Dell Financial Services

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DFS, Inspiron 1545, V515W Printer, Lost Payments, Check Free, No Help
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I made the mistake of ordering a Dell Inspiron 1545 laptop and v515w printer a year ago. Needless to say, the laptop and printer never worked and I spent untold hours with Dell techs who did their best to help. They know they have a terrible product and try anyway. Hats off to the techs who were unable to resolve issues Dell causes. At least they tried.

When I tried to resolve the horrendous issues with the screwed up billing, lost payments through Dell vendors and assignment of late fees for payments made and then lost through Check Free, I spent hours talking with DFS. Their lack of response is breathtaking.

I have been through hell recently with a representative in Austin who, I thought, finally might help resolve anything with the mess Dell created. Instead of helping, after I sent reams of information to the Dell research team, I got a stunning lack of performance and now have a higher balance, no help, assignment of fees, creative accounting including a higher balance due and no calls back from anyone re this disaster.

I have never seen any company behave as irresponsibly and unethically as this. I am still trying to find a way to deal with this technical and financial disaster. Dell has nearly put me out of business all by itself. What an achievement when all I wanted was a working laptop and printer. They have single-handedly caused me and my family income, a business and peace of mind.
I can't afford another computer and printer. Why should I have to buy one? This Dell system is still new.

When a company refuses to deal with a service regarded as crucial to a new business, it affects more than just work product. It can ruin a start-up's future as competitors are free to continue with customers while a new business deals with fouled-up basic communications and work product with a company like Dell.

This needs to change. It is not enough to vent on sites like these. Dell needs to be brought up short re these situations and until consumers of Dell products can find a way to reach a resolution with Dell, consumers across this country will refuse to buy. Maybe that will take care of these ridiculous products and policies which cause untold hell for consumers. There are over 800 complaints against Dell on this site alone.

When does someone in Washington decide that consumers, especially in business, deserve some redress from Dell and its outsourced products? When does anyone decide to hold their financial services division accountable for their well known ripoffs? This harms businesses and consumers and is acknowledged by everyone I know in business and elsewhere.
I will never buy Dell or recommend any of its products to anyone, least of all to any fellow business owners.
When does a class action start for Inspiron 1545 laptops and v515w printers? Please count me in when someone starts one. I will be there.
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trmn8r on 03/09/2011:
You wrote a fairly long letter, but it isn't "needless to say" what was wrong with the computer and printer. If the computer never worked right, was it sent back to Dell? You talk about a possible class action lawsuit for the computer and printer, and I am sitting here wondering what is wrong with them that would merit a lawsuit.

Dealing with Dell's support and DFS is bottom of the barrel - befitting of an undeveloped country whose inhabitants survive on surface water and grubs.
getoverit on 03/09/2011:
trmn8r is right about dealing with Dell Support - it's really lame. I have no experience with DFS.

I also wonder what basis there might be for a lawsuit. If either or both product were truly defective, Dell's obigation would be limited to replacing or repairing them, if their still under warranty. I'm sure they have made all kinds if disclaimers about lost data, lost time, or anything else that might be negatively impacted by a falure of one of their products.

And I expect that any business person would understand that.

azRider on 03/10/2011:
its not real clear to me if the issue is dell hardware or the finance dept at dell. Are you paying for something you did not get? if so, stop paying. if you go to court show the judge you did not get it. now its hard to believe your business would fail due to a laptop. really, laptops are cheaper than some TV's. you can get a good laptop for under $400. and if your business needs $400 to survive you got more issues than a laptop can solve. try to leave message on what is actually wrong with the machine. if its financing try to say what it is you did not get for your money.
danny54 on 03/10/2011:
I've purchased several computers with Dell, many of which were financed through DFS. I never had a problem with payments being applied as I paid directly through the DFS website as opposed to a 3rd party such as CheckFree(which I also use with no problems).
Dantecircle on 06/19/2011:

And since Dell never provided the working items, found the payments I made, answered questions, fixed anything, provided any solutions, made any effort to follow up on repeated attempts to resolve the issues they created, we now see the usual calls made multiple times to my business cell and home. This is to be expected from DFS.

