Macy's setting up two accounts under false pretense

[Anonymous]

BEWARE, A MACY'S ASSOCIATE TOLD ME THEY WOULD REACTIVATE A CARD THAT WAS NOT USED FOR SOME TIME. I CLEARLY INDICATED THAT I DO NOT WANT A NEW LINE OF CREDIT. ROUGHLY ONE YEAR LATER I HAD TWO OPEN ACCOUNTS ON MY CREDIT REPORT. DO NOT OBTAIN CREDIT FROM MACY'S. OTHER ARTICLES REPORT PRESSURE WITHIN COMPANY TO SIGN PEOPLE UP FOR CREDIT. THIS ASSOCIATE DID SO UNDER FALSE PRETENSES. I IMMEDIATELY CLOSED MY VIRTUALLLY UNUSED 11-YEAR OLD MACY'S CARD AND MACY'S AMEX. I DON'T APPRECIATE COMPANIES PLAYING WITH MY HARD-EARNED CREDIT SCORE.

[AverageJoesCredit]

You do realize that Macys and Macys Amex are two separate lines of credit and getting the Amex version ,for example, doesnt just close your original account. Did they open a third line without your consent?

[Anonymous]

Thank you for your response. Yes, I am aware that Macys and Macys Amex are two separate lines of credit and getting the Amex version would not close my original account. I have had the original Macy's card for over 11 years and in great standing period I had no reason to open a second card. I was told that the original Macys card had been deactivated for non-use. I was told that the card could be reactivated and that I could proceed with a purchase. I specifically stated that I did not want a second line of credit. I merely wanted the original card reactivated as pledged. Later, I find that I have a Macy's and a Macy's AMEX card in my name. Both Transunion and Equifax report to separate lines of credit. I did not request a second line of credit. Thank you once again.

[Anonymous]

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@Anonymous wrote:
Thank you for your response. Yes, I am aware that Macys and Macys Amex are two separate lines of credit and getting the Amex version would not close my original account. I have had the original Macy's card for over 11 years and in great standing period I had no reason to open a second card. I was told that the original Macys card had been deactivated for non-use. I was told that the card could be reactivated and that I could proceed with a purchase. I specifically stated that I did not want a second line of credit. I merely wanted the original card reactivated as pledged. Later, I find that I have a Macy's and a Macy's AMEX card in my name. Both Transunion and Equifax report to separate lines of credit. I did not request a second line of credit. Thank you once again.

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If you can't receive any help from Macy's in removing the unauthorized account, then your best bet will be to file a complaint with the CFPB.  Good luck

[SunriseEarth]

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@Anonymous wrote:
Thank you for your response. Yes, I am aware that Macys and Macys Amex are two separate lines of credit and getting the Amex version would not close my original account. I have had the original Macy's card for over 11 years and in great standing period I had no reason to open a second card. I was told that the original Macys card had been deactivated for non-use. I was told that the card could be reactivated and that I could proceed with a purchase. I specifically stated that I did not want a second line of credit. I merely wanted the original card reactivated as pledged. Later, I find that I have a Macy's and a Macy's AMEX card in my name. Both Transunion and Equifax report to separate lines of credit. I did not request a second line of credit. Thank you once again.

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Do both the Macy's store line and Macy's AMEX lines show a recent opening date?   As for reactivating your old line, they probably wouldn't have been able to do that if your account had been closed for inactivity for a significant amount of time.

[Anonymous]

The original card was opened in 2005. The newer Macy's AMEX was opened in 2016. Both Trans Union and Equifax showed both accounts as being open lines of credit. I could be wrong, but if one was deactivated for non-use, I would have expected that card to have been listed as closed. I cant hrlp but note your point which i appreciate, but had I known that a new line of credit was being set up, i would have declined. According to the tworld credit bureaus, they two accounts were active until I requested that both cards be cancelled... One recently reported as closed and dropped off the list of open accounts.

[Anonymous]

Just to clarify, both accounts were listed as OPEN and in good standing with Equifax despite one card supposedly being inactive. Had I not requested closure of both accounts, both accounts would still appear as open today.

[Anonymous]

I'm wondering if your old Macys card was auto upgraded so when you reopened the store account it did so and then upgraded you with no fault of the CSR.

[Anonymous]

With retail card and app-ing in store you need to realize that these employees arent really knowledgeable about credit nor the products they are pushing. They are just told to push the credit cards. No offense, but it's kind of on you to be aware and informed. Is it right, no, but its the reality of it. A simple 5 minutes on google would show you that the store card and AMEX are two different products. As for the pressure within the company to sign people up, thats not exclusively Macy's, that all retailers. Everywhere you go cashiers and associates are expected to push the store cards and some even have quotas to meet for apps 

As for your knock on Macy's for credit. I get everyones experience and circumstances are different. Is it the best credit card? By no means is it. But they are generous with CLI, currently at $3000 SL after starting with a $300 SL last June. So they have their benefits and are a pretty decent card to have and work with. 

[Anonymous]

I realize that other companies push for credit accounts to be created. That is a reasonable to expect. Macy's credit offer is not the issue here. As you stated, an associate may not have understood the process. I believe the associate blatantly lied, but if the associate was simply incorrect in their own understanding, that illustrates a failure on Macy's part.