Dell Finance

I purchased a 1525 laptop in January 2008 for $700, but it stopped working. I had good luck at work with Dell, but left my work and had disability money. I paid through October, sending back and forth and opening until I returned for good. I had had them fixed the motherboard and hard drive. First, I had tried to fix it from their directions. I finally sent it back and asked for a refund. They continued to charge me when it was in their possession. With no refund, I finally by the next summer had paid around $350 and over $200 for a replacement that crashed (refurnished parts which crashed twice).

They hounded me with calls. Now, when I just sent a bill for approximately $1600, which I told them I don't have half nor am I able to borrow now to pay half off, I thought the Better Business Bureau helped clear this. Nothing. And it crashed again. They said financial was a separate company. They are ruining my credit and I think it made my disability worse from stress. I had a divorce and had hoped I would do many jobs with my computer. Instead, I wasted time with that, lost my house in the recession, and things were worse for my child.

Inaccurate Credit Reporting: I bought a computer with Dell on August 2003. I have some financial issues and loss of employment that contributed to being late on this account. In June 2006, I separated from the military and was unemployed until January 2007. My account was charged off on Mar 2007 and I agreed on a payment plan with Dell to settle this account. They were to deduct money from my bank account until the amount agreed upon was paid in full. The account was paid off by Sept 2007. Dell had eventually dropped from my credit report since it had been over seven years.

So a few months ago, I see a collection agency show up on my credit report and find out they were collecting on behalf of Dell Financial Services for the amount that I settled my account for. I requested a Debt Validation that resulted in the collection company being removed from my Credit Report. However, Dell then showed up on my account again as an open account and for the original amount I bought the computer for. They sent me a letter say they show my account as OPEN and that current amount owed is for the amount of the original purchase, as if I never made a payment to them since 2003.

I called Customer Service to request a payment history and I was told that due to the age of my account, they weren't able to view that information. However, the representative was able to tell me the date my account was opened, date it was charged off and the date they last received a payment. Yet, they couldn't verify exactly how much I owed or how much I paid towards my account. I explained my situation and was informed that the burden of proof was on me. I don't have bank statements going back to 2003 and since Dell was removed from my credit report I had gotten rid of all statements regarding this account. I never thought that once I settled an account, that years later they would re-open the account as if I've never made a single payment, but report me to the credit bureau as delinquent for years.

I received two letters from Dell Financial Services for 2 active accounts. Both stated that I owed $0.00 and stating that numerous attempts were made to no avail, so both accounts were to be sent to a third-party collection. I called Dell Financial Services and was advised that records showed both accounts scheduled for collection and the person was unable to answer. Why this state after payments had in fact been taken from bank every month for a long time? I was assured that a manager would call within 24 hours and this did not occur. I request formal apology for this mistake. I want the Dell employee and his or her supervisor to be reprimanded immediately. I want to be compensated for undue stress and discomfort in dealing with this absurd and ridiculous issue.

Lease question: We, for 30 days, have been trying to contact Dell Financial Services for help with our lease. I have been hung up on 7 times after being told that I would be transferred to a supervisor who never came on the line when I was on hold for 20 minutes. I believe that is how your company works to have the consumer hang up, so they would not have to deal with our problem. I was to get in contact with Mr. Paul **, who is not a real person. So we are just going to wait until Dell finally calls us due to non-payment of our lease. That way, we will be able to get our problem handled in a professional manner. This is a sad, sad way to operate a company.

I had established a Dell Financial Services account a couple of year's advantage of a discount on a desktop purchase. I paid off the purchase and made no further purchases. In January 2012, I received a bill for a purchase for over $1,400.00. In following up with Dell, I was required to file a fraud report and a police report. The fraud report was to be notarized. I complained and was allowed to submit with a copy of my driver's license.

I was eventually notified that the case was not a fraud, but a misappropriation of costs from a purchase under the employee purchase plan. The equipment (laptop, printer and cables) were purchased by a Dennis ** and shipped to an APO (army P.O. Box). In the meantime, I have been hounded by the collections group and unable to find anyone with the authority to correct the issue. I have since received a notice from the fraud group that this is not a fraud case and I am responsible for the payment of the bill.

In trying to resolve the issue, I have spoken to over 30 people in the US, India and Philippines. I have documented and recorded the calls and spent more than 25 hours on the phone. Every call is starting from scratch and case numbers are not available to the staff to review. I have recently found that the process for resolution is a do-loop where fraud refers me to customer service, which refers me to financial services and refers me to fraud, etc. No one will provide their last name and managers are quick to pass the problem on to other departments.

This is a case where an employee took advantage of an inefficient system knowing that the company is not equipped to resolve problems. I am unable to contact the corporate office and found many similar complaints on the internet. All phone systems are automated and limit the caller in options for contacting the company.

