Macy's

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,
*** ***

September 28, 2016*** *** ** *** ** *** *** *** *** *** ** ** ***RE: Macy's Account ending in ***Complaint ID ***Dear *** ***:I am in receipt of the complaint you filed with the Revdex.com concerning the above referenced Macy's accountAs a representative of
Macy's Executive Office, I was asked to review and respond on behalf of Department Stores National Bank (DSNB)I regret any inconvenience you may have experienced when you applied the Macy's account and the reporting of the account to the credit reporting agencies.Our records show we opened a Macy's account for you on August 30, 2015, when you applied at our storeOur decision to extend credit to you was based on the income and housing expenses you provide at the time of application, as well as information obtained from the credit reporting agenciesWe show a purchase of $46,was made on that day which was reflected on the monthly statement for the billing period ending September 15, A minimum payment of $was due by October 12, Monthly statements were mailed to the billing address we had on file of *** *** *** *** *** ** ***Although, we received payment of $on December 9, 2015, a minimum payment of $was required by December 12, On January 13, 2016, we agreed to credit your account a late fee of $38.00, leaving a total balance of Sdue by February 12, Unfortunately, we did not receive any further payments; therefore, your account continued to be charged monthly late fees and interest chargesThe account charged off on August 26, 2016, with an outstanding balance of $Enclosed are copies of the monthly statements for the billing periods from September 15, 2015, to June 15, 2016, for your review.We understand that you are attempting to improve your credit report by requesting that we modify the payment history associated with your Macy's accountIt is not the Bank's policy to remove any delinquency from your credit report, unless it occurred as a result of a billing errorWe hope you understand that we have an obligation to accurately report all activity, either favorable or unfavorable, to the credit reporting agenciesAfter researching the delinquency on your account, we determined the information to be correctWe did not receive the required monthly payments for the purchase made on your accountWe are unable to comply with your request to remove the remaining balance from your account and the delinquency from your credit report.*** ***, I hope that you can understand our position on this matterAs requested, we are no longer actively pursuing collections on your accountHowever, the account will continue to appear as an unpaid charge-off on your credit report. Thank you for bringing this matter to our attention and allowing me the opportunity to respond.Sincerely,Diane M*** *** *** *** *** 32030Enclosurescc: *** *** ***The Revdex.com*** ***

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. I really appreciated the company's response and am satisfied with it. My apologies for not knowing I needed to make that known. If I can make a note of that somewhere I'd be happy to do so.Sincerely,*** ***

September 19, 2016** *** *** *** *** *** *** ** *** Re: Revdex.com Complaint ID #*** Macy’s Gift Cards ending in ***, ***, ***, ***, ***, and ***Dear ** ***: I am in receipt of your reply regarding Macy’s response letter to your Revdex.com complaintAs a representative of Macy’s Executive Office, I was asked to review and respond to your continued concernsI am sorry that you feel our letter dated August 31, 2016, did not adequately explain our decision.Upon further review, I confirmed with our Consumer Protection Department that the six Macy’s Gift Cards used online at macys.com in September 2015, have a security hold on them due to suspicious order activitySince these gift cards have been identified with a high risk pattern, our position has not changed and I must respectfully decline your request to reissue these gift cardsHowever, if you are able to provide the documentation as we requested, we are happy to replace the gift cardsThank you for the opportunity to respond to your objectionsAlthough we would like to reply favorably to every customer, it is not always feasibleWe apply our credit policies uniformly to all of our customers and cannot make an exception in this matterPlease contact me at the number below if you need assistance on another topicSincerely,Alison G.Macy's Executive Office###-###-#### Extension ***cc: *** *** ***, Revdex.com

Dear *** ***, We are in receipt of Revdex.com Complaint #*** We have spoken to our customer, *** ***, and have resolved all matter as expressed in the complaint.Based on this, we consider the matter closed satisfactorily. Thank you, Beverly P.| Omnichannel Presidential
ExecutiveOmnichannel Selling and Service Escalation Team | MCCS Executive OfficePhone: ###-###-#### EXT: ***| Email: ***

Revdex.com:
I have checked my account and to be honest So much has been done to this account I don't know where to began to figure it out.
So, based on the fact that something was done to result in a lowered balance I am going say this will be acceptable. I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me. Regards, *** ***

Dear *** ***: I am addressing this issue on behalf of Macy's Executive OfficeThank you for your courtesy when we spoke. Please accept my sincere apology for any inconvenience you experienced when your order was cancelled and funds not processed back to your original form of
payment. You will be receiving a $Macy's gift cardThis will come in a plain white envelope. As 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.Liaison, Omnichannel Executive Office | Macy's, IncDUKE BLVD | MASON, OH 45040Office: ###-###-#### Fax: ###-###-####

