Consumer complaint received 2018-11-02
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
To Whom It May Concern, I, XXXX XXXX, bought a couch set from Raymour and Flanigan XX/XX/2018. The couch price was {$5300.00}. The first delivery that was scheduled was on XX/XX/2018. When the delivery came the couch was the wrong color and the delivery was again rescheduled for XX/XX/2018. After the couch was delivered on XX/XX/2018 my wife and I noticed there was an issue with the workmanship and the quality of XXXXne of the couch pieces the nonreclining seat. I immediately called the store and notified them by email : I just got it today ... The cushion padding is not fully filled. The leather looks stretched and wrinkled. The chair size in more narrow than the rest of the set. The armless chair does not seem to go with the setit looks different from other pieces. 
Allso I provide pictures of bad piece ... 
On XX/XX/2018 I noticed that the couch backing began to rip and that the couch legs would wobble even if the legs were on the carpet. On XX/XX/2018 I personally went to the store 's XXXX, XXXX XXXX, and told him I want to return the couch set because of poor quality and workmanship. I was told by XXXX that Raymour and Flanigan does not except returns or exchanges. I was never informed, when I bought the couch, that Raymour and Flanigan does not except returns. I was sold a Platinum Warranty coverage I was told that everything was covered, except for food and animal urine/feces. I feel I was taken advantage of because XXXX is my second language and no one explained the Refund policy to my wife or me. I tried to explain to him that the reason I want to return the couch was due to poor quality and I paid over {$5300.00} and expected a well crafted piece of furniture, he however, said he needed to contact corporate to see what could be done. He gave me an option of returning the couch with a 20 % restocking fee, however, why should I pay a restocking fee for a poorly made piece of furniture? I want to return the couch not because I changed my mind, but because of the quality of the piece that was sold to me. XXXX went on to say he will schedule a repair technician to come and assess the couch, on XX/XX/XXXX, however, I am worried that Raymour and Flanigan just prolonging time and after the inspection I will be told I can not return the couch. I want to return the couch and I think Raymour and Flanigan should relook at their return policy and do exceptions if the pieces they sell are poor quality. 
I want return this furniture and full refund, I do not want a couch that is of such poor quality standard. I feel, Raymour and Flanigan took advantage of me. I was never explained the return policy, I was never told the terms and conditions. I believe it was the responsibility of the sales associate to explain and inform me. However, I am not returning the couch due to me changing my mind, I am returning it because of the poor quality. 
As I understand I should be covered under the Pennsylvania Unfair Trade Practices and Consumer Protection Law ( UTRCPL ) .I think during my purchase salesman and representatives of Raymour and Flanigan mades : violations of the Unfair Trade Practices and Consumer Protection Law and 2 ) Negligent Misrepresentation. 
UTPCPL Violations Pennsylvanias Unfair Trade Practices and Consumer Protection Law ( UTPCPL ), 73 P.S. 201-1, et seq. protects consumers from abusive business practices, such as Raymour and Flanigan. Specifically, the UTPCPL prohibits [ u ] nfair methods of competition and unfair or deceptive acts or practices in the conduct of any trade or commerce. 73 P.S. 201-3. Unfair or deceptive acts or practices are defined by the UTPCPL to include [ e ] ngaging in anyfraudulent or deceptive conduct which creates a likelihood of confusion or of misunderstanding. 73 P.S. 201-2 ( 4 ) ( xxi ). 
Here, Raymour and Flanigan engaged in deceptive conduct by using knowingly inaccurate information to sell furniture to unsuspecting consumers. I spent over XXXX XXXX for poor quality product. This is a classic case of false advertising ; a bait and switch. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief