they told me that the only people who can stop this is the creditor themselves. I reached out to the creditor twice trying to make arrangements as well as file for a hardship. They insisted that they could n't help or withdraw the information from the debt until its paid. Basically telling me they can and will take all the money they can. They also told me that filing for a hardship would take about 30-45 days. When i requested to speak to a supervisor i was placed on hold by XXXX different agents many times. I was given a non-working number and told to call the supervisor and leave my name and number, and they will get back to me as soon as possible within 24 hours. The number I was given for the supervisor is XXXX. I explained my hardship of not being able to pay my rent or utilities, as well as having XXXX children. They did n't care and said sorry this is your debt and we will do what is needed to collect but if you like you can set up a payment plan for the remainder of the balance after we take the refund. How am I to pay that money if I can not even pay my normal bills due to them taking my refund. They claim to have sent notice of the offset XX/XX/XXXX due to them saying I did n't have a payment plan in place, I never received anything or any notice to offset. And I was also on a payment plan of {$200.00} a month at the time up until XXXX XXXX when my payments fell behind and they would no longer work with me due to my job laying me off XX/XX/XXXX. After contacting this company repeatedly, and them either hanging up on me or giving me false information as to whom i can contact to help me resolve this issue. I am coming here for help. I was basically told after weeks and weeks of trying to contact this company that they will not give any part of the refund of XXXX that they took from my taxes even if I am in a hardship. They claim that the hardship would only help pay the remaining balance after they collected all of my refund that I desperately need to keep my family a float. After lying to me and telling me that they would help and do what they could after speaking to the higher ups they avoided my calls and when I did finally get a hold of them they claimed sorry there is nothing that they can do and I would be on my own and sorry for any inconvenience. This is not acceptable or even fair! I needed that money to pay rent, my lights and water so they do n't get shut off as well as food for my children and these people just do n't care at all!
10/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30144	Web	Servicemember
I received a copy of my credit report and am disputing information concerning my payment history. Since XXXX I have been disputing the accurateness and recently again there was an oversight on my account which has prompted me once again to make my final attempt to rectify this problem. I am writing again in an effort to correct the derogatory statements on my credit report. As I stated I have contacted customer service on several occasions and was finally instructed to send a copy of my report so that it could be fixed because they were not aware of this problem. I sent via fax provided and email XXXX and again XXXX. While on active duty in the XXXX XXXX I opened my account, I opted for it to be deducted from my bank account to ensure on time payments. I was told it would be and initially I did n't have any problem because the payments were deducted as you can see with a review of my account. I medically retired from the military in XXXX and choose for the draft out of my account to continue and even upon military out processing my account was current because you can not discharge from the military with a debt. I am currently attempting to purchase a home for me and my children and was made aware once again of the derogatory statements listed on this account. This problem was to be resolved but yet again on XXXX XXXX XXXX I received correspondence that my account was past due. I was frustrated again as the agreement was that an automatic payment would come out monthly- which it indeed was. I was told that it would adjust to the balance on my account. After hours of painful waiting and multiple customer service attempts I was able to get someone to look into it and once again fix the problem- I was told they did n't make it self adjust. I say all that to say this- the times were not in fact accurate that I was not making the payments or late .... because they were set on auto draft and with the help of customer service this system/operator error was found. I am asking that you please fix my credit reporting to reflect that payments were indeed made and no late past due XXXX days as shown. As for the amount, I should not be held accountable for something beyond my control. In addition I never received any correspondence that it was n't being paid. I do n't know where it would have been sent to because I relocated from XXXX XXXX upon my retirement and home of record was provided. As you can see I have had no issues with paying my account and was even denied an increase due to this negative reporting on my report. I have served this country and value the honor and respect I give to others and attempt to pay all my debts as promised. I would greatly appreciate this matter to be resolved quickly and would like to say thanks in advance.
01/22/2022	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 90304	Web	Servicemember
I disputed the charges listed below, as I did not make them. I believe I was the target of a identity thief. I went through a similar situation with a different account of mine around the time of the purchases listed below. I had not used the account since XX/XX/XXXX and did not notice it was in use until I checked my Credit report on XX/XX/XXXX ( the date I submitted the first time I filed for these charges ) and saw the Balance. When I logged on to the account I saw that my account information had been changed and I updated it immediately. I ve attached images of the Information that was on the account, you will be able to tell that am not associated with any of the Information on those images. Date Description Reference # Location Amount : XXXX XX/XX/XXXX Charge XXXX XXXX {$4700.00} XXXX XX/XX/XXXX Charge XXXX XXXX {$1500.00} XXXX XX/XX/XXXX Charge XXXX XXXX {$350.00} The last transaction I made on this account was to pay it off on : Date Description Location Amount : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Payment - {$810.00} -I was held liable on XX/XX/XXXX & XX/XX/XXXX. The representative I spoke with told me the reason I was held liable was because the items were ordered online and picked up on base. She repeatedly cited the company 's policy of checking IDs before Items can be released as the reason I was liable. I asked if there was a way to show that it was my ID that was logged or recorded, she would not give me an answer but kept citing company policy. -Through my own inquiries made with the loss prevention department at the XXXX XXXX ( the location the items were released ) I found out a female that is not associated with me calling from a number that is not associated with my account or me, called 7 times about the purchases in the time between the items where ordered online and picked up from the store. I was never alerted or informed about this by XXXX. Also I was informed that no request for security footage was made during the time of the investigation. Also I was told that the exchange in question had fired employees around that time for fraudulent activities and theft. -I was able to find out that my account was not showing the exact date and time in which the items were picked up, which is an abnormality. -I made repeated attempts to escalate my claim but the I found the same person handled my case both times I submitted. -After I was held accountable I made repeated requests to be sent all the Information regarding my claim and decision but the information was never sent me nor were my emails responded too. -I also inquired about further escalation after I was given a " final closure letter '' and was told there was nothing I could do
01/12/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98375	Web	Older American, Servicemember
from XXXX related to XXXX and XXXX exchange service their phone : XXXX illegaly and wrongfully withheld XXXX from my SS check and have no other income source. Crime : Stolen identity or terrible errors in billing XXXX is the bill collector for XXXX and XXXX XXXX XXXX a gov. related busisness. ( XXXX ) Thank you so much ; A bill collector named XXXX, with XXXX XXXX and successfully garnished my Social Security, without even notifying me they would do so. I outlined for them a three page document pledging the statements to be true that it would be impossible for me to have order and not pay for items they claim i ordered but did not pay for. I appealed to them to show that I ordered such items ; they could not provide any documents to prove I had ordered ten items. They, then threatened to garnish my SS which they did on the tenth of XXXX of this week! I sent to them two and a half weeks prior to their garnishment explaining my reasons why I had not even ordered these ten items totaling about XXXX! They did not respond in any way to my emails and phone calls but just removed XXXX from my monthly check! They claim that I ordered these items, but I did not. They sent me some impossible to read pictures of items having arrived to my front deck of my house. But those items were delivered in XXXX and XXXX, but they did not send me any bill for these items until XXXX, and it was only an obscure e mail. No business letters never arrived until XXXX, and when it arrived it did not look like business bill! Therefore, I did not take it seriously. About mid XXXX I got a letter from the treasure department warning me of my un paid bill. It was a bill for XXXX. I knew I had never bought anything from XXXX and XXXX XXXX, so I thought it was a mistake. By XXXX They finally sent me another letter, then warning me that they could have my SS income garnished. At that time I phone them and they told me they would phone me back to explain their action. They never phone me. Finally after repeated pleas on my part to explain my innocence of these charges. XXXX never answered how would it ever have been possible for me to have them send items to me without my paying for these items in advance, i.e. a charge card or check. ( I do not use charge cards at all, and do not write checks. ) I asked them repeatedly, why would they send me items they charged me for, that I had never ordered? Further, why would they send me anything if I had no charge account with them. ( I had no charge account with them. ) Even if I had a charge account, which I did not, I could not charge more than XXXX dollars and they claim I had a XXXX bill! XXXX XXXX
08/27/2018	Yes	Credit card or prepaid card Store credit card	Incorrect information on your report Account information incorrect	NC 28376	Web	Servicemember
I XXXX to XXXX XXXX between XXXX. Made several attempts to make a payment at the local XXXX and was informed that unlike our Exchanges/Expresses in the U.S., a military star card will absolutely be needed in order to make a payment. Without a card, their information can not be looked up in the system. I was also told they couldnt call or contact AAFES from the local XXXX in XXXX. Unfortunately, there was very minimal communication capabilities due to location/security reasons and after these attempts I had no other option but to place on hold until my return stateside. Upon my arrival to the states I sent certified mail, called, emailed and sent fax ( to : XXXX ) -- -email to submit my orders and proof of service location at the time my account went delinquent. At the end of XXXX, near beginning of XXXX, I called in and was placed on an auto pay of XXXX per month that did not cover the complete bill amount. She believes it to be around XXXX monthly minimum at time of the auto pay. I had no late payments prior to deployment and have made several attempts to correct the companies reporting on my account. I was told initially that the late payments would be removed when I called and spoke with with customer service but that has yet to happen. Then i was told repeatedly ignored by the credit disputes department. Now even after showing proof to credit disputes department they keep refusing. In accordance with Congress Legislation S.1249 this violated my rights as an XXXX XXXX XXXX. No late notices or letters were sent to my chain of command which is a must whenever a XXXX is delinquent. Also unbeknownst to me during the deployment because I didn't have access to look up my les during my deployment, I show that monies were deducted from my check which legally according to FCRA brought my account to current status. But some of the payments doesn't show as paid they still show as delinquent to this day. So they failed to properly report even those payments which resulted in years of excessive late payments because someone didn't properly report my automatic XXXX drafts that I had no knowledge of. AAFES is sgowing me that no matter my sacrfice to this Country that during such a rough deployment at no fault of my own refuses to make the proper adjustment to those late payments. Again this violates the Congress Legislation S.1249. According to aafes deployed XXXX are not required to make monthly payments while deployed and the interest will not exceed 6 %. My time in XXXX was considered a deployment not a XXXX. It is on my XXXX as deployment and has and always been considered a deployment.
10/09/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MO 654XX	Web	Servicemember
I am a XXXX, XXXX XXXX XXXX with very limited income, trying my best to get my life back in order. Please help! I was XXXX in the Missouri department of XXXX continuously from XX/XX/XXXX through XX/XX/XXXX as evidenced by my enclosed letter of XXXX. While XXXX my identity was stolen by person or people unknown to me. Between the dates of XX/XX/XXXX and XX/XX/XXXX whoever stole my identity incurred {$8300.00} in debt using my Army and Air Force Exchange Service credit card ( see included account statements ). These purchases were purely fraudulent, and I had absolutely no knowledge of them. After I was released from XXXX in late XXXX, I learned of this debt because of pulling my credit report. I began to receive monthly statements from the Army and Air Force Exchange Service and I've included a copy of the last one in XX/XX/XXXX, which states that with their added interest the balance is {$10000.00}. I also receive account statements from a company called XXXX XXXX XXXX. ( XXXX ) who now apparently ( also ) carry the debt. The last statement I could find from them is from XX/XX/XXXX, and it states that my current balance is {$12000.00} as of that date. I contacted Both of these companies and informed them that the debt was incurred fraudulently and that my identity had been stolen while I was XXXX. They sent me a list of required documents that I was to put together to dispute the fraudulent debt, including an affidavit of forgery ( included in attachments ) from the local police. After getting everything together I returned my fraud pack to XXXX via certified XXXX mail ( see the enclosed, signed receipt ). They signed for it on XX/XX/XXXX. On XX/XX/XXXX I received a voicemail from a person named XXXX or XXXX, in which she said she was calling for XXXX XXXX ( my name is XXXX XXXX ) and that she was the investigator for my claim. I called her back at XXXX XXXX the same day and we spoke for four minutes and ten seconds. In our brief conversation, the only thing that she asked me is if I was married when I went to XXXX ( I was, but filed for divorce, which was finalized XX/XX/XXXX ). She then said that if she had any other questions she would let me know. In approximately a week, I received a 1-page summary of their " investigation. '' They had " determined '' the debt was valid and would continue to grow with interest. To make matters worse they are started taking my tax returns each year and a garnishment from my XXXX XXXX pay because the credit card ( which I got as a young XXXX in XXXX ) can apparently be collected as a federal debt would, through garnishment.
02/10/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	VA 23602	Web
I am a 29 year service member who have given years to this country and is being treated horribly by my own organization. I had an account with the Army and Air Force Exchange Service since XXXX and was in good standing until I had an emergency health crisis in XXXX. I had an account balance of {$4400.00} ( XXXX ) with a credit limit of {$7400.00} which I paid regularly. When I had my emergency XXXX XXXX I hired a organization to handle my financial situation since I wasn't able to and unfortunately they didn't keep their policy, took my money, I lost my home and they filed numerous bankruptcies illegally. After I regained my health I became aware of the financial situation the organization put me in and started reaching out to my creditors. None of them including Military Star would not talk to me because of my " bankruptcy status ''. Thankfully the US trustee became involved and took my case to court and won. I tried to reach out and explain several times to Military Star that I wanted to resume payments on my account and they refused to accept my payment due to the bankruptcy situation even though I explained my identity was compromised and those were not legal bankruptcies. I have been charged interest for years without them being willing to take monthly payments from me even to this every month for a situation I didn't cause. My total has risen to {$6900.00} almost {$3000.00} in fees. How is my account in collections but I'm still being charged interest years later? Even before the account was put into collections they would not let me resume monthly payments. It is reported on my credit report that I made a payment in ( yet it isn't reported in the payment block, so many deceptive practices ) XXXX I haven't made one payment since XXXX. When I request to make payment or request documents showing they can charge interest on a collection the representatives were rude, refused to work with me and threatened me ( told me they are the government ). I have never been treated so badly by a business. I have a block on my SSN and can not use the Post Exchange that is supposed to be for me. Now they are also taking my tax returns this is totally ruining my chances of getting a place to live as I am now homeless. Because this is on my credit I can't even get a place to live. I will be filing a complaint with the XXXX XXXX XXXX and whoever else I need to because Noone especially a service member should be treated this way. I am discomposed and disillusioned by XXXX XXXX and XXXX because it is supposed to be supporting the service members and their families.
06/21/2022	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	FL 33811	Web	Servicemember
On XX/XX/2022 I purchased a XXXX XXXX XXXX XXXX for {$640.00} and a service plan that cost {$59.00}, a total of {$700.00}. Order number XXXX. I purchased this item from the Exchange/AAFES Military online store and used my Military Star credit card to make the purchase. I called the customer service approximately 2 days later to cancel the order because I found a suitable blender at XXXX at a much cheaper price. I was informed that the order could not be canceled even though it had not been shipped. The same day I received an email stating that the item shipped. I received the item via XXXX on Wednesday, XX/XX/2022. That same day, I called the Exchange customer service to get a return label to return the item right away. I received the XXXX return label and went to XXXX in XXXX, FL that same day to return the item using the label sent to me from the Exchange store. The XXXX tracking shows that the item was received on XX/XX/2022 in XXXX, TX and signed for by a XXXX. I called the Exchange customer service the following day to follow up on the item received to make sure they also showed the item was returned, I was told that they do see it returned and I have to wait 5 business days for the refund on my military star card, I waited and still no refund. I called the Exchange customer service back on XX/XX/2022 and talked to a XXXX, and she said she can see that the item was returned with the tracking number but their system had been down and I would need to wait another 3 days. I called the Exchange Customer service back today, XX/XX/2022 and spoke to a Supervisor, XXXX, and he said that he has to now call XXXX to check on the tracking and then I will get a refund in another 5 business days. I am not satisfied with his answer and told him that he can look online to check the tracking like I did and it will show the item was received back on XX/XX/2022. Also advised him that previous agents could see it in their system, why can't he. He again stated in a nonchalant way that he will just have to call XXXX and get the process started. I am not sure what is going on in their system. I know that I used the label they provided me and returned the item the same day I received it. It is a very expensive item and now they don't want to give me the credit back to my card which has caused my credit score to go down based on credit card usage. I am very upset that this has turned into a problem and I feel that I am getting the run around with the Exchange store. I need this resolved ASAP. Please assist. Thank you!
06/05/2015	Yes	Credit card	Delinquent account	LA 714XX	Web	Servicemember
I AM EMAILING YOU IN HOPE OF BEING ABLE TO RESOLVE AN ISSUE I AM HAVING ON MY CREDIT REOPORT. I AM IN THE PROCESS OF TRYING TO BUY A HOUSE AFTER MY XXXX FROM THE XXXX. I AM XXXX AND HAVE BEEN LIVING WITH MY INLAWS FOR THE PAST 6 MONTHS WITH MY FAMILY SO THAT I CAN REPAIR MY CREDIT AND PAY OFF AND GET CURRENT ON ALL OUR BILLS AND CREDIT ISSUES. I WAS ALMOST DONE WITH THE CLOSING OF A HOUSE WE REALLY WANTED TO SPEND THE REST OF OUR LIVES IN AND THE V.A. APPROVED OUR LOAN EARLY ON IN THE PROCESS. WHEN AT THE BEGINING OF THIS WEEK THE UNDERWRITER PULLED MY CREDIT A 90 DAY LATE PAYMENT SHOWED UP ON OUR CREDIT REPORT THAT HAD FELL OF THE REPORT AND THE UNDERWRITER DENIED US FROM GETTING THE HOUSE. DUE TO THIS WE ARE LOOKING AT LOOSING THE HOUSE WE ALL FELL IN LOVE WITH. I UNDERSTAND THAT I DID HAVE A ISSUE WITH THE PAYMENTS DURING THE TIME I WAS IN TRANSITION FROM THE XXXX LIFE WAITING TO GET THE XXXX PAYMENTS STARTED FROM THE V.A. AND XXXX. I WISH THAT WOULD NOT HAVE HAPPENED AND I DO UNDERSTAND IT WAS MY FAULT FOR THE LATE PAYMENTS I AM IN NO WAY TRYING TO DISPUTE THAT. I AM WRITING YOU TO SEE IF YOU WOULD PLEASE REMOVE THE 90 DAY LATE ON MY CREDIT REPORT THAT HAS POSTED AGAIN ON MY CREDIT REPORT. IF YOU WOULD PLEASE LOOK AT MY WIFES ACCOUNT AND MINE YOU WILL SEE THAT MY WIFES ACCOUNT IS COMPLETLY PAID OF HER NAME IS XXXX XXXX XXXX. I PAID {$1400.00} AS A LUMP SUM PAYMENT TO GET MY ACCOOUNT DOWN TO {$110.00} AS ADVISED BY MY FINANCE COMPANY. HE WAS TELLING ME THAT THE CREDITOR CAN TAKE THE 90 DAY LATE PAYMENT OFF OR ADJUST WHAT IS POSTED ON MY CREDIT REPORT. APARENTLY WHEN MY FINANCE AGENT PULLED MY CREDIT THIS 90 DAY LATE WAS NOT ON MY REPORT AND NOW WHEN THE UNDERWRITER PULLED MY CREDIT IT WAS ON THERE AND STOPPED MY FAMILY AND I FROM BUYING THE HOUSE. I HAVE BEEN WORKING REALLY HARD AND PAYING A LOT OF MONEY TO BE ABLE TO MAKE OUR DREAMS COME TRUE BY BUYING A HOUSE OF OUR OWN AND FINALLY SETTELING DOWN AND RAISING OUR XXXX YEAR OLD DAUGHTER. PLEASE I KNOW YOU DO NOT HAVE TO HELP ME AND FIX THE ISSUE WITH THE 90 DAY LATE PAYMENT BUT I AM PRAYING THAT YOU WILL PLEASE SHOW ME SOME COMPATION AND FIX THIS ISSUE WITH MY CREDIT REPORT SO THAT MY FAMILY AND I CAN FINISH THE CLOSING ON THIS HOUSE OR IF WE MISSED THIS HOUSE BE ABLE TO GET THE NEXT XXXX SO WE CAN MOVE OUT ON OUR OWN. THANK YOU FOR ANYTHING AND EVERYTHING YOU CAN DO TO HELP RESOLVE THIS MATTER AND I THANK YOU FOR YOUR TIME AND SERVICE XXXX. CAN YOU PLEASE ALSO GIVE ME THE TIME OF MONTH YOU POST ON CREDIT REPORTS? XXXX BLESS AND THANK YOU.
03/24/2021	No	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA XXXXX	Web	Servicemember
Company : Army & Air Force Exchange Service, Collections Department. XXXX XXXX XXXX XXXX TX XXXX Since 2020, the Army & Air Force Exchange Collections Department has been intercepting via my Social Security payment {$180.00} each month to repay a credit card debt. The problem however is that they are only crediting my account {$170.00} each month in the reduction of the debt. They claim that the {$14.00} diffence is for fee 's that they are entitled to however on their statement that they issue, they only report that they've received {$170.00} ( total ) in monies received from the Treasury department and on their statement they do not report ANY fee 's being charged. They do not report the {$180.00} that they receive that the U.S. Department of Treasury reports they send each month. I have contacted them and they have not offered ANY explaination other than they are allowed to charge fee 's but when I question why isn't there any fee 's listed on their statement they send out to me and why do they report that they've only received {$170.00} instead of what the Treasury department reports that they send to them each month which is {$180.00} they hang up in my face. I suspect they are skimming a small amount of money each month and committing fraud by not reporting accurate amounts of money received nor are they listing fee 's that they claim they are charging on their financial statement ( as a matter of fact ), they list {$0.00} in fee 's collected on their financial statement they send out to debtors. In addition, they purposely do not report monies received to the all 3 credit bureaus XXXX, XXXX and XXXX but indicate it in the comment field that a payment was received so the credit agencies do not reflect actual payment received which directly impacts one 's credit score. They are required to enter payments received in on the credit bureaus " payment 's received '' section, but only do so in the " comments '' section which they know will detract from your credit score. It's their way of intentionally manipulating the situation in a deceitful manner so your credit score will not reflect payment so your score receives no benefit or reflection of payments being made to satisfy the debt. ( which impacts your credit score ) I would like this to be investigated because I don't think that's legal. The Army & Air Force Exchange Collections Department I believe has been sub-contracted out to another company who is not ethical nor professional in the collection of debt.
02/08/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 15701	Web	Servicemember
My husband was XXXX XXXX XXXX in XX/XX/XXXX, during this time we utilized a XXXX XXXX XXXX. We had the ability to pay at the time, until life decided to show us otherwise. Sadly we did not have the money to feed our kids, let alone pay a credit card bill. We tried to work with XXXX XXXX, but they kept garnishing my husbands military pay. Which we understand and are somewhat okay with now. During the next year we still were unable to pay our debt, our XX/XX/XXXX tax return was fully garnished to pay off our debt. Our debt was almost fully paid off and we thought things were pretty much finished. It wasn't for a few months later that we found out that XXXX XXXX was still charging us interest each month on the small amount of debt, they then hired XXXX to collect the said debt. XXXX added their crazy fees to the mix and we still owe over {$900.00} on a debt that was very close to being paid off. We tried to contact XXXX several times because XXXX XXXX told us that they could no longer handle our account. XXXX laughed in our face stating " its a XXXX XXXX, if you don't pay we will garnish all of your wages, then what? '' We sent a letter to XXXX requesting a hearing ( never heard anything back in months ), we have tried numerous times calling them, emailing them, each with nothing back. The last time we were able to actually contact them ( to where they actually talked to us ), we told them we could only afford {$50.00} a month in payments, they were quick to shoot us down and threaten that if we couldn't do {$100.00} a month, they would just take the full {$900.00} straight from our paycheck. For goodness sake, I have three young children, I served 13 years in the Military, I am a civilian XXXX XXXX making very little to live off of, but I am trying to make right on my debts the best that I can. I am so beyond dealing with this company, currently I am looking into an Attorney because several other AAFES card holders are experiencing similar issues and I don't see how this is fair. The card is too easy to obtain, because they know they can add as many fees as they want and either way it will be paid to them through garnishment. We have people struggling, but yet AAFES has enough money to hand out THOUSANDS of " STAR GIFT CARDS '' each month to winners of the contest, but someone who can not afford to feed their children due to an issue with Military Pay can suffer. If they make enough money to afford these lavish contests, maybe they need to reconsider their stand on life.
05/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 90280	Web
Beginning on XX/XX/XXXX, I received a letter from the Army & Air Force Exchange claiming I owed a past due payment I was never aware of in the amount of {$220.00} with a late fee included of {$25.00}. The Army & Air Force exchange also claimed and threatened that they could proceed with the Treasury Offset program and/or other collection action if I did not abide by their Voluntary Repayment Agreement. They never stopped sending statements and making claims of putting the account to the Treasury Offset Program, as well as increasing the APY they had set at 1 % and increased to 7 %. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX ( XXXX ), this letter claimed that I initially owed {$200.00} on XXXX XXXX, but they added on : an interest fee of {$1.00}, a fee of {$68.00} and totaled to {$270.00}. The letter that XXXX did not coincide with the statements that Army & Air Force Exchange had been sending. On XXXX XXXX XXXX, a full payment of {$240.00} was made from the Internal Revenue Service ( IRS ) to Army & Air Force Exchange through the Treasury Offset program. However, the Army and Air Force exchange and XXXX has not stopped sending letters with the wrong amounts they claim I owed. On XX/XX/XXXX, the exchange sent a statement claiming it still owed {$220.00} and of course they have received a larger amount from the Treasury Offset Program. To make matters worse, the exchange has not been in contact with XXXX to update them that the account has been paid. On XX/XX/XXXX, XXXX sent a letter making false claims that the amount owed has not been paid off. XXXX has also stated that they have been contracted by the Exchange to initiate an Administrative Wage Garnishment as a threat for not having paid this threat even though it has been paid. The Army and Air Force exchange has failed to update this account and XXXX that it has been paid off by the method of Treasury Offset program. The Army and Air Force exchange has also failed to send a statement stating that this account has been paid off and has taken more money than what was owed. Furthermore, the Army and Air Force exchange has failed to stop all notifications even though this debt was submitted to the Treasury Offset program and has continuously been a nuisance along XXXX. It was stated in their letter sent on XX/XX/XXXX, that no notice will be given before I am offset, but that is not the case because the Exchange has contracted XXXX to continue sending letters.
02/02/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 64093	Web	Servicemember
The Army Air Force Exchange Service ( AAFES ) refuses to stop reporting a derogatory item against my personal credit report despite presentation of documentation that proves the existence of mitigating circumstances tied to active duty military service. After I was ordered to active duty from the reserve component, an automatic allotment that I had setup to make automatic payments against my open XXXX XXXX XXXX ( credit card offered and managed by AAFES ) did not immediately carry over. I was ordered to attend an intense military training pipeline that spanned approximately 20 months and included multiple short-notice relocations during that timeframe ( see attached sets of orders ). Additionally, the Creditor is in violation of the Fair Credit Reporting Act because I was never provided prior notification of pending material changes to my credit report. It was only after reaching my final base that I learned something was wrong. One of my paychecks was approximately XXXX smaller than normal. Upon reconciliation of the reserve and active pay systems, the XXXX and XXXX XXXX XXXX ( XXXX ) automatically sent a single payment to close the remaining outstanding balance still open against the account held by the named Creditor ( reference the attached Leave and Earnings Statement ). In effect, by the time I realized something was wrong, the Creditor had already sent the account into collections. The Creditor claims to have sent notification ; however, the last address they had on file was my reserve unit HQ building -- even though this makes no sense as the XXXX XXXX is a personal credit card requiring a residential address during the application/sign up process ( which I provided ). Personnel at my reserve unit were not able to verify receipt of any personal notifications addressed to me from AAFES during my absence. I have attempted to work directly with the Creditor and all three Credit Reporting Agencies XXXX see attached email correspondence and dispute letters XXXX. I have even retained legal representation ( see attached legal notices from XXXX XXXX XXXX ). The Creditor states that the decision rests with the CRAs. The CRAs state that the decision rests with the Creditor. All involved parties refuse to coordinate and simply shift the responsibility. I have already filed a complaint against the CRAs, but was unable to also list AAFES. This complaint is specifically intended for the named Creditor.
08/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 337XX	Web	Servicemember
Re : XXXX XXXX account # XXXX, XXXX To whom it may concern : Please consider this letter as my formal complaint against XXXX XXXX ( Army Air force exchange ) AAFES. I have sent certified/return receipt dispute letters to XXXX XXXX requesting verification of this account in accordance with FCRA. These dispute letters were received by them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX was unable to verify/validate this account in accordance with FCRA. After challenging this account with the credit bureaus directly, This account was removed. XXXX XXXX then reinserted this account under a different account number ( XXXX ) without the 5 day reinsertion notice required by FCRA. As this account was hindering my credit worthiness, and with XXXX XXXX unwilling to correct their records, I decided to pay the full balance allegedly owed by sending a pay for delete letter and check. On XX/XX/XXXX I sent this contract along with a check for full payment as reported to the credit bureaus, in the amount of {$8900.00} in which they received on XX/XX/XXXX, and cashed on XX/XX/XXXX In the letter and written on the check were the following terms : By cashing this check, you agree to terms of this contract : -Show paid in full. -Remove credit items from reports -Cease collections Currently XXXX XXXX has yet to correct their reporting according to the contract. They are still reporting a negative collection account to the credit bureaus in the following amounts : XXXX : {$1400.00} XXXX : {$8900.00} XXXX : {$1400.00} I implore your agency to please assist me in having this unverifiable, and paid in full account, removed from reporting on my credit files. XXXX XXXX practice is highly damaging to my credit and i would be remiss not to request your assistance with this issue. All return receipts, letters sent, and evidence available upon request if not included in this complaint. Thank you for your time and assistance in this extremely important issue : My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX CC : CFPB CC : XXXX CC : Attorney Generals office : XXXX XXXX Office of the Attorney General XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX U.S. Department of Justice XXXX XXXX XXXX, XXXX Washington, DC XXXX XXXX XXXX Office of Attorney General State of Florida The XXXX XXXX XXXX, FL XXXX
10/05/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MD XXXXX	Web	Servicemember
I opened a Military Star Card account on XX/XX/XXXX for {$4.00}, XXXX. I began making monthly payments of {$96.00} to $ 100 monthly from on or about XX/XX/XXXX until my last payment of {$100.00} on XX/XX/XXXX ( please see attached email receipt ). XX/XX/XXXX my amount due was {$4000.00} eventhough i NEVER missed ANY payments. Within 7 days of my payment I received email on XX/XX/XXXX stating I had missed my payment. Then on XX/XX/XXXX I received another email stating I was 2 payments past due and that my account was suspended. Then on XX/XX/XXXX I received another email stating my account was 3 payments past due and that they would begin Garnishment, reporting to Credit Bureau etc. I had XXXX % income reduction due to COVID-19 Pandemic. Fast forward to XX/XX/XXXX. I called to request debt reduction and settlement of my debt. The Senior Representative XXXX XXXX XXXX told me the following : " XXXX Outstanding Debt Military Star AAFES reduction of debt policy my Account doesn't qualify Minimum 12 months to apply for reduction of debt Default XX/XX/XXXX. '' They had already initiated Garnishment orders. I requested to speak with a Supervisor. XXXX XXXX XXXX came on the phone and stated the following " 2 consecutive payments then I qualify for reduction of debt '' I agreed to make 2 consecutive payments of {$1500.00} on XX/XX/XXXX and XXXX to qualify for this reduction of debt. I was instructed to call back before XX/XX/XXXX when the next interest cycle would occur and offer to resolve debt. I called on XX/XX/XXXX and spoke to XXXX XXXX again. Now I had XXXX remaining, and I asked for Reduction of debt and offered to pay an additional {$500.00} submitted. I was told it would take upto XXXX business days for a response. On XX/XX/XXXX, I missed a call from XXXX XXXX but a message was received to return call. On XX/XX/XXXX I received another call from XXXX XXXX that they declined my offer and stated I had to pay {$1800.00} " flat '' of the {$2300.00} remaining, eventhough I just paid {$3000.00} in the last 2 weeks. I asked could there be a reconsideration for possibly {$800.00} or {$1000.00} and he said NO. There is NO reconsideration. I have NEVER heard a debt collector unwilling to work with a client. XXXX XXXX was off that day.
09/14/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NV 89103	Web	Servicemember
I have a debt with " the XXXX card '' now per my understanding Your Rewards credit card has a dual function that allows you to access two credit card accounts with separate lines of credit a XXXX account issued by XXXX XXXX XXXX, XXXX. and a XXXX XXXX Private Label Account issued by the Exchange Credit Program. REF : XXXX XXXX XXXXXXXX Debt is from XXXX I was in the XXXX from XXXX. I was in the belief that I paid off the card in full before departing to XXXX in approx XXXX. I never received any statements from XXXX while I was in the service that there was remaining debt. Had there been remaining debt it would have been garnished from my XXXX XXXX pay immediately. From XXXX to XXXX I received no notices that I had a debt. In XXXX I received a notice from a 3rd party debt collector stating that I owed over XXXX. For which about XXXX is actual debt and the rest is interest. Debt collectors pay only a fraction of the charged off debt. Debt collectors to the best of my knowledge can not continue to charge interest on a debt. This debt is over 11 years old. When I contacted them they THREATENED : they will put a lien on my social security number. sue me for the 11-year-old debt that the debt will continue to gain interest They will garnish my wages ( they have done this ) They also stated that even though they are a 3rd party debt collections agency they are not bound by the statute of limitations. The Law that they are talking about ( I would guess ) that gives the government the right to collect a federal debt without a statute of limitations is PUBLIC LAW XXXX. Which is only applicable in the following categories. anyone OVERPAID by a federal agency Federal Student Loans Child Support Income Taxes This debt does not fall into any of these categories. However ; even it did per SEC. 14219 ( 2 ) ( B ) APPLICATION OF AMENDMENT.The amendment made by subsection ( a ) shall apply to any debt outstanding on or after the date of the enactment of this Act. ( XX/XX/XXXX ) Said debt does not fall into one of the categories and is from XXXX. Thus making the statute of limitation applicable in this case. This debt by their own admission is no longer with AAFEES but is a third party debt collector. See attached screenshot.
02/24/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	PA 15237	Web
This complaint is in regards to the Army and Air Force Exchange Service. Their preying practices on individuals who the debt does not solely belong is immensely negligent, and just because they are considered a " government agency '' does not intimidate me nor will it prevent me from exploring all avenues to correct their grossly negligent actions. This credit card is only available for members associated with the armed forces ( therefore I was only able obtain this card with my now ex husband who is the active duty service member ). With that being said a card was opened with this credit card company with my now ex husband on the card as well. Our divorce was finalized in XXXX of XXXX with many court orders with the a specific mention to the Military Star Card. My ex husband is responsible for {$2900.00} per a court order signed by a California judge. However, the Army and Air Force Exchange Service made no attempt to contact my ex husband who is listed or pay attention to the court order which I did email to them on XX/XX/XXXX. I have the email correspondence that I would be glad to share. I also have all of my court documents that I will be glad to provide as well. The Army and Air Force Exchange Service has the capability to garnish the service members pay, but they did not do that and refused to acknowledge a court order. This is a service member who has several security clearances ( does not pay his court ordered child and spousal support either so how he can continue to carry these clearances is beyond me. I hope a bench warrant is issued in the future for his massive arrears ) and brings home over {$6000.00} a month, but instead they choose to prey on me and the debt is not solely mine. It seems as if the military likes to enable financial negligence in all avenues and this also includes protecting their service members with security clearances who do not even provide the court ordered support for their own two children. I intend to explore all avenues including contacting the attorney general, small claims, and if needed trying for the Supreme Court. This " government agency '' needs to to be held accountable and do the right thing by enforcing the proper action on court orders.
01/21/2023	Yes	Credit card or prepaid card Store credit card	Fees or interest Charged too much interest	FL 33023	Web	Servicemember
This is a continuation from CFPB complaint # XXXX. I am sending XXXX XXXX XXXX my hardship packet in order to go on a fixed monthly payment and in a effort to suspend or lower, the {$22.00} variable interest I am still adding to a {$3600.00} store card ( XXXX XXXX ) that should be in charged off status already. My name is also on a offset status with XXXX XXXX and XXXX is in charge of making sure any federal payments are held as well as my wages. I hope the packet gets approved and I will no longer be in that status and be allowed to pay {$300.00} monthly at {$75.00} weekly. At this moment the debt is at approximately {$4300.00} with the charged that XXXX charges for their service. I have attached the packed sent to them XX/XX/XXXX via USPS. According to the XXXX reply on CFPB complaint # XXXX, this debt is at over {$4100.00} on their letter inviting me to complete the hardship packet. They also sent a dues charges sheet with a total due as of XX/XX/XXXX of {>= $1,000,000}. I believe this 2nd one is a typo. There is also a statement dated XX/XX/XXXX of {$3800.00} for XXXX XXXX which I am not related to nor have I named him as an authorized user for the account, this must also be a mistake. Please make sure these mistakes do not get added to my debt for ANY reason as other cases that XXXX has been involved in the past. This card was originally opened in XXXX during my military service and in XXXX I was not able to keep up the debt due to the state of the world. I was placed on their hardship program and was debited from my XXXX bank account monthly until there was a missed payment which caused the account to go on default status. The debt around that time was {$2600.00} ( from a {$3600.00} limit that the card had ) and I was only able to pay {$40.00} monthly which was only covering barely interests which had gone back to accrue due to the default status ( this card never gets " charged off '' apparently ). I lost my XXXX account and this account went back up to over {$3000.00} and through XXXX and XXXX I have been trying to pick up the payments to try to settle but if this account is delinquent it should not be still accruing interest on the original limit of {$3600.00}.
09/26/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	ID 83647	Web	Servicemember
AAFES/NEXCARD DEB XXXX ( Military Star Card/Army and Air Force Exchange ) appears on my 'leave and earnings statement ' from the XXXX XXXX . I am an XXXX, XXXX XXXX I enlisted XX/XX/1999. I have been the victim of improper debt collection practices many times by many companies, but this one requires action. This company improperly sent a letter to my place of business in an intentional attempt to get me in trouble at work. The letter was not even addressed to me, it was addressed TO my boss. Completely unethical and improper. Violated my right to privacy, and also the Fair Debt Collection laws not to harass a debtor at their place of employment. Then, after this company acknowledged receipt of my Chapter XXXX bankruptcy petition, in writing to my attorney, they filed a fraudulent wage garnishment against me and took over {$600.00} directly out of my check without warning. I have contacted the company both via telephone and in writing and they refuse to return the funds or assist in any way. Claiming dishonestly that there is no information on file for someone with my identifying credentials. They sure didn't have any trouble location my identifying credentials when they wanted to take money from me though. That evidences to me they are being dishonest, and there is proof they took money when they should not have because they already acknowledged receipt of the Chapter XXXX documents in writing TO my attorney which he showed me at the courthouse. I need my funds returned to me expeditiously, and I hope your organization will look into how this company has hammered down the harassment of XXXX XXXX soldiers and their families for many, many years. In fact, there needs to be a serious investigation into how every company that abuses putting the vocabulary 'military ' or 'XXXX XXXX ' in its name abuses that vocabulary to purposely mislead soldiers into thinking they possess the ANY authority of the United States Military when they absolutely do not, and, they need to be stopped from harass soldiers and their families on XXXX XXXX at their place of business purposely trying to cause the soldiers command to issue an order of payment of debt when there is no legal pressidence to do so.
03/31/2019	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	CA 92105	Web	Servicemember
In XX/XX/XXXX I started to struggle making payments due to a XXXX XXXX XXXX and limited access to my bank account ( which had also been drained by someone who had access ). Upon coming back I missed several payment showing on my credit in XX/XX/XXXX and XX/XX/XXXX. The company has since blocked me from making payments over the phone or online. They told me I must make them in person at the store or by mail for 6 on time payments. I was told this after going through countless customer service reps and being told different confusing things and not being directed to anyone who could tell me anything specific. I have since then made 6 on time payments and am still not able to pay online as I was told. The biggest issue with this I am I now out of the military and this is a military store. Theyve given the option of mail but its really out of the way and all Im trying to do is pay off my debt. They are intentionally making that more difficult and the customer service rep went as far as to tell me that it was punishment for missing two payments. This was already frustrating as prior to this I had made over {$300.00} payments for 7 months on min {$30.00} payment. I was already paying above and beyond so why punish me? And how is that their duty? This is suppose to be a military supportive store and theyve already reported my credit even knowing the common military situation I was in, so now I dont understand them intentionally making this more difficult and I have no base access to make these payments in person. I have attempted to call and have the issue resolved but am always sent in circles being told different things. I feel as though I am being prevented from paying my debt to them and they are quick to report these things. They take too long to give answers, if those even ever come honest or correct, and I am afraid theyll take so long I will not be able to pay on time. It feels that they are intentionally ruining credit and refuse to come to any resolution or work with Me. Any time I call I dont think Im able to connect with anyone able or willing to listen or help. I just want to pay my debt and be done with them for good if they would just allow it.
06/20/2016	Yes	Credit card	Forbearance / Workout plans	VA 23456	Web
had a credit card with the navy exchange that i got behind on payments towards the end of last year. I called them at the end of XXXX 2015 to start making payments on my debt because I was in a better financial position. I was told that a letter had been sent out stating I need to make payments or they would default on my acct I start making payments XXXX XXXX. I have called in every month after that to make my payment of {$210.00} dollars with XXXX of their representatives. I called them around XXXX XXXX to make a payment and I was advised that they sent me into default because they sent me a letter in XX/XX/XXXX of a payment plan that I had to sign and send back within 30 days. I have been calling in every month and not XXXX associate made mention that the letter had not been received. I was given the number to a 3rd party agency that marked up my acct 16 % I was to make payments XXXX and I was being charged up to XXXX a month in fees and interest on an acct I was already making monthly payments on. I then called back XXXX XXXX appx XXXX talked with XXXX who let me know that it was my fault I was in default in a raised voice telling me I should have had my father send me my mail since I am currently working XXXX and that it is not there problem if the letter did not reach me because they can not control postal mail being delivered. So regardless if i ever saw the letter or not they would have still defaulted on my acct. I responded saying that if an associate would have said something to me about the letter when I called in I could have given them an address to send me the letter and mail back to them. I was also advised that there associates not telling me about the letter or reading the notes on my acct was not in there control. My issue is that I was making payments to them every month calling them so it is not as if i was n't trying to pay my debt because i have been trying to build my credit back up. I am very offended with how this case was handled, and the tone of voice that i was talked to which was very rude which put me on the defense. These companies do and say whatever they want to people/consumer with no regard to professionalism.
11/02/2015	Yes	Credit card	Customer service / Customer relations	OK 74012	Web	Servicemember
I have called multiple times to Aafes credit hotline in regards to a time sensitive matter. I had an account that was paid and closed XX/XX/XXXX, the credit reporting agency XXXX indicated that Aafes stopped reporting on this account XX/XX/XXXX to all the credit reporting agencies. XXXX has indicated to me that Aafes needed to update to today 's date or provide a letter to all XXXX reporting agencies advising them to remove it from my credit report. This issue needed to be handled expeditiously as I am a veteran trying to finalize on the financing on my home loan, without this I will be without a home. First contact was with an agent that had to advise her supervisor of the issue, I was directed to email a formal complaint in. After the emailed complaint was sent a week and a half later I received an email from their credit disputes department stating that my report was updated to please allow 30-45 days for it to show on my report. I replied back asking for a copy of the updated outcome for my mortgage company to help finalize their credit decision. I received no reply, which I called their number to speak directly with the agent who had emailed me. I was told that agent does not take consumer phone calls the Aafes supervisor told me I had to wait 30-90 days for a reply. I was told emails went into a que only XXXX be answered XXXX at a time, she nor did Aafes care about by time sensitive matter. I had to wait the allotted time until my reply email was back at top to be answered. The following day I called again in hopes to reach a more respectable, helpful supervisor. To my dismay I reached another very rude supervisor that had generic almost scripted replies, except this time I was told no one had even stated on my dispute yet. I informed the supervisor that I received an email prior to that day from an Aafes credit agent stating my report had been updated. I have continuously made contact with Aafes trying to get a copy of their credit report for my account, every time I am refused a copy and told to wait up to the 90 days for a reply. To my knowledge under the XXXX the consumer should be sent a copy of their judgment on disputes.
11/28/2018	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	NV 89002	Web	Servicemember
I inadvertently made a larger overpayment to my AAFES Exchange Credit Program Card on XX/XX/XXXX. Within a week this payment was posted to my account leaving an over payment amount of {$11000.00}. On approximately XX/XX/XXXXI contacted the company and requested a refund which they assured me would arrive in 7-10 days. I waited until XX/XX/XXXX before reaching out to the company via email saying, " I requested an overpayment refund three weeks ago and I still havent received it. How much longer do I need to wait? '' They responded 1XX/XX/XXXX saying : " Dear XXXX XXXX, Thank you for contacting our office concerning your MILITARY STAR account with the Army and Air Force Exchange Service ( The Exchange ). Please be advised that we have sent another request today for the refund to be sent to you. Please allow 7-10 business days for the refund check to be delivered. We do apologize for the inconvenience this has caused you. If further assistance is needed, please give Military Star a call at XXXX or via email. Thank you for your service and have a wonderful day! Sincerely, XXXX XXXX The Military Star Email Team Army & Air Force Exchange Service XXXX XXXX I didn't receive a check so I contacted them again on XX/XX/XXXX saying, " This is my third inquiry into the overpayment on my account. Can I ask what the issue is that is causing such a delay? '' They responded XX/XX/XXXX saying, " Dear XXXX Parent, Thank you for contacting our office concerning your MILITARY STAR account with the Army and Air Force Exchange Service ( The Exchange ). Please be advised we are researching this to see why the check is not getting processed. Once I receive a response form the accounting department XXXX will email you about your refund. We do apologize for any inconvenience this may have caused you. Thank you for your service and have a wonderful day! Sincerely, XXXX XXXX The Military Star Email Team Army & Air Force Exchange Service I then waited until today ( XX/XX/XXXX ) to call the company again and now they are saying they are going to try and have the check mailed out to me by the end of the week.
08/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30263	Web	Servicemember
This letter is regarding my XXXX account, which you claim I still owe {$5700.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act XXXX including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
04/16/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	KS 66061	Web	Servicemember
XXXX XXXX XXXX has been attempting to collect a debt from me for 2 credit card accounts I acquired while in the XXXX. In XXXX I was XXXX due to injuries I sustained during my time there. At that time these accounts were closed with balances of {$1100.00} for account # XXXX XXXX XXXX XXXX and {$930.00} for account # XXXX XXXX XXXX XXXX. In XXXX my entire tax refund was offset to pay the balances of the 2 credit cards accounts, as well as part of a student loan. Shortly after that a representative from XXXX XXXX XXXX contacted me regarding a debt they said I owed which at that time they said was {$2100.00}. I requested documentation proving the amount owed because my tax returns had been fully garnished paying a total of {$3200.00} towards the XXXX XXXX. One on XX/XX/XXXX for {$1800.00} and the other on XX/XX/XXXX for {$1400.00}. I then received documentation from them for a XXXX XXXX whom I had absolutely no knowledge of. After discussing this at length with them they said they were submitting it to the fraud department, however, I then started receiving invoices for 2 credit card accounts with different account numbers and balances stating I owed over {$4000.00}. I contacted them again and tried to explain that the debt was not mine, they advised me that it was being investigated by fraud and that it was going to take time. After researching and acquiring more information I showed them proof that the 2 amounts I owed at the time my taxes were offset was the amount they are showing I owe subtracting the interest they have been charging me for the past 2 years. I have provided them with proof that this debt has be paid, however, while in dispute it's been crushing my credit and they still have a lien against my tax refund so I have not been able to file my taxes for 2 years. Every time I called them they would say it's being investigated and it will take time. Now that I sent the letter and proof the debt has been paid in full they say they are waiting for a response from Army & Air Force Exchange Service and it will take time, but I need to get this taken care of so I can move on.
11/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CO 80817	Web	Servicemember
I am writing to you today to dispute the recent reporting of my Military Star Card account to the credit bureaus. I am not disputing the balance on the account or any individual charge on the account. Instead I am disputing the way the account was recently reported to the credit bureaus. The initial account balance of {$0.00} is incorrect. I have had this particular account for many years and, unfortunately, there has been a steadily increasing account balance from one month to the next. In XXXX of this year, I contacted Military Star Card customer support to ask to have an authorized user on the account removed. I was informed that their system does not allow for an authorized user/card to simply be deactivated or suspended. Instead, the account has to be closed and a new card is issued to the original account holder. I confirmed that today with another call to Military Star Card customer service. What I was not informed of however, was that the closing of the joint account and subsequent establishment of a new account would have a SIGNIFICANT ADVERSE IMPACT on my credit report and credit score. With the change in the account number, Military Star Card reported my initial balance on the account of {$0.00}, but when looking through the history of the account, there has ALWAYS been a balance on the account. In just over one month, because of the way Military Star Card reported the change to the credit bureaus, my credit score went from Good credit with a score of XXXX on XX/XX/2019 to Fair credit with a score of XXXX on XX/XX/2019. My reported balance went from {$0.00} to over {$7400.00} IN ONE MONTH!! This is incorrect, inaccurate, and I demand a correction to the reporting of this information of my account immediately. I have included my XX/XX/2019 and XX/XX/2019 statements that indicate the change in the account number AS WELL AS A DECREASE in the balance of the account. Due to the inaccurate reporting of the change, my credit score, and my ability to receive reasonable credit terms has been negatively impacted through no fault of my own. Sincerely, XXXX XXXX.
12/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23504	Web	Older American, Servicemember
I owed Military Star ( EXCHANGE ) over {$8000.00} about XXXX I had not been able to pay because I lost my job house, went through a divorce on ; y SS benefits, began working called made a payment arrangement. I was advised to pay {$770.00}. before XX/XX/XXXX and made a payment arrangement with the company ( Exchange ) to pay {$200.00}. each month. I paid the {$770.00} on XX/XX/XXXX, XXXX I sent XXXX,. XXXX {$200.00}. to the ( Exchange ) company. The ( Exchange ) company turned the account over to a collection agency without sending them proof of the {$1100.00} payments that had been received or the agreement I paid. When I was contacted by letter I was asked to send proof of the payments made from XXXX thru XXXX I faxed the info over to ( XXXX ) the collection agency for Military Star Exchange. Last month the rep at Military Exchange sent to the Treasury a offset of my social security and now my retirement benefits. When the letter was received from them ( Exchange in XXXX the balance was over {$9500.00} or a little more. however when they reported it now over XXXX. The company ( XXXX ) referred me back to military exchange because nothing is being reported as paid to the credit bureaus as payments or received. I kept my end of the paying agreement however the Military Exchange started an offset I am unable to reach anyone at the IRS to speak about the offset. I agree the debt is mine but the balance is not correct and why I cant get answers about the account the collection agency was not aware payment had been made. Please help if they are taking the offset why did they make the payment arrangements. I would like payments received reported to the credit bureau with my explanations. I would like the balances corrected and for them to send me an audit of the account because it clearly is incorrect. It cant be legal to offset and collect payments from the debtor. XXXX is the collection agency for the Military Exchange I can fax in Proof of the letter I received regarding the balance and receipts of postal money orders paid to the Military Exchange Respectfully XXXX XXXX
10/06/2015	Yes	Credit reporting	Incorrect information on credit report Account status	NC 27545	Web	Servicemember
Hello below is the letter I sent the Military Star card. I was told I was 30-60 day late. I tried to make the payment and there was a glitch in the system making me late. I would not had been late on purpose as I am trying to apply for a mortgage my credit score has drop XXXX points since this incident. I was asking your assistance in removing the 30-60 day late. XXXX : acct # XXXX XXXXInbox xCredit Reporting DisputesXXXX XXXX ( 6 days ago ) Dear XXXX XXXX The Exchange is a non-appropriated fund instrumentality of th ... XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; XXXX XXXX ( 6 days ago ) to CreditGood Afternoon, I would like to thank you for checking on this matter. I am really heart broken that you all could n't assist me in this matter. I felt like I have been let down again by my country. I served this country with proud and dignity, I was injury while doing so. I was unable to work for months and was limited to income, but I tried to pay my bills with what money I had. I never intended to be late on my account therefore I paid as much as possible to keep this account from affecting my credit. I would like to state again I scheduled a payment online via your website to pay my bill for XX/XX/XXXX payment and it did not post. This one incident is causing me and my family to loose out on a dream I have been trying to achieve my entire life to purchased a home. There is know way I would wait until the last month and jeopardized my credit by not making a payment I was inform to make. If there is anyway you can help a XXXX Veteran the time is now for me. I am begging and pleading for your assistance. I am requesting if this email could be sent to the CEO of the company to review my case or if I can have a point of contact to reach He/or She. I ca n't give up on this that 's why I am reaching out to everyone. I have ask my Senator and Congressman I even email the White House to help assist me in this matter. I have a payment schedule for XX/XX/XXXX and I like I said previous I will never be late again. Please help me and my family. Yours Truly
03/14/2019	Yes	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	TX XXXXX	Web	Servicemember
I am corresponding about my XXXX XXXX XXXX, which is a credit account/card administered by the Army and Air Force Exchange Service ( AAFES ). I admittedly fell behind on my bill back in XXXX as I could not find work after retiring from the military after 21 years of service. AAFES began to garnish my military retiree annuity to pay the bill in XXXX. Garnishments were taken in XXXX and XXXX then they stopped. In XX/XX/XXXX, I received a letter from AAFES advising me that the garnishment would start, and specifically states " the amount of the indebtedness is {$11000.00}. I began corresponding with AAFES in XXXX about the debt as I had repaid what I owed, however my annuity was still being garnished. In addition to that, AAFES had garnished my income tax refunds. AAFES directed me to contact " XXXX '' their debt collection agency. I have never been informed in writing that AAFES has secured their services to collect the debt. Additionally, I am unsure of what role XXXX is playing as AAFES has the order in to garnish my retiree pay and AAFES has been garnishing my income tax returns, not XXXX. I sent an inquiry to XXXX and it took two separate requests ( longer than 30 days ) to get a response. In XX/XX/XXXX, I sent a letter to XXXX, courtesy copying AAFES about the balance on the debt. To date, XXXX nor AAFES has responded. In the letter which I will attach, I provided a letter from the XXXX XXXX and XXXX XXXX ( XXXX ) my pay agent, as well as copies of my retiree annuity statements showing the deductions. I demonstrated how the debt had already been repaid, in fact overpaid. I asked for the garnishments to stop, a refund for the overpayments, and asked for proof of XXXX authority to collect this debt since they are not a Texas business. XXXX nor AAFES has responded to this letter as required within 30 business days. Request assistance, prior to my contacting the FTC with AAFES reviewing the letter that was forwarded to them in XX/XX/XXXX, stopping the garnishment, stopping any future holds on my income tax return and refunding the overpaid amount.
06/15/2023	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	VA XXXXX	Web	Servicemember
Dear Consumer Financial Protection Bureau, I write this letter to formally file a complaint and to draw your attention to a matter of utmost concern. It relates to an ongoing dispute with the Army & Air Force Exchange Service and its Privacy and Identity Protection Division. They have neglected to validate, acknowledge, or address My consumer complaint and billing dispute, resulting in a prolonged and unnecessary conflict. As a consumer, I believe I have been unfairly treated and violated My rights. It is critical that your agencies, with the mandate to protect consumers and ensure fair practices, investigate this matter under your cognizance and jurisdiction and take the appropriate action. In the event of any formal action taken regarding this matter, I kindly request to be informed of the outcome. It is My respectful appeal that federal and state authorities and investigative agencies prioritize this matter to ensure due consideration is given to this complaint 's independence, completeness, timeliness, and accountability. In compliance with the Freedom of Information Act ( 5 U.S.C. 522 ) and the Code of Virginia ( 2.2-3700 et seq. ), I, XXXX XXXX, or a representative acting on My behalf, formally request federal, state, and local government agencies to disclose all records relevant to Me about this matter, inclusive of any attachments. I consent to My identity being disclosed as the party seeking this information. This consent grants federal, state, and local government agencies, financial regulators, and law enforcement authorities the power to disclose My identity for suitable referrals as necessary. I reserve the right to submit additional evidence as this complaint progresses or if otherwise required. This request is not intended to constitute a waiver of any claims, rights, remedies, or defenses under the jurisdiction of any tribunal of the United States or the United States of America. Thank you for your attention. Respectfully submitted, I am XXXX XXXX XXXX XXXX Indiana state, All Rights Reserved without Prejudice
09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VI XXXXX	Web	Servicemember
