Macy's

Hello Revdex.com - thank you for whatever you did for me re my complaint about Macys - its has almost been resolved - so please accept my complete and utter thank you for your help - I know Macys was doing something to escalate fixing their error due to you.So Revdex.com can close my case,Many thanks ***
***

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.
Just want to make sure the adjustment is made before accepting business response.Regards,*** ***

January 30, 2018*** *** ** *** *** *** *** *** ** ***Re: Revdex.com, Complaint ID *** Macy’s 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 liaison in this office, I was asked to review and respond to your concerns on behalf of Department Stores National Bank (DSNB), the issuer of your Macy’s Card. In reviewing our records, I found that you opened your Macy’s account on June 30, 2017. On your application you provided your address on Iowa Avenue, which is where we mailed your Macy’s card and your monthly billing statements through the United States Postal Service. I found no record of returned mail, which suggests your statements were delivered successfully. Your billing statements are mailed at least twenty (25) days prior to your due date each month. If you are not receiving your statements, please contact your local post office to report an issue with your local carrier. Also, you may wish to enroll in an automatic payment plan for your Macy’s accountPlease visit macys.com/credit to establish a macys.com profile. Once your card is registered you may complete this enrollment and also set up payment reminders and alerts for your Macy’s account such as electronic statement notifications. This may be another option for you to receive your billing statements. I regret you are displeased with the late fee you were charged and the Annual Percentage Rate (APR) for your Macy’s card. Per the DSNB Agreement, we may charge a late fee for each billing cycle in which we have not received the minimum payment due by the payment due dateThe fee will be up to $for the first instance; or $for any additional past due payment during the next six billing cycles after a missed paymenthowever, the fee will not exceed the amount permitted by law. Currently, the Annual Percentage Rate for regular purchases on your account is 21.99% plus the Prime Rate as published in *** *** *** *** two business days before your statement closing date. Effective on December 14, 2017, the Prime Rate listed in *** *** *** *** *as been 4.50%, which means your APR is 26.49%. If the Prime Rate increases, it will cause the APR to increaseIf the Prime Rate decreases, it will cause the APR to decrease. You can avoid interest charges by paying the “New Balance” in full by your payment due date each month.Our records show that we did not receive the minimum payment required by your due date of August 1, 2017, September 1, 2017, and January 1, 2018. We understand late payments occur and strive to be flexible with our customers in these instances. We previously refunded the late fees charged for the missed payments in August and September which is why we were unable to remove the late fee charged for your missed payment in January. Please understand that we are unable to refund any late fees going forward. *** ***, be assured that the Bank does not engage in unethical or illegal practicesWe comply with all applicable federal and local regulations with regard to our credit servicing policies. By using this account you agreed to the terms of the DSNB Credit Card agreement, which includes a promise to pay for all purchases. Your Macy’s account has a balance of $159.18, with a payment of $(including a past due amount of $58.67) due by February 1, 2018. I encourage you to contact our Collections Department at ###-###-#### to make payment arrangements and avoid further delinquency and fees. Thank you for allowing me the opportunity to respond to your concernsIf I may be of further assistance to you, please feel free to contact me directly at the telephone number listed below. Sincerely, Stephen C.Macy's Executive Office###-###-#### Extension ***cc: *** *** ***, Revdex.com

May 19, 2017 *** ***, We are in receipt of complaint ID #*** regarding the customer whose claim was declined by worry no moreWe contacted the customer and confirmed that she had been approved for return / reselection by worry no more for her reclining sofaAt this
time, Macy's will consider this matter closed. Thank You, Sincerely,Macy's Executive Office

***, We are in receipt of Complaint ID #*** regarding the consumer's purchase. As an accommodation due to any miscommunication experienced at the time of service, we have submitted an adjustment for the WorryNoMore fee applied to the orderA credit totaling
$will post to the consumer's original form of payment within 10-business daysFor any additional questions or concerns, the consumer can contact Macy's directly. Thanks, Macy's Executive Office

