Macy's

[redacted]   [redacted]       May 27, 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.   Upon review of your account, I found that you purchased a [redacted]l coat on January 14, 2016, for the amount of $124.01.  The coat was returned on January 29, 2016, and a gift card was issued; however, it was then credited to your account on February 15, 2016, and twice on February 28, 2016.  Therefore, we debited your account twice for this amount, for a total of $248.02, leaving the original credit that was applied on February 15, 2016.    However, on March 10, 2016, you requested a credit balance refund check for the amount of $248.02 which was sent on the same day.  You had spoken to Michael in our Executive Office on April 12, 2016, who advised we were unable to dispute the amount since the check that was sent to you was cashed, and closed your account per your request.  On April 29, 2016, we received a payment by phone of $248.02, which resulted in a zero ($0.00) balance.  Our internal documents do not show any delinquency associated with this situation and no derogatory information was sent to the credit reporting agencies.   [redacted], we understand that you have a choice in where to shop and we are sorry this misunderstanding has jeopardized our business relationship.  I hope you will reconsider the use of your account in the future.  If I can be of assistance on another matter, do not hesitate to contact me.    Sincerely,     Stephanie C. Macy's Executive Office ###-###-#### Extension [redacted]   cc:  [redacted], Revdex.com

July 5, 2016 [redacted]
[redacted]
[redacted]RE:  Revdex.com Complaint ID [redacted]        Macy’s [redacted] 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 apologize for any frustration you have encountered regarding this issue.In researching your account it shows that the following sequence of events transpired:• Payment made January 22, 2016, for the amount due of $204.00 but admittedly you entered incorrect banking information; therefore, you made another payment of $204.62 the same day.  • January 27, 2016, the original $204.00 payment was reversed.  This caused a return check fee of $27.00 and late fee of $12.25 to be charged to the account.  On January 27, 2016, the $27.00 return check fee was credited to the account.  • February 22, 2016, statement still had a $12.25 balance.• March 22, 2016, $54.00 was credited from the account, for late fees and interest charges.• April 22, 2016, interest charges were removed in the amount of $3.78.  • May 22, 2016, additional credits were processed for $12.25 (late fee) and $5.63 (interest). The total fees charged to your account were $39.25; however, the total credits were $75.66.  At this time no further adjustments will be made to the account.  As of the date of this letter your account is current and has an unpaid balance of $119.17 with a minimum amount of $27.00 due on or before July 22, 2016.  There have been no delinquencies reported to the credit bureaus regarding this issue. [redacted], I understand you are requesting some type of compensation; however, as a courtesy we have already removed all of the late fees and additional interest charges.  We realize that you have a choice of where to shop and we are sorry if this issue has jeopardized our business relationship.  If I may be of assistance in another matter, do not hesitate to call me at the telephone number listed below.  Sincerely,Monique M.Macy’s Executive Office###-###-#### Ext [redacted]cc: [redacted], Revdex.com

July 6, 2016   [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 29, 2016   Complaint Summary:  [redacted] requested that Macy’s remove the charge from her account for a coat that was purchased on macys.com but was returned to a store.  Also, that all interest charges and late fees be removed for a zero ($0.00) balance.  There has been confusion about the return.    Resolution:  I called [redacted] and informed her that we have decided to credit her account for the return of the coat, $156.77, and the adjustment will take a few days.  We have removed the late fees and interest charges, and she will have a zero ($0.00) balance when the coat return is applied to her account.  I also confirmed for her that the account was closed as she requested.  This resolved her complaint.      Michael J. Macy’s Executive Office ###-###-#### Extension [redacted]   cc: [redacted], Revdex.com

[redacted]   [redacted] June 13, 2016   [redacted]
[redacted]
[redacted]   Re:  Revdex.com Complaint [redacted]        Macy’s account ending in [redacted]   Dear [redacted]...

