Macy's

Dear [redacted], We are in receipt of Revdex.com Complaint # [redacted]. After numerous attempts by phone and email, we have not had any contact with the referenced customer. We have reviewed the complaint and have taken the following actions to resolve concerns as expressed. The customer’s account was...

not billed for any interest charges or late fees.  Based on this, we consider the matter closed satisfactorily. Thank you. Thanks Jan B. | Omnichannel Presidential CorrespondentOmnichannel Selling and Service Escalation Team | MCCS Executive OfficePhone: ###-###-#### | Email: [redacted]

October 19, 2015
[redacted]
[redacted]
[redacted]
Re:  Revdex.com complaint #[redacted]
        Macy’s [redacted] account ending in
[redacted]
On behalf of Department
Stores National Bank:  
Contact Date with Customer:  October 16, 2015
Complaint Summary:  [redacted] requested a new card with her
married name be sent several times but never received it.  She had updated her address and was receiving
coupons but not the card.  When an
associate reported the card lost/stolen her auto payments were stopped causing
her account to go past due and she was embarrassed when she was unable to use
the card in the store.
Resolution:  I
called [redacted] and apologized for the confusion and delay receiving her card
and for the error with her auto payments. 
I confirmed there was an error when her address was updated on her
Macy’s [redacted] side of her card but not the in store side which
allowed her to receive coupons but not a card. 
I verified that the name had been updated and the late fee of $10.00 and
interest of $6.83 was credited, and her auto payment is now working.  She confirmed she has received the card with
the correct name and stated she was satisfied with the resolution.  I thanked her for speaking with me. 
Rhea B.
Macy’s Executive Office
###-###-####
Extension [redacted]
cc: [redacted], RevDex.com   [redacted]
is a federally registered service mark of [redacted] and is used by
Department Stores National Bank pursuant to a license.  The Macy’s [redacted] Card program is
issued and administered by Department Stores National Bank.

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.  If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply.  Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
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]

May 19th, 2017Dear [redacted].Macy's would be happy to assist the customer with her billing/refund disputes if she can provide documentation. Macy's has previously requested this information from [redacted] but to date we haven't received anything. Without this information. Macy's is unable to investigate further. If Ms. Gabriel is welcome to contact me for assistance. Thank you. Sincerely,Tara B.Macy's Executive Office###-###-#### Extension [redacted]Tara B.Liaison, Omnichannel Executive Office | Macy's, Inc.9111 Duke Blvd. | Mason, OH 45040Office: ###-###-#### Fax: ###-###-####

Hi [redacted] - I just checked my mobile banking app and the credit have been processed, so I guess my case is complete. Regardless, Bloomingdales should be ashamed of how they handle matters with customers. I truly have never had a worse customer service/return/refund issue with any other company. Thank...

you for your help!!

February 19, 2018  [redacted]Marketplace Resource ConsultantCincinnati Revdex.com Dear [redacted]:  I am in receipt of complaint ID: [redacted]. I have spoken to [redacted] and we have addressed all issues to his satisfaction. Based on this information, Macy's...

considers this matter closed and resolved. Sincerely, Steven A.Liaison, Omnichannel Executive Office | Macy's, Inc.P.O. Box 8215   Mason, OH 45040Office: ###-###-####

Dear [redacted], In regards to this issue, we were able to perform further verification that will enable the customer to make future purchases.  Due to this, we consider the matter resolved satisfactorily.  Thank you. Sincerely, Yvonne F.Liaison, Omnichannel Executive Office | Macy's, Inc.9111 DUKE BLVD | MASON, OH 45040Office: ###-###-#### Fax: ###-###-####

June 09, 2015
 
 
[redacted]
[redacted]
[redacted]
 
Re:  Macy's Store Account ending in [redacted]
 
Dear [redacted]: 
 
I am in receipt of your complaint filed with the Revdex.com regarding your Macy's Store account ending in [redacted].  As a representative of Macy's Executive Office, I was asked to review and respond to your concerns on behalf of Department Stores National Bank (DSNB).
 
I am aware you are attempting to improve your credit report by requesting that we modify the payment history associated with the above referenced Macy's account.  It is our policy not to remove any delinquency from your credit report, unless it occurred as a result of a billing or bank error.  As a credit provider, we are obligated to report the account accurately to the credit reporting agencies, whether it is favorable or unfavorable to the customer.  After researching the delinquency on your account, we found the information to be correct.  Our records indicate we did not receive the minimum payments due on the account during the billing statement for periods ending March 18, 2010, through May 18, 2010, and July 18, 2010, through January 18, 2011. 
 
