Macy's

October 10, [redacted] Re: Revdex.com Complaint ID # [redacted] Macy’s store account ending in *** Dear [redacted] ***: I have received your most recent comments regarding the complaint you filed with the Revdex.comAs a representative of Macy’s Executive Office, I was asked to address your additional concerns on behalf of Department Stores National Bank I apologize for any inconvenience you may continue to experience regarding your account In researching your account, there was a $late fee on September 26, 2016, and a $interest charge on September 29, 2016, bringing your balance to $ As a courtesy, I have removed those fees, bringing your account balance back to $37.05, due by October 26, Please note that no additional fees will be removed at this time as payment is due on your account In regards to your credit limit increase, regrettably, I must decline your request to restore your $1,limit As stated in my letter mailed to you October 4, 2016, you may call our Credit and Customer Service Department at ###-###-#### to apply for a credit limit increase Please allow seven to ten (7-10) business days to receive all U.SPostal mail correspondence sent to you from our office [redacted] ***, although we would like to reply favorably to every customer, it is not always feasible Thank you again for bringing your concerns to our attention and giving me the opportunity to respond Your business is important to us, as well as appreciated 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

November 20, [redacted] , ** [redacted] Re: Revdex.com, Complaint ID [redacted] Macy’s [redacted] Shopping Experience Dear [redacted] ***: I am in receipt of your complaint filed with the Revdex.com, which was forwarded to Macy’s Executive Office As a liaison in this office, I was asked to review and respond to your concerns With the increased popularity in online shopping, and the inherent nature of clothing to fit customers differently; we understand that merchandise returns are certain to occur more frequently While some customers may chose to return multiple items back to their respective departments; though appreciated, that is certainly not their responsibility General merchandise returns can be completed at any register in the store“One-of-a-kind” items, (for example: fur or fine jewelry) must be returned by the customer in the department they belong; but in any case, our associates should be focused on ensuring our customers are able to complete these transactions with ease I was disappointed to learn of the misinformation and poor service you describe receiving from one of our associates Please be assured that the behavior you describe is not condoned or toleratedI apologize if the manager you initially spoke with was not sensitive to your concerns Upon receipt of your complaint, I forwarded your concerns to MrJim S., the Vice President and Store Manager of Macy’s at [redacted] MrSconfirmed with me that the information you received was inconsistent with our return procedures, and has assured me that the lacking service you describe has been addressed internally Per your request, on October 27, 2017, MrSattempted to call you directly concerning this matter but was only able to leave a voicemail MrSwelcomes the opportunity to speak with you personally and may be reached directly at ###-###-####, Extension *** [redacted] ***, thank you for bringing this matter to our attention and for allowing me the opportunity to respond to your concerns Your feedback is important to us as it directs our attention to areas in which we can improve our customer’s experiences If I may be of further assistance to you, please feel free to contact me directly at the telephone number listed below Sincerely, Stephen CMacy's Executive Office ###-###-#### Extension [redacted] cc: [redacted] ***, Revdex.com MrJim S., Vice President Store Manager – Macy’s [redacted]

[redacted] ***Cincinnati Revdex.comE Fourth StSte 600Cincinnati, OH 45202Dear [redacted] ***: I contacted [redacted] by phone to resolve his complaint ID [redacted] and to apologize for any inconveniences he experienced as a result of his bloomingdales.com order # [redacted] To replace the gift cards that [redacted] used on his order, I am sending him a gift card for $that he may use in store or onlineBased on the above, Bloomingdale's considers this matter resolved and closed satisfactorily Sincerely,Colette O.Bloomingdale's Executive Office###-###-#### Extension ***

[redacted] *** [redacted] November 27, [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 concernsI apologize for any inconvenience this issue may have caused you Our records indicate that you faxed a copy of the payment to our Payment Research Team on October 14, 2015, which enabled them to find and post the payment of $to your account as of October 7, We removed a $late fee and $in interest related to this issue which resulted in a credit balance of $on the account I requested a Credit Balance Refund check be sent to you at the above address Please allow seven to ten business days for the check to arrive [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 [redacted] cc: Tina Geers, Revdex.com

