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.  For your reference, details of the offer I reviewed appear below.
I have not disputed any charges, what I am disputing is the inability on your part to extract the money from my bank, which you had been doing for a while and continue to do today!  My account has always been on autopay and there has always been funds in the bank account. It is unknown to me why the payment request did not go through, it must have been an issue on the part of Macy's billing department that caused this bill to go delinquent! The person that called me on the phone could not figure it out, nothing has changed with my bank account, I have had the same bank account for 26 years and have been using it to autopay all my accounts, with all the payment requests being initiated at the vendor, no payments are initiated by my bank, to avoid issues and being late. I also like paying the full balance just before the due date! I really care for my credit and do not take it lightly when a negative mark is placed on it when I have always had the intentions to pay, pay on time, and pay in full!!
Regards,
[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 am not satisfied with Macy's response nor offer. First the time frame it took Macy to respond to my complaint for which Sharon acknowledged took to long Second to offer me 10% on purchase of any mattress and/or bedding furniture after I already told Sharon I had purchase said mattress else where is ridiculous! Macy's did not address the issue of charging my credit card of $2037.82,while not delivering me a mattress and holding my funds for six days then returning all with the exception of $1.50 back to my account.Macy's then four days later returned the $1.50.Macy's used my funds without my permission while not providing me a service! I want compensation for this use.
Regards,
[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.  To date this mattress is still causing us much discomfort. I cannot believe they will not let us return an item that we are extremely dissatisfied with...especially one that is causing us bodily discomfort. An item that we have to sleep on night after night.Macy's offered to send out a technician in a months time to reevaluate the mattress for defects. This is absurd...we have been uncomfortable for over 7 months already!They also offered to give us a discount on the one we have now, but what good will that do? We will still own it and we will still owe $500 on it, PLUS we will have to buy another one. This is unacceptable!
Regards,
[redacted]

[redacted]   [redacted]
March 4, 2016
[redacted]
[redacted]
[redacted]
Re: Macy's Account Ending in
[redacted]
Dear
[redacted]: 
I am
in receipt of a recent complaint filed on your behalf with the RevDex.com regarding your Macy's Account ending in [redacted].  As a liaison in Macy's Executive 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 in your attempts to
gather information about your Macy's account referenced above.  As requested, I am enclosing copies of our
previous correspondence related to this complaint, dated November 22, 2015,
December 15, 2015, and January 11, 2016.
As
of the date of this letter, the below information is currently reporting for
this account.
Open
Date:                  December 23, 2007
Last
Purchase Date:     November 6, 2009
Last
Payment Date:     August 30, 2011
Charge-off
Date:         May 28, 2011
Balance:                      $125.88
If
you believe this account was fraudulently opened, we will need a completed
Statement of Fraud (enclosed) to be returned to us within thirty (30) days of
the date of this correspondence. 
**.
[redacted], 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]
Enclosures
cc: Revdex.com
    [redacted]
   Complaint ID: [redacted]  
The Macy's card is issued by Department Stores
National Bank.

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] [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. 
Regards,
[redacted]

May 1, 2017   [redacted]   Re:  Revdex.com Complaint ID #[redacted]         Macy’s store account ending in [redacted] (closed)   Dear [redacted]:   I am in receipt of the complaint...

you filed with the Revdex.com, which was forwarded to Macy’s Executive Office.  As a representative in this office, I was asked to review and respond to your concerns on behalf of Department Stores National Bank (DSNB).   According to the DSNB Credit Card Agreement, a late fee is added for each billing cycle you fail to pay the Minimum Payment Due by the payment due date.  The fee will be $27.00; or $37.00 for any additional past due payment during the next six billing cycles after a past due payment occurred.  Interest is charged each month the account carries a balance.  The minimum interest charge is $2.00.  My review of this matter found that all interest and fees were correctly charged to your Macy’s account in accordance with the Credit Card Agreement.    Applying this billing policy to your account, for the billing statement ending February 13, 2017, your account balance was $42.04 with a minimum payment of $27.00 due by March 12, 2017.  When no payment was received by that date, a $27.00 late fee was charged in accordance with the Credit Card Agreement.  The $2.00 interest charge that appeared on the billing statement for the period ending April 14, 2017, included interest for the funds loaned to you between the last bill date of March 16, 2017, and the date (March 28, 2017) that your $67.62 payment was applied to your account.  As a courtesy to you, the $2.00 interest charge was removed on April 18, 2017, when you called our Customer Service department.  As of April 25, 2017, your account was closed per your request, and has a zero ($0.00) balance.    [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.  We hope you will reconsider being a Macy’s card holder in the future. Please do not hesitate to call me at the telephone number listed below if I may be of further assistance.   Sincerely, Monique Moore Macy’s Executive Office ###-###-#### Extension [redacted]   cc: [redacted], Revdex.com

