Dell Finance

Frankly, I got screwed, it's either I find a lawyer or I have to pay that bill. I had messages saved with conversation with their employees that I asked if this amount is the total I need to pay every month to avoid interest charge. They said yes, but as someone not very familiar with legal grounds, to avoid troubles, I paid it this time. However, I will never buy from Dell again.

The day following I contacted DFS CS to resolve the issue. I was able to make a telephone payment to pay the balance in full. Of course, when I checked my statement the Deferred Payment Interest had been charged to my account. I immediately called CS to request that the charge be waived. The agent put me on hold twice to confirm the situation and conferred with her supervisor to approve the waiver. Later that day, I received email confirmation of the waiver of deferred interest and when I checked my account today was able to confirm that the deferred interest had been reversed. All in all, my experience with Dell Financial Services Customer Service by phone has been positive and I have gotten the results I hoped to achieve. As noted above, I believe that times have changed at Dell and they are listening.

Weeks later I received a letter (1/23/17) briefly stating the investigation had been "completed", and the claim was not accepted due to "We could not verify your claim". No name, no contact information, no help. So I had to make another phone call from my personal notes, utilizing the previously mentioned new number. I spent more time on hold, more explaining to service members that I cannot fully access this account due to it NOT being MY account. More transfers to other departments/service members where I experienced the same communication issues, the same questions, the same inability to help me or answer any questions. Very unprofessional, and infuriating experience, but I persevered and stayed calm. I was ensured it was being addressed, conversation ended at nearly 2 hours on the phone.

Nothing more from Dell Financial until another letter 2 weeks later (2/6/17) with information on how to address my identity theft in ways I had already not only addressed, but had closed out with every other financial institution! Closed out easily, and pleasantly, with one (1) phone call typically lasting about 10-30 minutes, and then within a week receiving copies of letters sent out retracting the credit checks from all 3 credit bureaus. Simple, yet somehow Dell was unable to perform at their level of professionalism. Multiple phone calls later, getting continually more frustrated at having to reach out, not getting any return calls, and not getting anywhere with the phone communications, being on hold for extended amounts of time, being told that they don't have access to my account information, etc. Spending HOURS more of my time, wasted.

On 3/7/17, after weeks of hearing nothing from Dell, I received another letter that again denied my claim of this account being fraudulent - exactly the same form letter as previously received with no real information or contact numbers/names... again, zero help. I called, again, was on hold for an extended amount of time, again, and after the first service member could not help me (as expected, again) I firmly, and admittedly I am sure I must have sounded harsh being very upset, I told the service member to transfer me to a Manager. On hold for another 15 minutes. Manager came on and it was the same conversation complete inability to provide Service of any sort, apologizing and condescending "I understand sir" over and over, but unable to DO anything. He proceeded to pawn me off on another service member that is and supposedly has been managing my account investigation.

I very nearly completely lost all of what composure I had left at that time. I (very) firmly requested that I be contacted the following day by the service person managing my fraud claim and hung up. Surprise, then next day, No phone call, nothing. This level of mismanagement of fraud is ridiculous. It is the most horrible customer service I've had the displeasure of dealing with. I will be posting the above statements in every public form available, and reporting Dell Financial to the BBB and FTC as soon as I am able. This lender sounds and feels like a shady scam outfit. I would highly recommend NEVER doing business, of any sort, with Dell Financial and I will be sure to get this warning out to as many as possible. This is just a start!

After 20 mins of speaking to a rep and another 20 mins to a manager and still no account number, I just hung up. They said they had called me previously about the overdue account, but my phone has no such record of that, nor any "email" since that is what my preferences apparently were set to. The overdue fee is only $27. Horrible customer service. Lesson learned. I'll never deal with Dell Financial Services again.

I also asked for identifying numbers and was given her badge # as well as her name. I called back the Financial Services # and provided that badge number and the same woman answered the call so it was not the typical hide and seek you normally expect from Dell call centers. My recommendation: Skip the rep and insist on a supervisor. Listen to the rep and then still insist on the supervisor. Ask for phone #'s with extensions (not dept #). When aren't able to provide it ask them how you are suppose to hold them accountable if they insulate themselves from their own incompetence. Insist on the Supervisor again.