I understand you feel your June 15, 2010, payment in the amount of $150.00 was slightly less than the balance at that time.  However, according to the enclosed monthly statement for the billing period ending June 18, 2010, your balance at that time was $175.46.  Your $150.00 payment reduced your balance to $28.74, which was due by July 18, 2010.  Unfortunately, because no further payments had been received, monthly late fees and interest charges were charged to the balance until your account charged off on January 18, 2011, with a balance of $180.87.  Your account was then assigned to the first of several outside collection agencies.  A mutually negotiated settlement amount was received on October 1, 2014.  We now consider your account as settled-in-full, and it will continue to appear as a settled charge-off on your credit report. 
 
For your convenience, I have enclosed copies of the billing statements for the periods ending March 18, 2010, through January 18, 2011.  Additionally, I have enclosed a copy of Department Stores National Bank Credit Card Agreement for your review. 
 
Unfortunately, we are unable to accommodate your request to remove the delinquency from your credit report.  However, on June 28, 2013, we instructed the credit reporting agencies to update their records and report your account as 'customer disputes reporting'.
 
[redacted], I hope that you can understand our position on this matter although it may differ from your own.  Please do not hesitate to contact me at the telephone number below if you have additional questions or if I can be of further assistance.
 
Sincerely,
[redacted]
Macy's Executive Office
###-###-#### Extension [redacted]
 
Enclosures
 
cc:  Revdex.com - Complaint ID [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.  Dear [redacted]:Thank you for your assistance in resolving this issue with Macy's. I did receive a written reply in the mail Thursday this week (3 days ago) dated October 15 from Macy's.Regards, 
[redacted]

September 14, 2017     [redacted]   Re:  Revdex.com Complaint ID #[redacted]         Merchandise return   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. It was a pleasure to speak with you on September 6, 2017, and September 13, 2017. Thank you for accepting my sincere apology for any inconvenience this matter may have caused you.   To clarify, our return policy states that we will accept merchandise for return within one year of purchase, and that the merchandise must be in saleable condition (other than manufacturer’s defect). Although you no longer have the third-party [redacted] credit card receipt for the shoes, you mentioned that you provided your credit card to the Manager, but she was unable to find any information.   As stated, I escalated this matter to our Store Manager, and I am pleased that after further review, she honored your request to return the shoes for a refund. Please know that 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 customers' experiences and directs our attention to areas in which we can improve our service quality.   Thank you again for bringing this matter to our attention and giving me the opportunity to respond.  If I can be of any further assistance, please do not hesitate to contact me personally.   Sincerely,     Regina M. Macy's Executive Office ###-###-#### Extension [redacted]   cc: [redacted], Revdex.com        [redacted] Center Store Manager

