Dell Finance Reviews

I spoke to Dell on numerous occasions, many of which were due to harassing phone calls for bill payment. When I spoke of my situation over a year ago, no offer of any hardship program was given to me, no matter how much I pleaded. I paid my bills but late every month. Even though I kept in touch, they sent me to collections. My account went through several collection agencies. By that time, Dell's lack of understanding with me and my attempts to make payment arrangements ruined my credit. All of my other creditors were able to work with me. I don't know why they are so different.

Finally, after the collections agency began harassing me on a regular basis and many attempts to contact Dell about this, I was able to reach their hardship department with Dell Financial. They apologized profusely about the situation with the credit agency and took my account back with a hardship program. This still doesn't fix the problems with my credit all of this has caused. If they had done this for me a year ago when I told them there was a problem, I wouldn't be in such a horrible situation.

Now, I have a computer that the hard drive has crashed on, and that is less than 3 years old. I purchased it for $1,424.20 and have paid $1,344.75 on the account to date. I owe only $129.45 on the original price of the computer. My account balance, because of Dell Financial's way of doing business and the very high interest rates, is now $2,766.39. Not to mention, this balance is on a computer that is dead! Because I couldn't afford a warranty to extend after the first year, Dell stated they couldn't help me with the crashed hard drive without paying for technical support.

I am having a hard enough time as it is! The fact that the computer is dead is not even an issue for me anymore, as there is nothing I can do about it. The fact that I still owe $2766.39 on a computer that I purchased less than three years ago for $1,474.20 and have already been close to paid as much as the original purchase price makes me absolutely livid!

I need assistance. I don't feel I should pay any more money for this computer other than what is left on the original purchase price. Dell did not work with me when I tried to tell them there were payment problems until it was too late. I also asked them to mail me an itemized statement of my account nearly two weeks ago that they said they were putting in the mail, and it still has not arrived. I have also tried to call Dell Financial numerous times over the past week with very long hold times, resulting in disconnection of my calls. And now this morning, I got to the department I need and I got a message stating "The department you are trying to reach is in a meeting. Please call back in 2 hours!" with no ability to leave anyone a message. This is frustrating, and I can't take any more of it.

I feel I was scammed by the salesperson. I called to resolve this issue to pay the balance I owed on the computer and for them to drop the additional $400 due to false information I was told. I specifically said I wanted to purchase the computer. First of all, I was given false information about my computer purchase. Second of all, who really determines the fair market value of the computer? I asked Dell if they were willing to lose a client over this scam and they were. They would not correct this problem. I am appalled. I am only willing to pay for the balance I agreed upon to pay for my computer.

Then last week, I got a bill from a credit agency stating the account was being turned over to them for collection. I was furious and called the collection agency immediately. They do not know what the bill is for. I explained our luck with phone calls to India to agents who do not speak English in trying to straighten this all out. This is so difficult to deal with and if I could afford it, a lawyer would be the one to contact the credit agency so this phony bill of $650 would not go against my credit. Buying from what I always thought was one of the best companies has been nothing but a nightmare and it isn't over yet. I will never buy one thing from anyone again who is associated with Dell.

I then purchased a Sony laptop paying cash. There were some extra charges on my account that were finally credited back to me after a month of hassles and phone disconnections from their international customer service (India). I started receiving monthly charges from Dell's credit card protection services. I had no idea that I had a credit card protection account. After many frustrating calls, they finally canceled my protection plan account but refused to credit back the previous late fees and monthly charges on a balance that was finally credited back to me by Dell.

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

Eventually they just cancelled the order without notifying me. They have been sending me invoices for the amount due for the past 6 months. I have contacted them (by phone and e-mail) at least 10 times to explain that I never got the order. The Financial Services people say they can't do anything - I need to call customer service. The Customer Service people say they can't do anything - I need to call Financial Services. Needless to say, I have paid and now they have filed a claim with a credit bureau (for $26). I have all the records and have to explain to them each time what's going on because they don't have a clue. I'm not paying for their mistake. Next step for me is the Better Business Bureau and a lawyer. I now believe that incompetency is the foundation of Dell's business model. I can't believe they can afford to lose customers like me with such poor performance on their part.

I looked into it and that was when I noticed they had raised my interest rate from 24% to $29% and I also noticed the attached late fees when payments were not late. Each time I ask to speak to someone from billing, they don't deal with that and it's always a different department. They give me a number to call and lo and behold, I can never get a live voice. All I get is an automated line stating press 1 for account balance, etc. I have attempted to press "0" for a live person, but it will never connect. Heed my warning, everyone: never buy anything from Dell.

I have been receiving collection calls from Dell, sometimes 6 times a day. I just talked with Dell and it is not their department... that they can only see the purchase in April and that I am overdue, and why am I not paying them, they asked. After 10 minutes, the phone disconnected and they didn't even return my call. They have all contact info for me. I have had all the fun I can stand here. Although I like the computer, I doubt I will ever deal with Dell again.

I wish you would indicate this in your reports. I have been a CU member since about 1938 or so.

