Macy's

Dear [redacted] ***, We are in receipt of Revdex.com Complaint # [redacted] We have spoken to the referenced customer and have resolved all matters as expressed in the complaintBased on this, we consider the matter closed satisfactorily Thank you, Michele S| Omnichannel Presidential CorrespondentOmnichannel Selling and Service Escalation Team | MCCS Executive Office Phone: ###-###-#### | Fax: ###-###-#### | Email: [redacted]

May 18, [redacted] ***Re: [redacted] - Case # [redacted] Revdex.com ID [redacted] Macy’s account ending in ***Dear [redacted] ***: I am in receipt of your complaints filed with the [redacted] and the Revdex.com which were 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) Macy’s goal is to have professional and knowledgeable Customer Service associates, so that all of our customers’ questions and needs are addressed and resolved efficiently From the comments in your complaints, it appears we may be falling short of that goal Therefore, I would like to thank you for the time you took to share this situation with us, as it directs our attention to areas in which we can improve our service quality.The terms of the Department Stores National Bank Credit Card Agreement state that if the minimum monthly payment is not received, late fees are applied to the account, and, for any month the balance-in-full is not paid, interest charges are assessed In using your account, you consented to the terms of this Agreement, which includes a promise to pay for all purchases, as well as the late fees and interest charges Our records indicate that the billing statement for the period ending September 23, 2015, had a $1,balance, with a $minimum payment due by October 20, When no payment was received by this due date, your account was charged a $late fee and a $interest charge in accordance with the terms of the DSNB Credit Card Agreement The billing statement for the period ending October 23, 2015, had a $1,balance with a $minimum payment (including a $past due amount) due by November 20, On October 24, 2015, one of our representatives removed a $late fee as a courtesy to you We received your $payment on November 3, 2015, which brought your account to a current status For the billing period ending November 23, 2015, the account was charged $in interest resulting in a $1,new balance with a $minimum payment due by December 20, When no payment was received by this due date, your account was charged a $late fee and a $interest charge resulting in a $1,new balance with a $minimum payment due by January 20, When no payments were received, your account continued to be charged late fees and interest, and was reported as past due to the credit reporting agencies On March 24, 2016, when you called in to make a $payment on the account, our representative removed a $late fee as a courtesy to you and brought your account current As of the date of this letter, the account balance is $872.61.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 customer It is our policy not to remove any delinquency from your credit report, unless it occurred as a result of a billing or bank error After researching the delinquency on your account, we found the information to be correct Our records indicate we did not receive payments on the account during October 2015, December 2015, January or February Regrettably, we are unable to accommodate your request to remove the delinquency from your credit report However, on April 21, 2016, we instructed the credit reporting agencies to update their records and report your account as “customer disputes reporting”' [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 contact me at the number listed below Sincerely,Janice D.Macy's Executive Office###-###-#### Extension ***cc: [redacted] [redacted] ***, Revdex.com

December 13, [redacted] ** [redacted] Re: Revdex.com Complaint ID # [redacted] 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 liaison in this office, I was asked to review and respond to your concerns I apologize for any inconvenience you may have experienced regarding your Macy’s store transaction, and for the time you have invested into getting this situation resolved When a charge is incorrectly processed and voided, you may see a pending authorization hold on your account Authorization hold is the practice within the banking industry of authorizing electronic transactions done with a debit card or credit card, and holding this amount as unavailable until the merchant clears the transaction, or the hold “falls off” In the case of debit cards, authorization holds can fall off the account anywhere from 1–business days after the transaction date, depending on the bank's policy; in the case of credit cards, holds may last as long as days, depending on the issuing bank After speaking with your banking institution, if they are able to confirm this charge is a pending authorization hold, the hold will “fall off” automatically within the time frame above If they confirm this is a valid charge that is being billed to you, the charge must be disputed with your banking institution Unfortunately, we are unable to process a dispute with a third party charge card, and would only be able to complete a void to the transaction if completed on the same day [redacted] , thank you for 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, Kristi CMacy’s Executive Office ###-###-#### Extension [redacted] cc: [redacted] ***, Revdex.com

