Macy's

The Macys representative previously stated that she would be sending me a [redacted] Home when it was back in stock. She stated this in her correspondence on the Revdex.com website and again on a voicemail I received from her. I have been waiting for weeks for her to make good on her offer and even though the item has been restocked, she has now decided to retract her offer. I don’t understand how Macys can consider a matter settled if they do not follow through with their resolutions. 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]

MacysP.O. Box 8220 Mason, OH 45040April 23. 2018[redacted]RE: Revdex.com case ID#[redacted]Macy's Account ending in [redacted] (lost/stolen) Macy's 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 on April 9. 2018. As a liaison in this office, I was asked to review and respond to your concerns on behalf of Department Stores National Bank (DSNB).I regret any inconvenience you may have experienced regarding the fraudulent charges on the above referenced Macy's account. I can understand your frustration with the events that occurred, and the time delay for clearing the charges. I realize this must be very upsetting for you and I am truly sorry.Upon receipt of your complaint. I reviewed your account. I learned that there was a new account opened in your name on May 19, 2017. On the same day, there were purchases made in the amount of $239.58. Since this was purchased on a new account there was a discount, resulting in a balance of $191.71. The following month, on June 17, 2017, there were purchases in the amount of $291.57, along with a late fee of $27.00 and interest of $9.48. bringing the balance to $519.76. Our Fraud department cleared the transaction of $239.58 from your account during the first investigation but did not deem the following purchase of $291.57 fraud as it was not listed on the statement of fraud that you provided.I contacted our Fraud department and requested that an investigation be completed. I'm pleased to report that they have deemed the purchase or $291.57 fraudulent. Our Fraud department mailed you a confirmation letter, which will arrive within fourteen (14) business days. In addition, we requested that the credit reporting agencies delete any history of the fraudulent balance. This letter will serve as confirmation of this request. Please allow the credit reporting agencies approximately thirty (30) days to make the necessary corrections to their filesThere are currently two accounts issued in your name. This consists of a Macy's [redacted] account ending in [redacted] and a Macy's Store account ending in [redacted]. Please know that each has two separate statements and cards. There is currently a zero ($00.00) balance on both of the accounts.Thank you for bringing this matter to our attention and giving me the opportunity to respond. If I may of additional assistance, please do not hesitate to contact me at the number listed below.Sincerely.Briana D. Macy's Executive Office###-###-#### Extension [redacted]Cc: [redacted]. Revdex.com

[redacted]   [redacted]     October 18, 2016     [redacted]   Re:  Revdex.com 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. Please accept my sincerest apology for any frustration or inconvenience that this matter may have caused you. Please be assured that Macy's stands behind its merchandise and we are sorry that your perception of the information on the back of the packaging was that the merchandise was expired.  We can assure you that it was not expired, and we regret if you misunderstanding led you to feel otherwise.   Upon researching your inquiry, I confirmed with [redacted], that the dates you referenced on the packaging of the capsule are not expiration dates, they are production dates, and “best if used by dates”. The packaging states a date that refers, to “Best if used by”, however the capsules do not expire.  [redacted] guarantees that your coffee will remain fresh up to 13 months after the best if used by date.  They are hermetically sealed meaning that no air, moisture, or sunlight can penetrate them unless they are punctured.  They do not expire, however the quality lessens the longer the capsules are not used. They are safe to consume after the Best Before date. To confirm the information above, please contact [redacted] Customer Service at ###-###-####, Monday through Friday from 9AM to 5PM Eastern Standard Time.  If you are unhappy with your purchase selection, you can take the original packaging along with the proof of purchase back to your nearest Macy's store and request a refund.  Also, on your purchase receipt the [redacted] maker is the first item that appears on the receipt with the UPC number [redacted].   [redacted], thank you for bringing this matter to our attention and giving me the opportunity to respond.  Unfortunately, as Macy’s does not compensate for misunderstandings, I must respectfully decline your request.  I hope you can understand our position in this matter although it may differ from your own.  We realize that you have a choice of where to shop and it is regrettable if this misunderstanding has jeopardized our relationship.  I hope you will allow Macy’s to exceed your expectations in the future.  If I can be of further assistance, please do not hesitate to contact me at the telephone number listed below.   Sincerely,     Ebony M. Macy's Executive Office ###-###-#### Extension [redacted]   cc:  [redacted], Revdex.com

