Dell Financial Services Harassment Calling 5 times a day when payment is made Dfs Online Nationwide

Ok, two things here for you...

If you made a payment online through the DFS website, it WILL have given you a combination number similar to this: 8XN5Z-9Y52K(obviously yours will be different)

On a side note, if you are less than two months behind, DFS outsources some of it's early collection work to outside agencies (about half stays with DFS internal collections, but half gets outsourced. It's a business practice DFS uses to increase the percentage of accounts that are brought current.) If yours was an account that was internal to DFS, they would have been able to track your payment online (I think if you call DFS customer service they can also do this) but if it was with an external agency, we do not have the ability to do that. We can only track payments made by phone. Hence why they say 48-72 hours, because it will post to your DFS account the same day, but it will not be shown as paid to an external collection agency for a day or two after that when our databases update to reflect payments made on our accounts.

In regards to the phone calls, within the first two months DFS is not required to follow the Fair Debt Collection Practices Act (FDCPA for short). Also, when they outsource it to an external agency for the first two months, they collect as if they were DFS(Yes, when I answer the phone for those accounts I answered as DFS) and we are bound by the same policy. For the record, DFS does require us to have a certain level of call quality, but monitoring is not quite stringent. Officially, you may be called between the hours of 8am-9pm, seven days a week. (Your local time)

But to further avoid the phone calls, I suggest changing your phone number. Dump the landline, get a cell phone. I know that unless you physically entered your cell phone with DFS when you bought it, or have told someone that number over the phone, they won't have it. YES, we do have caller ID so if you call us on that cell phone that we DONT have it's fair game for us to call it in the future. So block it if you don't want us to have it.

Sorry if it sounds like rant, but I wanted to correct any misinformation here.