Haverty's Furniture Store Misleading, Scam, Breach of Contract, Witholding Information Madison Tennessee

On May 10, I entered Haverty's to purchase a Sleeper sofa, I completed an application for financing through Haverty's (you can either get financed through Citi Financial or Haverty's and they submitted me through Haverty's).

I completed the credit application, as requested and answered all questions concerning delievery, and completed the directions to my home to deliver the item. The salesman submitted my information and Drivers License to a lady at a desk in the back of the store, after telling me that she would submit my information for approval and if all goes well, this lady would let me know and the sales lady walked away. This lady that is entering my information requested my DL which she already had, after entering my information, the printer began to spit out a document. And she asked me for a down payment which was already explained to me that it would be 25% of my purchase, so that amount was $263.50, which included a $69 delivery fee, she then had me to sign a contract agreement that I agree to the terms offered and would make the monthly payments as agreed. I did that and she put my invoice which contained details and my contract in a holder and gave it to me and said that the furniture would be delivered on Tuesday. The sales lady said bye to me as I exited the store. I was given copies of the contract and a invoice receipt for the requested downpayment and the remianing balance that would be due over the 12 month period contained in this contract.

Approximately an hour and a half or twoo hours later, the lady that had done all this call me on my cell phone and tells me that I was denied financing and that the other option I could take was to do something that is not lay-a-way but kind of like it. Where they would keep the down payment and I pay the balance within 30 days. I told her I didn't want to do that, and that I would be by to see her. I went back to the store to this lady and told her that I was there to get my money back (which I had given her cash) and then tells me that they will be mailing me a check which would take about 3 days. She then tells me that if I want it back quicker to call their an 800# and they may send me an emergency refund. I asked why was I not told any of this before they took my money that this is how it works. My options were to pay cash or give them a credit card and I paid in cash as down payment.

On my way out of the store a salesman stops me and asks what is the matter, I am fuming at this point and I tell him that I got a call that my application was denied so I came back to get my money and this woman tells me that I have to wait 3 days for them to send me a check for my money.

My question is whay do I have to wait when I gave you cash, open the drawer and give me back that cash I just gave you 2 and a half hours ago.

My next question is, why take my money, give me a contract agreement for payments and terms, and financing; take my money than call me later and tell me I am denied, and then back that up with we will send your refund by check in the mail which can take 3 days?

This is a breach of contract with scam tendancies written all over it.

I have read another person's rebuttal on here from a few years ago about the same thing. And there were a lot of responses to that person that showed that none of you truly had any knowledge of what you were talking about.

So with that said, I read all the little writing on the back of the contract and it says nothing about, we take your money before you are approved and if you are not approved will mail you a check for your refund if you are denied financing. So save the read the small print bull on this one.

Haverty's contract agreements for term payments are just that and once signed and money taken on them, they should be honored, not breached.

Lovie2000
Madison, Tennessee
U.S.A.

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