Consumer complaint received 2021-11-23
Company: Army and Air Force Exchange Service
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
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.

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