Problem: I have been a loyal customer to Macy's [redacted] for over years with main problem being rude, disrespectful or erroneous responseI have called and emailed in regard to a problem occurring Aug My brother had just died young and horrifyingly due to brain cancerMy mother was found to being at Stage IV panctreatic cancer soon after and in the months from before June 2016, I was dealing with extreme emotional lossAt this time, my daughter had been volunteer teaching at the [redacted] in [redacted] My biggest fear was that the area had no hospitals as Lakotas use medicine menWell, I got the call that she was having trouble breathing, extreme ugh temp and other symptoms so serious that I knew I had to get her to a hospital ASAPSomehow, I actually remembered to bring my Macy's [redacted] billI mailed it on time but got home to discover a day late remark on all credit reportsI made at least phone calls explaining the deaths, and serious illness involvedI was treated horribly and basically they told me that no matter who dies, they would never remove that derognitve infoI was devastated by the cold, cruel and callous way I was spoken toI asked for a goodwill adjustment due to the harm it is doing to my credit and that I was never late in yearsI was told that Macy's [redacted] had no goodwillPossibly, mailing from the remote [redacted] could've caused s delayI truly have no late payments with anyone on my credit reportThe customer Reps did not remove erroneous negative information but at the same time assured me that the lives of my family was not at all important, definitely not as important as their payment0f course, they got full payment but I am stuck with a huge negative on my record for yearsI am being penalized on mortgage rates, auto loans all due to complicated and life threatening emergency where Ifelt the biggest priority was my childDesired Outcome: The disrespect and cruel responses to the death of immediate family members can not be repairedI lost my belief that most people have some compassionate and kindThe only thing that will resolve this is the immediate removal on all credit reports, of all derogatory remarks or indication of me ever being lateI will lose the house I want to buy as Macy's [redacted] portrays me as an irresponsible payerI don't deserve to suffer with this on my report for years !

[redacted] , We are in receipt of complaint id # [redacted] regarding the issue with the customer's extended warranty We have spoken with the customer and explained our policyAs an accommodation, we have sent the customer a gift card to replace the expired voucherAt this time, Macy's will consider this matter closed Thanks, Macy's Executive Office

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 First of all, if you would have compared the checking numbers used for the one that you say was "non-sufficient funds" you'll see the checking number is different from when it was "successful"The number used when the failed transactions happened was with my banking number XXX***According to my bank, there's two extra digits that were suppose to be added onto that account numberSO you'll see the successful payments will have XXX [redacted] The credit limit was only lowered due to Macy's adding a delinquent status to my credit historyNow, since i've fought it, Macy's has now removed it from my credit, dramatically improving my score (but not where it was previously)Also, here's a screenshot for you [redacted] That shows you that I had funds in my account so the non-sufficient thing is inaccurate Regards, [redacted] ***

[redacted] *** [redacted] September 21, [redacted] Re: Macy's Account Ending in [redacted] Dear [redacted] ***: 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 (DSNB) Our records indicate we previously responded to you regarding this matter on June 29, A copy of our correspondence is enclosed for your review Your Macy's account ending in [redacted] was opened on April 9, 2009, and was not a pre-paid account Please know, as of the date of this letter, the below information is currently reporting for this account Open Date: April 9, Last Purchase Date: May 8, Last Payment Date: May 8, Charge-off Date: December 8, Balance: $ On June 29, 2015, I sent copies of the monthly statements for the billing period ending on May 8, 2009, through the billing period ending on January 8, 2011, along with the DSNB credit card agreement and copies of all available purchase receipts to the mailing address listed on your above-referenced Macy's account for your review Unfortunately, we are unable to remove your account or the delinquency associated with this account from your credit report However, on June 24, 2014, we instructed the credit reporting agencies to update their records and report your account as 'customer disputes reporting' Please know, we are no longer actively collecting on this debt You will receive no further calls or letters for payment on the balance, which will remain on our records Nevertheless, your Macy's account is reporting accurately as an unpaid charge-off on your credit report If we may be of further assistance, or if you have any additional information that may be pertinent to your inquiry, please contact a Recovery Department representative at ###-###-#### [redacted] ***, 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, Caroline H Macy's Executive Office ###-###-#### Extension [redacted] Enclosure cc: Cincinnati Revdex.com Complaint ID [redacted] The Macy's card is issued by Department Stores National Bank