February 15, 2017Dear *** ***:I am writing in regards to complaint ID ***I will be contacting our customer to offer anaccommodation adjustment off the purchase price of the mattressOur technicians did not find the mattressto have any manufactures defects at this timeWe will not be
approving a return.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
As stated previously, I did NOT see anything on the website when I made my payment that stated it was electronic bills, or else I would have unchecked itTherefore, this is an error in which I am disputingIt does NOT matter to me how many times you state that I chose electronic bills, because it does NOT make that a fact/true statement. I also sent you a payment that was not returned and therefore I thought that I received no bills because this bill had been payed in fullAs stated before, I don't do electronic bills for the simple fact that I need the reminder as a veteran with memory issues since returning from the military in Whether this memory issue is due to exposures from the war or from the head injury I sustained in an attack from another soldier in my unit is unclear, but the fact remains that I rely on the paper statements through the mail because of that and the fact that my email registers too many emails daily and therefore things are missedSee, I know where I have issues and I have set things in place like paper bills in order to avoid issues such as this that as you stated, is ruining my credit. Had I known that you did not receive my payment, I would have paid it prior to accumulating months of of chargesBut I did not receive any notification and as I stated, I must have missed all the emails sent to my email due to the flood of emails I get a day, which let me reiterate, that is why I DO NOT do electronic billsI stated that I have no problem paying off what I owed ($302.+) however, I do NOT believe that this was handled correctly and it violated my rights as a consumerI should not be forced in to electronic billsI do not think that everyone should have paper either, but I think it should be a right to chooseI did not see an option and therefore had no idea this was happeningAlso as previously stated, as soon as I know that there was a problem, I did the right thing and I contacted the collection agencyWhen the collection agency told me to ask you guys, I then called card servicesYet card services was rude and treated me like a deadbeatThat is unacceptable as I am the customer and I was just trying to get some questions answered on how this could happenAfter a month of that, I contacted Revdex.com for assistanceYou and I have now been going round and round for months on this and every time I bring new evidence to the table, you either repeat the same thing with no evidence or you lie about something like my phone number being changed and then you state you are not obligated to call so it is irrelevant that my number has NEVER changedBut it seems to only be irrelevant because you were caught in a lie and I can prove it! I, unlike yourself am a reasonable person, so I stated that I would pay in full what I owe at time my bills disappeared and asked that you fix my credit reportNot because of my negligence, but because of yoursYou refuse to make any compromise and I refuse to be screwed! As stated before, you have ruined my credit and therefore that is more valuable than the money I owe you so I am calling it evenI am done fightingI called you several times to discuss this like adults and I only was able o speak to you once, left several voice mails that went unreturnedAnd during our phone conversation you made untrue allegations in which I called you out on and continued to lie until you aggravated my PTSD and I lost it at that timeI even asked to speak to someone else in which you stated that you were it, and therefore I feel sorry for the company!You have completely destroyed my image of Macy's and their quality of service and I will NEVER shop there againI have also shared my story on FB with my friends and familyI have filed another report with the Attorney General as I have received much feedback on many other cases just like this, so this scam is not new! My next step is the news. I am requesting all communication from you to me only be through BB or the Attorney General from this day forward as I now feel like your letters to my house are harassment! You refused to send statements when they were needed, but have no issue sending and these letters that you send through here nowHad you just sent the statements before, this wouldn't even be an issueYou are dispensing more time and energy than this entire thing is worth because you refuse to admit that you were wrong, and let me assure you that you were/are!
Regards,
*** ***

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,
*** * ***

April 4, 20|7*** *** ** *** *** *** *** *** ** *** Re: Better Business Complaint ID ***Macy's Account Ending in ***Dear *** ***:I am in receipt of your complaint forwarded to us by the Revdex.comAs a liaison in Macy's Executive OfficeI was asked to
review and respond to your uncerns on behalf of Department Stores National Bank (DSNB),Please accept my sincere apology for any confusion regarding the above-referenced Macy's accountYour Macy's account is issued by DSNB, a division of ***Our records do not show a payment for the balance was made on your accountIf you have proof of payment(s) made to *** *** *** toward the above referenced Macy's accountplease forward it to my attention at the address shown above, and I will be glad to investigate further.As of the date of this letter, the information below is currently reporting for this account.Open Date: April 4, Last Purchase Date: July 2, last Payment Date: November Charge-off Date: July 6, Baulance: S47.44A voluntary payment may be sent to my attention at the address aboveOnce the payment is received, the credit reporting will be updated to show the account as a paid in full charge-off.Thank you for bringing this matter to our attention and giving me the opportunity to respondIf I may be of additional assistance, please do Inol hesitate lo contact me. Sincerely, Nancy M.Macy's Executive Office I-###-###-#### Extension ***cc: *** *** ***The Revdex.comThe Macy's card is issued by Department Stores National Bank