[redacted]:    I am in receipt of your complaint forwarded to Macy’s Executive Office by the Revdex.com.  As a representative of this office, I was asked to review and respond to your concerns on behalf of Department Stores National Bank. Please accept my sincere apology for any frustration this matter may have caused you.   Please be assured that the service you received is not typical of the level of quality customer service that we strive to provide.  Macy’s goal is to have professional and knowledgeable Customer Service associates, so that all of our customers’ questions and needs are addressed and resolved efficiently.  From the comments in your complaint, it appears we may be falling short of that goal.  Therefore, I would like to thank you for the time you took to share this situation, as it provides us an opportunity to follow up with the appropriate action.   Upon review, I found that the billing statement for the period ending December 8, 2015, had a credit balance of $177.34, due to your returns, late fee and interest charge adjustments, and a credit of $126.94.  A purchase was made on December 14, 2016, of $353.23 which absorbed the $177.34 credit that was on your account resulting in a balance of $175.89.  We received your payment of $175.89 on January 20, 2016, which brought the account to a zero balance.  However, on February 20, 2016, during an account audit, our Billing Adjustments Team was unable to verify where the credit of $126.94 came from and fixed the error, which resulted in a debit of $126.94 back to your account.    Since we were unable to validate the credit error that had occurred, I have reversed the debited amount of $126.94 from your account.  On April 13, 2016, a representative removed a late fee of $27.00 per your request and I have removed the remaining late fees ($64.00) and interest charges ($8.87) resulting in a zero ($0.00) balance.  I have also cleared our internal records of any delinquency associated with this issue, and requested that [redacted], [redacted], and [redacted] delete the delinquencies for April 2016 through June 2016.  Please allow 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.    [redacted], we understand that you have a choice in where to shop and we are sorry this matter wasn’t resolved sooner.  If I can be of assistance on another matter, please do not hesitate to contact me.    Sincerely,     Stephanie C. Macy's Executive Office ###-###-#### Extension [redacted]   cc:  [redacted], Revdex.com

February 8, 2018  RE: [redacted] We will not be accommodating this customer further. We have sent a $60 gift card for the inconvenience of cancellation of her order to replace order once back in stock. The gift card has been spent and we will not be sending anything further to her as accommodation. If she would like to order this item again, as previously stated, I would be more than happy to honor the sale price she received when originally ordered. She does have my contact information to place the order. We consider this matter to be closed, thank you. Sincerely, Tara B.Liaison, Omnichannel Executive Office | Macy's, Inc.9111 Duke Blvd. | Mason, OH 45040Office: ###-###-#### Fax: ###-###-####

January 12, 2018  [redacted] re: Revdex.com Rebuttal Complaint ID: [redacted] Dear [redacted]:  I do apologize that you state you have additional concerns with this issue. On behalf of Macy's Executive Office, please accept my sincere apology for the concerns about availability for your [redacted] mixer in order #[redacted]. Your customer service experiences did not meet your high expectations for Macy's, or our own. Under no circumstance, however, do I find it appropriate to issue a full refund. In respect and consideration, I sent a $75.00 Macy's gift card. You have been a loyal Macy's customer and hopefully that will be of use to you. Should you wish to return the product(s) purchased, we would then issue a full refund to your original form of payment.  Based on the present circumstances, we will not consider any further compensation and we consider this matter closed. Thank you. Sincerely,   Marjorie B.Macy's Executive Office###-###-#### Extension [redacted] cc: [redacted], Cincinnati Revdex.com

The resolution I am seeking is for Revdex.com.org to assist me and several other customers in confirming if this $2 revolving interest fee is legal for Macy's to charge their store card holders. If you google "Macy's $2 credit card fee", you will find several other filed complaints. Macy's has already...

adjusted my account for the recent (February) $2 fee, however I paid the same fee twice for prior months - again, keep in mind that's my balance was $0 (zero). I wonder how many other customers are being charged this unethical fee and have absolutely no idea.

[redacted]
January 6, 2016
[redacted]
Re:  Revdex.com ID [redacted]
Dear [redacted]: 
I am in receipt of your complaint forwarded to Macy's Executive Office by the Better...

Business Bureau.  As a representative of this office, I was asked to review and respond to your concerns. I apologize for any inconvenience you may have experienced. 
Thank you for the courtesy you extended to me during our phone conversation on December 21, 2015.  In reviewing your complaint and the information you provided, unfortunately, we are unable to issue you a cash refund for your jewelry purchase without the original purchase receipt.  While Macy's has a very liberal return policy, we will accept for exchange or return merchandise that does not completely satisfy you with a valid receipt from the original purchase.  Macy's uses a return verification system and all returns and/or exchanges are subject to validation and approval.  With a receipt or proof of purchase, a refund will be credited back to the original form of payment used or if you prefer, a store credit will be issued.  Your original receipt is required for a cash refund.  Without this proof of purchase, you may be issued a store credit for the item's lowest selling price within the past 180 days.  Please note, if you purchased the item with a debit card, we will still need the original receipt which reflects that the item was purchased as a debit transaction in order to issue cash refund.  If there is not a receipt, we will credit the item back to the account number shown on the debit card.
[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 telephone number listed below.
Sincerely,
Janice D.
Macy's Executive Office
###-###-#### Extension [redacted]
cc:  [redacted], Revdex.com

