Macy's

March 26, 2018[redacted]RE: Revdex.com-File # [redacted] Macy’s [redacted] account ending in [redacted]Dear [redacted]:I am in receipt of your complaint filed with the Revdex.com (Revdex.com) which was forwarded to Macy’s ExecutiveOffice on...

March 19, 2018. As a liaison in this office, I was asked to review and respond to your concerns on behalf ofDepartment Stores National Bank (DSNB). I had hoped to speak with you regarding this matter on March 21, 2018, butunderstand that you were not available to take my call.On behalf of Macy’s, please accept my personal apology for any inconvenience you experienced in this matter. Upon receipt ofyour complaint, I reviewed your account and confirmed that the damaged coat was processed as a return resulting in our systemautomatically charging back the new account discount that you were given when the coat was purchased. To clarify, when oursystem recognizes that a returned item was given a discount when it was purchased, the discount is automatically debited backto the account. This policy is set in place to ensure that the return credit equals the amount paid for the item.I understand that you intended to exchange the defective coat so I have issued a credit for the new account discount charge backin the amount of $23.44. Additionally, feedback regarding processing of the transaction has been sent to the [redacted] TownSquare store.Your payment of $23.44 was received and applied to the account on March 21, 2018, leaving the account with a credit balance.I have issued a credit balance refund check and request that you allow 14 business days for the check to be received.I regret that you closed your account as a result of your experience. As customer service is crucial to the success of ourbusiness, it is always a concern when a customer is not satisfied with the level of service that we provided. It appears that wefell short of our goal and we appreciate you bringing this to our attention. If at any time you wish to have a Macy’s account, wewelcome you to apply for a new account at any register of a Macy’s store or on Macys.com.Thank you for bringing this matter to our attention and giving me the opportunity to respond. If I may be of further assistance,please do not hesitate to contact me at the telephone number below.Sincerely,Lisa B.Macy's Executive Office###-###-#### Extensio[redacted]cc: The Revdex.com [redacted]

Re: Complaint ID # [redacted]
Dear
[redacted]: 
We
are in receipt of Revdex.com Complaint # [redacted] for [redacted].  As a representative of Macy's Executive
Office, I was asked to review and respond to her concerns.  We have numerous email correspondences
directly...

with [redacted] regarding an accommodation she would like due to a
return she states was made. 
Unfortunately, no record of an order was found and [redacted] was unable
to provide sufficient proof of return, proof of original order and/or details
concerning the original purchaser.  We
were happy to assist her; however, [redacted] refused to contact us by phone for
further assistance.   As such, we will
not be accommodating [redacted] with a new dress; valued at $230.  Furthermore, [redacted] has a history of
requesting similar accommodations with Macy's, Inc.  We believe our actions have been more than
equitable.  At this time, Macy's
considers this matter closed and will no longer respond to future inquiries
related to it.
Sincerely,
Tonie R.
Macy's Executive Office
###-###-#### Extension [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.
My complaints were NOT addressed to my satisfaction. I was told I could not return an item that is still in the original shipping package but no one would tell me why. Since it took so long to receive the item, I wanted to return it. Since it's still in the shipping package, I've obviously never worn it and I want a refund. I also asked for them to explain why the NEW shoes I ordered were damaged. NO ANSWER. I kept them because they did not have any more in my size but I should NOT have been charged full price for an item that was supposed to be NEW and UNWORN. I also asked them to explain why the website does not say that the items would be shipped separately. I only ordered 2 items and the website they would arrive in 3-6 days. Both items were shipped separately and one item took nearly 2 weeks to be delivered. That is completely unacceptable!This issue is definitely NOT resolved and I have no idea why Steve Anderson would claim that it is. His response to my email IGNORED most of my questions and complaints. Also unacceptable! This complaint should NOT be closed until my issues are resolved and I am given a refund for the unworn item that is still in the original packaging.
[redacted]

Dear [redacted], We are in receipt of Revdex.com Complaint #[redacted]. We have spoken to the referenced customer and have addressed all matters as expressed in the complaint. We are unable to accept the customer's return per our return policy. Based on this, we are closing the...

