On XX/XX/XXXX, I received an invoice from Macy 's American express for the amount of {$19.00}. I did not recognize the charge so, I contacted Macy 's & told the credit department of Macy 's that this amount is a fraud. I asked them to close the account ask for the credit the {$19.00} back to my account. They told me the fraud department will pursue the mater and once they finalized they would clear the mater. on XX/XX/XXXX I received another invoice showing not only the {$19.00} plus {$2.00} interest & {$37.00} late fee. I then called them again, this time they told my the fraud claim has to be in their from & in writing. about a week later they sent me a form which I immediately filled & sent to them for process. XX/XX/XXXX, I have received another invoice, this time {$19.00} plus a {$100.00} late fee & interest, a total of {$110.00}. again I called them & explained the whole story, this time they told me this mater is in process & would take about 30 days. I asked why while in process I 'm being charged with late payment & also told that this would effect my credit rating which up this date over XXXX score & spotless. They did not give me an adequate answer. well yesterday I had a phone call from a collection agency expecting a payment of {$150.00} as of now. I called them few minutes ago & told them that I 'm filing a report with your agency which was recommended by my banker whom advised me that my credit rating has dropped by almost XXXX point to XXXX +. 
I am very upset that Macy 's credit department could unjustly damage peoples credit without a solid evidence. At this time I 'm pleading with you to investigate my case and see that I have done nothing wrong & just believed in a principle. {$19.00} would not effect my life and {$150.00} would n't either. it is only admitting to wrong doing which I have not. Please let me know what can I do or how can you help me. 

Thanks 