February 12,
*** *** ***
,
re: Revdex.com
Complaint ID: # ***
Dear
*** ***:
On
behalf of Macy's Executive Office, please accept my apology that you have
additional concerns regarding this issue
Upon
your request, a Macy's gift card is being sent for $This will be in a
plain envelope and delivery should be within daysThank you for allowing me
to resolve the issue for you
If I
can be of further assistance, please do not hesitate to contact me at the
number listed below
Sincerely,
Marjorie B
Macy's Executive Office
###-###-#### Extension ***cc: ** *** ***, Cincinnati Revdex.com

August 31, 2017*** *** ** *** *** *** ** ***Re: Revdex.com Complaint ID #*** (merged into 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 I apologize for any inconvenience you may have experienced in regards to the reporting of your Macy’s *** *** account. As noted in my letter dated May 8, 2017, (copy enclosed) we did request that the credit reporting agencies remove any delinquencies reported related to this matter In light of the information in this complaint, I requested a copy of our reporting for ***, ***, and *** for review and found that the account was in fact reporting as thirty (30) days late during the time of the fraudulent activity. On August 29, 2017, our Fraud Department updated the reporting status for all three credit reporting agencies and requested the removal of the thirty (30) day delinquency from your credit report Please allow the credit reporting agencies thirty (30) days to update their records. *** ***, thank you for bringing this to our attention and giving me the opportunity to respond Please accept my personal apology that this was not corrected as we had requested in May If I may be of additional assistance, please contact me at the number listed below.Sincerely,Janice D.***Macy's Executive Office###-###-#### Extension ***Enclosurecc: *** ***, Revdex.com

its a gift card, they took it when I cashed it out

P.OBox 52184 Phoenix, AZ 85072- January 3, *** *** *** *** ** *** *** *** ** *** Re: Revdex.com Complaint ID *** Dear *** ***: I am in receipt of your additional comments filed with the Revdex.com, and forwarded to Macy’s Executive Office. As I am familiar with this matter, I was asked to respond to your additional concerns As previously explained to you in our prior response letters, the scanning of your driver’s license at the register is part of our security measures, which allows the associate to confirm the appropriate party is picking up the order. I understand that you disagree with this policy, and I can assure you that your feedback has been forwarded to the appropriate parties for consideration Thank you for your suggestion that a customer be advised prior to the swiping of a driver’s license during such transactions. We are constantly evaluating our operations and your feedback is important as it allows us to learn of areas in which we can improve *** ***, we are sorry that this matter has continued to cause frustration. Although our position may differ from your own, please understand that we have this policy in place to protect our customers. Please be advised that Macy’s considers this matter closed and will no longer respond to future inquiries related to it. If I may be of assistance on another matter, please do not hesitate to contact me at the telephone number listed below Sincerely, Stephen CMacy's Executive Office ###-###-#### Extension *** cc: *** ***, 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 I contacted Macy's as suggested and it was determined that although I have the ability to repay, closing the account adversely affected my credit score and the account cannot be reopened
Regards,
*** ***

*** *** *** *** ** *** October 20, *** *** *** ** *** *** *** ** *** 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 concerns. I had hoped to speak with you personally regarding this matter; however, I was unsuccessful reaching you. Fortunately, I was able to send you an email on October 9, 2016, and left a voicemail for you on October 12, 2016, and I welcome the opportunity to speak with you At Macy’s we want our customers to feel valued, and the Macy’s Money Promotions are a fairly new way we are trying to convey this message. We strive to roll-out new online promotions without technical complications; so it’s certainly disappointing to learn that you experienced the opposite on October 2, 2016, when you attempted to place a macys.com order with $in Macy’s MoneyAdditionally, I understand that you received a confusing response when you emailed Customer Service about this matter; and for this, I apologize I had the opportunity to speak with a macys.com Customer Service Supervisor about your interaction with Customer Service, who informed me that although your Revdex.com complaint was accurate in stating you received a conflicting email message from macys.com Customer Service; our Customer Service team was successful in addressing and resolving your concerns later in the day, on October 7, 2016. She explained, as a one-time-courtesy, we replaced your $in Macy’s Money with a $Electronic Gift Card to resolve this issue. Our records indicate the $replacement Gift Card was sent to you by way of a macys.com order to the address referenced above, with the macys.com order number, ***. Please expect this Gift Card to arrive on or before October 20, Once again, I apologize for the confusing message you received from macys.com Customer Service; however, I am pleased we were able to eventually provide an amicable resolution. To ensure this unfortunate situation is used as an opportunity for Customer Service training and development, I have forwarded your complaint and this letter to the appropriate Customer Service Managers for further review Thank you for bringing this matter to our attention and allowing me the opportunity to respond to your concerns. We value your feedback and continued loyalty, and hope you allow us the chance to serve you again in the future. If I may be of further assistance to you, please contact me directly at the telephone number listed below Sincerely, Stephen CMacy's Executive Office ###-###-#### Extension *** cc: *** *** ***, Revdex.com Macys.com Customer Service Management

