DELL FINANCIAL SERVICES, DELL COMPUTERS! RIP-OFF! Austin Texas

I can't agree more with all the other complaints. I paid my supposed "6 months same as cash" account off in June 2002. I was informed AFTER I received my computer (and too late to return it) that I hadn't qualified for that plan, but they had extended me credit. Up until December I received monthly bills showing my balance at $320.00 (it started at $47 in July 2002 even though I had paid the account in full).

Dell Computer could not repair the problems I had with the computer and as it was too late to return, I asked for service under the "at-home service agreement" that I had purchased. They told me I was not in an area that they could send a tech to, and that they would credit my account for the value of the "at-home service agreement". They did credit me approx. $114.00, but Dell Financial can't find it, and now they have reported me under TWO accounts - one as 120+ days delinquent, and 1 as a chargeoff! It has been TWO YEARS.

I recently got denied credit to refinance my home. This is the ONLY derogatory showing on my credit. I have fought it through the credit reporting agencies, but Dell Financial continues to report back that it is NOT an error (even though I have WRITTEN proof from Dell!)
I do believe it's time to stop Dell. Can't we do a class-action?

Diane
South Lake Tahoe, California
U.S.A.