Macy's

[redacted]   [redacted]
 November 21, 2016  [redacted] Re: Macy's Account Ending in [redacted]    Complaint ID [redacted] Dear [redacted]:   I am in receipt of your additional concerns 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. In prior correspondence dated October 13, 2016, and October 24, 2016, I provided an account summary for your above-referenced account, and I addressed the paperless billing option, which was chosen for your account.  We do not send both paper statements and electronic statements.  Your billing statements serve as a reminder that a payment is due and of any past due amounts.   Our records show that on February 14, 2016, you requested your contact telephone number be changed from your home number to a mobile number.  At that time you declined to give your consent for us to contact you on the cell number, as a result, we did not attempt to call you by telephone.  On July 7, 2016, notification was sent to you (copy enclosed) requesting that you contact ###-###-#### to discuss the account.  Your account has been assigned to [redacted] for the outstanding balance of $614.76  Please contact [redacted] at ###-###-#### to establish payment arrangements.   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,   [redacted] M.Macy's Executive Office###-###-#### Extension [redacted] Enclosurecc: [redacted]    The Revdex.com        [redacted]

March 14, 2018  [redacted]Marketplace Resource ConsultantCincinnati Revdex.com   Re: Revdex.com complaint ID:[redacted] Dear [redacted]:  On behalf of Macy's Executive Office I do apologize that this refund was not issued...

for macys.com order [redacted] for one item at $64.64. This is a one time courtesy credit to the Macy's account ending in [redacted] and not according to policy. Please let me know if there is any further question about Macy's policy. Macy's does consider this matter resolved. Sincerely,   Marjorie B.Macy's Executive Office###-###-#### Extension [redacted] cc: [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. 
Regards,
[redacted]

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.  I would like to thank the Revdex.com for its involement in getting this matter resolved.  I would also like to thank Regina M. at Macy'sfor following up with the onlinecompany to straighten this out.  My account balance is now properly at $0.00.
Regards,
[redacted]

May 16, 2016[redacted]Re:  Revdex.com Complaint [redacted]        Macy’s account ending in [redacted]Dear [redacted]:  I am in receipt of your complaint forwarded to Macy’s Executive Office by...

the Revdex.com.  As a representative of this office, I was asked to review and respond to your concerns on behalf of Department Stores National Bank.  I apologize for any frustration this matter may have caused you.Upon review of your account, the payment made by phone of $54.07 on January 17, 2016, was returned as “unable to locate” (meaning we probably had an invalid checking account number) on January 21, 2016.  On February 28, 2016, we received another payment from you by phone of $57.00, and removed the $27.00 late fee and $2.00 interest charge.  This resulted in a credit balance of $2.05 on your account, which was mailed to you on May 6, 2016.  Furthermore, we have cleared our internal records of any delinquency associated with this issue and requested that [redacted], and [redacted] delete the delinquency from February 2016.  Please allow the agencies thirty (30) days to make the necessary corrections to their files.  Until then, this letter will serve as confirmation of this request. [redacted], thank you for bringing this matter to our attention and giving me the opportunity to respond.  If I may be of additional assistance, please do not hesitate to contact me.   Sincerely,Regina M.Macy's Executive Office###-###-#### Extension [redacted]cc:  [redacted], Revdex.com

January 31, 2017     [redacted]   Re:  Revdex.com Complaint ID #[redacted]        Macy’s store account ending in [redacted] (closed)   Dear [redacted]:   I am in receipt of the...

complaint you filed with the Revdex.com, which was forwarded to Macy’s Executive Office.  As a representative in this office, I was asked to review and respond to your concerns on behalf of Department Stores National Bank.    With respect to your claim of non-receipt of billing statements, our records confirm all electronic billing notifications were sent to the registered email address of [redacted].  As you were previously informed, we confirmed that the e-mail billing alerts were successfully delivered to the email address you provided.  According to the terms of the Department Stores National Bank Credit Card Agreement, you agree to notify us promptly in writing if you move, which also includes updating your email address when it changes.  Until we receive written notice of your new address, we will continue to send statements and other notices to the mailing or email address in our records.    Further research confirms that the Collections Department made attempts to contact you regarding your past due account with calls beginning on October 11, 2016.  Specifically, our notes show that you received a call on December 12 2016, and during that call you made a payment to your account.  I understand that you are attempting to improve your credit history, however; it is not the Bank's policy to remove any delinquency from a credit report, unless it occurred as a result of a bank error.  As a credit provider, we have an obligation to accurately report activity, whether favorable or unfavorable, to the credit reporting agencies.  Since the information we are reporting is accurate, we are unable to remove the delinquency from your credit report as you requested.  However, on December 19, 2016, we instructed the credit reporting agencies to update their records and report your account as "customer disputes reporting".  Your account was closed on December 20, 2016, and has a zero ($0.00) balance.   [redacted], it appears we fell short of our goal to provide you with excellent customer service.  Thank you for bringing this matter to our attention and please accept my personal apology for any inconvenience or frustration this matter may have caused you. As customer service is crucial to the continued success of our business, it is always a concern when a customer is not satisfied with the level of service we provided.  Please contact me at the number below if you need assistance on a different matter.   Sincerely,       Monique M. Macy’s Executive Office ###-###-#### Extension [redacted]   cc: [redacted], Revdex.com

