SO I have 2 30 day lates on my macys account from the end of 2010. I tried goodwill letters to their credit center then to Macys executives (beginning of April). I got a "pleasant" letter back from a Nancy Mobley apologizing for the hardships I endured at the end of 2010 (wife and I separated) but, "it is not our policy to remove any delinquency from your credit file, unless it occured as a result of a billing dispute. As a credit provider we have an obligation to accurately report all acitivty, either favorable or unfavorable, to the credit reporting agencies..." That is all fine and good and I understand that.
Recently my financial situation has changed as my 8 year old son just had to under go brain surgery to remove a cancerous tumor. I think we're covered financially but on the off chance I would need a loan I am trying to get my credit pristine. I wrote to Ms Mobley again two weeks ago explaining my new need to get these lates off my report. I specifically asked if she could do a courtesy reage on the account and basically begged to have the lates removed. Today I got her response. She apologized about my son and said, "I can fully empathize with the monetary impact this type of illness may have on your family now and in the future." However, in the next paragraph she quoted her earlier response and apologized that she could not help.
So, SBA or anyone else, what should I do now? SBA I do not qualify for the courtesy reage. I only use my card during the holidays and I have only had it for 5 years. SBA I saw on another post that you gave the addresses for two other call centers. Should I try goodwill letters to those addresses? Should I close my account and try to have the tradeline removed completely? It wouldn't hurt my Aaoa and they gave me a credit line decrease once they figured out everyone's limits so I don't mind closing it. Thanks in advance to any help!
OC's and CA's know they can choose NOT to report at all...but with an open account, they don't.
Billing dispute is just one of the many reasons it can be re aged. If you read my other posts, you know it could also be:
No way to tell if you'd be better off closing and trying for a deletion of the entire account. Is it appearing on all three CR's? If it is, you are going to have to deal with three CRA's for this one account, three times the effort. You don't say which, if not all, of the CRA's are reporting it.
Write to another center? Possibly, they have the same type people responding to letters at each location. The letter and her response it already on the account, so anyone reading the second letter from another location can choose to review the notes--or not.
Any of the above might work....
Yes it's reporting to all 3 CRAs. One interesting thing I did not think about that you mentioned. I can get my statement online but I NEVER receive the email notification telling me a new statement is available or a due date is coming up. I think I'm signed up for paperless statements because I don't get the statement in the mail.
I'd focus on that in your next letter to Ms. Mobley.
So if I am signed up for paperless statements I should receive an email telling me a new statement is available correct? My last statement just cut on 5/19. I double checked my email and my spam folder and I have received nothing from Macys. Does this entitle me to a legitimate reage? Also, how can I prove this? Seems like anyone could say they didn't receive an email. Would they have a record of this?
2010 was a huge conversion from Macy's VISA to AMEX. Checkfree, due to the relative complexity of multiple accounts, and others being converted to 15 digit from 16 digit VISA account numbers, caused more than a few statement delivery problems.
I am betting you did not have a Macy's VISA, but you may be able to use some of that type of problem in your letter. Additionally, store accounts have a changing security digit at the end of the account number. Lose the card, report it, and they'll change the last digit from 0 to 1, then 2, 3, etc. Trying to get Checkfree to adapt to that resulted in even more lost email notifications.
Checkfree notations like this are not noted on the account, but mentioning them to someone who was assisting customers in 2010 might allow them to justify a re age.
Also, if you put a dash in your Macy's account on Checkfree, directly off your statement, it would allow you to enter into Checkfree--but would not send a statement because it could not find the account due to the dash.
I'm confused. What is checkfree? I was going over my account online and I am supposed to receive emails when a new statement is available and when a due date is near. Could my email have simply been lost in the shuffle of that changeover? When writing Ms Mobley should I bring up the legitimate reage and that I may be eligible for one since I have never been notified that a new statement is available via email? Or should I leave the term legitimate reage out of the letter (already used courtesy reage in previous letter)? I really wish there is a way I could prove to them I haven't received any emails. Thanks for your help SBA.
Checkfree is a third party bill payment system widely used by Macy's account holders, with a direct link on Macy's web site. It is responsible for tens of thousands of missed statements, as it was used by a huge percentage of Macy's online customers.
I always use the QuickPay option. Does this utilize checkfree?