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 purchased. I decided to pay the bill in full. Once I paid the bill in full I never received a statement again.
Never assume that it's paid in full just because they stop sending statements. 2 years later, still no statements and I'm car shopping. The credit company 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 stopped sending statements. Ironically, they couldn't go back into their system that far because they changed their software around that time. I asked, "doesn't that raise a flag that the month I paid it in full you stopped sending statements". 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 Macy's. I asked if their new software caused this issue. They would not budge. I talked to management and all they wanted was their money.
Sure enough what comes in the mail the next month. A $600 change of late fees over 2 plus years. They wouldn't even reduce it and couldn't even see my payment history to see what happened. Makes you wonder why you don't need a degree to work at Macy's.
Just a tip: Never assume a bill is paid in full just because they stop sending statements. Always call them to make sure you have no balance. Have them send you a confirmation of the payment. Do what you can to make sure of it. I will never shop there again and actually thought about pooping on their clothes.
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