On XXXX XXXX, XXXX, I purchased approximately {$100.00} of goods from Macy 's on my Macy 's credit card. I did not receive a bill, nor did I get a reminder e-mail about my amount due, and accordingly time passed and I eventually forgot all about it. I pride myself in paying all my bills on time, and was dismayed when, XX/XX/XXXX, I received a Macy 's bill in the mail for {$240.00}. There had been no notice on my credit reports that this bill was overdue, nor did I receive any other notification before the XXXX bill. I called Macy 's and spoke with an argumentative woman who insisted I had signed up for e-bills when I first opened the credit card, over three years ago. I told her I had received no bills, no notification of any kind, not even an e-mail, and she said it was my responsibility to check my Macy 's account to see what was due and pay it accordingly. I have never looked at my Macy 's account online, nor do I believe I have an account there. Regardless, they should have sent me an e-mail notification, or I should have received notification with my bill paying service, as I have from Macy 's in the past ; but I received neither. I asked to speak to a manager, who was even more argumentative. She agreed to take the current late fee of {$38.00} off, but no more. I told her that my account has always been in good standing, and that I originally had a Macy 's account XX/XX/XXXX and she laughed, probably because she had n't even been born then. I became very angry and told her I wanted to pay whatever I owed and close the account. She began arguing about all the reasons I should keep my card, and I told her, " I 'm done arguing with you. Please let me pay and close my account. '' She would not let me pay with the XXXX XXXX credit card I use for most purchases, saying I needed to provide a checking account number, which I reluctantly did. I ended up paying {$190.00}, and she finally closed the account. A few days ago, I received notification from XXXX XXXX that my credit score had been impacted by some activity. I learned that on XXXX/XXXX/XXXX, Macy 's had reported my account overdue by 60 days. My account was actually overdue by more than 120 days. They had every opportunity to file with the credit agencies when I was late after 30 days, but did not because ( I believe ) they knew I would find out then that my bill was overdue. I also wonder whether the reason they filed it now is in retaliation for how angry I was when talking with them. I know Macy 's is a large company, but this practice of not notifying card-holders when bills are due so Macy 's can increase their profits is abhorrent and needs to stop now. 