[redacted], We received the rebuttal for [redacted] regarding ID [redacted]. The customer stated they never received the credit for their canceled orders. We have verified that the late fees have been removed and one credit is outstanding. We have resubmitted the refund request. Please allow 3-5 business days for receipt.   Jon A. | Omnichannel Presidential CorrespondentOmnichannel Selling and Service Escalation Team | MCCS Executive Office

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.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]The business response did not address the issue of the warranty and my knowledge the financial institution is part of the business and I believe Jake Sweeney has the authority to remedy my complaint.
Regards,
[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.   
In the letter from Macy's, the representative states she attempted to contact me several times to resolve this matter. However, this is NOT true. I received one phone call from Macy's on January 19th, nearly a month after my complaint was filed. I can provide phone records as proof of when I receive incoming calls to verify the January 19th call was the only time anyone from Macy's ever contact me. I returned the representative's phone call on January 31 and left a voicemail. In her Revdex.com response, the representative advised me to contact the three credit reporting bureaus to dispute that I had a Macy's account, the very solution I asked Macy's to institute. Macy's has my full name, address, and phone number which is sufficient information to contact the credit reporting bureaus on my behalf and inform them that I do not have an account with the company. The onus is on Macy's to contact the bureaus, as the credit reporting bureaus will not take my word as proof that I do not have a Macy's account. If the representative wants to contact me again, they have my phone number, home address, and email address.  
Regards,
[redacted]

[redacted]   [redacted]
 
 
June 22, 2015
 
 
[redacted]
[redacted]
[redacted]  [redacted]
 
Re:  Revdex.com complaint #[redacted]
   ...

    Macy’s account ending in [redacted]
 
Dear Mr. Foelsche:
 
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.  Thank you for the
courtesy you extended during our telephone conversation on June 11, 2015.  This letter is to confirm our discussion.
 
As I explained, because we
did not receive the balance in full from your March 3, 2015, statement that was
due on April 3, 2015, interest was charged according to the enclosed Department
Stores National Bank Credit Card Agreement. 
If you pay less than the Total New Balance on your Revolving Account
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. 
However, as a courtesy, on June 11, 2015, I removed the interest charges
of $2.67 and $2.28.  As of the date of
this letter, your Macy’s account has a credit balance of $2.28.  Please, again accept my apology for not
receiving a response to your website communication.  I have forwarded your concerns to the
appropriate party to review further.
 
[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 do
not hesitate to call me at the telephone number listed below if I may be of further
assistance.
 
Sincerely,
 
 
[redacted]
Macy’s Executive Office
###-###-#### Extension [redacted]
 
Enclosure / mailed June 22, 2015
 
cc: [redacted], RevDex.com
      Manager, Credit Customer Service   The Macy's card is issued by Department Stores
National Bank.

