Macy's review: credit card fraud 109

I just saw my revolving account again it is wrtten $250.00.which I already paid off.
they told me that I'll see the Zoro balance on that account. I can't understand what kind of math they are using. It's scary.
this is not the first time story. it's better be aware of Macy's coupon, and using the star rewards card.

That _Guy,
I would love to pay my bill on the same date but the date is not the same on my card and I have had the card for three months and its closed now.

Seriously? You're late every month because they don't mail you a statement on time? Wouldn't you have learned after the first month that the due date is the same day every single month? Whether they send it or not, you're obviously "tech savvy" to come on here and complain that you always pay your bill late because you don't own a calender, why don't you use that time to log onto their credit service website and view your statement?

Very month I late fee is added to my Macys AmEx card – WHY? Because I do not receive my statement therefore it is late and I have a late fee to pay and my credit history goes down the drain. My fico score is 780 so it is not like I pay my bills late to all my vendors and I am in the Finance/Accounting field. I am pissed and wish that either AmEx will do something about this or Macys will find another company to do the credit card solutions.
By the way, I spoke to Kurt in India, and it took him 12 minutes to verify my information (I read my cc number to him four times), Jeff – his supervisor was no help either and I waited for Douglas for 10 minutes because he was on another call with other upset customers. Overall, time wasted on this call 35 minutes, lost customer to Macys one! Happy husband One! Bank savings for a year in THOUSANDS!

I used to work at Rob May and Macys right after high school so i had their credit card accounts. i purchased two sets of furniture in 08' on each of the cards, therefore, i only had two accounts. i became late on a payment during the credit 'crisis' that his america in 09' and both accounts got closed, showing as four account sent to collection on my credit report! their billing system was ancient when you would pay in store and worked conditionally if the associate you made the payment through paid enough attention to use the register properly to pay the accounts. four credit accounts severely hurt my credit score, so before the obama credit regulations took effect, many of my other accounts closed as well because i was considered a risk.

shoot foward to today, it turns out i was right . . . i was only supposed to have two accounts show (at most) not four. thank you macys for ruining my credit.

fyi, do not open the account. it is not worth the ding on your report for a check. their coupons suck because they're soo restrictive. if you want to save shop at marshals or ross where there overstock ends up anyways.

I love reading these. Thank you all so much for your warnings. Now I know that when I purchase something with a Macy's card, they actually expect me to pay them back within the time frame the tell me to. (those scoundrels)
And that if I open a card just to save 10% on my $50 purchase that I should have to be responsible for telling the cashier how I want to pay for my purchase (even though the application clearly states the 10% savings only applies if I use my new card. I'm special enough that I should be the exception)
And not only that, but if I cancel my Macy's card early, they're going to charge me the early termination fees, just like they said they would on the contract that I signed when I applied for the card? ([censor])

Seriously, can you people stop being idiots and read something before signing it? The world will thank you.

I purchased $600 worth of merchandise on their credit card. I was on vacation the following month and missed paying their bill by a week. I sent the entire payment in immediately upon return only to find an additional $57.00 on my next statement for penalties and late fees, although the entire balance had been paid and logged within 60 days. (The payment should have been logged within 45 days. They held my check for an additional time period).

I contacted Macy's after receiving the next month statement and told them I would be happy to pay an additional $25 in fees plus interest for being two weeks late in paying my balance. This was unacceptable to them, even after holding credit with them for over 20 years. I told them not to expect payment and requested that they close any accounts on record immediately.

They continued to send me statements and add at least $50 per month in fees onto the existing late fees until the balance reached approximately $170.00 on the original $600 purchase that was paid within 60 days.

I have recently found that Macy's did indeed give me a black mark on my credit report and claimed that they closed my accounts at THEIR request. Following around four months, I got tired of hearing from them, agreed to pay $89.00 additional dollars to close the complaint. I CONTINUED receiving bills and calls even after settling the debt. I finally wrote an additional letter six months later and told them I would not pay any further charges under any circumstances.

