Dell Financial Services Complaint - - Terms of Credit

Posted by Sparticus on 2006-07-29:

Chaulk this up as ANOTHER reason not to buy a Dell. The first being their award winning crappy overseas customer service.

Posted by *Brenda* on 2006-07-30:

Did you even call and ask why? Yes, Dell sucks but I don't think it is fair if they just made an error and you didn't even call them. You didn't give them a chance to fix it. Personally, I'd never buy a Dell. There are great deals in the stores with rebates. I like to see before buying.

Posted by tatey70 on 2006-08-17:

To: Dell Financial Services August 16, 2006
From: Raquel Delatorre
Account# 6879 4501 2904 7415 636
Re: Delinquent Account

To Whom It May Concern:
Where do I start when it comes to this big issue? I Raquel Delatorre purchased a computer about two years ago and since then I’ve been a loyal customer and have made my payments on time (using auto pay). Well to my surprise I’ve had three incidents happen to my account where fraudulent purchases (2 different times) were made on my account due to Dell’s mistakes. Well I spoke to Dell Financial Services Reps and they came to a conclusion that it was their mistake and they took care of it. Now I have another issue and big problem with my credit and with a harassing collection agency. Today 08/16/06 a collection agency called my cell phone letting me know that my account was delinquent because I had not made a payment since June 2006. This is not true and can’t come to understand how that is my fault when I signed up for auto pay more than 2 years ago for Dell to be responsible of taking out my payment for me. I gave them authorization to do this and now they come out stating that I had not made a payment since June 2006??!! I’m seriously baffled and confused…how does such a mistake happen and how again is that my fault!!! Now my credit is blemished all due to Dell’s mistake!! I want this taken care of as soon as possible and my credit cleaned or else I will have to seek legal help in resolving this issue. Not only will I seek legal help but I will contact better business bureau and many other sources. I’ve enjoyed my desktop computer for the last two years and I’ve had no problems with it. But when it comes to customer service and how they treat their customers, well that is a whole different story. I have bank statements and dell statements that show that they have deducted my monthly due every month and a payment has never been missed. If they took out the wrong amount…how is that my fault…how do I have control over that?? I don’t….only dell has the power to change amount due and monthly payments. I need this looked into and taken care of. ASAP!! I want the collection agency off my back and my credit cleaned to where if I have to get a credit report I don’t want to see anything about a delinquent account with Dell. This is Dell’s mistake and I feel that they have to take responsibility for this. There is also a reverse transaction of $114.00 added back to my account….what is that?? At one point they had taken $114.00 out of my checking account because of the fraudulent purchases. My amount due per month had changed from $35 to $114…so in the month of June on 06/08/06 an amount of $114 was withdrawn from my account (see my bank statement for further info) and it was only suppose to be my $35/month and nothing else. Yet they proceeded to take out $114 and that is when I called Dell Financial Services (spoke to Angie 18002832210 x#7283688) and asked that difference be deposited back to my account or be used for future payments. They stated that it could not be used for future payments and for that reason it was going to be credited back to my account. That is when they ….notice I said they….stated that my monthly payment was $31 and they would deposit $83 back into my checking account. I was ok with that and so $83.00 was deposited back into my checking account on 07/10/06. Now that Collection agency calls me, harassing me, stating that I had not paid my monthly amount of $36/month since June 2006. If I’m not mistaken as time goes by and the balance goes down so does the monthly payment, does it not? So according to my records they were suppose to continue withdrawing $35 in June but yet they assured me that it was $32/month, so what am I to say?? First one said $31/month and then another rep stated that for the following month it would be $32…what?? Do I Disagree with them or listen to a so called experienced customer service rep?? So fine they stated $32 and so it was $32…so $31 was deducted in June and $32 for July 2006!!!!! Collection agency stated that I defaulted on my payment of $36….??????????? I don’t get it…I seriously don’t. I spoke to Carol (supervisor) rep#329253 on 08/16/06 and she stated that $114 was never withdrawn from my account and that Dell has not received payment since June 2006 (one more person to tell me this) yet I have all proof that $114 was taken out and payment for June and July 2006 were made (see attached bank statement and Dell Statements). So tell me, what you are going to do for me to fix this and clean my credit record. This is not the first time I’ve had problems with Dell. This is the 3rd issue already and I’m seriously sick and tired of all this. I’m sick and tired of Dell and its Representatives!!!! I’ve been a loyal customer and now I never want to do business with Dell ever again…I’ve had nothing but bad experiences. I don’t want to have to take it down a different route and hope you can assist me and clean this whole mess up.
Please write back to me by mail at: 616 Howard Ave #24
Montebello, Ca 90640
Phone No. 626-353-1555 work 213-974-0447
So currently agency at phone number 1-877-221-3940 are calling me and harassing me making me feel like a thief and I want them called and tell them to get off my back. I don’t want to have to take it up to a higher source. My auto pay should still be in effect, it was never canceled or stopped…well at least not by me. Why did they stop withdrawing in August?? They withdrew in July but not in August…why?? I want an answer by phone, and letter!! I deserve that much from Dell. For all the problems they have caused me with the fraudulent purchases (2 times) and now this…a supposed delinquent account.
Again Take care of this ASAP!!!

