Macy's

[redacted]   [redacted]     December 13, 2016     [redacted]   Re:  Revdex.com Complaint ID [redacted]   Dear [redacted]:    I am in receipt of your additional correspondence which was 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. It is regrettable to learn that you feel our previous response did not adequately answer your concerns and that some misunderstanding may remain.  We are sorry for the continued frustration this has caused you, but we are required to adhere to specific policies and procedures so that all of our customers are afforded fair and consistent treatment.   As previously explained to you in our correspondence dated December 1, 2016, which I have enclosed for your records, we confirmed that the balance of your Merchandise Only Certificate (MOC) ending in [redacted] was transferred to a new MOC ending in [redacted] on November 1, 2016. Further research confirmed that the new MOC ending in [redacted] was fully redeemed during your purchase on November 10, 2016.  Therefore, we are unable to send you replacement certificate, or apply a credit to your account for any amount. I understand you are requesting some type of compensation; however, Macy's has addressed this matter and we do not provide compensation due to a misunderstanding.   [redacted], we realize that you have a choice of where to shop and we are sorry if this issue has jeopardized our business relationship.  If I may be of assistance in another matter, do not hesitate to call me at the telephone number listed below.   Sincerely,     Ebony M. Macy's Executive Office ###-###-#### Extension [redacted]   Enclosure   cc:  [redacted], Revdex.com        [redacted] Manager

February 14, 2017     [redacted]   Re: Revdex.com, Complaint ID [redacted]   Dear [redacted]:   I am in receipt of your additional comments filed with the Revdex.com, which were forwarded to Macy’s Executive Office.  As a liaison in this office, and because I am familiar with this matter, I was asked to review and respond to your concerns on behalf of Department Stores National Bank.    I was pleased to receive your voicemail on January 19, 2017, indicating your interest to resolve this matter.  I returned your call on January 20, 2017; however, you were not available, so I left a message with my contact information.  I apologize if this delay caused you any frustration.   I am pleased that on January 27, 2017, we finally connected.  It was a pleasure speaking with you!  As I advised during our conversation, with the information you provided, we were successful in submitting a request to the credit reporting agencies to remove the credit report inquiry from your report that originally appeared on August 26, 2016.  This request was transmitted to all three credit reporting agencies ([redacted], [redacted], and [redacted]) on January 27, 2017, and it may take up to thirty (30) days from this date for the changes to reflect on your credit report. This letter will serve as confirmation of our request in the interim.   [redacted], I appreciate you allowing me another opportunity to assist you.  Please be assured that at Macy’s, we are committed to serving our customers and strive to resolve issues that are brought to our attention.  If I may be of further assistance to you, please feel free to contact me at the telephone number listed below.   Sincerely,     Stephen C. Macy’s Executive Office ###-###-#### Extension [redacted]   cc:  [redacted], Revdex.com

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. Unfortunately, I have been unable to speak to [redacted] directly. I have, however, left her several messages regarding her concerns. To date, I have not had a response back from [redacted]. Based on the above, Macy's considers this complaint closed. Sincerely,   Colette O.Macy's Executive Office###-###-#### Extension [redacted]

