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Business Profile

Department Stores

Macy's

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Department Stores.

Complaints

This profile includes complaints for Macy's's headquarters and its corporate-owned locations. To view all corporate locations, see

Find a Location

Macy's has 441 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

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    • Macy's

      9111 Duke Blvd. Mason, OH 45040-8999

    • Macy's

      5000 Florence Mall Florence, KY 41042

    • Macy's

      2700 Miamisburg Centerville Rd Centerville, OH 45459

    • Macy's

      7500 Beechmont Ave Cincinnati, OH 45255

    • Macy's

      2719 Edmondson Road Rookwood Commons Cincinnati, OH 45209

    Customer Complaints Summary

    • 5,225 total complaints in the last 3 years.
    • 1,467 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:11/04/2022

      Type:Delivery Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Ordered items from Macys and was never received. I requested assistance and Macys said they would issue a credit. Credit was never issued

      Business Response

      Date: 11/09/2022

      Dear *** *****,


      We are in receipt of Better Business Bureau Complaint ID ********.
      We have contacted *** ***** and have resolved all matters as expressed in the
      complaint.  Based on this, we consider
      the matter closed.  Thank you.

       

      Sincerely,

      Deborah D*****
      Liaison, Omnichannel Executive Office | Macy's, Inc. | Macy's,
      Inc.
      9111 Duke Blvd | Mason, OH 45040
      Office: ###-###-####

    • Initial Complaint

      Date:11/04/2022

      Type:Product Issues
      Status:
      ResolvedMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Sales check # ******** On 09/09/22, I went into Macy's store and purchased two queen mattresses and one box spring using my debit card; delivery was scheduled for 09/21/22. When the delivery people came, they were unable to get the box spring into my basement, so they said they would return the box spring and contact customer service to get my refund started. I contacted customer service on 09/22/22 to confirm the box spring was returned and that my refund would be initiated. I was told on the 22nd that the refund was issued and I would see it in 7-10 back to my debit card. On 10/7/22, I contacted Macy's because I did not receive the credit back to my debit card. I was told that they issued my refund in the form of a check, even though I paid using my debit card. I asked why my refund wasn't issued back using the same form of payment and was told they put the request in to have the funds credited back to my debit account. I was told again I had to wait 7-10 business days for the refund to show up. 10/21/22 nothing in my account, called again and was told by another rep that they reissued the refund and, that it would be credited to my account in 7-10 business days, that by 11/4/22, I would have my refund. Well, today is 11/4/22, and nothing has been credited to my account. I have spent countless times on the phone, on hold, having promises made to give me what is rightfully mine, and still nothing. I will never purchase anything from Macy's if this is how they treat their customers.

      Business Response

      Date: 11/09/2022

      We
      are in receipt of claim ID ******** concerning the consumer's box spring
      return.  We have verified the refund for
      the box spring totaling $163.51 posted to the consumer's account on 11/8.

      Thank
      you,

      Macy's Executive Office 

      Customer Answer

      Date: 11/10/2022

      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, reasons for rejection are included below.

      I have not received my refund back to my **** debit card ending in #**** as of 11/10/22, please advise when the credit will be submitted to the bank for refund.


      Regards,



      ***** *****

      Business Response

      Date: 11/14/2022

      We
      are in receipt of the rebuttal for claim ID ********.  The refund was credited to the **** account
      used for the purchase.  The account ends
      in ****.

      Thanks, 

      Macy's Executive Office

      Customer Answer

      Date: 11/15/2022

      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 



      Regards,



      ***** *****
    • Initial Complaint

      Date:11/04/2022

      Type:Service or Repair Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      This concerns my **** Macys ******** ******* account which has repeated problems. The account is 37748156476****. I have been dumped on hold repeatedly and left there. I feel they should send me an **** gift card to apologize for all these mistakes. At issue is a promotional no interest offer for the purchase of a sofa. When I was transferred onto a new account it did not follow. **** reps insisted I did not owe it but could not provide a statement or letter showing payment. I sent a certified letter to protect myself. The promotional balance appeared on the next statement. now I get the next statement and it has disappeared again. It appears someone moved it into the revolving balance and charged me interest. i am seeking a refund of the interest and that the promotional balance be reinstated and confirmation. In all thi splaying round in my account no one has sent any letters let me know what is going on.

