Macy's

June 15, 2016 [redacted] 
[redacted] 
[redacted] Re:  Revdex.com Complaint ID [redacted]         Macy’s account ending in [redacted]  On behalf of Department Stores National Bank:   Contact Date with Customer:...

 June 6, 2016  Complaint Summary:  [redacted] has been waiting for the removal of fraudulent charges made to her account on March 3, 2016.  She also wants the credit bureaus notified that she was not delinquent.  Resolution:  I called [redacted] and she confirmed that this situation had been resolved in May 2016.  The full amount of the charges, $1,695.10, has been removed along with the $27.00 late fee.  We have removed the record of delinquency from our records and her credit bureau report.  I apologized for any inconvenience she may have experienced.  Her account is open with a credit limit of $1,900.00.  This resolved her complaint.  Michael J. Macy’s Executive Office###-###-#### Extension [redacted]cc: [redacted], Revdex.com

[redacted]   [redacted] August 30, 2016  [redacted] Re: Macy's Store Account Ending in [redacted] (closed)    Macy's Store Account Ending in [redacted]    Macy's [redacted]...

Account Ending in [redacted] (closed)    Macy's [redacted] Account Ending in [redacted]    Complaint ID: [redacted] Dear [redacted]:   I am in receipt of your complaint forwarded to us by the Revdex.com.  As a representative of Macy's Executive Office, I was asked to review and respond to your concerns on behalf of Department Stores National Bank. Please accept my sincere apology for any inconvenience or misunderstanding you may have experienced regarding the above-referenced accounts.  As customer service is crucial to the success of our business, it is always a concern when one customer is not satisfied with the level of service we provided.  It appears that we fell short of our goal to provide you excellent customer service and we thank you for bringing this matter to our attention.  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 four digits of your current 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 current 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. A review of the above-referenced accounts shows we closed your Macy's [redacted] Account ending in [redacted] on June 15, 2016, as a security measure after possible fraudulent activity was reported and a new [redacted] account ending in [redacted] was established.  The balance of $2976.39 was transferred to the new [redacted] account ending in [redacted].   Your Macy's store account ending in [redacted] was reported lost due to the card being left in the store on December 20, 2013, and the account number changed to the current Macy's store account ending in [redacted] at that time. For your records, under separate cover, I am sending copies of monthly statements on the account ending in [redacted] for the closing date of August 30, 2015, through the statement closing date of June 29, 2016, and for the Macy's [redacted] account ending in [redacted] for the closing date of November 4, 2015 to the present.   Six of your payments made between August and October 2015 were incorrectly applied to the closed store account ending in [redacted], because, as you explained in your correspondence, your bank's online bill pay still had the old account listed.  The misapplied payments created a credit balance totaling $705.00, as shown on the statement for the closing date of October 29, 2015.  On October 31, 2015, one of our associates initiated a transfer of that credit balance to your Macy's [redacted] account ending in [redacted].  On the same day, a different associate transferred six (6) payments totaling $705.00 from the Macy's account ending in [redacted] to the [redacted] account ending in [redacted].   Unfortunately the $705.00 credit on your Macy's account ending in [redacted] was incorrectly transferred twice, once as payment transfers and once as a credit balance transfer.  This resulted in a $1,410.00 credit to your Macy's [redacted] account ending in [redacted], and a debit to your Macy's account ending in [redacted] totaling $705.00.  In order to correct this error, one of the $705.00 credits was reversed on August 23, 2016.  This reversal resulted in a $705.00 debit to your [redacted] account and a $705.00 credit to your Macy's account ending in [redacted], and as of the date of this correspondence, your Macy's account ending in [redacted] has a zero ($0.00) balance.  This correction has brought your Macy's [redacted] account balance over your credit limit of $3,400.00.  The balance on the [redacted] account is currently $3,855.44, and as of the date of this correspondence is currently past due for a payment.  A $94.82 minimum payment was due by August 1, 2016.  We did not receive a minimum payment resulting in a $27.00 late fee.  A $215.69 minimum payment is due by September 1, 2016.Due to the error that occurred with the payment transfers on October 31, 2015, we have cleared our internal records of any delinquency associated with this issue, and have instructed the credit reporting agencies to update their records and delete any history of delinquency from the time period of November 2015 to the present.  Please allow the agencies thirty (30) business days to make the necessary corrections to update their files.  This letter will serve as confirmation of this request.  Please contact me at the telephone number below in order to have the account considered for a credit limit increase. Additionally a payment for $200.00 was received on October 30, 2015, and was applied to your Macy's account ending in [redacted].  On August 19, 2016, we transferred the $200.00 payment from the closed account to your current Macy's account ending in [redacted] which now has a $569.24 balance.   [redacted], your continued loyalty is important to us as well as appreciated, and I am sorry this matter was not resolved sooner.  Please accept the enclosed $50.00 in Macy's Money in the interest of customer service.  I hope you will view this as an isolated incident and allow us the opportunity to mend our business relationship with you.  If I may be of further assistance, please feel free to contact me at the telephone number listed below.  Sincerely,   Nancy M.Macy's Executive Office###-###-#### Extension [redacted] Enclosures cc: [redacted]     The Revdex.com American Express is a federally registered service mark of [redacted] and is used by Department Stores National Bank pursuant to a license. This credit card program is issued and administered by Department Stores National Bank.This is an attempt to collect a debt and any information obtained will be used for that purpose.