[redacted]   [redacted]
February 18, 2016
[redacted]
[redacted]
[redacted]
Re:    Revdex.com Complaint ID [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.
According to the Department Stores National Bank 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 $38.00 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.
Your billing statement for
the period ending April 6, 2015, had a $124.13 balance with a $25.00 minimum
payment due by May 6, 2015.  We received
a $25.00 payment on May 6, 2015. 
However, this payment was returned to us unpaid by your bank on May 13,
2015 because the bank was unable to locate a checking account that matched the
number you entered online. This caused a $25.00 return check fee to be charged
to your account.  We received a $50.00
payment on May 14, 2015.  When we did not
receive any payments for the July 6, 2015, and August 6, 2015, due dates your
account was charged the applicable fees in accordance with your credit card agreement,
and we reported your account 30 days past due to the credit reporting agencies.
On August 30, 2015, we
received a $100.00 payment, which brought the balance on your account to
$109.22 with a $78.23 minimum payment due by October 6, 2015.  When we did not receive a payment by this due
date, your account was charged an additional late fee and interest charge,
bringing your account balance to $111.22 with a $111.22 minimum payment due by
November 6, 2015.  On October 10, 2015,
we received a $73.22 payment.  This
payment was less than the $111.22 minimum payment due; therefore, your account
continued to be charged additional fees and we reported your account as 30 days
past due to the credit reporting agencies. 
The billing statement for the period ending on November 9, 2015, had a
$78.00 balance with $78.00 minimum payment due by December 6, 2015.  When we did not receive a payment by this due
date, your account was charged additional fees and we reported your account 30 days
past due to the credit reporting agencies. 
On December 11, 2015, we removed a total of $118.00 in accumulated fees,
which brought your account to a zero balance.
Although the 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
charges after we received your $100.00 payment on August 30, 2015. We requested
that [redacted], [redacted] and [redacted] delete the late payment history for the
months of October and December 2015 from your credit report.  Kindly allow at least seven (7) to ten (10)
days for the agencies to modify their records to reflect the information
contained in our request.
Unfortunately, we are unable
to remove the 30 days delinquency reported for August 2015.  However, on February 8, 2016, we instructed
the credit reporting agencies to update their records and report your account
as 'customer disputes reporting'.
I am
aware you are attempting to improve your credit report by requesting that we
modify the payment history associated with the above referenced Macy’s
account.  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.  After researching the delinquency on your
account, we found the information to be correct. 
[redacted], while I understand this is not full
resolution you were seeking, we appreciate the time you took to contact us and
allowing me the opportunity to respond. 
If I may be of additional assistance, do not hesitate to contact me at
the telephone number listed below.
Sincerely,
Regina M.
Macy's Executive Office
###-###-#### Extension [redacted]
cc:  [redacted],
Revdex.com

[redacted],
We
are in receipt of Complaint ID [redacted] regarding the delivery fees applied to
the customer's order.   Macy's pricing
for furniture and mattress orders are not advertised as “delivery included”.  Our advertisements in store, online, and
through our mailings do...

advise that these types of orders may qualify for a
delivery charge. 
Additionally,
we are unable to authorize store pick-ups for furniture or mattress orders, as
the merchandise is not stocked in store. 
These orders are fulfilled through our distribution centers placed
throughout the nation. Due to this, a delivery service must be used to deliver
this type of merchandise to our customers, and a delivery fee must be applied.
However,
as a one time accommodation, we have issued a credit to the customer's original
form of payment for the delivery charge listed on the order.  The credit should post to the customer's
account within 14 business days.  Please
be advised that all Macy's furniture and mattress orders may qualify for a
delivery fee.  The customer can contact
our office with any other concerns regarding this matter.
Thanks,
Macy's
Executive Office

P[redacted]   [redacted]   July 14, 2016   [redacted]  [redacted]  [redacted]   Re:  Revdex.com Complaint ID [redacted] and [redacted]        Macy’s store account ending in [redacted]  Dear [redacted]:   I am in receipt of your complaints 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 frustration this matter may have caused you. Thank you for the courtesy you extended during our recent telephone conversation.   As we discussed, the payment of $155.13 was applied to your Macy’s account ending in [redacted] on May 18, 2016.  This payment appeared on your billing statement for the period ending May 26, 2016.   Additionally, the payment you mailed in the amount of $154.37 on June 13, 2016, was sent to an incorrect address.  This payment was the minimum amount due by June 22, 2016, as shown on your billing statement for the period ending on May 26, 2016.  This letter will confirm that your payment was received and applied to your account on June 28, 2016, and will appear on your next billing statement.  As a courtesy to you, we removed the $25.00 late fee from your account.  This situation had no negative impact on your credit report and your account is current with a minimum payment of $148.07 due by July 22, 2016.   [redacted], thank you for bringing this matter to our attention and giving me the opportunity to respond.  If I may be of additional assistance, feel free to contact me at the number shown below.    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 have determined that this does not resolve my complaint.  I didn't see the refund and my bank didn't see the money, either.
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.   
Apparently we are not going to get anywhere. I have noting to lose by not paying a debt that you created as you have already ruined my credit. As stated before, you will not see another dime from me. I did NOT change to electronic bill by my will. It was something that I missed in your online bill pay process and is unethical to do. You then did NOT notify me. Since you are unwilling to correct the wrong, you will then take the $300 I did owe as a loss. As stated before, it is now all about the principle of the matter and how you are screwing people over. I have news for you...YOU are NOT screwing over this veteran! Send it to your loss prevention department!
Regards,
[redacted] ###-###-####Additional comments received via email:I have been having trouble navigating the system and did not get to respond to the most recent letter as it did not come up until after I responded and now I am unable to make a response. [redacted] from [redacted] sent a letter stating that on Feb 14, I requested that a telephone number change from my home to a mobile number. I have not had a home phone since leaving my parent's house after returning from the military in 2005. I have had the same number since 2005 and only opened this Macy's account in 2016, therefore, there was no need for a phone number change as they had my phone number on file already, yet then never used it! I was never asked about being contacted on my cell phone number and therefore this is false. I would like to see or hear the proof in this matter to support their claims.The letter further claims that on July 7, I was notified by [redacted], a collection agency. This statement is true as this is what I have been saying from the start. This, 5 months later, is how I found out a bill was owed and that they did not receive my check. This is when I contacted Macy's to find out what happened and everyone was rude and would not talk to me which is why I came to you for assistance. If I need to open another Revdex.com because I cannot communicate my frustration with their lies and deceitfulness, I can do that. They keep repeating themselves and then coming up with things that never happened. I am not asking for much. I am just asking that my tainted credit report be restored and the extra charges that I knew nothing about due to their negligence be removed. Then I have no problem making the payment in full as I had done back in February/March which apparently they never received. Thank you, [redacted]