      Business Response

      Date: 11/03/2022

       

      Please accept this
      notice that we are investigating the customer’s concerns. We will respond
      directly to the customer, if applicable, via phone, email, or mail within 15
      days.

      Business Response

      Date: 11/21/2022

      November 21, 2022


      ****** *****
      [email protected]

      RE: Macy’s ******** ******* account ending in ****
      Better Business Bureau complaint # ********

      Dear ****** *****:

      We are in receipt of your complaint filed with the Better Business Bureau, which was forwarded to Macy’s
      Executive Office. As a liaison in this office, I was asked to review and respond to your concerns on behalf
      of ****bank, N.A.(****).

      We were disappointed to read that you were not satisfied with the service you received when contacting
      Customer Service. As Customer Service is crucial to the success of our business, it is always a concern
      when one customer is not satisfied with the level of service we provided. Please be assured your comments
      and suggestions are important to us and we are constantly evaluating our operations. It appears that we fell
      short of our goal to provide you excellent Customer Service and we thank you for bringing this matter to
      our attention. I have forwarded your concerns to the appropriate parties so that they may address this matter
      directly.

      We sincerely apologize you have had trouble with your Macy’s ******** ******* 12-month Special Event
      promotion. Our review of your account found on May 28, 2022, a sofa purchase in the amount of $806.56
      was placed. The sofa purchase was billed to a 12-month Special Event promotion and needs to be paid in
      full by June 10, 2023, to avoid deferred interest charges. A credit of $52.12 was applied on July 14, 2022,
      and a credit adjustment of $806.56 was posted on the account on September 8, 2022, resulting in a
      promotion balance of zero ($0.00) due to the account being reported lost/stolen. We confirmed no interest
      was charged on the account for this promotion.

      We found you had a protected balance on your account. A protected balance occurs on an account when
      there is a balance on the account and the Annual Percentage Rate (APR) is changed due to changes to the
      Terms and Conditions of our Credit Card Agreement. We transferred your entire protective balance to a
      promotion to avoid incurring interest charges. Monthly payments can be submitted to pay the balance in
      full by December 10, 2023, with no interest. Your next statement will show a protected balance of $895.40
      in the Activity and Promotions Detail section. If the APR is increased due to a change in terms, only new
      transactions will be subject to the new interest rate. Transactions purchased before the effective date of the
      new APR become “Protected” and will be displayed on your billing statement in the Accounts and
      Promotions Details section under Regular. Protected balances have a lower APR than Regular balances.

      As a courtesy, we have added a $20.00 reward card to your loyalty account. We unfortunately do not send
      out ******** ******* gift cards. You can use this reward at any Macy’s store or online at macys.com.

      Please know this reward card will expire on December 14, 2022. We understand you are requesting
      additional compensation, however, **** has addressed this matter and does not provide compensation in
      these types of situations.

      Thank you for bringing this matter to our attention and giving me the opportunity to respond. If I may be
      of additional assistance, please do not hesitate to contact me at the phone number listed below.

      Sincerely,


      Phylishia W*******
      Macy's Executive Office
      ###-###-####
      ###-###-####

      cc: Better Business Bureau

    • Initial Complaint

      Date:11/03/2022

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Attached online transcript & subsequent emails sent to Macy’s to resolve. I have received no contact from Macy’s to resolve. One of the products was a “previously used” product which I’m sure is not legal to ship to a consumer.

      Business Response

      Date: 11/21/2022

      We are in receipt of BBB Complaint # ********. We have
      addressed all matters as expressed in the complaint and updated the customer
      with the resolution. Based on this, we consider the matter closed
      satisfactorily. Thank you.
    • Initial Complaint

      Date:11/03/2022

      Type:Delivery Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      On 10/30/2022 I purchased two items that were not placed into the bag, but I was charged for them. They were relatively small, but my mom was very excited to have them. Upon realizing they were not packaged by the cashier, she was upset. I figured we would call the store and resolve this.

      Upon calling the store at all available phone lines over a 48-hour time span, I was informed via the automatic system that all lines were busy, and all mailboxes were full. Upon calling Macy's corporate today, I was told no refund could be issued, nor could the items be shipped to me. I provided the receipt number, the item number, the Macy's information, and they insisted they could not help with this matter unless I called the store. As I previously mentioned, the store is unable to be reached. I live one hour away from the store and do not have the luxury of driving to them to resolve the issue.

