Dell Finance Reviews

I purchased a Dell computer in 2005 for the advertised price of around $800. I signed up for the Dell Preferred Account and began to make monthly payments. After two years, the balance has NOT GONE DOWN. It also seems that the finance charges increase with a larger payment! We have also had problems making payments to Dell by either having to hold for more than 30 minutes or being locked out of the website.

I have applied for a dell acct and subsequently purchased a desktop and laptop based on their website promotion whic is zero % finance charge for 1 yr.Under the assumption that i would be waived for 1 yr, i applied for credit.There was no notification of a credit denial that I DID NOT QUALIFY FOR THE NO INTEREST PROMOTION.

After lengthy hold times and constant entering in data, I am asked by someone who speaks garbage English, to reverify the info and because I refused to provide them with my unlisted phone number they refused to provide me with the requested information.

When I purchased my Dell computer over the phone the salesman got me in to this dell preferred account. I asked him if I could pay it off with my discover card when it came in he said "yes, no problem."

Last December I bought a dell computer .The guy first insisted that I pay by enrolling in Dell financial services but I told him I did not want to get involved in his credit system. I called again and got a woman. I said I wanted to pay by Visa. This lady took my information and said the first guy had made a mistake and enlisted me in the Dell system to get credit.

I paid off my Dell computer in Feb 2007. Now suddenly on May 4 2007 I found a $50.00 autopay debit from my checking account! I had autopay set up, for $50.00, on the 4th of each month. But then I had to file bankruptcy, Dell wanted their money or the computer, (why I don't know, it is over 3 years old!), so I paid it off with my tax refund.

When I bought a Dell E1405, I was offered a credit card, and took the offer of paying the whole amount in 6 months. (July)I might have misunderstood that I have to pay a minimum payment each month. I got a call from India regarding this miss payment, so I decided to pay it all on May 4, 2007. The supervisor took my bank routing number and account no. ao it can be taken out of my checking account.

We purchased a dell computer last year via our Dell business credit line. We paid it off in Dec of 06 using an electronic check. In Feb, Dell contacted us and informed us the numbers had been transposed incorrectly from the check, even though we got a confirmation during the transaction. They informed us the account had incurred a late fee because the Jan payment was not made. We went ahead and gave them another electronic payment to pay the balance in full.

I purchased a Dell 1501 Inspiron for my wife on 12/11/06 using thier Dell Preferred Credit Account. The terms that were reported to me were 12 months 0% then 29.99% thereafter. My bill today (3/21/07) is showing finance charges @ 29.99%. I asked Dell to research my bill and they said that the computer I bought did not qualify under that program. I was told that unless I could find paperwork stating 0% for 12 months I had no other options other than to pay the 29.99%. I will never again purchase any dell equipment or services.

I purchased a notebook on January 07, 2007. I was told that I should take advantage of the 6 month no interest offer rather than putting it on my Visa and divide my total amount into 6 payments. It would help her out. I explained that if it would delay shipment that I would rather put it on the Visa and of course would pay it in full when the bill came. Gina took great pains to develop a relationship with me so I agreed to finance with Dell. Since the initial order I have spoken with Gina 3-4 times on the phone.

I purchased a new DELL computer through their preferred customer program. I was told over the phone that I did not have to pay ANY interest or make ANY payments for 6 months. I was told: August 2007. I afterwards received yet another phone call from DELL financial services and the customer service person informed me that they needed to regather my financial information. Apparently someone at DELL had made a mistake when processing my preferred customer account? They were never clear about this.

I bought a Dell Inspiron on line on November 5, 2006. I was approved for free financing for a year. I received my bill in December and realized I was charged finance charges. I e-mailed Dell and no response. I paid the monthly payment. Still in January no response from Dell. I emailed Dell in February, made my monthly payment and sent in a letter still but no response.

I ordered and recieved a computer from Dell in Oct 06. It is now March and I still haven't received a bill.

I purchased a laptop computer for my girlfriend in December 2006. The Dell website was promoting a 12 month interest free credit card and I decided to take advantage of it. They were able to tell me right away that I was approved and I was under the impression I qualified for 12 month no interest fee. My first bill came in January and there was no finance charge. The second bill came in February and I was charged with 2 finance charges for both months. This was due to the fact that they decided to give me a 21% interest rate instead of the interest free card I thought I was getting. Keep in mind that there were no late payments on my behalf on this card or anything for that matter since sometime in 2001. I immediately called up Dell to discuss the matter. They said my best options were to either pay the amount in full or to return the computer. Option 2 was even worse, am I really going to tell my girlfriend I have to take her Christmas gift away? I finally got a manager on the phone and he gave me the whole run around and finally decided to tell me that my credit wasn’t good enough and I did not qualify for this promotion. I told him my credit rating was 715 and that I would like to know what the criterion is for the promotion. He was unable to answer this question and told me there was no way to find out the answer. I eventually called up and transferred the balance on to my Visa card.

