Explore your opportunities! Create an account or Sign In
The most trusted and popular consumer complaints website  



Took all my tax refund that I desperatly needed.

Complaint Rating:  33 % with 9 votes
33% 9
Contact information:
United States
I purchased a laptop from aafes I started paying it then lost my job. And tried to work out a deal with them them. Never recieved any bills or anything. Now they took out all my tax refund. Which I desperatly needed for another bill.
Complaint comments Comments Complaint country United States Complaint category Collections Agencies
Share with others:  
Was the above complaint useful?     


Sort by: Date | Rating
 25th of Mar, 2009 by    0 Votes
AAFES did the same thing to me. They are part of the Treasury Offset Program (TOP) and they have the authority to Offset any type of Federal Payment. The only silver lining is that you will be able to receive your State Income tax return. AAFES can't touch that.
 9th of Jul, 2009 by    -1 Votes
Hey! How about you deadbeats paying your bills instead of trash talking about how companies have to go out of their way to collect money YOU OWE THEM!! You shouldn't have incurred another debt knowing that you still owed the money.

The truth is; you thought you had gotten away without having to pay. Once you were faced with the fact that the company found another way to collect your debt you felt cheated out of the swindle you had already believed you'd gotten away with.

Both of you need to GROW UP and pay your bills!
 25th of Aug, 2009 by    0 Votes
 19th of Feb, 2010 by    +1 Votes
Your post is about a year old bud but, I have somthing to say about Afafes that judge and jury doesnt know.

AAFES is breaking the law and since it is part of the dop its going to continue to.

They are Frying peoples credit scores long after the 10 year contract with them is over with.

They are collecting The amount the people owe them 10x over and using late fees and intrest on closed accounts even after they have been closed or inactive for periods of 5-10 years.

Let me break this down to you. You owed affes 500 dollars. It was dilinquent 12 years 2 years after the contract was serviced to be ended any way and the account has been inactive for 11 years.

In that 11 years they have collected the 500 dollars from your taxes and 1500 dollars in fees and intrest (on the fees and intrest also). They have collected 22, 000 dollars from your taxes for an original debt of 500 and are still saying you owe them money.

They been garnishing my wages over 9 years I owed them 2, 000 and they have recieved that 2000 dollars and another 3500 ever year and continue to take my wages. For a debt that should have paid with first tax return. Not all 9 years takin ever penny I got thier intrest and fees- is is 150% what original debt was and they take it then create a new debt on your credit report with intrest and fees on your intrest and fees and continue to collect even after the total has been pain 4x in acess. Its against the law for any other place to do this but since they are with the dop they are lawless lmao no read this.


 1st of Mar, 2010 by    0 Votes
We just found out today that they are taking what we owe out of our taxes, but they are taking are full return and said that we get they dont use. We have over 2000 coming back and only owe them 800! We was making payments and were planning on paying off the star card with the tax return, just pissed that they are doing it this way! What will stop them from taking all of it and claiming that it was just extra fees? On top of this, AAFES, I work for them for a little while and never got a time card, the store mgr just wrote down the hours for me. Well last pay period I got just $100, and now this time..NOTHING! I called AAFES h.r. today to ask where rest of my pay is and I got them telling me that they would see if there was any proof I worked the hours I gave them, then if not they might settle and give me a small amount of WHAT THEY OWE ME or I could try to get a lawyer and get the money they owe me, but he said that wont happen and it would be just a waste!
 4th of Mar, 2011 by    0 Votes
AAFES just garneshed my taxes from a claim they said i owe in 2001.I paid off my star card at the exchange in cash and told them i wont use it to close the account.Then I moved from Cali.to PA They said they were sendind notices to the cali address and in 2004 they said they sent me a letter informing me they were going to take my taxes if i dont pay.They sent that letter they said to the address in cali.I said .well i did not live there.I lived in pa since 2001 .(the collections department)Said well you should have called us .HELLO I just told you I paid the card off but yet i was suppose to call them to tell them i moved.So anyway the only reason I found out that they said I owed them money was a letter was sent here saying I owe them 4000$.WHAT!!!UUmmm it took 9 years and 7 months to find me in pa and 10 years to take my taxes .But she said well if you can show proff you paid .Hello who keeps something like that for 10 years when i had no idea they were even saying i owed them money.I could have fought this years ago now i have no proff So they just get to do what they want.WTF!!!
 9th of Feb, 2012 by    0 Votes
My ex husband is in the military and he owes them nothing! They had the nerve to take my whole tax refund and I dont know why. They messing with the right person because I WILL handle this. I will get a lawyer to fight this. They took $8, 000 from me!! I need that money. I have kids tocare for. The sad thing is I have no idea why they took it and neither does my ex husband.
 17th of Feb, 2012 by    +1 Votes
Well its a cruel world were nobody cares about the welfare of one or another. Even if you owe them money because you seperated the military and couldn't pay it off before you left, they should be a little more considerate as everybody has thier own reason why it hasn't been paid off yet. Some people try to make a break for it, other people don't make enough money to handle another bill payment. Some people in todays economy especially don't have jobs when they seperate the military and can not collect any federal assistance. I thought when I left the Air Force cripled for life no thanks to Minot, I had a good job with lockheed martin I was going to make everything right. Unseen I lost my job as the contract was terminated so they could replace us with government GS positions, my supervisor was an asshole who failed to do his job. I had debt i need to pay off and have been unemployed for over 8 months can not find work anywhere my only chance to change anything in my life was my federal refund which AAFES took and now my car sits with a busted windshield finally got hired for a job but now cant drive my car because can not afford to replace windshield to drive 3 hours to training, my insurance is about to cancel. Everything could have been fixed and without warning my life takes a drastic turn from bad to worst. So in my oppinion this country is a bunch of selfess greedy bastards i am no longer patriotic to this country, ten years all i end up is broken, unemployed and left to rot. So hope this country burns to the ground everytime i try to stand up somebody is kicking me down. This will be my only and last acknowledgment on any other matter.
 2nd of Apr, 2013 by    0 Votes
AAFES stole my money too.

