Dell Finance Reviews

I used Dell Finance to purchase some audio equipment. Got it shipped and arrived fine. The first 6 months were supposed to be no interest. I set up automatic payments and planned to be done paying it off after 6 months. Much to my surprise, when I checked my balance close to the 6 month date, my balance was only slightly less than the initial amount I borrowed. When I checked the transaction history, I noticed that like clockwork, my automatic ACH payment would go through, and then be refunded immediately. This entire time, other than my first payment, I hadn't been paying down the amount at all and now the 6 month interest free period was up.

I am a small business. I wanted to buy a laptop from Dell and was working with a business representative at DELL. I wanted to buy on short term credit (90 days). Dell was TOTALLY UNRESPONSIVE. I offered to provide a personal guarantee (I have assets to back that up) in order to begin a line of credit. NOPE. Wasn't going to happen. So I still got a DELL computer but had to scale back my purchase and did not buy through DELL. My opinion based on my experience - big talk about helping and being receptive to small business - little follow-through or action. I WILL be looking elsewhere that is more small business friendly.

WARNING!!! NEVER, EVER, EVER USE DELL FINANCIAL. THAT IS THE WORST EXPERIENCE YOU WILL EVER HAVE. I spend hours every month just trying to make a payment. The last 2 days I have been trying to just pay it off so I never have to try and make a payment again and they will not let me. Won't take money, they do not listen, takes ages to get through, apologizes profusely and just does it again every month … F-. Would not recommend.

Unscrupulous and Disrespectful: Dell Financial Preferred Account: Total Disregard for Customers and Credit. I am appalled by the abysmal customer service and utter disrespect I experienced at the hands of Dell Financial. Their unscrupulous management and philosophy toward customers and the market are nothing short of despicable. Without any prior notification, the company callously closed my account, displaying a complete disregard for the consequences it would have on my credit and financial well-being. The sheer negligence and lack of communication demonstrated by Dell Financial is indicative of a company that cares little about its customers. Closing an account without any warning or explanation is not only unprofessional but also demonstrates a complete disregard for the trust and loyalty customers place in them.

I purchased a Dell laptop in Jan 2023, and also Microsoft annual subscription ($75.76) at the same time. And I made payment for them on the same day. But a month later, Dell mailed me a letter asking me to pay again for Microsoft annual subscription! I told them I'd already paid, but they kept insisting that I hadn't paid for it. Then I provide them with a copy of my credit card statement showing that my credit card was charged by Dell. But they didn't listen, and kept asking for payment. Every time I called them, it always took me more than 30 minutes. I am very disappointed with Dell Financial Services - terrible company & services!

I purchased a computer through Dell Financial in the amount of $2,938 in Jan 2022. When I made the purchase, I understood this was interest free for 12 months. In Feb. 2023, with $88 left to pay, I suddenly received a bill with an added $400. I was informed, during my phone conversation, I owed this since I did not pay the full amount. I expressed my displeasure since if I had known the added $400 was to appear, I would have paid in full. Dell first said they would take $50 off the $400. After I refused, they came back with $200 off. I still refused and said this was not in any writings or warnings I received from them. I feel this is underhanded and will never buy from them again.

I made a payment of $252.20 to Dell Financial Services. It was deducted from my Bank account, but the payment never got recorded at Dell Finance. So I called their Philippines Call Center and was given the run around. They said it would be investigated. I provided screenshots of the payment on my bank website, I provided a Trace number that the bank gave me for payment, I filed a dispute with my bank. The Philippines Call Center error was never fixed. I made another payment of $252.20 to DFS. Closed my account with Dell Finance and also closed my account with my bank. Will never do business with Dell Finance again. $252.20 was stolen by Dell Finance. The Dell Finance Philippines Call Center is bad. They speak broken English, they tend to resent Americans, and act like they have a Low intelligence level.

I got a line of credit from Dell for an expensive chair for my office. I don't make a ton of money so I had to finance it. I missed the first payment because I hadn't set up pre-authorized payments yet. I started getting call after call after call. Usually around 4 a day, every day. So I set up the auto payments and emailed the support team to see if I could cover the late payment to get myself back on track. They said that was fine and a DIRECT QUOTE from the email I got from them: "If you wish to process the past due balance, please reply to this email and indicate the date so we can process it through the automatic debit on your account or call us at the number listed below." So I said, "Yes, please, process that immediately." It was a charge for $32, no problem. I got an email yesterday saying the following: "We're confirming a payment amount of $643.93 had been scheduled on 10/21/2022."

Worst customer service I have ever experienced. Dell's supervisors need more training and Dell needs to overhaul the entire department. I was so frustrated with their service that I requested they cancel my order and they could not even do that! Will never purchase from Dell again.

Applied for a Dell Financial account and was told I had been approved. Would receive a welcome letter and further info about the credit line within 2 - 3 weeks. Didn't receive anything so I called and was told I had not been approved for a line of credit. No answer to the question 'WHY"!!! Again I was told I would receive further info by mail - still waiting.

I purchased a Monitor, Tower, Keyboard and mouse for my 1st Dell purchase for my business. Received monitor Dec 3rd 2021. How am I supposed to know if the monitor works if I have no Tower to plug it into? I didn't receive my tower until Dec 21st which is 18 days later. This monitor has no sound, or accessories that are compatible. Now they will not return or replace item that fits my company's needs. Bad 1st experience.

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.