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Macy's Credit Card

United States

Consumer complaints and reviews about Macy's Credit Card

daslo01 Send email
 
Oct 1, 2016

Charge for not using credit card

My wife gets a 14 dollar charge for not using the card. They say there's nothing to do and they "recommended" to spend 5-10 dollars every month to avoid this charge. Is anyone aware of it? we ave not used the card in months and the balance is just going up and up

Any experience with it, is there anything that can be done?
SAV Send email
 
Sep 9, 2016

UPDATE- Class Action Lawsuit

In parallel with the class action lawsuit we are filing complaints with www.consumerfinance.gov. I am working with an agent there and we need everyone to do the following....
- Call 855-411-2372 with your complaint
- Then logged onto www.consumerfinance.gov and file your complaint. PLEASE NOTE: you must have all documents related to your compliant attached during 1st submission, you will not be allowed to attached documents later. The documents needs are states showing the unauthorized $2.00 charge.

If you have any questions please email [email protected] and we will try and answer your questions in a timely matter.
SAV Send email
 
Sep 9, 2016

Class Action Lawsuit- $2 charge

I am working on filing a class action lawsuit. Please email your story to the following address if you would like to be a part of the lawsuit:

[email protected]

I have been charged the $2 charge with a zero balance multiple times, never received a bill or email notification. I didn't realize it until months later when the delincency of $14- affected my fico credit score. They charged me a late payment of $2 for not paying the $2. When I called Macy's they didn't know what was going on and kept telling me it was NOT a minimum interest charge, which is exactly what it's classified as on the bill. They then apologized and removed the $14- but it has already affected my fico score AND I noticed another $4 payment again, $2 for the min interest fee and $2 for the not paying it. This is fraud, they cannot do this to people. I am working with a few lawyers to see what is the best action to take.
mcandrew67 Send email
 
Sep 5, 2016

Macys $2 charge

I too am receiving the $2 card, I have not been receiving a statement since December of last year, I have to remember to go in and look. I was 1 day late and received a late payment. I got so sick of it I paid in full and closed account and then received a $2 charge on a 0 balance.
I definitely believe we have a class action lawsuit here. Any attorneys out there want to take it on?
S Stults Send email
 
Sep 4, 2016

$200 charge on 0 balance

I, too have been having the $2 charge when there is no balance--that's why I Googled this! Sounds like a class action suit to me. No wonder Macy's is struggling and closing stores! I will be closing three accounts right away! I had also called about this, and someone in the Philippines made some lame excuse that did not make sense. It has continued, though, so I am done! I will be writing a letter to Macy's, and I will be waiting for the eventual class action suit to refund my money!
[email protected] Send email
 
Aug 19, 2016

$2 fee ea month on zero balance

I kept receiving a $2 fee ea month after having a zero balance and a closed account with Macy's credit card. I called 1-800-290-6734 and got a nice lady named Violet who apologized for the fee and took it right off without me asking. She told me I shouldn't receive any more fees and that my account was in fact closed, here's hoping!
I hope this helps someone out there.
Aviva Baum Send email
 
Aug 18, 2016

Event Payment vs. Regular Bill

1. We have a balance on a 12 month special event.

2. Every month we pay the Regular account for all purchases made so we do not incur interest. We also add a payment to go towards the Special Event. For the last four months, none of the extra payment has been applied to the Special Event --- it is being applied to the new purchases on the Regular Account.

