Macy's

*** *** *** *** ** ***
July
7,
*** *** ***
*** *** ***
*** *** ** ***
Re: Revdex.com ID ***
Macy's account ending in ***
Dear *** ***:
I am in receipt of your complaint forwarded to us by
the Revdex.com. As a
representative of Macy’s Executive Office, I was asked to review and respond to
your concerns on behalf of Department Stores National Bank.
I understand you are requesting
that we modify the payment history associated with the above-referenced Macy’s
account. In researching this matter, I
found that the billing statement for the period ending April 13, 2015, had a $
balance, with a $minimum payment due by May 13, 2015. When no payment was received by this date,
your account was charged a $late fee and $interest charge in
accordance with the terms of the enclosed Department Stores National Bank
Credit Card Agreement. The billing
statement for the period ending May 13, 2015, had a $balance with a
$minimum payment (including a $past due amount) due by June 13,
2015. When no payments were received,
your account continued to be charged late fees and interest, and was reported
as thirty (30) days past due to the credit reporting agencies. We received your payment of $on June 18,
2015, which brought your account to a current status. On that same date, a credit for a partial
late fee of $posted to your account as a courtesy to you during your
telephone conversation with a representative.
As a further gesture of our goodwill, on June 30, 2015, I removed the
remaining $late fee from your account.
As of the date of this letter, your account balance is $451.14. Enclosed are copies of your billing
statements for the periods ending April 13, 2015, through June 13, 2015, as
reference.
It is our policy
not to remove any delinquency from your credit file, unless it occurred as a
result of a bank or billing error. My research confirmed that a
billing error did not occur on your account and the information we reported is
accurate. Our records confirm that the
electronic billing statements were sent to ***[email protected] and were successfully
delivered and opened.
As a credit provider, we are
obligated to report the account accurately to the credit reporting agencies,
whether it is favorable or unfavorable to the consumer Therefore, we are unable to accommodate your
request to remove the delinquency from your credit report. On June 22, 2015, we requested that the
credit reporting agencies update their records and report your account as
“customer disputes reporting”.
*** ***, while this may
not be the resolution you are seeking, I hope you can understand that in order
for all of our customers to receive fair and consistent treatment, it is
necessary to maintain and adhere to specific policies and procedures. Should you have any further questions, please
contact me at the number below
Sincerely,
Janice
D
Macy's
Executive Office
###-###-####
Extension ***
Enclosures / mailed July 7,
cc: *** ***, Revdex.com
The Macy's card is issued by Department Stores
National Bank

During my transaction with Macy's I feel my confidential rights were violatedI would like to know Macy's policy on swiping a drivers license into the system without advising a customer before handI would like to speak of compensation with Macy's for stealing my informationI want a real
explanation on why this took place

September 28, 2017*** *** *** *** ** ***Dear *** ***:I am writing in reference to the complaint ID #*** from customer *** ***.The customer had a return set up and processed on 9-16-for the box spring on document number*** and for the
mattress return document number *** *** received two creditsone in the amount of $and another for $According to our records *** *** hasbeen refunded as requested 100%. Macy's finds this matter resolved.Sincerely,Macy's Executive Office###-###-####

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. My minimum payment amount should not be $80.50, it should be no more than $ So why is it still showing the incorrect minimum payment amount
Regards,
*** ***

Please see our previous response below, confirming dates and other related information regarding *** *** claimsThanks. May 12, 2017*** *** *** *** *** *** *** ** ***Re: Revdex.com, Complaint ID *** Dear *** **:I am in receipt of your complaint filed with the Revdex.com, which was forwarded to Macy’s Executive Office As a liaison in this office, I was asked to review and respond to your concernsPlease accept my sincere apologies for any frustration this may have caused you. In reviewing our records, I found that your macys.com order for a Dutch Oven was charged to your third party *** card ending in *** in the amount of $on December 12, On January 29, 2017, you returned this item to the *** *** Macy’s Store and a credit in the amount of $was processed to the same *** card A copy of your receipt is enclosed for your records. I queried this return transaction in our credit card processing system and found that the refund was successfully transmitted to your bank on January 29, 2017, and the transaction settled with your bank I encourage you to contact your bank to submit a billing dispute as we show the return transaction was successful You may provide a copy of your receipt and this letter to your bank as confirmation of our findings. Thank you for bringing this to our attention and allowing me the opportunity to respond Please contact me at the telephone number listed below if I may be of further assistance to you. Sincerely, Stephen C.Macy’s Executive Office###-###-#### Extension *** Enclosure