[redacted]   [redacted]         July 11, 2017     [redacted]  [redacted]   RE: [redacted] – Case #[redacted]        Revdex.com Complaint ID #[redacted]        Macy’s Store Account ending in [redacted]   Dear [redacted]:    I am in receipt of your complaint filed with the [redacted]) and the Revdex.com (Revdex.com) which were forwarded to Macy’s Executive Office on June 28, 2017.  As a representative in the Executive Office, I was asked to review and respond to your concerns on behalf of Department Stores National Bank (DSNB).  We sincerely regret any inconvenience this matter may have caused.    We have no record of receiving any disputes from you or the credit reporting agencies on the dates identified in your complaint or at any other time.  The above-referenced account was opened on January 26, 2011, and closed on July 26, 2011, by the creditor, DSNB, because payments were not received as required by the terms of the DSNB Credit Card agreement.  Our records indicate that the last purchase date was March 1, 2011, and the last payment was received on March 26, 2011.  There is no record of returned mail, which suggests that the monthly billing statements for this account were successfully delivered to the address you provided.   For validation of the debt incurred on this Macy’s account, enclosed are copies of the billing statements for period ending January 26, 2011, through December 26, 2011, and available purchase and payment receipts for the same time period.  The Annual Percentage Rate and principal balance are noted on each monthly billing statement.    By using the account, you consented to be bound to the terms of the Agreement, which includes a promise to pay for all purchases, as well as the late fees and interest charges.  We are satisfied that you incurred these charges on this account, all fees were properly assessed, and no adjustments will be made.    Due to serious delinquency, the account charged off on October 26, 2011, with a balance of $372.35, and we reported your Macy’s account as an unpaid, charged off account to the credit reporting agencies.  A charged-off account reports to the credit reporting agencies for a maximum of seven (7) years from the date of first delinquency that led to charge off, which in your case was April 26, 2011.  Under the federal Fair Credit Reporting Act, it is the credit reporting agency that is responsible to remove information from the credit report, not the credit grantor.    Although we are unable to remove this information from your credit report, on June 29, 2017, 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 on another matter, feel free to contact me at the telephone number listed below.    Sincerely,     Nadine R. Macy's Executive Office ###-###-#### Extension [redacted]   Enclosures mailed under separate cover   cc:  [redacted] cc:  [redacted], Revdex.com

July 15, 2016  [redacted] [redacted] [redacted] Re:  Revdex.com Complaint ID [redacted]         Macy’s [redacted] account ending in [redacted]         Macy’s store account ending in [redacted] Dear [redacted]:  We are in receipt of the follow up to your complaint filed with the Revdex.com.  Since I had responded previously, I was asked to reply to your inquiry on behalf of Department Stores National Bank.  Thank you for the courtesy you extended in our recent telephone conversation.  I regret any confusion that may have remained in this situation.  As we discussed, your purchase of $30.08 made on April 12, 2016, was charged to your Macy’s store account.  However, your in-store cash payment of $30.08 that same date was applied to your Macy’s [redacted] account in error by the store associate.  The correction was made on May 4, 2016, which brought your Macy’s store account to a zero balance.  However, this increased the balance of your Macy’s [redacted] account by that amount as well.  This letter will confirm that your payment of $99.19 was received on July 13, 2016, which was the full balance of your [redacted] account, and both accounts are closed with zero balances.   [redacted], thank you again for allowing me to respond.  Feel free to call me at the telephone number noted below if I may be of assistance in the future.   Sincerely, Michael J.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 find that this resolution is satisfactory to me. 
Regards,
[redacted]

[redacted]   [redacted]       June 13, 2017   [redacted]  [redacted]   Re:  Revdex.com Complaint ID #[redacted]         Merchandise Return ...