[redacted]   [redacted]   July 25, 2017     [redacted]  [redacted]   Re:  Revdex.com Complaint ID #[redacted]         Macy’s account ending in [redacted]...

(closed)   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 (DSNB).  Please accept my sincere apology for any for any frustration that you may have experienced regarding your above referenced Macy’s account.    Please be assured that the service you described receiving is 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, so that all of our customers’ questions and needs are addressed and resolved efficiently. It appears we may have fallen short of this goal when you were told we could not provide assistance until you made your payment.  I would like to thank you for the time you took to share this situation with us, as it provides us an opportunity to follow up with the appropriate action.   According to the terms of the DSNB Credit Card Agreement, we may report information about your account to the credit reporting agencies, which may include a credit limit, total balance due, minimum payment due and payment history.  In addition, we may review your account's payment history and activity, as well as information provided by outside credit reporting agencies, and increase or decrease your credit limit for any reason as permitted by law.  We will notify you of any change, but the change may take effect before you receive the notice.    My research found that all monthly statements were mailed to you at the address you provided as your billing address.  There is no record of returned mail, which suggests that you received the monthly billing statements for this account.    Our records indicate that on June 15, 2017, you requested we not contact you by phone, while speaking with an associate, and your account was coded “Do Not Call”.  When we did not receive a payment on the June 10, 2017, or July 10, 2017, due dates, your account was reported as thirty (30) days delinquent for the month of July 2017 to the credit reporting agencies.  Your account was brought to a current status when we received your $106.38 payment on July 18, 2017.  As of the date of this letter, your account has a balance of $178.96 with no minimum payment due.    In addition, on July 14, 2017, the account credit limit was lowered from $600.00 to $300.00.  I have enclosed a copy of your billing statements for the periods ending May 14, 2017, through July 14, 2017, as reference.  Regarding auto payments, we found no record of you registering for automatic payments on macys.com.  If you have automatic payments through another source, we are unable to verify that information.    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 to the credit reporting agencies, whether favorable or unfavorable, to the customer.  After my review of the delinquency on your account, I found the information to be correct; therefore, I am unable to remove the delinquency from your credit report for July 2017 as you requested.  However, on July 20, 2017, we requested the credit reporting agencies update their records and report your account as “customer disputes reporting”.   [redacted], we are sorry for disappointing you in this matter, but we must adhere to specific policies and procedures so that all of our customers are afforded fair and consistent treatment.  I regret this matter caused you to close your account.  If I can be of further assistance, please do not hesitate to contact me at the telephone number listed below.   Sincerely,  Rhea B. Macy’s Executive Office ###-###-#### Extension [redacted]   Enclosures / mailed on July 25, 2017  cc:  [redacted], Revdex.com

[redacted]   [redacted]
January 15, 2016
[redacted]
[redacted]
[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 $474.80 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
12 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 $2.00.  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

