Macy's

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 had many conversations with Steven on the phone and I understand what he explained about government interference in my account and that Macy's has to follow these regulations (which are unconstitutional) I went over my account very carefully with him and he told what I had to pay for the coming month, regarding the different plans I have so that ALL would be covered adequately I just received my monthly statement and, of course, EVERY ACCOUNT is screwed up! I always expect this from Macy's, but I have to say I was quite dismayed when I received it as I believed everything was straightened out!!Since I have filed this report I have talked to many people who are also constantly having problems with their accounts also I will not be remotely satisfied until this is COMPLETELY STRAIGGHTENED out No wonder so many of their stores are closing [redacted] ***

January 2, [redacted] ***, [redacted] Re: Revdex.com 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 representative in this office, I was asked to review and respond to your concerns Please accept my sincere apology for any inconvenience or frustration this matter may have caused Unfortunately, your complaint did not provide specific details concerning your purchase transaction or the store location that you visited For clarification, if our stores further reduce an item within days of your purchase, we will refund the price difference when you present your original receipt Please accept my sincere apology for any misinformation that was provided to you by the sales associate Signage regarding this policy are located within the store and displayed at each register If it is more than ten (10) days since your purchase, as a courtesy to you, a store may allow you to return the item, and then re-purchase it at the lower price This is within the store’s discretion and is done as an accommodation to you We regret if this was not properly explained to you at the time of your visit [redacted] , your business is important to us, as well as appreciated I hope that you will view this as an isolated incident and continue to choose Macy’s for your shopping needs If you have any questions, please do not hesitate to contact me at the telephone number listed below Sincerely, Stephen CMacy’s Executive Office ###-###-#### 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 Regards, [redacted] Concerning complaint # [redacted] , I have been in contact with Sharon Wat Macy’s I asked her to email me and give a breakdown, so I can understand how they I am being billed for two mattresses instead of oneI also let Sharon know that I was having issues with my laptop and would she mail me a copy of the breakdownI didn’t hear from her yetI finally got my laptop back todayThank You for your patience, I do not have $to give to Macy’s Sent from [redacted] Email

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 As previously stated, these inquiries are inclusive of other dates that begin in June of When contacted by Macy's, it was not at a time that we agreed uponI never heard anything further and anticipated another callPlease call me at your earliest convenience to discuss this Regards, [redacted]

October 19, [redacted] , ** [redacted] Re: Revdex.com Complaint ID # [redacted] Macy’s account ending in [redacted] (closed) Dear [redacted] : I am in receipt of your Better Business Bureau complaint, 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 I apologize for any frustration you may have experienced in regards to your fraud claim I have reviewed your account and found that on February 13, 2017, your account billed with a balance of $144.11, and had a minimum payment of $due by March 12, I see that you contacted us on February 15, 2017, to report your account as lost/stolen The following day, on February 16, 2017, the charge from macys.com in the amount of $was placed onto your new account Although you disputed the charge of $as fraud, we did not receive a payment on your valid balance of $for the due dates of March 12, April 12, May or June 12, 2017, resulting in the closure of your account on June 18, Our records confirmed billing statements for these months were successfully delivered to the email address of [redacted] , which you placed on file for statement delivery It 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 The information we are reporting is accurate; therefore, we are unable to remove the delinquency from your credit report as you requested I am happy to let you know that your fraud claim was resolved and the purchase of $was credited back to your account on August 6, In addition to this, late fees totaling $and interest charges totaling $were also credited back to your account as a courtesy We received your payment of $on August 24, 2017, leaving your account with a credit balance of $ I have requested a refund check for this amount be mailed to the address on your account, which should be received in 7-days Unfortunately, we are unable to reopen your account However, you are welcome to apply for a new Macy’s account online at www.macys.com, or at any register in any store [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, Kristi C [redacted] Macy’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 have determined that this does not resolve my complaint I was not confused when I signed up to the agreementI was perfectly clear in my previous email and find your remarks unprofessionalI was lured into an agreement based on premise and still believe that this account should be terminated and all associated information be removed from my credit reportsI was told that my credit will go back to its original amount and it has notI still await a receipt of a bill from your organisation to be able to review the associated costs and would like to receive a compensation for the amount of time I had to spend on this and for the tremendous hassle and distress your organisation have subjected me toYou still have not addressed the issue with relation to [redacted] I was sold an [redacted] credit card and only recently realised [redacted] has nothing todo with this credit card and it is a macy's credit card Regards, [redacted]

