Complaint Review: Dell Computer Corporation & Dell Financial Services
- Dell Computer Corporation & Dell Financial Services
PO Box 81577
United States of America
- Phone: 800-283-2210
- Category: Computer Dealers
Dell Computer Corporation & Dell Financial Services Dell's "No Interest" Plans Designed to Mislead Customers Austin, Texas
*Author of original report: You Should See Dell's Statements
*Consumer Suggestion: This is how it works
Dell customers BEWARE!!! I ordered a Dell computer and monitor in March of 2009, arranging installment payments. On all the lengthy, confusing monthly statements, Dell shows a minimum payment due, and new optional "11 yr & 3 yr" payment plans," plus a "Daily Periodic Rate" (0.07463%) and an "Annual Percentage Rate" (27.24%). On 4/29/10, Dell notifies me that I owe $406.67 IN ADDITION to my previous balance! I thought it was a late payment penalty as this was the 1st time I forgot to pay my Dell account on time. No, they say, they charged me $39 of the $100 I sent them for the late penalty. I'm fine with that. The $406.67 is interest, they say, due them because I didn't pay off my purchase within 1 year.
Dell says there's a note on the billing statement telling me about that. I have to look very hard to find it, but it's there. It is quite a shock to find that overnight my Dell balance owed has gone from $900.00 to $1348.47!! This is just a deceptive, unethical business practice, if not out-right fraud. Instead of sending me a bill for this deal they say I allegedly signed up for, (12 months interest free), Dell sets up the customer by sending them a bill every month for something different -- a longer payment plan that is deliberately designed to mislead people into paying a lot more for their purchase.
I'm not a CPA and you have to be one to understand Dell's statements. They count on that so they can make the majority of consumers, like me, fall into this trap. I cannot believe Dell is getting away with this deception and some class-action lawsuit hasn't stopped them! I got slammed with $400 more: surprise! I never signed anything with Dell. I do not plan to hire an atty as that would cost more than $400. I am going to file a complaint with the FTC, however they only store information. All I can do is warn people and that's my mission now.
This report was posted on Ripoff Report on 04/30/2010 10:16 AM and is a permanent record located here: http://www.ripoffreport.com/reports/dell-computer-corporation-dell-financial-services/austin-texas-78708/dell-computer-corporation-dell-financial-services-dells-no-interest-plans-designed-t-598593. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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