Macy's

The bed was delivered on saturday 2-6-16

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.   They also have the information wrong, I've never said anything about an "ex-wife" using my account. They are try to charge me nearly $1,500 for something I've never used. 
Regards,
[redacted]

March 03, 2016
[redacted]Cincinnati Revdex.com
1 E Fourth St.Suite 600
Cincinnti, OH 45202
Revdex.com Case #[redacted]
Dear
[redacted]: 
We
are in receipt of Revdex.com Complaint #[redacted]. We have spoken to the referenced
customer and have reviewed all matters as...

expressed in the complaint. At this
point we have provided all information available at this time. The customer may
wish to examine her credit statement after receipt to determine if all
outstanding credits have been applied. We remain available to her should any
other issues arise. Thank you.
Sincerely,
Melissa U.
Macy's Executive Office
###-###-#### Extension
[redacted]
cc: [redacted]

[redacted]   [redacted]
January 25, 2016
[redacted]
Re: Revdex.com ID
#[redacted]
       Receipt of Macy's Money
Dear
[redacted]: 
I am
in receipt of your rebuttal forwarded to us by the Revdex.com.  As a representative of the Macy's Executive
Office, I was asked to review and respond to your concerns regarding the receipt
of Macy’s Money from the previous complaint. 
I tried to discuss the matter with you personally on January 21, 2016,
but the telephone line kept dropping the call. 
I left a voicemail with the information provided in this letter. 
I
understand your concern regarding the receipt of the $25.00 Macy’s Money
referred to in my letter dated January 20, 2016.  We are unable to send Macy’s Money through
the Revdex.com portal. The
Macy’s Money was sent to the address listed on the original complaint (and the
same as the one above) under separate cover. 
I regret any confusion I may have caused.
[redacted], if I can be of further assistance, please do not hesitate to contact me at
the telephone number listed below.
Sincerely,
Cathy D.
Macy's Executive Office
###-###-#### Extension
[redacted]
cc: [redacted], Revdex.com

[redacted]   [redacted]   July 13, 2016     [redacted]   Re: Macy's 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.   Please accept my personal apology for any additional inconvenience you may have experienced with the above referenced account.  In my correspondence dated June 11, 2016, I explained that you could mail a payment to my attention at the address provided and that I would ensure your payment would be applied directly to the account.  Your payment for $25.55 was received in this office on June 22, 2016, and was forwarded to our payment processing center.  Your billing cycle closed on June 18, 2016, after your payment was mailed, therefore, a $15.00 late fee and a $1.00 interest charge was applied to the account.  Please be advised these fees have been removed and your account balance is now zero ($0.00).  I apologize for any inconvenience this may have caused.   [redacted], thank you for bringing this matter to our attention and giving me the opportunity to respond.  If I can be of further assistance, please do not hesitate to contact me at the telephone number listed below.   Sincerely,       Nancy M. Macy's Executive Office ###-###-#### Extension [redacted]   cc: [redacted]     The Revdex.com The Macy's card is issued by Department Stores National Bank.

Revdex.com:
I have reviewed the response from Macy's and appreciate their acknowledgement of errors. I noticed that they did not express that they have fixed their internal communication so this wouldn't happen to anyone else. Sad that they do not care about their customers more. This is the feeling that I got on every part of this experience. 
Regards,
[redacted]

Dear [redacted], We are in receipt of Revdex.com complaint #[redacted].  We have spoken with [redacted] and we were able to resolve all matters expressed in her complaint.  Based on this, we consider this matter closed satisfactorily.  Thank you. Sincerely, Yvonne F. |...

Omnichannel Presidential ExecutiveOmnichannel Selling and Service Escalation Team | MCCS Executive OfficePhone: ###-###-#### Ext [redacted] |  Fax: ###-###-#### | Email: [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]

