Macy's

January 30, 2018   [redacted]  [redacted]   Re: Revdex.com Complaint ID #[redacted]        Macy’s store account ending in [redacted] (closed)   Dear [redacted]:   I am in receipt of your Revdex.com...

compliant which was forwarded to Macy’s Executive Office.  As a liaison in this office, I was asked to review and respond to your concerns on behalf of Department Stores National Bank.  Please accept my apology for any confusion regarding your account balance.   When you contacted us on October 17, 2017, your prior billed balance was $112.41, as reflected on your October 8, 2017, billing statement.  Your full balance on this date, including your new charge of $25.43 from October 9, 2017, was $137.84.  We received your payment of $112.41 on October 17, 2017.      Your next billing statement closed on November 7, 2017, with a balance of $27.43.  This consisted of the purchase made on October 9, 2017, as well as a $2.00 interest charge that was assessed on November 7, 2017.  This statement carried a due date of December 4, 2017.  When this payment was not received, a late fee of $27.00 and interest charge of $2.00 were assessed on December 4, and 8, 2017, bringing your account balance to $56.43.  The following month an additional late fee of $38.00, and $2.00 interest charge were assessed, bringing your account balance to $96.43 with your January 8, 2018, closing date.  We have no record of returned mail on your account, which suggests these statements were delivered.    Please know that our calls are intended as a courtesy to remind customers of a recently missed payment, it is also an opportunity to assist our customers with maintaining a good payment and credit history with us.  Your account was noted with your request to not contact you by phone regarding the debt on your account on January 5, 2018.    Due to the incorrect information provided regarding your balance, on January 9, 2018, the late fees, interest charges, as well as the merchandise purchase of $25.43 from October 9, 2017, were all removed from your account.  Your account has a zero ($0.00) balance and no additional fees will be charged.  We have cleared our internal records of any delinquency reported for the time period of January 2018, and requested that [redacted], [redacted], and [redacted] remove the delinquency from your credit report.  Please allow the agencies approximately thirty (30) days to make the necessary corrections to their files.  Until then, this letter will also serve as confirmation.  As requested, your account was closed on October 17, 2017.   [redacted], thank you for bringing this matter to our attention and giving me the opportunity to respond.  We appreciate you and your wife’s many years of loyalty, and we are sorry if this situation may have jeopardized our business relationship.  Please do not hesitate to call me at the telephone number listed below if I may be of further assistance.   Sincerely, Kristi C. Macy’s Executive Office ###-###-#### Extension [redacted]   cc: [redacted], Revdex.com

Re: Complaint ID #[redacted]
 
Dear
Ms. Geers: 
 
We
received the complaint for [redacted] regarding ID [redacted].  The customer stated that they have been
inconvenienced by the delay in receiving a [redacted] [redacted] Duffle Bag.  We have contacted...

the customer directly to
resolve their concerns.  A new order has
been placed for a comparable item and the customer will receive the shipment in
the next 5 business days.  Based on the
above, Macy's considers this matter resolved and closed satisfactorily.
 
Sincerely,
 
Tonie R.
Macy's Executive Office
###-###-#### Extension [redacted]

November 11, 2016     [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 this matter may have caused you.   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 $37.00 for any additional past due payments 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.  This may result in a statement containing only an interest charge.   Applying this billing policy to your account, for the billing statement ending June 23, 2016, the unpaid balance was $63.96, with a $27.00 minimum payment due by July 20, 2016.  When no payment was received by this date, a $27.00 late fee and $2.00 minimum interest were charged, making your new unpaid balance $92.96 for the billing statement ending July 24, 2016.  The minimum payment for this statement was $57.00 due by August 20, 2016.  When no payment was received by this date, a $37.00 late fee and $2.09 interest was charged for a new unpaid balance of $132.05.  When no payments were received on your account, additional late fees and interest continued to accrue.  On October 29, 2016, we received a payment of $77.00.  My review of this matter found that all late fees and interest were correctly charged in accordance with the Credit Card Agreement; however, as a courtesy, I have removed the remaining $120.96 in late fees and $14.65 in interest charges, bringing your account to a zero ($0.00) balance.    [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,   Monique M. Macy’s Executive Office ###-###-#### Extension [redacted]   Enclosures / mailed November 11, 2016   cc: [redacted], Revdex.com

