Macy's

September 19, [redacted] *** Re: Revdex.com Complaint ID # [redacted] Macy’s store account ending in *** Dear [redacted] ***: 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 or frustration this matter may have caused youIn reviewing your account, the notes confirm that you are currently opted-out for all affiliates and non-affiliates in marketing to you or sharing your information I apologize for the delay in handling your request and for the inconvenience of having to call the Customer Service department in order to have your marketing preferences updated Please be assured that our Executive Leadership Team reviews all inquiries through a monthly report that is compiled by this department I assure you that every letter that comes to our office is reviewed and all suggestions are taken into consideration [redacted] ***, 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 meSincerely, Monique M.Macy’s Executive Office###-###-#### Extension *** cc: [redacted] ***, Revdex.com

October 13, [redacted] Re: Revdex.com ID [redacted] Macy’s [redacted] account ending in [redacted] Dear [redacted] : I am in receipt of the complaint you filed with the Revdex.com and forwarded to Macy’s Executive Office As a representative of 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 Due to a recent scheduled credit system update for the Macy’s credit card accounts and redesign of our macys.com website, customers were unable to access account information through macys.com during this update We truly regret any frustration this may have caused you, and I personally apologize for the level of service you received when speaking with a Customer Service representative In reviewing your account history, I found that on September 23, 2015, your account information could not be successfully added to your profile because the name entered did not match what is printed on your new [redacted] credit card In addition, the card’s security code was incorrectly entered Kindly note, that a new Macy’s [redacted] card was issued to you on September 29, 2015, which you should receive within seven (7) to ten (10) business days under separate cover To successfully add your account to online servicing, you will need to enter the name as it is printed on your new card, and use the security code that is listed on the front of the Macy’s [redacted] card located on the upper right hand side of the card If you continue to experience difficulties accessing your account online, please contact our Technical Assistance Team directly at ###-###-####, option 6, and a representative will be happy to assist you Thank you for bringing this matter to our attention and allowing me an opportunity to respond 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, Carye C Macy’s Executive Office ###-###-#### Extension [redacted] cc: [redacted] ***, Better Business Bureau [redacted] is a federally registered service mark of [redacted] and is used by Department Stores National Bank pursuant to a license The Macy’s [redacted] Card program is issued and administered by Department Stores National Bank

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint Regards, [redacted] I want the mattress cleaned, and/or replaced Thanks

August 14, [redacted] *** Dear [redacted] ***: I am in receipt of your complaint ID [redacted] forwarded to us by the Revdex.comAs a representative of Macy's Executive Office, I was asked to review and respond to your concernsOn behalf of Macy's, please accept my apology for any inconvenience you experienced due to not receiving your credit for returned items back on your original form of paymentI have processed the credits to go back on your [redacted] accountYou should see those credits within business daysBased on the above, Macy's considers this matter closed and resolvedSincerely, Colette O.Macy's Executive Office###-###-#### Extension ***

The consumer, [redacted] , called to let you know that she spoke with Macy's and the issue has been resolved

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint This is quite possibly the worst customer service I have ever receivedPrior to filing a complaint with the Revdex.com I spoke with customer service, and they were not able to resolve the issue (I was forwarded to two different representatives/different departments)Their inability to resolve the problem is was prompted me to contact the Revdex.com in the first place I do not have access to my account online and I received statements in the mail (not via e-mail as requested)This problem should have been resolved when I initially filed the complaint Regards, [redacted]

June 13, [redacted] ***Cincinnati Revdex.comEFourth StreetSuite 600Cincinnati, OH Revdex.com Case No [redacted] Dear [redacted] ***: I am in receipt of [redacted] As a representative of Macy's Executive Office, I was asked to review and respond to her concernsUpon speaking with [redacted] , she explained that all she wanted was the difference she paid for the shoes I apologized and processed a credit for the difference of the online price and the price tag on the shoes she received For her inconvenience, I sent a $gift card [redacted] was satisfied with the resolutionWe apologize for any inconveniences experienced by [redacted] and we consider this complaint closedSincerely, Lori L.Macy's Executive Office###-###-#### Ext ***

YA HOOOOO! Thank You, you did it! The check came in the mail from Macy's on Saturday!:-) I appreciate your hard work to make this happen.Sincerely, [redacted]

April 12, [redacted] Re: Revdex.com Complaint # [redacted] Dear [redacted] : I am in receipt of your Revdex.com Complaint, which was forwarded to Macy’s Executive Office As a liaison of this office, I was asked to review and respond to your concerns I apologize for any inconvenience this matter may have caused you Please be assured that Macy's does not participate in dishonest or deceptive business practices of any kind We have policies and procedures in place to ensure that we are in compliance with all applicable laws There was never any intention to be dishonest as you stated in your complaint I regret hearing that you were not satisfied with the television provided as a gift with purchase from our “Macy’s Winter Bonus Gift” promotional event However, I was pleased to hear per our email correspondence on April 6, 2017, that you have been given the alternative gift with purchase option of a $gift card, from our [redacted] store location [redacted] , I would like to thank you for bringing this matter to our attention and providing me the opportunity to respond If I may be of further assistance in the future please feel free to contact me at the telephone number listed below Sincerely, Tyeisha BMacy’s Executive Office ###-###-#### Extension [redacted] cc: [redacted] ***, Revdex.com