Dear [redacted] : 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 WorryNoMore has a strict policy that states we can only add the service up to days after the original delivery dateAfter review, our records indicate that when the order was written and reserved on 8/8/2015, the sales associate stated you had declined the WorryNoMore coverageOn 8/9/2015, we show we sent an order confirmation and sales check confirmation which showed WorryNoMore had not been purchased As the next correspondence from you was on 11/18/2015, days after delivery, we are unable to add the WorryNoMore servicePlease accept my sincerest apologies for the inconvenience this has caused you Sincerely, Jennifer C Macy's Executive Office

[redacted] *** [redacted] January 25, [redacted] Re: Revdex.com ID # [redacted] Receipt of Macy's Money Dear [redacted] ***: I am in receipt of your rebuttal forwarded to us by the Revdex.com As a representative of the Macy's Executive Office, I was asked to review and respond to your concerns regarding the receipt of Macy’s Money from the previous complaint I tried to discuss the matter with you personally on January 21, 2016, but the telephone line kept dropping the call I left a voicemail with the information provided in this letter I understand your concern regarding the receipt of the $Macy’s Money referred to in my letter dated January 20, We are unable to send Macy’s Money through the Revdex.com portalThe Macy’s Money was sent to the address listed on the original complaint (and the same as the one above) under separate cover I regret any confusion I may have caused [redacted] ***, if I can be of further assistance, please do not hesitate to contact me at the telephone number listed below Sincerely, Cathy D Macy's Executive Office ###-###-#### Extension [redacted] cc: [redacted] ***, Revdex.com

July 13, [redacted] Re: Revdex.com Complaint ID [redacted] Macy’s 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 Please accept my apology for any concern this situation regarding your account may have causedWhile I would have liked to discuss this with you personally, my attempts to reach you were unsuccessful My research confirmed that, as a courtesy to you, we recently removed interest charges of $and your account has a zero ($0.00) balance This letter will also confirm that your account was closed at your request on January 28, Moreover, we previously deleted the delinquent payment history on your account from our records and directed the credit bureaus to correct their records as well Please allow the bureaus thirty (30) days to respond to our request [redacted] , 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 JMacy’s Executive Office ###-###-#### Extension [redacted] cc: [redacted] ***, Revdex.com

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meI can access my account and Macys removed the late fees during the time I could not access my account or use the automated phone system Regards, [redacted]

January 10, [redacted] ** [redacted] Re: Revdex.com Complaint ID # [redacted] [redacted] Ring purchase Dear [redacted] ***: Your most recent comments regarding the complaint you filed with the Revdex.com have been forwarded to me for additional review and response As a representative of Macy’s Executive Office, I was asked to further address this issue It is regrettable to learn that you feel my previous response did not adequately answer your concerns and that some misunderstanding remains In my letter dated January 2, (copy enclosed), I advised that a [redacted] representative confirmed that they have a Certificate on file for your purchase which ensures a Lifetime Warranty, and they are more than happy to assist with repairing the ringThe [redacted] associate also informed me the ring had been sent to them two times for repair in However, when you brought your ring in to Macy’s at other times for repair, it was also repaired by jewelers other than [redacted] Because they have not been the only jeweler to provide repair service on your ring, [redacted] advised that according to their Warranty policy, it would no longer qualify for an exchange or refund In addition, your ring has been in your possession since 2011, and Macy’s day fine jewelry return policy was clearly posted in our jewelry department at the time of your purchase, which states it must be unworn with the original tags attached in order to process a return or exchange Therefore, our position has not changed Again, if you would like to send your ring to [redacted] for repair, you may bring it to any Macy’s location, and request to have it mailed to [redacted] You may also contact [redacted] directly by calling them at ###-###-####, or e-mailing them at customerservice@ [redacted] .com [redacted] ***, 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 need assistance on a different matter Sincerely, Alison GMacy’s Executive Office ###-###-#### Extension [redacted] Enclosure cc: [redacted] ***, Revdex.com