[redacted] *** [redacted] September 11, [redacted] Re: Revdex.com Complaint # [redacted] Macy's Account ending in [redacted] Dear [redacted] : I am in receipt of your complaint filed with the Revdex.com and forwarded to Macy’s Executive Office As a liaison in this office, I was asked to review and respond to your concerns on behalf of Department Stores National Bank Please accept my personal apology for any frustration you may have encountered while attempting to resolve the interest on your Macy’s Account It was disheartening to read of the complications you faced using our automated system, in addition to, when you spoke with someone from our Customer Service Department Be assured that the problems you described are not typical of the level of quality customer service that we strive to provide Macy’s goal is to have professional and knowledgeable customer service associates available, so that all of our customers’ questions and needs are addressed and resolved efficiently Your feedback is critical as it assists us in understanding our customers' experiences and directs our attention to areas in which we can improve our service quality In researching this matter, I found that your billing statement for the period ending in July 15, 2015, had a $balance with a $minimum payment (including a past due amount of $25.00) due by August 15, Per the enclosed Department Stores National Bank Credit Card Agreement, if you have been paying less than the Total New Balance on your account, you will be charged interest charges on that balance from the first day of the billing cycle until the date that your payment is received The minimum interest charge is $ This interest charge is for the money loaned to you during that period, and appears on the next month’s statement Therefore, the billing statement for the period ending in August 15, 2015, had a $balance with a $minimum payment due by September 15, We received a $payment on July 17, 2015, and a $payment on August 8, 2015, totaling $ During my investigation, I discovered that a credit for $was applied to your account as a courtesy As of the date of this letter, your closed Macy’s account referenced above has a zero ($0.00) balance Additionally, I have enclosed copies of your July and August billing statements for your review We regret losing you as a valued account holder and that this incident has jeopardized our business relationship [redacted] , thank you for bringing this to our attention as well as giving me the opportunity to respond If I may be of additional assistance, please do not hesitate to contact me directly at the phone number listed below Sincerely, Tamalla D Macy's Executive Office ###-###-#### Extension [redacted] Enclosures /mailed September 11, cc: [redacted] ***, Revdex.com

October 15, [redacted] *** Re: Revdex.com Complaint ID # [redacted] Macy's account ending in *** Dear [redacted] **: I am in receipt of your additional concerns filed with the Revdex.com which was forwarded to Macy's Executive Office on October 5, As I am also a liaison in this office, I was asked to review and respond on behalf of Department Stores National Bank We addressed the issue of your credit report when we responded to your previous complaints filed with the Revdex.com on July 23, (Complaint ID # [redacted] ), and on September 10, (Complaint ID # [redacted] ) Enclosed you will find copies of our prior responses dated August 3, 2015, and September 21, My research shows that we are no longer reporting any delinquency for your account and that we requested [redacted] , [redacted] , and [redacted] delete the delinquency from your credit bureau report on July 29, Please note that credit reports are completely managed by the credit reporting agencies and we have no control over how your credit score is calculated If you are worried about a low credit score, you will need to contact each credit reporting agency directly [redacted] **, while we would like to respond favorably to every customer’s request, it is not always feasible We are sorry that we have disappointed you in this matterSincerely,MsRandi P.Macy's Executive Office###-###-#### Extension *** Enclosures cc: [redacted] ***, Revdex.com

[redacted] *** [redacted] Re: Revdex.com ID [redacted] Bloomingdale's account ending in [redacted] Dear [redacted] : I am in receipt of your most recent complaint forwarded to Bloomingdale's Executive Office by the Revdex.com As a representative of this office and because I am familiar with your file, I was asked to review and respond to your concerns on behalf of FDS BankPlease accept my personal apology for any inconvenience you may have experienced Thank you for your voice mail message on December 30, 2015, stating that the $ from your account's credit balance posted to your bank account I apologize for the length of time it took to resolve this issue for you [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 Bloomingdale's Executive Office ###-###-#### Extension [redacted] cc: [redacted] ***, Revdex.com

June 12, [redacted] [redacted] Re: Revdex.com Complaint # [redacted] Dear [redacted] ***: I am in receipt of Ms [redacted] complaint As a representative of Macy's Executive Office, I was asked to review and respond to her concerns I have spoken with Ms [redacted] several times by phone and have resolved this matter to her satisfaction We consider this issue closed If you have any questions, please feel free to contact me at the telephone number listed below Sincerely, [redacted] Macy's Executive Office [redacted] cc: [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 I've been working with Theresa at Macy's and she's been very helpfulBut I can't agree to close the complaint just yetI have not received a refund for the sport coats that were returnedShe said that it may take to days to processSo it would be premature for me to agree to close the complaint right nowThat refund has not yet been received Regards, [redacted] ***

