Dell Finance

I purchased my computer on 12/21. Dell gave me an estimated shipping date of 1/23. I received and email from Dell on 1/16 saying they were out of the 650 hard drives, but they wanted to downgrade me to a 500 for $70 dollars cheaper. I received a new email on 1/19 saying my order won't be shipped in 1/26.

I called the Customer Care Dept on 1/24 to authorize my order to ship. However, I was told my order had to go back in to production so my order will be delayed again. I requested to speak to a supervisor. I was told there was no one available, so I requested a call back I never got that. I called today again about the computer I was told by the Verification dept. that they can't verify my identity so I could not use the pre-approved credit of $1,200. However, they had no problem taking a credit card number from me for payment.

I have been paying on a $2500 DFS bill for three years. I have always paid over the minimum payment. I called the other day to obtain my balance as they have not sent me any paperless statements in quite some time. I learned that I still have an outstanding balance of $1477.28. I have not been able to talk to a live person to have them send me statements and that portion of their website always goes to error. I did manage to get someone to answer my email only for them to tell me to go to the website to get the statements. I do not believe that I still owe them this much money. I believe they owe me money. If I stop paying though, it will ruin my credit. Please help.

I bought a laptop and a MP3 player from Dell. I have been making payments above and beyond my min due. Yes, it's going down but the thing I noticed that in June of 2011 they raised my interest rate to 27.24 % from 21.9% and the account has been closed since 2009 because they felt my credit ratio was too high, even though I have never missed a payment and everything is on time and more than min due. I asked them how they can do that and they said they can reprice anytime they want because they closed it so they do not have to give me a chance to opt out. they said they sent me a letter but didn't. Its not on my statements anywhere either which they said it was. What can I do?

Dell took an unauthorized double payment from my bank account. They claimed that I authorized this payment through my email at 4:50 in the morning. I am not even awake at that time. My bank account is now short by the payment amount. This is fraud and will be reported to the attorney general's office.

I have an eBill sent every month from Dell to my financial institution. I pay it on time as it states, but I got an email after the fact stating the amount is totally different. So I ended up incurring a late charge almost every month for not paying the total amount due. Dell has been doing this for years. I finally had enough and called them, only to be told by a representative that my due amount is different than my eBill amount and my auto email alert. Of course by this time, I am at a loss. I owe Dell, but this is ridiculous. I know it is intentionally happening based upon previous entries to this site.

I ordered a Dell laptop computer in July 2011 and I am now having a problem in paying the bill. I first paid it online in August 2011. Then, I received an email stating that they were unsuccessful in processing my electronic payment because it was the wrong account number. After that, I paid the bill through the representative. This month, I get the same email telling me the same thing about my account. These people who work for Dell do not know what they are doing, and my credit could be in jeopardy because of their incompetence. This is ridiculous. From now on, I will send my payment in the mail until this bill gets paid off.

I applied for a credit on line on a Sunday and got a notice that I had to call the financial customer service about something. I called the number they gave me and got shuffled around to people that can't speak English, until someone finally told me that financial people are not there on Sunday. I called on Monday and got the same response. I was shuffled around the pre-recorded messages. Finally, I got a real person who couldn't speak English and couldn't help me but said that someone would contact me within two hours. It didn't happen.

I got a robotic phone call the next day, telling me to call Dell to finish my application. I tried to get someone at the number they furnished and gave up. I got a denial of credit because they couldn't prove who I am. I have purchased three Dell computers and have financed two of them through Dell. But after that experience, I will never purchase another Dell product. If they are so hard up for money that they can't afford an American call center, I can't afford to buy their products.

I purchased 4 laptops with Dell Financial Services and they were paid in full within a year. A year later, Dell added a subscription without my permission and continued to add fines on the bill. Dell sent that to a collection agency and I paid to the collection agency as they were threatening to report me to credit bureaus. Again, Dell opened a Dell preferred account on my name and I came to know about this when I started getting welcome messages. I called and emailed. Dell stated to show their typical nature, that lack of inter and intra-department organization, and sending me so many different and totally irrelevant answers even without reading my emails properly. Its funny and scary that Dell has rights to open an account on my name. Now I am looking for legal support and will ask Dell to pay me for the time I wasted and opening an account in my name using my old records.

I am writing to inform you of some trouble I have been having with Dell financial. I have always had an auto pay setup on my account but every month, Dell hits me with a late fee of 34 dollars. I called Dell about the problem several times but they keep blowing me off. So now I am forced to stop making payments on this account.

I made a balance transfer to Dell financial on July 19, 2011 to pay off my account. I have been receiving calls daily from Dell insisting that I pay to have my account brought up-to-date. They don't seem to have their act together at all.

I received a phone call from Dell requesting payment on my Dell Preferred Account. What account? Name was right, phone number was right; wrong address, wrong birth date, wrong social security number and wrong email address.

I've emailed Dell Financial Services several times with the standard runaround. I can't access the bogus account because it's not my information. Dell wants me to pay $1,100 when it's not my account.

I got a call from Dell Financial demanding my bank account number. I felt confused and replied, "You've got the wrong person. I don't have a billing account with you. Plus, I would never give financial information over the phone to anybody." The employee was very rude and insisted again that I give my bank account number. I asked, "Okay, if you have a billing account for me, what is the number of the account?" She said, "if you give me your bank account number, then I will confirm your billing account." I replied, "This is scam, don't call me again," and I hung up.

Since then, they phoned me a dozen times per day, starting at 7:00 a.m. but they would never leave a message. Phone harassment is illegal! Today, I got a bill in the mail from Dell stating, "Your recent payment has been returned by your bank and your account is past due in the amount of $.01 and a fee of $25.00 has been added to your account. " I screamed out loud! They claimed that I owe them one penny plus $25 fee. I have no billing account with them and they have never taken any money from my bank because they don't even know my bank account number (as per phone conversation with them). They are trying to extort money I do not owe them!

So, I researched the Internet on complaints against Dell Financial and found this website: **. Dell has been charged with the following criminal offenses and have been ordered to pay almost $200 million in damages, with more lawsuits pending a total of over $500 million to victims!

List of Dell's criminal offenses:

20) Illegal Phone Harassment

Please warn all your family and friends to never do business with Dell Financial and never believe any claims they make against you. They mail false bills trying to extort money from innocent victims. Dell Financial is a criminal organization!

September 2010, we bought our house. As per the loan, we had the bank pay off a couple of our credit lines to make the debt to income ratio better. One of them was our Dell Financial account. Then early this year (2011), we got a letter in the mail and an email from the same lady at Dell Financial saying that we had overpaid and there was an outstanding balance of $1679.47 owed to us. They also asked if we wanted to make a purchase or take the refund check. Since we had more bills that could be paid to make life easier, we took the refund check. We figured the bank overpaid (which isn't too uncommon) and they wanted it resolved.

Fast forward to a couple weeks ago in August '11, we got two statements in the mail from Dell Financial at the same time. They had been sent to our old address even though they had sent the check to the new address. They billed us for the amount they had refunded us 2 months prior. In addition, they are also charging us 27.24% interest and a late fee since we didn't see the statement until 2 months. I called and called. Every single number links to an out of the country customer service person who puts you on hold countless times and then tells you there is nobody else you can speak to and that there is no number you can call for escalations.

The customer service floor supervisor (Damian) did say that it was their error and he apologized but his hands were tied. I finally did get an email address. With another barrage of emails from myself, I still haven't gotten anywhere. You get a pasted apology about your time and such and then in the middle, they just tell me there is nothing that they can do.

I purchased a Dell computer in November 2004. I have been making payments of $41 per month since then. The computer originally cost $1300. The balance is still $1300. I have been unable to find out what the interest rate they are charging me with, but it has to be astronomical. The computer no longer works (hasn't for quite a while). I offered to send it back to them, but they don't respond.

I ordered a computer in 2004. The customer service rep convinced me that I needed the more expensive model since I qualified for the credit. The computer lasted about 3 years so I have been paying and still owe $995 for something I haven't been able to use.

I bought a computer like 6 years ago and I was paying to dell. The computer was damaged and when I called to get it fixed or changed, they said I have to pay for it. So I asked them how much would it be? They said that they have no idea but could be $250.00, and then I continue paying. But later on, I was in a deplorable situation. I was not able to send payment on time, they charged late fees plus over interest on interest. The computer costs $1,280.00 and I paid almost $1,200.00. But then when the collection agency asked me to send another payment, they are now asking for more than the value of the computer. I asked then to make a settlement, but they did not gave me a good settlement.

I got a Dell PC in 2003 for $299 as I've seen it on TV. By the time they got through with financing, it will end up like I'm paying $799 for it. I'm sending in my payment but it all go to paying interest rates.

I opened an account with Dell Financial about three years ago when I purchased a desktop computer, which I no longer have by the way because it crashed on me. So now I'm paying for a computer I no longer have. I was making my monthly payments on time in the amount of 65.00 up until just recently, maybe January 2011. I lost my job, I have no other source of income and I tried explaining this to the person at DFS and they just don't seem to care.

Ive written letters, emailed, phone calls explaining my situation and that I don't want my account to get behind and I'm trying to do what I can to make payments and is there anything that can be worked out but they refuse to work with me. They refused to work with CareOne my debt management company I was working with to try and get my debt under control since I wasn't making any money. I mean they are unbelievable. They just tell me to call the collection number but that doesn't help because they don't work with you.

And when I was working and able to make my payments of 65.00 it felt like my balance never really went down. It was ridiculous! Now I'm 600 dollars behind in payments making me over my limit and they refuse to work with me or help me. They even raised my minimum balance to 77 dollars a month!! I mean this unbelievable. If I can't pay 65 how the hell am I going to pay 77.00??!!! I had been a customer as well as my parents and this is how I'm treated. I learned the hard way to never open an account with Dell. Now I'm behind, my credit is screwed, and I'm screwed. I was trying to work with them so they could get money and my credit wouldn't be ruined but they don't seem to care one bit. So i guess they will get their money when I can give it to them. Who knows when that will be. I'm even thinking of filing a law suit against them.

Dell is horrible. They are so quick to let you open an account and purchase their product but when it comes to the customer needing help they turn a deaf ear. Shame on you Dell, Ill never buy from you again and Ill make sure everyone I know doesn't either.

I am writing for the fourth and last time in regards to my Dell account. I have been writing and talking with their representatives for two years and have yet to get a response to a letter or the proper action from a representative. My account ends in **; I do not even know the whole account number as I have no statements!

I have requested for approximately two years to receive paper statements. I have requested for the same amount of time to receive a ledger of all payments, charges, and fees on this account since its inception. I have never received a response to my three prior letters. Your reps on the phone have assured me I would now receive mail statements and that they would mail a copy of all transactions. I still received no paper statement, and I have never seen the transaction history.

When I last spoke to a representative on the phone, I told them I was making my last payment until I received the requested information. He thanked me for the payment and assured me the info and paper statements were forthcoming. I asked to speak to a manager, and he refused to let me do so. I have not received either, and I have not made a payment.

According to my records, I have paid for this machine approximately 3 times over. It has not been functional for over a year after my replacing two hard drives. In addition, I was supposed to receive a $200.00 rebate when I purchased it. I never did, despite repeated emails to customer service.

I would be happy to work with DFS to resolve this issue in a mutually beneficial way. I would like a letter from someone in response with a direct number so we can resolve this issue asap. Your customer service has been abysmal, but I hold out hope that someone at Dell still cares about the customer.

I started a Dell preferred account about 3 years ago. I made 2 purchases on it and about 1 year ago I called to order some toner for my printer on my account. As I was talking to the representative, he put me on hold and then came back on the line and informed me that I couldn't make a purchase on my account. My account has a $2,500 limit and my balance was only $600 and change. I asked him why I couldn't, and he said that based on my credit check, I can't purchase anything on the account. I asked him what he meant by "credit check", and he said that he ran a credit check. He did not inform me that he was running a credit check on me so I was surprised that this was done. I questioned him on it and he said that it was standard procedure regardless if you have an account or not. I then asked for a supervisor and when they came on the phone, he said that that was the standard practice. I was angry and hung up.

Today, I was called by Dell Financial Services, asked to make a payment of $15 and change to bring my account up to date. I asked them how it could not be up to date when the payment comes out of my account every month for the amount they require. She informed me that Dell ran a credit check on me and based on that check, they lowered my preferred account limit to $630 dollars, and because my balance was $645, I was now over my limit.

I do not think that this is a legal practice, checking someone's credit without their consent, then lowering an existing credit limit below an owed balance and asking a customer to get it caught up because its now over.

I informed the Dell representative that called me that I was not authorizing Dell to take any more money out of my account than what I authorized when I set it up, which is the monthly payment of around $19 and that I expected to see only that come out on the 4th or 5th when it is due.

I purchased a laptop from Dell back in 2004 for about $800. I used the computer for a little over six months to a year and then it got overheated and would not work. I called Dell tech support to assist me with the problem and they basically blew me off saying I have to pay for the repair because I was out of warranty. It has been a constant battle since 2004. As a result to that, I stopped making my monthly payments to them because I refused to pay for a manufacture defective equipment.

On the end of December 2010, I purchased a Dell laptop online for approximately $648.59 including taxes. After applying online with Finance, I was approved. I was happy, on the 2nd week of January 2011, when I received the laptop. It was not exactly the same as the one I ordered but I accepted it. The problem was I did not receive any of the software I paid for. So I called Dell then they sent me a Window 7 OS on January 28, 2010.

On January 29, Saturday morning at 8 AM, I received a call from Mac of Dell Financial Customer Service. He was very rude and aggressive in the way he was told me that the bank account I provided was invalid. He said that they need the payment and I told him that I will send it and if he can please tell me how much it is. He gave me an amount and it was $706.59 so I asked him why I am charged $706.59 when the cost was only $648.59. He told me that I have to pay the interest.

I told him that I just received the order and asked why they started charging me with an interest. He told me that if I send the full amount by February 09, 2010, there will be more charges. So I told him that I will send a full amount of $706.59 check by February 09, 2011 and asked to not call me at 8 AM and wake me up.

After talking to him, I went to bed and he called me again and hangup. 15 minutes later, the lady Gloria called me again and started asking for my name and home phone number. I asked her why she is calling me again when I already talked to Mac and told her to not call me again.

Now, every morning they start calling my home two to three times and wake up my mother, who has cancer and sometimes can't sleep at night so she sleeps in the morning.

Even I sent them a check and I am still being harassed and abused by the Dell Financial Service staff and I haven't received my Microsoft software yet.

This kind of abuse and harassment by Dell Financial Service, charging me too much interest and harassing my family by phone, makes me ask why. I need someone to tell me why we are continuously harassed by the Dell Financial Service staff.

My name is Donna M. **. I live in Spring Hill, Tennessee. In January of 2009 I purchased a laptop and other peripherals using Dell Finance for the first time. My account, which is in my husband's name, was set up with a variable interest rate (something else which was not clearly communicated to me). So I opened an account with Dell Financial in the first month of 2009 and have been making monthly payments to them ever since; always sooner than the due date and, most often, in amounts greater than the suggested minimum amount.

As I recall, at the time of purchase, I was told some of the hardware I purchased from Dell qualified for interest free payments for nine months. I did not ask for this service, but in the way I was told I was made to believe this was a marketing ploy -- an incentive to do business with them. I made several payments above the minimum amount required hoping to take advantage of the interest free period. Most recently, I've been a bit concerned that, after nearly two years of making payments, the principle did not seem to decrease as I thought it should.

Upon reviewing my records to determine just how much of my payments over time went to interest, I realized Dell accumulated the interest that would have been paid during the interest free period and then added the amount ($300.08) to my principal in the tenth month. Dell Financial has been charging interest on that amount for more than 12 months! This means I've been charged interest on the interest. The monthly statements are misleading and the amounts and calculations are complicated, making the statement difficult to understand (I can provide a statement example and accompanying notes upon request).

I called Dell for help in determining how they derived at the amounts found on the statement(s), but even the representative couldn't get his calculations to produce the same numbers as found on the statement (I called today, December 30, 2010). I believe account activity throughout any given month and the fact that the interest rate is variable complicates the ability to reproduce their determinations. I now find the statements during the interest free period (i.e. January through September) misleading because the line for the interest-free amount is titled, "No Interest 9 months". Also, the columns on that line: "Balance Subject to Finance Charge" and "Finance Charges" shows the amount as zero. There is a column for Deferred Finance Charges, which is the column that increases each month during the interest-free period.

No Balance Subject to Finance charges is shown and only the accumulated amount is offered. One can only determine the amount added each month by subtracting the amount from the previous month's amount. How they arrive at the increased amount is a mystery. I was beside myself when I discovered what they had done. After some thought, I decided to peruse the internet to see if anyone else had experienced the same thing. That's when I came across ConsumerAffairs.com.

I realize this specific instance happened almost over a year ago, and for that I am completely embarrassed and mad at myself for not examining my statements in greater detail before now. At the same time, you assume these financial institutions operate above the ethics of common criminals. It has been my long-standing belief that the only time interest would be charged on interest on an account like this one would be when one is behind in payments. It never occurred to me to even suspect such shifty practice.I am angry and feeling violated, what can I do now?

I set up an auto-pay through DFS (Dell Financial Services) in late 2008 for my account. About six months later, they double-billed me $151.00, so I called them. The representative had one of the charges reversed, and I thought everything was fine. Next time around, they double-billed me again.

I called and was told that I had set up two separate bill-pays at $151.00 each. News to me! I told them to stop one of the bill pays, which they did. They still got an extra payment, but I thought it wasn't worth fighting over. Later, I moved my banking to a credit union, and set up the auto-pay there. After a few months, due to other financial circumstances, I called and had the auto-pay cancelled. Next month, they billed me, making my account overdrawn. I called again, and told them to stop charging my account, that I would be paying by check through another account.

They said okay, so I sent a check the following month. They billed me again in my credit union account, but there was only $20 in it, so the payment did not go through. The credit union charged me $30 for ISF, and overdrew the account. I called the credit union, and they fixed it. I called DFS again, and they refused to help. I ended up having to go to my bank and do an ACH stop payment to resolve this.

I received a copy of my credit report on November 8, 2010 showing that I had a delinquent payment as of March 2007 in the amount of $355.00 on my past Dell account. This is impossible because in April, May, June, July, August, September and November of 2007, payments were made on time on my account. On December 10th of 2007, a payment of $570.00 was sent in on the account which owed an amount of approximately $230.00. It was mailed to Dell in January 2007 and this paid off the full amount of the account.

After paying off the account, I never received any bill from Dell stating that money were still owed on the account. Unlike what a creditor usually does, they never called my home stating that there was still an outstanding balance. I have been trying to contact Dell Financial to have this matter cleared up right away because it is affecting my credit score but they continually transfer me from one department to another. They are claiming that they would have someone to call me back within 24 to 48 hours.

What I do not understand is how the account became delinquent as of March of 2007, whereas, a payment of $570.00 was mailed to them on December 10th of 2007 and a final payment of approximately $230.00 was mailed to them in January of 2008 paying the account off in full. Also in 2008, I called Dell and ordered 1 black and 1 colored ink cartridges for my printer with my Dell credit card and they did not mention that my account was delinquent. Your assistance in this matter would be much appreciated. Thank you.

I am writing this with regards to a news article that someone informed me of and I researched on the Internet about a settlement with Dell Computers in regards to its no interest financing . The article stated that for further settlement help, contact the attorney-general of your state which I am doing now.

I have just received a copy of my credit report, which I was told had the negative data on it and it is from Dell about my Dell computer purchase that I originally made on 09/15/07. When I purchased the computer, I was told that I had 6 months with no interest, no payment and that when the grace period was up, that I could pay my full balance due prior to the date with my Mastercard.

To sum up my complaint, from that time on, I have been constantly in contact with Dell, Dell Financial Services, account resolutions, and numerous Customer Services about my plan. It was all a bait and switch program and after numerous attempts to resolve this issue, I paid my balance in full within the 6 months, but Dell kept adding Late Charges and Interest to my account which I had closed.

To sum it up, I have over a 2" stack of paper work worth of phone calls, emails, letters, complaints, Better Business Bureau Case ID # 90134785, etc and after talking with foreigners who were programmed as robots, I finally sent my last complaint in on 09/28/08 and since I received no more from Dell. I thought this was all over until I received notice of the negative comment on my credit report. I have spent so much time and efforts to clear this up only to have my credit tarnished by Dell. I feel that I am entitled to monetary compensation for all of my time, efforts, frustration, and now the damage to my credit, which I want cleared up.

We lease several computers through DFS. They had our address wrong on one of our computer leases so we did not receive the invoices. I tried many times to correct the address error. Each time, I was assured it was corrected, but it took over 9 months to actually correct. When our payment was late, due to not receiving the invoice, we would get daily calls from collections that bordered on harassment. Each time, I would explain that if they sent me an invoice, I would pay promptly. Each time, I was told that the invoice is just a courtesy and I need to pay with or without it. So, I sent payment for this account without the pay stub but referencing the account number on the check, and they misallocated the money to another one of our accounts. Then the collections calls started again.

Every day I had to explain the situation to someone new, since apparently, they don't take notes on the conversations. Finally, they discovered the misallocation and said that to correct it, I needed to send a letter authorizing them to transfer the money to the correct account and a copy of the front and back of the original check. I don't understand why I had to go through all the extra work and effort when this was 100% their error from the beginning.

I paid all of my invoices on time and paid even without the invoice, yet I was treated like a criminal and harassed for money that I had already paid. The icing on the cake is that I asked to make a formal complaint to corporate and was told that they do not take complaints!

Absolutely abysmal customer service. The worst I've ever experienced. Today, it took them over an hour just to find my lease and give me my outstanding balance (which I promptly paid off). I have another lease which was approximately $1500.00 to begin with. My payment is $41.45 per month. They have called me on 4 separate occasions for being late. I asked how long and in each instance it was 5-6 days. What was particularly aggravating was the fact that I had sent them my authorization to draft my checking at the very beginning of the lease and then on three additional occasions thereafter still with no draft occurring. In my last "collection" call, I went ahead and gave them my debit card to theoretically bring the account current.

On that very same day, guess what, the autodraft also drafts my account. Do you think they'd let me know that it was in effect when we spoke? Of course not, they didn't have a clue. Nor did they refund the overpayment that resulted from their ineptitude. If you like Dell equipment, fine. My personal experience is that the equipment fails after approximately 4 years for every computer. Now on my 6th due to my company's poorly though out strategy to require this gear, I have purchased from them. But this lease entity is as poorly organized and staffed as any I have ever experienced. Bottom Line: Buy if you wish, but don't lease from Dell unless you're looking for the worst experience of your life.

I ordered a laptop and a desktop over the course of 2 years (2002/2003) and used DFS for financing on them. I used to receive 2 bills from them and had one paid down to a couple hundred dollars. About 5 years ago, I stopped receiving a bill at all for the lower balance one. I noticed that my other bill had gone up some. But at the time, I didn't think much about it. I was assuming that they combined the 2 loans into one bill. I had a really hard time financially between 2004 and 2005. I had to cut back to part time at work while I was trying to go to school. I ended up being late on several payments in that time period. And my interest rate had shot up to around 29% and I was getting nailed with late charges and fees. Over the past 2 years, I have gotten back on my feet financially. I still struggle from time to time but I have not made a late payment to them in a year.

In February of 2009, I had a balance of around $2800, and my minimum payment was $81. I decided to just setup an automatic payment for $90 each month. I have been doing that since then and now my minimum payment is $58 with a balance of $1912. It has helped a lot by doing this. Also, my limit on the account is $1500. My real issue is that I have tried contacting DFS on a couple of different occasions over the past several months about lowering my interest rate, because I wanted to try and get my balance paid off sooner. They wouldn't listen to me. They just said that my account had been closed and it is not eligible for an interest rate deduction. I have also emailed them and have never received a response from them. It's been 3 months since I emailed.

I can't see why they "can't" lower my interest rate. I have no intention of screwing anyone out of money that is due to them. I feel like I have paid for my negligence with all the fees when I was late and a lot of interest. But I also think that I should not still have to owe almost $2000 when I have been on time and paid extra for almost 2 years with the exception of one month. I am sure that I have paid at least $4000 to them already, and on the pace to pay them a total of almost $7000. Is there anything that I can do, or say that would get cooperation from them on this?

I made a double payment in July 2010 in separate transactions for July and August and I noted which was which on the account. Dell applied both to July and told me that they do not review or recognize notes on the check and have been charging me with late fees for August, September and October. I called the Call Center in September and they will not apply the money correctly and would not remove the 30-day late on my credit bureau.

On about August 5th 2010, I received a call due to a past due account with Dell. This account had been paid in full Nov. 2009. I was informed that there was a charge to account. I proceeded to inform Dell Financial that these charges were un-authorized and demanded that they be removed. Since such time, I have repeatedly tried to resolve this issue by providing proper documentation but to no avail, the issue still exist. It has now been two months and not getting anywhere. What would you suggest my next steps be to resolve this matter? Sincerely, Julie ***

On October 5 2010, I called Dell Financial Services because my invoice has a different business name on it other than my own. I got the same runaround, poor command of the English language. I was told that this business name was the name I had on the contract back in 2007. I asked them to change the information, and to correct it. I was told there was too much paper work involved and would take too long and I just needed to pay my invoice.

Every person they transferred me to, I was either disconnected or they could not help me. At one point I could hear co-workers in the background laughing as this person was giving me information. The person I was talking to was telling me that the system was down and would need to call me in 24-48 hours and the laughing from co-workers started up again the background. It seems like they could care less regarding the consumer, and that they are having fun doing what ever they want.

I asked to speak to a supervisor, I was put on hold. A different person got on the line. I asked if they were the supervisor and they would not confirm that they were and started all over explaining what was wrong with my invoice. Same thing, poor command of the English language. As of October, 6 2010, this problem has not been corrected. I called 6 times on October 5 only to get nowhere with them.

I have had financial difficulties,so when Mr Michael ** called from Dell Financial, we set up payment arrangements and in the course of our conversation, I agreed to have $75.00 taken out of my account on September 30th 2010.

On October 1st, $200.00 was taken out of my account instead. Today, I called and spoke to Michael ** and I told him that I wanted to hear the recording of our conversation. He put me on hold for thirteen minutes while I listened to 'Sea of Love' played over and over again.

When I called him back he put me on hold again then he said that there must be technical difficulties that I could not hear the recording in question. I asked to speak to his supervisor because there is no such recording existing that has my consent to take $200.00 out of my account. He said that he would transfer me to Frank ** but we were disconnected. When I did reach Frank ** he was very rude. He could not produce the recording either and he refused to mail me documentation of the recording. He further said that he would report me as refusing to pay. He claimed that there was another agreement to take $200 and some odd dollars out of my account on the 12th of October. He said Keith ** was his supervisor, but by then I was wondering if they were just passing me around to other co-workers.

The $200.00 has reduced the money in my checking account. I cannot pay rent, so I will have a $50.00 late fee. There are other payment arrangements I made with other creditors. I will no doubt have overdraft fees for those. I was told that I will be reported as refusing to pay. Please advise me as what I can do about this situation.

Next thing you know, Dell is deducting from my bank account for the old and new TV, something their phone rep told me twice would not happen. I called Dell Financial Services, but they said it was against their corporate policy to call Dell Canada (officially they're different companies, though Dell FS only represents Dell Canada) themselves and I had to do it and get some sort of reference number. Only the agent I talked to at Dell Canada and his supervisor "no longer work" there and no other manager would call me back.

Meanwhile, Dell FS was still double-deducting from my account. I called them, they promised to investigate, but never did (Dell Canada must have phone records - they could hear their agent making this deal if they listened to the records) - so I stopped all payments to Dell until they dealt with it, and told them why I was doing so.

They never dealt with it despite about 20 calls, e-mails and faxes from me. Every time someone promised to deal with it, they didn't, and when the 6-month stop payment automatically ended, they immediately started deducting both payments again but unilaterally changed the dates they were withdrawing from my account, at one point causing another check to bounce in that account.

I eventually had to shut down the bank account to keep Dell off it, but stayed in touch with their managers despite their agents calling 8+ times a day and sending about 5 letters a week demanding money even though no one's shown me any adjustment to the original amounts.

Now, I'm still calling them almost every week, but am also getting collection calls. Yet Dell FS admits they have these problems every day. Agents at Dell Canada (in India or wherever the hell they really are) making deals and then not reporting them to Dell FS, and Dell FS reps say they believe this is Dell Canada's mistake. So, why are they not dealing with this and letting their operators and collectors harass me in the meantime?!

I purchased a Dell laptop through their payment plan. Instead of the balance decreasing as payments were made, the balance continued to increase. I tried to discuss this with Dell but they were rude and it did me no good. I sent the computer back to them, yet they continue to demand payment. Why should I pay for a product that was paid for twice over from the payments that were made and still sent back to the company? I refuse to do so! They continue to harass me by letter and by phone. They have turned the account over to a collection agency who continues to harass me by letter and phone.

I purchased a PC from DELL, financing through DELL Financial Services with agreement that balance would be paid by 11/1/10 to avoid finance charges. The payment due date on the first statement was 3/4/09. I setup electronic payments to automatically arrive before the 4th. DFS subsequently changed the due date without getting my acknowledgement or signature, then charged me $39 a month for a late fee. Now, I owe way more than the PC is worth and I have appealed for relief, as I feel that their changing the due date without my acknowledgement is unethical. They have refused to waive the late fees in total, but have given me some nominal relief.

This is an email that I am still trying to send out to DFS. We created our account on 8-10-20010. We tried to purchase 2 XPS desktops at that time and they were eligible for the 15% discount. We were called 2-3 days later and at first, we were told that there was a major problem with verification of the account. My wife was put on hold and when the agent returned, he said that it was something that all new accounts went through and that we would receive a letter in 3-5 days and that we needed to call the number and verify our account.

We got a letter with information about our account but noticed that the wrong apartment number was on the address. We waited til Monday to call and see if this was the letter. It was not. The agent then told us it would be 10 days before the letter reached us. My wife told them the address was wrong. He put her on hold to transfer her to make the address change. She was disconnected. She called back. Disconnected again. Frustrated, she chose to call again the next day. She did. She was disconnected 3 more times that day. We decided to wait and see if we could get the letter.

Later in the week, we noticed our order had been canceled. We did not cancel it. We never got a letter. This was before the 10 days were up, I believe. My wife called again and got someone who actually helped her. He changed our address when all other agents said they could not, sent out another letter which we received this Monday, 8-30-10 , 20 whole days after our initial purchase. We were told that once we called and verified the account Dell would just resend our order. When my wife called to verify, she was told that they could not resend the order and that we would still get the 15% off.

When my wife looked back on delloutlet.com for our computers, they were gone and the 15% discount was ending on the 30th. We were unable to order due to site problems but we did the next day with no 15% off. That's not even the worst part. After I placed the order, I received an email saying our order was on hold. I called the number and was absolutely dumbfounded to hear the agent tell me that we had to wait again another 10 days for the verification letter that my wife talked to someone about and gave the 6 digit number to just the day before.

When I told the agent that before we were allowed to purchase the PCs, I had to give my wife's mother's maiden name and my wife's social security number. What is more personal than a person's SSN? When I told the agent this, she had no clue that I had to do this but it still wasn't enough proof for verification. I also verified my phone number and my wife's phone number. I told her that if we had to wait another 10 days for a letter before these PCs were shipped that we would close our account without spending any money on it.

My wife later called to verify and was told that we had to wait on a letter. She told them that we would not and that we got the letter yesterday and talked to a person yesterday and did the agent want the 6 numbers at the bottom of the letter. The agent took the numbers and said that she would process the order. Guess what, as of 10:30 PM, our order was canceled yet again but only one of our computers this time. The agent told my wife that they just needed to verify the order but only that one computer that was not canceled. My wife told them that we needed both computers and that one was not going to cut it. We finally have had enough of this idiocy and canceled our account. This may not mean much to you at DFS but I can assure you that I will not recommend DFS or Dell for that matter to anyone so they do not have to go thorough the same hassle as us. I will also be posting negative feedback on Epinions and any other outlet I can find. I am very, very unhappy with a company that I used to stand up for.

I really can not believe the hassle that we went through for wanting 2 computers. Never again from Dell. I advise everyone to stay away from them. The support is horrible. I am going to post this on every information source I can.

In 2006 I purchased a Dell computer over the phone. The sales person on the phone told me that the first year would be interest alone, however, it is now 2010 and I am still paying on interest alone. My computer was $800. I now owe $1,857.52 at 27.4% interest. I have paid every bill faithfully and paid on only three late payments the whole period. I paid $45 per month. According to them, by the time I pay this off I will have paid $3200. Ridiculous. For a $800 computer?

I paid my account in full and ask them to close the account. They did not close the account and continued to process the automatic payment that was set up, despite having to refund me for the previous payment. I thought that the account was closed, but instead, I am charged yet again for the auto pay and this time, it creates an overdraft fee. They refuse to do anything about it and say it is my fault for not stopping the automatic payment! This resulted in multiple overdraft charges.

I've always had a Dell computer on my job and just absolutely loved the computer and the company. Now I can't stand the company. Probably because they've hired all these foreigners who can't speak English and read from a script. It's senseless. I started to go with their competitor and I wish I had.

This is my last Dell Computer ever. I would like to join in the class action law suit if there is one. I told them I would be late paying in the month of August 2010 because I was having a few problems. The representative told me it was nothing he could do for me and that he was very sorry. Some consolation. They don't even accept credit card payments so if you get into a bind with your payments, you're just hit. That's no way to run or do business. I guess they think you're not supposed to have financial problems. This is highway robbery and something should be done about this company. What is Michael Dell doing about it? He probably doesn't even know about their practices and probably doesn't care. It's seems as though my balance will never go down. I own a small business (typing business) and purchased a computer for my work. I'm 62 and on a fixed income and can only make so much over social security per month until I turn 66. I don't need all of these hassles and these high bills that I'll never pay off unless I get lottery lucky. This is ludicrous.

