Army and Air Force Exchange Service Debt Collection Complaint

Credit card Disclosure verification of debt not given enough info to verify debt

Army and Air Force Exchange Service Debt collection department,

Credit card Disclosure verification of debt Not given enough info to verify debt Florida

-/-/2016 I pulled a copy of my credit report. I sent a certified letter on -/-/2016 to Military Star which was listed on my credit report requesting validation of this account made pursuant to the Fair Debt Practices FDCPA & 807 ( 15USC 1962e ). I requested that if they could not validate the debt, that the entry be deleted from all credit reporting agencies. They did not comply with this request. On -/-/2016 I sent another certified letter to Military Star informing them they had not sent me any copy of viable evidence bearing my signature and that they had not replied in a timely manner to my initial letter. -/-/2016 I pulled another copy of my credit report and noticed that Military Star did not add the required " notice of dispute '' verbiage to my account per Federal Law. On -/-/2016 I sent a third certified letter to Military Star informing them that they did not furnish the credit bureau 's with the required disclosure within the period required by the law and that they are required by Federal Law to place a " notice of dispute '' on my account within 30 days of my dispute, which was signed for on -/-/2016. Clearly copies of my credit report dated -/-/2016 show no such required entry. - is in violation of the Fair Debt Practices Act by not sending proper documentation requested and furthermore is in violation of Federal Law by not adding the notice of dispute on my account.

Army and Air Force Exchange Service customer in Florida
Jan 19, 2017

* Source: CFPB Complaint Database

Army and Air Force Exchange Service response to complaint:
Closed with explanation

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