1/4/2015

$523.73

$188.74

$0.00

$712.47



2/4/2015

$712.47

$114.14

-$200.00

$626.61



3/4/2015

$626.61

$242.05

-$75.00

$793.66



4/4/2015

$793.66

$16.61

-$50.00

$760.27

X

5/4/2015

$760.27

$74.55

-$75.00

$759.82



6/4/2015

$759.82

$15.95

-$25.00

$750.77

X

7/4/2015

$750.77

$15.20

-$50.00

$715.97

X

8/4/2015

$715.97

$14.24

-$100.00

$630.21

X

9/7/2015

$630.21

$14.20

-$100.00

$544.41

X

[redacted]10/8/2015

$0.00

$555.52

-$35.00

$520.52

X

11/6/2015

$520.52

$9.12

-$125.00

$404.64

X

12/8/2015

$404.64

$7.60

-$77.00

$335.24



1/8/2015

$335.24

$250.51

-$110.95

$474.80



[redacted]Account was re-issued on October 10, 2015, the
previous balance of $544.41 was transferred from Macy’s Account ending [redacted] to
the new Macy’s Account ending [redacted]. 
Debits for cycle ending 10/8/2015 include the previous balance of $544.41,
and interest of $11.11.
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 [redacted].  During the process of this
replacement, the balance on account ending [redacted] was transferred to your current
account ending [redacted].
[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 73197
Enclosures / mailed Jan. 15, 2016
cc: [redacted], Revdex.com

P.O. Box 8220 Mason, OH 45040   January 18, 2018     [redacted], **  [redacted]   Re:  Revdex.com Complaint ID #[redacted]         Macy’s account ending in [redacted]   Dear [redacted]...

[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 (DSNB).  Please be assured that the Bank is in compliance with all Federal and State laws in our credit practices.    According to the terms of the DSNB Credit Card Agreement, if the minimum amount due is not received by the payment due date as shown on your monthly billing statement, a late fee and interest charge are applied to your account.  Furthermore, for any month the balance-in-full is not paid, interest charges are assessed based on the daily balance (including new transactions).  The minimum interest charge is $2.00.  In addition, we may report information about your account to the credit reporting agencies, which may include a credit limit, total balance due, minimum payment due and payment history.   Applying this billing policy to your Macy’s account, the $37.68 interest charge that appeared on your billing statement closing date of August 24, 2017, included interest assessed between the last period ending of July 24, 2017, and the date (August 23, 2017) that your $1,786.12 payment posted to your Macy’s account. When no further payments were received, the account continued to accrue interest charges and late fees and your account was reported past due to the credit reporting agencies.   Our records indicate that your Macy’s account is enrolled to receive electronic billing alerts to [redacted].  I have confirmed that the e-mail notifications were delivered and opened.  These statements show the balance due, minimum due, and payment due date.  Copies of your billing statements for the periods ending July 24, 2017, through December 24, 2017, are enclosed for your examination.   We received your payment for $145.04 on December 15, 2017.  Had you paid the $37.68 interest charge by the payment due date and not made any new purchases, you would have had a zero balance the next month and would not have been charged late fees or additional interest.  On January 7, 2018, while speaking with an associate, three (3) late fees were removed as a courtesy, resulting in a $103.00 credit balance.  You may use this towards future purchases or we will send a Credit Balance Refund Check if the credit has been on your account for sixty (60) days.  If you prefer that a check be mailed sooner, please contact our customer service department at the telephone number on the back of your Macy’s card.   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 report accurately, activity to the credit reporting agencies, whether favorable or unfavorable, to the customer.  Since the information we are reporting is accurate, we are unable to remove any delinquency from your credit report.  However, on January 10, 2018, we requested the credit reporting agencies update their records and report your account as “customer disputes reporting”.   [redacted], we are sorry for disappointing you in this matter, but we must adhere to specific policies and procedures so that all of our customers are afforded fair and consistent treatment.  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]   Enclosures   cc:  [redacted], Revdex.com

January 09, 2017  [redacted]Marketplace Resource ConsultantCincinnati Revdex.com  re: Revdex.com Complaint ID: [redacted] 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 complaint. Based on this, we consider the matter closed satisfactorily. Thank you. Sincerely,   Marjorie B.Macy's Executive Office###-###-#### Extension [redacted] cc: [redacted]

January 19, 2017     [redacted]  [redacted] Re:    Revdex.com, Complaint ID [redacted]          Macy’s account ending in [redacted] (formerly ending in [redacted])   Dear [redacted]...