After requesting that Experian investigate, they did change my credit report to reflect that the debt was settled legally, but that they were required to send it to collections.

People...the entire back due bill was penalties! Not a single penny was for the original merchandise. These folks are crooks.

Report them to your attorney general. That's next on my list, after the FTC.

I am not a big fan of Macys but when I recently bought a sale item, I opened a Macys card because I got an extra percentage off. I paid the bill promptly and did not have any trouble. I very rarely use the card. For the person who was charged for someone elses purchase : You are not responsible for this purchase. Please contact the attorney general and report this. You should get a refund for this mistake that was Macys fault. Don't let them get you!

SUE MACY'S! for their unfair practice. The customers are the victims here.

I miss a payment by one day and I get 4 to 5 phone calls a day from their call center listed on the caller ID in Mason, OH. Then, I got a letter a few weeks ago after paying on time for the past 4 months that they cancelled my card. I had good credit until I was diagnosed in 3/08 with Stage IIIA Breast Cancer which is now Stage IV. I have been late by a few days each month due to Chemo, treatments, etc. There is no mercy. They yell at me every month I am a day late with a payment. And yes, they do not discuss the issues and try to work with me. The people at their organization YELL at me every month I am late.

Let me know if someone decides to do a class action lawsuit. I am in. It is my opinion that this is not collection of a past due balance but harrassment. All of my other credit cards do not do this to me. And, some of those credit card companies have had the right to yell. I would be a few weeks late due to being in the hospital, etc, etc. They do not call and if they do they really try to help. A lot different than Macys.

And what makes me truly laugh about this situation...all the crap from corporate telling us about how they support breast cancer patients. Yep, they do that. They try to put us into an early grave. Thanks Macys and I think that I will pay cash at either Best Buy, Steinmart, etc, etc when I buy something.

Just got an FDCPA violation over the phone. Section 805(b) of the FDCPA states that details of a debt cannot be discussed with ANY third party without prior consent unless they are "[the] consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector."

William Castillas just called from an Ohio number [protected] and conveyed to me my wife's entire debt on her card that she has been making payments on. Initially he stated it was a business matter, however when he asked who I was, I responded that I was her husband; he stated, "oh really?" and proceeded to state the entire debt. She got the card before we were married; I was never added onto the card as a cosigner or as having authorization (she's a grown woman). After pointing out to him that he violated the FDCPA (I'm in the collections business myself and know it quite well), he stated that it was not a violation, that I had been listed as her husband on her account. I'm well aware that she has not; beyond the point, I'm not an appropriate party to discuss it with since I'm not a cosigner or otherwise on the account.

I'm going to be complaining to Macy's credit collection department as well as the Federal Trade Commission... it's already a hard enough job for the honest type that've actually paid attention to the guidelines, and having someone like this collecting debts is not appropriate.

macy's ask all customer if this purchase will be on their macy's card, if the customer says no then the associate will ask if they would like to open and account to save a percentage off at the registar and then on again when the customer receives their first purchase, the swiping of your credit card or debit card is for verification purposes only, not to charge it to the customers BANK card. once you say yes, swipe your credit card and then sign for the information that is being verified you automatically apply for a credit card, a shopping pass is printed and the customer is a new card holder.

False Claims – Credit Dunning for not our account
MCCS - Macy's Credit and Customer Service
Macy's & Bloomingdales [credit accounts factored to Citicard] - They fail to take appropriate actions in verifying credit card application data so that you can have them call you claiming that you owe them - Macy's, Bloomingdale's - money on a card which may be in $1000s but it is not your card - just your phone number for an account that was opened in a totally different state from your number/home - They are terrible - absolute failure to verify data! ABYSMAL -
Call from New Delhi Indian Call Center
[protected]
Mccs - MACYS India New Delhi Joe Berg re wrong acct
Associate 295257 HCL Technologies 800-545-1256x56700
MCCS POB 8118 Mason OH 45040
EXECUTIVE OFFICE: Follow-up Lisa Durbin [protected] x32634
MCCS POB 8220 Mason OH 45040
CALL HERE TO COMPLAIN!

