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 did not initiate the purchase of any insurance policy through Macy's and have told Macy's this several times My wife, who has been deceased for seven years, may have initiated the transaction in question and my daughter was paying the $monthly charge for years without my consent She was handling my financial affairs until recently when my brother in [redacted] took over from her In any event, I do not owe Macy's anything and I want my record to reflect this fact The $cited by Macy's as owing is pure fiction and will never be paid Macy's is guilty of "elder abuse" and is harassing me for no reason Contrary to what Macy's stated in their response they have sent several harassing letters addressed to my estate and I'm very much alive They are total is! Thank you for attempting to obtain relief for me I'm not dealing with Macy's directly anymore This entire debacle is making me physically ill, although I doubt that Macy's will actually care about that I'm years of age, a [redacted] veteran and I do not deserve to be treated the way Macy's has treated meSincerely, [redacted] ***

September 1, [redacted] Re: Revdex.com ID # [redacted] Macy’s store account ending in ***, Macy's [redacted] account ending in [redacted] Dear [redacted] : I am in receipt of your most recent inquiry filed with the Revdex.com As a liaison in Macy’s Executive Office, I was asked to review and respond on behalf of Department Stores National Bank I left a voice message for you on August 26, 2015, and hope to hear from you soon As we previously mentioned in our response letters dated August 7, 2015, and August 25, 2015, the credit adjustments were made on [redacted] ’ accounts on August 7, You will see the $adjustment on his August 26, 2015, billing statement for the Macy’s store account, and the $ adjustment on the September 1, 2015, billing statement for his Macy’s [redacted] accountKindly allow seven (7) to ten (10) business days from the billing date for the statements to be delivered I was pleased to learn that you received the new Macy’s [redacted] card ending in As [redacted] is the only cardholder on his Classic Account, only one card was sent The Macy’s [redacted] credit card can be used for purchases inside and outside of Macy’s When the credit card is used at a register inside one of our Macy’s stores or at macys.com, the charges will be applied to the store account ending in *** This account number is listed on the monthly Macy’s billing statement When the credit card is used at a register outside one of our stores, the charge will be applied to the Macy’s [redacted] account ending in *** This account number is listed on the Macy’s [redacted] billing statement and is also printed on the credit card Separate statements are issued for each account and are sent approximately one (1) week apart [redacted] , I hope I have been able to clarify any issues you felt remained unresolvedShould you have any further questions, please call me directly at the phone number listed below Sincerely, Ms Randi P Macy’s Executive Office ###-###-#### Extension [redacted] cc: [redacted] ***, Revdex.com [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

Hi ***, We are in receipt of Complaint ID # [redacted] regarding the quality and price of our consumer's comparable bed selection In reviewing the consumer's concerns, the information provided regarding the cost of the original mattress set purchase and the cost of the comparable replacement were not correctly represented by the consumerI have provide the consumer with their original sales receipt and the pricing on the comparable bedding replacement for her reviewThe consumer is asking for the difference in a refund, but there is no differenceI have offered to refund the cost of her original mattress purchase and provide a 25% discount on a replacement mattress of her choice for all of the inconvenience she has experiencedI am waiting to hear back for acceptance of the offerThanks, Macy's Executive Office

