TRS Home Furnishings / Harassment and unauthorized transaction
BEWARE if you are in dire need or just want to buy new furniture. TRS Furnishings is actually a collection agency as described by the Better Business Bureau! Sometimes people want to buy something new because their credit is not up to par. I was given the option to pay a "90 day same as cash". I bought a sofa and loveseat and was told that one item would be credited as such with the overage I was paying (aside from the payment). The manager at that time was Hugo. Hugo would never give me an itemized statement; I had to go to the store and demand it. After speaking to him a while, he threw it in the trash can. As I walked out the doors, I returned and asked him for that print-out. Hugo said I would not understand it if I tried. Everytime I asked for my balance, Hugo said he did not know because of the way the computer's info was organized (or should I say disorganized). The furniture sale was a little over $2000 to include taxes. I was left with a $700 balance and I decided I could not make the 90 day same as cash deal. Hugo said he never told me it would be applied to one of the items. That was in about February this year. My balance to this date is $1400.00. This is after $750.00+ in payments. Someone took it upon themselves to run my credit card, so I was left owing the bank $75.00 for three returned checks. Hugo said he would credit my account and would send me a letter. Low (very low) and behold, Hugo no longer works there and neither does the girl who ran my card. The new manager (John) called and gave me credit for the month of July which I did not pay. He said to pay my August payment. When I asked what my balance was at that point, he said it was $1400.00. Wow!
Read everything that you sign! $2, 000+ on furniture plus rental fees and what they call "report your good credit to the credit bureau" fees apply each month, making your grand total after a 2 year agreement $6, 000 +.
Now the new manager JOHN is harassing me. After a conversation with him on the phone I hung up on him. No sense in arguing about the same thing over and over. John said that the constable was going to pick up my furniture after they turn my account over to their attorneys. It is my understanding that a collection agency is not to make threats like this until it actually goes to court and the judge listens to both sides of the story.
I need to see if anyone has had this type of problem with this company and how you handled it. It is awful that companies such as these can prey on people who have credit problems. Not all of us are deadbeats! Some of us go through bad divorces that leave one in a not so good situation financially. At this point, I am afraid to make a payment for fear that they will take money out of my bank; Money that is waiting to be cashed for utility bills or house payment.