After reviewing my credit report, problems with my Macy 's card has significantly affected my credit. I have only purchased something on this card twice. The first time I paid in full. The second time, I was not receiving the bill after changing addresses and was three months late. I called Macy 's and told them I never received a bill or late payment notices. They agreed to take off a significant amount of the late fees. I paid in full exactly what Macy 's customer service told me to pay. I have not used the card since as of XXXX. It was paid in full with a balance of XXXX so I did not continue to look at the statements. However, for the next 6 months they charged me {$2.00} every month as minimum interest charges. Again, I received no bill or late payment notices. Finally, after having a {$12.00} balance on my account, I receive a statement in the mail saying my credit limit was lowered to XXXX dollars and I have been delinquent in payments. I called Macy 's and explain what happened and they told me they will credit me XXXX dollars since I should n't have been receiving minimum interest fees. I ask them to close the account and they say it 's closed. I would like to fix the negative account on my credit report. I have never paid interest or late payments on any other credit card. XXXX Macy 's credit card should not affect my score this much. I paid exactly what they told me to pay but they kept charging me minimum interest fees on a XXXX balance account without my knowledge. According to FICO, my credit score has dropped from XXXX when I bought a car in XXXX to XXXX as of XXXX. It was XXXX in XXXX and it has dropped XXXX points in just one month and the Macy 's card is the only negative account on my report. Please let me know what I need to do to fix this inaccurate negative reporting. 
