• Report: #401904
Complaint Review:

Dell & Dell Financial Services

  • Submitted: Tue, December 16, 2008
  • Updated: Tue, December 08, 2009

  • Reported By:North Charleston South Carolina
Dell & Dell Financial Services
Dell Financial Services, Plaza 35, 12234 North I.H. -35 - B, Austin Texas, 78753-1705 Austin, Texas U.S.A.


*Author of original report: Credit Defamation

*Consumer Suggestion: Dell Financial Services

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I purchased a Dell Computer System via a phone conversation with a Dell Sales Rep. named Cindy and was told that I would have 6 months of no interest and no payments and that prior to the end of the 6 months period, I could pay off my original balance with my Master Card. I also ordered a wireless mouse which I have never received.

Shortly after receiving my computer, I received an invoice indicating accrued interest and a payment due. I was not alarmed as I had been confirmed as NO INTEREST and NO PAYMENTS for 6 months. On my next couple of invoices, I was accessed late fees as well as interest. I have called numerous times to resolve this with no cooperation. I finally made a large payment and did pay off my entire purchase balance prior to the 6 months. I completed my purchase according to my agreement with Cindy and verified the terms with her several times.

Now Dell says that I owe more money and I refuse to pay it as it is only bogus late fees and interest on the late fees. Has anyone else experienced this? Most of the people that I talk with are in India, Kuwait, the Philippines or some other foreign country, and I can never talk with any one who understands and no one can find Cindy to verify what I was told or even allow me to review or hear my original conversation as I know it was recorded for training purposes. BAD DELL - -BAIT AND SWITCH!!!!!!

Some of this data is new and may be helpful to me in resolving my situation, but I do not place much faith in it or Dell. I have sent numerous emails, faxes, and made numerous calls to Dell including the Dell Financial in Austin, Texas. It appears they all have a 1 track mind, 1 track answers and cannot think or resolve issues by themselves. They all treat me the same, like I am a bum not paying my bills, and have even been called that by one of their employees.

I am steadfast in that I do not owe the money, as it is only bogus charges derived from the late fees and interest assessed as a result of their changing our agreement after the purchase was made. Dell tells me to call Dell Financial and Dell Financial tells me to call Dell or the Pentagroup Financial Collection Agency (which is also a part of Dell.)

They in turn say they cannot do nothing unless Dell says so and Dell says it is out of their hands as it is now in collections, etc. It is a vicious circle and I am caught in the middle. I do not owe the money, will not be paying it, and may take my case to a small claims court if the charges are not removed and my credit file cleared. I am a 63 years old Vietnam Combat Wounded Purple Heart Veteran, retired after 32 years in the Marine Corps, and retired 18 year Federal Employee and do not appreciate this type of service or insinuations. I am honest and would not try to get something that I had not agreed to.

All I can say is if Dell wants to pursue this, then I will let the world know of their deceptive practices with all the resources within my power, friends, web sites, blogs, etc. I paid 100% of my purchase within my alloted time and do not owe them any more and will not be purchasing any more Dells in my lifetime!!!!!

Again, thanks for your reply and data. HOW about a CLASS ACTION LAWSUIT on DECEPTIVE SALES and COLLECTIONS PRACTICES?????

North Charleston, South Carolina

This report was posted on Ripoff Report on 12/16/2008 10:48 AM and is a permanent record located here: http://www.ripoffreport.com/reports/dell-dell-financial-services/austin-texas-78753/dell-dell-financial-services-deceptive-sales-practices-bait-switch-austin-texas-401904. 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.

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#1 Author of original report

Credit Defamation

AUTHOR: cwo4mc - (U.S.A.)

   As of today, I still have not had any resolution to my situation with Dell Financial Services or Dell and now there is a negative report and a collection on my Credit Report.


   How can a Dell agree to a Class Action Law Suit Settlement for the same reasons and still put a negative report and collections on my credit file for the same thing that they agreed to settle for???


Has anyone else had this problem and possibly filed a suit in small claims court with any success?   I would like to hear from anyone who has this problem.

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#2 Consumer Suggestion

Dell Financial Services

AUTHOR: Comments - (U.S.A.)

The government has files suit against Dell and Dell Financial Services.

"Dell lured consumers to purchase its products with advertisements that offered attractive no interest and/or no payment financing promotions. In practice, however, the vast majority of consumers, even those with very good credit scores, were denied these deals. In a classic bait and switch scheme, DFS instead offered consumers financing at high interest rates, which often exceeded 20%. Dell and DFS frequently failed to clearly inform these consumers that they had not qualified for the promotional terms, leaving many to unwittingly finance their purchase at high interest rates."
Phone sellers were found to use deceptive, pressure filled selling tactics to sell to customers.

First have a detailed account of what happened with date and people names who you've contacted.
Then contact all the following:
1. Michael Dell: michael_dell@dell.com. Let him know that you are aware that Dell has already been sued by states for deceptive practices and that you want this to be corrected ASAP. Your request will automatically receive high priority.
2. File a complaint with the better business Beaurau.
3. Contact your State Attorney General. This person groups all the complaints against Dell and then files suit against the company on behalf of customers.
When you send a letter to this person, also provide some of the other law suits other states have files against Dell:
All of these cases can be found on the internet and on the Better Business Bureau site. This will help the attorney general see the merit of your situation.

Taking these steps will ensure that your request receives attention.
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