Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX RE : SCRA Violations by Exchange Credit Program and Credit Reporting Agencies Complainant : XXXX XXXX XXXX XXXX Military Status : United States XXXX XXXX XXXX Contact : XXXX / XXXX Account Number : Account Ending : XXXX Dear CFPB Complaint Department : I am writing to file a formal complaint regarding ongoing violations of the Servicemembers Civil Relief Act ( SCRA ) by the Exchange Credit Program ( ECP ) and subsequent failures by the major credit reporting agencies to address these violations. 

NATURE OF VIOLATIONS : 1. Primary SCRA Violations by ECP : - Refusal to apply mandatory 6 % interest rate cap - Misapplication of SCRA requirements to XXXX status - Continued negative credit reporting after SCRA notification - False claims about prior communications - Improper requirement of " 30 days in one month '' for SCRA eligibility 2. Credit Bureau Response : - Failure to remove negative information based on SCRA violations- Continued reporting of disputed information - Inadequate investigation of disputes CHRONOLOGY OF EVENTS : 1. I have submitted multiple copies of XXXX XXXX orders to ECP over the last several years to ECP within the alloted time frame. 
2. ECP has repeatedly failed to apply SCRA protections 3. On XX/XX/XXXX, ECP falsely claimed they sent a response on XX/XX/XXXX 4. ECP continues to misapply SCRA requirements despite clear documentation 5. I have not recieved any follow up over the last several years despite sending in writing to both the email on their website and via mail. 
6. The last email I received cited that I had to be on orders for 30 days for the benefit to apply this is false pursuant to : SCRA ( 50 U.S.C. 3901-4043 ). As a XXXX those benefits are afforded as soon as I am called to XXXX XXXX. The 30 day requirement only applies to members of the XXXX. 

LEGAL BASIS : The violations fall under multiple federal statutes : 1. SCRA ( 50 U.S.C. 3901-4043 ) : - 3919 : Prohibits adverse credit actions based on SCRA rights- 4041 : Provides for DOJ enforcement and civil penalties- 3937 : Mandates 6 % interest rate cap 2. Fair Credit Reporting Act : - 15 U.S.C. 1681i : Requirements for dispute investigation - 15 U.S.C. 1681s-2 : Furnisher responsibilities ATTEMPTS AT RESOLUTION : 1. Multiple submissions of military orders to ECP 2. Direct communication with ECP 's representatives 3. Formal disputes filed with credit bureaus 4. Multiple written requests for SCRA compliance IMPACT OF VIOLATIONS : These violations have resulted in : - Excessive interest charges above 6 % cap - Negative credit reporting - Financial hardship - Potential impact on military security clearance - Stress during military service periods RELEVANT CASE LAW : Recent SCRA enforcement actions demonstrate the seriousness of these violations : - XXXX v. XXXX XXXX XXXX XXXX ( XXXX, XX/XX/XXXX ) - United States v. XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX, XX/XX/XXXX ) - United States v. XXXX XXXX XXXX  XXXX ( XXXX. XXXX, XX/XX/XXXX ) REQUESTED ACTIONS : I request that the CFPB : 1. Investigate ECP 's pattern of SCRA violations 2. Review credit bureaus ' failure to address these violations 3. Require immediate compliance with SCRA requirements 4. Order removal of all negative credit reporting 5. Assess appropriate penalties 6. Require restitution of excess interest charges DOCUMENTATION : I have attached the following : 1. Copies of military orders 2. Correspondence with ECP 3. Credit bureau dispute letters 4. Current credit reports 5. ECP account statements Please note that I am also filing complaints with : - Department of Justice Civil Rights Division - Office of the Judge Advocate General - Federal Trade Commission I authorize the CFPB to share my complaint information with other state and federal agencies as needed for investigation and enforcement purposes. 

Sincerely, XXXX XXXX XXXX XXXX United States XXXX XXXX XXXX XXXX : XXXX Email : XXXX Enclosures : [ List all attached documents ]

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