They violated several US Code laws to include the Fair Debt Collection Act.

These are not isolated stories, I have been researching and finding many AAFES Horror Stories.

Write your senators like I did, write the president...write AAFES IG...let them know that AAFES is a rogue and dangerous agency.

No other "private company" in the world is allowed to "garnish" and "offset" without due process.

I requested a hearing to verify the validity of the debt. I got a letter back stating the date of the hearing and instructions...ect...4 days later they took $4000 right out of my bank account.

This is the enemy, veterans deal with after we get back from war.

AAFES must go.
 19th of Dec, 2013 by    0 Votes
Im concerned because i just had fraudulent charges come up on my star card. Im hoping they can find the person that did this and also re imburse me the money. Has anyone else had this same problem?
 27th of Feb, 2014 by    0 Votes
How can we stop this? My son legitimately owes a debt to AAFES. I believe, after this last tax refund payment, it's at about $300.00. Can he contact them, pay the balance due and get something from them to document that the debt has been satisfied? Then do we just have to wait to see if it gets taken again and then go hire a lawyer? Can the Veterans association help at all with this potential dilemma?
 30th of Jul, 2014 by    0 Votes
I am now going through the same thing as well. They do not care about current or veteran military members. All they want is money and they found the perfect way to get it with no way of you stopping them short of bankruptcy if you even have a chance to file before finding out they are taking or already taken your money without notice! I served 13 years in the Air Force before being medically discharged(which I was given a 20% rating just under 30% needed for retirement benefits) and now at 60% from the VA with 5 conditions with claims still processing. I was given a roughly $71, 000 severance pay which was around 52, 000 after they taxed it. After filing my first set of VA claims and being awarded the 60%, found out the hard way that I had to basically repay that back to the government with my VA benefits. I am only getting $463 out of $1071 until 2017 and have just had to leave my job with USPS because of my medical issues. I have racked up a huge pile of medical debts the VA will not pay for because I had to go to a non-VA facility on several occasions for ER issues and hospital stay because the closest VA hospital is over a hour and half away.. I filed an amended return for the taxes they took out under the St. Clair provisions which really changes it to non-taxable disability and was suppose to be getting a little over $18, 000 back they took out in taxes on it. WELL, I JUST FOUND OUT MY AAFES STAR CARD WAS NOT PAID OFF WITH MY LAST EARNING LIKE IT WAS SUPPOSE TO BE AND I NEVER RECEIVED A NOTICE UNTIL IT WAS "OFFSET" OUT OF MY TAXES BY TAKING ALMOST $11, 000 OF MY SEVERANCE PAY TAX RECOUPMENT!!!. I also had to pay DFAS back my travel pay because the paperwork kept getting "lost" even though I sent all documentation to 3 different Air Force bases and finally a legal office for collection. I never heard a response back from them and they took the money out of my refund last year.. So, I basically left the AF after 13 years of service with nothing but my GI Bill and a BUNCH OF DEBT!!! They con young troops into getting the card, running it up and then most stay in so they can keep paying those bills and then when you get out take every penny they can out of you EVEN IF IT WILL MAKE A DISABLED OR VETERAN BROKE AND IN DEBT EVEN FURTHER. THANKS!!!
 13th of Jan, 2015 by    0 Votes
They are very greedy! My husband shared his card with his ex wife... of course he gets left with it. Anyways they took all of our tax money last year. Had no clue of it, until after the fact. If I would of known that we would of filed separately instead of jointly. Hello, they took MY money in which I had nothing to do with the Frickin star card!!! We have tried to work with them but they won't sent us anything in the mail. They are really difficult to work with and won't accept a payment u can pay. For example we offered $50 a month...they said nope. I told them that they can not legally refuse one penny if I offered to pay them. I don't get it. They need to get off their high horse and realize LIFE happens and hopefully one day all of those big wigs LIFE will come crashing down on them
 5th of Mar, 2015 by    0 Votes
We just found out that our entire $3, 645 tax return was taken to pay off the STAR Card. No notices, no attempts to contact us. My husband tried to pay them off with his severance check when he first got out of the army a year ago. He asked them to take it off the top, and they refused to do it. They closed his account and that is the last we have heard from them, even though they have our address and contact information.