February 22, 2016
[redacted]
[redacted]
[redacted]
Re:  Revdex.com
complaint ID [redacted]
        Macy’s account ending in [redacted]
Dear [redacted]: 
We are in receipt of...

your complaint filed with the RevDex.com, which was 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.  I sincerely regret any
frustration you may have experienced regarding your Macy’s account. 
According to the Department Stores National Bank Credit Card 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 monthly interest charge is $2.00.  Applying this billing policy to your Macy’s
account, the $2.00 interest charge that appeared on your June 18, 2015, billing
statement was interest assessed between the bill date of May 18, 2015, and May
26, 2015, when your past-due payment of $37.00 posted to your Macy’s account.  Interest charges and late fees continued to
be applied in subsequent months, ultimately reaching a balance of $61.76.  All of the fees were removed on January 11,
2016.  However, an excess $13.06 was
adjusted in error, which I have corrected. 
Your account now has a zero balance. 
This letter will also confirm that your account was closed at your
request on October 23, 2015.  In
addition, we have removed the delinquent payment history from our records
related to this situation and instructed the credit agencies to update their
records as well.  Please allow 7-10 days
for the agencies to respond to our request. 
Thank you for bringing this matter to our attention and giving me the
opportunity to respond.  If I may be of
any additional assistance, feel free to contact me at the telephone number
listed below. 
Sincerely,
Michael
J.  
Executive
Liaison 
###-###-####
Extension [redacted]
cc:
[redacted], Revdex.com

December 12, 2017 [redacted]Marketplace Resource ConsultantCincinnati Revdex.com Dear [redacted]:  I am in receipt of complaint ID: [redacted]. I have reviewed the consumer's account, and verified fraud-related issues. The $18.99 charge has been removed from the account, which now has a zero balance. I will be sending a $25 Macy's gift as a token of apology for the inconvenience experienced.  At this time, Macy's will consider this matter closed. Sincerely,  Steven A.Liaison, Omnichannel Executive Office | Macy's, Inc.9111 DUKE BLVD | MASON, OH 45040Office: ###-###-####

[redacted]   [redacted]   July 25, 2016   [redacted]
[redacted]
[redacted]   Re:  Revdex.com Complaint ID [redacted]         Macy's account ending in [redacted]   Dear [redacted]...

[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).  Please accept my apology for any inconvenience you may have experienced.    The billing statement for the period ending June 3, 2016, had a $506.65 balance, with a $27.00 minimum payment due by July 1, 2016.  When no payment was received by this date, your account was charged a $27.00 late fee and an $11.58 interest charge in accordance with the terms of the DSNB Credit Card Agreement.  We received your initial payment of $612.55 on July 4, 2016, however, the account that you made the payment from rejected it on July 6, 2016, stating the bank account was closed and your account was charged a $27.00 returned check fee.    On July 7, 2016, our records indicate that you updated your payment source in our online servicing center and we sent an email confirmation to [email protected].  On that same day, you submitted a new $612.55 payment.  On July 10, 2016, your store purchase was declined because the replacement payment had not been processed yet and you were advised it may take three (3) to five (5) days for the payment to be processed.   I was disappointed to learn about the poor experience you had with our Customer Service Representatives.  Be assured that the service you describe receiving is not the level of service we expect to be provided.  Accordingly, I have forwarded your complaint and this letter to our Customer Service Management Team so this matter will be addressed with the involved parties.  In addition, as a gesture of goodwill, we have removed the $27.00 late fee, $27.00 return check fee, and $12.41 in interest charges as a courtesy to you.  I have also added 5,000 Plenti Points to your account. As of the date of this letter, your account has a zero ($0.00) balance.   [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 contact me at the number listed below.   Sincerely,     Janice D. Macy's Executive Office ###-###-#### Extension [redacted]   cc:  [redacted], Revdex.com Customer Service Management Team

July 20, 2016     [redacted]
[redacted]   Re:  Revdex.com Complaint ID [redacted]         Macy’s [redacted] account ending in [redacted]   Dear [redacted]...