[redacted]
 
 
 
September 24, 2015
 
 
[redacted]
[redacted]
[redacted]
 
Re:  Consumer Financial Protection Bureau – Case #[redacted]
      ...

 RevDex.com complaint ID[redacted]
        State
of [redacted] Attorney General - Consumer Protection – [redacted] - [redacted]
        Macy's
account ending in 4199 
 
Dear [redacted]: 
 
I am in receipt of your
complaints filed with the Consumer Financial Protection Bureau (CFPB), RevDex.com (Revdex.com), and State of [redacted] Consumer Protection.  Your correspondence was forwarded to Macy's
Executive Office, where as a liaison, I have been asked to review and respond
to your concerns on behalf of Department Stores National Bank.  We sincerely regret any frustration you may
have experienced related to your Macy's account noted above.  
 
My review confirmed that, as
stated in your complaints, our Fraud Claims Department completed their investigation
regarding your claim that the Macy’s account referenced above was fraudulently
opened in your name.  You were notified in
a letter dated March 7, 2015, which you attached to your complaint, that your
claim was denied.  The decision was based
on the length of time since the account was opened, past account activity, payments
received and other information documented on the account.  Our records also verified that the number on
the [redacted] driver license (# [redacted]) you presented as identification to open
the account on August 5, 2012, matches the number on the copy of your driver
license you provided in the CFPB complaint. 
 
Also, for an application for
a joint account, both applicants must be present at the register.  When the account application was approved,
the account was immediately used to purchase furniture, which was delivered to
your home address as matches the address on your complaint.  I have included a copy of the application for
your review, along with billing statements from August 2012 to August 2015, and
available copies of checks used to make payments to your account.  This account was closed on December 9, 2014,
due to serious delinquency.  The Total
Balance is $3,073.51, with a $520.99 minimum payment due by September 25, 2015.
 
Since our research confirmed
that the account information is correct, we are unable to accommodate your
request to remove your name from this account and your credit report.  Additionally, on November 5, 2014, we
instructed the credit reporting agencies to update their records and show your
account as “customer disputes reporting”. 
 
While we would like to
respond positively to every customer, it is not always feasible.  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 consumer. 
We are required to adhere to certain policies and procedures so that our
customers nationwide receive fair and consistent service.  Feel free to contact me at the telephone
number listed below if I may be of any further assistance. 
 
Sincerely,
 
 
Michael J.
Macy's Executive Office
###-###-#### Extension [redacted]
 
Enclosures /mailed September 24, 2015
 
cc:  Consumer Financial Protection Bureau
       [redacted], Revdex.com
       [redacted], Consumer Specialist

January 10, 2018     [redacted]   Re:  Revdex.com Complaint ID #[redacted]         Macy’s account ending in [redacted]   Dear [redacted]:    I am in receipt...