Meanwhile, I changed my address and updated my address with them (which they never did - so I stopped getting any more statements from them- see below for their promptness in updating info) Suddenly, I think almost after 3 years, I got a call from a collection agency saying that I owe DFS over $200. Only then I found out what had happened to my account, the amount they had told me over the phone was falling short of the total value of the laptop by something like $55 or $60. I paid a portion of the remaining amount which was left over for the laptop (the Dell guys do amazing Math). Additionally, the time was not 2 years as they had told me and calculated the monthly payments for -- it was 1 1/2 years and so interest and penalties were levied at that time totaling over $200.

After calling and spending more than 3 hours on the phone, I got one decent guy from DFS who was willing to look into the problem. Brad gave me his personal extension number and told me he will get back to me after reviewing the old documents since there was clearly an error somewhere. By this time I had changed my address with DFS 3 times and still Brad told me they were sending the details to my older address - he finally managed to change the address at this time. Unfortunately, when I tried to contact Brad at his extension again, after some time had elapsed (and I got no call), the name in the voice mail went to someone else. I left a message - but no response.

At this point I called some more to try get some info and finally gave up, since I wasn't getting any call back/info from them. Now I get a call from another collection agency/attorneys saying that I owe them $575 for breach of contract, etc., and willing to settle for $475. I am outraged by their attitude and ethics. This guy from the collection agency/attorney said it was probably their fault and was willing to reduce $100 and settle for $475 instead. I have no idea why I should pay for the collective mistakes of DFS. First, their employee set up a wrong monthly payment for me and they never updated my address even after repeatedly calling them so I never got any idea of my account till last January.

They refused to stop escalating charges/get back with any reasonable information about what was going on to resolve the issue. Whenever I talked to them, they kept saying that I owe that money and I have to pay it! I even offered to buy a new laptop from them that will cover the money I owe them (I do like their hardware, unfortunately). There is nil after-service, or customer service after getting the money. I pay monthly bills larger than the laptop and I find it outrageous that I should pay them for their mistake. I now know how this country is in such deep problems - thanks to unethical business practices aimed at making money through devious means.

If someone from Dell was/is willing to listen to the customer and do something about it, this could have been avoided and they might not have lost not just one customer. But I am going to petition my friends and former corporate (university) employer to stop buying from Dell. Incidentally, I was instrumental in getting them to get computers from Dell for the past 6 years I was with them. Their business ethics are extremely devious and fraudulent.

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

In having a conversation with many of the folks, who, for some reason, don't know what they are talking about. I was still receiving the run-around with the company. Finally giving up after 6-8-09 and knowing that the company would still give me the run-around with the unit. Forking out $1400 for the unit and it is still not working. And have wanted to return the unit back to Dell for a replacement or the charges taken off the account. Right now, I'm at a loss as what to do at this time. Here are the following express codes, as the many times that I have dealt with these folks at Dell.

It is in my understanding that the company uses refurbished parts, which is the most of the cause with many of their defected products, and with the many unqualified person who are underpaid, with no training when it comes with computers or any other products that is made or supposed to be made. I would consider this action of theirs as a violation and a breach of their contract with their customers.

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

Since this has occurred, my wife has been diagnosed with type 1 diabetes and we know have mounting medical bills. We have a car payment. All in all I will be debt free from the car and all the other credit card bills in about 2 more years at the current plan. Dell however, has turned a $1491.46 computer purchase on 02-12-07 into $2476.95. So, after 3 years I still owed them $1,000 more than the initial purchase amount. I need help badly! Is there anything I can do to stop them? I talked to them on 6/21 and after 3 years the best I can get them to do is lower the interest for 6 months to 9.9 %. But all this will do is enable me to lower the amount by around $250.00, after which the interest will again go up to the 22% it's at now and the same problem is likely to occur?

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

Well when it arrived, it was a totally different computer altogether but it has worked good for now! That was not the end of screw ups. It had been about a month and I noticed that 2 payments were coming out of my account for two different computers, so I tried getting answers from both Dell and Dell Financial. They both kept pointing the finger at each other so for about 6 months, I was forced to pay for a computer I no longer had. I finally had to stop all payments to get the right answers, which it did! Instead of getting all my money back for the other computer, they took it off the principal of the computer I had and told me that this would not affect my credit, which was flawless. But I just found out it did affect my credit and still, no one will answer my questions through Dell or Dell Financial. I'm still waiting.

In June 2009, I checked my annual credit report and so that I was$ 22 behind my payments at Dell. Immediately, I sent the payment via bill pay. I then called Dell to find out why I was never advised of the late payment. This is where my nightmare begun. The sales rep did not update my info as requested and Dell still had my old info. I then told them that I had moved. I told Dell that I had sent the payment even though they did not contact me as required by law and all I wanted was for them to remove that late payment from my credit report. They refused and said that it was not their job to contact me nor update my info.

Dell is ridiculous. When you call, they take you through all these prompts. I got hanged up on 3 times by the reps in India. And after holding for one hour when I requested to speak to a manager, this rep by the name of Priya told me that none was available and hanged up on me. Putting this adverse info on my credit is going to result in higher interest rate.

