Without my knowledge, my Macy 's account was tied to a separate American Express account. When I paid to the account number on my Macy 's credit card, which cleared, I was unaware I was paying to a XXXX balance American Express account, and not to my " Macy 's '' balance. Over the course of many months, I tried to reconcile this online, through the Macy 's website, but every time I tried to log in during the spring, summer and fall of 2015, I was told the site was " temporarily down. '' I called the number on the account at least 2 times and was unable to speak to someone who could tell me what was going on. Finally, after receiving a check from MACYS ( aka American Express ), for overpayment, the same month I received an invoice for slightly more ( due to the large missed payment fees ), I managed to get a call through to someone who understood what was happening and could explain where to pay. 
Last month I paid the full balance, and was told by the customer service rep that there would be no further charges. Then I received a bill for XXXX , apparently for some sort of balance fee, which I do n't understand. I paid that, but somehow it was mixed up again, and did n't post ( I have the bank statement to proove it ), and then received a XXXX $ bill for not paying the XXXX XXXX 
I have recently spoken with Macy 's and been assured that I have paid the XXXX $ balance, and they also told me my account was closed ... why I do n't know. That is fine, I wanted to close it anyway, but I 'm not sure if that type of closure affects my credit score. 