issue. Sincerely, Tranesse S.Liaison, Omnichannel Executive Office | Macy's, Inc.9111 DUKE BLVD | MASON, OH 45040Office: ###-###-#### ext:[redacted] 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.  Although a portion of my complaint regarding late fees and penalties resulting from a mix-up in billing by Macy’s has been resolved, the matter of the impact of their mistake on my credit score has been substantial and to date has not been corrected.  My score dropped precipitously from 800+ to something between 675 and 710.  Please confirm to me that this matter is being addressed and let me know when it has been resolved.Thank you. 
Regards,
[redacted]

Dear [redacted]: I am in receipt of [redacted] complaint ID [redacted]. As a representative of Macy's Executive Office, I was asked to review and respond to the customer's concerns. Unfortunately, I have been unable to speak to the customer directly. I have, however, left a message...

regarding their concerns. I advised the customer that I sent them a gift card for $55, to accommodate for their not being able to use their gift card and Macy's Money towards their purchase. They should receive the gift card within 3-5 business days. Based on the above, Macy's considers this complaint closed. Sincerely,   Colette O.Macy's Executive Office###-###-#### Extension [redacted]

Dear [redacted], We are in receipt of Revdex.com Complaint #[redacted] We have spoken to the referenced customer and have carefully reviewed all matters as expressed in the complaint. We have spoken to the store on behalf of the customer and made the situation aware to the management team of the store...

who have reviewed the situation with the associate in question. We have attempted to relay all this information to the customer through both email and phone calls but the customer has thus far not responded to our attempts. At this time we consider the matter closed satisfactorily, but should the customer reach out to us again we will continue to assist them. Thank you. Andrew W.Liaison, Omnichannel Executive Office | Macy's, Inc.9111 DUKE BLVD | MASON, OH 45040Office: ###-###-#### Fax: ###-###-####

April 28, 2017   [redacted]  [redacted]   Re:  Revdex.com Complaint ID #[redacted]         Macy’s account ending in [redacted] (closed)   Dear [redacted]:   We are 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).  Please accept my personal apology for any frustration or inconvenience you may have encountered regarding this matter.   According to the terms of the enclosed DSNB Credit Card Agreement, if the minimum amount due is not received by the payment due date as shown on your monthly statement, a late fee and interest charge are applied to your account.  In review, for your billing period ending on December 25, 2016, your statement balance was $30.73, with a $27.00 minimum payment due by January 21, 2017.  We received your $27.00 payment on January 23, 2017, two days after your payment due date, and a $27.00 late fee and $2.00 interest charge were applied, resulting in a $32.73 balance, with a $30.00 minimum payment due by February 21, 2017.  When no payment was received by this due date, a $30.00 late fee was applied, along with another $2.00 interest charge, resulting in a $64.73 balance for the billing period ending on February 22, 2017, with a $63.00 minimum payment due by March 21, 2017.  We received your $30.00 payment ten days late on March 3, 2017, and our records confirm when you called on March 21, 2017, and spoke with our Customer Service Representative, she explained the reasons for these fees, and as a gesture of goodwill, removed the $30.00 late fee, and $4.00 in interest charges on your account, resulting in a zero ($0.00) balance.    However, if you have been paying less than the New Balance on your Revolving account balance each month and you then decide to pay your balance in full, you will be charged interest charges on that balance from the first day of the billing cycle until the date that your payment is received.  The minimum interest charge is $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 which may result in a statement with interest only.  You can avoid being charged interest by paying your account balance in full every month by your payment due date.  My review found that all fees were properly charged.    Applying this billing policy to your account, the $2.00 interest charge on your March 24, 2017, statement was for interest charged on your account balance between the last bill date of February 22, 2017, and the date (March 3, 2017) that your $30.00 payment was applied to your account.  Had you paid the $2.00 interest charge due by April 21, 2017, and not made any new purchases, you would have had a zero balance the next month and would not have been charged interest on the interest charge.  Our records indicate that when you called on March 27, 2017, we removed the $2.00 interest charge as a gesture of goodwill, resulting again in a zero ($0.00) balance on the account.    It is regrettable to learn that the associate assisting you on March 21, 2017, took care of your late fees and interest charges, yet forgot to close your account as requested.  In addition, during your most recent phone call on April 4, 2017, another agent responded to your inquiry to send a letter confirming your account was at a zero ($0.00) balance, yet also did not follow through and close your account as you requested.  Please be assured that the service you received from our staff is not typical of the level of quality customer service that we strive to provide, and we appreciate your bringing the situation to our attention.  Accordingly, I have forwarded a copy of your letter, as well as my response, to the appropriate managers so that they may address these issues with the associates involved.    On April 24, 2017, I completed your request to close your account, which will be reported as “Closed at Consumer Request.” Currently, your account has a zero ($0.00) balance, and you will not receive any additional fees or billing statements.   [redacted], thank you for allowing me the opportunity to respond to your concerns.  It is regrettable that the confusion you experienced regarding your Macy’s account led you to make the decision to close your account.   We value your business, and hope you will choose to shop with Macy’s again in the future.  If I may be of additional assistance, please do not hesitate to contact me at the phone number listed below.    Sincerely,       Alison G. Macy’s Executive Office ###-###-#### Extension [redacted]   Enclosure / mailed April 28, 2017   cc:   [redacted], Revdex.com         Customer Service Managers