Dear [redacted] ***: I contacted [redacted] by phone to resolve her complaint and to apologize for any inconveniences she experienced as a result of her macys.com order # [redacted] I have processed a credit for the gift cards she purchased in the amount of $ [redacted] should see the credit reflected on her accountBased on the above, Macy's considers this matter resolved and closed satisfactorilySincerely, Colette O.Macy's Executive Office###-###-#### Extension ***

June 29, [redacted] ***Re: Revdex.com Complaint ID [redacted] Macy’s account ending in *** 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 FDS BankPlease accept my sincere apology for any frustration this matter may have caused you.In review of your account, I am pleased to advise that the electronic refund was issued to your financial institution on April 22, in the amount of $ Again, I apologize for the delay in refunding your account credit balance and for the numerous attempts in getting this resolved I was very disappointed to read that you called our credit office multiple times with no resolution to your refund request The service you described receiving is definitely not indicative of the level of service we expect to be delivered on every call In researching your account, the notes indicate that on April 13, 2016, a Supervisor called and left you a voicemail message at ###-###-#### I am sorry you did not receive that phone call or message Be assured, I have shared a copy of your complaint along with my response with the appropriate party to address further[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,Monique M.Macy’s Executive Office ###-###-#### Extension ***cc: [redacted] ***, Revdex.com Manager, Credit Customer Service

May 10, [redacted] ***Dear [redacted] : Thank you for taking the time to speak to me regarding your complaint ID [redacted] As per our conversation, I processed a credit in the amount of $I also processed a credit for $for an item that is still showing as 'in transit' on your orderYou should see these credits reflected on your account with - business days.Based on the above, Macy's considers this matter closed and resolved satisfactorilySincerely,Colette O.Macy's Executive Office###-###-#### Extension ***

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 me Suggest Macy's review their customer service procedure for better handling of any future mishaps Regards, [redacted] ***

May 20, [redacted] [redacted] *** [redacted] Re: Revdex.com Complaint ID [redacted] Macy’s account ending in [redacted] 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 concerns on behalf of Department Stores National Bank Please accept my apology for any concern this situation regarding your account may have caused My research in to this situation confirmed the following - • [redacted] was added as an authorized buyer on your account on April 30, • The balance has reached its present level due to a series of large payments to the account that were subsequently returned unpaid by the bank After receiving the payments, additional purchases were initially allowed The amounts of the payments were then added back to the account balance • Returned check fees, late fees, and interest charges have also been added, which increased the balance • Our records show that our fraud area has notified you multiple times in the past that your fraud claim has been denied As the account holder, you are ultimately responsible for the use of your account by an authorized buyer • Our position on this situation has not changed Your account balance is $1,829.24, and has been charged off as a bad debt However, we previously coded the account with the credit bureaus as “customer disputes reporting.” [redacted] , we appreciate this additional 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 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 Regards, [redacted] Until Macy’s picks up the Bed giving me a recite and Macy’s Confirms they will credit back to my [redacted] card the cost of the Bed $this complaint must remain open! Please Advise Macy’s when Bed is picked up on 4-16-Trucker must give me a recipe and Macy’s must Credit back to my [redacted] Card the cost deducted from my card for the Bed was $980.12! Keep my complaint open till they confirm This amount is or will be created back to my [redacted] card

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] No recourse has been offered or provided regarding this matter.**