I Google searched alternative methods to contact Dell and found a listing for sales reps with cell phone numbers. I reached sales rep Chad ** on his cell phone and was told that there were no direct dial numbers to corporate, and that he received about 3 calls a week similar to mine. He had no capacity to solve my problem and could not refer me to anything but the general customer service 800 number.

My most recent conversation was with Kumar of the employee purchase group in India who opened another case number and intended to contact the fraud division to follow up on my assertions, with the fraud investigator John **. He was to call back today but did not contact me. I called him back but was not able to reach him through the extension he had given me. The system kicked over to voice mail where it asked for his voice mailbox number or last name. I had neither as he had not given me the number nor company policy prohibits providing last names.

At this point, my options appear to be to file a criminal complaint against Dell specifically naming Dennis ** and the most senior officer in charge of the Financial Services group. Since this is an interstate issue, I will likely report to the FBI as under fraud, ID theft, conspiracy and illegal activity across state lines.

I leased a Dell Latitude approximately 4 years ago. The computer + software (Microsoft Office and Quickbooks) was roughly $1,300 - $1,400. I agreed to a 3-year lease when the sales person told me I could buy it out at the end of the lease at fair market value. I asked how much that would be and she said she couldn't tell me because she didn't know what it would be worth in 3 years but the technology was advancing so rapidly that it would basically be obsolete and therefore be very inexpensive.

At the end of three years, I asked for the buy out and they wanted over $600 (the computer new was in the range of $800-$900 at most). After much complaining, they brought the buy out down to around $350. Not having that cash available, I opted to continue to lease it for another year. When I asked what the buyout is now they quote over $500! Again after much complaining they came down to $327. I took the computer to a local computer shop and asked what the fair market value is on this computer and they said between $150 and $175.

The other option Dell gave me was to continue the lease for 6 more months (totalling $330 in payments) and it would then be mine to keep. I have already paid $2640 for a computer that cost - with software about $1300. They now want another $330 for me to keep it. I feel that I was misled when I purchased it - being told the buy out would be very minimal. My company uses hundreds of Dell computers and has a discount agreement with them. I will make sure they also know how shabbily they treat lease customers. How can they possibly charge me $327.25 on a buy out of a computer that is worth approximately $150?

I had fallen behind in my payments to Dell and as a result, I owed a minimum payment of $353. Upon receiving my tax refund, I made the payment on Saturday the 18th of February. On the 19th of February, I received a phone call from the collections department stating that while I made the payment, it would not be credited in time and would show up on my credit report. It was already there because of the late payment. The collections representative assured me that if I made the payment with him, it would be credited instantly. I could cancel the payment I made online and the payment he was taking would be the only one reflected.

Upon having him confirm, this I canceled the payment online and authorized the payment over the phone. When I went to work on Tuesday, I checked my checking account to see that two payments had occurred, totaling a little over $700. I have contacted Dell to no avail because they said the payment was never canceled. I know it was canceled, however, only one payment shows up and instead of receiving the credit electronically (as I paid it), I now have to wait four weeks to receive a check. Once I pay this card off, it will be a cold day in hell before I use this card again.

When I post a payment on Dell, it takes up to 5 days or more to post on my credit. I feel they are holding this to make a profit for more interest. Most reps are rude. They don't understand or speak English at all. I feel that if I'm with my California residence, they should give us the option to speak to someone who can speak English well. When you ask where they're from, they say India! I live in the USA. I do have an up to date balance, but can't wait until I pay it off so I don't have to deal with this anymore.

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.

I've 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 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 a month! I mean this is 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 lawsuit 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, I'll never buy from you again and I'll 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 but refused to work with me. They screamed at me and called me a liar. Only a fool would buy from Dell. They turned me over to collections.

A few years back, I bought a computer from Dell on a charge account, the 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 tried to work with Dell many times but with no luck. Every time 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 harass me all day every day? 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. As of a few months ago with all their fees, it's over $2,500. I want to settle this debt but how do i do that when they can't keep their end of any agreement? Am i supposed 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.

I 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 daughter's 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 amended police report, while still paying my additional insurance fee. DFS claims decide to respond with a warning of intend to defraud. This was a valid receipt and police report, so is the police dept fraudulent? 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 fulfilled my liability with Dell/DFS and followed the claims process to the letter and I cannot 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 this conversation, I am told they cannot 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. Harassment is not even the correct term for the abuse and calls I have received. I have explained the reason as to lack of payment. I was a single income parent trying to better my daughter's 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.

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 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 suggested 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 log in 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 ** # 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 department 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. Probably, you have lost a loyal customer. I buy most of my computers for my business through my IT contract company.

I do not have an account with Dell but I continually get up to three phone calls a day from Dell Financial. My son had an account with Dell but it was paid off back in March 2010. But Dell evidently did not close the account and it is accruing finance charges on something. I have told them over and over, "Do not call this phone number again." My son no longer lives here. But the numerous calls continue. I have reported it to the BBB and the MO Attorney General.

