Dell Finance Reviews

I also had trouble with Dell when it came to technical issues (I paid for a 4-year extended warranty) when I would call because I was having a problems I would have to sit on the phone with them and they would tell me what to do to try and fix the problem or what diagnostics I would have to run before the would send a technician out for service.

The consequences were financial hardship, I was a college student trying to figure out how I was going to pay off this bill, and my job was ending for the semester (worked for DSCC). The first year I paid $456 and the next year it was $432 and buy the time I had actually paid them off I had paid them over $2000 for a computer that was only worth $399.00. Financially I had run out of student loans, grant money and my job was ending (seasonal) I had to find a lending institution that would lend me money so that I could pay them off. I couldn't continue to pay them hundreds of dollars every year and hardly any of the money was going towards the principal of the loan.

So, with that offer, I also get a flyer. I can basically order my same exact computer for 500 dollars less. I called to complain and they told me to return the computer, they would send me another (the same exact effing thing) and I would pay 500$ less. I said fine whatever to save the 500$. So I order up a New laptop with the same specs for less money.

AFter that I call their returns department. At first, they say they will take it back then I find out about a huge secret "restocking fee". So I say forget it on the return. They wont' take it back because its over the 20 days or whatever. Its 22 days. So they wont' take it back. I call back 10 times over and over becuase I can't understand anyone. Then they offer 250$ cash back to me to go on my DFS account. I say sure. 2 weeks later my account is credited (and many phone calls later to make sure they did it).

I also see in my account they just charged me 1200 bucks for the second laptop. Now when I call they have no idea what laptop I am talking about. I CANCEL the 2nd laptop order as I have accepted their 250$. That takes about 3-4 days of non stop phone calls to india. Knock Knock.. Who's there?.. UPS.. UPS who?.. the same ups guy that has been here 3 days in a row because dell told them to come pick up my computer and never cancelled the request after I cancelled the second laptop order.

When I bought it I was promised rebates by going on a website. I went to the website, its down and don't work. So I call them. I called them 31 days after I got the paperwork for the rebates. They inform me rebates (about 250$ worth) are now void. I had to call within 30 days and I was 1 day over. I explain to them it was their website. I tried from work and home and it would not work. It was the website that they gave me in my paperwork (after I called and had to ask for it).

So, after about 10 more phone calls I complain enough so that they give some of the rebates. But for less then was promised. (I still havn't had any rebates come thru). My original sales person won't return my calls. I bought the computer thru a work discount (total joke), so every time I call I get re routed about 4-5 times back and forth from DFS for EPP purchases and customer care for EPP purchases. Its like dealing with 4 different companys that can't get to eachothers information. NONE of them speak good english, you can't hear them, and you have to verify who you are every time you speak to someone new. I have made about 40 phone calls to them.

I got a credit card with 0% interest to charge it all too thinking "I will get this taken care of". Well, you guessed it, they don't accept credit cards. So, you have to do someothing called a "walk to manifest". Dell india's way of saying balance transfer. I tell them DO IT! 15 phone calls later, they figure out how. I check my statments and they havn't transferred the laptop. Just the 3 little orders. I call and ask what is going on. They inform me they can't transfer the computer because it was ordered on a seperate day. One day before the other parts, that puts it over the 30 days by 1 day so they can't transfer that. I am stuck paying them 1333.68 at 22% interest. Keep in mind I have awesome credit.

So, many many many phone calls later and about 65 emails, I decide I will have my credit card write them a check for the full damn amount. But that final amount now includes a 35$ late fee, and 35$ finance charge because they never transferred the laptop doing a walk to manifest like they were supposed to. DFS tells me I have to write the DFS account number on the check minus the first 3 numbers because their account can't process that many digits. Then transfers me around because I have a 501 account and not a 502 account because my business has more then 400 people.

I call 5 times, they say they removed it but it never disappears. I call more, finally a guy gets it done, $75 removed. I have been getting calls for almost 2 weeks from dell.. "your payment is late.. where is it and why havnt' you mailed it?" I told them the entire amount has been mailed! All they have to do is process it and cash it. They email me asking questions, I reply with the answer, then they reply asking me to verify who I am before they can give me more information. They emailed me! duh! All that days days because they take days or a few weeks to respond.

So, today they call. I can't understand a word. He is very quiet, lots of static, and hardly speaks english. I start yelling at him when I hear the dreaded words "Hello Matthew, This is Dell's Department of Collections, you have not paid your bill and been reported".. My office area seen a whole new side of me and the fbomb got yelled many times. He wants me to pay my late fee 35$, my finance charge $35, and my payment $40. I explain that the payment in whole is on its way since last week and that them 2 charges should have been dropped already as they are dells mistake in the first place!

I am lost here. I have no idea what is going to happen. I have heard this happening to people before. Dell has moved everything to india and has gone downhill totally. I have literally talked to almost 50 people from there and spent uncountable hours on hold. They made a mistake and it looks like my credit may pay. I am going to check my credit in a few months. If their name is on it in a negative way, I am calling the attorney generals office. And I am sure I am missing alot of things here. Talking to them is like talking to a wall.

I am paying interest charges (about 40$ a month!) and this is all their mistake because they didn't do that stupid walk to manifest right and didn't transfer the laptop. They are also nailing me with late fees at 35$ a wack. I just had to call my credit card company and have them cancel the check because dell still calls threatening me because they haven't received it. I am having my CC company mail another one tomorrow. But dell insisted I pay them 95$ right now using a check by phone (which they charge you 14$ for!) to keep "head above water".

I don't know where this is going to go, I never got 0% interest, havn't got rebates (their rebate site for EPP rebates doesn't work), paid fees that I shouldn't have to be paying since this is all their mistake, lost uncountable hours of my life. Financial and many hours of my time. Who knows what they did to my credit rating.

November 8th- I have developed a system of keeping track of these phone calls. I am making an outline in a notebook with each step and then typing them here when I get off the phone.

- I call back and put in brads extension and leave a message that it is urgent I speak with him. I had to be quick because the system only allows like 14 seconds for a message.

- She transfers me but after 20 minutes on hold, I am forced to hang up as I have a meeting at work (20 mins is a joke anyways)

- I end the conversation with dell

- I had them make the check for 1181 (I subtracted the 151 from the 1333 that is about to be denied)

All that took well approx. 1.5 hrs. So I am done for today. I anticipate that dell will discover the check is bad and charge me some kind of fee for it even though its ALL THEIR FAULT for not processing it on time.

To be continued

I financed the computers with Dell Financial or citibank. The interest rate is about 29%.I was given the wrong closing date and my payments were late for a while. I sttarted out owing them $800.00 paid 40 to 50 dollars a month and after two years owed them 883 dollars. In this they increased my credit limit. I decided to buy my step son a lap top and was turned down even though I had sufficient credit line the KGB of Dell the verification department was out to protect me. I tried to call them and each time after spending hours They would listen and put me on hold and never return to the phone.

Finally I decided to pay them off. I have spent one month trying to close my account and the KGB verification department says they are following banking guidelines and trying to protect me so they cannot authorize the closing of the account even though the balance is 000.

What a crock. I hope someday to be able to close my account and I hope the worst for Michael Dell and his motely crew. One day they will run out of people to dupe.

When I called Dell to ask why, I was told that I could not use my Dell Financial credit card to pay the difference. Nowhere on that coupon was this stated. I have made numerous phone calls to no avail. If I was not able to use this credit card, why was it not stated on the coupon or the website.I asked Dell to credit my account and I would give them another credit card to pay the difference and they still wouldn't allow it. I have no idea what the reason is for this, but I want this taken care of.

I am basically being charged for software that I would not have purchased, had I not received this coupon. Right now I'm out hours of phone calls, and $75 I had no intention of spending.

In Dec. of 2007 he owed around 1,200.00 since then they canceled his interest free loan and said it was our responsiblity to get his bills to him and now he owes around $1,700.00. He has called them several times and they said that they changed his address in Nov. but for some reason they have not sent him one bill and continue to call and harrass us. I finally told them I was going to file suit against them if they called my house anymore since we have given them his address several times. I believe this is there way of making money.

My son put himself through Air Craft Mechanic school and moved out and asked Dell to send his bills to his new address and they can't do their job so they want to punish him and make him pay 29.99% interest. This has ruined his credit.

I am going through a divorce and can not afford it any more.

They claimed I had an unpaid account of $77, that now totals over $700, according to their collection agency. Just this morning after months of trying to deal with this I was able to get out of the person on the other end of the line that I was being charged for a Photo printer. I never ordered this printer and I did not receive a Photo printer. Resolution yet to be seen. They promise to call you back and you never hear from them.

No financial yet. Harrassment is ILLEGAL though. I will NEVER purchase with Dell again. This is a horrible experience and I have no other credit issues.

I purchased a computer through the preferred credit card. I have been paying on this computer forever and my balance is still 1,019.00. Interest rate is 30%.

They are robbing consumers and it has to stop. I have more than paid for this computer. There should be laws against this kind of practice

my credit is taking a hit as a result of this..

In the meantime on my husband became ill requiring hospitalization. He was discharged on April 24. I went to get medications for him on April 25 and there was not money in the bank because Dell had not recredited the funds and this had resulted in $175 in overdraft fees on several small checks. Phoned again and sent another bank statement on April 25 and was told it would be taken care of shortly. Called back 4 times on Friday and explained that I could not pick up my husband's medication without funds. Am told by a manager, A O'bana (sp?) that he didn't care about the situation and he would call back Monday.

Unauthorized funds taken from my account resulting in overdraft fees and inability to obtain medication for husband just coming out of hospital.

The next month I received an invoice for $1.33. I called Dell and spoke with a lady who said it was for management fees. I asked why? She stated that when the payment arrived it was 2 days into the next month and fees were applied. I said you mean I have to send a $1.33 check? She said no I will adjust it and I told her I appreciated that. A year or more passed and I received another statement for a little more than that and again I called they said they said to disregard it. Then to make a longer story short, I kept receiving statements and the total kept going up. Now the statement I received on 5/01/08 is in the amount of $237.49. I called every time I received a statement, I sent short notes on the back of the statements because I knew someone would open the statement expecting a check and would read the note w/phone #. No one never called me back.

Then I called to speak to someone and got someone in India. She said she couldn't help me so I asked for a Supervisor in the USA. I was connected to Angela Moothery. She informed me I have 2 choices 1-Pay $807.69 and keep the computer or 2- pay $266.49 + S&H and return the computer. I tried to explain it was paid for. She said it was a lease and I was in default. I told her what had happened almost 2 years ago and she said I would still pay it. I said I went a year and some months without a statement. She replied that was because I ran out of money. I asked what she meant by that and she said the check I sent was used or drawn on every month to make lease payments until it was gone. I said thats crazy. Who do you know Angela that would send anyone a check that large to be held in some account to have payments drawn on. I would not have done that. I sent in the amount to pay the note book off not extend payment until it was gone. I said your asking me to send money to purchase something I have already purchased. The notebook that in the end will cost me over $2,000.00.