When the Supervisor gets on the phone read your phone log of complaints you have filed, who you spoke to and what you were promised that never materialized. Once they realize you have complete documentation of dates, times and names they usually bend. Make sure to take down the Supervisor's badge number. Ask for an email copy of the resolved account for your records. I hope this helps someone besides me.

I call to provide whatever information is needed. Shortly after verifying I'm told that my order cannot be released due to my provided information and public information not matching. I asked what information is missing or incorrect. They can't tell me. I asked if it's possible there was a mistake taking my information. They can't tell me. I asked how do I rectify the issue so my order can be released. After some back and forth I was provided with a number to Experian.

I followed up with Experian checked my report and my information and opened it up online. I called back DFS, prepared to retry to get my order released. With my report open and DFS on the line, I was now told my account was in some management verification process. How long does that take? They don't know. I asked to speak to a manager, this person doesn't know anything either.

Frustrated I decided DFS is toxic, and decided to call Dell back and change my payment choice. Upon re-ordering I called DFS to cancel my DPA, to which I was told my account would be cancelled upon verification of my account. WHAT? The same reason why my order was on hold/cancelled is the same reason why I can't have it closed? I asked to speak to a manager again, to which I was given the same brick wall. Do NOT use Dell Financial Services, no matter how convenient it appears.

Dell finance and customer service is run by thieves and bad guys in a country that hates Americans. WARNING: DO NOT BUY ANYTHING FROM DELL! Unless you want to experience hell on earth and get inferior products that push adware in their back end and blow nothing but smoke up your bum and steal your money when you need support. Dell was once a great company. They are now complete and utter scam garbage. Don't make my mistake!

On each of the numerous calls, account number, email address, & phone numbers were confirmed. Each time it took about 1 hour, sometimes longer, to get to a "person" who could & did make the above statements. This is the worst customer service department ever dealt with. They are holding the $1500 owed, and still sending bills!!!

After my account was compromised (which I firmly believe was committed by Dell employees -- more on that later), I received a new account number. I unfortunately, did not think to go into my Navy Federal Credit Union (NFCU) Bill Pay and enter the new account number (it would have been very helpful, had the Dell employee I was dealing with, reminded me to do so). I then made two payments to my Dell account, in which were sent under my original, but cancelled account number; the first being on 6/2/2016, in the amount of $100.00, and the second, made on 6/24/2016, in the amount of $250.00. I then also made a third payment to Dell in the amount of $200.00 on 7/21/2016 but under my new account number.

It came to my attention in July that my payments on 6/2 and 6/24 had not been credited to my account. So I called Dell Financial Services toll-free number, which landed me with "Silvia" in Dell's Financial Department in the Philippines. Silvia stated that Dell had no information on file regarding no only those two payments, which I found to be incredulous, as I had previously sent another biller payment on a closed account number in the past, and there were no problems.

The company sent me a letter notifying me of the problem, so I could quickly rectify the situation. But Silvia insisted that Dell had no information about these two payments, and the only way to resolve them, was to have NFCU send information to Dell. So I immediately called NFCU, and the representative was extremely helpful, and she immediately faxed the documents for the two payments to Dell. In the meantime, Silvia stated that she would call me in 2 to 5 business days, as it would take Dell that long to process the payments. In the meantime, I made a third payment to Dell in the amount of $200.00 on 7/21.

Silvia did indeed call me back a few days later (7/25), and she stated that Dell received my payment of $250.00 made on 7/21, and further stated that it would take Dell ten (10) working days for their Cash Department to credit the $250.00, which I again found to be incredulous. I also informed her that I had made a payment in the amount of $200.00 on 7/21 and that that payment had indeed been processed by NFCU on 7/21, but per the automatic voice message I received from Dell, it still showed that my account was overdue, which greatly distressed and concerned me.

