The complaint has been investigated and
resolved to the customer's satisfactionResolved Macy's Credit Card — macy's ruined my credit score
resolved to the customer's satisfaction
Macy’s Credit Card is the worst along with their customer service. Macy’s incompetent system ruined my excellent credit score because of their error. At the time that they reported “serious delinquency” on my credit, actually Macy’s owed me some money! I called their customer service and they just wanted and harassed me to send more money immediately on phone and charging me another $15.00 as transaction fee! The third time I talked to a customer service representative, she could find the error and corrected my account and promised that the debit amount in account will be sent to me promptly. Meanwhile Macy’s Collection Department sent me a letter threatening me to send my delinquency to the credit bureaus. I sent a memo via registered mail to the Macy’s collection Dept. together with the copy of my payments via Bank of America and demanded them reverse the inappropriate charges and interests and also inform the three credit bureaus in case they have inappropriately have taken any action against my credit. This is something provisioned in the law that they have to reverse erroneous reports themselves.
Not only Macy’s has failed to reverse the erroneous report and has damaged my credit score (from around 800 to 678), I have not been reimbursed for Macy’s owe me even at the time they have sent this erroneous report to the credit bureaus. I have saved Macy’s recent statement reversing all the charges and the interests, but they have failed reversing their delinquency report to the three credit bureaus. As if in Macy’s the right hand does not know what the left hand is doing. I will close my account with Macy’s as soon as I get this issue resolved and get reimbursed for what I have over paid them.
If you are or know a lawyer or class action suite against Macy’s, please contact me to provide you with the documents. My loan application to borrow money to buy home was rejected because of the low scores resulted from this erroneous report of Macy’s to the
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