When I recently (6/12/09) purchased an accessory from Dell, I was asked if I wanted to place it on my DFS account. Before I agreed, I asked the sales agent why I had not yet received a statement as yet. She again assured me that it could take a while. She asked me for my DFS account number so she could check my credit in my DFS account in order to charge the new purchase to the account. I told her I did not have a DFS account number as yet, and again repeated that I had not received any correspondence from DFS. "Not to worry," I was told it should arrive any day now. So in order to access my account, she needed my full Social Security Number and my mother's maiden name.

I reluctantly obliged (not wanting to give my whole SS number over the phone to a sales agent), but I also wanted information on my DFS account. The agent told me that giving that information was the only way they could access the account to give me that information and place the new charges on my account. She placed the new charges on my account and again told me that a statement should arrive soon. I was told nothing about late charges, but was told the accurate amount that my charges were--and only the charges. Unknown to me, there were also late fees and finance charges already accrued.

The very next day (a Saturday), I received an automated call informing me I was overdue on my DFS account and that I owed $67.14 in overdue fees and finance charges. This was my first notice of this and my very first communication of any kind from Dell Financial Services. I have disputed these charges and paid off my full balance for the purchases only (less the finance and late fee charges). I am awaiting resolution form DFS. I still have not received any monthly statements from DFS and was told I should check with my post office about missing mail.

I responded that it would be an incredible coincidence, with all the hundreds of pieces of official mail and bills each month that my husband and I have successfully received in the last 2 months via the US Postal Service for the 3 businesses we own and manage (we do not have online billing for our credit accounts), that the all 3 pieces of correspondence DFS says they send (a welcome package with my account information and 2 monthly bills) were the only bills the US Postal Service supposedly did not deliver. I am very eager to close my DFS account, but must wait for the resolution of these charges. I have no idea what this has done to my credit score as I have already been sent to collections by DFS. I do not know what effect closing this account will have on my credit score, but from what I have learned from others on the web, DFS does not resolve these issues easily. But I will take my consequences and close my DFS account ASAP.

I am beginning to feel that I will be paying for these stupid computers forever. I don't know where to turn. Someone please help. After 3 or 4 years, I am still making payments. I am making 100 dollar payments and it really doesn't appear to be going down. I will never go through this company again for anything.

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

Then the calls started coming, averaging 6 calls per day, for a year. I bought a phone line logger, and recorded many of them. One of the recordings was from Michael ** from Dell Financial Services, who agreed that I had a case, and they will close me out and not bother me, but the corporate office kept on hitting me with other bill collectors to this day, and my credit rating is tarnished by this one and only negative report on it. They are saying I now owe them $782.93.

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

On June 3, 2009, when calling 888-257-6372, I spoke with a Patrick who told me there was no record of the March 28 credit, but he was finally able to give me an Internet Confirmation Number authorizing the credit for the original amount of $129.00 as of June 3, but could do nothing about the subsequent late and finance charges and directed me to Dell Financial. I have also had multiple email correspondences to Customer Resolution with a Saranya, Senior Support Resolver from Dell Resolution Expert Team and Anton, also a Senior Support Resolver from Dell Resolution Expert Team with limited or no success. Finally, my daughter was able to get the finance charge and late fee for one month credited, but was duped into paying the June 2 charges with another credit card. We have been dealing with this issue far too long. It is a disgrace!

When I asked the Dell customer service why, I was informed that my account had been paid late from 2006 to date, only being paid on time when I made an additional payment to Dell separate from my ACCC payment. Despite my efforts to make sure you were paid, I have been charged an abundant amount for late fees, which in turn has caused my account balance to be more than what it was in 2006. I have paid my Dell account each month on time by the statement I had in December of 2006. My payment was dispersed to Dell from ACCC in check form the third day of each month by ACCC and credited to my Dell account on the 10th or 11th day of each month. I never knew the billing cycle of Dell, therefore I could have never known the correct due dates. Even if I had known, I could not change the dates that the money would be theirs to pay Dell. I am requesting that Dell remove all late fees and finance charges from my account from December 2006 to date. I could understand if my payments for the past two years were more than a month, but this was only days and I had never missed a payment.

Dell would not work with me anyway and continued to add interest from that time on. I felt I was fair to pay the balance in the same month that it had expired, but they would not agree. They sent the account to collections and I was harassed on a daily basis but no kind of agreement could be reached. I advised them that if they went to my credit report with this balance, I would not pay anymore. They did do this. I advised them that I would return the computer to them and they did not want that. Since this time, the computer has not worked and I cannot seem to get anyone who can repair it. I was told that we had at least a two-year warranty on the computer and it still won't work.

I called the number they gave me, and an automatic service asked me to enter my Customer No ID. So I did, and I was told (for 3 times) that they couldn't find it. So they put me with a live person. I gave them all the information (name, name of business, address, account no., telephone no, etc). I told them that I was required to confirm a purchase I just made and gave them the order number. They put me on hold for a period of 10 mins, and after that, the person came back and told me, in resume, that she was sorry but my account was on hold for verification purposes and that she could transfer to customer service so I can make other payments arrangements to buy the camera and that at the moment she couldn't give me any more information.