I have received numerous calls over the past months all calling to dun my wife on large outstanding amounts on either her Macy's or Bloomingdale's cards. Yet, the address of record for the cards MCCS is calling about is in Rhode Island and our telephone number clearly is not. In each case, since my wife has a Bloomingdale's or Macy's account, not the one in question, we have wasted nearly hours with Indian and Filipino call center employees attempting to explain that we are not who they want. Every time they have claimed they will remove our number from their data base but we keep getting calls.

I work for macy's in a call center and to be honest you people are cry babies and whiners. You were enticed to save 15% by opening a macy's card by your greed and gullibility. If you pick up the little pamphlet at the register it tells you that you are considered for a visa first if not you will qualify for the store account. On the keyboard it asks to check off credit protection if you don't want the program. Also, on your terms and conditions sheet all customer get macy's tells you on line 17 that they can raise or lower your guideline without written notice, and we do monitor your payment history in the store and also your outside credit portfolio. Now, my experience has been that when we have lowered a guideline it is because someone has either not used their card in over two years, or their credit score is falling as a result of missing payments with other crediters. It is not a god given right to have a credit card. Also, just because we didn't send you a statement does not relieve of a balance due. Sure, a mistake but come on man! Also, the loan starts from the minite you walk out of the store so yes there are initial interest charges, but if you pay the full balance on time you are clear. peace

I used to work for Macy's. Everything there revolves around opening accounts. That is how they make alot of money. If you work for macys, whether you are a cashier, a manager or a store manager - your promotion and your pay depends on how many new accounts you are able to open, and that's where it gets ugly - people, who want to succeed in the company go to great lengths to make people open new accounts and it comes from the very top: managers pressure their employees - employees pressure the customers. Your promotion with Macy's mostly depends on your ability to open new accounts and pressuring the employees of your department. Throughout my history as a Macy's employee I've observed some pretty lazy and worthless workers being promoted and praised by the store and regional managers based on their "skills" of annoying the heck out of Macy's shoppers - this always seemed so comical to me... And there are also countless hard-working employees who choose to take care of customers rather than "bombard" and "beg" them to open an account (which is soooo annoying to any shopper, I mean, most people want to feel relaxed when shopping). Macy's is definitely shooting themselves in a leg with that one...There are not many cashiers that do that, but there are definitely some "driven" employees, who would try to open a Macy's Visa and a regular Macy's card without the customers knowledge of the second card because that way their personal record shows that they have opened 2 accounts instead of one...see, their personal sales record shows the quantity of new accounts, it doesn't matter that it came from one single customer...- the employee is REWARDED for messing with customers credit, and all managers and store managers know the process, however, they don't give a rats patooty because they will be praised from above according to the number of new accounts. But again - there are very few cashiers that do this without asking the customers permission. The fact that Macy's management just decides to look the other way is disturbing...There are some really good people that work at Macy's...And that is unfair to them and to the customers.

They got me too! I had an $800 limit in june of 09. I pay my bills on time and for some reason they cut my limit down to $200 in august without letting me know. I was late in october for the first time but because I misunderstood the online statement. Before I was never late on any of my other accounts but anyway I paid it one day late and paid it off. However, a couple of days ago when I was trying to do some Christmas shopping my card was declined. I was furious because I knew I had paid the card off and my account was in good standing. This is when I was told that my limit had been decreased from $800 to $200 to now $100without notice! I spoke with customer service and the rep told me that they have had many complaints about this but there was nothing she could do unless I wanted to apply for an increase. Definitely not! I will NEVER shop with Macy's as long as they operate this way.