3. We were told that we cannot pay online if we wish to split the payment to Regular and Special Event.

4. So this month, I called in the payment and told Customer Service how to split the payments. Well, it did not happen.

Why can't Macy's get it right? The new Credit Card processor is ruining your business as we will stop shopping/pay off the Event and then cancel the card after 30 years.
[email protected] Send email
 
Aug 6, 2016

Fee charged on zero accounts

Received bill for $2.00 after having paid off bill well before due date last month. Contacted Macy's asking why they are charging me on a zero balance. Customer service person was in Phillipines and was unable to understand my issue or offer a reasonable explanation. I requested to be sent to a US customer service rep. There, I was told this is a
"Residual" fee from the previous month. I told them I have never had a business send me an additional billing on a paid account. Macy's will not see any more activity from me. I'm done with them. I hope this small charge fraud is worth it to them!576
Sp[email protected] Send email
 
Aug 6, 2016

Fee charged on zero balance

Received a bill for $2.00 from Macy's for an account which I paid off last month. After spending 45 minutes on phone with customer service (in the Phillipines) and bring unable to explain my complaint or get a reasonable answer as to why I was being charged I requested a customer service rep in the US. I was told that this is a residual interest fee from my last bill. I have never received a request for additional payment after a bill has been paid off and well before the due date. I am done with Macy's. Hope there little charges are worth it for them 01515
Kunal Basumatary Send email
 
Jul 11, 2016

Not transfer the lucky winner money from coca cola company

This is Kunal Basumatary
Prize- Won From coca cola company UK
Acc- 300221101070
Acc Type- Temporary Current Account
Website- http://www.rbi-india.org.in/NRi/actn/index.php
Acc Valid : 05/JULY/2016 To 06/AUGUST/2016
Won Balance : Rs. 89,62,850.00

This web and won amount is can not transfer in personal account because the website is not open
So give me valid websites thanks
exclusivekevin Send email
 
Jul 11, 2016

Macy's Charging Interest on Zero Balance Accounts

Macy's recurring interest charge still in full effect. This is such a scam. I had the customer service rep go through my account history. I paid off the initial balance in full, then they kept charging me additional interest fees every month. I was paying those off in full. It wasn't making sense to me since my bills are always paid on time, in full. The rep assured me I won't get this fee again for the initial charge. I can't imagine how much money Macy's is scamming people by them not checking their statements.
teeware Send email
 
Jul 6, 2016

Macy's Charging Interest on Zero Balance Accounts

I googled the information. I was charged an interest even though I had no balance on the account. I had paid the full amount before the due date for both months but was still charged interest. Instead of them crediting the next month, they charged me again. According to an article dated February 05, 2010, this practice was suppose to STOP but it hasn't. Is this Legal for them to do that?

From the Article: Citi spokesman Sam Wang suggested this policy will stop later this month, this was back in 2010.
As if their rates at 24% isn't High enough. This should be listed under Theft of consumers.

My question is "Why hasn't the Attorney General done something about this to help the Consumers"? Why do we need to call Macy's for them to Not Steal from us? Because at this point from 2010 to now it's 2016, it should be considered Theft.
Angel68 Send email
 
Jun 29, 2016

Can't credit account correctly

I got a Macy's card around the holidays last year. I was careful to not only pay them more than the minimum payment, but to pay them twice per month so I was always in front of the payment due date. I kept a close eye on my Macy's balance to make sure the debits and credits came through correctly and in a timely manner. All looked good.


About a month ago I paid off the balance on my Macy's card. I paid it one day; the funds came out of my bank and were credited to my Macy's account the next day. I had a $0 balance. That Sunday I went to an event at Macy's and attempted a charge which was well below my credit limit; it was refused. I checked my bank account and my Macy's account again as I was standing in the store: funds were credited the day after I paid it and the balanceon my card was $0 with the full amount of my credit available. I showed the girl at the counter--who was on the line with Macy's customer service trying to figure out the issue--the credit to my account and my $0 balance. She handed the phone to me, at which point I was told the funds would not be credited to my account until the 18th of the month...a total of 10 days after the funds left my bank account and were already credited to my Macy's charge. The customer service rep then attempted to push through a $200 credit increase to cover my purchases (a hard inquiry on my credit report I neither requested nor needed) and it failed. I didn't want to stand in the store and argue (and I was furious), so I paid for my purchases with a different card and left with the full intention of getting someone on the phone as soon as I got home.


