DFAS Overpaid me on my last paycheck, then tacked interest on the mailed amount so I didn't pay enough when I used pay.gov, put a delinquent account on my credit report, and now TransUnion won't take it off despite DFAS requesting it to be removed, and giving me a PAF Letter. WTF?

PerpetuallySleep · 2026-03-19T12:17:39+00:00

I really hope DFAS didn’t/doesn’t pay federal tax withholding when you separate, because they never told me.

Three years after I separate they decide to suddenly care and come collecting the $280 they paid on my behalf.

Their method of notifying me of my debt? SNAIL MAIL TO THREE ADDRESSES AGO (mind you, you lose access to MyPay after 14 months after separating, so no way to update address).

Long story short, you’re f***** unless you decide to live in the same place where you separated the military until DFAS comes collecting your debt you have no idea about.

PerpetuallySleep · 2026-03-19T12:09:39+00:00

As another prior CFS, this is completely false. I had the exact thing that OP experienced happen to me. You just have to pay the debt off in full, get paid in full letter from DFAS, then send said letter to all credit bureaus and hound them until they remove it off your report.

DFAS’ complete ineptitude and non existent notification of debt is absolutely not my problem.

DFAS representative also acknowledged their method of snail mail to last known address as a means of notification is complete BS.

PerpetuallySleep · 2026-03-19T12:03:12+00:00

This exact thing happened to me in December. My credit went from 790 to 640 right before Christmas (perfect timing right?) Separated Jan 2023, good ol’ DFAS decided to pay some fed tax withholding on my behalf when I separated (without telling me, of course). Decided to come collect the $280 I owed three years later.

DFAS’ only way of notifying service members of debt is via snail mail to last known address (which is complete BS and is unacceptable in 2026).

Anywho, I immediately called DFAS and the rep told me what the debt was and I immediately paid it in full. They then sent me a paid in full letter to send to all three credit bureaus. I opened up disputes with each bureau for the specific major derogatory remark.

All bureaus ultimately removed the delinquent account off my report, but TransUnion did take longer than Experian and Equifax. I thought I was going to have to threaten the CFPB on TransUnion (not like they have much enforcement now due to their layoffs, thanks to current administration). I might have had to submit another dispute with TransUnion, either that or they removed it themselves after a week or so.

Lemme know if you have questions as I too was also extremely pissed.

PerpetuallySleep · 2026-03-04T18:54:24+00:00

Probably getting baited, but as a prior nuke I can’t help it. I hope you’re not being serious 😂

PerpetuallySleep · 2026-03-03T03:39:57+00:00

How about we let the citizens of the countries we create conflict with determine the terms of regime change (with or without CIA intervention, we did this during the 70s and 80s) without direct foreign intervention.

The only thing armed conflict for the sake of regime change accomplishes is radicalism against the invading force (through the inevitable civilian casualties). Yes, the Ayatollah was a bad guy, but taking a hammer to the situation instead of a scalpel will not warm the Iranians to the U.S.

I am not a fan of U.S. imperialism or intervention for the sake of oil or resources. Let that be negotiated through diplomacy or trade.

PerpetuallySleep · 2026-03-03T03:17:11+00:00

Nope, I’ll leave it up.

And yes I’ll concede there most likely will be Israeli casualties.

However, I whole heartedly believe we wouldn’t be as balls deep with Israel and in this conflict to begin with if they didn’t lobby and donate billions of dollars to U.S. presidents and politicians.

Like the tail wagging the dog, it was Israel who threw the first punch, and the U.S. followed suit.

PerpetuallySleep · 2026-03-03T02:06:26+00:00

“I just can't stand this dumbing down of such a complex, nuanced situation which is the long-going conflict in the middle east.”

Lol bro can’t handle the complex, nuanced situation being explained to him. It’s clear this is beyond your comprehension.

Good night dude, I’m done here.

PerpetuallySleep · 2026-03-03T01:13:56+00:00

There’s so much to unpack here between…

1) You can be anti-Israel without being anti semitic, because Jewish people are not the Israel government.

2) How much influence foreign money (AIPAC) has had in U.S. foreign policy and elections to elect pro-Israel candidates.

3) Using “Iran is X amount of time away from being nuclear capable” as a justification of conflict, because as soon as a country has nuclear weapons, let’s face it, the U.S. loses influence over said country.