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 Singapore dollars. I have been charged 320 dollars on my credit card. When I plugged it in, it exploded damaging my laptop. I am part sighted and was not given a receipt. As I am not in England, I don't 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. I am 80 years old; I am a stroke and heart patient. Thank you.

I confirmed with Dell Finance that they would take the money out at the end of the 0% period. Whoops, apparently no such conversation took place so "we put you on a high interest repayment." They replaced faulty key board with different color as they didn't have the appropriate color in stock. Battery died just after warranty ran out. I contacted them, "tough luck." Charger unit failed just after the warranty ran out, contacted them, "tough luck." The Video card has failed now, just contacted them; LOL, "tough luck." I still owe $1000 due to Dell Finance having a laugh at my expense. I now have the most expensive foot stool I've ever owned.

I regularly update my 2 household laptops every 2-3 years. What a good customer they have lost. Just purchased my wife a Sony, I hope their laptops are okay and I hope I get a service that makes me want to stay with them. I am just frustrated with the lack of correspondence, also the feeling that I was intentionally misled and the fact that I so wanted to buy their Alienware Laptop next but alas, we live and learn.

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 Dell's business model. I can't believe they can afford to lose customers like me with such poor performance on their part.

I had purchased my computer from Dell. But I 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 it 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 and it's always a different department. They give me a number to call and lo 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 my warning, everyone: never buy anything from Dell.

In April 2009, I ordered a new desktop; it arrived and I hooked it up - works great. Well, a week or two later, another desktop arrived. I talked to Dell and they said I have to return Computer # 1 (now running happily in my office). I jumped up and down, screamed and they agreed to accept # 2 back. I got my bill, which is for 2 computers. I paid 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. I thought I had it fixed in mid June.

I have been receiving collection calls from Dell, sometimes 6 times a day. I just talked with Dell and it is not their department... that they can only see the purchase in April and that I am overdue, and why am I not paying them, they asked. 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 rip off, as they make more money 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 wish you would indicate this in your reports. I have been a CU member since about 1938 or so.

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 delinquencies 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 bought was not eligible for the 0% financing despite being told during the time of purchase it was. This is the classic bait and switch financing and dishonesty Dell has been famous for. In 2003, I purchased a Dell system and fell victim to this at the time too. After going ballistic on the customer service rep, she put in a request to categorize my system under the 0% financing. I'm expecting all finance charges to be credited and not to be charged interest for the next 7 months. I'm filing a complaint because this is bait and switch Dell financing practice that is supposed to stop. I read that Dell was fined $3.3 million last year because of this type of dishonest practice.

I've ordered a Dell laptop that I liked. The order was for a 350mb hard drive but they sent a 285mb hard drive in it. I called and the lady said it works so what's the problem. I asked what about the difference in the drives, she said nothing. My wife has been out of work for four months. We paid all of our bills on time but one, because 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 they close it. Well ** them too. We paid for them for seven months. My credit limit was $3500 and my current balance is $998.26. Good luck, Dell.

Dell Financial Services conned me into getting a so-called $0 APR financing deal for 2 years but started leaving interest after 1 1/2 years. They helped me set up 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.

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 got 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 the phone was falling short of the total value of the laptop by something like $55 or $60. I paid a portion of the remaining amount which was left over for the laptop (the Dell guys do amazing Math). 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 penalties were levied at that time totaling over $200.

After calling and spending more than 3 hours 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 voice mail went to someone else. I left a message - but no response.

At this point I called some more to try get some info and finally gave up, since I wasn't getting any call back/info from them. 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 and settle for $475 instead. I have no idea why I should pay for the collective mistakes of DFS. First, their employee set up a wrong monthly payment for me and they never updated my address even after repeatedly calling them so I never got any idea of my account till last January.

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 hardware, unfortunately). There is nil after-service, or customer service after getting the money. 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. Their business ethics are extremely devious and fraudulent.

I went online to Dell Financial Services 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 representative by the name of Rachel who informed me that my account had been closed, because of my credit report and 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.

I really did feel that my history with Dell was great. I definitely feel that it was unfair for Dell to check my credit report. I was disappointed and crushed to know that because of my recent credit, they no longer want to do business with me. Yes, I have some credit issues, but I never wanted to end up on the negative side of Dell. They've put a bad taste in my mouth and I will never do business with them again. My credit situation is only temporary.

I received the computer on the 14th of May, coming to find out that there was some major problems with the software within their system, even when knowing when the quad processor is much faster than the 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 resolve the matter with the company, I was trying to make them understand that I was visually impaired, it was like talking to a brick wall and this unit was still under manufacture warranty. 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 conversation with many of the folks, who, for some reason, don't know what they are talking about. I was still receiving the run-around with the company. Finally giving up after 6-8-09 and knowing that the company would still give me the run-around with the unit. Forking out $1400 for the unit and it is still not working. And have wanted to return the unit back to Dell for a replacement or the charges taken off the account. Right now, I'm at a loss as what to do at this time. Here are the following express codes, as the many times that I have dealt with these folks at Dell.

