Consumer complaint received 2020-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
Following up on Identity Thief and bank account being unlawfully withdrawn from in XXXX. My XXXX XXXX has had to be replaced 4 times since speaking with the Officer about suspicious activity on my accounts in XXXX. 

After more than a year of waiting for Army Air Force Exchange to comply with their contract. 

Ive contacted more than eight people inside Army Air Force Exchange and over 87 calls into XXXX XXXX in the month of XXXX. 
starting with XXXX who locked the account and prevented me and witnesses from logging into my account for over 8 months. XXXX, XXXX XXXX XXXX Her supervisor ), Mr. XXXX, refused to follow up for more than " XXXX '' weeks. XXXX the XXXX XXXX was made aware in XX/XX/XXXX. XXXX and XXXX lied on record multiple times and also on the phone conversation. In XXXX of XXXX, I was informed that the Dept of Treasury was moving ahead and garnishing my wages. Despite each of the above people not telling the truth on record and recorded on XXXX 's and Exchanges phone system. XXXX XXXX was also recorded threatening me to take " ALL my money '' " AS this is an ATTEMPT to COLLECT A DEBT '' as well as a {$10000.00} fine? which would be enforced by whom when I was a paying customer? So ruined my credit, stealing my identity, raising my interest rates on car loans and repairs, raising my rent, and preventing me from repairing or making payments on the vehicle I did have. This resulted in my having to surrender my vehicle in XX/XX/XXXX because of the Exchange and XXXX. Willingly locking my account, and refusing to work with my Credit Repair Company. 

XXXX threatened at the end of the call to take " ALL of the Treasury ' check. after I received numerous letters from the Dept of Treasury. 
-None of whoever returns calls and it doesnt go very far as much as just looking to see at all the XXXX reviews that are negative. But then after talking with two of my neighbors here locally. And a third at the pool who are all XXXX XXXX. When I tell them what the exchange is doing to me they tell them the same thing is happening to them and their family as well. 

It seems that the AAFES has a culture of not telling the truth and lying from the bottom to the top and that includes their subcontractors like XXXX decide whom they hire out. Na what contracts they honor while stealing my information. Threatening to have my XXXX garnish, asking for 5 copies of my signature and medical insurance account information. 

CFPB wouldnt be receiving emails if each of you had done your jobs, to begin with, and that includes protecting my XXXX and seeing if any threats are credible or not or worth investigating and if they are youre supposed to pursue them with a full extent of the law that includes military XXXX XXXX security forces XXXX whatever your names are called. 

The Lack of attention to detail by each of the Exchange and XXXX staff not following up dereliction of duty. 


Army Navy Air Force Exchange and XXXX are both a national disgrace. They flatly rip off XXXX veterans like myself. Then they tell you that you are on a " pay what you can '' while they sneak around and take the paycheck used to pay for my medical expenses as well. 

Someone there at both companies needs to go to jail for felony wiretap fraud aside from losing their jobs. Each employee also bragged about how they couldn't be fired. worth noting. I have sent this message out to every Veteran 's org as well as media outlets nation wide and in XXXX and XXXX. BUYER AND VENDOR BEWARE.

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