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.    [redacted]December 21, 2017Jeffrey G., Hal L., Elia G. & Karen H. Macy's Executive Officers7 West Seventh StreetCincinnati, OH 45202Department Stores National Bank P.O. BOX 8.066Mason, OH 45040PERSONA. & CONFIDENTIALRe: 1. ACCount # [redacted]2. [redacted] Complaint: [redacted] 3. Revdex.com Cincinnati Complaint: [redacted] Note: The word "your" or "you" means Macy's and/orDSNB (Department Stores National Bank)Dear Madams and Sirs:Regarding the above referenced complaints and all of my previous phone calls and previous letters of disputes of the incorrect and inaccurate balances and incorrect APR % charges and inaccurate special promotion Subaccounts (special events) balances and finance charges, be advised of the following:By this letter I am preserving my rights under the laws of the United States and the State of [redacted], and all States in which Macy's & DSNB operate; and I state unequivocally that I am disputing Macy's Inc.'s and Department Stores National Bank's failure to take responsibility for their falsification and their erroneous addition of "$456.39" to the original amount of my September 30. 2015 "24 month interest free" purchase of $1797.60, when it was in fact Macy's and DSNB's error, which they have repeatedly and continually refused to investigate and refused to correct, contrary to both their written policy, and Contrary to the Federal consumer credit protection laws and regulations, during the past 12 months of my 16 letters of request.When Macy's and DSNB make the mistake, it is not a "courtesy" to me. Macy's and DSNB have refused to admit their numerous mistakes on my account, and have refulsed to make the proper corrections, and have refused to even respond to my written disputes in a timely manner, and have still not done the necessary and accurate investigation to date.10. I am disputing the entire amount (as of the December 26, 2017 due date) on my account of $2446.20, which is erroneous and false. And I am disputing each of the sub-account amounts that on this same December 26, 2017 bill statement because each amount is erroneous and non-factually based.I am disputing the entire $1533.48 amount of the 24 month special event sub-account on this statement. Macy's and DSNB have failed to remove the erroneous additional charge of $456.39" which Macy's staff stated was an "accounting" input mistake made in September or October 2016. This total is false and based on non-factual, non-contractual and Macy's/DSNB's "erroneous" human manipulations.I am disputing the interest charge of $911.88 because Macy's/DSNB company failed to make the monthly allocation of my on time payments that specifically directed your company(ies) to make to this 24 month special account, and as was agreed to by Macy's when I originally made the subject purchase.I am disputing the interest charge of $911.88 also because Macy's/DSNB failed to comply with the original contractual agreement of the APR rate being 24.50% for the entire 24 month period as stated on the receipt, which is a written contractual agreement, and there is no other agreement that authorized.I am disputing your statements as being untruthful when you informed the agencies that you offered to correct the $456.39 error as a "courtesy." Contrary to your unwilling admission of the your erroneous addition of $456.39 to the original $1797.6024 month special event amount in response to my complaints to the Revdex.com of Cincinnati and the [redacted] and your offer to correct it, no such correction has been made on the billing statement due December 26, 2017. In fact this billing statement adds this amount into the total due for interest payments at the noncompliant APR of 25.50%.Further, it is absurd and non-factual for Nancy Mobley to state that Macy's "responded" to my letters, when in fact Macy's/DSNB never investigated their erroneous charges or increases to my balances and APR % that were never agreed to, noncompliant, nor authorized by me. Therefore, I reject Ms. Mobley's response on Macy's behalf to the [redacted], the Revdex.com of Cincinnati and to me as untruthful and noncompliant with the Fair Credit Billing Act and the other federal and state consumer protection regulations,I am disputing this entire bill statement amount because you failed to offer and failed to correct my 24 month special event account's balance by allocating the past 24 months of timely payments so that the last and final payment I would have had, would have been less than $75.00 and it would be paid off and this sub-account closed by October 31, 2017, as originally stated in my agreement with Macy's, [redacted], [redacted], [redacted] Jewelry Department manager and Store.I am disputing and continue to dispute your incomplete investigation of my account's documents and phone calls, including Macy's/DSNB's refusal to allocate ALL OF the 24 monthly payments that I made. Based on the statements Ms. Mobley made, she was not even aware of the original receipt that I have repeatedly mailed and included in my complaints, but did not look into these very important facts.I am disputing your extension the 24 month special event another 24 months with a $1533.48 balance and that you are charging me at the escalated APR % of 25.50 and more as the prime increases. Again, based on the statements Ms. Mobley made she did not look into this and was not even aware of the documentation provided stating the facts, which Macy's/DSNB refuse to comply with. 11. I am disputing your incomplete and fake investigative findings sent to the [redacted] and Revdex.com because you refuses to admit that you, your company and your personnel provided me with incorrect and inaccurate total balances and sub-account (special event) balances and total amounts purchased since October 2015 bill statement through October 2016, and through the current bill statement.12. I am disputing the entirety of your November 2017 and December 2017 bill statements because they are untruthful and non-compliant with the federal regulations protecting consumers, the Fair Credit Billing Act, and all of my legal rights.13. I am disputing this December 2017 entire bill statement, as specifically detailed in my 16 timely mailed letters, because you/your company/your personnel failed to allocate the $75.00 allocation of my monthly payments to my "24 month special event" sub-accounts from November 2015 through September 2017, which is non-compliant with the agreement of the 24 month interest free account as was verbally told by your Macy's [redacted], [redacted], [redacted] personnel, and as specifically directed your customer service and billing personnel to do numerous times.14. I am disputing this entire December 