My name is XXXX XXXX and I am currently XXXX overseas with XXXX. I am writing this to file a complaint against The Bureaus Incorporated Portfolio # 15 who can be reached at XXXX. They are a debt collector and I have evidence to prove they are breaking the Service Members Civil Relief Act ( 50 U.S.C. 3901-4043 ). As a military member of the United States and a consumer of the same, I am asking for a formal investigation on The Bureaus Incorporated Portfolio # 15 against their unlawful practices and additionally their collecting agency, XXXX XXXX XXXX, who has on many occasions broken the following ( but not limited to ) : ( 1 ) Insisted me to pay them before they did any work on my behalf to adjust my balance ( 2 ) Told me not to contact the credit reporting company ( The Bureaus Incorporated Portfolio # 15 ) directly ( 3 ) Told me to dispute information in your credit report -- even if you know it 's accurate ( 4 ) Did not explain to me my legal rights when they told me what they can do for me. 

There needs to be better enforcement on the operations of these to FTC regulated companies who fail to abide by Federal Law. 

On various attempts I have tried to dispute the interest on my account as well as all the interest ever charged on my account during periods of XXXX XXXX service. According to the Service Members Civil Relief Act, interest bearing accounts for service members while on XXXX status is not to exceed 6 % during XXXX XXXX period and for the 6 months to follow after coming off of XXXX XXXX service. After being activated several times to XXXX XXXX service, I was being charged more than the 6 % interest rate monthly, and was over-charged for those time periods. I have spoken to many collections associates during and after these periods with no luck getting them to make adjustments on my interest. I was told by XXXX of XXXX XXXX XXXX staff on XXXX/XXXX/2016 that I was to get my account balance ( {$11000.00} ) adjusted for all the periods of XXXX XXXX service for the entirety of my account and this was never done. This was after speaking to one of the staff at The Bureau Incorporated ( The Account Owner ) that told me they would make the adjustments as well. After calling XX/XX/2016 at XXXX, the XXXX XXXX XXXX employee found that I am to have my account adjusted to {$7700.00} after deducting what I have been mischarged ( This is on a recorded call ). He then instructed me to email XXXX XXXX XXXX ( XXXXXXXXXXXX ) all of the documentation their office needed as evidence for my case. In that email, I attached all of my orders as evidence and clearly explained the issue for any reviewing account manager to understand. I also stated that I was happy to provide anything further that XXXX XXXX XXXX or The Bureau Investment Group Portfolio # 15 requested in order to get my account to accurately reflect what I owe after deducting the over-charges in interest by giving them XXXX ways to reach me : by email or my mailing address ( listed in my signature block ). I do not have access to mail and will not be able to receive calls while I am XXXX. Earlier this evening, at XXXX I attempted to call The Bureau Incorporated Portfolio # 15. After entering my SSN, I was automatically transferred to XXXX XXXX XXXX. A man by the name of XXXX XXXX rudely answered the phone. I addressed my previous conversation and the email with XXXX attachments that I sent out on XXXX XXXX, 2016. Unable to help me after speaking to him for 10 minutes, he escalated my phone call to his team lead, a young lady whom I did not get her name. I asked for a resolution to get my account adjusted and she informed me that she could not do anything for me to help me resolve my case and only offered to have me write a completely new dispute