Then I started explaining again and was told I had two choices only. She was starting to yell I asked her to volumn down as I wasnt getting loud. She asked me if I had anything from Dell with anything to back up what I said. I replied not I only kept receiving statements. She said then you will pay. I told her I already paid for the notebook and she said again I will tell you you have two choices. Then I received a call from Dell Warranty Dept. I told the lady that I was having problems with Dell at the moment and would not consider extended warranty until it was resolved. She said what problem. I explained it to her and she asked for my account # and came back on line to inform me that I owed nothing. My balance was zero. I then started getting calls from Dell Collections. I told them what was going on and he said to call Angela back and get her to send a fax or e-mail stating she was working with me. I did and Angela said you only have 2 choices and I can't send anything as you are deliquent in your account. I said how can I be Iif I paid it in full in the amount I was given. I told he I feel that somewhere down the road someone picked up the $1.33 or the computer regenerated it and it was placed back into the lease. She said mam you have 2 choices and if it is not resolved by May 1st you will have another $29.00 late fee and $68.92 payment. I have done all I can with them.

They will not listen. I never thought this would happen. We have purchased 4 notebooks and 3 desk tops here at Berry and Berry Inc. Can you help me? Please I have fought this battle long enough. I just received another call from Dell Collections yesterday (they call every day and are usually rude)except yesterday when a gentleman said I owed the bill and again I explained my problem as I do each and every time someone calls. He said hold on then came back and said you need to call Customer Service as they can fix it for you. I see on your paper work where the account was indeed change. We don't get all your paper work here in India but I can say you should call Customer Service. I told him I had and he said I need to ask for another Supervisor that is higher up. I said how would I know? And he replied you wouldn't but I can see you owe nothing. The secretary and the owners have witnessed all that has happened with Dell. I need it resolved. Thanking you in advance.

I can't afford to pay either amount they are requesting. I purchased the notebook I wanted 2 years ago because I wanted it to last 5-6 years. I can't sleep at night. I have headaches over it. I get a sick feeling every time the secretary says, Shelia, Dell on line 1 or 2. Then I can't eat. I can't pay it I don't have it and it is unfair. I would like to check the attorney box but I can't afford one.

After, That international collection center is keep calling to customer and talking abusive langauge and asking some unrelated question like job title, name, address and personel information which has nothing to do with account. The customer paid this amount via Personal check in full and sent payment with memo regarding whole paid off amount $2776.93 principal amount and $23.73 interest total to paid $2800.66. After several call received the customer foreced to harrased from comapany and customer statrt to document this case and reported to BBB in Texas. Then customer set a dell case number from resoultion department and told will be resolved within 24 hours and someone will contact and none of person contaced within that timeframe.

The call was received from dell and asked us to pay ammount for computer we have bought for approx $3373.97 and paid total amount $4074.37 since they are asking another $5800.00. This is a rip off the invisual customer right and company is violation the customer civil right. We have asked the representative to why u have not contaced since three years, they told to us

JOAN REP ID 452083 2:10PM 4/18/2008 said that we have a received large ammount so we have deposted a accured intrest for three years in advance? Who is going to pay three advance intrest and not pay a principal. And we have not closed account and will did not rfelected to whole payoff that is not custoomer fault that is DELL REPRESENTAIVE AND MISS MANAGEMENT FAULT CAN BE A LAWSUIT TO COMPANY LIKE ME.

The resoultion they come as of today 4/24/2008 to give half off and half to pay. Why still customer has to pay half off? Even customer has document the whole balance paid and closed account. This continuation is make us annoying and harrasing from dell collection center(international) and repoted to BBB and other legal agency for further action if needed. DELL COMAPNY MUST SENT A SORRY LETTER ANYTHING CUASE TO CUSTOMER OR FACE A LEGAL LAWSUIT FOR THREE YEARS OF PERIOD FROM THE ACCOUNT AND FACING SOME FEES AND CHARGES.

The payments are 53.00 a month.But about 5.00 goes actually on the bill.The rest is interest.Now if you are late by even a day whopping hit.Will they reverse that no.I see that in California a class action suit was brought against Dell and they won for bad business practices against the consumer.I sure would like to see if that could happen for all the people.Or even in the state of Michigan How can you pay over 1000.00 on a bill and owe 1750.00 unbelievable.I am also writing my senator thank you

Money lost and for what.

I will discuss that in a few moments.

I purchased a Dell Inspiron 1521 and the ending balance after negotiating free next day air shipping was $1394.47. So, I left the mall with my order in hand and was excited to be getting a new laptop in a few days. Well, a week passed and no laptop. I called Dell and was informed that they were out of the liquid crystal component for the screen and that it would be a few more weeks but that they would overnight it as soon as it was built.

I recieved in 10/31/07. As I opened the box I got a wiff of that "new computer smell', its a nice smell. I took it out and plugged it up and started playing around with things. After a few days I noticed that the battery was a bit lose and made a rattling sound. I then noticed that when a CD/DVD was put into the driver that the driver made a really loud grinding sound. So I called Dell and they agreed to send me a replacement machine. I recieved it within a few days (4or 5) and just put it aside for a week or so.

When I opened it I noticed immediately that the top was severely warped. So again, on the phone with Dell. They agreed to send yet another machine which I recieved within another week or so. Meanwhile I still have the other two. So I finally got around to opening the 3rd laptop and plugged it up and repackaged the other two to get them ready to ship back to Dell. The 3rd laptop never picked up speed. I know that they can sometimes be a little slow at first, but I gave it 3 weeks and still nothing. By now it is the first week of December and Dell is calling me wanting the other two laptops back. I have now consulted with a lawyer.

Then, I get an advertisement in the mail on December 8, 2007 advertising the exact same laptop that I purchased two months prior for $575.00 less than what I paid for it. Now I'm really upset. Meanwhile, I have not made a payment on my Dell Preferred Account because I am considering sending them all back and calling it quits, but they called me looking for $$$. So I made a payment of $100.00 and asked for my new balance. I was placed on hold so that the rep could "process my payment and give me the new balance after having applied my payment". I figured that it would be the original balance of $1394.47 minus the $100.00 payment=$1294.47.

She comes back on the line and states that the balance is now $1498.xx. I was appauled, how could this be i asked and she explained that the interest is not added until after the first payment has been applied. I explained that according to the guy at the Dell kiosk in the local mall, I should have no interest for 6 months. She then informed me that my interest rate is , are you ready, a whopping 23.9% and that the only way I can qualify for no interest for 6 months is to purchase a maintenance pacakage for $399.00 for a three year contract.

Now I was ******. I talked with my lawyer friend and this is when she mentioned the possibility of a class action lawsuit. So many things wrong in so many different departments of such a large company, surely this isn't only happening to me??? There must be others out there? Here it is 04/08/08 and I have sent the laptops back as of 02/18/08 and have confirmations that they were all recieved 02/20/08 and I refuse to make payments and Dell Financial Services calls repeatedly after promising that they will place a "hold" on the collections calls due to the nature of my experience and current situation.

I have failed at all attempts to get a refund. I and my credit report are at the mercy of Dell and Dell Financial Services. They have my money, I Do NOT have a laptop, and they have recieved countless hours of my time. The lawyer I was speaking with is a personal friend and said that she unfortunately at this time does not have time to take on this case. She asked if I could hold off for a few more months and after discussing things with her (that Dell would refund the $$ I HAd paid and I would revieve them within 7-10 days after they recieve the laptops)she suggested that I should just send the laptops back and get my refund and be done with it. Well the 7-10 days I was promised have come and gone 5 times over and still nothing. Again, today I found myself on the phone with Dell and its financial branch for over two hours.

These departments do not have any means of communication between one another so I have to go back and forth. My suggestion to any consumer considering the purchase of anything from Dell or to conduct business with any of its entities, DO NOT DO IT! You will get burned, they no longer put out a quality product, you can't get help from anyone there in any department, if you have a broken machine Dell is the only company that can fix it, they have no confidence in their own product in selling them for half the cost that they were just weeks prior, the list goes on and on.

If someone out there has had similar problems and is interested in filing a lawsuit I would be more than willing to participate. I would not wish on my worst enemy the trouble that I have been subjected to and forced to go through. I hope this is helpful to others.

About 24hrs later we go online to see what the ship dates were on the units to find out it was canceled. We were never notified by Dell about the cancellation. So we placed yet another call to speak to another lady who said, sorry but you weren't declined due to financial but due to verification process but couldn't tell us why because it was confidential. I cannot imagine why it couldn't be discussed being it was our business information. Being a small woman owned corporation, I feel we are being discriminated due to the fact it is woman owned business. They say they are not required by law to tell us why they reversed the approval if it isn't financial reasons. How does a company fix something when they don't know what is wrong? We have other lines of credit and had verification issues before which pertained to the business address and was able to fax our business certificate and incorporation paperwork to validate our address. Why would this be info that couldn't be discussed? We are registered with the DNB and state, so we are very upset with the fact that Dell would be so uncustomer focused and not be willing to share our info with us.

They cost us time and money. We were approved, so we ordered, had ship dates and were anticipating the product to arrive and had installation set up to set everything up for our business and have now been charged a $100.00 cancellation fee with the installers. Not to mention we are now a week behind and will be two weeks behind because we had to take our business elsewhere and wait for the shipment and another installation date.

I have bad marks on my credit reports and I can't afford to pay Dell any more money during this time. And they are trying to sue me for their mess.

When we questioned what other info they would need, they refused to say, saying only that we would get the letter, and we should follow the directions in the letter to verify ourselves in order to get the computer. They said it would take 7-10 business days.

2 weeks later, after no letter, and discovering that our order had been cancelled, we tried again. We got a new sales rep, who told us we would have to order all over again. When we ordered the same EXACT components, the order now came out to over $3000, but that shouldn't be a problem since, according to the rep, we were still approved for over $4000. Once again, the order went through, and once again we were told we would need to verify information. This time I asked for the Verification Department.

When I couldn't get a straight answer I asked for a Supervisor. The sales rep blatently refused and hung up.

I called back and spoke to another rep, who apologized for the first rep who hung up on us, and then again told us that he couldn't give us any information, but that we would get a letter.

At this point, I'm pretty angry, but he assures me that we are not being led by the nose or lied to, there really is a letter, and we would get one. No answers on what happened to the first letter.

Now it's April 2, 2008, and still no letters, and now the second order has been cancelled. I called and asked to speak to a supervisor, and was told that the Dell Dept, the Financial Dept, and the Verification Dept are all seperate areas, and one has no idea what the other is doing. In addition, we are now being told a THIRD time that we will receive a letter, with no answers on what happened to the first two, where they were mailed, why we need the letter, and if this is just Dell's cowardly way of declining us.