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

November 28, 2016     [redacted]   Re: Revdex.com Complaint ID #[redacted]        Macy’s store account ending in [redacted]   Dear [redacted]:   I am in receipt of your complaint filed...

with the Revdex.com, which was forwarded to Macy’s Executive Office.  As a liaison 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 this matter may have caused you.   Our records indicate that you called into our Consumer Protection Department on August 19, 2016, to check the status of a claim.  The representative assisting you explained the process of reporting charges as well as the process to requesting a new card.  On October 19, 2016, you called into our Customer Service Department to request billing statements from August 2015, to December 2015.  The Customer Service representative who assisted you that day provided the telephone number to our Consumer Protection Department and requested a copy of these statements me mailed to you at the address on your account.   I understand you would like to report unauthorized charges made on your account and would like a new card sent to you.  However, I have been unsuccessful in reaching you.  On November 22, 2016, I called out twice to the telephone numbers you provided on your Revdex.com Complaint and left a message.  I also sent emails to the email address provided on your complaint on November 22, 2016, and November 23, 2016.   As of the date of this letter, I have not received any correspondence from you.    In order to move forward with your request, I will need verbal consent to report the account properly.  You can also reach out to our Consumer Protection Department to report these charges at ###-###-####.    At this time I would like to thank you for bringing this matter to our attention and allowing me the opportunity to respond.  If I may be of further assistance, please feel free to contact me at the telephone number listed below.   Sincerely,     Tyeisha B. Macy's Executive Office ###-###-#### Extension [redacted]   cc: [redacted], Revdex.com

Revdex.com:This is a new account we just open in November.  They are confusing Revdex.com with the old account we closed last year.  We were never late.  No credits have been given to us.  Macy's is lying.  Macy' It's about time you go bankrupt.  You e. Crook.  They trick peope with 25% *ere and there if you open up and account.  Don' get tricked.  Macy is dying.  It' scamming people with their late fees.we never received a bill.  Also the Indian guy never set up our auto pay.  Same thing happened last time that' why we closed their account.  GO to [redacted] Macy's.  They'e so desperate they'e been catering to Somalians and Africans.  They'e Somalians and African workers everywhere possibly even illegal ones too. You know when a business starts catering to minorities you know it' dying. THe stores are old and getting empty like [redacted].  Macy's you're so 80s.  Bye bye bye CrookGO shop at [redacted]    
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. 
Regards,
[redacted]

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

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

[redacted]   [redacted]
October 30, 2015
[redacted]
[redacted]
[redacted]
Re:  Revdex.com ID [redacted]
        Macy's
account...

ending in [redacted]
Dear
[redacted]: 
I am
in receipt of your complaint forwarded to Macy's Executive Office by the RevDex.com.  As a representative of
this office, I was asked to review and respond to your concerns on behalf of
Department Stores National Bank.
Thank
you for the courtesy you extended to me during our telephone conversations on
October 21st and 22nd, 2015.  We recently underwent a scheduled credit
system update for the Macy's credit card accounts and redesigned our macys.com
website.  We apologize for any frustration
this may have caused you when you were unable to review your account and
process your payment during that time, and for the problems you encountered
while attempting to access your account on-line. 
I
was pleased to know you were able to access your account using the Microsoft
Edge browser.  Be assured we are working
diligently to resolve the issues with [redacted] and [redacted], as we know many of
our customers use [redacted] products. 
Respectfully, I must decline your request to waive any future minimum
payments to your account as it is not Macy’s policy to compensate for matters
such as this.  
[redacted]
[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 call me at the telephone number listed below.
Sincerely,
Janice D.
Macy's Executive Office
###-###-#### Extension
[redacted]
cc:  [redacted],
Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  
Regards,
[redacted]
To Whom It May Concern:When I was called Macy's customer service, I was told that my account was closed because I don't use it enough and that Macy's is closing accounts that aren't used on a regular basis.  I never heard a word about my bankruptcy until Macy's original Revdex.com response.  Macy's received a letter saying my Chapter 13 BK had been DISCHARGED, not recently filed.  It took me 4 years to pay back the creditors in the BK.  It doesn't make any sense that they would close my account once it had been discharged.As far as the Plenty points are concerned, if my account was closed, and I logged in through my credit card account, (where I always made my payment) it doesn't seem right that they offered merchandise using those points?I want my Plenty points back.  Plain and simple.  I won't be shopping at Macy's anymore, so I don't want a Macy's gift card.Sincerely,[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.  Ms G. is correct I do have a choice where I shop and I will no longer shop with this company.
Regards,
[redacted]