I insisted and asked her why if I made all my payments on time, etc. But I couldn't get an answer. I checked my e-mail and I even received a confirmation for my order, but when I logged into my account, there was no pending order. So I went and placed the order online and everything went through. I received the acknowledge e-mail and the confirmation e-mail, but that was it.

made another call to try to get more information, and they put me through 6 different departments and couldn't get any information. I believe I have the right to know the reason why my account has been blocked, since when and when it will be unblocked.

Then I lost my job and I got into a credit counseling agency so I could consolidate my debts. Suddenly, I received a bill from Dell for $900! They told me they don't recognize consolidation programs and that the amount they were paying was always late! Totally ridiculous. Needless to say, I now owe more money than when I got into the program. My credit is destroyed. Wall Street and politicians are blaming the American people for America's credit status, but it is these greedy financial institutions robbing us blind! I don't know what to do. I will probably end up going bankrupt along with everyone else I know.

Before the end of the month (August 2008) when my final payment was due, I had received a bill saying I owed them almost $600. No explanation! I called them and offered to pay a $25 late fee for being 3 days late, but I was informed that I now had to pay all of the deferred finance charges. I have refused to pay for 7 months. They have called me every day since last September. Some days they have called as many as 8 times a day. They have told me that my credit will be ruined, and they have now turned it over to a collection agency that has started calling me multiple times a day. I, who once held Dell in such high esteem, now despise them!

They call me 8 times a day and hang up. When I call them back to discuss the account, the minute they hear the account number they hang up. Now it's just plain harassment. They call me at all times day and night. Now they want to charge me late fees and referred the account to a collection agency. I am being charged $76.00 for something that's not my fault. My credit score went down. The phone calls are interfering with the quality of my life. They wake me and my baby up in the middle of the night. It has become unbearable.

constant harrassment

Now when I call I get someone who can barely speak english and they say they will transfer me to someone who handles these matters. By now you have probably guessed what happens next, I get transfered to another person who barely speaks english and does'nt handle the account or these matters. I get so fed up with it I just blow my lid and can't help but bad mouth Dell. If your looking for a computer, I would suggest someone other than Dell. They don't have their act together nor can they help you with any thing. No one at Dell knows who is who and what their job function is. Don't let them give you a phone number to any of the offices because you will get automated machines and transfered out of this world.

I was to be paying approx $35/month as per the advertisement, but now am paying $88.25 approx per month, over a longer period of time, as they still withdraw the amount every month on auto withdrawl from my account. I am afraid to stop it because it will damage my credit record as it still shows outstanding balance on there. I am frustrated at attempts to stop this billing, and to obtain a statement of the account, and of the original contract, they can not locate any information on my original purchase, and I am afraid to stop payment on this account for fear of messing with my credit rating.

I have suffered overpayments for 1 years, payments of amounts higher then I originally negotiated with phone agent, and I had a computer burst into flames during the first or 2nd year of ownership that required they ship me a new unit, and I almost had a house fire due to it. I am afraid I am being billed for a 2nd product that was sent as a warranty claim because I purchased additional coverage on the first computer, I shouldn't have had to pay for it. They said in their contract they would provide a model that is close to the first if they can not provide the same model. Which they honoured, but I am now afraid they are billing me for it.

6 months goes by after this agreement was made over the phone and I get a bill in the mail saying that I am late and charges are added to the amount. I called them up and they had no idea what I was talking about and I was passed around on the phone to more than 10 people. This was absolutely rediculous. Nothing cpmes out of the phone call. 2 years later I get a bill in the mail from a collection ageny and since then I have been receiving bills from the collection agency to pay a debt that I DO NOT OWE.

The consequences of this situation I would label as fairly severe. One I was lied to by a supervisor that apparently no longer works with dell financial. So trying to make my case is like talking to a wall or its a dead end all together. When I try to contact dell I am passed around on the phone to various people and I have to give my story more times than I need to. My credit sccore has been destroyed as a result of Dell Financials inability to put the customer first and follow through on promises.

I have proof of everything including where I had to pay the interest for the less than 3 months that I had the computer. I am in the right here and want my credit fixed. This has been ongoing pain and agony in my life and to those in my family as well. It has been over 5 years since I had purchased that computer and sent it back. I refuse to pay for a debt that I do not owe for a computer that I no longer have. I want the letters and the calls from the collection agency to stop.

the next think you know I get a bill of $411.58 supposebly because I pay my balance off until the six and the promotion expired on the first which if the what the case they should it send me the bill due on the first instead of due on the six of the month

I don't think this is a fair business practices from dell.

Later i called and told me i had to paid those 12 months and they charge me $309 dollars for the past 12 months. I told them that i thought they would charge me finance charges after the 12 months. I hope you ubderstand me and help me because these poeple dont understnad me or maybe i am wrong.

