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After notifying the pay office that placed you in debt, submit an AskDFAS ticket disagreeing with the debt.
1. Notify DFAS That You Disagree With Your Debt
How to Submit your AskDFAS ticket:
- Access AskDFAS here.
- Under Categories, select ‘Military Pay & Allowance Debts’ or ‘Dispute Debt – OTHER’
- Select the most relevant ‘Subcategory’
- Enter your information
- Attach an explanation of why you disagree with the debt, and provide any documentation that supports your claim.
- Click Submit
After submitting via AskDFAS, a ticket number will be emailed to you for reference and updates. Please keep this ticket number until a final determination.
2. Make a Payment
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To prevent your account from being referred for involuntary offset or to a private collection agency, you must make monthly payment arrangements with DFAS, even after protesting your debt.
Collection of your debt continues during the protest process. If your debt is adjusted down or canceled, you will receive a refund of the overpayment.
Continue making monthly payments in your proposed amount. Failure to make payments may result in your account being referred for involuntary offset or to a private collection agency.
If you are paying DFAS and the debt is being collected out of your active duty pay at the same time, contact both your pay office and DFAS (contact us) to determine how to proceed.
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To request a copy of supporting debt documentation, which DFAS received from the debt originator, or to a request validation/verification of the out-of-service debt account, please submit an AskDFAS ticket.
How to Submit your AskDFAS ticket:
- Access AskDFAS here.
- Under Categories, select ‘Military Pay & Allowance Debts’ or ‘Dispute Debt – OTHER.’
- Select the most relevant ‘Subcategory.’
- Enter your information.
- Attach an explanation of why you disagree with the debt, and provide any documentation that supports your claim.
- Click Submit.
After submitting via AskDFAS, a ticket number will be emailed to you for reference and updates. Please keep this ticket number until a final determination.
Requesting a Review of your Account
If you disagree with a debt, you may request a cursory review within the first 30 days of the issuance of the original demand (debt) notification letter. To request a review, please contact your servicing finance or payroll office.
Removing a Debt from your Credit Report
Contact the DFAS Customer Care Center at 866-912-6488 for assistance with debts appearing on your credit report.
An Allotment Debt
If your demand (debt) notification letter indicates you are in debt for an allotment issued after you left the military but you never received the allotment, contact the allotment recipient. Most likely they received the funds and should issue you a refund.
Correcting your Military Record
If you believe you are the victim of an error or injustice which affects your military record, you may be eligible to apply for a Correction of Military Records.
If you agree with the debt, and the debt resulted from erroneous payments of wages or allowances this might be right for you. For additional information, visit Learn about Waivers or Remissions.
Return to Disputing/Protesting Your Debt
Return to the Debt and Claims DFAS Homepage
Page updated July 7, 2023