This all started in 2006 9/14. I purchased a laptop. From 9/06 -10/25/07 was doubled billed then after 07 was getting my bill spuratilly and then charged huge late fee and financial charges. I've called every time they didn't send a bill and was sent around and no could help. At times it would be 3 months before another bill came. This is still going. I purchased the laptop for 1800 and change, and three years later they erased my charge and raised my credit limit and then started from the new amount of the credit limit. I called and explained to them that so far I have paid over 2399.85 and still have got nothing resolved. I call and get put on hold or told to call else were.

I have made several attempts to have my interest rate with Dell decreased but to no avail. There was only 1 time approximately 1 1/2 years ago when my interest rate was decreased, and that was barely a percentage. I was told they review periodically to determine who qualify for decrease every 6 months. Each time, I am denied for credit reasons. However, Dell has increased the amount on account since having the account without my request.

How is it that I qualify for an increase in spending limit but not a decrease in interest rate? Also, I recently purchased my new home with a historic low rate during these difficult financial times. But if Dell tells the story, my credit is horrible. How is it that my credit card company increased my limit if my credit is horrible? Dell does not want to decrease my interest rate (because they make more money off of me paying at a higher rate). I want this account closed and done. I am sick of their bullying tactics and poor customer service. I tried on several occasions to speak with someone on U.S. soil but to no avail.

All call centers are overseas and are operated by foreigners with poor English and are reading from scripts. At this point, I want to file a class action lawsuit to protect and rescue other Americans who are experiencing the same difficulty with Dell Financial Services. I would like to end my relationship with them. But I am afraid they will try and ruin my credit. I have always paid more than the minimum balance and have never been late ever!

They tried once to say that I had been late. But when I offered to show them all of my states that stated otherwise, the young lady retracted her statement. I want to end my relationship with them, sue, and move on with my life. If you do an accurate search, as I did, I'm sure you can find a lot of customers with complaints against Dell Financial. Please contact me as soon as possible. I hope you will be able to provide assistance. I have continued to pay $150 a month on my Dell account. The minimum payment is $60.00 at the current interest rate of 22% that will take forever to pay off. And I am afraid they will continue to perform these types of practices to other citizens of this country. I also believe they have reversed the one and only interest decrease that was requested. Please help!

I work for a firm and signed a lease to buy an agreement on a Dell laptop. The agreement for this was for 3 years and the payment was going to be a little over $39/month. Last April, my marriage became in question and I became responsible for all my marital bills, as well as my business affairs. I got divorced in September last year. I fell behind on a payment or 2 to Dell as well as many other companies and Dell was able to help me out on a late payment. I still had financial struggles after that time and did my best to make a payment when I could, incurring yet another couple of late payments.

This is where my complaint lies. I noticed after looking at a bill that my late payment being added was for $29, 75% of what my actual payment is. I called in and debated this position as it is an extremely high percentage of my payment. Dell informed me that I signed a contract acknowledging I would pay this late fee if I were late. Whether I signed this contract or not is not my complaint. My issue is that Dell is basically keeping people who struggle from making any ground when their payment doubles due to a late fee.

If my mortgage is late, my late fee is $29. My mortgage is $600 so the late fee is justified in my opinion. This late fee they are assessing people is ridiculous and does not hold any merit. If my mortgage company charged me the percentage that Dell did and I was late, I would have a $450 late charge to my mortgage. I would like this to be looked into and would speak to anyone that wanted more information on this shoddy practice. I have received calls everyday from Dell and some have been very rude. I am also still trying to get back on my feet and have made the balance due to bring my account current and am still receiving calls from them. This has caused some extra hurt to my already beat-up credit.

I've faxed orders 8 times to the required fax number to lower my interest rate. I am an active duty Marine for 14 years and they've ignored my requests. I am also supposed to be given a 10% discount on all purchases, and that did not happen either, after numerous calls to Dell. They raised our interest rate to 29.99% although we make all payments on time, and exceed the minimum amount required. This has caused a huge economic strain on me and my family. I made a $115.00 payment to Dell, and $92.86 went to interest. They lowered our available amount by $200.00 dollars, and then told us we were over our credit limit.

I tried to make three payments. Dell was unable to withdraw funds from my bank. Collections called, refused to work with me. Screamed at me. Called me a liar. Only a fool would buy from Dell. Turned me over to collections.

A few years back I bought a computer from Dell on a charge account. Biggest mistake i think i've ever made. I came into some very hard times like most of the people in this country. I've tryed to work with dell many times but with no luck. Everytime we come to an agreement they tell me this will stop the account from going into collection. I fell for this three times. Not even 24 hours after they have taken the money out of my bank account i have not just one but two or three different collection places calling me. Not only do they call my home and my cell phone but they even call my job. My boss has told them many times not to call there it is a place of business. I understand i owe them money but does this give them the right to harrass me all day everyday? This has been going on for years.

When i went to my local police station the officer just looked at me and said "can't you just make a payment agreement with them?" If only it was that easy. I don't understand why i'm getting endless amounts of phone calls from three different places about one bill. My biggest concern is that my boss will become as fed up with it as i am and cost me my job. Not only have I told them not to call my job my boss has told them and so have all the other people who work there and answer the phone. My bill started out around $1,400.00 as of a few months ago with all their fees it's over $2,500.00. I want to settle this debt but how do i do that when they can't keep their end of any agreement. Am i suppose to pay three different places every month to settle one bill? I'm even looking into filing bankruptcy but i don't want to have that sitting on my credit for ten years but i don't see another way to fix this problem.

Financed/Purchased a laptop for my daughter for her 1st year of college from Dell on 03/05/2007. On 04/13/2007, I was sent a letter to purchase insurance through Dell. The cost was a % of my account balance-This was called the "Dell Preferred Account Credit Protection Plan. I purchased the insurance and never had a concern. June 22, 2009 the computer mother board went out and I had it replaced at $487.43 w/labor. But I paid so much more than what it was worth from the beginning and really could not afford to purchase a new one for my daughter and with all the hardware she has purchased, decided to repair.

On August 3, 2009, the laptop was stolen from my daughters vehicle, it was in a laptop bag and other merchandise was also vandalized from her vehicle. I made the proper police reports and insurance claim through Dell's Claim Service. All information was submitted and I filled out the necessary claim forms. Upon the pending claim to be processed, which I have retained all documents, with person(s) spoke to along with dates and letters all transaction with DFS Claims Services, I was written a letter to continue paying my payment and allow fifteen (15) days for claim to process. I continued paying the payment with the additional amount for insurance. On September 21, 2009, I receive a letter my claim has been denied, due to know visible signs of forced entry and my coverage repairs evidence of forced entry. So I proceed to look at my policy and speak to the local police department whom took my police report.

Upon not honoring my claim, I send to DFS the window damage cost and receipt, where I had to have the window repaired due to damage caused by vandalism and ammended police report, while still paying my additional insurance fee. DFS claims decides to respond with a WARNING OF INTEND TO DEFRAUD. This was a valid receipt and police report, so is the police dept fraudelent? I again respond with a letter in return of discontent and feeling of being accused of unlawfulness. This continued to go on until November 2009, at this time I cancelled my Preferred Customer Protection Plan and requested proof of all moneys that were applied towards the insurance policy, I have yet to receive.

As of April, 2010, I stopped paying Dell all together, I feel I fullfilled my liability with Dell/DFS and followed the claims process to the letter and I can not record a phone conversation with them, however, they can record me, seems a little one-sided. In the last two months after multiple times of me telling each collection agent the circumstances as to why I am not paying, and I state I am recording ths conversation, I am told they can not longer speak with me if I am recording however,I am told I am being recorded by them???!! Then I get a call immediately after where the entire process starts all over again. Harrassement is not even the correct term for the abuse and calls I have received. I have explain the reason as to lack of payment. I was a single income parent trying to better my daughters life by getting her a laptop for college and have paid on this laptop for 3 plus years and insurance protection, and who is getting the protection, not the consumer. There is such a law as THE CONSUMER PROTECTION ACT!

I will say thus far I have no problems with my Del product. My only complaint is there financial services practices. I had a death in the family and was out of town for one week. Meanwhile I was not able to sit down and pay my bills, thus making my Del bill past due. I do realize that this is my fault, however I don't think their harassment should be lawful. While I was dealing with a funeral, in just six days I received a total of 34 phone calls from Del Financial Services. Is this legal? Times ranged from 6 AM - 8 PM. I realize my bill was a few days past due, which is my fault. But I don't think it warranted that many phone calls.

800-241-5864

These are just 4 #'s I have been given to contact for end of lease issues. Each # sent to me by at least 3 reps who kept sending me to another voice mail attendant. I tried to explain to the reps who handled my call to please do not send me back to the phone attendant because there was no option for my problem except customer service who told me that they could not help my problem. What really capped off the past 2 days was trying to log onto my DFS online account that one of the reps susgested for me to use to find out my questions and concerns. To top this off,after 1st using my user name and password several times and being unable to login I had to send an email to get my password reset. I used the one sent, and it did not work either.

After trying several times the account locked me out and gave me the 800-283-2210 # to call for assistance. I was told I called the wrong #, but he would try to get me to the correct person. I talked to 2 more reps who said I was not in the correct dept for my issue. After a lengthy time the phone system finally told me good bye and to call back later. I will never, ever lease another computer from Dell. I have always used Dell for the past 15 to 20 yrs and have never had a problem like this. If I treated my customers with as little concern and apathy, I would not be in business. Some one should have taken ownership of the problem. The people who you employ or contract with are who your company is judged by. You can have a great product, but you kill it if you do not have the support and customer service to back it up. That is what separates the companies that are successful from those who are not. Without the customer, you have no reason to exist. I have cancelled the order that I was placing to lease another one. Life is too short to put up with this incompetence.

On February 27, 2010 I ordered a new Dell computer from the outlet site online. I understood it was a refurbished machine, Inspiron. I spent a long time finding the computer with the programs I wanted before placing the order. When I began the order process, information was provided concerning using Dell Financial Services to make the purchase. If the purchase was $699 or more, the purchase would be interest free for 6 months. The machine I picked was a total of $809.00 before sales tax. The offer was very tempting.

After what I thought was careful consideration, I decided to make the purchase through Dell Financial Services and take advantage of no interest for 6 months. Nowhere on the offer did it say certain conditions apply only that the purchase needed to be over $699. I had fulfilled that requirement with my purchase. I had figured out exactly how much I would need to pay each month to pay the computer off by the 6-month time limit. Upon receipt of my first statement, where there was no interest amount listed I immediately made an EFT payment of $150.

Yesterday I received my second statement and to my amazement interest was added to the balance which included "Billed interest charges on purchase" of $14.49 and "Billed Deferred interest charges on purchase" of $9.77 for a total interest charge of $24.26 that is at the rate of 21.99% variable. I called the number listed on the statement and spoke to a Mohamed, who was very rehearsedly polite. It seems, according to him, that offer was only good on new computer purchases and not on refurbished computer purchases! No where in the information for that offer were those stipulations conveyed! My "refurbished" computer has a one-year complete warranty....that seems like a new type warranty to me!

I am very upset and want the whole world to know how misleading and unethical I feel this "interest free" offer was. What ever happened to the "truth in advertising" law? Now I will have to pay an additional approximate $200 in interest charges that I had not budgeted for. Perhaps that amount is not 100% accurate, I don't figure interest that well especially since I didn't think I was going to have to pay any interest. If I would have known this I am certain that I would not have purchased this computer from Dell, I would have went to a store and purchased one I could have seen and received an authentic interest-free offer!

We have been Dell business customers and have also setup our clients with Dell accounts over the past 12 years. We like their products, however, we just closed our Dell Financial Services account because of their sales tax department. We have had repeated complaints over the years from our non-profit clients that it is miserable dealing with their Dell's sales tax department. Some worked for months to prove that they were tax exempt because the sales tax department "couldn't find paperwork". Well, we got a taste of their sales tax department when we attempted to become resellers.

We went four rounds with submitting the requested paperwork back in December and then were charged sales tax on a large order. They refunded some of the sales tax, but made an excuse three months later that they needed more paperwork. We paid our account in full at the end of March, closed the account and after that, they reversed some of the sales tax charges and invoiced us. We paid because if we didn't, it would have probably affected our business credit rating. We spent close to 15 man hours over the last four months with this fiasco and decided to cut our losses. We are no longer Dell resellers and for our own business purposes, will never hold another Dell Financial Services account. Now, when we place orders with Dell Sales, we are finding they still consider us resellers (tax-wise) so the battle continues with their sales tax department.

I had a Dell Financial account for almost 8 years. I purchased cameras, laptops, software, video recorders, etc. over the years. I have not been late or over my limit. In fact, I kept it around 60% on average. Then last month, I got a letter saying they closed my account! I can't believe after years of service to that company, for no reason they closed it. They said it's because they reviewed my credit and because I had been late.

Hello, I had not been late and my credit is above the average! Not to mention, I had been a good customer to them(!), even after they raised my rate from 13% to almost 29% over the years. So, maybe they did me a favor! I won't be buying anymore products from Dell! They can keep the overheated laptops! Boo Dell!

Made over $1000 for a computer I never received through this company.

I had an agreement with Dell to pay $2,900.00 to settle my account in full with Dell. The money was automatically withdrawn from my savings account. I am now getting calls from a collection agency attempting to collect "monies owed to Dell". The $2,900.00 was an agreement between Dell, their attorneys and me as "Full and Final Settlement".

Why this was turned over for collection and how can their telephone calls to my work being stopped? This is harassment for monies I do not owe and when I explained the situation to the collection agency they told me, "We will just sell this account to another collection agency." I feel it is up to Dell to stop this harassment for monies that they are not entitled to. I want an explanation as soon as possible as to why this is happening. Dell has been paid in full the amount they agreed upon. I have my own attorneys. I just want Dell to send me an explanation of why this is happening and to assure me that there will be no more telephone calls.

I have paid Dell twice on my Citicard and they refuse to give me credit for the payment and my refund even though they charged my credit card twice. Ruined my business credit plus the time and expense of my business.

Questionable and or unscrupulous business practices and two years trying to correct billing address to no avail. Continuing to send to previous business address whereupon my mail is (rightfully) opened thus infringing upon my confidentiality!

Recently purchased a laptop in Jan. 2010, no interest/finance charges for six months. First billing/account statement notice showed a unauthorized, uninformed charge of $26.55 for "Credit Protection Plan Fee?" I immediately wrote and mailed a check for the original agreed upon amount on 3/1/10, including my concerns/objections and that this was full payment of account. The check was accepted and posted on 3/3/10. I also sent a e-mail reiterating my concerns/objections and complaint of their questionable business practices. No response from Dell Financial Services.

I received another statement, sent to my former business address, for the $26.55 fee plus another $26.55 added on! This is the second time on purchases through Dell Financial Services that I have had to deal with their billing service and their questionable/unscrupulous practices and charges! Their practices would seem to warrant scrutiny and/or sanctions.

I bought a new Dell computer in December 2009. Dell billed me but for some reason double billings with 2 different account numbers. I am also supposed to receive a Dell /Tyco employee discount. Having a Dell $250 new purchase coupon and a payment of $2429.75, I mailed a payment in full when first getting a bill in January 2010. Dell sent me back their new purchase coupon and did not apply it to the loan balance.

They overpaid the one account 3 by over $2254 and charged me late fee on the other which was in the same payment envelope. They said they straightened out the dual account number in the same mailing that they charged me late fee and over pay the other. I talked to persons speaking Indian English and I cannot understand their English. I asked for someone who speaks better English but that gets me nowhere. I got transferred to another Indian English speaking Dell line and they asked why I called them; they cannot help. They wonder why I am mad. I am very frustrated. I reported them to the Wisconsin Consumer Protection but have not received any help either way. Paying in full doesn't stop late fees.

I purchased online a Dell laptop and was told I would receive a welcome kit and final credit agreement. Never received as stated on my order; however, I received a call stating my account was over due. I send full amount for the computer. I'm still receiving harassment call stating I owed late fees, which I refuse to pay since Dell did not sent me a bill or give me an address to send the payment.

I'm having problems with Dell Financial Services. I have a new account with them that is carrying two balances: (1) Is a 4.99% rate promotional and (2) Is 27.99%. I have been sending an extra $200 payment which they are applying to the lower interest rate, not to the higher interest rate balance for which it is intended. It is also my understanding that the new federal law requires that as well? The net result is that the higher interest rate account only paid down by $8.83 cents when it should have been $200!

I spent 2 hours today in call center hell with no resolution in sight. After speaking with Trina who identified her self as a supervisor, it became clear that she had no interest in helping me. I asked her how I could ensure that my overpayment be applied to the balance with the higher interest, and she replied that it was not an option. She implied that it was for my protection.

I asked again, after I've made the minimum payment to both balances, how I do apply more to the balance with the higher interest rate. She said that I couldn't do so. The net result is hundreds of dollars in interest that they get to pocket. This Dell consumer will never purchase a Dell again.

In January 2008, my company purchased a computer online from Dell computers. The person that did this unknowingly entered into a lease, not a purchase agreement. When the invoices came, they were paid in full. Then, in July 2009, we received an invoice that said we had a lease payment due. This is when I found out about a lease. I made numerous attempts to reach someone at Dell and was left on hold or transferred from department to department.

I finally got a live person to explain my problem to. After several days, they sent me copies of a lease agreement, etc., and after reviewing this information, it became apparent that they had posted my payments incorrectly to some other accounts. I sent my information to them and asked them to investigate but I was never able to get the information I needed. This went on for months, numerous collection calls, me trying to explain to anyone that called. But no one helped. All I got was late notices and late fees. I didn't feel that I should have to pay again.

Then, on Feb. 9, 2010, I got a call from a collection agency. This lady seemed to understand what I needed and was going to try to get it. It took her two weeks plus to get anything from Dell, but all they sent was the same information they had supplied me. Again, there was no help. On March 10, 2010, another man from the collection agency called and said that unless I had a letter from Dell saying I didn't owe them anything, they could not help and I must pay up.

I purchased a Dell desktop computer 3 years ago, under a promo deal. The computer was $1300, plus I ordered a printer too. So anyway, after the 18 month promo deal, I owed $200 remaining, struggling to pay off the Dell. I did not however and they slapped $800 on interest on top of the other interest on the "other products" that I bought from them. I pay $90-$100 a month for 16 months and $75 of it goes to interest and the rest goes to actually Dell. Well, the bigger issue is that the computer crapped out on me almost a year ago and then they stopped making "ink" for my printer, so that's useless as well. So, I no longer have the "products". I was able to consolidate all my other credit cards and have been able to pay them mostly off. I have contacted Dell and they won't do anything.

I have paid this stupid account regularly only to keep my credit good, until I close on my house. Once it's closed, I'm done. I have good credit everywhere else. I have already paid off the computer and printer in the interest alone, 29.9%, and my credit score is in the high 600's and I'm paying that kind of interest! Is that insane or what? My balance is still $2800 and it's gone down $350 in the last 14 months. I can't afford this anymore. I'm on SSI and I have kids to feed and paying $90 a month for a stupid computer I no longer own is insane. There should be a class action suit against this business. The economy is crap and they are just making matters worse! I'm stopping payment next month. I'm curious how much it will bring my score down. I would like to sue them!

My almost 80 year old Grandmother purchased on full computer from Dell in the year of 2004 and was at the time set up as a Dell Preferred Customer, and clearly is not. My Grandmother purchased the computer for myself. She contacted me the other day terribly upset about the fact that she is still making payments on an account that was opened in July of 2004. I contacted Dell Financial Services and after speaking with them, I have a very bad taste in my mouth and am extremely angry that they would take such advantage of their "Preferred" members.

The total device cost was less than $1500, my Grandmother has made payments that total nearly $3,300 and they are still stating that the balance on the account in $1350. How can they do this to someone? I tried to negotiate this with them and asked for supporting information on all of the transactions on the account; this is how I am fully aware of initial cost of purchase, late fees, and finance charges and so on.

I am just beside myself that a company so highly respected would do so much wrong to their clients. I tried to explain to them that my Grandmother is nearly 80 years old and does not have the means to pay this balance after she has already paid 2.5 times the amount of the purchase, they just did not care! They asked that it be sent to a credit agency, go into collections, or if she should pass to send them a death certificate. Very kind, they are very kind. I need help with this. My next move is to write a letter to Dell Financial Services, but I have been informed that they do not have an escalations department. You think that they would want to keep their name free from doubt. I really would like to see them do right. What can I do at this point? What are my options?

I lost my job back in August, it moved to MX. I am now on unemployment and not drawing much. I have called Dell 2 or 3 times trying to get them to give me a settlement pay off. They told me they are sorry but we can't do that. I told them I have no job and I got a little taxes back and I want to try and get things paid. They say they still can't help. I own almost the same thing on it as when I got it. The interest is $29.9. I told them I could buy a lot cheaper and they even added some. I need help.

I had a problem with my keyboard sticking and still under warranty, I called the number they give for help. I made numerous calls to hang up with nothing but them wanting to sell me another warranty. They finally, after I pinned them to answer me they were very hateful and said it's a tech support problem and I asked what can a tech support person do to fix a sticking keyboard ,well that's who you have to get help from. So my husband called and was put on hold up to an hour at a time and then after several attempts finally did talk with someone and they said it was a soft ware problem and gave another number to call.

Those people wouldn't help unless we paid them $139.95, to me that was enough so I called them again and said I have 1 question and I want only 1 answer, the woman who could barely speak English said one moment please and then a man came on who spoke very fast and could not be understood at all. I said several times you need to slow down because I can't understand you so he finally let me ask the question where is an authorized dealer in my area so I can get my problem with this keyboard taken care of before my warranty is up. He started beating around the bush and I stopped him and said 1 question 1 answer. He was hateful and said there is no one in the United States and I said are you kidding me, again he said no.

So after that I typed in Dell Complaints so I could see if anyone else was having these problems too. Well it was amazing the amount of people who were and didn't know what to do. So I printed one of the letters and then wrote my own letter to the President of the company and sent it to the headquarters by certified mail so it had to be signed for, then I would know they received it. I did receive a call from an assistant to the president immediately, his name was Sai. I explained everything from beginning to end how I ended up writing to the president. I just needed my keyboard fixed before my warranty expired, if you can imagine that he immediately sent a tech over to fix it and he lived less than 30 miles away.

Then after that Sai called and ask me how it was working and I told him great now but why did I have to go to this extent to get the warranty put in place. This is what he told me "I believe there is some miscommunication with our service reps .I will work on it to get the problem taken care of, also in the same breath he said I'm not trying to sell you a warranty but what if you have more problems 5 months down the road it won't be cheaper to get it fixed somewhere else. I told him that he totally missed the point and that I didn't care what I had to go through to get you to honor your own warranty I had to go this extent why would I want another warranty when your company refused to honor the first one, let alone the price I am paying is far different from the one in the AD.

The whole mess isn't worth the effort I had to put in this one. I finally gave up and just told him to pretend to be a customer and call and ask for help then he would get the idea of what's going on. Service reps only say what they've been trained to say. Since I have emailed Sai about another problem occurring and guess what no reply! My warranty was over February 18th and I'm done with Dell some things just don't change. There were other problems with the billing and the finance charges but when I wrote early on there was no reply. Lots of people are good honest people and should not have to constantly fight to be heard. People just have to stand up for themselves for everything. Don't give up!

I will start with the computer that Dell financed me on with the Dell preferred account. I was just like the others offered a promotion at time of purchase and received outrageous increases in finance charges with no late payments at all. When attempting to contact Dell I was put on hold, transferred to multiple employees all who couldn't/wouldn't help me. I later purchased 2 $444 TV's and a $60 video games against my better judgement and while completing the online order, there was an error message stating that the order was not completed. I then re-ordered the same order with no problem, and received 2 confirmation letters stating my account was charged twice for the same order.

I immediately called Dell and after explaining to the man on the other end on the phone my story 3 times, he asked for my info and pulled up the orders. He proceeded to try to sell me higher priced TVs and said he couldn't cancel any of the orders. I only ordered them less than 2 hours prior to us speaking. He said that I would have to wait until Monday when their offices were open and if by chance I received the order I must accept it and to call them immediately.

Upon receiving 4 TVs and 2 video games, I did what I was told and called back. The guy said I was responsible to pay return shipping and I must have the packages returned within 24 days. I live in Virginia and we were in the middle of a blizzard at this time. I emailed the company regarding their lack of customer service and demanded a return call asap. No call was ever received back and I now have 2 TVs and a game I didn't order and can't return due to a policy that is ridiculous! This was their error! They should own it and take care of a client who just spent over $4000 with them.

I'm in serious debt due to an error with their online checkout system as well as their lies in regards to finance offers promised and never received. Instead, outrageous interest rates were charged. Let's not forget their lack of best practices/customer support/due process/and integrity when dealing with their own errors. What could have been an easy solution to what should be considered a valued returning customer is now ending up in this bitter law suit. Wake up Dell, you can't treat your clients this way anymore!

Dell financial charged me a $29 late fee because I paid 27 days early. Apparently, early means the same as late. My payment was due on 2/7/10 and I paid on 1/11/10 (I had made my January payment separately a few days earlier.)

I bought a new Dell on 2/16 and paid with my debit card with $431.92. Last night 2/23, they took the same amount out of my acct! Their web site is impossible to use to resolve on line. They are overly complicated. My bank acct is overdrawn today because of this error. I will need to go in person to my bank!

I bought my wife a laptop 11-08 plus a sleeve for the laptop for $540. I paid $347 in 14 months. On 2-5-10 I still owe $528. I sent more than double the payments it said I owed. I am being ripped off by Dell computer. Do I have any action I can take?

For 8 months, I have been battling DFS over a disputed deferred interest charge of $90.83. Not a big amount of money, but it was absolute deception and rigged system against the consumer that I really loathed. When you call the DFS, the representative only has information about the account that is on the call center system. If you email DFS from their website, you don't get a copy or a "cc" back, you must do a print page before you send your email, or there will never be a confirmation or record. If you write and send it to a customer service center, you must send it certified. No matter what you do, you will never find a single DFS with full information, and you will never find an advocate.

I sent six letters, three of which are by certified mail. The initial email and screenshot, ten, perhaps fifteen phone calls, and what did I receive? Form correspondence stating I must abide by Dell's terms. Every month I would call and dispute the charge, and every month, DFS would assess more penalties without addressing my complaints. Finally, the amount in penalties was twice the original interest charge. According to the BBB and consumer advocates, while in the midst of a dispute, where the customer is responding to all inquiries and both providing and requesting documentation from the seller, assessments of penalties, and credit demerits to credit reporting agencies should not be assessed. I have never had any dispute with any seller, and I have never paid any bill late. I keep a zero balance on all charge accounts. I should have perfect credit.

During these last eight months, I in fact, decided to purchase a house. I almost own my current home, and have a large amount of equity in it. I have a fairly good income, I have a good savings account, how could DFS hurt me? But because I disputed DFS over a $90.83 charge, I will not qualify for a loan from a first tier lender. I will end up paying thousands of dollars a year, because of this stupid mistake, because I wanted to take the high road and not be taken advantage by DFS. Never, get involved with DFS. The business model is to profit from fees, charges, and penalty assessments. It is their bread and butter.

Beware of doing business with this company. The system is rigged. No matter what type of letter you send to another bank or creditor, detailing your dispute, or providing all evidences to the contrary, the lenders are retailers also, and will only side with DFS. How stupid I feel for myself now. For a measely $90.83, I could have saved three times that amount in a single month for the new mortgage.

I placed an order on12/8/2009. Financial Services offered 0% interest. Financial Services never completed authorization to production to do order. Computer never authorized for production. Result: cancelled order on 2/4/2010 and returned docking station for computer. Extensively delayed order resulted in cancelling sale.

I have been lease purchasing computers and peripherals from Dell since 2005. As my business expanded, we added systems and more equipment through the leasing option. Dell offered us a consolidated account for all our leases so we could pay one payment each month. We have been overpaying each month in order to pay the equipment off early. The problem is Dell has not applied the payments to the proper accounts as they promised in consolidating our account and I receive monthly, persistent (up to 5 per day) calls stating we are late. Each month it takes 1-2 hours of our time on the phone re-explaining the consolidation and the need to distribute payments to all accounts. This has not worked to date. We have tried numerous calls and emails trying to get resolution without success. Many of the phone responses were perfunctorily courteous without having a clue no matter how we tried to explain what was going on. Dell has reported late payments status on our Dell leases even though we have overpaid monthly and they are applying the payments incorrectly. The specific damages are to our credit scoring and Dun & Bradstreet rating which is the basis for our ability to maintain our credit. We were recently denied credit due to Dell's reporting errors.

I purchased a laptop with extended four-year warranty. The four-year warranty was extra money. I called them to let them know that my computer was frozen and the keyboard was broken. I called the technical support and half way through their help, I was told that they can no longer help me because I needed to purchase another warranty which I did. A technician was sent to my house to repair whatever the problem was. He only repaired the keyboard and stated that he could not fix the other problem because he said that was a hard drive issue. So now, I don't understand why after paying for two warranties, my computer has not been fixed. I tried calling Dell to cancel the last warranty and they have kept me on the phone for over an hour transferring me from one person to the other without any results. Please help me with this issue as soon as possible.

The first call I got from them was at 8AM. They asked for my brother's name (I just moved into a new place and haven't lived anywhere near my brother for over ten years. My brother is a long haul truck driver. The only way he can be contacted is with his cell phone. My telephone number is supposed to be unlisted and I have only had it for one week). I am a night person, so an 8AM phone call is pretty rude in and of itself. I honestly said, "no [his name] lives here". They then asked "do you know [his name]?". I said, I have a brother with that name. They then asked for me to contact him for them and I said "no, you can reach him just as easily as I can".

Now, I am beginning to wake up and finally understand what the heck was going on. They then asked me "why?" and I explained he is a long haul truck driver and the only way to reach him is with his phone, which I know they have. I then said it isn't my responsibility to do their job. They started to get very rude and I said "I know my rights, I am not your customer and I do not have to be harassed like this nor do I bear any legal responsibility for my brother nor your problems with him".

I then told them to add my telephone number to their do not call list and to remove it from their list of contacts and to never call me again. They have been calling my phone everyday around 8AM since and will not stop. It's become so bad that I had to purchase a device that sees their phone number and stops my phone from even ringing. It's the only way I get any peace now. I still see their phone number on my caller ID log almost daily. They are certainly harassing me and I am not even their debtor!

I would just like to provide the feedback that my experience so far with Dell is abysmal. I applied and received a credit line of $2,000, being a Dell Preferred Account, but when I went through the order process and then have the entirety of my bill, $2,013.66, which is $13.66 above the credit amount, it got through Paypal. This caused me to scramble to keep my rent check from bouncing and resulted in two $35 overdraft charges. I contacted Dell sales the next morning after placing my order and spoke to a person, that was not only difficult to understand due to very heavy accent, but was having much difficulty understanding me. It was very frustrating.

I was transferred to another person who said there was nothing they could do as the order was locked in. Good for me ultimately, I suppose. I will only be paying the one time fee for the computer, but you will not see any interest during the process and after this, I will never use Dell again, with or without credit. On top of all this, I was sent an email that out that my order is delayed. The anticipated date of delivery was 1/25/2010 and now it is 2/02/2010.

A link to cancel the entire order was also provided by email or phone. I attempted to cut my losses at this point and cancel the order by phone, but I was told I couldn't. The representative told me that the order was ready and would be shipped within four to five days. This has been the absolutely worst customer service I have ever received in my life, and I will not purchase from Dell ever again.

I did not have an account with Dell on Dec. 21, 2009 since I was paid in full over a year ago. They debited my business account for $973.38. When I finally reached someone at Dell, they said it would take up to 48 hours to find out what charges were they for. I did a stop payment at my bank. Dell returned the money on Dec. 29,2009 without any explanation as to why they did it in the first place.

Now, Jan. 21, 2010, they did it again for $1,091.25 and I have been on hold for over 45 minutes each time I call and try to get someone. This has once again caused NSF on numerous checks from this. I don't know how to make it stop short of closing my business account that I have had for over 20 years with Bank of America. I went to the bank this morning to explain to them that Dell had done this again. Meanwhile, they have depleted all of my funds once again. I am currently on hold again, this time going on 54 minutes. This is insane! What can be done about this?

I have had a Dell Account for a few years now. I have always paid on time. Last year, I paid off the account in full. I recently wanted to purchase a digital camera from Dell. When it was time to take my method of payment, I was to put it on my Dell account. I was told that my account was closed and a letter was mailed to me on June 2009, which I never received. I wanted to talk to a manager and all they could tell me was that a letter was sent to me. I think this is so wrong that they closed my account and it is on my credit report. Dell is no good for business and treat their so called preferred customers bad. Thank you Dell, now reading all the complaints, maybe you did me a favor since your business ethics are horrible.

The interest rate just keeps going up almost at 30% and it's getting harder to pay off the account balance. Even if I call and ask them to lower the rate, they probably would not do it. I just don't have the money to make big payments to them, and it's stressing me out.

will not stop harazing me so far Dell and there collection people have called me 65 times. can you help me?

I applied for a credit aacount from Dell and was granted one at 19.24% interest. I made several purchases on my account at that rate. The rate was even printed on my Order Confirmation and I consider this to be contractual. After I made several purchases Dell sold their credit services to another company who then raised my rate to over 30%. I have not made any purchases since the new rate. I feel that I purchased all my products at 19.84% and this was printed on my order sheets and now they want to charge over 30%!

