SYSTEMIC MISREPRESENTATION IN MILITARY DEBT COLLECTION AND CREDIT REPORTING

Welcome to the interactive timeline, Systemic Misrepresentation in Military Debt Collection and Credit Reporting (Massive Overbilling of Military Consumers). This timeline presents a detailed chronology of events, evidence, and legal challenges that expose how misrepresentations in creditor naming and billing practices affect consumers. The focus is on the Army and Air Force Exchange Service which—despite its legally chartered name—is frequently represented by numerous misleading variants. These inconsistencies appear across contracts, invoices, billing statements, debt collection correspondence, bank accounts, and consumer credit reports, including but not limited to forms such as Army & Air Force Exchange Service (using an ampersand) and Exchange Credit Program. The timeline also examines the role of the Defense Finance and Accounting Service in enforcing collection actions based on these ambiguous labels. These practices, both past and ongoing, reveal a broader pattern of systemic issues that extend beyond any single case.

This interactive timeline synthesizes data from official documents, legal filings, and investigative reports to illustrate a recurring pattern of misrepresentation in military debt collection and credit reporting. It documents a series of events in which billing statements failed to clearly identify the creditor as the legally recognized “Army and Air Force Exchange Service.” Instead, consumers have encountered misleading variations—such as “Army & Air Force Exchange Service,” “Exchange Credit Program,” and similar designations—on billing statements, email notifications, and consumer credit reports. In addition, the timeline highlights how the Defense Finance and Accounting Service has enforced collection actions, including wage offsets and adverse credit reporting, based on these discrepancies. By integrating the regulatory requirements of the Fair Credit Billing Act and the Truth in Lending Act (and its implementing Regulation Z), this timeline demonstrates that such misrepresentations are not isolated incidents but part of a systemic practice that may impact numerous consumers.

This interactive timeline is provided for illustrative and educational purposes only and is not intended to offer, nor should it be relied upon for, legal or financial advice in any specific situation. No action should be taken based on the information contained herein without first consulting a licensed attorney and certified financial adviser. This timeline may include logo images and other copyrighted materials, which are used under the “fair use” provisions set forth in Title 17, United States Code Section 106A.

October 12, 1977

Army and Air Force Exchange Service Request for Records Authority (No Ampersand)

This entry showcases a 1977 request from the Army and Air Force Exchange Service to the National Archives, seeking approval to revise record-retention schedules.

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March 21, 1980

Records Disposition Amendments (No Ampersand)

This entry concerns modifications to certain security-related records schedules submitted by the Army and Air Force Exchange Service in March 1980.

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April 28, 1980

NARA Records Disposition Request (No Ampersand)

This entry involves a 1980 records disposition form submitted by the Army and Air Force Exchange Service (AAFES) to the National Archives.

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September 05, 1980

NARA Request for Records Disposition Authority (No Ampersand)

This entry features a disposition request filed by the Army and Air Force Exchange Service in September 1980, focusing on records management updates.

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November 22, 1982

Committee Management and Security Records Update (No Ampersand)

This entry covers various amendments to record schedules submitted by the Army and Air Force Exchange Service in November 1982.

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April 23, 1987

Revised Records Disposition Request (No Ampersand)

This entry pertains to an updated records disposition schedule the Army and Air Force Exchange Service submitted in April 1987.

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September 28, 1987

NARA Request for Records Disposition Authority (No Ampersand)

This form concerns a records retention request filed by the Army and Air Force Exchange Service (AAFES) in late 1987.

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May 22, 2001

NARA Disposition Authority Form (No Ampersand)

This entry highlights a National Archives and Records Administration (NARA) disposition form, dated May 22, 2001, related to Army and Air Force Exchange Service (AAFES) personnel records.

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November 29, 2001

Retirement File Disposition Request (No Ampersand)

This entry documents a 2001 submission by the Army and Air Force Exchange Service for approving changes to its retirement records schedule.

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January 30, 2009

NARA Disposition Authority (No Ampersand)

This short entry involves a NARA form from January 30, 2009, outlining record-keeping and disposal procedures for the Army and Air Force Exchange Service.

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July 10, 2009

“Board of Directors, Army and Air Force Exchange Service” (No Ampersand Found)

This entry centers on a joint Army–Air Force regulation dated July 10, 2009, which governs the composition and responsibilities of the Exchange Service’s Board of Directors. Mr. Burnett notes that the source document consistently spells out “Army and Air Force Exchange Service,” omitting the ampersand.

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Nov 01, 2009 - Nov 30, 2009

Correct Legal Name Clarified in DoD 7000.14‑R, Volume 7C, Chapter 8 (November 2009)

In November 2009, the Department of Defense released Volume 7C, Chapter 8 of its Financial Management Regulation (DoD 7000.14‑R). This edition reiterates that the correct name of the purported creditor agency is “Army and Air Force Exchange Service” (without an ampersand) and sets forth centralized processes for involuntary withholding of pay, ensuring due process protections for debtors.