Im thinking these problem and cant get it out of my head. A lot of headaches and very nervous.

[Dell has] lost a personal customer and be sure I will never recommend Dell as a business product. We all know times are hard, both for individuals and companies. Still, this is America and in times of trouble we try to pull together and help out. Not stomp each other.

The consequences for me and Dell is that I will not do business with Dell ever again, either as an individual or for any company I work with. This type of deception and pushing back on a consumer is very poor business practice. In some cases, simply being honest would work wonders. If Dell is deciding to not extend anymore credit.. say so. But for a customer service agent (actually several) of a company the size of Dell to actually say.. I cant help you and I dont have a supervisor and thats the end of it.

I was shocked because I didn't know interest rates could even go that high. I knew that it was partially my own fault that my balance was not going down, since I was only paying the minimum. However, I was a college student at the time and that was my reason for purchasing the computer in the first place.

Anyways, in an attempt to try to make progress on paying down the date, I decided to call Dell and ask for a lower interest rate. Since I had read that typically if you just ask for it, then it is usually granted. Well I was told that over the course of 3 years, I had been late once, and as a result, I could not be granted a lower interest rate. So now I'm at the point where I feel like I've paid way more than the items I purchased are worth, and I'm still stuck with a huge balance.

This has happend twice already and I have waited for them to send me a letter, the second time around I clearly told them I have moved to the new address and to make sure they send the letter of verification to the new address. All they said was whatever address is on file is the one that it's being sent to...

SO today 8-21-08. I call again, after waiting another 30days for this letter. And the Lady I spoke to gave me asked me for my SSN# and such, then read to me some robotic message about we cannot verify your account and we cannot provide any other information. When I explained my situation and asked her what can I do, speak to the president? Who is it that I can talk to to fix my own identity being verified...all I got was the silent treatment, and We cannot provide any other information.

I cannot even close the account.

When my father asked them who bought the computer and where was it sent the representative for Dell told him it was none of his business. One thing they did ask was what his mothers maiden name was. When he answered the operator responded by telling him No that is not your mothers maiden name. Then she hung up.

After pulling up a credit report about 4 months ago on my father he realized they had effected his perfect credit rating. Without knowing who bought it or where it was shipped. Next my father contacted a lawyer who started the process my father just went through. When the lawyer asked Dell for their legal department he was flat denied. The lawyer then sent a letter to Dell stating that if they did not give us the information we had requested we will start the litigation process immediatly. A copy of the letter and a sworn affidavid with my grandmothers maiden name in it was also fowarded to the Texas Attorney Generals office. Two days later Dell sent my father a letter saying they were going to drop all the amount that he owed. LOL that he owed...

As a result he is in the process of suing Dell for the attack on his credit and the stress it induced. My father being a month from 70 years old and already 9 by passes on his heart did not need this effecting his elderly health. Plus the economic effect it had on his perfect credit score before Dell tried to intimidate my him.

I usually make my minimum payment on line and don't pay attention to my balance but today I called Dell and was in for quite a shock. They said I paid $1103.30 for my computer, $ 99.40 for software totaling $1202.70 but my balance is still $1205.00. I make my payments every month. When I asked the agent how that was possible he said it is because of my interst rate which varies between 29 and 31%.

How is it possible to have paid $1872 so far to Dell and still owe $1205 on a system that I have been paying on for 4 years and only costs $1202.70 plus taxes and shipping. I went with Dell thinking I would get a better deal and I have ended up paying an exorbent amount. I feel I have been taken advantage of. Is there anything I can do? Do they play these games with everyone or am I one of very few

In the meantime, DFS charged me a late fee and began calling me several times a day. The major complaint I have is when I answer the calls from 800-, no one was on the other end of the call. Then search this number on the internet and found out it was Dell and many people were complaining. So I called the DFS number on my statement and paid off the balance on the phone with checking account information.

After I paid off the balance, the 800- number called me again the next day and again no one was one the other end of the call even after I waited for a few minutes. So I hung up and called the number back. The person who answered the call could not find my account. I did not have the account number but I did have all the other information. He recommended I all Customer Service. After an hour later talking to 5 different people and insisting that my account be closed and to have DFS stop calling, my problem was solved. Dell waived the late charge fee and the pay by phone fee.

However, I wasted about 4 hours of my time over a 3 week period. I have purchased Dell computers for many years and as an IT consultant, recommend Dell to my clients. However, after this experience with DFS, I plan to buy my next computer from HP or someone other company.

The bottom line I never got my order fill and spent all afternoon trying to do it. Bad thing I never been late on a payment or contact then about any problems or nothing. I was so mad I was crying and I never buy anything else from Dell no matter what. I even have a son that work for Dell in Texas

I was a wreck I never been treated so bad in my life. I work everyday and pay my bills. I told them I done purchase 2 computers from Dell and that well never happen again!

