I opened a Macy 's credit card account XX/XX/2015. I set up bill payment through my bank account, with their approval. This worked for one month but no other bills appeared. They started calling, asked for payment. When I returned the collection call, the rep investigated and admitted that they had " changed their system '' and had not in fact notified me of that, nor had they sent a bill. The rep said they would send a bill and eliminate any " overdue '' charges. The bill did not arrive. I asked for a bill on the phone, repeatedly, without success. Finally, I sent a registered letter. Now I have received the itemized bill. I have sent a check for the purchase amount. However, they have added " finance '' charges dating back to XX/XX/XXXX, before they sent the bill. My credit record is nearly perfect and I do not want any blemish of any sort. 