of your complaint filed with the Revdex.com.  As a representative 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 frustration that you may have experienced regarding this issue.    My review of your account found that you made a purchase online on December 20, 2016, in the amount of $69.11.  You contacted us on March 16, 2017, to report you had never received the order.  A dispute case was opened at that time.  After an investigation, we determined the package had been received, and the dispute was denied.  A letter explaining our decision was mailed to you along with the proof of delivery (copies enclosed) on April 11, 2017.    On July 21, 2017, you contacted us online to request a late fee removal and again you disputed the charge and the receipt of the merchandise.  The associate requested a credit for the merchandise.  That request was declined due to the proof of delivery.    Our records show that the last purchase was on December 20, 2016, and the last payment date was on July 28, 2017.  Due to missed payments and serious delinquency, your account charged off on December 31, 2017, with a balance of $406.37, and the delinquencies were reported to the credit reporting agencies in accordance with the DSNB Credit Card Agreement.    In addition, I confirmed that the e-mail billing alerts were successfully delivered to your email address of [email protected].  Enclosed are copies of your monthly billing statements for the period ending December 29, 2016, through December 29, 2017, for your review.    By using this account, you consented to the terms of the DSNB Credit Card Agreement, which governs the use and reporting of this credit account, and includes your promise to pay for all purchases as well as other charges mentioned in the Agreement including interest charges and late fees.  For this reason, we are unable to remove the account from your credit report.  However, on March 31, 2017, we sent a request to the credit reporting agencies to report your account as “customer disputes reporting”.          Your account is currently being handled by Capital Management.  Should you have additional questions, you may call them directly at ###-###-####.  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 B. Macy’s Executive Office ###-###-#### Extension [redacted]   Enclosures / mailed January 10, 2018  cc:  [redacted], Revdex.com

Problem: Someone used my macys [redacted] fraudulently and I contacted [redacted] many times to explain I am not responsible for those changes. I was not getting a resolution to my situation and I then contacted Revdex.com who helped me resolved the case, however [redacted] has mentioned they will remove the disputed charges as well as the interest charges and late fees. It been about 4 months and they habe not. I received a letter from ms. P. who said it will be taken care of, however everytime I called they said it will take two billing cycles. It has been more than 4 billing cycles and those charges are still there. Please help, I am tired of calling and spending hours on the phone and not getting anywhere.  Desired Outcome: I want all the disputed charges, late fees, interest charges and my adjusted and refunded. I want my credit report to be adjusted as well. Please help me again

January 31, 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.    With respect to your claim of non-receipt of billing statements, our records confirm all electronic billing notifications were sent to the registered email address of [redacted].  As you were previously informed, we confirmed that the e-mail billing alerts were successfully delivered to the email address you provided.  According to the terms of the Department Stores National Bank Credit Card Agreement, you agree to notify us promptly in writing if you move, which also includes updating your email address when it changes.  Until we receive written notice of your new address, we will continue to send statements and other notices to the mailing or email address in our records.    Further research confirms that the Collections Department made attempts to contact you regarding your past due account with calls beginning on October 11, 2016.  Specifically, our notes show that you received a call on December 12 2016, and during that call you made a payment to your account.  I understand that you are attempting to improve your credit history, however; 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 as you requested.  However, on December 19, 2016, we instructed the credit reporting agencies to update their records and report your account as "customer disputes reporting".  Your account was closed on December 20, 2016, and has a zero ($0.00) balance.   [redacted], it appears we fell short of our goal to provide you with excellent customer service.  Thank you for bringing this matter to our attention and please accept my personal apology for any inconvenience or frustration this matter may have caused you. As customer service is crucial to the continued success of our business, it is always a concern when a customer is not satisfied with the level of service we provided.  Please contact me at the number below if you need assistance on a different matter.   Sincerely,       Monique M. 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.  Ms G. is correct I do have a choice where I shop and I will no longer shop with this company.
Regards,
[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, Tranesse S.Liaison, Omnichannel...

Executive Office | Macy's, Inc.9111 DUKE BLVD | MASON, OH 45040Office: ###-###-#### ext:32921 Fax: ###-###-####

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 Macy's representative did not believe me when I stated that Macy's banking representative contacted me regarding the fraudulent charge. He insisted that the bank and Macy's would NEVER have emailed me.  It turns out that the bank DID email me.  He did not understand why he,  supervisor, or the variety of customer service representatives did not know how to help me, did not understand the apparently new ability of direct contact with customers etc.  The inability for multiple representatives, LONG wait times on the phone, poorly articulated representatives and a very frustrating few weeks is not acceptable, especially from a large corporation.  The excuse of "they must have changed their protocol, and none of us knew" is unprofessional and ridiculous.  When a customer calls a large bank/department store with a seemingly simple request, it should not take weeks, multiple phone calls and hours of her time to resolve the issue.  That wouldn't be acceptable in my job and it shouldn't be acceptable for Macy's.
Regards,
[redacted]