I have been a customer with Macy's for a long time. They got me a few times with their "dual accounts', which earned me a black spot on my credit. But I didn't fight it, because I have a problem with organization and it's been getting worse. Recently they decided to lower my credit limit without telling me, of course. On Black Friday, of all days! I know the economy is bad and the banks are all rushing to get us all suckered into their higher interest rates, but this is ridiculous. They get a bailout and they turn around and put the screws to us, the ones who are paying for their mistakes. I'm just about through with credit cards, I think. My husband has been laid off for over a year and I had to rely on my cards to make ends meet. Thankfully, I still have my job, my home, and my family, along with a growing pile of bills. But I know that I am not alone. I don't know why I've been letting them bone me with their ridiculous APR anyway. Live and learn, I guess.

My most recent exsperiance at macys was just as the other posted have stated. I went to purchase an item in the cosmetic department. I was told by the cashier that I would save an extra 20% off if I were to have my fiance join my account. I questioned this as to why I had never heard of this promotion before, but I made it clear as long as I do not have to open a new account that would be fine. She told me that it was not another account, she would just add my fiance to my existing account. At the end of the transaction she told me we would be receiving our new joint cards in the mail. I again questioned the cashier since it seemed like she just opened me a new account, and she assured me that she did not.

About 10 minutes later I had this gut feeling she was lying to me since what she was teeling me didnt seem to add up. I spoke to a customer service representative (CSR) on the phone and he confirmed that she had indeed set me up with a new account. I couldn't close the newly opened account without paying the full balance so I asked him to transfer the balance to my existing account. He claimed he could not do such an action and that I would have to send a check before he could close the account. So I came up with my own solution by returning the items that were purchased on the new account and repurchasing them on the existing. The CSR then closed the account which I will most likely take a hit on my credit score for which I will now have to resolve.

Long Story short i was purposed a promotion that did not exist so an employee could boost her loyalty count which i'm sure they get bonused on.

okay first of all i completely disagree this macys credit protection is optional, they ask you at the service desk if you want the program, & even if they don't you should read ### before you sign it! duh! & this program has helped me actually paid off, my credit card.. and i had a balance of like 7thousand.. i totally disagree with these opinions.

I have had my for almost 5 years. I went to pay my bill and saw that my card had been maxed out. I was furious because I had been returning everything I could to get my revolving balance down. I have contacted the Macy's stores, fraud department, and Macys CEO. None of them care and told me that since I still had my card that there was no way to prove any fraud. How was i suposse to know i only pay my bill once a month. I wouldn't give up in contacting their fraud department so finally they got sick of me and told me not to contact them unless i get new information. Well how can i get new information when they haven't provided me any information. they said they don't have to check ID, they dont have video to check, and they sent me blank signature cards. Well thats not going to be the end because I am not lying and I can not afford to pay the 1600 that was not my doing. It did not follow my shopping patterns, but again MACYS DOESNT CARE. they said i am out of luck!

Does anyone know an affordable lawyer?
I do not think it is fair for macys to walk all over there customers and former employees?

I, too, am a victim of Macy's sending bills to my old address, receiving them back, and instead of running my credit report (which has my correct new address), they send it to collections, who never attempts to find my new address (a simple Google search shows 4 different ways to get in touch with me by the 2nd item that pops up), then proceeds to write it off as a "charge off". Original debt was $11, they charge off $32. Meanwhile, my Discover card drops my limit $6000, I run my credit report, and see the adverse account. I call the number of the collection agency, they acknowledge that Macy's received the bills back, so they will settle the matter for the original $11, which I had to pay by debit card over the phone. They inform me that Macy's will clear up the item on my credit report within 30 days, and send me a short letter stating the same. But lo and behold, here it is 40 days later, and Macy's not only has not cleared it up, they told the credit bureaus that it was a charge off. So they got paid AND wrote it off of their books. Funny, I have 30 open accounts, all in good standing, with never a late, but I made a conscious effort to screw Macy's out of $11! I will NEVER, EVER shop in their stores again! I had the account for more than a dozen years, and was never late! Dirty, rotten ### is about all I can think of to describe them!