I am a 100 % XXXX XXXX XXXX. Upon my return home from XXXX, I started getting XXXX every day. I was in and out of the XXXX XXXX every day however, my card was being paid. I have been a cardholder of the military star credit card since XXXX. On XX/XX/XXXX, and again on XX/XX/XXXX XXXX category XXXX storms ( XXXX and XXXX ) devasted the XXXX and XXXX XXXX. The town I live in XXXX was devastated. The post office was totally demolished ( these are facts that can be proven. We were without any kind of communication until late XXXX. I made contact with the Military Star card loan department and I was told that my card would be deferred until XX/XX/XXXX. In XX/XX/XXXX, I went online to make a payment and my account was suspended for nonpayment. I made several calls and sent several emails trying to get information as to why I could not access my account. On XX/XX/XXXX, I finally spoke to an agent by the name of XXXX XXXX she was very rude ). All she could tell me was that correspondence was sent to me ( we had no post office until XX/XX/XXXX ). I tried to explain to her that although they sent correspondence there was no way I would have received it because we did not have a post office in my town. Our supplies came through a shipping company and although my post office merged with a post office in another town it was still very chaotic. I started payroll deduction ( I worked for the Federal Government ) and I was receiving numerous calls day and night from a collection agency XXXX XXXX XXXX. The collection agency called me also at my place of work. I reported it to them to no avail. They ignored my emails and were very uncooperative. Fast forward to today, I checked my credit report and it shows my card was paid in full and still showing in collection. I am asking you to please help me fix this issue. I am a XXXX XXXX XXXX who is trying to buy a home in Texas because I am planning to move from the XXXX XXXX XXXX. I served this country during peace and wartime and now I am being treated like I am bothering them. Thank you for your help.
09/09/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TN 380XX	Web	Servicemember
In XX/XX/XXXX I defaulted on an AAFES credit card with a balance of {$6800.00}. The matter was turned over to XXXX for collection. ( I selected the items on this site that best described my issue but it was not an exact match ). XXXX first garnished my military XXXX for 6 months in XX/XX/XXXX. I can not find records of this. They then garnished my wages from my employer XXXX XXXX in XX/XX/XXXX through XX/XX/XXXX. I have evidence of this in my attachments. I started a new job in XX/XX/XXXX and in XX/XX/XXXX XXXX garnished my wages from XXXX XXXX XXXX and are still presently doing so. In XXXX of this year XXXX garnished my military XXXX once again and are now garnishing both my work wages and my XXXX, leaving me no disposable income. All my earnings go to obligations with very little exception. I am attaching the last statement I received from AAFES which shows just last month they collected {$830.00} from me. I have spoken with XXXX on several occasions and they will tell me nothing, simply refer me to AAFES. AAFES told me in XXXX of this year that they show no record of collections from me until XX/XX/XXXX. I am attaching summaries from XXXX that show a garnishment in XX/XX/XXXX and XX/XX/XXXX. AAFES only started sending me statements this year after I complained to them. The original billing from XX/XX/XXXX was for {$7900.00}. In XX/XX/XXXX, they stated my debt was then over {$13000.00}. In XX/XX/XXXX, the debt was still listed as over {$13000.00}. The statements finally started showing a decrease in the debt. I am not sure what I can do to prove all the garnishments but I hope I provide evidence of enough to show that XXXX collected a substantial amount from me without forwarding all they collected to AAFES. AAFES offered me no solace. i was told that they were a government agency and they could do what ever they want and they claim they gave me chance to negotiate. I did receive a notice of this but when I inquired they would not set up any payment agreement. Any assistance you can offer will be appreciated.
10/19/2019	Yes	Credit card or prepaid card Store credit card	Fees or interest Charged too much interest	LA XXXXX	Web	Servicemember
I am a military service member and customer of the Military Star Card exchange credit program. I am stationed in Louisiana and by law under the Louisiana Servicemember Civil Relief Act law RS 29:312, they may only charge me at a maximum interest rate of 6 % while stationed here. Military Star Card has been charging me 11.99-12.49 % and I have been in Louisiana since XXXX XXXX, XXXX. They were notified and they refunded me interest over 6 % in the total of {$200.00} from XXXX of XXXX until XXXX of XXXX and then they put me back at 11.99 % APR. They were supposed to refund all the way back to XXXX of XXXX and leave me at 6 % APR until I transfer from Louisiana to another base in XXXX of XXXX when my orders are up for rotation. Military Star Card attributed it to saying that under the XXXX system I am listed working for the XXXX XXXX. That is correct, but I am not a XXXX XXXX who only works one weekend a month and two weeks a year. I work 365 days a year and train XXXX when they are on orders or drills. The XXXX XXXX is made up of different departments. One of those is FTS ( Full Time Support ) which used to be known as TAR ( Training and Administration of Reserves ). Our department has the same retirement and benefits as the XXXX XXXX XXXX. On XXXX reports it shows me as being under the XXXX XXXX but under my ACTIVE Status it states " Still Serving ''. I provided Military Star Card with copies of my orders to Louisiana that shows my report date and next PRD ( Periodic Rotation Date ) plus my leave and earnings statement showing what zip code I am stationed at and that I am active and I also sent them a copy of the Louisiana SCRA. They are still refusing to comply and are in violation of LA law. I am disappointed that a company that deals explicitly with military members has such low regard for our well being and compliance with our benefits. How many others have similar state and federal benefits that are not being complied with? How much money has MSC overcharge these service members?
02/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	HI 96706	Web	Servicemember
The XXXX XXXX XXXX ( XXXX ) web-site used for managing and scheduling online payments has been and continues to show false information that lead to confusion and ultimately to some of my scheduled payments being late. The initial reason is that they simply don't process payments on the dates that you actually schedule them. So when they do eventually ( 5+ business days ) process scheduled payments, in my case the funds were no longer available in my checking account. The next problem and my biggest issue is that their web-site still shows these scheduled payments as " Posted '' which is misleading and inaccurate because in the end the payments were not actually cleared and processed. This misinformation on their web-site directly resulted in my not catching the issue in-time to prevent a 30+ day late payment. It wasn't until I noticed the minimum monthly payment amounts were literally doubling month over month that I researched the issue, looking over bank statements, etc. and identified this major issue with their web-site. Even their automated phone systems provided the same ( false ) information when I first called to inquire. I've been in contact with a " Disputes Team '' since XX/XX/2019 about the matter, who are only available for contact via email. I've requested that they acknowledge this issue with their web-site as a contributing factor to my payments being late and remove the hit to my credit report but they refuse to accept any responsibility. Since identifying the issue, I've brought my account current by scheduling payments through my own bank 's " Bill Pay '' system to ensure timely payments, which has worked perfectly. Unlike the XXXX web-site, my bank actually processes the payment on the day I schedule it so I don't have to worry about balancing my checkbook on a daily basis just for this one particular vendor that takes an exceedingly longer time than any other merchant to process a scheduled payment.
03/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60660	Web	Older American, Servicemember
I consolidated three credit cards XXXX, Military Star, and XXXX XXXX, thru the Consumer alliance processing corporation two of my cards were paid with no problems but the Military star card was for some unknown reason was transferred to collections after the account was paid off in XXXXXXXX XXXX XXXXXXXX. The account was transferred after the account was paid off. The confusion starts with Military star they cant answer a simple question as to why the card went to collections especially since they had been receiving XXXX dollar payments from XXXX XXXX which was agreed on by a XXXX XXXX XXXX at Military star, on XX/XX/XXXX why my original account ending in XXXX went to collections is the problem. I have been given several different answers by several different associates at Military star and as I have stated nobody has wanted to answer why the account was transferred to collections. Im asking that Military star remove this error from my credit and or send a letter to the credit bureaus stating that their late and missed payments were in error on their part and that they make me whole for causing me to not get a car and a home which due their negative reporting for the last two years I have been being denied credit cards and I have been being denied credit period! I sent all documents, I had consumer alliance call them while I was on the phone as well two different associates stated that the account ending in XXXX was paid in full in XXXXXXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXXXXXX and yet Im receiving negative letters stating I was delinquent in payments which were being sent since XXXXXXXX XXXX XXXXXXXX. As I stated the question to Military star is who and why did my account go to collections thats where you will find the problem. Im currently trying to purchase a house and I need this corrected and removed immediately. I have refrained from bashing this inept company Military star I just want this corrected. Thank you
02/09/2019	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	GA 30087	Web	Servicemember
In XXXX, I received a call from an unknown collection agency stating they were a collector for AAFES/XXXX XXXX. I was unclear who they were as I never received a correspondence from them nor AAFES about any debt. The representative on the phone had a very intimidating and condescending tone and threatened to garnish my wages if I did not make a payment that moment - insisting they have permission to collect payments even if it was an over payment. It was my responsibility to call them for a refund. My next pay check amount was nearly 100 % garnished. I had still never received any written correspondence from either the collection company or AAFES. I also did not receive a pay amount or any correspondence sent to my home. Letters were sent to my chain of command multiple times - that I did not even receive until after the payments were garnished from my paycheck. This means my whole entire command knew of a debt before I knew and BEFORE I could even verify it was valid. I was verbally accused I was not managing my finances from my superior after the letter was handed to me. Even while the payments were being garnished, I received a minimum of 10 calls per day until I was afraid to answer calls from an unknown number. I was also afraid to make any necessary purchases - not knowing how much money would be in my paycheck even if the alleged debt was paid. As it was stated before, it was my responsibility to wait for the collector to call me back and request a refund, then wait for a check to be sent to me. Additionally, my recent knowledge AAFES ' class action lawsuit in XXXX, gave me the courage to speak up about the injustice I faced as a military service member. I believe I was subjected to illegal collection practices from AAFES 's use of administrative offset - a procedure whereby federal payments, such as social security, veterans ' benefits, and tax refunds are withheld to collect debt.
12/06/2016	Yes	Credit card	Identity theft / Fraud / Embezzlement	FL 33173	Web
MILITARYSTAR ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you MILITARYSTAR or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : MILITARYSTAR or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
07/30/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	WA 98387	Web	Servicemember
after my sudden discharge for the XXXX XX/XX/XXXX Myself and Family did experience a long period of homelessness. In XX/XX/XXXXfiled my income Tax for the year and learned it was Taken by the XXXX XXXX without explanation. I did pursue and completed the forms to get the information this is when I discovered That Army & Air Force Exchange Services ( AAFES ), had claimed all my moneys for Non-Tax Federal Debt. I took the necessary steps with the IRS XXXX to find out why. In approx. 30 day I received a Notice From AAFES Their intent to file for payments under the XXXX XXXX. This was after they had already taken action and had made no attempt to contact me in any form. I did acknowledge that I did owe the amount of XXXX. The Dept of the Treasury did send me notice that Four ( 4 ) Different payments were made to them ( Refer to attached ). So the IRS Did pay to AAFES XXXX XX/XX/XXXXand XXXXXX/XX/XXXXof which only XXXX was owed. I have called and sent letters of dispute to AFFES and their XXXX XXXX XXXX which is part of AAFES several times and the amount owed keeps getting more and not corrected. I even pointed out the accounting Errors of where the totaled owed had XXXX accounts already accounted for added back in. I did receive from them an accounting on my account which reflect XXXX unaccounted for. I did send a letter explaining their mistakes and the form from IRS XXXX Reflecting the amounts. They did a investigation and will not change the fact they did receive the moneys, clearing up my account removing the False information from my credit report and to stop further collection actions. They have received an over payment of {$4100.00} and still want another {$2300.00}. This account paid in full XX/XX/XXXX and all interest charges are false, and do not apply. I would like my over-payment of {$4100.00} returned and credit cleared along with a letter directing IRS XXXX XXXX to cease collections.
10/04/2022	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	DC 20032	Web	Servicemember
On XX/XX/XXXX, I received an offer from XXXX XXXX XXXX to settle debt of {$9400.00} for {$2000.00}. Prior to accepting the offer, on XXXX/XXXX/XX/XX/XXXX, I spoke to a collections department representative of the Army & Air Force Exchange Services ( original creditor ) who verified the offer but instructed me to contact XXXX. On or about XXXX/XXXX/XX/XX/XXXX, I spoke with XXXX XXXX of XXXX XXXX who also verified the offer of {$2000.00} to settle the account in full. On XXXX/XXXX/XX/XX/XXXX, I withdrew a cashier 's check for the offer amount and certified mailed it along with the XXXX offer letter and a letter requesting notification of closed/settle account ( Please see attachments ). On XX/XX/XXXX and XXXX/XXXX/XX/XX/XXXX, I spoke to XXXX XXXX, and on both calls she indicated that XXXX has posted the payment to the account, and I will receive a closed account letter in 5-7 days. On XX/XX/XXXXXX/XX/XXXXI did not receive the closed account letter that XXXX XXXX stated. But instead, XXXX sent me another offer letter dated similarly to the first offer letter, dated XXXX/XXXX/XX/XX/XXXX, in the amount of {$7600.00}. Both debt letters are dated XX/XX/XXXX. I spoke with XXXX XXXX on XX/XX/XXXXXX/XX/XXXXat XXXXXXXX who stated that to disregard the letter and that the closed account notification letter was mailed from XXXX XXXX XXXX/XXXX/XX/XX/XXXX, and that I should receive it soon. On XXXX/XXXX/XX/XX/XXXX, I called to XXXX XXXX again at or abouXXXX XXXXXXXX and spoke to XXXX XXXX about in error offer letter that I had received on XX/XX/XXXXXXXX for {$7.00}, XXXX. XXXX XXXX verified that I paid the {$2000.00} and that the debt had been settled and the account closed. She also stated that I should receive my closed account letter absolving from the and that it went out on XXXX/XXXX/XX/XX/XXXX. To This very day I have not received the letter promised by XXXX XXXX absolving me from the debt.
01/30/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 92078	Web	Servicemember
On XX/XX/XXXX I contacted AAFES after XXXX ( my debt negotiation administrator ) let me know that AAFES /XXXX XXXX will not negotiate our account. I explained this to AAFES and requested that i start paying on my account again. XXXX XXXX spoke to me, set up my ACH monthly payments and sent me an email with the Voluntary Payment Plan Agreement. I signed the agreement and emailed it back to BOTH XXXX and the XXXXXXXX email box on XX/XX/XXXX. It states on the agreement that if I don't agree and make payments, they will send my account for XXXX XXXX and take my tax refund. My payments started on XX/XX/XXXX and have come out each month. I did everything that was expected from me. On XX/XX/XXXX I sent them my Hardship package to bring my interest rate back to 10 %. They had doubled my interest rate to 20 % when XXXX was trying to negotiate on my behalf. I have a fax confirmation that shows all pages went through to AAFES. I called AAFES on XX/XX/XXXX to follow up on the interest rate reduction and was told that I needed to call XXXX collections because AAFES sent into to collections on XX/XX/XXXX. AAFES never informed me that they were sending to collections. They had been taking my payment monthly and sending the monthly statement showing my payments. I called XXXX XXXX at XXXX on XX/XX/XXXX and explained all of this. He called AAFES and they told him that they never received my Voluntary signed agreement. I sent him the emails and fax confirmation showing that they are lying. My balance from my statement received shows {$4300.00}. Per XXXX, the new balance with the collection fees is {$5100.00}. I also verified that they're taking my tax refund this week. This is so wrong. I did everything that I was told to. Because they messed up, they're taking my refund and adding {$770.00} to a balance that I was already paying and they've gouged the interest rate. Please help. Thank you kindly.
09/20/2023	Yes	Credit card Store credit card	Other features, terms, or problems Problem with rewards from credit card	VA 236XX	Web	Older American, Servicemember
I have a Military Star credit card that can be used at Army/Air Force Exchange stores and XXXX XXXX XXXX XXXX XXXX I have had the account since XX/XX/XXXX. The card has a rewards program for a {$20.00} reward credit after each {$1000.00} worth of qualifying purchases ( XXXX points for each dollar or each XXXX points ). Im using the card for about a {$1000.00} in purchases every XXXX weeks. The rewards are a big reason I use the card. To begin, I received cards for rewards regularly through the mail. About a year ago, Military Star changed its policy to send the rewards in emails. I began receiving the emails for rewards at first, but, earlier this year I noticed I had not received a reward for an extended period. Admittedly, I was not monitoring the account close enough to pinpoint exactly when the last reward was received, but I believe it was before this summer. I am checking spam/junk files for the emails. Customer Service tells me a reward was issued in XX/XX/XXXX, and, most recently, I made a payment on XX/XX/XXXX, for which a reward should have been issued. I have received neither. I have previously requested that they reissue past rewards that have not expired ( 90 days from the date of issue ) and that have not been redeemed. I dont know what the result was because I have not been able to get that information from AAFES XXXX I have questions about this : XXXX ) How many rewards have been issued since XXXX of this year? XXXX ) How many have been redeemed? Where were they redeemed? I suspect someone may be diverting my rewards emails, and, if thats true, they are probably being redeemed somewhere other than XXXX XXXX, VA, which is where I redeem all rewards Ive received. I have just changed my email contact address on the today in an effort to thwart fraudulent efforts to obtain the rewards. How am I to recover the rewards for which Im entitled?
04/11/2021	No	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	AZ 85379	Web	Servicemember
Army, Air Force and Exchange Service XXXX " AAFES ' ) and/or its representative XXXX XXXX XXXX XXXX XXXX " XXXX '' XXXX are making a series claims of indebtedness against my retired pay account when a set-off was authorized in XX/XX/XXXX which was to continue until the debt was paid in full. The payment towards AAFES ' claim of indebtedness continued uninterrupted from XX/XX/XXXX until XXXX XXXX or thereabout when AAFES and/or its representative TSI began contacting the Defense Finance and Account Service ( " DFAS '' XXXX and instructing them to access my retired pay account to make a series of arbitrary and capricious changes to the monthly deductions schedule by stopping the deduction while also claiming a balance due, lowering the amount of the deduction, demanding additional set-offs. These arbitrary and capricious changes has resulted in the debt period being extended, allowing for TSI and/or AAFES to collect interest and fees over a longer period of time than provided for by the initial deduction schedule but has damaged me by causing my debt to increase, the debt period being extended and extreme mental, emotional distress and financial damage resulting from those actions. Secondly, the Account Statements misrepresent fees charged. The Account statements issued since XX/XX/XXXX indicates that {$0.00} fees were being charged. However, during the call to XXXX on XX/XX/XXXX, or thereabout, I was notified that of the {$210.00} deduction authorized to pay off AAFES ' claimed indebtedness only {$130.00} or thereabout, was being applied towards AAFES ' claimed indebtedness and the remaining amount went towards fees. Thirdly, TSI refused to speak directly to my wife claiming her name was not on the account. But according to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( d ) " ... '' consumer '' includes the consumer 's spouse .... ''
06/17/2017	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	AL 359XX	Web	Servicemember
O n XX/XX/XXXX I called Military Star to see w hy my online payment did not go through o n XX/XX/XXXX like I ha d made on the website. When I called on the XX/XX/XXXX and ta lked to someone to try to find out if it went through, the lady was rude, she asked mine and my husbands name, address, telephone numbers, checking account number, MY military star card number, and asked if I or we were both joint on our checking account. Then she put me on hold for five mi nutes, When she returned she asked if my husband was here and he was not he was driving on his way home from out of state. I asked if there was a problem and stated that I was just trying to figure out if my payment had went through or if I did something wrong. She said her boss said as a one tim e, courtesy they would give me the information I was needing just this one time be cause on the online account it was only listed as my husbands name and not mine on the payment option on the website. She said the payment was set up to come out i n XX/XX/XXXX and not XX/XX/XXXX . So it looks like I accidentally hit the wrong option for the date. I then asked her if I would just need to go back online and re submit the payment and correct the year and she said she could n't give me that information and asked if my husband was around again. I understand completely that they are just doing there jobs and they have all of the protocols they have to go through for proof, but she had asked me everything possible and seen that I was on the account as well and for me just simply wanting to know about if my payment went through or not.I should have not gotten this treatment and she should have not gone around in circles for just the simple information I was needing. This needs to be addressed and the company needs more training with their customer service skills.
05/03/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	HI 96792	Web	Servicemember
The company, XXXX XXXX, is writing fruadulent checks on my behalf using my signature by which I have not authorized. This is the second time they attempted to process the same check after I had a conversation with them on Monday and they affirmed they will not attempt to bill the account in any way, shape or form until the designee or department on behalf of the company that responds to CFPB inquiries contacts me. Yet today, they attempted to process the same check that I did not write which bounced the first time. This company will be reported to the FBI to incriminate the representative ( s ) who attempted to bill the account twice by writing a fraudulent check, even after a representative affirmed this would not take place again. This is fraud, period. I will be pursuing criminal charges and will report this issue to local law enforcement as well using forms designated by my financial institution. Furthermore, I will immediately pursue this with the Army and Air Force Exchange and federal administration divisions in the federal government in an attempt for the Army and Air Force Exchange to cancel their federal contract they have with XXXX. Additionally, I will submit to federal court a petition for a lawsuit against XXXX. I am legitimately in a financial crisis and the only income I receive is from being permanently and totally XXXX. The money they are attempting to take will literally have left us without food and electricity for 30 days with minor children who have medical needs. I am even in the process of attempting to get help to pay my electric bills through a community program and have this very well documented. XXXX has completely ignored my concerns and they will attempt to continue to bill by personal checking account with fraudulent checks. Other avenues must be pursued.
06/08/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 76549	Web	Servicemember
Around XX/XX/XXXX I opened a credit account with the Army & Force Exchange Service ( XXXX XXXX XXXX ). The account was initially in good standing but was eventually charged off. Of course I was aware of the debt but was unable to pay due to my financial circumstances. I never received any debt collection notices from AAFES. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX veteran and I receive benefits from the VA and social security benefits. When I began receiving social security XXXX benefits in XX/XX/XXXX, AAFES began garnishing {$140.00} a month from my pay and never sent me any notice or statement. I had to contact them to receive a statement. Since XX/XX/XXXX, I have not received any correspondence from AAFES. According to the only statement I received my initial balance was {$2700.00}. Between the date of the initial balance and XX/XX/XXXX AAFES has charged me close to {$3300.00} in interest charges. I contacted AAFES to attempt to settle this account on XX/XX/XXXX and was told by the representative to email back on XX/XX/XXXX to see what can be offered. I explained the desperate situation I was in with my family and finances and that it was urgent that this account be settled. I waited as instructed and then was told by the initial representative and a member of management that they will not offer a settlement on my account because they are receiving treasury offset payments ( that guarantees collection of the total balance ). As stated previously, I am a XXXX veteran on a fixed income and the unfair collection of this debt is creating a hardship on me and my family. It is also absurd to be collecting over {$3000.00} interest charges which will continue to accrue while collecting my treasury payments. I made several attempts to contact this company and they refused any resolution.
09/10/2018	Yes	Credit card or prepaid card Store credit card	Fees or interest Charged too much interest	MA 01852	Web	Servicemember
On XX/XX/XXXX, I submitted a request to Military Star Card, to reduce my interest rate to no more than 6 %, per the Service Member Civil Relief Act ( SCRA ). On XX/XX/XXXX, Military Star Card, denied my request because they do not think it applies to me. On XX/XX/XXXX, I discussed this matter with my legal office/counsel, and they agreed with me. They instructed me to submit a request through CFPB for resolution. If not solved, my legal office/counsel will process this case to the Department of Justice. Per the SCRA, 50 U.S.C. App. 501-597b1 as attached, I am eligible for this request because my loan/credit card debt have originated prior to the current period of active military service. I got out of the XXXX XXXX on XX/XX/XXXX, and entered the XXXX XXXX on XX/XX/XXXX. The SCRA applies to me because there was a 12 days break in service. According to the SCRA, the term " period of military service '' means the period beginning on the date on which a servicemember enters military service and ending on the date on which the servicemember is released from military service or dies while in military service. As such, the XXXX XXXX ( XXXX ) service and XXXX XXXX ( XXXX ) service are two ( 2 ) seperate period of military services. Any debt prior to the period of military service ( XXXX ), must be reduced to 6 % and anything paid more than that, shall be credited back. Even though debts were incurred during the XXXX military service, it is still considered debts incurred prior to the current period of military service ( XXXX ). Please read the attached SCRA law for more details, and please be advised again, that my counsel ( XXXX XXXX XXXX XXXX XXXX XXXX ) agrees with this interpretation too. As stated, if not resolved, this case will be processed through the Department of Justice.
03/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32065	Web	Servicemember
Hello I need assistance with an account that is reporting incorrectly on my credit, this account is reporting as a paid collection when in fact it isn't a collection and never was.. I had a military star card that was opened in XXXX in which payment history was great, well I went on XXXX in early XXXX and called to let them know and was told that I would have no payments while I was out of the country, I got back in XXXX of XXXX, called to let them know that I was back in the states and the very next month, I received a credit alert saying that a new collection was added to my credit in which it was from Military Star Card. At that time I honestly didnt know how to start working on my credit so it sat on my credit for awhile as I was a working father and spouse. Well in XXXX I really started to research how to go about fixing my credit and I ended up contacting Military Star Card in which I spoke with 2 people, stated my case, they looked into it and verified that I was in fact correct and they told me that they would get it updated for me with all 3 credit bureaus as ''Paid In Full and Paid as Agreed, I was told that it would take 30-45 days to reflect and that was in XXXX of XXXX till this day the account still hasn't been updated and I'm extremely frustrated by it. I'm asking for help in getting my account updated correctly as I'm sure you understand that this false reporting has gotten me denied for credit for something that was out of my control! I will attach all documents below and by the way I have disputed this account on numerous occasions since then and have not received any correspondence or communication, I disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, at this point you're my only hope in helping me fix this. Thank you
10/13/2016	Yes	Credit card	Payoff process	WA 98312	Web	Servicemember
XX/XX/XXXX, The " Take It Home Credit Card '' program was discontinued. I continued to pay my balance, unable to charge anything to the credit card. XX/XX/XXXX I paid {$2900.00} with a remaining balance of {$710.00}. In XXXX I started an automatic payment of {$50.00} per month and have continued to pay monthly. XXXX, I received a bill of {$200.00} with {$100.00} past due. I contacted the exchange program via phone and they told me my minimum payment has been {$100.00} since XX/XX/XXXX. They said that the minimum payment due was calculated from the last time something was purchased, and the only way to reset the minimum payment due would be to purchase something on the card, although discontinued. Then they stated that I was unable to reset my minimum payment due. From XX/XX/XXXX to XX/XX/XXXX, I have paid a total of {$3400.00} to the account. If I had just paid minimum payments from XX/XX/XXXX to XX/XX/XXXX, I would have paid {$1000.00} in total. This does not seem fair since the total owed right now is {$290.00}, and they are asking for XXXX of the total remaining balance ( {$200.00} ). It is also unfair because I am not able to reset my minimum balance based on what is owed, and the company claims they are unable to do the same because it would be " fraud ''. How is it they can set the payment based on the total balance since my last purchase, but they ca n't set it based on the remaining balance and what is actually owed on the account? Another thing the company said is that you can only prepay up to 6 months and then they start requesting the minimum due automatically and this ca n't be changed. Would n't the money I have been paying since the large prepayment count towards repayment as well? None of this seems legal or fair to the consumer.
07/27/2020	No	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MT XXXXX	Web	Servicemember
This complaint is in regards to inaccurate credit reporting from XX/XX/XXXX to the date of this complaint. The debt which is the matter of this dispute is a credit card debt with the Exchange Credit Program ( Military Star Card ). On or around XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX ( XXXX ), a debt collection agency to which the Exchange Credit Program had assigned my credit card debt, to pay off my debt in a lump sum. I was told that my current balance was {$2500.00}, which I paid over the phone during the conversation ( copy of the check attached for reference ). In mid-XXXX, I contacted XXXX regarding inaccurate credit reporting because my credit report showed a {$40.00} balance and the debt showed as " past due account in collections. '' XXXX 's customer service representative assured me that the information would be fixed to reflect accurate reporting showing a XXXX balance and that the account was paid in full. On or around XX/XX/XXXX, I contacted XXXX again with the same concern because the account was still showing as {$40.00} past due in collections. This time, the collections agent told me that the {$40.00} was, in fact, a credit for " overpayment '' and that I should receive a check from the Exchange Credit Program for {$40.00}. On or around XX/XX/XXXX, I received a check from the Exchange Credit Program for {$39.00} ( attached for reference ) ; however, the account still shows as past due {$40.00} with a collections agency. On XX/XX/XXXX, I contacted the Exchange Credit Program, the collections agent repeatedly ignored my concerns regarding the inaccurate credit reporting. My main concern in this matter is not the {$40.00} but rather the eight months of inaccurate credit reporting in violation of both the FDCPA and the FCRA.
02/06/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	AP XXXXX	Web	Servicemember
I believe that the company misunderstood what my complaint was the first time. I only used my card when waiting for my debit card to arrive. When I did use I paid it off as soon as my debit card came in. ( No more than 1 week ). This occurred initially in XX/XX/2016. In this case I went in to pay my bill as soon as I received my debit card IN-PERSON by going into the local aafes base exchange. I paid the amount in full because I know I used my card recently and then I shredded it because I knew I wouldn't be using it after my debit card came in. Next month I received a bill saying I had money due. It didn't make sense, so I immediately went into the base exchange. I went in the next day and they told me that I already paid my balance and I had a balance of XXXX dollars. I told them I received a bill that said I had a balance. I figured that it was an old bill balance just talked to them and they realized they made a mistake to begin with. I did not receive statements for several months after that, for good reason, I assumed since I hadn't used my card. After 8 months I received a call from my flight commander and said I had a bill due with accumulated interest. I went back to aafes and told them exactly this. They were helpful and apologetic. They called star card department for me. I talked to a guy that was not willing to help at all. He was very hard to deal with, but I was finally able to pay my bill with acquired 8 months of interest. Whether the mistake came from aafes employees, the military star card company, or the XXXX XXXX, I am became a victim without any opportunity to help myself. This severely hurt my credit since I have never owned a credit card before this and it is preventing me from owning a basic level credit card at all.
03/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32065	Web	Servicemember
Hello I need assistance with an account that is reporting incorrectly on my credit, this account is reporting as a paid collection when in fact it isn't a collection and never was.. I had a XXXX XXXX XXXX that was opened in XXXX in which payment history was great, well I went on XXXX in early XXXX and called to let them know and was told that I would have no payments while I was out of the country, I got back in XXXX of XXXX, called to let them know that I was back in the states and the very next month, I received a credit alert saying that a new collection was added to my credit in which it was from XXXX XXXX XXXX. At that time I honestly didnt know how to start working on my credit so it sat on my credit for awhile as I was a working father and spouse. Well in XXXX I really started to research how to go about fixing my credit and I ended up contacting XXXX XXXX XXXX in which I spoke with 2 people, stated my case, they looked into it and verified that I was in fact correct and they told me that they would get it updated for me with all 3 credit bureaus as ''Paid In Full and Paid as Agreed, I was told that it would take 30-45 days to reflect and that was in XXXX of XXXX till this day the account still hasn't been updated and I'm extremely frustrated by it. I'm asking for help in getting my account updated correctly as I'm sure you understand that this false reporting has gotten me denied for credit for something that was out of my control! I will attach all documents below and by the way I have disputed this account on numerous occasions since then and have not received any correspondence or communication, I disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, at this point you're my only hope in helping me fix this. Thank you
05/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30080	Web	Servicemember
In accordance with the Fair Credit Reporting Act, The reporting of the Account listed as : MILITARYSTAR XXXX on my XXXX and XXXX Credit report has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 USC 6801 states that Credit Reporting Agencies have an obligation to protect non public personal information 15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions the FCRA states that companies are obligated to maintain accuracy of all items reported. The information in this account are not only constitutes " non public in personal information '' and they have been reported INACCURATELY. Multiple details including the balance amount as well as the date of the account openings are reported differently on the XXXX report and the XXXX report. XXXX does not even have a record of this account existing at all. The reporting of this information has damaged my ability to acquire funding and has greatly impacted my mode of living. The reporting of this information without my expressed written consent constitutes a violation of 15 U.S.C 1681 section 602. I also never received any communications or disclosures informing me of by ability to opt out of these reports. 15 U.S.C. 6802 B states that reporting company is required to send me the aforementioned communications ; The lack thereof constitutes a violation of the FCRA. I have communicated in writing several times with company and they have failed to comply with my written instructions, as well as failed to provided details of the results and methods of investigation in an investigative report as required by 15 U.S.C 1681 ( b ) Disclosure on request of nature and scope of investigation.
05/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 98444	Web	Servicemember
Good morning Ms. or Mr., I am currently in the XXXX and purchased a XXXX at the military exchange on XX/XX/XXXX. It was on promotion that offered 0 % interest and no payment for 12 months. Considering my credit utilization and income-to-debt ratio, I took the deal because I would have more room to make a monthly payment by the time the payment starts. I noticed that the full balance was outstanding and it says I missed the payment due in XX/XX/XXXX. I called the customer center and they said there was nothing they could do, but they admitted that I was right on the promotion. They said the reason I was delinquent was that I did not stop auto-payment which I set up to prevent late payments since the day first I had the military star card. I wanted them to confirm the promotion in the time frame where I purchased the laptop and the manager at the customer center emailed me with the information ( Please, see attached ). However, the balance was still outstanding, and eventually, it started hitting my credit record. I remember I called them back in late XXXX or early XXXX and told them that it starts hitting my credit record and I want you to fix and stop reporting this. However, they told me to reach out to their headquarters which I did, and haven't had anything back from them ( Please, see attached ). Now, all three credit bureaus were reported and I am delinquent. As you can see on my credit reports, I have never missed any payments. I know what and how I spend my money and this is unfair for a customer to spend time and effort disputing and be suffered mentally. I wish you can help me to recover my credit reports and scores, and stop AAFES to report false information about my credit disciplinary. Thank you
12/01/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	AL 365XX	Web	Servicemember
On XXXX I contacted AAFES Military Star Card to find a resolution to my owed debt. I spoke with a woman For approx. 24 minutes asking questions such as if my account had been closed, what the options for a settlement were, etc. She brought up that if the Debt remains unpaid that they would begin to garnish my retirement. I told her that I was XXXX retired and receive VA XXXX compensation due to a Service Connected XXXX and was not receiving that in lieu of retirement benefits. She put me on hold and spoke with her colleague/supervisor and came back to notify me that they will garnish VA XXXX compensation. I tried to inform her that Public Law 95-30 does not permit garnishments like that and I was told, paraphrased, " if you read that, its general, and we can and will garnish VA benefits. '' I gave up and ended the phone call and proceeded to email the collections dept. at AAFES as she had suggested to potentially reach a settlement ; she did however inform me they usually don't do settlements until it has reached the third-part collections agency. I emailed the company right after our phone conversation and gave a brief overview of my situation, my recent phone call, and my reason for a settlement request ; I was ignored. on XXXX ( the following day ), I get a notification from XXXX that there has been a change to my credit file as follows : Change : Major Derogatory Account ; Company : MILITARY STAR. I believe this change was submitted and made due to my attempt to settle the debt and phone conversation. I believe that these tactics are predatory and they are threatening to garnish exempt income against federal law. They are bullying Consumers, specifically military affiliated consumers, into paying debt.
10/02/2020	No	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NY 12553	Web	Servicemember
On XX/XX/XXXX I was honorably XXXX from the XXXX XXXX, unfortunately I was not able to find employment fast enough to keep my Military Exchange Credit Card active. This account is allowed for military personal who can shop at any military exchange ( store ) AAFES, MCX, NEX etc. I am being charged a collection fee on top of my debt and interest ( understandable ) with the Military Exchange, these fees are {$1000.00} 's of dollars on top of the original debt. I've asked for numerous statements and have finally received one for XX/XX/XXXX. In the attached statement you will see that only {$310.00} have been accepted, however you'll notice my personal checking receipts equating to {$370.00}. This has happened every time I've made payments on the account. Almost as if they're stealing the Military Exchanges and my money, as the statement from XXXX shows on pg 1 {$310.00} in payments and {$0.00} in fees. I can not provide exact amounts as XXXX XXXX is only directing my calls to XXXX XXXX XXXX whom has not called me back. On XX/XX/XXXX I submitted a claim to FederalReserve.gov to help on this matter, XXXX had told me they would provide statements, and that the fee is not able to be removed. I feel that this is in violation to the Fair Debt Collections Act 15 U.S.C. as I never agreed to a collection fee nor would any human being on the planet. I own up to this debt and as such have made numerous payments, but with this type of theft my debt will never be paid in full. This fee is not a fee due to charging by checks or debt. No explanation to an agreement on this fee has been sent or agreed upon. I've also contacted the written correspondent which the billing statement shows to contact and they have no idea why.
02/16/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 782XX	Web	Servicemember
XXXX Systems XXXX XXXX This collection agency took the debt over of my military start card. On XX/XX/XXXX, XXXX rec 'd a letter informing me the debt was {$13000.00} and a monthly payment of {$570.00} as agreed on would come out of my bank for XXXX XXXX which would equal {$13000.00}. This is more than the debt on the payment notice. On the account summary from Military star card, on XX/XX/XXXX the debt was listed as {$10000.00}. I rec 'd a copy of account summary on XX/XX/XXXX as i had been locked out of the military star account and started noticing discrepancies b/w the military star monthly statement and the XXXX monthly account statement. When I called in XX/XX/XXXX to verify the payment plan had stopped, I was informed I still owed {$8400.00}, and the XXXX payment plan was just the length they can set payments up and the amount is more because they charge fees and there is interest added. I agreed to start paying {$1200.00} to get this paid in full. However, I started noticing each statement from the military star card had different amount owned than the statement from XXXX. Again, I called and was told this is due to interest and their fees and the debt can change at any time. I did request during that call an account summary. As of XX/XX/XXXX military star card statement reports the debt as {$3400.00} and XXXX statement reports the debt as {$4000.00} which went up from the amount, they reported in the phone call which was $ {$4000.00} still owed per XXXX. As of date, I have paid this company {$15000.00} well over the original debt told to me and they have me still owing {$4000.00}. I have all of the documentation and bank statements. Additional files upon request.
03/14/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 94503	Web	Servicemember
I have been receiving bills from both the Army and Airforce Exchange and XXXX XXXX XXXX regarding debts on a XXXX XXXX Credit Card and a " Take it home Today '' Joint Loan with my spouse. Correspondence started in XXXX or XXXX 2017, and both companies have conflicting amounts listed as owed. It almost seems as if they are both trying to collect different amounts for the same debt. In addition, I sent them written correspondence in XXXX of 2017 requesting validation and proof of the debts as I had paid significantly more than what they were listing as owed. I received no response, only continued collection letters from BOTH companies. They recently took both my wife and my tax return from this past year ( in excess of {$9000.00} ) yet, there is still significant balance owed according to their website ( $ XXXX, and $ XXXX ). They only show the payment from my tax return on their site, but show no application of that tax return towards the balance of either debt. They also sent a letter of intent to garnish my wife 's wages for a debt of $ XXXX. I am a XXXX XXXX XXXX veteran who has been unemployed for over a year now. I have not been successful in obtaining any employment over the past year. My family and I rely on food stamps and school assistance to fee our children and my wife 's income is well below the federal poverty level. We can't get double food stamps when these crooked companies garnish my wife wages and she makes less than minimum wage ( which ill be the result of any wage garnishment. ) I would hire a lawyer, but they cost money, and that is obviously something that we do not have at the moment. Any assistance would be greatly appreciated.
03/27/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	VA XXXXX	Web	Servicemember
Dear Sir or Madam : I am writing to lodge a formal complaint against the Army & Air Force Exchange Service ( AAFES ) for initiating an improper involuntary allotment of {$280.00} with the DEFENSE FINANCE AND ACCOUNTING SERVICE ( DFAS ), scheduled to begin on XX/XX/2023. I have not received any response to my notice of dispute and billing error dated XX/XX/2023, citing the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1601. As a victim of fraud, identity theft, and mishandling of my legal name, my Social Security account number has been traceable to federal and state government agencies systems of records and actions. This unfortunate situation has significantly impacted my financial well-being and credit standing. The repercussions of these criminal activities have caused considerable distress, and I have been actively working to rectify the situation, engaging with law enforcement, credit bureaus, and relevant government agencies. I am committed to resolving this issue and protecting my financial integrity. While I acknowledge that valid financial obligations are expected to be paid timely, the aforementioned fraudulent activities have resulted in erroneous financial obligations being attributed to me. Despite expressing a willingness to fulfill any valid financial obligations, AAFES has failed to respond to my notice requesting the corporations legal status of the payee identified on my billing statements and credit reports. More importantly, AAFES has not explained why the payee placed in the make check or money order payable to on the billing statement appears to be a non-existent entity. Please see attached documents for further details.
02/13/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 31405	Web	Servicemember
Military Star Card The Exchange XXXX XXXX XXXX XXXX, OH XXXX Account Number : XXXX Name on account : XXXX XXXX I have a MILITARY STAR credit card. On XX/XX/XXXX, I paid the balance left over from {$6800.00} high balance to {$00.00}. No matter the payment amount, Military Star Card has not updated the balance on any of the 3 major credit bureaus files. On XX/XX/XXXX, the balance on this credit card was {$6800.00}. Below are the following payments I have made since, totaling {$7000.00}, yet, Military Star Card sometime known as myecp.com has not updated my credit report, indicating a reduced balance of {$00.00} since XX/XX/XXXX. This has seriously hampered my ability to acquire credit without securing it with my own money. In addition, it has dropped my credit score over XXXX points in XXXX, XXXX points in XXXX and XXXX points in XXXX. What is being reported to all XXXX credit bureaus is that the credit card is maxed out at {$6800.00}, even today, XX/XX/XXXX, with no reflected any payments. Below are the payments that I have made. In my credit card file at myecp.com, it's reflecting the {$00.00} balance but Military Star still has not updated either of my 3 credit reports. XXXX, XXXX and XXXX all show that there is a balance of at least {$6800.00} as of today. XXXX XXXX Payment - Thank You - {$1900.00} XXXX XXXX Payment - Thank You - {$4600.00} XXXX XXXX Payment - Thank You - {$190.00} XXXX XXXX Payment - Thank You - {$190.00} Total Payments made since XX/XX/XXXX is {$7000.00} Immediately, Please have Military Star, myecp.com correct this and XXXX out the balance reflected in all 3 of my credit reports.
04/27/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	VA 224XX	Web	Servicemember
I am retired XXXX member with a account in Army and Air Force Exchange Service Collections Dept. I have been in a financial hardship and in financial dire straights since garnishment of my XXXX benefits began from AAFES back in XXXX XXXX . I only have my XXXX XXXX pay and XXXX Benefits to live off. I have not been employed for the past 2 years Since my balance is well below my original Military Star account credit line of {$5000.00}, however, AAFES is continuing to garnish my pay XXXX Benefits for {$240.00} per month plus charging interest on a non active closed account. The company is causing me a serious financial hardship. I am not asking for the collection to stop, just for a account adjustment on the monthly collection payments now that my balance is now only {$2500.00}, Can you please authorize normal monthly credit card payments based solely on my current balance, as the credit card payment center would normally charge? The current of {$240.00} be collected is causing a extreme financial hardship, my balance has come down, however, I have bad payment history because simply I have no incoming affordable income to to pay account off. I am requesting one of the following : Sell my current loan account to another finance agency, institute regular credit card payments on my current balance, authorize a lower payment, lower my interest rate, or just simply accept what I can mail in for payment, but please stop the collection garnishment. As of right now, now I can only afford to pay a normal credit card payment based on my actual current balance until I gain reasonable employment.
07/19/2017	Yes	Credit card or prepaid card Store credit card	Fees or interest Charged too much interest	SC 29154	Web	Servicemember
Opened a Military Star card in early XXXX. Lost my job XX/XX/XXXX could no longer make payments by early XXXX. Company was charging 2 % interest on uniforms and 12 % interest on all other purchases. Company charged-off balance of {$6600.00} in XX/XX/XXXX. Last charge/usage was XX/XX/XXXX. Account turned over to a collection agency XX/XX/XXXX, XXXX XXXX XXXX. Star card added collection costs to the balance and has continued to accrue interest, now at a much higher rate, since charging it off. I was out of work for 18 months and could n't make payments. In XX/XX/XXXX, I made a payment of {$100.00}. In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, they confiscated my Federal income tax refunds of {$540.00}, {$150.00} and {$230.00} respectively. I had an attorney make a request in XX/XX/XXXX for a copy of my original contract. Last week I received documents from them that were incomplete and would not be considered " the contract ''. My attorney says she has not been provided enough information by them to know my standing on this matter. She has found the " Military Exchange '' ( Military Star Card ), to be generally unresponsive. She sent a request to settle on XX/XX/XXXX, in the amount of {$6000.00}, which she still has not received a response. I believe that the interest that is being charged ( accrued ) is not legally permissible. They now claim that as of XX/XX/XXXX, I owe {$10000.00}. There is a three year statute of limitations for this type of debt. This limitation expires XX/XX/XXXX. They claim that I made a voluntary payment in XX/XX/XXXX. I did not. They confiscated my Federal income tax refund.
11/18/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	HI 96734	Web	Servicemember
The Military Star Card is the most confusing and disorganized card I have ever used in 45 years of using credit cards. 1. When promised a " first time use '' 10 % discount I had to call multiple times to get the correct credit. They said we don't give the credit until the product is delivered ( washer/dryer ) but yet gave me a credit for a gas purchase and claimed I'd already been given a credit. I spent 2 hours on the phone explaining this, 2. I put in a written complaint to dispute a charge for product I have yet to receive but was told they have 90 days to respond. In the meantime, Ive had to pay for the product. 3. I signed up for autopay and they charged me a {$15.00} fee because they said my bank refused the request, but yet I somehow had a credit for the bill I supposedly didn't pay. 4. After paying my bill and seeing a credit ( from the bill they said I didn't pay ) I asked for a refund of the credit ( {$67.00} ) but was told, " we don't see the credit on our end. but it appears on the customer 's website. 5. When I finally closed the card, I was asked if I wanted to take a survey, I did, but then the agent I was speaking to said the " survey system is down ''. Seems like a convenient coincidence. 6. There are a few other issues but I think you get the point. This card is directly marketed to military service men and women. If a 45 year veteran of credit cards is having problems, I am sure a young person who has less experience is having problems. I have had more problems and been on the phone more times with this card in 30 days then all other cards Ive had in a life time combined.
06/14/2016	Yes	Credit card	Billing disputes	NJ 077XX	Web	Servicemember
Late Payments Being Reported : 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX The above mentioned account is being reported as severely derogatory on my credit report. After several statements and confusing correspondence I do not believe that this account is accurately being portrayed on my credit report. I have strong reason to believe that some of the information that is being reported on my credit report is inaccurate. So to clarify the accuracy of the reporting of this account I am formally requesting the following information that is being reported : 1 ) Original Note to ensure the accuracy and legitimacy of the date the account was opened, account number, and terms of the interest and penalties that were originally agreed to. 2 ) Payment History of the account for the entire duration of the note to review the application of payments to their proper destination 3 ) List of charges and fees especially those assessed after the charge off status on the account 4 ) Date of actions taken on this account including but not limited to the dates of the charge off status, correspondence sent to me regarding the charge off action, and collection activities 5 ) List of the dispute instructions sent to you by the credit bureaus from my dispute letter 6 ) Date of payments and statements that were sent. 7 ) All address change requests and the fulfillment of the payment change.
10/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 316XX	Web	Older American, Servicemember
Since filing chapter XXXX in XX/XX/XXXX, all three credit reports were correctly reported for my account with XXXX/XXXX XXXX, which was included in bankruptcy. Beginning in XX/XX/XXXX, only the XXXX report was changed from bankruptcy status to charged off/collection status for my XXXX XXXX account. I contacted XXXX XXXX XXXX two months ago to request that my XXXX credit report be updated from charge off collection/skip status effective XX/XX/XXXX to correctly report account as included in chapter XXXX bankruptcy. The XXXX XXXX account was removed from my XXXX report twice in past two months, but again on XX/XX/XXXX, the account is showing charge off collection/skip status, resulting in a 80-point drop in my credit score due to a COLLECTION for {$5100.00}. Since the bankruptcy trustee began making additional payments to XXXX around the same time this problem began, it appears that my XXXX XXXX account is included in some type of automated monthly reporting system which provides inaccurate information to XXXX. Since being removed from XXXX, the collection status information has re-posted to XXXX three times during the first week of the past three months. XXXX advised me to dispute with XXXX ( copy of email attached ). I have disputed with XXXX previously with no success -- only XXXX can update my report. If my XXXX report continues to show unlawful information for my XXXX XXXX account, which is included in my bankruptcy case, I will be filing a civil lawsuit for violation of Fair Credit Reporting Act and violation of Federal Bankruptcy Laws. My patience has run its course!!
09/07/2020	No	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	MD 21224	Web	Servicemember
I have been contacted by this collection agency at least three ( 3 ) times this year in which the agency told me contradictory information and then made excuses for it, was berated by staff, was prey to attempted coercion for collection of personal information an attempted intimidation. The credit card is a military issued credit card that was explained to me be the agency to have different rules then regular credit cards so the actions they were taking were legal according to them. The amount quoted to me as owed to them for collection was not clearly explained even after questions were asked. The amount owed also varied up and down between times of contact and differed from paper bills always. One of the agents I spoke with attempted to berate me for not understanding responsibility and tried to explain how the government works. This agent also quoted me a very low payoff amount which later changed. Another agent on a different day made excuses for the previous agent stating they were new at their job which is in no way pertinent information. The most recent agent harassed me for at least thirty ( 30 ) minutes trying to coerce me into giving personal information pertaining to my finances that was not directly related to the debt. They also used strong language to express their dissatisfaction with my handling of their tactics. Eventually the agent was so frustrated they hung up on me. I have been actively attempting to settle or erase this debt these past few times speaking with the collection agency however they purposely seem to be making that proposition difficult.
02/24/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	AE XXXXX	Web	Servicemember
This complaint is regarding the online payments system for the Military Star credit card, offered through AAFES ( Army and Air Force Exchange Service ). The online payments through their website are restrictive, which I can only assume has the intent of creating missed payments and interest owed. Specifically, you may only make a single one time payment per billing cycle. This was the error message when I tried to pay my balance : " Our records indicate you already made a payment this billing cycle. To make another payment before XXXX, please visit store customer service or make a payment via your bank provider '' Their recurring payment options were similarly restrictive, lacking an option to pay the full account balance. The offered options were minimum balance, previous statement balance, or a set dollar amount. On calling their customer hotline for more information I was told that I can make payments over the phone or in store at any time, but may not make more than one non-recurring online payment per billing cycle. They clearly have the capacity to process these payments, but want to make it more difficult and time consuming to do so. While these decisions they have made are ultimately minor and probably not illegal, I certainly find them to be unethical. I can think of no reason to restrict payment on credit card debt other than to generate missed payments and interest charges. This is especially troubling in the context of a lender that does business exclusively with the XXXX XXXX, a group that is particularly vulnerable to predatory lending practices.
03/08/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 92115	Web	Servicemember
The debt collector, XXXX XXXX , XXXX notified me at the end of XX/XX/XXXX that they were going to intiate a wage garnishment on me for failure to pay the debt. They informed me in a letter that I had the right to request a hearing that would be considered before a hearing official. The collector stated that if I requested the hearing within 15 days of receiving the notice that no further action would occur until a decision is made by the hearing official. I wrote back to the collector and filed out the form they sent me to request the hearing. My request was received by them within the 15 day time limit. In XXXX I obtained a lawyer to represent me in the matter. When my lawyer contact the collector by phone they told him that the hearing had already occurred and that they called me. However, I never received any notice of such hearing nor was I ever informed of the date of time of the hearing. I have since written a letter asking the collector why I was never informed of when my hearing would be and my lawyer at the time was never notified. Now I have received statements showing that more interest charges are being added to the debt. I have not been afforded my legal rights as they represented to me in writing and now the collector is making it appear that I did not show for my hearing when I was never notified of the hearing. I would like this investigated because as far as I am concerned the collector did misrepresented themselves and the who fact of my right to request a hearing. I feel that this collector is in violation of my consumer protection rights.
08/22/2017	Yes	Debt collection Credit card debt	False statements or representation Indicated you were committing crime by not paying debt	VA 223XX	Web	Servicemember
I have been contacting/attempting to contact XXXX XXXX of XXXX XXXX XXXX. Since XX/XX/XXXX. I left countless messages, called endlessly and never received a call back. I was told by customer service since I previously filed a complaint no one other than the assigned manager is allowed to speak to me. I finally spoke to her early XX/XX/XXXX after making at least a dozen calls. At the time we spoke my treasury payment had been intercepted. I explained to her my savings bond redemption had been offset for the amount of ~ {$1800.00}. She told me the credit was not yet applied to my outstanding balance. I asked her to contact me when it had been processed and I also asked to make a settlement offer of {$7000.00}. On XX/XX/XXXX XXXX left me a voicemail. She claims AAFES returned with a counter offer of {$15000.00}. She also suggested I provide her all of my personal financial information to apply for a hardship dismissal of the debt. I asked her to mail me the offer letter and I would review it. I received the letter XX/XX/XXXX. I was told by XXXX that offers have a 60 day payment period, she sent me a notice that payment is due in 30 days. I was also told by XXXX that she would list my original offer on the letter, but that is missing. XXXX told me this debt could be collected indefinitely even after I asked about the 10 year statue of limitation. She used that as an intimidation tactic and falsely implied that by giving her all of my financial information it could help with a new settlement amount. That information was omitted from the correspondence I received.
06/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37128	Web
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report. I have placed multiple disputes and complaints, and police reports with these companies, but these companies continue to show neglect by refusing to remove the accounts. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items. If the accounts are not removed a federal charge will be filled against the following companies " XXXX ", " MILITARY STAR ", " XXXX XXXX XXXX. This charge may lead to a lawsuit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX https : //www.justice.gov/atr/citizen-complaint-center
02/17/2020	Yes	Credit card or prepaid card Store credit card	Incorrect information on your report Information is missing that should be on the report	CO 809XX	Web	Servicemember
I have this account since I joined the Military back in XXXX. I never had this account on my credit report but recently I missed a few payments and now they are reporting derogatory on my credit report. I called them on XX/XX/XXXX to ask why my account is closed and why it is reporting negatively. I was told in an email that my account was active and is able to be used for charges. Dear XXXX XXXX, Thank you for contacting our office concerning your MILITARY STAR account with the Army and Air Force Exchange Service ( The Exchange ). A request has been submitted to remove the ACH payment restriction on your account. Your account is active and can be used to make charges. Payments may be made by cash, debit card, check or money order at any local exchange. Customers may also schedule a bank draft, or mail their check or money order directly to : EXCHANGE SERVICE XXXX XXXX XXXX XXXX, OH XXXX Please make sure that you include your account number on the check. If you have any further questions or concerns, please feel free to contact our 24/7 Customer Contact Center at XXXX, or via email at XXXX. Respectfully, XXXX XXXX. The Military Star Email Team Army & Air Force Exchange Service XXXX XXXX Visit our online store! www.shopmyexchange.com I was told by the representative that my account was closed because I used a bill consolidation agency incharge. I have always been in good standing with this account. They even took money out of my paycheck without my consent or awareness back in XX/XX/XXXX. I am caught with all past due payments.
05/30/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32244	Web	Servicemember