After some time, Sylvia finally admitted that Dell had indeed received that payment, but again, it would take 10 business days to process, once Dells Cash Department provided her with that information. I have NEVER encountered any biller that took 10 days to process a payment I made on a bill. Almost all billers immediately update their records the very next day after receipt of payment. I do have two (2) billers that do take an extra day to do so, but that is all. Again, NEVER has any biller required 10 business days to process a payment. This clearly shows dishonesty and unscrupulous conduct on the part of Dell Financial Services.

Sylvia was summing up my situation and very much wanting to end our conversation when I had to quite forcibly and firmly remind her that there was also still the matter of the outstanding payment of $100.00 I made on 6/2. Silvia stated that Dell never received that information from NFCU, which I knew to be a lie. So I called NFCU and informed them of the situation, and requested that they resend the information on my $100.00 payment made on 6/2.

The representative I spoke with was very adamant that she had indeed sent information on both payments, and had received fax confirmation that all documents were successfully sent to Dell. She therefore stated that because there was obviously a problem with Dell, she would have to send me the document for the 6/2 payment, and I would have to provide it to Dell, which I reluctantly agreed to do. She immediately sent the document to my e-mail address as an attachment to her e-mail. I immediately printed off the document, then went to Kinko's the next morning (7/28) and faxed the document to Dell's official fax number (512-283-2664). I received a fax confirmation that my fax was successfully transmitted.

In the meantime, Dell shut me out of my online Dell account, so I could not go in and see what payment information was on file for me. At first I got a message that stated there was technical difficulties, then I received a message that my account was locked up. I cannot emphasize enough that I DID NOT do anything myself, such as incorrectly typing my Dell password, thereby triggering the system to lock me out. I am too exacting of a typist, and I have very keen attention to detail, so I NEVER get locked out of any of my many online accounts or screen names to ANY Website! I am still shut out of my Dell account. Meanwhile I made another payment to my Dell account in the amount of $1,500 on 7/28, and yet another payment on 8/1, in the amount of $250.00, which should pretty much pay off my remaining balance from Dell. But I cannot tell for certain, as I again, cannot access my online Dell account.

Sylvia called me again yesterday (8/1), and joyfully stated that she had the information on the two payment I made on 6/24, in the amount of $250.00, and also the payment I made on 7/21, in the amount of $200.00. She was trying to quickly end the call when I abruptly told her that there was still the issue of the payment I made on 6/2, in the amount of $100.00, and inquired about it to her. She stated that Dell still did not have any information on that payment. That's when I really began to talk very forcefully, very deliberately, and very assuredly that her statement was an outright lie, because I personally faxed the document to Dell on 7/28, and received a fax confirmation sheet, which I still hold.

I then went on to berate her on Dell's incredibly dishonest and deceitful practices, and I asked her if Dell was a professional company or just a rabble of hoodlums. But that was a rhetorical question, so I did not bother giving her time to reply. But once I had thoroughly given Sylvia a much-needed tongue-lashing, she finally admitted that Dell had indeed received my faxed document, but again, it would take their Cash Department 10 working days to process it. In the meantime, she admitted that my account was still listed as being overdue. I relayed to Sylvia my concern that Dell's false information would be detrimental to my credit rating. Sylvia apologized for the inconvenience, which I found to be very patronizing and very insincere.

After having been on the phone with Sylvia for quite some time, most of which was spent on my having to get the truth out of her, and my subsequent railing against Dell's highly dishonest and unethical practices, she stated that she would call me back in three to five (3 to 5) business days, which did not allay my anger and frustration.

After I had finished my conversation with Sylvia, it finally dawned on me exactly what was transpiring with Dell Financial Services Division in the Philippines. What Dell is doing in the Philippines is intentionally siphoning off money from people's Dell accounts and keeping it for themselves. That is why Sylvia falsely stated that Dell did not have any information on file for the two payments I made on 6/2 and 6/24. Of course they did! Just because it was made to my former account number, does not mean that my payments completely vanished into thin air. Again, I know this, because it has happened with other creditors of mine when my account number was changed. They informed me that they received the payment, but reminded me to send my next payment using my new account number.