Small claims is no answer.

I have already gone through all means of getting Dell to do what it promised. The techs tried. Everybody knew. No one did anything.
Read the original entry for clarifications.

The ridiculous insult to the techs is not mine. They were great.

Best advice: don't buy Dell for any equipment or computers of any kind. Run the other way when Dell is suggested.

There are over 800 complaints on this site about Dell. Read and learn. Buy another brand.
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Harassment! I Get 20 Phone Calls A Day... Even If I Spoke To Them The Day Before!
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BOSTON, MASSACHUSETTS -- I work for a company in Boston with 50+ employees and ever single employee has a Dell computer which is leased. We pay almost $4,000 a month to Dell for computers that are 7 years old. Leasing computers is a VERY bad idea. We've been in business for 50 years and happened to have a bad year this year falling behind in some payments because of cash flow. Dell happened to be one of the accounts that got behind one or two months but we consistently made monthly payments. Even though we were making monthly payments we were still ALWAYS behind a month and just could catch up. Dell has an automated call center that calls customers with past due invoices on a DAILY Basis. Even if you talk to them on a Monday and tell them you won't be able to pay for another 15 days they will call you again on Tuesday, Wednesday, Thursday and Friday.

On top of that. EACH computer has their own invoice # and the calls are made for EACH invoice. On a daily basis I get 16- 20 phone calls from DELL EVERY day. I told them it was harassment and they don't really care.

They said "its an automated call system and there is nothing they can do about it" Don't lease your computers from DELL... its time for us to get new computers and will be going somewhere else.
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clutzycook on 03/24/2011:
Even if you leased your computers from Joe-Blo's PC World, they'd still be calling you wanting their money.
trmn8r on 03/24/2011:
Any company that is due $4000 a month, and doesn't get it on time, is going to be upset. I know I would be, if I loaned someone money.

The difference is in how it is handled. With a mortgage, you'll get a few letters and within a few months you'll be in foreclosure. No phone calls.

On the other extreme is something like Dell Financial Services. You'll get your normal bills, and maybe a letter. But you'll get a bunch of phone calls.

I don't think the matter of whether leasing is a sound financial strategy is very relevant here. The bottom line is your company is struggling to pay this and other bills. Good luck.
Anonymous on 03/24/2011:
Clutz> I'll have you know that Joe-Blo's PC World down on 24th Street would never lower themselves to such standards as asking for money that is due them.
trmn8r on 03/24/2011:
Actually, Joe-Blo's went out of business - too many customers defaulted on their loans.
SteveWiginowski on 03/24/2011:
Is it Dell calling or a collection agency for Dell? Would it be better if they just sent this account to their lawyers to take your company to court to pay (and do it on a regular basis)?
MRM on 03/24/2011:
I don't mind any businesses bothering me since its being called on my disposable phone which is pre-paid and you can silence the ringer.
Anonymous on 03/24/2011:
azRider on 03/24/2011:
sounds to me that the issue is not calls, its the business not paying. last I checked being a month behind in any bill is a bad thing. just cause you pay it late does not make you a good customer. the issues here is not dell, its your business. time to start cutting, maybe you need to layoff some employees. maybe some other items need to be cut. time to make hard decisions. if you lay off two employees you cut the bill for the computers down by returning two of them, plus you save on payroll and taxes. with that savings you catch up on the bills and try to recover. I know its hard but sometimes you have to make tough choices or fail in business. right now its clear your cash out does not equal your cash in. time to cut.
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Worst people to deal with and they are worthless cheats
Posted by on
Please everyone, do not buy a Dell if you are going to finance it. If you pay on line and have them take out the date it's due than Dell Financial Services will charge you a late charge. They have been charging me for over a year until I found out what they were doing. The refused to refund all my money and told me that they service they deal with will take the money out on the due date but it does not post to them until the next day. I have closed my account and will never deal with these people over in India again. They are the ones that own Dell! Don't buy a Dell.
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Alain on 01/25/2011:
When you get your next computer, save up ahead of time and buy it outright instead of financing it.
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Inability to Correct Issues
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We lease several computers through DFS. They had our address wrong on one of our computer leases (transposed 2 of the digits in our PO Box number) so we did not receive the invoices. I tried many times to correct the address error, each time I was assured it was corrected, but it took over 9 months to actually correct. When our payment was late, due to not receiving the invoice, we would get daily calls from collections that bordered on harassment. Each time I would explain that if they sent me an invoice, I would pay promptly. Each time I was told that the invoice is just a courtesy and I need to pay with or without it. So, I sent payment for this account without the pay stub but referencing the account number on the check, and they mis-allocated the money to another one of our accounts. Then the collections calls started again. Every day I had to explain the situation to someone new, since apparently they don't take notes on the conversations. Finally they discovered the mis-allocation and said that to correct it I needed to send a letter authorizing them to transfer the money to the correct account and a copy of the front and back of the original check. I don't understand why I had to go through all the extra work and effort (my bank does not send cleared checks back to us) when this was 100% their error from the beginning. I paid all of my invoices on time and paid even without the invoice yet I was treated like a criminal and harassed for money that I had already paid. The icing on the cake is that I asked to make a formal complaint to corporate and was told that they do not take complaints!
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trmn8r on 10/29/2010:
I have dealt with Dell Sales, Dell Financial Services, and Dell Customer Noservice. The last two are strikingly similar in their uselessness. The first one is happy to take your money as fast as possible.
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A Warning to Dell Financial Account Holders
Posted by on
BUTTE, MONTANTA -- I would like to caution Dell Financial account holders that IF they have an open account which hasn't been used in several years or more to immediately close it out!