April 22, 2016*** *** ***
*** *** ***
*** ** ***Re: Revdex.com ID #*** Macy's account ending in ***Dear *** ***: I am in receipt of your complaint filed with the Revdex.com and forwarded to Macy's Executive Office As a liaison in this
office, I was asked to review and respond to your concerns on behalf of Department Stores National Bank Please accept my sincere apology for any confusion or frustration that you may have experienced regarding your Macy's account referenced above.Our records show that on November 28, 2015, you enrolled in the Thanks for Sharing to accumulate 10% rewards on your qualifying purchases from the date of enrollment through December 31, 2015, in the form of a gift card At the time of your enrollment, your Macy's account was charged $for the enrollment fee Unfortunately, there was a miscommunication with our store associate and the enrollment was not cancelled at that time Please be assured there was never any intention to be dishonest as you stated in your complaint and we regret that you feel otherwise The information you have provided has been forwarded to the appropriate parties so that they may address this issue directly with the Sales Associate I was also disappointed to hear of the trouble you experienced while trying to reach us by phone regarding this issue When you contacted us on January 5, 2016, the phone associate removed a $late fee and a $interest charge as shown on your January 29, 2016, billing statement We also submitted the request for the Thanks for Sharing fee to be reversed at that time and again on January 15, I have confirmed that your enrollment has been cancelled and on February 29, 2016, we processed a credit to your account for the $Thanks for Sharing fee as shown on your March 30, 2016, billing statement I have enclosed copies of both statements for your review In addition, I have confirmed no delinquencies were reported to the credit bureau as a result of this issue and as of the date of this letter your account has a zero ($0.00) balance.*** ***, thank you for bringing this matter to our attention and giving me the opportunity to respond Your feedback is critical as it assists us in understanding our customers' experiences and directs our attention to areas in which we can improve our service quality If I can be of further assistance, please do not hesitate to contact me at the telephone number listed below, as I would be delighted to speak with you.Sincerely,Regina M.Macy's Executive Office###-###-#### Extension ***Enclosurescc:*** ***, Revdex.com Store Manager, Macy’s ***

*** *** *** *** ** ***
July 2,
*** *** ***
*** *** *** *** ***
*** ** ***
Re: Revdex.com Complaint ID
#
***
Macy’s Account ending in ***
Dear
*** ***:
Thank
you for the courtesy extended during our telephone conversation on June 17,
2015, regarding your additional complaint filed with the Revdex.com
concerning the recent notification of the Change of Terms on your Macy’s account
noted above As a liaison in Macy’s
Executive Office, I was asked to review and respond on behalf of Department
Stores National Bank.
As discussed, the letter you received was to inform you of the upcoming
changes to the Terms Of Agreement (copy enclosed) on your
existing account and to confirm a new account was not established. It announced
the elimination of the Major Purchase, Special Event, and Club Accounts as
separate Account Types. I confirmed your
account has never had these additional lines of credit; therefore, these
changes have no impact on your account.
With respect to
our December 24, 2014, letter (enclosed), which was in response to your previous
Revdex.com complaint (ID#
***), this was in reference only to fees and calls you had
received. Kindly note we closed your
account, upon your request, when you spoke with me on June 17, 2015, and not in
response to that complaint. I have
confirmed that we made no inquiry on your credit bureau Please note
that we do not manage the credit reporting agencies; therefore, we have no
control on how your score is calculated.
In addition, we have updated our records to discontinue the mailing of all
fliers and sale catalogues to the name and address listed above. However, since our advertisements are
prepared in advance and sent to the distribution facility, you may continue to
receive previously scheduled mailings for up to weeks from that date. We regret any inconvenience this may cause
*** ***,
thank you again for bringing this matter to our attention and giving me the
opportunity to respond. Please do not
hesitate to call me at the telephone number listed below if I may be of further
assistance
Sincerely,
Rhea B
Macy's Executive Office
###-###-#### Extension ***
Enclosures / Mailed July 2,
cc: *** ***, Revdex.com