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.   See attached, for "[redacted]" satisfaction, regarding proof of recordings.  She didn't pull any calls as she stated on the record to me she would in order to substantiate the ID of culpable employees and the accuracy of my claims. Because she doesn't care.  That's fine.  I have them stored as previously stated (no bluffs necessary).  Totally aboveboard and legal since Macy’s uses relatively precise lingo informing the public that they may record for quality control purposes.  That, and I alerted those I spoke to anyway; they never hung up; that’s consent.  Oh, and as far as our conversation Yvonne, Ohio is a 1 party consent state. So is NY.So anyway, she's wasted an additional hour of my time (that's now 18 and change total by Macy’s) and misrepresented herself as trying to do anything to "make me satisfied."  A wolf in sheep's clothing indeed, as I actually went out of my way and gave her via voicemail until this afternoon to again contact me in spite of her ridiculous Revdex.com response. She has chosen to ignore that olive branch.  I waited until 2 PM; that’s as patient as I’m willing to be.  Ironically, she's doing THE EXACT SAME THING the previous Macy's reps did – LIE and REVOKE VERBAL OFFERS.  By the way Yvonne, that “compensation” you offered isn’t even possible assuming I’d accept it, which I wouldn’t: the Affliction shorts haven’t been available in my size since your website deceptively and falsely showed them to be available last week.   I even checked yet again today.   Nope.  You claiming they were is just more deception and/or ineptitude.  Back on topic: In the beginning of our phone call last Wednesday, where SHE initially reached out TO ME, she first offered LESS than what I was TWICE PROMISED by previous supervisors.   She attempted to lowball me.  Not the highest offer, the lowest.   She didn't want to honor the agreement of $100 off in addition to free expedited 1-2 business day shipping, let alone compensate me for all the emotional distress I’ve incurred and time wasted.   THEN she graduated to that offer of $100 off plus expedited shipping after much deliberation.   I said no thanks.   I'd gone out of my way to contact the executive department as I said I would, to make a legitimate complaint, and if all they can do is GRUDGINGLY honor the thing that should've been honored no questions asked nearly a week prior then they clearly don't value me as a longtime customer.  I wouldn’t be surprised if this is not an exception to the rule, but rather the norm.So she explained midway through this call that's all she would be willing to do.  A greedy, billion dollar company that committed consumer fraud, specifically deceptive trade practice, against me and is being investigated by a myriad of public and private consumer protection agencies for their national blunders obviously CAN do better, they just WON'T.   It was near the end of our call when I made it clear her offer was hot garbage and I'd prefer making formal complaints to the proper NY State governing agencies and informing the public of these kinds of shenanigans.  My ancillary offer was to receive that $100 compensation in lieu of Yvonne agreeing to put herself in my shoes and videotape herself (for proof) listening to the 8+ hours of frustrating, obtuse, distressing, horrific CS I experienced so that she could have more empathy.   She refused.   After some stonewalling, she then asked me, "If I sent you everything in your bag free of charge would that resolve this for you?"  FINALLY.   A legitimate offer.  I immediately agreed to her verbal contract stipulation for everything in my bad ID totaling approximately $300 to be shipped to me free of charge with expedited shipping.  But because it was running late (nearly 6:30 pm), I wanted to show class and told her and I quote, "Go get something to eat, go get something to drink.  I know you wanna go home. Think it over. Get back to me.  You have my phone, my email, everything."  Previously she had told me she'd finalize whatever we agreed upon on by Friday or the following Monday since she would be out of the office Thursday.   Basically I urged her to get back to me either day to finalize this offer (the implication being in writing with the order actually placed).  Then I disconnected the call.Not that it's necessary to enforce in writing given I can prove she made the offer.  And the Statue of Frauds wouldn't apply here as the total purchase after sale prices would be retroactively applied (as she promised she would do) and came in at far less than $500.00 as necessitated by the UCC.  See attached pictures for proof. So now we're at emotional distress, varying elements of fraud, and several breaches of contract, one committed by the self-alleged highest Macy's exec you can reach for Revdex.com complaints.   Not a good look "Buffy."   The matter is very much quite open.  How open remains up to you.   You have 24 hours to honor that oral contract before or I go ahead and do what I do.  I climb ladders.  If you insist on disrespecting me I'll just go straight to Jeffrey K..  Then Rob H., whose task it is ironically to "provide consumers a consistent shopping experience across multiple retail channels, including the ability to view updates of all available inventory whether shopping online or in stores."My suggestion would be to stop wasting my freaking time.  You're just compounding mistakes and further distressing me.  
Regards,
[redacted]

July 27, 2017[redacted]RE: [redacted]Case # [redacted]Revdex.com ID [redacted]Macy's Account ending in [redacted] (Charged Off)Dear [redacted]:I am in receipt of your complaints filed with the [redacted]...