I feel they are contracturally bound to accept payment on my account at 19.84% for all pruchases made at that rate and since I have closed my account I will not make any purchases at the higher rate. If I had made any purchases at the higher rate I would pay for them at that rate but since I did not they have no right to raise the rate after the fact. I contacted Dell and said I would pay at the rate I had purchased the products at and they refused to accept that so I closed my account and refuse to pay at the new rate

Exactly what is mentioned in the article. DELL would not let me pay for the cpmputers all at once and signed me to a Fraudulent 36 month contract that costs more than the original price and at the end of the contract I will have to pay fair market price for the computers again, or I have to dend them back to DELL at my expense.

I asked to activate my insurance for disability and was refused due to the timeing, which wasn't mentioned any time before. Now, I getting constant phone calls and I can't pay right now. Continuing harrassing phone calls. Asking for personal account numbers online. My credit is in jeopardy, and worst of all, they are adding the fee of the insurance they won't let me use!

I have NEVER paid anything late. The ONLY blemish on my credit report is DELL COMPUTERS where although I paid them for my computer they still threw the illegal interests to a collection agency and messed up my credit.

I purchased two separate computers from Dell about six months apart. Both purchases qualified for a financing program which advertised 0% interest for 12 months.

I next noted that even though I paid more than my minimum balance, the excess over the minimum was not applied to the earliest purchase, or FIFO, as set forth under IRC Sec. 453 regulating Installment Sales. Each statement reads payments are applied first to minimum required payments with excess to credit plans in order of promotion expiration date. I called DFS and was assured that FIFO was applied but I made the calculations and in fact I could see this representation was inaccurate.

The same statement also reads To avoid deferred finance charges, pay the new plan balance by the promotion expiration date. The promotion date may differ from your payment due date. I received my earliest purchase in the billing cycle ended 05/13/08 and a first payment is due on or around 06/13/08.

I spoke with a Dell Financial Services representative who explained that interest free for 12 months means that if the balance is not paid off within 12 months the entire deferred interest is charged. I assured Dell that this was not my understanding of the term, and while I am certain that Dell can direct my attention to the fine print, the plan was represented as interest free for 12 months and every monthly statement still labels the purchase plan as NO INT 12MOS.

It appears at every level Dell, Inc. is engaged in questionable accounting practices; improper revenue recognition, assessment and billing of fees not supported by the underlying transactions, improper allocation of excess payments in contradiction to the plain language on the billing notice, and finally, deceptive names used to describe finance programs.

If in the public market Dell, Inc. seeks me as either a customer or investor I expect transparent accounting and fair business practices.

we cant buy groceries or food, i have lost work because i have no gas money and our rent check will bounce tonight at midnight. so all and all dell has ruined my life and possibly my house all for 391$. What Can i do? i feel so helpless.

The first part of October 2009, we opened a new account with Dell with the purchase of a new computer. We are a non-profit organization, thus do not pay sales tax. I have faxed, scanned and emailed our paperwork to various people, each with the exception of Wella F have either not received it or lost it. I have not heard back from Wella since I sent our paperwork to her. I continue to follow up with at least weekly emails to various people in the organization to no avail. We still have not been reimbursed for the taxes we were charged. Wella F is the last actual person to email me, but I cannot get a response from her now. I have also asked to speak to someone in the U.S. to no avail. Please help.

Dell crossed all limits of sanity and reported delinquency on my account. The problem was I moved and had requested Dell to waive my remaining balance. The person on phone said they will just before I moved from Dallas,TX to New Jersey. One year after I moved I found during renting an apartment that they put my account in delinquency. I never got a bill from Dell after my move.

My mistake was to trust the Dell representative on phone. Also I had purchased a drive from Dell and paid that amount. Dell did not even care to check this information as it should have told them my new address. Anyway I settled my account in Full but Dell kept harassing and threatening me two years after settling the amount in full through various collection agencies.

Had to rely on wife for any credit card usage. My credit history took a huge hit and even though I had enough money to make a purchase of home I could not think of going for it because of the delinqency. So far I have spent upward of $100,000 in rent because of this which is clearly gone down the drain.

I scheduled an on-line payment at the Dell Financial website for my Dell account. The minimum payment was $51 but I scheduled a payment of $100. Several days later, my wife was trying to fill the car with gas and her debit card was denied. I checked and it turned out Dell had processed a payment for $10,000 instead of $100. This amount was more than I owed on my Dell account - More than my entire credit limit on my Dell account, and more than I had in my checking. My checking was frozen for a day. There was some concern that the bank might actually honor it and send my account into a deficit. Fortunately, they simply refused payment and the next day my account was back to normal, minus a $33 (NSF) non-sufficient-funds charge.

I called Dell, who put my through to CheckFree. They promised me that the amount would not be submitted again and that they would be able to refund my NSF fee. However, when they tried to put me through to Dell to arrange this, I was disconnected.

Several days later, the whole thing happened again. The $10,000 credit was resubmitted, and again my bank account was locked. I was left standing in line at the store with a cart-full of items that needed to be returned. The ironic thing is that this time, Dell's actions almost backfired on themselves, as the fate of a $51 payment I had scheduled to replace the $100 botched payment ($51 was all I could afford after the NSF fees) was in limbo until the next day when again the $10,000 was rejected, with another $33 fee subtracted from my account.

I have switched to Email to try to resolve the problem, as I don't seem to be able to rely on the verbal statements of the customer service representatives. My bank was willing to refund one NSF fee (thank you Chase) but I'm on my own to try to extract the other one from Dell. So far no response, but they say they are experiencing an "higher than normal volume of inquiries".

I've switched to my bank's bill-pay system for this account for future payments.

My Dell Financial services account was billed $1,031 for an item I never ordered. It has been one month since I first contacted Dell to resolve the issue. To no avail as of yet. I have talked to a call center in India, left messages for the "fraud control" person (Who's voice mail sounds like she is about as brite as a lampshade) and been pushed around through the ridiculous automated system for hours.

I have been purchasing Dell Computers for the last 14 years...NEVER AGAIN.

Dell Financial has my account so screwed up until I don't think they know how to straighten it out. My payments are taken directly from my bank by automatic debit. Dell started losing my payments back in September. I called them and told them that that payment had already been posted at my bank and where was my money going? They gave me a fax number and asked me to fax proof so I faxed a copy of my September cancelled check and bank statement to them and it did not get posted until October.

Then just when I thought things were ok, they said October payment had not been received, so I faxed October cancelled check and statement to them. When I checked back they said they did not have a record of receiving anything. Of course, I waited a few days before I called them. Then they say to me again that the September payment had not been received. I told them I have the statement they sent me showing they posted it to my account on October 21. Then they put me on hold and came back and said the payment was posted but the October payment had not been received.. I faxed the proof to them again, Now they are saying November payment has not been received.

All these payments have been drawn from my bank and posted with my bank but Dell still cannot find my money and they are calling my home asking for more money because they are still saying my account is still delinqquent. Another payment has since been posted at my bank in the amount of $250.00 which they say they do not have. They keep adding these late charges, finance charges, etc and running my account up. They are not doing anything to straignten my account. I have proof of all my payments from September to November. I have been paying $250.00 each month on this account and I want to know what Dell is doing with my payments.

due to the economy and a single parent, i was unable to pay my creditors and was enrolled in a credit management program on or about october 9, 2008. dell was included in this program. since then, a proposal of a payment plan was provided to dell and proposed payment amount was also being send to dell. i believed that i had the dell account since 2007 and credit line of $2,500. ever since then monthly payment was provided to dell by myself until i was enrolled in a credit management program on 10/08. to date, my current outstanding balance with dell remains $2,979.18 with $35.00 late charge asssment, and at times over the credit limits charges of $35.00, billed finance charges totaled $65.00, interest rate of 27.99% annual rate. i have written to dell requesting the payment date be changed, and the payment due date is 9th of the month and payment was received on 2nd of the month, why there is still late fee charged and coorindate with my credit management, no reponse or action was received from dell. no denial was received from dell concerning my enrollment with the credit management program. i have been paying dell since 2007 and seems like no payment was reflect towards the princible amounts. i am trying very hard to pay them.

in october i made a payment montly for $80.00 dollars by phone. for my surprise dell empty full my checking account for $800 dollars. They have promise me a lot of times return my money but never they have made. until the day of today they havent sent to me the bill any more. abuse moral and mental. take my money of my checking account whitout permision.

Thank you for contacting us about your account. We apologize for any

inconvenience.

There are two options for online payment: The regular payment is free of charge
but posts on the account after 3 to 5 days; and the same-day payment has a $9.95
convenience fee but posts within 24 hours.

As of the date of this email, your current account balance is $911.11. A $28.00
payment is due on 12/10/2009. Keep in mind however, that because interest
accrues on your account daily, you may have additional finance charges assessed

on your next regular statement.

Does anyone else have this problem? Anyone up for a class action lawsuit against Dell?

Opened Dell business credit account in April 2009. Purchased a few Dell products for customers. Then a few months later when trying to order a computer for a new customer, Dell states the account is closed. After calling to find out the details, they stated the account has a late payment history. I reviewed the payment histroy and did have a few late payments, but within 60 days. Nothing over the typical 120 day mark. The account is current.

I made a purchase from Dell Canada not quite a year ago (Nov 2008). I set up a Preferred Account which is a "revolving line of credit" with Dell Financial. I called 3 weeks ago to make another purchase and was told that they had to do a credit check. I work for a financial institution and know that when a revolving line of credit is set up, a credit check is done in the beginning and that is it. I questioned why they had to do another credit check and the response I got was "it is our policy".

I searched the Dell.ca website and could not find anywhere where it stated that. The only information I found was that there was a "quick and easy one time credit application" and "it would be available to use whenever you wanted". So I called back and shared this information. They simply responded, "oh well it is our policy, we check after 3 months." I asked them to please show me where it stated that and no one could.

I have been calling Dell for 3 weeks now trying to reach their customer service department to see if someone can answer my questions but I keep getting told that their systems are down and then they hang up on me. The only people I can get through to are sales people (how convenient). I was so upset they had me in tears, transfering me from one person to another, getting disconnected and having to repeat the story over and over.

I contacted Dell Financial and the representative told me that I had more then enough money "open to purchase" on my account and she did not understand why I was being told that. She told me to call back and relay that information. I called back and relayed the information and the sales person said he would verify that information and again hung up on me.

I have yet to get through to a customer service operator and I have yet to have my situation resolved or my questions answered. I was so stressed out it resulted in a migrane for 3 days. I have never been so disappointed or angry with a company before.

I purchased ink from Dell. I was waiting for it to come and then my printer broke so I did not need the ink. So I sent the ink back to the Dell. I did talk to Eydie #664434 on 9-24-09. I want them to clear my account to zero and leave me alone as well as a apology.

I paid March 17, 2009 the Bal $1854.72

I called Dell on March 27, 2009 to verify recieving my check. They stated Yes, we Posted the Payment on March 20, 2009 for $1854.72.

I have been receiving bills, late fees and now they have turned it in to a collection company stating I now owe over $400.

They have harrased me every week day and night. This account was completley paid off. Now it perhaps is effecting my personal credit. If I owed them I would pay them. BUT I DON'T. Please hekp me get this straight. I have bought several lap tops from Dell.

I have recieved cheque for payment of Rs. 73,331.99 only as agianst the amount of Rs 73,332/- paid by me on 11/09/09 and the iterest for the amount due to me along with the courier charges incurred twice You had also given a false assurance in reply to my reminder emails that the refund along with interest and courier charges is under process.

Please note that I made the payment immediately (without any further questions asked) as soon as [Dell] confirmed and assured supply of the laptop as per configuration/colour/specifications provided from your end. [They] have either ignored or ommited to include the interest amount due to me for a payment taken by you based on a false assurance. I hereby inform to immediately send the interest amount along with courier charges incurred by me twice, or else I will be forced to take necessary legal steps at [their] cost and consequence to recover the amount due to me.

Soliciting a positive and immedate action from [their] end - so as to avoid unecessary and akward situations including adverse publicity for DELL, which I do not want to bring about. But can rest assured that I will go to any lengths, legally permitted, to recover the amount and will also take up the issue across various forums globally.

I am a business man who works on borrowings from banks and my money attracts interest on a daily baisis. DELL have conveniently ignored/omitted to pay interest on money taken from me on a false assurance

of $ 300 from my checking account, I don't even have an account with Dell, I called them spoke with several people, was given a fax number to fax my bank statement, then was told that was the incorrect fax number, they gave me another fax number, finally they got the fax, but still is refusing to give me any information,talked with my bank filed a complaint, they said they would look into the matter but it would take some time, why is this allowed for companys to remove funds from a checking account when you don't even have accont with them, is there any legal action I can take?

well the bill I got showed finance charge and found out they charged me 35.00 shipping. I called several times and never could get anywhere. Talked to the Vice. Pres. Nothing she could do.

Several years ago I purchased a computer from Dell during a promotion and had no problems paying it off in a timely manner. This June a wanted to upgrade to a new computer and printer and called Dell Sales Dept and gave them my new address and phone number since I had moved from Louisiana to Texas.

The computer and printer were delivered and I began calling Dell when I could not get my statement. I could not reach a real person and entering my SS# did not do any good because the computer just said there was no account with that number.

I was told when the account was brought current I would have the charges they had added removed since this was there mistake and I was not the first person this had happened to.

To my surprise I am now told that it is my fault that I did not receive the statement and the promotion no longer exist since I did not pay in a timely manner. They are not removing the charges as I was informed they would and i am now having to pay interest on a promotion because of Dell's mistake.

Since I gave Dell all of my information at the time I purchased the new system. For them to now blame their mistakes on me and continue to charge me for it gives the appearance of a deliberate attempt to charge interest to clients instead of allowing the them to payoff the account during the allowed promotion.

I checked out a "No interest for one year" incentive to purchase a laptop by a certain date by asking two Dell employees and two other Dell Financial Services employees whether that meant "No payments needed to be made for a full year." Each confirmed that to be the case and explained that a substantial finance charge would apply if full payment was not made when due in a year. This was fine, and suited my needs at the time. I purchased the laptop by the required date and was extended a preferred acct with DFS. The 1st bill I received was consistent with the promises made. It said that to "avoid deferred finance charges" I was required to pay the full cost of my purchase by 4/7/2010. About a month later (May 14), I received an automated phone call early in the morning saying my account was in arrears. I called twice that day, and spoke to two different people (both of whom had the last name "Smith"), who promised a supervisor would call me back in 7-10 days. No one ever called. I wrote a letter to DFS Customer Care on or about July 15th, including copies of the writings I had, with all the names and dates, and asked them to honor their promotion. No one responded. I wrote again on September 16th, this time with a cc to Dell, Inc.'s General Counsel, and received an annoying response saying the promotion was cancelled as to me because my account was in arrears! On October 2, 2009, I called the number on the letter, and after a long time got them to cancel the several hundred dollars in additional charges in exchange for my payment of the full cost of the laptop.

We went to pay our bill on line, as usual. It is due Oct 12th. Today is the 9th. We were informed that our payment would be credited on the 13th, making us a day late. If we wanted our payment credited the same day, as before, we would be charged $9.95! Their explanation is that it is the weekend; even though it is before 9 AM and that they are not a bank. After complaining, they forgave the charge, this time. Some scam.

I ordered a laptop and paid for it then. I later was sent a Denial of Credit letter. I reported this to Dell financial, Lauren. She told me to file will Dell fraud. Neither Lauren, Dell financial, or fraud will return a call. I have also reported this as attempted identity theft to the 3 credit agencies

Back in April of this year i needed a new computer. I did not have the cash, so I decided to use my Dell account, which i have not used in two years...zero balance. i received my new computer and started to make my monthy payment...all on time. last month when my invoice arrives, it says that my intrest rate is going up 5%. I call dell and speak to a manager...if that what she was, and she tells my there is nothing she can do and hoped that i will continue to use dell. i let here know that the reason they are upping my rate is to avoid the credit laws that take affect in 2010. I also let here know that i had never been late with a payment. Again, she says there is nothing she can do. After that, I let her know that i will vever purchase a dell product as lond as I live and that I will no longer care if they receive the paymant late or at all and thatnked her for her time and hung up on her. Does anyone have any other solutions?

In August of 2008, I purchased a computer for my brother. I opened a Dell account to pay this off. No Problem, until just recently, I received a notice from Dell welcoming me to a NEW account. Knowing full well I did not open a 2nd account I first thought of course, someone is using my name falsely. I contacted Dell on Sat. told that I had to wait until Monday to contact the business office even with concerns of fraud. I then contacted my brother who had indeed talked with a Dell rep on the phone on Sep. 30 or Oct. 1, the rep told my brother of a plan to insure his hard drive for about $429 for 4 years at $15 per month.

My brother stated this would had to be his own bill and payment at his own address, they assured him it would. He told the rep he had asked for credit before but was turned down, they said no problem. My brother has an obvious disability, this can be discerned in a simple phone conversation, his ability to comprehend and levels of anxiety in a phone conversation are extreme. He was assured this would be fine. When I got the notice from Dell that a 2nd account had been opened in my name and then talking to my brother, I realized that fraud and deceit by DFS was apparent. My brother had never been told that this billing would be possible by creating a new account in MY NAME!!!! All of these conversations have been recorded on your end.

My brother, under much duress, has hopefully been able to resolve this deceit by your company. I am forwarding this complaint to the San Francisco Law Firm who filed the class action suit and the Attorney General of Hawaii. Your actions reek of deceit and fraud.

My 83 year old mother and I bought a Dell 1501. It is our third Dell. We had always had good luck with them and got just what we ordered. This time the one we called about was no longer available although we had just gotten an ad. We bought the 1501. I explained that we already had the programs we needed and had the hardware, just needed a new (notebook) because the old desktop wasn't working. They asked what we had, I told them and was surprised to learn that a program called Vista was loaded and didn't work with anything we had. I had also explained that at that time only dial up was available in our area, couldn't even get wireless on satellite.

After six months of calling, hours of frustration and phone bills (a cell phone, often costing expensive minutes even though toll free), they told me that Vista wasn't designed to work with dial up. Not to mention that the $599 computer we have been paying on for almost two years (and now owe over $1,000 somehow!) is basically worthless. I was told we had had it for more than six months and they wouldn't do anything about it. All I asked was that they put XP on instead of Vista.

The finance charges began soaring, late fees and fees we don't know what they were keep piling up. We had been paying on time hoping in good faith to get the computer up and running. Their finance company calls seven days a week beginning early in the morning until exactly 9:00 p.m. Some days I would time the calls every 15 minutes (needless to say I had quit answering long before). They began calling my 85 year old mother that often; even calling her at work, before work, in the evening. They got her to agree to give them hundreds of dollars she didn't have trying to save her credit record. The account (and the small business she had) was in her name at the time we made the purchase. The balance keeps going up on the computer and I've begun to think it isn't ever gong to pay off or be fixed. We had been loyal Dell customers for years buying only from them. We expected better.

My original purchase price for the Dell computer, purchased in Sept. 2007, was $1721.72. Now, after 2 years and payments of at least $1400.00, Dell says I owe $2200.00. This is due to their adding finance charges, "late" fees, and credit protection plans that I never requested. I have never been told the due date of my bill, to try to avoid the "late" fee of 35.00 per month. the consequences are that i will NEVER get this bill paid off. When I called and asked Dell Financial if i could include them in my American Credit Council debt payoff program, they said ABSOLUTELY NOT, that Dell doesn't work with any program. My only alternative will be to file bankruptcy, and ruin my credit to get this HUGE "monkey off my back"mayoral

Dell keeps referring me to there collection company, and say they no longer service my account. If I call the collection company they say I have to call dell. I have spent hours on this over a long time and have not made any headway. I can prove I paid dell off but no one there seems to care.

Isn't there some recourse for me? is this not similar to a bait and switch or truth in selling? I was out right lied to with a false promise.

While the loss of a 100 dollar credit does not damage my financial situation, it did make me take a hit on my credit score for opening another credit account. Now, if i choose to close this account, I will take another hit for closing it. In this age of bad credit gone rampant, I am extremely angry over this.

I'm like most people and maybe forget to pay a bill once or twice in my life but not 20 times. How can they expect you to pay a bill in a timely manner when the due date is different dates and you never get your bill, then you call to get it resolved and the person you talk to doesn't speak your language and you end up getting no where. This bill will go to collections, I'm sure they are charging me and others late fees to pay for the CEO to have a million dollar bonus and take one hell of a vacation

well for one this 900.00 laptop has had 900.00 paid yet they say i still owe 1000. get the run around when trying to resolve still is not resolved

I have been layed off since last Sept. So I put a claim in due to unemploymet like the lady from cutomer service told me to do. I was told I had waited over a 180 days and I was not entiltled to benefits. I am trying to keep my house but things just seem to be getting worse even though I am looking for work and paying my bill the best I can.

I financed a Dell computer in 2006 and been making payments for the last three yrs on time and over the minimum payment that is due. The computer was original purchased at 660.00 and now I have a balance of 1200.00. The Dell finance number will not help in seeking a resolution to my problem. I do know that I have paid several times of the amount of the computer.

I purchased a laptop from Dell. I recieved a reciept that said it was $980.00 and I was charged $1,335.00. I had several issues with this and had to have it serviced many times. I paid over $400.00 extra and consequently two years of interest on my credit card.

We try to contact several times for the last two months but no body was able to help us and us today my account is $81.00 with penalty and late charges, when my balance supost to be $0.00

I financed a computer for $1500.00 I am ending up paying almost $4500.00 for the thing.I had to finally let it go to collections because the bill wasn't getting any smaller.I would send them extra thinking I was getting a jump on the next bill,but it didn't happen.

I purchased a computer from dell Oct.3,2004 for $1000.44. I was told at the time that there would be NO INTEREST charged. It has been almost 5 years and I owe 1784.72. on the computer which is junk. Have tried to talk to them on 3 different occassions and got no where. PLEASE HELP

I want to know why my bill has doubled in such a short time. I draw a disablity check. I barely make my bills so there is no way I can afford to pay this. If you don't get all these charges off my account I am having all my credit cards consaladted into one payment so I can make the payment get back on track again.

I purchased a computer in late 2006. I financed it through Dell Financial. When the first year's worth of payments were made, they put my interest rate up to an astronomical amount. I was in school online and my previous computer died in the middle of a semester leaving me no choice but to finance a new one. My husband had also left me after 9 years of marriage for no reason leaving me with numerous bills to pay promising assistance, and never living up to that promise.

My financial status became difficult to manage and I contacted my creditors to make arrangements. I spoke to Dell on numerous occasions, many of which were due to harrassing phone calls for bill payment. When I spoke of my situation over a year ago, no offer of any hardship program was given to me, no matter how much I pleaded. I paid my bills, but late every month. Even though I kept in touch they sent me to collections.

My account went through several collection agencies. By that time, Dell's lack of understanding with me and my attempts to make payment arrangements ruined my credit. All of my other creditors were able to work with me. I don't know why they are so different.

Finally after the collections agency began harrassing me on a regular basis and many attempts to contact Dell about this, I was able to reach their hardship department with Dell Financial. They apologized profusely about the situation with the credit agency and took my account back with a hardship program. This still doesn't fix the problems with my credit all of this has caused. If they had done this for me a year ago when I told them there was a problem, I wouldn't be in such a horrible situation.

Now, I have a computer that the hard drive has crashed on that is less than 3 years old. I purchased it for $1,424.20 and have paid $1,344.75 on the account to date. I owe only $129.45 on the original price of the computer. My account balance because of Dell Financial's way of doing business and the very high interest rates is now $2,766.39. Not to mention this balance is on a computer that is DEAD!

Because I couldn't afford a warranty to extend after the first year, Dell states they can't help me with the crashed hard drive without paying for technical support. I am having a hard enough time as it is! The fact that the computer is dead is not even an issue for me anymore as there is nothing I can do about it. The fact that I still owe $2766.39 on a computer that I purchased less than three years ago for $1,474.20 and have already close to paid as much as the original purchase price makes me absolutely livid!

I need assistance. I don't feel I should pay any more money for this computer other than what is left on the original purchase price. Dell did not work with me when I tried to tell them there were payment problems until it was too late. I also asked them to mail me an itemized statement of my account nearly two weeks ago that they said they were putting in the mail and it still has not arrived.

I have also tried to call Dell Financial numerous times over the past week with very long hold times resulting in disconnection of my calls, and now this morning, I get to the department I need and I get a message stating "the department you are trying to reach is in a meeting, please call back in 2 hours!" with no ability to leave anyone a message. This is frustrating and I can't take any more of it.

Several months delinquency showing on my credit report causing me not to be able to obtain credit anywhere. This is not because I haven't tried to get help! It's because no matter how much I asked for an arrangement, they failed to assist until it was months too late. Their collection agency I.C. systems is also terrible. They harrased me daily even though I sent a cease and desist letter. They claim they never received the letter. They wanted me to pay several hundred dollars at a time, and I told them what I could afford. Nothing was ever good enough to stop the collection calls. They have literally ruined my financial life.

Every year I have bought a Dell computer and paid it off during tax season as I am a CPA. (past 3 years) I called to purchase a computer, January 2009 and asked to purchase a computer and that I would be paying it off during tax season. I was told no problem, I can pay it off early with no penalties and interest. I have now found out that I was signed up on a 24 month lease to own my computer!

Dell is now saying that they charge FMV of the computer at the end of their 24 month lease with purchase price of $400 to "own" my computer. This is an additional $400 along with monthly finance charges. I feel I was scammed by the salesperson.

I called to resolve this issue to pay the balance I owed on the computer and for them to drop the additional $400 due to false information I was told. I specificly said I wanted to purchase the computer.

First of all, I was giving false information about my computer purchase. Second of all, who really determines the fair market value of the computer? I asked Dell if they were willing to lose a client over this scam and they were. They would not correct this problem. I am appalled. I am only willing to pay for the balance I agreed upon to pay for my computer.

My experience with Dell has been unbelievably bad. I purchased a computer and paid it off IN FULL. Several months later I received a bill for $640.00 and didn't even know what murchandise this was for. I had ordered nothing else!! The worst part is that my son and I repeatedly tried calling Dell to straighten this out. Each time we were on the phone for 10 to 15 minutes being transferred several times explaining our problem each time. Finally the call was cut off. This happens each time we call.

The letters I wrote begging for a response have gone unanswered and ignored. Then last week I got a bill from a credit agency stating the account was being turned over to them for collection. I was furious and called the collection agency immediately; they do not know what the bill is for. I explained our luck with phones calls to India to agents who do not speak English in trying to straighten this all out.

This is so difficult to deal with and if I could afford it, a lawyer would be the one to contact the credit agency so this phony bill of $650.00 would not go against my credit. Buying from what I always thought was one of the best companies has been nothing but a nightmare and it isn't over yet. I will never buy one thing from anyone again who is associated with Dell.

When asked to speak to a manager, the operator put me on hold for over a half hour before she returned and told me to call back in 15 minutes. I did as she asked and placed another call only to get an operator to hang up on me after pulling my information. My husband then called and would receive the same treatment.

My x-husband lost his job; laid off. Resulting in me not receiving any child support; two boys, one in high school and one in preschool. I Called DELL to see if they can lower my interest rate, which his at 27%. They have refused to lower my rate and are not willing to work with me. I've been a customer for 2 years; NEVER LATE ON A PAYMENT.

I purchased a dell Desk top computer in January and then a lap top in February using the dell financial services credit card. I was talked into that as I would qualify for some added coupons and bonuses. I then paid off the Deck top but after just a week the keys on my lap top started coming off. I notified Dell and followed their return policy within in their time limit. I then purchased a Sony laptop paying cash. There were some extra charges on my account that were finally credit back to me after a month of hassles and phone disconnections from their international customer service (India). I started receiving monthly charges from Dell's credit card protection services. I had no idea that I had a credit card protection account. After many frustrating calls they finally canceled my protection plan account but refused to credit back the previous late fees monthly charges on a balance that was finally credited back to me by dell.

i went in a store in orchard road to purchase a dell charger i was told it was 88 dollars singapore ihave been charged 320 dollars on my credit card when i pluged it in it exploded damaging my laptop i am part sited and was not given a reciept as i am not in england i dont have the credit card details but can get them when i get home to london i just thought i would complain as i know that singapore has a good name

2.They replaced faulty key board with different colour as they didnt have the appropriate colour in stock

3.Battery died just after warrenty ran out.Contacted them "Tough Luck"

4. Charger unit Failed just after the warrenty ran out .Contacted them"Tough Luck"

6.I still owe 1000 due to Dell Finance having a laugh at my expence.

7. I now have the most expensive foot stool ive ever owned.

8. Regulary update my 2 house hold laptops every 2-3 years, what a good customer they have lost.

9. Just purchased my wife a Sony, I hope there laptops are OK. and I hope i get a service that makes me want to stay with them.

I have excellent credit, have a Dell Preferred account, and over the past 20 years have purchased at least 10 computer systems from Dell. Needless to say there has always been some problem with the order that takes forever to get straight. Last January, I ordered a printer, some extra ink cartridges and photo paper from Dell. The printer came but not the ink cartridges or paper. They were on backorder. Dell contacted me 4 times by e-mail asking if I still wanted the order and each time I said yes. Eventually they just cancelled the order without notifying me.

They have been sending me invoices for the amount due for the past 6 months. I have contacted them (by phone and e-mail) at least 10 times to explain that I never got the order. The financial services people say they can't do anything - I need to call customer service. The customer service people say they can't do anything - I need to call Financial Services. Needless to say, I have paid and now they have filed a claim with a credit bureau (for $26). I have all the records and have to explain to them each time what's going on because they don't have a clue. I'm not paying for their mistake. Next step for me is the better business bureau and a lawyer. I now believe that incompetency is the foundation of Dells business model. I cant believe they can afforded to lose customers like me with such poor performance on their part.

I had purchased my computer from Dell, but now have to deal with Dell Financial Services which has the highest interest rate I have ever seen on any of my credit cards. They attach a $39 late fee monthly and will continuously raise your credit limit so you will get deeper and deeper into debt with them. If you are late you receive a call from someone located in India and NOT in the U.S. and is impossible to deal with. I purchased my computer in 2003 and it cost me a little over $1200. Well now according to them I owe over $2000 and have paid monthly at least $25 over the monthly payment. I looked into it and that was when I noticed they had raised my interest rate from 24% to $29% and I also noticed the attached late fees when payments were not late. Each time I ask to speak to someone from billing they don't deal with that, it's always a different department. They give me a number to call and low and behold...I can never get a live voice. All I get is an automated line stating press 1 for account balance, etc. I have attempted to press "0" for a live person but it will never connect. HEED WARNING everyone....NEVER BUY anything from DELL.

I get my bill, which is for 2 computers. I pay over half of the bill and wait for the credit to catch up. It is now July 9, 2009. I have made numerous calls to Dell to straighten this out..I have actually overpaid Dell and should be receiving a $150 credit. Thought I had it fixed in mid June. I have been receiving collections calls from Dell, sometimes 6 times a day. I just talked with Dell and "it is not their department...they can only see the purchased in April and that I am overdue...."Why am I not paying them" they ask. After 10 minutes, the phone disconnected and they didn't even return my call. (They have all contact info for me. I have had all the fun I can stand here. Although I like the computer, I doubt I will ever deal with Dell again.

I ordered a Dell Laptop computer, based in part on your recommended lists.

Dell Financial Services takes on the billing. I think this is a ripoff, as they make more $ from periodic charges than from the sale itself. No reason they should bill me from DFS instead of Dell itself. Sure enough, on a phone call, they talked about monthly charges, etc. I objected and insisted I would NOT pay for anything beyond the cost of the computer. I got some static about this. They would allow only one payment at a time, leaving them the possibility of dinging me with monthly extra charges.

I have had a Dell Preferred card for 2 1/2 years. Over that time I have never missed a payment, have almost always paid much more than the minimum, and they have raised my limit several times. Today I received a letter informing me that they had closed my account due to deliquencies to Dell in the last 13 months, too many credit inquiries, and too many accounts opened in the last 24 months. I have never been late on a payment to Dell! I have opened two other accounts in the last two years, hardly "too many". As for too many credit inquiries, how many is too many? They stated that this was also based on my credit report. When they issued my card 2 1/2 years ago I was in the middle of a bankruptcy and they didn't have a problem with my credit rating then! I got the card to begin with to help reestablish my credit, and have maintained a perfect payment history since then on all my accounts.

I purchased a Dell computer system under a 9 month 0% interest plan. I received my second bill and noticed interest being charged. I called DELL who told me that the system I brought was not eligible for the 0% financing despite being told during the time of purchase it was. This is the classic bat and switch financing and dishonesty Dell has been famous for. In 2003, I purchased a Dell system and fell victim to this at this time too.

I've ordered 6 thing, a laptop that I like, order was for a 350MB hard drive, they send a 285MB hard drive in it. I called and the lady said it works so whats the problem, I asked what about the difference in the drives she said, nothing. My wife has been out of work for 4 mo. we paid all of our bills on time but One, BECUSE OF THE ROTATING DUE DATES (ILLEGAL) I ASK YOU. so we put our credit cards on hold. Sure our credit hurt a bit, but I continued to pay dell. Now thy close it, well **** them too. We paid for them for 7 months my credit limit was 3500, my current bal 998.26 Good luck Dell,

Dell financial services conned me into getting a so called 0$ APR financing deal for 2 years but

started leving interest after 1 1/2 years. They helped me setup my online automatic payments over

phone, for a period of 2 years so that by the end of the term, the laptop (which incidentally cost

only $750) will be completely paid off. In the meanwhile I changed my address and updated my address

with them (which they never did - so I stopped getting any more statements from them- see below for

their promptness in updating info..)

Suddenly, I think almost after 3 years, I get a call from a collection agency saying that I owe DFS

over $200. Only then I found out what had happened to my account, the amount they had told me over

phone was falling short of the total value of the laptop by something like 55 or $60. I paid a portion

Additionally, the time was not 2 years as they had told me and calculated the monthly payments for --

it was 1 1/2 years and so interest and penalities were levied at that time totaling over $200. After

calling and spending more than 3 hrs on the phone I got one decent guy from DFS who was willing to

look into the problem.