      I find this treatment completely unacceptable and would like the items delivered to my home, or at the very least, refunded (although I cannot get a refund for the amount of time and energy spent just trying to get two, small items from this fraudulent store).

      The items are the first two listed in the attached receipt.

      Business Response

      Date: 11/09/2022


      Dear *** *****,

      We are in receipt of BBB complaint #******** for **** ********* *********. After numerous attempts by phone and email, we have not had any contact with the customer. We are more than happy to assist the customer should she contact us back, but until such time, we consider this matter closed. Thank you. 
    • Initial Complaint

      Date:11/03/2022

      Type:Service or Repair Issues
      Status:
      ResolvedMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      MACY’s WORRYNOMORE warranty is a SCAM!! I purchased $319 WORRNOMORE 7-year warranty from Macy’s for a set of outdoor furniture I bought from Macy’s on 7/31/2013At that time , the sale consultant , Maxine M, told me that if I didn’t file any claim, I can get all $319 back from WORRYNOMORE.

      I called WORRYNOMORE in 2019 for a refund. They customer service told me that I had to wait till 7 years from the purchase date to get the refund which I understand. Then, I called them and file an applications for refund online on 8/24/2022. I didn’t get any reply even after a few follow-up emails.

      I called WORRYNOMORE today and they told me that I didn’t file the request within 90 days. First, No one ever told me that I had to do that. Secondly, it wasn’t even mentioned on the WORRYNOMORE brochure that I got from Macy’s. I’m they told me that the 90 days filing restriction could be found online.

      I feel like this is a scam. I’m sure a lot of customers didn’t get the refund that they deserved.

      I am requesting my money $319 back. Thank you!!

      Business Response

      Date: 11/04/2022

      Dear **** *****,
      We are in receipt of complaint ID * ******** filed by customer, ****** ****. The
      customer had not received the refund from her warranty service. We contacted the
      customer to advise we authorized the refund from Macy's to be sent via a mailed checked. At this time, Macy's will consider this matter
      closed.
      Thank You,
      Sincerely,
      Macy's Executive Office

      Customer Answer

      Date: 11/07/2022

      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ** ********, and find that this resolution is satisfactory to me. 



      Regards,



      ****** ****
    • Initial Complaint

      Date:11/03/2022

      Type:Product Issues
      Status:
      ResolvedMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      In 2020, buy a mattress at Macys and pay more than $800 plus a 10-year warranty. because it was sinking they changed my mattress but it still has the same problem. I have moved to the state of Va. They have not wanted to send it to be inspected or refund my money. I am desperate. I work for ***** ground and my back hurts. It is not fair.

      Business Response

      Date: 11/07/2022

      I am in receipt of complaint number ******** and have spoken to the customer. Macy's has offered to refund the cost of the mattress and warranty and has submitted the request for a refund check which will be mailed to customer in ten to fourteen business days. The customer has accepted the offer and Macy's considers the matter resolved.

      Customer Answer

      Date: 11/07/2022

      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 



      Regards,



      ****** ****
    • Initial Complaint

      Date:11/02/2022

      Type:Product Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      06/14/2021
      $5018
      so i return the ring in august they confirmed that they receive the ring then after a month i called back to inquire about the refund.... and i was told that they will be sending the ring back because it out of the return policy mind you Bloomingdales provided me the shipping label for the return..... According to Bloomingdale's the ring was return to me.... However i never received at first they told me that the ring was return on 09/13/2022 come to find out that the package was lost by ups.... when i called them back i was told that i was on my own and Bloomingdale's is not responsible for the stolen ring... i also have audio recording just they are needed

      Business Response

      Date: 11/16/2022

      Dear *** *****,

      We are in receipt of BBB complaint number 18351782. After reviewing the information provided, we have decided to deny the refund and have advised the customer of this information. Based on this we are considering this matter closed. Thank you.

      Regards,

      Theresa
      S******
      Liaison,
      Omnichannel Executive Office | Macy's, Inc.
      9111 DUKE
      BLVD | MASON, OH 45040
      Office:
      ###-###-#### Fax: ###-###-####

      Customer Answer

      Date: 11/16/2022

      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, reasons for rejection are included below.


