Dear CFPB & Department Stores National Bank : I am writing to inform you of unfair billing and debt collection practices. As a result of these practices, to dispute all interest owed and late charges owed on the account, and corrections of any late reporting. 

Background : Sometime last year, Macy 's changed credit card providers. They sent me a new credit card issued by DEPARTYMENT STORES NATIONAL BANK, pursuant to a license from XXXX XXXX. I started receiving collection calls from " Citi '' in XXXX XXXX, and twice requested statements. The first statement I received was backdated statements from XXXX XXXX though XXXX XXXX, and postmarked XXXX XXXX, XXXX. 

Purchases Made : At the time of the new credit card being issued, I had no purchases on the account. I did make XXXX purchases on the account, both at Macy 's ( XXXX XXXX and XXXX XXXX ). 

E-SIGN Consent Not Provided : As I did not activate the credit card, it is not apparent that I provided consent to receive electronic statements. Nor have they been able to provide me this electronic consent. They consistently ask me to go into Macy 's account to activate and receive the disclosures. They have stated that they are provided to my email address, however they are not able to disclose the email address that they are provided to. I have not received any electronic disclosures. 

TILA Billing Statement Not Received Timely : A billing statement was not received, either electronically or in paper format. I requested these statements twice in XXXX, and received by me on XXXX XXXX, XXXX. Without the billing statement, I was not able to pay or dispute any amount owed. 

Fair Debt Collection Action - Unfair Collection Practices : A company started calling on behalf of Macy 's beginning in XXXX XXXX. I spoke to them in early XXXX, and in XXXX. Both times I requested a copy of the statements. They introduced themselves as " Macy 's '', " your XXXX XXXX XXXX '' or " Citi ''. The phone number they call from varies, and they call at all hours and multiple times a day. They call as early as XXXX PST and as late as XXXX PST, 7 days a week, up to five times daily. I repeatedly ask for a copy of the statement. 

My credit score as of XXXX XXXX was XXXX. I work hard at paying my balances in full monthly, or more than the amount required. As a result of no billing statement being received, no apparent E-Sign Consent provided, and unfair collection practices, I am requesting the following : Remove all interest and late charges from the account. 
Remove any delinquent reporting with the credit reporting bureaus in accordance with the requirements of the Fair Credit Reporting Act. 
Close my Macy 's account. 