December 30, *** *** *** *** *** *** *** *** ** *** Re: Revdex.com Complaint ID #*** Macy’s store account ending in *** Dear *** ***: I am in receipt of the
complaint you filed with the Revdex.com, which was forwarded to Macy’s Executive Office. As a representative 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 inconvenience this matter may have caused you In researching this matter, our records confirm that the payment you submitted in the amount of $on December 9, 2016, was returned unpaid from your banking institution on December 9, 2016. The system automatically charges a $return check charge when payments are returned; however, the credit for this charge was processed the same day and is printed on your billing statement ending December 16, 2016. In addition, a $late fee was charged on December 9, 2016, and $of this fee was credited on December 17, 2016. I have removed the additional $on December 20, 2016. Please note that all fees were removed as a courtesy. As of the date of this letter, your account has a credit balance of $which can be used toward a future purchase. If you prefer a refund, please call our Customer Service Department at ###-###-#### and a representative will be happy to assist you *** ***, thank you for bringing this matter to our attention and giving me the opportunity to respond. If I may be of additional assistance, please do not hesitate to contact me Sincerely, Monique MMacy’s Executive Office ###-###-#### Extension *** cc: *** ***, Revdex.com

P.OBox Mason, OH 45040RE: Revdex.com Complaint ID* ***Dear *** ***: I am in receipt of your complaint filed with the Revdex.com (Revdex.com), concerning your above referenced Macy's accountAs a representative of Macy's Executive Office, I was
asked to review and respond on behalf of Department Stores National Bank (DSNB)I am sorry to learn you continue to have concerns regarding the reporting of your account to the credit reporting agenciesOur records indicate that we have responded to your concerns recently on April 10, 2018, and in our response dated April 18, 2018, (copies enclosed).We understand that you are attempting to improve your credit report by requesting that we modify the payment history associated with your Macy's accountIn applying for this Macy's account and making purchases and payments, you consented to be bound by the terms of the DSNB Card AgreementAs explained in the letter dated April 10, 2018, the delinquency related to your account was not a result of a billing or bank errorWe are required to report accurate account history and payment performance to the credit reporting agenciesWe have reviewed your concerns once more and our decision has not changed regarding this matterBased on the information outlined in the response letter you received, we are unable to accommodate your request to remove the delinquencies related to this issueAs of the date of this letter, your account is closed with a zero ($0.00) balanceI hope that you can understand our position on this matter, although it may differ from your ownWe must be fair and consistent to all customersIf I may be of any further assistance, please feel free to contact me at the telephone belowSincerely,Macy's Executive Office#-###-###-#### Extension Enclosurescc: *** ***, Revdex.com

July 22, 2016 *** *** *** *** *** *** ** *** Re: Revdex.com Complaint ID *** Macy’s account ending in *** Dear *** ***: We are in receipt of your complaints mailed to
Macy’s Executive Offices and filed with the Revdex.com. As a liaison in Macy’s Executive Office, I was asked to review and respond to your inquiries on behalf of Department Stores National Bank. Please accept my apology for any concern this situation regarding your account may have causedWhile I would have liked to speak with you personally about this matter, I was unable to reach you. My research confirmed that your new card and the monthly billing statements were being sent to the physical address you provided on your credit application, *** *** *** ***, *** ** ***. However, they were returned to us by the post office as undeliverable. Your have since provided us the correct mailing address, as shown above. As a courtesy to you, we have removed all interest charges and late fees. These adjustments, along with your payment of $78.60, brought your account to a zero ($0.00) balance. In addition, we have removed the delinquent payment history associated with this situation from our files and directed the credit bureaus to update their records as well. Please allow the bureaus thirty (30) days to make the necessary changes. This letter will also confirm that your account was closed on May 8, 2016. *** ***, we appreciate this opportunity to respond. If you need assistance on another matter, feel free to call me at the telephone number noted below. Sincerely, Michael J.Macy’s Executive Office###-###-#### Extension *** cc: *** ***, Revdex.com