If only I could give 0 stars. I paid off my account on in January, with Dillard's cashing the check on 1/7/25. I received a letter that my account was paid in full. Well, the next month I received a notice my account was past due. I called, and was told I needed to fax a copy of the cashed cashier's check from my bank. I faxed the requested information and I was told the dispute to my account would be handled. I get another letter from Dillard's saying that the dispute had been closed, and I owed the $1000. The next day my credit report was 70 points down because Dillard's reported I was over 90 days late (mind you I had been calling and monitoring the situation and I was told they would not report the payment because it was their issue). I was told to fax the information again regarding the payment, and I called to to ensure they got the information. I spoke to a lady on the phone and I told her about the dispute, the credit report issue, etc. to which she replied I should just pay the account off again, and Dillard's would return any monies that I was owed! It is now April 9, and the dispute has finally been taken care of, however, Dillard's has failed to report to credit bureau that it was their mistake. Please stay away!