Revdex.com:This is a new account we just open in November.  They are confusing Revdex.com with the old account we closed last year.  We were never late.  No credits have been given to us.  Macy's is lying.  Macy' It's about time you go bankrupt.  You e. Crook.  They trick peope with 25% *ere and there if you open up and account.  Don' get tricked.  Macy is dying.  It' scamming people with their late fees.we never received a bill.  Also the Indian guy never set up our auto pay.  Same thing happened last time that' why we closed their account.  GO to [redacted] Macy's.  They'e so desperate they'e been catering to Somalians and Africans.  They'e Somalians and African workers everywhere possibly even illegal ones too. You know when a business starts catering to minorities you know it' dying. THe stores are old and getting empty like [redacted].  Macy's you're so 80s.  Bye bye bye CrookGO shop at [redacted]    
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 16, 2016[redacted]Re:  Revdex.com Complaint [redacted]        Macy’s account ending in [redacted]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.  I apologize for any frustration this matter may have caused you.Upon review of your account, the payment made by phone of $54.07 on January 17, 2016, was returned as “unable to locate” (meaning we probably had an invalid checking account number) on January 21, 2016.  On February 28, 2016, we received another payment from you by phone of $57.00, and removed the $27.00 late fee and $2.00 interest charge.  This resulted in a credit balance of $2.05 on your account, which was mailed to you on May 6, 2016.  Furthermore, we have cleared our internal records of any delinquency associated with this issue and requested that [redacted], and [redacted] delete the delinquency from February 2016.  Please allow the agencies thirty (30) days to make the necessary corrections to their files.  Until then, 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.  If I may be of additional assistance, please do not hesitate to contact me.   Sincerely,Regina M.Macy's Executive Office###-###-#### Extension [redacted]cc:  [redacted], Revdex.com

June 19, 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.  Please accept my sincere apology for any inconvenience or frustration you may have experienced while attempting to resolve this issue.   As a company committed to outstanding customer service, Macy’s goal is to have professional and courteous associates so that all of our customers may have a positive and rewarding experience.  Be assured that we do not tolerate any kind of rude behavior or disconnecting telephone calls.  To clarify, the telephone calls you are receiving is from our Collections Department in an attempt to collect payment on your past due account.  In researching, I was unable to locate the telephone calls you referenced in your complaint in order to escalate further.  I can state with confidence that our policies promote respect for all of our customers and values their continued loyalty.  Although it is disheartening to hear that we did not meet your expectations, your feedback is valuable to us, as it directs our attention to areas in which we can improve our service quality.    Macy’s Employee Discount varies dependent on the item purchased.  As outlined in “Insite”, the discount is 20% and 10% or less on select merchandise.  [redacted] does not allow their merchandise to be significantly reduced by Retailers; therefore, the Macy’s Employee Discount for all [redacted] products is 2 percent.  I apologize if you were told differently by a Customer Service representative.   Respectfully, I must decline your request to credit your account an additional 18%.  As of the date of this letter, your account balance is $76.86 with a minimum payment of $76.86, due by July 8, 2017.  As a courtesy, I removed the $27.00 late fee charged on June 8, 2017.    [redacted], although we would like to reply favorably to every customer, it is not always feasible. We apply our credit policies uniformly to all of our customers and cannot make an exception in this matter. Please contact me at the number below if you need assistance on another topic.    Sincerely, Monique M. Macy’s Executive Office ###-###-#### Extension [redacted]   cc: [redacted], Revdex.com