I called Dell to inform them of my situation and requested a payment extension due to my circumstances. They're response was: "NO! Can't you borrow it from someone?" As if!?!

My complaint is about the business practice of people who call in reference to enrolling in the Dell Preferred account credit protection plan. Obviously no matter how plainly and how many times you say no they will automatically sign you up and charge you for a service that you do not want.

They have not fixed anything. So I stopped paying them, hoping they will take me to court. I also told the collection agency the same thing.

They stated it was a phone number they couldn't verify but it's not a phone number that my business has had nor a number that I have had personally. I asked Dell to send me a "denial" due to why they could not verify my business and they refused to do so. There is nothing that I can do according to Dell. They suggested I go to Dun & Bradstreet to fill out a business credit background but that costs $600 to do so-almost what a computer would cost!

I feel that Dell should have gone to greater lengths to be sure they are correct - they were not correct-I, the business owner is the correct one. Dell mentioned "scams" but what they have on my business that they won't tell me is just as bad as someone trying to scam Dell-I feel they are "scamming" me. I feel Dell owes me an explanation and I feel they should have accepted my business registration, sales tax license, bank account info etc.

Then, not to tell me why-just that I am not giving them the info that they need to get. I think they need to be investigated for allowing incorrect information to determine who a business is and not allowing the business to prove differently!

have my full name,and tel number.

they call 10 mins apart on the hour
8am-9am and 5 times then again till 9pm
they fish for info,like "tell us your

address,and last 4 digits" of course I stopped talking to them.

The payment cleared my bank on 03/17/2008.

As of this morning, 03/26/2008 my Dell Preferred account available balance still does not reflect my $1930.07 payment.

would pay the original deducted amount they would waive the finance charges.

I'm going to send the $294.00 but I'll never buy another Dell and I will certainly never recommend their company or products. Their customer service is CRAP, CRAP, CRAP.

foreign speaking yo-yo's that couldn't help me, but did shuffle me to another overly polite idiot that couldn't help.

After

I tried to talk to the Dell Financial Services and they replied that the finance charges will not go away. They first suggested they would subtract $50.00 dollars and I would have to pay the rest. I argued with them and said you cannot charge me $260.16 in finance charges on the full amount when I only owe $147.45. Then I was put through to a superviser.I explained what my problem was and the superviser that I was talking to replied I can waive $75.00 of the $260.16 . I then explained to her you cannot charge me any finance charges on any money that has already been paid.

She still refused to listen and I asked to speak with her superviser, she stated that there is no other superviser i could talk to and refused to give the address to Dell Corporate Office.I plan to write to some one that can help me.

To anybody thinking about buying a computer from dell think long and hard before you do.

On 3/6/2008 while contemplating buying a HDTV I was browsing your site

and found a Deal of the Day.

It was a 42 Phillips LCD HDTV. I
attempted to purchase this item online, having had two very favorable
transactions with your company in the past. During checkout I discovered
that my Dell Preferred Account was $63.00 short of the total for the
purchase. I was rereouted to Dell Financial Services where I was denied
an increase for that amount for my account. It was then suggested that I
call a sales agent to see what could be worked out.

I spoke to Meghan (extension *******) that night. She told me that I
should be able to apply a payment to my Dell account online with a same
day payment option for a $9.95 charge that would hit the account by the
next day and she would then place the order for the HDTV. I went through
the process of making the payment and checked the appropriate boxes. The
amount of the payment was withdrawn from my checking account the

following day.

About an hour after I had seen the withdrawal from my
checking account I got a call from Meghan saying that the payment had
not posted, and she was unable to process the order. Both of us assumed
that the payment would be reflected on the account by the end of
business or first thing on Monday morning (3/10/2008), so she said she
would wait until then and process the order through.

By early Monday afternoon the payment still had not posted. I call Dell
Financial Services where I was told by the CSR that even though I had
paid a $9.95 fee for a payment to be immediately applied to my account
that those payments still took 3-5 days to process, but they were then
backdated to reflect the payment date. After receiving this answer I
spoke to a supervisor there who owned the problem, refunded the $9.95

fee and got with Meghan to ensure the order was placed.

I spoke with
Meghan after my conversation with DFS. She told me during that
conversation that the backdating situation was untrue and that she had
never heard of such a thing ever happening. She also stated that the
overnight payment option was something that the sales reps were
encouraged to use.

The first lie made to me by Dell was made by the CSR that initially
answered my call at DFS about backdating online payments.

At this point I was frustrated, but understanding. There are glitches
when computers are involved, and the CSR may not have known all the
details of a procedure. Living in India rather than the US and doing
business in English which was obviously not her first language
can be difficult.

Meghan called the following day (3/11/2008) to tell me the order has
been placed. She also offered an apology for the problems. She explained
that I would receive an automated call with the tracking number and the
shippers information. I did receive that call, but the shipper was

identified as Eagle.

I was forced to call customer service at Dell
again after searching the internet for a shipper of that name to be told
by the CSR that the shipper was actually called CEVA Logistics. I got
the URL of their website and was then able to track the progress of the
shipment.

That entire headache could have been avoided had I been able to pay the
balance of the order by debit or credit card, but your system does not
allow for split tender when using a Dell Preferred Account. I do so love
the irony of a technology company being outdated. It gives me such faith
that my computer will keep working for another year.

On Thursday March 13th, 2008 the tracking information showed that my
television had arrived in the local CEVA hub. It had now been seven days
(5 business days) since I initiated this process. I was told by CEVA
that they would be unable to schedule my delivery until Tuesday March,

18th.

Making it an additional five days, three of them business days,
that I would have to wait for delivery of an item that was supposed to
take from 3-5 total business days to arrive. (We are now at a total of
12 day or 8 business days, if you haven't been keeping count)

I took the day off on 3/18/2008 to ensure that I would be at home when
the delivery was made because CEVA was unable to give me a time that the
delivery would happen. I waited all day at home. At about 5:45 p.m., I
called CEVA to inquire why the delivery had not been made. I was told by
the gentleman I spoke to that Dell had shipped them the wrong television
and it would be several more days before they would receive a

replacement.

CEVA had been trying to get into contact with me all day at
my work telephone number, which was the only one provided to them by
Dell, but due to the fact that I had to be at home to wait for a
delivery I was not there to receive the call.

After the most recent call with CEVA I was back on the phone with Dell
customer service. I was told by them that according to their records
everything was in order and I should have received my television by now.
At the time I was unaware, but the Dell CSR was correct. I called Meghan

back to see if there was anything she could do to help:

A: because I
could understand her, she did not have a thick Indian accent and B:
because she was the only person from Dell that actually seemed to care
that mistakes had been made and a situation was developing.

The shipping mistake was made by CEVA. Somewhere in their process there
was a labeling mistake. I found this out on 3/20/2008, but only after
calling CEVA myself after waiting 24 hours to be contacted by either
Dell or CEVA to let me know what the situation was.

Alice at CEVA explained that they had made a mistake. She got into
contact with Dell to start the process of having a replacement
television to be sent out and advised me to call Dell customer service
again to verify that I had not received the original television and I
would not be responsible for it. I did so, and was told a note had been
made on my account reflecting that information. I was also told I would
receive a call with the new shipping information.

This morning 3/24/2008 (Were now at 18 days, 12 business days total
wait on an item that should have arrived in 3-5 business days.) I got a
call at work from Dell. I'm assuming he was from Dell customer service
because he, much like the majority of Dell's employees, was not
located in America and had a thick Indian accent. I was told that my new
television would be shipped out today through DHL and would be in my

possession in no more than 48 hours.

I then asked for the tracking
number so I could verify this information for myself. At this point I
have a good deal of reasoning to not trust anything that I'm told by
either Dell or CEVA. After checking online with DHL I come to find out
that the tracking number I was given was the old tracking number from
CEVA, not a DHL tracking number at all.

This is the second blatant lie that I was told by Dell, and the third
time I was lied to in the process of this transaction.

Order number in hand I called Dell customer service again to get the
correct tracking number for DHL. The man I spoke to this morning told me
that he had no record of a new television being shipped out at all nor
of a call being made to me today by anyone at Dell, and it would be at
least Thursday March 27th before the process could be started for a
replacement for the one lost by CEVA to be on its way to me because the
policy was to wait for 5 business days before a replacement would be

re-sent.

When I pointed out to him that the last confirmation of the
location of the television was on 3/11/2008 when it was shipped from
Dell, well over five business days before the date of the conversation
he said I was correct but there was nothing he could or would do to
expedite the process. When I asked to speak to his supervisor I was told
that the phone system was having some sort of glitch and I would need to
call back in thirty minutes. He then told me that if I had a complaint
that I could speak with his supervisor but he would give me the same

answers I had already gotten if I called back in thirty minutes.

When I asked the csr to give me the address and the name of the
executive in charge of Customer Service at the Dell corporate
headquarters I was told that he did not have that information. I asked
again for the address information, was told again that he did not have
it.

This leads me to the third and fourth times that Dell has lied to me
outright over the course of this ordeal. The third when I was told by
the earlier caller that claimed to be from Dell and was able to give me
information about my account and prior shipping information when I was
told that the merchandise that has already been billed to my account

would actually be in my possession within 48 hours at the latest.

The
fourth and final lie to date was the CSR telling me that he did not have
an address or a name that could be contacted at the Dell headquarters.
He said this to me while seated in a Dell call center, in front of
a Dell computer, on an internal Dell network with an internet connection
available, and he then told me that his supervisor would not have the
address information either.

From jump this purchase has been a frustration. To date I have lost
eight hours of vacation time, close to 15 hours of my personal time
being on the phone with Dell agents, waiting on hold for Dell agents or
the shipping company. I have been repeatedly lied to by both Dell and

the shipping company.

I have waited for 18 days, 12 of them business
days, for an item that has already been billed to my account. I have
made a payment on that account already for an item I do not yet have. I
have been offered no more than a perfunctory apology from Dell or CEVA
while being told that there is nothing that either company can or will
do for me to help get this toxic waste dump of a mess cleaned up.

As of 5:22 pm est 3/24/2008 after three more calls to Dell I have been refused expedited shipping of the television and told that in an earlier conversation I refused to have a replacement television sent out at all. Another lie from Dell. Why should I be surprised?

I received a refurbished laptop from Dell this year. I have contacted Dell Financial Services and Dell Corp. seeking reimbursement for the finance charges placed on my account for the year 2007 since I did not have use of the laptop and do not feel I should be billed finance charges for something I was unable to use. I have sent various emails, letters and made phone calls but no one will respond to my request.

Furthermore I tried to cancel a service warranty extension since I am fed up with Dell and I was told that I cannot do that since I purchased it in Jan. of this year. I see no reason why they cannot cancel and refund a portion of the money charged for same.

