Consumer complaint received 2017-10-26
Company: Army and Air Force Exchange Service
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
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.

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