January 2, 2017   [redacted]   Re:  Revdex.com Complaint ID #[redacted]        Macy’s [redacted] account ending in [redacted]   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 you may have experienced.   Per the Department Stores National Bank Credit Card Agreement, 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. This may result in a statement containing only an interest charge.  My review of this matter found that all interest was correctly charged in accordance with the Credit Card Agreement.    Applying this billing policy to your account, the $3.67 interest charge was for interest charged on your account balance between the last bill date of November 9, 2016, and the date (December 4, 2016) that your $223.50 payment was applied to your account referenced above.  You can avoid being charged interest by paying your account balance in full every month by your payment due date.  As a courtesy, I have removed the $3.67 interest charge, bringing your account to a zero ($0.00) balance.    In the future, please feel free to call our Credit Customer Service Department to answer any billing questions or concerns you may have regarding your account.  We have a well trained staff that is available and happy to assist you with these types of matters.  You may call the number on the back of your card to reach this department at ###-###-#### and the hours of operation are Monday through Saturday, 8:30am to 9:00pm, and Sunday 11:00am to 8:00pm, EST.   [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]
  cc: [redacted], Revdex.com

[redacted]   [redacted]
November 18, 2015
[redacted]
Re:    Revdex.com ID #[redacted]
         Macy’s [redacted] ending in [redacted]
         Macy’s account ending in [redacted]
Dear [redacted]: 
I am in receipt of your
complaint filed with the Revdex.com.  As a liaison in Macy’s Executive Office, I
was asked to review and respond to your concerns on behalf of Department Stores
National Bank.  I intended to discuss
this matter with you personally; however, my attempts to reach you were
unsuccessful.  My telephone contact
information is listed below if you would like to speak with me.
My review of your account
shows the $226.92 payment correction on May 27, 2015, was due to a payment on March
30, 2015.  During our standard audit we
discovered we were unable to verify the funds were received from your bank and
the amount was put back on your account. 
The fax we received showed payment information for a phone payment of
$623.62 and $274.62 for the Macy’s [redacted] and Macy’s account noted
above, made on May 29, 2015, therefore we were not able to verify the March 30,
2015, payment.  I apologize for the
confusion; however, I was happy to see that as a courtesy we have credited your
account of all fees and adjusted the $226.92 back to your Macy’s American
Express account as promised by Ms. P.. 
In addition, my records show Ms. D. spoke to you on October 17,
2015, to advise you of all the credits and that your Macy’s [redacted]
account had a zero ($0.00) balance. 
[redacted], thank you for
bringing this matter to our attention and giving me the opportunity to
respond.  Your business is important to
us, as well as appreciated. 
Sincerely,
Rhea B.Macy's Executive Office
###-###-#### Extension [redacted]
cc:     Tina
Geers, Revdex.com

November 30, 2015[redacted] [redacted]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. I am so sorry for any inconvenience experienced after refusing the delivery of the sofas purchased on sales check [redacted]  In reviewing the order, I was able to verify the order was canceled and a credit was issued to the Macy's account used at the time of purchase. When this occurs, it is necessary to contact our credit department to request a refund check if you do not wish to maintain a credit balance. I have been advised by our credit department that a refund check has been issued in the amount of $1321.56.  Your check should be delivered to your home by Monday, November 30, 2015.  If you do not receive your check by the specified date, please contact our Credit Executive Office. Thank you for allowing us the opportunity to respond to your concerns.  Your continued loyalty is important to us, as well as appreciated.  If you have any questions regarding this matter, please call our Credit Executive Office at ###-###-####.  Sincerely,Angela L.Macy's Executive Office###-###-#### Extension [redacted]cc: Revdex.com