June 2, [redacted] - [redacted] ** [redacted] Re: Revdex.com Complaint ID [redacted] Macys account ending in [redacted] Dear [redacted] -***: I am in receipt of your complaint filed with the Revdex.com, which was 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 (DSNB) Please be assured that the Bank is in compliance with all applicable credit laws and does not participate in fraudulent credit practices of any kind The terms of the DSNB Credit Card Agreement (“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 The account will be reported as late if two (2) consecutive payments are missed 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 In addition, you agree to notify us if your address or email address changes In researching this matter, I found that the billing statement for the period ending February 13, 2017, had a $balance, with a $minimum payment due by March 12, When no payment was received by this date, your account was charged a $late fee and a $interest charge in accordance with the terms of the Agreement The billing statement for the period ending March 16, 2017, had a $balance with a $minimum payment (including a $past due amount) due by April 12, When no payments were received, your account continued to be charged late fees and interest, and was reported as thirty (30) days past due to the credit reporting agencies Copies of your billing statements for the periods ending February 13, 2017, through May 16, 2017, are enclosed as reference We received your $payment on May 19, 2017, which brought your account current On May 21, 2017, we received a secure message regarding not receiving statements on your account Our representative removed a $in late fees and contacted technical support to verify how your statements were being sent As a result of that review, we sent you a letter dated May 23, 2017, (copy enclosed), stating that we are reporting the account history accurately to the credit reporting agencies My review also found that on May 30, 2017, an adjustment debit of $was made to the account As of the date of this letter, your account has a credit balance of $101.00, which may be used towards a future purchase, or, you may request a Credit Balance Refund by calling the number on the back of your card Our records show that we made numerous attempts to contact you by telephone at the number listed on your account starting on March 28, 2017, through May 12, 2017, and left a message for you on April 3, When our attempts to reach you by telephone failed, we sent you a letter dated May 15, 2017, (copy enclosed) to the billing address on file advising you of the past due status on your account In regards to your assertion that you had not received a billing statement for your February purchase, our records show that on September 11, 2015, you elected to receive electronic statement alerts to the email address [redacted] , which matches the email address on the account Your first billing notification was sent successfully on September 24, 2015, and I verified that the electronic billing statements for February through May were sent successfully to that email address On May 17, 2017, we updated the account to also receive paper statements until it became current I understand you are requesting that we modify the payment history associated with your Macy’s account It is the Bank’s policy not to remove any delinquency from your credit report, unless it occurred as a result of a billing or 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 customer Therefore, we are unable to accommodate your request to remove the delinquencies from your credit report However, our records show that on June 1, 2017, we instructed the credit reporting agencies to update their records and report your account as “customer disputes reporting” [redacted] -***, our position on this matter has not changed While we would like to respond favorably to every customer, that is not always feasible as we are required to maintain and adhere to specific policies and procedures to ensure all of our customer’s receive fair and consistent treatment If I may be of assistance in another matter, please call me at the telephone number listed below Sincerely, Janice DMacy's Executive Office ###-###-#### Extension [redacted] Enclosures // Mailed June 2, cc: [redacted] ***, Revdex.com

[redacted] *** [redacted] [redacted] October 10, [redacted] Re: Revdex.com Complaint ID # [redacted] Macy’s [redacted] account ending in *** (closed) Macy’s [redacted] account ending in [redacted] (lost/stolen) 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 sincere apology for any frustration you may have experienced as a result of this situation, and for the delay in resolving your issues In reviewing your account, our records indicate you called on August 8, 2016, to initiate a claim for the $charge made on July 16, At that time, we reported your Macy’s account ending in [redacted] as lost/stolen, and a new credit card ending in [redacted] was issued to prevent any additional unauthorized charges On September 25, 2016, you called and requested to close the account due to the fraudulent charge On September 28, 2016, our Consumer Protection Department credited the $charge, and removed the $late fee and $interest charge, resulting in a zero ($0.00) balance As of September 29, 2016, we cleared our internal records of any delinquency associated with this issue and requested that [redacted] , [redacted] , and [redacted] remove any delinquency associated with this issue from your credit file Please allow the agencies approximately thirty (30) days to make the necessary corrections to their files Until then, this letter will also serve as confirmation [redacted] ***, thank you for the opportunity to address your concerns We regret that this incident escalated to the point where you felt it was necessary contact the Revdex.com, and also caused you to close your Macy’s account Be assured that the security of our customer’s accounts and personally identifiable information is a high priority at Macy’s, and we have policies in place in order to comply with all Federal and State laws in our credit practices We hope you will consider this an isolated incident and give us another chance to serve you in the future If I may be of any further assistance, please do not hesitate to contact me at the number noted below Sincerely, Alison GMacy's Executive Office ###-###-#### Extension [redacted] cc: [redacted] ***, Revdex.com

[redacted] *** [redacted] February 8, [redacted] Re: Revdex.com Complaint # [redacted] 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 Per the enclosed Department Stores National Bank Credit Card Agreement, if you have been paying less than the New Balance 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 My review of this matter found that all interest was correctly charged in accordance with the Credit Card Agreement As of November 15, 2015, your account has been closed at your request and reflects a zero balance Although these fees were properly charged, we cleared our internal records of any delinquency associated with this issue since the delinquent balance was entirely fees and interest chargesI also confirmed that no negative information was reported for this time period to the Credit Reporting Agencies [redacted] , we understand that you have a choice in where to shop and we are sorry this misunderstanding has jeopardized our business relationship I hope you will reconsider the use of your account in the future and allow us the opportunity to renew your faith in Macy’s If I can be of assistance on another matter, do not hesitate to contact me Sincerely, Regina M Macy's Executive Office ###-###-#### Extension [redacted] Enclosures / mailed February 8, 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 me Regards, [redacted] As of today, May 4, 2017, I am satisfied with the response from the business Thanking you very much for your assistance