July 27, 2017*** *** *** *** *** *** ***RE: *** *** *** ***Case # ***Revdex.com ID ***Macy's Account ending in *** (Charged Off)Dear *** ***:I am in receipt of your complaints filed with the ***
*** *** *** *** and The Beller Business Bureau (Revdex.com) and forwarded to Macy's Executive Office on July 18, As a liaison in this officeI was asked to review and respond to your concerns on behalf of Department Stores National Bank (DSNB or the Bank).Please be assured that the Bank does not participate in dishonest or deceptive business practices of any kindWe have policies and procedures in place to ensure that we are in compliance with applicable lawsWhile the FCRA requires the Bank to verify the accuracy of the information it is reporting to the credit reporting agencies, the FCRA does not require the Bank to provide the consumer with any documentation associated with that validation.The account referenced above was opened on March tand closed on May 26, 2013, by the creditorDepartment Stores National Bankdue to delinquencyOur records indicate that the last purchase date was August 23, and the last payment we received was on October 19, According to the DSNB Credit Card Agreementa late fee is added for each billing cycle you sail to pay the Minimum Payment Due by the payment due dateWe show that all nonthly statements were mailed to you at the address on the accountwhich is the same as the address on your CFPB and Revdex.com complaintsWe have no record of return mail to our offices by The United States Postal Service which suggests the billing statements were deliveredI have enclosed copies of all available statements and receipts for this account as validation,You state in your complaints that you disputed the above referenced account as inaccurate and that DSNB was never able to validate the debtMy research shows that you submitted a total of ten (()) letters regarding this issue: you were issued nine (9) response letters (copies enclosed) requesting additional information in order for us to investigate your concernsWe have no record of ever receiving the information that we requestedAdditionally, the letter that you sent on July 12, indicates that you were aware of the account and you further acknowledge that you failed to submit your monthly payment on time due to personal matters outlined in your letter.The above referenced account charged off on May 26, 2013, with an outstanding balance of $It is not he Bank's policy to remove any delinquency unless it occurred as a result of a bank errorAs a credit provider, we are obligated to report the account accurately to the credit reporting agencies, whether it is favorable or unfavorable to the customerTherefore we are unable to accommodate your request to remove the delinquencies from your credit reportHowever, on July 19,2017, we instructed the credit reporting agencies to update their records and report your account as "customer disputes reporting".Thank you for bringing this matter to our attention and giving me the opportunity to replyFeel free to contact me at the telephone number listed below if you have additional questions.Sincerely, Cory E.Macy's Executive Office###-###-#### Extension ***Enclosurescc: *** *** *** ***CC: *** *** *** The Revdex.com

*** *** *** *** ** ***October 10, 2016** *** *** *** *** *** *** ** *** Re: Revdex.com Complaint ID #*** Macy’s Gift Cards ending in *** *** *** *** *** and ***Dear ** ***: We are 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 September 19, 2016, did not adequately explain our decision.As stated previously, our Consumer Protection Department placed the six Macy’s gift cards used online in September 2015, on a security hold, due to purchasing patterns they have identified as high riskAdditionally, our research indicates these particular gift cards are issued from three different states, under circumstances that give additional cause for suspicionEven though you state these gift cards were given to you as gifts, we are unable to reissue these gift cards without proof of purchase, which includes receipt copies, as well as copies of the front and back of each gift card, as originally requested in our first letter dated August 31, If you are unable to provide the necessary documentation, I regret to inform you that our position will not change, and we must respectfully decline your request to reissue these gift cardsWhile I understand this is not the resolution you were seeking, we are required to adhere to certain laws and regulations so that our customers nationwide receive fair and consistent serviceWe look forward to receiving the necessary documentation in order to accommodate your requestFeel free to contact me in the future at the number below with any questions or concernsSincerely,Alison G.Macy'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 It has a Macy's return tag on it and you still refuse to assist not acceptable per your return policy! I expect you to take the watch back and give me my money back it caused an allergic reaction!
Regards,
*** ***

October 26, 2016 *
*** *** *** *** *** *** ** *** Re: Revdex.com Complaint ID #*** Macy’s account ending in *** 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 concerns on behalf of Department Stores National Bank. I apologize for any inconvenience this matter may have caused you Please be assured Macy’s offers a new account discount to individuals who apply for, and are approved for, a new Macy’s account. In that case, customers receive a 20% discount up to $off the purchases charged to the new Macy’s account the day it is opened and the next day Upon review, I found that you opened your account on September 17, 2016. The billing statement for the period ending September 28, 2016, shows you purchased a total of $1,and received $in new account discounts When a return in the amount of $was applied to your account on October 15, 2016, an error occurred and the new account discount was also debited in the amount of $100.00. On October 12, 2016, I requested the $credit for the new account discount be placed back on your account, which you will see on your next billing statement. *** ***, I appreciate you bringing this matter to our attention and giving me the opportunity to respond. Your business is important to us, as well as appreciated. Please do not hesitate to call me at the telephone number listed below if I may be of further assistance Sincerely, Tyeisha BMacy’s Executive Office ###-###-#### Extension *** cc: *** ***, Revdex.com