Brad gave me his personal extension number and told me he will get back to me

after reviewing the old documents since there was clearly an error somewhere. (by this time I had

changed my address with DFS 3 times and still Brad told me they were sending the details to my older

address - he finally managed to change the address at this time) - unfortunately, when I tried to

contact Brad at his extension again after some time had elapsed (and I got no call) - the name in the

At this point I called some more to try get some info and finally gave up, since I wasnt getting any

Now I get a call from another collection agency / attorneys saying that I owe them $575 - for breach

of contract etc. and willing to settle for $475. I am outraged by their attitude and ethics - this guy

from the collection agency/attorney - said it was probably their fault and was willing to reduce 100$

2) they never updated my address even after repeatedly calling them so i never got any idea of my

3) they refused to stop escalating charges/ get back with any reasonable information about what was

going on to resolve the issue -- whenever I talked to them - they kept saying that I owe that money

and I have to pay it!

I even offered to buy a new laptop from them that will cover the money I owe them(I do like their

I pay monthly bills larger than the laptop and I find it outrageous that I should pay them for their

mistake. I now know how this country is in such deep problems - thanks to unethical business practices

aimed at making money through devious means. If someone from dell was/is willing to listen to the

customer and do something about it - this could have been avoided and they might not have lost not

just one customer but I am going to petition my friends and former corporate(university) employer to

stop buying from Dell.(incidentally, I was instrumental in getting them to get computers from Dell for

the past 6 years I was with them)for their business ethics are extremely devious and fraudulent.

I went online to dellfinancialservices to check when my next payment would be due when I noticed an "Over The Limit" message. I currently have a balance of about $600.67 and thought that was strange since I have $2,399.33 in available credit. I called and spoke with a rep by the name of Rachel who informed me that my account had been closed because of my credit report & that I would receive a letter in the mail in a couple of weeks explaining this. This practice is something that Dell just started according to the Supervisor (Rachel) I spoke with.

Received the computer on tht 14th of May, coming to find out that there was some major problems with the solftware within their system, even when knowing when the quad processor is much faster the a dual core processor. Being visually impaired, it was difficult for me to do the task for trying to resolve the issue with the unit. In trying to resolved the matter with the company, I was trying to make then understand that I was visually impaired, it was talking to a breakwall and this unit was still under manufacture warrenty. the company waited until the 21 days expired, and still knowing that I don't have a working unit, which is just still sitting in the living room. In having a comversation with many of the folks who for some reason don't know what they are talking about, I was still receiveing the run around with the company, finally giving up after 6-8-09, knowing that the company would still give me the run around with the unit.

Forking out $ 1400 for the unit, and stil not working, and have been wanting to returned the unit back dell for a replacement or the charges taken off the account. For Right now I'm at a loss as what to do at this time. Here are the folling express codes as the many times that I have deal with these folks at dell.

It is my understand that the company uses referbish parts, which is the most of the cause with many of their defected products, and with the many unqualified person who are underpaid, with no training when it comes with computers or any other products that is made or suppose to be made. I would consider this action of their is a vilolation and a breach of their contract with their customers.

I have made some mistakes over the years as new parents we accummulated some large bills and we got behind. We started out 33,000 in debt about 2 1/2 years ago. We looked for help and came across a company called money mgmt international who we have payed a set fee(lower interst rates) for 2 1/2 years and have lowered our debt to about 18,000. Dell financial WAS the ONLY company not willing to help out and join the plan.

Since this has occurred my wife has been diagnosed with type 1 diabetes and we know have mounting med bills. We have a car payment. All in all i will be debt free from the car and all other credit card bills in about 2 more years at the current plan. Dell however has turned a $1491.46 computer purchase on 02-12-07 into $2476.95.

So after 3 years i owe them still $1,000 more than the intial purchase amount. I NEED HELP BAD!!! Is there anything i can do to stop them? I talked to them 6/21 and after 3 years the best i can get them to do is lower the interest for 6 months to 9.9 % but all this will do is enable me to lower the amount by around $250.00 after which the interest will AGAIN go up to the 22% its at know and the same problem is likely to occur? PLEASE HELP! i believe i have already payed the worth of the computer back to them.

Well I decided to get a new computer for personal use. We had already bought a desktop from Dell in the past and figured wouldn't hurt to have two computers so My husband and I ordered another from Dell I told the lady I talked to from so foreign country I am sure!! What I wanted to do with the computer she said sure no Problem and told me the computer I receieved will be perfect.....Well it arrived and I quickly found that I couldn't do anything with it like gaming because the operating system was wrong so after about a week of me calling them (Dell) they told me I would have to send it back and they would send me another one.

Well when it arrived it was a totally different computer all together but it has worked good... for now! That was not the end of screw ups It had been about a month and I notice that 2 payments were coming out of my account for two different computers so I tried getting answers from both Dell and Dell Finanical they both kept pointing the finger at each other so for about 6 months I was forced to pay for a computer I no longer had I finally had to stop all payments to get the right answers which it did! Instead of getting all my money back for the other computer they took it off the princible of the computer I had and told me that this would not affect my credit which was flawless but I just found out it did affect my credit and still no one will answer my questions through Dell or Dell finanical......still waiting

I have been a dell customer since june 05. In June of 2008, I made a purchase for a laptop and charged it on the dell preferred card. During the purchase, I asked the sales rep to update my address and phone number since I had moved. I specifically told him, from now on I want all correspondence sent to me via this new info and the sales rep told me all my info had been updated. He also told me that my montly payment was 15/month. I actually paid $1040 by December and I checked the balance on my dell card when it was zero. I therefore stopped paying.

In june 2009, I checked my annual credit report and so that I was 22 behind my payements at dell. Immediately I sent the payment via bill pay. I then called Dell to find out why I was never advised of the late payment. This is where my nightmare begun. The sales rep did not update my info as requested and Dell still had my old info, I then told them that I had moved. I told Dell that I had sent the payment even though they did not contact me as required by law and all I wanted was for them to remove that late payment from my credit report and they refused saying that it was not their job to contact me nor update my info.

Dell is ridiculos, when u call they take u through all these prompts, I got hanged up on 3 times by the reps in India and after holding for 1 hour when I requested to speak to a manager, this rep by the name of Priya told me that none was available and hanged up on me. Putting this adverse info on my credit is going to result in higher interest rate.

When I replaced my old Dell laptop with a new one, I was offered a Dell Financial Services (DFS) Preferred Account, with a bill start day of 45 days or more. I never received any account information or account number confirmation from DFS and so I called several times to inquire about this and when my first payment would be due. I was consistently told that it could take up to 8 weeks to get my first statement.

When I recently (6/12/09)purchased an accessory from Dell, I was asked if I wanted to place it on my DFS account. Before I agreed, I asked the sales agent why I had not yet received a statement as yet. She again assured me that it could take a while. She asked me for my DFS account number so she could check my credit in my DFS account in order to charge the new purchase to the account. I told her I did not have a DFS account number as yet, and again repeated that I had not received ANY correspondence from DFS. "Not to worry" I was told it should arrive any day now. So in order to access my account she needed my full social security number and my mother's maiden name.

I reluctantly obliged (not wanting to give my whole SS number over the phone to a sales agent) but I also wanted information on my DFS account and the agent told me that giving that information was the ONLY way could access the account to give me that information and place the new charges on my account. She placed the new charges on my account and again told me that a statement should arrive soon. I was told nothing about late charges, but was told the accurate amount that my charges were--and only the charges, not that by that time unknown to me that there were also late fees and finance charges already accrued.

The very next day,(a Saturday) I received an automated call informing me I was overdue on my DFS account and that I owed $67.14 in overdue fees and finance charges. This was my first notice of this and my very first communication of any kind from Dell Financial Services. I have disputed these charges and paid off my full balance for the purchases only, (less the finance and late fee charges) and I am awaiting resolution form DFS.

I still have not recieved any monthly statements from DFS and was told I should check with my post office about missing mail. I responded that it would be an incredible coincedence that with all the hundreds of pieces of official mail and bills each month that my husbacd and I have sucessfully received in the last 2 months via the US Postal Service for the 3 businesses we own and manage(we do not have online billing for our credit accounts)that the all 3 pieces of correspondence DFS says they send (a welcome package with my acct. information, and 2 monthly bills) were the ONLY bills the US Postal Service supposedly did not deliver.

I am beginning to feel that I will be paying for these stupid computers forever I don't know where to turn, someone please help. After 3 or 4 years I am still making payments I am making 100 dollar payments and it really doesn't appear to be going down. I will never go through this company again for anything.

I now have a 32 inch HDTV that is not working and Dell nor Vizio will take responsibility for it. I would like to know if anything can be done about this type of scam.

I am being harrassed for 1 1/2 years to pay for a repair that never took place.

Two months later, I get dunning messages from Dell to pay $498, and I called Dell many many times trying to straighten it out and only got run around.
And then the calls started coming... 6 calls per day for a year. I bought a phone line logger and recorded many of them. One of the recordings was from Michael Cotton from Dell Financial Services, who agreed that I had a case and they will close me out and not bother me, but... the main Corporate keeps hitting me with other bill collectors to this day, and my credit rating is tarnished by this one and only negative report on it.

They are saying I now owe them $782.93.

My issue is with the charge to my daughters Dell Preferred Financial Account for the data recovery service Dell sold my daughter on March 18, 2009 and subsequent late fees. When offered the service she was given a "Guarantee" that her data would be recovered, no conditions or exclusions were given, however after purchasing the service the error message that was given to the Dell Service representative by my daughter when trying to run the utility sent her indicated a corrupt file and the representative stated there was nothing that could be done to recover the data and that the operating system would have to be restored.

Not wanting to do that my daughter took the computer back to college with here where a friend was able to get the system booted to the point where her data files could be recovered. After doing so he then restored the operating system her self and now all is well. I then requested a refund to her Dell credit card for the full amount minus the shipping charges for the utility they shipped her, I thought that was a fair charge.

Since then I have been told multiple times that the account would be credited to but no avail. I was given two case numbers. On April 1 I was told the account was credited the purchase amount on March 28 but would take 3-5 business days to appear on the account. On April 2, 2009 a new statement arrived showing the original amount. I called Dell again and was told by the Support group that they had authorized the credit only Dell Financial could actually issue the credit. Since then I have called the following numbers multiple times: 866-, 877-, 800-2, 800-6, 800-62, 888-. I have spoken to a G. Brown, Satish, N. Williams, Ben, Margarita, Shaw, Angel and a few I could not understand.

On June 3, 2009 when calling 888- I spoke with a Patrick who told me there was no record of the March 28 credit but was finally able to give me an Internet Confirmation Number authorizing the credit for the original amount of $129.00 as of June 3 but could do nothing about the subsequent late and finance charges and directed me to Dell Financial. I have also had multiple email correspondences to CustomerResolution with a Saranya, Senior Support Resolver from Dell Resolution Expert Team and a Anto also a Senior Support Resolver from Dell Resolution Expert Team with limited or no success.

Finally my daughter was able to get the finance charge and late fee for one month credited but was duped into paying the June 2 charges with another credit card. We have been dealing with this issue far too long. It is a disgrace!

I am a victim of excessive interest and late fee charges by Dell Financial. An initial $1300 purchase in January 2004 is now a $2900 collection item. I was never contacted about the class action suit against Dell and want to know is there any relief available to me at this date under the circumstances I described.

I purchased a laptop computer in January from dell computers. I was informed at the time of purchase that I had not interest no payments for a year. I never recieved a bill or any documents pertaining to a bill. I called and they claimed it takes time to recieve the statement. I then got a phone call 2 months later saying that my account was pasted due. They charged me several late charges and interest penalties. Dell never agreed to send me out any documents in reference to my bill and what was the total amount before the interest & penalties

From the beginning I had trouble with Dell. From not receiving the options that I ordered to finding out that Dell Financial was not a company you want to deal with. I spent the next few years trying to deal with the financing. From charges that they did not advise you of to charging you for making a payment to payments that they did not credit as they advised they would.

Then try to deal with their collections from out right harassment, refusing to identify themselves to calling repeatedly at your place of employment even after being advised not to and calling at improper times and when you have specifically asked them not to call. I even had them calling on Sundays. This account was supposed to be settletd over 2 years ago, after having to involve an attorney, and I just found out that they never listed the account as paid off. Go figure.

Dell Financial has been calling a former employee where I work. She left over a year ago and owes them money. It is a recording that calls and gives the option to say they have the wrong number but then they continue to call. I could not reach a live person as they wanted the message # (which I provided) and zip code but the one she provided is not my work zip code. I called another number I had online and advised she is no longer with our company and tried to give them 3 other contact numbers for her but they would not take them (????).

I advised that they would then not get paid and may be involved in a lawsuit if they did not stop harassing us. I finally had to ask for a supervisor and spoke with Rowel who was very nice and advised he would have our phone number deleted and it would take approximately 24 hours. He still would not accept the contact phone numbers for her but I felt the matter was resolved. I then got another call right away and actually got through to a live person and when I tried to explain what was happening, he hung up on me. I called 1-866-522-9291 again and discovered the message number was no longer valid (?) but discovered you can get a live person by pressing ###.

I got Brian who hung up on me again (think it was the same guy). I phoned back once again and got Brian again and asked why they kept hanging up on me when I was just trying to assist them. He checked their system (no apology) and confirmed the number was being deleted and to be patient for the next 24 hours as we may get more calls.

Dell Financial has been calling a former employee where I work. She left over a year ago and owes them money. It is a recording that calls and gives the option to say they have the wrong number but then they continue to call. I could not reach a live person as they wanted the message # (which I provided) and zip code but the one she provided is not my work zip code. I called another number I had online and advised she is no longer with our company and tried to give them 3 other contact numbers for her but they would not take them (????).

I advised that they would then not get paid and may be involved in a lawsuit if they did not stop harassing us. I finally had to ask for a supervisor and spoke with Rowel who was very nice and advised he would have our phone number deleted and it would take approximately 24 hours. He still would not accept the contact phone numbers for her but I felt the matter was resolved.

I then got another call right away and actually got through to a live person and when I tried to explain what was happening, he hung up on me. I called again and discovered the message number was no longer valid (?) but discovered you can get a live person by pressing ###. I got Brian who hung up on me again (think it was the same guy). I phoned back once again and got Brian again and asked why they kept hanging up on me when I was just trying to assist them. He checked their system (no apology) and confirmed the number was being deleted and to be patient for the next 24 hours as we may get more calls.

I bought a computer from Dell using a Preferred Account. I received the computer and everything was fine for almost 8 months then the computer crashed. I contacted Dell Tech support (I talked with someone of foreign accent and I stayed on the phone with them for almost 3 hours) We could not understand each other. Big language barrier. I was then connected with another tech support technician and they were located in Tennnesse.. (yes, finally someone within the U.S.) They walked me through by shadowing and fixed the computer. I believe it was 2 months later the computer crashed again.

Once again I contacted Dell tech support and was connected with a call center from overseas. Big language barrier once again. I was then connected with a tech support technician in Texas. I was on the phone with them for 2+ hours. They fixed the computer and advised me that if it happened again, Dell would replace the hard drive for free. The computer crashed again but it crashed after my warranty had ran out.

After 1 year I contacted Dell tech support and they advised me that since the warranty had ran out that I could purchase another 1 year warranty for $100. I told them that I was informed that if the hard drive had crashed again that I would be sent a new hard drive. They would not honor it. I had to take it to an outside source and had it fixed. It cost me $100+. The computer then crashed again 3 months later.

I contacted Dell once again and they told me that they could do nothing about it since it was out of warranty. I told them within a year and a half it had crashed 4 times that something was defintely wrong. The only thing I did was unplug it because the weather was to be bad. When I plugged it back up it would not come on and has been down ever since.

I also told them I was no longer able to pay the amount due each month (I could pay something but not the amount due) due to my hours at work was cut and unforseen expenses that had arose. They told me that the $39.99 was the late fee and there would be a charge of $39.99 processing fee each month if I did not make the amount specified. I again pleaded that I could afford $10.00 a month but they said that they could not work with that. I would be charged $39.99 late fee and $39.99 processing fee each month. I told them it wasn't even working and could not afford to get it fixed and I couldn't afford to pay $45 a month.

They would not work with me at all. They told me I shouldn't have bought it if I could not afford it, I told them when I bought it I could. I had again told them my hours had been cut at work and we were having to pay child support (when we have joint custody of the children) and that was what was taking alot of our money. They said that they would note that, but I was still obligated to pay. I told them I WOULD pay but couldn't afford the $45 but could pay $10. They said they couldn't accept it. They told me I should get another job. I said I would if there were any jobs out there to get!

I understand that I have an obligation to pay and can afford to pay $10 not $45 and to see if they would cut the late payments and processing fees which added to $79.98 a month! They would not help me at all and said if that was it good day! They hung up.

dell is being paid for a laptap of a year ago and i can't get them on the phone to stop the interest charges they started and nobody will help. they have my ssn and credit info and now are having their way with it.

One year ago the Consume Affairs Dept, was contacted about fraudlant tactics taken by Dell computers. Stating that no payments were received and therefore charged me late fees. Dell did contact me, BUT refused to do anything. Now one years later Dell is back to its old antics. I did contact them and Dell advises they have not received payment. This must be a way of gaining extra revenue. OR possibly due to my sending 4 times the paymnent due. What ever, it must be stopped. Undoubtedly Dell will commence to charge late fees.

Dell billed me for three charges amounting to approximately 500 on my dell preferred account in the month of February that I did not purchase. The only reason that I even knew this happened was when I went online to check my balance and I was over the limit. I never received an email of these purchases which I have with ever other purchase that I made. To top it off they have yet to send me a statement with those charges on in for the month of March. When I try to pull of the bill for March it is unavailable.

When I contacted them about the error they insured me not to worry and that they would handle it. They sent me out a fraud affidavit form which I returned to them. I never heard anything. During this time I was locked out of my account online for and also customer service was locked out as well so I was unable to review my account or make payments. In the letter that they sent along with the fraud affidavit it stated that during the investigation I would not be responsible for making any payments. I was under the impression that once they settled everything my account will go back to normal and I could make payments again online. I kept getting harassing calls from the collection department that my bill was passed I never answered the calls as I was told by a rep that I could disregard the calls since my account was being investigated and locked.

Finally after trying to get in touch with the investigator assigned to my case I decided to go ahead and pay them because it was beginning to get aggravating. So one day a guy calls telling me that I am responsible for my charges although the account was being investigated. So out of frustration and not wanting the negative effects on my credit rating I made a payment for 172 dollars and some change. Now this was supposed to be a check by phone. Next thing I know I get a statement in the mail from my bank for insufficient funds fee of $35.00. Confused I went online and checked my checking account balance. Just as I had thought I had about $800.00 in there. I contacted the bank and they told me that the funds were trying to come out of my savings account.

To be quite honest I dont even know my savings account number. Well that's when I found that they added extra zeros to my account to make it enough digits. Again I contacted them and they acted all nonchalant. Finally, around a month later they began to remove some of the fraud charges off of my account one in March and one in April. So I get my bill in the mail on yesterday and I had an extra 400 on my bill. Come to find out it was deferred interest on a purchase that I made back in July. First of all it was supposed to be no interest for 12 months and it has been almost ten.

I called them and they told me since I feel behind on my payments I was kicked out of the promotion. Now Im upset. I pay my bill on time Ive had this account for over two years and have never been last additionally I was only late because of the investigation locking not only myself but also dell customer service out of my account. On top of that if they had tried taking the money out of my checking instead of my savings it would have been paid. Keep in mind that my account is current as of now. When the investigation ended I made 3 payments back to back to catch things back up. The worst part of this sad ending is that they have not removed one of the charges from my account that Im claiming saying that it was a valid charge.

I requested them to give me the order number and the item purchased. The guy told me it was for a warranty. So he transferred me to the order department. I gave them the order number and my name and they informed me that my name was not the name on the order. They refused to tell me who made these purchases on my account. It's obvious that someone got a hold of my personal information or dell billed the wrong person because I still have my account card in my possession. They say it was a purchase for a laptop 1501 warranty. If they look at the records I have never purchased a laptop. Also there should be away for the to match up the express service code on the laptop to its right full owner and bill them instead of me. They also refused to remove the interest.

Just like all the other complaints registered with your office concerning Dell Financial, we too have had nothing but problems with them. After making several months of minimum payments when due, I discovered that I owed more than the original balance due to all the extra fees they were adding to my account on a monthly basis. I am now getting an outrageous number of calls from their collection agency assistant rapists. Early on, we asked Dell to remove the ridiculous charges and they refused. We can no longer justify paying this institution just because they think they can blackmail us.

I was offered a $100 credit that would be mailed to me for signing up for dell finacing at the time sounded like a good deal so I signed up for it. After a couple months I e-mailed them and told they would look into it right awat and a follow up e-mail that said Tami OK the rebate and it would be mail 6-7 days. Will 25+ days later no credit called and was told Tami no longer worked there and there was never any rebate ordered for me. I again sent an e-mail but no responce.

Today, I called again, I finally forced customer service and financial service to have a three way phone conversation with me. You know what? I got a an answer. The answer is order has been placed, laptop has been shipped and Dell got the payment so that Dell does not care. The discount will not give and this is Dell's way. I will never deal with Dell again.

Even though I have yet to even have my order proccessed, I have already had a very negative experience with Dell Financial Corp. On April 23rd I visited the Dell website to price out a laptop for my wife. After about two hours of spec'ing out the machine, I finally had it configured just the way she wanted it. I did however have a question about color availability so I called and talked to a man in sales named Tyler. He was very pleasant and helpful in answering my questions and even offered to help me get my computer ordered. I politely declined, telling him that I wanted to do a bit more browsing on their website and I would then order it on-line. At that point, he sounded like I had just kicked him in the teeth.

After hanging up the phone, I realized that he probably worked on a commission basis, and since I had done exactly that myself in the past, I decided to call him back and place my order with him after I had checked everything out. At that point he informs me that Dell has a 12 month no interest loan available. I usually pay cash for everything I buy, but figured if Dell wanted to let me use their $$ for free for a full year, why not finance it and pay it off before the 12 months was over.

I placed my order with him, got approved by Dell Financial Corp(or so I was informed) and figured I was all set to go. I even recieved a confirmation email from Tyler thanking me for my business, and another shortly thereafter from Dell Financial telling me I had been approved for X amount of $$, along with an assigned account # to reference. On the 25th of this month, I recieved another email from Dell showing the status of my order as being "cancelled." I called my buddy Tyler to ask what was going on and he tells me that it appeared that D.F.C. couldn't "verify" my financing.

I was unclear as to what he meant by that so when I asked him for a clarification, he tells me that DFC had attempted to call me but got a recorded message saying that my number was no longer in service. I told him that was rediculous as my telephone # has always been in service. I then reminded him that he even called me at the # I provided on three seperate occassions(he also asked me for it about 15 times during the order process). He then asked me if I had a different phone # than the one I provided to him. Since I don't, I became even more curious as to what the heck was going on. He says that DFC called the telephone # that was assigned to my social security #(I never knew there was such a thing). When I ask him what number they were calling he reads off a # that I had three years ago at a location almost 300 miled away from where I currently live.

So instead of letting the right hand know what the left hand was doing, they just decided to go ahead and cancel my order. Tyler gave me the direct # to DFC and I call only to get someone with very broken english who is virtually impossible to understand. I did however get that she was informing me that I provided a them a non-existent phone # so my account could not be verified. After explaining the situaltion to her three or four times, she puts me on hold for about 3 minutes, comes back on the line and tells me that I will need to wait 10-15 business days, at which point I will receive a decline notice from them that will also explain their appeals process. I asked her why she couldn't just call me back at the # I had given them on numerous occassions and verify me over the phone and she just says, "we can't do that".

Sooooo....now I have to wait over 2 weeks, appeal, and when verified, re-submit my order to Dell. I was told initially that I probably wouldn't receive my computer until the beginning of May, but now it appears that it will be closer to June. I'd like to just cancel my order, but unfortunately, Dell is the only company that will let me build a computer exactly the way I want it.

Not a happy camper!

received from dell. I thought the due dates were the same each month.

I have
constantly payed dell each month thinking dell was payed on time and recently i was contacted by ACCC to inform me that they could not get dell to give them a pay off amount for this account.i then called the dell customer service to try and find out why and that's when i realized that I along with my monthly payments to dell from ACCC had payed dell a lot more than what was owed on my account in December of 2006.when i asked the dell customer service why, i was informed that my account had been payed late from 2006 to date,only being payed on time when i maid an additional payment to dell separate from my ACCC payment.Despite my efforts to make sure you were payed i have been charge an abundant amount for late fees,which in turn has caused my account balance to be more than what it was in 2006.I have payed my dell account each month on time by the statement i had in December 0f 2006.My payment was dispersed to dell from ACCC in check form the third day of each month by ACCC and credited to my dell account on the 10Th or 11Th day of each month.I never knew the billing cycle of dell's therefore i could have never known the correct due dates,even if I had known I could not change the dates that the money would be their to pay dell.

I am requesting that dell remove all late fees and finance charges from my account from December 2006 to date.I could understand if my payments for the past two years were more than a month but this was only days and i had never missed a payment.

This company has refused to except the error it's Dell Financial Department made in Sept of 2006. And now,it's april of 2009. And still Dell refuses to resolve a simple problem with me. Please get back to me before I'm forced to do any legal action Against this company, it's not needed. PLEASE HELP!

Over 3 years of being ignored by every Dell department. And the Dell Lawyer said, He can legally-do this to me. Please help resolve this, thank you.

I was approved for Dell financing about five years ago. My approval amount was for $1500. I did not use the full approval amount. I have been paying more than the monthly payment for 5 YEARS and my balance is still $1400! This is REALLY predatory lending!

I have not seen any progress to paying this debt off. I have struggled to pay them by not paying some of my doctor's bills and this is really unfair.

I bought a brand new inspiron 518 computer and was told when i purchased it that there would be no interest for a year. when i got my statement there was a finance charge of 12.24% which amounted to $8.96 for the month. i called them and told them about it and they said they didn't say it. one of the main reasons i purchased it was because i figured i could have it paid off pretty soon since there was no finance charge. it is so unfair, and the way they treat you is very ignorant

the economic part is that i was told there was no finance charge for a year and physically they are impossible to deal with

Since January 2007 I set up a loan to purchase a $1200 computer from Dell, they promised one year no interest. I being a new person to deals like this didn't pay the loan off in time and incurred the full year's interest after the one year was up. Since then I've been hit with Billed Finance Charges for every month I've had a balance on the loan, due to my limited income I can only pay the minimum payment, and in so doing the interest eats up the majority of the payment and then I get the charge which has steadily increased my loan to over $1500.

I have since paid a total of $1800 to Dell and my loan balance isn't decreasing. It wasn't until just recently that I found out from Dell that they only way to avoid the finance charges is to pay the loan in full, which is not clearly marked on their monthly statements and it takes a basic interrogation through email to get them to tell you.

Granted, there were several instances over the years where my payments have been late because of financial troubles, but I have done my best to keep up and with the current times, who knows when a job might be lost. Since I've had this loan I've paid a little more than $800 for a computer that was $1200 two years ago, and it's current worth is less than $500. I feel that it's unfair to bleed dry someone who has more than paid for the product that was leased.

In September, 2007, we purchased a Dell laptop with 12 mos free financing. I paid on the computer each month and when it was ready to expire in 9/08 I received a letter stating that I owed interest from the very first of the contract. On September l9 I submitted a letter stating that I was willing to pay the balance of $l601.65 in full but not the interest. I was not advised over the phone of any such arrangement and I did not get a contract stating that the interest would be charged like this. I did not want to jeopardize my credit and wanted to make this debt clear. Dell would not work with me anyway and continued to add interest from that time on. I felt I was fair to pay the balance in the same month that it had expired but they would not agree. They sent the account to collections and I was harrassed on a daily basis but no kind of agreement could be reached. I advised them if they went to my credit report with this balance that I would not pay anymore. They did do this. I advised them that I would return the computer to them and they did not want that. Since this time the computer has not worked and I cannot seem to get anyone who can repair it. I was told that we had at least a two year warranty on the computer and it still won't work.

I ordered an INSPIRON E1505 on line and requested the 90 Days Same as Cash option that I was told that I qualified. I received bills that showed I was being charged interest, during the 90 Days.

The out of pocket expenses were $85.00

I ordered a home computer from Dell and was promised no interest financing. I paid off the computer and was charged a huge amout of interest. I called repeatedly, sent letters, and even hired an attorney due to Dell sending collection letters to me.

I've had Dell Bussiness Account since more than 3 years. I've ordered about 5 items from Dell where 3 of them arrived with one problem, but after a call I got the issue resolved whether it was to send back the item or to wait until a tech went to fix it. I've been making on time all my monthly payments. Today, I tried to order a camera over the phone, the took my order and at the end they told me that I needed to call the financial department to confirm with them my order (first time this happens) they game the phone number and the order number so I could confirm it. I called the number they gave me and an automatic service asked me to enter my Customer No ID so I did, and I was told (for 3 times) that they couldn't find it, so they put me with a live person.

I gave them all the information (name, name of business, address, account no., telephone no, etc). I told them that I was required to confirm a purchase I just made and gave them the order number, they put me on hold for a period of 10 mins and after that the person came back and told me, in resume, that she was sorry but my account was on hold for verification purposes and that she could transfer to customer service so I can make other payments arrangements to buy the camera and that at the moment she couldn't give me any more information. I insisted and asked her why if I made all my payments on time, etc. But couldn't get an answer.

I checked my e-mail and I even received a confirmation for my order, but when I logged into my account there was no pending order. So I went and placed the order online and everything went through, received the aknowledge e-mail and the confirmation e-mail but that was it. Then I logged into the dell financial website and saw a red rectangale saying that my account was blocked. I cannot even check my invoices my payments, nothing! Made another called to try to get more information, the put me through 6 differents departments and couldn't get any information. I believe I have the right to know the reason why my account has been blocked, since when and when it will be unblocked.

Now, I cannot check the status of my account.

I qualified for 1500 in credit back in 2006. I purchased and E1505 for 1200 dollars, and made regular payments until I lost my job. Even though I made regular payments I was still charged a 39 to 40 late fee every month because they kept changing the due date. By 2008 I still was paying for the machine. My balance was around 900 dollars. They intentionally changed the date every month so I would be late. I still have the bills and they still change the date, and when I pay early, they still charge me if they payment isn't exactly around the date it is due. My balance stayed around 900 dollars all throughout 2008.

Before I lost my job I got my payment down by giving them 700 dollars. My balance was at 575. I was so happy. Then I lost my job and I got into a credit counseling agency so I could consolidate my debts. Suddenly I receive a bill from dell for 900 dollars! They told me they don't recognize consolidation programs, and that the amount they were paying was always LATE! Totally rediculous. Needless to say I now owe MORE money then when I got into the program. MY credit is destroyed. Wall street and politicians are blaming the American people for America's credit status, but it is these greedy financial institutions robbing us blind! I don't know what to do. I will probably end up going bankrupt along with everyone else I know.

I now have paid for this laptop at least 3 to four times. My credit is destroyed and I am broke.

I am writing in regards to a bill I received from Dell Financial, in which I am disputing. I have been charged for a service I did not receive and because I wouldnt pay for it, I have now ruined my good credit standing. I have tried many times in the past few months to settle this with Dell; however I have only been able to reach a call center in India.

I purchased a laptop from Dell in April of 2008. I was having intermittent problems accessing the internet from the first day of use. I constantly had to shut down and restart the computer in order to get it to work. In September 2008 the computer was not getting an internet connection at all. After spending 1hour on the phone with my internet provider, it was determined that it was an issue with the computer and not the internet connection. I spent another hour on the phone with 3 different dell representatives and it was determined that I need to reinstall the hard drive. I have knowledge of computers and have done this in the past many times on my own, but I agreed to pay the $69 fee so the person can walk me through the process anyway.

After saving all of my data, I reinstalled the hard drive and the computer worked fine for about 2 weeks. Then I started having the same problems all over again with the intermittent connection to the internet. In December 2008, I had no internet connection. I went through the same process I did in September, calling my internet service provider and then Dell. This time, after 2 hours on the phone, it was determined that my computer was not recognizing the internet connection. I was again told that I need to reinstall my hard drive. I explained that I already went through this process 3 months prior and the problem was not solved by reinstalling my hard drive. However, I am a graduate student and it was the end of the semester and I had to take an online final that same night. I needed my internet connection. I was then told that it would be around $130 if I wanted her to help me.

First, I asked why it was $69 in September and now it was $130. Second, I told her that I knew how to reinstall the hard drive and I didnt need to pay the $130 for her help. She then continued to tell me that I couldnt just put the disk in and reinstall the hard drive because in her words, there are certain drivers that you will need me to install for you, that you dont have access to?. So, I believed her. I agreed to pay the $130. I saved my data again, put the installation disk in the drive and reinstalled the hard drive, doing all this while the girl was on the phone. I was explaining to her what I was doing step by step. When the process was complete, I told her I was done and was waiting for instructions from her on how she was going to install these drivers?. She then said, Ok, youre done?. I was shocked and asked her what about these drivers she was supposed to install. Since my internet connection was restored, she now stated that she didnt have to do anything.

At this point, I was furious and told her that I did not have to pay $130 for what I just did. When I asked her why she told me I was going to need her help to do this, she then said that it was my choice to use her help? and she didnt force me. I then told her that I would follow up with the financial department because she was tech support and was not going to discuss financial matters with me. She then stated she was going to put a notice on my account that I would be asking for a refund and it should not be given to me. At this point I hung up on her. I then began my unsuccessful 3 month quest to speak to a manager at Dell. It turned out that even after I reinstalled my hard drive, the same problem with the internet connection came back.