Re: Complaint ID # [redacted] Dear [redacted] ***: I am in receipt of [redacted] 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 [redacted] , as well as the feedback provided concerning our consumer protection policies I have spoken to [redacted] 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 [redacted] , and have determined that this does not resolve my complaint They are ignoring the FACTS I was charged TWICE for the same items Their response had nothing to do with the issue Regards, [redacted]

[redacted] *** [redacted] January 15, [redacted] Re: Revdex.com ID [redacted] Macy’s account ending [redacted] (individual account) Macy’s account ending [redacted] (joint account) 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 (DSNB) We recently underwent a system conversion for the Macy's credit card accounts and redesigned the credit servicing site accessed through our macys.com website Unfortunately, this complex upgrade caused a disruption of service to some of our customers' accounts We apologize for any frustration and inconvenience you may have experienced while attempting to access your account on-line It is my hope that you will be able to gain access to your accounts online On January 8, 2016, we contacted you to advise that we would have our Escalated Technical Support Team call you directly to ensure that you are able to access and view your account details online In regards to the balance on your accounts; as of the date of this letter, the individual account ending in [redacted] has a current balance of $and the joint account ending in [redacted] has a zero ($0.00) balance For your reference, I have included an overview of the activity on your individual account ending in [redacted] for the last billing cycles on the following page For more detail about the transactions on your account, I have mailed a copy of the associated billing statements under separate cover Included in the mailing with your billing statements, I have enclosed a copy of the DSNB Credit Card Agreement Per the agreement, 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 received The minimum interest charge is $ This interest charge is for the money loaned to you during that period, and will appear on the next month’s billing statement You can avoid being charged interest by paying your account balance in full every month by your payment due date My review of this matter found that all interest was correctly charged to your Macy’s account in accordance with the Credit Card Agreement The overview provided below lists your account activity by billing cycle and should assist in clarifying the running balance on your account Payments, returns, or other credits are combined and listed under “credits”; likewise; purchases, fees, interest assessed, or other debits on the account are combined and listed under “debits.” If an “X” is marked under the “No Activity” category, this means there were no purchases made during this billing cycle and any debits posted to your account during this cycle are composed of fees, interest, or other debits assessed to the account Figure 1: Individual account ending [redacted] Billing cycle ending Previous Balance Debits Credits Ending Balance No Activity 1/4/ $ $ $ $ 2/4/ $ $ -$ $ 3/4/ $ $ -$ $ 4/4/ $ $ -$ $ X 5/4/ $ $ -$ $ 6/4/ $ $ -$ $ X 7/4/ $ $ -$ $ X 8/4/ $ $ -$ $ X 9/7/ $ $ -$ $ X ***10/8/ $ $ -$ $ X 11/6/ $ $ -$ $ X 12/8/ $ $ -$ $ 1/8/ $ $ -$ $ ***Account was re-issued on October 10, 2015, the previous balance of $was transferred from Macy’s Account ending [redacted] to the new Macy’s Account ending *** Debits for cycle ending 10/8/include the previous balance of $544.41, and interest of $ I can assure you any payments that we received were applied to your account Please review the overview and the statements that have been mailed to you and reference them with your bank records If you find a payment error, please notify us; we would be more than happy to look further into the issue I apologize for any confusion you may have surrounding the re-issue of your personal Macy’s account I truly understand your concerns with this reissue, and I assure you we would never send a card to you without prior notice or your express consent The agent who advised that your card was replaced because of the new security chip was mistaken The information that was provided to you regarding a security chip in the Macy’s card only applies to our Macy’s [redacted] cardholders I regret any misinformation that was provided to you Our records indicate that you called on October 10, 2015, to report your card missing To prevent any unauthorized transactions, we deactivated your account ending [redacted] and replaced it with your current account ending *** During the process of this replacement, the balance on account ending [redacted] was transferred to your current account ending *** [redacted] ***, I hope I was able to clarify the important details regarding your account Thank you for bringing this matter to our attention, and allowing me to respond We value you as a Macy’s customer and hope you continue to shop with us for years to come If I may be of any further assistance, please contact me directly at the number listed below Sincerely, Stephen C Macy's Executive Office ###-###-#### Extension Enclosures / mailed Jan15, cc: [redacted] ***, Revdex.com

March 05, Tina Geers E Fourth St Suite Cincinnati, Ohio Revdex.com complaint # [redacted] 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 was credited back to original form of payment on 3/3/Based on this, we consider the matter closed satisfactorilyThank you Sincerely, Jan BMacy's Executive Office ###-###-#### Extension ***