I agree...I am paying my Mother's bills. Her MACY'S CARD is charging her a late fee late by one day. I pay off all cards at the end of the month. Macy's has called me seven times each day. I sent card cut in a million pieces and check for pay off. India people hard to work with. The sad thing there is no credit or service department in Macy's. I hope Macy's does go bankrupt. My Mother a customer for
fourty years deserves better. GF

I just received aMacy's bill statement showing the correct zero balance. More importantly, it showed an increased interest rate. The rate was increased to almost 23 pct. Needless to say I was pissed, even though I always pay in full.

In reading the fine print, on the statement, I ran across a section discussing the minimum interest amount of $2. Let's say I had had a balance owing going into the month of $1. Barring further purchases, the amount owing at the end of that month would be $3. Now is that userous or what?

I quickly filed the billing statement. I would have been so embarrassed to have a friend or relative see the almost 23 pct rate.

My AMEX card bears an interest rate less than 13 pct, my Discover card about the same, my HSBC Master card less than 9 pct. I should add that all 3 of these cards have cash back rewards.

I just dont see why folks even bother of carrying a Macy's card...realizing the way they are treated should they choose to carry a balance.

I cancelled the Macys card this am. Of course, I was asked why. When I told the foreign customer service rep about the intest rate hike, he had the audacity to say 'gee, that's only 1.8 pct per month. What a creep.

Hard to believe Macys would treat folks that way.

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I went to Macy's in July 2009, and bought some suits and neck ties. I was trying to pay cash. However, they

told me that if I make macy's card, then there is some discounts for me. I thought that's just a 'membership

card' because they never told me that it is a 'credit card'.

So, I made it and I paid full cash amount for my discounted total balance. After a month, I had a letter from

macy's that I have balance of $197.34 including $40 of late fee and financial fee. They used that Macy's credit

card without telling me any notice. I realized that I double paid for it. I went back to Macy's and

complained about it, but they never listened. I am just telling everyone need to be aware of

these kind of sneaky trap that Macy's trying to do.

Macy's team closed my credit account without my notice. I had to go thru lot of trouble when my card dint work suddenly.
Called the customer support, they surprised me that it was the system error and the account was closed as "declined to accept new terms"
Because of the kind of closure status, they cannot reopen the account. The customer support offered me $50 credit for the issue.
Talking to his manager they offered $100 credit. which i declined.

It is very silly and stupid that they do this to good customers and they harm they did to my credit is worth $100 according to them.
What to know if this happened to any one and whats the alternative ?

I would like to know why I am getting incesnant calls hourly from MCCS. This is not only bothersome, it's annoying and I am ready to file a class action lawsuit.

Went into Macy's today with what I *thought* was a $200 credit limit on my account. I had just paid the minimum amount due on the bill (on time), and knew my balance was only $70 or so, leaving me with aprox. $130 left to use on my card. I went to pay and was told that my card was declined! The associate called the call center (in India, of course!) and they told me I only had $32 available on my card, because my credit limit had been lowered to $100 because of something about 'outside credit issues'. I didn't bother to ask what that ment. The associate was sympathetic and told me that she has seen that happen to many customers lately. She applied another discount to my bill and lowered the total of my purchases to $48 but I wasn't in the mood to shop there anymore, so I thanked her and left.
My BIG complaints about Macy's credit cards:
1. It is next to impossible to find out your credit limit because they do not show it online, this is the only credit card I've ever had that this is true for.
2. They sent NO NOTIFICATION that they lowered my credit limit.

I will be paying off my balance ASAP and closing my account.

I agreed to sign up for a Macy's card at the register in order to receive a discount on my purchase. I had a Marshall Fields card that was working at Macy's since the takeover, but the sales clerk convinced me it would not work anymore. I was not told that my Marshall Field's account would remain open. Two accounts!

