On April 21, I entered into a contract with Havertys to purchase furniture. I completed the credit application, as requested and answered all questions concerning delievery. The salesman obtain whatever approvals were needed on site and through their computer check. I was approved for the purchase. The salesman came back to me and escorted me to the business office to sign the contract agreement for 1599.85. I had to pay $320 down. I was given copies of the contract and a receipt for the requested downpayment.
On Sunday April 22, I received a call from the store sales consultant, informing me that my credit had been denied. I told him that I had a contract, which had been approved and they had requested and taken my downpayment. He informed me that I would have to call their credit office to get information and he gave me an 800#. He had no knowledge of what the problems was, but my credit approval was probationary. I told him that I was not told this at the store and if that was the case why was it not mentioned.My options were to pay cash or give them a credit card. I told the salesman not to change the delivery date of 4/28. As I was talking to this saleman, he ended the conversation and hung up.
I checked my account balance today(4/24) and the amount of $320 has cleared my account. I was able to visit three other Havertys stores in NC;SC;GA. I ask the salespeople the procedure concerning their credit applications and it was the same across the board. Customer fills it out, they run it through, if approved, customer gets purchases on contract.
I did share my story with one Havertys office person and she laughed at first, than said "something is wrong there".
I think she is right about that.