The conversation with the customer service rep I got on the phone when I got home went no better. I was told since I was making a large payment and it wasn't close to the due date, they had placed a hold on the funds to verify their availability. I explained Macy's already knew the availability since the money had left my bank account the day after I paid my Macy's card off and I had received an email confirmation from them letting me know the funds had been applied. Again she stated the funds would not be available until the 18th. When I asked if I should wait until the 19th before I used my Macy's card with a zero balance and the full amount of my credit available, she said "Honestly, ma'am, I would wait until the 20th just to be sure." I was also advised if I planned on making any more payments larger than the minimum balance I should let them know in advance so they would be prepared to credit it immediately so as to avoid "embarrassing situations like this in the future."


All I did was pay my bill off and they couldn't handle it. They also treated me like a deadbeat. I had never been late, always paid (much) more than the minimum payment twice a month, and had generally been a good customer. This was the service I received for being responsible with the card. Horrible company.
[email protected] Send email
 
Jun 24, 2016

Macy's erroneous $2.00 charges on a zero balance

I keept getting these $2.00 charges each month on my macy's account when I thought I had a zero balance. Not really thinking about it I kept paying them. Last month, I called them and told them of my frustration and asked them to make it stop and to make a final payment. I asked for verbal confirmation that I would not get another charge next billing cycle. They said that I had a zero balance. No more charges. Today, I got another bill, for $2.00. I googled $2.00 Macy charges and see that this is not only happening to me, but to others. I called and had the charges reversed and closed my account. I am reporting this to the BBB and think it warrants a class action suit.
Karen Hoffman Send email
 
Jun 22, 2016

Macy's Credit Card

Complaint:

On my 4/8/16, closing date statement I had a (-$26.74 credit). I made an on-line purchase of $56.26 (42.49 +3.82 tax +9.95 delivery) on 4/24/16. I’ll call this transaction #1.
On 5/1/16, I returned, in store, that purchase of $56.26 and received a (- $42.49) credit toward the purchase of $149.99 + 9.68 tax which netted a total of $117.18 . I’ll call this transaction#2.
On 5/ 8/2016 I returned the 5/1/2016 purchase and received a Macy’s cash card. I’ll call this transaction #3.
My next Macy’s billing statement ending 5/10/16, closing date includes the first two transactions and applying the credit I had to that total. It does not record the 5/8/16 return.
On my 6/09/16, closing date statement it still does not record the 5/8/16 return. It bills me for $176.78 including a $ 27.00 late fee and a $3.08 interest charge on purchases that should have been negated with the return of Macy’s merchandise.
Why doesn’t Macy’s return the tax paid on items which are returned?
I have called Macy’s to discuss these bills but I’ve been told that the representatives have no access to their billing systems.
I want Macy’s to figure out their accounting, not me, and not to have this impact my credit in any way!
Macy's sucks9 Send email
 
May 31, 2016

Unknown charges of $4.98

I first had an issue with the AMEX several months ago. For whatever reason my bill pay at my bank never notified me of an unpaid amount. This is tricky because now you have AMEX and need to be on their site to pay. I don't get a paper bill so I did finally go to the Store in person and pay the entire balance which was not a problem and less than $50. But low and behold I present myself to Macy's to purchase a mattress and guess what? Denied! I have another balance unpaid. Total amount $4.89 and I have no idea where this random amount came. I found the customer service person was awful and as convoluted and sketchy this card is I need to cancel said card. Really Macy's ?
lotfi99 Send email
 
May 23, 2016

multiple calls from Macyblooming

Received MULTIPLE calls including 4 calls on this Sunday for a credit card overdue account of 108 Dollars NO BILLS electronic or otherwise JL
Mgarcia Send email
 
