I have independently resolved my issue with my Macy 's XXXX card, and since closed my account, but wish to document with the CFPB and I ask that you pursue with Macy 's as a complaint about this business practice. 
It appears that Macy 's charges an additional {$2.00} " minimum interest fee '' every month, even if you are receiving a bill for the first time for items you have purchased. Not clear, even from reading " the fine print '', what this fee is. 
We discovered this when we were trying to resolve past due payments for which we had never received a bill, neither online nor hardcopy ( though online is our stated preferred method ). Seems to me that this is a fee easily overlooked by Macy 's customers and therefore a clever way ( in my opinion ) for Macy 's to cover the cost of credit card shopping. I certainly agree that people should review their bills every month, but I am betting most people do n't. 
I never got an argument from Macy 's when I disputed this fee, which raises my level of suspicion even more. in fact, once I resolved the overdue payments, made the final payment, and closed the account, I got a bill in early XXXX with a {$0.00} balance AND ANOTHER {$2.00} MINIMUM INTEREST FEE CHARGE!!!!!! 
If you need more specific information, please contact me. 