July 11, [redacted] ***Revdex.com CincinnatiE 4th StSte 600Cincinnati, OH 45202Re: Response to Revdex.com Complaint ID: # [redacted] Dear [redacted] ***: I am in receipt of the customer's complaintAs a representative of Macy's Executive Office, I was asked to review and respond to her concernsUnfortunately, I have been unable to speak to the customer directlyI have, however, investigated her concernsAs of 6-17-an adjustment credit of $and as of 6-29-an adjustment credit of $has been credited back to the original form of paymentA return credit of $has been credited as of 7-7-and will also be credited back to the original form of payment for a total refund of $I apologize for all of the confusion and inconvenience with this order and I remain available to the customer should she wish to reach me directlyBased on the above, we have responded to all concerns and consider this complaint closedThank youSincerely, Carrie R.Macy's Executive Office###-###-#### Extension ***

[redacted] *** [redacted] December 21, [redacted] Re: Revdex.com ID # [redacted] Macy's account ending [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 sincere apology for any frustration that may have been caused while trying to make purchases at macys.com using your Macy’s account noted above My research found that on September 8, 2015, your online purchase could not be processed because the card information entered at the time was expired That same day you spoke to a phone representative who requested a new card for you and transferred the call to macys.com to process the order Our records show that when you have attempted to activate your new card online at macys.com, that the process was not successful because the information entered did not match your new card In order to use your new card, you will need to complete the activation process If you continue to have trouble with the activation online, please contact our Technical Assistance team directly at ###-###-####, option 6, and a representative will be happy to assist you While I can certainly understand your frustration surrounding these events, it is not Macy’s policy to compensate for inconvenience of time Regrettably, we are unable to accommodate your request to credit your [redacted] account [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, Rhea B Macy's Executive Office ###-###-#### Extension [redacted] cc: [redacted] ***, Revdex.com

[redacted] *** [redacted] March 18, [redacted] Re: Macy's Account Ending in [redacted] Complaint ID: [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 I regret any concerns you may have experienced with the account referenced above Upon receipt of your complaint I reviewed the information Macy's is reporting to the three major credit reporting agencies The credit bureaus are showing the same account twice One account number references the revolving account (type 20) at the end of your account number ( [redacted] ) The other number reflects the last digits of the account number as shown on the credit card, including a security number (***) We have requested the credit reporting agencies delete the account number ending in [redacted] Please allow up to thirty (30) days for the agencies to modify their records to reflect the information contained in our request This account ending in [redacted] charged off on May 2, 2015, with a balance of $1,324.33, and is currently assigned to [redacted] an outside collection agency, for the outstanding balance Please contact [redacted] at ###-###-#### to establish payment arrangements Please do not hesitate to call me at the telephone number listed below if I may be of further assistance Sincerely, Nancy M Macy's Executive Office ###-###-#### Extension [redacted] cc: [redacted] The Revdex.com [redacted] *** The Macy's card is issued by Department Stores National Bank This is an attempt to collect a debt and any information obtained will be used for that purpose

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, William EA.Liaison, Omnichannel Executive Office | Macy's, IncDUKE BLVD | MASON, OH 45040Office: Phone: ###-###-#### Fax: ###-###-####

Dear [redacted] ***,We are in receipt of Revdex.com Complaint ID [redacted] We have resolved all matters as expressed in the complaintsBased on this, we consider this matter closed satisfactorily.Thank you

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 meMarjorie was wonderful to speak to and hopefully I won't have any further issues with Macy's Regards, [redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted] , and even though the resolution is not satisfactory to me, I will accept it as I will not be reopening my account with Macy's in the future Regards, [redacted]