Monies do not simply vanish in a professional business computer system. They land in the computer system but are listed under the former account number, which the company immediately addresses. Siphoning off the payments I made to Dell on 6/2 and 6/24 is exactly what the Dell staff in the Philippines did. That is why I have been put through a lot of undue stress, when they repeatedly stated they did not have the information on the payments I made, as well as setting up a new requirement that all payments I made to Dell would take an absolute ridiculous 10 business days to process by Dell's Cash Department in the Philippines, until it could be credited to my account. The 10 days would give the crooks and thieves in the Philippines time to come up with the money (probably from someone else's account) they took from my account, and finally be able to correctly credit it to my account.

Now, on to the subject of why I believe it was Dell employees who were responsible for my Dell account being hacked in March, in which a Samsung TV was purchased in excess of $2,000, and sent to South Carolina. Very soon after I purchased my Dell computer system (which is the reason for my debt to Dell), I began to get calls from the same person in India who sold me my computer. He was telling me that I still had over $2,000 in available credit with Dell (which, of course, I already knew) and that I should think about purchasing other Dell products, such as a TV or tablets.

Of all the creditors I have ever had, I have NEVER had any one of them call me and badger me into making further purchases on my existing account. Nobody does that! Well, nobody except for Dell overseas employees. So I think this guy made the illegal purchase on my Dell account and had the Samsung TV sent to acquaintances of his. Acquaintances that could not be readily traced back to him. How else did somebody obtain solely my Dell information and made illegal purchases from it?

The bottom line is that Dell has a serious problem with its overseas outsourcing of both its Products Department (or whatever they call themselves), as well as Dell Financial Services. There is obviously a lot of nefarious activities going on, and Dell executives probably don't care a bit about it, as long as it does not affect their bottom line.

What I want to see get resolved and resolved quickly, is for my payments to my Dell account to be fully credited and in a timely manner; not the 10 business days that the Dell employees in the Philippines are telling me it takes to do so. And any future payments I may still have with Dell also be credited in a timely manner. And finally, I want my personal Dell account to be unfrozen, so I can view my account and personally see what payments have or have not been credited to my account. And I want to be assured by Dell executives that I will not encounter any of the problems I have had with Dell at any point in the future. Of course, it is highly likely that once I have confirmation that my Dell account has been paid off in full, I will immediately close my Dell account and NEVER do business with Dell again!!!

Not acknowledging the customer's complaint is extremely rude and dismissive. I then explained to her the original reason I called in about, and multiple times she would interrupt and talk over me. I had to stop her several times so I could try and get my questions answered, and she responded by raising her voice and ordering me not to interrupt her. This was after she kept interrupting me, so apparently it was okay for her to do it. She also kept mispronouncing my name. After I corrected her, she immediately did it again while she was "apologizing" for doing it the first time. When I asked for her name, she rudely replied that she already gave it to me at the beginning of the call. Apparently she expects customers to remember her name, but can't be bothered to remember the customer's 1 second after they correct her pronunciation. My experience with Rachel badge ** was the worst experience I've ever had with a customer service agent.

I called today and the charge has been removed, however no one will explained what happened, or still have not received a letter. I called and this the operator kept saying something I already knew with no explanation. It took an angry tone to get an answer. As it turns out they "accidentally" charge someone else purchase to my account. This is ridiculous. With all the secure questions, verifications and ** somehow they manage to charge the wrong account. I think Dell makes fraudulent charges to people on their hope no one will contest it with their lack of support to make up for sales they do not have. It is ridiculous how many hoops you have to do for your security, when it is not secure at all.