  On behalf of Macy’s, Inc.:   Contact Date with Customer:  June 12, 2017   Complaint Summary:  [redacted] purchased two bras for her granddaughter and after wearing them three or four times the underwire popped out.  She took them to the store but they refused to give her a refund or exchange them because they were not in sellable condition.  She wants a refund or exchange.   Resolution:  I called [redacted] and apologized for her experience.  She indicated she had spoken with an associate in Macys.com and they were sending her a return label for the bras.  Once the merchandise is returned, they will credit her account.    [redacted] stated she was satisfied with the resolution and I thanked her for the courtesy of speaking with me today.  I advised her to contact me directly in the future if I can be of any further assistance.   Sincerely, Rhea B. Macy’s Executive Office ###-###-#### Extension [redacted]   cc: [redacted], Revdex.com

[redacted]   [redacted]           February 20, 2017       [redacted]  [redacted]   Re: Macy's [redacted] Account ending in [redacted] (former Macy's Store Account ending in [redacted])...

  Dear [redacted]:    I am in receipt of the complaint you filed with the Revdex.com.  As a representative of Macy's Executive Office, I was asked to review and respond on behalf of Department Stores National Bank.    I regret any inconvenience you may have experienced regarding the receipt of statements, the reporting of the above-referenced account to the credit reporting agencies and the fees that were assessed to your Macy's account.  I can understand your frustration and disappointment and I am truly sorry.   On December 14, 2011, our records show that you opened the above referenced Macy’s store account ending in [redacted], which included the Macy’s [redacted] account ending in [redacted].   On June 20, 2015, a notice was sent to you to inform you of a change in terms to your Macy's [redacted] account ending in [redacted].  The letter explained that you would no longer have two separate lines of credit with Macy's (one for in-store purchases and one for purchases made outside of Macy's).  The former two lines of credit would be combined into one single line of credit and you would be sent only one monthly billing statement for all of your purchases inside and outside of Macy's under the [redacted] number ending in [redacted]. The letter further explained that the Macy's store account ending in [redacted] would be closed when this change took effect on July 27, 2015.  In review of the account, we determined the monthly statements were sent to an invalid address; therefore, the U.S. Postal Service returned the monthly billing statements.  As a result, you did not receive the monthly billing statement for the billing closing date of October 23, 2015, which reflected the purchases you made on September 25, 2015, and the additional purchases you made on September 28, 2015, and October 11, 2015, for total purchases in the amount of $211.48.  We have removed late charges in the amount of $250.00 and interest charges in the amount $49.27, from the account, leaving a remaining merchandise balance of $211.48 owed on your account.  I have enclosed the monthly statement with the closing date of October 23, 2015, which reflects these transactions.   As of the date of this letter, your balance is $211.48.  You can make this payment via the normal payment options or send directly to me at the address listed above.      We will also instruct the credit reporting agencies to update their records to report your account as closed by consumer and remove the delinquencies for the time periods December 2015 to the May 2016.  Please allow the credit reporting agencies up to thirty (30) business days to process our request.   [redacted], thank you for bring this matter our attention and giving me the opportunity to respond.  If I may be of further assistance, please contact me.   Sincerely,     Diane M. Macy's Executive Office ###-###-#### Extension [redacted]   Enclosure (enclosure sent by mail to customer)   cc: [redacted]       Revdex.com       Case# [redacted]  This is an attempt to collect a debt and any information obtained will be used for that purpose.[redacted] is a federally registered service mark of [redacted] and is used by Department Stores National Bank pursuant to a license. This credit card program is issued and administered by Department Stores National Bank.