[redacted] and The Beller Business Bureau (Revdex.com) and forwarded to Macy's Executive Office on July 18, 2017. As a liaison in this office. I was asked to review and respond to your concerns on behalf of Department Stores National Bank (DSNB or the Bank).Please be assured that the Bank does not participate in dishonest or deceptive business practices of any kind. We have policies and procedures in place to ensure that we are in compliance with applicable laws. While the FCRA requires the Bank to verify the accuracy of the information it is reporting to the credit reporting agencies, the FCRA does not require the Bank to provide the consumer with any documentation associated with that validation.The account referenced above was opened on March 10.20 t. and closed on May 26, 2013, by the creditor. Department Stores National Bank. due to delinquency. Our records indicate that the last purchase date was August 23, 2012. and the last payment we received was on October 19, 2012. According to the DSNB Credit Card Agreement. a late fee is added for each billing cycle you sail to pay the Minimum Payment Due by the payment due date. We show that all nonthly statements were mailed to you at the address on the account. which is the same as the address on your CFPB and Revdex.com complaints. We have no record of return mail to our offices by The United States Postal Service which suggests the billing statements were delivered. I have enclosed copies of all available statements and receipts for this account as validation,You state in your complaints that you disputed the above referenced account as inaccurate and that DSNB was never able to validate the debt. My research shows that you submitted a total of ten (()) letters regarding this issue: you were issued nine (9) response letters (copies enclosed) requesting additional information in order for us to investigate your concerns. We have no record of ever receiving the information that we requested. Additionally, the letter that you sent on July 12, 2016. indicates that you were aware of the account and you further acknowledge that you failed to submit your monthly payment on time due to personal matters outlined in your letter.The above referenced account charged off on May 26, 2013, with an outstanding balance of $376.23. It is not he Bank's policy to remove any delinquency unless it occurred as a result of a bank error. As a credit provider, we are obligated to report the account accurately to the credit reporting agencies, whether it is favorable or unfavorable to the customer. Therefore we are unable to accommodate your request to remove the delinquencies from your credit report. However, on July 19,2017, we instructed the credit reporting agencies to  update their records and report your account as "customer disputes reporting".Thank you for bringing this matter to our attention and giving me the opportunity to reply. Feel free to contact me at the telephone number listed below if you have additional questions.Sincerely, Cory E.Macy's Executive Office###-###-#### Extension [redacted]Enclosurescc: [redacted]CC: [redacted]      The Revdex.com

Dear [redacted], We are in receipt of Revdex.com Complaint ID [redacted].  We have communicated through e-mail with [redacted] and the store manager 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: ###-###-####

February
11, 2016
[redacted]
[redacted]
[redacted] 
Re:  Revdex.com complaint ID [redacted]
        Macy’s account ending in [redacted] 
Dear
[redacted]: ...


We
are in receipt of your complaint filed with the Revdex.com and
forwarded to Macy’s Executive Office, where as a liaison, I was asked to review
and respond to your concerns on behalf of Department Stores National Bank.  Please accept my apology for any frustration you
may have encountered in trying to access your account information and pay your
bill online at macys.com.  I was
disappointed to learn about your attempts to resolve the situation with our Credit
Customer Service Department.  The service
you described receiving is not typical of the level of customer service we
strive to provide. 
As
you mentioned in your complaint, we recently underwent a system conversion for
the Macy's credit card accounts as well as the credit servicing pages accessed
through the macys.com website. Unfortunately, the implementation of this
upgrade may have caused challenges when accessing the credit servicing site for
the first time after the conversion. However,
I was pleased to learn that you were able to successfully enroll to manage your
Macy’s account online on November 29, 2015. 
I
confirmed that we received your online payment of $371.63 on January 29, 2016,
which brought your account to a zero balance. 
In addition, as a gesture of our goodwill, I adjusted recent interest
charges and a late fee, resulting in a credit balance on your account of
$26.06.  Also, be assured that this
situation had no negative impact on your credit report. 
Thank
you again for bringing this matter to our attention and giving me the
opportunity to reply.  We truly
appreciate your continued patronage.  If
I can be of assistance on another matter, feel free to contact me at the
telephone number listed below. 
Sincerely,
Michael
J.
Macy's
Executive Office
###-###-####
Extension [redacted] 
cc:
[redacted], Revdex.com

[redacted]   [redacted]
December 29, 2015
[redacted]
[redacted]
[redacted]
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 Macy’s
Executive Office, I was asked to review and respond to your concerns.  I had hoped to speak with you personally, but
my attempts to reach you were unsuccessful. 
We
sincerely regret the problems you have encountered regarding unauthorized
purchases being charged to your bank debit account and for the difficulty you
described in trying to resolve this situation. 
Although it is your responsibility to dispute these charges with your
bank, I am sorry that you have received so little assistance from us.  Please accept my personal apology for any
inconvenience or frustration you may have been caused.
I
was disappointed to read your description of the communication you had with our
telephone representatives and that further precautions were not made available
at the time of the on-line purchases on December 6, 2015.  Since the person using your bank debit card
number was not using your name, address, phone number or e-mail address to
place the orders, it is difficult for us to stop the use of a bank debit card
being used on-line. 
At
this point, we are unable to investigate this matter without having the bank
debit card number.  Please provide a copy
of your bank statement showing your account number with the dates and amounts
of the macys.com charges.  Once we have
this information, we may be able to assist your bank in clearing these charges.  However, please be advised that the ultimate removal
of any charges from your bank debit account must be done by your bank directly.  You may fax a copy of your bank statement to
my attention at ###-###-#### or scan and e-mail a file copy to [email protected]
[redacted],
be assured your complaint will be addressed when additional details are
provided.  If you have questions
regarding this letter or the information required to process your request, do
not hesitate to contact me at the telephone number listed below.  
Sincerely,
[redacted] Randi P.
Macy's Executive Office
###-###-#### Extension [redacted]
cc:  [redacted]
Geers, Revdex.com