[redacted]:   We are in receipt of your complaint 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 concern this situation regarding your Macy’s [redacted] account may have caused.    My review of your account confirmed that, as requested in your complaint, all interest charges were previously removed from your Special Event payment plan, which brought your account to a credit balance of $53.20.  That amount was refunded to you on July 6, 2016, bringing your account to a zero balance.  Also, be assured that this matter had no negative effect on your credit report.  Your account was closed on June 27, 2016, at your request.   [redacted], we appreciate this opportunity to respond.  If you have a question concerning another matter, feel free to call me at the telephone number noted below.    Sincerely,     Michael J. Macy’s Executive Office  ###-###-#### Extension [redacted]    cc:  [redacted], Revdex.com

December 23, 2016Dear [redacted]:I am in receipt of your complaint [redacted]. We contacted the customer and offered an accommodation of 100%. The customer is accepted the offer and Macy's considers the matter resolved.Thank you,Macy's Executive Office  Sincerely, Sue M.Macy's Executive...

Office###-###-#### Extension [redacted]

December 27, 2017Dear [redacted]: I am in receipt of your complaint #[redacted] forwarded to us by the Revdex.com. As a representative of Macy's Executive Office, I have reviewed this matter thoroughly and provide the following response. We do not believe we have any...

responsibility nor any legal requirement to offer any compensation, due to your previous history with our company. Should you desire further redress or if you dispute our position, please seek outside legal counsel for advice regarding potential litigation. We will be fully prepared to defend our position. We will not respond to the Revdex.com on any further concerns pertaining to this matter. Thank you. Sincerely, Tara B.Liaison, Omnichannel Executive Office | Macy's, Inc.9111 Duke Blvd. | Mason, OH 45040Office: ###-###-#### Fax: ###-###-####

MacysP.O. Box 8220Mason, OH 45040April 30, 2018[redacted]RE: Revdex.com Complaint ID: [redacted]Macy's Accounts Ending in [redacted] and [redacted]Dear [redacted]:I am in receipt your complaint submitted to Macy's Executive Office by the Better...

Business Bureau (Revdex.com). As a liaison in this office, I have been asked to review and respond to your concerns on behalf of Department Stores National Bank (DSNB). Please accept my sincere apology regarding any frustration you may have experienced with your Macy's account.An analysis of your account ending in [redacted] shows that a purchase was made on August 5, 2017, in the amount of $32.24. This purchase resulted in a balance of $32.24, with a minimum payment of $27.00, due by October 1, 2017.: No payment was received by the due date, and your account was charged a $27.00 late fee and interest in the amount of $4.81. On September 14, 2017, a fraudulent purchase of $250.40 was made using your account, resulting in a balance of $314.45, with a minimum payment due of $62.81, due by November 1, 2017.On October 13, 2017, a security closure of the account ending in [redacted] was processed due to the fraudulent purchase, and on October 15, 2017, a balance transfer of $314.45 was made to the replacement account that was established ending in [redacted]. On October 17, 2017, a credit adjustment of $250.40 and an interest credit of $3.99 were made, and a previous cycle minimum interest charge of $1.18, was charged. In November 2017, a late fee and interest totaling $39.00 were charged, resulting in a balance of $100.24, with a minimum payment of $97.00, due by December 1, 2017, On November 4, 2017, a $2.00 interest charge and a $37.00 late fee' were credited, and on November 14, 2017, a payment of $32.24 was received. On December 1, 2017, and December 5, 2017, a $38.00 late fee and a $2.00 interest fee were charged respectively, resulting in a balance of $69.00, with a minimum payment due of $69.00, due by January 1, 2018. No payment was received in January 2018, and a $38.00 late fee and $2.00 in interest were charged, resulting in a $109.00 balance, with a minimum payment of $109.00, due by February 1, 2018. However, your February 2018, billing statement shows credits of late fees and interest totaling $111.00, resulting in a $2.00 credit balance. On April 4, 2018, a credit balance refund of $2.00 was provided, resulting in a zero ($0.00) balance.In accordance with the terms and conditions in your DSNB Credit Card Agreement, you are required to pay the minimum payment due on all undisputed charges by the applicable due date. You made a purchase of $32.24 on August 5, 2017, but did not pay for the merchandise until November 14, 2017.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. It is the Bank's policy not to remove anydelinquency from your credit report, unless it occurred as a result of a billing dispute. 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. After researching the delinquency on your account, we found that the information is correct. Our records indicate we did not receive payments on the account from August 2017 through November 14, 2017. Unfortunately, we are unable to accommodate your request to remove the delinquency from your credit bureau report.Thank you for allowing me the opportunity to assist you. I understand that you have been seeking resolution to this issue through Macy's Credit Customer Service Department; however, should you have additional questions, feel free to contact me at your convenience.Sincerely,Durand C.Macy's Executive Office ###-###-#### Extension [redacted]cc: [redacted]Revdex.com