2017 bill statement because it is not based on any known accurate arithmetic or mathematical calculations or even GAAP.As of my October 26, 2017 bill statement, the total accumulated allocated payments to this sub-account referred to as "Previous Balance" should have been about $1725.00, leaving a total remaining balance of about $72,60. (If the monthly $75,00 payment allocations had been made to my "24 month special event" sub-account, as originally agreed by all parties.)Be advised, that under the Fair Credit Billing Act, I refuse to make any interest payments whatsoever to the "24 month special event" sub-account (with the original transaction amount of $1797.60) because of your failure to comply with the agreement to allocate and deduct my 24 monthly payment allocations and because of your failure to comply with numerous aspects of my rights the federal consumer credit protection regulations.Be advised, that under the Fair Credit Billing Act, I do not owe any additional amount for the original transaction purchased under the "24 month special event" sub-account, because of Macy's/DSNB's failure to make the stipulated monthly allocation of my timely payments to my account, as originally discussed and agreed with Macy's management and as documented.MAJOR FACT 1: The original amount of my "24 Month Special Event" purchase on September 30, 2015 was $1,797.60. 24 equal monthly payments is arithmetically $74.90.Although I began making phone calls to your supposed "customer service" department to get the correct allocation of my monthly payments allocated to this "24 Month Special Event" sub-account, when received the first billing statement for this merchandise, your customer service department failed to make this allocation. Then I made follow up calls to customer service and your customer service department continued to fail to make my verbally requested monthly allocation from my payments to this sub-account. In September 2016 called Macy's executive offices and spoke several times with Macy's Peter D., who assured me he would have the best person "straighten out" this long recurring problem with my account.When my November 26, 2016 due date bill statement arrived, Macy's & DSNB had suddenly, fraudulently and without any substantiation, factual basis or any explanation, added an amount of S456.39 to the "original promotion transaction amount" of my September 30, 2015 purchase identified on my bill statement under the sub-account called "24 Month Special Event". Macy's and Department Stores National Bank did this without my authorization, without my having made any purchase, and without providing me of any notice or reason for their arbitrary increase, 12 months after my original transaction.I am disputing Macy's/DSNB's persistent non-compliance with the Fair Credit Billing Act because they failed to perform and failed to provide me with an appropriate and adequate investigation and correction to my "September 30, 2015" "original promotion transaction amount" of $1,797.60, after waiting more than 12 months without correction or resolution.Idispute Macy's and DSNB's continuance of performing erroneous basic arithmetic to capriciously increase some arbitrary dollar amount to my "original purchase amount" and continue to refuse to apportion my monthly payments to this same sub-account, both in an attempt to fraudulently increase the amount lowe and fraudulently prevent me from paying down the "24 month special event" sub-account without paying a significant amount of accrued interest.MAJOR FACT 2: All parties agreed to a "24 month special event" account for the original transaction amount of $1797.60 that was to be set up on my billing statements with 24 months of equal payments (each approximately $75.00 per month) with NOINTEREST at the APR of 24.50% "from the date of the purchase until the balance is paid in full."Macy's and DSNB's refusal to do this is non-compliant with the consumer credit protection act, and is a violation of my rights.I am disputing the refusal of Macy's and DSNB to correctly allocate my on time payments to each and every one of the sub-accounts on my bill statement from November 26, 2015 through August 26, 2017, thereby causing erroneous interest charges and perpetual problems to each and every one of these billing statements.I am disputing the repeated failures of Macy's and DSNB to comply with my numerous requests via phone to correct or remedy any of the issues have documented and called about during the time from November 2015 to date, because these phone calls have resulted in nothing being corrected, but rather resulted in more falsification and fraudulent charges and ongoing repetitive failures to allocate my monthly payments in the correct amounts to the correct sub-accounts, specifically my "24 Month Special Event" sub-account which caused a significant incorrect amount of false charges to me. I am disputing the fraudulent practice of Macy's and DSNB increasing the original APR interest rate from 24.50% to 25.50% on my July 26, 2017 due date Macy's account Billing Statements for my two sub-accounts closed "Regular On Or Before 06/29/16" and original "24 Month Special Event". The Federal credit regulation prohibits this. Therefore, Macy's and DSNB are illegally increasing interest rates on my original purchases according to the federal credit regulations.I am disputing the Macy's and DSNB's erroneous and incorrect balance amount of this account.Macy's and DSNB's failure to make the correct monthly allocated payments to my account and sub-accounts is their attempt to cheat me and cause me to unfairly end up with a huge interest payment that is a direct violation of the credit regulations and my rights.I am disputing the fraudulent, false and non-factually based, erroneous and arithmetically incorrect $1533.48 "new balance" of my "24 Month Special Event" sub-account and the $911.88" interest charges" as stated on the December 26, 2017 bill statement due date.Be advised, that I demand that my account be immediately corrected in all respects, including credit to my accounts for the expenses and damages caused to me.Be advised, that I will continue to dispute the fraudulent activities and practices that you/your companies are perpetrating until such time as Macy's and Department Stores National Bank credit my account and reimburse me for my time, expenses and damages resulting from all problems with my account since October 2015, including resolving and remedying these issues with higher authorities and corrections to all of the credit reporting agencies to whom my account has been erroneously reported throughout this time.[redacted]CC: [redacted]YRevdex.com of Cincinnati[redacted] Consumer Affair[redacted] Consumer Affairs