[redacted]   [redacted]  [redacted]   September 26, 2017   [redacted]  [redacted]   Re:  Shopping experience         Revdex.com Complaint ID #[redacted]...

  Dear [redacted]:    We are 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.  Please accept my personal apology for any frustration or inconvenience you may have encountered.   In reviewing this matter, our records indicate you purchased a handbag on Sunday, September 10, 2017, at our [redacted] Mall Macy’s location in [redacted], [redacted].  It is regrettable to learn that the store associate did not remove the sensor tag at the time of your purchase.  We strive to deliver a “friction-free” customer experience, and our goal is to resolve customer inquiries on the first request.  Accordingly, I forwarded your complaint and this letter to the [redacted] Store Manager, who has already reviewed this issue with the associate involved, and their staff for handling future requests such as yours.     When you first contacted the Macy’s Executive Office to inform us of your experience, your complaint was forwarded to the Assistant Store Manager (ASM) Jennifer, and you were advised she would be contacting you to resolve the issue.  I was disappointed to learn that you were not satisfied with the resolution after speaking with Jennifer, and felt the need to contact our office a second time to submit a new complaint about the conflicting information you described receiving.  On September 13, 2017, you spoke with Mr. Michael Sparks in our Macy’s Executive Office, and state that he did not understand your concerns. I understand that you intended to file a new complaint about your interaction with our ASM Jennifer, and I apologize if you felt he misinterpreted your request to file a complaint with her supervisor.  Our records indicate that as he was taking action on your behalf to contact her supervisor via e-mail, you disconnected the call.    I have forwarded a copy of your letter, as well as my response, to the Manager of the Macy’s Executive Office so that they may address these issues with the associate involved.  I have also forwarded your complaint to Jennifer’s supervisor so that they may further address this issue. Please note that due to privacy and employment laws, we are unable to provide more details about any action that may be taken.   Regarding your allegation that the ASM Jennifer offered not only a full refund, yet also offered to allow you to keep the handbag, it appears that a misunderstanding occurred.  After discussing the issue with Jennifer directly, she advised that when she first offered to refund the bag to you, her words somehow became misconstrued, and you thought she meant that you could also keep the item.  In addition, she offered to give you a courtesy Macy’s certificate for your inconvenience of having to come back into the store to return your item.  However, she later decided to retract her offer to give you the additional Macy’s certificate.  I regret if you misunderstood these offers, and her subsequent decision to only process a refund if you return the item.        For clarification, our offer to refund your handbag purchase is still valid, as long as you bring the item back to the store with the original receipt, and it is in resaleable condition.    [redacted], thank you for allowing me to respond to your concerns.  We are sorry for the continued frustration this situation has caused you.  We know you have a choice in where to shop, and hope you will allow us the opportunity to exceed your expectations in the future.  Please do not hesitate to contact me at the telephone number below if you need assistance on a different matter.      Sincerely,       Alison G. Macy's Executive Office ###-###-#### Extension [redacted]   cc:   [redacted], Revdex.com         [redacted] Store Manager         Manager, Macy’s Executive Office

