Consumer complaint received 2022-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY (IL)

I am resubmitting a complaint I sent in on XX/XX/2022. The complaint should be sent to TD Retail Card Service. The contact number is XXXX and their address is listed in the body of this complaint. 

I am complaining about the poor experience in the aftermath of purchasing a sofa at XXXX XXXX XXXX on XX/XX/2022. I purchased a sofa from XXXX XXXX XXXX on XX/XX/2022. I applied for a XXXX XXXX XXXX store credit card which I was approved for and I believe the creditor is TD Retail Card Service; Customer Service; XXXX XXXX XXXX ; XXXX SC XXXX. The next day I decided that I no longer wanted the purchase because the furniture is not in stock, there is no scheduled delivery date, and despite this they wanted me to start paying on the furniture without having any idea or promise date of when it was going to be received. The purchase agreement says warehouse stock orders may be cancelled within 24 hours. My purchase was not stocked in the warehouse so based on my interpretation of this agreement this did not apply to me. I contacted XXXX XXXX XXXX on Tuesday XX/XX/XXXX and spoke with the sales person XXXX XXXX and let her know I wanted to cancel the purchase. She told me that cancellations were not allowed, bit she would speak to her manager and get back to me the next day. She did call me back the next day and she told me that i could not cancel. I explained that agreement does not say I can not cancel. I explained that the way I interpreted this agreement it read that warehouse stock orders could be cancelled in 24 hours and since this not a warehouse stock order I should be able to cancel this order since it is not in stock, hasn't been ordered, or scheduled for delivery. She told me that it was a warehouse stock order. I explained that this item is not in stock in any warehouse right now and I do not have delivery date so I am asking you to cancel something that you haven't ordered for me yet. I told her I interpreted the agreement differently. I hung up with her and contacted the manager of the store, XXXX. I explained to XXXX that I wanted to cancel and I gave him the reasons why. He also told me that I had to do it within 24 hours. I explained that technically I was notifying the store within 24 business hours because Sunday was not a business day and Monday the store was closed. I told him the only reason I did not contact you on Monday is because you were closed for business. He stated Sunday was a business day for them and although the store was closed on Monday, people were still there so I could have called on Monday. While trying to explain to him my interpretation of the agreement he hung up on me. I wasn't expecting him to be nasty and rude about this, but it was at this point that it became clear what type of business I was dealing with. I contacted the number on the back of the credit application, spoke with a person named XXXX and requested that she cancel the XXXX XXXX XXXX Credit Card. I will not be doing business with them. I do want their couch or anything else from them. I will not be paying for a purchase that I will not be receiving. The bottom line is that the purchase agreement can be interpreted more than one way. I do not want the sofa so i am voiding the agreement with XXXX  no payements will be made toward this because I am not accepting receipt of the merchandise. Shame on XXXX XXXX XXXX and their XXXX customer service skills.