It is in my understanding that the company uses refurbished 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 supposed to be made. I would consider this action of theirs as a violation and a breach of their contract with their customers.

The computer has slow processor, a broken GGA/HDMI adapter, a damaged mother board, still not replace and other damages. When the unit starts to boot, it makes a 5-second high pitch noise.

I have made some mistakes over the years, as new parents we accumulated 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 Management International, who we have paid a set fee (lower interest 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 medical bills. We have a car payment. All in all I will be debt free from the car and all the 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 still owed them $1,000 more than the initial purchase amount. I need help badly! Is there anything I can do to stop them? I talked to them on 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% it's at now and the same problem is likely to occur?

Please help, it's killing me. I believe I have already paid the worth of the computer back to them. I don't have all that info right now but I'm working on putting that together as well. Please help! I want to be contacted by an attorney! Please help!

Well, I decided to get a new computer for personal use. We had already bought a desktop from Dell in the past and figured it wouldn't hurt to have two computers. So my husband and I ordered another from Dell. I told the lady I talked to from a foreign country, I am sure, what I wanted to do with the computer. She said, "sure, no problem" and told me the computer I'll receive 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 altogether but it has worked good for now! That was not the end of screw ups. It had been about a month and I noticed that 2 payments were coming out of my account for two different computers, so I tried getting answers from both Dell and Dell Financial. 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 principal 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 Financial. I'm 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 that from now on I want all correspondence sent to me via this new info. The sales rep told me all my info had been updated. He also told me that my monthly 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 payments 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. They refused and said that it was not their job to contact me nor update my info.

Dell is ridiculous. When you call, they take you through all these prompts. I got hanged up on 3 times by the reps in India. And after holding for one 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. The agent told me that giving that information was the only way they 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. Unknown to me, 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). I am awaiting resolution form DFS. I still have not received 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 coincidence, with all the hundreds of pieces of official mail and bills each month that my husband and I have successfully 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 account information and 2 monthly bills) were the only bills the US Postal Service supposedly did not deliver. I am very eager to close my DFS account, but must wait for the resolution of these charges. I have no idea what this has done to my credit score as I have already been sent to collections by DFS. I do not know what effect closing this account will have on my credit score, but from what I have learned from others on the web, DFS does not resolve these issues easily. But I will take my consequences and close my DFS account ASAP.

I bought two Dell computers between 2005 and 2006. I have paid twice over and my bill still goes out. I have talked to them. They said I was late on my payments and wasn't making the highest payment so my bill kept going up. I know that they are being dishonest and I feel like there is nothing that I can do.

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 bought a Vizio HDTV and the extra warranty plan from them. In May, we had a storm here and afterwards the TV would not play again. When I called, I was told I would have to get in touch with Vizio. When I questioned them about the extra warranty, I was told it was not in effect until December. I then asked if I could just cancel it at which time I was told no, I needed to have done that within 30 days. I now have a 32-inch HDTV that is not working and neither 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 harassed for 1 and a half years to pay for a repair that never took place. I called Dell when my laptop expired, and was told I need a motherboard, and had to return the laptop. I set up for an RMA. I was giving my SSN for a credit account, to cover the charge for convenience, and "nothing will happen", unless I approve the account using the coming material in the mail.

By the time the repair info and credit account material arrived, I had already bought a replacement laptop on eBay, which I am still using now. The broken laptop (8500) still sits on my shelf in the garage. So, I shredded the Dell information, and forgot about it. Two months later, I get dunning messages from Dell to pay $498. I called Dell many times, trying to straighten it out, and only got runaround.

Then the calls started coming, averaging 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 ** from Dell Financial Services, who agreed that I had a case, and they will close me out and not bother me, but the corporate office kept on 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.

Since I refused to pay even a token payment (because to make such a payment, in my words to him, was tantamount to agreeing that I owed the money). I was not economically damaged, except for the 3 phone recording devices that I bought. My real damage is personal stress, sleepless nights, and work time lost over this deal. Also, my perfect credit rating was damaged.

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 herself 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: 866-497-2661, 877-577-3355, 800-283-2210, 800-624-9896, 800-624-9897, 888-236-3355. I have spoken to a Gary **, Satish, Neil **, Ben, Margarita, Shaw, Angel and a few I could not understand.

On June 3, 2009, when calling 888-257-6372, I spoke with a Patrick who told me there was no record of the March 28 credit, but he 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 Customer Resolution with a Saranya, Senior Support Resolver from Dell Resolution Expert Team and Anton, 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.