Consumer complaint received 2026-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
Complaint Title : Unfair debt collection, improper garnishment structure, and continuous interest accrual preventing account from becoming current Complaint Description : I am filing a formal complaint against the Exchange Credit Program XXXX XXXX XXXX XXXX ), which is a government-affiliated credit account that is currently being collected through involuntary wage garnishment via XXXX from my military retirement pay. My concern is not the existence of the debt, but the manner in which it is being collected and managed, which appears to be unfair, misleading, and structurally designed to prevent resolution of the account. Key Issues : 1. Garnishment Amount Does Not Bring Account Current My wages are being garnished monthly ; however, the amount being deducted is significantly lower than the required minimum payment and does not satisfy the past-due balance. As a result : * My account remains perpetually delinquent * The past due status continues despite consistent involuntary payments * I am not given a clear path to bring the account current 2. Continuous Interest Accrual During Garnishment Interest ( approximately {$130.00} $ XXXX at XXXX % APR ) continues to accrue while payments are being forcibly deducted. Because of this : * A large portion of each garnishment payment is applied to interest * Very little is applied to principal * The balance decreases extremely slowly despite ongoing payments This creates a situation where : * The debt can not be meaningfully reduced * The account remains in a cycle of delinquency 3. Lack of Transparency in Payment Allocation I have not been provided with a clear breakdown of : * How garnishment amounts are calculated * How payments are allocated between interest, past due, and principal * Why the garnishment amount is insufficient to bring the account current 4. Potential Unfair or Abusive Practice This structure effectively creates a negative amortization scenario, where : * Payments are being made * Interest continues to accrue * The account can not realistically be brought current This may constitute : * Unfair or abusive acts or practices ( UDAAP ) * Improper servicing of a consumer credit account * Lack of good-faith effort to provide a reasonable repayment structure What I Am Requesting : 1. A full accounting of my debt, including : * Payment allocation history * Interest calculations * Garnishment calculation method 2. An explanation of : * Why the garnishment amount does not satisfy the minimum payment * Why the account remains delinquent despite ongoing payments 3. A resolution that includes : * A structured repayment plan that brings the account current * Consideration of interest reduction or suspension * Re-aging of the account once consistent payments are made I am not refusing to pay this debt. I am actively paying through garnishment. However, the current system prevents meaningful progress and appears fundamentally unfair. I am requesting immediate review and corrective action.

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