Re: 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 personal apology...

for the condition in which you received your
item.  I was disappointed to hear that
your item was not properly inspected upon shipment.  Please be assured we work very closely with
our fulfillment centers to make sure all merchandise ships and arrives complete
and in the greatest condition possible. 
Although I will not offer excuses for the error that occurred, I assure
you this is not indicative of the level of service we strive to provide.  Unfortunately, we are unable to ship the
missing strap for the [redacted].  However, we can return the item for
exchange.  Please contact us directly for
return instructions.
Thank
you for bringing this matter to our attention, and allowing me an opportunity
to be of service to you.  If I can be of
further assistance, please feel free to contact me at ###-###-####.  My office hours are Monday through Friday,
9:00 AM to 4:00 PM, Eastern Time.
Sincerely,
Tonie R.
Macy's Executive Office
###-###-#### Extension
[redacted]
cc: [redacted], Revdex.com of
Cincinnati

June 2, 2017     [redacted]  [redacted]   Re:  Revdex.com Complaint ID [redacted]         Macys account ending in [redacted]   Dear [redacted]:    I am in receipt...

of your complaint filed with the Revdex.com, which was forwarded to Macy’s Executive Office.  As a representative of this office, I was asked to review and respond to your concerns on behalf of Department Stores National Bank (DSNB).  Please be assured that the Bank is in compliance with all applicable credit laws and does not participate in fraudulent credit practices of any kind.   The terms of the DSNB Credit Card Agreement (“Agreement”) state that if the minimum monthly payment is not received, late fees are applied to the account, and for any month the balance-in-full is not paid, interest charges are assessed.  The account will be reported as late if two (2) consecutive payments are missed.  In using your account, you consented to the terms of this Agreement, which includes a promise to pay for all purchases, as well as the late fees and interest charges.  In addition, you agree to notify us if your address or email address changes.    In researching this matter, I found that the billing statement for the period ending February 13, 2017, had a $119.49 balance, with a $27.00 minimum payment due by March 12, 2017.  When no payment was received by this date, your account was charged a $27.00 late fee and a $2.65 interest charge in accordance with the terms of the Agreement.  The billing statement for the period ending March 16, 2017, had a $149.14 balance with a $58.65 minimum payment (including a $27.00 past due amount) due by April 12, 2017.  When no payments were received, your account continued to be charged late fees and interest, and was reported as thirty (30) days past due to the credit reporting agencies.  Copies of your billing statements for the periods ending February 13, 2017, through May 16, 2017, are enclosed as reference.   We received your $230.58 payment on May 19, 2017, which brought your account current.  On May 21, 2017, we received a secure message regarding not receiving statements on your account.  Our representative removed a $111.00 in late fees and contacted technical support to verify how your statements were being sent.  As a result of that review, we sent you a letter dated May 23, 2017, (copy enclosed), stating that we are reporting the account history accurately to the credit reporting agencies.  My review also found that on May 30, 2017, an adjustment debit of $10.00 was made to the account.  As of the date of this letter, your account has a credit balance of $101.00, which may be used towards a future purchase, or, you may request a Credit Balance Refund by calling the number on the back of your card.   Our records show that we made numerous attempts to contact you by telephone at the number listed on your account starting on March 28, 2017, through May 12, 2017, and left a message for you on April 3, 2017.  When our attempts to reach you by telephone failed, we sent you a letter dated May 15, 2017, (copy enclosed) to the billing address on file advising you of the past due status on your account.    In regards to your assertion that you had not received a billing statement for your February purchase, our records show that on September 11, 2015, you elected to receive electronic statement alerts to the email address [redacted], which matches the email address on the account.  Your first billing notification was sent successfully on September 24, 2015, and I verified that the electronic billing statements for February through May 2017 were sent successfully to that email address.  On May 17, 2017, we updated the account to also receive paper statements until it became current.       I understand you are requesting that we modify the payment history associated with your Macy’s account.  It is the Bank’s policy not to remove any delinquency from your credit report, unless it occurred as a result of a billing or bank error.  As a credit provider, we are obligated to report the account accurately to the credit reporting agencies, whether it is favorable or unfavorable to the customer.  Therefore, we are unable to accommodate your request to remove the delinquencies from your credit report.  However, our records show that on June 1, 2017, we instructed the credit reporting agencies to update their records and report your account as “customer disputes reporting”.    [redacted], our position on this matter has not changed.  While we would like to respond favorably to every customer, that is not always feasible as we are required to maintain and adhere to specific policies and procedures to ensure all of our customer’s receive fair and consistent treatment.  If I may be of assistance in another matter, please call me at the telephone number listed below.   Sincerely,  Janice D. Macy's Executive Office ###-###-#### Extension [redacted]   Enclosures // Mailed June 2, 2017   cc:  [redacted], Revdex.com