I called Dell and spoke with someone in a foreign country who was unintelligible and not helpful. I sent emails. I explained that there was no rationale for closing my account as I had been a very good customer who always paid on time and I had no balance at present. I had always paid my balance in full. I sent emails. All I got were form letters that did not address the central question: why did they close my account? They told me I could reapply. Let me tell you, I was so insulted that I swore I would never buy another Dell product. I have since bought an HP and my daughter bought a Lenovo and when my wife replaces her aging Dell XPS it will not be with a Dell product. People used to ask me for suggestions about computers and I always enthusiastically promoted Dell. Now I tell them to stay away from Dell. I have seven siblings and many nieces and nephews and in-laws, and they all know how I feel about Dell. As do my coworkers.

There once was something called customer satisfaction and appreciation for customer loyalty. It is now my fervent hope that Dell is driven out of business for outsourcing all their customer service to foreign countries just to pad their bottom line. I can see from this forum that my experience is not an isolated or unusual event. Michael Dell has made his millions, if not billions, and now he's content to let the customers be hung out to dry. Dell continues to send me promotional flyers. They go right into the shredder.

I received the merchandise on the Dec 22nd and returned it to Dell on January 4th. It was received by your shipping department on January 5th. It is now February 16th, and no one can tell me why my account has not been credited for this return to my DELL PREFERRED ACCOUNT. The last conversation I had with customer service on Feb 5th. I was told by your representative Bob in the Philippines Badge #**, this matter would be resolved and credited back to my account.

Today, I received an email from ** stating my current balance is $710.92. It prompted me to contact your customer service department again today. I spoke with August and he confirmed the merchandise was received by Dell but was unable to tell me why the credit is still pending. He transferred me to his Supervisor Joanie, in the Philippines Badge #**. She was unable to tell why it was not credited back to my account. She said it would take her 3-5 business days to research it.

My account is now of course accruing interest. Maybe you can explain the return policy for Dell. Why has it taken them more than 45 days to issue a credit to my account. I know why Dell account was debited as soon as the merchandise is shipped. I am wondering why these standards are not the same with returning merchandise. I would appreciate someone contacting me, to let me know the credit has been issued to my account.

So again I will tell you to never ever ever never use Dell Financial Services. I am a person who pays my bills and just made a 100 payment so I am not a low life. I have tried every avenue possible to resolve my problem: Twitter, email, phone, Facebook, etc. I even went as far as writing an email to their charity to try to have Michael Dell call me and get a taste of how his business was being run. Apparently he could care less because I am always told I can't talk to him or even a manager lower on the totem pole. Guess that is because the people who should lose their jobs are trying to keep it in the dark.

Needless to say, I never gave them anything. I eventually called Dell, directly to find out what they wanted. Apparently my account was overdue, as the rep who set up my automatic withdrawals deleted that option. Nice. The rep apologized, and asked for an immediate payment to settle the outstanding amount, and told me that future payments will be made through auto withdrawals. Guess what? Another call from Dell Financial in November, with the same stupid intro. I checked my account, and hey, no auto withdrawals. Absolute incompetence. If I could give 0 stars I would. Beware.

However, my loyalty to Dell began waning when I purchased a Dell laptop in May 2015, financed through Dell Financial Services. This is the 3rd computer I have purchased from Dell through DFS. I chose to participate in the Credit Protection Plan that DFS offered, and on May 28, 2015, received documentation online from DFS together with my credit approval that the CPP enrollment had been submitted and would be completed when I clicked on the "Open Account" link, which I did.

Afterward, I received a letter from the Dell Preferred Account Plan Administrator, dated June 1, 2015, congratulating me on my enrollment in the CPP. With the letter was the CPP Agreement Amendment to my Accountholder Agreement and a Summary of Dell Preferred Account CPP Benefits. One of the benefits listed was for Disability, which would pay the minimum payment on my account for 3-24 months.

On June 2, 2015, I received an email saying that my enrollment in the plan was invalid because my DFS account was "precluded from any purchase activity at this time". It listed a phone number at DFS to call if I had questions, which I called and was assured that there was no problem with my account. I was told to call CPP and give them both a DFS phone number to call for verification of account status and a verification reference number for my DFS account. I then called CPP and gave them that information and was told that would correct the matter.