I had a military star credit card with AAFES while I was XXXX XXXX. When I separated, I experienced a financial hardship when I left my husband due to extreme circumstances. I started to get letters from XXXX XXXX XXXX in the mail. I immediately began attempting to contact them, and have never been successful. I have used their website to send messages, contacted them via e-mail, called by phone multiple times, even left voicemails with my name and phone number. I can prove all of this. Despite my efforts to make payment arrangements multiple times, my tax refund was garnished, which paid most of the debt. Now, XXXX is attempting to collect way more money than I actually owe. My statement with AAFES comes regularly, and as of today ( XX/XX/2019 ), it shows {$2900.00}. Yet, I got a letter from XXXX saying I owe {$3400.00}. This is absolutely unacceptable and a lie. Interest is already charged by the AAFES. I have read multiple complaints about XXXX taking far more money than owed by veterans. I, yet again, attempted contact via website message as well as phone and voicemail. Depsite this, I recieved a letter from my employer stating 15 % of my pay will be garnished starting next month. I am a full time working, XXXX XXXX XXXX, mother, XXXX, and a veteran of the XXXX XXXX. I really feel that this company is out to get me and when I start losing 15 % of my pay, I will be in extreme financial hardship. I understand I owe the money, but I have been trying to pay it. I'm not sure what else I could possibly do. Someone PLEASE help me.
06/29/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CO 81501	Web	Servicemember
I submitted paperwork for the Exchange Credit Card program, on the afternoon of XX/XX/XXXX the fraud supervisor XXXX called me to gather more information. I explained to her I did not have the card nor even used the email address which was on file with the company. She was supposed to change the email, but later on, I found out they sent the final results of their investigations to the old email which I do not even use. Luckily I called them and they sent them over again. Their findings were that a temporary card was present at the time, if I had used this card I would not have needed a temporary card as it was mine. Second current charges reflect prior spending pattern and location. Of course, the same pattern and location were used as whoever had my card using the exact same location. Then apparently they also used it at XXXX XXXX during these times the card was being used I was over XXXX miles away from where they were used. I explained this to XXXX as well and she apparently didn't even take any of this into consideration. Also, in the attached receipts they sent to me there are two completely different signatures, even different from the signature which I provided to them. So in less than XXXX hours they had made a decision and did not even investigate anything more from the information I have provided them. Nor even compared the signatures with the signatures I provided them as there is a big discrepancy and noticeably different in all three, even the two which were provided on my card were different from each other.
03/16/2020	Yes	Credit card or prepaid card Store credit card	Other features, terms, or problems Other problem	FL 331XX	Web	Servicemember
This complaint is with the Military Star Card. This organization services only Military Families. We made a purchase through the Military Star Card at ShopMyExchange.com for a bed that cost us {$4500.00}. The bed did not suit us and we requested a pick up and refund within the exchange guidelines. This process by itself took a long time. The Bed was picked up on XX/XX/XXXX. We were not able to request a check to be sent to us because it was in " Possessing ''. Finally ( 4 weeks of processing time later ) on XX/XX/XXXX, we were able to request the credit as it was transferred back to our Military Star Card. I was told that it would take about 7 business days to get to us. I called today ( XX/XX/XXXX ) and was told that the check was sent out for approval on XXXX and that it was sent out on XX/XX/XXXX. We are now on our 7th week since that bed was picked up from our home and 2nd week since it was credited back to our card and I do not have my money. Dealing with this company, it is apparent that they are not equipped to manage finances for anyone much less our Military Community. There is a severe lack of accountability, knowledge, and professionalism. Every time I have called, I have been told that they need to submit some form DD ... and require 48-72 hours to respond. Of course, they never do. I call back, request the same information and am told that they need to submit another DD ... form and get back to me in 48-72 hours. I want what is mine, my {$4500.00} that is siting in my account as a negative balance.
12/05/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MS 395XX	Web
Stop falsifying information. No letters, no phone calls, no notice of any debt owed because I do not owe it. The letter was false and did not provide any proof of debt owed. The letter was written to me only in response to my complaint, Other than that I have NEVER been contacted by this company and they do NOT have a debt for me. I sent in proof of my identity but they are still offsetting my XXXX as per the US social security administration. NO EVIDENCE OF DEBT PROVIDED AS REQUESTED, NO NOTIFICATIONS EVER RECEIVED. No bills, no letters, no proof, nothing. They admit they have never ever contacted me. But XXXX XXXX, Customer Response Technician lied stating that notices were sent to me When I called AAFES admitted that nothing was EVER sent to me. There is no information in this response to identify this fraudulent supposedly certified Treaury Offset. Show me how you wrongly identified me. Credit card charges? What is this about? She stated according to our records, what records? No records were sent because they dont have any to send. Stop this unlawful XXXX for wrong identity. Social security XXXX is supposed to be exempt from this so how do they get away with doing this to me knowing that I do not owe them? I asked for proof and was illegally threatened with inprisonment. XXXX says that is like debtors court and is not legal in America. Yet they told me I can be put in jail for something I keep telling them I do not owe. This is so scary and so unfair and so not right. What are you doing to stop them?
09/13/2015	Yes	Credit card	Other	FL 33594	Web	Servicemember
Dear Sir or Ma'am, I am writing to dispute a Military Star card account that is not mine ( account # XXXX ). I do not even know the full account number because this is not my account ( no statements and they will not tell me the full account number because it is not my account ). I once had a Military Star account that was paid in full and closed XX/XX/XXXX while I still lived in XXXX, but it was a XXXX account with a {$500.00} limit ( meaning it could only be used at a Military Clothing & Sales store ). I did not re-open this account, nor do I even receive statements since someone has apparently re-opened it. I lived at my previous address for 5 1/2 years until XX/XX/XXXX and my current address ever since then without ever being contacted. I have repeatedly sent corrections directly to XXXX, XXXX, and XXXX disputing this information, which they forwarded to Military Star without resolution. I also sent letters to Military Star, with XX/XX/XXXX being the most recent. My wife, XXXX XXXX, has also been in regular phone contact with Military Star regarding the continued reporting of this account on my credit report, the repeated negative reports, and the occasional deductions from my pay ( that we then have to work with you for reimbursement ). Military Star 's representatives tell us on the phone every time she calls to complain about this false account that it should be off of my credit report in the next month because they can see in their system that it is not mine, yet it continues to be reported.
04/24/2018	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	CA 94025	Web	Servicemember
I have a military star card and it went into collections after I had some trouble with changing my account while I transitioning out the military. Any way I have been trying to resolve this debt for a while and even offered to pay month to month. One guy I offered that to denied the payment and said it wouldn't be enough. I believed I offered XXXX dollars a month since that was what I can offered at the moment. I then called back and tried to offer a settlement since they took around XXXX $ from my tax returns. When I get a notice in the mail and the statement shows how much I owe it is from military star and not from XXXX. XXXX tells me its like XXXX more then the statement says when I try to pay them. I called XXXX again just recently and tried to get information on all the options I have to handle this account and the operator quickly got disrespectful. She rushed me and said I can pay in full now or set up a payment plan and if I can't do that its nothing she wanted to talk about. I then just told her again I just wanted a little more information she then said she not arguing with me and then tried to hang up on me, she said goodbye. I then remained on the line and she came back on disrespectful again and I just said I was trying to have a real conversation so I could get this cleared up. I then asked for her managers number and she gave me this phony number that rung once and auto reply answered and replied I have reached an unassigned number XXXX and hung up. Here is the number XXXX
11/15/2017	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	AP XXXXX	Web	Servicemember
XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX placed 3 orders on phone, please see detailed below. XX/XX/XXXX noticed I was over charged and called to dispute three over charged. XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX asked for refund status, provided their store policy to proof I was able to price match with coupon, asked if they got phone conversation records. XXXX XXXX XXXX XX/XX/XXXX was told she should have information by the end of week, but have not heard from her since. Order # XXXX Invoice shows {$88.00} was charged, but additional {$97.00} was added on my credit card without my consent. {$97.00} needs to be disputed. Order # XXXX Invoice shows {$100.00} was charged, but additional {$100.00} was added on my credit card charges without my consent. {$100.00} needs to be disputed. Orders # XXXX Invoice shows XXXX was charged, but additional {$97.00} was added on my credit card chages without my consent. {$97.00} needs to be disputed. Refund ( XXXX+XXXX+XXXX+XXXX ) have been credited, but still shows as {$17.00} is needed to be credited to my card, but I do n't think I should be satisfied just because they refunded me some. Also, the amount they refunded me was price match amount found from XXXX, but the time I placed my orders the prices were cheaper. Why should I pay for their mistakes? Besides, the price match is already done, and I should get refunded on unthorizated charges not whatever the amount they feel like to give to me.
02/04/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	PA 19135	Web	Servicemember
The reason for this complaint is for inquiry into the Collection item listed on my credit report from Military Star, This account was opened back in XXXX, I've spoken to a representative from Military star about the two missing payments that I located none of which were capture on my account. The payments are- XX/XX/XXXX and XX/XX/XXXX both for {$260.00}, when I read off the address that I mailed the money orders off to ( AAfes. Attn : CP operations XXXX XXXX XXXX XXXX TX XXXX ). The representative from Military Star stated, Oh you were given the wrong mailing location, I stated even if so I'm sure the items would have been forward to the correct department? Somehow these two payments we're never credited to my account the receipts for these two items where missed placed and could not be found until just recently, The first thing I did was to check to see if the items were cashed this took some time due to the time that had elapsed. As shown in the attached paperwork these items were cashed but not applied to my account, when my account went delinquent I'm not sure where these payments would have placed my account, now I do understand that I did owe money to Military Star and because these were cashed and not credited to my account I do not want any funds back but could my account be cleared of the collection or removed completely. Please feel free to review the information that I have submitted and the actions that I took to ensure completeness of all issues to show good faith.
04/26/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	FL 33547	Web	Servicemember
Credit disputes, I requested to have an accountdisputed throughmy XXXX credit monitoring systemin regards to a Chapter XXXX discharge regarding my account. When AAFES responded to the dispute they automatically re-reported the same chapter XXXX discharge closedwith a new report date of XX/XX/XXXX when my Chapter XXXX was discharged and closed on XX/XX/XXXX resulting in my credit score dropping from XXXX on XXXX, XXXX to XXXX on XX/XX/XXXX the day they falsely reported the account again to the bureau. I haven't opened any new accounts, haven't ran up any charges to my credit cards, haven't bought any high end items so my report should take such a huge hit like this. The only reason my credit rating dropped vastly was because your double reporting and my account reflecting that it was closed on the XXXX of XX/XX/XXXX instead of the original court mandated date of XX/XX/XXXX. After my chapter XXXX discharge AAFES were only supposed to report once to the credit bureau. I respectfullyrequest AAFES update my credit report to update this issue and add the XXXX points back to my FICO score. I'm currently in the process of purchasinga home and AAFES has completed halted the process due to their negligentactions in falsely reporting the credit bureaus. I'm a XXXX percent XXXX XXXX Veteran and this has caused great damage to my future planningsofsecuring a XXXX friendly home. I have attached my credit report reflecting such change. Thank you in advance for your support. V/r, XXXX XXXX XXXX
06/27/2020	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 78245	Web	Servicemember
Military Star Card XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am writing to dispute a charge off on my account in the amount of a XXXX balance that never was a charge off. It never went to any collections. I am requesting that the charge be removed, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). Please investigate this matter and correct the reporting error as soon as possible. This was account was satisfied before and collect action to include any form delinquency issues this account did not default nor surpass the 210 day threshold, You can not charge off and account that has already been satisfied and closed as requested and its demanded you remove the erroneous charge-off on my credit report because legally you are obligated to do so. This situation does not fall under the 7 year disclosure because it never went to any form of collection bureau because its proven and represented that you were getting paid on a monthly basis this account was closed in good faith. At this point any further negligence from your company will be submitted up further for military further review. Disrespect like this with victimizing our well decorated veterans is not only disrespectful but will not be tolerated it discredits our military that funds this company and already at the desk of the military committee.
07/18/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	AP XXXXX	Web	Servicemember
During the months of XXXX through XXXX I contacted ECP ( exchange credit program ) ( Military star card ) about a card opened fraudulently in my name, {$4000.00} limit, opened in XXXX, around the time my wife and I separated, I had no need for this card and already had one, I explained this to the fraud center and they said it would be difficult to ascertain who the owner of the account was. I showed proof I had a military star card previously and she made herself an authorized user on the account, but didn't add me as a user. I was told by the company that my soon to be ex-wife had a right to obtain this card, which i agree with, but not in my name, she eventually rang the bill up to ~ {$3800.00}. Since then the bill has been paid to an extent, I haven't paid it, I've closed the account but ECP is stating I am responsible for the remaining ~ {$1700.00}. I feel as if I've shown the company plenty of proof that I was not the one that opened the card and I will not pay the remaining balance. They recently in the last 3 weeks sent me a letter stating I owed the remaining balance and that ECP would pursue legal action if not paid. I would very much like for XXXX XXXX, my soon to be wife to be persecuted for fraud and forced to pay the remaining debt. If there are further questions that need to be asked feel free to contact me, XXXX or XXXX. I can collect and submit the documents if asked to. I am saddened that although proof has been given to the company, they refuse to believe me.
12/31/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	NV 89147	Web	Servicemember
I have a auto pay set up for my credit card every month for military star for three years never missed XXXX payment and as XXXX this year even with a auto pay set up, miltary star did n't take out the balance while making me late for two months. I tried to explained to them I was out of town for XXXX funerals and I did n't know my payment has went up and they only took XXXX instead of XXXX for XXXX and XXXX making me late. I have never been late for over four years. I tried talking to miltary star reps they said you should had paid and I said this is a mistake I paid for four years and have auto pay. They said that 's my fault and you should pay your bills. This is so out of bounds, i told her I was revive refinancing my home and she said this is not gon na help XXXX Never tried to help. I said I have many problems in this world from combat but this got to be the worse day in my life for miltary star to do this. The supervisor talked so mean and never tried to help in this matter. It 's more about jacking people credit than helping seeing this is a mistake. The first XXXX says a was n't late and then I kept asking her about the late payments and she did n't know her owned system. Miltary star has people who do n't know what they are doing and they jack people credit up and do n't care. When you purchase you have 30 days before you have to pay on the purchase you made they do n't. If you make a purchase before your purchase this will be added to your payment before 39 days
12/19/2018	Yes	Credit card or prepaid card Store credit card	Incorrect information on your report Account status incorrect	AL 35758	Web	Servicemember
I signed up for this card back in XXXX in store and in XXXX a year later I lost the card and I have not bought anything from the store since. Around XXXX or XXXX of this year I paid the balance off in full and I have tried to apply for a home. The mortgage lender told me I had a collections account still on my credit from XXXX XXXX. I told them I paid the balance and provided the letter of payment from the military star. After talking with the broker I looked at the copy of my credit report to find that military star has been fraudulently pushing the date of delinquency by changing the information reported to the bureaus. XXXX XXXX is first reporting that the current status of the account is in collections/charge-off state. Second they report that I was late 5 times over 90+ days late but you do not find that information anywhere in my payment history on my XXXX report, but on my XXXX report they do not report me being late and do not display any payment history at all as if I went straight to collections when I opened the account. On my XXXX report they also still have the current status of the account listed in the charge-off /collection state which is not accurate. Not only is XXXX XXXX reporting false information but they are not consistently reporting the information, and they are " Re-aging '' the account by changing the date of first delinquency. I have attached the paid in full letter from XXXX XXXX showing that the account should be listed as paid.
03/01/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	VA 23456	Web	Servicemember
Received bill from Army & Air Force Exchange Service for a balance of {$4800.00}, covering up to XXXX XX/XX/XXXX ( through their XXXX XXXX, XXXX XXXX XXXX ) Paycheck ( weekly ) was garnished XXXX on XX/XX/XXXX by Army & Air Force Exhange Service. No judgements, no notification prior to were given. Received notice from U.S. Department of the Treasury XX/XX/XXXX ( dated XX/XX/XXXX ) that a payment of {$4800.00} from our federal tax return was paid, by EFT, to Army & Air Force Exchange Service. Called XXXX XXXX XXXX XXXX ( using number listed on IRS notification ) XX/XX/XXXX seeking a payoff letter. Spoke with XXXX XXXX, employee ID XXXX, who informed me that the payment hasnt reflected and the garnishments would continue for 4 to 6 weeks. He further claimed that the ACTUAL balance is {$5700.00}. I have never received a bill for anything more than {$4800.00}. XXXX XXXX claimed that they update their systems every Monday ( which would be today, XX/XX/XXXX ). XXXX XXXX claimed that an Intent to Garnish was issued XX/XX/XXXX to an old address which he claimed was the only address they have on file. I am not inclined to believe this as we receive regular billing statements at our current address. No yellow sticker, the address is physically printed on the statement. They have received {$140.00} more ( between wage garnishment and federal income tax garnishment ) than I was ever billed for and are knowingly going to collect more they are not entitled to.
04/26/2023	Yes	Credit card or prepaid card Store credit card	Incorrect information on your report Account status incorrect	TX 78250	Web	Servicemember
The AAFES XXXX XXXX charge card was opened in XX/XX/XXXX, always was in current status. In XX/XX/XXXX, due to circumstances, my account went past due. It however never reached charge off status, yet, on my credit Army Air Force Exchange Services, always reported it as a charge off, and at that time, they had me make a payroll deduction, until I paid it off in XX/XX/XXXX. Now, suddenly, after paying it to a {$0.00} balance, it is reported on my credit as having been paid late for the last 4 1/2 years and it also shows that it was paid under a partial payment agreement. At that time I made arrangements with the " internal collections department '' at AAFES, I was never offered any type of reage program or told that I was paying it under a partial payment agreement. I feel that the representatives with whome I spoke to in XXXX, didn't follow proper procedure, didn't offer me a reage program, and lied to me, telling me, that my account was already charged off, even though my account never reached the prescribed amount of time required by regulations, to be an actual charge-off account. I feel that I was wronged then, and I am especially being wronged and punished twice, as now I have over 23 months of late payments suddenly show up on my credit bureau, which is affecting me in several way at this time. I might have to take the complaints to a higher level, maybe legal action will have to be initiated, if things are not corrected on my credit bureaus.
08/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NM 87123	Web
I've been trying to buy a home through FHA. Two of the credit reporting agencies reported accurate information. The third, XXXX, first was locked, I could not gain any info. Then with the help of my finance consult, on XX/XX/XXXX we finally found someone that understood our problem : My credit report contains information on someone else with the same name that is DECEASED. And two accounts specifically, XXXX/MILITARY STAR, are on my report. They are not mine, have never been in the military, and I am not DECEASED. We filed a dispute XX/XX/XXXX and about 3 weeks later, someone finally discovered the problem and DELETED the XXXX account. So I thought that would solve everything, since they had lumped XXXX and MILITARY STAR together. So when my finance person and I went back to see what XXXX was reporting, in order to finalize my FHA loan, before I lose ANOTHER chance at a home, it still showed MILITARY STAR on my report, that I am DECEASED and the account has been closed since 2015. The only info I have on this account is in the report, with the number of the account as XXXX ... ... I need this off my report! Otherwise I am never going to be able to qualify for the FHA loan! It is now the second week of XXXX and I am getting very frustrated with the whole system. I am going to try to contact MILITARY STAR again to see if I can get anyone that can help and understands what I'm talking about. I am so upset that I might lose my chance at this house!
03/18/2017	Yes	Credit card	Billing disputes	DE 19701	Web	Servicemember
I have an Army/Air Force Exchange Service ( AAFES ) credit account that was charged off in XXXX. The only statement I have received with this account was this past XXXX. The charge off amount was {$9200.00}. In XXXX, my XXXX Federal Tax Return was garnished in the amount of {$2700.00}. In XXXX, my XXXX Federal Tax Return was garnished in the amount of {$3300.00}. However, in the statement I received just prior to filing my XXXX tax return stated that there was a total due of {$8300.00} and showed interest charged. It also stated that the account was now being handled by XXXX, a debt collector. With both my XXXX and XXXX tax returns paying the account, the total that should be remaining is {$3100.00}. I just received an updated statement showing a payment of {$3300.00}, which is {$17.00} less than what was garnished from my taxes leaving a balance of {$5000.00}. I contacted the company collections department and was told that they can and will continue to charge interest even though they sold the account to a debt collector. Furthermore, she tried telling me that as of XXXX, my debt balance was supposedly {$18000.00}. First this was never notified to me. Second, if there have only been two payments, my federal tax return totaling {$6000.00}, how can they try to claim I still owe {$5000.00} yet claim my balance in XXXX was {$18000.00}. They are fraudulently trying to collect {$1900.00} more than what should be remaining on my account.
11/23/2015	Yes	Credit card	Sale of account	AP XXXXX	Web	Servicemember
I was trying to make payment arrangements with my credit card company because I received a letter in the mail dated XXXX XXXX ( See attached ). I had until XXXX XXXX, 2015 to get in contact with them before they sent me to collections and would charge me an addition XXXX % on top of what I owe. I spoke to someone at AAFES on XXXX XXXX, 2015 about the unmanageable {$470.00} a month payment requested in the original letter. She and I made the payment arrangements of {$210.00} each month for 36 months. After all was said and done I agreed to put it in writing and fax in which I did on XXXX XXXX, 2015. The payment arrangements were to start on XXXX XXXX, 2015. When I called them on the XXXX, they had no record of the phone conversation or my fax. They had note that I called in on XXXX XXXX, 2015 to talk about the debt, but then no record of the lengthy phone conversation afterwards. I asked for them to listen to the recording for proof of the conversation. The customer service agent said she did not have access, only her manager. I asked for a manager, but the manager was not in after a ten minute hold. I talked with the debt collection company and they were not helpful. When I talked to AAFES they told me to pay them, and not the debt collection company. I can not control if an AAFES employee enters my data in the computer system or not and should not be penalized for her not updating the database with my new payment arrangements.
03/05/2019	Yes	Credit card or prepaid card Store credit card	Incorrect information on your report Account information incorrect	XXXXX	Web	Servicemember
I had a XXXX XXXX card which I always paid on time. In XXXX I deployed to XXXX and asked for my payments to be deferred which was done at a later date by AAFES. However, they still reported negative information on my account. In XXXX while stationed in XXXX my AAFES card was fraudulently used to purchase a computer notebook. I did not make the purchase and didn't know that a purchase had been made on my charge card until after negative information started appearing on my credit report. AAFES confirmed that the purchase was made but failed to send me the dispute documents. They said the purchase was made online and shipped stateside even though I was still in XXXX. I made some payments and then felt that I should have to pay for something I didn't purchase. AAFES then took the remaining balance from my Tax Refund. I did not want to continue to argue with AAFES so I called and asked if the account was paid in full and they confirmed the account showed a XXXX balance in XXXX. In XXXX negative information started showing on my credit report. The negative information showed {$1.00} was owed and placed for collections. In XXXX AAFES also agreed to remove all negative information from my credit report due to several situations arising while servicing the account. I am a XXXX XXXX XXXX veteran and AAFES mistakes is making it difficult for me to find adequate housing. Due to my XXXX i have limited options where I can live.
12/12/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 91950	Web	Servicemember
I was in the military CA XXXX XXXX. I had a XXXX XXXX and fell behind on my payments. On XXXX, XXXX XXXX XXXX closed my account. I started to get monthly deductions on my my XXXX XXXX ( XXXX ). I have the XXXX that show the deduction made on my pay.It shows the balance owed to XXXX XXXX going down every month. On my XXXX XXXX XXXX it shows the balance owed to the XXXX XXXX at zero. On XXXX XXXX XXXX collections agency sent me a letter saying that I had a balance of XXXX owed on my XXXX XXXX and they were collecting it. I informed them it was paid off and had my pay stubs ( XXXX XXXX to show it. I contacted XXXX XXXX and informed them of situation. I requested copies of my credit card statements from XXXX XXXX to XXXX XXXX. They informed me they could not do that and to deal with the collections company. The collection company informed me that only XXXX XXXX could provide that information to contact them. On XXXX XXXX XXXX XXXX took my wife 's and my XXXX tax return. I just want copies of those statements so i can show credit card company that the debt was paid off my matching them with my XXXX XXXX statement deductions. If it turns out after making the comparison between my XXXX 's and the credit card statements that I do owe some debt, I will do my best to address that. I tried to talk to them and they do n't want to work with me. Also the same response from the collection company XXXX XXXX. Can you please help me?
08/26/2021	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NC 27107	Web	Servicemember
XX/XX/2021 I ordered a 'Built-in '' " Natural Gas '' grill from AAFES and used their Military Star credit card for the purchase. I specifically ordered the built-n and natural gas version of a XXXX XXXX XXXX XXXX. When I went to install the grill it was a " Roll-in '' and " LP '' grill. I called to have the grill replaced with what I ordered however AAFES was out of stock and could not find a replacement for me. I provided all the details they asked me for and I sent the pictures they requested. I was promised a phone call in a few days when they arranged a carrier to pick up my grill. Beginning the last week of XX/XX/2021 I had to call AAFEs every 3- 4 days through the 1st week of XX/XX/2021 ( 7-weeks ) and every phone call followed the same format. 1. ) They would review the previous notes and apologize that they never completed the return process. 2. ) They would put me on hold for long periods of time to discuss it with management. 3. ) They would get back on the phone or management would get on the phone and assure me and promise me that they would arrange for a carrier to pick it up and call me with that information. They never called me with the information and this process would repeat over and over. I offered to take the grill to the exchange at XXXX XXXX, XXXX, NC for them. Once I was told they would look into it and the 2nd time I was callously told to call XXXX XXXX exchange myself to arrange this.
01/19/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	FL 34482	Web	Servicemember
XX/XX/2016 I pulled a copy of my credit report. I sent a certified letter on XX/XX/2016 to Military Star which was listed on my credit report requesting validation of this account made pursuant to the Fair Debt Practices FDCPA & 807 ( 15USC 1962e ). I requested that if they could not validate the debt, that the entry be deleted from all credit reporting agencies. They did not comply with this request. On XX/XX/2016 I sent another certified letter to Military Star informing them they had not sent me any copy of viable evidence bearing my signature and that they had not replied in a timely manner to my initial letter. XX/XX/2016 I pulled another copy of my credit report and noticed that Military Star did not add the required " notice of dispute '' verbiage to my account per Federal Law. On XX/XX/2016 I sent a third certified letter to Military Star informing them that they did not furnish the credit bureau 's with the required disclosure within the period required by the law and that they are required by Federal Law to place a " notice of dispute '' on my account within 30 days of my dispute, which was signed for on XX/XX/2016. Clearly copies of my credit report dated XX/XX/2016 show no such required entry. XXXX is in violation of the Fair Debt Practices Act by not sending proper documentation requested and furthermore is in violation of Federal Law by not adding the notice of dispute on my account.
02/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AE XXXXX	Web	Servicemember
In XX/XX/XXXX I XXXX to XXXX. During that month i contacted AAFES about a XXXX XXXX credit card that i have with them. As part of their XXXX benefits, no payments on the card are required from the date that i XXXX until i return to my home station ( XX/XX/XXXX ). I noticed that although these benefits were applied to my account, i was still receiving past due notifications on my monthly statements. When i called customer service i was ensured that the issue was resolved. I was also told that this would not report negatively to the credit bureaus due to my enrollment in the XXXX benefit. In XX/XX/XXXX i received a notification from XXXX that this account had in fact reported as 30 days late. I submitted a dispute and the issue was resolved. Two weeks later it was updated again as 30 days late. As this was happening my XXXX credit file was reported as 30 days late in XX/XX/XXXX. I have spoke to numerous individuals over the phone and the Disuputes center at AAFES but every time the issue is " fixed '', it just reappears or reports late during another month. I submitted another dispute through XXXX and this time it came back saying that the information has been validated as accurate. I have emails from AAFES stating that the account was not deliquient in XX/XX/XXXX as well as XX/XX/XXXX. Yes even with these emails, they can not seem to properly report this information to the credit bureaus.
02/04/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	VA 22554	Web	Servicemember
I became behind on my Military Star Card when my Fianc got XXXX from the military and I lost my job due to being laid off in XXXX XXXX. I was notified after filing my taxes in XXXX XXXX that they would be taking all XXXX of my federal tax refund dollars. After contacting the Treasury office, they told me that the only people who can stop this is the creditor themselves. I reached out to the creditor twice trying to make arrangements as well as file for a hardship. They insisted that they could n't help or withdraw the information from the debt until its paid. Basically telling me they can and will take all the money they can. They also told me that filing for a hardship would take about 30-45 days. When i requested to speak to a supervisor i was placed on hold by XXXX different agents many times. I was given a non-working number and told to call the supervisor and leave my name and number, and they will get back to me as soon as possible within 24 hours. The number I was given for the supervisor is XXXX. I explained my hardship of not being able to pay my rent or utilities, as well as having XXXX children. They did n't care and said sorry this is your debt and we will do what is needed to collect but if you like you can set up a payment ed for the remainder of the balance after we take the refund. How am I to pay that money if I can not even pay my normal bills due to them taking my refund.
08/14/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX XXXXX	Web	Servicemember
I was contacted by a XXXX XXXX XXXX XXXX, on XXXXstating that I owe a debt of {$11000.00} for a Military star Credit card. As I explained to the collection company, I have never applied for or owned a military star credit. then around XX/XX/XXXX, I got a letter showing interest accruing on this fraudulent military star credit card to the tune of {$11000.00}. I asked them ( XXXX collections and AAFES ), to look into this account for fraud. the collection company has yet to provide a copy of the signed application or any pertinent proof, that I applied or received a credit card from the AFFES ( Army Air Force Exchange Store. I have sent notices to the collection company and also to the AFFES, and none have taken corrective actions to correct this injustice of identity theft. XXXX collection has now taken unprecedented actions in XXXX and seized my XXXX tax returns on this fraudulent account. I have been reaching out to attornies and other governmental agencies for assistance in this fraudulent matter, stating to these entities I did not owe this bill nor was it my account, to no avail on several occasions I was informed that this case is not going away because was like owing the IRS part of the government. I am still in search of and seeking to correct this wrong and prosecute the Individuals or whomever that have wronged and stolen my identity and created this fictuticious account.
08/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92054	Web	Servicemember
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX Account name : XXXX Account name : XXXX Account name : XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
04/13/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	ID 83854	Web	Servicemember
Air force and Army Exchange has repeatedly confiscated my federal tax returns through the Treasury Offset Program since XX/XX/XXXX for a ( {$1000.00} ) debt incurred in XX/XX/XXXX. They have not reported or updated information to the credit bureau for several years, and it appears nowhere in either open or closed accounts. They have not provided me with reciepts, or balance sheets, or account statements of any kind, by any means at any time since XX/XX/XXXX. My XX/XX/XXXX return was only partially confiscated, and I recieved what was left over, indicating the account was paid off. This year my XX/XX/XXXX tax return was just confiscated in it's entirety, {$940.00}, and I was given no record of amounts owed, paid, or received, and this account can not be found on any credit reports. I believe they are fraudulently churning old accounts, and stealing the money whenever they want. In my attempts to contact AAFES or Military Star Card customer service, they claim to have no information of me ever having an account, and claim I am not in their system. I do not know how to resolve this matter in any any other way than to use my Protected Veteran Status to begin legal action against AAFES, TOP, and the IRS. In regards to my XX/XX/XXXX tax return theft TOP, Trace # XXXX and Account # XXXX Please help me get my XX/XX/XXXX tax refund returned to me as it was confiscated through illegal means.
12/06/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MA 01002	Web
To whom it may concern, I am having an ongoing problem with Military Star over an account that I disputed with them, requesting information and sufficient tangible documentation in order to verify and validate the debt owed. The matter was resolved when it was removed from my credit reports due to the company not providing adequate information in a timely manner. The account then popped back into the credit bureaus without any notification to myself as to its reinsertion or documentation related to the original dispute. Again, I dispute the item and the company does not provide an in depth investigation and simply marks the account " meets FCRA requirements '' which it surely does not because it fails to document me. It has failed to do so on numerous occasions. I am asking this agency to assist me in this matter and provide oversight which in my considered opinion it needs. The account is reported as closed and also as open. I don't understand what this company is doing. I have tried numerous times to dispute the debt, which I stand behind being grossly inaccurate and not mine and have this company continually changing information even after it has been removed. Violating the FCRA by putting information into my consumer credit file that is not verified via documents and generally giving me the run around every time I ask for clarification. Please assist me in this matter.
08/14/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX XXXXX	Web	Servicemember
I was contacted by a XXXX XXXX XXXX XXXX, on XXXXstating that I owe a debt of {$11000.00} for a Military star Credit card. As I explained to the collection company, I have never applied for or owned a military star credit. then around XX/XX/XXXX, I got a letter showing interest accruing on this fraudulent military star credit card to the tune of {$11000.00}. I asked them ( XXXXXXXX XXXX and AAFES ), to look into this account for fraud. the collection company has yet to provide a copy of the signed application or any pertinent proof, that I applied or received a credit card from the AFFES ( Army Air Force Exchange Store. I have sent notices to the collection company and also to the AFFES, and none have taken corrective actions to correct this injustice of identity theft. XXXX XXXX has now taken unprecedented actions in XXXX and seized my XXXX tax returns on this fraudulent account. I have been reaching out to attornies and other governmental agencies for assistance in this fraudulent matter, stating to these entities I did not owe this bill nor was it my account, to no avail on several occasions I was informed that this case is not going away because was like owing the IRS part of the government. I am still in search of and seeking to correct this wrong and prosecute the Individuals or whomever that have wronged and stolen my identity and created this fictuticious account.
05/12/2023	Yes	Credit card or prepaid card Store credit card	Fees or interest Unexpected increase in interest rate	NV 89015	Web	Older American, Servicemember
This is in reference to my Military Star Card, Acct # ending XXXX XXXX, this Card is only for individual who can us the Post Exchange and Commissary on Military Bases. I not only concerned for myself but other Military Personnel and their FAMILIES. I was told the rate can go up every month along with the Federal Reserve, that can create financial hardships. This feels like an attack. My balance is very high but I have an excellent payment history. I have already sent an email to the Company, I will attach a copy and the response. They have replied very confusing, so I called was given and explanation from a Customer Service Representative that was not what was written in the email. I have called them 3 times to the best of my knowledge and have been given several different explanations. My INTEREST RATE continues to climb for the last four months, why? Here is the Breakdown : XXXX XXXX XXXX payment {$110.00}, XXXX XXXX payment {$120.00}, XXXX XXXX XXXX payment {$170.00} and XXXX 14.99 % payment {$180.00} I am very willing to pay FAIR DEBT, this card has been a big help to the Military Communities, it has provided food for me and many times, and shelter, traveling expenses, I pray that continues, thank you for what you do for Military Families and XXXX Bless. Note : I am having problems sending my XXXX but i will call for help tomorrow, your currently closed.
08/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI XXXXX	Web	Servicemember
I write to you with grave concern about the unauthorized reporting of a minor delinquency on my Military Star Card account to my credit profile. This situation has not only unfairly impacted my credit history but has also violated the rights that exist to protect XXXX servicemembers like myself. Issue at Hand Name on the Account : XXXX XXXX Regulations Violated : Honoring Duty and Protecting Rights This situation represents a blatant violation of the Servicemembers Civil Relief Act ( SCRA ) and the Fair Credit Reporting Act ( FCRA ), legislations designed to honor the commitments of XXXX servicemembers and safeguard their financial well-being. These statutes are in place to ensure that those who selflessly serve our nation are not subject to unjust financial repercussions, especially those arising from circumstances beyond their control. Specifically, this unauthorized reporting potentially contravenes SCRA Section 3952, which mandates protection against default judgments and stays of proceedings for servicemembers unable to appear in court due to military service obligations. Furthermore, the unauthorized reporting of this delinquency without my consent raises concerns about the accuracy and integrity of my credit profile, potentially infringing upon FCRA Section 605 ( a ), which requires the accuracy and completeness of consumer report information.
03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60620	Web
Account : # XXXX Date reported late XX/XX/2022. Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer XXXX XXXX XXXX XXXX ) and the person ( YOU ) XXXX XXXX XXXX XXXX Making the report is not INCLUEDED on my Consumer report! A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. You have 7 calendar days to update my Payment history and or delete all late payments from the below account/s Account : # XXXX Date reported late XX/XX/2022. Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for :
02/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	GU XXXXX	Web	Servicemember
I am a XXXX XXXX XXXX XXXX and I have a Military Star Card credit card. The Military Star credit card program is administered by the Exchange Credit Program or ECP. The Army Airforce Exchange Service ( AAFES ) is custodian for the Exchange Credit Program Military Star Credit card. The ECP further reports the payment history and status of each military star card to XXXX credit bureau. Although all other military servicemembers and veterans military star cards are reported monthly to XXXX, the military Exchange Credit Program and the Army Airforce Exchange Service continues to discriminate against me by willfully failing to report my Military Star Credit Card excellent credit history to XXXX. The ECP and XXXX administrators are willfully conducting unfair pattern and practice against my excellent military star card payment history further preventing its contribution to my XXXX credit rating. The ECP and XXXX further reported my Military Star card to Transunion but they added a fictitious late payments for XX/XX/XXXX and XX/XX/XXXX on my Transunion credit report as admonishment because of my complaints. My Star card is paid by automatic debit from my direct deposit checking account monthly and it is impossible to receive a late payment. My military star card has always been paid by direct debit from my direct deposit checking since it was opened.
08/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89103	Web	Servicemember
After filing a recent tax return, the day before my refund was deposited I recieved a letter stating my refund was intercepted to pay a collection from AAFES. After downloading my IRS transcripts from XXXX XXXX XXXX I noticed every single refund was intercepted. I contacted XXXX which was the third party collection agency and was informed AAFES had been intercepting my refunds and I still had a balance of XXXX as of XX/XX/XXXX. The rep on the phone said notice was sent to the address they had on file and I informed I had a new residence and updated my mailing address. On XX/XX/XXXX I recieved my XXXX file in the mail. This file is incomplete, contradicting and full of errors. Returned Check Fees, Interest and civil recovery charges, plus transactions stating I wrote a check to AAFES for XXXX dollars and another check for XXXX dollars. Copies of those checks are not in the file. The 3 copies of checks in my file are for different amounts and are not in the transaction statement. I see credits to the balance but then 10 dats later those credits were reversed. with no justification. copies of the checks also have XXXX XXXX checks but on the back the account says XXXX XXXX XXXX. NSF should be stamped on the checks but not. Im a victim of Identity Theft. The funny thing is AAFES and XXXX ar nowhere to be found on my credit report. Im being robbed.
08/10/2021	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	SC 29229	Web	Servicemember
Military Star Card : XXXX XXXX XXXX for activity duty and retired service members and there family. I Got behind on my star card and was unable to catch up my payments when I started working for USPS star card collections agency contacted my job and started taking money from my pay a different amount each time depending on what I make every two weeks I contacted this collection agency and try to set up a payment plan and they would not work with me they wanted all are nothing. I tried reaching out to them again to settle the debit with the original amount of the credit card which was XXXX I told them I could settle the debit in two schedule bank drafts payment and was willing to give them my bank information and two dates that were within 30 days to draft the payments. The collection agency told me to call back when I have all of the XXXX to pay on the same day. The collection company is charging me high interest fees and collection fees every month only about 1/3 of the monies they are taking from my pay is going towards paying off the debit. The original credit amount was XXXX and now with all the interest and collection fees I owe over XXXX dollars so far the collection agency has garish XXXX from my paychecks and not even half has been put towards the debit just paying collection fees and interest the debit is steady going up and not down.
01/20/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MD 207XX	Web
I own a star card, and I am part of the XXXX but I never used it unless waiting for a debit card to come by mail. When I did use it I paid it off as soon as my debit card came in. This occurred initially in ( if I remember right ) XX/XX/XXXX. Precursor : when using a star card while in the military, they will contact your leadership if you miss a payment. In this case I went in to pay my bill as soon as I received my debit card in person by going into the local aafes base exchange. I paid the amount and then shredded my card from my wallet. EIGHT months later I received a call from my flight commander saying that I missed a payment. I went in the next day and they told me that I already paid my balance. I talked to my flight commander and he told me to go back. I went back and they said I had a huge bill this time with 8 months of interest. I told them exactly what I said already so they told me that I needed to talk to the company over the phone. They called them for me in the store and gave me the phone. He was very hard to deal with, but I was finally able to pay my bill with acquired 8 months of interest. Although I understand that mistakes happen, I do n't mind paying the interest, but I was still punished on my credit report and they ignored my dispute. This severely hurt my credit since I have never owned a credit card before this.
01/15/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48127	Web	Servicemember
The AAFES Military Star Card took advantage of me while I was overseas. The company fraudulently took money from me and never posted to my account. I came back state side and found out the account had been charged up over 2,000 and no posted payments have been made. I reported this to the company and I was asked for receipts- there was no way I could get those as I was XXXX and didnt keep any cash exchange receipts. I wanted the exchange to open up an investigation into this in 2014 to which I was told that the only way to prevent this from affecting me is to pay off the whole balance, which I did. Almost 6 years later, they have reported my account as delinquent even when I was told that this would be handled if I just paid off the balance, even though I had already made monthly payments that were not posted to my account, as someone was stealing them from the exchange overseas. Furthermore, they have filed a tax write off when there was NOTHING TO WRITE OFF! They fraudulently steal money, failed to flag my account for missed payments, never sent correspondence and told me that this account is my responsibility. They refused to help their customer when fraud was evident and have ignored every chance I have tried to resolve this. I dont owe them a cent and I paid off an amount twice over, only to be treated this way.
05/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 782XX	Web	Servicemember
Between XXXX and XXXX of XXXX ; I took action via a credit reporting service to have older and inaccurate information on ALL my credit reports be removed. ALthough some information has been removed, unfortunately not all the information was removed and therefore is causing a halt and sometimes negative affect on my reporting. To maintain accuracy and truth to my reports, I'm taking action myself to ask for items to be removed from my account based on the laws listed below : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
04/04/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33914	Web	Servicemember
Good Afternoon, I called the company that have my account because this is the second or 3rd time they are taking my IRS returned. I though this account was closed and paid in total however I was told today the I still owned them XXXX XXXX. XXXX XXXX XXXX XXXX TX XXXX. {$1600.00}. XXXX which they took my $ XXXX refund to get paid. Again. This account was sold out by Army & Air Force Exchange Service in XXXX to them for collection although I didn't get any paperwork of the outstanding debt them or now I, according to XXXX XXXX the CP operations said that I still have an outstanding balance. This is not the XXXX time that they take my refund and keep my account open to collect the interest at 18.45 % therefore if they don't closed my account I will never get this over and I will continue owning money to this company!! I will need your help to find a solution to this. I will need your help to get any paperwork from the outstanding total and why this account still open when it was promised to be closed out last yearXXXX XXXX I was working under military orders in XXXX and XXXX therefore my husband tried to fix this issued they told him that was everything paid and now they are taking my refund and I still have an outstanding balance. PLEASE HELP ME WITH THIS ISSUE!! Respectfully, XXXX XXXX XXXX
04/04/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33914	Web	Servicemember
Good Afternoon, I called the company that have my account because this is the second or 3rd time they are taking my IRS returned. I though this account was closed and paid in total however I was told today the I still owned them XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. {$1600.00}. XXXX which they took my $ XXXX refund to get paid. Again. This account was sold out by Army & Air Force Exchange Service in XXXX to them for collection although I didn't get any paperwork of the outstanding debt them or now I, according to XXXX XXXX the CP operations said that I still have an outstanding balance. This is not the 1st time that they take my refund and keep my account open to collect the interest at 18.45 % therefore if they don't closed my account I will never get this over and I will continue owning money to this company!! I will need your help to find a solution to this. I will need your help to get any paperwork from the outstanding total and why this account still open when it was promised to be closed out last year.XXXX XXXX I was working under military orders in XXXX and XXXX therefore my husband tried to fix this issued they told him that was everything paid and now they are taking my refund and I still have an outstanding balance. PLEASE HELP ME WITH THIS ISSUE!! Respectfully, XXXX XXXX XXXX
10/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TN XXXXX	Web	Servicemember
I have been an outstanding customer and absolutely enjoy my Military Star Card. However this year and last year have been incredibly difficult as I know it has been with everyone. My wife is a XXXX XXXX and in XXXX of 2021 caught XXXX XXXX and I missed my XX/XX/2021 payment. The next month I brought my account current and worked very hard to stay on top of everything and in XX/XX/2021 I lost my father due to XXXX XXXX. The unexpected funeral costs impacted my family heavily and my XXXX and XXXX payment suffered. I have been working extremely hard to keep my good payment history and account in good standing and I paid off my account in full in XXXX of 2021. I called the customer service phone number on XX/XX/2021 to ask if the late payments could be removed from my credit report due to XXXX and how it has effected my family this year and I was given incorrect information and the lady was not very nice or helpful at all. Not knowing who to call or my next direction as it relates to this matter this was the only place I went to for my next step. I am trying very hard to move into a new home and start fresh and leave the grief behind. I know these last two years have impacted everyone. But I am just trying to keep my good payment history and status with my Military Star card in good standing.
10/17/2018	Yes	Credit card or prepaid card Store credit card	Credit monitoring or identity theft protection services Billing dispute for services	TX 78218	Web	Servicemember
Name of Company : AAFES Military Star Card I'm trying dispute some late payments that was placed on my credit report from XX/XX/XXXX-XX/XX/XXXX. I tried to dispute it before with my justification being that I signed for automatic payments to be made through the Star card website but then later learned that the payments weren't being made. And due to high Operational tempo and being deployed I had limited internet access to resolve this issue. - I have tried to dispute this multiple times with no success and on XX/XX/XXXX I even contacted the company but they were unable to help me. Company 's response is found below : Hello XXXX XXXX XXXX, Thank you for contacting Exchange Credit Program. Regarding your credit reporting inquiry, we can only remove negative reporting, if due to an AAFES error. Statements are sent out monthly to the address or email address on file. It is the responsibility of the account holder to be aware of their balance and payment information, per your terms and conditions. Therefore, we can not remove any delinquencies from your credit report. They will be removed by the credit bureaus after a 7-10 year period from the last activity date. If you have any further questions, please email XXXX or contact MILITARY STAR at the phone number listed below.
03/27/2021	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	VA XXXXX	Web	Servicemember
I learned on XXXX XXXX that I would not be receiving a tax refund because of a debt I owed to AAFES. I have never opened any kind of credit at any military store. However, back in XXXX, my spouse attained credit and had one in my name, which he got without my knowledge or approval. It seems to be a very easy process for soldiers to get this credit with little background or steps to protect the person who name is on the card. I find this very unfair. No one should be able to get a card or credit without a signature or some kind of identification. Im not sure when he got this credit, but the collection people said that it was sent to them in XXXX. This is the second time they have given him a card in my name. He has charged over XXXX dollars on this particular card. I am tired of him getting away with identity theft. We are seperated and he is using my info. which of course he knowes by heart after being married for 30 years. But for these malice actions, our marriage is about to come to an end, but in the mean time, im trying to put an end to him trying to destroy my credit. I refuse to pay this debt. Im sorry, but its not fair to me. This account was opened without my knowledge, and should be closed immediately. I will never open a line of credit with AAfes or any other Exchange.
10/17/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 77521	Web	Servicemember
I am a 100 % XXXX Veteran that was XXXX XXXX in XX/XX/2013. Due to service connected injuries, I have become unable to work. I fell delinquent on the AAFES/Star Card account and have had my tax returns taken since leaving the military. I would like a printout showing the original balance owed when the debt first became delinquent, as well as something showing the $ XXXX total that has been offset from my taxes- applied to the debt. They have taken over {$4000.00} total and are now garnishing my SS XXXX benefits in the amount of {$250.00} per month. They send billing statements with no decrease to my balance and refuse to mail me anything showing the original balance upon separation and a detailed list of all of the funds they have taken from me, applied to the account. I am told to contact the debt collection company they transferred the debt to, with them refusing to provide information as well. I can not pay a debt that the balance continues to grow. I do not need a statement that shows nothing but the current balance. Where has all that money gone? I have already lost everything I own, from being unable to work, yet this company continues to take my money and refuses to provide documentation of all money that has been offset. I am at a loss. This is why XXXX commit XXXX.
12/30/2022	Yes	Credit card or prepaid card Store credit card	Trouble using your card Can't use card to make purchases	HI XXXXX	Web	Servicemember
I attempted using my Military Star Card issued by the Exchange Credit Program, based out of XXXX, TX, at a XXXX XXXX gas station which accepts the credit card. However, I could not complete the transaction after the card reader denied my Military Star card which offers a 5 cents per gallon discount for using the card when purchasing gasoline. Not only did this affect me, but the other customers using their XXXX XXXX for payment at the gas station also had their transactions denied and the customer representatives at the gas station told us we needed another form of payment due to the problem. I contacted the Exchange Credit Program customer service after the incident and they verified my acccount still remained in good credit standing. I want this issue investigated as to why this incident occurred. The Exchange Credit Program, as the credit card vendor, should work with the XXXX XXXX XXXX XXXX in avoiding a future recurrence of this problem. As often as I refuel my vehicle along with the current highcost of gasoline, the 5 cents per gallon discount offered by the Military Star card offerstremendous savings in the long term. However, continuously encountering problems with usingthe card would essentially negate the benefits of the cost savings offered.
07/22/2022	Yes	Credit card or prepaid card Store credit card	Fees or interest Charged too much interest	CA XXXXX	Web	Servicemember
I had an account opened XX/XX/XXXX. It is a store charge card. My limit was {$2800.00}. This account was closed XX/XX/XXXX, with a balance of {$3700.00}. Now in XX/XX/XXXX, I am told my balance is just over {$7800.00}. This is {$5000.00} plus over my account XXXX and {$4100.00} over my balance at closing in XX/XX/XXXX. Which already in XXXX months had approximately {$800.00} in interest. I've tried to reach out and get clarification on this interest calculation and how it it billed in an itemized fashion, to never have received. I had to restrict my calls to mail only due to uncomfortable conversation and tactics used to collect this debt. I am truly trying to understand how in 4 years I have accumulated {$5000.00} dollars interest alone. No person with Military Star card has in past four years of asking, calling or writing letters has assisted me in finding resolve. Also, I am unable to find among reps, leads, supervisors or management a single person that even knows if there is an error & how interest is calculated. How can I be charged for something that even the debtor can't explain? The way I see this, I have been charged interest and fees illegally that are unexplained. I'm being charged interest on other incurred interest not debt alone. FRAUD!
12/30/2022	Yes	Credit card or prepaid card Store credit card	Trouble using your card Can't use card to make purchases	HI XXXXX	Web	Servicemember
I attempted using my Military Star Card issued by the Exchange Credit Program, based out of XXXX, TX, at a Navy Exchange gas station which accepts the credit card. However, I could not complete the transaction after the card reader denied my Military Star card which offers a XXXX cents per gallon discount for using the card when purchasing gasoline. Not only did this affect me, but the other customers using their Star Cards for payment at the gas station also had their transactions denied and the customer representatives at the gas station told us we needed another form of payment due to the problem. I contacted the Exchange Credit Program customer service after the incident and they verified my acccount still remained in good credit standing. I want this issue investigated as to why this incident occurred. The Navy Exchange Service Command should work with the Exchange Credit Program in avoiding a future recurrence of this problem. As often as I refuel my vehicle along with the current high cost of gasoline, the XXXX cents per gallon discount offered by the Military Star card offers tremendous savings in the long term. However, continuously encountering problems with using the card would essentially negate the benefits of the cost savings offered.
03/05/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NC 27526	Web	Servicemember
In XX/XX/XXXX i was getting weird orders of things i did not order i returned them back to military star then up too the middle of XX/XX/XXXX .they was told too close the account around the end of XXXX they did not.instead i found out they did not close it til XX/XX/XXXX, therefore charging me 19.5 percent interest for 2 years accrued too card .also many of items where returned but i never got credit for returns, they then transferred too a 3rd party, XXXX XXXX XXXX XXXX.they say i owe them XXXX, and military star says XXXX in other words different from amount, i have complained too military star that the charges was wrong fraud. i pleaded for someone too investigate, but nothing, now XXXX XXXX after 6 months today have taking over XXXX dollars from now and still garnishing check and charging interest got smart with me and said i should have known what i was signing for 19.5 percent interest. please help me to recover my money and stop XXXX XXXX and military star stop they practicing on military veterans I have contact them they claim they sent forms but i never receive them i told military star that i disputed the charges and never heard from them either and when they did start garnishing check i never received any thing to dispute such charges
12/13/2017	Yes	Credit card or prepaid card Store credit card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	SC 29532	Web
In XXXX, at XXXX XXXX XXXX, XXXX XXXX, offered me a credit card with {$7200.00} limit. I maintained my account in good standing until XXXX, when I became unable to afford my payments due to hardship from unemployment. XXXX XXXX would not work with me for a hardship program. My account was sent to collection and XXXX XXXX would no longer speak with me about the account. The collection company added interest and fees that totaled over {$13000.00}. I could not afford the {$7200.00} balance, so {$13000.00} was incomprehensible. I was forced to allow the account to sit in collection. The account is reporting monthly to credit companies with a full balance of about {$15000.00} due. This is hurting my credit and my attempt to purchase a home. My financial situation improved in XXXX, but XXXX XXXX still will not work with me. I spoke with the collection agency and they submitted a settlement offer of {$7200.00} ( original balance owed ) on my behalf and XXXX XXXX countered with over {$9000.00} which I could not afford. I entered a payment plan and have paid consistently monthly since XXXX XXXX. However, the company is still reporting a full balance of over {$15000.00} due monthly and refuses to acknowledge the payment arrangement or payments being made.
05/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28314	Web	Servicemember
My account was past due in XXXX however I bought it current in XXXX, XXXX and XX/XX/XXXX. I paid over {$1000.00} dollars between XXXX and XXXX of XXXX however on my credit report it reads " Past due for XXXX and XXXX of XXXX. I keep my recents and went back up to the store and showed the head manager in XXXX and she said " once you make the payment it is out of our hands. '' She looked at the receipts and acknowledged that the receipts that I was showing her were indeed not past due. SHe knew this because she saw that the due date was the XXXX of every month and she saw that payments were made on the XXXX of each month. She then advised me to call headquarters which I did but they insisted that I was past due even after I had told them that my wife had called in XXXX in XXXX and spoke with a representative about the same incident and this representative told my wife, " Yes ma'am I see where you made the payment before the due date so I will fix that right away! '' When I looked back on my credit report the past due for XXXX was deleted. XXXX came first as past due then XXXX which is impossible because the receipts show that several payments were made in XXXX and XX/XX/XXXX. Headquarters did nothing even after I emailed them my receipts to them.