Even though alerted someone had accessed the account, and they said the purchase had been stopped, I was notified that I had to pay the $1,000 forgery to the account.

I did all they requested, calling, answering questions, filling out forms to no avail.

This Service seems to be run by conniving, money-hungry people who thrive by bilking their customers and giving them a royal run-around when
pursuing resolution of problems.
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Anonymous on 03/08/2009:
This is a follow up to your posting of yesterday. You do not have to pay. If you can access the account online you can see all the activity. Your local consumer protection people may be able to assist.
Soaring Consumer on 03/08/2009:
Did you get any response from the Attorney General or the Federal Trade Commission?
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Declined But I Have Excellent Credit
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WARNERVILLE, NEW YORK -- By the advise of a friend, I wanted to order a Dell Laptop for my son for Christmas. I called Customer Service to process my order and they sent me to their financial dept to check my credit. They declined me. I have a Credit Score of 783 and did not understand why they were declining me. The Rep told me it may be because I have a PO box mailing address, a residence address, and a different ship to address for the laptop because it had to be signed for. I appealed it and they called me back at work the next day at a time when I was not available to take their call. I called them back from work and was told their computers were down and call them back in an hour. I went home early and called them back from my cell and they wouldn't process my order because I was not able to call them back from my work phone.

These people are ridiculous. I did order the laptop, but put it on my Mastercard who has been more than willing to give me credit for the last 15 years. I can buy a brand new car at sticker price but cannot purchase a 500.00 computer.
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woodsk1 on 11/19/2008:
Consider yourself lucky- There credit sucks!
Anonymous on 11/19/2008:
You probably have a better interest rate on your MasterCard than Dell would have given you for their personal financing. It sucks you had to go through the hassle. I am sure your son will be thrilled with his Christmas gift. Not telling you how to parent, but remember, if there will be internet access on the computer do not let him keep it in his room. Keep it out where you can monitor his usage, what sites he visits and who he "chats" with. Anyway, that's My3Cents. :)
Anonymous on 11/19/2008:
I agree with everyone else, you are better off using your MasterCard. If Dell Financial had come through the first billing would have been a shock. Nothing they would have told you about the financing would have been true.
lobo65 on 11/19/2008:
Based on the complaints against them on this site, I would stay far away from that company. Consider yourself fortunate they turned you down.
Slimjim on 11/19/2008:
Agree with the others. Dell credit is nothing to write home about. They did you a favor and just by the fiasco performance of theirs over this application, you can get the sense why you were lucky after all.
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Dell Financial Services -lowered My Business Limit & Worse!!
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MONROE -- I have been a Dell Business and personal account holder for over three years now.