[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.   We regret learning of the recent unauthorized activity on your Macy’s account where items were delivered to your address.  Additionally, it is disappointing to learn that when you called to report these transactions and obtain assistance in returning the items that you may have been provided misinformation.   I have forwarded your complaint and this letter to the management of the involved parties so that additional training of our procedures can be provided to the representatives.  I am pleased to see that we were able to issue you return labels and the mail carriers picked up the packages from your home.   I reviewed your Macy’s account and confirmed that your account was closed on December 29, 2016.  In addition, on January 19, 2017, the fraudulent charges totaling $956.22 were removed from your account.  Please allow approximately seven to ten business days for these credits to post.  In addition, as a courtesy to you, we have also removed a $27.00 late fee you were previously charged as well as $15.18 in interest.  The remaining balance of $242.72 on your Macy’s account consists of the legitimate transactions made on your Macy’s account prior to the fraud and also includes your recent payments totaling $211.57.    In reviewing this matter, I found that the $30.00 in Macy’s Money located in your macys.com wallet prior to the unauthorized orders was also redeemed.  We want to ensure you are able to take advantage of the Macy’s Money you qualified for; therefore, I have enclosed $50.00 in Macy’s Money as a gesture of goodwill.   [redacted], thank you for bringing this matter to our attention and allowing me the opportunity to respond.  Please accept my personal apology for any inconvenience or frustration this matter may have caused you.  Should you require any further assistance, please do not hesitate to contact me at the phone number below.   Sincerely, Stephen C. Macy's Executive Office ###-###-#### Extension [redacted]   Enclosures / mailed January 19, 2017   cc:  [redacted], Revdex.com       Macy’s Customer Service Management

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.   
The business response is correct in regards to my [redacted] report being corrected (missed payment removed) and the [redacted] and [redacted] still show the missed payment. I will not be satisfied until all reporting agencies have removed the missed/late payment. I keep being asked to wait and I am getting inpatient. If I owed money to Macy's I doubt they would be as patient as they are asking me to be. 
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]   [redacted]
April 20, 2016
[redacted]
[redacted]
[redacted]
Re: Macy's Account Ending in
7566
    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
have been advised by our Fraud Department that they have not received a police
report as of the date of this correspondence. 
Unfortunately no further investigation can occur until we receive a copy
of that report.  In order to expedite
this process, please fax a copy of the police report directly to my attention
at ###-###-####, and I will forward it to the Fraud Department personally.  Once the police report is received our Fraud
Department will review the claim further.
[redacted], thank you for 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.
This is an attempt
to collect a debt and any information obtained will be use for that purpose.

[redacted]   [redacted]       July 1, 2016   [redacted]   Re:  Revdex.com Complaint [redacted]        Macy’s [redacted] account ending in [redacted] (closed)        Macy’s account ending in [redacted] (open)   Dear [redacted]:    I am in receipt of your additional complaint filed with the Revdex.com and forwarded to Macy’s Executive Office.  Since I am familiar with your original complaint, I was asked to review and respond to your additional concerns on behalf of Department Stores National Bank.    In reviewing your Macy’s account ending in [redacted], I found that the billing statement for the period ending December 24, 2015, had a $27.00 return check fee, a $27.00 late fee, and a $4.27 interest charge.  The return check fee was issued on December 23, 2015, and systemically removed the same day.  The $27.00 late fee was credited on February 9, 2016, during a telephone call with a representative, and I removed the interest charge of $4.27 on June 22, 2016.  The billing statement for the period ending January 24, 2016, had a $37.00 late fee and an interest charge of $6.54.  I credited the $37.00 late fee on May 19, 2016, and the $6.54 interest charge on June 22, 2016, resulting in a credit balance of $10.81.  I have taken the liberty of requesting a credit balance refund check for this amount.  You should receive the check at the address listed above in seven (7) to ten (10) business days.   Upon review of your Macy’s [redacted] account ending in [redacted], I found the billing statement for the period ending December 30, 2015, had a $27.00 late fee and a $2.44 interest charge.  The $27.00 late fee was credited on February 9, 2016, during a telephone call with a representative and I removed the $2.44 interest charge on June 22, 2016.  The billing statement for the period ending January 29, 2016, had a $37.00 late fee, that was credited on June 20, 2016, and a $3.22 interest charge that was removed on June 22, 2016. The billing statement for the period ending February 28, 2016, had a $2.00 interest charge that I credited on June 20, 2016.  A credit balance refund check for the amount of $39.00 ($37.00 late fee and $2.00 interest charge) was sent to you under a separate cover on June 21, 2016. An additional credit balance refund check of $5.66 for the remaining interest charges has been requested. Please allow seven (7) to (10) business days to receive this check as well.   Additionally, the mailing address on your Macy’s account has been established to your [redacted] address, listed above.  All statements and letters will be sent to this address until an address change is requested.   [redacted], thank you for bringing this matter to our attention and giving me the opportunity to respond.  Feel free to contact me at the telephone number listed below if I may be of assistance on another matter.   Sincerely,     Stephanie C. Macy's Executive Office ###-###-#### Extension [redacted]   cc:  [redacted], Revdex.com