I did so and the man on the phone said there was a problem with the system and had to delete my account and for me to go back online and resummit my application,but that I was still approved for the $2,000. So I went back online and resummited the form and it came back for me to contact the verifications office once again,I contacted them and this time the lady I spoke to said they had to decline me at this time,and that I would recieve a letter in the mail as to why

.I had been approved twice for the amount,and now,they claim to see nothing in their system that pertains to that.I went to my credit report and they have also put 2 inquiries on my credit,and called them back and they said they could not take it off,that I would have to deal with that on my own!I also have the printed order form in which the order was confirmed,and was awaiting shipment.

They have no knowledge of that either.I have the emails,and printed forms from them,for evidence.If they cannot give me the credit I was approved for, they need to have the inquiries taken off my credit record.I went back to dell.com and check to see if they had changed anything pertaining to this,and they still have my order as confirmed,and awaiting shipment details,thay would not let me speak to a supervisor,and sent me from sales rep,to sales rep on the phone for over 2 hours.And to no dismay,I now cannot get the computer system I had ordered,because of a mistake on their part,that they claim to have never happened.In their systems they now have me down as ordering a product from them,but with no payment method!

And now is on my credit record for no reason,and needs to be taken off!I have the copy of the order,which says the order was confirmed with the dell prefered account as payment method,and the email stating this also.Dells sales practices are beyond ridiculous,they get the consumers hopes up,accept them and then turn them down.They are very rude,and make you look like a liar as though you made it all up.I have tried to call back,but now I cannot even get anyone to speak with me about this matter,and tell me I need to contact the credit reporting agency because they cant do anything for me now.

Dell Finance is charging an interest currently of 24.74%, and if this is truly the case, the company gets 49.48% on the deferred interest balance, or more. As the Fed has lowered interest in the last few months, how can a company like Dell rip off the consumer? They take this on their balance sheet as earnings, and I as the consumer cannot take it as interest paid. Where is the accounting offset? I will need your help to get an explanation on this practice from Dell Corp. This account is in good standing, and I had never been late prior. But refuse to pay interest on interest Your help is appreciated.



I have attempted to call DELL many, many more times to try and get the problems solved yet again with either the same results or being left on hold for greater than 30 minutes. Because of DELL'S ignorance and incompetence, I have been turned over to a collection company.

A payment was made 2-1-08 and another 2-29-08 and they charged me a late fee for Feb.

Dell never informed us that this conversion to a term loan had taken place. The $1,982.67 should have immediately been applied to the total cost, and we should have been sent a statement for any interest accrued for the 14 days late. I do remember receiving a statement with a $0 balance due from Dell Financial Services sometime in '06. I phoned Dell at that time to inquire about the statement. I was misled. I was told that is was customary for Dell to set up a business Loan account for regular business customers for ease of payment. I said I was not interested in a business Loan account and never agreed to have one set up because we pay our bills in full. I was told that there was a $0 balance on the account, and I could just ignore the statement. What I have been trying to obtain from Dell is some explanation of why they didn't apply the late payment immediately to our account instead of evidently putting it in some non-interest bearing account and drawing the minimum payments from it in order to maximize the interest charges on our account. This does not seem legal.

I was able to get Dell to reduce the balance due to $887.77 and assure me that after this payment was received, the business Loan account would be closed.

Peter ******** says that the balance is in the full amount and that $71.00 is due by 3.28.08. I have been passed around so much that no one knows what is going on with my account.Besides Peter ******** the following people are whom I have been dealing with. 1. Vishwadeep ****** 2. Supreet ****** 3. Vikram ****** 4.Amit ******* 5.Sam ******** 6.Nehal **** 7. Parul ****** 8.Gautam **** 9.Bob ****** and some of these people I have dealt with a couple of times.

I am house bound and would deeply appreciate any assistance from you in getting my account balance back to zero and not having Dell ruin my credit due to their incompetance. This has been very stressful and not doing my heart any good.

Thanking you in advance for helping me with this on going problem.

J. ****

reference #**************

When I type the number on the phone the computer voice says it doesn't recognize the account number. Well thats because the account has been closed. What gives! A giant sotware/computer company can't man a phone for customer support. I've faxed a letter from Dell stating my account has been paid in full and I still get no response. To this day they continue to take out money out of my account and than 3 months later they issue me a refund check. I want to know what accounting firm does their books-they should be fired. Its really sad and ridiculous.

I'm at the point where I might just close my account with my bank and start up a new one. Hell, maybe I'll get a free toaster or something. I hope whom ever reads this will think twice about purchasing a Dell Computer. But, if you do beware of the autopay setup. I'll never do business with them again!

From that moment I had a Nightmare from Dell calling me all hours everyday and night, telling me I paid nothing on it. I said I had receipts in hand. They sent it over to collections, and I was harassed even more. They told me I would never have credit. I would never be able to buy anything again until I paid them off. They tried to trick me with giving my bank account number and settling for $379.8,7 but when in fact they were just going to take two payments out which would only settle the Collection agency. I asked for a letter first to be sent to me with the amounts and then a pay off at the end of 2 payments.

Now after all these years I just received a summons to sue me for full amount plus court costs. I have been harassed from the moment I bought the Dell Computer. They have mentally abused me for over 2 years until I filed with Consumers and Attorney General's Offices, plus disputed Dell with my credit companies. Dell should know that they sold me a computer knowing I only made like $579 at the time, then fixed me so my payments would be late every month--knowingly putting my payment the following day I got paid. Even with post marks they still put late fees on me. Calling me everyday harassing me--very nasty people to do any business with. I tried to fix the problem, but there is no fixing the problems; they are just out to get anyone they can--telling me I never made any payments. I have all my receipts.

I went through two supervisors, two managers, only to get to another supervisor who told me there's nothing he can do. Now, perhaps I'm young and naive to the world of business. However, as far as I was aware- customer service is intended to help the customer. Twenty minutes later, I'm angry, sitting on ConsumerAffairs.com, still with a late fee that was completely unnecessary and a I guarantee you- a day from not, I'm going to be getting another call from Dell Financial Service's collections department wanting more of my money. Don't even get my starting on their out-sourcing. Dealing with Pakistanis, with thick incomprehensible accents made this 90 minute phone call unbearable. All in all, I'll be choosing another company for my future PC purchases and I would suggest you do that same. They simply are not worth the trouble.

He could not use the computer and they refused to do anything. About this time we discovered he had brain cancer and sadly he passed away shortly thereafter, January 3, 2008. Since I was not a part of the contract I started attempting to contact them about returning the equipment, thinking that because he was dead that there would be no problem. Wrong!!!!

I called and called and finally got a person on the line who said she would transfer me to someone to help me. So I got a voice mail. I left a message and this person called me back to tell me that it was not her job. But I was in tears by that time and she felt bad for me and said she would see what she could do. S

he did finally get a link for me to contact. Even within her own company she could not find the person for me to talk to, but she did at least try. I received a statement from Dell after his death, even though it was charged to his account each month, and I found a number to contact.

After going through a number of people one finally told me that I needed to speak with a Melissa Contreras and I proceeded to leave her a voice mail........twice. She never returned my call.

I called again and talked with someone else who said she would email Ms. Contreras and have her contact me. She never did after weeks. In the meantime, the other lady emailed me and asked me if I had any luck with my attempts so I emailed her back and told her what was going on and the lady's name. She then emailed her and her supervisor about my situation and I finally got an email from Ms.******** who was very negative and told me that she needed dissolution papers since he had leased it in a company name.

My husband had no company, he had tried to start one at one time but there was nothing to dissolve and I tried to tell her this. I asked her what I could do and what I really needed, but she never told me. She then told me she would not talk to me any further until I sent in some dissolution papers. I asked her for her supervisor and I did get an email from him and he said I needed to contact the state for papers. There are no papers and I don't know what to do. I cannot afford an attorney as I am dealing with all this and grief from my husband's death.

It is so frustrating and I don't know where to turn from here. The first lady I spoke with told me to contact an attorney to find out about any business as I told her that I had been through all his papers and there was nothing about a business.

I emailed the supervisor and told him that I would see what I could do, but I don't know where to turn next. I feel so overwhelmed with all that has happened, I had to move right after my husband's death, I have been ill since then, and I am at the end of my rope! I have MS and all the stress has caused a flare up of my symptoms.

With the option of paying 90 day same as cash terms. I made a few payments that were set for 25.00. I was able to make several payments until. I got sick on job and was unable to pay.

This caused my account to become delinquent. I accrued seriously late charges and defaulted high interest.
The account was turned over to a collection agency that gave me the option to pay for the computer.

I have made a total of $527.00 in payments. The collector @ LTD collection agency is working to collect monies owed said that I owe an additional amount of $700.00.

This absurd. how can I get this matter resolved. I am trying to get matter corrected and the collection agency is in demand, for more money. I know that There were several lawsuits, in 2006 charging customers by misleading them into unfair lending and financing practices. I need this matter cleared up. I can not continue to be taken advantage of. I cannot afford the balloon payment that was accessed to this account.

Please help! If your assistance cannot be delivered, I will have to seek any remedies to do so.

Sincerely

Tiffany ****-******

My credit account has cycled twice since ordering the TV and now they are charging me interest on a TV I never touched. I have made SEVERAL calls and written SEVERAL e-mails to Dell in an effort to resolve this issue. I have spent countless HOURS on the phone trying to speak with different people or being on hold with Dell to no avail.

Is there a timeline that companies must follow to credit accounts after items have been returned? Dell is telling me I am accountable for the interest that is building from this purchase. How can I get them to credit my account the cost of the TV PLUS interest?

Mr. ******* -

About two hours later, I got home and got on my computer. I found out that the order had gone through via an email message. The only thing was it was shipped to the right address but the bill was also going to be shipped to that address. I called Dell and was told it was taken care of. Of course since it was late on a Friday, I really didn't believe what I was told. The next day I call Dell again and told them that the billing and shipping address should be different. They told me that my social and mothers maiden name had been applied to the person that was going to get the computer and that she would be getting the bill.

They told me that it was not acceptable and I needed to talk with Dell Financial. I tried calling them but found out that they were closed on the weekend. The following Monday, I called and was told it would take two to three bussiness days to straighten things out. I told them I didn't have that much time since it was already the 17th of Dec. I called Dell Custumer Support.

They said they needed to cancel my old order and start all over. I spent about an hour with them redoing the order and fixing the credit and shipping issues. I was told it would be shipped the next day and it would be delivered on the 20th. The first order was to be delivered on the 21st because she had to work on the 20th and would not be home.