July 16, 2015
 
 
[redacted]
[redacted]
[redacted]
 
Re:    Macy’s [redacted] account ending in [redacted]
 
Dear [redacted]:
 
I am in receipt of your complaint filed with the Revdex.com and forwarded to Macy’s Executive Office.  As a liaison in this office, I was asked to review and respond to your concerns on behalf of Department Stores National Bank.  We sincerely regret any frustration you may have been caused regarding unauthorized charges to your Macy’s [redacted] account referenced above.
                                        ...⇄
Upon examining your fraud claim, I confirmed that you disputed the charge and total balance due of $109.85 on March 30, 2015; unfortunately, an error occurred when your account was not coded as lost or stolen.  This error caused your initial fraud claim to be declined on June 10, 2015.  After reviewing your account history, I can certainly understand your frustration with the events that occurred, and I sincerely apologize.  The level of service you have received is not indicative of the level of customer service that we strive to provide.  Although we do not like to hear that we have disappointed you, your feedback is important, as it allows us an opportunity to learn of areas that we can improve.  Accordingly, I have forwarded a copy of your complaint and this response to appropriate management so that the issue can be addressed with the associate involved.
 
I confirmed that on July 3, 2015, this error was corrected and our Fraud Department was able to complete their investigation.  On that same date, a credit totaling $172.06 was posted to your account for the $109.85 in unauthorized charges and accumulated late fees and interest, which brought your balance to zero ($0.00).  Your account was closed on July 9, 2015, as you requested.
 
Additionally, we cleared our internal records of any delinquency associated with this issue.  On July 7, 2015, we requested that [redacted] delete the late payment history reported for June 2015 on your Macy’s [redacted] account from your credit report.  Kindly allow at least seven (7) to ten (10) business days for the agencies to modify their records to reflect the information contained in our request.  This letter may serve as confirmation of the same in the interim.
 
Please be assured that the security of our customer’s information is a high priority at Macy’s.  Our security and that of our affiliates have not been compromised or breached in any way as you indicated in your letter.  There was never any intention to be dishonest as you stated in your complaint and we regret that you feel otherwise. 
 
[redacted], thank you again 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]
 
cc:     [redacted], Revdex.com
         Customer Service 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.  Macys no longer sells the couch that I purchased a year ago.  I was offered a new couch in return for the damaged one.  While I appreciate that very much, Macys does not have any other couches that are even similar to what I purchased.  Since Macys has said that this is a manufacturer's defect and can no longer replace the items covered by the warranty, I would like a refund for the couch and for the warranty.  The sofa was $999.00 and the warranty that is now useless was $248.00. 
[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. 
1. This matter all
caused by Macy's sales faults
               >>I had never lost my card, and I did not report
lost/stolen. The only reason I request replace a card is because I found a
unauthorized purchase on my account. It is a common action to request new card
for this.
               >>The customer services who answered my call told
me the purchase was a pre-sale. Which mean the customer who used my card did
not took the items when he/she made the purchase. There would be a sale going
to happen few days after the date of purchase, so he/she pay the price with
discount and pick up when sales happen. A person who want use other people's
account will not do this. He/she will get the product ASAP.
               >>The only way this could happen is the customer
mistakenly entered my SSN and sales did check ID. So this is all Macy's Sales fault.
2. My account is already
reported as late to Credit reporting bureaus and my Credit score dropped 42
Points!!!
               >>Business response mentioned my account will
not be reported late to the credit reporting bureaus but it already does and my
FISCO score dropped 42 points!! I'm buying house right now and will need mortgage
soon. These points will cause me high interest rate or even rejected
application.
               >>I follow everything that Macy's employee
request. They told me no need to do anything they will take care of me. they told
me wait for the form and I did got it for months. They told me they won’t
report late pay but they did. How can a big company like Macy's treat their
customer like this??? 
               >>If they this could hurt my credit why not ask
me pay the bill first and mail me check after fraud claim closed?
 
