I have never been late on either of my other XXXX credit cards. In XX/XX/XXXX I had made a purchase using instant approval at Macy 's in order to benefit from the advertised extra savings. I never received a credit card or a statement from them until today, XXXX XXXX. In XXXX, I spoke with someone who said she would be re-sending both the statement and card to me. On XXXX XXXX and XXXX XXXX, I received eight phone calls ; thinking the calls were telemarketers, I did n't answer at first. When I did answer, I was rudely threatened that I had to give the routing number to my checking account in order to stop being harassed. Still suspecting fraud, I told the man that I felt uncomfortable with the arrangement, but that I would go into the store to pay the balance in full, which he said he would put in his notes. I asked the man to add the comment that I am happy to pay what I owe as long as I know what the balance is. Two hours later at the store 's customer service, I did pay the balance verbally told me although I still had never received a statement. Today in the mail, I received the statement. To my horror, it showed a late fee. One, I would like to be reimbursed the late fee. XXXX, I would like a letter sent to the credit bureau explaining that the error falls on Macy 's for not promptly sending its statements to its customers. An impersonal organization is wrong to blame and penalize an overly conscientious individual for its poor bookkeeping. 