09/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	AE XXXXX	Web	Servicemember
Due to being overseas the past three years on a XXXX I had several late payments reported to my credit. I reached out to the company recently due to finding out some military benifits while on XXXX overseas. Realizing this while I was still overseas I contacted them. Asking them if I provide proof to please remove those late payments. However the company is very unwilling to work with deployments unless they are provided BEFORE any late marks accrue. However due to being overseas I was not in contact. This has created hardship on our family because we are now unable to get a house due to the remarks on my credit, with this card alone. I have requested multiple times to have them help me and every time they turn me away, the card is even paid off now. I finally got a more forward answer the first time complaining through this site, they told me to send orders, which we have. It has only been a couple days but we still havent heard anything if they will remove the late remarks on my credit. Its frustrating because this is a very hard time for our family and its time sensitive as we have no options for homes until this is taken care of. I have even requested a call to discuss with the XXXX or credit department but nobody will call me.
12/14/2019	Yes	Credit card or prepaid card Store credit card	Fees or interest Charged too much interest	LA 700XX	Web	Servicemember
I am a Military service member stationed in Louisiana since XX/XX/XXXX. According to Louisiana state law all creditors can only charge me a max interest of 6 %. I have a Military Star Card and my interest rate is 11.99 %. I notified the exchange credit program and sent them a copy of my orders and the state law and they thought I was a XXXX and refunded me {$200.00} in interest for the months of XXXX, XXXX through XXXX, XXXX. They then put my interest back to 11.99 % and told me to let them know the next time I am on orders. I explained to them that I am XXXX XXXX and they owe me much more of an interest return and they have to reduce my interest to 6 % and leave it there until one year after I XXXX in accordance with Louisiana state law. They realized the mistake and returned an email to me saying that they would comply with the adjustment and refund. I have copies of all the emails. After getting the runaround for two more months they then emailed me and stated that they do not have to comply with the state law since they fall under the federal government. They are a credit card that charges interest and reports to credit agencies. Is it true that they do not have to comply or are they just making an excuse to maintain profits?
05/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	FL XXXXX	Web	Servicemember
I applied for a credit card with military star exchange in XXXX and XXXX of XXXX. I was declined. I was surprised and devastated because I have been working on raising my credit score for the past 3 years. I have finally got a higher score and I can say that I have credit cards that have over 5000 limits. I purchased my brand new 5 bedroom home last year. I called the credit card customer service while I was at the XXXX XXXX XXXX military exchange today. The customer service agent told me that I was declined for the credit card because I had a card in XXXX and the account went to collections but was later paid in full by me. Then she also said that I had an account in XXXX that went to bankruptcy and was discharged.in XXXX. I am a retired military veteran. I am also totally XXXX. I have a hard time accepting that I am being penalized for going through hard times. As a veteran we go through things that civilians would not believe. Financially, physically, personally, emotionally. I am at a loss for words that a civilian that is working for soldiers would made the decision to ban me for life from writing checks on base and deny me a military star card forever? We love our troops. We are all in this together? Hogwash!
07/24/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	TX 78028	Web	Servicemember
I PULLED MY CREDIT REPORT AND FOUND AN OLD CREDIT CARD ACCOUNT THAT I HAD OVERLOOKED AND IT WAS STILL ACTIVE. I DID NOT UPDATE MY INFORMATION WITH THE COMPANY BEFORE I XXXX, SO MY MILITARY STAR CARD STATEMENTS ARE STILL BEING SENT TO A THREE YEAR OLD ADDRESS. THEY SAID THAT THE LAST TRANSACTION THAT I MADE WAS IN IN XXXX OF 2015. ACCORDING TO THE COMPANY, THEY CAN NOT UPDATE THE ADDRESS WITHOUT MY CONSENT, EVEN THOUGH THEY CAN SEE MY UPDATED INFORMATION IN DEERS. I HAVE SUBMITTED MULTIPLE ADDRESS CHANGES THROUGH THE USPS, BUT THE COMPANY CLAIMS THAT THOSE CHANGES ONLY LAST FOR 6 MONTHS. THEY DID NOT SAY THEY HAVE RECEIVED ANY RETURNED MAIL, EVEN THOUGH I HAVE SUBMITTED MULTIPLE ADDRESS CHANGES THROUGH THE USPS SINCE 2015. THEY DID NOT CLOSE OR CHARGE OFF THE ACCOUNT AND IT IS STILL ACCRUING FEES ( LATE FEES, ACH-DECLINE PENALTIES, ETC. ) I CALLED THEM TO ASK FOR STATEMENTS AND TO UPDATE MY ADDRESS. I CAN NOT RETRIEVE STATEMENTS ONLINE SINCE I DO NOT HAVE THE CARD NUMBER AND THEY DO NOT KNOW WHEN MY REQUEST TO RECEIVE MAILED STATEMENT COPIES WILL BE PROCESSED. THEY REFUSE TO EMAIL ANY INFORMATION TO ME. THEY ARE WILLING TO GIVE ME THE BALANCE AND ACCEPT PAYMENT BUT I DID NOT WANT TO PAY SOMETHING OFF WITHOUT SEEING A STATEMENT.
04/22/2020	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MS 39503	Web	Servicemember
XXXX XXXX XXXX This debt has been paid in full. Im fact, its one of the initial statements that is made when I call in for information regarding this matter. My companys payroll requires them to send in written confirmation either by mail, fax, or both in order for the garnishment to be ceased. This company states that they have done both, however each time a representative from my company contacts me they inform me that they have received nothing. I have requested & left messages numerous time for a member of management from the collecting company to contact me. There is is always an excuse or either a dead line on the end when they do call. This has been ongoing for almost a month now & this company continues to garnish wages that are no longer owed. They also have no record of a check that was sent to them in the exact amount of XXXX. This check was tracked & it has been ruled that a member of XXXX XXXX in fact received this payment on XX/XX/2020. No one has given me any legitimate reason why this payment was not posted to my account. This account is paid in full. There is money owed back to me that this company refuses to account for. I am only given the runaround time after time & paychecks are continued to be garnished.
01/25/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 91745	Web	Servicemember
I had a credit card a few years ago that was sent to a collections. I called to set up a payment plan to start paying it off and was told the balance was XXXX in XXXX I started making payments of XXXX and at this point have paid XXXX. I called to find out the remaining balance is thinking its XXXX or so and they are now telling me i owe an additional XXXX . I asked them to provide documentation and was hung up on. So I called back again and they said they could not provide the balance and they charge everyone XXXX payments of a XXXX until the balance is paid off but could not tell me what the balance was when it was sent to collections or what was added onto the payment. I asked to speak with a manager and was once again hung up on. I have pulled a my credit report and its reflecting the charge off was XXXX. I received a email from XXXX XXXX XXXX stating i needed to make XXXX payments of a XXXX even though i only owe XXXX even with interest it does n't make sense why they are charging me a extra XXXX nor will they provide any documentation as to what i am being charged for. I am trying to pay off this debt and they will not provided me with an accurate pay off nor are they being honest of what the extra XXXX is going towards.
08/31/2016	Yes	Credit card	Billing disputes	TX 76549	Web	Servicemember
I noticed my XXXX pension pay was short {$200.00}, I looked up my account and noticed AAFES took out {$200.00} for government indebtness. I paid my remaining account balance, {$3500.00}, on XXXX XXXX 2016. Prior to me paying my account off, my account was current. I talked to a customer service agent and she told me, she do n't know why money was garnished out of my account. She informed me that AAFES submitted a wage garnishment on XXXX XXXX 2016 for {$200.00}, but I made an on-line payment on the same day for {$2000.00} that had n't posted. The XXXX XXXX 2016 for {$2000.00} posted the next day. I do n't understand why a garnishment that supposedly took effect on XXXX XXXX 2016 is just now taking effect until today, after my account had been paid off in full. The garnishment should have never been processed any way. The customer service agent informed me that according to the system the {$200.00} garnishment is not in the system and to call back in two weeks to request a refund. It seems to me AAFES is double dipping by garnishing payments out of XXXX accounts, even though they made payments on-line. I need my money, {$200.00}, back immediately because that garnishment should have never been processed in the first place.
01/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	NC 28326	Web	Servicemember
The following dates indicate late credit card payments on my credit report : - XX/XX/XXXX ( Preparing for XXXX to XXXX ) - XX/XX/XXXX ( XXXX - XXXX ) - XX/XX/XXXX ( XXXX - XXXX ) - XX/XX/XXXX ( XXXX - XXXX ) - XX/XX/XXXX ( XXXX - XXXX ) - XX/XX/XXXX ( Permanent Change of Station - Relocation ) - XX/XX/XXXX ( Permanent Change of Station - Relocation ) - XX/XX/XXXX ( Military Training ) At the time of these late payments in XXXX, I was in the process of deploying/deployed to XXXX in support of Operation Freedoms Sentinel. As an XXXX XXXX Service Member, there are not always timely notices for combat deployments and/or Field Training Exercises. In XXXX, I was in the process of a Permanent Change of Station due to ongoing military obligations. In XXXX, I was attending military training with little to no internet or telephone access. I say that not to justify why the payments were late, but instead to show that the late payments are not a true indicator of my actual creditworthiness. Since that time I have been an exceptional customer paying every month on time. The late payments have been unsuccessfully disputed with the three major credit bureaus. I have enclosed a copy of my Duty Orders with this letter for reference.
01/09/2024	Yes	Credit card Store credit card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	CO 804XX	Web	Servicemember
I purchased a couple items from AAFES with their star card in accordance with their XXXX XXXX XXXX promotions. They failed to categorize the items as a no interest item. I discovered later they had been charging me interest. I contacted them numerous times regarding this. Eventually they applied a portion of the interior toward the principal. At the same time they moved the purchases to the promotional rate and applied a charge and credit against the account for ~ {$67.00} per the transactions listed however they only applied the random ~ {$67.00} to the account. At this point they still show the random ~ {$67.00} plus ~ {$81.00} in interest against the account. Since then, they did the same thing with the XXXX XXXX XXXX promotions. They again failed to apply the advertised promotional terms. To date that is an additional ~ {$31.00} for the new purchases I ran into similar during the XXXX sales however I could not prove the promotion. That was another {$2.00} that they stole. Part of their excuse was they were slow processing my payment which was a nightmare to make. Their system kept dropping my automatic payment and once made, they were slow to process it. All of this can be seen in the monthly statements.
02/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30116	Web	Servicemember
I established a Military Star Credit Card with the government company known as AAFES from the years of XX/XX/XXXX to XX/XX/XXXX. While I had the card I endured hardship i.e. divorce with a new child, moving apartments, buying furniture. No longer having the additional income of a spouse, I got behind on the Military Star Card multiple times but made payments as much as I could. I was XXXX discharged from the United States XXXX on XX/XX/XXXX due to injuries sustained from duty. I paid the Military Star Card balance off in full/entirely and closed the account on XX/XX/XXXX. AAFES performed a " hard '' close on the account so the account was sealed. Presently, AAFES is reporting to all three credit bureaus that the account had activity from XX/XX/XXXX-XX/XX/XXXX which included seven missed payments. Some 30 days, 60 days up to 90 days late. They took my past mistakes ( late payments ) I concurred before XX/XX/XXXX and reported them on the years of XX/XX/XXXX-XX/XX/XXXX when the account had been closed four to five years by then. They are tremendously impacting my credit negatively to keep updating this information. I have called numerous times about the issue just to be told " nothing can be done about it ''.
10/25/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TN 37167	Web	Servicemember
I have tried numerous times to make offers to pay off my credit card debt with AAFES and XXXX. They disregarded my past offers and made an offer at a time I could not accept due to not having the funds available of {$5000.00}. They told me today I owe $ XXXX which simply isn't true. When I left service the card was left at {$7000.00} and I have made payments for almost 5 years totalling over {$4000.00} in payments towards that card. Today I called them and offered to pay the deal of {$5000.00} and they told me no because time was up and I'd have to wait until next year. Well if my math makes sense the {$5000.00} I'd pay them would be more than I owed on the card when I left service to include the $ XXXX ive already paid. I'm trying to purchase a home and no lender will work with me until this ordeal is handled. If I need to contact legal representation, perhaps the CEO of AAFES and my local news channel I'm prepared to because this isn't right how I'm being treated. I am being shaken down for every possible XXXX they can obtain from me. I litteraly have thousands of dollars to pay them to rid this debt and move on with my life and this company refuses to budge! Where are their business ethics in all of this?
07/25/2020	No	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	TN XXXXX	Web	Servicemember
I became XXXX and unable to work due to my XXXX XXXX XXXX after serving 23 years as an XXXX. I received compensation from Social Security Disability, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ( XXXX ). The income is tax free and under most cases not subject to normal garnishment. However, since AAFES ( Army Airforce Exchanges /Post/Base Exchanges ) do business on Military Bases around the world by Civilian Contractors they claim that unpaid debt to the Military Star Credit Card is secured by the XXXX XXXX XXXX. XXXX allows any unpaid debt to be paid from Federal Tax Refunds. I attempted to contact XXXX by phone to determine if my XXXX tax refund was to be garnished. The person had no information about the COVID-19 exemption and stated that my last garnishment from my Social Security Disability was made in XX/XX/XXXX in the amount of {$220.00} that started in XX/XX/XXXX. I had made 5 payments totaling {$1100.00}. Then my XXXX tax refund of {$1800.00} was garnished as well. {$2900.00} has been collected by XXXX and my offer to settle the debt for the money already received {$2900.00} was denied and a counter offer of {$4000.00} was made. I told the person to get bent and that I would not pay anymore.
03/28/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CO XXXXX	Web	Servicemember
This is a complaint against XXXX XXXX card and take it home today. The original debt that was closed in 2013 was for {$3500.00}. I called to get a settlement for this account because Im trying to buy a home and this is a federal debt that had to be paid. When I called they told me because of interest and collection fees the debt is now {$8500.00} and that they only do settlements after XX/XX/XXXX because then everyone would call with settlement land from their tax money. They only way to pay the debt was in full the first so see I spoke with stated that even if I did a monthly payment of {$90.00} to pay off the debt I wouldnt pay it off in 100 years because the monthly interest is {$81.00} I was also told that I should ask my family for money if I wanted to pay off the debt. Then I was informed by the associate that they were a federally backed debt meaning even if it took them till I received Social Security eventually they would get their money so they had no reason to settle with me. Now because of this my family is losing out on an opportunity to buy a home and after 6 years of military service once more I get a slap in the face by the US government. My account number is XXXX my phone number isXXXX
05/08/2019	Yes	Credit card or prepaid card Store credit card	Incorrect information on your report Account information incorrect	CA 91324	Web	Servicemember
My Name is XXXX XXXX and I had XXXX XXXX XXXX while I was in the military, After I discharge from the Military I was not informed I had a balance due with XXXX XXXX XXXX I received no statements of any kind due to this my account went into collections. I was found out later in the XXXX that I had an account in collection for XXXX XXXX XXXX I paid this account and requested this account be deleted from my credit report AAFES sent me letter stating this account will be deleted however it has not been deleted and in attempt to delete this account has provided incorrect information to credit report agencies which are attached for XXXX it is saying my account in XX/XX/XXXX it was 120 days late which is not true and with XXXX it is reporting from XX/XX/XXXX to XX/XX/XXXX this account was in collections which is also not true because this account was paid in XX/XX/XXXX so from XXXX to XXXX my account should not be in Collections this is in Valuation for FCRA Fair Credit Reporting Act and the Military Lending act. also AAFES XXXX XXXX XXXX participated in aggressive collection act by taking money out of my Taxes and received a payment from myself which cause XXXX XXXX XXXX to receive a double payment.
07/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31313	Web
the following accounts appear on my credit report, without any authorization, they do not belong to me Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft MILITARYSTAR Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 12. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. Identity Theft XXXX Account Number : XXXX This is not mine. Identity Theft XXXX Account Number : XXXX This is not mine. 10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 12. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
08/14/2022	Yes	Credit card or prepaid card Store credit card	Other features, terms, or problems Other problem	NH 030XX	Web	Servicemember
I went on XXXX XXXX with the XXXX in XXXXXXXX XXXX XXXX and I contacted Military Star asking about SCRA Benefits. They provided an email address which was incorrect and told me this was the only way to get benefits. Around XXXX XXXX XXXX, I called to have pay off the card and have the late payment removed from my credit report. The representative accepted my terms and I proceeded with the payment. After completion of Payment the representative state she was not able to perform the removal of the remarks she agreed upon in exchange for payment. She gave me another email address and told me to contact the dispute department ; this address was incorrect again. After this issues I have filed multiple disputes with the Credit Bureaus and out of reprisal the creditor added another late payment which all three credit bureaus have dropped from my credit score. Additionally, this creditor sent a letter directly addressed to my employer with a partial account number and past due balance in direct violation of the FDCPA. I am supposed to be in a protection period under SCRA and NH State law from these actions against me and request the CFPB assist in protecting my rights under state and federal law.
07/02/2021	No	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NY 12553	Web	Servicemember
On XX/XX/2020 XXXX Submitted a response to the complaint that was blurry from pages 4 to 13. No images can be seen from their collection fee that was agreed upon or ever told to the servicemember. If consumer finance can review the entire file before closing the complaint it would help everyone involved as the so called explanation is unreadable please. XXXX can not provide any documentation on fees. I've had the funds for some time to pay the principle and interest off but am unable to as they wish to collect a fee. I have constantly asked for paperwork regarding their collection fee and none can be provided. This is happening to every veteran who unfortunately defaulted on the star card. I've had the funds to pay for awhile now, however XXXX has and is continuing to charge an illegal/ unexplainable collection fee of over {$1400.00} In the attached file the response from XXXX was : " Please be advised that the account balance may be periodically increased due to the addition of accrued interest, as provided in the agreement with the original creditor, or as otherwise provided by applicable law ''. No where indicating a fee, followed by a unreadable/ blurry statement ( pg 4 to 13 )
05/02/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NC 27501	Web	Servicemember
XXXX is a Collections agency for XXXX XXXX XXXX My account ( XXXX ) ended up in Collections in XXXX as a result of misrepresentation from a consolidation agency. Since then, I entered into an agreement to pay down the Collection debt with XXXX for $ XXXX. This payment was authorized as an automatic deduction from my checking account each month. For some reason, they terminated the agreement, then started sending threatening letters until I called to Re-establish the auto-draft terms of $ XXXX. In XX/XX/XXXX, my bank ( SECU ) and I called to receive a payoff balance letter to allow payment this debt in full. The Account was paid and reported as {$0.00} Balance as of the billing cycle ending XX/XX/XXXX. On XXXX XXXX, XXXX sent a bill for {$3400.00}. I have not made any additional charges on this collections account, however, XXXX has garnished our XXXX joint income tax returns in the amount of {$3400.00}! The pay off balance as of XXXX, XXXX was {$1900.00}. After confirmation from a XXXX representative, this amount was paid off with certified funds from my bank in XXXX, XXXX and the debt was reported to XXXX as {$0.00} balance as of XX/XX/XXXX. Therefore, I do not owe this debt.
04/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AK 997XX	Web	Servicemember
As if today XX/XX/20 I discovered my credit score had been deducted by 37 points due to the incorrect reporting of this company on my credit report. Not only did they mark my payments as late they also said I was delinquent when I made a payment. For the past 4 years I have been unable to make an online payment which is an inconvenience as being a service member I was in a area that did not have access to pay this card I called customer service and they were not able to assist me they said sorry and hung up.i am in a remote area with only one small aafes and its not close to where I am stationed. As service members we deserve the fair treatment if i could have been afforded the opportunity to pay online I could have avoided this and this negative impact to my credit. Now I will not be able to obtain any other opportunities of credit. I was in the middle of holidays and PCS in a area with family that had no access to a military installation and then a negative report was placed on my credit because I didnt have access to pay the bill. During this pandemic I am a XXXX worker and have been unable to make it to the store to pay again online payment would help me tremendously right now.
10/15/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	VA 238XX	Web	Servicemember
I had a charge off from a XXXX Exchange card. The amount of the debt was XXXX. I was garnished XXXX. I paid XXXX in XXXX and {$250.00} every month. With the garnishment and the payments made of to XXXX, I have paid the amount of {$3300.00}. I spoke to the company to see the status and they stated that I owed an additional {$1000.00}. I asked for a breakdown and they stated that they could not provide it. They stated that I owed {$4000.00} and I was still collecting interest every month. I requested a copy of the original debt and they refused. I asked how much of this debt was paid to the original creditor, I was told {$2900.00} and the rest went to them. I stated that the account should be paid in full. They just continued to argue and tell me if I would pay my bills then I would n't be in this situation. I asked for my payment history and the original debt. I asked them to remove my debit card from the account until further notice. He refused and stated that they will get their money. I do n't owe anymore so I do n't understand. I have paid the balance on the chargeoff of XXXX, I have paid an XXXX in addition to that amount and they are telling me that I owe {$1000.00}
09/29/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	FL 322XX	Web	Servicemember
Military Star Card contacted my military command via paper mail directly to my Commanding Officer, which caused disciplinary problems for me. According to 15 U.S. Code 1692c ( a ) ( c ) - Communication in connection with debt collection, Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ; at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. XXXX XXXX, a Customer Response Technician responded by saying " Hello XXXX XXXX, Thank you for contacting the Exchange Credit Program. To address your concerns, on XX/XX/2023 you were mailed a letter referencing the past due status of your MILITARY STAR account. Please review the attached document. If your account is past due 3 or more payments, this reflects a delinquent status. Therefore, a system generated letter will automatically be sent to your Unit Commander ''. This is a clear violation of 15 U.S. Code 1692c ( a ) ( c )
06/26/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NY 133XX	Web	Servicemember
I had a original credit card through Military Star Card that the limit was {$5400.00}. I XXXX from the XXXX in XX/XX/XXXX and in XX/XX/XXXX I received a letter stating that Military Star was going to be taking {$170.00} per month from my XXXX check. I received a phone call today from XXXX XXXX with XXXX XXXX XXXX XXXX saying that he was a debt collector trying to collect a debt for Military Star Card and it would be around {$5000.00}. I explained to him that I having been paying Military Star Card every month in the amount of {$170.00} from my XXXX check. He put me on hold and looked into it and continued with owing them around {$5000.00} and the reason that the amount has not went down is because of the {$69.00} interest charge that is being charged each month for not paying. I called Military Star card and talked to XXXX and she explained to me that the debt has not been owned by them since XX/XX/XXXX. I asked where the money from my XXXX check was going to and she explained to me that they are allowed to collect that because I have had a debt with them. Can you please help me to find the proper resolution to this problem. Thank you for your help.
01/26/2016	Yes	Credit card	Billing disputes	NV 890XX	Web	Servicemember
I placed a hotel reservation with Government Vacation Rewards for {$1000.00} on XXXX/XXXX/2015 with my Military Star credit card ( transaction reference # XXXX ). When I arrived at the hotel, I was told my reservation was cancelled. I had to purchase a reservation at a different hotel using a different credit card. I have been trying to get the charge credited back to my Military Star card from Government Vacation Rewards since XXXX XXXX, 2015. While fighting with GVR, I have only been able to recoup {$87.00}. I filed a dispute with the Military Star card XXXX XXXX, 2015. I received a letter approximately XXXX XXXX, 2015 stating they were taking the matter out of dispute, and I need to contact Government Vacation Rewards directly. This is completely unacceptable! Furthermore, I purchased an item from the AAFES website that never arrived. I was credited back the amount of the purchase, but not any interest. I was told by XXXX XXXX that he would credit the {$8.00} interest on XXXX/XXXX/2015. I have not been able to speak to this person since that time. I need that interest and all associated interest charges on the {$8.00} credited to me as well.
05/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77320	Web
I have sent an email per your directive in response to my CFPB complaint. I was informed when I called initially that I will receive a response within 7 days from the date I sent the email and now I am being informed that it will be within 90 days. I have disputed this item previously and you stated that it was verified. Was an investigation not processed from my initial dispute? My initial dispute letter to the credit bureaus is dated for XX/XX/2023. I initially wrote a letter to the credit bureaus disputing the account and informing them that I am a victim of identity theft. The debt is not mine. I have enclosed my Identity Theft Report and the letter that was sent to the bureaus informing the bureaus of this. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when providing information to credit bureaus. The Notice also states that if a credit bureau notifies you that information you provided may be the result of identity theft, you must stop reporting the inaccurate information and you can not attempt to sell or transfer the fraudulent debts to another party for collection.
04/12/2017	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	TX 786XX	Web	Servicemember
I opened a credit card with Army Air Force Exchange Services ( AAFES ) in XXXX. In XXXX I was separated from service with the XXXX XXXX with a debt I could not pay and I remained unemployed until XXXX. The debt was sold to XXXX XXXX XXXX in XXXX while simultaneously Treasury Offset was initiated by AAFES. Recently ( XXXX ) I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX telling me that the balance that I owe was several thousand over the initial debt and that XXXX was attempting to garnish my wages. I contacted AAFES to provide me with the initial debt amount, I was told by a representative that they did not have that information. AAFES has collected my tax returns since XXXX leaving me with nothing and has allowed XXXX to charge interest on my debt while not providing any evidence to support the continued offset of my tax return. I have contacted XXXX for verification of debt with no response. I am currently seeking legal counsel for this blatant disregard of Federal law simply because AAFES is considered a Federal Agency. Please advise or take action on this matter, I am not the only one who has been placed in this situation.
11/27/2015	Yes	Credit card	Closing/Cancelling account	WA 984XX	Web
I recently received a military star card about a month ago and began using it almost immediately. I called to extend my credit limit and begin making payments in a timely manner days later. I logged in one day to check my account and saw my retail limit was increased as requested for {$500.00}. My retail credit limit started at {$600.00} total, then was increased to {$1000.00}. After that I tried to make a purchase days later and it showed as declined. I checked my balance again online and my credit limit was suddenly in the negative {$75.00} in spite of no new purchases being made. A day or so later my credit limit was increased by about {$50.00} which I very quickly spent on dog food before it disappeared! I called today to make a complaint about it and they told me I was n't eligible as of 10 days ago. I received a bill but NO notice and the customer service worker & supervisor I spoke with were absolutely deplorable refusing to say anything other than I 'm no longer eligible for an account. Although my account is not shown as closed online. My first bill is n't even due yet for almost a month! And the payment is only {$19.00}.
06/13/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 76134	Web	Servicemember
Today, I contacted both the Exchange Credit Program and XXXX XXXX XXXX to inquire about a debt that incurrent in XXXX of XXXX . I was told that the balance on the account as of today was {$2800.00}. The original balance on the account was {$2400.00}. The company has already taken {$1300.00} from my tax returns. I never received notice, a court order or anything stating that my tax returns would taken. I was told that the account had a collection fee and interest since XXXX XXXX , XXXX by XXXX . I was told by the Exchange Credit Program the account was not transferred to XXXX until XXXX . I have received zero proof, a letter stating they were collecting the debt but the account is still being reported on my credit report. There are some many things wrong with the situation. ( 1 ) The incorrect balance and added fee ( Which maybe be against the law ), ( 2 ) Reporting to my credit report without notice ( 3 ) Garnishment of tax returns without notice. ***The exchange credit programs acts as if its a federal agency doing whatever it wants to do because it offers credit to military members. ******
07/16/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 53083	Web
I have been disputing several accounts with XXXX XXXX, Military Star Card, and XXXX XXXX XXXX XXXX that are negatively reporting on my credit reports. I have requested debt validation statements and information in writing showing that I owe a debt with the companies in question and the debts legitimacy with proof of signed contracts agreeing to the debts, and statements showing I personally accrued the debts and if the companies in question can not furnish all documents proving the legitimacy of the debts to the three major credit bureaus and myself via XXXX certified mail with the companies in question or to have these accounts removed from my credit reports. And have no future reports to my credit from the companies in question. All request have gone ignored and not furnished from any of the companies in question. I have also disputed the inaccuracies with the three major credit bureaus and they have no removed the items. As of today XX/XX/2021 I spoke with a XXXX representative and I was told a creditor can report whatever they want to my credit without supplying any information of the debt being legitimate.
10/23/2015	Yes	Credit card	Billing statement	NJ 08054	Web	Servicemember
I have my account setup on auto-pay for the entire bill amount. I have several emails from the Exchange Credit Program going back many months saying my payment has posted without issues. I got a letter from them on XXXX XXXX XXXX claiming they had not received a payment in XXXX months and that my account was about to go into collections. After this I tried logging-in to their system to make a payment and was repeatedly told that my information was not in their system. Today, XXXX XXXX XXXX, a payment was made without my notification for the total amount of {$1200.00} owed. Although I had intended to pay the debt, I had not intended to pay the entire debt as this puts me in a financially precarious situation where I will be strained for the rest of the month, and likely the next month or two. I am complaining in the manner that this debt was handled, without my knowledge or consent. If their system could suddenly pay the debt, why could they not collect for the last two months? If their system could not collect the debt, why were they telling me that the payment posted? Thank you for your looking into this matter
01/25/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 30907	Web	Servicemember
The choices for this complaint do not contain options on how to accurately report this complaint. That being said, I have recently started making monthly payments on my Military Star Card account that went into collections and is managed by XXXX XXXX XXXX. Each payment is for {$50.00} a month but it is being reported either by Military Star Card or XXXX XXXX XXXX that I'm only making {$48.00} payments. Furthermore, the balance on account statements do not match verbal balance statements that XXXXXXXX XXXX XXXX claims I owe on the Military Star Card and repeatedly states it does not own the debt and only Military Star Card reports on the card while Military Star Card says it does not manage the debt and can not control what XXXX XXXX XXXX does when I've attempted multiple time to ask about how my payments were being applied and why they are asking for hundreds more verbally than what they report on my statements that I owe. I need a complete and accurate balance for my account with a clear listing and explanation of all charges on the account and why the full amount of my payments are not going towards the account.
06/17/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 310XX	Web
I have disputed this error a number of times. Either XXXX or Military Star can not grasp what Military Star has done. I had a collection account with Military Star Credit Union ( account number XXXX ). When I made arrangements to pay the last {$900.00}, Military Star Credit Union set up a separate account number for me to make those payments ( XXXX ) I completed those payments and this account shows a XXXX balance. BUT THEY LEFT THE FIRST ACCOUNT ON MY BUREAU WITH A BALANCE OF {$900.00}. This is a violation of my Fair Credit Reporting Act Rights. And since I have now disputed it 3 times, it should be considered an act of " willful negligence '' which carries punitive damages with it. How may Military Star Credit Union customers have old collection balances that they have already paid, sitting on their credit bureaus because of this internal process of creating a separate account for paying them off? How many credit scores are artificially lowered due to this negligent act? This would be a prime example for the CFPB to publish on Consumerfinance.gov so that other consumers aren't sucked into the negligence.
11/25/2019	Yes	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	VA 23453	Web	Servicemember
My complaint involves the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX and the Exchange Credit Program ( ECP ) that manages the STAR Card. The card has a retail balance, which carries an 18 % interest rate and a military clothing balance, which carries a 0 % interest rate for 8 months. In early XXXX, I purchased {$500.00} of military uniforms, which should have carried the 0 % rate. I discovered this week ( XXXX XXXX ) that the balance was instead placed on the retail side. I contacted the ECP to find out what happened, and the operator ( XXXX, no further information ) stated that she submitted the request for the correction, but the department in charge would have to decide whether or not to approve. I feel I've worked in good faith to correct this problem, but ECP seems to treat the error as an inconvenience ( I was originally directed to take my problem to the store with my receipt ). I just want the balance of the account to be reflected appropriately -- under the military clothing side ( 0 % interest rate ) that I was made to believe at the time of purchase. Any interest accrued on this account needs to be reversed.
06/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	VA 22191	Web	Servicemember
I contacted AAFES a few weeks ago asking them to delete late payments. I explained to them the reason why I was late and my efforts to make sure it never happens again. I never got a response. I had to call to learn my request was denied. I am disappointed because as a XXXX, I would think AAFES would work with military members. They did not explain why my request was denied. To make matters more confusing, AAFES was garnishing my pay so I safely assumed that would be the normal thing until the account was paid, which is why I stopped paying online. It didn't make since to pay the bill more than once. I was never notified of the garnishment and I wasn't notified when it stopped. I signed up for a payment plan to make sure I make the same payments on time. I'm even willing to pay more towards the loan if someone would assist in removing the late payments. I am asking for compassion due to the fact I fell behind on payments because I had to get a new vehicle the same month I started a new job. All of this I also explained and I got no help, guidance, or sympathy. All i'm asking is for someone to work with me.
04/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX XXXXX	Web	Older American, Servicemember
A new acct showed up on my credit report from XXXX XXXX, the Army Airforce Exchange service. I am not eligible for an acct from them as I am not a retired veteran. I disputed the new acct with the credit agency and it was removed. I thought the matter settled until I received a notice from a collection agency, XXXX XXXX XXXX, trying to collect a debt that I had no information on. The materials supplied by the collection agency is not legible and contains no information on the debt other than charge amounts and interest applied to the acct. No information on when the acct was opened, or what personal information used to open the acct. No acct. number, no information on what was purchased nor where it was shipped to. I have asked for all pertinent information but only received back what was sent previous. I contacted AAES directly but still was shuffled back to the collection agency. I was told to file a police report but am not able as I am working out of state and have no information to complete a report. I just this week received a notice from XXXX they intend filing wage garnishment against me.
01/24/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	WA 984XX	Web	Servicemember
In XX/XX/XXXX i obtained my credit report and found several incorrect information. Among these were the account listed with XXXX XXXX credit card. In late XX/XX/XXXX i sent a letter to all three credit bureaus requesting a letter of validation of debt. Neither one responded. Late XXXX i sent in a second letter of validation, which i have verification that they all received my second letter on the XX/XX/XXXX. Neither one has responded. XXXX XXXX has threatened to garnish my federal tax refund for a debt i did not approve, make, or do. They have not validated this debt. My information has been compromised and they have yet to prove that I am legally responsible for this debt. I get several calls from them DAILY!!!! I have spoken to a woman in the fraud department, XXXX, and her response was to email the fraud department. I emailed the fraud department and i have yet to receive a response. This has caused an emotional stress on my health dealing with this company. No one can give me answers why and how my information was stolen to open this credit card, yet they can call, harass me and threaten me.
10/13/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33810	Web
I am a victim of Identity theft. I live in XXXX, Florida and here the residents do not report this to the police, they told me to simply fill out the FTC report ( and I have done that ). I am getting alot of blow back by the credit bureaus and the companies on my report because I do not include a police report. I then tried to fill out a police resort in the next county to me ( XXXX ) and that was denied because I do not reside there. I have accounts, inquiries & incorrect spellings of my name that have not gotten corrected because of my lack of paperwork. I have been trying to get this resolved since XX/XX/XXXX. The following are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
10/06/2017	Yes	Credit card or prepaid card Store credit card	Fees or interest Charged too much interest	NC 283XX	Web	Servicemember
I was on a XXXX XXXX from XXXX XXXX until XXXX XXXX. I submitted my XXXX Orders to AAFES via mail in order to request and receive the XXXX Benifits on my Account. The Exchange Credit Program offers XXXX benefits to all eligible XXXX XXXX and Mobilized or Activated Reservists or XXXX XXXX XXXX Members who have valid orders to deploy to qualifying contingency locations. While I was XXXX, I would still be able to make purchases, but I would not be required to make monthly payments and my interest rate should have been temporarily reduced to six-percent ( 6 % ). After my XXXX ends, my interest rate reverts to the rate in the current Exchange Credit Program XXXX XXXX and I would be required to make monthly payments as long as my account still has a balance. I contacted AAFES every month about this issue, and have continued throughout the duration of my XXXX and every month afterwards via mail, and email. This caused a significant financial stress, and caused me to fall behind in my other bills because I was not anticipating to have to make the monthly payments for the entire year of the XXXX XXXX.
02/21/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	VA 223XX	Web	Servicemember
In XXXX My Aafes accounts were transferred to XXXX. Th credit limit of the Military Star card was {$6000.00}. There was about {$5000.00} charged to the card. The Take it Home Today card had a credit limit of {$8500.00} and there was an outstanding balance of about {$7200.00}. ( I do not have exact amounts ) My taxes have been offset through the TOP program each of the following years : XXXX {$8500.00} XXXX {$2300.00} XXXX {$1800.00} A few weeks in a notice dated XX/XX/2017 I received a notice that I have an outstanding balance of {$24000.00} Yesterday XX/XX/2017 I called and requested an itemized list of fees and charges and was told they do not provide such information. The combined maximum credit for the Aafes accounts was {$14.00}, XXXX. Payments through tax offsets have already totaled {$12000.00} I am not sure what my rights are, but these fees and penalties seem unbelievably high. I want to address this so I can resolve it once and for all but I have no idea what I am being charged for. These collection practices are horrible. Any assistance you can offer will be greatly appreciated.
05/12/2021	No	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	SC 29906	Web	Servicemember
I have gone back and forth with Military Star, XXXX ( Store ) and AAFES. Each has said I need to contact the other. I have been charged for furniture that I never received. According to he FTC, this is illegal. Yet they put it on my credit report and then had my taxes garnished as well as my XXXX. Basically I feel that even though I have told all three the error, each wants to pass the blame on the other and still put it on my credit report and take my money for merchandise NOT received. I have made it crystal clear many times that this is the fact. Yet they illegibly took the money anyways. I have sent emails to several government offices for help and am asking for interest and fees as well as for damages done to my credit. All agree it is a mistake, but none want to correct it and continue to cause me harm, so I will be perusing every legal channel possible. I've written and spoken in person and on the phone several times to different parties. Again, everyone agrees it is a mistake and act shocked that I am billed for something I didn't receive, but no one wants to correct the problem.
04/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92618	Web	Servicemember
I first filed a complaint with CFPB on XX/XX/XXXX regarding this issue. On XX/XX/XXXX, XXXX XXXX XXXX provided " debt validation '' as response. This " debt validation '' document was impossible to read and completely illegible due to low resolution. After further communication with XXXX XXXX XXXX, XXXX XXXX, Division XXXX of XXXX XXXX XXXX, requested a clearer copy from their client, " Army & Air Force Exchange Service ''. On XX/XX/XXXX, XXXX XXXX forwarded me a clearer document from the client ( attached ). This document is a " Civil Recovery Demand ''. Under the FDCPA, a debt is defined as a consumers obligation to pay money arising out of a transaction in which the money, property, insurance or services [ being purchased ] are primarily for personal, family or household purposes ( 15 U.S.C. 1692a ( 5 ) ( 2011 ) ). There was no transaction or any record of transaction between myself and the client, " Army & Air Force Exchange Service ''. There is no court action, pending or otherwise. There was no lawsuit or civil action. Therefore, this is not a " debt '' that is collectable.
08/15/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MI 48843	Web	Servicemember
Military Star Card personnel allowed individuals to change my home of record. After multiple attempts in the month of XXXX my home of record address was changed to an apartment in New York. Without verifying my DOD # or verifying via DEERS my account was redirected. This prevented any written correspondence to reach me in Michigan. This dereliction by Military Star Card allowed my account to go into default. My credit scores dropped 72 and 75 point on 2 bureaus. I eventually became aware of this in XXXX when I attempted to make a purchase online via AAFES. This is when I became aware of my defaults status. Three telephone conversations lasting over 3 hours I thought I had everything solved. Today I received a notice that a garnishment had been initiated by Military Star against my Military Retirement Pension. This is unfathomable!! How can a Credit Card company just sit back, destroy an individuals credit and reputation without even attempting to call or contact the individual that a change has occurred to your personal information, or this how we are going to correct our mistakes
08/08/2016	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	NC 27405	Web	Servicemember
Army & Air Force Exchange Services transferred my debt to a collection agency called XXXX XXXX XXXX XXXX I never received a letter or phone call from XXXX until I was buying a house. Then I received a letter stating I owe {$3800.00}. I asked the customer service rep what this was all about? She stated that they sent a letter to the address, [ left blank intentionally ] XX/XX/XXXX. I asked if they tried to call me. She stated, " No. It is not our practice to make outbound calls, we just send letters. '' So I told her that I had not lived at that address since XX/XX/XXXX-XX/XX/XXXX. She was silent. So I asked if she could bring the payment to what is showing on my credit report? She stated that I would have to call the XXXX office to make a settlement offer. When I call, they said that I owe {$3800.00}. It had occurred almost {$40.00} within 8 days of the letter being sent through the mail. I talked to XXXX XXXX and he said he will submit the offer up to the client and it should take 14 business days to hear something back. I offered to pay what was on my credit report of {$2400.00}.
05/21/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	MD 210XX	Web
My information was used to obtained services to opened an account ( MILITARY STAR CARD/Army & Air Force Exchange SVC ) that I was unaware of and gave no permission to do so. The account was opened on XX/XX/XXXX with a Credit limit {$4000.00}. It currently shows on my credit report since XX/XX/XXXX an outstanding due balance of {$6900.00}. This account was obviously opened fraudulently without my permission and need this account to be removed off my credit under the ( Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The address used in associated with opening this account was XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX. I have no knowledge of this address. This information is in violation for inaccurate reporting under FCRA. The reporting is negligent and erroneous data in the way the company is reporting this information and is in violation of the FCRA. XXXX, XXXX and XXXX is in violation of this reporting! Immediately remove this account from my credit file immediately within 30 days! I will file a lawsuit in this matter if this information is not removed immediately!
05/19/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 92555	Web	Servicemember
I never received a statement until recent months. I work with XXXX XXXX XXXX in XXXX at XXXX hit hard by COVID 19 and poverty. I did had no knowledge of a garnishment played on me because nobody ever cared to call or e-mail me. I asked why not call me instead of garnishment? We dont call millions of customers everyday. Millions of customers getting sent to the feds for garnishment? Excuse my sarcasm miss but this is bogus. So you reported me the same company late on one hand miss, and with the other you reported me and on time in the same month with the same company on another account? Why reestablish my account and put harm on me then. I figured I was moving forward during a pandemic. Finally was able to pay and bammmm here is your reward : 3 late marks and a collection account I did not see coming. Three consecutive late marks appeared : XXXX, XXXX and XXXX. Seems bogus since I just bought my dad an XXXX XXXX using my star card. I may cancel my account anyhow and inform the exchange that I cant deal with this harm to me. It is destroying my credit at a time I need it the most.
04/17/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 277XX	Web
Someone stole my identity and took these credit cards out in my name and forged my signature and lied on the application that was filled out to get the credit cards. This company did not do proper research on these accounts. I have already reached out to transworld systems company on numerous occasions and each time they are rude or they hang up in my face and do no not help me at all. This is not my debt a family member or a family members friend used my information and opened these accounts in my name and I am suffering because of this. I am not responsible for these charges and I was never affiliated nor in the army or air force. I want these debts released from my name and this cleared. This company has this debt with XXXX XXXX and they have been very rude to me hanging up in my face. I called the company and told a supervisor and nothing has been done. This is not my debt and army and air force called me and told me that they know that this debt was opened up fraudulently and I am still being held liable for this. I want this debt removed from my name completely!
01/31/2021	No	Credit card or prepaid card Store credit card	Other features, terms, or problems Other problem	MO 650XX	Web
I paid my Military star card amounting to {$140.00} last XX/XX/2021 but when I looked at my bank account after a few days I had a charged of {$270.00} from AAFES. The Credit card company over drawn more than I actually paid which is the only amount I can afford and allowed for that bill. This is not the first time it happened to me and I looked the other way that time. But what they did is not right! Why would they take out {$270.00} when I just authorized to pay {$140.00} which is the XXXX statement. I even received a confirmation email stating the amount paid, the date and a confirmation number. The 2nd time I called and talked to the customer service representative the person I talked to sounds like smirking and laughing at me. Like seriously, my issue isn't a laughing matter. What if it happened to her? How would she feel if she got an overdraft because the credit card company withdrawn more than what you paid for and have a budget for? Sometimes people need to show more empathy which nowadays is lacking especially if you are working in a customer service job.
05/21/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MD 210XX	Web
My information was used to obtained services to opened an account ( MILITARY STAR CARD/Army Air Force Exchange ) that I was unaware of and gave no permission to do so. The account was opened on XX/XX/XXXX with a Credit limit {$4000.00}. It currently shows on my credit report since XX/XX/XXXX an outstanding due balance of {$6900.00}. This account was obviously opened fraudulently without my permission and need this account to be removed off my credit under the ( Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The address used in associated with opening this account was XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX. I have no knowledge of this address. This information is in violation for inaccurate reporting under FCRA. The reporting is negligent and erroneous data in the way the company is reporting this information and is in violation of the FCRA. XXXX, XXXX and XXXX is in violation of this reporting! Immediately remove this account from my credit file immediately within 30 days! I will file a lawsuit in this matter if this information is not removed!
05/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 31313	Web
On XX/XX/XXXX, My account with MILITARY STAR was transferred to their collections department ( XXXX ). On XX/XX/XXXX, I paid the collections in full through XXXX. Upon comparing my XXXX consumer report, MILITARY STAR is currently reporting as closed however the current payment history is reporting active collections. How is this possible when the account was paid in full through collections ( XXXX ) and closed? How can a closed and paid off account still actively reporting? This a violation of my consumer rights pursuant to 15 USC 1681 Upon comparing my XXXX report, MILITARY STAR is currently reporting as closed however currently reporting on time payments. How is this possible when the account was paid in full through collections ( XXXX XXXX and closed? How can a closed and paid off account still actively report? This a violation of my consumer rights pursuant to 15 USC 1681 Upon comparing my XXXX XXXX report, MILITARY STAR is accurately reporting as closed/paid and no payment history. This further proves the inaccurate reporting to XXXX, and XXXX.
07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95949	Web
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer reports as they are in VIOLATION!!! Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!.
04/28/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX XXXXX	Web	Servicemember
Sadly, AAFES never responds to my inquiries unless I file a complaint with the CFPB. My alleged debt ( will be disputing what was collected ) has been repaid. I am attaching a copy of my final statement. The final payment was made when my income tax return was off-set for {$1300.00}. I contacted AAFES by email on XX/XX/XXXX, requesting verification that it had contacted XXXX ( my employer ) to stop garnishing my military retiree pay. My retiree pay has been garnished since XXXX. This unprofessional company - AAFES did not/has not responded. I received my military retiree account statement for XX/XX/XXXX. AAFES is still garnishing my pay. AAFES also illegally assessed a {$17.00} " payment fee '' ; this is in violation of Federal and State laws as unfair fees. My request is simple, AAFES needs to notify XXXX to stop garnishing my pay for an alleged debt that has already been repaid soonest! I am also owed a refund in the amount of {$280.00}, the amount that has already been sent to AAFES for the month of XXXX, for a debt that has already been repaid.
05/27/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	SC 29229	Web	Servicemember
I contacted XXXX XXXX to pay off a debt that is incorrectly being garnished from my federal XXXX annuity. Total due was {$480000.00} My check has been garnished since 2021 but I noticed that the total amount was wrong. But, in order to stop garnishment, I was willing to pay the TOTAL AMOUNT DUE. The collector said that he wanted an additional XXXX in collections fees to close the debt. after trying to explain I had paid two years of collection fees and penalties, that there is no need to incur fees when i am coming today to pay the debt owed to AAFES XXXX XXXX XXXX in full today. They refused to take my money. I guess they know that if I dont pay, the will receive thousands of dollars in future collection fees. This is a debt collector hired by the government to collect a debt. I am willing to pay off the full balance. I tried to call the orginal creditor and they refused to take my full payment as well. Im a XXXX veteran, I have very little money. I am trying to make good on a debt and they wont let me pay it off. Is this what I served XXXX for? Really?
05/15/2021	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 857XX	Web	Older American, Servicemember
XX/XX/2021 Encounter a Fraud and Identity theft from Military Star Card that doesnt belong to me account # XXXX total amount XXXX had so been reported XXXX Customer Service From Military Star, and again on XXXX XXXX to so collection started taken on my social security account to reimburse debt, that doesnt belong to me and not responsible. I never had received any information or letters from Army and Air Force Exchange. XXXX XXXX when I notified Military Star Customer XXXX Service about fraud on my credit report they question asking for full name, XXXX City, State ZIP Code, and full social security number. Temp place on hold there after ask that my Identity theft being used, will close account and that I didnt had to pay on theft amount. They been so told to present I had never had a Military Star Card Account. I prefer a federal investigation into this identity theft who committed a crime, and question Military Star for answers to collection on my social security, and where, what address city and state identity theft military star card was mailed.
11/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 378XX	Web	Servicemember
There had been 2 accounts compromised after I had filed bankruptcy ( my social security has been scanned and detected on the dark web ). One was a merchant credit that had been charged to the max limit. I've disputed and it seems like it was removed from my credit but I still receive debt letters from the company about the balance. The other was a credit card that was not opened by me and apparently charged to the max. I contacted the company several times ( XXXX XXXX XXXX ) about the card and they closed the account and i filed a dispute several times without any success. I don't have any documentation because I never opened the account so I don't really know what I can show to prove it wasn't mine. My wife also had the same problem with a card opened in her name without her knowledge and we've been fighting them on this for well over a year now. I had just filled bankruptcy because of my credit being screwed up and also had a credit freeze for a year. I'm getting no help from my side and hoping you can resolve this once and for all.
07/07/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MN 563XX	Web	Servicemember
Someone fraudulently opened an account with military star / AAFES in XXXX of 2019. I have been consistantly calling AAFES / Military star as well as their collection agent XXXX XXXX For the last two years and they have done very little to satiate my need for relief. I have started multiple inquiries into the matter at great expense to myself ( purchasing a printer, sending multiple copies of ID and signatures, police reports, etc. ) and they have done nothing. I have requested proof that the debt is mine and they failed to provide it on several occasions while simultaneously stating that it is my debt and that I need to pay it. I have gone over two years without being able to use my credit since they are on my credit score as being in collections for {$6000.00}. This is causing great pain and suffering in my life as I am unable to buy vehicles on credit, un able to buy a home, and last year they garnished my federal tax return even though I have been fighting with them for 2 years through their fraud team to try to get this removed.
05/11/2016	Yes	Credit card	Billing disputes	MD 21009	Web	Servicemember
I have an account with the Military Star credit card, issued by the Exchange Credit Program, XXXX. XXXX XXXX XXXX, TX XXXX. I made a purchase on this account under a promotional zero interest plan. The company intentionally prevents payments made from being applied to the no interest balance, in order to carry that balance through the end of the promotion which would then begin earning interest. There are no materials or billing information listed either in the promotion materials, or the billing statement, that tell consumers that they have to request each time a payment is made, exactly how that payment would need to be applied. Without their knowledge, the agency automatically applies the payments to the non-promotional balances, including when additional payments are made or when no payment is due. This will cause all of the military customers to begin earning interest on a balance that they believed was paid off before the promotion ended. I find this to be a predatory practice, specifically targeting young service members.
01/27/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 32563	Web	Servicemember
This company continues to report failure to pay status ( over 120 days ) on my credit report in a malicious act to destroy my credit. I have copies of all cleared checks going back 12 months that I have to submit every month in disputes with this company. This company forces their debtors to use third party debt collector ( XXXX XXXX XXXX ) in their repayment process, at an upfront cost of {$500.00}, and automatic payments. These payments do not reflect against your debt balance. I refused to be tricked by these unfair collection tactics ( DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT ), and sent my payment by check to the original company ( Army and Air Force Exchange Service ). On my checks I put my correct, ( Army and Air Force Exchange Service ) account number, but fees were still deducted and sent to XXXX XXXX XXXX. I have delivered copies of cease of unfair collection practices, and intent to file suit, if this action continued with this company. This will be my last step before obtaining legal counsel.
06/02/2016	Yes	Credit card	Delinquent account	AP XXXXX	Web	Servicemember
Since XXXX XXXX, I have made payments to the Military star Card on time. Each time I made a move, I changed my address. In XXXX XXXX, I moved from XXXX to XXXX XXXX and I was receiving statements at my new address. Around XXXX XXXX I realized I was not receiving any statements from the Military Star card and so I decided to call the company and ask them why. I was told by the lady on the phone that they were sending my statements to my XXXX address even though I had been living in XXXX for over a year and a half. The lady said my statements were once again going to my XXXX address and she did not know why. I then changed that address again with her over the phone. She also informed me that I had a payment of {$44.00} due so I immediately paid it off with her over the phone. I have been receiving my statements at my XXXX address ever since. When I pulled a credit report recently, it showed that I have a 30 day and 60 day late payment with the Military Star card for a time period where my statements were going to XXXX.
06/27/2021	No	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX 761XX	Web	Servicemember
Military star card has violated my consumer rights and damaged my consumer report rating and as a consumer/natural person I have recently learned my rights under title 15 and would like the account removed pursuant to 15 usc 1681c ( a ) ( 4 ) being thats it is a charge off and military star took a portion of my 2020 tax return and didnt notify me they would. I believe that action was illegal and unethical to take money entitled to me and my family and I would likely have the funds returned to me and the tradeline removed from my consumer report. Military star card has violated my rights by sending me deceptive forms leading me to believe that i owed an alleged debt that they never once verified. The account cant be verified because I am the original creditor according to title 15 an I do not validate this debt. This account has also been a deciding factor is the cancellation of my security clearance and stopped me from gettin a new security clearance with my job XXXX XXXX which has stopped my career advancement.
06/27/2021	No	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX 761XX	Web	Servicemember
Military star card has violated my consumer rights and damaged my consumer report rating and as a consumer/natural person I have recently learned my rights under title 15 and would like the account removed pursuant to 15 usc 1681c ( a ) ( 4 ) being thats it is a charge off and military star took a portion of my 2020 tax return and didnt notify me they would. I believe that action was illegal and unethical to take money entitled to me and my family and I would likely have the funds returned to me and the tradeline removed from my consumer report. Military star card has violated my rights by sending me deceptive forms leading me to believe that i owed an alleged debt that they never once verified. The account cant be verified because I am the original creditor according to title 15 an I do not validate this debt. This account has also been a deciding factor is the cancellation of my security clearance and stopped me from gettin a new security clearance with my job XXXX XXXX which has stopped my career advancement.
06/12/2019	Yes	Credit card or prepaid card Store credit card	Incorrect information on your report Personal information incorrect	AZ 85340	Web	Servicemember
Dear Sir or Madam. My XXXX and I are both XXXX XXXX XXXX. When we were reassigned to Arizona from XXXX we filled out the change of address form with the military postal office. However, our mail did not get forwarded and our credit card companies did not receive our new address. This resulted in our AAFES Military Star Card bill not being received for months. The last charges were made in XX/XX/2018, the same month we left XXXX. We made no new charges after that date. I didn't receive any calls, emails, bills or notifications until I got a message from a credit monitoring service about a change in my credit report. As soon as I got the message, I immediately paid the bill in full. I don't believe I have ever been late or not paid the bill in full before -- after having the card for many years. We'd like to purchase a home, but the delinquent report on my credit from {$130.00} is going to cost us {$7000.00} extra because it dropped our credit score 30 points. Can you assist? Sincerely, XXXX XXXX