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]

January 18, 2017[redacted]Re: Macy's Account Ending in [redacted]Better Business Complaint ID: [redacted]Dear [redacted]:I am in receipt of your complaint forwarded to us by the Revdex.com. As a representative of Macy's Executive Office, I...

was asked to review and respond to your concerns on behalf of Department Stores National Bank. I sincerely regret any inconvenience you may have experienced regarding the above-referenced account, and apologize if you did not receive a promised call back from our representatives. As customer service is crucial to the success of our business, it is always a concern when a customer is not satisfied with the level of service we provided. It appears that we fell short of our goal to provide you excellent customer service and we thank you for bringing this matter to our attention.Our records show Macy's Executive Offices responded to a [redacted] complaint filed on your behalf on April 6, 2016. The Executive Office also responded directly to your attorney on July 18, 2016, and again on November 2, 2016, in which we explained that we must have written permission on file to discuss account details with anyone other than the account owner. We enclosed an Authorization to Release Credit Information document with a request for you to complete and sign it, then return it to our offices. As of the date of this correspondence we still have not received this completed document.We received letters from the [redacted] dated January 6, 2016, and February 8, 2016, instructing Macy's to close your account and to cease and desist from further communicationregarding the above-referenced account. On January 16, 2016, your account was updated to reflect your request for a Cease and Desist and was closed. Unfortunately we have no record of a payment for S80.59, as noted in your complaint, and no record of the confirmation number you provided. If you have documentation showing any payments that have not been applied to your account, please fax or mail this to my attention for immediate research.[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,Nancy M.Macy's Executive Office[redacted]

[redacted]   [redacted]       August 11, 2016   [redacted]   Re:  Revdex.com Complaint ID [redacted]        Macy’s [redacted] account ending in [redacted]   Dear [redacted]:    I am in receipt of your additional complaint filed with the Revdex.com and forwarded to Macy’s Executive Office.  As a representative of this office, I was asked to review and respond to your most recent inquiry on behalf of Department Stores National Bank.  It is regrettable to learn that you feel our prior response did not adequately answer your concerns.   As previously mentioned, we show email alerts notifying you that your statements are ready to view are being sent to [redacted].  We have no record of these email alerts being returned as undeliverable.  For further assistance with logging into your online profile, please contact our Technical Support Team at ###-###-####, option 6.   Upon review of your account, I found that a payment was made in the Macy’s [redacted] Store on August 4, 2016, in the amount of $35.68.  This resulted in a credit balance of $20.84, which I have taken the liberty of requesting a credit balance refund check for this amount.  You should receive this check under a separate cover within seven (7) to ten (10) business days.  As of the date of this letter, your account is open with a zero ($0.00) balance.   Thank you for bringing your concerns to our attention and allowing me the opportunity to respond.  If I may be of further assistance, please do not hesitate to contact me at the telephone number listed below.   Sincerely,     Stephanie C. Macy's Executive Office ###-###-#### Extension [redacted]   cc:  [redacted], Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted] Hi, I just sent you an email about my complaint id # ID [redacted]. I just got a letter in the mail from them today with a check for what I paid. So please disreguard my prior email saying I did not consider it closed. Thank you,[redacted]

Good afternoon, It looks like this complaint has now been satisfied with the company.  Please Cancel this Complaint.  Thank you for your help, [redacted]

