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I am in need of advice. I was just going through our Macy's account and noticed that I have a revolving balance greater than what I expected. I just charged $250 for the DW's Bday present and was preparing to PIF when I saw that they are reporting we have a balance of $800+. Now I do have a Special Event Purchase that doesn't report to Bureaus and will be PIF by due date 1/15/15 to avoid interest and every month Macy's takes the minimum pmt and disperses it between the Revolving (if there is a balance) and Special Event. I in turn make an additional second payment (as we had problems in the past making one large lump sum payment and not having it applied as we were told it would be) to pay down the Revolving. DW carried a balance for 3 months, which is 1 month longer than it should have been based on the payment I made. Is there any recourse I can take with Macy's as I have been told repeatedly that ANY extra payment will be applied towards the balance being charged interest and NOT the interest free purchase account. I.E. is there any part of the Consumer Protection Act or FCRA that may apply to this situation?
Being that I don't wear Revival Jeans, I am hoping if anyone can chime in on whether or not ANY of these "Higher end" store cards are worth it to get. They all have a Private or Co-branded product that you can PC to or apply for, I saw one poster saying their Nordstrom's Card (Visa Siggy) is at $55k, WOW!!!! Obviously not the norm, but I am sure there has to be some logic or advantage for some people, in acquiring or app'ing for these products. Obviously, if any were SYNC backed, I'd be all over it, lol. But I am hoping I can get your opinions on the matter. As always, thanks CB!!!
Check this out. I applied for a new Macy's account while trying to remove 6 old lates from them on another account. That worked and I let the dust settle in regards to Macy's and my CRs. So today, I tried to make a purchase online at Macy's, but my card didn't work. When I received my new card I was notified that my CL was $400 and that my old account had been closed.
I started with the online chat explaining that I was being declined on a small purchase with my new card. Macy's called me a few moments later and told me that they needed to activate my account. Then the nice young girl told me that I had a CL of $800. WOW! What a friend. But I was already prepared for this.
I told the CSR that I had been looking at a sectional and it was on sale for $2000K and would it be possible to make this happen today. She put me on hold. Then she came back on the phone and said that I now had a CL of $2500K. BAHAHAHAHAHAHAHAHA! I make myself laugh. Now for a drink in celebration.
*insert sound of Grey Goose being poured over ice*
Macy's had two 30 day lates on all 3 of my CRs. Almost 2 months ago, I wrote to Macy's with a DV style letter asking them to verify/validate the lates. After a month, I got impatient and wrote to all 3 CRAs with an enclosed copy of my letter to Macy's along with the certified mail receipt. I simply stated that Macy's hadn't responded to my letter.
While on the phone with an EX CSR last week, it asked her to delete the lates from Macy's because I felt they were obsolete. She denied me by stating that they had more than a year left. Oh well. It was worth a shot. Now during this time, I have opened a new Macy's account and Macy's has closed my old account. However, I have left the new account dormant so that it doesn't show on my CRs.
This morning I checked my EQ CR and Macy's trade lines have been deleted. Just waiting on TU and EX to follow suit. If TU and EX end up not deleting my lates from Macy's, do you think that I could dispute by sending in a copy of my new account with a copy of my new card stating that the old Macy's account is not mine?
P.S. Macy's eventually answered my letter stating that the lates had been verified as correct. BAHAHA!!!! Of course they verified.
Does anyone have a copy of a settlement letter from macys they could send me?