***, I am in receipt of complaint ID *** for *** ***We have spoken to the customer and explained that the items on shipments and had been returned back to usPer the customer, she told *** that she did not want them*** *** advised she has received emails requesting the items backWe assured her that the emails would stop and partnered with another department to ensure this was taken care ofAt this time, Macy’s considers this issue resolved. Jill B| Omnichannel Presidential-Store AdministratorOmnichannel Selling and Service Escalation Team | MCCS Executive Office

November 16,
*** ** ***
*** *** ***
*** *** ** ***
Re: Revdex.com complaint #***
Macy’s *** *** account ending
in ***
On behalf of
Department
Stores National Bank:
Contact Date(s) With Customer: November 11,
Complaint Summary: Customer contacted us to advise that she
received her statement for the period ending October 9, and noticed that
she missed her $payment due date of November 6, 2015. She received her card a few days ago and
called to activate it and make a phone payment and she was routed to
Collections. She was led to believe by
the associate that she needed to make a payment before the card could be
activated so she authorized an $payment.
Later that evening she attempted to use the card online and received an
error message of “invalid security code”.
After numerous calls, and transfers to various departments, she felt
like we intended to restrict the account until the funds for her payment were
released from her account.
Resolution: Upon
reading *** *** complaint, I recognized she was trying to use the three digits
from the back of her card instead of the four on the front for her online order. I called her to advise and address her
concerns. I apologized for the immediate
routing to collections and advised that the system automatically codes the
account if the minimum payment is not received by due date. I thanked her for advising us of the customer
service issues she encountered in trying to resolve her issues as we would use
them as training opportunities.
Janice D
Macy’s Executive Office
###-###-####
Extension
cc: *** ***, RevDex.com

*** *** *** *** ** ***
January 26,
*** *** ***
*** *** *** ***
***
*** ** ***
Re: Macy's Account ending in ***
Dear *** ***:
I am in receipt of your recent complaint filed with the Revdex.com regarding your Macy's account ending in ***. 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 regret you are dissatisfied with our previous response regarding your Macy's account. However, as of the date of this letter, the below information is currently reporting for this account.
Open Date: November 27,
Last Purchase Date: December 18,
Last Payment Date: September 19,
Charge-off Date: November 30,
Balance: $
Our records indicate that we did not receive the Minimum Payment due on the account for the periods ending February 26, 2014, through November 29, The account was closed on August 30, 2015, by the creditor, Department Stores National Bank, because payments were not received as required by the terms of the credit card agreement (copy enclosed). The account was charged off on November 30, 2015, due to non-payment and was assigned to an outside collection agency, *** *** ***, for the outstanding balance of $321.78. Please contact *** *** *** at ###-###-#### to establish payment arrangements or a potential settlement. I have enclosed copies of the billing statements for the periods ending December 26, 2014, through November 29, 2015, for your review.
*** ***, I hope that you can understand our position on this matter although it may differ from your own. Please do not hesitate to contact me at the telephone number below if you have additional questions or if I can be of further assistance
Sincerely,
Julia O
Macy's Executive Office
###-###-#### Extension ***
Enclosures
cc: Revdex.com
Complaint #***
*** *** ***
This is an attempt to collect a debt and any information obtained will be used for that purpose

Re: Complaint ID #***
Dear
*** ***:
I am
in receipt of *** *** complaint. As a
representative of Macy's Executive Office, I was asked to review and respond to
her concerns regarding the cancellation of order number ***, as well as
the feedback
provided concerning our consumer protection policies. I have spoken to *** *** and apologized for
the inconveniences of the delays as outlined in her complaintAs a result of
this discussion, credits in the amounts of $and $will post to her
American Express account ending in in the next three to five business
days. Based on the above, Macy's
considers this matter resolved and closed satisfactorily
Sincerely,
Tonie R
Macy's Executive Office
###-###-#### Extension ***

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. Carrie W.Macy’s Executive Office###-###-#### Extension ***Re: Revdex.com Complaint ID ***Dear Carrie W.,Thanks for your reply.Thanks for you to admit that I have returned merchandises but issued me a blocked and useless gift cardThat is a great deal for Macy’s to accept returned merchandises by issuing a ‘fake’ gift card.I can’t accept your way to block my store credit of EZ gift cardThe reasons are as follows:Payments was verified on April 11, for reservation ***, why these payments was not verified nowYou have not tell me which gift cards are not verifiedYou have not tell me how much was not verifiedIf the amount of not verified gift card is less than the amount of my blocked EZ gift card #***, why all amount of my blocked gift card is uselessWhy not difference?Why Macy’s blocked my EZ gift card without notifying me?I can show you that I have purchased Macys gift cards from ***, ***, *** and *** as an example due to privacyMacy’s gift card terms and conditions never say that you need receipt of gift cards before making payment, because gift card is a gift and could be get from private partyI know website such as *** and *** never require their customers to show gift card receipt when use it as payments.Could you please unblock my EZ gift card #***? At least you should not block the entire amount of this gift card.Thanks for your kind consideration.*** *** *** ** ***Cell phone: ###-###-####Address: *** *** *** ***, ** ***Email: ***