[redacted]
[redacted]   
[redacted]
[redacted]
 The major problem I see is that a return mail was supposedly sent by the USPS with a forward to the [redacted] address.  This cannot be true because non of my other mail was diverted.  Moreover, when I spoke with the rude CSR she specifically told me that it was done by a "human".  She was not able to give me her name but I was put on hold several times as the CSR was speaking to someone else and coming back with comments.  When I asked how the "human" was able to change the address in fraud, she became very defensive and told me that Macy's would reprimand the "human" as they see fit and they would not divulge the information to me.  She kept saying the Macy's would speak with the "human" and take action.  She was able to tell me that the "human" was a Macy's representative.  Why would management reprimand this person "as they saw fit" if this person did not do something in error.  I continued to say this is fraud if someone changed my address (apparently not the post office) without my knowledge.  Why was I not contacted by phone.  This this "human" change all my information without my knowledge?  That is fraud to me.

[redacted]   [redacted]
February 3, 2016
[redacted]
[redacted]
[redacted]
Re:  Revdex.com complaint [redacted]
       Merchandise...

quality
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.
We
are sorry that you were not pleased with the quality of your recent purchase
and thank you for bringing this matter to our attention.  We work closely with our vendors to make sure
that our merchandise meets our expectations. 
Please accept our sincere apology for disappointing you and we look
forward to better meeting your needs in the future.  Our Risk Claims Department would be able to
discuss your concerns with you, and submit a claim on your behalf.  Please contact them at your convenience at ###-###-####.
Again,
thank you for bringing this matter to our attention and allowing us the
opportunity to respond.  If I may be of
any further assistance, please do not hesitate to contact me at the telephone
number listed below. 
Sincerely,
Stephanie C.
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.   
As stated previously, I did NOT see anything on the website when I made my payment that stated it was electronic bills, or else I would have unchecked it. Therefore, this is an error in which I am disputing. It does NOT matter to me how many times you state that I chose electronic bills, because it does NOT make that a fact/true statement. I also sent you a payment that was not returned and therefore I thought that I received no bills because this bill had been payed in full. As stated before, I don't do electronic bills for the simple fact that I need the reminder as a veteran with memory issues since returning from the military in 2005. Whether this memory issue is due to exposures from the war or from the head injury I sustained in an attack from another soldier in my unit is unclear, but the fact remains that I rely on the paper statements through the mail because of that and the fact that my email registers too many emails daily and therefore things are missed. See, I know where I have issues and I have set things in place like paper bills in order to avoid issues such as this that as you stated, is ruining my credit. Had I known that you did not receive my payment, I would have paid it prior to accumulating 10 months of of charges. But I did not receive any notification and as I stated, I must have missed all the emails sent to my email due to the flood of emails I get a day, which let me reiterate, that is why I DO NOT do electronic bills. I stated that I have no problem paying off what I owed ($302.+) however, I do NOT believe that this was handled correctly and it violated my rights as a consumer. I should not be forced in to electronic bills. I do not think that everyone should have paper either, but I think it should be a right to choose. I did not see an option and therefore had no idea this was happening. Also as previously stated, as soon as I know that there was a problem, I did the right thing and I contacted the collection agency. When the collection agency told me to ask you guys, I then called card services. Yet card services was rude and treated me like a deadbeat. That is unacceptable as I am the customer and I was just trying to get some questions answered on how this could happen. After a month of that, I contacted Revdex.com for assistance. You and I have now been going round and round for months on this and every time I bring new evidence to the table, you either repeat the same thing with no evidence or you lie about something like my phone number being changed and then you state you are not obligated to call so it is irrelevant that my number has NEVER changed. But it seems to only be irrelevant because you were caught in a lie and I can prove it! I, unlike yourself am a reasonable person, so I stated that I would pay in full what I owe at time my bills disappeared and asked that you fix my credit report. Not because of my negligence, but because of yours. You refuse to make any compromise and I refuse to be screwed! As stated before, you have ruined my credit and therefore that is more valuable than the money I owe you so I am calling it even. I am done fighting. I called you several times to discuss this like adults and I only was able o speak to you once, left several voice mails that went unreturned. And during our phone conversation you made untrue allegations in which I called you out on and continued to lie until you aggravated my PTSD and I lost it at that time. I even asked to speak to someone else in which you stated that you were it, and therefore I feel sorry for the company!You have completely destroyed my image of Macy's and their quality of service and I will NEVER shop there again. I have also shared my story on FB with my friends and family. I have filed another report with the Attorney General as I have received much feedback on many other cases just like this, so this scam is not new! My next step is the news. I am requesting all communication from you to me only be through BB or the Attorney General from this day forward as I now feel like your letters to my house are harassment! You refused to send statements when they were needed, but have no issue sending and these letters that you send through here now. Had you just sent the statements before, this wouldn't even be an issue. You are dispensing more time and energy than this entire thing is worth because you refuse to admit that you were wrong, and let me assure you that you were/are!
Regards,
[redacted]