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

March 26, 2018*** *** *** *** *** ** ***Re: Revdex.com Complaint ID ***Macy's Account ending in ***Dear *** ***:I am in receipt of your recent correspondence forwarded to us by the Revdex.comAs a liaison in Macy's Executive OfficeI was
asked to review and respond to your concerns on behalf of Department Stores National Bank (DSNB)I apologize for any inconvenience you experienced as a result of our terms regarding interest chargesIt is always a concern when one of our customers is not satisfiedFor your convenience, below you will find the accounting and explanation of the late fees and interest charges referenced in your recent correspondence.For the billing period ending February 13, 2017, the account had a balance of $456.25, with a Minimum Payment Due of $due by March 12, We received a payment of $on March 7, 2017, as well as another payment of $on March 8, A balance was carried over from the prior statement; therefore, an interest charge of $was applied to your account, in accordance with the enclosed DSNB Credit Card AgreementAs it relates to interest charges, per the DSNB Credit Card Agreement, if the entire balance is not paid in full every month by the payment due date, an interest charge will be applied to the accountYour due date is at least days after the close of each billing cycleWe will not charge you any interest on purchases if you pay your entire balance by the due date each inonthPer the DSNB Credit Card Agreement, if you are charged interest, the charge will be no less than the $Minimum Interest Charge.For the billing period ending March 16, 2017, the account had a balance of $6.94, with a Minimum Payment Due of $6.94, due by April 12, Unfortunately, no payments were received on or before the payment due date of April 12, Since a balance was carried over from the prior statement, a Minimum Interest Charge of $was applied to your account.For the billing period ending April 14, 2017, the account had a balance of $8.94, with a past due amount of $6.94, and a Minimum Payment Due of $8.94, due by May 12, Unfortunately, no payments were received on or before the payment due date of May 12, 2017, and a Minimum Interest Charge of $was applied to your account.For the billing period ending May 16, 2017, the account had a balance of $10.94, with a past due amount of $and a Minimum Payment Due of $10.94, due by June 12, No payments were received on or before the payment due date of June 12, 2017, and a Minimum Interest Charge of $was applied to your account.For the billing period ending June 15, 2017, the account had a balance of $12.94, with a past due amount of $10.94, and a Minimum Payment Due of $12.94, due by July 12, But no payments were received on or before the payment due date of July 12, 2017.Our records show that you contacted Macy's Credit Customer Service Department on June 19, 2017, at which time we agreed to a courtesy/goodwill adjustment of $in interest charge reversalsAfter these adjustments were credited to your account, your account balance was reduced to $I have enclosed copies of the billing statements for the periods ending February 13, through July 16, for your review. Please be assured that DSNB complies with the Fair Credit Reporting Act (FCRA) and does not participate in dishonest or deceptive business practicesWe have policies and procedures in place to ensure that we are in compliance with applicable lawsRegarding your request to remove the delinquency from your credit report, under the FCRA we have an obligation to report accounts accurately to the credit reporting agenciesMy review of your account indicates that we are reporting your account accuratelyAccordingly, we are unable to accommodate your request to remove the delinquency from your credit report. The credit reporting agencies electronically contacted our offices in March with an Automated Consumer Dispute Verification (ACDV) regarding this delinquencyResponses were electronically returned to the credit reporting agencies in March confirming the accuracy of the reporting status.I found that you requested to have your account closed during a call with Macy's Credit Customer Service Department on March 8, Unfortunately your account was not closed on that date; however, as of March 20, your account is now closed and reporting as Closed By Customer, with a $balanceThis letter will serve as confirmation of your account being closed.I was disappointed to learn of your negative customer experience while speaking with Macy's Customer ServiceAs a company committed to outstanding customer service, Macy's goal is to have professional and courteous associates available when customers contact us with concernsWe regret that you were not satisfied with the level of service you received and although we do not like to hear that we did not meet your expectations, your comments are important to us, as they provide us an opportunity to follow up with the appropriate actionPlease know that the agent you spoke with on June 19, 2017, who reversed your interest charges as a courtesy/goodwilldid submit your account to be reviewed for the removal of the delinquent reportingYour account was officially reviewed and on June 29, 2017, your request was declined due to there being no bank error that led to the payment delinquency.Thank you for bringing these matters to our attention and giving me the opportunity to respondI assure you your business is important to us, as well as appreciatedPlease do not hesitate to call me at the telephone number listed below if I may be of further assistance.Sincerely.Justin B.Macy's Executive Office###-###-#### Extension ***Enclosurescc: *** *** ***The Revdex.com

Hello ***, We received the complaint for *** *** regarding ID #***The customer stated that Macy’s had $of his money in gift cards and credit card transaction for the purchase of their *** couch and loveseat He stated he had complained through multiple sources and no
one has resolved the matterI reached out to the customer but he explained that this issue was being resolvedFurther review shows that as of yesterday we have requested that a deposit set aside to make a purchase will be refunded back to the customerThe refund of the this deposit should satisfy customers issue Macy’s Executive Office Terri WilliamsLiaison, Omnichannel Executive Office | Macy's, IncDUKE BLVD | MASON, OH 45040Office: ###-###-####

