I had a Macy'sXXXX XXXX credit card XXXX I was signed up to receive electronic bills through my bank. Macy 's stopped sending bills to my bank after my XXXX 2015 payment, but they did not notify me that they were changing their billing procedures. By the time I realized that I had not been receiving bills, the account was 3 months past due. I contacted Macy 's. They had no explanation, except to say that they had problems with their system. I paid off the account and closed it. I then contacted the Macy 's credit department to ask if they had reported my account as delinquent. They had and I was told that there was nothing they could do about it. Fortunately, I have excellent credit and it does not appear that this reporting had a negative impact on my credit rating. However, I feel that this whole incident was Macy 's fault for changing their billing procedure without notifying me. 