Since then Doug P. from LTD has called and harrassed us stating we needed to pay $500 or more payments or he was going to garnish wages. BUT the real quicker is somehow the Dell sales department put my sister (a single mother) down as a guarentor and custodial person, meaning she was the point of contact and this was affecting her credit and they were garnishing HER wages not ours. we explained to him what had happend but he said there was nothing he could do until Dell brought the account back, I called and spoke with seven different people over the past several weeks, Theresa, Edward, Marlyn, Kate, Steve, Kyle, and Taryn.

The first person sent me a change of custodial sheet, which I filed out and faxed back to them, in seven days I recieved an email stating they could not change it because they had charged the account off to their collection agency. So I called back, the other four said that they would have a manager call me regarding this matter, in which NO ONE ever called back. in calling someone today I spoke with two different people when I finally reached Marilyn in the resolution department who then says she had to email the recovery department to see if they would retract the account from collections to change this custodial person on the account. she said she would call as soon as she knew something whithin 24-48 hours. I recieved a call within 5 hours from her stating they would not do a thing and that my sister was the point of contact and SHE is responsible for this account.

When talking to the collection agency Doug P. who is very rude and crude and harrasses us daily both my sister and I he first stated that my sister was just the guarentor of the account, but speaking with Dell two days ago they stated that she was not only the guarentor but also the custodial person on the account. I told them that I have never recieved a bill in her name it always stated the business name then my name under that and then my husbands name. I have never recieved a contract stating that she was the guarentor on the account and the sales person NEVER said that he put her as the guarentor or custodial, he stated that it was in my husband and my name and that my sister was allowed to use the account as well.

Doug P. told my sister yesterday that he was going to file for a judgement to start garnishing my sisters wages since she is the primary on this account. He threatens her telling her that she had to give dell her finanical and personal information in order for her to be responsible calling her a lier and then turning around and stating that this accoutn was taken out in fraud then if she didnt know about it, he then goes on to tell her that she better talk to her sister (me) and get her story straight. My pour sister can not afford to have her wages garnished. My husband and I and my sister has been harrassed and manipulated and lied to from this company as well as Dell. We have lost time and money and health issues related to the stress this has put on all of us;

With that being said we had to wait for a letter in the mail and were to call once we recived it.To verify who hge was and in this letter had nothing but a statment to call them and verify who he was. They failed to inform us why this was going on and wouldn't even tell us if some one had tried to use his account. In dealing with this same problem they tranferd us to a bank that has NOTHING to do with dell..hung up on my husband SIX times and he was not being rude.

Now we have placed another order for a tv and wall mount for the tv. The wall mount is missing a peice of a part, so I call dell customer support to see if they could kindly and simply just mail us the missing piece. The cust. rep. informed me that the piece I was talking about didn't come with the wall mount do to the fact that the piece wasn't part of the invoice. I don't think every product you buy has a list of every piece to every part, now they do for the parts.She then tells me to mail it back to them as a return, and reorder the same item, I questioned her why they couldn't mail me what was missing,she then tells me that the item is a defected product. I persue why I would reorder a product that was defected. I then told her to put me on with a superviser and she put me on hold for an hour and fifteen minutes then hung up on me. We now will be closeing our account and Never Buying a Dell product and another company in with Dell Sony ect...is going to look just as bad of a coumpany as Dell.

I had asked her not to call me at that number. I have contact Dell and made my payments with no respond on my complaints with this women Bobbi. She is extremely condescending. Dealing with Dell and this collection agent person Bobbi is very time consuming and just very upsetting. This person Bobbi seem to take great pleasure in upsetting one's day.

Confused I tried to contact them over and over to get to someone that could help me figure out how this happened. No one could speak good english. I just kept paying the minimum sence I did'nt know were the money was going and to give me time to resolve this matter which clearly had to be an error on Dell's part. I still have my statement showing what I owed when I tried to pay off my balance. I believe they did'nt want my balance paid off and sold my account at the sign of me wanting to clear the account, that would have cost them money.

There is now a 1400.00 debt on my credit of which 1000.00 is extra past were I had my balance when I attempted to pay off my balance.

I cannot stay afloat. We are paying these guys $60.00 dollars per month. It's crazy!

I then receive 2 to 3 phone calls per day from Dell's collection dogs claiming that they do not have my payment. I checked my bank, found out that the check payment in question was paid by my bank on 7/21/08, so Dell received my payment on 7/19/08, and as of 7/28/08 was still making phone calls into my office looking for my payment! This is a regular monthly occurrence with Dell however, this particular month was even worse.

I emailed Dell on 7/25/08 with my complaint and they sent me back some sort of generic response. I contacted Dell to try to return the computer and end my relationship with Dell and they informed me that I may return the computer and pay them the rmaining leas payments totalling $1,128.38. That means that we have paid $2780.10 for this computer. Granted, we acknowledge that we should receive the Sap of the Year reward for ever entering into this type of a business relationship, and we will deal with financial consequences, but we are extremely irate with Dell Financial's collections department.