05/01/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 90028	Web	Servicemember
This debt collector continues to garnish my Tax refunds without ever sending proof of debt. Ive never received a phone call or written notice from them. Ive called them several times to get proof of debt for over a year now, without success. They continue to collect interest on the debt and whenever I call they provide me with inaccurate payment information. Last year my debt was {$1600.00}, they applied my tax refund of {$1300.00} this year. Yet, my valance is {$1700.00} now. Please I need some assistance. They say they dont know why my balance went up by over {$1000.00} within a month that they need time to disputed with the original creditor. Meanwhile, continuing to collect interest on the debt. At the same time refusing to provide me with the original creditors point of contact. They keep saying that it is pointless for me to call the original creditor. While i keep on insisting to please provide me with a number so I can call them. I dont know what else to do. Please help me resolve this issue
04/20/2017	Yes	Credit card	Transaction issue	TX 75154	Web	Older American
XXXX XXXX , 2016, XXXX XXXX credit card deducted XXXX allotments from my military retiree pay. XXXX in the amount of {$74.00} and XXXX in the amount of {$67.00}. AAFES applied the {$74.00} to my balance, but to date has not applied my {$67.00} payment. AAFES has ignored every attempt to correct this situation. I have sent them a certified letter with documentation, called them and even filed with The Better Business Bureau. AAFES has ignored my certified letter, the BBB complaint and my phone calls. If they had applied my {$67.00} my account would have possibly never been sent to collections. I want my {$67.00} plus interest applied to my account. And if the {$67.00} would have been applied I would not have been 3 months behind. I am still paying on this account, I do not intend to ignore my obligation. I contacted AAFES and let them know I was out of work for 6 weeks due to a broken ankle and that caused financial issues, but they did not care. That spiraled my delinquency.
03/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37066	Web	Servicemember
The following information XXXX XXXX XXXX reporting on my XXXX credit report ( report # XXXX, dated XX/XX/XXXX ) is false and inaccurate. 1. XXXX XXXX XXXX is reporting the account Status as Petition for Chapter XXXX Bankruptcy. This is not correct. I sought Chapter XXXX on XX/XX/XXXX. My Chapter XXXX was DISCHARGED on XX/XX/XXXX. I am no longer in bankruptcy. 2. XXXX XXXX XXXX is reporting the Account History as Charge Off. This is not correct. This account was Paid-in-Full {$7900.00} by the Bankruptcy Trustee, XXXX XXXX XXXX, XXXX. 3. XXXX XXXX XXXX is reporting the Account History that I filed Chapter XXXX Bankruptcy on XX/XX/XXXX. This is absolutely false. I previously filed a Consumer Financial Protection Bureau ( CFPB ) complaint, ( CFPB Complaint # XXXX ). XXXX XXXX XXXX response stated they were to correct the inaccurate and false information, ( AUD Control Number : XXXX ). However, XXXX XXXX XXXX has failed to properly do so as XXXX continues to report falsehoods.
08/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 761XX	Web	Servicemember
AAFES/MILITARY STAR has assumed my identity as the " original creditor '' and has a charge off credit card account on my consumer report. I, XXXX XXXX XXXX, am that I am, the CONSUMER in fact, natural person, original creditor, lender, executor, administrator, pursuant to 15USC1602i. I have an open ended consumer credit plan pursuant to 15USC1602j, am the creditor pursuant to 15USC1602g, Being that i have ope ended credit i should have never been charged for the referenced account. As original creditor in a consumer credit transaction I have the right to cancel the alleged debt but AAFES/MILITARY STAR will not comply with the federal law and should be held civilly and criminally liable pursuant to 15USC1640 and 15USC1611. AAFES/MILITARY STAR has failed to provide the original documentary evidence pursuant to " Rule 1002 '' and nothing can be reported on my consumer report without written consent from the consumer pursuant to 15USC1681b. Please investigate and have tradeline remove.
06/08/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	IL 62221	Web	Servicemember
XXXX / XXXX / XXXX at XXXX XXXX from phone numbe r XXXX ( XXXX ) XXXX XXXX XXXX attempted to collect a debt which I am already making payments on. The stated that they were calling on th e behalf of Army & Air Force Exchange services. This is starting up I feel because I have in placed a formal review with XXXX for the negitive reporting done b y Army & Air Force Exchange Services on XXXX / XXXX / XXXX . It is being reported as a charge off balance unpaid account closed on XXXX / XXXX / XXXX . I have been making payments to this company for awhile in the amount of {$170.00} plus they have received my p ast 2 ( two ) Federal tax returns. These payment are made directly through EFT to thi s company out of my XXXX check fro m SSN. How can this be legal for one and then to tell me that all my payments will go to interest. How can a company charge you interest on a closed, charged off account, all the while taking payments. Is this a violation of FDCPA 807.
08/16/2020	No	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	VA XXXXX	Web	Servicemember
I was in the United States XXXX and applied for a NEX credit card to shop at the Exchange. My credit limit was {$6000.00} and I was owing about {$5000.00} when I fell behind in my monthly payments. About 4 months or so later, I sent in payment but it was returned and I was informed that it had been sent to a Collection Agency. When I contacted that Agency, I was informed that the amount due was about {$9000.00}. All attempts to get them to explain why they kept tacking on amounts without a court order proved abortive. The file changed hands several times and each time, the amount went higher and higher. These various companies added more than {$12000.00} to the original amount and the current Collection Agency - XXXX XXXX XXXX XXXX filed to garnish my retirement pay in the amount of {$17000.00} and has been collecting {$140.00} for almost 4 years now. They have collected more than {$7000.00} to date and yet, they are not prepared to stop. Please help me checkmate this company.
07/28/2018	Yes	Credit card or prepaid card Store credit card	Other features, terms, or problems Other problem	NV 89015	Web	Servicemember
XXXX XX/XX/XXXX I spoke with a collection rep for XXXX XXXX regarding my account that is being garnished through my Social Security check that this account should have been included under the SCRA the rep became very rude I asked where to submit my documentation for my SCRA dispute and I emailed the collections department to discuss my the discrepancies. XX/XX/XXXX I spoke with a supervisor named XXXX in customer service when the conversation started out she was understanding of the situation when I asked to speak with upper management regarding the services of how the companies handles Due Dilgence she became very short and rushing me off the phone this business practice of working with servicemembers is poor customer service XX/XX/XXXX to XX/XX/XXXX I had 2 other accounts that I paid on time and paid off. This is so sad that they treat there customers this way. All I '' m trying to due is get this matter resolved and go on with my life they don't listen to customers at all.
05/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 31313	Web
In response to the a previous complaint.MILITARY STAR denied my claim of inaccurate reporting. This denial is not reasonable as i have been in correspondence with their credit department in which i proved the inaccurate reporting by providing copies of my consumer credit report. Each report shows a difference in detail such as currently reporting on a closed/paid off account. I was informed that a request to have the MILITARY STAR account removed from my consumer reports had been submitted. MILITARY STAR is clearly disregarding my consumer rights as well as fabricating the accuracy the their reporting. Due to the disregard, I am enforcing my stance by further taking reasonable legal action. PLEASE VIEW THE ATTACHMENTS!! EACH REPORT SHOWS THE INACCURACY IN WHICH YOU ARE REPORTING. HOW CAN A CLOSED AND PAID OFF ACCOUNT CURRENTLY REPORT?! Again this is a violation of my consumer rights pursuant to 15 USC 1681 in which each violation holds a penalty of up to {$1000.00}.
09/10/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	VA 23607	Web	Older American, Servicemember
There are two collection agencies involved here. The XXXX XXXX XXXX XXXX XXXX-Collections and XXXX XXXX XXXX. Debt Amount was {$3500.00} original delq. date.XX/XX/XXXX At that time that agency tried to get me to agreement voluntary repayment with a signature for the Exchange. I refused, I don't own them anything the bill The XXXX XXXX XXXX treated me to pay the all with interest. I didn't give them or do business with them. I own them nothing, I don't own this agency nothing. They used the same logo that fall under the Army & Air Force Services. U.S. DEPARTMENT OF THE TREASURY, BUREAU OF THE FISCAL SERVICE SET THIS BILL AS A SET OFF ON MY SOCIAL SECURITY ADMINISTRATION. TOP trace, non-tax Federal Debt. I must pay you in anything other than appropriate commercial paper should the debt be proven valid because to my knowledge, the U.S. congress provided the appropriate solution for me to settle my debt via the remedy in House Joint Resolution ( HJR ) 192 of XX/XX/XXXX.
06/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77396	Web
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
02/18/2020	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 77845	Web	Servicemember
Contacted Military Star at number listed on statement ( XXXX ) to inform them that the online portal was not allowing me to submit payment. The representative informed me that this function will continue to be disabled until I make six consecutive payments. Military Star has sent letters to my Commander in the past and on the statement dated XXXX XX/XX/XXXX threatens to do so again : " If the payment is not received by the due date, we may request involuntary collection for the maximum deduction allowable from either your Military, Retired or Civilian pay in accordance with applicable law. Prior to involuntary collection, we are required to notify your Unit Commander. To prevent a notice, you must pay the past due balance on or before XXXX XX/XX/XXXX. If you are separating from the Military, we may collect any remaining portion of the debt from your final pay and allowances. '' XXXX XXXX XXXX XXXX used these same practices and was held responsible in XX/XX/XXXX.
02/21/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80922	Web
On XX/XX/XXXX I informed the Army Air Force Exchange Services that I was a victim of identity theft and a Military Star card was taken out in my name. They refused to take action. I demanded the account be closed. On XXXX XX/XX/XXXX as requested I notified AAFES fraud department via email. I then called AAFES to confirm receipt, but again the representative refused to contact the fraud department to confirm receipt. After my insistence the representative contacted the fraud department and confirmed receipt. Subsequently, they sent multiple emails, and bills trying to collect the debt. In XXXX they sent me a credit card for the account I did not open. In the first week of XXXX they notified two members of Congress and myself that the account is closed, they would zero the balance, and would remove the account from my credit report. However, on XXXX XX/XX/2020 they sent another email indicating I still owed them money. Thus, the lied to Congress and myself.
04/15/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	FL 33880	Web	Servicemember
I XXXX from the military in XXXX and moved out of state. I updated all my address information because it was demanded by the military that i do so. Fast forward to XXXX I get a letter from XXXX on behalf of AAFES that i owe {$19000.00}. i have no idea what this debt is from. When i was going through my exit clearing the military i was required to get clearing papers from AAFES and other Base agencies so that i may retire and i did. Now after 8 years i get this letter. They claim that they had an old address and that it was my responsibility to let them know about the address change... but i had no idea who they were so how could i have known. also when AAFES cleared me i thought i was good to go. They have collected my tax returns and now they want to take any money i have. i have contacted them several times to get them to stop but they dont stop and they charge extremely high interest rates. i will never be able to pay that amount. i dont owe that money!!!
11/28/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29640	Web	Servicemember
yes my dad open a military star card in my name with out my promission I try to tell them it was my dad who did it but they are still trying to make me pay it they say I 'm reliable cause my dad used my social security number but the paper they sent me of the account show none of my signature it show my dad and his ex wife my ex step mother the bill keep going up and I not reliable for it cause I 'm not the one who open it and I never knew it was open until I check my credit I try to dispruting but they would n't let me when none of the signature are my that was use when using the card and I was told that if I do n't pay it they will take my tax return and I wont see a penny back from it this need to stop I should have to pay something that I did n't do and this is a military a government program for a shop on XXXX XXXX and XXXX bases so why is the government try to take money from me that I do n't owe them I did nothing wrong and this is unfair plz help me
07/24/2017	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 95340	Web	Servicemember
After receiving a monthly statement from AAFES, I requested a total in an attempt to validate the debt. The reason for this was prior I showed a balance of {$500.00} according to my records. However, AAFES bill showed a balance of {$1800.00}. During the dispute my account was sent to collections and made the process extremely much more difficult than necessary. I made several attempts to discuss the bill prior to the account being sent to collections. As a long time customer and one that never has disputed even one charge, I feel that this is unacceptable. I simply was requesting an itemized statement to reflected the amount of the alleged {$1800.00}. So far in return all I have received is terrible customer service from rude representatives that is unjust. Finally, the statements AAFES did manage to send had the incorrect account number on them. Which is why I was under the assumption that those statements were inaccurate in the first place.
09/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TN 37043	Web	Servicemember
Military star card is harrassing and placing false information on my credit report after numerous attempts to get this matter resolved. Statuses of limitation shows they can only legally sue within 7 years of delinquency. They are reporting incorrect information such as dates and revolving amounts which are hurting my chances of purchasing a home. The predatory rates for a military affiliate are killing my chances of living an American dream and killing my future. This company refuses to be compliant and work with an XXXX individual. This company refuses to validate the debt and send documents requested. I have the right to request verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with Basel 3 accord and u.n.c.i.t.r.a.l conventions. I would also like a copy of the Tax Registration Certificate! The company refuses and they are rude and biligerent when you are trying to communicate.
05/27/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	TX XXXXX	Web
I received a bill for collection with XXXX amount, and when I made contact with the collection company the amount had changed to a totally different amount, {$6700.00} to {$8200.00}, I 'm on XXXX and want to pay this bill off and this company is taking advantage of my situation, I also received a letter from the social security stating that starting on XXXX 2016, my XXXX would be garnished at the rate of 15 % until the balance is paid and tax return would be garnished by said company, this company is out of control and I need a resolution, I called my credit card company and they no longer have my file and can not access it, the lady informed that I need to follow up with third party collection company and the lady stated she could not find any payments made to my account, and any payments made prior would not show on their side, so who is responsible, I realized I owe the balance but there is no reason for this company to take advantage
12/20/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	VA 23323	Web	Servicemember
I am being threatened with Administrative Wage Garnishment by XXXX XXXX XXXX XXXX On behalf of the Army Aand Air Force Exchange Services ( AAFES ) for an alleged debt that is almost 7 years old. The Notice of Intent was sent to an address to which I have never been affiliated, and opened by other persons, not myself, constituting disclosing the fact that I allegedly owe a debt, the amount of the debt, to whom it is allegedly owed, who I am, and other personal information. The address to which the Notice of Intent was sent belongs to relatives, which is how I was notified of it's improper delivery. I only became aware of the Notice of Intent this XXXX of XXXX XXXX when the letter was sent on the XXXX of XX/XX/, and my response was required by the XXXX of XX/XX/. I was not afforded proper 30 days under applicable code to respond to the Notice of Intent. This is a blatant violation of the Fair Debt Collection Practices Act ( FDCPA ).
12/22/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37086	Web
referencing to complaint number XXXX I reviewed my consumer report and noticed that the late payments that I am continuously demanding for deletion is still reporting on my credit file without my CONSENT nor did i receive the proper disclosures from MILITARY STAR to opt out of my non public personal information being reported to a non affilliated third party pursuant to 15 U.S.C 6802 obligations. These payments are not late and consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. Please reinvestigate and provide proof showing that these payments were late. If proof can't be provided I demand these payments be updated to on time payments as they should have been for account AAFES/MILITARY STAR- acct # XXXX XXXX XXXXate payments XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. documents were uploaded in complaint XXXX
06/29/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	LA 70791	Web	Servicemember
AAFES or XXXX XXXX ( Credit Card ) used for military exchanges refuses to take payments online or by phone. If you miss three payment in a year they refuse to take payments via phone or online. They require that I go in person to make a payment which I do not have within two hours drive or that I mail a check which I dont feel comfortable doing because it puts me at risk for fraud and then I have to wonder when they will cash it. This is the only company I know that will not accept payment from me. They have the ability to contact your work, garnish your taxes, garnish your wages, but will not take a payment when I try to pay both online or via phone. I have asked for copies of the policy but have not be provided it, customer services states that it is in their terms of service but it is not. I would like a copy of my contract with them that I signed or just the ability to pay my debt. Thank you for your time.
06/19/2015	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	AK 996XX	Web	Servicemember
On XXXX/XXXX/15 I paid XXXX XXXX XXXX for an old military debt on my AAFES STAR Card for the amount of {$3700.00}. I had a garnishment on my paycheck prior to that and on XX/XX/XXXX {$500.00} was garnished, and again on XX/XX/XXXX my pay was garnished for {$240.00}. I have contacted XXXX XXXX XXXX for the overpayment and have still not received my overpayment refund and can not get an answer to when and if it will be refunded. I also contacted the Military AAFES Star card and the balances between the collection agency and the debtor do not match. XXXX has been very hard to deal with and the XXXX XXXX put me on hold for an hour when I requested a manager. I 'm very frustrated with the XXXX agencies and would like for them to contact each other, figure out my overpayment, and refund me immediately, I have paystubs that can verify the garnishment as well as the wire transfer from my bank when I paid the debt off.
06/14/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	VA 223XX	Web	Servicemember
I have a complaint against XXXX XXXX and AAFES. I am in receipt of a statement dated XXXX XX/XX/XXXX ( attached ) which indicates an account balance of {$5300.00}. I called the number for AAFES collections on the statement to make payment arrangements. There was no option in the automated call system to speak to a representative at AAFES. The system told me to call a different number which I did. At that point I was connected to XXXX XXXX. The representative told me they have had the account since XX/XX/XXXX. Further I was told the balance I owed was over {$6300.00} due to a 'collection fee '. -I received NO notification of transfer of my account from AAFES to a third party or of any punitive fees being assessed since XX/XX/XXXX -Payments have been made to AAFES through out XXXX -There is no disclosure or itemization of any fee on the statement ( see attached ) -This is a PREDATORY debt collection activity.
10/13/2018	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	VA 23513	Web	Servicemember
A few months after receiving the XXXX XXXX XXXX, I ended up going underway for a few months. I forgot all about this card but when I remembered I had this card, I called the number for the XXXX XXXX XXXX. They told me dont worry we dont report this on your credit report. Im like thank XXXX. Then one day I checked my credit score and I have numerous of late payments on my XXXX XXXX. I was told that they wouldnt report it and now the late payments are the only thing stopping me from being able to buy a house. They wont work with you to remove the late payments. Im a single mother in the military trying to buy a house and everyone always looks at my late payments for the XXXX XXXX because I dont have much on my credit report. Ive called numerous amounts of times to see if theres anything I could do in order for them to remove the late payments but they wont do anything or help anyone. They dont care about us.
02/21/2018	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	XXXXX	Web	Servicemember
Example, I received a statement, dated XX/XX/XXXX balance {$460000.00} minimum due payment of {$120.00}. Next statement, dated XX/XX/XXXX balance {$4400.00} with minimum due payment {$120.00} For the past several months I have received statements with minimum payment due of {$130.00}. Statement for XX/XX/XXXX is {$130.00} with a balance due of XXXX I have contacted XXXX where I make my payment for AAFES by phone in the past few months regarding my concerns about my pay statements. However, when I get in touch with there customer service staff member. I am told my minim due payments are set by AAFES. Later I call again getting difference customer service agent with in days a part getting a difference answer. Example, I am told I have to make a purchase on my AAFES card, then my minimum due payment will decrease. I contact them again, I am told that I need to pay a higher minimum due payment.
06/03/2017	Yes	Credit card or prepaid card Store credit card	Fees or interest Charged too much interest	TX 78108	Web	Servicemember
I have been corresponding via email with XXXX, the debt collection company since XXXX XXXX 2017. To date, Ive paid approximately {$8300.00} towards a debt that was originally approximately {$8000.00}. I initially requested a payment ledger showing all payments to date. I received the payment ledger on XXXX XXXX 2017, about two weeks later. Since, that time, Ive been corresponding with an XXXX XXXX, about the supposed balance. XXXX. XXXX, after much prodding, told me I still owe over {$6000.00} on this account in interest and fees. Ive sent her two subsequent emails to date, requesting a thorough explanation and breakdown of the interest and fees, yet, Ive received nothing. Requesting a breakdown and thorough explanation of a balance of HOW the balance is over {$6000.00}. I am entitled to more than just a statement of what the balance is. I believe Ive fulfilled my obligations. Thanks.
03/29/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32301	Web
I sent a certified dispute and debt validation letter to the collection company asking them for debt validation. The company did not respond to my complete lines of request. The collection company did not follow any FCRA requirements. The collection company flagged XXXX before sending me anything back in writing. I checked my credit information a week ago and to my surprise a collection debt in the amount of {$6800.00} is in my credit report. I know my rights as a consumer. I have a positive history of paying my bills on time. This company has called my phone repeatedly and my relatives cell phone non stop after I asked them to stop. No debt validation information was sent to me at all nor was there any legal contract between the collection company and myself stating that I owe them. This company simply placed this collection in my report without any debt validation and it is a violation.
04/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33578	Web
I opened an account with Military Star in XXXX, many years later ( approx. XXXX ) made an insufficient payment via allotment. Military Star has reported a late payment on my account to 2 out of 3 credit bureaus. The infraction occurred as I was tasked to go overseas, I purchased deployment items which raised my required payment a few dollars outside of my set allotment. Once I realized, ( a week or two at most ) I paid the delinquent amount and raised my allotment to cover any future events. I have been in good standing with this company every since the late payment which was over 10 years ago. I have written to them several times ( 4 ) and have either been ignored or rejected. Recently, spoke with XXXX and she refused to make any changes to my report and told me to just keep writing. I have an XXXX credit score this is the only thing holding me back. Please help, XXXX year veteran
04/03/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	AZ 85122	Web	Servicemember
I had a credit card with aafes, a retail store that is on military bases. in XX/XX/2008 it went into default for XXXX.. never received anything from them until XXXX XXXX XXXX started garnishing my wages at 25 percent and is garnishing a total of about 11,000.00. Never got a communication or sopona to appear in court, never received any letter from either aafes or XXXX XXXX XXXX. Also the garnishment is showing as a Student loan, I do not have any student loans. Apparently XXXX XXXX is also part of the same group of which XXXX XXXX is a part of. About 3 years ago i was going through the exact same thing with XXXX XXXX and eventually they returned the Money they were Garnishing and stopped Garnishing me after an inquiry from CPFB. I never learned what happened because CPFB doesn't disclose the results of their inquiry. Student with one loan- Federal XXXX XXXX XXXX XXXX XXXX XXXX
12/29/2019	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	WI 532XX	Web	Servicemember
I have a serious problem with AAFES credit card, called Military Star. I obtained credit card and was making payments without any problems. I lived in XXXX at the time and since then, moved to XXXX. I traveled to a navy base in XXXX in order to continue making payments. My account does not show on their system. I called AAFES in XXXX, and they said, i had to send them a letter via mail. After I did that, I was told the account did not exist. So, a year later, I have not being able to pay my card because it would not be accredited, nothing else was mailed to me and suddenly, on my XXXX report only, AAFES reported my account as charged off for lack of payment. The system at AAFES continues to not recognized my name and social security number. They say that the number is the one I used at beginning and in XXXX, but I still can not find it on their system and is impossible to pay.
07/09/2016	Yes	Credit card	Identity theft / Fraud / Embezzlement	CA 92835	Web	Servicemember
A fraudulent credit account was opened in my name subsequent to the XXXX computer hack. I closed the account as soon as I found out, first with a phone call, then with a follow-up letter per the instructions given in the phone call. Months later, I received a collection letter. I replied to this letter, including the documented account closure and envelopes of mail pertaining to the fraudulent account which my alert postal carrier had re-routed to my address. My complaint is that I requested all documentation pertaining to the fraudulent account opened in my name, citing my rights under the Fair Credit Reporting Act. Military Star has not complied with this request. Also, I do not know whether AAFES plans to pursue payment of the account ( especially since they send mail to an incorrect address - I 'm lucky my postman delivered at least some of the Military Star mail to me. )
11/27/2020	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	GA 31909	Web	Servicemember
I have been barred from the control to to pay this company for years unless I went to an military installation to pay them. Due to my line of work which keeps me on the road my payment dates have been late XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Constantly going on a military post to make payments is never convenient. I called, mailed and ask them to fix this. This also had made my score go down with my payment history and has caused me to be in a position where I am not able to get a position or the loan I need because of they way it looks with this company payment history. All because they will not allow me to pay by electronic method buy forcing me to go out my way to the military installation to pay my bill when I can do it by online payment.
04/29/2021	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 78109	Web	Servicemember
AAFES and Military Star Card back in either XXXX or XXXX erroneously charged my mother {$1500.00} for a " Sea Cruise '' that she never purchased. Because she's XXXX, my mother was ( and remains ) incapable of partaking in this activity, and thus, would never even consider making the purchase shown on the Military Star Card way back then. Both of us tried at the time to find a resolution to this problem through customer service at the XXXX on XXXX XXXX, but they were unaware of what to do, and were not helpful. And since this credit card was her first one, she didn't know how to formally dispute the charge on the card. Also, my mother was under mental & physical duress because of the negative side-effects of her medications, so she let this matter slide over the years. But with some recent improvement in her health, we are just now taking steps to fully resolve this situation.
09/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 863XX	Web	Servicemember
I notified XXXX XXXX XXXX that I was leaving for a XXXXXXXX XXXX. I set up auto bill pay with them before leaving, as I knew I wouldnt have internet most places. After arranging bill pay, I learned during a brief period of internet availability that they hadnt pulled the payments in 3 months, and had been reporting me to the credit bureaus. I paid the past due balance, notified them I was XXXX, and told them to pull all future payments automatically for the duration of the XXXX. I came back from another remote area of the country on XXXX and saw that it had gone past due again. The missed payments were XXXX, XXXX, and XX/XX/2017, then again XXXX of the same year. The missed payments have caused my credit score to take a more than 100 point hit. I have since paid off the account, but after disputing the circumstances with XXXX, the missed payments remain on my credit report.
02/15/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TX 751XX	Web	Servicemember
I was a member of the XXXX XXXX and was XXXX in XXXX due to injuries sustained in XXXX I had a XXXX XXXX XXXX with a {$8400.00} balance in XXXX. So far, XXXX XXXX XXXX has collected a total of {$8700.00} from my tax returns and an additional {$1900.00} from my pay checks. I contacted XXXX XXXX XXXX and they informed me that they contacted via mail back in XXXX, but since they sent it to a wrong address, they said I forfeited a settlement and they took garnishment actions. I have not heard anything from them in 5 years, yet every time I turn around, they are taking money without me knowing. Had I not called The XXXX XXXX XXXX XXXX today, I would have never known about the garnishments of my wages. I have asked AAFES and XXXX numerous times for a breakdown of what I owe and have yet to receive anything since XXXX. I am a little confused on how this is the slightest bit fair.
06/08/2020	No	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	FL 33573	Web	Servicemember
I filed my income taxes for the year 2016 and never received it. Upon communication with IRS, I was notified it had been garnished for a debt to a company names AAFES. I contacted said company and ascertained they were a collection agency used to collect a debt from a military card. I attempted several times to obtain payment history and contract information to validate the date and met with negative results. I sent certified return receipt for this information to have the debt validated, and I have yet to receive a response either by email or us mail. I have been trying to rectify this issue since 2016 and have been met with resistance. After conducting some research, it appears this company has conducted these same fraudulent practices in the past according to Briggs vs United States This company has continued to take my tax return each year without any verification.
01/30/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 91913	Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
08/01/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	SC 29150	Web	Servicemember
Hello, in XX/XX/XXXX & XX/XX/2017, I had a 60 & 90 day late balance of my credit card ( XXXX XXXX Card ). I was XXXX at the time, and never received and notification of billing or late debt despite leaving my forwarding address with my homestation 's post office. I received no billing, and noticed a massive drop in my credit score in XX/XX/2017, where I then investigated, paid the debt, and followed up with my post office. I did everything I knew to do in order to receive my mail/bills, but was in a XXXX environment and was never made aware of any debt or late payments. It's been over a year and it still isn't back to where it was. I'm interested in purchasing property and my credit score will affect my interest rate for a loan. I was interested to see if there are any options available to remove this negative impact to my credit score. Thank you for your time today.
11/14/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL 32244	Web	Servicemember
Upon the termination of my XXXX enlistment on XX/XX/XXXX, Army & Air Force Exchange Service, which is a government debt has been collecting for almost 11 years now. From XX/XX/XXXX to XX/XX/XXXX, this was garnished from my XXXX payments. Prior to this I was make payments. After a year later due to lower income that excepted. XXXX XXXX or XXXX, submitted a garnishment of wages at a tune of {$210.00} a paycheck. The garnishment paperwork was sent in XX/XX/XXXX, but not received until after the 30 days due to relocating. New lease started on XX/XX/XXXX. This can be provided. Email from U.S. Postal Service can be provided to show date of change of address. Garnishment commenced on XX/XX/XXXX. I did try to resolve this, with no avail. This debt is over the statue of limitations for a government debt and should be discharged and removed from credit report. Thank you
03/14/2018	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	XXXXX	Web	Servicemember
I received a statement, dated XXXX XX/XX/XXXX, with a balance {$4600.00} minimum due payment of {$120.00}. Next statement, dated XXXX XX/XX/XXXX balance {$4400.00} with a minimum payment {$120.00}. For the past several months I have received statements with minimum payment due {$130.00} with a balance due {$4300.00}. Statement for XX/XX/XXXX is {$130.00} with a balance due of {$4300.00}. I have contacted XXXX where I make my online payment regarding my concerns about my monthly payment statements. When I make contact with there customer service staff, I am told that minimum due payments are set by AAFES. I contact AAFES I get a different response. AAFES says, I have to make a larger payment for my due payment to decrease. I call AAFES again, then I am told by a different customer service staff that I have to make more purchases to decrease my monthly payments.
06/20/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 33647	Web	Servicemember
1. During the hurricane last year XX/XX/XXXX I had to evaluate. This situation left me and my family in dire straits. 2. I contacted as many creditors as possible to request a deferment because of the storm. 3. I spoke with the XXXX XXXX XXXX and explained the situation and requested a deferment. 4. Un be known to me I didn't get the deferment. 5. The account went past due. After I received money in XX/XX/XXXX I paid XXXX to the XXXX debt. 6. XXXX XXXX still forward my debt to the IRS and to a debt collection agency. 7. I paid another XXXX to the XXXX XXXXe towards the bill 8. In XXXX I received a letter from the IRS stating that they collected the remainder of the debt. 9. XXXX XXXXr continues to show a past due amount on each of my credit reports and refuse to send me a paid in full letter. I get the run around and treated very badly when I call in.
08/02/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	OK 73012	Web	Servicemember
I contacted XXXX XXXX XXXX To set up a payment plan too pay off a {$5100.00} debt for the AAFES Military Star Card . When I called, they informed me that I actually owed more than what the statement they sent me stated, almost {$1000.00} more. They stated that they have a 18 % interest rate, but on the letter sent to me it stated 19.24 % annual. This amount is way more than the interest date that I had with the Military Star Card. So every month, I am being charged about {$77.00} in interest. We are a military family and move often, currently residing in Oklahoma, so I am not sure if what they are doing is legal. I set up a payment plan, of {$200.00} a month an it has me making payments until 2020. How can I get caught up on the balance with such a high interest rate? Any advise or assistance that you could provide me will be very much appreciated. Thank you
07/13/2015	Yes	Credit card	Forbearance / Workout plans	GA 31558	Web	Servicemember
For over XXXX years, AAFES charged me directly from my social security XXXX check payments to pay back my mil. star account, even though prior to them doing that, I tried to tell them I was XXXX and could only pay XXXX dollars a month, but it was not sufficient for them. I contacted them again in 2014 claiming It had been more tan paid and again to tell them I now was diabled 100 % and they were hurting my pocket. They went ahead after many emails and supposedly pardon balance of debt and returned a refund, saying it was now paid in full, but has reported my credit as a charge off even though I have been XXXX for many years. Iam requesting your intervention for the XXXX time against this creditor and investigate if I was legally forced to pay since my supposed balance was XXXX. They should reimburse me. See attached letter sent by them after my complaint.
05/18/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	HI 96792	Web	Servicemember
In regards to complaint number, XXXX, XXXX XXXX provided false information in a feedback response letter. That specific complaint was filed because the payment was tried again, even after I alerted the CFPB alleging potential check fraud/ that I disputed the transaction attempt. The company did not provide a response to this specific complaint. I will be in communication with AAFES to question their business with federal contracts in regards to AAFES. This needs to be made public and hopefully AAFES will cancel their contract with XXXX. Furthermore, I am posting this current complaint so XXXX does not attempt to send another check through at the end of this month, which I will not authorize. Again, as XXXX has stated they " take these matters seriously '', I dont think a FTC complaint is enough and I feel they do not take these matters seriously.
09/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30034	Web	Servicemember
I 've disputed accounts in the past and even recently and they are still reporting! I have become a victim of your credit reporting issue were put on my credit report I have no knowledge of. I have no reason to apply for anything, my information has been compromised several times from bank cards, ssn, etc. and now people are apparently applying for credit with that said information. I have an ID Care account given to by the government for the misuse of my compromised information I can provide along with the XXXX breach and fraud on my debit cards for the last 2 years. XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX ( reported as fraud ) XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX ( i was on XXXX XXXX - not possible ) XXXX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX Late payment XX/XX/XXXX for ALL Dept of Ed accounts
03/28/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NY 10039	Web	Servicemember
I was victim of a fraudulent charge on my military star card, I contacted XXXX several times over the years through email ( fraud department ) and several phone calls to resolve the issue, not only It was never resolve but it has more than double, my calls are been ignored and my email not answered. this is not the first time I am trying to contact the department regarding the charges that were imputed to me. I have contacted the airline company and the information i received from them did not match my own. I asked to speak to someone in charge or some one who cares enough to investigate this, this has been causing a financial burden on me and my family as my wages are been garnished. I even got my chain of command involved but we were always put on long hoold and hanged up on. email dates Wed XX/XX/XXXX, XXXX XXXX Fri XX/XX/XXXX, XXXX XXXX XXXX ;
11/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	KS XXXXX	Web	Older American, Servicemember
I was notified by XXXX XXXX that a new account had been reported on my XXXX record. XXXX XXXX asked me to verify the accuracy of the information that XXXX had reported. I signed into my XXXX XXXX account and noticed that there was a soft hit, a hard hit and an account which was not of my doing. I called the credit card issuer and spoke to a representative who informed me that the address on the credit card was not the address I had given as my address. I then immediately went online to the three major reporting agencies to alert them to fraudulent activity on my account. While on the XXXX site I filed a complaint to seek to have the fraudulent account removed from my report. According to the response that I received from XXXX, they had contacted the card issuer and determined that the account was valid and that my complaint was therefore invalid.
02/14/2021	No	Credit card or prepaid card Store credit card	Fees or interest Unexpected increase in interest rate	TX XXXXX	Web	Servicemember
On XX/XX/2020, I came back from XXXX after doing some grocery shopping and randomly decided to scroll through my credit accounts to see what debts I had to pay off. I went to my Military Star Card account, logged in, and to my astonishment, I found all of these alarming charges that I didn't made. Overall, the charges amounted to {$3300.00} and till this day, nothing has been done to reimburse these charges and to reinstate my account to its previous state. I was sent an email from ECP Fraud Department stating that I am being held for these charges due to the police report being " blacked out '' to protect the PII of the suspect that have committed this crime. It is now XX/XX/XXXX, 8 months after the fact and yet nothing hasn't been done to resolve this issue. I need help to get this situation resolved. Thank you for understanding my predicament.
09/11/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	GA 30165	Web	Servicemember
I have three late payments that were reported to the three bureaus on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX that I am sincerely begging to have removed. Besides those three late payments I have been on time ever since and have not missed a single payment. I told them the reason I couldn't make the payments on time and told them I was having financial hardship during that time. My wife had just gotten out of the XXXX XXXX and we were in the middle of moving across country from XXXX to XXXX. I had to quit my job since we were moving and it was incredibly hard financially especially with XXXX babies. I have not been late since and have continued to pay on time since then and of course I will continue to do so. I had already contacted XXXX XXXX XXXX with a certified goodwill letter and email and they weren't willing to change the status nor help me.
04/13/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NC 277XX	Web
I have already reached out to XXXX XXXX company on numerous occasions and each time they are rude or they hang up in my face and do no not help me at all. This is not my debt a family member or a family members friend used my information and opened these accounts in my name and I am suffering because of this. I am not responsible for these charges and I was never affiliated nor in the XXXX or XXXX XXXX. I want these debts released from my name and this cleared. This company has this debt with XXXX XXXX and they have been very rude to me hanging up in my face. I called the company and told a supervisor and nothing has been done. This is not my debt and XXXX and XXXX XXXX called me and told me that they know that this debt was opened up fraudulently and I am still being held liable for this. I want this debt removed from my name completely!
03/15/2023	Yes	Credit card or prepaid card Store credit card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	NC 28306	Web	Servicemember
Im writing to you because I noticed that my most recent credit report contains a late payment reported in XX/XX/2022 for my Army/Airforce Exchange account XXXX I want you to know that I understand and have great respect for my financial obligations. Unfortunately, at the time of the incident mentioned above, I was separating from the military and was waiting on my XXXX income to make payments on my account, so at the time I was not working. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. In the near future, I am planning on applying for a mortgage, and it has come to my attention that the missed payment on my credit reports could hurt my ability to qualify. In my heart, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts.
06/01/2020	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 78245	Web	Servicemember
XX/XX/XXXX AAFES was paid in full through filing their credit card as a federal account and paid their debt through my tax return of XXXX. All debts were paid. A year later XX/XX/XXXX they report that i have an collection account with XXXX balance starting in XX/XX/XXXX. When i called aafes numerous times and ask them if I had an open account and they confirmed it's been closed since XX/XX/XXXX and it's fully paid and no money owed. I have sent their collection company correspondence in regards to fixing this error they made on my credit report and they still have not fixed this issue and I need assistance into pushing this issue to getting resolve as I'm in the process of getting home for my family and this false information popped as a current collection and that isn't correct. it's affecting my health and my family sustainability.
07/31/2015	Yes	Credit card	Credit determination	TX 77840	Web	Servicemember
I 'm being wage garnished and I 'm XXXX XXXX and need the money. The exchange credit company is garnishing my check that I need to purchase medical supplies, medications, and hospital bills. I need the money for the situation I 'm in from sustained XXXX from XXXX XXXX as a soldier. I remember paying my bills before seperation from the XXXX. This garnishment has n't noticed me or have contacted me about the credit card bill. I canceled it before leaving.g the XXXX. I do n't know how much I owe or how a balance was made. I do n't know anything but missing Social Security XXXX insurance money as they said exchange services have made this garnishment. I do n't know how to settle pr pay this bill. It 's a suprise and the money for my current bills sustaining my health currently can not be paid due to the exchange discriminating my XXXX.
05/07/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28376	Web	Servicemember
I had a card with XXXX XXXX XXXX , well i fell on hard times and was XXXX i missed XXXX payments and they garnished my XXXX check for XXXX yaers i made payments of XXXX and then they took my tax refund from a tax offset of XXXX . The card was a XXXX . Limit. And listed on my credit bureaus was XXXX with late pays.. with making payments of XXXX a month for 2 years is not even close to oweing them over XXXX . They owe me a refund when i told them of their oversight they told me i never paid them.. even thou i have all the TOP payments made to them. I do not feel they are justified to steal someones money just cause they can for 2 years they took payments and then they take XXXX from tax refund.. how is that legal. I wrote them XXXX letters and XXXX emails. They refuse to make this write. Please help me.
05/22/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL 34772	Web
For approximately 14 months, Army and Air Force Exchange Services ( AAFES ) has been collecting a debt owed. The statement comes from the AAFES collection Department. They are charging XXXX $ each month. They are only applying XXXX $ to the account. When I called today, XX/XX/2018, to ask about this, they told me I had to contact XXXX XXXX XXXX ( XXXX ) who is the actual holder of the debt collection. XXXX informed me that there is a {$24.00} transaction fee. When I asked for a payoff amount, they said they couldn't give me one and i needed to contact AAFES. This seems like a very illegal practice for them to charge me for a fee when the other company is the holder or vice versa. I also asked for a history of statements to verify if this has been going on the whole time and both AAFES and XXXX said the other could provide.
05/02/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 23669	Web
The following company never proved their methods of verification through several stages of written credit disputes : XXXXMILITARY STAR The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports. The company failed to verify the debt IN WRITING with original documentation of proper verification of debt per FCRA guidelines and within the given timeframes. Company also failed to remove the debt per FCRA guidelines and by law must remove the debt for failure to provide proper verification within the given guidelines of the dispute process.
03/06/2017	Yes	Credit card	Credit card protection / Debt protection	NC 283XX	Web
Back in XXXX 2014 my now ex-spouse used my AAFES XXXX XXXX. who was at the time an authorized user. Charged 6 straight times XXXX, on my credit card what she did was buy XXXX gift cards to a tune of over {$6000.00}. at no time did the credit card company notify, advise me, or verify if these transactions were authorized. the same amounts every day for 6 days should have raised a Red Flag. and when I did try to dispute it all I was told was she was an authorized user. now since this is a government institution, they are able to garnish my money. which they have to include my Fed tax refund. interest continues to accumulate on this account, late charges. the charges they are attempting to collect through a collection agency is now almost XXXX they are not going after her or her taxes. just me where is the justice. need help!
08/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07728	Web
the following accounts appear on my credit report, they do not belong to me, please check them, they are hurting me Identity Theft MILITARY STAR Account Number : XXXX This is not mine. 2. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. Identity Theft US DEPT VETS Account Number : XXXX This is not mine. 6. Identity Theft US DEPT VETS Account Number : XXXX This is not mine. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
02/14/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32547	Web	Servicemember
This is my 2nd complaint with CFPB against XXXX XXXX. My original complaint was closed and XXXX XXXX provided the attached information in response to my complaint. The information they supplied Doesnt Belong and i have no connection to XXXX XXXX which further shows star did not research my complaint and only supplied anything to have it closed. I will escalate this issue further if i have to because it is clear XXXX XXXX does not ensure customer privacy or care about their customers. Below is my complaint : I have been a XXXX XXXX Customer for about 13 years. During the course of those 13 years i have gone on 7 XXXX. During the course of those XXXX to XXXX and XXXX there have been times i have had no access to computers or a store location to pay. SCRA benefits have never been applied to my account during these times.
08/01/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NJ 08005	Web
I opened a Military Star Card on XX/XX/XXXX, soon on XX/XX/XXXX I became divorced no job and no income so I was trying to make payments the best I could but I defaulted in XXXX, then by XX/XX/XXXX I was charged off/collection the amount of {$5900.00}. This amount was what was charged off. Now on XX/XX/XXXX the balance has quadrupled to a whopping {$8900.00}. Can someone explain to me how ANY company that charges off a balance intends to almost double the amount on a CLOSED/CHARGED off account? I have other companies I had setbacks with but they never added any additional fees nor balances on a charged off account. How is this even legal? How do they think that someone who owes {$5900.00} on a closed and charged off account could bare to even pay interests and fees on top of a balance already owed and charged off?
05/15/2015	Yes	Credit card	Other	WV 26062	Web	Servicemember
My complaint is about the Military Star card. I missed an XXXX payment, but made my payment again XXXX XXXX. Before that, I made a payment in XXXX for {$180.00}, and XXXX payments in XXXX for a total of {$400.00}. I am able to get bank statements to show payments made. The company says I owe over {$500.00} and keep reporting me to the credit bureaus as 30 days late. They said my minimum due is {$180.00} and since my last payment was for {$120.00}, I did not meet the requirements. However, I have been making the {$180.00} payments, and even double it in XXXX. They continue reporting me as late. When I tell them that I 've been making payments, they say I have n't. My last statement says I am XXXX payments past due. If they are doing this to me, I am sure they are doing this to many more veterans. Please help.
07/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 891XX	Web	Servicemember
THIS HAS TO DO WITH " XXXX & XXXX " NOT REPORTING CORRECT INFORMATION. THIS HAS BEEN GOING ON FOR ALMOST 9 MONTHS NOW SHOWING IN MY REPORT THAT THIS CREDITOR STILL CA N'T GET THIS ACCOUNT UPDATED CORRECTLY. I 'VE TRIED CALLING THE EXCHANGE AND I WAS TOLD AND ADVISED BY THE CALL TAKER THAT I 'M NOT ALLOWED TO TALK TO ANYONE IN CHARGE OVER THERE. I CAN ONLY SEND OUT EMAIL 'S WHICH I 'VE TRIED ALSO BUT THATS A DEAD END SAYING THEY ARE WORKING ON IT, THEY HAVE BEEN SAYING THAT FOR ALMOST 5 MONTHS NOW WITH NO RESULTS. THE CREDITOR IS ARMY/AIR FORCE EXCHANGE ON XXXX REPORT AND ON XXXX IT 'S LISTED UNDER MILITARY STAR SAME COMPANY. THEY SHOW THE ACCOUNT CLOSED SINCE XX/XX/2016 WHICH IS NOT CORRECT. I USE THE STORE CREDIT CARD, I PAY THE MONTHLY BILL EACH MONTH, THAT WOULD BE IMPOSSIBLE IF THE ACCOUNT WAS CLOSED.
09/13/2022	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TX 755XX	Web	Servicemember
XX/XX/2021 - purchased XXXX XXXX XXXX in XXXX XXXXXXXX XXXX ITEM # : XXXX and additional insurance for {$1700.00}, as a XXXX gift for my wife. Due to delivery issues we were informed the item would not be delivered until XXXX, which caused me to call in and cancel the order. We were advised to refuse delivery and return to sender. We are still yet to get a credit back to our credit card even after receiving and forwarding the confirmation email of acknowledgment of the return being received after sending numerous dispute letters back to the company. We are being told every time we call that a refund was generated on the last date we called and to check back in 5 business days. SAME STORY EVERY TIME!!!!! We have been making minimal payments for 8 months now for a bike that we have never even seen!!!
05/16/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL 32211	Web	Servicemember
I received a wage garnishment order ( XXXX ) from my employer dated XX/XX/2022 from XXXX. Prior to receiving this notification I had no previous contact or notification from XXXX. I contacted them to request a dispute several times due to the amount of interest and fees I the amount of {$7000.00} on a credit card bill with a balance of {$3500.00}. I think that is very excessive seeing what they most likely paid for the debt. I never received any information that would allow be to file a dispute. I have also requested a hardship form be sent to me several times which I have not received. There was never a judgment filed that I am aware of. My pay is now being garnished to the tune of over XXXX a month which is putting my other bills behind and I am also in jeopardy of losing my job because of this.
01/15/2020	Yes	Credit card or prepaid card Store credit card	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	TN 38401	Web	Servicemember
On XX/XX/2019 I spoke to XXXX letting her know that has open this account fraudulently and sent all the required documents asked from XXXX. We have contacted Military Star via phone on XX/XX/2019 ; email sent to XXXX XXXX XXXX stating this a fraudulent account ; email on XX/XX/2019 to XXXX with all information - police report, federal trade commission, and CFPB report. Military Exchange still reported to the creditors and we had to file a separate complaint to all the credit bureaus with the information - police report, federal trade commission, and CFPB report. All credit bureaus have removed the item from my credit. Military exchange continues to send letters after multiple letters stating they will garnish my wages. Military Exchange continues to harass stating I am still liable for this debt.
09/14/2019	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	MD 21221	Web	Servicemember
A military star credit card was opened in my name and I suspect it was my estranged father who I have had little connection with the last few years. I submitted and Ide tu theft affidavit to Military Star but after investigation they refused to removed the account from my credit report as they deemed it was familiar fraud. This has been an ongoing dispute process for months. Ive been using XXXX XXXX to handle it. Recently I was in home loan process on this account is interfering with my qualification for a loan on a house because of the late payments on the file. Ive been trying to get it remember for months. I requested statements be sent to my home of record, which Ive yet to receive, so that I can file a police report on this but they have not sent me any statements or proof of statements.
04/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	LA XXXXX	Web	Servicemember
XX/XX/XXXX - Original Written Dispute with AAFES over being reported for late payments while XXXX to XXXX. no response XX/XX/XXXX - Written Follow up with AAFES. no response XX/XX/XXXX - Written follow up again with AAFES. no response XX/XX/XXXX-XX/XX/XXXX - Applied for a VA mortgage Loan to purchase my home. I was approved and it closed inXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX - Denied Improvement loan. I was informed that information from AAFES for late notations was part of the financial decision on loan denial. I was of the impression that this issue had been favorably resolved during the follow up process. XX/XX/XXXX - Contacted via phone. Spoke to customer service rep and assured that the original dispute from XX/XX/XXXX was in my file and it would be re-sent to each of the credit bureaus.
08/29/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	TX 782XX	Web	Servicemember
I used web bill pay to get a check to my credit card company before the due date ( due theXX/XX/XXXX, check delivered on the XX/XX/XXXX ). They processed my payment on the XX/XX/XXXX, leading me to a ) be late and b ) rack up interest charges. I called the issuer, and they stated that " you were late because we have to process them in the order received ''. I stated that I was n't late, but they were late processing it, and I do n't think their understaffing was my problem, and I should n't have to pay interest. She disagreed with me, stating again that " you were late because they process them in the order received ''. So clearly I 'll cut up the card, but the {$20.00} in interest is the first interest I 've paid in years, and seems to make their staffing issues my problem.
10/25/2022	Yes	Credit card or prepaid card Store credit card	Fees or interest Charged too much interest	TN 37167	Web	Servicemember
This company AAFES has charged an obscene amount of interest on my card that I have not used in over 6 years. When I got out of service I owed roughly {$7000.00} and had to default on the card due to a pending divorce and returning back to college full time. Today they said on the phone I owe over {$11000.00} which isn't true. The card has been in collections ever since 2016 and I have paid this company the last 5 years over {$4000.00}. The total amount owed is not {$11000.00} ( The math on what I paid so far makes no sense. ) and they have refused multiple offers by me to settle this debt. I am prepared to take legal action if a fair and forgiving solution can not be obtained. I am trying to purchase a home and my lenders will not move forward with me until this is settled.
01/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 80922	Web	Servicemember
On the evening of XX/XX/2019 I called the AAFES Military Star number to report I was a victim of identity theft and a Miltary Star Card was opened in my name. The representative refused to take any action to prevent charges on this card and refused to file a report. I was told to call the fraud department in the morning. I called the fraud office and they asked me to send an email which I did. I called back to confirm receipt but the AAFES representative initially refused to contact the fraud office. They promised I would receive a letter but I havent. AAFES has not taken any action and is guilty of malicious libel criminal negligence by allowing a fraudulent card to be opened and continued to be used and is breaking the law by not complying with Fair Credit Reporting Act.
01/18/2020	Yes	Credit card or prepaid card Store credit card	Getting a credit card Sent card you never applied for	CO 80922	Web	Servicemember
On XXXX XX/XX/2020 I called Army Air Force Exchange Services ( AAFES ) and said I did not open a credit card. AAFES refused to take action, and said I must call back on XXXX XX/XX/2020. On XXXX XX/XX/2020 I called AAFES and talked to the fraud department. They asked me to send and email and they would send the letter. I sent the email they requested. I called AAFES to confirm they received the email. The representative refused to ask the fraud department if they received the email. I insisted they ask the fraud department. The representative then checked and confirmed the email was received. On XXXX XX/XX/2020 I received a credit card that I did not apply from AAFES. As of XXXX XX/XX/2020 I still have not received the promised letter from the AAFES fraud department.
02/18/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90703	Web	Servicemember
I was XXXX XX/XX/XXXX to XX/XX/XXXX in XXXX, XXXX, XXXX XXXX and my military star card account have fraudulent charges from carpets, novelty merchandise, and jewelry I reported it to the PX manager and they replied : they will investigate the vendors from the base and they will take the necessary adjustment. I got home and there are no notes or complaint I made from the incidents. I took steps from my chain of command to complain everything but AAFES never consider investigating. They have taken multiple of my tax returns and still no avail of remedy. I have been the victim of fraud and still no solutions for the injustice. Can you please let me know how to resolve this difficult tragedy. I have no more income and only depending on my XXXX. Soon they will garnish it.
04/14/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30331	Web	Servicemember
My son was on a field trip at XXXX XXXX GA. I received a call that he was shoplifting. He said he wasn't. The schedule was responses for monitoring the children. I was told they were not going to the main exchange and then later found out they were not monitoring them and several students went to the main exchange. I received a letter stating that I owe {$200.00} for the recovery act. I tried to appeal to AAFES and they denied it. I then get a letter that it went from {$200.00} to {$220.00} AND is on my credit report. I only received 1 letter then a collections letter. Never had instructions on how to dispute. I googled it. It took 2 months for a response. My son has never been in trouble before. I was told they recovered everything. Why is there a recovery fee?
06/01/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web	Servicemember
I have contacted XXXX XXXX ( Exchange Credit Program ) and submitted letters validating this debt, and documentation that this debt was opened under duress from my ex-husband and that it was assigned to him in the divorce proceedings. I also submitted a cease and desist notice regard inaccurately reporting this information and unfair debt collection as they have garnished over {$5000.00} from my income tax returns and the balance never decreased respectively and I never received notice that this debt was delinquent when they began the garnishment. As it was assigned to my ex-husband and I moved away, I had no knowledge of the accounts delinquent status. I submitted court documents proving he was responsible I even provided his contact and personal information.
02/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 175XX	Web	Servicemember
Army/Airforce Exchange XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX I had obtained my free annual credit report to review the information. I had seen that my account for this line of credit ( XXXX XXXX ) shows it was delinquent for these three months. It should have cleared out no later than XX/XX/XXXX. The reason behind this is because it was a requirement upon exiting the Military to pay off any debts that were owed- this included the XXXX XXXX It was paid off and was negatively reflected in my credit report as having 3 delinquent months which should not be. I do have my release documentation that shows when I was honorably discharged and I have documentation with a signature stating that I owed nothing to the military and was able to process out.
12/20/2023	Yes	Credit card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	FL 326XX	Web	Older American, Servicemember
I currently have a store credit card with Military Star AAFES with a limit of {$2500.00}. My last balance of XXXX was paid in full by my bank with my authorization on XX/XX/2023 this was after paying XXXX on XX/XX/2023. On XX/XX/2023, I noticed that I over paid XXXX and I immediately contacted customer service. They informed me that a check for XXXX would be mailed to me on XX/XX/2023 and I would receive it no later than XXXX week from that date. XXXX is the XXXX and I have yet to receive this check for XXXX. I again called customer service on the XXXX to try to get the matter resolved and they are now telling me to email military star to ask when my check will be sent out. Customer service should have handled this problem and I am now getting the runaround.
09/11/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	GA 30165	Web	Servicemember
I have three late payments that were reported the three credit bureaus on XXXX, 2014 and XXXX, 2014 and XXXX, 2014 that I am sincerely begging to be removed, besides those three payments that was sent out the the Bureaus I've been on time ever since and have continue to work extremely hard to pay off this credit card in which is almost paid off. I have contacted them via email and certified mail with a goodwill letter and they weren't willing to change the status nor help me. During that time, I was on a field op in XXXX, AZ while in the XXXX XXXX. I was unable to make payments at that time due to not having internet service or cell phone reception. I have not been late since and have continued to pay on time since then and of course I will continue to do so.
10/13/2021	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	IN 46410	Web	Servicemember