[redacted]   [redacted]
January 25, 2016
[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 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.  I
apologize for any inconvenience you may have experienced.
Upon
review, the payment made of $62.05 on October 30, 2015, was accepted, and
posted to your Macy’s account successfully. 
However, we received a bank initiated dispute of the payment totaling
$62.05, which was honored and refunded to your bank account ending in 6352 on
December 9, 2015.  As a result, your account
was adjusted accordingly in addition to a late fee and interest charges being
applied on your December statement, resulting in a $66.57 balance.  If you have documentation from your bank
stating that the adjustment occurred as an error or that no dispute was
intended, please send it to me personally so I may further review your
inquiry.  As a courtesy, I have removed
the late fees ($31.00), and interest charges ($4.52) that were assessed in
December 2015, and January 2016. Your
balance as of the date of this letter is $62.05. 
I am
sorry that you felt this incident was due to your age, which is
disheartening.  Macy’s is committed to
having a diverse customer base and we do not condone or tolerate discrimination
of any kind.  I can assure you with
confidence that Macy’s promotes respect for all of its customers and values
their continued loyalty.
[redacted], thank you for bringing this matter to our attention and giving me the
opportunity to respond.  If I may be of
additional assistance, please do not hesitate to contact me. 
Sincerely,
Stephanie P.
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.   
Regards,
[redacted]  Concerning complaint # [redacted] , I have been in contact with Sharon W. at Macy’s.  I asked her to email me and give a breakdown, so I can understand how they I am being billed for two mattresses instead of one. I also let Sharon know that I was having issues with my laptop and would she mail me a copy of the breakdown. I didn’t hear from her yet. I finally got my laptop back today. Thank You for your patience, I do not have $558.29 to give to Macy’s … Sent from [redacted] Email

Hi [redacted], I am in receipt of the Complaint#[redacted], forwarded to us by the Revdex.com.   I have reviewed [redacted] complaint again and I am listing the actions that took place to accommodate [redacted] concerns.   I have spoken to [redacted]...

and I have set up an inspection appointment for 7/13/2017 to inspect her chairs.  I advised the customer that once the inspection results come in I will call her with the update.  If chairs are unable to fix I have offered to have the customer reselect new chairs.  [redacted] has agreed.  I wanted to update you so that you can extend some time on this to wait for the inspection results.Thank you [redacted],    Sandy M.Omnichannel Presidential Liason  Correspondent | Macy's, Inc.9111 Duke Blvd. | Mason, OH 45040Office: ###-###-####  Fax:  ###-###-####

Dear [redacted]At this time, I have addressed all of the issues in the Complaint ID [redacted] The customer has had the merchandise in her home since September 2013. We sent a technician to the customer's home to inspect the merchandise and the merchandise was deemed in standard and not defective. Upon speaking with the customer regarding the results, the customer stated that she knows that there is nothing wrong with the mattress in her complaint other than she simply does not like the mattress. The customer did not contact Macy's at any time since receiving the mattress until May of 2017. Due to the information provided by the technician and the customer, Macy's was unable to assist the customer with a replacement mattress as there were no defects to the mattress. Based on this information, Macy's considers this matter closed and resolved.We do value [redacted] as a customer and would like to offer a 15% discount off a new mattress should she choose to purchase a new mattress. Thank you, Kristin T.Liaison, Omnichannel Executive Office | Macy's, Inc.9111 Duke Blvd | Mason, OH 45040Office: ###-###-####

Dear [redacted], We are in receipt of Revdex.com complaint number [redacted].  I have reached out to the customer and have carefully reviewed all issues she was experiencing.  I am accommodating the Macy's Money that would have been earned which was $65.00, in the form of a Macy's gift...

card.  Based on this information and speaking with the customer we are considering this matter closed satisfactorily.  Thank you.  Theresa S.Correspondent, Omnichannel Presidential | Macy's, Inc.9111 DUKE BLVD | MASON, OH 45040Office: ###-###-#### Fax: ###-###-####