We have never missed a payment, and we have paid off 4 other lease/ purchases in the past 2 years. Yet, they continually harass us each month, and when we try to speak with a supervisor, we are connected to another person with a foreign accent who is no help whatsoever. We are completely disgusted with Dell, we will never purchase another Dell product, and we would love to get rid of the computer on the lease agreement in question so as to end forever any dealings with Dell and we can't even accomplish that without being yet again victimized by Dell's financial policies.

We fear that we are stuck dealing with the pit bulls from Dell Financial untill the lease is satisfied. We are a small construction business trying to make just a living, not a fortune, and we feel totally taken advantage of by the Corporate giant, Dell. Again, we will NEVER purchase another Dell product, and we will tell everyone we come in contact with to avoid Dell products.

Well, since that time and the present I have paid these people over $4000.00 and today's statement shows I now have a balance as of 7/15/08 of $1927.28. I can send these people a payment of $100.00 and they add like 60.00 interest and finance charges plus 30.00 late fee and give me credit for $10.00. These people call me on the job and embarass me and I make a promise to pay them on a certain date and they continue to call me everday.

I gave my husband Allen authority to deal with them on this account by emailing authorization to them back in 2003 and then I had to fax them another authorization and talk to them on the phone numerous times. My husband made arrangements to Pay online and was making payments on time each and every month and then they would turn this option off to him and start calling me again about every 3 months. I would like to know what I can do to FINALLY get this account settled. I have offered on numerous occasions to send the thing back to them and they threaten to sue me. Help!

This one account has caused me great worry, embarassment on the job from harassing phone calls, bad credit reports and has ruined my good credit rating.

I'm now receiving bills for LEASE. I've called, as I've made larger payments than the $57.00, and they are charging me each month anywhere from $26-$15.00 for lease charges. I'm buying the thing! I want to know what I can do about this! THEY'VE EVEN THREATENED TO CALL A COLLECTION AGENCY AND WE'VE PAID MORE THAN MONTHLY BILL IS. TO TOP IT OFF, THEY DON'T EVEN SEND A BILL THE FOLLOWING MONTH, JUST A NASTY PHONE CALL!

Made my husband go into a near rage. We bought the computer to process his billings for his business. We have to have it. We bought it through his company. We don't want the company to have bad credit, nor do we want it on our personal credit. I would like to be contacted by an attorney if it would get this strightened out!

I get a call the other day from Dell Financial Collections saying I haven't paid my bill. I have never received any bills from Dell and quite honestly I forgot I financed the computer. They said they have sent 4 bills to me but I have not received them. They charged my account $334 in interest (I got them to take $60.00 off of that). In addition to that the interest rate is now 27.9 %, up from 18.99%. Dell should be held accountable for their unlawful and immoral behavior.

We have never been late on a payment to Dell, and the payment is always posted the day before the due date. My statement dated July 10 2008, shows the available credit of $23,837.23. I have written a letter to them that I am sending certified return receipt demanding that our account be restored. There is no reason to revoke our credit, especially when I was spending under $150.00.

I was forced to use my visa check card instead of my Dell account.

I have been paying ever since I recieved my bill today, 7/9/08 and my bill total is $ 1538.77. I have called and called argued and cried and it has done no good. They will not lower the interest or join my dept consolidation program. Their answer to me is get the money from a family member and pay it off. How is this fair. I have paid over $ 1300. and yet I owe more than the loan. I have only been late 3x in 2 1/2 years and got their ink 3 or 4x. yet none of the money I've sent comes off the bill. PLEASE can anyone help me?

I then proceeded to order online using my Dell preferred acount. That order did not go through and the representative I spoke with said they will have to refresh my account which means they would cancel my order. At that time I decided to call Dell financial services and cancel my business account as I cant use it. I was told that they have a hold on the account and cant do anything. I told them that I no longer want this to show up on my credit as I cant even use the credit anyway. I was told that they cannot do anything about it and the account will be left open and on hold.

At this point I want this account closed, I do not want to have a line of credit open if i cant even use it.

My husband and I decided to purchase because of this, "Deal" because we could pay it off with our tax refunds prior to August 2008, believing that we could make a few payments until the balance became due in August. We have made two payments towards the balance. One for $300.00 and another for $200.00.

We were shocked to receive this month, June 2008, a statement from Dell Financial Services stating we owed over $100.00 in tacked on additional fees, interest, and, "Convenience Payment Charges" prior to Aust 2008.

2. I upgraded my video card to specifically use the two monitor option for my computer. Customer service has been of little help. Finally after getting them to understand that my video card does not have two connectors coming out of the video card they figured that a splitter cable would solve the problem. I purchased that from Dell and guess what...that didn't work either.

3. Now working via email correspondence must be too much for them since they now recommend that I call them and try to work through their automated phone system for customer service.

I was never told there was a due date on each payment and that my payments were set up for 2 to3 days late. I foolishly didnt examine the bills carefully until last month when I noticed I had been charged a late fee of $29 each month along with my $65 computer payment. The late payments were added for almost every month, totaling over $200.

I called Dell Financial Services and their partner Check Free to get the late payments removed. After several calls to both parties, Dell removed only 2 of the payments, claiming that I should have read my bills more carefully.