3. My requests
               >>contact credit reporting bureaus ASAP to fix
my credit score.
               >>Send me an receipt or approval that indicate
credit reporting bureaus received their request
               >>$1000 Cash to pay my time wasted, upset and
possible lost for future mortgage/loan. Cash request improved because my credit
score affected.
It is not Macy's
practice to compensate but it is their practice to mess up customer's credit?
Regards,
[redacted]

Hello [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 didn’t receive you’re order. I have issued full credit back to your account, you will...

see this credit in 3 to 5 business days.  As a valued customer we appreciate your feedback, and hope you continue to shop at Macy’s. [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.  Dakota B.Liaison, Omnichannel Executive Office | Macy's, Inc.9111 DUKE BLVD | MASON, OH 45040Office: ###-###-#### Fax: ###-###-####

[redacted]  [redacted]     November 21, 2017   [redacted], **  [redacted]   Re:  Revdex.com Complaint ID [redacted]         Macy’s account ending in [redacted]...

        Dear [redacted]:    I am in receipt of your Revdex.com complaint which was forwarded to Macy's Executive Office.  As a liaison in this office, I was asked to review and respond to your concerns on behalf of Department Stores National Bank (DSNB).  Please accept my personal apology for any inconvenience you may have experienced.     Macy’s takes pride in presenting every customer with an enjoyable shopping experience.  Therefore, I was disappointed to learn that we may have fallen short of our goal during your recent visit to the [redacted] store.    To clarify, during the application process you were presented with a screen stating “If you have not received the new account brochure from the Sales Associate, please ask for one.”, and you would have to press “confirm” to continue the application process.  The next step in this process is to enter in your personal information.  In the final step, we presented you with all the entered information and asked you to validate that it was correct and then presented you with a screen asking for your signature.  Above the signature line, it reads, “Thank you for applying for a Macy’s account.”, and below the signature line, it states “By signing above and pressing Accept, I certify that I have received and agree to the credit card disclosure and card agreement in the new account brochure.”   I apologize if it wasn’t clear that you were indeed applying for a new account.   Our records indicate that you opened your account on November 12, 2017, with a $63.71 purchase.  A copy of your receipt is enclosed as reference.  Your signature signifies that you received and agreed to be bound by the notices and credit terms of the DSNB Credit Card Agreement.  On November 13, 2017, the account was closed at your request when you spoke to one of our representatives.    As a credit provider, we are obligated to report the account accurately to the credit reporting agencies.  Because you signed the credit application and initial charge receipt, the account was opened and used for your purchase.  As of the date of this letter, your account is closed with a zero ($0.00) balance.       Respectfully, I am unable to remove the account from your credit report as you requested.  I understand that this is not the resolution you are seeking; however, we must maintain and adhere to specific policies and procedures to ensure consistent treatment for all our customers.  [redacted], thank you for bringing this matter to our attention and giving me an opportunity to respond.  Should you have additional questions, please call me at the number listed below.    Sincerely,  Janice D. Macy’s Executive Office ###-###-#### Extension [redacted]   Enclosure /mailed November 21, 2017   cc:  [redacted], Revdex.com

June 14, 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 Macy’s Executive Office by the Better...

Business Bureau.  As a representative of this office, I was asked to review and respond to your concerns on behalf of Department Stores National Bank.  Please accept my personal apology for any inconvenience or frustration you may have experienced, and for the delay in resolving this issue. I was pleased to find that our Fraud Department deemed the charges as fraud on April 11, 2016, and a clearing letter was sent to you.  As of this date, they removed $137.04 in unauthorized charges, as well as $113.91 in associated late fees and interest charges from your account ending in [redacted].  As of today’s date, your Macy’s [redacted] account is closed with a zero ($0.00) balance.  Also, we cleared our internal records of any delinquency associated with this issue and requested that [redacted], [redacted], and [redacted] delete the late payment history for February 2016  through April 2016 on your Macy’s [redacted] account from your credit report.  Kindly allow at least thirty (30) days for the agencies to modify their records to reflect the information contained in our request.  Until then, this letter will also serve as confirmation.Also, please accept my apology for your frustration with our telephone system.  Our Interactive Voice Response Unit (IVR) is similar to those used in organizations around the country.  It is designed to allow our customers access to information 24 hours a day, 365 days a year.  The IVR is intended as a convenience, not as a replacement for human contact.  You can reach one of our associates during business hours by selecting the final option in the IVR.  [redacted] we understand that you have a choice of where to shop and we are sorry this unfortunate incident may have jeopardized our business relationship.  There is no excuse for the service you received and I can only apologize on behalf of our organization.  I have enclosed a $25.00 Macy’s gift card as a token of our appreciation.  We regret that you have closed your account due to this issue.  If I may be of further assistance, please do not hesitate to contact me at the number listed below. Sincerely,Alison G.Macy's Executive Office###-###-#### Extension [redacted]Enclosure / mailed June 14, 2016cc:  [redacted], Revdex.com