May 4, 2016*** *** ***
** *** *** ***
*** ** ***Re: Revdex.com ID #*** Macy's account ending in *** (closed)Dear *** ***: I am in receipt of your complaint filed with the Revdex.com and forwarded to Macy's Executive Office As a
liaison in this office, I was asked to review and respond to your concerns on behalf of Department Stores National Bank Please accept my sincere apology that your payment was not applied to your account, and that you had to send us a copy of your cancelled check and payment receipt for us to research your missing payment Also, for the problems you encountered while attempting to resolve this matter with our phone associates Be assured that Macy's does not participate in dishonest or deceptive business practices of any kind.My review of your account shows you have an individual account in your name only and we do not show any authorized buyers On January 19, 2016, we received your correspondence requesting we close your account and to inquire if the payment of $had been posted There was no other information given; therefore, we were unable to research the payment On January 27, 2016, you contacted us by phone and during a conference call with your Bank, we advised you of the information we needed and provided a fax number On this same day the customer service associate removed a $late fee for December 31, 2015, as shown on your statement for billing period ending January 29, Also, we asked you to allow one (1) to two (2) billing cycles to complete our research once the information was received On January 31, 2016, we noted receipt of your faxed information and initiated the research A letter was sent on February 1, 2016, verifying we had begun our investigation On February 17, 2016, the payment was located and applied to your Macy’s account with a payment date of January 10, We also removed a total of $in interest charges which gave your account a credit balance of $ A Credit Balance Refund Check was sent on February 19, and we show it was cashed March 8, 2016.We have updated our internal records to reflect the account as paid in full January 10, 2016, and I requested that Equifax, Experian, and TransUnion update their record of this issue on your credit bureau report Please allow the agencies approximately days to make the necessary corrections to their files Until then, this letter will serve as confirmation of this request I have enclosed a copy of the letter dated February 1, 2016, and statements for period ending January 29, 2016, and February 28, 2016, for your review Regarding our calls, they are intended as a courtesy to remind customers of a recently missed payment, and are also an opportunity to assist our customers with maintaining a good payment and credit history with us Please be assured that our collection practices and policies are in compliance with all applicable laws and regulations I am sorry for any frustration you may have experienced. *** ***, thank you for bringing this situation to our attention and giving me the opportunity to respond Your feedback is critical as it assists us in understanding our customers' experiences and directs our attention to areas in which we can improve our service quality I welcome the opportunity to address your fiancées concerns appropriately, but ask that she contact us directly with her information Please do not hesitate to call me at the telephone number listed below if I may be of further assistance.Sincerely,Rhea B.Macy's Executive Office###-###-#### Extension ***Enclosurescc: *** ***, Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint Despite Macy's response (more than six months after the complaint was filed and only after it was closed due to the business's failure to respond), I have received no phone call and no messageMoreover, Macy's response did not resolve the issueI created a wedding registry, was told I would receive points for the registry's purchases which would be paid by Macy's in the form of a gift card, purchases were made, and no points and no gift card were received.Macy's should issue the points and gift card now to resolve the complaintMacy's is also invited to contact me by telephone if it requires further information because, despite the assertion made in the business's response, it has not done so
Regards,*** ***

November 22, *** *** *** * ** *** *** *** ** *** Re: Revdex.com Complaint ID #*** Macy’s Day Parade Seating Dear *** ***: I am in receipt of your complaint filed with the RevDex.com, which was forwarded to Macy’s Executive Office. As a liaison of this office, I was asked to review and respond to your concernsThough I was unsuccessful in reaching you by phone on November 10, 2016, I wanted to sincerely apologize for any inconvenience this matter may have caused you The lack of a prompt response is very disappointing. The service that you described is not indicative of the quality customer service that we strive to provide. As customer service is integral to the success of our business, it is always a concern when one customer is not satisfied with the level of service we have extended. It appears that we may have fallen short of our goal and I thank you for bringing this matter to our attention In researching your inquiry, I confirmed that the previous non-profit organization formerly known as *** *** *** has recently had a change in management. It has been brought to my attention that the organization is still up and running, under the name of *** *** *** (***). I was able to touch base with management of the organization and have been provided a contact number in which they can be reached. You can reach a member of the *** at the telephone number, ###-###-####. I was also successful in hearing back from an associate with the *** organization, through the following email address, *** Please be assured that I have reached out to the appropriate management regarding our Macy’s Day Parade website, so that this information can also be updated. I would like to personally and sincerely thank you for bring this matter to our attention. Under separate cover, and as a gesture of goodwill, I have mailed two (2) $Macy’s Money certificates,which can be used in any of our store locations. As a native *** ***, I can personally relate to the joy and excitement one feels when attending this annual parade. I hope that you and your family truly enjoy this year’s line up as well as the holiday season. If I may be of further assistance please feel free to contact me at the telephone number listed below Sincerely, Tyeisha BMacy’s Executive Office
*** *** *** cc: *** ***, Revdex.com