February 3, 2017     [redacted]   Re:  Revdex.com Complaint ID #[redacted]         Macy’s store account ending in [redacted]   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 (DSNB).  Please accept my sincere apology for any inconvenience or frustration this matter may have caused you and for any extended hold times you experienced.   According to the DSNB 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 first fee will be $27.00. For any additional past due payment during the next six billing cycles after the first past due payment occurred, the fee will be $37.00.  Interest is charged each month the account carries a balance.  The minimum interest charge is $2.00.   In researching your account, our records confirm that the minimum payment due on the billing statement with closing date of July 8, 2016, was $33.06, due by August 4, 2016.  When no payment was received by August 4, 2016, a $27.00 late fee was added to your account, resulting in a minimum payment due of $57.00. Our records further confirm that you called our Customer Service Department on August 8, 2016, to request a due date change from the 3rd of the month to the 11th of the month, and to make a payment on your account.    We received a $35.00 payment on August 8, 2016, but this payment did not satisfy the minimum amount due of $57.00.  Additionally,  our policy for due date changes requires that an account is not in a delinquent status. Because your account was delinquent at the time of your request, the requested due date change could not be performed.    Your payments were consistently late after your initial request and, as a result, incurred additional late fees, which prohibited us from accommodating your request for a due date change at any time after your initial request.   As a courtesy, I have removed one late fee in the amount of $37.00 and interest charges in the amount of $6.93, bringing your account to a zero ($0.00) balance.  Respectfully, I must decline your request to refund you any previous late fees that you paid as they were charged in accordance with the DSNB Credit Card Agreement. Now that your account is now current, I have also processed a due date change on your account to the 12th of the month going forward.  Unfortunately, the 11th of the month was not available for your account.   Please note going forward, no additional courtesy late fees or interest will be removed.   If you find that you do not have enough time to mail your payment, we offer several payment options.  Our Online Bill Pay service on macys.com is free of charge and payments post to your account with the date you make them online.  We also have electronic billing services made through your bank's website that take three (3) to five (5) days to process.  Of course, you may pay at any register in our stores, and those payments post immediately to your account.  Finally, you may make a payment over the phone by calling the number on the back of your card or on your billing statement.  These payments are applied to your account the same day and are free of charge. When your account is current, you can also make a payment through the automated phone system.    [redacted], Macy's does not participate in unethical or illegal business practices of any kind, and I am sorry if you feel otherwise.  Thank you for bringing this matter to our attention and giving me the opportunity to respond.  Your business is important to us, as well as appreciated.  Please do not hesitate to call me at the telephone number listed below if I may be of further assistance.   Sincerely,       Monique M. Macy’s Executive Office ###-###-#### Extension [redacted]   cc: [redacted], Revdex.com

[redacted]Revdex.com1 East Fourth Street Suite 600Cincinnati, OH 45202Re: Complaint ID [redacted]Dear [redacted],We are in receipt of your recent inquiry with regard to the complaint ID referenced above.  Please be advised, as we have conducted a thorough review of her complaint and our files, and because no new information has been provided, our position regarding this matter remains unchanged.  As explained in our response dated May 18, 2016, if she believes the charge to be fraudulent, we will need her completed statement of fraud which was enclosed with my letter.Sincerely,Nancy M.Macy’s Executive Office ###-###-####

July 6, 2017   [redacted]   Re:  Revdex.com Complaint ID #[redacted]         Macy’s account ending in [redacted] (open)        ...

Macy's [redacted] account ending in [redacted] (closed)         Macy's [redacted] account ending in [redacted] (closed)   Dear [redacted]:   It was a pleasure to speak with you on June 19, 2017, and thank you for accepting my apology regarding your complaint 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.   I am again sorry for any frustration regarding the Macy’s [redacted] applications made on May 29, 2017, at the Macy’s [redacted] store.  Please be assured that the service you described receiving by the sales associate is not indicative of the quality service we strive to provide.  After reading your inquiry, we forwarded a copy of your complaint and my response to our store executives for appropriate action.  While we do not like to hear we disappointed you, your feedback is critical as it assists us in understanding our customer’s experiences and directs our attention to areas in which we can improve our service quality.   After our discussion and with your permission, we closed both Macy’s [redacted] accounts referenced above and transferred the $42.27 balance from the Macy [redacted] ending in [redacted] to the Macy’s account ending in [redacted].  In addition, we requested that [redacted], and [redacted] remove the application inquiries and purge both accounts from your credit reports.  Please allow the credit reporting agencies approximately thirty (30) days to make the necessary corrections to update their files.  Until then, this letter will serve as confirmation of our request.   Thank you for bringing this matter to our attention and giving me the opportunity to respond.  I understand you are requesting some type of compensation; however, Macy's does not provide compensation due to a situation such as this. As a gesture of my goodwill, I am sending under separate cover, a $50.00 Macy’s gift card to use the next time you shop at any of our Macy’s store locations or online at macys.com. Kindly allow 7-10 business days to receive the gift card.  If I may be of additional assistance, please call me at the telephone number listed below.   Sincerely,     Regina M. Macy's Executive Office ###-###-#### Extension [redacted]   cc:  [redacted], Revdex.com        [redacted], Store Manager

P[redacted]   [redacted]   June 16, 2017     [redacted]   Re:  Revdex.com Complaint ID #[redacted]         Macy’s credit card application...

