I like MOR Furniture and have enjoyed my 2018 purchase of a classy dining room table and a fun "house bed" for my daughter. I do not like, however, where they extend their line (TD Bank) of credit and I had to post to help get the word out to prevent future customers from also being taken advantage of, stolen from, lied to and potentially have their credit score affected.
We made our purchase in the Spring of 2018. When talking with the sales rep, we were informed of the 0% financing for six months. We figured, why not, and paid all but $1200 of the bill. I then set up through Bank of America six payments of $1200 to TD Bank, starting in April of 2018 to September of 2018. All payments were completed and after getting the six monthly account statements from MOR/TD Bank, I did not receive any correspondence from either company following the processing of the final payment.
Fast forward to July 2, 2019. An awful human being called me from something called "Admin Recovery, " called me delinquent and said that I do not pay my bills, asked for my social security number and demanded that I pay him $350 after "multiple attempts" have been made to collect. Knowing that I have a sterling credit score and have never missed a payment on anything in my life, I knew it was a mistake and/or scam. This person was VERY RUDE, very insulting, very loud and would not give me any information - just demanded money that I allegedly owed - but then did mention MOR Furniture. Finally, something I can look into. I ended my "conversation" with this rude gentleman whom continued to yell at me and demand money. I then called MOR, had them look up my information...and they transferred me to, wait for it, Admin Recovery and the same gentleman. I again ended my call. Called MOR again, transferred to TD Bank and was about to be transferred to Admin Recovery when I asked to speak to the agent's supervisor. I was transferred over and was about to be transferred to Admin Recovery when I again, asked to speak to that agent's supervisor.
We looked into the situation (finally after 45 minutes to an hour on the line) and discovered that my final payment arrived late. They sent one final bill in October (allegedly) and had it returned to them with the verbiage "moved, return to sender on it, " which they notated on my account and never sent another statement. Never called...never emailed...never texted...all of which they have as they collected ALL of my contact information when agreeing to this deal. I have not moved and have lived in the same location for half a decade. All the while, they were charging interest and late fees on the remaining balance until it got to $356.54 and they decided to send it to a collections agency. Realizing the egregious error by the bank, they said I would be placed in a manager's queue and contacted on July 4. I mentioned that that is a holiday, and they said you should be called by July 4, the fifth at the latest. No such call ever was made.
I gave it time and waited a week until July 11. Called again...same thing, attempt to transfer to Admin Recovery...the request to speak to a supervisor...the second request until finally talking to someone that could help. Another hour plus on the phone and telling the same story over and over again and asking for assistance in fixing this error. Once again, "we see the problem and will place you in a manager queue. Please give it a week or two before we contact you." Same thing, two weeks pass and I call back...same thing, threaten to transfer to Admin Recovery...request to speak to supervisor etc...This time, and I finally got upset, was informed that I was left a voicemail on July 25. This never occurred. No voicemail, no missed call...nothing. Just more lies. I confirmed the number they had on the account was correct. They just lied. I was once again put in the manager's queue and told to expect a call in the next 1-2 weeks. Once again...no call and we are in August now. Meanwhile, Admin Recovery is continuing their threatening and harassing phone calls.
Finally, in late August, I once again called (after not receiving ANY call back, any email, any text, not even messenger pigeons) from MOR/TD Bank since our last bill in Sept. of 2018. Same thing, threatened to transfer to Admin Recovery, I have to ask to speak to a supervisor, then a second supervisor before finally getting someone to help. And guess what? They actually tried something. They were getting the account BACK from the Collection Agency - so that I can pay TD Bank the outstanding balance. Over Labor Day weekend, I got a letter I had to sign for, it was the letter from Admin Recovery and ALL OF THE STATEMENTS from Oct. 2018 to present that I had never seen, never been sent (via US Mail, email, text, anything!). Not wanting to deal with this any longer, I simply paid TD Bank the $356.54. There was never an apology. This was one of the most unprofessional encounters I have ever had. Beware!