On July 15, 2015, I had to go on SSA Disability so I contacted CPP to file a claim and was informed that my plan was invalid and I was ineligible for benefits. To make a very long story short, I talked to a host of different people at both DFS and CPP, including supervisors, to NO avail. I spent literally hours & hours in Dell Hell and spoke to no one who would admit that there had been a mistake made (one person at CPP said that it was an automated signal from DFS that invalidated my account, therefore they had NO responsibility in the matter). Even though DFS said at no time was I "precluded" from making purchases on my account and they saw no record of such being sent to CPP. At least they initiated the conference call so they could verbally confirm with CPP that my account had always been in good standing and my plan should be valid. I told them on the call that I would gladly pay any legitimate unpaid premiums.

It's just unbelievable that despite all the evidence produced, CPP would still not validate my Credit Protection Plan. The plan also included "valuable property coverage for your personal property purchased on your Dell Preferred Account" and also would have been useful when I had to send my 6 WEEK OLD laptop back for repairs. That's right - the computer doesn't even work right! I need a break from these payments right now while I am reorganizing my finances to live on disability. It is infuriating to not be able to utilize the protection plan due to a COMPUTER glitch that no HUMAN BEING at Dell is willing rectify.

Also, those of you looking to build credit, DO NOT try to do that with this company. The Dell preferred account is more like a credit card than a loan. Therefore you need to stay under 30% utilization in order to maintain a good credit score. If you do something like me getting approved for $1500 and using $1400 your credit score could take a dive up to 80-100 points pending other open account utilization. Once I get this paid off I'm closing the account and taking a small hit with my credit score today instead of a larger one tomorrow. I would strongly recommend others in a similar situation do the same.

I do understand that my credit rating had a mark on it from an unscrupulous orthotics company (they were trying to extort money from me 3 years after purchasing orthotics from them). I know Dell has policies regarding credit ratings and sales even though the item's cost would simply have gone onto an existing account that had lots of $$ room on it.

What bothers me is that I'm a good repeat customer that has never missed any payments whatsoever, have a 99.9% clean credit rating and still get treated like ** by their finance company for attempting to purchase $225 worth of ram for my computer. I told them I was disgusted by the intrusiveness of their request. That's a lot of personal information to be sending anywhere via email.

I cancelled the last order, and ironically enough just got the exact same memory for half the price elsewhere. My biggest frustration is finding out how to let Dell know that I did so and that they just lost a sale and one of their bigger customers. Any attempt to contact them to let them know ends up in an call center somewhere in India and just gets lost there. It's like talking to a wall, getting forwarded from one call centre person to another. What a waste of time. It's exasperating. They've slapped me in the face for the last time.

Uncaring rep tells me there is nothing he can do because they do not process on the weekends so our payment did not post until Monday. He then adds that and because of that you are also being charged a late fee and because you paid late by our system you lost your 0% financing and if you attempt to pay off early you will be charged a 50% early interest payment fee pay off. Are you ** kidding me? So I can be told and show it was paid on time on the correct date their system says it was paid but because it was a weekend and or holiday their system did not show the payment until after the damn date! I want my money back. I want my original agreement honored as it should be and a letter of apology and fix to the first negative hit on my credit caused by your crap ** company Dell.

So after storing their merchandise for 113 days, they were going to send us UPS return labels and the bill would be erased. They did finally come and get the merchandise (we have an outstanding bill for $12,150.00 for storage) and they still are sending me bills for the lease that I never agreed to. And Dell has sent me a notice that they consider the case closed.

I opened a Dell Financial account to buy my brother's computer. I used my parents' home as my billing address because I was between addresses at the time. I bought the system. Then some days later I called them to update the address. They told me I couldn't. I couldn't pay the bill on the automated phone system because about 10 years ago I had another Dell Financial account that I later closed, and when I tried paying by phone, it would tell me that I needed my account number to access my account. I called Dell again to ask them my account number, as I hadn't received the bill yet. They told me I couldn't have it. I asked if I could change my address, but they said the bill was already sent out and they couldn't send me another bill until the new cycle. I went home at one point (my parents live 5 hours away) and tried looking for the bill, but never found it.