June 10, [redacted] ***Re: Revdex.com Complaint [redacted] Macy’s [redacted] 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 We sincerely regret any frustration you may have been caused regarding the fraud on your Macy’s [redacted] account, and for the problems you encountered while attempting to resolve this matter Upon review, I found that on January 11, 2016, you disputed the charges on your account At that time, your Macy’s [redacted] account ending in [redacted] was reported as lost/stolen and a new credit card ending in [redacted] was issued I was disappointed to hear that you called monthly with no resolution to your complaint Moreover, I apologize that we advised for you to make a payment for the charge you did not make When an account is in dispute for a fraudulent charge, no payments are required for that amount until the fraud case is closed I am pleased to convey that on May 9, 2016, we removed the $charge from your account ending in *** As of today’s date your Macy’s [redacted] account is open with a zero balance Purchases continued to be made on the account when the fraud investigation was in progress; therefore, your payment of $and the credit for the fraudulent charge of $was applied towards these purchases Thank you for bringing this matter to our attention There is no excuse for the service you received and I can only apologize on behalf of our organization I have enclosed $in Macy’s Money as a token of our appreciation If I may assist you in the future, please contact me at the telephone number listed below and I will be happy to help.Sincerely,Stephanie C.Macy's Executive Office###-###-#### Extension ***Enclosure /mailed June 2016cc: [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 Since my account was in dispute with the Revdex.com and I was waiting for my statements to see the charges I didn't make payments because I didn't want to make payments on items I didn't purchaseMacy's charged me with late fees for several months and I would like a refundthere was a dispute and according policies there should have been a final agreement for payment agreed by both parties and I should t have just been chargedMacy's is a thief company and they even charged me for items that I returned Regards, [redacted]

April 18, [redacted] ***Re: Better Business Complaint ID [redacted] Macy's ApplicationDear [redacted] :I am in receipt of your new complaint filed with The Revdex.com, which was forwarded to Macy's Executive Office on April 16, As a liaison in this office, I was asked to review and respond to your concerns on behalf of Department Stores National Bank (DSNB).Our records indicate we received your complaint filed with the [redacted] (***) on March 16, 2018, regarding this same matterWe responded to the [redacted] complaint in a letter dated April 13, A copy of our response is enclosed.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.Nancy M.Macy's Executive Office###-###-#### Extension ***Enclosurecc: The Revdex.comApril 13, [redacted] *** Re: [redacted] - Case # [redacted] Macy's Application Dear [redacted] : I am in receipt of your complaint filed with the [redacted] (***) which was forwarded to Macy's Executive Office on March 16, As a liaison in this office, I was asked to review and respond to your concerns on behalf of Department Stores National Bank (DSNB)I can certainly understand your frustration and I apologize for any disappointment you experienced regarding the Macy's application that you recently submitted onlineOur systems use many methods to confirm the identity of every applicant during the application processSending a password or code to a customer's verifiable telephone is one of the security methods we useYour application was declined because we were not able to complete the required verification of your telephone numberEnclosed is a copy of the letter dated March 9, 2018, which states the application was denied because we were unable to verify identity informationUnfortunately, the approval letter you received was sent in error by our agentWe are not able to approve your application at this timeWe continue to use Driver's Licenses and state issued IDs for identity verificationHowever, we also use current technology if it can reduce fraud and loss for the BankThank 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 questionsSincerely, Nancy MMacy's Executive Office###-###-#### Extension *** Enclosure cc: [redacted]