        Macy’s account ending in [redacted] (closed)   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 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 regarding the Macy’s application made on May 12, 2017, at the [redacted] Macy’s store in [redacted], [redacted].  You indicated that the sales associate did not let you know that she was processing an application until you were asked to sign the key pad at the register.  Please be assured that the service you described receiving by the associate is not indicative of the quality service we strive to provide.  After reading your inquiry, we forwarded a copy of your complaint and my response to our store executives for appropriate action.  In addition, we have requested that [redacted], [redacted], and [redacted] remove the application inquiry from your credit report.  Please allow the credit reporting agencies approximately (30) days to make the necessary corrections to update their files.  Until then, this letter will serve as confirmation of our request.   With respect to your Macy’s account referenced above, it was closed due to inactivity on September 29, 2016.  The last purchase was made on February 26, 2014, and the last payment was received on March 20, 2014.   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 at the number listed below.   Sincerely,     Regina M. Macy's Executive Office ###-###-#### Extension [redacted]   cc:  [redacted], Revdex.com        [redacted], Store Manager

[redacted]   [redacted]
December 10, 2015
[redacted]
[redacted]
[redacted]
Re:  RevDex.com ID [redacted]
      Macy's [redacted]...

ending in [redacted]
Dear [redacted]: 
I am in receipt of your complaint forwarded to Macy's Executive Office
by the Revdex.com.  As a
representative of this office, I was asked to review and respond to your
concerns on behalf of Department Stores National Bank (DSNB).  I apologize for any inconvenience you may
have experienced.
I was disappointed to learn of the problems you encountered while
shopping at Macy's [redacted] Store.  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. 
I have forwarded a copy of your letter, as well as my response, to the
Store Manager to address your concerns further. 
For clarification, you may shop in store or online after opening your
new Macy's [redacted] account.  The
shopping pass you were given does not contain your new account number for your
protection.  However, any of our
macys.com Associates would be able to assist you in placing an online order by
looking up your account information and placing the order for you. 
In regards to the watch warranty, the warranty price is based on the
sale price of the watch without tax.  In
reviewing your account, the watch that you purchased as a pre-sale item on
November 15, 2015, had a sale price of $168.75 which would mean the Worry No
More program would be $29.99.  I
apologize that the Sales Associate gave you the wrong information and charged
you incorrectly for this pre-sale item. 
Our records indicate that when you picked up the watch, we refunded the
original Worry No More charge or $39.99 to your account and completed a new
transaction for the proper amount of $29.99.  
[redacted], thank you again for bringing this matter to our attention
and giving me the opportunity to respond. 
Your business is important to us, as well as appreciated.  Please call me at the telephone number listed
below if I may be of further assistance.
Sincerely,
Janice D.
Macy's Executive Office
###-###-#### Extension [redacted]
cc:  [redacted], Revdex.com
      Manager, [redacted] Mall

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  
[I dont agree with Macy's Response. I require that Macys provide with the original contract with my signed signature. I requesting this proof according to the FCRA reporting act section 609.]
Regards,
[redacted]