Re: Revdex.com Complaint ID [redacted]
 
Dear
[redacted]: 
 
I
contacted [redacted] by phone to resolve her complaint and to apologize for any
inconveniences she experienced as a result of her macys.com order #
[redacted].  A new order has been placed
for the watch...

with an additional 20% off. 
Based on the above, Macy's considers this matter resolved and closed
satisfactorily.
 
Sincerely,
 
 
 
[redacted]
Macy's Executive Office
###-###-#### Extension [redacted]

June 9, 2016[redacted]
[redacted]
[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 Better...

Business Bureau.  As a representative of this office, I was asked to review and respond to your concerns on behalf of Department Stores National Bank.  I had hoped to discuss this matter with you personally, but unfortunately, I was informed you were unavailable when I called on May 31, 2016.  I sincerely apologize for any frustration this matter may have caused you.Our records indicate that on March 13, 2016, you called and spoke to a Customer Service Representative who placed your account in dispute for the double-charged amount of $329.98.  We received your payment of $265.00 on April 10, 2016, and on April 26, 2016, our billing adjustments team completed their research and removed the $329.98 charge from your account.  However, the New Account Discount was applied as a debit of $24.55, resulting in a balance of $20.53, to which I removed on May 31, 2016.  As of the date of this letter, your account is closed with a zero ($0.00) balance. [redacted], thank you for bringing this matter to our attention.  We understand you have a choice of where to shop and we are sorry we have disappointed you.  If I may be of additional assistance in the future, please do not hesitate to contact me.   Sincerely,Stephanie Ca.Macy's Executive Office###-###-#### Extension [redacted]cc:  [redacted], Revdex.com

[redacted]   [redacted]
 
  
August 24, 2015
 
 
[redacted]
[redacted]
[redacted]  [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
[redacted] and forwarded to Macy’s Executive Office.  As a liaison in this office, I was asked to
review and respond to your concerns on behalf of Department Stores National
Bank.  We sincerely regret any
frustration you may have experienced regarding how interest charges are applied
to your Macy’s account and let me assure you that Macy’s does not engage in any
deceptive or unethical business practices.
 
Per the Department Stores National Bank
Credit Card 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 funds loaned to you during that period.
 
Applying this billing policy to your Macy’s account, the $7.37 interest
charge that appeared on your August 2015 billing statement was for your account
balance between the last bill date of July 8, 2015, and the date (August 3,
2015), that your $433.89 payment was received. 
The $7.37 was reversed as a courtesy to you when you called our credit
office on August 19, 2015.  You can avoid
all interest charges on your account by paying your account balance in full
each month.   I can confirm that your
account balance is currently zero ($0.00).
 
[redacted], we appreciate you for bringing this
matter to our attention and giving me the opportunity to reply.  Your business is important to us and we truly
appreciate having your continued loyalty. I regret that I was unable to reach
you by phone to discuss this matter personally and if I can be of any further
assistance, please do not hesitate to contact me at the telephone number listed
below. 
 
Sincerely,
 
 
Carrie W.
Macy’s Executive Office
###-###-#### Extension [redacted]
 
cc:   [redacted],
Revdex.com   The Macy's card is issued by Department Stores National
Bank.

October 25, 2016 [redacted], I am in receipt of complaint ID [redacted]. I spoke to [redacted], (the customer on the sales check), and went over the furniture warranty to see if she had any concerns regarding the merchandise. She stated the merchandise was fine except for a snag on the fabric...

which is out of warranty. I advised the customer Macy's is unable to return the merchandise, but did inform her WorryNoMore was purchased and a claim could be made for any covered issues. At this time, Macy's considers this closed. Sincerely, Macy's Executive Office