WASHINGTON -- At the request of a Dell sales person, I accepted a Dell line of credit last year. I wasn't looking for credit but I was buying a new computer for my son and thought that since I would pay off my purchase quickly, it couldn't hurt. I had purchase five computers from Dell previously. I wanted to pay automatically online and was assured that after my first bill was received that this would be no problem. My first bill arrived but my automatic payments were not started and my second bill never arrived. I was called by a Dell Financial Services person who said my payment was late and immediately paid. I was shocked to hear that the transaction had cost me $13.95 along with a $39 late fee. I was furious and called customer service - and as you know, there is no number to call to speak with people in the U.S. Those customer service employees in India are allowed to waive only one $39 late fee per year. This was promised to me along with a promise to ensure that I received email alerts. This never happened. In fact the next time I heard from Dell was not through seeing an automatic payment, but through an email payment notice that arrived over a day after my payment was delinquent. From there things got worse. I have called and emailed their customer service more than twenty times. At one point a person from India succeeded in getting me signed in to my web account. This lasted for one sign on and was not valid afterwords. Long story short, I have $156 in late fees charged to my account and have just recently been able to sign on to my online account again. My auto pay attempts have never been successful. I suspect that there is a model at Dell Financial that shows that by charging high interest and tacking on service and late fees fraudulently that so few people will complain if they keep it hard to reach anyone with a complaint that Dell can make its profits from financial charges rather than from product sales. This is just a heads up but I welcome hearing from anyone else who has the same problems. I live in Washington State and the Attorney General has won an award for damages against Dell in our state but I think this is just scratching the surface.