I said fine, just deliver it, we'll deal with it. DHL showed up on the 20th and left a note saying they were there. She called them and was told they would be there between 8 and 12am. She waited until 1230 and had to leave. During the hours of 1030 and 1200 she called DHL a number of time to find the status of the shippment. She was even told it was not on the truck and they didn't know where it was. At 1230, she got in her car to leave, just then DHL pulls up and drops off computer.

Two weeks later she gets a bill for one Dell Desk top computer. She notifies me that she got the bill. I call Dell again and try to straighten things out, again. I was told they would send me a bill ASAP. After waiting a couple of weeks, I had to leave for a five week business trip. Just last week while I'm in a VERY important meeting, I get a automated call from Dell Finacial that says I'm behind on my payments and they have sent it to a collection agency.

This has been the worst purchasing experience I've ever had. Part of the deal was a $200 Certificate towards any Dell product. Once I get home, I am going to pay Dell off and NEVER buy anything from them again.

During the time I was waiting to have the situation solved, I spoke with Earl and his supervisor concerning my concerns about the payments that were due. I told them that I did not feel that I should be paying for something that I did not recieve, and when the problem was solved, then I would be happy to make the payments. I was told by Earl ******* manager that I would not have to make the payments until the situation was resolved and that I would not receive late fees accessed, and that Dell would not report me a deliquent to the credit reporting agencies.

Finally after week after week and months of calling and complaining that I still did not have what I order, a tech contacted me personally. He told me that some of the Windows Vista programs, that the extra ram did not show up and it was running in the background. I explained to him that when you open the properties on the computer it only shows 3bits of memory. He said that yes, that is correct, but there are times that it will only show the 3. I contacted my personal IT person and ask him to check this out concerning the new Windows Vista and let me know what he found out. He did, and the tech with Dell was telling the truth. I thanked the Dell tech and bidded him good day.

Had Dell followed thru on solving the problem, this situation would not have taken almost 3 months to resolve itself. If they would have had their tech to contact me when the situation was first bought to their attention, then all of this could have been resolved.

Today, Feb 11, I recieved a letter from the collection department at Dell Financial stating that I was 3 months deliquent. I contacted the dept and spoke with a representative. She told me that I was past due. I told her the situation, and that I was not suppose to have made any payments until the problem was resolved. She told me that she didn't have any control over that. I went ahead and made the payment, which costed me an extra $13.49 cents to pay by phone. I ask her if she could wave the charges, but she said she did not have the authority to do so, and that I needed to talk to Dell Finance, that she was in collections.

So I did. I contacted Dell at *** *** **** and spoke with a gentlemen named Jeff. I explained to him what the situation was and ask him to wave any late fees and the check fees. He told me that he would. I then ask him who to speak to concerning the credit reporting as deliquent. He gave me another number. he said that he didn't have the authrority to take care of that.

I called the number, but it was to Experian and not Dell Credit Reporting. I called back to the Finance depart at Dell and got another person, named Arindam. I tried to tell him that I needed the number to someone at Dell who has the authority to remove negative reporting from credit agencies.

I got absolutely not help from this person.. He told me that I should have been making my minimum payments, and had I done so, I would have not been reported. I told him that I was told by management that I would not be responsible to make the payments until the problem was solved.

Again the rep was very rude. He told me that because I did not make the payments as per my contract, that he could not remove the negative reporting. I told him, that it was illegal to report me when something was in dispute. He once again informed me that there was nothing that he nor anyone else could do. Basically he was telling me that they were not going to take care of any of the reporting.

Another thing, Dell knew they were in the wrong because last week, they sent me a $200 gift card, apoliging for the problems that I have experienced.

So as you can see, I have a valid and legal complaint, and by them sending this gift card, they have basically admitted they were at fault.

Friday 2/8 rolls around which happend to be the last business day before the estimated ship date 2/11 and all of a sudden my inquiry shows my order has been canceled?! No phone call to me, no email, just the status at Dell's website indicates that my order has been canceled. Good thing I'm impatient and persistent. I called Dell was informed that the financing group had declined payment and seeing that my order was more than a week old (not true) I would have to set up a new purchase (sale being over that would cost me another $300-400).

Aren't you all in the same company? Not being a very understanding person I got shifted around to 3 different people who did nothing to help until I reached a saleman,David D., who got his supervisor to honor the previous price and incidentally upgrade to the new T8300 core2duo chip as they were no longer offering the older chip. (Incidentally, Dave told me "this is not the first time this has happened" and "that's why I should order over the phone."

Why set up automatic approval online in the first place or for that matter ask for the phone number? If I had know I would have just used my credit card, no problem.) So I suppose in the long run I made out but it wasted about 1.5hrs of my time resetting the order and now I have to wait a month instead of 5 days to recieve my new laptop.

Would have liked to have had my new travel laptop for my trip but I guess that's not going to happen. Also when looking a the exact same configuration on line it looks like the estimated shipdate (at normal prices) would be 2/15 not 2/29 that I was told. I guess my dicounted price gets me booted to the end of the line? To top every thing off when I got home from work that day what do I find in the mail?....

Oh it's from Dell Financing... I've been approved and here's my new card. Better yet I call to give them a piece of my mind and not only are they not there, but my account has been charged for the laptop they canceled and I'm carrying a balance. This is a perfect example of the head not knowing what the body is doing.

Buyer beware of Dell Financing! I can't wait to call them on Monday and tell them what they can do with my account and pending charge!

I did lose only $15$but I was so mad for days and really upset to be treated so nasty from a big company such as Dell. At the very end this it ruin all my vacation. Very bad experience, in twelve years it never happen before in the US.

On 2-06-08 I opened the switch and found out they sent me a wrong item, it was hook up for mouse and keyboard the old type with the round end. My computer is a USB connection. Therefore the order person sent me the wrong item. I phone Dell all day long on 2-7-08 and ordered the correct KVM switch, then I call Customer Care to get a credit return authoriztion, they refused to send that because of being beyond 21 days. I tried to explain to them it wasn't my error but theirs.

Tried to speak to a Supervisor or Manager several times during the day. I was either disconnected or no answer. Upon calling back a recorder to call back they were busy. I spoke to the Dell Financial and they were unable to help me, I informed them that I wanted to know when the billing was coming out I was going to pay the bill in full and cancel my account. I have no desire to do business with anyone that is not willing to accept a return when I was not at fault. They say the 21 days start from day shipped which I feel is unrealistic.

Anyway they have lost me as a customer and I plan to put this on the internet anywhere I can find to give them negative comments. I hate to pay for something that I'm unable to us a total of $81.58.

THAT was a lie. After less than 3 weeks the HD failed. I was promised a new one and the fee for having my data removed from the old one.

After a total of over 12 and half hours on the phone they are offering half the fee and denying they ever offered more.

NEVER again will I buy anything from them.

They never in the past four years sent us a statement. They just made the payments on our behalf for the past four years. Now they want us to pay the $500 due. That can't be legal.

Dell did send me a check in the amount of $326.03. Why couldn't Dell send me my whole amount in a check. Dell still owes me $694.25. Dell sent the money to Visa. I called Visa and the bank where I purchased the cards and they both said that neither one can help me because I do not have the 16 digit account numbers from the Visa Gift Cards. I told this to Dell numerous times. Now Dell is telling me that there is nothing they can do but there is. They can send me a check for the amount of $694.25 and Dell can get their money back from Visa. If they cannot get the money back from Visa that is Dells problem not mine.

I told Dell over and over again that I did not have the Visa Gift Cards anymore. I had also told Dell then to just send me back my computer and they said they couldn't. I had spoken to a Dell representative at two different times. It was two different representatives.

They both told me that they would put a request in for a check for me and they both said that they would email me or call me with the outcome and neither one has called or emailed me. Now these are people that represent Dell. Pretty unprofessional if you ask me.

I have two recourses. Settle the account by paying $2400 of an amount I do not owe and never did, or get a lawyer and fight it. All the while this will stay on my report until resolved. By the way, when you dispute something like this with a credit reporting agency, they just ask if the dispute is true or false. If Dell or the collection agency says that I owe the money, they do not have to show any other documentation to prove it. Just your word against theirs. Save those letters at least as long if not longer then your tax returns. Get every one's first and last names, and record the times of the calls. Keep all this in a fireproof and watertight container, because 6 years from now it is going to be your word against theirs.

. Now this is going to possibly damange per perfect credit and I plan to purchase a home in the sping. HELP!!!!!!!!!!!!!!!!

I told her this was not ordered, I was told my card was declined for ONE cord, and I was sent and billed for 3. I explained this was going to cause severe fees on my account if not taken care of VERY promptly. She told me UPS would be here the next day, they were not, 2 days later. Okay my account went negative due to this. -264.00. Dell charged me 89.00 for those 3 items as well. Putting me @ 353.00! They reimbursed me 2weeks later for the items.

I have faxed Dell a letter from my bank stating they need to fix this! also a break down showing them how it occurred! Justin another Great corporate associate called me 2 1/2 weeks ago from 1/29/08 and said my check would be here in 5-10 days! Still nothing!

This is ridiculous! They had no right to hold my money hostage and to make such a big situation for me over an 11.99 item!

i tried explaining how my payment was made and they already processed it but i guess they cant do anything about it and an they cannot help me.

I was told in both phone calls and via email that the "credit" merely means I'm now welcome o spend $5075 with Dell--it desn't mean I have $75 in "credit" to spend with Dell via the preferred account. I find this extremely misleading and deceptive and, quite frrankly, I don't intend to ever buy anything else again from Dell

I did get 18 months same as cash financing with the final payment having a due date of November 13th. I paid the balance of $700.00 on November 8th. I ended up having to get a cash advance on another credit card and putting it in my checking account because they have restricted payments and do not allow payments via credit card even though CheckFree does allow payments with credit cards. I paid every single payment online but for some reason they don't have online invoices. I usually didn't even open the statements sent by mail because I paid online. After paying off the account I received another statement which I did open because the account was paid off. It was a bill for the 18 months of finance charges at a rate of 29.99%. They are billing me because the promotional end date was not the same as the actual payment due date and I paid a week past the promotional end date. I have had several other same as cash promotions for things that I have purchased and never ever had one where the promotion end date was different than the payment due date. I think that they do this to catch people offguard and bill for finance charges when they shouldn't. I also had no idea that their interest rate was so high. I believe that it is actually above the legal rate for the state of Indiana.

No matter how many times I tried to explain that I was not late, and I didn't miss a payment, the people in INDIA didn't understand what I was talking about, and I could never get someone that was from the US to help me.

My interest goes up, and I am now getting letters in the mail. Please help..

This letter will serve as a brief recap of my Dell nightmare. On November 28, 2007, I made a $100.00 on line payment: however, due to a system glitch?, $10,000.00 along with $100.00 were deducted from my National City checking account. No confirmation of my transaction was ever shown or sent to me via email from Dell Financial Services.