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December 31, 2011

10 U.S.C. Chapter 147 Subchapter 3 (Preliminary Release) – Exchange-Related Statute

This section of the U.S. Code deals with governing statutes for certain DoD exchange programs. Notably, while the text references “Army and Air Force Exchange Service” spelled out in full, various emails sometimes replace “and” with an ampersand, which Mr. Burnett contends is legally imprecise.

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January 06, 2012

DoDI 1400.25-V1407, NAF Classification

This document defines policy and procedures for the classification of DoD Nonappropriated Fund (NAF) positions, focusing on white-collar (NF), crafts and trades (CT), and children/youth (CY) pay categories. It clarifies how the Army and Air Force Exchange Service (AAFES) may be considered a DoD Component for classification policy.

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October 05, 2012

“Army and Air Force Exchange Service” Operations Instruction (No Ampersand Noted)

This entry focuses on the joint Army and Air Force regulation from October 5, 2012, governing Exchange Service operations. Mr. Burnett highlights that throughout this official document, the name “Army and Air Force Exchange Service” is spelled out in full, omitting any ampersand.

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Jan 31, 2015 - Jan 30, 2016

2015 Army and Air Force Exchange Service Annual Report (No Ampersand)

This entry highlights the Exchange’s 2015 Annual Report, which covers operations, initiatives, and financial results. Mr. Burnett notes that the name “Army and Air Force Exchange Service” appears in full—omitting any ampersand.

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October 07, 2016

Army and Air Force Exchange Service” Privacy Impact Assessment (No Ampersand Found)

This entry focuses on a Privacy Impact Assessment (PIA) document from October 2016, regarding the Exchange’s information systems. Mr. Burnett notes that the source document uses “Army and Air Force Exchange Service” spelled out in full—contrasting with certain email footers that employ “Army & Air Force Exchange Service,” which he believes is not the correct legal name.

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November 06, 2018

“Military Star” Trademark Registration: Conflicting References to “Army and Air Force Exchange”

On this date, the U.S. Patent and Trademark Office (USPTO) granted Registration No. 5599550 for “MILITARY STAR,” covering credit and payment services. While the filing records “Army & Air Force Exchange Service” (with an ampersand) as the owner, portions of the documentation reference “Army and Air Force Exchange” (omitting both “Service” and the ampersand). This inconsistency reinforces Mr. Burnett’s stance that the precise legal name—and thus the true creditor identity—is unclear.

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Jun 01, 2022 - Jun 30, 2022

Correct Legal Name for Creditor and Debtor Protections: “Army and Air Force Exchange Service” in DoD 7000.14‑R

In June 2022, the Department of Defense issued Volume 16, Chapter 3 of its Financial Management Regulation (DoD 7000.14‑R). Pages 3‑18 through 3‑24 clarify that the legally recognized name is “Army and Air Force Exchange Service” (without an ampersand) and outline both the rights of alleged debtors—including due process—and the duties of the Army and Air Force Exchange Service and the Defense Finance and Accounting Service. Despite these mandates, Mr. Burnett’s ongoing disputes over the credit card account receivables (from October 2022 to April 2025) remain unresolved, suggesting a failure by both agencies to follow their own procedures.

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October 18, 2022

Army and Air Force Exchange Service Billing Statement Cites “Exchange Credit Program” as Payee

Improper Creditor Naming

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October 18, 2022

Notification of Improper Debt Collection and Discrepancies—Citing Threatened Negative or Legal Actions

Debt Collection and Credit Reporting Disputes

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November 19, 2022

MILITARY STAR Card Statement Notification

Billing and Statements

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February 18, 2023

Army and Air Force Exchange Service Billing Statement Cites “Exchange Credit Program” as Payee

Improper Creditor Naming

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February 19, 2023

MILITARY STAR Card Statement Notification

Billing and Statements

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Mar 10, 2023 - Apr 01, 2023

Notification of Improper Debt Collection and Discrepancies—Citing Threatened Negative or Legal Actions

Debt Collection and Credit Reporting Disputes

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March 19, 2023

MILITARY STAR Card Statement Notification

Billing and Statements

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Mar 27, 2023 - Mar 28, 2023

Tyrone Burnett’s Formal Complaint Against the Army and Air Force Exchange Service for Credit Card Debt, Alleging Threatened Negative or Legal Actions, and Subsequent Response by the Consumer Financial Protection Bureau

Debt Collection and Credit Reporting Disputes

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Apr 12, 2023 - Apr 13, 2023

Complaint to Defense Finance and Accounting Service: Improper Debt Collection and Discrepancies—Citing Threatened Negative or Legal Actions

Debt Collection and Credit Reporting Disputes

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April 19, 2023

MILITARY STAR Card Statement Notification

Billing and Statements

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May 13, 2023 - May 15, 2023

Formal Complaint Against the Army and Air Force Exchange Service Regarding Alleged Credit Card Debt, Citing Threatened Negative or Legal Actions and Failure to Provide Written Notification of Debt