In my attempt to resolve this issue I absolutely refused to pay this bill, but now because of this, I have ruined my credit. I finally paid the bill last week because of the 7 phone calls I was getting every day. In the last 3 months, I attempted to contact Dell headquarters in the United States but there is absolutely no phone number listed anywhere. Every number I called was to a call center in India, and in my attempts to speak with a manager, I have been hung up on, put on hold for 20-30 minutes at a time and I have racked up an enormous phone bill in the process.

This company is a disgrace and should not be able to get away with treating its customers like this. I am a hard working educated woman and my credit has now been negatively affected by this fraudulent attempt to take my money. I should NOT have to pay this fee and I want my money back.

I purchased a cumputer from dell in good faith. My payments was set up for $43 a month, for 24 months I made $50 payments.Then I notice my payments was not going down but up.Dell give you comfortable payments with high finance and credit protection and they all exceed your payments. I can't keep shelling out good hard earned money for something that doesn't work properly and never have. I have paid $1,200 for this piece of junk and according to dell I still owe 1,400+ dollars for a $998 computer. Does anyone ever finish paying for a dell computer making monthly payments?

This computer keep freezing up and it never worked to the fullest. In my opinion this is a refurbish computer.

I purchased a Dell Computer in June 2002 under 90 Day Same as Cash Financing in the amount of $1537.55. On the contract, it says payments are due on the 123rd daY after shipment of the Products (which is estimated to be 10/05/2002. On 9/11/2002, I received my first statement from Dell stating a monthly loan amount due of $55.82. I paid the full original loan amount instead of $1537.55 which they indicated received on 9/30/2002. In November I got another statement from Dell indicating I owed them $167.46. I said WHAT?

I called Dell numerous times to straighten the matter only to be transferred from one phone # to another. I even sent them letters as early as 12/2002 in an attemt to clear the matter. Then I started receiving phone calls/letter from collection agency from 2003 upto now. It's now on my credit report as default or derogatory. To date, I have been contacting Dell but no one seems to want to talk to me about it.

I bought a Dell computer about a year ago. Ever since day one it had weird issues. Freezing, crashing/ then internet explorer and firefox not responding then simple things like notepad wouldn't open, then i couldn't shutdown the computer using the start button. I had to hit CtrL+alt+del and then hit shut down; but then it would be in the logging off mode until I manually switch it off! I phoned them and they put me right to there software department where I was told I'd have to pay a nominal fee which turned out to be $120 dollars!

Maybe that's nominal to the CEO of Dell but for a student, I don't think so. I ask them how is a company that provides me with a computer package suddenly not responsible for the software THEY installed? The answer from every robot employee was it is Dell policy sir that we only cover Hardware in our warranty to every one of my arguments which had the nature of : wheres the common sense in providing a product and not being responsible for all of it? Absolute drones these people were, no one was actually issuing any customer service, just adding to my frustration. I asked if I can speak to someone higher up: no you can't they all said. Dell is absolute **** and I will never buy a Dell again. And I am spreading the word.

I am left with a crappy Inspiron 1525 with absolutely no service given by the company I bought it from ( Dell). I will have to pay to have it entirely fixed, but I will not go to Dell for that! I am NEVER BUYING A DELL AGAIN!

I purchased a laptop from Dell which didn't work. I made 3 payments even though the computer didn't work. I then called Dell Financial Services to complain that I was making payments on a system that didn't work. The woman was very sympathetic and said I didn't have to pay until the system was working. She stayed on the line while I spoke with technical support, but she was disconnected prior to the completion of the conversation. Techncial support didn't fix the system so I stopped paying for the system.

I started receiving telephone calls from Dell Financial Services, which were automated calls which usually proceeded to hang up once I responded. I was getting these calls 4 to 5 an hour for two to three hours in a row. Then I wouldn't get a call until the next day or a couple of days. Then Dell Financial Services had a collection company call me. I agreed to pay because Dell tech support was once again trying to fix the computer, but the collection company refused to take a payment unless I provided personal information about my husband who wasn't even on the account. I refused and we were at an impass.

A few days later the collection company accepted the payment without the personal information, but they also contacted the credit bureau. At the same time I received a telephone call from Dell Financial Services and the representative again said I didn't need to make a payment until the system was working and she would contact the credit bureau. Instead I have started paying on a computer that still isn't working 100%, I have had my credit rating DESTROYED, and I have been charged numerous months of fees. I now am stuck speaking with people in India that don't have independent thoughts and can only read from a script. I cannot get any kind of resolution from Dell Financial Serivces because no one can think.

My credit rating is DESTROYED and I have paid over $100 in fees.

On 3/23/2009 I called Dell Financial Services regarding a bill I recieved for $182.17. I previously paid the full balance of $1721.57 that had a deferred finance charge of $182.17 on it for the month of February. I now in March recieved a bill from dell for $182.17 stating I must pay this deferred finance charge.

I spoke to two managers and Dell is refusing to take this $182.17 March charge off my account that was on my last February statement when I paid the balance in full.

I purchased a camera and accessories from Dell on 12/12/08 using my Dell Preferred Account for the full amount of $154.95. My 1st. statement arrived January 6th stating that full payment was due January 31, 2009 for the full amount of $154.95 or I could make the minimum payment of 15.00. I decided to pay the full amount. I went online and used their online payment services in which I had an account with them and made the full payment on January 31st as directed.

On February 6, 2008 I recieved a statement from them stating the transaction on January 31st was payed in full.. but they ALSO have charged me a CONVENIENCE PAYMENT FEE for the amount of $9.95!! which was due March 3, 2009. Since I knew I had payed the total amount owed on January 31st (as stated when it was due) I didn't pay attention to any other statement that came since ( I assumed they were trying to sell me more Dell products). Today I get another statement from Dell saying I am in default and now have charged me $10.95!! And they are threatening me by stating they are going to report me to the Credit Bureaus!

I spoke to the representative at Dell Financial Services and she has stated they are charging me the $9.95 for paying the full amount the day it was due!! WHAT?? She stated that this charge is on my original disclosure when I opened this account. I explained I have been with Dell a long time and I have always payed this account off and I don't understand why I would be treated this way. I stated I will not pay this charge and I will report them. It is like they are looking for an excuse to bill me for something. This kind of practice from these companies need to STOP.

I have been receiving harassing calls from Dell Financial Service since November. My daughter worked all summer to purchase a Dell Laptop. When purchasing, the rep insisted that I put the purchase on my Preferred Account. I agreed even though I had the cash in her account. The computer arrived and she was thrilled. I mailed payment in full and thought that was that. This was the 5th computer I had purchased through Dell. Easy. Then the phone calls started. Day and night, telling me I owed money, hanging up before I could even talk. I kept explaining that I mailed the check and it was cashed. The reps told me I was a few days late. I wasn't

One Sunday, I was on a mission to talk to someone to straighten this mess out. I called 7 times and was placed on hold, disconnected and even had someone hang up on me. When I called back, I actually got the same rep and he hung up on me again. Outrageous! To add to this problem, the reps don't speak English and like robots say the same thing over and over again. 1 month later, I got a supervisor who said it was too bad, I should have called sooner. I did! He said he could reverse only 2 months worth of late charges, I would have to pay the rest. I'm not paying the rest. It's not my charge.

Yesterday I tried to re-finance my mortgage. I am being charged % higher interest rate because DFS put this late charge on my credit report. Are you kidding me. This is not my charge. I just can't believe this. DFS reported this $39 late charge to the credit reporting bureau and now re-financing my mortgage has caused me to be in a higher interest rate due to my credit score going down.

I purchased a Dell laptop online for approx $748 including taxes. After applying online for finance charges, I was approved for $1500 and told that the terms of my agreement would be forthcoming in the mail. When the mail arrived, I did not see an interest rate. I didn't worry because I had planned to pay it off within 6 months and according to the online verbiage, I had zero 0% finance charges. I set up automatic payments online and prepaid my first payment ($23) by $27 for a total of $50. Dell accepted my first payment and afterwards sent me a separate bill not for principal, but for back finance charges.

Since I had sent $50, I figured no problem, but only after I complained did DFS tell me that payments prepaid would not affect the principal, so they slammed me with late fees, which they took out of my next payment, causing a big loophole. When I received my statement for March, I actually owed DFS over $800. I complained and they resent me a new bill for approx $748 acknowledging the $100 payment I sent in Feb. They refuse to tell me how can I find out what I owe in real time so that I can just pay the bill off without being surprised with related finance charges next month.

By the end of this month, March, I will have paid DFS $300 for a $748 laptop, and will still owe almost the original amount (between $600-$700). A week ago, I actually owed more than the original purchase price. DFS specifically does not send you your interest rate or advise of their back finance charges until it's too late to return your laptop to Dell. Their practices are deceptive and work against any consumer trying to minimize finance charges by prepaying their account, which according to DFS, they do not allow. I am losing money and time.

Dell offered a 'No interest' offer on their Alienware computers for one year. For two months I didn't pay any finance charges, now they're beginning to charge me $25 a month finance charges. When I called them, they said I no longer qualify for the 'No interest' offer and my only recourse was to return the computer and pay a restocking fee.

I purchased a Dell computer online in December of 2006, with a Dell Prefered Account, at no interest for 18 months. I payed off my account in April of 2008, well short of the promotion expiration date of 08/01/2008. I never received any further bills, calls, or collection attempts from Dell. Recently I went online to purchase a laptop for my wife from my Dell Prefered Account, only to be declined.

Upon checking with Experian, I find that Dell has written off my account to a collection agency, to the tune of $801. I know Dell received my check, even the collection agency knows I sent the check, which by their own admission was received in April and would have payed off the account, but calling Dell's Customer Service only gets me redirected to the collection agency, and calling the collection agency only gets me redirected to Dell. I've written to Dell explaining my situation, but can't seem to get any response.

This has damaged my credit score, and put a very ugly mark on what has otherwise been a pristine credit report.

Appromimately 9 months ago I purchased an auto repair shop and I kept the old phone number because the old owner was here for 28 years and I didn't want to change it because of familiarality to old customers. Apparently the old owner must of had a Dell computer which he removed from the premises before I moved in. Well he must owe Dell money because for the last 9 months I have gotten literally at least a couple hundred phone calls from them. I told them I am not Peter that he sold the building to me and nothing else.

I gave them his home phone number several times, told them not to call here again several times. I tried everything I can think of to get them to understand I am a new owner and that I don't nor have I ever had, purchased or even wanted a Dell computer but still to no avail they keep calling and calling and calling. I'm a patient guy but it's been 9 months and they are now calling multiple times a day and everyday. This is a business and they are disrupting it and I don't know where to turn. Please if you can do anythng to help I would sincerely appreciate it.

Countless hours on the phone disrupting my doing business by bill collectors for something that has nothing to do with me.

Dell is reporting to three credit bureau that i ole them for a laptop. ihave been calling Dell for the last 3/6 month, infroming them that the laptop they sent was refuse at the door and return to them thought DHL. Dell keeps telling me to call DHL.I have spoken to DHL. DHL have send me the airbill number, the shipper return tracking number,and a facsimile copy of proof of delivery for the shipper with tracking number. the laptop was return on 09/25/08 at 2:28pm. Mis. Collin at DHL Express customer Service.

Dell haved hangup on me,they send me around and around in their telephone system.They Left me on hold for a long period. They wont give me the correct E-mail address to send a copy of DHL facsimile.the web address is wrong on their billing statement.they wont anwser the number in Tenn. Dell haved made my credit back with the Three credit bureau. i have lost time at work being left on hold. Dell have hungup on me, when i ask for a America customer service personal. All the web address on their billing statement are wrong. Something needs to be done about this.

Wow here goes so i setup a purchase on a dell studio fifteen in july didnt recive it till september i think it was well it was suppose to have a free i say it again free virezon wireless broadband card because of the deal at the time well didnt get that the speaker quality is horrid i mean half way up they sound as if there going to explode

now calling the people over seas there ignorant they figure hey im in india and ur in the usa i dont care bout your problems they are rude ignorant and very demeaning people i was transfered to atleast ten different people who could not help i had a manager laught in my face say he doesn't care about my problem hung up on numerous times at this point i would not tell my worst enemy to buy a dell its out ragous

I scheduled an extra $100 payment to Dell and the day before the payment's due date Dell representative said there was no record of the payment scheduled for the next day and that I should pay over the phone. Foolishly did so with the result that I unnecessarily paid an extra $13.95 for an phone payment that did not need to be made. Despite recent court settlements with 34 states, Dell continues its deceptive practices.

$80 in late fees, another $23 in phone payment fees, excessive interest rate of 24.99 per cent that was not disclosed at the beginning. Making only the miniumum payments actually results in an increase in the overall balance.

Never ever again will I buy anything from Dell! I purchased a computer from Dell over the summer and also got an account with Dell Financial Services to pay for the computer. Due to repeated delays on the order I was given a credit for $53.50. After getting the computer I payed down on the account every month. Halfway through making payments I receive a statement crediting me with $797.02 - the total balance of my order. I knew this was a mistake so I continued making my payments and called Dell to inform them of this error. I was on the phone for over an hour getting transferred from department to department before someone finally understood what I was trying to tell them.

Then last month I get a bill for $53.50, even though I finished paying the balance off. I called to find out what was going on twice and was assured that the bill was sent in error and the problem would be taken care of. This month, another bill plus finance charges. I called 2 days ago and was told they couldn't figure out the problem so they would get in touch with the internal department and call me back. Today I get a call and an explanation that when they reveresed the credit they mistakenly gave me for $797.02 they also took back the credit if $53.50 that I was given for the delay in shipment. They transferred me to Customer Care after assuring me the problem would be handled by them.

However, the customer care folks claim they have no part in this problem and can't help me. We go to conference call with financial services but the Customer Care guy hangs up. I get a call a few hours later by a whole different person who has no understanding of the issue so i have to go through the entire story again. After explaining it to him, he promises to call me in 2 days after he talks to the internal department again. I am at my wits end with these people! I am very concerned this will wind up on my spotless credit report as a delinquent account.

I have an account with Dell & have purchased few items online from them & to be specific a computer, printer & just recently a camera & case in separate occassions. I cannot remember which of these products I ordered that I used my dell preferred account or if I ever used it. I have moved residence & had been updating my address from the post office & have updated my add/email/phone number in my dell account but for some reason I've never received any bill statement from them for months nor thru email alerts nor phone until now that I had to pay a late fee. I had been receiving products that I ordered & obviously if you order, it will always asks for delivery & billing add or else it won't proceed so obviously they have my address. I had been receiving Dell advertisements thru email so it doesn't really make sense that they won't send me a bill.

Approximately two weeks ago, a COLLECTION AGENCY from DELL FINANCING had been trying to get hold of me thru my cellphone approximately 8 times a day- morning & night & had left a machine automated voicemail morning & night so I tried calling them back per instruction on the voicemail & more than 10times I tried & it won't even let me proceed because it didn't recognize my ZIP code number. I didn't know what was the issue because I wasn't able to get hold of them. After this incident, I decided to purchase a camera using my preferred account but won't even let me use it. So I opened my account with the username & password I had & was shocked to find out that I owe them $227 & was long overdue.

I called the dell financing service & asked them if they can provide me a detailed bill statement that will show me the item purchased because it doesn't show in my account & I needed to know what I'm paying for & I told them I never received any bill so I don't believe I am to pay for a late fee. I couldn't even remember that time what items I have purchased from them. I have to go around the house to see which ones are Dell product. They are not helpful at all. Everytime I call, I always have to update my record & I called them more than 3times. They gave me another number for customer service which always ends up going back to their number/dept. This went on & on & on...It was so frustrating & I searched for another number & finally got hold of a live customer service person who transferred me to 5 other individuals who ended up transferring me back to dell financing people who were not able to help me in the 1st place.

I have always been a responsible individual who makes sure I take care of my debt/credit & don't want to deal with any collection agency. My credit is my lifeline & for them to just call me to tell me I need to pay a late fee for an amount I'm not even aware I owe is a very frustrating experience. I can fully pay this amount in one time if I really do owe this. All I wanted to have is a copy of an itemized bill statement showing the purchased item & the amount & if I do owe this amount, I don't believe I have to pay for a late fee because I didn't receive a statement from mail nor email alert. This I believe is not a very hard request, I have the right to know but they gave me a ran around!

Unfortunately, I still haven't resolved this issue with them because no one seems to know anything & they are very dismissive! This is very inconvenient & very frustrating. Dell won the lousiest & worst service ever. They may be a big company but they will start losing customers if they don't change & better their service.

Two year lease I was to notify after two years i did they told me HAD NO RECORD I had another year I should have looked up my lease to buyout for $1 they never notified me, THEY SAID THEY DID--LIED they collected for another year (NO ONE WOULD WANT TO SHELL OUT MORE MONEY THEN THEY HAVE TO) No one should lease from this finance company they are crooks

I AM OUT APPROX. 1,575.00 DOLLARS

I called Dell Financial Services to determine which charges related to items that I ordered. I spoke with 7 different reps during this call which took 1 hour and 15 minutes. I finally was able to substantiate that the following items are correct: $ 113.40 Office Outlook $-2781.00 payment for 2 laptops and 1 desktop purchased in Dec. 2008 $ 8.55 printer cable for V305 Printer purchased on Feb. 2nd 2009 $ 17.10 for the second printer purchased on Feb. 4th. 2009 ($100.00 coupon applied toward the purchase coupon. The following items are incorrect: $ 49.00 I was told this was for Technical Support on Feb. 2.

After receiving her new laptop my wife called Dell because she was unable to connect to the Internet through my router. She was told to call AT&T. AT&T solved the problem which was quite involved. At no time was my wife told that there would be a charge related to her call nor did Tech Support discuss or resolve her problem. They merely referred her to AT&T. In order to correct this problem, I called the Tech Support phone number given to me. By the way this phone call took 40 minutes and I was never connected to anyone who could verify that this was a legitimate charge or that it was related to my wifes call.

$105.93 this is for the first V305 printer which I purchased on Feb. 2nd and applied a $100.00 coupon. I was told that no coupon was applied to this purchase even though I distinctly remember providing the code over the phone and noting on the coupon letter the date and confirmation# of the purchase. (see enclosed) If the coupon had been applied correctly, this item amount should be $5.93. I was told that the only way to resolve this problem was to return the printer and then order the same printer again and again appling the same coupon. [They] must have some record of my being sent the coupon. Just apply that $100.00 to the purchase and credit me for the $100.00.

$95.01 I was told this was for the purchase of a 948 printer. The rep on the phone agreed that someone else purchased this printer and that I never ordered or received this printer. I enclos[ed] a check for $144.98 which represents the correct charges plus the correct amount for the first printer of $5.93. I would appreciate it if [they] would amend my bill to indicate the correct amount and apply my payment to reflect a 0.00 balance. I have purchased over a hundred Dell computers in the past and would hope that [they] would give me some consideration so that I do not have to take any more of my time in trying to resolve this.

We bought a computer from Dell via phone and they set up a new account for the purchase of the computer. We had an old account with Dell and we asked them to please close it. They stated that they had. I went into Dell Financial website and enter payments for several months at a time to be automatically withdrawn from my checking account. The first couple of payments went to the correct account. Then whenever we sent a payment to Dell they would apply the payment to the old account. From the very beginning I sent more payments than was requested.

Then in around April or May some of the payments would be sent back to us via a check for the same amount that had been withdrawn from my checking account. At first I could not figure out that the payment had been applied to the old account that had a $0 balance. If you call them to find out why you never could talk to anyone in the U.S. Everytime I tried to get the person on the phone to look at the other old account, but they would just indicate that I was behind on my payments and they needed money today. I repeatedly would explain what I thought had happened and asked them to look at the other account, but they would not. The person would just keep repeating the same statement. They would just follow the script. The person had no ability to problem solve. I asked to have someone call me back from the United States and I was told "no can do."

Each time you ask them if there was another account open they respond, No. I would try to tell them that I had used the online payment option and asked why some payments were posted correctly but some where not. They would go back to the same statement of how much money I needed today to bring my account up to date. I tried giving them the tracking number from my checking account for the Dell payment but they stated that they did not know what tracking number I was talking about.

Even in December 2008 payments were taken out of my checking account. One time I even called customer service and wanted to file a complaint, but was told never heard of such a thing and can't file any complaints. I work for WellPoint Health Insurance company and could not believe a big company like Dell did not have a complaint system for customers. I work in medical management at WellPoint and have actively taken complaints from members and filed them for the members. We have an electronic complaint system that is assigned to a researcher within 24 hours. My thoughts were that this would be a way for me to get some help in resolving this issue. I am mailing them a certified letter within the next week to attempt to resolve this issue.

Fox Business and he suggested to someone else to write a certified letter and stop dealing with customer service, so that is now my plan. I hope other people are not having the same experiences I have had with Dell. Live is stressful enough these days without having to deal with customer service areas that can't provide service and can't help the customer resolve issues and problem solve. I know for a fact that big companies make mistakes processing payments and it is maddening for someone to imply it has to be your fault and Dell never made a mistake.

For the past month I have been trying to contact Dell Computers to determine where to return the Dell Latitude laptop I have leased. The lease is over February, 2009. I have attempted to call multiple offices (at least a dozen calls) and nobody has been able to assist me. I have e-mailed Dell Computers Customer Care. The three people who have been "on the case" have not been able to assist. I do not know where to return the computer; I am afraid I will be hit with many additional charges if I do not return it. I want to avoid that. I am out of options.

I have been receiving phone calls for someone who may have had my number before me. I've followed their instructions and indicated that they have not reached who they are looking for. Each time I am transfered to someone and I tell them again that they don't have the right person. I receive 1-2 phone calls a day.

I've called the company to get them to take my number off their call list but continue to recieve calls. I am either transferred to an extention that doens't exist, hung up on, or transfered to an area that you must have an account number to have access to a live person. I was told I am not allowed to speak to collections although was told that these calls are for a debt collection.

On 08/24/2006 my husband and I purchased a computer from Dell Finanical online. The orginal price for the computer was $1401.32. As of February 2009 we owe $1916.08 and have been paying on the system the whole time. I tried to call in on February 7, 2009 to pay the account in full and was told they could not take my payment for the $1916.08 because I had a payment already scheduled for that day. They were very persitant and rude and would not allow me to pay in full but threw a fit for a future dated payment for $58.00. They then advised me to call in on Monday to talk with Customer Service as they can take off some of the additional finance charges that have accured. (This to me tells me that they know that they are in the wrong.)

Monday came and I called and got the run around for about 3 hours and was just told to keep calling customer service until I finally got them on the line. After numerous calls (got hung up on several times), and several supervisors later was given three different addresses to write a letter to and offered a credit of about $50. To me I have well paid for this computer. To still owe is ridiculous. I paid $566.00 on the account to get it back below the credit limit and just looked at the bill and now only have $90 in credit available cause they got me with another $40 charge on interest. This company is the biggest rip off I have ever seen.

It has caused major financial hardship, and stress from dealing with this company. The many hours that I have had to fight with this company is crazy. The computer it's self has been tore up more times than I can count and to get it repaired is just as bad as trying to pay the bill. I have already had to replace the hard drive the, cd burner, the modem twice in a 6mo time frame. Just tired of dealing with them.

I bought and returned a laptop from Dell, then bought a replacement on my credit card. The refunded amount was less than the purchase price for an unknown reason. I have been trying to sort this out since October. Every month I get a new balance with new late fees and finance charges. I constantly get my calls dropped by DFS. I have even had Vonage place the call for me using non-vonage lines. They constantly just drop the call.

I am faced with paying the fraudulent charges or with getting new late fees and charges added every month as there is no way to sort it out. I have spent literally 3-4 hours on several evenings trying to sort this out. Last month I agreed to make a payment and I still got charge new late fees this month. It cannot be possible that a credit agency in a foreign country can hold you for ransom with no accountability like this. I will never be a Dell customer again.

My credit score has been affected by Dell Financial Services submitting a bad credit report to them for false charges.

May of 2003 i decided to surprise my wife for her birthday and I ordered a laptop from dell. At the time the financial amounts was explained to be on the phone. Back last year in November they sent me a payment demanding $300.00 dollars, so i contact them by phone they didn't want to reason with me at all. i explained to them I can only send you the minimum amount of money.

So I try to work something out with them, they wanted me to pay off the whole thing. I told them I would try to send you $600.00 dollars but not the full thing. So since then they have been calling my home hanging up leaving messages, now they took my name to the collection agency. I'm really tired of their nonsense and I feel they want extra money out of me and trying to rip me off. Thank You

I spoke to a Jake with the badge# 6728 over a Dell Financial Services verification who was helpful could not articulate any thoughs and could not help me with my order. In addition when I ask to be transfered to a supervisor he transfered me to a woman who did'nt work for Dell and I called back He then did it a secound time to someone at AOL! Just ridiculous.

The call was placed at 5:55 pm on 1/29/2009. Not that you will ever listen to the call because in my opinion you just don't care. That seem to be the over arching theme over at Dell, just not caring. I then got off the phone and called the customer service center to cancel and change the information on my order to a different credit card. I was bounced around literally for 40 mins.

Take a look at you customer relationship software and see how many times and to how many areas I was bounced. There are many unemployed people in the country that could use jobs and I believe that dell is wasting money on the ones you currently employ. I plan on taking the recording of my calls and placing them on u tube. Michael Dell would vomit if he heard the call.

I spoke to a Jake over a Dell Financial Services verification who was helpful could not articulate any thoughs and could not help me with my order. In addition when I ask to be transfered to a supervisor he transfered me to a woman who did'nt work for Dell and I called back He then did it a secound time to someone at AOL!!!!!!!!!!!!! Just ridiculous.

The call was placed at 5:55 pm on 1/29/2009. Not that you will ever listen to the call because in my opinion you just don't care. That seem to be the over arching theme over at Dell, just not caring. I then got off the phone and called the customer service center to cancel and change the information on my order to a different credit card. I was bounced around literally for 40 mins. Take a look at you customer relationship software and see how many times and to how many areas I was bounced. There are many unemployed people in the country that could use jobs and I believe that dell is wasting money on the ones you currently employ. I plan on taking the recording of my calls and placing them on u tube.

I spoke to a Jake with the badge# 6728 over a Dell Financial Services verification who was helpful could not articulate any thoughs and could not help me with my order. In addition when I ask to be transfered to a supervisor he transfered me to a woman who did'nt work for Dell and I called back. He then did it a secound time to someone at AOL! Just ridiculous. The call was placed at 5:55 pm on 1/29/2009.

That seem to be the over arching theme over at Dell, just not caring. I then got off the phone and called the customer service center to cancel and change the information on my order to a different credit card. I was bounced around literally for 40 mins. Take a look customer relationship software and see how many times and to how many areas I was bounced. There are many unemployed people in the country that could use jobs and I believe that dell is wasting money on the ones [they] currently employ. I plan on taking the recording of my calls and placing them on u tube.

They have overcharged me with finance charges, and can't talk to them , as cannot understand them. I have had the same balance after making payments every month for 2 years. Something is wrong.

When I purchased my computer I was told my payment would be 28.00 ea mo. Since I have been paying there is a finance charge of 41.82 which I knew nothing about. All kind of billing fees, late fees are showing on my statement.

My balance keeps going up each mo. I will never pay this account off, with all the charges they are attaching to this account.

I received a computer catalog and called the number to inquire about purchasing a computer in2006. The woman on the phone told me a 0% financing for 18 months on a xps400 computer. She ran my credit and told me I qualified for $1500 dollars and that as long as the account was paid in full by 18mos that i would not be charged finance charges. I accepted the offer and provided her with necessary info she needed for the recorded call. I got the computer and all was fine.

Then I moved to a different address and called Dell to notify them of the address change so they could send the statement. A statement never came. Instead I had people from India calling me telling me now that I needed to make a payment I explained the situation about my address change and how i was waiting for the statement to make payment because i dont like giving me credit info over the telephone.They would verify my address which always seemded to be my previous address and they would always say it was being mailed but for now that i needed to make a payment. It took three months for the statement to arrive and by that time they had turned the account over to the dell collections departemnt .

Everyone in the collections dept seemed to be from India and was now informing me that my payment would include finance charges. I wanted to know how this be when i called several times to receive a statemnt so that i could pay them and my terms were 0% financing for 18mos. At that point i did refuse to make a payment becausee i wanted to speak to someone in upper management to discuss this matter further regarding finance charge that i was not responsible for. Everyone that called me was india told me they couldnt transfer me to anyone and called numerous times per day (15-20times)even on Sunday.

As time went on Dell charged the account off and sent it to a collection agency. When I spoke to the collection ageny I was eager to get the matter resolved happy to finally be speaking with someone who did not speak broken english. The rep I explained the situation to said being that that the account was already charged off that there was nothing I could do be cause I signed a contract. I told him i never signed a contract and he told me being that I signed for the computer as received that that is the same as agreed to contract terms. I told them about my initial conversation with the lady and the recorded call and advised them that that was not the terms that were explained to me at all and if they just pulled the recorded call and reviewed it they will see that the terms i agreed to were not the terms that were taking place especially because i only had the computer all of nine mos at the time that this conversation was taking place.But all he cared about was trying to get me to settle and receive some form of payment from me which now at this point I was meeting them with major resistance because I felt like i had been tricked and being forced to pay for a computer which now included 18months worth of finance charges even though i didnt even have the computer for 18months and basicall i had been decieved and taken advantage of.

To make a longer story shorter I did settle with this collection agent primary financial services paying $1900 for $999 computer which (dfs) is still listed on my credit report as a derogatory item. I dont know if there is anything i can do at this point. When I accepted the computer I was trying to establish credit because I never really have any major credit history and instead helped in doing the the opposite but getting me to agree to terms that were non existent and failing nor any dell staff members that were able to aid in remedying this situation.

2000-2001Purchased a Dell Computer and paid of over approx 1 year. The cost doubled. No $100 rebate paid as stated, no service could be done,no reboot disk supplied, computer was not used online. received a payout figure over the phone, paid it and they wanted more.

They trashed my credit all for $59 that went on to become hundreds of dollars. We had loads of legal people calling for years trying to recover this money. They gave me a payout figue and I paid it. then the bills kept on coming in. I still have these papers. I dont know whether you are able to help me with this, seeig that this has been such a long time.

I called the verification department on 5 separate occasions only to be dropped off the lines with no conclusion. The first time I called Amy advised that a second letter was sent out because I obviously did not receive the original one. On my third attempt I reached Eric who advised that a second cannot be sent out for security reasons, and the Amy obviously lied.

The end result is that the verification of my account can never take place, which means that I can never access my account online, which means that I have to send a check or pay with a service rep for a small charge of $13.95.

In summary, I will never buy a single product from Dell again.

I started college in 2002 and needed a computer. My parents could not help financially so I was approved by Dell. At the high interest rate of almost 30%, I am still attempting to pay a $1,500 balance that is still $1,500 plus. With high interests and late fees, I may never be able to pay off a computer that is no longer up-to-date.

I have called several times, my parents have called as well, to reason for me to pay a flat rate to try to pay off this balance. Representatives did not help and supervisors said their hands were tied and they would not help. I am still enrolled in classes and work as hard as possible to pay bills, but I may not be able to continue to pay on a bill that will never end.

Hello I did purchase a dell xps system back in 2005 and didn't get any information about the class action suit. I had trouble with the payments, then I didn't hear from dell financial services.. when my warranty expired, they wanted me to pay $49 fee, though I had no problems with the system until recently, I had to ask for all the software packages that it came with. The original sales rep, didn't provide me with the right OS disc.. so I had to reinstall my os. Now it's in collections with Oxford Mgt.

I keep getting phone calls from Anthony and Ann P., I originally had this settled with a dept. management program, though they didn't agree to my payments that I had set up. It turned out the gal that set up the payments was released from that collection agency. I was told if I came up with $3200 they'd settle the dept for that much.... my employment status changed, though I had problems with the sales, warranty, and for something that's a high pc system that keeps failing and going blue screen.. HORRIBLE.

I purchased a laptop computer from Dell and applied for financing July 2006 through their web-site. I too was not approved for the preferred rate but I was approved for the 28.99% rate. I paid the account and have not used it since.

On one occasion I was forced to send the payment overnight so as not to incur a late fee. Dell claimed the payment was not received in time and charged me a late fee. I had to go the the postmaster of my town and have him contact Dell to prove the payment was sent overnight. I had provided the same information but Dell would not take my word or any of the proof I provided.

i puchaced ahome computer from dell in 2002 ive paid $50.00 a monthy. the balance never ever comes down no matter what so i felt like i was swimming against the current. i got behind on payments so i told dell or i tried to tell dell to come get the computer back after i paid almost 4000.00 on it. im so angry im on an antidepressiant for my nerves b/c of this matter and upset

well no i have a cicil suit by dell

I went on-line to purchase accessories for my Dell Laptop. I was instructed through my college to apply on-line for a Dell Preffered Account and receive a 10% discount on purchases. I applied and receive a $1500.00 line of credit. I purchased my accessories and recived them with know problem at my home address. Later, I wanted to purchase another peripheral for my unit and was told that my account was put on hold pending verification. Verification of what! They have my SS#, address, Phone, and Job#... What more verification do they need.

So, I called Dell several times and got the same response regarding some verification letter which I have not received, to I guess verify who I am. I requested my account # so that I can issue a complaint of service to Dell, which is on their site, and I was refused pending my account verification. This process continues with no one being able to give you an answer on why verification is needed when the account was already established. I never was able to use the remaining balance of my credit, which in the statement says it's a revolving line of credit, until the hold on my account is lifted.

They will not provide you with any account information, Balnce, interest statements, etc. until this hold is cleared. I am not an attorney but I feel there is some wrong doing here if all these consumers all complaining about Dell Financial Services. If we all can somehow come together and file a Class Action Suit against Dell for there practices I'm sure a very wise attorney will see merit in this...

I needed my equipment for my criminal investigations photography class to better improve my opportunities in Law Enforcement. I did not have the cash on hand and was lookinfg for other means to obtain theses items. Using there line of credit if legit would have afforded me the opportunity to pay in installments.