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 I have no idea what facts Macy's mentionedThe only thing they cared was the billing and shipping address I usedThat could be the reason they cancelled my orderThe facts were that I never received the gift cards they issued as refundThe gift cards questioned was used in the local Macy's at DE, that was trueBut I never got the gift cards, and I don't know who used gift cardsMacy's never contacted me regarding the order or the gift cardsAnd I contacted Macy's regarding the gift card a couple of timesI called the customer service, told them I never received the refund gift card, and told them to cancel the gift cardThey neither cancelled the gift card nor reissued a new gift cardThey even refused to tell me the gift card number they issued as refundIf they cancelled the gift card when I called them, nobody could use it at allAnd it would be much easier for them to reissue a new gift card.It is Macy's fault that result in the lost of the gift card, they could have a lot of ways to avoid the loss, but they did not do anythingThey had no proof where they mailed the gift card, when it was delivered, and who signed the packageI can't accept the way they thought they solved the issueTheir customer service is really poor and would not take any responsibility.Thank you for your help Regards, [redacted] ***

[redacted] *** [redacted] [redacted] November 15, [redacted] [redacted] Re: Revdex.com Complaint ID # [redacted] Macy’s account ending in *** Dear [redacted] ***: I am in receipt of your complaint forwarded to Macy’s Executive Office by the Revdex.com 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 apology for any inconvenience you have experienced regarding this issue We sincerely regret any frustration you may have experienced regarding the Credit Protection enrollment procedures at Macy’s Signing up for the Credit Protection plan is an oenrollment process and requires the customer’s consent The customer’s signature is required for acceptance in this plan, and a brochure is given to each customer who submits an application which includes both the Macy’s credit card terms and the Credit Protection terms Upon researching this issue, I found that you enrolled in the Credit Protection program when you opened your Macy’s account at our [redacted] Store in [redacted] , [redacted] , on October 16, I am enclosing a copy of the receipt you signed, electing to enroll in the optional Credit Protection Program, dated October 16, 2010, confirming your enrollment Our records show that $in program fees were charged from October 16, 2010, through October 21, 2016, when you called and requested to cancel the program Because your satisfaction is important to us, I confirmed that the Credit Protection service was cancelled on October 21, 2016, and that a refund for the charges totaling $was processed on November 8, 2016, to your Macy’s account You may use this credit toward a future purchase at Macy’s, or you may call our Customer Service Department at ###-###-#### to request a Credit Balance Refund check to be issued They are available Monday through Saturday between 8:am–12:am (midnight), and Sundays 11:am–11:pm EST [redacted] ***, thank you for the opportunity to address your concerns If I may be of further assistance in the future, please do not hesitate to contact me at the number noted below Sincerely, Alison GMacy's Executive Office ###-###-#### Extension [redacted] Enclosure / mailed November 15, cc: [redacted] ***, Revdex.com

[redacted] *** [redacted] April 18, [redacted] Re: Revdex.com ID [redacted] Macy's account ending in [redacted] Dear *** [redacted] : I am in receipt of your complaint forwarded to Macy's Executive Office by the Better Business Bureau As a representative 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 you may have experienced Thank you for providing the macys.com order numbers for your returns After reviewing each order, I found that the returns in question have been credited back as follows: Order # Returns Credit Date of Credit Statement Period Ending Gift Card Issued Gift Card Amount [redacted] $ +tax 12/10/ 12/24/ +tax +tax +tax +tax $ $ 12/26/ 1/24/ [redacted] $ $ 10/26/ Ending in [redacted] $ $ 12/26/ 12/26/ [redacted] $ $ 10/22/ 10/23/ $ 11/5/ 11/23/ $ $ $ 12/2/ 12/24/ [redacted] $ $ 9/17/ 9/23/ $ 10/15/ 10/20/ All of the returns listed above were returned as a credit to your Macy’s account ending in [redacted] with the exception of $which was credited to a gift card The items listed above with “+tax” were returned in a store location with items from other orders or purchases Should you wish to have the funds from the gift card noted above returned to your Macy’s account, you may call macys.com at ###-###-#### to request the transfer of funds Please have the order number and gift card on hand [redacted] , thank you for bringing this matter to our attention and giving me the opportunity to respond If I can be of additional assistance, please contact me at the number listed below Sincerely, Janice D Macy's Executive Office ###-###-#### Extension [redacted] cc: [redacted] ***, Revdex.com