May 23, 2016

Macy's fraud department

Macy's allowed someone in another state to charge thousands of dollars in store on my account. I discovered the fraud because my card was declined making a small purchase. I immediately filed a fraud report and have spent over 100 hours talking to their fraud department and representatives who took months to figure things out. Although they finally removed the unauthorized fraud charges I continue to argue with them over late fees and interest which I had been assured would not be incurred. They also reported me as late to credit bureaus. First negative report for me ever. This has been s complete nightmare! I am convinced Macy's is on the scheme. I closed my account I had held for 15 years and they didn't care.
angryandy Send email
 
May 15, 2016

$2 "Interest" Fee

I am closing my Macy's credit card account. I had last used my card in Jan'16 and paid off the amount I owed in full. I went to Macy's in April, only to find my card locked due to non-payment. Turns out I owed $8 in interest expenses as I did owed them money. But how do you incur "interest" when your balance due is $0? Anyway, I was told by the customer rep that I get a monthly statement and I should check (false, since I have NEVER received a statement from them). I paid off the amount (in full) and was assured I would not incur a fee since my balance was zero. I've not used the card since.

But guess what? I look at my statement today (had to log in, of course), and lo and behold! I owe $2.

Macy's, get your act together and either ditch this damn bank you use or keep losing customers. Obviously you don't seem to care as of now given the number of complaints I see here on that fee.
rmcsherry Send email
 
May 12, 2016

Interest and Late Fees on a Closed Account

In February I wrote a check and paid my account in full, mailed said check and same day called to explain that I was mailing it and would like to close my account. They kept me on the phone for some time going through canned statements basically asking me to keep my account open. I explained I have perfect credit and why would I keep a card that is 24% interest when I have a card that is 2% interest? No thank you. Foolishly, I took the card in the first place for a discount that was supposed to last three days and only lasted one. Received confirmation code and told account balance is zero and account is closed.

Today, May 11th I received a phone call saying I had a 99.00 balance on this card.Long story short, they decided to charge me a late fee for February of 27.00 and interest on the late fee. This continued unknowingly until they called me in May.

It gets worse, I called to correct this, agreed to pay the one month late fee and that was it. As they were processing my payment the phone went dead right when they were going to give me a confirmation for my payment and confirm account is now closed and at a zero balance. I called back, went through story and as he put me on hold to "confirm that the removal of the additional late charges is okay" waited for 20 min., phone went dead again. Now this is not my phone, both times there was a click on their end and silence but the call had NOT dropped. I called in a third time and was told that I need to call back in 48 hours to confirm that the two removals were processed and then I'll need to call back again between the 28th and the 29th of the month to ensure they don't add the 2.00 charge everyone else is complaining about. She said if they do add it and you call during those days we can remove it, but if you don't call between those two days the cycle will start all over again.

I will NEVER shop at Mayc's again and I strongly warn others from ever getting a credit card with them let alone shop there. Nasty business practices Macy's, shame on you.
LorieAnn Send email
 
May 7, 2016

No Bill, late fees

I just had the most frustrating call with Macy's... Long story short... bought something for around $40 in late December and got phone calls from Macy's this month. I'll be honest, I completely forgot about that purchase ... I never got a bill! So when we got the calls, we thought it might be a scam - we knew we hadn't bought anything at Macy's in months. I didn't remember the purchase until the customer service person mentioned it - YIKES! Certainly would never just NOT pay a bill! Maybe not pay in full, but $40?!! Well, you can imagine the late fees... the bill was over $130 and they were getting ready to charge another late fee today (5/6). So I readily offered to pay the initial balance of $41.38 and asked them to waive the late fees. Ma'am, we can only remove 1 late fee ever 12 months. Seriously?! But this is a different situation I said and explained in detail again - I received no mail OR email. Ma'am we show that we sent the emails to you. Do you really think I would damage my credit score by getting $35 late fees every month on a $40 charge and just HOPE they would be waived?!!! That is ridiculous. I explained how I had been a customer for years - didn't matter. I Checked my email while we talked, nothing from Macy's since 2013. I checked Spam and deleted mail - still nothing. I.DID.NOT.GET.A.BILL I asked to speak to her supervisor... Ma'am, no one can get rid of the late fees. I asked for another number to call... there is no other number. I have put in a complaint on their customer service and also intend to write a letter. I don't know what will happen but it looks like I'm not the only one that has been treated this way.
[email protected] Send email
 
