In XXXX or XXXX of 2015 Macy 's changed their credit card from a XXXX to an XXXX card. At the time, we had the XXXX card set up on our Bill Pay system. As our use of this card is occasional and only used at Macy 's, we depended on the Bill Pay process and paid when notified a bill was due. When the account changed to XXXX, apparently the bill pay information did not transfer. This would have been OK, assuming that they notified us via email or with a paper statement that an amount was due. Last night, our card was declined at Macy 's and we were informed that we were overdue and owed {$480.00} dollars, including late fees and finance charges of {$120.00}! When we called, we were offered a relief of {$38.00} dollars, which we declined and disputed the fee. When asked how the billing statement was delivered, the agent said via email. When asked what email was used, the agent could not cite the email. Effectively, we were not billed or notified that we were behind payments in any way. If we had not attempted to use the card, the charges would have continued to accrue. We immediately paid the amount due, but their is no way to dispute the late fees and finance charges. It appears to us that the transfer of data and other information during the transition from XXXX to XXXX was improperly handled. 