November 22, 2017   [redacted]  [redacted]   Re: Revdex.com Complaint ID [redacted]      Macy’s account ending in [redacted] (closed)   Dear [redacted]:   I am in receipt of your Revdex.com 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 (DSNB).    Your complaint indicated that you updated your address with Macy’s on your billing statement when you moved in March of 2015.  Upon review of your account, I see that you had account balances that were billed on October 22, 2014, and again on April 25, 2016, but you did not have a billed balance on your account for any part of 2015.  We do not have record of an attempt to notify Macy’s of your change of address, and we have not received any return mail for your account.  Unfortunately, notifying the post office of your address change is not considered an attempt to notify the creditor. As stated in the DSNB Credit Card Agreement (Agreement), you must notify Customer Service of a change in address.    By using the account, you consented to be bound to the terms of the Agreement, which includes a promise to pay for all purchases, as well as the late fees and interest charges.  The Agreement states that, “We may add a late fee for each billing cycle in which you have a past due payment.  For late fee purposes, you have a past due payment any time you fail to pay the Minimum Payment Due by the payment due date”.  Your account charged off on November 27, 2016, with a balance of $528.36 which consisted of $230.95 in merchandise, $249.00 in late fees, and $48.41 in interest charges.  Although the late fees and interest charges were accurately assessed, we will be removing $111.00 in late fees and $21.20 in interest charges as a courtesy.  Your payment of $230.94 has been applied, and after the adjustments listed above have been completed, the remaining balance due on your account will be $165.22.    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.  Since the information we are reporting is accurate, we are unable to remove the delinquency from your credit report.   [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. Macy’s Executive Office ###-###-#### Extension [redacted]   cc: [redacted], Revdex.com

February 8, 2016
[redacted]
1 E Fourth St.
Cincinnati Revdex.com
Cincinnati, OH 45202
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 customer. We have reviewed the complaint
and have taken the following actions to resolve concerns as expressed. We have
credited the customer in the amount of $16.41. 
Based on this, we consider the matter closed satisfactorily. Thank you.
Sincerely,
Jan B.
Macy's Executive Office
###-###-#### Extension [redacted]
Cc [redacted]

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]

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]

[redacted]
June 11, 2016
[redacted]
Re: Macy's Account Ending in [redacted]
Complaint ID [redacted]
Dear [redacted]:
I am in receipt of your additional concerns 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.
After receiving my response dated May 16, 2016, you contacted me by telephone on June 7, 2016. It was a pleasure speaking with you and I appreciate the courtesy you extended. During our conversation, you explained that you had once lived at [redacted], but the address we had on file, and the address to which your statements were mailed, was [redacted], which you stated is a non-existent address. With this new information, I did some further research and found that the United States Postal Service has no record of that address. Due to the length of time that has elapsed we are not able to determine the source of the incorrect address that was listed on the account. Therefore, we will remove fees totaling $6.00 to bring the account balance back to the original amount of $25.55 for the purchase made on May 9, 2010. You may mail a payment in that amount to my attention at the address shown above, and I will ensure that the payment is applied directly to the account.
Additionally, we will clear our internal records of any delinquency associated with this issue, and will instruct the credit reporting agencies to update their records and delete any history of delinquency from the time period of June 2010 through June 2016. Please allow the agencies thirty (30) 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. 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
The Macy's card is issued by Department Stores National Bank.

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.  I had spoke to Sharon on 3/23/18 and she was to contact me the following Monday 3/26/18 to arrange the delivery but as of today I haven’t heard back from her.
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
his concerns regarding his Macy's money and the cancelled item from macys.com
order number...

[redacted].  I have spoken
to [redacted] directly in order to discuss resolution for his inconvenience.  As a result, new order number [redacted]
was placed for him as an accommodation. 
He will also receive a new gift card in the amount of $9.95 to reimburse
him for the shipping fee on the original order. 
Based on the above, Macy's considers this matter resolved and closed
satisfactorily.
Sincerely,
Tonie R.
Macy's Executive Office
###-###-#### Extension [redacted]

Dear
[redacted]: 
I am
in receipt of complaint ID number [redacted] for [redacted].  As a representative of Macy's Executive
Office, I was asked to review and respond to their concerns.  I have been unable to reach the customer
directly. However, I was able to leave...

a detailed message on December 12, 2015
letting her know we will honor the price of $89.99 for web id number
451491.  Unfortunately, as of today, the
item is now no longer available and we have not had a return call from Ms.
[redacted].  Based on the above, Macy's
considers this matter closed.
Sincerely,
Tonie R.
Macy's Executive Office
###-###-#### Extension [redacted]