BBB Business Review

Text Sizesmall medium large

This business is not BBB accredited.


Find a Location

Phone: (513) 398-5221 Fax: (513) 573-2958 View Additional Phone Numbers 9111 Duke Blvd., Mason, OH 45040 View Additional Web Addresses

BBB Business Reviews may not be reproduced for sales or promotional purposes.


Macy's Credit & Customer Service provides customer service and credit services for stores owned by Macys, Inc., such as credit authorizations, new account development and processing, customer service and collections for FDS Bank. It also provides telemarketing, online, mail and phone order-processing services for Macy's retail department store divisions.  Any BBB complaints received with Macy's retail stores are handled by Macy's Credit & Customer Service and are included in this business review.

BBB Accreditation

This business is not BBB accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Based on BBB files, this business has a BBB Rating of No Rating. The reason is as follows:

  • The business is in the process of responding to previously closed complaints.

Industry Ratings Comparison | Chart

Customer Complaints Summary Read complaint details

3777 complaints closed with BBB in last 3 years | 1778 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 295
Billing/Collection Issues 1541
Delivery Issues 240
Guarantee/Warranty Issues 105
Problems with Product/Service 1596
Total Closed Complaints 3777

Additional Complaint Information

Macy's Credit & Customer Service is headquartered in Cincinnati, OH.  This report reflects national activity on Macy's.

Customer Reviews Summary Read customer reviews

68 Customer Reviews on Macy's
Customer Experience Total Customer Reviews
Positive Experience 1
Neutral Experience 0
Negative Experience 67
Total Customer Reviews 68

Additional Information

BBB file opened: January 01, 1928 Business started: 01/01/1989
Type of Entity


Business Management
Mr. Mike Gatio, President, MCCS
Contact Information
Principal: Mr. Mike Gatio, President, MCCS
Related Businesses
Macy's, Inc.
Business Category

Department Stores Internet Shopping Credit Cards & Plans General Merchandise - Retail

Alternate Business Names
Bloomingdales Macy's Credit & Customer Services, Inc. Macy's Credit Cards Macy's Goodyear Tire Service Macys Debt Protection Macys Department Store MCCS
Additional Information

A separate report on Macy's Inc. is available upon request.

Macy’s and Bloomingdale's use Department Store National Bank (DSNB) as their credit card administrator. DSNB is a subsidiary of Citibank.  A separate BBB Business Review for Citibank is available through the New York BBB. 

Industry Tips
Credit Card Companies Credit Card Fraud
Industry Ratings Comparison Chart X
Same Relative Size   All Businesses
The information in the chart below represents an industry ratings comparison of businesses which are of the same relative size or for all businesses (see toggle). This is based on BBB's database of businesses located in the Cincinnati Area, Southern Ohio, Northern Kentucky, Southeastern Indiana. Businesses may engage in more than one type of business.

BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.