They are not telling everything first off steve said not and he did not say they was charging us more the rentalNow how can you tell someone one thing and do anotherYes when they said it was more from using the car I did contact roadside but the guy I was dealing with said the price and hit me for more because my warranty wouldn't cover itThe guy said there not eating itI said but you told me a price and he said what ever buddyNow is that good business lying to people.Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, [redacted]

October 4, [redacted] ***, I am addressing this issue on behalf of Macy's Executive OfficeThank you for your courtesy when we spokePlease accept my sincere apology for any inconvenience you experienced being charged for the beauty box subscriptionWe have successfully cancelled the subscription and you will no longer be charged for itYou 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 [redacted] ***, 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 belowDakota B.Liaison, Omnichannel Executive Office | Macy's, IncDUKE BLVD | MASON, OH 45040Office: ###-###-#### Fax: ###-###-####

December 13, [redacted] ***Re: Macy's Account Ending in *** Complaint ID [redacted] Dear [redacted] : I am in receipt of your additional concerns 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 regret any continued frustration you may be experiencing regarding the above-referenced Macy's account In my letter dated October 14, 2016, I addressed the purchases, payments and balances on your account from the time it was opened until it charged off on September 29, We show a $payment was received on February 15, Your account has been assigned to [redacted] , an external collection agency You may contact [redacted] directly at ###-###-#### Sincerely, [redacted] M.Macy's Executive Office###-###-#### Extension ***cc: [redacted] *** The Revdex.com [redacted]

[redacted] *** [redacted] January 14, [redacted] *** [redacted] ** [redacted] *** Re: Revdex.com complaint ID [redacted] Macy’s store account ending in *** Dear [redacted] ***: We are in receipt of your complaint filed with the Revdex.com and forwarded to Macy's Executive Office, where as a liaison, I was asked to review and respond to your inquiry on behalf of Department Stores National Bank I had hoped to discuss this matter with you personally, but unfortunately, I was unable to reach you Please accept my apology for any concern this situation may have caused I was pleased to learn that on January 13, 2016, you spoke with MsTeresa M., a liaison in our macys.com Executive Offices She confirmed that she has processed a request to mail directly to you a check for the value of the gift card, $104.80, rather than apply it as a credit to your closed Macy’s account Please allow to business days to receive it [redacted] ***, thank you for bringing this matter to our attention and giving me the opportunity to respond If I may be of additional assistance, feel free to call me at the telephone number listed below Sincerely, Michael J Macy's Executive Office ###-###-#### Extension *** cc: [redacted] ***, Revdex.com

This is the response from our customer yesterday after I tried to contactWe are closing this issue and consider it to be resolvedThank you Sincerely, Tara B.| Omnichannel Presidential CorrespondentOmnichannel Selling and Service Escalation Team | MCCS Executive OfficePhone: ###-###-#### | Fax: ###-###-#### | Email: [redacted] From: [redacted] [mailto: [redacted] ] Sent: Wednesday, March 15, 5:PMTo: Tara B.Subject: Re: Your Macys Revdex.com ComplaintHi Tara, At this point, I'm okay if you just close the complaintThank you, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint Macy’s credit card send massage that they will return $and close account but I didn’t receive any response after that.I am still waiting for there further response [redacted]

Dear [redacted] ***, We are in receipt of Revdex.com Complaint ID [redacted] We have spoken to [redacted] and have resolved all matters as expressed in the complaint Based on this, we consider the matter closed satisfactorily Sincerely, Julie R.Liaison, Omnichannel Executive Office | Macy's, IncDuke Blvd| Mason, OH 45040Office: ###-###-#### Fax: ###-###-####

