Debt collection -- False statements or representation -- Complaint #6055377
Complaint Overview
Complaint ID: 6055377
Company: Army And Air Force Exchange Service
Product: Debt collection
Sub-Product: Credit card debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Maryland
ZIP Code: XXXXX
Date Received: 2022-10-05T12:00:00-05:00
Date Sent to Company: 2022-10-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
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.
Frequently Asked Questions
What is Complaint #6055377 about?
Complaint #6055377 was filed against Army And Air Force Exchange Service regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2022-10-05T12:00:00-05:00.
How did Army And Air Force Exchange Service respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Army And Air Force Exchange Service?
Yes, visit the Army And Air Force Exchange Service company profile at readthecomplaint.com/company/army-and-air-force-exchange-service to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.