[redacted]   [redacted]
 
July 31, 2015
 
 
[redacted]
[redacted]
[redacted]
[redacted]
 
Re:  Macy's Store Account ending in [redacted]
 
Dear [redacted]: 
 
I am in receipt of your...

recent complaint filed with the Revdex.com regarding your Macy's Store account ending in [redacted].  As a representative of Macy's Executive Office, I was asked to review and respond to your concerns on behalf of Department Stores National Bank (DSNB).
 
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 our 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.  After researching the delinquency on your account, we found the information to be correct.  Our records indicate we did not receive payments on the account for the billing periods ending March 11, 2010, through September 11, 2010.  Your account charged off on September 11, 2010, for non-payment, leaving a balance due of $813.65.
 
Account records indicate that on May 22, 2014, you were offered a settlement from the [redacted] Group, the collection agency assigned to your account.  You accepted this settlement in the amount of $366.12, which was 45% of the charged off balance.  You paid the settlement amount in three installments of $122.04, which were received and posted on your account on May 28, 2014, June 25, 2014, and July 23, 2014.  Because the payment was received after the charge-off date, the credit reporting agencies were instructed to update their records and to list your account as a settled, charge-off.  [redacted] Group does not have authorization to offer the removal of account information from a credit report when settling a credit account.  However, if you have this claim in writing from the [redacted] Group, please forward to my attention for review.  If you have any further questions pertaining to your account, please contact the collection agency, [redacted] Group, at ###-###-####. 
 
Unfortunately, we are unable to accommodate your request to remove the delinquency from your credit report.  Please know, on November 14, 2014, we instructed the credit reporting agencies to update their records and report your account as 'customer disputes reporting'.
 
[redacted], I understand you are requesting some type of compensation; however, Macy's does not provide compensation due to a misunderstanding.  I hope that you can understand our position on this matter although it may differ from your own.  Please do not hesitate to contact me at the telephone number below if you have additional questions or if I can be of further assistance.
 
Sincerely,
 
 
Jessica P.
Macy's Executive Office
###-###-#### Extension [redacted]
 
cc:  Revdex.com
     Complaint ID: [redacted]

[redacted]   [redacted]
December 29, 2015
[redacted]
[redacted]
[redacted]
Re:  Revdex.com ID [redacted]
       Macy's account ending in [redacted] -...

closed
Dear
[redacted]: 
I am
in receipt of your complaint forwarded to Macy's Executive Office by the RevDex.com.  As a representative of
this office, I was asked to review and respond to your concerns on behalf of
Department Stores National Bank (DSNB). 
I apologize for any inconvenience you may have experienced.
In
accordance to the terms of the DSNB Credit Card Agreement, if you have been
paying less than the New Balance on your account balance each month 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.  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. 
Although
my review of this matter found that all interest was correctly charged, as a
courtesy to you, I removed the remaining $2.00 interest charge from your
account on December 24, 2015, resulting in a zero ($0.00) balance on the
account.  The account was closed per your
direction on September 27, 2015. 
[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

I have received a new statement from the business with added fees ($37) and interest ($2.42).  The disputed amount now totals $144.42 (up from $105.00)

April 13, 2018[redacted]RE: Revdex.com Complaint ID: [redacted]Bloomingdale's Account Ending in [redacted]Dear [redacted]:I am in receipt of a complaint forwarded to Bloomingdale's Executive Office by the Revdex.com (Revdex.com). As a...