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] March 17, [redacted] , [redacted] I am in receipt of Macy’s response to complaints regarding my two fur coats Yes, I have been a long time customer of Macy’s Fur Vault That is something that I was Previously proud to admit, until nowI have always purchased the protection plans on all of my fur purchases and have also stored all seven with Macy’s Fur Vault The offer made to me by Macy’s to reline each item at a discounted rate is still extremely costly , as I am a senior citizen I really want to come to a resolution regarding my fur coats, as this situation has been going on for too longIn good faith, I am offering a payment of $for each coat for the relining, and monogramsI am hoping this will be agreeable to solve this issue Sincerely, [redacted]

January 04, [redacted] ***Cincinnati Revdex.com E Fourth StSuite Cincinnati, OH Revdex.com Case # [redacted] Dear [redacted] ***: We are in receipt of Revdex.com Complaint # [redacted] After numerous attempts by phone, we have not had any contact with the referenced customerWe would assume that the authorization holds have fallen off in the past daysBased on this, we consider the matter closed satisfactorilyThank you Sincerely, Melissa U Macy's Executive Office ###-###-#### Extension [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 complaintBased on this, we consider the matter closed satisfactorilyThank youSincerely, Bobbie A| Omnichannel PresidentialOmnichannel Selling and Service Escalation Team | MCCS Executive OfficePhone: ###-###-#### | Fax: ###-###-#### | Email: [redacted]

***, We received the complaint for [redacted] regarding ID [redacted] The customer stated they have had multiple issues regarding their furniture purchaseWe have attempted to reach out to the customer via email and by phone and left a messageAt this time we have not had a responseOnce we make contact with customer we will work to resolve their issue Macy's Executive Office

[redacted] ***, We are in receipt of complaint id #regarding the customer’s refund for the furnitureWe had contacted the customer and had set up a return for the furniture to be picked up on 12/24/We had advised the customer that he will receive full refund for the return once the furniture is picked up and is checked back into the fulfilment center It is a process that can take 5-business days after the furniture is picked up from his residenceUnfortunately, Macy’s cannot process the credit until the furniture is picked upWe had also advised the customer that once the credit is processed, he will receive an email confirmation that the credit has been processedAt this time, Macy's will consider this matter closed since we have already approved the furniture return for full refund Thanks, Macy's Executive Office

Dear [redacted] , I am in receipt of complaint number [redacted] I am currently working with the customer on a resolution and am waiting for the customer to provide me with photos of the current damage to the mattress Jennifer C| Omnichannel Presidential CorrespondentOmnichannel Selling and Service Escalation Team | MCCS Executive Office Phone: ###-###-#### | Fax: ###-###-#### | Email: [email protected]

[redacted] *** [redacted] *** September 20, [redacted] *** Re: Macy's Account ending in *** Complaint # [redacted] Dear [redacted] : I am in receipt of your response to our letter regarding the complaint you filed with the Revdex.com concerning your above referenced Macy's account As a representative of Macy's Executive Office, I was asked to review and respond on behalf of Department Stores National Bank (DSNB)As of the date of this letter, the below information is currently reporting for the Macy's account listed aboveOpen Date: November 3, 2008Last Purchase Date: July 3, 2009Last Payment Date: September 10, 2010Charge-Off Date: April 28, 2011Balance: $We understand you are attempting to improve your credit report by requesting that we modify the payment history associated with the above-referenced Macy's account It is not the Bank's policy to remove any delinquency from your credit report, unless it occurred as a result of a bank or billing error We have an obligation to accurately report all activity, either favorable or unfavorable, to the credit reporting agencies After researching the delinquency on your account, we found that the information we are reporting is correct The monthly billing statements were delivered to the address on the account which was [redacted] As stated in our DSNB Credit Card Agreement (enclosed), you agreed to notify us if you move, or if the address we had on file was incorrect We have no record of a change of address we had during that time As requested, we have enclosed copies of the monthly statements for the billing periods ending September 28, through May 28, Although we are not actively pursuing collection efforts on your account, we are agreeable to accepting a voluntary payment for this account You may remit a check payable to Macy's, to my attention at the address above Until the full balance of $is received, the account will continue to appear as an unpaid charge-off on your credit report Thank you for bringing this matter to our attention and allowing me the opportunity to respond Please feel free to contact us at the address below if you have further questions regarding this matter Sincerely, Diane M.Macy's Executive Office###-###-#### Extension *** DM/dsEnclosurescc: [redacted] *** The Revdex.com