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Approximate figures compiled from public sources.
CFPB Complaints
700
LowAvg. Hold Time
~12 min
Return Policy
90 days
90 days most items; 30 days on furniture and area rugs; 365 days for Home Depot credit card holders on some items.
Federal protections that apply to Retail companies
Fair Credit Billing Act
15 U.S.C. § 1666 (amendment to Truth in Lending Act)
Protects consumers from unfair billing practices on credit accounts. Gives the right to dispute billing errors within 60 days. Creditors must acknowledge disputes within 30 days and resolve within 2 billing cycles (max 90 days). Charges in dispute cannot be reported as delinquent during investigation.
FTC Cooling-Off Rule
16 CFR Part 429
Gives consumers 3 business days to cancel purchases of $25 or more made at a location that is not the seller's permanent place of business (door-to-door sales, trade shows, etc.). Seller must provide a cancellation form at time of sale. Does not apply to online, mail, or telephone purchases.
Telephone Consumer Protection Act (TCPA)
47 U.S.C. § 227
Restricts telemarketing calls, auto-dialed calls, prerecorded calls, and text messages. Requires prior express consent for marketing communications. Consumers can sue for $500-$1,500 per violation. Established the National Do Not Call Registry.
Magnuson-Moss Warranty Act
15 U.S.C. §§ 2301-2312
Requires manufacturers and sellers who offer written warranties on consumer products to provide clear and detailed information about warranty coverage. Prevents companies from voiding warranties for using third-party parts or services. Gives consumers the right to sue for breach of warranty and recover attorney fees.
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