January 14, [redacted] Re: [redacted] – Case # [redacted] Revdex.com Complaint ID [redacted] Macy’s [redacted] accounts ending in [redacted] and [redacted] Dear [redacted] ***: I am in receipt of your complaints filed with the Revdex.com and the [redacted] , which were forwarded to Macy's Executive Office on December and 16, 2015, respectively As a liaison in this office, I was asked to review and respond to your concerns on behalf of Department Stores National Bank I had hoped to speak with you personally, but my attempts to reach you were unsuccessful We sincerely regret any inconvenience or frustration you may have been caused regarding the alleged fraud on your Macy’s [redacted] account, and for the miscommunication you received while attempting to resolve this matter Below is a timeline of the transaction activity and our communication with you for the Macy’s [redacted] accounts: On November 16, 2015, a woman called us to request the address, telephone and e-mail changes to the account ending in ***, along with a credit limit increase request from $2,to $16,The caller verified your personal security information, and fraud was not suspected at that time We placed a block on the account November 20, 2015, when a purchase was declined and an incorrect Social Security Number was given at the register We were able to contact you on this same date, and reported the credit card ending in [redacted] stolen A new card number was generated ending in *** You spoke with Julia Oin our Executive Office on November 24, 2015, after speaking with various phone representatives that day We sent you a Statement of Fraud form to complete and return to us.We received your Statement of Fraud form on November 27, The Total Balance Due of $was placed in dispute and we reset the credit limit to its original $2,level at that time.On December 7, 2015, we received your $payment in full for the previous month’s balance.On December 23, 2015, we removed the $in fraudulent charges from the account ending in ***, and MsOclosed that account as you requested with a zero ($0.00) balance I am sorry that you were told we could not give you a complete list of the approved and attempted purchases at the time the fraud occurred The approved transactions and subsequent removal of these purchases appeared on your billing statements If law enforcement has a case they are investigating, we require a written request for information so we can authenticate the request and ensure we’re providing the information to the correct individuals As for attempted or declined transaction information, we will gladly provide any details that are available to law enforcement requestsWritten requests may be sent to: Fraud Claims Department, P.OBox 8097, Mason, OH Please find enclosed copies of your November and December billing statements, which show the various transactions on the Macy’s [redacted] accounts If I may assist you further, do not hesitate to contact me Sincerely, MsRandi P Macy's Executive Office ###-###-#### Extension Enclosures /mailed January 14, cc: [redacted] [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 At this juncture, upon a third decline to respond to this complaint with any reason, I will take my complaint and this insidious messaging from Macy's Corporate directly to my contacts in the press/media Regards, [redacted] ***

November 17, [redacted] re: Revdex.com Complaint ID: # [redacted] Dear [redacted] : I am in receipt of your complaint to the Better Business BureauOn behalf of Macy's Executive Office I do apologize for the concerns with your refund for order # [redacted] being issued in the form of a gift cardI have personally requested the transfer of the $gift card value be transferred to your Macy's cardI will inform you when this is posted Further, Macy's Credit Department has removed $interest that billed on October 5, and $that billed on November 4, The total for these adjustments on your Macy's account is $ Thank you for bringing this matter to our awareness and allowing me to respondIf 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 [redacted] cc: [redacted] ***, Cincinnati Revdex.com

February 11, [redacted] Re: Better Business Bureau Complaint ID # [redacted] Macy’s [redacted] account ending in [redacted] Dear [redacted] : It was a pleasure to speak with you on February 10, 2016, and thank you for accepting my sincere apology regarding 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 As explained, we recently underwent a scheduled system conversion for the Macy's credit card accounts as well as the credit servicing pages accessed through the macys.com website Unfortunately, the implementation of this upgrade may have caused challenges when accessing and the credit servicing site for the first time after the conversion I am sorry that you were unable to access your electronic bills after the August 7, 2015, billing statement A Notice of Change in Terms and Right to Opt Out was mailed on June 20, 2015, which took effect on July 26, You were advised in that notice that we are changing your Credit Card Agreement and replacing it with a new one Also, the notice informed you that the Store Account associated with your Macy’s [redacted] Account was being closed and explained that you may continue to use your [redacted] Card to make purchases at Macy’s and everywhere [redacted] is accepted With respect to viewing and making online payment, you would have needed to register your Macy’s [redacted] account ending in with your third-party banking system to view electronic bills and make online payments I am pleased that your account was successfully enrolled on December 5, Our records show that since then you have been making online payments On November 12, 2015, a partial $late fee was removed, and on December 21, 2015, we requested [redacted] and [redacted] update their records and delete any history of delinquencies reported for October and November Additionally, on February 10, 2016, we removed the remaining $in accumulated late fees You will these adjustments on your next billing statement [redacted] , thank you again 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, Regina M Macy's Executive Office ###-###-#### Extension [redacted] cc: [redacted] ***, Revdex.com