Sincerely,





Raquel G. Delatorre

Posted by tatey70 on 2006-08-17:

To: Dell Financial Services August 16, 2006
From: Raquel Delatorre
Account# 6879 4501
Re: Delinquent Account

To Whom It May Concern:
Where do I start when it comes to this big issue? I Raquel Delatorre purchased a computer about two years ago and since then I’ve been a loyal customer and have made my payments on time (using auto pay). Well to my surprise I’ve had three incidents happen to my account where fraudulent purchases (2 different times) were made on my account due to Dell’s mistakes. Well I spoke to Dell Financial Services Reps and they came to a conclusion that it was their mistake and they took care of it. Now I have another issue and big problem with my credit and with a harassing collection agency. Today 08/16/06 a collection agency called my cell phone letting me know that my account was delinquent because I had not made a payment since June 2006. This is not true and can’t come to understand how that is my fault when I signed up for auto pay more than 2 years ago for Dell to be responsible of taking out my payment for me. I gave them authorization to do this and now they come out stating that I had not made a payment since June 2006??!! I’m seriously baffled and confused…how does such a mistake happen and how again is that my fault!!! Now my credit is blemished all due to Dell’s mistake!! I want this taken care of as soon as possible and my credit cleaned or else I will have to seek legal help in resolving this issue. Not only will I seek legal help but I will contact better business bureau and many other sources. I’ve enjoyed my desktop computer for the last two years and I’ve had no problems with it. But when it comes to customer service and how they treat their customers, well that is a whole different story. I have bank statements and dell statements that show that they have deducted my monthly due every month and a payment has never been missed. If they took out the wrong amount…how is that my fault…how do I have control over that?? I don’t….only dell has the power to change amount due and monthly payments. I need this looked into and taken care of. ASAP!! I want the collection agency off my back and my credit cleaned to where if I have to get a credit report I don’t want to see anything about a delinquent account with Dell. This is Dell’s mistake and I feel that they have to take responsibility for this. There is also a reverse transaction of $114.00 added back to my account….what is that?? At one point they had taken $114.00 out of my checking account because of the fraudulent purchases. My amount due per month had changed from $35 to $114…so in the month of June on 06/08/06 an amount of $114 was withdrawn from my account (see my bank statement for further info) and it was only suppose to be my $35/month and nothing else. Yet they proceeded to take out $114 and that is when I called Dell Financial Services (spoke to Angie 18002832210 x#7283688) and asked that difference be deposited back to my account or be used for future payments. They stated that it could not be used for future payments and for that reason it was going to be credited back to my account. That is when they ….notice I said they….stated that my monthly payment was $31 and they would deposit $83 back into my checking account. I was ok with that and so $83.00 was deposited back into my checking account on 07/10/06. Now that Collection agency calls me, harassing me, stating that I had not paid my monthly amount of $36/month since June 2006. If I’m not mistaken as time goes by and the balance goes down so does the monthly payment, does it not? So according to my records they were suppose to continue withdrawing $35 in June but yet they assured me that it was $32/month, so what am I to say?? First one said $31/month and then another rep stated that for the following month it would be $32…what?? Do I Disagree with them or listen to a so called experienced customer service rep?? So fine they stated $32 and so it was $32…so $31 was deducted in June and $32 for July 2006!!!!! Collection agency stated that I defaulted on my payment of $36….??????????? I don’t get it…I seriously don’t. I spoke to Carol (supervisor) rep#329253 on 08/16/06 and she stated that $114 was never withdrawn from my account and that Dell has not received payment since June 2006 (one more person to tell me this) yet I have all proof that $114 was taken out and payment for June and July 2006 were made (see attached bank statement and Dell Statements). So tell me, what you are going to do for me to fix this and clean my credit record. This is not the first time I’ve had problems with Dell. This is the 3rd issue already and I’m seriously sick and tired of all this. I’m sick and tired of Dell and its Representatives!!!! I’ve been a loyal customer and now I never want to do business with Dell ever again…I’ve had nothing but bad experiences. I don’t want to have to take it down a different route and hope you can assist me and clean this whole mess up.
Please write back to me by mail at: 616 Howard Ave #24
Montebello, Ca 90640

So currently agency at phone number 1-877-221-3940 are calling me and harassing me making me feel like a thief and I want them called and tell them to get off my back. I don’t want to have to take it up to a higher source. My auto pay should still be in effect, it was never canceled or stopped…well at least not by me. Why did they stop withdrawing in August?? They withdrew in July but not in August…why?? I want an answer by phone, and letter!! I deserve that much from Dell. For all the problems they have caused me with the fraudulent purchases (2 times) and now this…a supposed delinquent account.
Again Take care of this ASAP!!!

Sincerely,





Raquel G. Delatorre

Posted by Bkm on 2006-08-18:

To tatey70: You've done about all you can do; sounds as if all of your "ducks are in a row."
Since the collection agency is already threatening you, I would go ahead and show them your documentation. I realize this is more "hassle" than you want but at least they'll understand where the problem actually is. It's really a shame that businesses are allowed to act like this; wasting good people's time to fix a &^%!@ company's crappy business practices. Good luck!

===================================

Follow up: I contacted Dell yesterday, Aug. 16, and allegedly (as I've not seen a check) got them to cut me a check for the unwarranted finance charges. I'll post another follow up when said check has been cashed.

Posted by DDavis on 2013-05-07:

Dell refuses to remove derogatory information from my credit report, even after my paycheck was garnished for $800 per month for four months and paid in full (via judgment) on April 27, 2012.

All three credit reporting agencies show an unpaid balance owed to Dell, which they incorrectly reported as a charge off that was written off. For example, the Experian report reads, Status: Account charged off. $2713 written off.

This is not an outstanding debt! I paid Dell back every penny owed, via garnishment, plus attorney fees, and they refuse to honor my repeated requested to remove this damaging information from my credit reports.

P.S. The amount for which I was sued was comprised mostly of Dell's outrageous finance charges and late fees! Don't ever do business with Dell!