Dell Financial Services ruined my credit score , resulting in financial harm Austin Texas

The individual had requested several times for a change of address.  While you may be right that he or she is still responsible for sending in payments, the overall complaint is that the representatives she spoke with were unwilling to do their job properly and as representatives should have offered them the opportunity to make a payment.

Just because it is your responsibility to pay your bills, it is also the responsibility for company officials to provide the means for paying your bill.  IE someone needed to say would you like to pay your bill now?  I can assist you with that.

The complaint is about bad customer service. 

If your credit score is so important to you, then why did you never contact Dell to let them know that you haven't been receiving your bills? Not receiving a bill does not mean that you owe nothing. Ever think that it may have gotten lost in the mail? Or your address incorrect?

A responsible consumer would have:
1- Called Dell to resolve the issue and arrange to start receiving bills, OR
2- Called Dell to find out how much they currently owe and make a payment over the phone.

Dear Robert:

I used to work for the credit card industry and when I read you Rip-Off report reminded me of my former customers. As responsible consumer we cannot hide ourselves on the fact that we never received a bill. The fact that we never received one does not mean that we do not have to pay our dues every 30 days. DFS has a website and also a number that you could have called to request the amount to be paid and where to send a payment, not only that but you could have paid over the phone. No offense but I don't think is the company's fault. I think it was solely YOU.
Thanks,

Jessi