May 5, 2016

No Bill, late fees and ding on credit score

I have worked years to build my credit score to 846. In November I bought a present from Macy's for my daughter. It was a $35.00 charge. I never received the electronic bill notice. Come February and no bill still I call Macy's and they say I owe $169.00. I explain I never got a bill and they agree to waive one month's $39.00 late fee. I become livid and they hung up on me. Eventually I call again and they again only agree to take off one late fee.So I pay the bill over the phone and close the account. I also demand they send me a paper bill by mail. Next month I get abill for $2.00 on my closed account. I did not bother to call and fight anymore so I decided to send then a $3.00 check. Last month my bill showed a $1.00 credit. I will wait and make them send me a check for $1.00. Not much justice.

In the mean time I find my credit score has dropped from 846 to 769. Of course Macy's changed my account also without telling me Not sure if that is why I never got notice. My wife and I have agreed we will never shop at Macy's again.. Would love it if someone would bring a class action lawsuit.
Tedwards Send email
 
Apr 23, 2016

Macy's $2.00 charge on credit card account

Got yet another $2.00 charge on my account even after my balance was paid in full. Never carried much of a balance on this account but apparently because I made a partial payment one month and carried a small balance over to the next month, on the third month my stmt showed the balance paid in full but was still charged $2.00 fee. I called customer service and by using the automated service, one option was "if you're calling about a waiver of interest or fees, press _ now." When I chose that option, it responded "your fee has been waived and will appear on your next statement." Evidently, there have been so many complaints they have added this option. I then called back and spoke with a live person and closed my account. Goodbye to Macy's! You've lost a long time customer. I will be taking my business elsewhere.
[email protected] Send email
 
Apr 16, 2016

Interest incurred due to no billing statement

I made a purchase totaled $11.73 in June of 2015. Since I have multiple credit cards and the amount was so small, I completely forgot about it. Of course, Macy's NEVER sent me a statement....until February 2016! I searched my entire online mailbox and was unable to find a statement from Macy's before Feb 2016. My bill in Feb totaled $256.78...sent to me from the Collection's company. I called Macy's and the representative told me that it is the customer's responsibility to pay for their bill...even in the a absence of a billing statement. What a joke! I wrote a repeal letter, and they setttled for 50% of the bill, which I am still reluctant to pay. I have no idea what Macy's is doing with their business. Macy's is going downhill, and they will lose all their customers if they continue to practice this way. I am very disappointed with Macy's, and my credit score is probably ruined.
Lawsuit/Macys Send email
 
Apr 10, 2016

macys

Macys allowed criminals to charge thousands of dollars on my stolen card 02 9/22/15 after the card was reported stolen. Despite multiple report submissions, we are still attempting to resolve these fraudulent charges seven months later. We have been told "call on a weekday" and waited more than 20 minutes (listening to horrible static/music) and on many occasions, we are disconnected before connection with a representative. When we dial the numbers listed for the Fraud Department, we are always routed first to collections, and another lengthy delay (or disconnection) results. We have been turned over to collections agencies and our credit rating has plummeted . I am starting to wonder if the perpetrators were working FOR Macys. It is clear by the many entries and complaints on this site that Macys and their financial partners are complicit in their shady and incompetent business practices. There must be legal actions
we can take against these companies. Clearly, Macys and Citibank/Wells Fargo do not care to keep us as customers. Macys and Citibank have shown zero motivation to resolve these issues or treat their (former) customers fairly.

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