April 22, 2016[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.  I had hoped to speak with you personally regarding this matter; however, my attempts to reach you were unsuccessful.  I was able to leave you voice messages on April 12 and 13, 2016.Please accept my sincere apology for any frustration that you may have experienced while trying to add your wife as a joint card holder to your account.  I was disappointed to hear there was an incorrect address on your account; however, I was glad to see we were able to correct that information.  In reviewing your account application, I found that you opened this account on July 30, 2015, as an individual account in your name only.My research shows you contacted us by phone on November 11, 2015, and a form was sent to the address noted above on November 13, 2015 (copy enclosed).  We reviewed the information on December 16, 2015, and noted we did not receive a copy of both parties’ government issued Photo I.D.  We attempted to contact you on December 17, 2015, at ###-###-#### and left a message on your voicemail.  You contacted us again on January 7, 2016, and the phone associate advised you that we did not receive the Photo I.D. for both parties.  [redacted] contacted us by phone on January 8, 2016, and spoke to a Supervisor who then contacted you at work to review the information needed and you were given an email, fax, and mailing address to expedite adding the joint cardholder.  As of the date of this letter we have not received copies of the requested Photo I.D. for both parties.  [redacted], thank you for bringing this situation to our attention and giving me the opportunity to respond.  I welcome the opportunity to assist you, but ask that you provide the requested information.  My Fax number is ###-###-#### or you may send an email to my attention at [email protected],Rhea B.Macy's Executive Office###-###-#### Extension [redacted]Enclosurecc: [redacted], Revdex.com

October 26, 2016     [redacted]   Re:  Revdex.com Complaint ID #[redacted]        Macy’s [redacted] account ending in [redacted] (open)        Macy’s store account ending...

in [redacted] (open) & [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.  Please accept my sincere apology for any inconvenience or frustration this matter may have caused you.   Your Macy’s [redacted] card is designed to separate your Macy’s purchases from any purchases made outside of Macy’s. There are two credit lines attached to one credit card. When your credit card is used at a register inside one of our Macy’s stores or at macys.com, the charges will be applied to your store account. The last 4 digits of your store account are [redacted]. This account number will be listed on your monthly billing statement. When your credit card is used at a register outside one of our stores, the charge will be applied to your Macy’s [redacted] account. The last four digits of your Macy’s [redacted] account are [redacted]. This account number will be listed on your Macy’s [redacted] billing statement and also printed on your card. Separate statements are issued for each account and are sent approximately one (1) week apart.   In researching your account, I confirmed that you made a payment in store on July 19, 2016, in the amount of $58.94.  This payment was intended for account ending in [redacted], but was misapplied to the closed account ending in [redacted].  Due to this error, your account incurred late fees and interest, which caused the account to become delinquent and sent to Collections.  I sincerely apologize for this mistake, but am happy to report we have applied the funds to the correct account and removed $54.00 in late fees and $4.00 in interest charges.   Additionally, we cleared our internal records of any delinquency associated with this issue, and requested that [redacted] and TransUnion update their records and delete any history of delinquency for the time period of July 2016 through October 2016 on your account ending in [redacted] from your credit report.  Please allow the agencies thirty (30) days to update their records.  Until then, this letter will serve as confirmation of this request.   As of the date of this letter, your Macy’s [redacted] account ending in [redacted] is current with a zero ($0.00) balance, and your store account ending in [redacted] has a credit balance of $28.99, which is available to use toward a future purchase.  If you prefer a refund check be mailed to you, please call our Credit Customer Service Department at ###-###-#### and a representative will be happy to assist you.   According to the terms of the Department Stores National Bank Credit Card Agreement, you agree to notify us promptly in writing if you move.  Until we receive written notice of your new address, we will continue to send statements and other notices to the address in our records.  This also includes updating your e-mail address when it changes. As such, our billing statements are unable to be forwarded and we have no records of return mail on either 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,     Monique M. Macy’s Executive Office ###-###-#### Extension [redacted]   cc: [redacted], Revdex.com