March 12, [redacted] ***RE: Revdex.com Complaint ID # [redacted] Macy's Account Ending in [redacted] Macy's Star RewardsDear [redacted] :I am in receipt of your recent correspondence forwarded to us by the Revdex.comAs 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 goal is for every customer to have a positive and rewarding experience when dealing with Macy'sPlease accept my sincere apology for the difficulty you experienced regarding the award of your pending Star Rewards points, and for your interactions with Macy's Customer Service Department by telephone and on [redacted] .Please know that I have spoken with our Loyalty Department and confirmed that you have points pending in your Star Rewards account from your recent online purchasesCurrently, we are experiencing some systemic technical issues that are preventing the points from being fully issued to your Star Rewards accountBe assured we are working on a timely resolution to this issue, and we are thankful for your continued customer loyalty and patience.As a company that prides itself on providing exceptional products and services, we strive to go the extra mile for our customers and greatly appreciate our Platinum card holdersAs a thank you for your business, enclosed, please find a $Macy's Gift Card that can be used at any Macy's store[redacted] , thank you for bringing this matter to our attention and giving me the opportunity to respondI understand that you have not been able to speak with the Loyalty Department directly; if I may be of further assistance, please do not hesitate to contact me at your convenience.Sincerely,Durand C.Macy's Executive Office ###-###-#### Extension ***Enclosure

Dear [redacted] ***,We are in receipt of Revdex.com complaint number [redacted] I have processed an accommodation order for the place settings that were missingThe order did arrive on 1/17/per follwith the customerBased on this information we are considering this matter closed satisfactorilyThank youTheresa S.Liaison, Omnichannel Executive Office | Macy's, IncDUKE BLVD | MASON, OH 45040Office: ###-###-#### Fax: ###-###-####

May 15, 2017Dear [redacted] : Please accept my apology for any frustration you may have experiencedBe assured your complaint will be addressed when additional documentation requested from you 05/12/is providedIf you have questions regarding this letter or the information required to process your request, do not hesitate to contact me at the telephone number listed belowSincerely,Tara B.Macy's Executive Office###-###-#### Extension ***Tara B.Liaison, Omnichannel Executive Office | Macy's, IncDuke Blvd| Mason, OH 45040Office: ###-###-#### Fax: ###-###-####

I was able to get the refund in the form of a gift card yesterday from my local Macy's storeI would like to close this complaint and I am unable to do so on the websiteCan you please help me do the same?Also, I would like to thank you for all your helpHave a wonderful weekendBest regards, [redacted] ***

P.OBox Phoenix, AZ 85072- October 27, [redacted] Re: Revdex.com ID # [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 We sincerely regret any frustration you may have experienced concerning the above-referenced Macy’s account Our records show that on July 22, 2015, we received an alert from the credit reporting agencies indicating that we are to contact you at telephone number 000-000-in the event of a request to extend new or additional credit in your name and your account was updated with this information Because the phone number of 000-000-is not a valid number and we have no home number in our records, we were unable contact you as requested in the alert If you are disputing the accuracy of this information, please contact the credit reporting agencies directly In addition, when we attempted to email you the email address we have on file of [redacted] came back as undeliverable [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, Rhea B.Macy's Executive Office ###-###-#### Extension ***

October 2, *** [redacted] ** [redacted] Re: Revdex.com Complaint ID # [redacted] Macy’s [redacted] account ending in *** Macy’s account ending in [redacted] Dear [redacted] : I am in receipt of a complaint filed by [redacted] , with the Revdex.com and forwarded to Macy’s Executive Office As both of these accounts are individual accounts and listed in your name only, I am addressing my response to you As a liaison in this office, I was asked to review and respond to your concerns on behalf of Department Stores National Bank We sincerely regret any misinformation you may have received from our store associate regarding the need to upgrade your Macy’s store account to a Macy’s [redacted] On September 28, 2017, I forwarded your concerns to the Vice President Store Manager of Macy’s [redacted] , Elyse A., regarding this issue I was pleased to learn that she had contacted you and apologized for the confusionShe also confirmed that she will have discussions with all of her associates to ensure they are clear in their explanation when offering the Macy's [redacted] Card In addition, she offered to send you Macy’s Money as a gesture of goodwill Regarding your request to upgrade your Star Rewards level to the Platinum level, please know that each Macy’s account is independently reviewed for qualifying purchases, and accounts cannot be combined We are sorry for disappointing you in this matter [redacted] , thank you for bringing this matter to our attention and giving me the opportunity to respond Please do not hesitate to call me at the telephone number listed below if I may be of further assistance Sincerely, Rhea BMacy’s Executive Office ###-###-#### Extension [redacted] cc: [redacted] ***, Revdex.com