On December 5, 2007, a National City Bank manager alerted me to the large amount of overdrafts (23 to be exact) accrued. I immediately called Dell Financial Services.

Your representative informed me it would take seven to ten days for my monies to be returned. My bank then called Dell and requested the return of funds, to no avail. I made a call to Dell on December 10, 2007 and requested to speak to someone in the United States. Your representative Angie (#586584) was apprised of the situation. She informed me that it would be 24 to 48 hours for the return of my monies. During this conversation I requested all pertinent information pertaining to my case and the defect in the Dell Financial Services online payment system.

On December 12, 2007, I faxed Angie (per-request) complete banking details (running balances before and after the non-sufficient funds?). I immediately called Angie and left a message that she call and confirm the fax. She did not return my call.

The $10,000.00 was returned to my account on December 14, 2007.

December 18, 2007, Angie called. During our conversation, she related she had not retrieved my fax, which contained confidential banking information and my Social Security Number. Apparently, my disclosures were exposed to any Dell associate.

January 3, 2008, Angie reports $540.00 was allocated on December 22, 2007 (for bank charges). I informed her that $540.00 dollars did not cover my creditor expenses, bank and credit status, and the havoc to my business and personal life. I again informed her there was a flaw in the Dell system for on line payments. She admitted there was a problem, and I reminded her I had requested to speak with someone about this situation. Angie said she would talk to someone in higher management and get back to me.

To date, I have not heard from Angie, or anyone from Dell Financial Services.
I feel strongly that Dell should provide prompt recompense for this long ordeal, and poor

Relationship.

They accused me of not returning their system until I sent them tracking numbers. Then they mysteriously found it but continued billing me and reporting it on my credit. At one point it was finance charges, another time I was told it was a restocking fee. A $700 restocking fee for their lying to me? Then it was something else...hours on the phone to India. I have managed to keep two hotels and several friends from buying Dell so far.

I still don't really understand what happened. Why isn't Dell honest and upfront with consumers about their process and give us the opportunity to make a more informed decision as to whether or not to open a DPA account? I have immaculate credit score. Dell gave me a DPA account number with $5000 limit, so what happened? Unfortunately I could not get the buffoons at Dell I talked with, to answer this simple question. This whole process was a complete turnoff. The consequence of my experience with Dell is that I will never, ever, buy anything from them, nor will recommend anyone I know to purchase anything from them.

Wasting my time. Delay in getting a new computer that I need to do my job.

I will never buy Dell again. P.S.: They still have charges and credits pending. Who does Dell's books? How do they get away with this?

I am repeatedly harassed by Dell Financial for something I have no knowledge of. They are the worst type of collection agency I've ever heard of.

There was no indication that I did not qualify for the 12-month no interest and no down payment promotion. But after 2 days, Dell Canada told me that I was not qualified for the promotion and I need to pay the 21.99% annual interest rate for 36 months. It is totally un-acceptable and Dell Canada is actually misleading customers during online purcahse.

Since Dell Financial Service already opened and closed (hopefully) my financial loan, my personal credit record is affected by Dell Financial Service.

Meanwhile both my VISA and AMEX accounts have been shut down due to fraud activity by Dell. After many phone chats with over 30 people from Dell, more than 10 lengthy emails and faxing documents...I'm sick of dealing with them.

I would not recommend that anyone buy from their website. The customer service is located in India. They barely speak English and they are very rude.

This is an automated email sent from Dell Chat. The following information is a log of your session. Please save the log for your records.

Your session ID for this incident is **************.

Time Details

01/02/2008 06:06:12AM Session Started with Agent (Neelima ******)

01/02/2008 06:06:15AM Agent (Neelima ******): "Thank you for contacting Dell Customer Service Chat. My name is Neelima. How may I help you?"

01/02/2008 06:06:28AM Betty *****: "hi"

01/02/2008 06:06:29AM Agent (Neelima ******): "Hi Betty."

01/02/2008 06:06:31AM Agent (Neelima ******): "How are you doing?"

01/02/2008 06:06:37AM Betty *****t: "I have a billing question"

01/02/2008 06:06:51AM Agent (Neelima ******): "I would be glad to answer your question."*

01/02/2008 06:06:59AM Betty Frost: "I was doubled billed on Dec 27"

01/02/2008 06:07:26AM Agent (Neelima ******): "Please do not worry, as I will look into the issue for you right away."

01/02/2008 06:07:28AM Betty *****: "my credit card was charged $1103.54 for a cancelled order"

01/02/2008 06:08:02AM Agent (Neelima ******): "Betty, what was the order number for this canceled order and what was the mode of payment?"

01/02/2008 06:08:20AM Betty *****: "order number 988075050 was cancelled and yet still charged"

01/02/2008 06:08:41AM Betty *****: "it maxed out my credit card and now my card is shut down"

01/02/2008 06:08:56AM Agent (Neelima ******): "I will personally review your records and I will obtain the latest information for you and see what best I can do for you."

01/02/2008 06:09:03AM Agent (Neelima ******): "Please verify the complete name as it appears on the account."

01/02/2008 06:09:18AM Betty *****: "How soon can I get this amount refunded?"

01/02/2008 06:09:24AM Betty *****: "Betty *****"

01/02/2008 06:09:31AM Agent (Neelima ******): "Thank you for verifying the information."

01/02/2008 06:09:41AM Betty *****: "address 9612 N 100th E Ave Owasso Ok"

01/02/2008 06:09:48AM Agent (Neelima ******): "Thank you for the information."

01/02/2008 06:10:07AM Agent (Neelima ******): "Betty, I would like to inform you that this order is for $ 1,201.15 and this order is canceled now."

01/02/2008 06:10:16AM Betty *****: "I was also supposed to get a tax refund of $55.41 for my other order"

01/02/2008 06:10:33AM Agent (Neelima ******): "We at Dell do not charge for the orders which are not shipped from Dell."

01/02/2008 06:10:42AM Betty *****: "$1103.54 was charged to my account"

01/02/2008 06:10:53AM Betty*****: "without authorization"

01/02/2008 06:11:11AM Betty *****: "IT was charged"

01/02/2008 06:11:14AM Agent (Neelima ******): "I request you to get in touch with your Amex card to get the detailed information."

01/02/2008 06:11:21AM Betty *****: "It cloed down my credit card"

01/02/2008 06:11:31AM Betty *****: "it was my VISA card"

01/02/2008 06:11:38AM Agent (Neelima ******): "As per the records you have not been charged for this amount."

01/02/2008 06:11:54AM Betty *****: "well I beg to differ"

01/02/2008 06:12:14AM Betty *****: "fine I will report this fraud and have authorities investigate"

01/02/2008 06:12:29AM Agent (Neelima ******): "I will provide you the correct information."

01/02/2008 06:12:43AM Betty *****: "I've already reported the fraud tax charges to the Tax commision"

01/02/2008 06:13:00AM Agent (Neelima ******): "You can get in touch with the tax department to get the tax department."

01/02/2008 06:13:05AM Agent (Neelima ******): "I suggest you to speak to tax department at 1-800-433-9019 or fax to them at 1-800-433-9023."

01/02/2008 06:13:11AM Betty *****: "Please send me an email to verif what dell has charged on all accounts"

01/02/2008 06:13:22AM Betty *****: "tax dept is a joke"

01/02/2008 06:13:32AM Betty *****: "fake tellephone number"

01/02/2008 06:13:49AM Agent (Neelima ******): "Betty, I can not send the details on email, however I will provide the information to you now."

01/02/2008 06:13:50AM Betty *****: "I faxed them 6 times"

01/02/2008 06:14:02AM Betty *****: "I need an email"

01/02/2008 06:14:03AM Agent (Neelima ******): "I will take care of this for you right away."

01/02/2008 06:14:07AM Betty *****: "to send to my bank"

01/02/2008 06:14:31AM Betty *****: "two orders were charged to my credit card and none were paid"

01/02/2008 06:14:44AM Betty *****: "DELL closed down my credit card"

01/02/2008 06:14:51AM Agent (Neelima ******): "Betty, the only amount that was charged from your visa card is $ 1,073.41."

01/02/2008 06:15:04AM Agent (Neelima ******): "This is for the order number ***************."

01/02/2008 06:15:04AM Betty *****: "my bank told me that the refund MUST come from DELL"

01/02/2008 06:15:19AM Betty *****: "not according to VISA"

01/02/2008 06:15:45AM Betty *****: "VISA states that $1103.57 was also charged by Dell on 12/27"

01/02/2008 06:15:48AM Agent (Neelima ******): "Betty, I have checked all the orders for you."

01/02/2008 06:16:05AM Betty *****: "are youcalling VISA a liar?"

01/02/2008 06:16:27AM Agent (Neelima ******): "There is no charge on the Visa card on 12/27/2007."

01/02/2008 06:16:29AM Betty *****: "wHAT YOU BADGE NUMBER?"

01/02/2008 06:16:46AM Betty *****: "DO YOU WANT MY visa NUMBER TO CHECK"

01/02/2008 06:16:50AM Agent (Neelima ******): "Betty, there are 3 canceled orders on your account."

01/02/2008 06:16:58AM Betty *****: "NO CHARGES WERE MADE TO amex"

01/02/2008 06:17:06AM Betty *****: "5"

01/02/2008 06:17:14AM Betty *****: "5 ORDERS TOTAL"

01/02/2008 06:17:21AM Betty *****: "4 CANCELLED"

01/02/2008 06:17:32AM Betty *****: "AND TWO CHARGED TO MY VISA"

01/02/2008 06:18:16AM Agent (Neelima ******): "Betty as per the customer # *************, there are 4 orders on your account."

01/02/2008 06:18:20AM Betty ****: "AS A RESULT MY visa HAS DENIED PAYING ANY CHARGES DUE TO FRAUD"

01/02/2008 06:18:49AM Betty Frost: "PLEASE DOUBLE CHECK MY NAME AND TWO EMAIL ADDRESSES"

01/02/2008 06:18:53AM Agent (Neelima******): "Betty, I am providing you the details for this customer number."

01/02/2008 06:19:09AM Betty *****: "I use both *********@yahoo.com and *********@gmail.com"

01/02/2008 06:19:10AM Agent (Neelima ******): "Betty, do you have another customer number?"

01/02/2008 06:19:33AM Agent (Neelima ******): "I am checking the information using these email address."

01/02/2008 06:19:42AM Agent (Neelima ******): "Is *********@gmail.com your current email address?"

01/02/2008 06:19:42AM Betty *****: "***********************"

01/02/2008 06:19:52AM Betty *****: "I use both emails"

01/02/2008 06:20:02AM Agent (Neelima ******): "Thank you for the information."

01/02/2008 06:20:13AM Betty *****: "I think I have two customer numbers...one is old"

01/02/2008 06:20:46AM Agent (Neelima ******): "Betty, I have checked the customer number ************, this for you."