Called on 12/2/08 to verify correct balance due on 12/6/08 in order to avoid deferred interest charges. (I was unable to access my account online, and could not pay online.) Their system was not current and did not include all payments made in November. Called my bank to verify payments had gone through the bank and deducted those paid from the amount due on current statement. Paid the remaining balance on 12/2/08 through Dell phone system to insure immediate application of payment with an additional $9.95 fee.

Assumed the balance was paid in full yet consequently received statement reflecting a $100.00 balance due with a subsequent deferred interest charge of $457.00. Called DFS to inquire about the $100.00 which I could not verify through the online system. Requested access to verify the mistake by checking their statements with my bank. I also said I was willing to make and immediate $100 payment until I could verify the mistake. The woman I spoke to said she coulod give me a $50 credit to my account but could not do anything else regarding the deferred interest charge because I did not pay by the promotional expiration date.

I said that was my intent on 12/2/08 when I called to get the balance due, but it was not correct, and they could not verify anything other than the information on the statement at that time. I asked to speak to a supervisor and was given to a man who would not give me his name (he was also from India). Before listening to my explanation and after putting me on hold, he offered me a $100 credit to my account but insisted that I had to pay the $457.00 fee. I explained that I thought I had paid the balance on 12/2/08 and that is why I called to verify the balance due and paid the additional $9.95 to insure that I was immediately credited the payment and therefore would not incur interest charges. He did not care. I asked to speak to a representative in America and was promptly disconnected.

I then continued to call Dell phone numbers in an effort to reach someone in America but was told that I could only call the 800 number and that it was automatically routed to India. I then emailed DFS regarding the issue and was told the same script, that I had not paid the balance in full by the due date and therefore owed the additional amount and would continue to accrue interest on that amount. Five emails later, I was finally told that in order to dispute this issue with someone in America, I had to write to a P.O. Box in Texas just to request the form to dispute this issue. I have done that and am waiting for a ressponse. However, at this rate another month will go by and I will continue to be charged 23.99% interest on deferred interest even though my balance is paid in full.

Excessive late charges on my monthly payment.

I bought 10 computers from dell thru DELL FINANCIAL SERVICES and the sales person told me I was going to get an 14.99% interest rate and I got 26.99%... when I received the first bill I told them about this and they said to pay it and they will fix it.... but they never did, so I only paid for 1 invoice and refuse to pay until fixed, but now I owe about 1500 in late fees...

I've tried to get a lease on a copier for my business and I'm not accepted because it shows that I have that debt with Dell and I haven't made any payments, so I have to fix this first in order for me to get anything..

I was check on computers and a sales rep was anything but helpful and I was going to go to a different company. My daughter who had purchased her computer from Dell recomended tryin one more time with a different rep. I did and I was told if I bought a computer they would throw in a printer Free for the lousy service I had received. we agreed to a price and I ordered it. I have several emails goin back and forth with over of the price.

I got the bill and it was more than agreed upon. I was being charged for the Free printer. I could not get anyone to answer the question of why I was being charged for the printer, but was told by 11 reps that they would take care of it. I had one set the price back and I set a check for the amount and then got a bill for the remainin printer charge PLUS late fees and interest! I have spoken to 13 people in DEL about this and nothing gets done except they all say to just pay it and they will send the money back to me when it gets straightened out. We have this black mark on our credit and it has wrecked geting our new home and a car. we are told our credit is greta except for this and if we can prove it we can get better rates! We have had 3 different credit collections call us numerous time to get us to pay! They say to just pay it so as to not continue to miss out on purchases due to bad credit rates!

We were not able to build out home as planned because of this on our credit report. we have not been aboe to purchase a car for the same reason. Our bank tells us we cna get it when we get this off.

overcharge interest charges

I am disgusted by Dell and their lack of customer service. The way we, the customers, are treated is horrifying.

A technical glitch in their billing system set the automatic payment incorrectly and pulls out my monthly payment 2 days after the due date therefore costing me not only my monthly payment but also finance charges and late fees.

They claim that I did this, that I set the payment up this way. Why would I purposely set up my automatic payment to be LATE??? The whole point of the automatic payment is to NOT be late in order to avoid late fees and finance charges and just get the item paid off in a timely manner.

Every time I call, and I have called at least 20 times in the past 2 years to get this resolved, it's as if I am put into an Indian limbo. No one records my calls so when I call back the next time to see if this has yet been adjusted or if someone else can help me, no one has any idea who I am or what my issue is. It's like I start from scratch each time I call.

These Reps are rude, condescending and speak terrible English. Then when I ask to speak to someone in Management to assist me with my billing problem, I am denied my request. Aren't there Managers or Supervisors at Dell? Who is running the show?

Now, I want to pay off the balance of the computer itself and that is all. These late charges and finance charges should be dropped. I am sure that I have paid the $1200.00 that my computer costs by now.

I don't deserve this kind of treatment and I know I am not alone. I just searched the internet and ONE website alone has over 43 pages of Dell customer complaints very similar to mine.

Thank you and I hope you will help me.

I purchased my Dell computer approx date 2005. They have attached a high unreasonable interest rate on this computer. Rates 34.76 THis is just totally crazy. I still owe probably as much on it now as I did three years ago because of the interest rates.

We were captured by those ad that dell had running on T.V. during that time . The most exciting part was the one year time period to pay for the product. Unfortunately we were totally taken when we were told that we had to pay a minimum every month or be chargred intrest.

The pressure that was put on us to pay this bill every month was frustrating and emotionaly draining.

I purchased a Dell computer and was charged a astronomical high interest finance rate. I was mislead when I purchased the computer.

It's costing me almost double for the computer.

I bought a $2,900 XPS M1330 Laptop from Dell 0% interest for 1 year. I paid everything on time every month excpet the last month, the payment came in two days late because I decided to do the online payment system (and it take a day or two to process. Thinking it was paid in full, dell slaps me with a $400 deferred finance charge because I missed the last months payment by 2 days...they keep hassling me about paying this deferred charge... but I am not going too...it is ridiculous of dell to go after me for such a minute violation.

They continue to charge high interest every month on my deferred charges.

I have an outstanding credit issue with Dell that requires me speaking with a live person. I have tried repeatedely to talk with CS and Dell Financial but they keep passing me back and forth. Dell Financial calls me twice per day with an automated service that disconnects 2 min. into any conversation. I can not find any other way to reach someone at Dell in US to have this issue resolved.

my credit ratings continue to be affected because I can not resolve this issue with Dell.

We purchase a computer from Dell and used their financial company, after a few months of making monthly payments, we called Dell, requested the pay off balance and paid it. Dell has continued to send us bills every month for interests on a Zero balance they tell me that because I paid before the term, we have to continue paying to the end of the term.

I bought a Dell INSPTIRON 530S Around $700 with a $ 130 service contract for 3 years. any problem can be fix at home and no interest for 6 months 1- I have balance of $300 by Dec 1st 2008 and I just got a stat met For $64.00 charge for interest

I call them and they said because I did not pay the entire amount by Dec 1st 2008 2- The service contract they told me for every things but Last week I had small problem and call dell technical and he Told me the is a software problem. your have to buy a service Contract for software. your contract for hard wear. only I am very disappointed with them. Please if you can help. Dell is mass leading the public. Best regards

I have been going through this situation with Dell since 2004. I purchased a computer with the understanding that I would have no interest for the first 6 months and then have a 23 percent interest charge. They never notified me and hiked my interest rate up to 30 percent. It's so impossible to lower this debt and I feel they've gotten 20 times what this computer is worth.

I feel stuck and it's very frustrating. They won't lower it when i call they just tell me they can't work with this interest rate. Maybe in the future.

I opened an account with Dell's Financial Services credit to buy a computer. They gave me a 2 thousand dollar credit limit, even though I only used about 600. So, weeks later, I ordered another computer for about the same amount (desktop this time). Both computers were delivered to the right address, and I got the first bill ALSO at the correct address. Then, I try to place another order, and my order is canceled, saying Dell needed account verfication. I called, and they said that they randomly picked accounts to verfiy, so I should await the verification form, before I could order anything else.

Weeks pass. Then I call to ask about the verification form. I find out that they sent the form to another address...not even my address. They tell me that they would send out another. I wait. Nothing. So, I call, again. They tell me that a second form wasn't sent and cannot be sent. I ask if there is someone else I can speak to, and they say that no one else will give me any other answer. So, basically, after having mailed me the computers and first bill to the CORRECT address, they lost my address (didn't even have it on file), and mailed out the form to the wrong address. Even though this was their mistake, they refused to correct it, and my credit line is unaccessable (cannot even make payments online).

A few days ago, I was contacted by a collection agency for Dell Financial Services. They said my account was in their hands because Dell did not receive any payments on the account. I bought The computer on 9/5/08, and here it is 12/21/08, no bill was received and a collection agency contacting me! I tried to go online to pay my bill, and with no knowledge of my account number, since I had not received a bill, I could not. I tried calling but each time I was routed to the collection agency who wanted my checking account number to set up a one time payment at my expense, late fees and processing costs. Well, I am not a fool and don't just give out my number to anyone.

Anyhow, to date, I have not received a bill, no account number, but I did manage to skirt the blood suckers additional fees by making a phone payment of $100 for the $78 my account was overdue. I have sent numerous emails to dell with a boggus account number in hopes they get my message and send me a billing statement. I have also contacted a local attorney in the matter. All I can say, this had better not come up on my credit report or I will have a field day. This is the last time I deal with Dell !

first offered 3 months 0 interest. did not receive. then, customer service the worst.

I planned on paying in three months. now, i am paying interest.

I made what was supposed to be my last payment for my Dell on 12/17/07. Dell Financial Services continued to automatically withdraw 89.30 from my account each month A YEAR LATER. I have written to the president and CEO of the company and to customer service and I have spent hours on the phone. Finally I put a hold on my account for a couple of months until I figured it was safe again.

Sure enough, the withdrawls are back. They usually send me a refund check a month or so later, but it's ridiculous that Dell can't just close every account that's been paid up. When I spoke with Dell's customer service dept. they told me I had to sign a form to stop the automatic withdrawals, then sent me a form to sign up FOR auto withdrawal. When the rep wrote back she said it looked like I was never signed up for auto withdrawal and my account was closed.

I can't believe an entire year later I'm still dealing with this.

We found out that an order we placed with Dell was cancelled when we checked the status online. No call, no email, nothing to let us know it was cancelled. Reason given was that the lease financing was declined. We financed using our Dell line of credit, so I contacted Dell Financial and they said the account was blocked for verification of identification.

I called that department and explained the problem. I was placed on hold for a while and the rep came back to say she could only talk to my husband because he was the guarantor on the account. He called and was told that they can't discuss with him why the hold was placed. That's it. Nothing.

Wouldn't a consumer want to know what was going on with their credit? Especially when we work so hard to keep it in good shape? Dell has become the absolute worst in providing quality customer service and support. DELL, WE ARE DONE WITH YOU.

Things that have happened:
1. They sent my computer to the wrong address. And blamed me. Then took them forever to replace the computer at the correct address.
2. Opened up a new account when I already had one. This gave me two bills.
3. Harrassed 3 - 4 times a day, every day. I was hospitalized and out of work for two months. I called to let them know I would be out of work for only two months. But I knew I had this debt and would be paying it when I returned to work.
4. Called Dell Support and was on the phone for 6 1/2 hours. Problem back.
5. Called Dell Support again and was on the phone for 4 hours. Problem back.
6. Ordered new Security from Dell, problem back.
7. Vista sucks!!!!!!!!!!

I've ordered two complete desk top computers with printers, cameras and everything. I'm looking to buy TV's and laptops, but with the poor service I've had with Dell. I will NEVER< NEVER but anyhting else from Dell.

Is there nothing the consumer can do to make Dell get their act together?

In 2004 my husband abandoned me and moved to CA. Without my knowledge he purchased a computer from Dell using my credit. I reported this ID theft to the police and gave Dell the Police report #. My lawyer said we were legally separated and I told the police that. We were in the middle of a police investigation regarding my husband so I could not file the divorce papers right away. He's serving time now, and 4 years later Dell is still trying to collect from me even though they've been given plenty of documentation to Dell. I've made no headway. I've spoken to our attorney general, Dell supervisors, etc., and got nada.

This is putting continual dings on my credit report over and over each time they resell this collection. I just laughed when I recently saw that Michael Dell was Mr. P.C. and cared what his customers thought. I live in an extended family with MANY potential Dell computer users that will never bring a dell into this house.

Paid approx 800.00 dollars thru my Dell Financial Account to update my warranty, have a box shipped to me to return my laptop and prepay for repairs.

I was leasing a dell laptop and printer for my business. The computer crashed 3 1/2 months before the end of the lease. I called and got a new system inwhich the old system was to be closed out and returned. I never recieved the return instructions and have called and emailed several times about the situation. In the mean time, I have been being charged each month for both computer systems. I keep being told that I have three accounts and they are all past due. When I told them I have been paying these bills and apparently the payments are going to the old system which I thought was closed out.

They will not apply my payments to the correct acct. and say that I have to still pay for the old system as well because I still have it. I told them it was not my fault that they haven't sent the return info. and I have been requesting it. Why would I pay for a computer that doesn't even work. I asked how much it would be to break my lease. The response I got was, you can return the equipment but you'll have to make the lease payments until the contract is up. What idiot would do that. And the buyout price is ridiculous. Now that my credit is impaired by Dell and the incompetent foreigners that I have to deal with, I will never again do business with Dell.

I'm paying for broken equipment and being charged for two systems. Also, they have messed up my credit.

Dell has refused to lower our Dell Preferred Account as required under the Soldiers and Sailors Relief Act. I have spent hours trying to get someone to help me. I spoke with a customer service representitive and he said I needed to fax a letter stating my issue. I asked for a phone number to the Soldiers and Sailors department and he stated that they did not have a phone number just a fax. I faxed a letter a while ago with all my contact information on it so we could resolve this issue but NO ONE will help and NO ONE will lower the interest rate.

Bad thing is - we have faxed orders which have been received stating my husbands name and location of deployment and they say that is not enough that he needs a roster. My husband deployed by himself so there is no roster and the only thing he received is his orders.

I am a single mother right now and this is wasting time on something that could have been resolved a while ago. It is wasting money from calling them and waiting long periods of time trying to get ahold of someone.

Person used my Dell account to purchase 3 to 4 Dell laptops I cant get ahold of anybody to clear this mess

My account identaty was stolen

It is very hard to make online payments...service is down frequently. Electronic money transfer is taking days to be processed and in this pas time account is billed with extra penalties. Telephone is worst endless hour to reach representative and insane fees for by phone payments Finally, I made full payment of my balance on line, Friday 10/31/2008 (amount of $ 304.40).

Today (11/03/08) I verified my checking account and amount was transferred. On Dell's end record is not updated and agent made my pay $ 45.00 more plus penalties plus $ 13.00 processing fees. Exactly $58.95. I owned Dell $ 304.40 an ended paying $ 363.35.

Over billing, time lost to reach customer support (hours and hours a day)

Won't allow us to put in a change of address. Locked our accounts up so that we can make no more purchases, after they replaced a failed hard drive under warranty and a failed laptop; under warranty. Replaced them and now refused to update our accounts.

We were discriminated against due to the words Vietnam War Veteran and they are extemely rude to us ever since and I believe they have this written somewhere and every operator overseas treats us with hate and ugliness, one operator wrote his Mother's maiden wrong and since then they say we are a security risk. I cannot find an address to write to about this.

They took $100.00 out of my bank acct. last month instead of the $74.95 as paid with conf...and will not discuss it since we are now a security risk.

5 yrs ago, ordered desktop over phone. Financed through Dell Financial Services. Sales person talked me out of several extras I had requested. Next morning I called the sales person, but had to leave a message on his phone. He never called me back. I then called back and tried to cancel my order, but was told I could not because the computer was already in shipping. I had placed the order around 4pm the day before and my calls were made around 10 am the next day. I ended up keeping the computer.

Also, I was to receive 6 mos free financing, but they started charging me financing charges after 3 months. I am attempting to locate my original papers and notes. I paid the balance off less finance charges & less the rebate I never received.

At the beginning of this month (October) I was served with a Complaint filed in the Madera Superior Court for $1,196.01. This amount is for interest charges that Dell has charged me over the past 5 years. Plus I will have to pay attorney fees & filing fees, both for me and Midland Funding acting on behalf of Dell.

We leased a computer from Dell Financial Services in February, 2006. In November 2007, we spoke with them about end-of lease options (two year lease with fair market value buy-out at end). They told me I had three options: Pay about $450 and keep the computer, send it back to them, or continue to make monthly payments for six more months, and keep it.

When I received a bill from them today, I started checking, because it seemed like we had already made the six extra payments. Fact is, we made eight, so I called them. The call center in India (or Pakistan) tells me that there is no six month option. I could either pay up, send them the computer or make payments indefinitely. I told them that was not the agreement, and asked to speak to a supervisor. Connected to an American voice (probably Austin), the lady on the other end of the phone told me that there was no six month termination deal, but an 18 month termination deal. I told her that was not acceptable, and that we would not tolerate having the rules changed in the middle of the day. She asked for proof of the six month deal in writing.

Well, the fellow in India (or Pakistan) that made the deal never sent me an email verifying the deal, time passed, and I never thought about it again, so, no mam, I don't have anything in writing. I asked to speak to her supervisor, she put me on hold, came back, and said she would make a one-time offer, if I would agree to it and pay $108 over the phone right now, they would terminate the lease and let us keep the computer. I told her we had already paid two months more than agreed, and that we wouldn't pay any more.

She said she was meeting us half way by going from an 18 month deal to a twelve month deal (all this after we paid $53.96 every month for 2 years, plus 8 more months at the same rate. $1726.72 for an $1151.00 computer). I demanded to speak to her superior. She said she had no superior to speak to. She said if I had a complaint, she would give me a fax number to fax my info to. Oh, sure. Send her a fax so she can throw it in the trash.

In the end, I told her to MAIL me end-of lease info so I can ship this computer back to dell and end my relationship with them. I told them we have a lease on another computer, and we want to terminate that lease too. She said we would have to fulfill all the requirements on that lease to terminate it. I want to talk to someone in charge!

We have a nearly three-year old computer that we don't want to continue paying for any more. I believe we have already made two payments for $53.96 each that we should not have paid, and the computer should be ours to keep.

Dell allowed me to purchase a laptop computer over the phone stating a low interest rate and pay off without penitelty, this was not the case, they charged us 30% interest and any other charge they could put on us. We planned to pay the computer in three months, but they kept adding more charges. Everything explained to us was a lie and a fraud.

Our credit has been attacked and we have had our credit rating lowered.

Last summer between the months of June & July 2007 [Dell] replaced my laptop computer with reluctance only after hours of frustrating phone calls, allowing my warrenty to laps, constant technical help calls, repeatly sending me the wrong recalled parts, and replacing the Mother Board. Here I am a yr. later still in collections, being offered a lesser payoff settlement and still disputing the amount owed on that computer.

1st [Dell] told me they'd never replace the product b/c in the 2 yrs I'd owned the now replaced product that I'd never complained, never asked for help or requrired assistance/technical support once on the product, b/c they showed no record. Which was odd and I disputed this by presenting saved copys of letters I'd sent and received from company, emails to and from tech support, product replacement documents, all prooving I'd been in constant contact, made several complaints, needed constant help with the product and was unsatisfied from the beginning w/the product.

After being accused of all of the above and [Dell] being prooven wrong on several accounts your company replaced my computer because the evidence I'd supplied not only to company but to the BBB and 3 credit bureaus was overwhelming accurate and stacked in my favor. So, I should be but I'm not surprised to be sitting here a yr. later reminding [Dell] of broken promises. It's kind of hard to keep promises when [they] can't even keep accurate records! In 1 of our many phone conversations which lead to the replacement of my computer, that I admitted that I had stopped payment b/c company kept repeating "I'm sorry there's nothing we can do to help you with that problem at this time." My response simply became "then I'll quit paying on the product and when you don't get your money then maybe you'll find a way to help me."

Call after call, letter after letter, email after email I was still dealing w/a faulty product and receiving the wrong replacement items which disallowed safe use of the product. Well true to my word, [Dell] quit receiving paymentts, I started receiving calls from [Dell] and I finally got my replacement! In all accuracy I started receiving collection calls 2 months after [they] hadn't received a payment and @ this time my computers balance was around $600, b/c it only started out @ $844 to beging with! which is far less than the $1330.22 [they're] asking.

The promise [Dell] made to me which I'm sure is in 1 of those recorded phone calls somewhere and which I've relayed to The Associated Recovery System on several accounts was that [they] were going to bring my account current, remove all late fees, interest and bring me current to the date on the amount very last paid b/c when [they] quit helping I quit paying! This has caused damamge to my credit score, I refuse to answer my phone due to the collection calls. I'm just tired of big companies sticking it to us little guys who work hard to pay bills, research the products we buy and get stuck w/debt and bad credit all because big business are unwilling to admit mistakes and do the right thing!

I was approved for a Dell Preferred Account and purchased a laptop computer in April of 2004. The account advertised as having No Interest Until April 2005. My first statement had no interest. Interest and finance charges appeared on my second statement and have been incurred ever since. I have all of my statements to prove this. I have paid over $1800 for a purchase that was originally $1,576. I requested a payoff balance this week because the computer no longer works since the motherboard is damaged. I was told I still owe $1435.09. This is due to the exorbitant interest rates that Dell charges.

Each statement I've received since 2004 lists a different interest rate so the balance has never gone below $1400. I am never able to get anyone on the phone to explain this to me from DFS customer service. I just get transferred to different departments and the phone is eventually disconnected after being on hold for over 30 minutes.

If I pay the balance off, I will have paid $3400 for an original purchase of $1576. I am paying over 30% interest on this purchase. I now owe them more than the computer is worth and twice the original purchase price. This is usury and should be against the law if it isn't already. Why isn't there a class action against this company from the state of Georgia?

I have an account with Dell.The account balance was zero. Prior to that I had it set up the bank to send money to Dell monthly.I paid off the balance about 8 month ago. The bank account was closed , but due to a glitch in a system the bank kept sending checks to Dell and even though there was no balance Dell kept cashing the checks. But the account was closed and had no funds so checks would bounce and Dell would charge me bouncing fees.

I called Dell and explained the situation and was told by the supervisor it would be taken care of.They call me 8 times a day and hang up.When I call them back to discuss the account the minute they hear the account number they hang up.Now it's just plain harassment. They call me at all times ,day and night .Now they want to charge me late fees and refered the account to a collection agency.

I am being charged $76.00 for something that's not my fault.My credit score went down. The phone calls are interfering with the quality of my life.They wake me and my baby up in the middle of the night. It has become unbearable .

isnt there someone, some place t0 actually talk to at dell. i dont mean there outsourced customer service . who usualy you cant understand,i know i am a senior citizen and i knew when i bought my computer the interest rate was unreal. but after threee years of payments. never even being so much as late. you would think they could lower it they did over a year or more ago to 27% wow.

i have even written certifeid letters. which they have signed for. this months statement said make bigger payments, or pay it off for better interest. i have sent so many emails its unreal. and get the same response just call customer service .i did again this morning i told them i have paid more in interest then the computer was worth she said there is no one to talk to .just them. i told her give me a supervision .she said would get same responce.isnt there some body some wherte in this company i just think it is terrible you cant even talk to sopme one

they told manke bigger paymenst ot pay it off

I too purchase a Dell Computer and original pricing was 900.00 after paying on the computer for over a year the price is now over the original amount. I'm getting all kinds of calls now from different groups. I'm currently frustrated like your previous writers and like to know if there is any legal action in Texas for consumer being taken advantage of?

I purchased a Dell a year ago, after reviewing my bill recently I noticed I owe more for the computer now then I did when I originally purchased it. In fine print I have been accumulating late payments. I want these waived.

I am late with a payment by 14 days as of today, and they find it a need to call 5-6x daily

constant harrassment

I purchased a Dell computer back five years ago and after some slight use and a divorce the computer was sent back with an agreement made with Dell Financial Services and part of the agrement included closing the account and cease any and all collections. It has been five years now and with numerous complaints to Dell I am still getting collection notices in the mail from debt recovery agencies. I inform them of the agreement with Dell and after faxing paperwork, emails and all conversations to them I am still getting notices. Those who I have spoken with at Dell seem to get transfered or mysteriously leave.

Now when I call I get someone who can barely speak english and they say they will transfer me to someone who handles these matters. By now you have probably guessed what happens next, I get transfered to another person who barely speaks english and does'nt handle the account or these matters. I get so fed up with it I just blow my lid and can't help but bad mouth Dell. If your looking for a computer, I would suggest someone other than Dell. They don't have their act together nor can they help you with any thing. No one at Dell knows who is who and what their job function is. Don't let them give you a phone number to any of the offices because you will get automated machines and transfered out of this world.

I have been trying to obtain a statement of my account for over 2 years on payment of a desktop computer from Dell Financial Services. I was promised a plan that would be feasable, and not too high. I had originally signed up to purchase a Dimension 4700 from Dell in Sept 2004 with the terms agreed as 2.99% interest intro rate for first 12 months, followed by 6.99% after for a total period of 36 months, 12 at 2.99%, and 24 at 6.99%.

I was to be paying approx $35/month as per the advertisement, but now am paying $88.25 approx per month, over a longer period of time, as they still withdraw the amount every month on auto withdrawl from my account. I am afraid to stop it because it will damage my credit record as it still shows outstanding balance on there. I am frustrated at attempts to stop this billing, and to obtain a statement of the account, and of the original contract, they can not locate any information on my original purchase, and I am afraid to stop payment on this account for fear of messing with my credit rating.

I have suffered overpayments for 1 years, payments of amounts higher then I originally negotiated with phone agent, and I had a computer burst into flames during the first or 2nd year of ownership that required they ship me a new unit, and I almost had a house fire due to it. I am afraid I am being billed for a 2nd product that was sent as a warranty claim because I purchased additional coverage on the first computer, I shouldn't have had to pay for it. They said in their contract they would provide a model that is close to the first if they can not provide the same model. Which they honoured, but I am now afraid they are billing me for it.

In July of 2003 I ordered a computer from dell online. I was in the service at the time and had just got back from overseas. Little did I know I was being deployed again and I could not afford to pay for the computer that I had purchased. At this point I had the computer for less than 90 days. I returned the computer and and spoke with a supervisor Lynelle that said to me and my mom that I would have to pay the interest for the time that I had the computer which was 3 payments of $67.33. She guaranteed us that the account would be settled after this and she gave us a confirmation #.

6 months goes by after this agreement was made over the phone and I get a bill in the mail saying that I am late and charges are added to the amount. I called them up and they had no idea what I was talking about and I was passed around on the phone to more than 10 people. This was absolutely rediculous. Nothing cpmes out of the phone call. 2 years later I get a bill in the mail from a collection ageny and since then I have been receiving bills from the collection agency to pay a debt that I DO NOT OWE.

The consequences of this situation I would label as fairly severe. One I was lied to by a supervisor that apparently no longer works with dell financial. So trying to make my case is like talking to a wall or its a dead end all together. When I try to contact dell I am passed around on the phone to various people and I have to give my story more times than I need to. My credit sccore has been destroyed as a result of Dell Financials inability to put the customer first and follow through on promises.

I have proof of everything including where I had to pay the interest for the less than 3 months that I had the computer. I am in the right here and want my credit fixed. This has been ongoing pain and agony in my life and to those in my family as well. It has been over 5 years since I had purchased that computer and sent it back. I refuse to pay for a debt that I do not owe for a computer that I no longer have. I want the letters and the calls from the collection agency to stop.

I bought a computer with credit with dell's financial services it was a promotional sale 18 months no interest which on the last month of the promotion the promotion expired on 8/1/08 but my payment was due until the 8/06/08 and by the time I made a full in payment of the total banlance on the 8/6/08

the next think you know I get a bill of $411.58 supposebly because I pay my balance off until the six and the promotion expired on the first which if the what the case they should it send me the bill due on the first instead of due on the six of the month

I don't think this is a fair business practices from dell.

I bought a computer and when i did i was informed that i had 12 months without finance charges. To my surprise they charged me finance charges for the 12 months the ones they gave me it free. I knew that they would charge me finance charges after the 12 months, but i recieved my statement that they charge me for the 12 months they told me it would be for free.

Later i called and told me i had to paid those 12 months and they charge me $309 dollars for the past 12 months. I told them that i thought they would charge me finance charges after the 12 months. I hope you ubderstand me and help me because these poeple dont understnad me or maybe i am wrong.

Im thinking these problem and cant get it out of my head. A lot of headaches and very nervous.

Dell Computer has and continues to harass me on the telephone and through their credit agents. Dell filed a frivolous lawsuit against me in NJ Superior Court, causing me to file an Answer and to travel to Newark, NJ for a hearing, at which Dell then failed to appear. The judge dismissed the case WITHOUT PREJUDICE, and my expenses could not be recovered. Yet, Dell continues the telephone harassment to extort monies which I do not owe to them.

I see from other posts that Dell Finance has this lock on the financing they are doing. I thought I was the only one until I did a search on dell finance identification verification and came to this site. I am basically throwing all the money I can at this debt because I want to be done with Dell. Period. I will never again purchase a dell product. From what I can see, dell is choosing to get out of the financing business and instead of contacting their customers and saying... Hey, any loans you have open with us, we want you to pay them off but we are not going to extend anymore credit. Instead we will keep this credit line open and put impossible roadblocks up so you cannot use it.

[Dell has] lost a personal customer and be sure I will never recommend Dell as a business product. We all know times are hard, both for individuals and companies. Still, this is America and in times of trouble we try to pull together and help out. Not stomp each other.

The consequences for me and Dell is that I will not do business with Dell ever again, either as an individual or for any company I work with. This type of deception and pushing back on a consumer is very poor business practice. In some cases, simply being honest would work wonders. If Dell is deciding to not extend anymore credit.. say so. But for a customer service agent (actually several) of a company the size of Dell to actually say.. I cant help you and I dont have a supervisor and thats the end of it.

So over 3 years ago I purchased a computer from Dell by applying for their Dell Preferred Account. I later also purchased a digital camera on the account. I have been paying on the account ever since then, about $50 a month. I then noticed that my balance was never going down. I finally decided to look at my statement more closely and realized that my interest rate was 28.99%.

I was shocked because I didn't know interest rates could even go that high. I knew that it was partially my own fault that my balance was not going down, since I was only paying the minimum. However, I was a college student at the time and that was my reason for purchasing the computer in the first place.

Anyways, in an attempt to try to make progress on paying down the date, I decided to call Dell and ask for a lower interest rate. Since I had read that typically if you just ask for it, then it is usually granted. Well I was told that over the course of 3 years, I had been late once, and as a result, I could not be granted a lower interest rate. So now I'm at the point where I feel like I've paid way more than the items I purchased are worth, and I'm still stuck with a huge balance.

I told the customer service supervisor that I spoke to that I had receipts for 30 ON-TIME payments & could prove that they had received them on time. She told me that the best she could do was offer to take $100 off the balance. I feel that I am being robbed here. If I am to pay this fee, the original purchase of $1,600 will have ended up costing me over $5,000. This is just not right. I have paid Dell more than I owed them & can prove that their late fees are bogus. Please help!

I bought a computer will Dell which was offering 18 months interest free. at the end of the term I made a complete payment on the six of the month because my payment was due on the six. So now they say they want to charge me all deferred interest because my promotion expires on the first of August. And I don't think this is right business practices. "Bait and switch" financing tactics IS THEIR PRACTICE. WHAT CAN I DO. Finance charges of 404 when I pay in my full balance.

I opened a Dell Preferred Account on July 2007. I haven't used the card/account until 2008. Since opening my acccount I have moved to another city. When I try to purchase a laptop I find out that my account is on hold for Identity Theft verification. I agree to the procedures and they told me that they can not continue at the moment, and they will send a letter to me to complete the verification within 30days. I said ok.

This has happend twice already and I have waited for them to send me a letter, the second time around I clearly told them I have moved to the new address and to make sure they send the letter of verification to the new address. All they said was whatever address is on file is the one that it's being sent to...

SO today 8-21-08. I call again, after waiting another 30days for this letter. And the Lady I spoke to gave me asked me for my SSN# and such, then read to me some robotic message about we cannot verify your account and we cannot provide any other information. When I explained my situation and asked her what can I do, speak to the president? Who is it that I can talk to to fix my own identity being verified...all I got was the silent treatment, and We cannot provide any other information.

I cannot even close the account.

About a year and a half ago my father was sent a letter by Dell Computers stating he had bought a $4000.00 computer and needed to setup payment arrangements. My father can barely work a calculator more or less a top of the line desktop computer. When my father called them back to tell them he did not purchase a computer they told him he had and that if he did not setup a payment plan they would effect his credit.

When my father asked them who bought the computer and where was it sent the representative for Dell told him it was none of his business. One thing they did ask was what his mothers maiden name was. When he answered the operator responded by telling him No that is not your mothers maiden name. Then she hung up.

After pulling up a credit report about 4 months ago on my father he realized they had effected his perfect credit rating. Without knowing who bought it or where it was shipped. Next my father contacted a lawyer who started the process my father just went through. When the lawyer asked Dell for their legal department he was flat denied. The lawyer then sent a letter to Dell stating that if they did not give us the information we had requested we will start the litigation process immediatly. A copy of the letter and a sworn affidavid with my grandmothers maiden name in it was also fowarded to the Texas Attorney Generals office. Two days later Dell sent my father a letter saying they were going to drop all the amount that he owed. LOL that he owed...

As a result he is in the process of suing Dell for the attack on his credit and the stress it induced. My father being a month from 70 years old and already 9 by passes on his heart did not need this effecting his elderly health. Plus the economic effect it had on his perfect credit score before Dell tried to intimidate my him.

