Credit Report deliquency - is there anything that can be done here?

[Anonymous]

Several months ago I signed up for auto billing with Macy's. Today, I learned that Macy's has placed a delinquency notice on my account for non-payment. It turns out that Macy's (or so customer service claims) cancels you auto payment enrollment completely if you have a $0 for one month, which apparently I did in March. So auto billing was cancelled and unbeknownst to me, my account was not paid (my Macy's account is rarely more than $25 balance either way).

I immediately paid that balance in full by phone but Macy's refuses to remove the delinquency. They claim I should have known auto billing was cancelled if you balance goes to $0 for a month and that it was my responsibility to re-enroll every time that happens.

I have read the auto billing terms and conditions and neither state that auto billing is cancelled if you have a $0 balance for one month. I have disputed it with Macy's and am awaiting the results but I am concerned they will not remove it. Do I have any other options after that point?

[Anonymous]

OP here - sorry for typos - I didn't proof read. To be clear, the deliquency is on my credit report, not just my Macy's account.

[Anonymous]

No advice but that has got to be one of the dumbest policies I've seen.

[Anonymous]

Dispute it with the credit agencies.

[Anonymous]

Contact the Better Business Bureau, too.

[Anonymous]

There are credit repair agencies who will tackle these types of problems for you too

[Anonymous]

Thanks- I wrote the BBB and will dispute the delinquency through the credit reporting agencies as well. Not sure about the credit repair places - aren't those usually an unnecessary scam?

It very frustrating because I have close to perfect credit and never had a blemish on my CR. Now I have this deiquebcy and we are supposed to start house hunting in 6-12 months.

[Anonymous]

** delinquency

[Anonymous]

When Macy's turned off auto-billing (and auto-pay I presume?) did they send you paper bills and paper notices? Like a pp said, what a terrible policy. What the f?

[Anonymous]

File a complaint with the cfpb.

[Anonymous]

Anonymous wrote:OP here - sorry for typos - I didn't proof read. To be clear, the deliquency is on my credit report, not just my Macy's account.

agree. I would add that I would stop being a Macy's customer

[Anonymous]

Anonymous wrote:Thanks- I wrote the BBB and will dispute the delinquency through the credit reporting agencies as well. Not sure about the credit repair places - aren't those usually an unnecessary scam?

It very frustrating because I have close to perfect credit and never had a blemish on my CR. Now I have this deiquebcy and we are supposed to start house hunting in 6-12 months.

This was a long time ago, but when we were first househunting, I had an old bad report from one credit card. Our loan officer suggested that I write a letter to all three credit bureaus detailing what happened, and it was removed.

[Anonymous]

Only time I ever had a problem with Macy's, I got a supervisor on the phone and cancelled my account. Problem resolved immediately. Thanks for the warning on the auto pay.

[Anonymous]

Anonymous wrote:When Macy's turned off auto-billing (and auto-pay I presume?) did they send you paper bills and paper notices? Like a pp said, what a terrible policy. What the f?

No, there was no notification that it was cancelled. The thing I got was a letter last night from Macys notifying me that the account was past due, which I already knew because the alert showed up on my CR (I have the Target CR monitoring service). I also finally received a statement last night in the mail, but that is the first statement I have seen since I set up auto billing/autoayments. Neither of those documents stated auto payments were cancelled.

[Anonymous]

This is why you never do auto-billing/auto-pay.