My Business account with Dell Financial Services has always had a credit limit of $10k. The highest balance I have ever had on this account was $4k. I have always made at least minimum payments on this account with NO LATE PAYMENTS.

Yet, I noted two billing cycles ago that my credit limit had been reduced to my current balance. On the current bill, DFS shows that, although I have continued to pay the minimums on time, that I am now "over my credit limit as adjusted based on my credit report."

I was told I should contact the credit reporting agency. After much frustration on the phone with someone who spoke broken English, I am at my wits end.

Although I NEVER exceeded my credit balance, have not had any new charges in months, and have always paid on time, DFS is now reporting me as "above my credit limit."

I will NEVER buy another Dell product. Closing and paying off these two accounts as soon as I can. Will be reporting this to the BBB and monitoring my credit report and appealing as necessary.

Be VERY CAREFUL in dealing with DFS (Dell Financial Services)...they are up to no good!!!


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Anonymous on 07/18/2008:
Complain to your heart's content. It will do no good. All creditors are tightening the screws and not just Dell. They are doing this by lowering lending limits to reduce their exposure when consumers fail to pay their bills. Citi is posting losses and the credit market is shrinking. If you need a line of credit for your business, you can get a better deal at a local bank or credit union.
Anonymous on 07/18/2008:
Be thankful they lowered your credit limit. DFS is well known for being the most crooked finance company around. You need to pay off everything you might owe them. Then start buying from another vendor. Oh, make sure you get a zero balance letter from DFS or they will hound you forever for fees you never knew about.
Joef on 07/26/2008:
Got several phone calls and emails from "Dell Financial Services" regarding a past due account. They mentioned a person, who I have never heard of. Called them back and they were rude, demanding payment be made on the past due account or legal action will be taken.

Fact is, I have never purchased from Dell Financial, anything period!

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Phone Harassment by Dell Financial
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I am continually receiving calls from Dell Financial Services for a personal with a similar name to mine. When I inform them that no such person resides here they reply *Are you sure?* - Well, of course, I'm sure. I have been nice, I have been polite, I have been nasty and rude. It doesn't matter, they just don't get it. They have repeatedly promised to remove this number(and it will be quiet for a while - then the calls start up again). I have never owned, nor will I ever purchase any Dell products if this is how they treat people.

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Anonymous on 05/18/2007:
Ask them to mail you the debt information in question and then demand they stop calling. When they ask for your address refuse to give it to them as they should have in their system. On the phone do not confirm or deny an address they have. They have 30 days to respond. By law you have right to demand they communicate in writing only. If they continue to call either refuse to allow them to record the call or say that you are recording the conversation. They will hang up immediately. I know that works because that's how I handled them at my business. After 4-5 more calls they stopped.

