• Report: #356980
Complaint Review:


  • Submitted: Tue, July 29, 2008
  • Updated: Sun, June 14, 2009

  • Reported By:sussex New Jersey
Internet U.S.A.

Macys ,Macys likes to stop sending staments to jack up late fee's when its already been paid in full macys.com Internet

*UPDATE Employee: if the paid in full payment is late, you get finance charges that leave a ballence

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I opened up a Macys account years ago. I made minimum payments every month which is dumb but finally realized that I was paying double for what I pruchased. I decided to pay the bill in full. Once I paid the bill in full I NEVER recieved a statment again.

NEVER assume that its paid in full just because they stop sending statments. 2 years later, still no statments and Im car shopping. The credit comapany told me I have an outstanding account at Macys. I call up Macys and they said I still have a balance. I told them I paid it in full 2 years ago and they stoped sending statments. Ironically, they couldnt go back into their system that far because they changed their software around that time. I asked, "dosent that raise a flag that the month I paid it in full you stopped sending statments". They told me my address which was correct and blamed it on my mailman. I said yeah right, my mailman sends me all my bill but Maceys. I asked if their new software caused this issue. They would not budge. I talked to managment and all they wanted was their money.

Sure enough what comes in the mail the next month. A $600 change of late fee's over 2 plus years. They wouldnt even reduce it and couldnt even see my payment history to see what happend. Makes you wonder why you dont need a degree to work at Macy's.

Just a tip: Never assume a bill is paid in full just because they stop sending statments. Always call them to make sure you have no balance. Have them send you a conformation of the payment. Do what you can to make sure of it. I will never shop there again and acually thought about pooping on their clothes.

sussex, New Jersey

This report was posted on Ripoff Report on 07/29/2008 12:08 PM and is a permanent record located here: http://www.ripoffreport.com/reports/macys/internet/macys-macys-likes-to-stop-sending-staments-to-jack-up-late-fees-when-its-already-been-pa-356980. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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Updates & Rebuttals

#1 UPDATE Employee

if the paid in full payment is late, you get finance charges that leave a ballence

AUTHOR: Mike - (U.S.A.)

Many people call to say that they didn't get their statments after they stop paying on their accts. We verify the address & see if we have been sending it to the wrong address. If the address is incorrect, we fix it. The customer should have a sense of responsibility to notify their creditors when the change theor contact information. We however remove all penalties because legally if they didn't get the statment we can't legally penalize them. We often get calls from people that claim they never got their statments, but we can see that there is no ' returned mail ' on the acct.
Most times this is because people send in the paid in full amont & (it takes snail mail about 7 days now) it gets here a day or two late. If it gets here after 5 pm on the due date it is late. That is written on their stament. They agree to that legally by their acts of compliance in using the card & agreeing to the terms & conditions.
If the payoff comes in late, it pays the ballance up to what the ballance was on the date of closing at midnight. The finance charges are not covered because they are added at the opening of business the next day.
Many people also think that they paid in full because they pay the full statment amount. They conveniently choose to forget the purchases that they made in the two week time span since the statment accounting period closed.
Thinking that they paid in full, they most likely trash the mails a junk. After a period of time with no response, the statments stop, the acct is ' credit closed ' , the account is sent to the proffit & loss dept., etc.
Untill it is sent to the proffit & loss dept., the months go by & the ballance going unpaid gives late fees ( which are usually $39 a month) & compounding intersest month after month after month after month. Macy's is not responsible if people don't pay their debts responsibly. Many people choose to trash their credit by refusing to pay their debts.
The bottom line is that when you pay off a bill, check to make sure that you haven't negalently coused other expenses that you choose to dismiss because in your opinion they shouldn't be there.
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