I purchased a laptop computer from Dell over a year ago. I bought it through their financing plan which turned out to be a very bad mistake.
I have been paying the monthly bills on time, and usually even pay over the minimum amount. I also had my warranty extended, which may have led to the following problem:
I found out a couple of weeks ago when I got my bill that instead of the usual finance charges of around 4 dollars, that I was now being billed 196.86!!!
I called their service rep who told me that I was billed this outrageous amount because my promotion plan had ran out.
I thought that the whole reason I began to be billed 4 bucks a month in finance charges in the first place, was because my promo plan had already run out after the first year had ended. But their rep told me that was a separate finance charge for “service calls”!?!?
I was never told that I would be getting finance charges for service calls!! and it DOES NOT SAY THIS ON MY BILL!!! Also, what service calls!? If I was in danger of being billed almost 2 hundred dollars in finance charges then why did the bill before this one say that I WAS ONLY DUE TO PAY A MINIMUM AMOUNT OF 20 DOLLARS!?! Was Dell deliberately trying to mislead me so that they could hit me with a 196.86 bill!?
What I had to do was go ahead and pay off the rest of the bill—which is what I could have done a long time ago had I known about this scheme.
A Dell rep did eventually get back to me and told me there was nothing that they were going to do about it.