Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Army and Air Force Exchange Service
State: VA

Complaint narrative:
XX/XX/year>2024 Personal and SensitivePrivilegeNot for Publication MEMORANDUM FOR THE RECORD United States of America Consumer Financial Protection Bureau Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX District of Columbia , USA Subject XXXX Detailed Feedback on Response to US Consumer Financial Protection Bureau in Cases Involving Army and Air Force Exchange Service | EIN : XXXX and XXXX XXXX XXXX XXXXXXXX XXXX | EIN : XXXX in Connection With an In-House Credit Program, Brand Name XXXX XXXX XXXX  Third-Party Credit Card Receivables [ Complaint ID No. : XXXX ] To Whom It May Concern, Please find attached my detailed feedback regarding the response I received from the Army and Air Force Exchange Service concerning Consumer Financial Protection Bureau Complaint ID No. : XXXX, which I submitted on XX/XX/scrub> 2024, against the XXXX XXXX XXXX XXXXXXXX XXXX XXXX U.S. XXXX  XXXX XXXX  ). 

Although I am disappointed that the US Consumer Financial Protection Bureau ( CFPB ) was not able to forward my complaint directly to the leadership of the XXXX XXXX XXXX  XXXX XXXX for a response, I am grateful to the CFPB for referring my complaint involving the XXXX XXXX XXXX  XXXX XXXX, in connection with my billing and credit reporting disputes with the Army and Air Force Exchange Service, to the Federal Trade Commission on XX/XX/year>. Moreover, I appreciate knowing that federal government regulators entered my complaint into the XXXX XXXX XXXX, a secure online database operated by the US Federal Trade Commission. Civil and criminal law enforcement authorities worldwide, including CFPB investigators, use the XXXX XXXX XXXX to identify questionable business practices that may lead to investigations and prosecutions. I believe a comprehensive investigation into my claims will reveal systematic wrongdoings in accounting, billing, servicing, collection, and credit reporting practices. 

This document outlines my ongoing billing and credit reporting disputes, specifically addressing the completeness and/or accuracy of the third-party credit card account receivables, the validity of the furnishers legal name, misapplied payments, fees charged, past due amounts, and interest charged, as reported. 

Thank you for your timely assistance and consideration. 

Very respectfully, I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Ret . ) Citizen of Indiana state All Rights Reserved without Prejudice Copy to : United States of America XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX Washington XXXX District of Columbia , USA United States of America XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Indiana, XXXX United States of America Army and Air Force Exchange Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas, XXXX

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