Who Is Army and Air Force Exchange Service? Why Are They Calling Me?
Most commonly for took or threatened to take negative or legal action
Contact Army and Air Force Exchange Service
- Address to send a debt validation letter
- The Exchange (AAFES) — Exchange Credit Program PO Box 740890 Cincinnati, OH 45274-0890
- Phone
- 1-877-891-7827
- Official website
- https://www.myecp.com
As of 2026-08-07 — verify before mailing anything important, since collectors do change addresses.
The Army and Air Force Exchange Service (AAFES, “The Exchange”) is the retail and credit-card operator for U.S. military installations, and it directly manages collection on its own Military Star Card accounts through its Exchange Credit Program rather than always selling debt to outside collectors. Military Star Card debt works differently from most consumer debt: AAFES can garnish a servicemember’s active-duty pay or tax refund to satisfy a past-due balance without first getting a court judgment, so a Star Card collection notice is worth acting on quickly. If a third-party agency like Transworld Systems is collecting on an AAFES account on the Exchange’s behalf, put them on notice with a validation request in writing to confirm the balance before paying anything.
If this is the first time you’ve been contacted about a Star Card balance, see what to do the first time a collector contacts you — and act quickly given the garnishment risk described above rather than waiting to see if it escalates on its own.
Questions & Answers
Is Army and Air Force Exchange Service a legitimate debt collector?
Army and Air Force Exchange Service shows up in the CFPB consumer complaint database, which tracks real complaints filed against real companies — so it is a legitimate, registered entity, not a scam name. That doesn't mean every call claiming to be from them is real; scammers impersonate real collectors. Verify what they're collecting before paying anything — see what to do the first time a collector contacts you.
— US Debt Compass Editorial Team
How do I stop Army and Air Force Exchange Service from calling me?
Under the FDCPA, you can send Army and Air Force Exchange Service a written cease-and-desist letter and they must stop contacting you except to confirm they've received it or to notify you of specific legal action. This doesn't erase the debt — it only stops the calls. See the cease-and-desist letter glossary entry for how to send one.
— US Debt Compass Editorial Team
How do I dispute a debt with Army and Air Force Exchange Service?
Send a written debt validation request to Army and Air Force Exchange Service's dispute address within 30 days of first contact — they must then verify the debt before continuing collection. See the contact details above for the current mailing address.
— US Debt Compass Editorial Team
Is Army and Air Force Exchange Service on my credit report?
If Army and Air Force Exchange Service is collecting on an account, it can appear on your credit report as a collection tradeline, separate from the original creditor's listing. Check your credit report directly to confirm, and see the credit report dispute guide if anything about the listing looks wrong.
— US Debt Compass Editorial Team