June 1, 2017     [redacted], [redacted]   Re:  Revdex.com Complaint ID #[redacted]         Returned merchandise   Dear [redacted]:   I am in receipt of your complaint filed with the...

Revdex.com, which was forwarded to Bloomingdale’s Executive Office.  As a representative in this office, I was asked to review and respond to your concerns.  We sincerely regret any frustration you may have experienced and for the problems you encountered in trying to resolve this issue.   Our research found that when you returned the blouses without a receipt at our Bloomingdale’s [redacted] store, the register prompted a $706.88 Merchandise Only Certificate (MOC).  Please know that when merchandise is returned without a receipt, a MOC could be subject to further review by our Fraud Department before issuing it to a client.   While your return was processed on January 2, 2016, a precautionary security block was placed on the MOC on January 5, 2016.  In order to remove the security block, we will need proof of purchase.  You were informed of this when you called on January 13, 2016.  At that time, you indicated that your aunt gifted the blouses to you.  To help locate the original purchase receipt, we will need the purchase date, the Bloomingdale’s store location where it was bought, and the form of payment that was used for the purchase.  The store no longer has the blouses in their possession. However, if you would obtain the above information from your aunt, you can fax to my attention at ###-###-#### or send by mail, and we will expedite the review. Therefore, at this time, I am unable to request that the block be removed.   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. Bloomingdale's Executive Office ###-###-#### Extension [redacted]   cc:  [redacted], Revdex.com        Bloomingdale’s [redacted], General Manager

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.   As stated in the research provided, the purchase was made at the cash register, depleting the value of the card. I did not agree that the transactions were mine. That notation is an error on the behalf of your representative and should not be used as the primary reason for this decision. I reside in [redacted] and did not travel to [redacted] on May 15, 2015. I take issue in the financial loss of the value of the gift card. Further securities need to be in place to ensure the trustworthiness of your business practices. In further research, I have found that I am not the only customer to experience this "inconvenience".My expected resolution has not changed. The best outcome is still a replacement gift card with the value restored.
Regards,
[redacted]

March 12, 2017 [redacted]
[redacted]
[redacted] Re:  Revdex.com Complaint ID #[redacted]Dear [redacted]: I am in receipt of your additional comments filed with the Revdex.com and forwarded to Macy’s Executive Office.  As a representative in this office, I was asked to review and respond to your continued concerns.  For clarification, the Macy’s Money promotion was a marketing event in which customers could earn reward cards (similar to gift cards) during a specified shopping period (in-store and online) based on how much they spent in a single transaction.  If the customer returned the merchandise that earned the Macy’s Money, we removed the value of the earned Macy’s Money from that refunded amount.  Exclusions and disclosures are clearly and prominently stated on each coupon and the purchase receipt.  I apologize for any miscommunication you may have received from the store associate.  [redacted], thank you for bringing this situation to our attention and giving me the opportunity to respond.  Your feedback is critical as it assists us in understanding our customers' experiences and directs our attention to areas in which we can improve our service quality. If I may of assistance to you on another matter, please feel free to contact me.Sincerely, Rhea B.Macy's Executive Office###-###-#### Extension [redacted] cc: [redacted], Revdex.com

March 05, 2016
Tina Geers
1 E Fourth St.
Suite 600
Cincinnati, Ohio 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. The customer was credited back to original form of payment on 3/3/16. Based on this, we consider the matter closed satisfactorily. Thank you.

