I made a purchase at Bloomingdale 's and returned the item on XXXX XXXX. I had received a cc bill for a payment due by XXXX XXXX a couple of days prior to XXXX XXXX. Because the item returned was the total amount on bill, I was told in-store that no payment would be due on the XXXX. On that same day I made another purchase, but being that I had already received the month 's credit card bill, believed that the later purchase would carry over onto the following month 's bill ( i.e. due XXXX XXXX ). When I received this month 's bill there was a late fee charge of {$27.00}. When I called customer service, I was told that the reason I accrued the late fee was because returns do n't count as balance pay offs. I tried to explain to the representative that for any other credit card I have, as long as the refund processes well before the due date of the bill, that I can deduct the amount of the returned item from my total payment. I further tried to explain that based on the policy the store was telling me, that Bloomingdale 's in essence can get double monies as they can re-sell the returned item + hold onto my money for merchandise I no longer have ( i.e. have double the money ). It was reiterated that returns do n't constitute payment on credit card balances. I got them to remove the late fee, but was told that I will have the same problem again this month when I explained that on my new bill I owed {$48.00} due XXXX XXXX. I returned XXXX item for {$30.00} and then paid the remainder of my bill in store for {$17.00}. I was assured that yes indeed, I would again be charged a late fee as I did n't pay off my credit card balance. This system sound egregious to me. I was told I could contact Bloomingdale 's Department stores National Bank for an executive complaint, but have opted to contact your agency XXXX, as I beleive what they are doing is a far bigger problem. 