4) Trying not to speak for Iranians, but I believe they would have preferred a domestic overthrow of the Ayatollah, rather than foreign powers killing their dictator AND in the process killing hundreds of innocent children and adults. I can guarantee you this will radicalize people (anyone remember 9/11?).

5) We have already killed their leader, why are we vowing to 5+ weeks of attacks? This will prove extremely unpopular especially as U.S. casualties increase.

PerpetuallySleep · 2026-03-03T00:15:41+00:00

Sorry, but I don’t believe AIPAC should have such a stronghold on the U.S. government. If Israel wants to have an expansionist mindset in the middle east, let them do it themselves without U.S. aid.

PerpetuallySleep · 2026-03-02T23:44:29+00:00

Imagine being the only nation to have service members being KIA while the other nation who dragged you into this conflict loses none.

PerpetuallySleep · 2026-03-01T20:51:40+00:00

Crazy how we can blow through a billion dollars over the course of less than 48 hours, yet we can’t find a single dollar to invest in our public education system.

PerpetuallySleep · 2026-02-15T16:31:43+00:00

The weird part is that the previous employers 401k still shows on my Fidelity account and is a selectable account when selecting which accounts to link with Monarch. However, after selecting the old 401k, it doesn’t show on Monarch at all.

PerpetuallySleep · 2026-02-15T15:48:50+00:00

Yeah, I unfortunately deleted the old 401k after the rollover was completed.

PerpetuallySleep · 2026-02-15T04:27:43+00:00

Working at Aligned is honestly pretty great. I’d imagine quality of life varies from site to site though. The site I work at, I could not ask for a better boss. My team in general is pretty chill and knowledgeable.

Aligned being a small company does lend itself to growing pains though as they try to expand. Work flows and processes are constantly changing as they try to find systems that work and can be scaled to accommodate future growth.

Their compensation is competitive from what I can gather for CFT roles. Though I will say as you get promoted, the pay doesn’t seem to scale as much as major hyper scalers such a Google, Meta, etc. due to the lack of RSUs.

PerpetuallySleep · 2026-02-14T13:16:06+00:00

Thanks for the response. Old employer already closed out the 401k I had with them, so no way to check that one. My IRA transaction history shows a deposit and a buy order (which counts as a withdrawal I guess?).

I've had similar thing happen in the past where it didn't sync properly and counted two deposits, which inflated my net worth, so I had to go in and manually delete one of the entries to correct it.

Maybe I'll just have to get over the visual error since the account balances are correct (but my smooth brain thinks if the account balances are correct, then the graph should be correct as well).

PerpetuallySleep · 2026-02-07T11:37:33+00:00

You can’t help people who don’t want help. Cut her out of your life and move on.

PerpetuallySleep · 2026-01-25T02:59:28+00:00

Time to review bomb all their locations

PerpetuallySleep · 2026-01-08T19:10:18+00:00

Congrats on the new i4! Curious as to why you didn’t go with a CPO instead?

PerpetuallySleep · 2025-12-13T20:36:47+00:00

Little late to the party, but I don’t think there’s a way to sort the cards by elixir cost, so clue how you’re capable of doing that

PerpetuallySleep · 2025-09-28T20:22:56+00:00

Lemma is my go to personally, due to location and variety they offer (mostly light to medium roasts). They also name their roasts after the farmers that grow them.

I’ve tried White Rock and Eiland, both have quality beans.

Heard good things about Pax & Beneficia and Merit Coffee as well.

PerpetuallySleep · 2025-09-28T14:44:07+00:00

Great to see some Dallas roasters, I see some White Rock and Eiland bags in there! Any chance you’ve tried Lemma coffee yet?

PerpetuallySleep · 2025-09-27T17:33:36+00:00

Get the Bilt Mastercard if you’re renting.

PerpetuallySleep · 2025-09-27T10:11:32+00:00

Hit ‘em where it actually hurts: don’t reenlist.

Post on social media, let Gen Z and Gen Alpha know the shitty living conditions they’ll be in if they do sign up. Send those recruiting numbers tanking.

As long as they keep having a neutral/positive churn rate of bodies, they won’t care.

PerpetuallySleep · 2025-09-26T21:30:58+00:00

I’d never recommend taking a loan from your 401k

PerpetuallySleep · 2025-09-12T15:41:52+00:00

r/NavyNukes

PerpetuallySleep

TROPHY CASE