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Dell Finance

Vernon of Arlington, TX October 30, 2008

Vernon of Arlington TX (10/30/08)
Dell allowed me to purchase a laptop computer over the phone stating a low interest rate and pay off without penitelty, this was not the case, they charged us 30% interest and any other charge they could put on us. We planned to pay the computer in three months, but they kept adding more charges. Everything explained to us was a lie and a fraud.

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

Christie of Hanford, CA October 24, 2008

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

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

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

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

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

Jamila of Atlanta, GA October 23, 2008

Jamila of Atlanta GA (10/23/08)
I was approved for a Dell Preferred Account and purchased a laptop computer in April of 2004. The account advertised as having No Interest Until April 2005. My first statement had no interest. Interest and finance charges appeared on my second statement and have been incurred ever since. I have all of my statements to prove this. I have paid over 1800 for a purchase that was originally 1,576. I requested a payoff balance this week because the computer no longer works since the motherboard is damaged. I was told I still owe 1435.09. This is due to the exorbitant interest rates that Dell charges.

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

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

Flora of Closter, NJ October 22, 2008

Flora of Closter NJ (10/22/08)
I have an account with Dell.The account balance was zero. Prior to that I had it set up the bank to send money to Dell monthly.I paid off the balance about 8 month ago. The bank account was closed , but due to a glitch in a system the bank kept sending checks to Dell and even though there was no balance Dell kept cashing the checks.  But the account was closed and had no funds so checks would bounce and Dell would charge me bouncing fees.

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

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

Joyce of Tullahoma, TN October 16, 2008

Joyce of Tullahoma TN (10/16/08)
isnt there someone, some place t0 actually talk to at dell. i dont mean there outsourced customer service . who usualy you cant understand,i know i am a senior citizen and i knew when i bought my computer the interest rate was unreal. but after threee years of payments. never even being so much as late. you would think they could lower it they did over a year or more ago to 27% wow.

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

they told manke bigger paymenst ot pay it off

Danielle of Woodstock, GA September 30, 2008

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