Consumer complaint received 2022-10-05
Company: Army and Air Force Exchange Service
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation