Dell Finance Reviews

I purchased a Dell gaming 12/29/2020. It only lasted 6 months and died. I bought it through DFS as I knew I would pay it off in March 2021. Which I did. I sent the laptop back to Dell on Aug 30, 2021 and Dell got it Sept 3, 2021. I have been calling DFS since then and all I get is "We're monitoring the account." Dell fixed my laptop and sold it, DFS has my money. What's wrong with this picture? DFS will not even reply to the BBB? Sad state where in when companies can just take your money and no one can or will stop them. I'm not sure I will ever see a dime. Be aware.

Middle of last year purchased an item from Dell using my Dell Financial Services Account. Item was delivered and completely broken. Attempted to contact Dell but with COVID they didn't respond multiple times. They finally did and said "sorry it's past return date" as if I hadn't been contacting them weekly since delivery. Reached out to Dell Financial Services to inform them of issue and that I didn't want to pay for a defective item. Was told that is understandable and to keep in touch regarding outcome. I thought they understood that meant I wouldn't pay till we figured it out but they started charging late fees. I called and we talked again and they said "well while you dispute it you still need to pay it even if it's broken" which I argued but we finally agreed that they would waive ALL fees if I paid so I did. They refused to waive the fees and so I still had a balance on my account while fighting Dell, but the balance was only fees. So the fees just kept stacking.

I have purchased and financed 3 computers through Dell companies. I was in some tough times and was late with a few payments in 2013/14. Apparently that $150 was worth more than the thousands I did pay them. All account have been paid in full. I disputed this recently with them and they told me they would not remove the mark on my credit report, nor would they open credit/financing on my behalf in the future. Way to lose a loyal customer over a few missed payments.

They run your credit and accept a lot of people for the soft inquiry then deny you for the hard inquiry, in which is stuck on your credit for 2 years. That is very misleading ad fraudulent. Don't even bother wasting your time. Either buy your items straight up or shop elsewhere. The customer service reps are incompetent and do not know a whole lot, they put you on hold, when in fact they do not even ask their supervisor anything. They lie and say they did. Then they flag your account and write false notes. I never even applied for any loan with them and now I am stuck with a fraudulent hard pull on my credit and they will not honor my request to have a removal from my credit report.

Buyer beware! Customer service is horrible. I still don't have my item because they gave the delivery company the wrong number. However, they have billed me for it. I don't like paying for things I don't have. After calling 4 times and holding for 2 hours, I finally got someone to give me the info I needed to find out where my item is. It will be delivered, FINALLY, this Friday. Worst customer service EVER!

I'm a small business in the Seattle WA area. During the COVID 19 crisis I contact Dell to purchase a laptop so I wouldn't have to go to a big box store, which were not allowing customers at the time. I was approved as a business and given a 15K line of credit. I placed my order and immediately the order was held up for verification. It's been over a week and I'm still waiting. I've contacted Dell several times and their customer service or urgency to help their potential customers is beyond sad. I don't want to line of credit at this point and will NEVER do business with this company ever. My advice to you is this: Go to Best Buy, or buy someone's else's product. These guys are a joke.

I purchased a laptop in 2010 for $1450.00. At the moment of the financing I was 100% sure I chose the 48 month plan, but alas I didn't. Now that being said here we are 2020 and I still owe around $900.00. Where is the logic in this? I've contacted Dell a few times and they tell me that I didn't chose the 48 month plan and that I would need to continue payments until cleared. Well 10 years later... and I still owe that much. Never again is all I can say.

This has got to be the worst business for customer service ever! Don’t return phone calls, don’t answer emails, reps can barely speak English and provide different information depending on who you talk to. There is so much competition in this industry - do yourself a favour and shop elsewhere. Never again Dell!!!

My first laptop was a Dell, so I decided to buy another Dell laptop thru DFS (Canada). I was asked for my SIN # or credit card number I decided to give my credit card number. 24 hours later the fraud alerts started coming to my phone. I'm almost certain my credit card was compromised from giving DELL agents my card. All their agents are in India and I felt very uncomfortable giving them my information. Needless to say I was not getting anywhere with them. I was told my application was approved but the order is on hold by DFS, called DFS to find out what is the hold up and I'm told they need me to send a copy of my utility bill. There is something very strange with the way they do business, think TWICE before using them.

I originally bought my items for $3,318.64. I have been making on-time payments exception of one time and they aka waived it. In calling today I found out they did not. Shocker. Today owed $3,317---ARE YOU KIDDING ME? Come to find out I had 3 promotional interest deadlines. Great to know... I had no idea. I have consistently paid on time and I have paid $1 in two years. DO NOT FINANCE. Pay cash or use someone else. LOAN SHARKING is DELL FINANCE.

Tried to order a new computer, got approved for financing quickly, but then Dell Financial Service won't process the order, the horrible Filipino Phone personnel, go on and on like robots repeating scripts on verification, well my credit & finance approved me, why the holdup? They have to verify that I'm real, yet they can't seem to get it done? Only excuses, delays holding my credit line hostage, well I got verified by the credit company but DFS makes a process so stupid and difficult filled nonsense. They make getting a new computer such a negative experience, I don't want the friggin thing anymore. I bought a new $35,000 SUV, the same weekend, was easier than trying to purchase a $900 computer from Dell, what a nightmare. When I read the 100's of crappy experiences from others trying to buy from Dell and dealing with the idiotic DFS process...

They Claim to offer you special financing on products purchased but always find a way to add the interest anyway! When contacting customer service they could CARE LESS! I just got a loan to pay this card off and trash it. NEVER AGAIN would I purchase a thing from them! They are a LIE!!!

3RD desktop purchase for our small business. I should have know by the last 2 experiences that I should have stayed away! The second computer we bought was only 3 months old when one of their updates caused a problem with the computer. While on the phone with a supposed "tech" they walked through a good 1 1/2 hours of steps to only have the computer literally completely shut down and not even be operable at all!! So instead of sending a new computer the rep tech opens a 'service ticket' to send a tech to our office.

I purchased my laptop back on 8/20/18. I received a promotional discount that was 0% 8 interest for a year as long as it was paid in full within that year. From the start, I’ve always paid over the minimum amount and was enrolled with their autopay program. It wasn’t until the last couple months that I had to pull back on such large payments due to other financial circumstances. I had about $300 something left on my account in the beginning of August and I paid half before 8/20/19. Then today, 8/30/19, I got my statement for September and my jaw dropped to the floor! They charged me $200 in interest because my balance wasn’t paid in full!! Are you kidding me???? I knew that if I didn’t pay before the promotional period ended that I would have to pay interest but it was never explained that it would be all 12 months interest! I called up customer service and told them it was absolutely unacceptable to be charging that.

After I cancel Freedom Debit Relief back in 2013 I never got a statement from Dell. So in 2019 they sell my account. I would of thought that Dell would of sent a statement after I cancel Freedom Debit Relief.

99 percent of all banks have grace periods. But DELL FIN don't. How is this even legal. They charge a 39.00 late fee if it 12:00 am. Let's assume 2 hrs late. Well if you live in California good luck - you will always be late. We financed a laptop for 3100 and it's been 11 months now. Every month 39.00 late fee so 400 dollars of this is all late fees. Currently still owe 2880. How on earth can you allow this. Paid 1200 but really 400 in late fees and payments still owe 2880. Sound pretty fishy to me. I think I'm going to contact 20/20 to see if they can get to the bottom of this.

I bought a desktop last May. Deal was I pay off before year is out and I pay no interest. Great I could do that, so I started making extra payments to DFS. Well I log into my DFS online acct one day and notice a payment is missing. Yes I should have been checking monthly but I didn’t, my bad. Turns out more than one payment was missing. I call Dell and so begins the most frustrating 'customer service' circus I have ever encountered. The agents I talked with couldn’t seem to understand what I was trying to get across, which was basically "excuse me Dell! You did not credit my account for the extra payments made online from me from my bank!" After much going back & forth they seemed to "get it" so I had to send them info from my bank showing all the extra payments I made including the non credited one.

I got Dell Financial Service account last year (2018) to buy 5 big Dell products including laptop, desktop, etc before which they verified me. This year however my account balance was retrieved by me and as I moved to new place, I ordered a Samsung TV with memorial day sale on 24th May 2019. The order went through and gave me ETA of 5th June, 2019. However, on checking delivery status on 4th June 2019, I found the order was cancelled.

I have no problem with my desktop PC, but I am still stunned to find out that the only way to make payments to DFS is to link a checking account. Are these people still doing accounting with pencil and abacus? This is 2019 and I have to use a 3rd party (DOXO) just to be able to make payments, using methods that are convenient to ME, not Dell. Wow, has this company gone downhill.

I bought an Alienware computer in 2016 and used the recommended Dell Financial Services to pay for my computer. I set up an autopay and the linked account is where I put my salary in, that means it will always have a balance. Someday I have received an email saying that my DFS payment is past due. I checked my account and found somehow the autopay was closed by someone (Only I know the password and I never did that. Why do I do this? There is no reason). I did not check my balance that time because I believe in Dell which is a big company and finally when I found that I have been still paying the loan until 2019 (this loan is 12 months which should end in 2017).