01/02/2008 06:21:18AM Agent (Neelima ******): "This is a new customer number as all the orders were placed from 12-24-07 to 12-28-07."

01/02/2008 06:21:25AM Betty *****: "I will be calling my Visa customer service in 40 to make a formal report of fraud and shut down this visa account pending an investigation"

01/02/2008 06:22:26AM Betty *****: "I'm sure that the VISA fraud team will figure out why I was charged double for ordering only one computer"

01/02/2008 06:22:41AM Agent (Neelima ******): "Betty, yes you can call your Visa customer care as we have not charged you this amount."

01/02/2008 06:22:57AM Betty *****: "I am very angry and frustrated by all the problems Dell has created"

01/02/2008 06:23:31AM Agent (Neelima ******): "The order which was paid by Visa card is 991252886 on 12-28-07 and the amount is $ 1,073.41."

01/02/2008 06:23:41AM Agent (Neelima ******): "As a consumer myself I can certainly understand your frustration."

01/02/2008 06:23:42AM Betty Frost: "my VISA account has been corrupted and no charges will be paid due to fraud unless you can figure out who charged this twice"

01/02/2008 06:24:15AM Agent (Neelima ******): "Betty, I have checked the details and there is no payment from the Visa card for you."

01/02/2008 06:24:40AM Agent (Neelima ******): "You can get in touch with the your Visa card and get the information rectified."

01/02/2008 06:24:50AM Betty *****: "my charge card number is 4229 4937 6009 6093 it's now pending investagation"

01/02/2008 06:25:17AM Agent (Neelima ******): "The card number is XXXXXXXXXXXXXXXXX6093 only with us."

01/02/2008 06:25:26AM Agent (Neelima ******): "I apologize, but as a Dell Customer Care Representative, I have no way to access your financial records."

01/02/2008 06:25:30AM Betty*****: "$1073.41 was also charged to my visa card...for the completed order"

01/02/2008 06:25:54AM Betty *****: "I don't have that kind of money to pay for 2 computers"

01/02/2008 06:25:55AM Agent (Neelima ******): "I can only check the order amount and the date of invoice."

01/02/2008 06:26:21AM Betty*****: "the date collected and billed from my visa happened both on Dec 27"

01/02/2008 06:26:31AM Betty *****: "a double charge"

01/02/2008 06:26:49AM Betty *****: "what time does dell customer service line open up?"

01/02/2008 06:26:53AM Agent (Neelima ******): "Yes, I understand your issue, however there is no information for the double charge."

01/02/2008 06:27:05AM Agent (Neelima ******): "You may call the customer care support at 1-800-624-9897. They are working from 7 AM to 7 PM CST throughout the week."

01/02/2008 06:27:56AM Betty *****: "fine I will copy this chat and forward it to them and my visa company"

01/02/2008 06:28:45AM Betty*****: "I'm having serious doubts about ever having return business with DELL"

01/02/2008 06:28:51AM Agent (Neelima ******): "I request you to contact your Visa card company as there is no charge from our side and we can not charge you without your authorization."

01/02/2008 06:29:03AM Betty *****: "the customer service and response has been awful"

01/02/2008 06:29:40AM Agent (Neelima ******): "As informed you earlier there are no 2 charges on your order from Visa card."

01/02/2008 06:30:16AM Agent (Neelima ******): "Betty, I apologize for you experience with us."

01/02/2008 06:30:38AM Betty*****: "it's been a mpajpr hass;e"

01/02/2008 06:30:41AM Agent (Neelima ******): "Betty, however there is no charge of $1103.54 for any canceled order."

01/02/2008 06:30:44AM Betty *****: "majopr"

01/02/2008 06:30:50AM Betty *****: "major"

01/02/2008 06:31:03AM Betty *****: "I've been up all night worried sick over this"

01/02/2008 06:31:56AM Agent (Neelima ******): "The order number provided by you initially was 988075050 and this was paid by American express card."

01/02/2008 06:32:21AM Betty *****: "it NEver went on american express"

01/02/2008 06:32:36AM Agent (Neelima ******): "Betty, I would have been glad to waived the charges if we had charged you."

01/02/2008 06:32:51AM Betty *****: "must I shut my amex card down for fraud too"

01/02/2008 06:33:01AM Agent (Neelima ******): "The card number was XXXXXXXXXXXXXXXXX1006 as per the record information."

01/02/2008 06:33:13AM Betty *****: "waive the phoney tax charges"

01/02/2008 06:33:25AM Betty *****: "I cancelled those orders"

01/02/2008 06:33:33AM Betty *****: "it went on my visa card"

01/02/2008 06:33:39AM Agent (Neelima ******): "Betty, you need to get the information sorted with your credit card company."

01/02/2008 06:34:07AM Agent (Neelima ******): "We at Dell do not have the access to your credit cards and financial information."

01/02/2008 06:34:15AM Betty *****: "FIne I will close both cards and report this fraud and theft to the local authorities"

01/02/2008 06:34:25AM Betty*****: "right"

01/02/2008 06:34:27AM Agent (Neelima ******): "You can get the tax refund by calling the tax department."

01/02/2008 06:34:43AM Betty *****: "that voice only message"

01/02/2008 06:34:46AM Betty *****: "no live person"

01/02/2008 06:34:50AM Betty*****: "JOKE"

01/02/2008 06:35:02AM Agent (Neelima ******): "Yes, sure you can report this matter so that matter is sorted out for you."

01/02/2008 06:35:18AM Betty *****: "I plan to write reviews online about this awful service and the FRAUD"

01/02/2008 06:35:29AM Agent (Neelima ******): "Betty, this is the contact number which is available with us."

01/02/2008 06:35:32AM Betty *****: "totally disgusted"

01/02/2008 06:36:10AM Agent (Neelima******): "Betty, you can call the Dell Customer Care and they will transfer your cal to the tax department."

01/02/2008 06:36:32AM Betty *****: "jpke"

01/02/2008 06:36:42AM Betty*****: "this is pointless"

01/02/2008 06:37:05AM Agent (Neelima ******): "Betty, I understand that you are upset with this situation, however you need to get in touch with credit card companies to get this matter sorted out."

01/02/2008 06:37:28AM Agent (Neelima ******): "I would have been glad to waive the charges if we had charged."

01/02/2008 06:38:33AM Agent (Neelima ******): "I have not received a response in over a minute. Please respond within the next two minutes to allow me to continue our chat."

01/02/2008 06:38:51AM Betty *****: "your not helping me"

01/02/2008 06:39:28AM Agent (Neelima ******): "Betty, I would have been glad to assist you if there was any charge as per our information."

01/02/2008 06:39:40AM Agent (Neelima ******): "I have done my best to assist you."

01/02/2008 06:40:04AM Agent (Neelima ******): "I apologize for being unable to assist you myself with this issue today as I have limited resources and can only provide information related to my domain."

01/02/2008 06:40:15AM Session Ended

If you require further assistance, please visit us at support.dell.com

Reply

Forward

Note: I have pages of emails, text files, prrof of cancelled orders, proof that my two credit cards were fraudulently used and much more. I also have my two closed credit accounts with TTCU VISA and my AMEX.

Currently the Dell Fraud department and the TTCU fraud department are both investigating. Both accounts are formally closed down due tthis copromise of my charge cards. I personally feel that Dell owes me an apology and owes me something in writing to reinstall my sense of trust. I feel like I've been robbed and violated by Dell.

Until restitution is made up to me, I can't possibly trust them with my business.

Now DFS is trying to say that somehow the payment got reversed and that caused it to be late and thus the interest penalties apply. I even received an e-mail from DFS confirming my payment on 12-1-07. All I am getting is the run around from DFS reps. I have advised DFS to either take the interest charges away or send me authorization to send the system back for full credit and I would go elsewhere. This has all just started in the last 24 hours so I am not sure what is going to happen.

I searched the internet and found where the payments were made. No where in the limited statements online did I see the Payoff amount being paid. We have fought with the customer service people for a week now. It's getting to the point where I am going to contact an attorney. If they had posted the payoff amount like we had asked, the account would be closed. But they took it upon themselves to split the money into 2 years of payments just to receive the interest. After all the run around we received, it seems they were charging about 85% INTEREST. I advise all who read this to think twice--and go somewhere else to get a computer.

We are still receiving statements that show us owing DELL. We have closed the account, and now the business, and cannot afford to pay for the computer again. Phone calls, bills, what next...knock at our door? We were led to believe that the bill was paid in full after the $4800 check was cashed.

This has caused me high stress. I have been talking to them to get me paper work for 3 mos. Then I was transfer to a mgr and he screamed at me and treated me as if I was not a customer or cared what I wanted to pay off the account. He gave me the payoff amount with no option of giving me paper work and justifed why he did not have to but he wanted me to give all my personal information to him, a credit or card or checking rte and account number. I was treated as if I was wrong with what I was asking for. I do not appreciate being treated this way and I am owed an apology as well as closing my account out.

I contacted Dell via email and telephone, and was told that they would not reverse the late charges except one as a courtesy. Apparently the lawsuit wasn't enough for them to have learned their lesson. I spoke with 2 representatives today. One could not help me because of the type of account I have, which made no sense; and the other spoke so quietly and had a strong accent that I understood nothing except that she would not reimburse me for the incurred fees. So here I am.

My balance exceeds my purchase history. According to my statements if I pay my payment too early I incur a late fee or if I pay it on its due date I incur. I don't know when they post the payment, but I am being charged extreme finance charges and invalid late fees, so basically I am not making any payments because these fees exceed any principal payments. I want my account closed and all late fees reversed. They are obviously creating fee income at my expense--and others like me.

Several months later Dell refused to acknowledge that I had ever been charged for the late fee. We sent copies, and all they would say is I was never late. I was never late, but they kept the late fee. What upset me the most was the way they just refused to talk to me about it. My account was paid off, so they kept the $29.00. Now when I talk about buying a computer, Dell is never on my list. I'm Dell Free!

I have spent hours dealing with this issue, lost work time to try to get it resolved, and have been unable to apply for credit in several situations where I wanted to because of all of this.

As a result, it appears we now owe $1,533.95 for a charge that was paid 2 months after the due date! Dell never informed us that this conversion to a term loan had taken place and regardless, the $3,737.89 should have immediately been applied to it when received by Dell.

What I have been trying to obtain from Dell is some explanation of why they didn't apply the late payment immediately to our account instead of evidently putting it in some non interest bearing account and drawing the minimum payments from it in order to maximize the interest charges on our account. This does not seem legal I have written them a letter and gotten a form letter in return that addressed none of my questions. I have sent them several emails. No response.

The collections dept. tells me I will need to speak to customer service about the automatic payments. I go back to work on Tuesday the 27th, and my boss pulls me aside and says that Dell Financial has been calling her all weekend on her cell phone asking for me! She is very upset and I could potentially get fired over this.