January 11, [redacted] , [redacted] Re: Revdex.com Complaint ID # [redacted] Macy’s store account ending in [redacted] (closed) Dear [redacted] : I am in receipt of the complaint filed with the Revdex.com as well as your letter addressed to [redacted] , Chairman and CEO of Macy's, IncAs a representative of Macy’s Executive Office, I was asked to review and respond to your concerns on behalf of Department Stores National Bank In researching this matter, our records confirm that for the billing statement ending May 24, 2016, the balance was $with a minimum payment of $due by June 20, We received a payment of $on May 27, For the billing statement ending June 23, 2016, a payment of $was due by July 20, When no payment was received, a $interest charge was added, bringing your balance due for the statement ending July 24, 2016, to $ Late fees started to accrue in August and continued monthly, along with interest charges, until we received your payment of $on November 1, As a courtesy, $in late fees were removed, bringing your account to a zero ($0.00) balance According to the Department Stores National Bank Credit Card Agreement, a late fee is added for each billing cycle you fail to pay the Minimum Payment Due by the payment due date The fee will be $27.00; or $for any additional past due payment during the next six billing cycles after a past due payment occurred Interest is charged each month the account carries a balance The minimum interest charge is $ My review of this matter found that all interest and late fees were correctly charged to your account in accordance with the Credit Card Agreement Further research confirms that electronic billing statements were sent to the email address provided of [redacted] [redacted] Email alerts are sent to inform a customer when an available statement is available to view To view the statement, you must click the link enclosed in the email which will direct you to view your billing statement I confirmed that the e-mail billing alerts were successfully delivered to your email address and emails were opened on the following dates: · June 27, · July 27, · August 27, · September 27, · October 28, · November 26, According to the terms of the Department Stores National Bank Credit Card Agreement, you agree to notify us promptly in writing if you move Until we receive written notice of your new address, we will continue to send statements and other notices to the address in our records This also includes updating your e-mail address and phone number when it changesIt is not the Bank's policy to remove any delinquency from a credit report, unless it occurred as a result of a bank error As a credit provider, we have an obligation to accurately report activity, whether favorable or unfavorable, to the credit reporting agencies Since the information we are reporting is accurate, we are unable to remove the delinquency from your credit report as you requested However, on November 16, 2016, we instructed the credit reporting agencies to update their records and report your account as "customer disputes reporting" [redacted] , although we would like to reply favorably to every customer, it is not always feasible We apply our credit policies uniformly to all of our customers and cannot make an exception in this matter Please contact me at the number below if you need assistance on another topic Sincerely, Monique MMacy’s Executive Office ###-###-#### Extension [redacted] cc: [redacted] ***, Revdex.com

December 14, [redacted] ** [redacted] Re: Revdex.com Complaint ID # [redacted] Macy’s store account ending in [redacted] (closed) Dear [redacted] : We are 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 on behalf of Department Stores National Bank (DSNB) Please accept my apology for any inconvenience you may have encountered regarding this situation According to the terms of the enclosed DSNB Credit Card Agreement, if the minimum amount due is not received by the payment due date as shown on your monthly statement, a late fee and interest charge are applied to your account If you have been paying less than the Total Now Due on your Revolving account balance each month and you then decide to pay your balance in full, you will be charged interest charges on that balance from the first day of the billing cycle until the date that your payment is receivedThe minimum interest charge is $ Applying this billing policy to your Macy’s account referenced above, for the billing period ending on July 9, 2017, your Macy’s account had a balance of $35.40, with a minimum payment of $due by August 5, When no payment was received by your payment due date on August 5, 2017, a $late fee and a $interest charge were applied, resulting in a balance of $64.40, with a minimum payment of $due by September 5, When no payment was received by September 5, 2017, a $late fee and a $interest charge were applied For the period ending on September 8, 2017, your account had a balance of $104.40, with a minimum payment of $due by October 5, We received your $payment on September 11, 2017, and your $payment on October 5, 2017, bringing your account to a zero ($0.00) balance The $interest charge on your October 9, 2017, statement was for interest charged on your account balance between the last bill date of September 8, 2017, and the date (September 11, 2017, and October 5, 2017) that your $and $payments were applied to your account On October 18, 2017, your account was closed at your request; however, the $interest charge had already been applied in accordance with the DSNB Credit Card Agreement for the period ending on October 9, When no payment was received by November 5, 2017, the $minimum interest charge continued to appear on your billing statement for the period ending on November 8, 2017, and was due by December 5, Our records indicate that when you called on December 5, 2017, we removed the $interest charge as a courtesy to you resulting in a zero ($0.00) balance on the account Had you paid the $interest charge and not made any new purchases, you would have had a zero ($0.00) balance the next month and would not have been charged interest on the interest charge With regard to your request to update your credit report, it is our policy not to remove any delinquency from your credit file, unless it occurred as a result of a bank error 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 After researching the delinquency on your account, we found that the information is correct Our records indicate we did not receive payments on the account by your payment due dates on August 5, 2017, and September 5, Unfortunately, we are unable to accommodate your request to remove the delinquency from your credit bureau report [redacted] , please understand that we are always happy to satisfy our customers in any way possible, however, in order for all of our customers to receive fair and consistent treatment nationwide, we must adhere to specific policies and procedures in our credit practices If you have any further questions, do not hesitate to call me Sincerely, Alison GMacy’s Executive Office ###-###-#### Extension [redacted] Enclosure / mailed December 14, cc: [redacted] ***, Revdex.com

Dear [redacted] ***, We are in receipt of Revdex.com Complaint # [redacted] After numerous attempts by phone and email, we have not had any contact with the referenced customerWe have reviewed the complaint and have taken the following actions to resolve concerns as expressedThe customer’s account was not billed for any interest charges or late fees Based on this, we consider the matter closed satisfactorilyThank youThanks Jan B| Omnichannel Presidential CorrespondentOmnichannel Selling and Service Escalation Team | MCCS Executive OfficePhone: ###-###-#### | Email: [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] I do not feel their explanation for the $charge is satisfactory because I always paid my account in full, so there should be no charge, but the account is no longer affecting my credit negatively so I will accept their response Regards, [redacted] ***