XXXX XXXX XXXX contacted my employer and i have attached the document my employer forwarded to me ( wage garnishment ) for about {$290.00}. After that garnishment took place, XXXX XXXX sent me another Collections notice ( which i have attached ) for {$10.00}. How could this be when the previous garnishment was {$290.00} and this collections notice states the previous balance was {$250.00}? This is fraud and I can not afford to have them contact my employer again and whatever this collections notice is for it should not apply to my account as they garnished {$290.00}. I would also like them to remove any negative entries with all bureaus as there are bureaus outside of the big 3 that most people do not know about, however, XXXX XXXX does report to them!!
01/23/2024	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	FL 336XX	Web	Servicemember
army and air force military STAR card, a US government credit card, refuses to accurately and timely report my proper on time payments to the credit bureaus, especially XXXX. this is a violation of the law and FCRA. I have made massive payments on my military STAR card through army and air force exchange service and you are screwing my credit report and score because of your neglect and incompetence, and keeping my score so artificially low I cant obtain an apartment or a credit card or a mortgage. STOP THIS IMMEDIATELY ( NOT THIRTY DAYS FROM NOW ) and immediately report my proper amounts payments and balances to all three credit bureaus especially XXXX. AAFES STAR CARD hasn't reported my on time payments and lower balance to XXXX credit bureau since XXXX.
05/05/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AR 71901	Web	Servicemember
I have an account that was closed on XX/XX/XXXX approximately to a XXXX balance. It is reflecting late payments in XXXX of XXXX and XXXX of XXXX as far as I could see on XXXX XXXX. Another Credit report which I have submitted screen shots for shows more late payments on different dates. I have called Military Star Card ( AAFES ) and spoke with them and they stated it was closed out then and not further action has been taken. Since this has reported time and time again. I am unsure if they have been furnishing the other institutions with incorrect data. I have disputed this problem with XXXX time and time again. XXXX is also in violation of this. They aren't doing a proper investigation into this and are reporting incorrect information purposefully.
07/05/2018	Yes	Credit card or prepaid card Store credit card	Incorrect information on your report Account status incorrect	VA 22314	Web	Servicemember
I opened this credit card with XXXX XXXX XXXX XXXX XXXX back in XX/XX/XXXX. I used and then paid off the entire card and closed it within a year of opening it. In XX/XX/XXXX I requested the account be closed as it had been paid in full. The customer service individual who I spoke to assured me that the account was closed. I then found out there there had been a running balance since XX/XX/XXXX of {$1.00} that the interest builds up to. Again, this account in all intensive purposes was closed in XX/XX/XXXX yet I was still continuiously charged untill XX/XX/XXXX. The account is paid. The account is closed but because they never closed the account in XX/XX/XXXX upon request there is a slow payback report on my credit report which is negatively impacting me.
02/03/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	OK 738XX	Web	Servicemember
This is for an AAFES credit card for a debt from 2008 in which they did a wage garnishment from my husbands XXXX XXXX pay for over {$10000.00}. Now they are saying we still owe {$25000.00} for interest that accrued during the time that the garnishment was being paid. I sent them a letter along with a copy of my husbands orders and a Powers of Attorney in XXXX stating that my husband is currently XXXX and falls under the XXXX as AAFES has now turned the debt over to a 3rd party debt collector called XXXX XXXX XXXX . I just a got a letter today called a Notice of Intent to Initiative Administrative Wage Garnishment Proceedings ... .threatening to garnish my husbands wages again! When will this end and how can they garnish a soldiers wages when he is XXXX?
01/22/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CO 80922	Web
On XXXX XX/XX/2020 I informed AAFES ( Army Air Force Exchange Services ) that I was a victim of Identity Theft and a Military Star Card was fraudulently opened in my name. However, they refused to take any action. On XX/XX/2020 I sent them an email AAFES requested and they promised the fraud department would send me a letter. As of XX/XX/XXXX I have not received the letter. In violation of the Fair Debt Collection Practices Act they sent me a bill. Since I never had an account they made misrepresentations about the debt, stating I owe them thousands of dollars. Even though I've contacted them several times they continue to harass me. They are fragrantly and deliberately violating my rights under the Fair Debt Collection Practices Act.
04/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	AL 35802	Web	Servicemember
I requested a goodwill forgiveness from AAFES/MILITARY STAR for late payments on my account, which was granted. I explained I had been medically retired and at 100 % XXXX and was trying to repair my credit after also being divorced. I was thrilled that my request was granted. It was after that request that my account that was paid in full had the status change after more than a year. Upon being granted the late payment forgiveness, my account status began being reported as charge off and in collections status. I am pleading that this status be changed from derogatory and removed from collections. I retired XX/XX/2020 and my remaining account balance was taken from my taxes before the account was reported as collections or charge off.
04/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	AL 35802	Web	Servicemember
I requested a goodwill forgiveness from AAFES/MILITARY STAR for late payments on my account, which was granted. I explained I had been medically retired and at 100 % XXXX and was trying to repair my credit after also being divorced. I was thrilled that my request was granted. It was after that request that my account that was paid in full had the status change after more than a year. Upon being granted the late payment forgiveness, my account status began being reported as charge off and in collections status. I am pleading that this status be changed from derogatory and removed from collections. I retired XX/XX/2020 and my remaining account balance was taken from my taxes before the account was reported as collections or charge off.
05/10/2021	No	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	MA 019XX	Web	Servicemember
I got out of the military in XXXX, at the time I had a military star card from AFEES. The debt went into collections and they have taken my tax refunds every year since including the most recent third stimulus payment. I just called them and my original debt was XXXX and now 12 years later after taking i would guess XXXX worth of tax refunds they said the balance is now XXXX and that the money they have garnished did not even cover the interest. I know this is a federal debt according to them, but is there anything I am able to do? Does the statue of limitations apply? I saw that in XXXX there was a class action lawsuit in California for this reason and the group suing won because the statute of limitations had been passed long ago.
06/12/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85635	Web	Servicemember
XXXXXXXX XXXX began contacting me in XXXX. Sending me dozens of statements and collections. I was unable to make payments due to decreased earning. Once I became stable I was notified that they tacked on a 16 % increase in the debt that was not reflected on the statement. And when I asked they stated that it was just the way it was and that I had agreed to it in my contract and there was nothing I could do. When I requested to begin making payments I was made aware that the interest was greater than what I could pay. When I asked settle or arrange a payment plan that I could handle I was told that they would not work with me. And that my credit would continue to be affected for at least 27 months before they would consider settling.
11/13/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	AL 357XX	Web	Servicemember
By looking at MyFICO the status of my Military star card on XX/XX/2019 it was sent to a collection account for the amount of {$610.00}. I had never got an email, phone call, or a bill sent in the mail to me, without receiving anything I didn't have the information I needed of where to send a payment to. I had never got a call until the collection company contacted me. When I got the call from them about this account, I paid it in full. I had asked them if since I never got anything about this account if there was a way we could remove it from my report, they said no they weren't able to remove it all they could do was put it as paid. We are trying to get a home loan and this on my report is hindering my chance of getting approved.
05/18/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	WI 53149	Web	Servicemember
I was contacted by the company XXXX XXXX XXXX XXXX about a Military Star Card ( appears to be some sort of revolving credit account card ) with an inquiry about a recent new account opening and transaction. I stated that I had NOT opened an account with them and that I did NOT make any purchases. They noted their files that this was fraudulent activity and immediately closed the account. However, the purchase was still made and the debt remains outstanding and is reflected on my current credit reports. I am noting that this account and transaction was FRAUDULENT and that I did NOT open an account or make a purchase with the company XXXX XXXX XXXX XXXX : and their Military Star Card. Please resolve and note this issue.
08/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	KS 66441	Web	Servicemember
Someone used my information to open loans and credit cards and my credit dropped from XXXX to XXXX because someone used my information to apply for credit cards and auto loans which they are on collections now and even used my information for XXXX XXXX and XXXX XXXX XXXX and XXXX which I dont know how they got my information to do all that They have used my information for inquiries which hurts my credit and now I cant even apply for a loan or use my VA for loan due to this fraudulent activity on my files and I have tried to contact them to erase everything but they didnt. I need to get my credit score up and they need to erase all those collections and debts and inquiries because I had no idea how these got on my reports
09/29/2022	Yes	Credit card or prepaid card Store credit card	Improper use of your report Reporting company used your report improperly	GA 30127	Web	Servicemember
In accordance with the Fair Credit Reporting Act this creditor ARMY/AIR FORCE EXCHANGE has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose. Resources : 1. 15 U.S. Code 1681 - Congressional findings and statement of purpose \| U.S. Code \| US Law \| XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX 2. 15 U.S. Code 1666b - Timing of payments \| U.S. Code \| US Law \| XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX : XXXX
11/27/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	OK 74074	Web	Servicemember
I purchased a sofa using the XXXX XXXX XXXX website on XXXX XXXX XXXX When it arrived the sofa was destroyed and I immediately called to get it returned. They came to pick it up a few days later and confirmed it arrived back to them. It cost {$990.00} and the Reference # is XXXX XXXX I have been calling the Exchange and the Star Card customer support multiple times every month to get a refund. I hear the same thing every time and nothing is being resolved. They tell me that a department needs to sign a document to get the refund but they failed to do so and will get it done today. Then I should get the refund in 3-5 business days. After eight months and over fifty phone calls I still haven't received the money back.
05/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 654XX	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/1986 SS # : XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act MILITARY STAR XXXX, has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit open-end consumer credit plan as late for any purpose. Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. Sincerely, XXXX XXXX XXXX # XXXX
12/01/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	HI 96782	Web
I have star credit card and i had a90 days late payment, becouse the star credit card company did not send ne a paper bill or reminder in timely manner, they contacted me only when paiment was alredy late, i tryed to explain that i was not inrolled into online banking at that time and had no way to make a paiment and never recived a paper statment. i had disputed this matter earlier this year but they said everything is correct on my credit report, could you please help me in this situation, as i am making all my paiments on time and this reallu affect my credit. it happend in the begging of the year XXXX. i was trying refinancing this year and to pay ogg my debt but this matter was an abstacle to that. Thank you
04/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 308XX	Web
Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXXXXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$68.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XXXX XX/XX/XXXX
01/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30236	Web
I've reached out to Military Star and asked them to provide me with documents, and the procedure they took that proves and validates that I had ever been late on any of my payments. I have yet to receive any proof and I dispute the accuracy of the information that is being reported on my credit report. This is in direct violation of federal law. I do wish to keep my account open and in good standing but I am disputing the fact that I had ever been late on paying my monthly bill. The late payment is said to have occurred in XX/XX/XXXX Please See attachment. Account Name : AAFES/MILITARY STAR Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Status Open. Allegedly LATE : XX/XX/XXXX XXXX
12/16/2021	Yes	Credit card or prepaid card Store credit card	Other features, terms, or problems Other problem	VA 22401	Web	Servicemember
The exchange credit program ( Military Star Card ) https : //www.myecp.com isn't allowing its customers to make more than one payment in a billing cycle. I have attached a screenshot of their error message when an attempt is made to make more than one payment in a billing cycle. My scheduled automatic payment is on the 12th, and I tried to make a second payment this morning, the 16th. They would not let me because they don't want their customers to make payments that wouldn't be subjected to fees and interest like the minimum monthly payment is. They aren't allowing their customers to lower their balances without penalty. Would you please look into this? This feels illegal and as if it is an unfair practice.
06/12/2020	No	Money transfer, virtual currency, or money service Foreign currency exchange	Incorrect exchange rate	AP XXXXX	Web	Servicemember
Navy Exchange ( NEX ), the " XXXX '' onboard US XXXX bases, offers currency exchange for personnel stationed overseas ( in XXXX ) to pay their off-base rent. However, the exchange rate offered is always 2-3 % less than the Bank Rate for US dollar to XXXX XXXX exchange. To offset this, the Navy Exchange provides a {$10.00} gift card for use at the NEX, for each month paid. However, this is inequitable because the gift card is always for the same amount, regardless of the monthly rent amount ... so a single military member with an $ XXXX/month ( equivalent ) rent payment derives more proportional benefit from this {$10.00} gift card than a military family whose rent could be closer to $ XXXX ( equivalent ).
05/20/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 112XX	Web
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX Attention : XXXX Dispute Department Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX credit report. My latest credit report shows credit inquirY that I did not authorize. I am writing to dispute the following inquiries and ask for their removal from my credit report. Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. Thank you for your assistance. Sincerely, XXXX XXXX
05/26/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 35010	Web	Servicemember
On XX/XX/2021 I pulled my credit report and I sent my first round of letter to the three credit bureau to validate the date on my Military Star Card. I got no response. XX/XX/2021 I pulled my credit report again sending second round of letters to the three credit bureau with evidence to delete the account per FCRA regulation of reporting accurate information the bureau only updated the account. XX/XX/2021 I sent a letter to Military Star the creditor who didn't make any updates. On XX/XX/2021 I sent another letter with evidence to the bureau but got and update not deletion of inaccurate information. Today XX/XX/2021 I pulled my credit report and the bureaus are still reporting inaccurate information.
02/12/2018	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	VA 223XX	Web	Servicemember
I contacted the office of the Inspector General and AAFES responded in writing that there is a negotiated settlement. The letter also stated that if I didn't agree with the settlement I could provide a counter offer. After weeks of attempting, addressing the IG again and contacting the collection agency, I was told they have a policy of not negotiating settlements between XX/XX/XXXX - XX/XX/XXXX. This blocked period of time is when they hunt down any federal income they can snatch. I believe this is an absolute abuse of power. This is a private bank exploiting service members for profit. They do not adhere to fair lending practices beacuae they are granted UNCONSTITUTIONAL collection capabilities.
07/10/2021	No	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MD 20721	Web	Servicemember
I paid the amount. And 3 three years later my wages were garnished for collection fees that were not indicated on the initial statement no validation was provided please see attatched documents attention to date Initial debt $ XXXX in full XX/XX/XXXX with cashiers check that cleared bank Additional fees not reflected in the billing statement that validated $ XXXX In the amount of about XXXX dollars for a Total of about XXXX dollars XX/XX/XXXX Three ( 3 ) years later garnished wages, never received court notice disputed additional charges. Paid additional amount over 5 months Should not have been charged collection fees predatory, fees and unfair, process shady very shady need help and explanation.
04/13/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 277XX	Web
This is not my debt a family member or a family members friend used my information and opened these accounts in my name and I am suffering because of this. I am not responsible for these charges and I was never affiliated nor in the army or air force. I want these debts released from my name and this cleared. This company has this debt with XXXX XXXX and they have been very rude to me hanging up in my face. I called the company and told a supervisor and nothing has been done. This is not my debt and army and air force called me and told me that they know that this debt was opened up fraudulently and I am still being held liable for this. I want this debt removed from my name completely!
04/01/2018	Yes	Credit card or prepaid card Store credit card	Fees or interest Charged too much interest	NV 89002	Web	Older American, Servicemember
XXXX XXXX Credit Card is not explicit in detail of items and dates each items were purchased. Absolutely no explicit detail of which date and time purchases & specific amount. The bill shown really high interest rates, almost monthly or so according to balance I am paying for this XXXX Credit Card. Total Colluded plus several different states the bill sending from could be a " Wilful Concealment toward interest rates charging to collect fraudulent money from me, with different interest rates applied to my credit card bill foremost. So much frauds surface nowadays after 8 years of worthless collusion with Obama administration. We need to get-rid of the XXXX XXXXXXXX XXXX Obama infidel ...
02/28/2017	Yes	Credit card	Payoff process	MO 654XX	Web	Servicemember
Military star card complaint. Background, The military star card allows you to purchase items through AAFES exchange stores and outlets with a decently low interest around 10 %. the same card also allows you to purchase military clothing with a 0 % interest. Lets say I spend XXXX to purchase military clothing in XX/XX/XXXX and purchase XXXX in the AAFES store. I do not want to pay interest so I pay XXXX to the military star card. Thinking since they must apply the XXXX to the highest interest. Well they do n't they end up applying around XXXX to the interest side and XXXX to the non interest side and this is my problem. XXXX are being ripped off because of this and they should n't be.
05/19/2021	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32832	Web	Servicemember
This is a continuation of this complain, XXXX. XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX is extorting my daughter for being ignorant of the law. They refuse to settle this case and they have taken her income tax check of {$1900.00} in a pandemic. This account was settle in the court in the state of Idaho. These charges were made by her now ex husband without her consent, and he agree to paying it in a court of law. " garnish his taxes '' The credit limit on the XXXX XXXX XXXX account was {$1900.00}, This case should be closed and documentation stating its closed should by sent to us as well as the credit agencies. Please review and advise XXXX XXXX XXXX, XXXX XXXX of XXXX XXXX XXXX
02/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23602	Web
This was an account back in 2012 and its a military star credit card that I never had. U are only allowed to have this card if u are a servixe member. I have never been in the military I have tried to dispute this and got a police report and still hasnt been taken care of. They even put a tax lien on my social. The card was for XXXX and they have garnished 2 didfrent years one for XXXX. And the other garnishment of XXXX. Way over the limit they said its an interest bearing account and still gains interest. I dont know what to do. Im not liable for this debt. Ive done evwrything and they continue to harrass me and tell me that they will continue to garnish my taxes. And its just awful
03/28/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	LA XXXXX	Web
XXXX XXXX XXXX has opened a charge account a credit card account at this place of business under my name using my social security number and my creditials with out my knowledge without my permission without my consent with out any authority from me he has charged multiple purchases on this account acquiring numerous debt under my credit under my social to where debt collectors are persuing methis criminal has a record has past charges of this type of action I have email documents from a previous court preceding showing his actions and how other court systems in Louisiana Georgia and Texas has ruled against his actions this is not my account and I should not be held liable for it
12/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	AE XXXXX	Web	Servicemember
I was late on two minimal amount payments because at the time I was in XXXX and moving from forward operating base to forward operating base. In some situations there was nowhere to pay the bill and the bills were being sent to my home address in Florida so I actually forgot them until I got to a military location where I could physically walk into a Post Exchange and my account could be accessed. My history with my military star card is excellent but for the two incidents in XXXX. I believe I would be comfortably above 800 if this were off my record. In that unique situation where there was not automated way to view or pay my bill I think that should be taken into consideration.
11/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 336XX	Web
There is an Inaccurate inconsistent payment history reporting for this account. Ive attached a screenshot of the payment history for your records. Ive sent in disputes by mail to this company, they have not responded to any of my letters. Per FCRA, this is a violation of reporting false unverified information. This account is paid and closed and should not be reporting as a collection account for the month of XX/XX/2019. How is it that the last payment date in this account was XX/XX/2019, yet it was in collections XX/XX/2019? So it went from being paid to in collections in 30 days? Please remove from my credit report. This account hasnt been verified and has inconsistencies.
06/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27713	Web
I am reporting Military Star due to false late payments on my account. This false and incorrect reporting is affecting my credit negatively. Military Star has incorrectly reported late payments on my consumer file for XX/XX/XXXX and also XXXX and XX/XX/XXXX. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 states I have the right to privacy, 115 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666 b " A creditor may not treat payment on a credit card under an open-end consumer credit plan as late for any purpose ''
03/26/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 94503	Web	Servicemember
This is a continuation of my last complaint. While I now have the documentation regarding the debt ; I was NEVER given an option to set up a payment plan or given consideration due to hardship. As a result, the XXXX XXXX XXXX XXXX and their debt collection agency continue to charge and compoundinterest after literally taking all income tax returns from both my wife and I. Had I been afforded an opportunity to set up a payment plan or debt settlement with them, I most certainly would have done so. Its unfortunate that a company that is supposed to benefit Military and beneficiaries is so predatory and inconsiderate. Their actions are forcing me to consider bankruptcy.
11/06/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 01876	Web
I first sent a certified letter to Aafes on XXXX XXXX, XXXX and I received no response. The second letter was sent on XXXX XXXX, XXXX which instructed me to contact XXXX because they owed the debt. I have requested validation of the debt and have yet to receive any document that the debt is mine. I contacted XXXX in XXXX XXXX and advised them that the debt was not mine. The letter I sent included the following : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have XXXX or ever had XXXX some contractual obligation to pay you.
06/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92057	Web	Older American, Servicemember
In XX/XX/XXXX over {$8600.00} was charged onto my Military Star card by a roommate diagnosed with XXXX, but confessed to the charges on an email dated XX/XX/XXXX, I was also awarded a judgement against him in XXXX XXXX XXXX in XX/XX/XXXX. With that information provided to the Company, they refuse to relinquish financial responsibility of the debt to me and are holding me financially responsible as a senior citizen on a fixed income. My credit score has dropped and I have been denied credit. I filed a report with the XXXX, but was redirected to your agency when I received no resolution. I feel Military Star card is guilty of financial exploitation of senior citizens.
11/29/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78216	Web	Servicemember
I received a letter in the mail stating I owe Army & Air Force Exchange SVC the collection company is XXXX XXXX XXXX a balance of {$1400.00}. I have filed a police report and have disputed charges and sent documents to them showing I am a victim of identity theft. However, because payments have been made to Army & Air Exchange SVC for this account. They say I owe the balance. I have never made any payments to Army & Air Exchange SVC. I have not received a card from them or benefit from this card. I have sent another dispute letter. I recently received another collection trying to collect the balance a couple of weeks after I sent my dispute letter out again to them.
02/18/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	GA 31405	Web	Servicemember
I applied to and was approved for a credit card with MILITARY STAR CARD aka The Exchange Credit Department in XX/XX/2016. I have made all payments on time. This account has not being reported to any of the THREE MAJOR credit bureaus, such as XXXX, XXXX or XXXX as an account and one in good standing. The credit card limit is {$6800.00} Please have them ( MILITARY STAR CARD aka The Exchange Credit Department ) report this credit card account to XXXX, XXXX and XXXX Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.
01/06/2017	Yes	Credit card	Other fee	AP XXXXX	Web
My wife and I both utilize Military Star credit cards ( websites : XXXX and XXXX XXXX. During this billing cycle and earlier ones, we have been unable to pay our bill in full and therefore avoid interest charges. Upon attempting to do so at their website, I am only able to pay up to {$2500.00} or the entire credit card balance. Furthermore, only one payment is allowed during every seven ( 7 ) day period. The Military Star card terms and conditions are located here : XXXX These terms do not mention a dollar amount or the minimum time required between payments. No credit cards we have ever used have imposed such limitations on the amount and frequency of payments.
03/06/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TN 377XX	Web
On the XX/XX/XXXX I received a letter from the XXXX XXXX XXXX XXXX. The was to collect a debt for a credit card. The debt was turned over to a collection agency and they want the same amount as AAFES. I tried nu.erous times to work with AAFES to pay my debts. I called and emailed. No response. Was told I was only allowed to XXXX XXXX money after they signed me up for automatic deductions/withdrawals that I didn't sign up for. They charged me for late fees or NSF because of this. They have also told me I am not eligible for this card. It is required that you be in the military or a veteran. If I am no eligible for the card, how did I get the debt in my name?
05/21/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web	Servicemember
I have contacted XXXX XXXX via letter and phone call requesting a copy of the agreement or contract bearing my signature to validate the debt is indeed mine. They responded with a system generated letter. Stating my request was too vague in nature signed by a XXXX XXXX. I replied back via letter again requesting documents to verify the debt is mine. No reply this has been in excess of 90 days and I have sent 3 different letters. I also called to speak with XXXX XXXX to ask how was the truest too vague I was informed that she has no worked for XXXX XXXX in years. Due to failure of verification request removal and deletion of debit for all credit reports
01/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28390	Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
01/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33543	Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
01/07/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 291XX	Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
02/25/2022	Yes	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	CA 96150	Web	Servicemember
I made a payment to my Military Star card on XX/XX/22 at XXXX XXXX. The credit card company did not record my payment for the XXXX instead recording it was made on the XXXX because of a time zone difference. I did not read anything in my disclosures that states I must make my payments based on a different time zone. My payment was considered late by my credit card company and I was charged an automatic fee that was added to my payment. This added fee resulted in my checking account being overdrawn and I was charged another fee by my bank. I would like these fees to be reversed and I would like to continue making regular payments. Thank you. XXXX XXXX
04/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76542	Web	Servicemember
I am a victim of extreme identity theft reported, numerous times. A XXXX XXXX card was fraudulently opened under my identity. I have In multiple occasions tried to contact XXXX XXXX to resolve this issue. I have been rerouted around and ignored, concerning this matter. This credit card was reported as bankruptcy, months prior to my attempt to file bankruptcy. I have public records and credit reports, reporting this fraudulent activity that is not mine. I was told I had know identity theft and that it was my card and my bankruptcy claim. This has ruined my financial wellbeing and and helped to enhance the already legal turmoil, I am enduring.
01/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 31322	Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
01/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 31322	Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
01/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 304XX	Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
07/24/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MA XXXXX	Web	Servicemember
XXXX XXXX XXXX XXXX, representing Army and Air Force Exchange ( AAFES ) has been receiving payments on a debt via tax return offset since 2014 ; and receiving monthly payments via garnishment from social security benefits ( 10 %, {$110.00} ), and payroll garnishments. However, monthly statements do not reflect any payments from the above mention streams, and do not reflect a reduction in the debt balance. Where are these payments? When contacted, both entities, each stating, verbally and in writing, that no payments have been received. However, I have received notices from the Department of the Treasury that payment interceptions have been made.
06/21/2020	No	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	NY 14617	Web	Servicemember
I am a XXXX in the XXXX XXXX, and applied for an Army & Air Force Exchange credit card ( Military Star Card ) inXX/XX/XXXX. Due to bureaucratic issues beyond my control, the physical card itself didn't reach me in the mail, ( I was able to use it for purchases through a temporary print-out number, ) nor did any statements/bills. Due to this, I had a one-time missed payment, ( again, I wasn't receiving notice of it, ) and I did pay the full balance off on XX/XX/2019. I now have maintained a balance of {$0.00} on that card since then. I still see that this missed payment is on my credit report, bringing my on-time payments from 100 % to 99 %.
09/01/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	FL 322XX	Web	Servicemember
Military Star Card contacted my XXXX command via paper mail directly to my Commanding Officer, which caused disciplinary problems for me. According to 15 U.S. Code 1692c ( a ) ( c ) - Communication in connection with debt collection, Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ; at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.
11/17/2020	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 76248	Web	Servicemember
I paid off the account, AAFES which was assumed by XXXX XXXX XXXX. I contacted the XXXX XXXX in XX/XX/2020 for the balance of this account so I could pay it off in full. They told me the balance was {$3300.00}. By XXXX XXXX, 2020. I paid the entire balance off and was later informed that I overpaid by couple of dollars. I requested a refund and they never sent to me. I receive another bill charged for interest on an account that was paid off. The balance was {$2.00} but they only applied {$1.00}. Now the balance is XXXX cents. This company continuously defrauding me every month and refuse to show that the account is paid in full and close it.
01/31/2024	Yes	Credit card Store credit card	Fees or interest Charged too much interest	VA 23464	Web	Servicemember
I Joined XXXX XXXX Military XX/XX/2003 and am still currently XXXX XXXX Military I am a Louisiana Resident and maintain residency there while serving XXXX XXXX. I believe my Account number is XXXX. I have been charged over the amount of interest that is allowed by the Louisiana XXXX. I would like that money paid over the interest limit refunded to me and my interest rate lowered to the Louisiana XXXX limit. XXXX XXXX XXXX XXXXXXXX. I will submit my Leave and Earning Statement for verification that I am paying Louisiana State Taxes as well as my Military Orders for service verification if you need any other documents please reach out.
07/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08618	Web
In accordance with a Fair credit reporting act [ MILITARYSTAR XXXX. # XXXX ] has violated my rights. THIS HAPPENED IN THE MONTHS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under 15 USC 1681 section 602 states, that I have the right to privacy. 15 USC 1681 section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B A creditor may not treat the payment on a credit card account or mortgage account under an open-end consumer credit plan as late for any purpose.
11/22/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 395XX	Web
My social security check has been garnished without any notice or allowing a chance to disputed. When I call frequently to ask about the debt I am told that is not the name on the debt. They are literally taking food out of my mouth without any remedy. This is very abusive and I do not understand how this can happen. Ive been a frequent victim of identify theft and when I try to explain that to them it falls on deaf ears. This is the US government doing this! I do not have any documentation for this but they still take my money every single month. I have requested information but was refused. This is a violation of my rights.
07/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 294XX	Web	Servicemember
15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
01/23/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MI 48091	Web
Payments to the XXXX XXXX has been continously made since the account has been opened. The full amount for each month/billing cycle was not made but at minimum half the amount was received. The XXXX XXXX wrote off my account and sent the account to a collection agency XXXX XXXX XXXX - XXXX. The XXXX XXXX is still receiving payments for this account. The wrong amount has been transferred to XXXX XXXX. They are both trying to collect on the same account with different amounts. I received no notice of the transfer of debt. Only my monthly billing statement from the XXXX XXXX whom send confirmation of payment being received.
01/23/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MI 48091	Web
Payments to the XXXX XXXX has been continously made since the account has been opened. The full amount for each month/billing cycle was not made but at minimum half the amount was received. The XXXX XXXX wrote off my account and sent the account to a collection agency XXXX XXXX XXXX - XXXX. The XXXX XXXX is still receiving payments for this account. The wrong amount has been transferred to XXXX XXXX. They are both trying to collect on the same account with different amounts. I received no notice of the transfer of debt. Only my monthly billing statement from the XXXX XXXX whom send confirmation of payment being received.
12/25/2017	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 32065	Web	Servicemember
XXXX XXXX XXXX XXXX started to contact me in regards to a debt that was already being garnished from my wages by the Creditor and tried get more money to be paid. They kept calling me to ask when I can pay the collection and I told them to stop calling me because payments were being garnished. Over the next few months they kept calling to receive money and I told them not to contact me anymore and to contact the Creditor that sent them my information. Still they would not stop contacting me and the Creditor is not doing anything to stop this collection agency from bothering me, even though they are par is bing my wages.
02/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 207XX	Web	Servicemember
I filed paperwork to initiate a or a chapter XXXX but have not affirmed/completed the process and have not included any revolving or installment debt. XXXX XXXX has reported the account in a wage earner program ( it is not ), as a charge off bad debt not paid as agreed when the account has never been late is not charged-off is not included in any wage earner program as have not affirmed and just received and processed my payment on XX/XX/2018 for {$150.00}. This is on a account that has always been paid as agreed to date. The same applies to the XXXX Credit card and the XXXX credit card has been paid in-full by me.
02/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 351XX	Web
I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). XXXX OF XXXX, XXXX, and MILITARY STAR are accounts opened by someone who stole my identity.
06/27/2023	Yes	Credit card or prepaid card Store credit card	Incorrect information on your report Account status incorrect	VA 234XX	Web	Servicemember
I'm writing in regards to my partial XXXX - XXXX credit history with late payments. During this time I was on XXXX for most of this. My father was sick as well during such time as XXXX was in effect. He passed away. Since XXXX of XXXX I paid off my balance and have been keeping on track with payments since. As everything revolves around credit these days i'm trying to buy a house these delinquents are affecting this process. I was going through a tough time dealing with things being out to sea during the pandemic. I'm asking to please have these removed from my credit history so I can move on from the past.
02/15/2022	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MA 027XX	Web	Servicemember
Return items to store for full refund on purchases. Credit lender " MyECP '' kept multiple pay your way payment plans instead of the one for the item purchased and one plan belonging to item. This created two plans with monthly charges, one with the incorrect amount of months listed, increasing the payment amount due to less months with a higher payment. This was not the agreed upon payment plan. The company refused to resolve this matter after multiple attempts, first time stating that the plans were incorrect. Now dealing with incorrect fees and payments and creating a hardship due to false reporting.
12/29/2015	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	CA 91910	Web	Servicemember
On XXXX XXXX, 2015 I received a letter from XXXX XXXX threatening to garnish my wages if I did n't make payment arrangements to settle an old account, {$5500.00}. I spoke to XXXX XXXX, account manager, of XXXX XXXX , XXXX and he informed me that I needed to pay XXXX % before I could make any arrangements. I said I did n't have that amount of money and he insisted I contact my bank, or another bank, and request a debt consolidation loan ; failure to do so would require them to garnish my wages. My credit report shows this account as closed, owning XXXX. I contacted legal services and told to contact you.
06/28/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32909	Web	Servicemember
After contacting XXXX credit to dispute Military Star account, that was in good standing since XXXX and paid of in XXXX of XXXX, XXXX updated the dispute and made is worse. Now my report shows delinquent account payments from XXXX until XX/XX/XXXX, when I disputed it. The account has been closed and paid in full with good standing, on time payments since XXXX. It was officially closed and paid fully by XX/XX/XXXX. This was done in this manner, so I could purchase my first home with no outstanding debts. I closed on my home XX/XX/XXXX. There should be no negative comments from Military Star since XXXX.
12/18/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	UT 84041	Web
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
05/27/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75104	Web
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
10/19/2018	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	AE XXXXX	Web	Servicemember
On or about XX/XX/2018, my XXXX XXXX XXXX was charged for a purchase of {$160.00} in a XXXX, Florida. I am an XXXX XXXX servicemember, currently stationed at XXXX XXXX XXXX ; I am a resident of South Carolina ; and I have never been to Florida. I contacted XXXX XXXX XXXX on or about XXXX XX/XX/2018 at XXXX XXXX, by phone. I informed them of the incorrect charge and I was informed that I would have to address the charges civily with the individual who made them. The reference number for the charge is : XXXX. I originally applied for a XXXX XXXX in XX/XX/2018, but I have never received the credit card.
09/23/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	TX 76502	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX is collecting on behalf of Aafes for credit card debt that Ive disputed doesnt belong to me. Ive long stated that I never received communication of the debt nor had a chance to dispute said debt. Ive since had XXXX withheld from me. Interest in the amount of XXXX has accrued and theyre now collecting on that. I am unable to put energy into this and neither AAfes nor XXXX is able to provide anything that substantiates that said debt is mine. Not to mention that interest is accruing on an account that shouldve long been charged off and closed which is predatory in nature.
04/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AE XXXXX	Web	Servicemember
In accordance with the fair credit reporting act Military Star # XXXX Dates : XXXX, XX/XX/XXXX, XX/XX/XXXX, has violated my rights. In accordance with the fair credit reporting act XXXX XXXX # XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USCN 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
08/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 316XX	Web	Servicemember
I filed chapter XXXX bankruptcy in XX/XX/XXXX case no. XXXX. I have made multiple requests/disputes to both XXXX and AAFES to update my credit reports to show that the account is included in bankruptcy. Although both companies received regular payments from the bankruptcy trustee, they continue to show my account status as a Charge Off and do not report the accounts as included in my Chapter XXXX plan, which will be discharged soon. AAFES even re-dated my account to make it appear it was charged off in XX/XX/XXXX with no status change to reflect that account is part of my chapter XXXX plan.
10/26/2017	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA XXXXX	Web	Older American, Servicemember
My account information with XXXX XXXX is being refused to be given to me as they have charged off my account and they are now letting a third-party collector dictate their terms to me. The third-party collector is XXXX XXXX XXXX. I was informed that they had already tacked an additional XXXX XXXX dollars on to the original balance with XXXX XXXX and they intend to charge additional fees on top of that. I do not believe that a government agency or dod contractor should deny a consumer his personal account information. Does this not violate any of California 's Consumer Protection laws?
04/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	NM 87002	Web	Servicemember
In 2018 my account was cleared in bankruptcy. Since then military star has went out of its way to post negative information on my credit report. They are reporting that it is in collections when it is not a valid debt and it is known by military star that the information that they are posting was cleared in bankruptcy. As of today the dispute came back and they are keeping the negative information saying that the account is in collections and it started after the federal bankruptcy court ruling. It has lowered my credit score even though I've never had any issues after bankruptcy.
01/30/2017	Yes	Credit card	Other	LA 70503	Web	Servicemember
I have requested multiple Goodwill Adjustments with AAFES, in regards to my late payments. The late payments on my credit report were during times when I was XXXX on Louisiana State Emergency or conducting training in the fields at XXXX in XXXX, LA, and I was in areas that made it impossible to contact them. I submitted and attached my orders and AAFES/Military Star Card ( a company supposedly for the military ) who refuse to do so which also violates Congress Legislation S.1249. I have made several attempts to have the late payments removed each ending with rejection. Thank you
03/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	GU XXXXX	Web	Servicemember
XXXX consistently fails to list my Army and Airforce Exchange Service Military Star Card credit account onto my XXXX credit report. XXXX non compliance with the creditor lowers my credit score. I have reapetedly contacted the Army Air Force Exchange Service Military Star card program to complain about this and the Creditor has assured me that they have consistently reported my Army Air Force Exchange Service Military Star card credit account to XXXX. XXXX has failed to comply with the creditors request. I plea for immediate relief from XXXX illegal unfair pattern and practice.
02/22/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	FL 32771	Web
AAFES, XXXX XXXXr Credit Card was issued to me. After I used the card and paid much of the debt, I had used the card again and was in good standing for 2 years with the company. My husband and I separated in 2016. I fell behind in payments and the debt went to collections. They harrass me and threatened to garnish my wages. I am now going through a divorce and I am unemployed. I have NOTHING! AAFES, and their collection agency ( TOPS ) make threats and say they will take my Federal Income Tax Return. The debt is {$4000.00} with over {$1500.00} in interest! They are crooks!
04/28/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	LA 71112	Web	Servicemember
AAFES charged off XXXX accounts in XXXX , in XXXX they ( legally? ) started collection actions on the debts. A payment plan was agreed upon and it has been paid each month since. " The main issue is that they are charging 19 % interest on this charged off debt collection. '' Also, my credit reports show only that the debt was charged off in XXXX so they are in essence double dipping on this debt and I am not getting any credit for paying it on time and in ful l. THISSHOULD BE ILLEGAL! Hopefully at some point AAFES tactics and lawlessness is brought to justice.
03/15/2018	Yes	Credit card or prepaid card Store credit card	Fees or interest Unexpected increase in interest rate	CA 93203	Web	Servicemember
On XX/XX/XXXX Black Friday I purchased a promotional television for 24 months 0 % interest. When I receive my statement on XX/XX/XXXX ( 60 days later ) the company began to charge interest on the purchase. On XX/XX/XXXX I reached out to the company to complain of the interest rate increase. On XX/XX/XXXX I was told that I had 60 days to make a written statement from the time I made the purchase. When I counted the number of days from the time I purchase the TV till the time the statement came out it was exactly 60 days, which left me no time for recourse on this issue.
10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28311	Web	Servicemember
Improper use of my reports. In accordance with the Fair Credit Reporting Act. This creditor has violated my rights under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604a section 2 also states the Consumer reporting agencies can not furnish an account without my written instruction. Under 15 U.S.C 1666b, a creditor can not report a payment as late for any reason. I have late payments showing for XX/XX/XXXX, and XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX I explained these payments were late because of not working because of XXXX
11/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated shouldn't respond to lawsuit	NC 28390	Web	Servicemember
it in XXXX 2015, 15 years later. XXXX XXXX said they did n't and they did n't have too. They have no documents and said i could n't dispute it. It was never sent to collections nothing. I do n't think i owe a debt. Then they moved {$870.00}. If they made mistakes then and now why am i fighting and losing the battle. I think i shpuld have been notified instead of them just seeing that i had a credit and decide to take money. Where is the due process here? Why did n't it go to collections? Why am I being told i ca n't dispute it? What 's the statute of limitations?
04/25/2023	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	TX 77320	Web
On XX/XX/XXXX I wrote a letter to XXXX and XXXX disputing an account that was listed on my report due to Identity Theft. The account is listed as MILITARY STAR on XXXX report and ARMY/AIR FORCE EXCHANGE on my XXXX credit report. The date the account was opened was on XX/XX/XXXX and the credit limit was for {$1100.00}. The account came back verified. However, I did not receive any documentations verifying the debt. I also submitted a FTC Report under the name Military Star as this is the name listed on the credit report that I received from XXXX and XXXX XXXX.
03/15/2021	No	Credit card or prepaid card Government benefit card	Unexpected or other fees	FL 32935	Web	Servicemember
XXXX XXXX XXXX and XXXX XXXX defrauding XXXX XXXX and XXXX Veterans during the pandemic. Illegally withdrawing money from my XXXX XXXX account causing me to lose multiple cards. Asking for 5 copies of my signature, asking for y medical insurance account information. garnishing my XXXX, garnishing my social security, refusing to credit my account. locking my account. Non-compliant for over a year on emails, phone calls, inflating the bill in front of law enforcement by over {$1500.00}. THESE PEOPLE NEED TO BE IN JAIL!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
05/15/2019	Yes	Credit card or prepaid card Store credit card	Other features, terms, or problems Other problem	TX 78254	Web	Servicemember
I was using my card ( XXXX XXXX XXXX ) on XX/XX/2019 for various purchases and at the end of the day overpaid my account to the point now where I have a credit balance of {$10000.00}, which is locked into my account because they closed off my access to the card and I have no means to use the card nor withdraw my money from it. I have called them multiple times in the last 2 months with the most recent being today ( XX/XX/2019 ) and all they say is my account is in pending process and they won't know when I will receive notice on my account/credit balance.
08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	KS 66441	Web	Servicemember
Someone used my information to apply for XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX for a credit and auto loan which I didnt authorized it and its sent to collection thats hurting my credit every now and then and needs it to be removed XXXX XXXX XXXX {$3400.00} XX/XX/XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXXXXXX XXXX XXXX {$980.00} XX/XX/XXXX XXXX XXXX XXXX {$320.00} XX/XX/XXXX XXXX XXXX {$210.00} XX/XX/XXXX Military star card {$13000.00} XX/XX/XXXX Someone uses my information to apply for all these and wants it to be removed thank you
02/07/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 956XX	Web	Servicemember
XXXX debt currently in collection with XXXX Current Balance Due : {$6500.00} however ; Federal Tax garnishments ( paid ) were never applied to balance:XX/XX/XXXX= {$1400.00} ; XX/XX/XXXX {$1600.00} ; XX/XX/XXXX {$570.00} ; XX/XX/XXXX {$1000.00} ; XX/XX/XXXX {$680.00}. Total garnishment= {$5300.00} highest balance on card {$5200.00}. XXXX amount due is incorrect. Also XXXX is adding Collection Charge and interest totaling {$2900.00}. XXXX title XXXX chapt XXXX subchapter V code XXXX Debt collector may not collect any interest, fee charge or expense ...
09/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CO XXXXX	Web
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
02/27/2022	Yes	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	NJ 08817	Web	Servicemember
Afees star card ... .has been taking my tax returns including stimulus and tax credits... formten years ... .form a XXXX limit... it took mine and my exhusbands two years straight ..over XXXX both years ... until we realized we had to file seperately... but his card... wasn't... even though it also never got paid ... but they don't take his return ... or his third stimulus... it's been over ten years ... I've been divorced for 4... he's been out of.XXXX for 6 ..and still... they keep taking everything..every year ... has to be almost XXXX ... by now
08/23/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	OR 97501	Web	Servicemember
I received a letter on XX/XX/XXXX saying that XXXX stating that they were going to garnish my wages. I returned a letter on XXXX, XXXX asking for validation.They sent documents with items missing other pages, they were missing a whole month from XXXX They didn't wait the allotted amount of time for me to dispute and placed the wage garnish on my account. I believe they violated my rights under the Fair Debt Collection practices act. Also there is no court information so I can contact the court to dispute this. Also this alleged debt is Time barred.
11/21/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	IN 46970	Web	Servicemember
Army Exchange PX allowed my son who I have full Guardianship of get an Military Exchange PX Card. Now the bill is XXXX and they want the full amount right now! I told them and faxed to them a copy of the Guardianship that states my son is not countable for any accounts, credit cards, etc. Nor will I be held responsible either. My son got this card couple months right after I got the Guardianship. Army Exchange PX Military Star Card needs to take this off his credit reports and stop all form of contacting and threatening measures right now!!!!!
12/18/2023	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	HI 96786	Web
I believe the account is invalid. MILITARYSTAR needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be update from my credit & their records.MILITARYSTAR XXXX
11/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78130	Web	Servicemember
AAFES ( Army Air Force Exchange Services ) has incorrectly reported my payment status on my credit report for the past 4 years. AAFES states my late payment status was reported due to the minimum payment not being accurate. AAFES never notified me that there was an issue and refuses to correct their mistake, the lack of communication, that led to the faulty reporting. I have reconciled account problem with customer service with no issues, but the credit reporting department refuses to come to any sort of amicable resolution on the matter.
10/20/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	AL 363XX	Web	Servicemember
My account has been paid in full to AAFES Starcard. Starcard has updated all my information to reflect correctly but for my XXXX credit report, it is reporting wrong. It is showing delinquency is recent as of XX/XX/XXXX which is incorrect. The debt was paid in XX/XX/XXXX. It reflects correctly on my XXXX and XXXX, but does not on my XXXX. This called re-aging my credit report and is illegal. I do not think it was on purpose but it is reporting " potentially negative '' on my XXXX credit report due to how AAFES update the account.
05/03/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	LA 706XX	Web	Servicemember
I was contacted by XXXX XXXX XXXX stating I owe a debt for a military star card from XXXX. I know for a fact this is not true because it was paid off through my XXXX wages. They stated that AAFES sold the debt to them. They are threatening to garnish my wages. I asked them what options do I have and they told me to take a loan out, sell my vehicle, borrow money but either that or they will garnish my wages. I asked for proof of debt and all they sent was a bill from XXXX for {$700.00} and told me I have to pay them {$1700.00}.
05/16/2020	No	Credit card or prepaid card Store credit card	Incorrect information on your report Old information reappears or never goes away	FL 32566	Web	Servicemember
I had an AAFES Military Star card from XX/XX/XXXX. I was late on time on a payment in XXXX XXXX. At this time, I paid in full and closed the account. I recently put in a disupute to have this removed from my credit report. Instead of removing it they updated the information to reflect as it this happened in XXXX, XXXX and XXXX. This has caused my score to decrease and I want this fixed immediately. This account was late once in XXXX. It was paid in full and closed in XX/XX/XXXX and I would like that reflect on my credit report.
03/31/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NV 89135	Web	Servicemember
We moved and forwarded our mail, AND WE CHANGED THE ADDRESS ONLINE. ALSO we paid off our card in the Fall. We made one new charge during this time and THEY STILL MAILED IT TO THE WRONG ADDRESS AND NEVER BOTHERED TO SEND AN EMAIL, CALL OR WRITE TO LET US KNOW WE HAD A LATE FEE, INSTEAD CONTINUED TO CHARGE US. We signed up for alerts and didn't get them. ALSO WE SIGNED UP FOR AUTO PAYMENTS AND THAT DROPPED OFF THE MAP, NO FAULT OF OUR OWN, YET THEY ARE REFUSING TO REVERSE THE NEGATIVE ( 1 MONTH LATE ON OUR CREDIT REPORT!!!! )
03/22/2017	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	CA 93230	Web	Servicemember
My tax return was has been garnished twice for a total of about XXXX dollars for a debt from 2007. Last month, XXXX XXXX incorporated sent me notification stating I owed them XXXX, I called and asked them why I have not once received notification prior to this latest letter regarding the debt, they stated they send one out annually. I 'm blown away that they can double the debt and collect on something over 10 years old and never send me anything stating I owe them money. The debt does not show on my credit report either.
04/26/2020	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CO 80921	Web	Servicemember
I have a C/O on XXXX, XXXX, and XXXX for AAFES/ Miltary Star Card . I wrote a debt verification letter to both the creditor ( AAFES ) and the collection ( XXXX ) and sent if certified mail. I received a letter back from AAFES for an account that is not my name associated with an address I've never lived at. Do you know how many XXXX XXXX 's there are? I never heard back from XXXX. I have also disputed with all three credit agencies and they all " verified '' the information but how can that be when this debt is not mine?
02/04/2017	Yes	Credit reporting	Incorrect information on credit report Account status	CA 92058	Web	Servicemember
Military Star has reported with negative remarks of 7 missed payments and current deliquency and I would like it removed as it 's reporting to the XXXX credit bureaus and negatively affecting me. This account was noted as 30/60/90 days reported on last reported date XXXX 2014. This account is reporting as open. THIS ACCOUNT IS CLOSED AND WAS FILED UNDER BANKRUPTCY which was discharged in XXXX 2014. I attempted to contact Military Star in regards to this matter with no resolution.. Please remove this negative information.
06/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	HI 96786	Web	Servicemember
The following account Military star was closed and charged off on XX/XX/2019 Since then the account has been repeatedly reporting as a charge off every month. This is an update in the payment history which to my understanding charged off accounts should not hav an active payment history. This also falsely manipulated the statue of limitations. I am demanding a deletion of the following account : This is a violation. Chargeoffs accounts should NOT report each month with active payment history. Best regards, XXXX XXXX
01/15/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TX 76543	Web	Servicemember
Card was used on the XXXX of XXXX for XXXX and again on the XXXX for XXXX after it was stolen I emailed the fraud dispute company on the XXXX when I realized it took them until XXXX XXXX to respond with the information they needed I sent that on XX/XX/XXXX since I was unable to send emails until then and have since then emailed them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX thinking maybe they were just to busy from holidays but have not gotten a single response to any email as to wether action has been taken yet
12/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 37066	Web	Servicemember
Credit Card Company has been notified by certified mail that account was paid in full. Credit card Company continues to report to Credit Reporting Agencies that consumer has {$7900.00} " written-off '' and a " past due '' of {$65.00} as of XXXX XXXX. This is absolutely not true as a Bankruptcy Chapter XXXX Trustee paid the claim made by the Credit Card Company fully on XXXX XXXX XXXX. All previous claims have been settled, otherwise the Trustee could not discharge the Chapter XXXX Bankruptcy as of XXXX XXXX XXXX.
03/18/2019	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	TX 76544	Web
I am a military unit commander. On XXXX XX/XX/2019, I received a complaint from XXXX XXXX XXXX that a member of my unit failed to pay an amount owed. I receive these letters, containing private financial information, on a regular basis. This is a blatant violation of the law and is still allowed due to DOD Financial Management Regulation Volume 7A, Paragraph 430505, as stated in their letters. Addresses listed : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
02/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 20772	Web
I was shocked when I reviewed my credit report and found late payment on the following accounts and dates below : Im not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my statement got merged with someone else 's account did not get to me. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
07/10/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85326	Web	Servicemember
Issue 1- Mil star is reporting the same negative account to XXXX twice but, will two different sets of data. Issue 2 - Both are wrong as this item was paid and the date of last activity is over 7 years. Issue 3- XXXX is showing {$5900.00} charged off with a balance of {$5900.00} and a XX/XX/XXXX for date of last activity Issue 4- XXXX is reporting a paid charge off with a date of XX/XX/XXXX. NOTE : XXXX XXXX fully removed the derogatory account as they should have because it reached 7 years of maturity
02/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20603	Web
I've been disputing this debt for a few months now, and I've written letters and sent them to the bureaus and the company itself. Company name : Military Star account was with zero balance last updated on XX/XX/XXXX. Company name : XXXX XXXX XXXX account balance is {$570.00}, last updated on XX/XX/XXXX. Company name : XXXX XXXX with an account balance of {$1400.00}, last updated on XX/XX/XXXX. I disputed these items for lack of accuracy added to my account, and it negatively impacted my credit score.
01/07/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75104	Web	Servicemember
In accordance with the fair credit reporting act the following creditors have violated my rights for account with AAFES/MILITARY STAR XXXX XXXX XXXX 15 USC 1681 Section 602 States that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a credit card or installment account under an open-end consumer credit plan as late for purpose.
10/10/2023	Yes	Credit card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	HI 96786	Web
Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX XXXX and XXXX Credit Bureaus are reporting inaccurate information on MILITARYSTAR. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting incorrect information. Per FCRA, Reporting must be 100 % accurate. Here are the list of the erroneous account reporting on my Credit report. MILITARYSTAR XXXX
08/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	TN 38401	Web	Servicemember
My identity was stolen and someone opened accounts and charge accounts under my middle name. I have contacted everyone and they closed the account except for this company. I have emailed, wrote, and spoke to everyone on the phone and they still will not remove this from my report or harass me. They even acknowledged that I made them aware of the fraudulent account and accidentally let them charge on the account. They continue to write emails stating this is a good account continue to keep it open.
10/13/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 90304	Web	Servicemember
My taxes have been taken from me for a few years in an attempt to collect my debt. I asked for inquiry of my balance. On the itemized billing that I received it shows that whatever amount they took from my taxes was credited to my balance but then " reversed '' and added back to my amount due. I have sent an email with the scanned copy of the bills highlighting where the discrepancies were and no one can give me straight answer of what 's going on and they are still attempting to collect the debt.
12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	OH 44128	Web
Dispute of Fraudulent Loan Accounts Pursuant to 15 USC 1681i Credit Bureaus I am writing to formally dispute a fraudulent loan and credit cards accounts that has appeared on my credit report, as reported by your agency. This dispute is being made under the provisions of 15 USC 1681i, which governs the correction of inaccurate or fraudulent information on consumer credit reports. I have recently become aware of an account listed on my credit report that I believe is the result of identity theft
07/20/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	AK 99709	Web	Servicemember
I owed the exchanged credit program a total of {$21.00} left on my account for my military star card. On XX/XX/2018 they withdrew {$900.00} from my XXXX for a {$21.00} payment. Ive called them multiple times to see why they did that and when they will refund me my money back. They insist on telling me they have no recieved this money yet clearly on my XXXX it shows that they took it and that they have received it. We are in XXXX no and I find it hard to believe they havent received this money.
07/29/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	CT 06492	Web	Servicemember
I took out a star card through the military, I was told that everything must be paid before you can clear post, including your star card. I have since been out of the military and no longer have access to banking records to show payment. Also a fellow soldier in my unit has been committed for credit theft, he has since XXXX. He stole a bunch of cards and went missing ( XXXX ). Im not positive but he may have stolen my card as I believed I had it paid in full and was allowed to clear the post.