Sincerely,  Jan B. Macy's Executive Office
###-###-#### Extension [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]
[redacted]                                   ...⇄ />                     March 17,2018
[redacted]
[redacted], [redacted]
I am in receipt of
Macy’s response to complaints regarding my two fur coats.
Yes, I have been a long time customer of Macy’s Fur
Vault.  That is something that I
was Previously proud to admit, until now. I have always purchased the protection
plans on all of my fur purchases and have also stored all seven with Macy’s Fur
Vault.
The offer made to me by Macy’s to reline each item at a
discounted rate is still extremely costly , as I am a senior citizen.
I really want to come to a resolution regarding my fur
coats, as this situation has been going on for too long. In good faith, I am
offering a payment of $150.00 for each coat for the relining, and monograms. I
am hoping this will be agreeable to solve this issue.
Sincerely,
 
 
[redacted]

Complaint: [redacted]
I am rejecting this response because:I never received an email from your company after you received the costume back. I check my email multiple times a day, and I checked my spam folder as well. The only email that I received from you was on October 8, stating: "We are contacting you to ensure that your expectations were met for your order with us. Our goal is for you to be completely satisfied with this transaction. If this is not the case, we would appreciate it if you would give us a chance to address your concerns before leaving feedback. Please contact us directly via email or phone to resolve and issue. Thank you, Toynk Customer Care Team".I have not received a refund from [redacted] I did contact them immediately after you denied my refund. They said that third party return policies are not covered under their A to Z Guarantee. They in fact closed my claim statin that their A to Z Guarantee "Does not supplement or replace a seller's returns policy. [redacted] Account Specialist"I can only believe that you have my return confused with someone else's, because my son had the costume on for only a few minutes, long enough for us to realize that it was too small. The costume was in perfect condition when I, myself, packaged it up for return. I would not be going through all this trouble for $36 if I wasn't absolutely positive that the costume was not stained and did not have a smell when I put it back in the package.      
Sincerely,
[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]

Dear
[redacted]: 
I am
in receipt of your response forwarded to us by the Revdex.com. I
have verified that the credit has posted to your [redacted] account in the amount of
$8.01.
I
will be sending a separate email to you with my direct contact information.
When you make a selection you may contact me directly and I'll be happy to
apply the discount.
Sincerely,
Jennifer C.
Macy's Executive Office

[redacted]   [redacted]
  
January 12, 2016
[redacted]
[redacted]
[redacted]
Re:    Revdex.com Complaint ID [redacted]
         Macy’s account ending in [redacted]
Dear
[redacted]:
I am in receipt of the most recent complaint you filed
with the Revdex.com, which was forwarded to Macy’s Executive
Office.  As I am familiar with your
situation, I was asked to review and respond to your continuing concerns on
behalf of Department Stores National Bank. 
It was a pleasure speaking with you and this letter is a follow up to
our discussion on January 3, 2016.
I am glad that you are satisfied with the billing
statement copies you received and that you were able to consult with a member
of our Technical Assistance team to access your account information
online.  I was also able to confirm that
your account has been updated to receive both paper statements and e-mail
notifications going forward.
According to the Department
Stores National Bank Credit Card Agreement, interest is charged on the
outstanding balance of your Revolving account until the day you pay the full
balance owed.  For example, if you have
been paying only the minimum payments on your Revolving balance and you then
decide to pay your balance in full, you will be charged interest on that
balance from the first day of the billing cycle until the date that your
payment is received.  This interest
charge will appear on your next statement. 
The minimum interest charged is $2.00.
Applying this billing policy to your Macy’s account,
the $2.00 interest charge that appeared on your December 17, 2015, billing
statement included interest assessed between the last bill date of November 16,
2015, and the date (December 1, 2015) that your $142.11 payment posted to your
Macy’s account. As I mentioned during
our conversation, I removed this $2.00 fee on January 3, 2016, which, as of the
date of this letter, leaves your account with a $2.00 credit balance.  You may shop against this credit balance or
request a refund.
[redacted], if you have any further questions or if I
may assist you in the future, feel free to call me at the telephone number
listed below.
Sincerely,
[redacted]
Macy’s Executive Office
###-###-#### Extension [redacted]
cc:  [redacted],
Revdex.com