[redacted]   [redacted] November 25, 2016[redacted]Morrisville, NC  27560 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 representative of this office, I was asked to review and respond to your most recent concerns on behalf of Department Stores National Bank (DSNB).  It is regrettable to learn that you feel our previous response did not adequately answer your questions and that some misunderstanding remains. As previously stated, we confirmed you were receiving e-mail alerts at the e-mail address of [redacted], since you enrolled on January 17, 2015.  Our records indicate we sent you e-mail alerts on July 16, 2016, August 16, 2016, and September 15, 2016, and you opened your e-billing statement on July 16, 2016, and on September 15, 2016.  We show no e-mails being returned as undeliverable, and no evidence of system issues that would have prevented the delivery, which suggests that you received the e-mail alerts.   On August 13, 2016, a customer service representative removed $11.00 of the $21.34 late fee, and a $2.00 interest charge.  We advised you to allow one (1) to two (2) billing cycles for this credit to reflect on your account balance.  There is no record that we promised to remove the complete late fee at that time.  On September 9, 2016, when no payment was made, you received a $27.00 late fee.   On September 14, 2016, you contacted us via chat, and requested that the representative close your account because you were dissatisfied with only a partial late fee removal of $11.00 for the billing period ending August 12, 2016.  Although you state you felt the account was closed immediately without giving enough time, our records show that you agreed to the disclosure in writing to close your account.  This disclosure is a legally binding statement which reads, “If you choose to close your account today, it cannot be reopened, and you will need to reapply for any future credit needs.”  Unfortunately, your request to close the account happened before you requested to speak with a supervisor, and a supervisor does not have the authority to override the legal disclosure that was given to you upon requesting to close your account.  The supervisor reversed two $27.00 late fees as a courtesy to you, resulting in a credit balance of $18.66.  On September 19, 2016, a credit balance refund check was mailed to you, resulting in a zero ($0.00) balance.     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.  Research confirmed that billing alerts were received by you via email.  It is not the Bank’s policy to remove any delinquency unless it occurred as a result of our billing error.  Therefore, our position has not changed, and I am unable to clear the derogatory information from your credit report.  However, as we previously advised, on September 20, 2016, we instructed the credit bureaus to code your account as “customer disputes reporting.”[redacted], I trust that this letter will clarify any issue you felt remained unresolved, and at the same time I understand that you may be disappointed by our policy.  We apply our credit policies uniformly to all of our customers and cannot make an exception in this matter.  Please contact me at the number below if you need assistance on another topic.   Sincerely,Alison G.Macy's Executive Office###-###-#### Extension [redacted]cc:  [redacted], Revdex.com

P.O. Box 52184   Phoenix, AZ 85072-2184
 
 
July
29, 2015
 
 [redacted]
 
Re:  Revdex.com ID #[redacted]
       Macy's
account...

ending in [redacted]
 
Dear [redacted]: 
 
I am in receipt of your
complaint filed with the Revdex.com that 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.  While I
would have preferred to discuss this matter with you personally, my attempts to
reach you were unsuccessful.  However, I
was able to leave you a voice mail message on July 22, 2015.  Please accept my apology for any frustration
this may have caused you and the problems you may have encountered in trying to
resolve this issue. 
 
Per the enclosed 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 on the
account.  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.  When you
have a zero balance on your account and you make a new purchase to that
account, if you pay the balance in full on your first statement by the payment
due date, you will not be charged interest for that purchase.  If you return an item that you purchased on
your account, the amount of that return is not applied towards your minimum
payment due.  If you do not pay your New
Balance in full, then interest will be charged on any new purchase from the
date it is applied to the account until the day the balance is paid in full.  The minimum interest charge is $2.00.
 
Applying this billing policy
to your Macy’s account, a $2.00 interest charge and a $25.00 late fee was charged
to your account balance on July 7, 2015, because no payment was received by the
July 7, 2015, due date.  We received your
payment of $35.13 on July 21, 2015, leaving a balance of $27.00 in late fee and
interest.  While the late fee and
interest charge on your account is correct, as a courtesy to you, I removed the
$25.00 late fee and $2.00 interest charge. 
As of the date of this letter, your Macy’s account has a zero balance
and is closed per your request on July 21, 2015. 
 
In regards to the $2.00 interest charge from your
billing statement for the period ending January 7, 2015, our records show that
this was credited for you as a one-time courtesy on May 10, 2015, the same date
that you made your new purchase of $35.13. 
Copies of your billing statements from January 7, 2015, through July 7,
2015, are enclosed for your reference.  Also,
I have cleared our internal records of any delinquency associated with this
issue, and requested
that [redacted] delete the delinquencies for April and May,
2015.  Please allow the agencies
approximately seven (7) to ten (10) days to make the necessary corrections to
their files.  Until then, this letter
will serve as confirmation of this request. 
 
[redacted], the service you describe in your
attempts to understand this interest charge is not indicative of the quality
customer service we strive to provide.  Macy’s
expects each facet of its operations to meet exceedingly high levels of
service.  Your feedback is critical as it
assists us in truly understanding our customer’s experiences and directs our
attention to areas in which we can improve our service quality.  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 at the telephone number listed below.
 
Sincerely,
 
 
Janice
D.
Macy's
Executive Office
###-###-####
Extension [redacted]
 
Enclosures / mailed July 29, 2015
 
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]