I have been back and forth, being told by customer service to call collections, and collections saying I need to call customer service. I have been disconnected as many as 20 times and put on hold many times. Am still trying to resolve this with Dell Financial.

When we called to find out where our computer was, Dell wanted to know what the phone numbers were to verify the account. They told my wife the number she gave was not correct. They put a freeze on her account. My wife is a housewife and has two numbers: home and cell. When we call Dell and ask for a Manager for help, the people on the line make excuses why they can't get a manager. I don't appreciate being treated like a thief. I would never treat my customers like this. I chose to buy an Apple Mac instead.

Re:Credit Application-DPA

Dell Financial Services, as agent of CIT Bank, assists with the financing of computer equipment manufactured by Dell Inc. In the normal course of business, a customer may submit his or her credit application to determine creditworthiness, and our system then apprises the applicant whether they are approved or declined. Our process does not allow an applicant to apply solely for the promotional features such as No Payments For 90 Days or 0% Interest For Six Months. Instead, these are features of the financing program, and an applicant applies for a loan, not a specific promotional feature. When you submitted your credit application through our lender's automatic adjudication process, it was determined that you did not qualify for the promotional feature, but you were approved for a Dell Preferred Account. Since you were approved, we are not required and it is not our practice to send adverse action letters. However, when applicants are declined for a loan, we do send an adverse action notice. While you may possess good credit, our lender's adjudication process utilizes a complex and proprietary scoring model based on many factors such as past payment history, amount of credit extended, length of time of established credit, application and acquisition of new credit, and types of credit established. We understand that because our lender's scoring model was developed internally, you may be approved for promotional rates offered by other creditors. Likewise, some applicants who are not approved by other creditors may be accepted for our promotional offers. We work to ensure that the necessary information is provided to consumers regarding qualification and, although the detail of our methods is proprietary, we can say that a significant portion of applicants do qualify for our promotional features. Thank you in advance for your attention to this matter. We hope this explains and resolves your complaint.

Consumer Credit Analyst

We paid the invoice in full after 70 days. Dell posted our check 95 days after the due date, then applied our payment towards monthly lease payments over several years leaving a balance of over $700 that will become due in 2009. We only realized that the problem existed because they kept sending statements with no money due, but a balance not yet paid.

The laptop, which had an extended warranty and insurance (a major ripoff) is completely ruined because the mother board crashed. I'm very seriously considering sending it back-in its current condition and stopping all future electronic payments.

When the computer first arrived, I recieved an error message regarding some software on the computer. Dell refused to help me with tech support that I didn't have to pay for. Their reasoning for this was that they didn't manufacture software so it's not covered. Only hardware was covered in my EXTENDED WARRANTY.

So basically unless my cpu spontaneously imploded there was nothing they would do without me having to pay by the minute. To this day, my Dell balance will not go below the $1400 mark and I usually make more than the minimum payment. Dell has made it increasingly difficult to pay on time through website issues and very long hold times.

I looked at me dell statements closely when I saw on tv where a cust was suing Dell for false ads and applying a bait and switch tactics.Customers would apply for zero interest,would get approved,make their purchases and then Dell would apply the charges without the customers knowledge. I am a victim of this underhand tactic. Dell has been compounding my balances with ineterest charges since the first year.

I have contacted Dell about this.they responded in email that the promotional plan offered was strictly based on credit report and this decision was processed by a computer generated scoring model and not negotiable.Again, this was not communicated to me nor there was a credit denial. Federal law states that i have the right to be notified if credit was denied. Dell shoul also notify me about any interest or finance charges that would be added on. The only notification i received from Dell was an approval of the credit.

The 21.74% annual percentage added during the first year is exorbitant! I communicated with Dell customer service online for 3 months now and ive been given the run around..I still havent received any answers regarding my complaints.

After being connected to an American in the USA (another 10 mins. on hold) I went thought the verification ritual again and was told the same thing. No number...no information.

It is an insult to every American to be forced to deal with companies who outsource business to India, while increasing costs, to save money. Is it not enough that the product is made over seas? What about supporting America and Americans?

We deserve to be treated better. Especially after requesting to have the phone number to reach the US office directly, without being forced to go through the degrading, insulting and time consuming India connection.

I am ashamed to own a Dell computer and will not buy one again. And will check out both the location of the support and other departments, prior to buying something like a computer again.

Then that bill comes in for $864.91. I go to pay it online with my credit card and it says we only accept account transfer ballance check or money order. I dont have the full amount to pay this. I told them that over the phone. I asked them to let me pay the minimum of $26.00 and waive the fees and I would send them a check for the remaining ballance by Aug 2. I explained to them that i was lied to all they could say is sorry and that there was a miss communication.

I told her that the man must have wanted a Christmas bonus, but I did not authorize him to take my order. She said no problem it was taken care. I did receive the computer in time for Christmas. I got a bill from Visa for 600+ dollars and paid the bill. Then I started to get calls from Dell Finance saying I owed for the computer.

I went on the Dell Financial website and cancelled the autopay in November.(I thought I did anyway!) Now Dell Financial is saying I don't have an autopay set up, they haven't received a payment, etc. I have talked to my bank and they say I need to file a fraudulant/disputed report. Hopefully that will do something. And I am fearfully waiting for June 4. I don't want to do this every month!

Well, that was not the end of it. That afternoon, I got a call again. The ff. day Saturday, I was awaken at 7am to tell me my payment is overdue and they are collecting, again from India. The same thing happened that afternoon. The next day Sunday, I got another call Guess, from India taht my payment is overdue. Today, I got a call again at 4pm of the same thing. So, what is with this, Dell. Is this the result of your outsourcing?

I made my first payment of one sixth of my total bill. When I received my statement for the second payment I had finance charges for the balance.

After calling Gina her voice mail said she was off for two days, I called the financial services department. They told me that my purchase did not qualify for the 6 month no interest offer.

I called Gina again and left the message requesting she call me. 4 days passed (I allowed for a busy weekend) and no phone call. I called again. I received a phone call from Jason telling me to call financial services.

I called financial services and spoke to Nathan #930-803. He also told me that my purchase did not qualify for the offer. I asked him if I paid the balance in full if they would remove the finance charge. He replied that I should send in the total balance and that they would send me a refund of the finance charges. DUH! I asked why I couldn't send the balance LESS the finance charge. He said I could, but to make sure to send a note and that SHOULD BE OKAY.

I once again called Gina and got her voice mail. I expressed my disappointment at her lack of professionalism and courtesy. Ironically my mother-in-law is getting ready to purchase a new computer and I was going to refer her to Gina. I told her this and also said she would also NOT be purchasing a Dell.

This is really poor business. Unnecessary frustration and a waste of time. If companies and the people that worked for them practiced professional ethics this world would be a better place. I was in business for 20 years and my husband is still in business after 32 years. With all of the competition out there, if it weren't for repeat and referral we would have never survived let alone have a business to sell after retirement.

Again, I was told about 6 months no payment etc....Then I received my DELL preferred customer card in the mail with a Pricing Addendum to your ...credit agreement outlining standard APR rates 17.24% And I was told that I would receive a statement within 45 days. I remember thinking that it was odd but never called them for clarification. They then sent bills saying that I needed to pay a minimum payment of $36.00. If I missed 2 of these payments they would slam me with the APR% and other accrued charges! When I called DELL I of course spoke with reps that acted confused. They only wanted to talk about my payment and they told me that they could not receive a credit card payment. They would only accept my checking account number so they could withdraw the money directly!

I sensed some real irregularities so I hung up. I googled Dell Financial Services and found your articles. Irrespective of the computer's quality, I will Never again purchase a Dell computer.

I called in December and found they had me down for a billing address that I never gave them and where I never lived. The rep updated my address and I paid the current balance. It was only 60 days late and they took off the late charges, after I told them to. But now it's been 90 days since I paid last and still no bill. Since I never recieved a bill, I don't know my account number.

What I don't understand is how they could send me the computer and not the bill.

The computer crashed the first week I had to reset to default. The printer is so cheap - looks like I could have bought a better one at Wal-Mart. Runs out of ink fast and the cartriges are expensive and hard to but else where. I am still waiting on a response from Dell. This computer is worst than the 10 year old HP I replaced it for!

I have gone without a home p.c. for several months. AND Dell Financial Services has had $2,300.31 that I could have spent elsewhere (particularly now that the stock market is doing well, I could have invested and made a little money).

My problem is that Dell's collection tactics are relentless. After repeatedly explaining to dozens that she no longer lives here, the calls continue to flood in. Sometimes up to 6 calls a day for over 1 month now. They all say they are sorry and they will not call again, however sometimes as little as 5 minutes elapses before the next call comes in.

I returned the system at a cost to me of around $120. They continued to bill me for the system. I spent literally hours on the phone being passed around, disconnected and being told the problem was solved several times. I was given different excuses as to why they continued billing me including: They didn't receive all the system, Restocking fees and that it was just a billing error... I finally gave up on getting the problem fixed. Why spend an hour on the phone to be told it was taken care of just to get another bill?

One lady, after claiming she's finally taken care of it, even asked me to send Dell a letter praising her actions. What a sick joke that was. I called the BBB and was told that many consumers had the same problem. They would offer a sucker free financing and then charge the sucker a high interest rate. I've bought several computers elsewhere since then and I have warned many people against buying from Dell.

I now have Dell as a bad mark on my credit report (over $600) and I paid over $100 to return the computer.

When I received my statement this month, all of the transactions appear on the bill correctly until you get to the Finance Charge Summary where my balance shows as $2,235.54 and yet the Balance Subject to Finance Charge indicates an amount of $5,982.09. For the 30 day billing period covered by my most recent statement, I was charged $116.76 in finance charges when in previous months my finance charges at the same APR were only approximately $30.00. After doing some calculations using the Daily Periodic Rate, I discovered that I should have only been charged approximately $40.00 based on my balance.

I of course called DFS and first spoke with a Veronica who assured me there was nothing wrong with my finance charges and proceeded to tell me that the finance charges are computed using complex mathematical computations and that everything is fine and I have nothing to worry about. She also tells me that I was not charged finance charges on the $5,982.09 amount but on the $2,235.54 amount instead and not to worry about the large number under the Balance Subject to Finance Charge column. Now, any person with a calculator can see that I was overcharged on my interest just by doing the math. There is no way that a daily periodic rate of .06572% on $2,235.54 in a 30 day billing period equals $116.76.

Without my knowledge, they sent my bill to their finance department and set it up as a loan rather then sending me a bill. I never received any further communication from them that I had a loan. When I was finally able to contact someone I found out there was an outstanding bill with finance charges.

The original cost of the computers was $2930. The final pay off $3476.66, which included 3 months of finance charges. This is an interest rate of 23%.