      Regards,



      ******* ************

       

      Good morning, 

      Bloomingdale's  is defrauding his customer, how   Bloomingdale  is going  to give me a return label  to return a ring that I purchased  from them , I return the ring  and I was sent an email confirming  with me that they  will be refunding  me the money... I had to call them because it took more than 30 days to find out that they will be sending  me the ring back  after I called  them.... I spoke to bloomingdales  representative  on  many occasions  and all of them gave  me conflicting answered  and I  have many recordings  of the conversation  with them...Bloomingdales... I was deceived  so many time by bloomingdales  associates  and at this point  I will  be taking this matter to court  and I know I will be getting  a favorable  decision  and I will not be signing  an NDA with bloomingdales ... At this point  bloomingdales  has two options  return  the ring back to me or refund  me the money...

      Business Response

      Date: 11/22/2022

      Dear *** *****,

      We are in receipt of BBB complaint number ********. After further review of the information, I have processed the refund and advised the customer of this along with additional information. Based on this we are considering this matter closed. Thank you.

      Regards,

      Theresa S******
      Liaison, Omnichannel Executive Office | Macy's, Inc.
      9111 DUKE BLVD | MASON, OH 45040

    • Initial Complaint

      Date:11/02/2022

      Type:Product Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      My fiancé purchased a gift for me a pair of ***** * ******* crystal sneakers for my birthday. I returned them to Bloomingdales the following day, because I assumed that's were he purchased them from, simply because I showed him them on the their website, not knowing that he purchased them from the actual ***** *** *******, the day before. Not only did Bloomingdales take my sneakers, they discounted them by $175 dollars, nor did they refund back, when the actual sneakers cost $1295.00 at both ***** * ******* and Bloomingdales. I have called numerous times about and I keep getting told different stories by their reps. They not only stole a pair of sneakers from me, but then they insulated me by reducing the price, and constantly lying about the sending me a merchant credit. Here it is I am out of a pair of $1295 and a gift from a fraudulent company, due to an error on my part. If they were not going to refund me or allow me to exchange for a different size, they should have not taken my sneakers. I want my sneakers back before I hire an attorney and sue them for being thieves! This is not how you treat costumers. I have never seen such criminal activity from a store. I have attached my fiancés actual bank transaction and the receipt I received from Bloomingdales. You can't just take people stuff like that. Not only that, you stole $175 from the actual cost of the shoe. He only purchased them the day before. Such crooks!!!!!!!! I would never buy anything from this store again. I will be posting this online for everyone to see how you treat hard working African Americans.

      Business Response

      Date: 11/08/2022

      Dear *** *****,

      We are in receipt of BBB complaint #******** for **** ***** ******. We have spoken to the referenced customer and have resolved all matters as expressed in the complaint. Based on this, we consider this matter closed satisfactorily. Thank you.

      Customer Answer

      Date: 11/11/2022

      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint and is not considered closed until refund has been made by the vendor.  The vendor advised me it would 7-10 days to reflect payment in my fiancé's bank, but I have been told this various times in the past by many reps, and I would like for this to remain open until the actual refund is complete. 

       



      ***** ******

      Business Response

      Date: 11/17/2022

      Dear **** *****,

      We are in receipt of the rebuttal for BBB complaint# ******** for **** ***** ******. At this time, we have worked with **** ****** and her fiancé to process the requested credit and it is currently being processed by her bank. We have advised **** ****** that this process can take 10-14 business days to complete. Should **** ****** have any further issues with this matter, i have provided my direct contact information to her so that i can resolve the matter. At this time, we consider this matter resolved satisfactorily. Thank you.
    • Initial Complaint

      Date:11/02/2022

      Type:Product Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have returned everything I bought from Macy’s website. And even with my returns. They never credited my Macy’s card with the returns. Instead they charged me more than what my bill really should be. I believe it was unnecessary charges to my card without any communication from the company or the bank that handles the cards. When I attempted to contact them they didn’t intend to help me. All Macy’s did was continue to send me messages about my balance. When I had paid my balance they took my money and my balance never went down. It seems like fraud activity with my account from them and the bank that owns the cards. I believe it is **** ****. What is bad is I asked if they can come up with a payment plan since I’m not able to pay the bill all at once. Like 10-20 dollars a month. I don’t have any money and can’t work at the moment because of health issues. I’m recovering from major ileostomy surgery and live with my parents who are on a fixed income. Instead of trying to help or offer assistance they continued to ignore me. Threaten me with messages of bills and it’s a disgrace. I need help and this company is plain evil. They won’t answer or work with me they are corrupt and need to stop harassing me as it’s causing stress which is bad for my condition. I want help with this from the BBB as me alone isn’t working. My email for my account is *************************