02/15/2021	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MS 39211	Web	Servicemember
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is MILITARY STAR. The inquiry date is XX/XX/2018. The bureau reporting is XXXX, XXXX, and XXXX XXXX. Thank you!
10/10/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	WV 26062	Web	Servicemember
Please. Please please. Someone has to look into the Military Star card process of collecting a debt. They raise interest in debt so high you can not pay it off. They take your taxes, but fail to send you letters stating how much they took and what the new balance is. They keep taking your taxes each year and there is no end in sight. Please. They are hurting military lives so much. I can not believe the government hasnt stepped in to look at their debt collection practices. It cant be legal.
07/13/2021	No	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	WA 99208	Web	Servicemember
Third party debt collectors working for the Army and Airfare Exchange Service are using unlisted, unknown and untraceable VOIP phone calls to harass me even though I have asked them not to contact me and harass me multiple times a day. As of yesterday I received 7 calls in one day. Please stop AAFES from continuing to harass me. Force them to clear the debt and pay restitution for utilizing unfair and illegal communication practices to take advantage of a XXXX veteran on a fixed income.
06/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 765XX	Web	Servicemember
Over the last 3 years I have mailed in numerous dispute letters requesting the removal of the Military Star credit card account because this account was paid in full in XXXX. However, it has continuously been reported as a CO monthly well into XX/XX/XXXX by both XXXX and XXXX. I have even written the company asking for the removal for this inaccurate reporting. This is very frustrating because we are trying to buy a home and this negative account has a huge impact on my credit profile.
02/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 088XX	Web	Servicemember
My aafes credit account was in collections I was XXXX and they listed it as 30 days late for 12 month while I was away. I disputed this account as inaccurate and should be closed because I paid the balance once I was back and they reported it as paid and closed. My recent dispute with XXXX to have the account closed since it has been well over seven years aafes listed my account as collection for the past 2 plus years when it was reported as paid on the report months prior that is fraud.
01/23/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 32503	Web
I recieved a letter from us department of the treasury, stating that XXXX was taken out of my social security payment to pay a Army and Air Force Exchange debt from XXXX. This is being collected by a company called XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, U.S.A. This was a complete surprise, There were no notifications of judgements or any other notifications. Additionally, this collection is far past the statute of limitations, and AAFES was part of a bankruptcy discharge in XXXX.
10/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 735XX	Web	Servicemember
On XX/XX/2022 my account was reported delinquent. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
09/15/2020	No	Credit card or prepaid card Store credit card	Problem when making payments You never received your bill or did not know a payment was due	VA 22401	Web	Servicemember
After reviewing my credit report, it was revealed to me that I had many late payments beginning : 30 days late as of XXXX XXXX 60 days late as of XXXX XXXX 90 days late as of XXXX XXXX 90 days late as of XXXX XXXX 90 days late as of XXXX XXXX 90 days late as of XXXX XXXX 90 days late as of XX/XX/XXXX I retired from the military in XXXX and haven't a need to use this card nor was I aware there was a balance associated with my name on it. I was not in receipt of any statements whatsoever.
10/20/2015	Yes	Credit card	Delinquent account	TX 79934	Web	Servicemember
My account was set up on autopay for AAFES. The balance to be taken out my bank account each month was XXXX. My account was 30 days past due for XXXX and was still set up on autopay. AAFES never drafted the funds from my account to pay my bill. According to their terms and conditions, we agree for them to call us regarding our account. I never once received a phone call, an email, or paper statement that my account was past due. This has negatively impacted my credit score for {$28.00}
09/16/2022	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TX 755XX	Web	Servicemember
I purchased a exercise bike on XXXX-2021 for {$1600.00} and additional insurance for {$59.00}. I rejected delivery and returned to warehouse and have never laid eyes on this item. I filed a complaint earlier this week and was notified by the company the next day and was refunded only the insurance after being told I would receive full refund. Keep in mind that I have been disputing and trying to get a refund for almost 10 months now. I am still owed {$1600.00}. See complaint ID XXXX
12/01/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	AL 360XX	Web
On XX/XX/ Military STAR ran a credit check with the credit bureau that affected my credit. I did not complete a credit application with this company, nor did I authorize them to complete a credit check. When I called they informed me that I just needed to contact the credit bureau myself. They did not open an investigation into this fraud nor deal with the fact their company processed a fraudulent application in my name which has affected my credit report. Application Number XXXX
05/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76544	Web	Servicemember
XXXX XXXX sent a letter stating they would correct the past due notice on my credit report, but they indicated the wrong month in the letter. When I contacted them to correct it and report the month of XXXX as not past due, they indicated I would have to submit a new report. XXXX was the last case number that I used for CFPB with all documentation. They are still reporting the month of XXXX as Past Due and it should not have been reported as such based on the policies I presented.
10/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MS 392XX	Web	Servicemember
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is MILITARY STAR. The inquiry date is XX/XX/2018. The bureau reporting is XXXX and XXXX. Thank you!
01/12/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	VA 22191	Web	Servicemember
I am XXXX XXXX Military an incurred a debt from AAFES credit card company. Around XXXX of last year my pay was messed up from XXXX and was unable to pay. I contacted AAFES before and after and paid current as soon as I was paid. They marked me as 30 days late on my credit report. I attempted to disputer the derogatory remarks from the 3 companies and also send almost 30 emails in the past year and cant get AAFES to remove the 30 days late from my reports Please help Many Thanks
05/02/2020	No	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MA 02301	Web
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
03/06/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	WA 98198	Web
XXXX XXXX had closed an account for me on XX/XX/XXXX, however I don't recall ever having this debt. I supposedly owe {$65.00} but in the past I've been making payments, which has puzzled me. I was never contacted by email, mail, phone call, and to be honest I don't even remember using or making payments for this. I didn't have my first part time job until XX/XX/XXXX so I don't know how I was able to even open an account. I would like for this to be wiped from my credit history.
05/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 65201	Web	Servicemember
My name is XXXX XXXX XXXX XXXX XXXX XXXX I had an account with AAFES ( Military Star Card ) that was reported delinquent on XX/XX/XXXX. The account switched hands to a third party collection agency XXXX account in XX/XX/XXXX. The account still shows negatively on my XXXX, XXXX, and XXXX Accounts. The limit posted by the CFPB for reporting delinquencies, and lates is XXXX years. Please help to remove and expunge this debt immediately. Thanks so much! XXXX XXXX
08/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77065	Web	Servicemember
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX bank Account Number : XXXX XXXX XXXX XXXX 15 USC 1681 SECTION 602 states that I have the right to privacy 15 USC 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
10/06/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 30318	Web	Servicemember
Army & Air Force Exchange Service ( AAFES ), including XXXX XXXX XXXX ( XXXX ), I set up payment arrangements with AAFES and XXXX ( the same entity ) and met my payment obligations. The debt was initially for USD XXXX, and I made payments totaling over USD XXXX ; additionally, my Federal Income Tax Refund for 2020 was garnished at USD XXXX. AAFES/XXXX alleges I still owe USD XXXX and has reported their error to all three credit reporting companies of XXXX, XXXX, XXXX.
09/19/2022	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	GA 301XX	Web	Servicemember
Yesterday i received an XXXX alert about an AAFES credit card account was opened in my name. They verified the account information and noticed it was not accurate information. I contacted the company and they closed out my account because I didnt apply for this card. I was then told to contact XXXX to file a fraud dispute. I contacted XXXX who documented my report of fraudulent activity. Locked my account and advised me to file a police report or FTC report for fraud.
05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 30519	Web	Servicemember
I have 3 accounts that have should have aged of my credit report : MILITARY STAR XXXX XXXX XXXX XXXX, TX XXXX USA This should have aged off of my report and also shows payment history when I was not actively paying that account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX USA I have two accounts that should have aged off my report. Before settled, these accounts were purposely kept active and open in order to accumulate multiple 180 day late payments.
10/19/2015	Yes	Credit card	Credit card protection / Debt protection	FL 32259	Web
I called the Navy Exchange customer service today to remove an authorized user from my account. I was told by a customer service representative and their supervisor to call back in 48 hours to remove the authorized user from my account, giving the person I am revoking authorization an additional 48 hours to make purchases that as of today I no longer authorize. They sited " system limitations '' as the reason I can not remove an authorized user from the account.
02/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 923XX	Web	Servicemember
Reported false late payments In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
11/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30228	Web
Hello, Thank you for the quick response. Can you please send me an official letter of deletion so I can send to the credit bureaus and my home loans lender. I am in the process of purchasing a home and this account is ruining my credit worthiness. The lender needs official letter or proof on a company letterhead stating this account will be deleted permanently from XXXX XXXX credit profile. Can you please send me the letter ASAP? Thank you for your time
09/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92057	Web	Servicemember
XXXX, XXXX, XX/XX/2023 In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
01/17/2021	No	Credit card or prepaid card Store credit card	Incorrect information on your report Account information incorrect	AE XXXXX	Web	Servicemember
On XX/XX/2021 I was reviewing my credit report and noticed a negative entry added to my credit report by Military Star Card, stating my payment was late 30+ days with a XXXX past due amount. This information is inaccurate as I have never been late on a payment with my Star Card. In addition to this, it make no sense for a payment to be late with a {$0.00} past due amount. I respectively request for the negative entry to be removed from my credit report.
04/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31313	Web	Servicemember
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Add comment... @
12/18/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 17268	Web
The organization Army Air Force Exchange Services ( AAFES ) claims I owe them {$250.00}. I have never had any previous credit or debt with AAFES. I have contacted the company many times asking to identify and provide supporting documents. They have failed to provide any information to support the fact that this debt is valid. For non payment they have sent this to a collection agency XXXX XXXX. As of XX/XX/XXXX a letter states that I owed {$250.00}.
04/15/2021	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94565	Web	Servicemember
This complaint involved a credit card under my wife name who is a victim of identity theft. we reported a fraudulent charges on our billing statement and was told it will be investigated but instead continued to mail us statement every month with demand of continued payment while waiting for their investigation which never happen and now we received a letter saying it is in their collection department. Hoping someone can help us thank you so much.
03/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78201	Web	Servicemember
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602, I have the right to privacy, and under 15 USC 1681 Section 604 A Section 2, it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as " late '' for any purpose.
04/06/2020	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MI 48091	Web	Servicemember
Received from the first attempt to be repaid for the amount in excess to the amount owed. Notice of overpayment received. Referred to XXXX at XXXX XXXX XXXX to leave voicemail requesting my refund. No voicemail no email nor check received for the amount extra taken. XXXX in excess my income taxes military pay indicates a different amount owed on the bottom of XX/XX/XXXX. XXXX from my military pay on XX/XX/XXXX XXXX refund on notice XX/XX/XXXX
12/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	DE 19805	Web	Servicemember
I filed a dispute with the Army & Air Force Exchange Service regarding the date I opened my account. I asked for a copy of my application, but they ignored my request for a copy of my application. They stated that the delinquency was correct and I am disputing that the dispute date is incorrect and the date that I opened my account is incorrect. That is why I am requesting a copy of my application. Please see page 20 for the dispute information.
08/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 37075	Web
I have had a revolving account since 2004 and there is derogatory account information that is not true on the account. I have called and mailed and received no response. I am a XXXX XXXX XXXX member and still have an account with Military Star card and have tried to resolve the negative issue with the account. It is in good standing and have paid all payments on time, I have disputed it through credit bureaus and still no word from the company.
07/07/2018	Yes	Credit card or prepaid card Government benefit card	Unexpected or other fees	TX 77498	Web
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX.
06/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28314	Web	Servicemember
In accordance with the fair credit reporting act Military Star Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28314	Web	Servicemember
In accordance with the fair credit reporting act Military Star Account # XXXX, has violated my rights. XXXX5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
04/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76542	Web	Servicemember
In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
04/29/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	VA 223XX	Web	Servicemember
In accordance with the fair credit Reporting act XXXX Account Ending # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
07/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28314	Web	Servicemember
In accordance with the fair credit reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
03/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70058	Web
In need of help with identity theft, I have someone one who open accounts in my name and charged account up to where the companies are calling me for payments and I didnt even open the accounts up, the balances go above 5,000, and the person who is doing this is trying to Open more accounts and putting inquiries on my credit, I have filed a petition for money owed and the person will not answer the door for the petition to be delivered
02/28/2017	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	TX 75052	Web	Servicemember
I got a notice in the mail yesterday saying they are going to garnish my wadges and collect any money I am getting back from my taxes or Government. I never recieved any other letters prior to this. No one tried to get ahold of me or anything before this letter. It is unfair and I could have set up a payment plan before all this happened. I called them and they said they will take all our taxes unless we pay the total amount right now.
09/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33414	Web	Servicemember
In accordance with the fair credit Reporting act Military Star Card, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
08/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75126	Web	Servicemember
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as latte for any purpose.
05/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AP XXXXX	Web
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
04/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WA 984XX	Web	Servicemember
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
04/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	KY 40160	Web	Servicemember
In Accordance with the Fair Credit Report Act, MILITARY STAR, has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604 a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
11/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30813	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on MILITARY STAR XXXX Balance {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
02/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 64133	Web	Servicemember
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
02/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	MD 219XX	Web	Servicemember
Payments reporting 30-60 days are on my credit report from XX/XX/XXXX-XX/XX/XXXX. I reached out to XXXX via email XX/XX/XXXX asking that late charges be waived. I explained I had left an XXXX ten year marriage with XXXX children and struggled to establish myself after finally getting out. I received an email back XX/XX/ that they would remain. I also sent a certified letter XX/XX/ and received another notice that they would remain.
04/02/2019	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	VA 23453	Web	Servicemember
I had an account with XXXX XXXX Card since XXXX, due to unfortunate events and bad financial habits my account had many late fees and issues. However, I always made payments till in XXXX I got into a personal situation ( divorce ) that kept me away from making my payments. Multiple time I speak with a company representative about my issues and the company provide me some help however the account when to a collection in XX/XX/XXXX.
03/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35405	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the rights to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
10/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CO 80011	Web	Servicemember
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681. Section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
05/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 20110	Web	Servicemember
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 15 USC 1681 Section ^02 States I have the right to privacy. 15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditors may not treat a payment on a credit card account under an open consumer credit plan as late for card purpose.
08/30/2023	Yes	Credit card Store credit card	Improper use of your report Reporting company used your report improperly	TX 77494	Web	Servicemember
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 : states I have the right to privacy. Under 15 USC 1681 section 604a section 2 : a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38138	Web	Older American, Servicemember
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan s late for their purpose.
09/02/2020	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MD 207XX	Web	Servicemember
This debt was already paid in full. I have a {$0.00} balance with this company. I was informed that if i paid it off in full that the account will no longer reflect on my credit report and it still reflects. This is hindering me from obtaining future credit. Im extremely upset that this has not been resolved as this is my 2nd complaint with the company and CFPB. I have proof showing that my account reflects a {$0.00} balance.
04/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32792	Web	Servicemember
In accordance with the Fair Credit Reporting Act, Military Star has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 Part 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 490XX	Web	Servicemember
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 US CS1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose.
04/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32792	Web	Servicemember
In accordance with the Fair Credit Reporting Act, Military Star has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 Part 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
10/09/2023	Yes	Credit card Store credit card	Other features, terms, or problems Privacy issues	AL 36330	Web	Servicemember
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681, section 602, states I have the right to privacy. 15 USC 1681 section 604a, section 2, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
05/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	HI 96786	Web	Servicemember
The following account Military star was closed and charged off on XX/XX/2019 Since then the account has been repeatedly reporting as a charge off every month. This is an update in the payment history which to my understanding charged off accounts should not hav an active payment history. This also falsely manipulated the statue of limitations. I am demanding a deletion of the following account : Best regards, XXXX XXXX
11/10/2015	Yes	Credit card	Other	MA 01089	Web	Servicemember
A Military Star Credit card, aka Take it Home Today, was settled in a dispute resulting in no balance due following settlement. As part of the settlement, the company agreed to remove the item from all trade lines. As of today the information for account # XXXX is still showing on the " XXXX '' credit reporting agencies trade line under my name, and is a violation of the agreement made by the company almost a year ago.
08/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72211	Web	Servicemember
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 use 1681 section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card under a open end consumer credit plan as late for any purpose
01/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92020	Web	Servicemember
XX/XX/2013 a XXXX account was opened with military star. This account is a fraudulent account opened by my ex while I was XXXX for XXXX XXXX military service. I had no knowledge this account existed until my social security wages were garnished. Ive contacted the company and disputed this with 2 major credit reporting agencies. This account now reflects a XXXX balance and this is negatively effecting my credit score
02/26/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76053	Web	Servicemember
My old AAFES military star account was closed in late XXXXearly XXXX. It recently was updated on my credit reports saying it closed in XXXX and that I had late payments in XXXX and XXXX. I could not have had any late payments those years as the account was closed many years ago. I want this error corrected on my report and the account years and payment dates updated with accurate dates reflecting closure in XXXX.
11/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV XXXXX	Web
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
06/27/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 95340	Web	Servicemember
I received a letter from AAFES stating that a debt was being referred to a collection agency. However the account I had with AAFES has been paid and closed. Also the account information is incorrect. When asked to verify the debt. No itemized bill statement was provided showing each charge of the over {$2000.00} debt suggested. No original paperwork for which I would have signed for the account was ever provided.
12/09/2016	Yes	Credit card	Delinquent account	MA 02140	Web	Servicemember
My commander was contacted on several occasions due to payments I made late on my exchange credit program ( ECP ) card. As your site says below, this is illegal, yet it is right on the ECP 's page of frequently asked questions payment questions. I understand that this matter is right in their terms and conditions, however, if this matter is truly illegal, there should n't be any " wiggle room '' in the matter.
05/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32810	Web	Servicemember
XXXX Started to garnish my income tax for a debt i do not and could not owe. i ask repeatedly for proof such as signed receipt or invoice with my signature or info for said debt. with no reply, still they continue to garnish mine and my wife 's income tax refund.The debt is no report to the Credit Bureaus due to lack of documents to validated their claim, and was removed from all XXXX Bureaus as a result.
06/05/2021	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NC 27834	Web	Servicemember
Someone placed a phone call to me. I told them that this was not my debt and i didnt understand where information was coming from. I was told that legal action would be starting and then hung up on. They also made a phone call to 5 of my family members within a hr of hanging up on me. I was given no information other then my name and I very old address to which i had grow up on more than 20 yrs ago.
07/17/2020	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92394	Web	Servicemember
The company is XXXX XXXX XXXX. I got a letter dated XX/XX/2020, stating that I owe them XXXX. I reported this account under identity theft and possible fraud. I had no knowledge of this account. This account might have been opened by now deceased father who has the same name. I submitted the Identity Theft Affidavdit and police reports. However they are still trying to collect on this debt.
09/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 22315	Web
I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The bureaus have had 240 days ) and ( two dispute letters ) to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
01/03/2024	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	NC 28412	Web	Older American, Servicemember
Received a statement on XX/XX/2023 for an account I did not open nor authorize. The account balance is {$5900.00} of the {$15000.00} credit line. After speaking to the customer service representative, it was confirmed I did not authorize or use this money. They placed a stop on the account. I have notified the police and reports were filed. FBI were being contacted to report this fraud.
07/02/2017	Yes	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	TX XXXXX	Web	Servicemember
About a month ago, I requested, via email to XXXXXXXXXXXX, an updated payment ledger as well as the balance for this count. I 've received no response. Last week, my wife received a phone call from someone at XXXX, who reported they were responding to the email. She reiterated that per the request that was sent, the information needed to be in writing. I 've yet to receive anything.
10/07/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	FL 34482	Web
Over the past few months I have been requesting validation on multiple occasions for a debt that is listed on my credit report. I have bee requesting evidence that bears my signature that shows that I have a contractual obligation to pay Military Star. I have not received anything that I requested and it is still listed on my credit report from all XXXX of the Credit Reporting Agencies.
11/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 313XX	Web
I have sent debt validation letters and dispute letters to Military Star Card in regards to a debt of {$990.00}. The Last reporting date and Last date active are inaccurate. I have sent letters on XX/XX/2021 and XX/XX/2021. According to 15 U.S. Code 1679c. A consumer has the right to dispute any inaccurate information found on their credit report. This is having an affect on my report.
05/28/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 761XX	Web	Servicemember
I joined the military in XX/XX/XXXX. I opened a credit card ( XXXX XXXX XXXX ) on XX/XX/XXXX. After a devorce and a XXXX XXXX from the XXXX in XX/XX/XXXX my balance owed and limit on my XXXX XXXX XXXX was {$3300.00}. I never received or was informed my interest was going up do to several moves. I'm being charged over {$6000.00} on a {$3000.00} credit card. They doubled what I owe.
01/16/2024	Yes	Credit card Store credit card	Fees or interest Charged too much interest	TX 76502	Web	Servicemember
Never received original letter discussing debt nor repayment options Have been garnished for over the original amount owed Account continues to accrue interest No statement provided each period as required by law- FDCPA and truth in lending disclosure AAFES defers to XXXX however AAFES still garnished tax return- if debt belongs to XXXX now , how can it be treated as federal??
03/12/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	AL 35802	Web	Servicemember
Please change this account status as it is not in collections. This account is paid in full, closed, and no payment is due. Payment history shouldn't show in collections or charge off. Please remove deragtory payment history, remove incorrect remarks and incorrect account status remarks please. Please report corrected information to all 3 bureaus as soon as possible. Thank you.
02/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75098	Web	Servicemember
I was in the military got XXXX in XX/XX/2016 AAFES military star card hasn't been updating to my credit report at the past 6 years.. it has been showing on my credit report has charged off reporting a balance I have emailed them and emailed them and asked them remove it from my cr3sit for reporting false information I even disputed with the 3 credit bureas and still not removed
12/17/2018	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	MI 48035	Web	Servicemember
Tried to make payment on XX/XX/2018 to XXXX XXXX XXXX XXXX XXXX program online but was unable to on its website. Called to make payment and was unable to due to my account being " locked '' and was told I would have to make payment at a store that was not available at my current location. This store card is a scam that should be blocked by the service member civil relief act.
10/30/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	WA 98513	Web	Servicemember
On XXXX the XXXX of XXXX my vehicle was broken into and personal records, documents, cards were stolen. A police report has been filed and insurance has been contacted. I got a email today XXXX XXXX that a credit card was opened in my name. Someone has been using the documents to gain my identity and used them to open credit card accounts in my name without my knowledge.
03/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08234	Web	Servicemember
In accordance with the Fair Credit Reporting Act the creditors has violated my rights. Under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 604A section 2 it also states a consumer reporting agency can not furnish my account without my written consent. 15 USC 1666B a creditor may not treat a payment under and open and any consumer credit as late.
03/20/2020	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	NM 88101	Web	Servicemember
I have a military star card with an unknown minimum payment. This account has been open since XXXX of XXXX. I pay the full, or at least half of the statement balance each month through the mobile app. A late payment remark was put on my credit report in XXXX of XXXX. Im positive I payed on time and believe it was an issue with the mobile app processing my payment slowly.
03/26/2017	Yes	Credit card	Delinquent account	GA 30809	Web	Servicemember
I was not properly notified of the delinquency in this account. I was under the impression that I had paid the accounts off. It is possible that the later charges on the account were fraudulent. I learned of the delinquency of this account when I was notified by the IRS that my tax refunds would be offset for a federal debt. This account has been paid in full since 2014.
10/25/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	FL 32548	Web	Servicemember
I got a credit card from the XXXX and XXXX XXXX XXXX and was unable to make payments. Now they are garnishing my social security XXXX income for apx $ XXXX. Had I known that they could do this, I would have made payments. Also, I do n't recall ever receiving any disclosures stating that should I not be able to make payments, they could and would garnish my XXXX income.
07/02/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT XXXXX	Web
Military Star is reporting 30 day late 's on my account. My payments were automatically deducted from my paycheck. When i looked into it I noticed i was only being deducted once every 3 months, upon this discovery i paid this account in full. I was unaware of these late notations until i pulled my credit. I am unsure why they were only deducting once every 3 months.
10/25/2020	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 90815	Web	Servicemember
Hello, On XX/XX/20 Military Star Card agreed to a settlement amount of {$350.00} and sent me a settlement offer. They then drafted the payment and are still reporting the debt as not paid on my credit report. The collection should be removed from my credit report as they agreed to the settlement. They are also still sending me letters in the mail to make a payment.
07/28/2023	Yes	Credit card or prepaid card Store credit card	Incorrect information on your report Account information incorrect	FL 33418	Web	Servicemember
I'm sorry to trouble you, but there seems to be a mix-up. My account, which I completely paid off in 2019, is currently marked as a collection account. This appears to be a misunderstanding or error, as I clearly recall paying the balance and closing this account over four years ago. Apologies for any inconvenience, and I hope we can resolve this issue soon.
12/14/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	GU XXXXX	Web	Older American, Servicemember
I requested for a monthly statement from XXXX XXXX to present to verify amount Military Star Card is billing me. No statements were send, but, was informed to pay the amount of {$6100.00}, or the balance unpaid will be turned over to a collection agency.I have never used the Military Star Card since XXXX XXXX, I paid off the Take It Home Card in XXXX XXXX.
07/20/2016	Yes	Credit card	Billing disputes	NY 11237	Web	Servicemember
This XXXX will never go into default! How is that possible? The company is also using my social as the acct number which means any employee has accesses to my full name and social. The card has been gaining interest for the last 3 years so its grown to 10 times the money I actually owed. Some one needs to look into what this company is doing to vets.
08/12/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98516	Web
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
04/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 912XX	Web
Hi thank you again for taking the time for reading my complaint. XXXX is taking longer than 30 days for debt validation. I have requested from MILITARY STAR to provide proper debt validation and they are unable to. They do not have a copy of a contract. I have also asked XXXX to investigate this matter and it has been longer than 60 days.
02/09/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 93612	Web	Servicemember
I ETS out the XXXX XXXX XXXX 2014. In order to clear the post I had to settle all debts. One was to XXXX and the other was to the AAFES on post. With my severance pay I got from the military. Both companies then took payments out my severance package so I can complete my clearing. I've never stepped inside another military AAFES after I got out.
05/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or missing disclosures	CO 80247	Web	Servicemember
I have loans that are over XXXX XXXX XXXX from like my military star card which I was swore. I paid off. I've been paying you even though I'm not sure if I even owe them. There's got to be some way I can Settle it since it's over XXXX XXXX XXXX. I also have other debts that are over a XXXX XXXX XXXX. That should be taken off my credit report.
08/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	ME XXXXX	Web	Servicemember
Account should not be currently reported as collection account, as it is paid and closed. Should not be reporting as a collection account as the creditor assigned this account to a collection agency. Account is paid and closed, and not a current collection account. Also, account was supposed to be placed in a medical hardship status. Thank you.
02/13/2016	Yes	Credit card	Billing disputes	TX 791XX	Web	Servicemember
We purchased an item from the company, we found the item local and inquired with the company via chat on their website how to return the item. They advised us just to reject the item delivery. That is exactly what we did and the company states they never received the item and will no longer return our contact attempts to help resolve the issue.
03/01/2022	Yes	Credit card or prepaid card Government benefit card	Unexpected or other fees	FL 32940	Web
I had a balance left of {$8.00} with my Military Star Card. I called and spoke with a representative about paying off the debt and if they would remove all negative remarks pertaining to my account/credit report. They agreed and I made my final payment. I still see the remarks on my credit. I have it all recorded on the verbal conversation.
06/07/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 92251	Web	Servicemember
I was paying off my credit card debt while employed with the military in 2000. When I got out of the military, I could not find work and could not pay the debt. I recently tried to pay the original debt off of {$1200.00} but now the amount has tripled to {$5800.00}. This debt is now 11 years old and should be removed from my credit report.
11/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30253	Web
My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
03/06/2022	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	WA 98408	Web
To Whom it may concern, MILITARY STAR XXXX XXXX XXXX XXXX MILITARY STAR is refusing to honor my remittance coupon I mailed in as payment and they refuse to adjust the balance on my account. I made the payment in accordance to UCC article 13, 15 USC 1602 ( l ) 18 USC 8, UCC 3-603, UCC 3-311 . See attached electronic return receipt.
04/05/2023	Yes	Credit card or prepaid card Store credit card	Incorrect information on your report Information belongs to someone else	IL 616XX	Web	Servicemember
Wrong information on my credit report fraud connected to addresses that I never lived at on credit report! Someone fraudulent using my information. Fraud on this account MILITARY STAR Card XXXX You may contact the customer service desk where the payment was made or contact the Exchange Credit Program Call Center at XXXX ( STAR ).
02/13/2018	Yes	Credit card or prepaid card Store credit card	Incorrect information on your report Old information reappears or never goes away	FL XXXXX	Web	Servicemember
I have been a XXXX XXXX Customer for about 13 years. During the course of those 13 years i have gone on 7 deployments. During the course of those deployments to XXXX and XXXX there have been times i have had no access to computers or a store location to pay. SCRA benefits have never been applied to my account during these times.
11/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90046	Web
XXXX, XXXX XXXX XXXX and XXXX cobtinue to report disputed account due to identity theft that has been previously filed and certified mail to each parties concerned yet they claim this debt belongs to me after thorough investigation I have asked for paperwork and or validation of the debt and they have not responded to my request
12/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77566	Web
On XX/XX/2023, a Military Star card was opened for the amount of {$850.00}. Military Star XXXX XXXX XXXX XXXX, TX XXXX I didn't not apply for this line of credit, and believe you have to be an active member of the military to open this. I was notified by XXXX XXXX and XXXX to verify this account and that is how I found out.
08/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	WA 984XX	Web
Companies have exceeded the maximum allowable days of investigation and have not given verifiable evidence of the accuracy reporting on of credit report. Also they didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ;
08/04/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NE 68005	Web	Servicemember
I acquired roughly {$5000.00} of debt in XXXX. Within the last couple of months, now in XXXX, payments are being withheld from my paycheck from XXXX XXXX , XXXX My tax returns from the last 6 years have been withheld amounting roughly {$6000.00} because of this. I just received a bill stating I still owe roughly {$8000.00}.
12/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	GA 30236	Web
I've reached out to Military Star and XXXX/ XXXX XXXX and asked them to provide me with documents, and the procedure they took that proves and validates that I had ever been late on any of my payments. I have yet to receive any proof and I dispute the accuracy of the information that is being reported on my credit report.
02/18/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89169	Web	Servicemember
Back in XX/XX/2019, I had a briefly late payment with my Military Star credit card. ( Used for purchases on U.S. military post exchanges. ) I quickly paid it, and requested the removal of this from my credit report, as I've had 100 % on-time payments with Military Star and all other credit cards and payments since then.
01/05/2024	Yes	Credit card Store credit card	Getting a credit card Card opened without my consent or knowledge	UT 84020	Web
A fraudulent Account was opened under AAFES/Military Star. The account was approved with a {$6500.00} credit limit and {$100.00} dollars was charged by the fraudulent person to purchase a {$100.00} gift card. My XXXX number, social, date of birth and address was used to open this account to include my email address.
06/29/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	FL 33703	Web
I want this company to stop harassing me and sending me letter. I also want this company to be report to the XXXX and the Florida Law for not respecting the DO NOT CALL list who is punishing of fine. Make sure this company stop sending me any more letter or calling me for this invoice. I do n't even know this company
08/22/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Charged too much interest	GA 30062	Web	Servicemember
I am on a fixed income I charged the maximum on my card, because I am XXXX and I want to start working from home once I get stronger. So when I got the XXXX XXXX very Small one and the immediately increased my minimum payment so I pay that but the interest is still too much because I still need supplies to help me.
09/02/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33126	Web	Servicemember
XX/XX/XXXX XXXX payment. {$1600.00} XX/XX/XXXX XXXX payment. {$390.00} XX/XX/XXXX XXXX PAYMENT {$750.00} Future attempt to seize paycheck {$810.00} I have asked since day one to provide proof of purchase. Only thing delivered has been a balance statement. None of the statements have any item for what was purchased
07/17/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MD 207XX	Web	Servicemember
I have contacted the company and credit bureau twice in regards to this account and no response on the results or status. I have yet to receive original documents proving the the account is mines. This is defamation of character on their part and i am disappointed in this company for these inaccurate claims.
09/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	AE XXXXX	Web	Servicemember
Military Star Card Exchange had added late payments to my credit report while I was XXXX overseas. I informed them of my XXXX after seeing the late payments and even with proof of overseas they said they were unwilling to do anything. Its causing extra stress and hardship on an already hard XXXX lifestyle.
06/16/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	AL 36117	Web	Older American, Servicemember
XXXX-17 Principal. {$5500.00} Pre-placement interest. XXXX Collection costs. XXXX Total balance XXXX They have start taking money out of social security check XX/XX/XXXX. I was told by XXXX XXXX XXXX and army & air force exchange service said they will offer a buy out in XX/XX/XXXX. I 've heard from them.
11/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 604XX	Web
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
09/04/2020	No	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TX 78247	Web	Servicemember
Made a purchase with retailer and they didn't deliver as agreed. The item was returned before delivery through the shipper. Item was returned and signed for. The retailer has failed to credit the card account after two calls. Giving an excuse of a manager needing to look it over and a three day process.
04/21/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	MD 21117	Web	Servicemember
This debt is beyond the Maryland Statute of Limitations. It is illegal for a debt collector to collect on an expired debt. They have taken illegal action by seizing my Maryland State Refund when the debt had already expired and beyond the Statute of Limitation which is 3 years in the state of Maryland
12/11/2023	Yes	Credit card Store credit card	Getting a credit card Application denied	AZ 851XX	Web
AAFES received an application for credit in my name. They attempted to verify my identity with me due to a credit alert I have with the credit bureaus but they were unable to verify. The application is showing on my credit as a hard pull however it was not me applying for an AAFES card or credit.
02/27/2023	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	TN 37664	Web	Servicemember
AAFES refused my payment from my bank card and said the only way I could pay would be to drive 375 miles, to the nearest major Army or Air Force base, and make in person payments. When I called them to try to make payments they locked me out of my account and immediately sent it to collections.
08/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	HI 96818	Web	Servicemember
I was recently XXXX in a remote location where I had no access to the internet and was unable to make a payment. I reached out to the company and was provided an email and no other way to explain the situation. Since that time I have paid in full the credit card and have a XXXX balance.
11/16/2021	Yes	Credit card or prepaid card Store credit card	Incorrect information on your report Account status incorrect	FL 33579	Web	Servicemember
I was hospitalized for XXXX during the time earlier this year. I have contacted XXXX XXXX Card to ask for a reconsideration of the late payment being annotated on my account due to my situation. XXXX XXXX has stated they do not correct any issues that are reported on credit report.
05/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92105	Web	Servicemember
I could not pay because I did not know how. I called but it was impossible to pay online. Also my ship leaves so much like every week or other week I am underway. The XXXX late payments have too my credit score down dramatically and by the way this card is completely paid for now.
11/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75234	Web
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
02/10/2018	Yes	Credit card or prepaid card Store credit card	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	VA 22306	Web	Servicemember
I created a budget to pay off the military star card. I was projected to pay off the card by XX/XX/XXXX. I didn't know/was n't notified that I still had a remaining balance of less than {$1.00} for the XX/XX/XXXX & XX/XX/XXXX. I didn't see anything until my credit scored changed.
12/23/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	WA 98444	Web	Servicemember
I phoned the company and told them the account was paid in full and that they were still reporting that I owed XXXX $ on my credit. I asked them to update their information to reflect account paid in full over 2 years ago and also sent two emails about the situation to no avail.
08/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 604XX	Web
As a federally protected Consumer, I am here to contest any alleged claims that you are now listing as consumer debt on my credit report. The Consumer requests verification in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( 8 ). ( FDCPA ).
09/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 43110	Web	Servicemember
I disputed a error on my credit file from Army/Air force exchange around XX/XX/XXXX it is showing a late payment for XXXX $ on XX/XX/XXXX. I never received a invoice this month for and i feel like the error should be corrected. I've never been late before with this company.
01/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 363XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX Payment history incorrect. Showing multiple late payments. XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XX/XX/XXXX Some look as if they are duplicates.
04/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32792	Web	Servicemember
I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXX XXXX and/or XXXX ) credit report XXXX My latest credit report shows Army & Air Force Exchange Service credit inquiry/inquiries that I did not authorize.
04/13/2021	No	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	WA 984XX	Web
XXXX XXXX XXXX sent me a letter saying I owe about XXXX and then on the phone said I owed XXXX XXXX due to Interest charges, fees, etc. They also call me 5x a day and are very rude even though Im trying to figure out a repayment plan since I lost my job due to covid.
12/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 283XX	Web
CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). ANOTHER METHOD PEOPLE DO IS JUST FILE AN FTC REPORT WITH ALL THE ACCOUNTS LISTED
08/13/2019	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	MN 55420	Web	Servicemember
I've sent numerous disputes that the debts in question are incorrect, however, the agency has not acknowledged or responded to any of my disputes. Cease and Desist letters were recently sent, of which were ignored as they continue to send multiple letters weekly.
03/17/2022	Yes	Credit card or prepaid card Store credit card	Incorrect information on your report Information belongs to someone else	MD 210XX	Web
Account opened XX/XX/2017, current outstanding balance {$5900.00}. This account was opened without my consent and Ive mentioned this to the company a few times. I believe someone deliberately obtained my information and used it to obtain the card for purchases.
12/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75043	Web
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
03/30/2021	No	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	MD 212XX	Web
Fraudulent Army Airforce Exchange charges, requested removal authorized user Unable to contact Exchange Services Communication with Impersonating Representative Request removal with provided documentation XXXX Alert : Personal Information distributed dark web
05/07/2019	Yes	Credit card or prepaid card Store credit card	Fees or interest Charged too much interest	OH 450XX	Web	Servicemember
AAFES Army Air Force exchange had credit with them they took full federal tax return and never returned the difference. They took it from my husbands return and this card was in my name. They never adjusted the account for the service members civil relief act.
07/28/2021	No	Credit card or prepaid card Store credit card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	ME XXXXX	Web	Servicemember
While going through XXXX treatments, account defaulted. Account was eventually paid off, while going through treatments. Account is still reporting as a collection account even after paid in full and closed, and I did not receive a final statement of closure.
10/20/2020	No	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	KS 67401	Web
received a billing statement from Military Star for {$6900.00}. I have never had an account with this company. I filed an action with identitytheft.gov on XX/XX/2020 and sent Military Star a disputed account letter but haven't received any response from them
08/05/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	WA 98516	Web
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
05/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KS XXXXX	Web
I live in Kansas and when I called military star they stated the account was opened in Texas. I attempted to dispute the card and they continued to report to the credit agency. I do not qualify for a military star card, I have never served in the military.
11/16/2023	Yes	Credit card Store credit card	Fees or interest Charged too much interest	VA 22314	Web	Servicemember
Per the SCRA ( Service Members Relief Act ) more specifically the Ohio Law ext 164 notes that Ohio extends the 6 % interest cap on all debts, not just those incurred prior to XXXX XXXX. I am a Ohio resident and my place of entry into XXXX XXXX was Ohio.
05/22/2016	Yes	Credit card	Delinquent account	CA 91910	Web
I have a STAR Card which has automatic payments going to it and even with these payments, they keep submitting I am past due and they will not remove the late payments. I was XXXX from XXXX 2015 until XXXX 2015 and was unable to handle this issue.
07/19/2021	No	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MI 48212	Web	Servicemember
I purchased two pair of boots from XXXX in XX/XX/2021 using my military star card. The boots were defective and I was instructed to return them. I did and I was ensured that the transaction would be reversed and as of XX/XX/2021 it has not been.
10/21/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28314	Web	Servicemember
XXXX of 2020 my credit card company militarystar labeled my account 30 days past due. I was XXXX during this time without any type of communication. I have tried to call and dispute over the phone but no request has been fulfilled.
06/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 207XX	Web
The Charge-off account with Military Star Shows that it is paid in full on my Account Statement. I spoke to someone from the department and they told me that they will remove the information from my report but have failed to do so.
04/12/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	PA 15108	Web	Servicemember
Notified the original debtor and tried to contact the US Treasury regarding wage garnishment for a debt that was owed. Wage garnishment is continuing for a debt that should have been paid in full. Email and documentation attached.
11/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	VA XXXXX	Web	Older American, Servicemember
Please find attached, my Formal Dispute and Refusal to Pay Alleged Debt on Military Star Credit Card Account XXXX Due to Non-Compliance with Federal Laws and DoD Regulations dated XX/XX/2023, including supporting documentation.
09/29/2016	Yes	Credit card	Billing disputes	NC 27896	Web	Servicemember
The Army Air Force Exchange is in accurate penalties that I do not owe. I have been threatened by taking my XXXX away. This action will cause me to become homeless as a veteran an financial hardship. I request actions be stopped
03/05/2021	No	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 30224	Web	Servicemember
XXXX XXXX is reporting and trying to collect the incorrect amount of a debt. The debt is closed and has been since 2017, however XXXX is adding over {$46.00} a month to the debt and putting that information on my credit report.
01/10/2024	Yes	Credit card Store credit card	Fees or interest Charged too much interest	LA 71105	Web	Servicemember
I submitted a SCRA benefits claim, but they proceeded with the case as a Deployment SCRA benefit request. However, I am XXXX in Louisiana and state law states that all interests will be under 6 % as long as you are XXXX XXXX.
08/12/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MO 655XX	Web	Servicemember
I received an email notification on XXXX XXXX suspending my account and falsely threatended to contact commanding officer to pressure to pay debt. This a unfair and deceptive act that violates federal consumer financial laws.
02/25/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IA 506XX	Web
My original aafes debt which is now managed by XXXX XXXX XXXX was discharged in a chapter XXXX bankruptcy in early XXXX and they have been garnishing my income tax returns for XXXX years now on this debt that was discharged.
02/09/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28212	Web
Late payment showing on account on XX/XX/XXXX, and XX/XX/XXXX. Account has been closed since XX/XX/XXXX with date of last activity on XX/XX/XXXX. No late payments have ever been made on account. Payment history is inaccurate.
11/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80916	Web	Servicemember
XXXX and AAFES both refuse to correct erroneous information on my credit report. My account was paid in full and closed XX/XX/XXXX. They are reporting ai had a late payment XX/XX/XXXX. I did not even have an open account
03/08/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NY 136XX	Web	Servicemember
There was a debt of {$4400.00} that was owed to MILITARYSTAR. It was paid out of our income tax return from the treasury on XX/XX/2023. XXXX put that they updated to charge off instead of removing after collection was paid.
08/11/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	XXXXX	Web
I have recently requested a copy of my credit statements that have been submitted to a collection agency and upon reviewing the documents, I found some outrageous amount of interests that have been charged under my account.
01/07/2024	Yes	Credit card Store credit card	Getting a credit card Card opened without my consent or knowledge	CA 949XX	Web	Older American, Servicemember
On XXXX XXXX, XXXX a Military Star Credit Card was opened in my name fraudulently and without my consent or knowledge. This is identity theft. This showed up on my XXXX credit report and I was notified in this regard.
07/28/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85326	Web	Servicemember
Re : CREDIT REPORTING ERROR. Misreporting Military Star data reporting to XXXX and XXXX includes 1 ) dates of last activity on XXXX, 2 ) duplicate reporting on XXXX, and 3 ) balance on duplicate XXXX reporting.
10/05/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
I do not know what this account is in the amount of XXXX is for. I do not even know who to contact. I am requesting that this company please provide me with documentation supporting that this debt is owed.
02/07/2019	Yes	Credit card or prepaid card Store credit card	Problem when making payments You never received your bill or did not know a payment was due	CT 062XX	Web	Servicemember
Attempted to contact creditor after discharge from military card closed and charged off without warning after discharge. No statements received no contact information to get to someone to pay balance due.
02/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA XXXXX	Web	Servicemember
I have duplicate reporting and one of them is closed and the other is currently opened and I had missed payment on them but ive been making payments on time and in fact I paid the balance down to 10 %.
05/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	HI 96786	Web	Servicemember
My name is XXXX XXXX and I have a collection on all XXXX credit bureaus. The debt has been paid in full and the company will not delete it off my report. This is unfair and something needs to be done.
06/30/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 33030	Web	Servicemember
XXXX XXXX XXXX. sent me a letter saying i owe {$1000.00}. the account is closed and settled for {$1600.00} and was given for army & air force exchange svc.. creditors acct # XXXX XXXX acct # XXXX
04/23/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 27288	Web	Servicemember
Paid account in full that was owed to Military Star Card. Derogatory remarks were not removed. XXXX XXXX was settled and still showing derogatory remarks on credit report and were not removed.
02/11/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 30014	Web	Servicemember
I am trying to settle a debt with the Army & Air Force Exchange Service directly and not with the collection agency due to the poor service. Account # XXXX XXXX XXXX XXXX Thank you, XXXX XXXX
07/28/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	TX 78148	Web
They are garnishing my ssi check and not reporting it to the credit bureau 's not showing its paid on time every month and still the balance is still the same after 3 years of garnishment!
05/18/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NC 27288	Web	Servicemember
Navy Exchange wrongfully cited me as owing on a account that was already paid. This check was made after everything was paid. The payments were taken out of my retirement paycheck.
12/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 75254	Web	Servicemember
AAFES continually reports to the credit bureaus that my account is in negative standing. I have sent a letter asking for validation and I have yet to receive a letter from AAFES.
11/18/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02136	Web
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
09/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NV 890XX	Web
I have requested items on my credit report are investigated and please send me results in 30 days, This investigation took well over 30 days as I am still waiting results.
04/29/2015	Yes	Credit card	Bankruptcy	KY 40160	Web	Servicemember
My military star card was paid off in a bankruptcy. The company has ignored my request to update the status of the account as " current in accordance with bankruptcy ''.
03/28/2021	No	Credit card or prepaid card Store credit card	Closing your account Can't close your account	MD 212XX	Web
Army Airforce Exchange Credit Services Contact with fraudulent representative Request removal from ex-spouse account No access to account Suspect credit card Fraud.
05/14/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA XXXXX	Web	Servicemember
Please see My attached With Prejudice as a Memorandum for the Record, dispute of billing errorvalidation and verification of alleged debt/account dated XX/XX/2023.
04/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11412	Web
XXXX XXXX, Date Opened XX/XX/XXXX XXXX Owed {$8500.00}. XXXX XXXX, Date Opened XX/XX/XXXX the balance amount reporting is conflicting {$6000.00} vs {$4000.00}.
10/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA XXXXX	Web
* I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
01/04/2024	Yes	Credit card Store credit card	Closing your account Can't close your account	TX 76502	Web	Servicemember
Ive satisfied the original amount due on account post charge off. Company continues to report balance for interest that has accrued since account was closed.
05/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA XXXXX	Web	Servicemember
Please see My attached With Prejudice as a XXXX for the Record, dispute of billing errorvalidation and verification of alleged debt/account dated XX/XX/2023.
07/21/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 76201	Web	Servicemember
I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.
12/10/2020	No	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	TX 76502	Web	Servicemember
I did not open a credit card with a company. Ive tried to call but no one never gives me any information about this card and how it got opened in my name
12/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	GA 31721	Web	Servicemember
I need to get a balance sheet stating the payments made after account was closed. Also need current balance and status of account on company letterhead.
02/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AL XXXXX	Web
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
11/21/2022	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	AR 720XX	Web	Servicemember
Someone opened a fraudulent account using my identity around 2018 and the company keeps telling me Im still responsible for the debt and I created it
04/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 283XX	Web	Servicemember
Account remarks show the account under the wage-earner plan and the account was included in bankruptcy but no bankruptcy is on my consumer report.
03/02/2022	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	VA 23503	Web	Servicemember
The military star card of the navy exchange sends letters to my commanding officer anytime i am past due on payments and has done this for years.
10/16/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29209	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
01/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92394	Web	Servicemember
XXXX XXXX XXXX is listed on my credit report. I did not charge anything on that card. It was fraudulently used by someone other than me.
09/05/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29229	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
06/12/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CO 802XX	Web	Servicemember
I paid off my debt in XXXX of 2018. They are showing it still in collection. There is and has been a zero balance for over 2 years.
10/11/2023	Yes	Credit card Store credit card	Fees or interest Charged too much interest	LA 704XX	Web	Servicemember
Requesting that Military Star Card adjust my credit card interest rate to the 6 % cap that Louisiana statute RS 29:312 states.
02/23/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	MA 015XX	Web	Servicemember
Military Star card - reporting late on 3 credit reports XX/XX/2019 by 30 days. account number XXXX account has never been late
06/23/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28212	Web	Servicemember
Account shows pass due payment in XXXX. Card has been paid off since XXXX. No activity should be shown on account after XXXX.
08/25/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	WA 98310	Web	Older American, Servicemember
Please see enclosed letter to Army/Air Force Exchange dated XXXX XXXX, XXXX. I have never been in the Army or Air Force.
03/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29483	Web	Servicemember
Late payments thats shouldnt be on my consumer report according to 15 U.S. Code 1681a illegal to report late payments
11/20/2023	Yes	Credit card Store credit card	Getting a credit card Card opened without my consent or knowledge	WI 548XX	Web	Older American, Servicemember
I was sent an unsolicited credit card and purchases were made on the card without my knowledge ( authorization ).
01/23/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	MD 21040	Web	Servicemember
CAN AFFES CHARGE US XXXX PAYMENT ON A PAYMENT OF XXXX FOR AN ACCOUNT IN COLLECTIONS AND WE ARE NO LONGER CHARGING
01/27/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CO 80906	Web	Servicemember
The balance on my credit report is inaccurate and needs to be updated and it is the military star card account.
01/10/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 76502	Web	Servicemember
Account closed and debt was paid- continues to collect interest on interest. This is not in keeping with FDCA
06/17/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	FL 33624	Web
MILITARY STAR IS IN VIOLATION OF THE FRCA. THEY HAVE AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE.
06/22/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TN XXXXX	Web	Servicemember
Military Star account on my credit report is showing as a charge off. This account was paid in full.
08/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37042	Web	Servicemember
This was a charge off XXXX yrs ago. I got it off my credit report and they added it back on again
11/03/2020	No	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	KS 66062	Web	Servicemember
My personnal information was used open an Exchange Military Star Card account on XXXX XX/XX/2020.
04/22/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Filed for bankruptcy	ME XXXXX	Web	Servicemember
Account reporting incorrectly, as XXXX XXXX bankruptcy was filed and discharged in XXXX.
08/19/2017	Yes	Credit card or prepaid card Store credit card	Unable to get your credit report or credit score Other problem getting your report or credit score	AK 99504	Web	Servicemember
Wrong address. No activity. Asked for a card. Interest building? Credit card default.
07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94591	Web
My identity was stolen and numerous credit cards and purchases were made in my name
07/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 731XX	Web	Servicemember
Wrong amount owed to company this is a car I paid off already needs to be updated
12/11/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	OK 74133	Web	Older American, Servicemember
I received a credit card from Military Star, I did not apply for!
12/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OR 97402	Web	Servicemember
XX/XX/XXXX. I AM NOT XXXX. FIX IT NOW
11/18/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NV XXXXX	Web	Servicemember
Investigation took more than 30 days!
02/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76542	Web	Servicemember

