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Macy's / deceptive billing practices

1 San Jose, CA, United States

I have a Macy's Visa Credit Card. I have a bill payment through my bank. I began to receive bills from Macy's, which I paid through my bank. I receive e-statements only. When I would attempt to pay the amount that Macy's was billing through my bank on the Visa Card, the message was "amount exceeds amount owed" - because I had a zero balance. Then Macy's began adding late charges (even though I was making a $5.00 minimum payment). Finally, I called Macy's and was told that the charge was on a revolving account within the Macy's store itself. I was unaware that there were two separate accounts. I paid the charges, including late fees. However, I was frustrated when I tried to point out that I was unaware of the second account. This is deceptive. My credit score went from 813 to 763. I want this expunged from my credit history, but so far, Macy's is unwilling to work with me.


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