      Business Response

      Date: 11/18/2022

      November 18, 2022

      ******* ********
      ***** ** ****** ****
      ******** ** *****

      RE: Macy’s Store Account ending in ****
      Better Business Bureau complaint ID #********

      Dear ******* ********:

      I am in receipt of your complaint filed with the Better Business Bureau (BBB) which was forwarded to Macy’s Executive
      Office. As a liaison in the Executive Office, I was asked to review and respond to your concerns on behalf of ********,
      N.A. (****). We understand the hardships caused by these economic times, and we are very sorry to learn of the problems
      you are experiencing.

      I sincerely regret any frustration or concerns you continue to have regarding the above referenced above-referenced Macy’s
      account. Based on our review of your account and the previous response letter dated April 27, 2022, and August 29, 2022,
      we feel we have clearly addressed your concerns as it relates to this matter, therefore our position remains unchanged. We
      are unable to change the information submitted to the major credit-reporting agencies, as it accurately reflects your payment
      history.

      On April 25, 2022, we mailed copies of the monthly billing statements beginning December 2021, to the address listed on
      your account. In both response letters we informed you that the account had been reviewed and the balance was correct.
      We also asked that once you review the monthly billing statements, and should you find any discrepancies, provide us with
      additional documentation/information substantiating your claims so that we could identify any suspicious transactions or
      merchandise which you returned but did not receive the credit for, and once received, additional research would be
      completed. We have no record of having received a response and/or documentation supporting your claims.

      ********, N.A. complies with Federal and State laws in our collection practices. Please be assured that the Bank does not
      participate in dishonest or deceptive business practices. We have policies and procedures in place to ensure that we are in
      compliance with applicable laws. It is never our intention to threaten or harass our customers as you state in your most
      recent complaint. Our calls are intended as a courtesy to remind customers of a recently missed payment and are also an
      opportunity to assist our customers with maintaining a good payment and credit history with us.

      In accordance with the Credit Card Agreement, late fees and interest were charged to the account each month a payment
      was due, but not received. By using your account, you consented to the terms of the **** Credit Card Agreement, which
      governs the use of this credit account.

      It is not ****** policy to remove any delinquency from your credit report, unless it occurred as a result of a billing dispute
      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. Therefore, we are unable to accommodate your request to remove the delinquency from your
      credit bureau report.

      ********, N.A. strives to assist our customers by offering hardship plans in certain situations that could lower your interest
      rate and set up reduced monthly payments when an account is closed to further purchases. We encourage you to contact
      our Client Focus Team at ###-###-#### to discuss possible options available to you.

      Although we are unable to accommodate your request to remove the delinquency from your credit report, we instructed the
      credit reporting agencies to update their records and report the Macy’s account as “customer disputes reporting.” Should
      you wish to have the “customer disputes reporting” note removed from your credit profile, it will be necessary for you to
      contact us at the address listed above.

      As of the date of this letter, your account has a balance of $1,684.47 with a minimum payment of $583.99 due by November
      26, 2022. This includes a past due amount of $488.00.

      Thank you for bringing this matter to our attention and giving us the opportunity to respond. If I may be of further assistance,
      please do not hesitate to contact me at the telephone number listed below.

      Sincerely,

      Nadine R*******
      Macy's Executive Office
      Toll free: ###-###-####
      Direct line: ###-###-####

      cc: Better Business Bureau

      Customer Answer

      Date: 11/21/2022

      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, reasons for rejection are included below.


      They aren’t fixing the issue by offering a payment plan when that was the reason for the complaint. And there is higher interest charges which isn’t correct either when everything had been returned. 
      They told me to call a number that may or may not be able to help me. What kind of help is that? This company only cares about profits and not about people. They don’t wish to work with me on a payment plan. 

      Regards,



      ******* ********

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