Dell Financial Services is the worst company to have a credit account with. They will tell you that you have a promotional, no interest card, but purchases made within the promotional period after opening the card do not go towards this promotional balance. This is not explained at all and when I tried contacting them, they kept telling me I should call and when I called there would always be a wait. Additionally, their interest rate is based on a variable rate that is usually around 30%. Their computers are not good enough to have this much hassle over. In the future I will be purchasing a completely different brand of computer.

I just noticed I am still paying 30% interest, even though I called to make payment arrangements with an interest rate of 4%. I called this morning and got a girl from the Philippines who proceeded to read me a scripted bit of nonsense as to "We give you an interest rate based on your credit worthiness. We never give you a lower rate." So much for Dell keeping its word. Thieves.

I wish I would give zero. I have taken Dell XPS from Dell for 1400 dollars and I have taken for 1 year interest free and I put a auto payment for 13 months by mistake and I forget. After 12 months completed I left with remaining amount of 100 bugs or so. But they charged the 30% interest for the total amount of 1400 dollars which is insane. I people are going for the scam make sure you pay off the loan using any bank loan where interest charge is very less than this.

I bought a 65" Vizio tv on 7/16/18 and financed through Dell. The tv was delivered through a delivery company called Pilot. A appointment for the delivery was set for 7/23/18 between the hours of 1500 and 1900 pm (just use standard hours with an am or pm). It was delivered on 7/23/18 hours early. Good thing I was home to receive it because it needed to be signed for. The instructions to the delivery company from Dell was that it should be a 2 man delivery, which made sense because the box was over 5' tall and weighed over 50 lbs. There was only 1 delivery person who came to my door and dragged it in. We purchased a new wall mount for it the next day and proceeded to install it. We had it mounted on the wall and before we removed any of the protective screen coverings we plugged it in. Boy were we disappointed to see that there was nothing on the screen but the pixels had jagged lines all over the screen.

I would not recommend utilizing this Dell Preferred System! The late fees will bog you down plus they will screw you on interest charges! A $1500 PC will end up being $2500! Dell will laugh all the way to the bank on you and their customer service couldn't care less!

For the last 12 months I have made 15 payments to Dell Financial. I also pay 5 times the minimum payment but I still got a late fee!!! I demanded that Dell Financial apply the late fees to my principle without delay. This week, I received my bill and Dell Financial has not returned the erroneous late fees that they charged me.

Never in my life have I ever dealt with a company that lies and steals money from your account like this company does. If you're thinking about having anything to do with Dell rethink it. They will steal your money. It will cause you a nightmare. I am still trying to straighten this out after 3 months. Don't do it. Don't buy anything from Dell. Dell computers knows what Dell financial's doing and they will not do anything about it. Not only will they charge you the wrong amount of money. When you say something about it they'll just charge you again and then they want to charge you again. Don't do it. Stay away from them. Can't stress that enough. Just don't buy from Dell computers. Don't do it. Don't do it. Don't do it.

This is a horrible company. I am in Florida and got hit by a Cat 4 Hurricane in September 2017. Got behind on my account, and this no good company had no sympathy at all. Closed my account because I got behind on my payment, even when I called them and explained my circumstances. I am glad though, because I am tired of having to deal with the idiots out of this country. I will pay them off and the next time I am in the market for a computer, I will make sure to buy anything but a Dell product!

Do not use Dell services. They are untruthful and will do whatever and say whatever for a sale. I was taken advantage of and a simple $2000 purchase has already cost my family $6000 and when we call them they offer a whole $50 discount. At the end of the day this computer would cost us over $10,000 if we had not contacted Dell. I know it is up to me to understand what I signed up for but this company will use every trick in the book to get you hooked. Don't trust their sales people no matter how honest they seem. They have been trained to scam you. In our case we are screwed and it is a hard lesson that has definitely made me more aware that most sales people cannot be trusted and that this company are scammers. Hope others read this and do not fall into their trap.

I bought a laptop in 2009 from Dell. My payments were $15 a month. The laptop cost $799. I noticed this month they were still taking payments out of my account. December 2017. I called them to find out why and was told I still have a balance of $400. With their finance plan it will take a total of 16 years to pay off a $799 laptop. The total cost being $2880. That information was not given to me or explained at the time of sale. I purchased it over the phone. Insanity. I would never had agreed to these terms had they been explained to me. Very misleading.