I am a single mom of two; in Sept 03, 2004 I purchased a Dell desktop computer and software. Since i am a limited budget I checked Rent to Own etc but after calling Dell directly decided to buy directly from them. They said my payments would run about $37 a month. I bought my computer for my two high school age children (who are now out of high school)

I usually make my minimum payment on line and don't pay attention to my balance but today I called Dell and was in for quite a shock. They said I paid $1103.30 for my computer, $ 99.40 for software totaling $1202.70 but my balance is still $1205.00. I make my payments every month. When I asked the agent how that was possible he said it is because of my interst rate which varies between 29 and 31%.

How is it possible to have paid $1872 so far to Dell and still owe $1205 on a system that I have been paying on for 4 years and only costs $1202.70 plus taxes and shipping. I went with Dell thinking I would get a better deal and I have ended up paying an exorbent amount. I feel I have been taken advantage of. Is there anything I can do? Do they play these games with everyone or am I one of very few

I purchased a laptop computer and financed it through a business account with Dell Financial Services. In July 2008, I decided to pay off the remaining balance and attempted to make a payment on the DFS web site. However, I could not log on which I found out later DFS still had my old phone number and email address which I had changed with them months earlier. I had to make a couple of phone calls to have the information on their web site updated so I could log on and make the final payment. I was not able to log on after a period of 2 3 weeks.

In the meantime, DFS charged me a late fee and began calling me several times a day. The major complaint I have is when I answer the calls from 800-, no one was on the other end of the call. Then search this number on the internet and found out it was Dell and many people were complaining. So I called the DFS number on my statement and paid off the balance on the phone with checking account information.

After I paid off the balance, the 800- number called me again the next day and again no one was one the other end of the call even after I waited for a few minutes. So I hung up and called the number back. The person who answered the call could not find my account. I did not have the account number but I did have all the other information. He recommended I all Customer Service. After an hour later talking to 5 different people and insisting that my account be closed and to have DFS stop calling, my problem was solved. Dell waived the late charge fee and the pay by phone fee.

However, I wasted about 4 hours of my time over a 3 week period. I have purchased Dell computers for many years and as an IT consultant, recommend Dell to my clients. However, after this experience with DFS, I plan to buy my next computer from HP or someone other company.

All I was trying to do is order a Home theater system and charge it to my Dell card ( had more than enough to cover it)and the nightmare started. 1st time they told me it would be sent so after waiting a week! I contact them and my order was never place! So they seem real nice so I order it again. But this time they needed to call me. Within a few minutes they did call wanting me to buy a computer and other things. I told them what had happen and they move be to someone else. The last person I try to understand them but they couldn't talk in english hardly so I ask for someone else.

The bottom line I never got my order fill and spent all afternoon trying to do it. Bad thing I never been late on a payment or contact then about any problems or nothing. I was so mad I was crying and I never buy anything else from Dell no matter what. I even have a son that work for Dell in Texas

I was a wreck I never been treated so bad in my life. I work everyday and pay my bills. I told them I done purchase 2 computers from Dell and that well never happen again!

In 2004 We opened a dell financial business account. They asked for all of my information (SSN and such) as well as my husbands since the business was ours, and also all the information of anyone that was going to be using the account, in this case my sister. we got our computers laptop and a camera and everything seemed fine, we made our payments on time every month, however, a year after the business was going we had to shut our doors, but we continued our payments on time every month. With the economy going bad we ran into some hard times, we spoke with dell several times asking for a lower payment for several months in a row but now one would help us out. at our last payment of $100 in April they had charged off the account to LTD.

Since then Doug P. from LTD has called and harrassed us stating we needed to pay $500 or more payments or he was going to garnish wages. BUT the real quicker is somehow the Dell sales department put my sister (a single mother) down as a guarentor and custodial person, meaning she was the point of contact and this was affecting her credit and they were garnishing HER wages not ours. we explained to him what had happend but he said there was nothing he could do until Dell brought the account back, I called and spoke with seven different people over the past several weeks, Theresa, Edward, Marlyn, Kate, Steve, Kyle, and Taryn.

The first person sent me a change of custodial sheet, which I filed out and faxed back to them, in seven days I recieved an email stating they could not change it because they had charged the account off to their collection agency. So I called back, the other four said that they would have a manager call me regarding this matter, in which NO ONE ever called back. in calling someone today I spoke with two different people when I finally reached Marilyn in the resolution department who then says she had to email the recovery department to see if they would retract the account from collections to change this custodial person on the account. she said she would call as soon as she knew something whithin 24-48 hours. I recieved a call within 5 hours from her stating they would not do a thing and that my sister was the point of contact and SHE is responsible for this account.

When talking to the collection agency Doug P. who is very rude and crude and harrasses us daily both my sister and I he first stated that my sister was just the guarentor of the account, but speaking with Dell two days ago they stated that she was not only the guarentor but also the custodial person on the account. I told them that I have never recieved a bill in her name it always stated the business name then my name under that and then my husbands name. I have never recieved a contract stating that she was the guarentor on the account and the sales person NEVER said that he put her as the guarentor or custodial, he stated that it was in my husband and my name and that my sister was allowed to use the account as well.

Doug P. told my sister yesterday that he was going to file for a judgement to start garnishing my sisters wages since she is the primary on this account. He threatens her telling her that she had to give dell her finanical and personal information in order for her to be responsible calling her a lier and then turning around and stating that this accoutn was taken out in fraud then if she didnt know about it, he then goes on to tell her that she better talk to her sister (me) and get her story straight. My pour sister can not afford to have her wages garnished. My husband and I and my sister has been harrassed and manipulated and lied to from this company as well as Dell. We have lost time and money and health issues related to the stress this has put on all of us;

My husband has a dell preferd account.We had a good experiance the first order we placed for a laptop,minus the time it took to recive it.Then our second order was for a desk top, witch they put a hold on it for a verifiction reason even thought my husband was giving them all pices of information that they could possibly have on their records.

With that being said we had to wait for a letter in the mail and were to call once we recived it.To verify who hge was and in this letter had nothing but a statment to call them and verify who he was. They failed to inform us why this was going on and wouldn't even tell us if some one had tried to use his account. In dealing with this same problem they tranferd us to a bank that has NOTHING to do with dell..hung up on my husband SIX times and he was not being rude.

Now we have placed another order for a tv and wall mount for the tv. The wall mount is missing a peice of a part, so I call dell customer support to see if they could kindly and simply just mail us the missing piece. The cust. rep. informed me that the piece I was talking about didn't come with the wall mount do to the fact that the piece wasn't part of the invoice. I don't think every product you buy has a list of every piece to every part, now they do for the parts.She then tells me to mail it back to them as a return, and reorder the same item, I questioned her why they couldn't mail me what was missing,she then tells me that the item is a defected product. I persue why I would reorder a product that was defected. I then told her to put me on with a superviser and she put me on hold for an hour and fifteen minutes then hung up on me. We now will be closeing our account and Never Buying a Dell product and another company in with Dell Sony ect...is going to look just as bad of a coumpany as Dell.

I was in the process of relocating, I missed several payments with Dell. They send me to their Collection Agency. I have since been unruly dealing with a women named Bobbi. She would not listen at all to me. Continue to call my landlady home number (whom is 80 years old) and ask her personal questions about with out identify herself.

I had asked her not to call me at that number. I have contact Dell and made my payments with no respond on my complaints with this women Bobbi. She is extremely condescending. Dealing with Dell and this collection agent person Bobbi is very time consuming and just very upsetting. This person Bobbi seem to take great pleasure in upsetting one's day.

I purchased a computer in 2002, of which had 900.00 balance after the purchase, then I paid to principal every month and finally after 13 or so months had the balance down to around 375.00 I called to get a pay off to close the account in 2004 and was told that My account was handled by a new company. So I contacted the new company for the amount that had doubled it over night. How can somthing be a 100% more in 30 days,

Confused I tried to contact them over and over to get to someone that could help me figure out how this happened. No one could speak good english. I just kept paying the minimum sence I did'nt know were the money was going and to give me time to resolve this matter which clearly had to be an error on Dell's part. I still have my statement showing what I owed when I tried to pay off my balance. I believe they did'nt want my balance paid off and sold my account at the sign of me wanting to clear the account, that would have cost them money.

There is now a 1400.00 debt on my credit of which 1000.00 is extra past were I had my balance when I attempted to pay off my balance.

I haven't buy anything in the Dell company and I appered that i did and that I have to pay $6000 dollars which it is not true...somebody stold my identity and made those purcheses. because of that my credit line is affect I can't refinance my house I can do anything that I have to use credit

Also, after speaking with the individual on the phone, because I did not select a 3 yr protection plan they did not honor the 0% APR for the computer. Now I have tried to contact dell over and over regarding this computer and I get nothing short of what you would get buying a lemon off a used car lot.

We purchased a computer in 2004 (or earlier) and are still paying. They interest rate has double and we have dispursed over 2500.00 dollars for a desktop computer and our bills hows we still owe 2702.00!!!! How is that even possible????

I cannot stay afloat. We are paying these guys $60.00 dollars per month. It's crazy!

I signed up to purchase a Dell XPS computer with interest free financing. The company is deceptive on how they practice business. The company decides to charge 27% interest on the full purchase amount. I had a $367.00 finance charge appear on my account. This is after I paid the full amount of the computer.

We are currently leasing a computer through Dell's lease program, as we have done with several computers in the past 4 years. In the past year, we receive constant phonecalls from Dell's collections department, usually beginning 2 days after the payment due date. For example: This month, (July), payment by check to Dell of $58.99 went out of our office on 7/16/08, 3 days past the due date. On that date, we received 2 phone calls from some foreign person representing Dell to inquire as to the status of payment. As always, they want a payment by phone with an additional fee attached, which I refuse to do. I give them the check number of the payment sent.

I then receive 2 to 3 phone calls per day from Dell's collection dogs claiming that they do not have my payment. I checked my bank, found out that the check payment in question was paid by my bank on 7/21/08, so Dell received my payment on 7/19/08, and as of 7/28/08 was still making phone calls into my office looking for my payment! This is a regular monthly occurrence with Dell however, this particular month was even worse.

I emailed Dell on 7/25/08 with my complaint and they sent me back some sort of generic response. I contacted Dell to try to return the computer and end my relationship with Dell and they informed me that I may return the computer and pay them the rmaining leas payments totalling $1,128.38. That means that we have paid $2780.10 for this computer. Granted, we acknowledge that we should receive the Sap of the Year reward for ever entering into this type of a business relationship, and we will deal with financial consequences, but we are extremely irate with Dell Financial's collections department.

We have never missed a payment, and we have paid off 4 other lease/ purchases in the past 2 years. Yet, they continually harass us each month, and when we try to speak with a supervisor, we are connected to another person with a foreign accent who is no help whatsoever. We are completely disgusted with Dell, we will never purchase another Dell product, and we would love to get rid of the computer on the lease agreement in question so as to end forever any dealings with Dell and we can't even accomplish that without being yet again victimized by Dell's financial policies.

We fear that we are stuck dealing with the pit bulls from Dell Financial untill the lease is satisfied. We are a small construction business trying to make just a living, not a fortune, and we feel totally taken advantage of by the Corporate giant, Dell. Again, we will NEVER purchase another Dell product, and we will tell everyone we come in contact with to avoid Dell products.

In July 2003 on the back page of Parade Magazine there was a add for a dell comp for about 599.00 a 2400 series I got one but they didnt credit me or somthing and they wont talk to me and today I went to court for 2500,00 in intrest and late fees shouldntthey have a record of my payment?thank you

I purchased a Dell computer and financed it through the Preferred Account at Dell Financial Services on August 15th, 2002. The total invoice was in amount of $1496.98 including finance charges. My first payment was due on 10/10/02 in amount of $45.00.

Well, since that time and the present I have paid these people over $4000.00 and today's statement shows I now have a balance as of 7/15/08 of $1927.28. I can send these people a payment of $100.00 and they add like 60.00 interest and finance charges plus 30.00 late fee and give me credit for $10.00. These people call me on the job and embarass me and I make a promise to pay them on a certain date and they continue to call me everday.

I gave my husband Allen authority to deal with them on this account by emailing authorization to them back in 2003 and then I had to fax them another authorization and talk to them on the phone numerous times. My husband made arrangements to Pay online and was making payments on time each and every month and then they would turn this option off to him and start calling me again about every 3 months. I would like to know what I can do to FINALLY get this account settled. I have offered on numerous occasions to send the thing back to them and they threaten to sue me. Help!

This one account has caused me great worry, embarassment on the job from harassing phone calls, bad credit reports and has ruined my good credit rating.

I called to purchase a computer. I talked to Dallas. She set me up on a payment plan, FOR PURCHASE, of $57.00/month. I paid $200.00 when I received the first bill, I didn't receive a bill the following month, and then we get a NASTY CALL FROM DELL'S COLLECTIONS OFFICE.... threatening to send us to a collection agency!!!! They said I can't do that, and I owe them $26.00 for the month.

I'm now receiving bills for LEASE. I've called, as I've made larger payments than the $57.00, and they are charging me each month anywhere from $26-$15.00 for lease charges. I'm buying the thing! I want to know what I can do about this! THEY'VE EVEN THREATENED TO CALL A COLLECTION AGENCY AND WE'VE PAID MORE THAN MONTHLY BILL IS. TO TOP IT OFF, THEY DON'T EVEN SEND A BILL THE FOLLOWING MONTH, JUST A NASTY PHONE CALL!

Made my husband go into a near rage. We bought the computer to process his billings for his business. We have to have it. We bought it through his company. We don't want the company to have bad credit, nor do we want it on our personal credit. I would like to be contacted by an attorney if it would get this strightened out!

We have been going through the exact situation so many have already complained about. Confusing invoices, misleading terms of same as cash financing. We have been struggling to resolve the matter for 4 years now. You cannot talk intelligently with anyone. DFS sends their wolves on you trying to intimidate you into paying for something that you do not owe. It si misleading and fraudulent. In fact, I feel like they are extorting.

I purchased a Dell Inspiron 1720, Intel Core 2 2 Due T5550 on March 20,2008 . I financed through Dell Financial Services the amount of $2,180.42. No interest for 6 months, after that 18.99%.

I get a call the other day from Dell Financial Collections saying I haven't paid my bill. I have never received any bills from Dell and quite honestly I forgot I financed the computer. They said they have sent 4 bills to me but I have not received them. They charged my account $334 in interest (I got them to take $60.00 off of that). In addition to that the interest rate is now 27.9 %, up from 18.99%. Dell should be held accountable for their unlawful and immoral behavior.

When I received laptop it had been shipped and billed to my employer. Once again I called Dell and was assured the problem would be corrected, this happened in 2005 and to date has not been corrected. Previous employer has since filed felony charges of forgery and identity theft against me. This action has cost my family over 3000.00 so far and resulted in undo hardship on my family and my current employment.

I purchased a very high end set of servers for my business. I was given many different quotes as the complexity forced many changes. I finally settled on and purchased the servers and software. I was sent the wrong software and then sent a finance agreement. I had already paid IN FULL via check by the time I got this agreement. It turns out I overpaid by over $3000.00. It has now been 5 weeks and I still can't get Dell to send me a refund.

I was ordering a replacement toner cartridge & a printer on July 11 2008, selected to pay w/ my Dell Business Account, it rescored the account and removed our available credit of $23,837.23. Their statements, credit application and FAQ page to not disclose their practice of rescoring an account if it hasn't been used in over 90 days.

We have never been late on a payment to Dell, and the payment is always posted the day before the due date. My statement dated July 10 2008, shows the available credit of $23,837.23. I have written a letter to them that I am sending certified return receipt demanding that our account be restored. There is no reason to revoke our credit, especially when I was spending under $150.00.

I was forced to use my visa check card instead of my Dell account.

I am on Dissability and have a very fixed income,but I needed a computer so I could do business online. Shopping, banking, ect. I saw an add for a Dell pc for a reasonable price,but after adding what I needed it came to $1500. I could not pay that because of my income so they let me apply for a prefered card through them. I applied and was accepted and the pc and printer were sent 2/21/06.

I have been paying ever since I recieved my bill today, 7/9/08 and my bill total is $ 1538.77. I have called and called argued and cried and it has done no good. They will not lower the interest or join my dept consolidation program. Their answer to me is get the money from a family member and pay it off. How is this fair. I have paid over $ 1300. and yet I owe more than the loan. I have only been late 3x in 2 1/2 years and got their ink 3 or 4x. yet none of the money I've sent comes off the bill. PLEASE can anyone help me?

I ordered a Latitude XT tablet online. After calling to confirm shipping details, I was routed to the Verification Department. There I was told that they could not verify my account therefore could not use it as a means of paying. My order was then canceled and I was told there was nothing I could do.

I then proceeded to order online using my Dell preferred acount. That order did not go through and the representative I spoke with said they will have to refresh my account which means they would cancel my order. At that time I decided to call Dell financial services and cancel my business account as I cant use it. I was told that they have a hold on the account and cant do anything. I told them that I no longer want this to show up on my credit as I cant even use the credit anyway. I was told that they cannot do anything about it and the account will be left open and on hold.

At this point I want this account closed, I do not want to have a line of credit open if i cant even use it.

My husband and I decided to purchase because of this, "Deal" because we could pay it off with our tax refunds prior to August 2008, believing that we could make a few payments until the balance became due in August. We have made two payments towards the balance. One for $300.00 and another for $200.00.

We were shocked to receive this month, June 2008, a statement from Dell Financial Services stating we owed over $100.00 in tacked on additional fees, interest, and, "Convenience Payment Charges" prior to Aust 2008.

1. Billing was incorrectly billed to my father. I am a junior with the same name. This was identified correctly on the Dell credit application, but they chose to bill my father for my purchase of the computer I bought.

2. I upgraded my video card to specifically use the two monitor option for my computer. Customer service has been of little help. Finally after getting them to understand that my video card does not have two connectors coming out of the video card they figured that a splitter cable would solve the problem. I purchased that from Dell and guess what...that didn't work either.

3. Now working via email correspondence must be too much for them since they now recommend that I call them and try to work through their automated phone system for customer service.

In January 2007 I bought a Dell computer using a Dell Financial Services Dell Preferred Account. I assumed I could simply pay 1/18th of the computer price per month for 18 months at no interest to pay off the computer.

I was never told there was a due date on each payment and that my payments were set up for 2 to3 days late. I foolishly didnt examine the bills carefully until last month when I noticed I had been charged a late fee of $29 each month along with my $65 computer payment. The late payments were added for almost every month, totaling over $200.

I called Dell Financial Services and their partner Check Free to get the late payments removed. After several calls to both parties, Dell removed only 2 of the payments, claiming that I should have read my bills more carefully.

I looked up Dell Financial Services on the web and found (on your web site) they had settled a class action suit in 2006, promising to change their misleading practices. Other web sites have more recent complaints similar to mine.

I am afraid that is I do not pay all they claim that I owe before mid July, they will add on interest and blacken my credit rating.

Is there anything else I can do?

Thank you.

My 19 year old daughter bought a Dell laptop on a special XPS no interest plan. The first bill called for a minimum payment of $30.00. I set up an automatic payment of $50.00 without reading the fine print on her behalf. Turns out this revolving credit offer was accumulating interest all along and had a payoff date which must be met to avoid paying the accrued interest. However the minimum payment would not payoff the loaned amount in time to avoid the payoff. Mea culpa.

I did not beware the seller because after buying four computers and two axiums and a music player from Dell, I had put them on the friend of the family list. The special offer date expired and my kid was hit with a $500 in interest. I could have avoided this if I was aware of the consequences, but since my payments were being made automatically by my bank, I had no reason to study the monthly paper statements in a timely manner. After all, this was Dell Computers, a trusted member of the family.

Needless to say I must strongly urge everyone tempted to use Dell Financial Services to make sure they understand the terms. DSF will do everything they can to muddy the waters and steer you into a paying their astronomical interest rates.

Memo to Michael Dell: You spent most of your life revolutionizing retailing and creating a first tier brand. Why squander you life's work with gotcha financing? The $500 I will have to pay is a pittance compared to what I have spent with Dell, and thought I might in the future. My computer needs extend way beyond personal use. This is a classic battle of winning the battle and losing the war. Adios Dell. You're now on my life is too short list.

I can top the man who bought the Dell printer and has gone broke buying cartridges...I also bought a printer from Dell along with a desktop computer, a laptop, a video cam, digital cameras, digital-camera-printer, ipods, software, etc. This particular experience is exclusive to the printer and cartridges but it is necessary to understand how much money my small business has spent with Dell.

I ordered two, double cartridges for my J740 desktop printer. That is two sets each of one, color cartridge and one, black and white cartridge; that way I would be getting a deal on the purchase! I spent $138 total for the two sets. I ordered the cartridges on my business account line of credit (which at that time had an available credit line of over $3,000) and asked that they simply include the invoice with the shipment as I did NOT want to pay interest on the cartridges and would pay the balance in full upon receipt. I received the order within the designated time frame but with no invoice. Assuming the invoice would then be mailed separately, I went on about my business and dismissed the whole thing.

Four months later I received a call from Dell's Collection Department claiming that I owed them the $138 plus four months of past-due-fees. I asked why I had never been invoiced for the charge within the normal 10-30 days of shipment and was told they had sent invoices but that I neglected to pay them. Then I asked what address they had sent the invoices to. They had sent the invoices to my business address from four years ago; yes, I hadn't been at that address for over four years. Now they didn't have any trouble knowing which address to ship the cartridges to, just the invoices. This was due, I was told, to the fact that the billing department was in a different area than the shipping department and thus resulted in the error (their error). I asked them to email me a current invoice for the cost of the cartridges only and told them I was refusing to pay any late charges because it was their error and not mine and that therefore the charges were not valid.

They sent the email. I paid the invoice immediately and in full. Then they kept sending me monthly invoices for the late fees they claimed I still owed and of course adding an additional late fee to the initial late fees each month; still I refused to pay the late fee bill. This went on for four months and then, I learned today (06/11/2008), that they closed my account and decreased my credit line to $0.00 because my account was deliquent for $39.60. They reported the incident to my small business tax ID as a charge-off and ruined my credit for a mere $39 that was their mistake in the first place.

My business tax ID and credit rating have been permanently damaged and now I will have to pay a higher interest rate if and when I do get other business lines of credit. Also, I needed to buy some additional product for my business when I found I had no line of credit available thus putting me in the compromising situation of now having to search for another company to work with, other products to research, etc. All of which are wasting my time and resources.

I purchased a computer for my son. The date I don't recall but it has been years and they keep adding finance charges on it. I pay the minimum. When I called them I get such a run a round or I talk to an unbroken english speaking person whom i cant understand. All i want to know is why the financial charges are being added on. At this rate I will never pay this off.

I just want to pay them off already and get this over with. I am afraid if i dont keep paying it they will put me in collections.

Misquoted overcharged interest rates even thought my credit is excellent. Overpaying due to interest rate disparity.

After buying 7 computers from DELL I was told I would get 6 months same as cash with my latest desktop computer. When the bill arrived, it was due and payable or minimum payments could be made. Several phone calls and emails to DELL resulted in no settlement. I had to either pay in full to avoid finance charges or could make payments. I paid off the computer with a vocal complaint to DELL about the way I, a long time customer, was being treated. No help. I made them close my DELL account and told them I would never buy another DELL computer. The reaction was OK, we've closed your account. DELL had rather lose a customer than lose the opportunity to charge astronomical interest.

Because of the high interest I was paying on an account and seeing no change whatsoever. I didn't have the money to pay any higher payments at the time due to my other bills. I spent almost a year doing this before I took out a personal loan from a bank and paid off the Dell Preferred Account because there was no way I would be able to pay it off paying the "monthly payment" they used or told me I could pay when I purchased the computer.

In 2002, I purchased a home computer from Dellfor the amount of $1,200. I specifically explained that I was on a fixed income and my payments must come due on the 3rd of the month. The first month's payment came due on the 25th. I called them to remind them of our agreement. I was assured that the next month I would be billed for the 3rd of month payment.

Each month I was charged interest and late fees. This went on until the balance was up to $1,800. Each time I tried to complain, I was put on hold. When someone did come to the phone, their English was so poor, I could not understand what they were saying. Frustrated, I sent letters to every complaint avenue I could think of. Some may still be posted on the internet.

Finally, I told them I would not pay them until they corrected my bill. They, in turn turned it over to collections. The first collection agency was so rude that I just stopped trying to explain anything to them and stopped accepting their calls. They turned the account over to another company. After much frustration, I finally agreed to a balance of $800. He insisted that this would only be valid if I paid it right away. I went to my bank in Harker Heights and borrowed the money to pay the agreed upon amount, just glad to have it over with.

This agreement provided that I would no longer owe Dell anything. The next month, they again billed me, however the the bank loan department dealt with them and they never billed me again.

It left a mark on my credit which I was so desperately trying to repair.

I purchased a Inspiron 530 a Dell PC and printer, on 10/20/2007. If I paid within six month I would not paid no interest. The amount of the systems was $1,253.22. I received my statement and I have a balance of $1,123.88, because I couldn't paid the full amount within 6 month the promotion ended 5/09/08 I wouldn't paid no interest. The statement shows the amount of $171.84 (deferred finance charges), and $2.04 finances charges. I called on 5/28/08 because I don't understand why I have been charge that amount.

To this day I have paid $303.22 and never had a late payment.I would like to know where they got a balance of $983.33, because my last balance was $1,000.00 and they received payment on 5/5/08 for $50.00 dollars. With this new amount $983.33 +Daily Periodic Rate 0.07169% APR 26.24% days in cycle 30 and finace charges were $173.88 my new new plan balance $1,123.88. I spoke to a male which try to explained how they got to that amount, but he got confuse and upset.

It seem that I will never paid off this computer systmes sometime soon I don't like to be taken by CEO corp world who has more money that I can count. I live of SSID and it seem that I will go backward with this purchase instead of moving forwared. I don't like to be mislead and I have seen many complains someone has to do something about it. If any one can help please I will welcome the help and will appreciated. I need the PC because will graduate within two more years from MCC college I go to college for my Associate, but I don't like to be play as a fool.

In March I opened a bill from Dell with the amoount of $400 or more. They told me that I was to pay the bill on January 1. 2008 not January 8, 2008. I have talked to over 8 representatives and have written two letters. No response. Since this ordeal Dell calls my home over six times a day and it has been reported to the credit bureau and it has stopped me from getting a mortgage. It is very stressful and embarrassing.

The following year at the same time my balance was $1771.98 and my corresponding annual percentage rate was 28.74% and my effective annual percentage rate was 29.20%. When I was able to pay DFS off (from lending institution) I called and spoke to a specialist, (at that time I owed under a thousand dollars on my final bill) I asked what it would cost to pay off the bill and I was quoted $562.??, I was told to hold on and they would get management and then I was told that I owed the entire amount and I asked the manager how can I be quoted a specific amount to the cent if I owed the almost a $1000 he said it was it was a revolving door of credit.

I also had trouble with Dell when it came to technical issues (I paid for a 4-year extended warranty) when I would call because I was having a problems I would have to sit on the phone with them and they would tell me what to do to try and fix the problem or what diagnostics I would have to run before the would send a technician out for service.

The consequences were financial hardship, I was a college student trying to figure out how I was going to pay off this bill, and my job was ending for the semester (worked for DSCC). The first year I paid $456 and the next year it was $432 and buy the time I had actually paid them off I had paid them over $2000 for a computer that was only worth $399.00. Financially I had run out of student loans, grant money and my job was ending (seasonal) I had to find a lending institution that would lend me money so that I could pay them off. I couldn't continue to pay them hundreds of dollars every year and hardly any of the money was going towards the principal of the loan.

I ordered a laptop a almost 2 months ago. Also ordered a keyboard,digital converter, printer. I ordered all this stuff at the same time. I used Dell financial services to pay for it. The total was 1750 (1640 was the price of the laptop). I then get a bill in the mail 2 weeks later. I am not getting the 0% like was stated in the offer, I am geting 22%! I call them idiots in india, and they of course can do nothing. (just a note, 1.5 months into this mess they called and offered 0% interest and no payments for a year, but I couldn't take it because this credit card mess was already started)

So, with that offer, I also get a flyer. I can basically order my same exact computer for 500 dollars less. I called to complain and they told me to return the computer, they would send me another (the same exact effing thing) and I would pay 500$ less. I said fine whatever to save the 500$. So I order up a New laptop with the same specs for less money.

AFter that I call their returns department. At first, they say they will take it back then I find out about a huge secret "restocking fee". So I say forget it on the return. They wont' take it back because its over the 20 days or whatever. Its 22 days. So they wont' take it back. I call back 10 times over and over becuase I can't understand anyone. Then they offer 250$ cash back to me to go on my DFS account. I say sure. 2 weeks later my account is credited (and many phone calls later to make sure they did it).

I also see in my account they just charged me 1200 bucks for the second laptop. Now when I call they have no idea what laptop I am talking about. I CANCEL the 2nd laptop order as I have accepted their 250$. That takes about 3-4 days of non stop phone calls to india. Knock Knock.. Who's there?.. UPS.. UPS who?.. the same ups guy that has been here 3 days in a row because dell told them to come pick up my computer and never cancelled the request after I cancelled the second laptop order.

When I bought it I was promised rebates by going on a website. I went to the website, its down and don't work. So I call them. I called them 31 days after I got the paperwork for the rebates. They inform me rebates (about 250$ worth) are now void. I had to call within 30 days and I was 1 day over. I explain to them it was their website. I tried from work and home and it would not work. It was the website that they gave me in my paperwork (after I called and had to ask for it).

So, after about 10 more phone calls I complain enough so that they give some of the rebates. But for less then was promised. (I still havn't had any rebates come thru). My original sales person won't return my calls. I bought the computer thru a work discount (total joke), so every time I call I get re routed about 4-5 times back and forth from DFS for EPP purchases and customer care for EPP purchases. Its like dealing with 4 different companys that can't get to eachothers information. NONE of them speak good english, you can't hear them, and you have to verify who you are every time you speak to someone new. I have made about 40 phone calls to them.

I got a credit card with 0% interest to charge it all too thinking "I will get this taken care of". Well, you guessed it, they don't accept credit cards. So, you have to do someothing called a "walk to manifest". Dell india's way of saying balance transfer. I tell them DO IT! 15 phone calls later, they figure out how. I check my statments and they havn't transferred the laptop. Just the 3 little orders. I call and ask what is going on. They inform me they can't transfer the computer because it was ordered on a seperate day. One day before the other parts, that puts it over the 30 days by 1 day so they can't transfer that. I am stuck paying them 1333.68 at 22% interest. Keep in mind I have awesome credit.

So, many many many phone calls later and about 65 emails, I decide I will have my credit card write them a check for the full damn amount. But that final amount now includes a 35$ late fee, and 35$ finance charge because they never transferred the laptop doing a walk to manifest like they were supposed to. DFS tells me I have to write the DFS account number on the check minus the first 3 numbers because their account can't process that many digits. Then transfers me around because I have a 501 account and not a 502 account because my business has more then 400 people.

I call 5 times, they say they removed it but it never disappears. I call more, finally a guy gets it done, $75 removed. I have been getting calls for almost 2 weeks from dell.. "your payment is late.. where is it and why havnt' you mailed it?" I told them the entire amount has been mailed! All they have to do is process it and cash it. They email me asking questions, I reply with the answer, then they reply asking me to verify who I am before they can give me more information. They emailed me! duh! All that days days because they take days or a few weeks to respond.

So, today they call. I can't understand a word. He is very quiet, lots of static, and hardly speaks english. I start yelling at him when I hear the dreaded words "Hello Matthew, This is Dell's Department of Collections, you have not paid your bill and been reported".. My office area seen a whole new side of me and the fbomb got yelled many times. He wants me to pay my late fee 35$, my finance charge $35, and my payment $40. I explain that the payment in whole is on its way since last week and that them 2 charges should have been dropped already as they are dells mistake in the first place!

I am lost here. I have no idea what is going to happen. I have heard this happening to people before. Dell has moved everything to india and has gone downhill totally. I have literally talked to almost 50 people from there and spent uncountable hours on hold. They made a mistake and it looks like my credit may pay. I am going to check my credit in a few months. If their name is on it in a negative way, I am calling the attorney generals office. And I am sure I am missing alot of things here. Talking to them is like talking to a wall.

I am paying interest charges (about 40$ a month!) and this is all their mistake because they didn't do that stupid walk to manifest right and didn't transfer the laptop. They are also nailing me with late fees at 35$ a wack. I just had to call my credit card company and have them cancel the check because dell still calls threatening me because they haven't received it. I am having my CC company mail another one tomorrow. But dell insisted I pay them 95$ right now using a check by phone (which they charge you 14$ for!) to keep "head above water".

I don't know where this is going to go, I never got 0% interest, havn't got rebates (their rebate site for EPP rebates doesn't work), paid fees that I shouldn't have to be paying since this is all their mistake, lost uncountable hours of my life. Financial and many hours of my time. Who knows what they did to my credit rating.

November 8th- I have developed a system of keeping track of these phone calls. I am making an outline in a notebook with each step and then typing them here when I get off the phone.

- I call back and put in brads extension and leave a message that it is urgent I speak with him. I had to be quick because the system only allows like 14 seconds for a message.

- She transfers me but after 20 minutes on hold, I am forced to hang up as I have a meeting at work (20 mins is a joke anyways)

- I end the conversation with dell

- I had them make the check for 1181 (I subtracted the 151 from the 1333 that is about to be denied)

All that took well approx. 1.5 hrs. So I am done for today. I anticipate that dell will discover the check is bad and charge me some kind of fee for it even though its ALL THEIR FAULT for not processing it on time.

To be continued

My problem is not so much equipment as Dells arrogant Financial group. Even though the two computers I bought were pictured with a flat screen and an old fashioned screen shows up when delivered. The salesman says did you not pay any attention the the tiny numbers of the parts.

