Opened Credit Cards without my permission
Complaint
Karen Page
Country: United States
I made some purchases from the Macy's store in January this year. They had some promotion going, and offered me to become a member to get a discount on my whole purchase. I said I don't want to open a card with them, to which they replied that it's not necessary. I paid for the items with my credit card and left. After three months I got contacted by their collector department that was demanding a payment. Only after minutes into the conversation I realized that he wanted me to pay the amount I already paid again plus a late fee. From his words I opened TWO cards with Macy's and one card has a balance on it I did not pay.
I have been fighting ever since, they had illegally opened the credit cards without my permission and harassing me every day for not paying and threated me for reporting it to credit agency. I have disputed it several time and asked them to show me the proof or signed copy of my receipts
that i have asked to open them the cards and paid it using the store card. But ever after 5 months I have no reply from them.
I have been fighting ever since, they had illegally opened the credit cards without my permission and harassing me every day for not paying and threated me for reporting it to credit agency. I have disputed it several time and asked them to show me the proof or signed copy of my receipts
that i have asked to open them the cards and paid it using the store card. But ever after 5 months I have no reply from them.
Comments
for the Visa Card which I paid. Today I received a past due notice for
a $19.99 purchase I had made with my Visa card in July. When I called to complain, I was told that when I used my Macys Visa card in THEIR store it goes onto a seperate account with a different number!!! I told the girl
I spoke to (and who didn't speak very good English) that I never received
a bill for this "mystery" account. She apologized and removed $32.00 in
late charges and interest. I told her my biggest concern was that this
might show on my credit report. Since I never asked for this seperate
account AND never got a bill until today I don't think it should show on
my credit report. If it does, I do intend to contact the Better Business Bureau and if necessary my lawyer.
This recently happened to me on 6/3/11.
Misleading, deceitful, lying SOB salesperson went ahead and applied me for a second Macy's credit card - WITHOUT MY AUTHORIZATION OR CONSENT, after I told him numerous times that I already had a charge card with Macy's but it was not on me during the time of my recent purchase.
He claimed that he would look up my account in the system and that all he would need is my driver's license. I gave him my driver's license and then he asked for me to punch in my social security number to verify my ID.
After doing what I thought was necessary I realized the lying SOB had fooled me and applied me for another credit card. I caught him and he kept on denying it until I just got the letter from EXPERIAN. UNBELIEVABLE!!!!
Of course they denied my so called "application" and inquiry because I already have a MACY'S charge account (NOT FOR LONG) with an existing balance. I will never purchase anything again from these scam artists.
The salesperson was obviously trying to make his commission by how many people he could con into opening new charge accounts. Well, I hope it was worth it because they lost my business. Bunch of idiots. Don't they realize word of mouth gets around and bad reputation can ruin a business?
Should file a lawsuit.
There is even a forum with a Macy's rep defending this b.s. I told them that the bottom line is that their results are unhappy customers. Period. In sales the customer is always right. It's called customer service so when the customer experience is a feeling of disservice then something is wrong. When the customer ends up feeling like they have to be on guard around sales people who used to be look after them then Macy's has failed.
The biggest profit margin now is in extending credit. People need to know first and foremost that Macy's wants to get you into another credit, and then into a pair of shoes. They are total scum and have lost our business forever.
The biggest profit margin now is in extending credit. People need to know first and foremost that Macy's wants to get you into another credit card more than anything else.