XXXX/XXXX/2015 - purchased XXXX items at Macy 's on Macy 's credit card totaling {$100.00} ( only transactions on this card ) XXXX/XXXX/2015 - billing cycle ends. Balance due {$100.00} due XXXX - returned XXXX of the XXXX items to Macy 's . Rec 'd credit of $ XXXX - XXXX/XXXX/2015 made additional purchases/returns on XXXX - returned the XXXX item purchased on XXXX. Rec 'd credit of XXXX ( all XXXX items from the XXXX purchase of XXXX have now been returned with a credit of {$100.00}, comprised of {$67.00} and {$34.00} ) Balance due on NEW purchases in current billing cycle now {$68.00}. 
XXXX/XXXX/2015 - received next statement with a Late Charge of {$25.00}, because the minimum payment of {$25.00} from the XXXX/XXXX/2015 statement with a total balance of {$100.00} was not paid. 
Argument - I am being charged a late fee on the balance for NEW purchases. After arguing ( nicely ) with the billing department ( XXXX ) and her putting me on hold SEVERAL times and consulting with her 'senior associate ', she came back at least XXXX times to tell me why the late payment was due ( not having made a minimum payment ). I continually explained to her, that the minimum payment due was paid via returns of ALL items and thus the late fee is being calculated for not paying a minimum due on CURRENT purchases. 
After XXXX minutes on the phone, and her last consult with the 'senior associate ', she told me that because my purchase was on XXXX/XXXX/2015 and I had a credit on XXXX/XXXX/2015 greater than the minimum purchase, that she would refund the {$25.00} late fee. 
While that is great, I will now pay my balance and likely close this card permanently, it was not refunded for the right reason. I told her that I was happy it would be refunded and asked why it was charged to start with. She said " we do not know ''. 
I have to imagine this violates Reg Z in some way ( APR would be understated for a fee being charged as well as disclosures ). While that 's the regulatory reason, the reputation risk that Macy 's just endured is a loss of business due to employees not understanding the regulatory impact of the credit cards. 