I financed the computers with Dell Financial or citibank. The interest rate is about 29%.I was given the wrong closing date and my payments were late for a while. I sttarted out owing them $800.00 paid 40 to 50 dollars a month and after two years owed them 883 dollars. In this they increased my credit limit. I decided to buy my step son a lap top and was turned down even though I had sufficient credit line the KGB of Dell the verification department was out to protect me. I tried to call them and each time after spending hours They would listen and put me on hold and never return to the phone.

Finally I decided to pay them off. I have spent one month trying to close my account and the KGB verification department says they are following banking guidelines and trying to protect me so they cannot authorize the closing of the account even though the balance is 000.

What a crock. I hope someday to be able to close my account and I hope the worst for Michael Dell and his motely crew. One day they will run out of people to dupe.

I received a Dell Dollars coupon from Dell computers for $75. The coupon stated that I had to spend more than the value of the coupon. I spent $75.98 plus shipping and tax for a grand total of $86 and change. When checking out on the Dell website, the coupon amount was subtracted, however when I received my credit card was charged for the full amount.

When I called Dell to ask why, I was told that I could not use my Dell Financial credit card to pay the difference. Nowhere on that coupon was this stated. I have made numerous phone calls to no avail. If I was not able to use this credit card, why was it not stated on the coupon or the website.I asked Dell to credit my account and I would give them another credit card to pay the difference and they still wouldn't allow it. I have no idea what the reason is for this, but I want this taken care of.

I am basically being charged for software that I would not have purchased, had I not received this coupon. Right now I'm out hours of phone calls, and $75 I had no intention of spending.

My son bought a dell computer with 18 months no interest. In Nov. of 2007 he moved out and called Dell and gave them his new address. To this date May of 2008 they still have not sent him a bill to his new address. They continue to send his bills to my house and everytime he calls to pay by phone since he does not receive any bills they charge him an extra $10.00.

In Dec. of 2007 he owed around 1,200.00 since then they canceled his interest free loan and said it was our responsiblity to get his bills to him and now he owes around $1,700.00. He has called them several times and they said that they changed his address in Nov. but for some reason they have not sent him one bill and continue to call and harrass us. I finally told them I was going to file suit against them if they called my house anymore since we have given them his address several times. I believe this is there way of making money.

My son put himself through Air Craft Mechanic school and moved out and asked Dell to send his bills to his new address and they can't do their job so they want to punish him and make him pay 29.99% interest. This has ruined his credit.

I brought a dell computer and sent in 1, 400 and had a balance of 345.18 so in sent in 336 and have a balance of 9.18 I was told by Dell Financial that they would wave the 9.18 when I called back, to see if they received the cashier check in the amount of 336.00 they did. I ask at that time would they wave the 9.18 and they told me no. The reason why Dell Financial do not want to do it, is because they want to have me get stuck with pay them the 9.18 pluse the service charge.

I am going through a divorce and can not afford it any more.

We purchased a computer from Dell in 2005. We sent a Cashiers check for the full amount. After which we even received a rebate. 2 years go by, then we start receiving phone calls from India demanding we pay them something like 87 dollars on our account. I told them, I don't have an account. This goes on for months then I start trying to find somebody who can speak english to talk to. What a rude company. I don't owe them any money, but I have been unable to resolve this. They are now claiming that I had a 60 day same as cash with a balance owed on an item that I neither ordered, nor received. After 60 days it automatically turns into a loan account. I didn't hear anything from these people for well over a year. They have turned me over to a collection company. I am turning them over to the Attorney Generals Office.

They claimed I had an unpaid account of $77, that now totals over $700, according to their collection agency. Just this morning after months of trying to deal with this I was able to get out of the person on the other end of the line that I was being charged for a Photo printer. I never ordered this printer and I did not receive a Photo printer. Resolution yet to be seen. They promise to call you back and you never hear from them.

My husband made a large payment by phone and asked that it be spaced out monthly through the month of May. They have been calling for 2 months now stating that we never even made that payment. Tonight (May 4th and we are supposd to be paid through May) a gentelman called and stated that he was not getting off the phone with m until I paid this bill. I explained to him that my husband will be home in a half hour. after 20 minutes I let him know that I was hanging up on him. My phone has rung every 30 seconds since then.

No financial yet. Harrassment is ILLEGAL though. I will NEVER purchase with Dell again. This is a horrible experience and I have no other credit issues.

Deborah of West Columbia TX (04/27/08

I purchased a computer through the preferred credit card. I have been paying on this computer forever and my balance is still 1,019.00. Interest rate is 30%.

They are robbing consumers and it has to stop. I have more than paid for this computer. There should be laws against this kind of practice

i was sold a laptop computer for $28.00 a month, after several months i noticed my principal was getting higher, i asked dell about this and they said 28 bucks doesn't even cover the interest. i later went into loan consolidation and dell finance is the only loaner to refuse my consolidation proposal...

my credit is taking a hit as a result of this..

On May 17, 2008, Dell Financial made a collection call and we set up a payment for May 2, 2008 for $174.00. The phone call was recorded. The gentleman taking the call was a Lamar Jackson. He stated he was taking the funds out on April 18 and I said no that was incorrect that it was May 2. He stated that he had changed the date. On April 18, I searched my bank account and the funds were taken out incorrectly. I called back and sent a bank statement and was told by a Danielle at the office that she had received the fax and that the funds would be placed in my account on April 21.

In the meantime on my husband became ill requiring hospitalization. He was discharged on April 24. I went to get medications for him on April 25 and there was not money in the bank because Dell had not recredited the funds and this had resulted in $175 in overdraft fees on several small checks. Phoned again and sent another bank statement on April 25 and was told it would be taken care of shortly. Called back 4 times on Friday and explained that I could not pick up my husband's medication without funds. Am told by a manager, A O'bana (sp?) that he didn't care about the situation and he would call back Monday.

Unauthorized funds taken from my account resulting in overdraft fees and inability to obtain medication for husband just coming out of hospital.

In April - 2006 I called Dell to purchase a notebook through the company I am employed with. The Order was placed in the company name but I was responsible for the payment. When I ordered the notebook the sales person asked me if I wanted a Lease to Own program. I said no just a monthly payment type account. When the first invoice arrived i noticed it has lease on the invoice. I immediately call Dell and spoke with the same person. He said he had made a mistake and would correct it. I asked him what the cost to go ahead an pay that account in full was. He gave me the total and I sent a check to pay the account in full (I have contacted my bank and they will send me a copy in 5-10 business days.

The next month I received an invoice for $1.33. I called Dell and spoke with a lady who said it was for management fees. I asked why? She stated that when the payment arrived it was 2 days into the next month and fees were applied. I said you mean I have to send a $1.33 check? She said no I will adjust it and I told her I appreciated that. A year or more passed and I received another statement for a little more than that and again I called they said they said to disregard it. Then to make a longer story short, I kept receiving statements and the total kept going up. Now the statement I received on 5/01/08 is in the amount of $237.49. I called every time I received a statement, I sent short notes on the back of the statements because I knew someone would open the statement expecting a check and would read the note w/phone #. No one never called me back.

Then I called to speak to someone and got someone in India. She said she couldn't help me so I asked for a Supervisor in the USA. I was connected to Angela Moothery. She informed me I have 2 choices 1-Pay $807.69 and keep the computer or 2- pay $266.49 + S&H and return the computer. I tried to explain it was paid for. She said it was a lease and I was in default. I told her what had happened almost 2 years ago and she said I would still pay it. I said I went a year and some months without a statement. She replied that was because I ran out of money. I asked what she meant by that and she said the check I sent was used or drawn on every month to make lease payments until it was gone. I said thats crazy. Who do you know Angela that would send anyone a check that large to be held in some account to have payments drawn on. I would not have done that. I sent in the amount to pay the note book off not extend payment until it was gone. I said your asking me to send money to purchase something I have already purchased. The notebook that in the end will cost me over $2,000.00.

Then I started explaining again and was told I had two choices only. She was starting to yell I asked her to volumn down as I wasnt getting loud. She asked me if I had anything from Dell with anything to back up what I said. I replied not I only kept receiving statements. She said then you will pay. I told her I already paid for the notebook and she said again I will tell you you have two choices. Then I received a call from Dell Warranty Dept. I told the lady that I was having problems with Dell at the moment and would not consider extended warranty until it was resolved. She said what problem. I explained it to her and she asked for my account # and came back on line to inform me that I owed nothing. My balance was zero. I then started getting calls from Dell Collections. I told them what was going on and he said to call Angela back and get her to send a fax or e-mail stating she was working with me. I did and Angela said you only have 2 choices and I can't send anything as you are deliquent in your account. I said how can I be Iif I paid it in full in the amount I was given. I told he I feel that somewhere down the road someone picked up the $1.33 or the computer regenerated it and it was placed back into the lease. She said mam you have 2 choices and if it is not resolved by May 1st you will have another $29.00 late fee and $68.92 payment. I have done all I can with them.

They will not listen. I never thought this would happen. We have purchased 4 notebooks and 3 desk tops here at Berry and Berry Inc. Can you help me? Please I have fought this battle long enough. I just received another call from Dell Collections yesterday (they call every day and are usually rude)except yesterday when a gentleman said I owed the bill and again I explained my problem as I do each and every time someone calls. He said hold on then came back and said you need to call Customer Service as they can fix it for you. I see on your paper work where the account was indeed change. We don't get all your paper work here in India but I can say you should call Customer Service. I told him I had and he said I need to ask for another Supervisor that is higher up. I said how would I know? And he replied you wouldn't but I can see you owe nothing. The secretary and the owners have witnessed all that has happened with Dell. I need it resolved. Thanking you in advance.

I can't afford to pay either amount they are requesting. I purchased the notebook I wanted 2 years ago because I wanted it to last 5-6 years. I can't sleep at night. I have headaches over it. I get a sick feeling every time the secretary says, Shelia, Dell on line 1 or 2. Then I can't eat. I can't pay it I don't have it and it is unfair. I would like to check the attorney box but I can't afford one.

We have purschased Dell Computer three years ago and open a business credit account. The account was assigned as sixth month no interest no pay. We have taken advantage of having sixth month offer from company, After that Dell sent us ainvoice and customer paid 4 or 5 invoices. Then customer did not aware that dell company is charging a hidden charges which did not told to customer when they open a account on the phone. However customer did contact the dell representative 11/14/2005 9:40 AM and asked for to payoff whole balance and closed the account effective 11/24/2005 Since that time customer did not receive any statement regarding to pay the amount and customer is not aware that this is account still in open and not closed. Dell Company did not closed account and left open purposely. After three yaers they have sent the international collection agency to cover the cost of $5800.00

After, That international collection center is keep calling to customer and talking abusive langauge and asking some unrelated question like job title, name, address and personel information which has nothing to do with account. The customer paid this amount via Personal check in full and sent payment with memo regarding whole paid off amount $2776.93 principal amount and $23.73 interest total to paid $2800.66. After several call received the customer foreced to harrased from comapany and customer statrt to document this case and reported to BBB in Texas. Then customer set a dell case number from resoultion department and told will be resolved within 24 hours and someone will contact and none of person contaced within that timeframe.

The call was received from dell and asked us to pay ammount for computer we have bought for approx $3373.97 and paid total amount $4074.37 since they are asking another $5800.00. This is a rip off the invisual customer right and company is violation the customer civil right. We have asked the representative to why u have not contaced since three years, they told to us

JOAN REP ID 452083 2:10PM 4/18/2008 said that we have a received large ammount so we have deposted a accured intrest for three years in advance? Who is going to pay three advance intrest and not pay a principal. And we have not closed account and will did not rfelected to whole payoff that is not custoomer fault that is DELL REPRESENTAIVE AND MISS MANAGEMENT FAULT CAN BE A LAWSUIT TO COMPANY LIKE ME.

The resoultion they come as of today 4/24/2008 to give half off and half to pay. Why still customer has to pay half off? Even customer has document the whole balance paid and closed account. This continuation is make us annoying and harrasing from dell collection center(international) and repoted to BBB and other legal agency for further action if needed. DELL COMAPNY MUST SENT A SORRY LETTER ANYTHING CUASE TO CUSTOMER OR FACE A LEGAL LAWSUIT FOR THREE YEARS OF PERIOD FROM THE ACCOUNT AND FACING SOME FEES AND CHARGES.

I see that in San Francisco a class action was brought against Dell Computer Inc for their practice of of overcharging fees to their customers.I was wondering if something like that could happen for all customers throughout the U S.Im in michigan and i bought a Dell computer which was suppose to be promotional deal My Bill totaled 1250.00 well this is two years and a half later and I owe Dell 1750.00 amazing isnt it.

The payments are 53.00 a month.But about 5.00 goes actually on the bill.The rest is interest.Now if you are late by even a day whopping hit.Will they reverse that no.I see that in California a class action suit was brought against Dell and they won for bad business practices against the consumer.I sure would like to see if that could happen for all the people.Or even in the state of Michigan How can you pay over 1000.00 on a bill and owe 1750.00 unbelievable.I am also writing my senator thank you

Money lost and for what.

You end up with a financing at the usurpational rate of 19%...

I placed my online order with Dell on 3/29/2008. My credit was approved...Two days later Dell Financing cancelled my order without notifying me or giving me a reason. It took me at least 5 hours to get in the circle trying to figure out why my order was cancelled after spending so many hours picking out what I need. They will not give you a reason and gave me a lot of fake phone numbers telling me to get lost.

It began 09/27/07. I went to the Dell kiosk in the local mall and spoke with a young man and applied for a Dell Preferred Account and when I got the results he informed me of my credit limit and also that I would recieve 6 months interest free. I was elated with the interest free part so I decided to use the Dell Preferred Account to purchase the computer. I would not have used the account if I had otherwise known the intersest rate I was actually going to be charged.

I will discuss that in a few moments.

I purchased a Dell Inspiron 1521 and the ending balance after negotiating free next day air shipping was $1394.47. So, I left the mall with my order in hand and was excited to be getting a new laptop in a few days. Well, a week passed and no laptop. I called Dell and was informed that they were out of the liquid crystal component for the screen and that it would be a few more weeks but that they would overnight it as soon as it was built.

I recieved in 10/31/07. As I opened the box I got a wiff of that "new computer smell', its a nice smell. I took it out and plugged it up and started playing around with things. After a few days I noticed that the battery was a bit lose and made a rattling sound. I then noticed that when a CD/DVD was put into the driver that the driver made a really loud grinding sound. So I called Dell and they agreed to send me a replacement machine. I recieved it within a few days (4or 5) and just put it aside for a week or so.

When I opened it I noticed immediately that the top was severely warped. So again, on the phone with Dell. They agreed to send yet another machine which I recieved within another week or so. Meanwhile I still have the other two. So I finally got around to opening the 3rd laptop and plugged it up and repackaged the other two to get them ready to ship back to Dell. The 3rd laptop never picked up speed. I know that they can sometimes be a little slow at first, but I gave it 3 weeks and still nothing. By now it is the first week of December and Dell is calling me wanting the other two laptops back. I have now consulted with a lawyer.

Then, I get an advertisement in the mail on December 8, 2007 advertising the exact same laptop that I purchased two months prior for $575.00 less than what I paid for it. Now I'm really upset. Meanwhile, I have not made a payment on my Dell Preferred Account because I am considering sending them all back and calling it quits, but they called me looking for $$$. So I made a payment of $100.00 and asked for my new balance. I was placed on hold so that the rep could "process my payment and give me the new balance after having applied my payment". I figured that it would be the original balance of $1394.47 minus the $100.00 payment=$1294.47.

She comes back on the line and states that the balance is now $1498.xx. I was appauled, how could this be i asked and she explained that the interest is not added until after the first payment has been applied. I explained that according to the guy at the Dell kiosk in the local mall, I should have no interest for 6 months. She then informed me that my interest rate is , are you ready, a whopping 23.9% and that the only way I can qualify for no interest for 6 months is to purchase a maintenance pacakage for $399.00 for a three year contract.

Now I was ******. I talked with my lawyer friend and this is when she mentioned the possibility of a class action lawsuit. So many things wrong in so many different departments of such a large company, surely this isn't only happening to me??? There must be others out there? Here it is 04/08/08 and I have sent the laptops back as of 02/18/08 and have confirmations that they were all recieved 02/20/08 and I refuse to make payments and Dell Financial Services calls repeatedly after promising that they will place a "hold" on the collections calls due to the nature of my experience and current situation.

I have failed at all attempts to get a refund. I and my credit report are at the mercy of Dell and Dell Financial Services. They have my money, I Do NOT have a laptop, and they have recieved countless hours of my time. The lawyer I was speaking with is a personal friend and said that she unfortunately at this time does not have time to take on this case. She asked if I could hold off for a few more months and after discussing things with her (that Dell would refund the $$ I HAd paid and I would revieve them within 7-10 days after they recieve the laptops)she suggested that I should just send the laptops back and get my refund and be done with it. Well the 7-10 days I was promised have come and gone 5 times over and still nothing. Again, today I found myself on the phone with Dell and its financial branch for over two hours.

These departments do not have any means of communication between one another so I have to go back and forth. My suggestion to any consumer considering the purchase of anything from Dell or to conduct business with any of its entities, DO NOT DO IT! You will get burned, they no longer put out a quality product, you can't get help from anyone there in any department, if you have a broken machine Dell is the only company that can fix it, they have no confidence in their own product in selling them for half the cost that they were just weeks prior, the list goes on and on.

If someone out there has had similar problems and is interested in filing a lawsuit I would be more than willing to participate. I would not wish on my worst enemy the trouble that I have been subjected to and forced to go through. I hope this is helpful to others.

We applied for a credit line for our business. We were approved immediately. Have the approval in writing with the amount of the line of credit of 4,000 dollars. So we sat down and decided on two computers and a gps unit. We placed the order to only receive an email 24-36 hours later requesting we call for verification reasons before they would ship. We called, spoke to a lady who verified all that she needed and said everything was good.

About 24hrs later we go online to see what the ship dates were on the units to find out it was canceled. We were never notified by Dell about the cancellation. So we placed yet another call to speak to another lady who said, sorry but you weren't declined due to financial but due to verification process but couldn't tell us why because it was confidential. I cannot imagine why it couldn't be discussed being it was our business information. Being a small woman owned corporation, I feel we are being discriminated due to the fact it is woman owned business. They say they are not required by law to tell us why they reversed the approval if it isn't financial reasons. How does a company fix something when they don't know what is wrong? We have other lines of credit and had verification issues before which pertained to the business address and was able to fax our business certificate and incorporation paperwork to validate our address. Why would this be info that couldn't be discussed? We are registered with the DNB and state, so we are very upset with the fact that Dell would be so uncustomer focused and not be willing to share our info with us.

They cost us time and money. We were approved, so we ordered, had ship dates and were anticipating the product to arrive and had installation set up to set everything up for our business and have now been charged a $100.00 cancellation fee with the installers. Not to mention we are now a week behind and will be two weeks behind because we had to take our business elsewhere and wait for the shipment and another installation date.

Back in 2001, I purchased one computer from Dell over the phone for $900. I was not told that this purchase was being put on a line of credit until I received a bill that stated that I had a line of credit. I paid this loan for six and a half years faithfully on the 15th of each month (automatic transfer) at $45 for a $900 computer. My balance never went down, it only grew from late fees and other charges. I tried to talk to Dell Financial services and I got people who did not speak English and were from another country, that refused to help me solve this problem. In mid 2007 I stopped paying Dell Financial because My balance was not ever going down. I was throwing away my hard earned money. Now my balance is $2654.75 with a rate of 29.99%. What can I do? They have turned me over to a collection agency called Primary Financial Services, LLC.

I have bad marks on my credit reports and I can't afford to pay Dell any more money during this time. And they are trying to sue me for their mess.

I am a teacher and a Grad student and I needed an updated computer. My wife and I liked Dell's finance option and so I called on March 20, 2008, and proceeded to order what basically amounted to over $2000 in computer and printer supplies. I was told that I was approved but would need to speak to their financial services, who then told me I needed to speak to their Verification Department. When transferred to them, we were then told we would be getting a letter in the mail so that we could finish our verification process.

When we questioned what other info they would need, they refused to say, saying only that we would get the letter, and we should follow the directions in the letter to verify ourselves in order to get the computer. They said it would take 7-10 business days.

2 weeks later, after no letter, and discovering that our order had been cancelled, we tried again. We got a new sales rep, who told us we would have to order all over again. When we ordered the same EXACT components, the order now came out to over $3000, but that shouldn't be a problem since, according to the rep, we were still approved for over $4000. Once again, the order went through, and once again we were told we would need to verify information. This time I asked for the Verification Department.

When I couldn't get a straight answer I asked for a Supervisor. The sales rep blatently refused and hung up.

I called back and spoke to another rep, who apologized for the first rep who hung up on us, and then again told us that he couldn't give us any information, but that we would get a letter.

At this point, I'm pretty angry, but he assures me that we are not being led by the nose or lied to, there really is a letter, and we would get one. No answers on what happened to the first letter.

Now it's April 2, 2008, and still no letters, and now the second order has been cancelled. I called and asked to speak to a supervisor, and was told that the Dell Dept, the Financial Dept, and the Verification Dept are all seperate areas, and one has no idea what the other is doing. In addition, we are now being told a THIRD time that we will receive a letter, with no answers on what happened to the first two, where they were mailed, why we need the letter, and if this is just Dell's cowardly way of declining us.

In June of 2004 I ordered my Dell Inspiron notebook during Dell's no payments or interest for 1 year promotions. Over the phone, the representative told me that I was approved for this promotion. A month and a half later, they called me looking for a payment because all of a sudden, I didn't qualify for the promotion. So I had to start making the minimum monthly payments. In may of 2005 I was laid off from my job.

I called Dell to inform them of my situation and requested a payment extension due to my circumstances. They're response was: "NO! Can't you borrow it from someone?" As if!?!

I would like an attorney to contact me about my complaint. My complaint will be mailed in written form to several different addresses.

My complaint is about the business practice of people who call in reference to enrolling in the Dell Preferred account credit protection plan. Obviously no matter how plainly and how many times you say no they will automatically sign you up and charge you for a service that you do not want.

Dell told me I could pay my bill a month ahead, so I did. They then charged me 5 months of late fee's. They then took off half the charges and I paid them by check 2 more months in a row, where they took the last 2 digits from my checks and deleted them causing my bank to try to get my payments out of my savings. They then charged me late fee's,proccessing fee's,and return check fee's, because of their mistake. I asked them to fix it and they assured me they would.

They have not fixed anything. So I stopped paying them, hoping they will take me to court. I also told the collection agency the same thing.

My dispute is I was not adequately informed about the terms and conditions associated with the Dell Preferred Account.

I was pre-approved for $10,000 in business financing. After ordering $3500 in computers for my business, my order was canceled because Dell Financial could not verify my business. I gave them every piece of info that has ever been associated with my business, however, Dell said that it didn't all jive with what they could research. It's Dell that is wrong-not me-the business owner.

They stated it was a phone number they couldn't verify but it's not a phone number that my business has had nor a number that I have had personally. I asked Dell to send me a "denial" due to why they could not verify my business and they refused to do so. There is nothing that I can do according to Dell. They suggested I go to Dun & Bradstreet to fill out a business credit background but that costs $600 to do so-almost what a computer would cost!

I feel that Dell should have gone to greater lengths to be sure they are correct - they were not correct-I, the business owner is the correct one. Dell mentioned "scams" but what they have on my business that they won't tell me is just as bad as someone trying to scam Dell-I feel they are "scamming" me. I feel Dell owes me an explanation and I feel they should have accepted my business registration, sales tax license, bank account info etc.

Then, not to tell me why-just that I am not giving them the info that they need to get. I think they need to be investigated for allowing incorrect information to determine who a business is and not allowing the business to prove differently!

have my full name,and tel number.

they call 10 mins apart on the hour
8am-9am and 5 times then again till 9pm
they fish for info,like "tell us your

address,and last 4 digits" of course I stopped talking to them.

on 03/15/2008 I made a $1930.07 to pay off my account in full.

The payment cleared my bank on 03/17/2008.

As of this morning, 03/26/2008 my Dell Preferred account available balance still does not reflect my $1930.07 payment.

would pay the original deducted amount they would waive the finance charges.

I'm going to send the $294.00 but I'll never buy another Dell and I will certainly never recommend their company or products. Their customer service is CRAP, CRAP, CRAP.

foreign speaking yo-yo's that couldn't help me, but did shuffle me to another overly polite idiot that couldn't help.

After

I bought a computor from dell 18 months ago. When I bought the computor I was told there will be no finance charges for 18 months. I finally received my first statement 3 months after I bought the computor. Then Dell started charging me finance charges. I finally got that issue resolved. Now in March of 2008 my 18 months are up. Now in March of 2008 I owe $147.45 and it was due on the 1st of March. I paid the full amount on or about March 12, 2008. On 3-24-08 I got a statement and it shows I owe $289.16, which $260.16 is Finance Charges on the total amount I borrowed of $1500.00.

I tried to talk to the Dell Financial Services and they replied that the finance charges will not go away. They first suggested they would subtract $50.00 dollars and I would have to pay the rest. I argued with them and said you cannot charge me $260.16 in finance charges on the full amount when I only owe $147.45. Then I was put through to a superviser.I explained what my problem was and the superviser that I was talking to replied I can waive $75.00 of the $260.16 . I then explained to her you cannot charge me any finance charges on any money that has already been paid.

She still refused to listen and I asked to speak with her superviser, she stated that there is no other superviser i could talk to and refused to give the address to Dell Corporate Office.I plan to write to some one that can help me.

To anybody thinking about buying a computer from dell think long and hard before you do.

On 3/6/2008 while contemplating buying a HDTV I was browsing your site

and found a Deal of the Day.

It was a 42 Phillips LCD HDTV. I
attempted to purchase this item online, having had two very favorable
transactions with your company in the past. During checkout I discovered
that my Dell Preferred Account was $63.00 short of the total for the
purchase. I was rereouted to Dell Financial Services where I was denied
an increase for that amount for my account. It was then suggested that I
call a sales agent to see what could be worked out.

I spoke to Meghan (extension *******) that night. She told me that I
should be able to apply a payment to my Dell account online with a same
day payment option for a $9.95 charge that would hit the account by the
next day and she would then place the order for the HDTV. I went through
the process of making the payment and checked the appropriate boxes. The
amount of the payment was withdrawn from my checking account the

following day.

About an hour after I had seen the withdrawal from my
checking account I got a call from Meghan saying that the payment had
not posted, and she was unable to process the order. Both of us assumed
that the payment would be reflected on the account by the end of
business or first thing on Monday morning (3/10/2008), so she said she
would wait until then and process the order through.

By early Monday afternoon the payment still had not posted. I call Dell
Financial Services where I was told by the CSR that even though I had
paid a $9.95 fee for a payment to be immediately applied to my account
that those payments still took 3-5 days to process, but they were then
backdated to reflect the payment date. After receiving this answer I
spoke to a supervisor there who owned the problem, refunded the $9.95

fee and got with Meghan to ensure the order was placed.

I spoke with
Meghan after my conversation with DFS. She told me during that
conversation that the backdating situation was untrue and that she had
never heard of such a thing ever happening. She also stated that the
overnight payment option was something that the sales reps were
encouraged to use.

The first lie made to me by Dell was made by the CSR that initially
answered my call at DFS about backdating online payments.

At this point I was frustrated, but understanding. There are glitches
when computers are involved, and the CSR may not have known all the
details of a procedure. Living in India rather than the US and doing
business in English which was obviously not her first language
can be difficult.

Meghan called the following day (3/11/2008) to tell me the order has
been placed. She also offered an apology for the problems. She explained
that I would receive an automated call with the tracking number and the
shippers information. I did receive that call, but the shipper was

identified as Eagle.

I was forced to call customer service at Dell
again after searching the internet for a shipper of that name to be told
by the CSR that the shipper was actually called CEVA Logistics. I got
the URL of their website and was then able to track the progress of the
shipment.

That entire headache could have been avoided had I been able to pay the
balance of the order by debit or credit card, but your system does not
allow for split tender when using a Dell Preferred Account. I do so love
the irony of a technology company being outdated. It gives me such faith
that my computer will keep working for another year.

On Thursday March 13th, 2008 the tracking information showed that my
television had arrived in the local CEVA hub. It had now been seven days
(5 business days) since I initiated this process. I was told by CEVA
that they would be unable to schedule my delivery until Tuesday March,

18th.

Making it an additional five days, three of them business days,
that I would have to wait for delivery of an item that was supposed to
take from 3-5 total business days to arrive. (We are now at a total of
12 day or 8 business days, if you haven't been keeping count)

I took the day off on 3/18/2008 to ensure that I would be at home when
the delivery was made because CEVA was unable to give me a time that the
delivery would happen. I waited all day at home. At about 5:45 p.m., I
called CEVA to inquire why the delivery had not been made. I was told by
the gentleman I spoke to that Dell had shipped them the wrong television
and it would be several more days before they would receive a

replacement.

CEVA had been trying to get into contact with me all day at
my work telephone number, which was the only one provided to them by
Dell, but due to the fact that I had to be at home to wait for a
delivery I was not there to receive the call.

After the most recent call with CEVA I was back on the phone with Dell
customer service. I was told by them that according to their records
everything was in order and I should have received my television by now.
At the time I was unaware, but the Dell CSR was correct. I called Meghan

back to see if there was anything she could do to help:

A: because I
could understand her, she did not have a thick Indian accent and B:
because she was the only person from Dell that actually seemed to care
that mistakes had been made and a situation was developing.

The shipping mistake was made by CEVA. Somewhere in their process there
was a labeling mistake. I found this out on 3/20/2008, but only after
calling CEVA myself after waiting 24 hours to be contacted by either
Dell or CEVA to let me know what the situation was.

Alice at CEVA explained that they had made a mistake. She got into
contact with Dell to start the process of having a replacement
television to be sent out and advised me to call Dell customer service
again to verify that I had not received the original television and I
would not be responsible for it. I did so, and was told a note had been
made on my account reflecting that information. I was also told I would
receive a call with the new shipping information.

This morning 3/24/2008 (Were now at 18 days, 12 business days total
wait on an item that should have arrived in 3-5 business days.) I got a
call at work from Dell. I'm assuming he was from Dell customer service
because he, much like the majority of Dell's employees, was not
located in America and had a thick Indian accent. I was told that my new
television would be shipped out today through DHL and would be in my

possession in no more than 48 hours.

I then asked for the tracking
number so I could verify this information for myself. At this point I
have a good deal of reasoning to not trust anything that I'm told by
either Dell or CEVA. After checking online with DHL I come to find out
that the tracking number I was given was the old tracking number from
CEVA, not a DHL tracking number at all.

This is the second blatant lie that I was told by Dell, and the third
time I was lied to in the process of this transaction.

Order number in hand I called Dell customer service again to get the
correct tracking number for DHL. The man I spoke to this morning told me
that he had no record of a new television being shipped out at all nor
of a call being made to me today by anyone at Dell, and it would be at
least Thursday March 27th before the process could be started for a
replacement for the one lost by CEVA to be on its way to me because the
policy was to wait for 5 business days before a replacement would be

re-sent.

When I pointed out to him that the last confirmation of the
location of the television was on 3/11/2008 when it was shipped from
Dell, well over five business days before the date of the conversation
he said I was correct but there was nothing he could or would do to
expedite the process. When I asked to speak to his supervisor I was told
that the phone system was having some sort of glitch and I would need to
call back in thirty minutes. He then told me that if I had a complaint
that I could speak with his supervisor but he would give me the same

answers I had already gotten if I called back in thirty minutes.

When I asked the csr to give me the address and the name of the
executive in charge of Customer Service at the Dell corporate
headquarters I was told that he did not have that information. I asked
again for the address information, was told again that he did not have
it.

This leads me to the third and fourth times that Dell has lied to me
outright over the course of this ordeal. The third when I was told by
the earlier caller that claimed to be from Dell and was able to give me
information about my account and prior shipping information when I was
told that the merchandise that has already been billed to my account

would actually be in my possession within 48 hours at the latest.

The
fourth and final lie to date was the CSR telling me that he did not have
an address or a name that could be contacted at the Dell headquarters.
He said this to me while seated in a Dell call center, in front of
a Dell computer, on an internal Dell network with an internet connection
available, and he then told me that his supervisor would not have the
address information either.

From jump this purchase has been a frustration. To date I have lost
eight hours of vacation time, close to 15 hours of my personal time
being on the phone with Dell agents, waiting on hold for Dell agents or
the shipping company. I have been repeatedly lied to by both Dell and

the shipping company.

I have waited for 18 days, 12 of them business
days, for an item that has already been billed to my account. I have
made a payment on that account already for an item I do not yet have. I
have been offered no more than a perfunctory apology from Dell or CEVA
while being told that there is nothing that either company can or will
do for me to help get this toxic waste dump of a mess cleaned up.

As of 5:22 pm est 3/24/2008 after three more calls to Dell I have been refused expedited shipping of the television and told that in an earlier conversation I refused to have a replacement television sent out at all. Another lie from Dell. Why should I be surprised?

I purchased a laptop from Dell in Jan. of 2007.For the entire year of 2007 I was unable to use the computer because it consistently caused me problems. I financed the computer through Dell Financial Services and continued to pay for it throughout the year. I had to cancel an online real estate appraisal course due to the defective laptop which has since been returned to Dell.

I received a refurbished laptop from Dell this year. I have contacted Dell Financial Services and Dell Corp. seeking reimbursement for the finance charges placed on my account for the year 2007 since I did not have use of the laptop and do not feel I should be billed finance charges for something I was unable to use. I have sent various emails, letters and made phone calls but no one will respond to my request.

Furthermore I tried to cancel a service warranty extension since I am fed up with Dell and I was told that I cannot do that since I purchased it in Jan. of this year. I see no reason why they cannot cancel and refund a portion of the money charged for same.