I called Dell again and explained that I was trying to make this payment for a month and couldn't due to what I've described above. They said the bill was already 1 day late. They re-sent the bill to my address since this was a new cycle. Once I received the bill, I paid it immediately in full, but left off the $5 interest charge that accrued. Called Dell Financial again. Spent an hour explaining on the situation on the phone. After the first 20 minutes I was so irritated - I refused to give up. Talked to about 5 people. Said the same thing. Finally got the charge removed. Would not recommend Dell Financial - bad customer service.

Dell, your mistake is costing me time and money. I will tell as many people as possible about this because your "customer care specialist" are worthless.... I do not wish this on anyone. Dell, do you know how hard it is to express this much frustration and anger without swear words?

It went to collections and the collector said they didn't care if I was on disability, that they would just go ahead and garnish my disability check until it was paid off. That's when I stopped even trying to work with them after they tried to scare me. With the late fees and interest rate as high as it is the debt is now $4,650.93. I'm now being sued for the debt. I have to go to pre-trial conference and possible mediation - OUTRAGEOUS. I can't afford a lawyer at all - my nerves are shot. BEWARE!!!

I then called Dell and explained the situation and was told they could only give me a one time reversal on one late fee, that I should not have been charged. I told them that they owed me more late fee reversals. They said that they cannot do that. Basically Dell is penalizing customers for paying early. They are stealing money straight from the consumers pocket. It's Hell not Dell!!!!

I am asking you to check into this and make them cancel this service charge that they place on me because this is something that they did. Out of pure despite. I have been having problems with Dell ever since I been doing business with them and I want somebody to do something about them ripping people off out of their money. This company is very crooked. I have been a very good customer to them and they keep adding charges to my account. The number that I provided below is a customer number. If you need another number please let me know. I am really tired of Dell ripping me off for money.

My e-mail address is: **. They took the internet off the computer in order to make me pay them $239.00 for something that they did. This is the way they tried to get back at me for not paying something that they made up to keep me paying them. I never want to do business with them again because they are too crooked. I am pretty sure that other people are having problems with them also. Thank you for your cooperation.

The ineptness of the people in customer service is frightening. We are going to pay the disputed amount and cancel the account out and they just lost a lot of business. I am also sending a formal letter to Dell Financial Services as well to outline the details but suffice to say unless you have more patience and time than I, DO NOT USE their services. If I did not already have 4 Dell servers in house I think I would never buy another Dell product again. Hopefully this will stop another person or company from having to go thru the agonizing process of trying to get any customer satisfaction, billing resolution, or even adequate customer service from Dell Financial Services.

One and a half weeks later I received an ebill which had a password which was last four of my phone no. and my zip code. I entered three combinations of current and past phone numbers and zip codes over the last 10 years. None of them worked. Dell Financial Services also is not open on the weekends so it took me hours to get someone on the phone who would help me pay my bill. It was an experience that I will never repeat. I had always been a loyal Dell customer but no more. It's sad that they showed such incompetence and disregard for a loyal paying customer.

After making several BBB complaints because Dell was charging me 24% interest rate for regular plan and then another 24% for something else on top of that they would charge me late fees $35.00, interest $11.32, interest again $53.86 + $35.00 late fee, total $110.00 every month increasing my balance dramatically. After my second BBB complaint, I spoke with a Dell who talked me into paying the same amount with an interest rate of 6% total. I have been paying $100.00. Dell closed out my account dropping my credit score. As agreed I paid Dell in July 2013. They reported me late to the credit bureaus! On April, May, June and July 2013, they have reported me late when I made payments each month same amount on time.

On August 2013 after making an agreement of $60.00 payment, they removed from my checking account $388.00 without my consent. I notified Dell. They returned $328.00 minus monthly payment. Dell will pick and choose when they want to report one late just because. I have someone contact the credit bureau who stated to contact the creditor. The laptop I last purchased was a piece of junk, hinges broke after 8 months and the thin cheap plastic cover broke! It was a studio junk.