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

of your complaint filed with the Revdex.com.  As a representative in this office, I was asked to review and respond to your concerns on behalf of Department Stores National Bank (DSNB).  Please accept my sincere apology for any frustration that you may have experienced regarding this issue.    My review of your account found that you made a purchase online on December 20, 2016, in the amount of $69.11.  You contacted us on March 16, 2017, to report you had never received the order.  A dispute case was opened at that time.  After an investigation, we determined the package had been received, and the dispute was denied.  A letter explaining our decision was mailed to you along with the proof of delivery (copies enclosed) on April 11, 2017.    On July 21, 2017, you contacted us online to request a late fee removal and again you disputed the charge and the receipt of the merchandise.  The associate requested a credit for the merchandise.  That request was declined due to the proof of delivery.    Our records show that the last purchase was on December 20, 2016, and the last payment date was on July 28, 2017.  Due to missed payments and serious delinquency, your account charged off on December 31, 2017, with a balance of $406.37, and the delinquencies were reported to the credit reporting agencies in accordance with the DSNB Credit Card Agreement.    In addition, I confirmed that the e-mail billing alerts were successfully delivered to your email address of [email protected].  Enclosed are copies of your monthly billing statements for the period ending December 29, 2016, through December 29, 2017, for your review.    By using this account, you consented to the terms of the DSNB Credit Card Agreement, which governs the use and reporting of this credit account, and includes your promise to pay for all purchases as well as other charges mentioned in the Agreement including interest charges and late fees.  For this reason, we are unable to remove the account from your credit report.  However, on March 31, 2017, we sent a request to the credit reporting agencies to report your account as “customer disputes reporting”.          Your account is currently being handled by Capital Management.  Should you have additional questions, you may call them directly at ###-###-####.  Thank you for bringing this matter to our attention and giving me the opportunity to respond.  Please do not hesitate to call me at the telephone number listed below if I may be of further assistance.   Sincerely, Rhea B. Macy’s Executive Office ###-###-#### Extension [redacted]   Enclosures / mailed January 10, 2018  cc:  [redacted], Revdex.com

September 20, 2016   [redacted]   Re:  Revdex.com Complaint ID #[redacted]         Macy’s [redacted] 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 terms of the Department Stores National Bank Credit Card Agreement, if the minimum amount due is not received by the payment due date as shown on your monthly statement, a late fee and interest charge are applied to your account.  The due date on this account was the 26th of each month.   Applying this billing policy to your account, for statement period ending May 30, 2016, the amount of $157.82 was due on June 26, 2016.  When no payment was received, a late fee in the amount of $37.00 and interest charge for $2.97 were assessed to your account, bringing the unpaid balance to $197.79.  We received a payment on June 27, 2016, in the amount of $182.61, leaving a balance of $15.18 due by July 26, 2016.  When no payment was received July, 26, 2016, and August 26, 2016, additional late fees and interest charges continued to accrue on the account.  I have removed all fees and interest for a total credit of $66.72, bringing your account to a zero ($0.00) balance.    Additionally, as the remaining balance consisted of fees only, we cleared our internal records of any delinquency associated with this issue, and requested that [redacted], [redacted] and [redacted] update their records and delete any history of delinquency for the time period of July 2016 through September 2016 on your Macy’s [redacted] account from your credit report.  Please allow the agencies thirty (30) days to update their records.  Until then, this letter will serve as confirmation of this request.   Sincerely,     Monique M. Macy’s Executive Office ###-###-#### Extension [redacted]   cc: [redacted], Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  
Thank you for your response. I do disagree and do not expect in any other messages from you or Macys. I did want to go on record and express my displeasure with Macy's service and policies and I have done that. 
Regards,
[redacted]

[redacted]   [redacted]
 
July
7, 2015
 
[redacted]
[redacted]
[redacted]
 
Re:  Revdex.com ID [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. 
 