I looked up Dell Financial Services on the web and found (on your web site) they had settled a class action suit in 2006, promising to change their misleading practices. Other web sites have more recent complaints similar to mine.

I am afraid that is I do not pay all they claim that I owe before mid July, they will add on interest and blacken my credit rating.

Is there anything else I can do?

Thank you.

I did not beware the seller because after buying four computers and two axiums and a music player from Dell, I had put them on the friend of the family list. The special offer date expired and my kid was hit with a $500 in interest. I could have avoided this if I was aware of the consequences, but since my payments were being made automatically by my bank, I had no reason to study the monthly paper statements in a timely manner. After all, this was Dell Computers, a trusted member of the family.

Needless to say I must strongly urge everyone tempted to use Dell Financial Services to make sure they understand the terms. DSF will do everything they can to muddy the waters and steer you into a paying their astronomical interest rates.

Memo to Michael Dell: You spent most of your life revolutionizing retailing and creating a first tier brand. Why squander you life's work with gotcha financing? The $500 I will have to pay is a pittance compared to what I have spent with Dell, and thought I might in the future. My computer needs extend way beyond personal use. This is a classic battle of winning the battle and losing the war. Adios Dell. You're now on my life is too short list.

I ordered two, double cartridges for my J740 desktop printer. That is two sets each of one, color cartridge and one, black and white cartridge; that way I would be getting a deal on the purchase! I spent $138 total for the two sets. I ordered the cartridges on my business account line of credit (which at that time had an available credit line of over $3,000) and asked that they simply include the invoice with the shipment as I did NOT want to pay interest on the cartridges and would pay the balance in full upon receipt. I received the order within the designated time frame but with no invoice. Assuming the invoice would then be mailed separately, I went on about my business and dismissed the whole thing.

Four months later I received a call from Dell's Collection Department claiming that I owed them the $138 plus four months of past-due-fees. I asked why I had never been invoiced for the charge within the normal 10-30 days of shipment and was told they had sent invoices but that I neglected to pay them. Then I asked what address they had sent the invoices to. They had sent the invoices to my business address from four years ago; yes, I hadn't been at that address for over four years. Now they didn't have any trouble knowing which address to ship the cartridges to, just the invoices. This was due, I was told, to the fact that the billing department was in a different area than the shipping department and thus resulted in the error (their error). I asked them to email me a current invoice for the cost of the cartridges only and told them I was refusing to pay any late charges because it was their error and not mine and that therefore the charges were not valid.

They sent the email. I paid the invoice immediately and in full. Then they kept sending me monthly invoices for the late fees they claimed I still owed and of course adding an additional late fee to the initial late fees each month; still I refused to pay the late fee bill. This went on for four months and then, I learned today (06/11/2008), that they closed my account and decreased my credit line to $0.00 because my account was deliquent for $39.60. They reported the incident to my small business tax ID as a charge-off and ruined my credit for a mere $39 that was their mistake in the first place.

My business tax ID and credit rating have been permanently damaged and now I will have to pay a higher interest rate if and when I do get other business lines of credit. Also, I needed to buy some additional product for my business when I found I had no line of credit available thus putting me in the compromising situation of now having to search for another company to work with, other products to research, etc. All of which are wasting my time and resources.

I just want to pay them off already and get this over with. I am afraid if i dont keep paying it they will put me in collections.

Each month I was charged interest and late fees. This went on until the balance was up to $1,800. Each time I tried to complain, I was put on hold. When someone did come to the phone, their English was so poor, I could not understand what they were saying. Frustrated, I sent letters to every complaint avenue I could think of. Some may still be posted on the internet.

Finally, I told them I would not pay them until they corrected my bill. They, in turn turned it over to collections. The first collection agency was so rude that I just stopped trying to explain anything to them and stopped accepting their calls. They turned the account over to another company. After much frustration, I finally agreed to a balance of $800. He insisted that this would only be valid if I paid it right away. I went to my bank in Harker Heights and borrowed the money to pay the agreed upon amount, just glad to have it over with.

This agreement provided that I would no longer owe Dell anything. The next month, they again billed me, however the the bank loan department dealt with them and they never billed me again.

It left a mark on my credit which I was so desperately trying to repair.

To this day I have paid $303.22 and never had a late payment.I would like to know where they got a balance of $983.33, because my last balance was $1,000.00 and they received payment on 5/5/08 for $50.00 dollars. With this new amount $983.33 +Daily Periodic Rate 0.07169% APR 26.24% days in cycle 30 and finace charges were $173.88 my new new plan balance $1,123.88. I spoke to a male which try to explained how they got to that amount, but he got confuse and upset.

It seem that I will never paid off this computer systmes sometime soon I don't like to be taken by CEO corp world who has more money that I can count. I live of SSID and it seem that I will go backward with this purchase instead of moving forwared. I don't like to be mislead and I have seen many complains someone has to do something about it. If any one can help please I will welcome the help and will appreciated. I need the PC because will graduate within two more years from MCC college I go to college for my Associate, but I don't like to be play as a fool.