liaison in the Executive 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 for the difficulty you experienced when speaking with Bloomingdale's Customer Service Department and attempting to make a payment by check in August 2016. As a company that prides itself on providing excellent customer service, it is always disappointing when a customer is not fully satisfied with the level of service provided.In reviewing your concerns, I pulled your billing statements from June 2016, through November 2016. For your convenience, I have enclosed the above mentioned billing statements in this mailing. Your June 2016 billing statement shows that a $39.74 purchase was made on May 27, 2016. This purchase resulted in a balance of $39.74, with a minimum payment of $27.00, due by July 24, 2016. When no payment was received by the due date, a late fee of $27.00 and a $2.00 interest fee were charged, resulting in a balance of $68.74, with a minimum payment of $57.00, due by August 24, 2016.Our records show that you called Bloomingdale's Customer Service Department on August 22, 2016. Although we were unable to review the phone call, we were able to verify from the account notes and subsequent phone calls on your account, that you attempted to make a payment on August 22, 2016. However, the associate assisting you incorrectly input your checking information, causing the payment not to be processed and causing you to incur additional fees and interest through October 2016. The late fees, returned check fee, and interest from June 2016 through October 2016 were credited, and as reflected on your November 2016, billing statement, we received payment for $39.74 on November 21, 2016, which brought your account current.In your complaint, you indicated that you verified that the payment was processed when you made your payment by phone in August 2016. For clarification, when making a payment by phone via your checking account, we can only verify that the payment has been processed by our back office at the time you make your payment; however, it can take up to five business days for the payment to actually clear your bank. Please accept my apology for any confusion with regard to this matter.I understand your desire to clear your credit bureau reports of all derogatory information. Our internal documents have therefore been cleared of the delinquency due to the associate error in August 2016.Moreover, we have requested that [redacted], [redacted] and [redacted] delete the delinquency for August 2016, through October 2016. Kindly permit the agencies approximately thirty (30) days to make the necessary corrections to their files. Until then, this letter will serve as confirmation of this request.Thank you for your continued patience regarding this matter. If I may be of further assistance, please do not hesitate to contact me at your convenience.Sincerely,Durand C.Bloomingdale's Executive Office###-###-#### Extension [redacted]Enclosurescc: [redacted]Revdex.com

[redacted]   [redacted] January 11, 2016 [redacted] Re:  Revdex.com ID [redacted]        Macy's [redacted] 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.  I apologize for any inconvenience you may have experienced.  Upon receipt of your complaint, I removed your phone number from collection calls regarding this debt and reached out to our Fraud Department to review the status of your Fraud Claim.  Our records indicate that on October 7, 2015, when you called in to alert us of the fraudulent charges on your account, per your request, we closed your account and did not reissue a new account for you.  That same day, the Fraud Department sent you a Statement of Fraud to complete and return, however we have no record that the claim form was returned.  Our Fraud Department confirmed that $984.19 in charges on the account were fraudulent and removed them on January 4, 2016.  They also removed $102.00 in late fees and $71.51 in interest associated with this issue from the account, resulting in a zero ($0.00) balance.  Additionally, we cleared our internal records of the delinquency and requested the credit reporting agencies update their records and delete any history of delinquency for the October through December 2015.  Kindly allow the agencies approximately seven (7) to ten (10) business days to make the necessary corrections to update their records.  This letter will serve as confirmation of our 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 contact me at the number listed below. Sincerely,   Janice D.Macy's Executive Office###-###-#### Extension [redacted] cc:  [redacted], Revdex.com

Revdex.com:
Although I do not believe the explanation provided by Macy's has sufficiently established that I owed the indicated amount, I will accept the response made by the business in reference to complaint ID [redacted]. The explanation provided by Macy's simply establishes that they had made several corrections to transactions that I as a customer will never be able to verify. I hope you have taken notice that it took me submitting a complaint with your office in order to receive this explanation that I've been requesting for the past 6 months. I also hope you noticed that Macy's acknowledged miss-applying payments on numerous occasions and issued statements with inaccurate and misleading transaction descriptions. Frankly I'm resolving to accept this settlement because I'm exhausted pursuing this matter, however I believe Macy's will continue such practices bringing grief and anxiety to unsuspected customers. I truly hope Revdex.com will take what ever action is within their purview based on the admissions in Macy's response. 
Regards,
[redacted]

[redacted]   [redacted]
 
 
 
 
September 3, 2015
 
 
[redacted]
[redacted]
[redacted]
 
Re:  Revdex.com ID [redacted]
 
Dear
[redacted]: 
 
I am
in receipt of your complaint forwarded to Macy's Executive Office by the RevDex.com.  As a representative in
this office, I was asked to review and respond to your concerns.  While my
attempts to reach you by phone were unsuccessful, I was able to send you an
email on August 18, 2015, requesting additional information, and I thank you
for your prompt response.
 