Dear [redacted], I am addressing this issue on behalf of Macy's Executive Office. Thank you for your courtesy when we spoke. Please accept my sincere apology for the inconvenience you experienced you were not able to place an order with us due to an error issue on our site. I have...

successfully placed your order today, order number [redacted]. Honoring the 75% off watch sale we had “when you can buy one watch and get the other for 75% off”. I also took an additional 15% off of your order, you’re expected delivery date is 12/14/2016.[redacted], thank you for bringing this issue to our awareness and allowing me to respond. If I can be of further assistance, please do not hesitate to contact me at the telephone number listed below.   Dakota B.| Omnichannel Presidential CorrespondentOmnichannel Selling and Service Escalation Team | MCCS Executive OfficePhone: ###-###-#### | Fax: ###-###-#### | Email[redacted]

I still have not received the promised refund. I'd like to leave the complaint open for a few more days, which will be the end of the "14 business days" that the business said I should expect a refund within- [redacted]

April 26, 2016[redacted]
[redacted]
[redacted]Re: Revdex.com ID #[redacted]       Macy's [redacted] 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.  Please accept my sincere apology for any confusion or frustration that may have been caused regarding the interest charged to your Macy’s account referenced above and for the problems you encountered in trying to resolve this issue.We underwent a scheduled system update and redesign and there was a system error that prevented some customers from receiving their statements that has since been corrected.  A review of your account shows you contacted us by phone on November 10, 2015, and a statement for period ending October 16, 2015, was mailed to the address noted above.  In addition, on March 7, 2016; we mailed statements for periods ending September 2015 through March 2016.  We show no record of any returned mail.  On March 5, 2016, you contacted us by phone and while speaking with a phone associate a $2.00 interest charge was removed per your request.  In addition, on April 20, 2016, I have removed the remaining interest charges totaling $37.87 that were applied to your account leaving you with a credit balance of $37.87.  I have taken the liberty to request a credit balance refund check in that amount be sent to the address noted above.  Please allow 7 to 10 business days for delivery.I was happy to see Brian J. was able to reach you on April 22, 2016, to advise you the fees have been removed and that we have requested a Credit Balance Refund check in the amount of $37.87 be mailed to the address noted above.  It was disappointing to hear of the customer service issues you describe in your letter, as it 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.  [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.  Please do not hesitate to call me at the telephone number listed below if I may be of further assistance. Sincerely,Rhea B.Macy's Executive Office###-###-#### Extension [redacted]cc: [redacted], Revdex.com

[redacted]   [redacted]
February 11, 2016
[redacted]
[redacted]
[redacted]
[redacted]
Re: Macy's account ending in
[redacted]
Dear
[redacted]: 
I am
in receipt of your recent complaint filed with the...