During on line purchase of computer, I was approved for 18 month no interst loan account. After purchase, I was arbitrarily assigned to a very high 21.24% interest account.

I bought a Dell computer and financed it through Dell Financial Services. This year in March I called for a payoff and sent them a check. The next month I got a bill for $1.78 plus a $10.00 late fee which didn't like but paid anyway. The next month I get another bill for $0.40 and another $10.00 late fee which I refused to pay. They keep on sending me bills that I do not owe and I have talked to customer service to no avail and to every Indian that calls from collections but none of them seem to want to fix the problem.

Purchased a Dell XPS computer with all upgrades was offered free interest for 18 months. The sales rep forgot to tell me the printer is not included and interest will be charged to the account! Also I was charged for each item, I have asked 4 times for an itemized bill since some of the items were suppose to be given free. I am still waiting on an itemized bill statement. You cannot escalate the issues or problems up to higher management - the website is a joke and customer service and tech support is worst.

I puchard a top end Dell PC in June 2005. At the prompting of the Dell Salesperson I used Dell Financial Services to obtain several months interest free. At the end of the period I used a debit card and paid the purchase price in its entirety. The PC began to fail after approximately 6 months. Dell replaced it with a substandard model. They admitted their mistake and replaced with a second p.c. The second failed completely with 10 days (both hard drives died). They agreed to a complete refund BUT credited the Dell Financial Account rather than issuing a check. I have spent the last THREE months attempting to get my refund. Representatives of DFS say they have no idea when a check will be issued. James Reyna, Manager of DFS, will not return phone calls. Countless email and phone calls have gone unreturned.

My daughter purchased a computer from Dell and apparently financed the charges. At the time she was in college and gave them my phone number. Dell says that she owes them money.

I ordered a $3,300 system from Dell. I was operating an internet sales business and had intended to purchase several systems from them. I was told 12 month free financing. When the computer arrived it had damage that I repaired and didn't bother Dell with. When the first bill arrive they were charging me a high interest rate instead of what they told me. Dell told me they couldn't change it and the only solution was to return the system.

Ordered Dell notebook, printer, cable, etc. online at more than $1,500. Got Dell financing arrangement. Received confirmation number with wrong billing address (different from delivery address). I had given them the proper address. Service rep at first asked me to send him the correct address on my stationary, which I refused and cancelled the order. Then, he recommended that he could transfer me to their financial department, which I refused. I then asked him about the various service contracts that I was charged for, and he offered to transfer me to yet another department. I cancelled the order.

I bought an Inspiron B130 Intel Celeron Laptop Computor on-line from Dell. Their offer was if you applied for a Perferred Credit card, and you purchased your PC you would get 18 months interest free. Which I did. 3 months later I get a bill that included all the deferred Interest and the monthly interest totally about $42.00 I wrote the company sent all my stuff that states the interest free and they now try to tell me that I was only entitled to the 3 months of interest free.

I have several items financed on my Dell Preferred Account at an annual interest rate of 23.99% which corresponds to a daily periodic rate of .06572%. I have a credit limit of $3,000.00 that I have never exceeded. Just recently I made Dell authorize the return of a piece of junk laptop at a depreciated amount. Since it was an authorized return, Dell Financial Services also issued me a refund of interest charges on the depreciated amount. In the process of returning the junk laptop, I ordered another laptop and charged that to my charge account (still within my credit limit).

Dell Computer simply cannot figure out how to bill and collect money like any other normal company in America. I have never seen so many people that cannot speak english contact our company about past due invoices. Dell's accounts receivable start calling the day the invoice is due. If they cannot reach the person who handles the bills at our company, they will call anywhere from 5 to 10 times a day. They cannot speak or understand english, so it is near impossible to really talk to anyone. They understand the words check by phone and that is pretty much it.

I puchased a desktop XP computer in June of this year and was told that I was on a preferrd customer list and could have 18 months to pay intrest free Then I started getting my bills and they showed I was being charged 23% intrest.I called customer service and after many long pauses I was told that I did not qualify for the no intrest plan.Needless to say I will never buy anything from Dell again. I paid off my bill in full.

At the beginning of April 2006, I lived in Florida and completed a credit application online at the Dell website. I decided not to order a computer. Two months later, I was notified by Dell that I had late payments for a computer that was ordered 4/17/06 and shipped to North Carolina! I informed them that I had not ordered anything from them since 2001. They then stated that someone else had ordered it in my name and had charged it to my Dell Preferred Account! I inquired about the address it was shipped to and the name. Dell informed me that they could not give me that information! This appears to be the work of an employee!

I recently purchased two computers by phone from Dell.

Dell Financial Services has charged me a 19.99% deferred financial charge without informing me in writing of this financial charge. There was no indication or instruction anywhere on the bill or the original credit application of how much or when this finance charge would be applied.