Per
your request, we submitted the required form to transfer the funds in the
amount of $41.87, from the EZ Exchange card #[redacted] back to your [redacted]
account ending in [redacted].  Please allow fourteen
(14) business days for the funds to appear on your [redacted] account. 
 
[redacted]
[redacted], thank you for bringing this matter to our attention and allowing me
the opportunity to respond.  If I can be
of further assistance, please contact me at the telephone number listed below.
 
Sincerely,
 
 
Janice D.
Macy's Executive Office
###-###-#### Extension
[redacted]
 
cc:  [redacted],
Revdex.com

P.O. Box 8220 Mason, OH 45040 January 23, 2018   [redacted]  [redacted]   Re:  Revdex.com Complaint ID #[redacted]         Macy’s account ending in [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 liaison in this office that previously addressed your concerns, I was asked to review and respond to your most recent inquiry on behalf of Department Stores National Bank (DSNB).  Please be assured that the Bank does not participate in unethical credit practices.    As I explained in my letter dated January 18, 2018, per the DSNB Credit Card Agreement (Agreement), if you have been paying less than the Total Now Due on your account balance each month and you then decide to pay your balance in full, you will be charged interest charges on that balance from the first day of the billing cycle until the date that your payment is received.  The minimum interest charge is $2.00.  This interest charge is for the money loaned to you during that period, and will appear on the next month’s billing statement.  You can avoid being charged interest by paying your account balance in full every month by your payment due date.    Applying this billing policy to your Macy’s account, the $37.68 interest charge that appeared on your billing statement with the closing date of August 24, 2017, included interest assessed between the last statement closing date of July 24, 2017, and the date (August 23, 2017) that your $1,786.12 payment posted to your Macy’s account.  When no further payments were received, the account continued to accrue interest charges and late fees and your account was reported past due to the credit reporting agencies.   Had you paid the $37.68 interest charge by the payment due date of September 20, 2017, and not made any new purchases, you would have had a zero balance the next month and would not have been charged late fees or additional interest.  We received your payment for $145.04 on December 15, 2017.  My review of this matter found that all fees were correctly charged to your Macy’s account and delinquencies were reported properly, in accordance with the Agreement; therefore, I must decline your request to remove the delinquencies from your credit report.    [redacted], I hope this letter clarifies any issue you felt remained unresolved.  Should you have any other questions, please feel free to call me at the number below as we consider this matter closed.   Sincerely,  Rhea B. Macy’s Executive Office ###-###-#### Extension [redacted]   cc:  [redacted], Revdex.com

[redacted]   [redacted]
 
 
October 12, 2015
 
 
[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 us by the RevDex.com.  As a representative of Macy’s
Executive Office, I was asked to review and respond to your concerns on behalf
of Department Stores National Bank.
 
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.
 
Applying
this billing policy to your Macy’s account, the $20.24 interest charge that
appeared on your June 26, 2015, billing statement included interest assessed
between the last bill date of May 26, 2015, and the date (June 26, 2015) that
your $994.54 payment posted to your Macy’s account.  When we did not receive any additional
payment toward the $20.24 balance, late fees and interest charges were
assessed.  The initial interest charge was
removed on September 23, 2015, which appeared on your September 2015 billing
statement (copy enclosed), along with the additional late fees and interest
charges totaling $77.48.
 
Although
these fees were properly charged, we cleared our internal records of any delinquency
associated with this issue since the delinquent balance was entirely fees and
interest charges. We requested that [redacted], [redacted] and [redacted] delete the
late payment history for the months of July and August 2015 from your credit
file.  Kindly allow at least seven (7) to
ten (10) days for the agencies to modify their records to reflect the
information contained in our request.
 
[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,
 
Tamalla D.
Macy's Executive Office
###-###-#### Extension [redacted]
 
Enclosure
 
CC: [redacted], Revdex.com

Dear [redacted], We are in receipt of Revdex.com Complaint ID [redacted].  We have spoken to [redacted] and have resolved all matters as expressed in the complaint.  Based on this, we consider the matter closed satisfactorily.  Sincerely,Julie R.Liaison, Omnichannel Executive...

Office | Macy's, Inc.9111 Duke Blvd. | Mason, OH 45040Office: ###-###-#### Fax: ###-###-####