This past spring I opened a Macys card and subsequently started buying a few items needed for the new apartment into which we recently moved. Not long after that, I received my statement in the mail, which I promptly paid. The same thing happened the following month. Then in early summer I purchased some new pants for the new season. A couple of months went by before I realized that Macys had not sent me a billing statement. And at no time did I request or approve a change to statement delivery electronically. Finally, a statement showed up in the mail showing a late fee and interest for the amounts of {$32.00} and {$4.00} respectively. I promptly paid the balance for the value of purchases minus the late fee and interest. In addition, I wrote Macys explaining that they did not send me a statement and to kindly remove the late fee and interest. More than 6 weeks later I received a letter from Macys informing me they would extend to me a " courtesy '' adjustment for the late fee and interest. And that these adjustments would appear on my statement within XXXX billing cycles. Unfortunately, I never received a statement and instead received some sort of Debt Validation Notice for {$31.00}. Please keep in mind that I paid my account balance in full, minus XXXX late fee and interest. At this point, I decided to log on my account and noticed they have now charged my account late fees and interest for XXXX, XXXX and XXXX. 
To me, it seems that Macys has a business practice of not sending statements to clients so they ( Macys ) can generate revenue in the form of late fees and interest. In addition, they offer a courtesy adjustment, then not credit the amount ( s ) in question in a timely manner so they could again charge the account further late fees and interest. 
To that end, I wanted to share this with you. I do n't know if this practice is illegal but it certainly appears to me at deceptive to consumers. 