Debt Collection and Credit Reporting Disputes

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May 15, 2023 - May 16, 2023

Complaint to Defense Finance and Accounting Service: Improper Debt Collection and Discrepancies—Citing Threatened Negative or Legal Actions

Debt Collection and Credit Reporting Disputes

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May 19, 2023

Notification of Improper Debt Collection and Discrepancies—Citing Threatened Negative or Legal Actions

Debt Collection and Credit Reporting Disputes

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May 19, 2023

MILITARY STAR Card Statement Notification

Billing and Statements

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Jun 12, 2023 - Jul 01, 2023

Notification of Improper Debt Collection and Discrepancies—Citing Threatened Negative or Legal Actions

Debt Collection and Credit Reporting Disputes

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Jun 14, 2023 - Jul 28, 2023

Complaint Over Defense Finance and Accounting Service and Army Debt Collection Practices Related to Army and Air Force Exchange Service Credit Card Debt, Alleging Threatened Legal Actions

Debt Collection and Credit Reporting Dispute

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June 14, 2023

Tyrone Burnett’s Complaint Against Army and Air Force Exchange Service Over Payee Discrepancies

Debt Collection and Credit Reporting Disputes

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June 21, 2023

FOIA/PA Request for Financial Records and Potential Regulatory Violations

FOIA and Privacy Act Requests

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June 23, 2023

Defense Finance and Accounting Service Initiates Salary Offset for Alleged Indebtedness

Debt Collection and Credit Reporting Issues

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June 25, 2023

Memorandum for the Record – Billing Error Notice and Payee Discrepancies

Billing and Disputes

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Jun 25, 2023 - Sep 05, 2023

Archived Ticket 202306260040: Notice of Billing Error Dispute, Salary Offset, and Consumer Credit Reporting Concerns

Debt Collection and Credit Reporting Disputes

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Jun 26, 2023 - Sep 05, 2023

Complaint to Defense Finance and Accounting Service: Improper Debt Collection and Discrepancies—Citing Threatened Negative or Legal Actions

Debt Collection and Credit Reporting Disputes

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Jul 10, 2023 - Aug 01, 2023

Notification of Improper Debt Collection and Discrepancies—Citing Threatened Negative or Legal Actions

Debt Collection and Credit Reporting Disputes

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July 19, 2023

Army and Air Force Exchange Service Threatens Collections, Contradicted by Defense Finance and Accounting Service Action

Improper Creditor Naming

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July 19, 2023

Pending Collections Transfer and Ongoing Offset Dispute

Debt Collection and Offsets

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July 19, 2023

MILITARY STAR Card Statement Notification

Billing and Statements

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Jul 25, 2023 - Aug 15, 2023

Formal Complaint Against the Army and Air Force Exchange Service for Credit Card Debt, Alleging Threatened Negative or Legal Actions

Debt Collection and Credit Reporting Disputes

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Jul 25, 2023 - Sep 11, 2023

Complaint to Defense Finance and Accounting Service: Improper Debt Collection and Discrepancies—Citing Threatened Negative or Legal Actions

Debt Collection and Credit Reporting Disputes

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July 25, 2023

Formal Memorandum of the Record Regarding Credit Disputes: Tyrone Burnett’s Request for Correction of Inaccuracies

Debt Collection and Credit Reporting Disputes

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Jul 25, 2023 - Aug 14, 2023

Formal Complaint Against the Defense Finance and Accounting Service and the Army and Air Force Exchange Service for Credit Card Debt, Alleging Threatened Negative or Legal Actions

Debt Collection and Credit Reporting Disputes

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July 26, 2023

Clarification and Accountability: Addressing Billing Dispute Communication with the Army and Air Force Exchange Service

Debt Collection and Credit Reporting Disputes

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SYSTEMIC MISREPRESENTATION IN MILITARY DEBT COLLECTION AND CREDIT REPORTING

Correct Legal Name Clarified in DoD 7000.14‑R, Volume 7C, Chapter 8

November 01, 2009 - November 30, 2009

Correct Legal Name for Creditor and Debtor Protections: “Army and Air Force Exchange Service” in DoD 7000.14‑R

June 01, 2022 - June 30, 2022
October 12, 1977
March 21, 1980
April 28, 1980
September 05, 1980
November 22, 1982
April 23, 1987
September 28, 1987
May 22, 2001
November 29, 2001
January 30, 2009
July 10, 2009
November 01, 2009
December 31, 2011
January 06, 2012
October 05, 2012
January 31, 2015
October 07, 2016
November 06, 2018
June 01, 2022
October 18, 2022
October 18, 2022
November 19, 2022
February 18, 2023
February 19, 2023
March 10, 2023
March 19, 2023
March 27, 2023
April 12, 2023
April 19, 2023
May 13, 2023
May 15, 2023
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June 12, 2023
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October 10, 1977
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