I paid the balance in full, but Macy's erred and applied the funds to the old Marshall Fields account. I didn't realize this until I received threatening phone calls from foreigners who claimed they were calling from Indiana. Hah! Eventually, Macy's reversed the charges and credited the correct account.

I will not shop at Macy's or use their card again. I like Nordstroms much better. No gimmicks. Just good service.

I've had this happen to me too! I closed my account immediately. They seem to be having major problems with the hard economic times, but taking it out on their loyal customers is just outragious. :(

BE SURE TO MONITOR YOUR STATEMENTS.

I opened an account over three years ago, and paid late one time during the month of March 2009. My interest rate was increased to 26.99% because of it, without notice. After paying a late fee, why was this action warranted. Needless to say, my account has been paid in full and the card destroyed. What a rip-off they are.

Its been an up hill battle for me as well. I have been trying to dispute a $50 charge on my account for over 5 months! I call and Macy's says they will send me a letter to verify I didnt make the charges but I havent received anything! I hate Macy's and refuse to buy anything there now because of this ordeal!

I had the same problem with Macy's. Like many before me I opened an account to recieve the 20% automatically whenever they had sales instead of having to worry about cutting the coupon out of the newspaper. Macy's automatically enrolled me in the protection program also. Not to mention they only gave me a $300 limit when I have been spending an average of $600 in there store for the past three years. I was ok with the limit though because I did not have any other credit cards. I had great credit until I got this card. It turns out that if you use more than 25% of your credit amount each month you lose points off your overall credit score. It doesn't matter whether or not you pay off the entire amount before you get the bill. Besides the fact that paying the bill is next to impossible when you do it online. It is odd how all my other bills seem to go through but I had to submit Macy's payment a few times before it would go through. When this happened the second time I called to cancel the card.

This is when I found out that my credit had been affected because they lowered my credit line to $200 dollars. The person on the phone told me it was because of outside credit issues so out of fear my identity had been stolen I got a copy of my credit report and discoved the only problem on there was due to the stupid Macy's card.

The worse thing about this whole process is the guy on the phone could barely speak english and then they felt as though if they offered me another coupon for 20% off I would keep the card! Of course I told them to cancel the card immediately. I will NEVER shop at Macy's again.

I have had my Macy's credit card for a couple of years. I have paid my account off once. I have always paid my bill on time. Recently I was making a purchase for back to school clothes and my card wad declined. I had the associate call credit and was told they wish to talk to me. I was informed that my credit limit was reduced drastically. I was told this was due to how I pay my bill which I pay on time and the minium amount required. Than they through in how my other cards are paid and they are paid on time and I have only two other cards. I was told they do not send letters letting you know of the change to your account. So I am in the same boat as some others I have read. I have a card I cannot use. I was very upset when I left the store and plan to never shop at Macy's again.

Macy's is the most ... I dont even think there is a word for them that is how bad they are. I kept paying at the store for months they kept applying it to the store side of the card not the visa so here I am on vacation and I get declined for a purchase. I call and find out of the mistake the girl transferrs it to the visa side. Ok everything is fine YEAH RIGHT...four months later I get a huge bill stating the girl made a mistake and transferred to much money and now they add on late payment charges! I called and spoke to so many unprofessional people non of whom ever helped me! Now this last month I pay on May 4 and my check doesnt clear. I call Macys and they tell me Oh your in good standing. We have the payment it just takes us time. So tonight I call them and the girl says Oh the check was returned due to the fact our system cant find your account so we added the payment to this months along with a LATE FEE CHARGE! Then I talk to a supervisor Mrs Wells and she says Oh we dont know why it was returned then 10 minutes later she said it was for insufficient funds...so I call my bank they never ever turned the check in! The freakin check is LOST so now they want me to pay a late fee..they can all go to hell. I have outstanding credit and I am so thankful my son came here and found all these complaints and now I have a phone number I will call in the morning and if that doesnt work I am calling the attorney general. This is worse then if I borrowed money from the MOB!