[redacted] *** [redacted] March 20, [redacted] [redacted] [redacted] Re: Revdex.com complaint # [redacted] Account ending in [redacted] On behalf of Department Stores National Bank: Contact Date(s) With Customer: March 13, & March 16, Complaint Summary: [redacted] is requesting that the fraudulent charges that have been disputed in December 2016, be taken off of his account Resolution: I have partnered with our Fraud Claims Department and have confirmed that the fraudulent charges have been written off in the amount of $6,and that a clearing letter was sent February 28, It has been confirmed that all delinquencies for the account have been removed as well as a total of $in interest charges I have spoken to [redacted] over the phone on March 13, 2017, and March 16, to confirm the actions taken on the account I have also advised him that a Credit Balance Refund Check in the amount of $5, 265.27, for the payment he made on the account, has been requested for mail out and that it will take seven (7) to ten (10) business days for him to receive [redacted] is pleased with this outcome, this resolves his issue Tyeisha BMacy’s Executive Office ###-###-#### Extension [redacted] cc: [redacted] ***, Revdex.com

[redacted] *** [redacted] November 12, [redacted] Re: Revdex.com ID [redacted] Macy's account ending in [redacted] Dear [redacted] : I am in receipt of your complaint forwarded to Macy's Executive Office by the RevDex.com As a representative of this office, I was asked to review and respond to your concerns on behalf of Department Stores National BankI apologize for any inconvenience you may have experienced in your attempts to resolve this issue We updated your address as you requested to the address noted above on October 23, I removed $in late fees and $in interest charges related to this issue resulting in a zero ($0.00) balance on the account We have cleared our internal records of any delinquency associated with this issue We also requested the credit reporting agencies update their records and delete any history of delinquency from the time period of August and September, Please allow the agencies approximately seven (7) to ten (10) business days to make the necessary corrections to update their files This letter will serve as confirmation of this request [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 me Sincerely, Janice D Macy's Executive Office ###-###-#### Extension [redacted] cc: [redacted] Revdex.com

This business did not address my complaint in a satisfactory manner They profile their customers based on income and amount they spend For instance, I received ads for items at a time they knew these items were already sold out They offer items in advance to their premiere customers and allow them first priority to deplete a limited inventory of sale itemsThe day I received their advertisement in the mail, I immediately went online to purchase the item It was sold out online and at every physical store location Why send me an ad if you do not have the items? Curious, I started looking at other offerings in that advert and started to see the pattern All the items were not in inventory and similar regular priced items were offered when you contacted the business directly Under statute of the UCC this constitutes a bait-and-switch practice.Contrary to what their agent stated Macy's practices are in fact very deceptiveIn fact, their representative never even made an effort to contact me, they only did damage control to the Revdex.com office I have purchased a domain and am launching a consumer awareness website and talking with other attorney's I work with about launching a class action lawsuit like I did with EBay when they violated the Sherman Act years ago Macy's practices need to be addressed Filing a lawsuit in federal court based on their practices and diversity of citizenship will finally prompt a response from this business, as they must file an answer to my complaintThe Revdex.com needs to file this complaint under unresolved and review this businesses practices and integrity as now it will be addressed in a federal action

***, We received the complaint for Mauro Lo Conte regarding ID # [redacted] The customer stated the fabric on the sofa cushion has a flawWe show that the customer has an exchange set up which is scheduled for delivery on 4/14/We have refunded the customer’s delivery fee as an accommodation due to this issue and confirmed via email to the customerMacy’s Executive Office Jon A.OC Operations Support Presidential | Macy's, IncDUKE BLVD | MASON, OH 45040Office: ###-###-####

Revdex.com: II apologize for the delay as we had lost internetYou reducing our limit by $1,is absurd and overly punishingWe have had that card for years and such a harsh decrease is crazyNot only that we had paid that off on more than one occassionOur long standing history with Macy's should have counted Having a $limit is so absurd and not even worth our timeTell me what we can purchase with such a ridiculous limit? Creditors absolutely have the power to change what ever they pleaseAs well, you mention a letter that we have NEVER receivedI just logged on to Macy's and was told I needed to pay $or something like that to finally pay it offSo I set that up, which doesn't match what you have just stated in this letter Once again not the truth if I change my payment we will once again be in defaultThe mere fact after years we are treated as criminals and nonpayers is outrageousWhat if a serious life event had happened, which it actually did, we should call our credit card holders first? Discussing our major life accident is none of your employees concern as they would NOT have cared anyway, which is obvious by how you reduced our limitAnd the sick part is we only owed less than on the account Macys officially doesn't care We want our credit limit stored and actual amount owed reflected on YOUR siteI 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] ***