02/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76542	Web	Servicemember

02/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	RI 02895	Web

02/08/2024	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Public record information inaccurate	VA 23322	Web	Servicemember

02/05/2024	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	MD 20774	Web	Older American, Servicemember

02/02/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91436	Web	Servicemember

02/01/2024	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 10954	Web	Servicemember

01/31/2024	Yes	Credit card Store credit card	Fees or interest Charged too much interest	LA 71104	Web	Servicemember

01/26/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	VA 23323	Web	Servicemember

01/23/2024	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	AP 96322	Web	Servicemember

01/21/2024	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	AP 96322	Web	Servicemember

01/20/2024	Yes	Debt or credit management Debt settlement	Unauthorized withdrawals or charges	VA 23839	Web

01/15/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31093	Web	Servicemember

01/15/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31903	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29456	Web

01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75078	Web	Servicemember

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	TX 76522	Web	Servicemember

01/03/2024	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	NC 28504	Web	Older American, Servicemember

01/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CO 80817	Web	Servicemember

01/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 98466	Web

12/31/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	CA 95838	Web	Servicemember

12/27/2023	Yes	Credit card Store credit card	Getting a credit card Card opened without my consent or knowledge	FL 349XX	Web	Servicemember

12/21/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	WA 98465	Web	Servicemember

12/20/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	VA 22314	Web	Servicemember

12/19/2023	Yes	Credit card Store credit card	Fees or interest Charged too much interest	FL 32043	Web	Servicemember

12/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OR 97844	Web	Servicemember

12/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29607	Web

12/11/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	LA 70785	Web	Servicemember

12/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA XXXXX	Web	Older American, Servicemember

12/09/2023	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	NM 87059	Web

12/09/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	TN 37620	Web	Older American, Servicemember

12/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	GA 31093	Web	Servicemember

12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34758	Web	Servicemember

12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85284	Web	Servicemember

12/07/2023	Yes	Credit card Store credit card	Getting a credit card Card opened without my consent or knowledge	VA 22309	Web

12/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 16648	Web	Servicemember

11/28/2023	Yes	Credit card Store credit card	Getting a credit card Card opened without my consent or knowledge	VA 23703	Web	Servicemember

11/28/2023	Yes	Credit card Store credit card	Other features, terms, or problems Other problem	AR 72712	Web	Servicemember

11/27/2023	Yes	Credit card Store credit card	Fees or interest Charged too much interest	LA 70634	Web	Servicemember

11/24/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 31905	Web	Servicemember

11/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32222	Web	Servicemember

11/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 31905	Web	Servicemember

11/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	MS 39402	Web

11/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 31905	Web	Servicemember

11/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NC 27301	Web

11/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23231	Web	Servicemember

11/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32669	Web	Servicemember

11/17/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 31217	Web	Servicemember

11/15/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 32803	Web	Servicemember

11/14/2023	Yes	Credit card Store credit card	Incorrect information on your report Account information incorrect	GA 30228	Web

11/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75078	Web

11/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28547	Web

11/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75078	Web

11/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22408	Web

11/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27545	Web	Servicemember

11/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	RI 02911	Web	Servicemember

10/25/2023	Yes	Credit card Store credit card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	CA 92584	Web	Servicemember

10/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33619	Web	Servicemember

10/16/2023	Yes	Credit card Store credit card	Problem when making payments Problem during payment process	UT 84036	Web	Servicemember

10/14/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	OK 74081	Web

10/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76549	Web	Servicemember

10/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31903	Web

10/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95127	Web	Servicemember

09/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37042	Web

09/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27545	Web	Servicemember

09/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36856	Web

09/15/2023	Yes	Credit card Store credit card	Getting a credit card Card opened without my consent or knowledge	CO 80918	Web

09/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28547	Web

09/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70601	Web

09/08/2023	Yes	Credit card Store credit card	Incorrect information on your report Account information incorrect	NC 28401	Web	Servicemember

09/08/2023	Yes	Debt or credit management Debt settlement	Problem with customer service	FL 34758	Web	Servicemember

09/05/2023	Yes	Credit card Store credit card	Struggling to pay your bill Filed for bankruptcy	ME 04038	Web	Servicemember

09/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34758	Web	Servicemember

09/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34758	Web	Servicemember

09/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34758	Web	Servicemember

08/31/2023	Yes	Credit card Store credit card	Problem when making payments Problem during payment process	FL 32226	Web	Servicemember

08/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76549	Web	Servicemember

08/18/2023	Yes	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	MD 20852	Web	Servicemember

08/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32226	Web	Servicemember

08/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32226	Web	Servicemember

08/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	CA 91910	Phone	Servicemember

08/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32226	Web	Servicemember

08/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32226	Web	Servicemember

08/02/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OH 45662	Web	Servicemember

07/28/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MS 39212	Web

07/25/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	VA XXXXX	Web	Older American, Servicemember

07/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 76544	Web	Servicemember

07/17/2023	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	FL 32226	Web	Servicemember

07/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95348	Web

07/17/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CO 80202	Web	Servicemember

07/16/2023	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	FL 32226	Web	Servicemember

07/13/2023	Yes	Credit card or prepaid card Store credit card	Fees or interest Charged too much interest	CA 92688	Web	Servicemember

07/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32583	Web	Servicemember

07/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36535	Web	Servicemember

07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92058	Web	Servicemember

07/06/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	SC 29210	Phone	Servicemember

07/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 23608	Web	Servicemember

07/05/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Problem lowering your monthly payments	SC 29210	Phone	Servicemember

07/02/2023	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	CT 06423	Web	Servicemember

06/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23608	Web	Servicemember

06/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28560	Web	Servicemember

06/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33626	Web

06/18/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Charged too much interest	LA 71459	Web	Servicemember

06/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AK 99712	Web	Servicemember

06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 780XX	Web	Servicemember

06/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 79912	Web

06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92584	Web	Servicemember

06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28304	Web

06/01/2023	Yes	Credit card or prepaid card Store credit card	Other features, terms, or problems Privacy issues	TX 78108	Web	Servicemember

05/22/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NJ 07052	Web	Servicemember

05/22/2023	Yes	Credit card or prepaid card Store credit card	Incorrect information on your report Account information incorrect	GA 30054	Web	Servicemember

05/20/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MS 39305	Web	Servicemember

05/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76549	Web

05/03/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	HI 96786	Web	Servicemember

05/02/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NJ 07052	Web	Servicemember

04/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92310	Web	Servicemember

04/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27591	Web	Servicemember

04/09/2023	Yes	Money transfer, virtual currency, or money service Debt settlement	Fraud or scam	VA 20191	Web

03/29/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	KY 42223	Web	Servicemember

03/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30038	Web	Servicemember

03/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or missing disclosures	CA 92058	Web

03/10/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 48197	Web

03/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30224	Web

03/08/2023	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NJ 07052	Web	Servicemember

03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70117	Referral

02/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29488	Web	Servicemember

02/21/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	RI 02886	Web

02/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28315	Web	Servicemember

02/12/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	DC 20003	Web	Servicemember

02/10/2023	Yes	Credit card or prepaid card Store credit card	Getting a credit card Application denied	AZ 85044	Web	Servicemember

02/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23320	Web	Servicemember

02/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AL 36203	Web

01/31/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	IA 50251	Web	Servicemember

01/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30813	Web	Servicemember

12/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32819	Web	Servicemember

12/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76549	Web	Servicemember

12/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	HI 96789	Web

12/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28543	Web	Servicemember

12/27/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	TX 76544	Web	Servicemember

12/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	DC 20003	Web	Servicemember

12/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32539	Web	Servicemember

12/12/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 30113	Web	Servicemember

12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GU 96929	Web

12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31620	Web	Servicemember

11/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32536	Web	Servicemember

11/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32940	Web	Servicemember

11/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 73507	Web	Servicemember

11/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 62040	Web	Servicemember

11/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 62040	Web	Servicemember

11/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AE 09952	Web	Servicemember

11/04/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NC 27560	Web

11/03/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	TN 37040	Web	Servicemember

10/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30040	Web	Servicemember

10/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 33823	Web

10/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	CO 80919	Web	Servicemember

10/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28227	Web

10/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07055	Referral

09/29/2022	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NC 27332	Web	Servicemember

09/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76549	Web	Servicemember

09/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 08048	Web

09/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46203	Web

09/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28303	Web	Servicemember

09/09/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28303	Web	Servicemember

09/08/2022	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 91942	Web	Servicemember

09/08/2022	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 91942	Web	Servicemember

09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 38138	Phone	Older American

09/07/2022	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 91942	Web	Servicemember

09/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CO 80902	Web	Servicemember

08/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27545	Web

08/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33823	Web

08/05/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 75189	Web

08/03/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	DC 20032	Web	Servicemember

07/29/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TN 37086	Web

07/26/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	AL 36606	Web	Servicemember

07/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30152	Web

07/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19120	Web

06/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92101	Web

06/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 92101	Web

06/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78023	Web	Servicemember

06/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MT 59635	Web	Servicemember

06/10/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	OH 43207	Web	Servicemember

06/09/2022	Yes	Credit card or prepaid card Government benefit card	Unexpected or other fees	TX 75154	Referral

05/26/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30238	Web	Servicemember

05/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 36609	Web	Servicemember

05/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76548	Web	Servicemember

05/18/2022	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	DC 20032	Web	Servicemember

05/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76549	Web	Servicemember

05/10/2022	Yes	Credit card or prepaid card Store credit card	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 75219	Phone	Servicemember

05/03/2022	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	NY 10128	Web	Servicemember

05/02/2022	Yes	Credit card or prepaid card Store credit card	Other features, terms, or problems Other problem	KS 66442	Web	Servicemember

04/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23707	Web	Servicemember

04/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 79924	Web	Servicemember

04/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30046	Web

04/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 20170	Web

04/05/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 33556	Web	Servicemember

03/30/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 33982	Web	Servicemember

03/29/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	AZ 85395	Web	Older American, Servicemember

03/25/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MD 21061	Web	Servicemember

03/24/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NV 89084	Web	Servicemember

03/24/2022	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	NC 28638	Web	Servicemember

03/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 30228	Web	Servicemember

03/17/2022	Yes	Credit card or prepaid card Store credit card	Incorrect information on your report Account status incorrect	VA 23323	Referral

03/16/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	MD 21225	Referral

03/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OR 97123	Web

03/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33435	Referral

03/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23323	Referral

03/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60153	Web

03/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Received unsolicited financial product or insurance offers after opting out	AL 36117	Web

02/27/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NY 12603	Web	Servicemember

02/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AP 96517	Web	Servicemember

02/17/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IA 50648	Web	Servicemember

02/16/2022	Yes	Credit card or prepaid card Store credit card	Getting a credit card Sent card you never applied for	SC 29223	Web	Servicemember

02/10/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	TX 79925	Web	Servicemember

02/01/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MD 21061	Web	Servicemember

01/27/2022	Yes	Credit card or prepaid card Store credit card	Incorrect information on your report Account information incorrect	CA 91914	Web	Servicemember

01/27/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NC 27614	Web	Servicemember

01/26/2022	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 93312	Referral

01/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 20170	Web	Servicemember

01/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78840	Web

01/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 22406	Web

01/10/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	NC 27712	Web

01/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78613	Web

01/04/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	OK 73099	Web

12/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32935	Postal mail

12/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 36117	Web

12/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78613	Web

12/17/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	SC 29048	Web

12/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	VA 24293	Web	Servicemember

11/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 36608	Web	Servicemember

11/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92563	Web

11/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92563	Web

11/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92563	Web

11/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92563	Web

11/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29203	Web

11/20/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	IN XXXXX	Web	Servicemember

11/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 22315	Referral

11/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30281	Web

11/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WI 53216	Web

11/08/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Credit monitoring or identity theft protection services Billing dispute for services	AZ 85354	Web

11/08/2021	Yes	Credit card or prepaid card Store credit card	Incorrect information on your report Account status incorrect	FL 32210	Web	Servicemember

11/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	GA 30294	Web

10/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92563	Web

10/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92563	Web

10/19/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	FL 33435	Web

10/14/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	NC 28445	Web

10/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11385	Web	Servicemember

10/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32792	Web	Servicemember

10/12/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	VA 23322	Web

10/08/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NV 89048	Web	Servicemember

10/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32784	Web

10/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	KY 42104	Web	Servicemember

10/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92071	Web	Servicemember

09/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92563	Web

09/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92563	Web

09/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 15210	Web

09/28/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 95206	Web	Servicemember

09/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 11203	Web

09/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28078	Web	Servicemember

09/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43232	Web

09/24/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MI 49401	Web	Servicemember

09/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 13601	Web

09/21/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NV 89178	Web

09/20/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31088	Web

09/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 36207	Web

09/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27893	Web

09/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32780	Web	Servicemember

09/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75061	Web

09/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75061	Web

09/01/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 76549	Referral

08/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92563	Web

08/30/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90004	Web	Servicemember

08/30/2021	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	OH 44105	Web

08/30/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76549	Referral

08/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30052	Web

08/23/2021	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	OH 44105	Web

08/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 37042	Web

08/20/2021	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	DC 20032	Web	Servicemember

08/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28540	Web

08/18/2021	Yes	Credit card or prepaid card Store credit card	Problem when making payments You never received your bill or did not know a payment was due	PR 00982	Web	Servicemember

08/16/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 32940	Web	Servicemember

07/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92563	Web

07/09/2021	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	AL 36575	Phone	Older American, Servicemember

07/06/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	LA 70737	Phone	Older American, Servicemember

06/30/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92563	Web

06/29/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Problem lowering your monthly payments	FL 33896	Referral

06/28/2021	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	VA 22192	Web

06/25/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23452	Web

06/24/2021	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	DC 20003	Referral

06/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 352XX	Web

06/22/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Charged too much interest		Phone	Servicemember

06/15/2021	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31313	Web

06/14/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AL 357XX	Web

05/28/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92563	Web

05/26/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 23320	Web	Servicemember

05/26/2021	No	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 23320	Web	Servicemember

05/24/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23452	Web

05/22/2021	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AZ 85051	Web

05/11/2021	No	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	DC 20032	Web

04/22/2021	No	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account status incorrect	AK 99701	Web	Servicemember

04/20/2021	No	Credit card or prepaid card Store credit card	Fees or interest Charged too much interest	TX 78230	Phone	Servicemember

04/14/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	FL 32210	Postal mail

04/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	MD 20603	Web	Servicemember

03/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web

03/24/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20748	Web	Older American, Servicemember

03/19/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AK 99508	Web

03/17/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90503	Web

03/11/2021	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	VA 23608	Web

03/10/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	VA 23502	Web	Servicemember

03/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90755	Web

03/09/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92108	Web

02/12/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28405	Web

02/10/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 79936	Web

02/09/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78251	Web	Servicemember

02/06/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web

02/05/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information is missing that should be on the report	TN 37042	Web	Servicemember

02/03/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	CA 94954	Web	Servicemember

01/27/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31909	Web

01/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30010	Web	Servicemember

01/22/2021	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 78249	Web

01/19/2021	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78249	Web

01/16/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NC 28314	Web	Servicemember

01/15/2021	No	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	IL 60079	Web	Servicemember

12/28/2020	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32832	Web	Servicemember

12/23/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web

12/16/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	MD 21113	Web

12/15/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02136	Web

12/14/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11203	Web	Servicemember

12/12/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 28273	Web	Servicemember

12/10/2020	No	Credit card or prepaid card Store credit card	Other features, terms, or problems Other problem	MI 48081	Web	Servicemember

12/08/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33760	Web	Servicemember

11/28/2020	No	Credit card or prepaid card Store credit card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	CA 94611	Web	Servicemember

11/24/2020	No	Credit card or prepaid card Store credit card	Other features, terms, or problems Other problem	AE 09128	Web	Servicemember

11/21/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78017	Postal mail

11/21/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20755	Web	Servicemember

11/18/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MT 59405	Fax

11/17/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	KY 40121	Referral

11/06/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KY 40121	Fax

11/05/2020	No	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	CA 93943	Postal mail	Servicemember

11/02/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DC 20001	Web	Servicemember

11/02/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23323	Web

10/26/2020	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	PA 17857	Web	Servicemember

10/13/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 38635	Web

10/12/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 28273	Web	Servicemember

10/10/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90065	Web	Servicemember

10/09/2020	No	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds		Phone	Servicemember

09/29/2020	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	FL 34292	Web	Servicemember

09/19/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95131	Web	Servicemember

09/17/2020	No	Credit card or prepaid card Store credit card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	NC 27834	Web	Servicemember

09/16/2020	No	Credit card or prepaid card Store credit card	Other features, terms, or problems Other problem	NM 88101	Web	Servicemember

09/07/2020	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	CA 92394	Referral	Servicemember

08/31/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33811	Web

08/19/2020	No	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 33634	Web	Servicemember

08/12/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 76182	Web	Older American, Servicemember

08/07/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20695	Web	Servicemember

08/07/2020	No	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	KY 42431	Web	Older American, Servicemember

08/04/2020	No	Credit card or prepaid card Store credit card	Problem when making payments You never received your bill or did not know a payment was due	CA 91915	Web	Servicemember

07/09/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CO 80906	Web

07/09/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 31907	Web

06/17/2020	No	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	FL 33810	Referral

06/12/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33811	Web

06/05/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 31005	Web	Servicemember

06/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	AL 36108	Web	Servicemember

06/02/2020	No	Credit card or prepaid card Store credit card	Incorrect information on your report Account status incorrect	SC 29210	Web	Servicemember

05/24/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92115	Web	Servicemember

05/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	AL 36006	Phone	Servicemember

05/14/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem		Referral

05/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NC 28311	Web	Servicemember

04/21/2020	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	SC 29210	Web	Servicemember

04/04/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76544	Web	Servicemember

04/02/2020	No	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	KY 40059	Web	Servicemember

03/31/2020	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	VA 23456	Web	Servicemember

03/13/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ XXXXX	Web	Servicemember

03/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33811	Web

02/20/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	GA 30224	Phone	Servicemember

02/18/2020	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	GA 31553	Web	Servicemember

02/18/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 22303	Phone	Servicemember

02/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33040	Web

02/14/2020	No	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	IL 62225	Web	Servicemember

01/31/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	WV 25428	Web	Servicemember

01/30/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33040	Web

01/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98003	Web

01/16/2020	Yes	Credit card or prepaid card Store credit card	Fees or interest Charged too much interest	GA 313XX	Web	Servicemember

01/16/2020	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	GA 31553	Web	Servicemember

01/07/2020	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MS 39073	Web	Servicemember

12/11/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	LA 70072	Web

11/18/2019	Yes	Checking or savings account Other banking product or service	Managing an account Fee problem	VA 23030	Referral

11/09/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33024	Web

11/02/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IL 60649	Web

10/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 62221	Web	Servicemember

10/19/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	WA 98402	Web	Servicemember

10/12/2019	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	NC 28311	Web	Servicemember

10/01/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70073	Postal mail

09/17/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	AL 35442	Web

09/11/2019	Yes	Credit card or prepaid card Store credit card	Other features, terms, or problems Other problem	NC 27604	Web	Servicemember

09/11/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	VA XXXXX	Web	Servicemember

09/09/2019	Yes	Credit card or prepaid card Store credit card	Closing your account Company closed your account		Phone	Older American, Servicemember

09/09/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	SC 29150	Web	Servicemember

09/05/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MD 20910	Web	Servicemember

08/19/2019	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	VA 23462	Web	Servicemember

08/08/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	OK 73099	Web

08/05/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	PA 15129	Web	Servicemember

07/22/2019	Yes	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	TX 78108	Web	Servicemember

07/17/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85009	Web

06/07/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AL 35806	Web

06/06/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AL 36304	Phone

05/25/2019	Yes	Credit card or prepaid card Store credit card	Incorrect information on your report Account status incorrect	CO 80902	Web	Servicemember

05/10/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 93274	Postal mail

05/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 15208	Web

05/07/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	FL 33511	Web	Servicemember

05/06/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 32304	Web	Servicemember

04/28/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AL 35806	Web

04/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 93305	Web	Servicemember

04/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 13603	Web	Servicemember

03/27/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92373	Postal mail

03/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 15207	Web

03/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	WA 98277	Web	Servicemember

03/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WY 82716	Web	Servicemember

03/07/2019	Yes	Credit card or prepaid card Store credit card	Incorrect information on your report Information belongs to someone else	IN 46123	Web	Servicemember

02/27/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	VA 22303	Web	Servicemember

02/16/2019	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	PA 15108	Web	Servicemember

02/12/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	AP 96386	Web	Servicemember

02/05/2019	Yes	Credit card or prepaid card Store credit card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	VA 23703	Web	Servicemember

01/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	UT 84101	Web

12/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78130	Web	Servicemember

12/15/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	TX XXXXX	Web	Older American, Servicemember

12/15/2018	Yes	Credit card or prepaid card Store credit card	Problem when making payments You never received your bill or did not know a payment was due	HI 96813	Web	Servicemember

12/12/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OH 43907	Phone

12/07/2018	Yes	Credit card or prepaid card Store credit card	Incorrect information on your report Account information incorrect	NC 27603	Postal mail

12/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 15145	Web

11/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30680	Web	Servicemember

11/30/2018	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	VA 22315	Web	Servicemember

11/20/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 76549	Web	Servicemember

11/15/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30344	Web	Servicemember

11/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23513	Web

11/13/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30344	Web	Servicemember

11/05/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07050	Fax

10/29/2018	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process		Phone

10/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 15090	Web	Servicemember

10/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75137	Fax

10/11/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MI 49503	Postal mail	Servicemember

10/09/2018	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	VA 22315	Web	Servicemember

10/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect		Phone

09/27/2018	Yes	Credit card or prepaid card Store credit card	Closing your account Company closed your account	NJ 08844	Web	Servicemember

09/19/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 22902	Referral

09/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MN 55421	Web	Servicemember

09/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23513	Web

09/11/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08753	Fax	Servicemember

09/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 15203	Web

08/27/2018	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	TX 78209	Web

08/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23505	Web	Servicemember

08/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 700XX	Web	Servicemember

08/02/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount		Email

07/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 79934	Web	Servicemember

07/16/2018	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	KY 42101	Referral

07/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	MN 55124	Web	Servicemember

07/07/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	RI 02914	Web	Servicemember

07/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 73505	Web	Servicemember

06/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91910	Web	Servicemember

05/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 18407	Fax

05/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30228	Web

05/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 31407	Web

05/14/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IN 46143	Phone	Servicemember

05/10/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CO 80906	Referral

05/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76542	Web	Servicemember

05/04/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	ME 04736	Web	Servicemember

05/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	GA 31905	Web	Servicemember

04/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AZ 85388	Web	Servicemember

04/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85283	Web

04/20/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	DE 19975	Web	Servicemember

04/18/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MO 63031	Phone

04/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92660	Web

04/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85140	Web	Servicemember

04/12/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NJ 07106	Web	Servicemember

04/12/2018	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	MI 48162	Web	Servicemember

04/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30127	Web	Servicemember

04/03/2018	Yes	Credit card or prepaid card Store credit card	Incorrect information on your report Account information incorrect	TX 77377	Phone	Servicemember

03/30/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 76028	Web	Servicemember

03/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	VA 23462	Web	Servicemember

03/23/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship		Fax	Servicemember

03/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AR 72764	Web

03/21/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	ID 83617	Web	Servicemember

03/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 45385	Web	Servicemember

03/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23831	Fax

03/07/2018	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 94592	Web	Servicemember

03/03/2018	Yes	Credit card or prepaid card Store credit card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90044	Web	Servicemember

03/02/2018	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	VA 223XX	Web	Servicemember

02/28/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process		Phone	Servicemember

02/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 93524	Web	Servicemember

02/08/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid		Phone

01/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30339	Web	Servicemember

01/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 31313	Web	Servicemember

01/23/2018	Yes	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	MD 21113	Web	Servicemember

01/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80910	Web	Servicemember

01/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	AL 36611	Web	Servicemember

01/17/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	SC 29229	Referral

12/29/2017	Yes	Credit card or prepaid card Store credit card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28590	Web	Servicemember

12/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30228	Web

11/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48188	Web	Servicemember

11/28/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MD 20721	Web	Servicemember

11/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 77377	Phone

10/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect		Phone

10/19/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	WA 98445	Postal mail

10/16/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	VA 24120	Web	Servicemember

09/19/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 76522	Web	Servicemember

09/07/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PR 00602	Referral

09/06/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	AL 35603	Postal mail

08/24/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	MD 21144	Web

08/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AP 96349	Web	Servicemember

08/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33647	Web	Servicemember

07/17/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 31315	Web	Servicemember

06/29/2017	Yes	Credit card or prepaid card Store credit card	Incorrect information on your report Account information incorrect	AZ 85710	Web	Servicemember

06/20/2017	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	GA 31088	Web	Servicemember

06/20/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	VA 23604	Web	Servicemember

06/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31905	Web

06/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 31905	Web

05/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AP 96338	Web	Servicemember

05/16/2017	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	GA 31316	Referral

05/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	KS 66048	Web

04/26/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 79938	Phone

04/21/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 76542	Referral

04/11/2017	Yes	Credit card	Delinquent account	SC 29129	Web	Servicemember

04/05/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 79714	Web

03/27/2017	Yes	Credit reporting	Incorrect information on credit report Public record	VA 23831	Web

03/20/2017	Yes	Credit card	Credit determination	GA 30328	Web

03/11/2017	Yes	Credit card	Bankruptcy	VA 23503	Web	Servicemember

03/09/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	OK 73160	Web	Servicemember

03/08/2017	No	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TX 75160	Phone	Servicemember

03/03/2017	Yes	Credit card	Closing/Cancelling account	AL 36362	Web	Servicemember

02/23/2017	Yes	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	TX 75115	Phone

02/13/2017	Yes	Credit card	Payoff process	AP 96326	Web	Servicemember

02/09/2017	Yes	Credit card	Credit card protection / Debt protection	MS 38672	Web	Servicemember

02/03/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	SC 29016	Web

01/13/2017	Yes	Credit card	Delinquent account	AP 96310	Web	Servicemember

12/30/2016	No	Debt collection Credit card	Communication tactics Threatened to take legal action	MT 59105	Web	Servicemember

12/19/2016	Yes	Credit reporting	Incorrect information on credit report Account status	TX 75026	Web

12/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	AL 35603	Web	Servicemember

10/07/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	VA 23464	Web	Servicemember

09/27/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TX 78108	Web	Servicemember

08/14/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	GA 30519	Web	Servicemember

08/02/2016	Yes	Credit card	Delinquent account	FL 33172	Postal mail

06/30/2016	Yes	Credit card	Other	AL 35749	Web	Servicemember

05/26/2016	Yes	Credit card	Billing disputes	SC 29704	Referral	Servicemember

04/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AZ 85710	Phone	Servicemember

03/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NM 88310	Web	Servicemember

02/22/2016	Yes	Credit card	Transaction issue	KS 66502	Web	Servicemember

02/12/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	KY 42701	Web	Servicemember

01/15/2016	Yes	Credit card	Credit determination	GA 30096	Web	Servicemember

01/12/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	GU 96929	Web	Older American, Servicemember

12/09/2015	Yes	Credit card	Closing/Cancelling account	LA 71111	Referral	Servicemember

12/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Seized/Attempted to seize property	CA 92203	Web	Servicemember

11/25/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	NC 27713	Web

11/07/2015	Yes	Credit card	Customer service / Customer relations	GA 30052	Web	Servicemember

11/07/2015	Yes	Credit card	Closing/Cancelling account	MI 48021	Web

11/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	NV 89115	Postal mail

10/23/2015	Yes	Credit card	Billing disputes		Phone	Servicemember

10/23/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	FL 32828	Web	Servicemember

10/22/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	NC 27239	Postal mail	Older American, Servicemember

09/28/2015	Yes	Credit card	Credit card protection / Debt protection	NV 89044	Web

09/22/2015	Yes	Credit card	Billing disputes	DC 91914	Web

08/10/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	MD XXXXX	Postal mail	Servicemember

08/06/2015	Yes	Credit card	Billing disputes	NC 28304	Web	Servicemember

07/15/2015	Yes	Credit card	Billing statement	AZ 85637	Web	Servicemember

07/07/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	TX 75211	Fax	Older American, Servicemember

06/29/2015	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	TX 76549	Referral

06/21/2015	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	AZ 85705	Web	Servicemember

06/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	SC 29693	Phone	Servicemember

06/01/2015	Yes	Credit card	Delinquent account	TN 38101	Phone	Servicemember

03/20/2015	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	VT 05472	Web	Servicemember

03/19/2015	Yes	Credit card	Other	FL 33579	Phone	Older American, Servicemember

03/17/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	NV 89014	Web	Servicemember

03/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	PA 18840	Web	Servicemember

03/11/2015	Yes	Credit card	Delinquent account	FL 33314	Web	Servicemember

03/05/2015	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	NE 68147	Web	Servicemember

03/03/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	AL 35401	Web	Servicemember

02/17/2015	Yes	Credit card	Customer service / Customer relations	NJ 08640	Phone

02/11/2015	Yes	Credit card	Identity theft / Fraud / Embezzlement	CA 91945	Web	Servicemember

02/10/2015	Yes	Credit card	Credit card protection / Debt protection	VA 23322	Web

02/06/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	MA 02653	Phone	Servicemember

02/05/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TX 79606	Web	Servicemember

01/31/2015	Yes	Credit card	Payoff process	TX 79936	Web

01/31/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	GA 31558	Web	Servicemember

01/28/2015	Yes	Credit card	Billing disputes	CA 92663	Web	Servicemember

01/21/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	MA 01089	Web	Servicemember

12/25/2014	Yes	Credit card	Billing disputes	CA 92114	Web

12/22/2014	Yes	Credit card	Billing disputes	AZ 85379	Referral

12/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AZ 85706	Referral	Older American

12/18/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	NY 10456	Web	Servicemember

12/08/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	MD 20744	Web	Servicemember

12/08/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	IN 46738	Postal mail

12/06/2014	Yes	Credit card	Billing statement	WA 98682	Web	Servicemember

12/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	VA 22207	Fax

12/02/2014	Yes	Credit card	Customer service / Customer relations	NC 27958	Web

11/28/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NC 28560	Web	Servicemember

11/14/2014	Yes	Credit card	Payoff process	VA 23667	Web	Servicemember

11/12/2014	No	Credit card	Billing statement	MD 20745	Web

11/01/2014	Yes	Credit card	Other	SC 29202	Web

10/24/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TX 76549	Web	Servicemember

10/23/2014	Yes	Credit card	Credit card protection / Debt protection	TX 76543	Web	Servicemember

10/22/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	MO 64070	Phone	Servicemember

09/20/2014	Yes	Credit card	Billing disputes	TX 75948	Web	Servicemember

09/11/2014	Yes	Credit card	Identity theft / Fraud / Embezzlement	RI 02871	Web	Servicemember

08/29/2014	Yes	Credit card	Delinquent account	VT 05488	Web	Servicemember

08/13/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	TX 77095	Web	Servicemember

08/08/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	LA 70126	Web	Servicemember

08/04/2014	Yes	Credit card	Billing statement	MO 65270	Phone

08/04/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TX 76054	Web	Servicemember

07/25/2014	Yes	Credit card	Other	TN 38101	Web

07/14/2014	Yes	Credit card	Billing disputes	HI 96815	Web	Servicemember

07/09/2014	Yes	Credit card	Identity theft / Fraud / Embezzlement	TX 75074	Web

07/08/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened arrest/jail if do not pay	MA 01089	Web	Servicemember

07/02/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NC 28202	Web	Servicemember

06/26/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued where didn't live/sign for debt	LA 70126	Web	Servicemember

06/09/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	MP 96950	Web	Servicemember

06/06/2014	Yes	Credit card	Transaction issue	IL 60133	Web	Servicemember

06/01/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not disclosed as an attempt to collect	CA 90033	Web	Servicemember

05/28/2014	Yes	Credit card	APR or interest rate	KY 40121	Web	Servicemember

05/06/2014	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	MA 02169	Web

04/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Attempted to/Collected exempt funds	TX 76549	Web	Servicemember

04/08/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	CA 95616	Web	Servicemember

03/26/2014	Yes	Credit card	Billing disputes	WA 98021	Web	Servicemember

02/28/2014	Yes	Credit card	Other	VA 22655	Web	Servicemember

02/28/2014	Yes	Credit card	Delinquent account	NV 89081	Phone	Servicemember

02/26/2014	Yes	Credit card	Unsolicited issuance of credit card	XXXXX	Web	Servicemember

02/26/2014	Yes	Credit card	Billing disputes	KS 66442	Web	Servicemember

02/19/2014	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	VA 22079	Web	Servicemember

02/19/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NY 14225	Web	Servicemember

02/13/2014	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	CA 91915	Web	Servicemember

02/11/2014	Yes	Credit card	Bankruptcy	MA 02370	Web

02/10/2014	Yes	Credit card	Other	MD 20743	Phone

02/09/2014	Yes	Credit card	Privacy	TX 78261	Web	Servicemember

02/06/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	FL 33712	Phone	Servicemember

02/02/2014	Yes	Credit card	Delinquent account	VA 23707	Web

01/28/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	TX 76549	Web	Servicemember

01/26/2014	Yes	Credit reporting	Incorrect information on credit report Account terms	TX 76549	Web

01/23/2014	Yes	Credit card	Late fee	XXXXX	Web

01/17/2014	Yes	Credit card	Delinquent account	TX 79252	Web

01/16/2014	Yes	Credit card	Delinquent account	MS 39180	Web	Servicemember

12/30/2013	Yes	Credit card	Billing disputes	NY 12208	Web	Servicemember

12/26/2013	Yes	Credit card	Delinquent account	PA 18974	Web	Servicemember

12/24/2013	Yes	Credit reporting	Incorrect information on credit report Account status	NM 87801	Referral

12/08/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	AE 09180	Web	Older American, Servicemember

11/21/2013	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	AE 09180	Referral

10/26/2013	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	TX 76549	Web	Servicemember

09/12/2013	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	CA 91915	Web	Servicemember

08/16/2013	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	AZ 85374	Postal mail

08/13/2013	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	MA 01089	Web	Servicemember

07/23/2013	Yes	Credit card	Delinquent account	NC 28532	Web	Servicemember

07/18/2013	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	WA 98383	Web	Servicemember

05/28/2013	Yes	Credit card	APR or interest rate	TX 78596	Phone	Servicemember

04/19/2013	Yes	Credit card	Unsolicited issuance of credit card	WA 98011	Referral	Servicemember

04/11/2013	Yes	Credit card	Closing/Cancelling account	CA 95687	Web

02/19/2013	Yes	Credit card	Collection practices	SC 29420	Web

01/31/2013	Yes	Credit card	Collection debt dispute	MD 20619	Web

01/25/2013	Yes	Credit card	Collection debt dispute	HI 96813	Web

12/18/2012	Yes	Credit card	Bankruptcy	SC 29910	Web	Servicemember