Dell Financial Services Limited

Unscrupulous and Disrespectful Dell Financial Total Disregard for Customers and Credit

I am appalled by the abysmal customer service and utter disrespect I experienced at the hands of Dell Financial. Their unscrupulous management and philosophy toward customers and the market are nothing short of despicable. Without any prior notification, the company callously closed my account, displaying a complete disregard for the consequences it would have on my credit and financial well-being.

The way this company conducts itself is a clear reflection of its management's lack of ethics and concern for customer satisfaction. It is astonishing that a company would be so callous as to jeopardize its customers' credit ratings without any regard for the potential long-term consequences it could have on their financial stability. The fact that they failed to inform me about the account closure, leaving me to discover it on my own, further highlights their lack of integrity and respect for their customers.

In today's highly competitive market, it is crucial for companies to prioritize customer service and satisfaction. Unfortunately, Dell Financial seems to operate on the opposite end of the spectrum. Their actions demonstrate a complete disregard for the impact their decisions have on their customers' lives, revealing their true colors as a company that only cares about its own bottom line.

To sum it up, Dell Financial has shown itself to be an unscrupulous and disrespectful company with no regard for its customers' well-being or credit. Avoid them at all costs, and choose companies that value their customers and understand the importance of ethical business practices. There are countless other businesses out there that prioritize customer satisfaction and respect, and I urge you to seek them out instead.

This is absolutely the worst customer based company I have ever dealt with. Not only do they increasingly raise your payments and refuse too take a payment other than a debit card, they will burn up your phone for any payments that are late. I will never do business with Dell Financial nor will I ever refer them too anyone. What a pathetic company too do business with.

Hi Revdex.com, We spoke to Mr [redacted] and brought back the account from the third party collections agency to DFS Payments arrangement were made and the account is now current We believe that this issue was resolved to the customer's satisfaction /> Thank you

On the 10/28/there were two withdrawals:- The regular monthly payment with no return- A manual pre-authorized payment processed by our Care team as per the customer’s request (agreement made with the customer on the 10/23/on the phone)The September payment was processed on the 28th with no return.Thank you

[redacted] July 22, To: Central TX Revdex.com Consumer: [redacted] Revdex.com CASE#: [redacted] Dear Revdex.com Representative: We are in receipt of the follcomplaint from [redacted] We appreciate the customers desire to have their concerns addressed to their satisfactionWe regret that [redacted] did not agree with the information previously provided to herPlease understand though that the information was accurate [redacted] has a total credit limit of $with Dell Financial Services (“DFS”)Please note that repeat purchases cannot be placed on an installment contract, therefore when [redacted] contacted Dell in regards to making an additional purchase in May she needed to open a new accountAt that time her Dell Preferred Account (“DPA”) was openedAs [redacted] pays down the balance on her two accounts, her available credit will increase, up to $We hope this letter further explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, [redacted] Executive Services Dell Financial Services

Complaint: [redacted] I am rejecting this response because: Regards, [redacted]

Addition to Complaint ID: [redacted] Was promised a refund on 07/29/As of 08/08/no refund has been received for an over debit of my account of $I re-called to request the refund and was told that the account was "over looked"They have now had full business weeks to process my refundI would like my money refunded! If my payment was late, Dell would be charging me almost 25% interestIt would be nice if in turn, I would be given the same interest rate on the monies they took without authorizationI would also like an apology and acknowledgement of the situation

Complaint: [redacted] I am rejecting this response because:As said before and providing proof, I Have (two accounts) with a credit limit of 1,on eachThe rebuttal letter even admitted this! I again was told to "re apply" which I have already done twice (times) now and was approvedTherefore if I apply a third time and am approved I will be given yet another third account (3)And will not be able to use that one either Regards, [redacted]

Please see the attached letter Dear Revdex.com Representative: We are in receipt of a complaint from [redacted] , originally addressed to the Better Business BureauIn his complaint Mr [redacted] states that he returned equipment to Dell however he is receiving Collection calls regarding a past due amountMr [redacted] also states that after he returned the equipment, four additional payments were deducted automatically from his bank accountDell Financial Services (“DFS”) records indicate that Mr [redacted] placed an order with Dell for computer equipment totaling $This purchase was placed under a month $buyout leaseMr [redacted] returned the equipment to DFS on July 09, As the equipment was returned to DFS rather than to Dell a credit was not processed therefore the lease was not disposed, and automatic payments continued to be withdrawnDFS processed a refund cheque in the amount of $on May 15, for the total of all payments made towards the leaseMr [redacted] should expect to receive this refund cheque within 7-business daysWe are currently in the process of disposing the lease contract ending in In the meantime we have requested that all Collection activity ceaseWe hope this letter explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, [redacted] Executive Services Dell Financial Services