However, you might be a victim of identity fraud. Consider that they have a similar sounding name and your phone number. Check your credit report online for free at This is 100% legit web site operated by the three major credit reporting firms.
Noneill on 05/18/2007:
I was thinking maybe ID fraud too. Good advice.
imjustasteph on 05/18/2007:
When you tell them to stop calling, by law they must do so. Make sure they know that you know this.
Anonymous on 05/19/2007:
Unfortunately telling them to stop calling usually doesn't work. That's because they are not calling from the U.S. Really the best way I've found to get them to stop is as I stated above. Every time they called my business they stated the call was being recorded I refused permission and they immediately hung up.
imjustasteph on 05/20/2007:
Also, when they call my house (routinely for some woman with an unpronounceable name, who presumably had our phone number years ago....) They say "Could I speak to Nancy Clydowski?" (Or whatever the heck it is...) I say "You sure can! That is, if you dial her number." They act all confused...."Excuse me?" "Yes, you can speak to her, if you dial her number. This isn't it. But if you call her number, you absolutely have my permission to speak to her." They usually hang up at that point. Some even apologize, although it's pretty rare.
Sad Eyes on 06/26/2007:
I thought I was the only one that was having harassing calls from Dell Financial Services. They keep calling asking for someone with the same last name as mine, but I don't even know the person! I go through their menu options if I happen to answer and chose the option 'if this is not so-and-so, press 2'. I have also personally called them back on 4 occasions and talked to a human, who ASSURED me I would no longer receive these calls. I started out nice, the last one last night, I got rude and nasty. I asked for an address and the lady told me she was in India. Am I shocked? Of course not. I called my phone company today and there's really nothing they can do short of changing my phone number. She suggested I call the police to at least lodge a complaint. Not much can be done with calls coming from outside the US. Has anyone else had any success with getting rid of these annoying calls???
cataclyzm123 on 10/19/2007:
I have never had a Dell account, but it seems they are trying to collect debt by looking upo their debters in the directory and then calling over and over again. I have asked for supervisors and managers and they just put me on eternal hold each time. THey tell me they will take me off the list, but I keep getting calls. I am reporting them to the BBB and hopefully the calls will stop. I suggest playing games with them. When they call, just say "Hold on." then put the phone down and let them wait. Or have some fun with them. I told the last guy who called that he is calling a house where there was a murder and start asking questions. "Were you her lover? How do you know Ms. Watkins? They are easy targets for jokes. If you are the person they are looking for, do not give them any information. Do not waste yout time with them because they don't listen anyway.
redneckgirl27 on 12/13/2007:
I don't even have an account with Dell Financial at all. They called my house about 20 times and I tried telling them they had the wrong person. They kept asking if thy could just talk to my husband they could clear up this situation. I told them that there was no need because we had no acct. Even after talking to a supervisor she said the sme thing. I finally lost my cool and told them they were breaking the law, first by talking about someone else's prsonal acct., then by harassing me and my family. This was even after them verifying that the address wasn't even a match to the one they had on file. Now if I end up receiving a bill in the mail there will be you know what to pay from me because it is not right for them to treat me this way when I don't even use them for anything.I don't know about anyone else but this is getting ridiculous when they just do a phone directory lookup and getthe wrong people. There should be some way to stop this phone harassment. I bet they wouldn't like it if we did it to them. Does anyone else feel the same way?
redneckgirl27 on 12/19/2007:
As I have written before Dell will not quit calling my home and this is even after my husband has told them repeatedly he has no acct. with them. I am at the point now where I am contacting the Better Business Bureau and looking further into this matter. I cannot take these calls anymore it is disturbing my family. What is there problem don't they understand. We don't even use any financial services. I've had it with the harassment.
jktshff1 on 12/19/2007:
Most areas have caller ID. Don't answer.
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Don't EVER, EVER, EVER do business with Dell Financial Services!!!
Posted by on
Dell Financial Services is an absolute NIGHTMARE! They use every loan shark policy in the book. You will be harassed in the middle of the night, on weekends, and on holidays for their mistakes. They will not answer email or letters. Phone calls are from/to non-English speaking robots reading scripts. BEWARE -- IF YOU DEAL WITH DELL FINANCIAL SERVICES, YOU WILL REGRET IT!!!
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*Brenda* on 09/27/2006:
I wouldn't regret it because I pay on time. :)
SMelly on 09/27/2006:
Dell is horrible!! I totally agree!! Their interest rates on their loans are ridiculous!! My boyfriend has perfect credit...they gave him such a high interest rate!! I still don't understand why he bought the damn thing!! Their computers don't even last as long as other ones!! Every month when he makes the payment, he's only paying the interest rate!! We've had the computer for 3 years and I don't think the amount of the loan has gone down much!!
Ponie on 09/27/2006:
SMelly, does Dell *demand* you use them to finance a purchase? Doesn't cash work? If your boyfriend has such perfect credit, why didn't he go to his bank/CU to borrow the money? If you've had the computer for 3 years and only paying the 'interest rate,' I don't believe that credit is so perfect. Not making payments when due will do it every time. Don't blame Dell.
TexasLady on 01/27/2009:
28.43% interest rate for me! I will NEVER do business with Dell again.Tech support is horrible ,unless you can by some miracle actually understand the "tech" or get him to understand you!!Live and learn.
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