Macy's

[MJPEREZ77]

Fellow CBers:

 

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?

 

Thanks