Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Army and Air Force Exchange Service
State: ID

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this formal complaint to report the flagrantly illegal and predatory debt collection activities being conducted by the Army and Air Force Exchange Service ( AAFES ) and its third-party collection agency, XXXX XXXX XXXX ( XXXX ). Both entities are unlawfully pursuing a single debt that has already been substantially overpaid, and their actions constitute a coordinated campaign of financial harassment. Here is a precise breakdown of the financial facts that prove their unlawful conduct : Original Debt : {$3600.00} with AAFES/Military STAR. Verified Payments Made to AAFES : A total of {$1500.00} has been forcibly garnished from my drill Leave and Earning Statements ( LES ). On XX/XX/year>, the U.S. Treasury seized {$3200.00} from my federal tax return and delivered it to AAFES. Total Amount Collected by AAFES : AAFES is in possession of {$4700.00} of my money. This equates to an overpayment of {$1100.00}. The most damning evidence of AAFES 's deceptive practices lies in their own accounting. My most recent XXXX, from which they continue to garnish funds, absurdly still shows a remaining balance of {$2000.00}. This proves that AAFES has knowingly and intentionally failed to apply the {$3200.00} Treasury offset to my account. They are fully aware the debt is paid, yet they continue to garnish my pay and empower a collection agency to harass me. Simultaneously, XXXX is aggressively demanding that I pay them the full original debt of {$3600.00}, giving zero credit for any payments made. This is a clear, fraudulent attempt to collect on a debt with a negative balance. These actions are in direct and willful violation of federal law : The Fair Debt Collection Practices Act ( FDCPA ) : 807 ( False Representations ) : XXXX and AAFES are grossly misrepresenting the character, amount, and legal status of this debt. A debt that has been overpaid by {$1100.00} has a legal status of " settled '' and an amount of XXXX. 808 ( Unfair Practices ) : The act of collecting any amount not legally owed is the definition of an unfair practice. Garnishing wages and deploying a collection agency on a satisfied debt is unconscionable. The Consumer Financial Protection Act ( CFPA ) : The behavior of both AAFES and XXXX is a textbook example of " unfair, deceptive, or abusive acts or practices '' ( UDAAPs ). Knowingly failing to credit a multi-thousand dollar payment and then continuing collection efforts based on that false deficiency is inherently deceptive and abusive. I am being systematically extorted by two entities acting in concert. This has inflicted significant financial hardship and emotional distress upon me and my family. I demand the CFPB take immediate and decisive action. You must compel AAFES and XXXX XXXX XXXX to : Instantly CEASE AND DESIST all collection activities against me. Immediately close this account, mark it as PAID IN FULL, and issue a formal letter of correction. Purge any and all negative reporting associated with this account from all credit bureaus ( XXXX, XXXX, XXXX ). Issue an immediate and full refund of the overpayment, which currently stands at {$1100.00}. I have the documentation to prove every assertion in this complaint. I will not be a victim of this blatant highway robbery. I expect the full weight of your agency to be brought upon AAFES and XXXX to remedy this situation and hold them accountable for their illegal conduct.

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