A little over two years ago, I had a Macy 's department store card. Then I suddenly received a new Macy 's card with an Amex logo on it. I assumed it was meant to replace my old store card because there was no other explanation in the envelope and it arrived looking just as replacement cards do, so I started using it. Luckily, it was only a small purchase I made, but it turned into a massive issue because I never received the bill. I was used to getting my department store statements online per my request and I did n't realize so much time had passed until I started getting calls from collection agencies. It turns out that Amex claimed they had n't been able to send me my bill and it was months overdue. Someone finally explained to me that I was dealing with XXXX separate cards and XXXX separate bills. I was furious about them opening a new card for me and then not even transferring my billing/contact information along with it. I finally got a Macy 's rep to straighten things out and I demanded that they fix things with all XXXX credit bureaus too. Then I demanded that they close every account related to me. They agreed. Last week, I received a letter fro Macys Amex saying that they have n't been able to email me my statements so they 're canceling my online preference and will start sending me paper bills!! This account was supposed to be closed two years ago! Is it not illegal for a company to issue me credit card without asking me? It must impact my credit if they check my score before issuance. What 's more is I 've had that unused credit sitting idle all this time. I have n't been able to figure out how it has affected my credit score over these last two years! I 've been emailing and calling them but no one can explain what happened and they 've just stopped communicating with me. I want them to fix this with the bureaus. I do n't think I should have to do it. Today I got a generic letter saying that my account has been closed, but it should 've been closed 2 years ago! What 's more is that the letter says that they 'll report the closure to the bureaus, but it will report it like a regular closure without explaining that the card was n't requested by me. How can this not damage my credit? What path of recourse do I have? Has this been illegal activity on Macy 's part? I would really appreciate any help you can offer. To be clear - this issue is with both Macy 's American Express ( for opening a card without my consent and not closing it upon request ) AND Macy 's ( department store ) Credit Card ( for not closing my account at my request ). 