I understand you are requesting
that we modify the payment history associated with the above-referenced Macy’s
account.  In researching this matter, I
found that the billing statement for the period ending April 13, 2015, had a $638.92
balance, with a $25.00 minimum payment due by May 13, 2015.  When no payment was received by this date,
your account was charged a $25.00 late fee and $12.99 interest charge in
accordance with the terms of the enclosed Department Stores National Bank
Credit Card Agreement.  The billing
statement for the period ending May 13, 2015, had a $676.91 balance with a
$75.00 minimum payment (including a $25.00 past due amount) due by June 13,
2015.  When no payments were received,
your account continued to be charged late fees and interest, and was reported
as thirty (30) days past due to the credit reporting agencies.  We received your payment of $250.00 on June 18,
2015, which brought your account to a current status.  On that same date, a credit for a partial
late fee of $13.00 posted to your account as a courtesy to you during your
telephone conversation with a representative. 
As a further gesture of our goodwill, on June 30, 2015, I removed the
remaining $12.00 late fee from your account. 
As of the date of this letter, your account balance is $451.14.  Enclosed are copies of your billing
statements for the periods ending April 13, 2015, through June 13, 2015, as
reference. 
 
It is our policy
not to remove any delinquency from your credit file, unless it occurred as a
result of a bank or billing error.  My research confirmed that a
billing error did not occur on your account and the information we reported is
accurate.  Our records confirm that the
electronic billing statements were sent to [redacted][email protected] and were successfully
delivered and opened. 
 
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.  Therefore, we are unable to accommodate your
request to remove the delinquency from your credit report.  On June 22, 2015, we requested that the
credit reporting agencies update their records and report your account as
“customer disputes reporting”. 
[redacted], while this may
not be the resolution you are seeking, I hope you can understand that in order
for all of our customers to receive fair and consistent treatment, it is
necessary to maintain and adhere to specific policies and procedures.  Should you have any further questions, please
contact me at the number below.
 
Sincerely,
 
 
 
Janice
D.
Macy's
Executive Office
###-###-####
Extension [redacted]
 
Enclosures / mailed July 7, 2015
 
cc:  [redacted], Revdex.com  
The Macy's card is issued by Department Stores
National Bank.

August 31, 2016[redacted]Bakersfield, CA  93305 Re:  Revdex.com Complaint ID [redacted] Dear [redacted]: I am in receipt of your complaint forwarded to us by the Revdex.com.  As a representative of Bloomingdale's...

Executive Office, I was asked to review and respond to your concerns.  Please accept my sincerest apologies for any confusion this matter may have caused.  I was truly upset to learn of your daughter’s injury and hope she is well. Kindly know that we work very closely with our vendors to make sure that all of our merchandise meets our expectations as well as the expectations of our customers.  Upon researching your inquiry and investigating your online order, we are unable to credit or reship any merchandise to you due to the amount of excessive claims of non-receipt, missing merchandise, damaged/defective and wrong merchandise received.  Also, going forward, we will no longer be able to provide any store accommodations.  Additionally, I must also decline your request to reissue your gift card in the amount of $323.94. While we constantly strive to meet your expectations, our concern is that we have failed to satisfy you as evidenced by the issues outlined above.  The excessive rates of your claims make it difficult for us to maintain a mutually satisfactory business relationship.  It has become apparent that we are unable to properly fulfill your needs.  As such, recommend you patronize other retailers. [redacted], while this may not be the resolution you are seeking, I hope you can understand our position on this matter as this decision is in our mutual interest.  While we find this action to be unfortunate, we believe it necessary given the circumstances.Sincerely,Ebony M.Bloomingdale's Executive Office###-###-#### Extension [redacted] cc:  [redacted], Revdex.com

[redacted]   [redacted]
April 18, 2016
[redacted]
[redacted]
[redacted]
Re:  Revdex.com complaint [redacted]
        Macy’s [redacted] account ending
in [redacted]
Dear [redacted]: 
I am in receipt of your complaint forwarded to Macy’s
Executive Office by the Revdex.com. 
As a representative of this office, I was asked to review and respond to
your concerns on behalf of Department Stores National Bank.
In researching your complaint, I found that on
December 21, 2015 we received notice of the $150.00 in disputed charges on your
Macy's [redacted] account.  We
opened a fraud claims case and our Fraud Department was able to verify the
fraudulent purchases and cleared your account of the charges and removed the
associated late fees and interest charges. 
As of the date of this letter, your account is closed with a zero
($0.00) balance.  In addition, we cleared
our internal records of any delinquency associated with this issue and
requested that [redacted], [redacted], and [redacted] delete the delinquency for
January 2016 through March 2016.  Please
allow the agencies approximately seven (7) to ten (10) business days to make
the necessary corrections to their files. 
Until then, this letter will also serve as confirmation.
Please be assured that the service you received is not
typical of the level of quality customer service that we strive to provide. Therefore, I would like to thank you for the
time you took to share your feedback, as it directs our attention to areas in
which we can improve our service quality. 
[redacted], please accept my personal apology for
the problems you have encountered trying to resolve this issue.  Should you wish to reconsider the use of your
Macy's account in the future, please do not hesitate to call 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.  
Regards,
[redacted]  Customer called stating she has returned both boxes but has only received credit for one.