Revdex.com
regarding your Macy's account ending in [redacted]. 
As a representative of Macy's Executive Office, I was asked to review
and respond to your concerns on behalf of Department Stores National Bank.
The Macy's
account ending in [redacted] was opened on November 22, 2008, and closed on February
27, 2014, by the creditor, Department Stores National Bank, because payments
were not received as required by the terms of the credit card agreement (copy
enclosed).  The last purchase was made on
November 21, 2013.  The last payment was
received on October 27, 2013.  The
account charged off on May 27, 2014.  I
am enclosing copies of the monthly statements for the billing periods ending
September 27, 2012, through May 27, 2014. 
I have also enclosed copies of available sales receipts for the
merchandise purchased.
We
have reviewed your account and denied your claim of fraud.  Our records indicate that there is no
previous communication regarding your claim of fraud and the charges that are
presently on your Macy's account.  We
show that all monthly billing statements were mailed to the address provided at
the time the account was opened.  At this
time we are showing no record of returned mail which suggests that all billing
statements were received.
Further,
the account is reporting accurately as an unpaid charged-off account on your
credit report. However, instructions were sent to the credit reporting agencies
to list your account as “customer disputes reporting” on November 24, 2015.
Unfortunately, we are unable to accommodate your request to remove the
delinquency from your credit report. Please know, your Macy's account has been
noted to indicate the request to cease all communication with you. 
Your
Macy's account ending in [redacted] is currently assigned to Associated Recovery
Systems, an outside collection agency, for the outstanding balance of
$1,392.47.  You may contact Associated
Recovery Systems, at ###-###-####.
[redacted], please do not hesitate to contact me at the telephone number below if
you have additional questions or if I can be of further assistance.
Sincerely,
Julia O. 
Macy's Executive Office
###-###-#### Extension
[redacted]
Enclosures
cc: The RevDex.com
    Complaint # [redacted]
   [redacted]
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].  I see that Macy's returned my refund to my bank account on Jan 4th 2017. I thank them on finally returning my money.  However, their resolve is insufficient.  I went through 157 minutes of phone calls + frustration of speaking with MULTIPLE customer service agents who barely understood basic American English + speaking with MULTIPLE U.S. agents who clearly understood me but their hands were procedurally tied to provide me with a swift resolve.   I have been a long-time Macy's customer. They were my go to spot for good designer purses among other items.  However, this one incident along with basic lack of providing customer service is very saddening to me.  I expected a bit more in compensation due to the unusual amount of hurdles I went through to get to this point.I mark this complaint as resolved only that I want to move on from this incident.
Regards,
**

June 7, 2017  [redacted]
[redacted]  [redacted] Re:  Revdex.com Complaint ID #[redacted]        Macy’s account ending in 0[redacted] Dear [redacted]: I am in receipt of your complaint filed with the Better...

Business Bureau, which was forwarded to Macy's Executive Office.  As a representative of this office, I was asked to review and respond to your concerns on behalf of Department Stores National Bank (DSNB).  We sincerely regret any frustration you may have experienced while attempting to resolve this matter.  The terms of the DSNB Credit Card Agreement state if you have been paying less than the New Balance on your 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.  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 result in a statement with interest only.  You can avoid being charged interest by paying your New Balance in full every month by your payment due date.  My review found that all fees were properly charged. Applying this billing policy to your account, the $2.00 interest charge on your May 17, 2017, statement was for interest charged on your account balance between the last bill date of April 16, 2017, and the date (May 5, 2017) that your $152.84 payment was applied to your account.  Our records indicate that when you called on June 1, 2017, we removed the $2.00 interest charge as a courtesy, resulting in a zero ($0.00) balance on the account.  Thank you for bringing this matter to our attention and giving me the opportunity to respond.  I am sorry to hear that this matter led to you closing your account and hope that you will reconsider shopping at Macy’s.  If I may be of additional assistance, please contact me at the number listed below. Sincerely,Janice D.Macy's Executive Office###-###-#### Extension [redacted] cc:  [redacted], Revdex.com

Revdex.com:
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]

April 29, 2016[redacted]
[redacted] 
[redacted]Re:  Revdex.com complaint ID #[redacted]         Macy's account ending [redacted] Dear [redacted]:  We are in receipt of your additional comments regarding your complaint forwarded to us by the Revdex.com.  As a liaison in Macy's Executive Office, I was asked to review and respond to your continued concerns on behalf of Department Stores National Bank.  Please accept my apology for any concern this situation may have caused.  My review of your account confirmed that the payment in question of $818.87 was not made by you.  The payment was applied to your account in error on October 31, 2015.  The mistake was discovered and the payment was reversed on December 30, 2015.  My research also found that during a conversation with a manager in our credit offices on January 18, 2016, you verified you were aware the payment was not made by you.  Moreover, we have removed the dispute from the $881.87 amount on your account.  If you are able to provide documentation that you did make the payment, please call me and I will investigate further.  [redacted], while we would like to respond positively to all of our customers, at times it’s not feasible.  If you need assistance on another matter in the future, feel free to contact me at the telephone number listed below.  Sincerely,Michael J. Macy's Executive Office ###-###-#### Extension [redacted]cc: [redacted], Revdex.com