We really needed that money to move home and get out of this Godforsaken place, and now we're stranded here. I don't know what we're going to do, now. We can't afford to stay here because the job market is awful and the transportation system might as well not exist. We have one car and one income, and we were trying to get home where there are more job opportunities for both of us and public transportation to get around.

All of this happened suddenly and with zero warning. The IRS said that we were getting a refund and said that it was deposited in our account, and we only found out because the money didn't show up. Now, our hopes of getting out of here and into a better situation are crushed. Thanks, IRS. Thanks, STAR Card. You ruined our lives.
 5th of Mar, 2015 by    0 Votes
Ok so Military star has taken your refund.. Sadly you have no argument. You used the card and incurred the debt. The fine print states that wages and taxes can and will be garnished if debts aren't paid. Realize that this is a government debt, and the government will get their money. Been through it just like you. Tough it out and move on because that tax refund check is now AAFES!
 6th of May, 2015 by    0 Votes
I have recently received a letter from IRS stating that my return went to pay off a balance I owed on a star card that I had closed back in 2007. They took $1700 dollars :(. I’m a college student, that money is my life!

Anyhow, After I received the Treasury’s letter I gave the aafes number a call. The lady I talked to required all my information - social security, current address, full name etc. before she could disclose any information to me… So I gave her the info and then she told me she in fact did not have any information for me and told me to call TSI. Also, when I asked for an ID number, employee number, etc. she said she didn’t have one - I don’t know if this is legit but I thought it was kind of weird.

Anyways, I then called TSI and that’s when they told me I owed $5882!! I gasped, I don’t remember ever owing that much money on the card even when it was active 7 years ago! :( . He told me that I could pay it now and they would be willing to settle for a lump sum of 30% off bringing it down to about $4k- but still, I don’t have that kind of money!!

I have not received any letters from them since I move around so much for school, they said they sent a debt validation letter back in 2007 to the address in their records (but it was not my current address). I requested that they send me another one at my current address and the guy told me he was not required to do that because they had already sent one out in 2007! - Anyhow, he said what he could do for me (like this is all a favor??) was send information what I still owed and where to send the money, but it’ll take 30 to 45 days. Also, I asked him how much of the balance was interest and how much was principal and he said he didn’t have this information available to him.

Anyhow, I feel sort of screwed - it is my understanding that the 10 year statute of limitations for federal debt was lifted in 2008 so I don’t even have that to protect me.

However, the 5, 882 balance sounds incredibly high - I was told that there is an 18% annual interest rate being charged on it currently. Can they still charge interest after its been closed??

Supposedly it wasn’t officially sold to TSI, TSI is just over seeing it for AAEFES? But I don’t know.

Furthermore - it isn’t on my credit report - anywhere… Doesn’t show up as a “closed” or “transferred” account or anything - nothing - but all my student loans from 2007 and 2008 are still on there, so I don’t know what that’s all about.

I have no other financial delinquencies, and I’m up to date on all other open debts - the only other debt I have is student loan debt and I don’t start paying on those until 2016-2017 ish.

Anyhow, I was just wondering what your take on this was and what I should do… I don’t know my rights and I don’t have that kind of money. I feel like I’m dealing with loan sharks...

How can I find out if that is even an accurate balance - How do I go about getting detailed information from them about my account (interest, principal, fees, etc.)?? Is there any type of maximum time frame they are required to collect in?? Can they charge interest even though its closed??

Gisela Turner

Post your Comment

Please check text spelling before submitting a comment
Your attitude towards ComplaintAgree Neutral Disagree
Comment text
Attach photos (optional)

Share with Others

Contact Us
RSS Feed