I purchased a bed under a promotion from Macy 's using my Macy 's card in XXXX of 2014. The promotion was 1 year no interest if paid before year was up. I set up to receive bills through XXXX Bill Pay online and pay {$75.00} a month in response to bill received. {$75.00} was the amount of the bed divided by XXXX to be sure it was paid by the end of the promotion. That was not the minimum payment, they do not give you the correct minimum payment to meet the promotion, they give you what they consider a minimum payment. Every month for 11 months I received a bill into XXXX and a payment of {$75.00} was initiated, except for XXXX 's bill. It was not received, therefore the payment was not automatically initiated and paid as it had been for the past 11 months. So when XXXX 's bill arrives into XXXX, it had a late fee and all of the accrued interest charged. 

I called Macy 's and was given absolutely no help. They said they would do a XXXX time courtesy waive of the late payment since I had a perfect payment history. I was then told that in order to initiate an inquiry they would need me to pay all of the past due, which included the interest. I paid the past due only and told them to get the account to someone that could handle it. I should not have to pay then wait for them to refund my money and I refused to do so. I have yet to hear from Macy 's and I have called as well as sent secure messages through their website. When they asked why I had not made the payment I explained that the bill had been delivered to Quicken for all but the last month of the promotion, ironically I might add, and that was why the payment was not made, it was automatic. 

I have asked everyone I have talked to why I would pay more than the minimum payment every month to meet the promotion but not pay the very last month? No one has a good response, because it makes no sense. 

In my opinion this is a fraudulent way of collecting money from consumers by using their reliance on payment systems. Macy 's knows that I use XXXX and they also are in control of sending the bill monthly. There is no way around this being anything but fraud. 