I then got to the point where I couldn't make my payments and they then told me that they had a program that could help with my monthly payments. WHAT!? It is now 2013 and I still have a balance of $1894 and it is steadily climbing. I feel like I'm getting robbed. Here I am a single mother trying her best to get ahead and something is always pulling me back. To anyone trying to get a Dell... BEWARE!

Have 3 years lease for workstation that about to end and last 2 years monthly payments were sent from same bank using online bill pay to same account and address at Dell Financial Services (DFS) according to contract. Last 3 months I noticed my balance is getting bigger according to paper bill from DFS. I went to my bank, verified that all payments were sent and cleared, so I requested investigation asking my bank to get proof from DFS about received payments.

DFS responded to my bank that they did in fact received payments. My bank sent me message clarifying DFS respond about each payment in question: "Your payee (DFS) stated that this payment was submitted with an incorrect account number and to an incorrect address. If you have not already done so, please delete this payee and add a new payee with the correct account number and address before scheduling future payments. This information can be found on the most recent billing statement."

Next is interesting: I called my bank and with banker went through last 3 paper bills from DFS verifying and comparing address and account number in paper bill and online bill pay - absolutely identical. So, what we got? 1) Payments address and lease account at DFS has never been changed for duration of lease - paper bills are proof of that; 2) my bank sending payments to correct address and correct account according to DFS paper bill; 3) these payments received and cashed by DFS - they not returned back (as DFS stated to my bank that payments were sent to wrong address and wrong account...) or re-applied to correct account either; 4) I am, as DFS customer, never being notified payments not coming through.

Questions are: Why DFS does not return payments that to wrong address and account within their organization? Why DFS does not re-apply payments according to paper bill? Who is cashing payments that sent exactly to address and account per DFS paper bill?

It's a scam on their part. Now my account is past due $66.00. So I asked, "What is remaining on my principal?" - Nothing; it all stems from the interest. Their bill is not set up to state, "If you pay by this date, this is what the incurred interest would be." It would make it easier for the customer to know what is required to be paid at certain times during the month. My other vendors provide that detail for me. The charges to my account are based off the incurred interest for those 15 days and late fees tacked on top of that. I am fighting this to the end against Dell and I'm going to expose them for their fraudulent behavior.

If you check the internet, you will find thousands of similar incidents and literally hundreds of settlements against Dell, DFS, and Midland. This really smacks of a company desperate for revenue. Until I did a search, I had no idea how longstanding these issues were with Dell. State DAs winning class action suits and getting consent agreements is a real warning sign for anybody funding the cash for Dell going private. Any potential investors and Dell computer buyers, Caveat Emptor!

So, I told them that it is not right! I would like to have a say in how my over the minimum payment is applied to my bill. They told me that it is possible to have my over payment applied to the promo, but I have to call a few days after each monthly payment is received to ask them to apply it the sensible way! They can’t set it up to do this automatically. So now I have to call them after making each and every payment. This is nuts. So that’s what I have to do from now on. This does not help me now because they slapped my account with hundreds of dollars of back interest that I feel should not be charged as I sent in enough money to pay off the no-interest purchase before the promo period expired. So what is the point in buying a no-interest for a year PC if they are going to bill you the interest anyway if you have a previous account balance? This is not right.

So, I checked my email only to find a letter from Dell stating this, "Our records do not indicate the account terms and conditions were accepted." I was furious knowing fully well that the order would not have gone through any other way had I not agreed to the terms. So this company, on the date I was to receive the merchandise, never sent the merchandise and decided to share the reason only on the day I was to get the order. I am so angry right now. I have all the information in my email account concerning this whole unprofessional incident. But I just don't know what I want to do. I'm too angry right now.

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.

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 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.

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?

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.

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 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'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.

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!

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'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 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.

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.

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.

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 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.

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 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.

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!

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.

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?

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.

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.

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?!

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.

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.

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!

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.

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.

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!

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.

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 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.

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!

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.

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.

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 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.

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 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!

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?

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 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!

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.