*** *** *** *** ** *** July 13, *** *** *** *** *** *** *** ** *** Re: Macy's Account Ending in *** Complaint ID *** 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 Please accept my personal apology for any additional inconvenience you may have experienced with the above referenced account. In my correspondence dated June 11, 2016, I explained that you could mail a payment to my attention at the address provided and that I would ensure your payment would be applied directly to the account. Your payment for $was received in this office on June 22, 2016, and was forwarded to our payment processing center. Your billing cycle closed on June 18, 2016, after your payment was mailed, therefore, a $late fee and a $interest charge was applied to the account. Please be advised these fees have been removed and your account balance is now zero ($0.00). I apologize for any inconvenience this may have caused *** ***, thank you for bringing this matter to our attention and giving me the opportunity to respond. If I can be of further assistance, please do not hesitate to contact me at the telephone number listed below Sincerely, Nancy MMacy's Executive Office ###-###-#### Extension *** cc: *** *** *** The Revdex.com The Macy's card is issued by Department Stores National Bank

Indeed, I did speak with *** on Monday 11/23/She was very apologetic on behalf of Macy's and said she would send a $Macy's gift card to me via U.SmailI have no complaints about *** M.'s response, however I do not consider this matter closed until I have actually received the gift cardAs of today, 11/30/15, I have not received it.Thank you

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 am NOT responsible for the charges on my account I have stated that I was living oversees for the last years I did not know what the charges are for and what location they made
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 played phone tag with Macy's I would prefer to receive an email, as I am in a job that does not allow me to answer phone calls during the business day, particularly as the Macy's rep is in a different time zone Macy's did nothing to address my concerns I had to pay to mail back the merchandise even though Macy's policy is free returns, and the store would not take it I did not learn of any change in policy or advertising to make sure this does not happen to another customer
Regards,
*** ***

February 08, 2018 *** *** ***Marketplace Resource ConsultantCincinnati Revdex.com Dear *** ***: I am in receipt of complaint ID: ***. The consumer's concern have been addressed through another channel with Macy'sBased on this information, Macy's
considers this matter closed and resolved. Sincerely, Steven A.Liaison, Omnichannel Executive Office | Macy's, IncDUKE BLVD | MASON, OH 45040Office: ###-###-####

July 17,
*** ***
*** *** *** *** ***
*** ** ***
Re: Revdex.com ID ***
Macy’s account ending in ***
Dear
*** ***:
I am in receipt of your additional complaint filed
with the Revdex.com and forwarded to Macy’s Executive Office. As a liaison in this office that is familiar
with this issue, I was asked to review and respond to your concerns on behalf
of Department Stores National Bank. I
would like to extend my personal apology for any frustration or inconvenience
this matter may have caused you.
I sincerely regret that our telephone conversation on
June 17, 2015, caused you further disappointment and that I appear to have
offended you, as that was certainly not my intent. I was hoping to explain that the notice you
had received concerning the upcoming changes to the Credit Card Agreement,
which governs your above referenced Macy’s account, was a notice that all
Macy’s credit customers received. Many
of our customers were notified of these changes via a message printed on their
billing statements. Other customers,
like you, received a letter announcing the change. Since your account is now closed, the described
changes in terms will not affect your closed account. Kindly note that your account was not force
closed as you state in your complaint, but was closed at your personal request
when we spoke on June 17,
As explained in our previous letter dated July 2,
2015, we have updated our records to discontinue the mailing of all fliers and
sale catalogues to you at the address listed above. In addition, I have confirmed that our
records are updated to discontinue advertisements to the email address of ***. 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 July 2,
2015.
*** ***, your business is important to us and we are
sorry to have disappointed you. We
regret your decision to close your account and hope that you will allow Macy’s
an opportunity to exceed your expectations in the future. If you have any questions, or if I can be of
assistance on another matter, please do not hesitate to contact me at the
telephone number listed below
Sincerely,
Rhea
B
Macy’s
Executive Office
###-###-####
Extension ***
cc: *** ***, Revdex.com