Dear *** ***: I am addressing this issue on behalf of Macy's Executive Office. Please accept my sincere apology for any inconvenience you experienced regarding your Macy's credit cardAll late fees and interest charges totaling $have been credited your Macy's
account.Your balance is now zero ($0.00)We have also cleared our internal records of any delinquency associated with this issue, and we requested that credit reporting agencies ( ***, *** and ***) delete the late payment history for the months of December through March from your credit report. Please allow thirty (30) business days for the agencies to modify their recordsThis letter will serve as confirmation of our requestAs a valued customer we appreciate your feedback, and hope you continue to shop at Macy's. *** ***, thank you for bringing this issue to our awareness and allowing me to respondIf I can be of further assistance, please do not hesitate to contact me at the telephone number listed below. Sincerely, Dakota B.| Omnichannel Presidential CorrespondentOmnichannel Selling and Service Escalation Team | MCCS Executive OfficePhone: ###-###-#### | Fax: ###-###-#### | Email* ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint I'm over 80 years old and have not held a job for well over years so it would have never made any sense for me to agree to sign up for the Credit Protection plan in I do not have any papers in my files at home showing where I enrolled in the Credit Protection plan program. I find that it's interesting that a company such as Macy's would contact their customers and offer such a plan with them only being required to verbally consent over the phone to joinMost companies on the same level of Macy's usually make such an offer by mail which requires a signature and you sending the offering back in so it could be keep on the said companies filesIt is very easy and convenient that Macy's stated that I joined in but have no proof other than their word the I, *** *** actually enrolled in this program. I will state once again that I did not consent verbally or otherwise to joined this plan and allow them to charge my credit account cent each month. I also asked for a replacement card in which I have yet to receive. I am very disappointed that Macy's has taken this stance on my complaintI don't see a need to go any further with this complaint so I'm asking you to close this caseThank you for you assistance.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint I talked with Mellisa from Macys and she said that they could not give me the ring for that price that a was a mistake and thousands of people wanted it for that priceI asked what they did for those people to resolve the issue and she said all they could do was get for the price it was that day, and it was back to the original priceI told her no.To me this has not been resolved!!!!!!!!!!!!!!!!!!

October 30, 2017*** *** ***Dear *** ***:I am in receipt of your complaint *** forwarded to us by the Revdex.comAs a representative of Macy's Executive Office, I was asked to review and respond to your concernsI show that your concern expressed in your complaint has
been resolvedThe order mentioned has been refunded. Please contact our office at your earliest convenience at the number below so that I may verify this with you.Sincerely,Tara B.Liaison, Omnichannel Executive Office | Macy's, IncDuke Blvd| Mason, OH

Dear *** ***,I am in receipt of Revdex.com Complaint ID #***I have spoken with *** *** and I have resolved all matters as expressed in the complaintBased on this, we consider the matter closed satisfactorilyThank you. Sincerely, Yvonne F.Liaison, Omnichannel Executive
Office | Macy's, IncDUKE BLVD | MASON, OH 45040Office: ###-###-#### Fax: ###-###-####

June 29, 2017*** *** *** *** *** ** ***Dear *** ***:I am writing in regards to your Rebuttal for the Revdex.com complaint ID # ***.Unfortunately, the *** Mattress is no longer availableYou can visit a showroom and make a newselectionOnce the new selection is made, I will honor a 20% discount off the new mattress set for theinconvenience this has causedI will set up a return for the mattress you now have which will give you acredit of $once the return has been completed.If you feel you can keep the mattress you now have I will be happy to honor a credit in the amount of$tax included for you to keep the mattress as isNormally this offer will void the manufactureswarrantyAs a goodwill gesture I am willing to keep your manufactures warranty validIf this offer isaccepted I will request your Macy's account be creditedThis can take up to business days to post to theaccount.Please call ###-###-#### or email [email protected] advising which offer you would like toaccept.Sincerely,Sharon W.Macy's Executive Office###-###-####

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***