July 3, 2017   [redacted]  [redacted]  [redacted]   Re: Revdex.com complaint ID [redacted]         Macy’s account ending in [redacted]   Dear [redacted]:   We are in receipt of your complaint...

filed with the Revdex.com and forwarded to Macy’s Executive Office, where as a liaison, I was asked to review and respond to your inquiry on behalf of Department Stores National Bank.  Please accept my apology for any concern this situation regarding your account may have caused. While I would have liked to speak with you personally about this matter, my attempts to reach you were unsuccessful.   According to the Department Stores National Bank Credit Card Agreement, if you have been paying less than the New Balance on your Revolving account 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. Please be aware that Macy’s does not charge a fee to have an account. This interest charge is for the money loaned to you during that period, and will appear on the next month’s billing statement, which may consist of interest only. You can avoid being charged interest by paying your Revolving account balance in full every month by your payment due date. My review of this matter found that all interest was correctly charged in accordance with the Credit Card Agreement. My research confirmed that your account had not been paid in full and also had delinquent payments over the previous year.   Applying the above billing policy to your account, an interest charge of $2.00 was added after receiving your past-due payment of $117.00 on May 27, 2016. Had you paid the initial $2.00 interest charge, since there were no new purchases, you would have had a zero balance the next month and would not have continued to accrue interest charges.   As a gesture of our goodwill and in the interest of customer service, I removed $8.00 of interest charges from your account, bringing your account to a zero balance. This letter will also confirm that we have suppressed the sending of all advertising to you and your account was closed at your request on January 8, 2017.   [redacted], thank you for allowing me to respond.  If I may be of assistance on another matter, feel free to contact me at the telephone number listed below.    Sincerely,     Michael J. Macy’s Executive Office[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.  i would not willingly accept online bills. If I made a payment online and it went to online bills, it was withought my knowledge. I am disappointed in the fact that u are unwilling to work with me to one, get ur money and 2 clean up the mistake made. I ask again for my account to be close. I will NEVER be a customer of urs again. U have already tuned my credit for something that wasn't my fault and are not willing to to anything in a situation that was clearly on you guys, so I have no motivation to send you any more money. You have tacked on like 300$ in extra charges that you will not see from me. 
Regards,
[redacted]

August 31, 2016   [redacted]   Re:  Revdex.com Complaint ID# [redacted]          Macy’s Gift Cards ending in [redacted], and [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.  Please accept my sincere apology for any inconvenience or frustration this matter may have caused you and for the delay in responding to your inquiry.   I would also like to apologize for the lack of response you described receiving while attempting to resolve this matter.  Please note that the service you described is not indicative of the quality customer service we strive to provide. While we do not like to hear that we did not meet your expectations, we appreciate the time you took to contact us, as it assists us in truly understanding our customers’ experiences and directs our attention to areas in which we can improve our service quality.   I have reviewed your concerns directly with the Gift Card department.  In order to consider replacement of the gift cards, we have requested the original proof of purchase receipts for the gift cards, along with the front and back copy of each card.  Without this documentation we are unable to replace the gift cards and I truly apologize for any miscommunication that may have occurred in relaying this information to you.  You can provide the requested documentation for review directly to me via email at [email protected] or fax to ###-###-#### to my attention.   Be assured that your complaint has been acknowledged and will be addressed accordingly when the additional documentation being requested above is provided.  In the interim, if you have questions regarding this letter or the information required to process your request, please do not hesitate to contact me at the telephone number listed below.    Sincerely,     Monique M. Macy’s Executive Office ###-###-#### Extension [redacted]   cc: [redacted], Revdex.com