My Macy 's American Express account was compromised resulting in approximately XXXX of fraudulent charges being made on the account. Even though these charges were flagged by fraud protection, they allowed multiple charges to be made to my account. Following my immediate response to fraud protection identifying the fraudulent charges, I was assured that I would be sent a fraud claim for processing and to not pay on the fraudulent charges. I never received the fraud claim. Upon following up on the claim form, I was provided XXXX different scenarios by XXXX different Macy 's American Express fraud department personnel about what action to take regarding the balances and how they would be reported to the credit bureaus. I am on call number XXXX and on hold again waiting for a supervisor to give me what I hope will be correct information. I simply need to know if I have to pay interest and fees on the fraudulent charges to avoid being reported negatively to credit reporting bureaus until the issue is cleared up. XXXX different people gave me XXXX different answers. None seemed to independently be able to explain what happens in terms of credit reporting on my account in regards to this issue. That is just unacceptable. They recommend that I do not pay the fraudulent charges but can not explain the credit reporting scenario associated with me not paying those balances. It is unconscionable to me that Macy 's American Express would allow flagged charges to proceed and then - not mail me the fraud report timely - or explain what transpires with the associated credit reporting scenario. I have excellent credit and find their level of incompetence unacceptable for an agency that can report damaging financial information to my credit report after they allowed obviously fraudulent charges to be made to my account. 