July 19, 2017[redacted]Revdex.com Cincinnati1 E 4th StSuite 600Cincinnati, OH 45202Re: Response to Revdex.com Complaint ID: # [redacted]Dear [redacted]: I am in receipt of the customer's complaint ID # [redacted]. Upon further review of this matter, we have confirmed the customer had previously been offered adjustments in different amounts, and we have honored the highest adjustment of $89.22. We have confirmed that adjustments totaling $89.22 have been issued to her account. We had previously refunded the adjustments of $25.23 on 6-17-17 and $24.13 on 6-29-17 for a total adjustment refund of $49.36. After speaking to [redacted], I refunded the difference of $39.86 on 7-14-17, for the total adjustment of $89.22. Based on the above, we have responded to all concerns and consider this complaint closed. Once again, I apologize for the inconvenience and thank you for the opportunity to address the customer concerns. Thank you. Sincerely,Carrie R.Bloomingdale's Executive Office###-###-#### Extension [redacted]

August 9, 2017   [redacted]   Re: Revdex.com, Complaint ID [redacted]         Macy’s account ending in [redacted]   Dear [redacted]:   Your complaint filed with the Revdex.com 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).   On September 6, 2011, you opened your Macy’s account and immediately made a purchase.  After the “New Account Discount,” you had a new balance of $67.00.  A payment was never made on this account and per the terms of the DSNB Credit Card Agreement, you were charged late fees and interest.  Your account eventually charged off on April 9, 2012, with a balance of $299.71.   Due to the age and charged off status of your account, we cannot accept payments by phone.  We can only accept voluntary payments mailed to our voluntary payment address, which is [redacted].   Please know, the Bank does not participate in “pay for deletion” arrangements.  Your account will continue to report to the credit reporting agencies until the reporting expires 6 years and 9 months from the first date of delinquency.  However, if you pay in full before that time, we will inform the credit reporting agencies that your account has been paid in full.   I understand this matter may be causing complications with your home loan and while we strive to respond to all customers favorably, this is not always possible.  As a creditor we must accurately report payment history and account performance to the credit reporting agencies whether favorable or unfavorable to a consumer.  Respectfully, we are unable to accommodate your request to delete this account from your credit report as we must adhere to strict procedures to maintain compliance with credit laws and regulations.  I hope you can understand our position although it may differ from your own.   Thank you for bringing this to our attention and allowing me the opportunity to respond. If I may be of further assistance to you, please feel free to contact me at the telephone number listed below.   Sincerely,     Stephen C. Macy’s Executive Office ###-###-#### Extension [redacted]   cc:  [redacted], Revdex.com

Dear [redacted], I am addressing this issue on behalf of Macy's Executive Office. Thank you for your courtesy when we spoke. Please accept my sincere apology for any inconvenience you experienced when you had to place a second order. I have issued a return label for you for order number...

[redacted]. I have placed a new order for you with the items you requested. You're new order number is [redacted]. I have also expressed shipped this to you, you will receive this on December 06, 2016.  [redacted], thank you for bringing this issue to our awareness and allowing me to respond. If I can be of further assistance, please do not hesitate to contact me at the telephone number listed below. Sincerely,  Dakota B.| Omnichannel Presidential CorrespondentOmnichannel Selling and Service Escalation Team | MCCS Executive OfficePhone: ###-###-#### | Fax: ###-###-#### | Email: [redacted]