I am SO ANGRY I can scream! Macy's is a CROOKED THIEFS! I am going to write on as many blogs as possible because I was LIED into getting a card, I even have names and phone numbers of witnesses because I was so outraged at the counter. I told the lady if I have an account sure charge it but IT WAS CRITICAL SHE NOT OPEN A NEW ONE because I have a real estate transaction going through in 2 weeks. Guess what? After standing in line forever and then all of a sudden she says, "It's all okay go ahead and sign". I asked, so you mean you found my old account? "Oh, I did new." I specificall said NO NEW! The lady beside me gave me her name and number because she could see how upset I was. This was here on Barrett Parkway in Kennesaw, Georgia. So I got SCREWED into a card! Then I paid it off, went on an extended vacation in Hawaii, I paid all bills ahead of time. Then TODAY I went to use the piece of ### credit card and it was declined! Somehow I was charged FIVE DOLLARS for something! For WHAT? I had taken the time to verify a couple days after paying my bill and saw "balance ZERO". I am SO PISSED!

Anyone having any problems with collection, call collectionstoppers.com! [protected]. Awesome staff who is a huge help!

I also got screwed by Macy's. I was signed up to get both an online statement as well as a statement in the mail. I only use the online one if I was out of town. I began receiving a call from a number I did not recognize so I never answered it and no one ever left a message. I answered it one day and it was a Macy's agent telling me that they realize times were tough, but that I had not payed my Macy's bill and they wanted to help me figure out what I could do to pay it off. They went on about how this hadn't been reported to the credit bureau. I was extremely confused because I'm the type of person that pays my bills as soon as they come in. I told her that there must have been some mix up and that I would see what happened, and If the bill was not paid that I would pay it. She said the she would make a note of it so that they would not keep calling me. I investigated the matter and found out that they had never sent me the bill in the mail. They had only sent me an online statement. I paid the bill, including the fees and a little extra. Everything was fine till about a month later. After I had paid my bill, Macy's reported to one of the credit bureaus that I had missed the payment. Consequently, they also reduced my line of credit and increased my minimum payment to an outrageous amount. I have extremely good credit for my age and have never missed a payment until Macy's messed me over. It all seems really fishy to me. It's their scam to get you to pay more money on your account. As soon as I pay off my account, I am going to cancel it and never shop at Macy's again!

Macy's does not care about their customers - all they want is to get money. Don't get a Macy's card! If you're getting it for the savings, beware! The money you get frauded may be much more than what you save with that card!
My experience with Macy's credit card has been none other than horrible. I applied for the card in a store and didn't receive it for two whole months - it turned out that they had sent the card to a wrong address. The person to whom the card was mistakenly sent had used it to make a large purchase, and I was billed for it! When I called customer service they finally se…nt me a new card, but I was still made to pay for the purchase I didn't make! Their reason was "the purchase was made while no lost card report was filed" - but how can I report the loss of a card that I had never received? In the several times I called their customer service department, I got nothing else than delays and put-offs.
I'm shocked by the lack of protection that allowed the fraud to happen in the first place, and the ineptitude (or even the unwillingness to take the trouble) of the credit card department to correct their errors.

Macys seems to be doing this a lot to many people. They charged late fee over late fee even after I was reassured that I only had to pay my current balance. I was out of town for a few months and when I came back I saw a hefty late fee waiting for me. When I called, they said it wasnt their fault and and denied a reversal of the late fees. The representative was very professional, however when I asked to speak to supervisor, the supervisor was very rude and hung up on me when I questioned the logic behind charging the late fee.

I just noticed there is recurring charge about $16 every month. I called several times and they transferred me to [protected], an insurance company. I canceled my enrollment of their credit protection plan, which I never remember I enrolled. I asked them to send me a copy of the transcript of my enrollment, they let me write to their headquarter requesting it. The address is

National Union Fire Insurance Company
Department SD, P.O. Box 44260
Jacksonville, FL 32231