Complaint: [redacted] I am rejecting this response because:It was a well designed cheating jointly made by Dell Canada and Dell Financial Services Companies that cheats make out the contracts according to their plans and not every consumer can hire a lawyer to verify the contracts.Please refer the 4th paragraph in their response to my complaint ( letter dated July 13, 2015) There was a special financing promotion and I purchased the computer online based on the promotion responding to their advertisement I have been asking them in my earlier direct communication with them to give me the copy of that advertisement I bought it in good faith and Dell Canada and DFS lured me to sign a contract with different proposition I would also like to inform about the huge amount of complaints of similar nature against Dell Financial Services in consumer affairs forum ( [redacted] ).I want Dell Financial Services to stop taking money from my account and refund the excess amount collected so far Regards, [redacted]

Tell us why here[redacted] is a Dell Financial Services (DFS) customer since Mrhas entered installment loan agreements with Dell financial services These installment loans were signatureless contracts were [redacted] agreed to the terms by providing a passcode online or to the sales rep to be entered on the contract A copy of these installment loans were sent via email and mailIn April 21, a Dell Preferred Account (DPA) was set up The DPA was set up with the purchase of order # [redacted] - STUDIO 1737, INTEL CORE DUO Tin the amount of $1,and order # [redacted] in the amount of $ - VNANO CORDLESS LASER MOUSE This agreement was also a signatureless agreement were [redacted] agreed to the terms and conditions by providing a passcode A copy of the term and conditions of the DPA was email and then mailed to the client There is provision in the terms and conditions for the client to allowing the customer to reject the agreement after receiving and reading it The client has hours to cancelOur records do not indicated reception of any request from [redacted] rejecting the terms and conditions of the DPA Subsequently two additions have been done in (order # [redacted] - KNIGHT RIDGER GPS PORTABLE CAR NAVIGATION $259.89, order # [redacted] - [redacted] UFC: UNDISPUTED XBOX $67.) and more addition were to the DPS was done in (order # [redacted] - PLAYSTATION GB PS$620.34).With our installments, there are no statements mailed to the client, since the monthly payments are fixed on the agreed contract but with the DPA, a statement is mailed monthly The statement outlines, the balance on the account, the monthly payment, the remaining balance, the date the payment will debited from the provided bank account, to name a few items on the statements Also, everytime an addition was done to the DPA, the purchase was clearly outlined on the next statement, showing amount and date of purchase.Since 2009, our records do not indicate at any time, [redacted] have contacted DFS to dispute the type of the agreement set up for his purchase on April 21, was set up incorrectly.Also, our records do not indicate that the statements mailed to the client were returned to us undeliverable.The client has had numerous occasions to reject the terms and did not do it The statements mailed to the client’s home address could have also raised questions or generate call to our customer service center but no records of any dispute raised Unless [redacted] ***, has some written documentation verifying his statement, we do not have any reason to believe that he was misled into believing he had an installment loan

Complaint: [redacted] I am rejecting this response because: although I appreciate the goodwill gesture, the reasons are several: the credit was plus taxesthis in itself reduced the cost of the computer to approx this did not change the amount of the loan, Which by the inference of plus taxes meant the loan should have been adjusted, but it was notI am paying interest on the credit I did not receive an email informing me the credit had been applied nor that my payments were adjusted as a result I did receive a message with DFS, with an extention, which I tried several times to call, to no availIn the message I was told the gal would call back..She never did At this point the delay in calling me back as I could not reach via the extention # given, I prefer all correspondence in writing, as not one person has kept their word As the loan amount was not adjusted, but the monthly payout was reduced speaks of bad faithThe credit of plus taxes implys a reduction in the cost of the computerwhich lowered the monthly payments I'm perfectly happy to pay the interest and monthly obligations on the loan of This was the spirit of the creditThat I was paying interest on a loan of and not This is the point ignored by the response Regards, [redacted]

Please see the attached response [Revdex.com converted the PDF attachment and copied it below; thus, formatting irregularities may occur.] Dear Revdex.com Representative: We are in receipt of a complaint from [redacted] , originally addressed to the Revdex.comIn his complaint Mr [redacted] states that at the time of his purchase he was under the impression that he was opening an installment loan and not a revolving accountRecords indicate that Mr [redacted] applied and was qualified for a Dell Preferred Account (“DPA”) on April 20, At the time of credit approval Mr [redacted] was approved for a Dell Preferred Account with a credit limit of $and an APR of 28.99%After applying for the Dell Preferred account and upon approval, Mr [redacted] was advised that he was approved for the Dell Preferred AccountThe terms of the credit agreement, including the Annual Percentage Rate (APR), were disclosed to Mr [redacted] at the time his application for credit was approvedAdditionally, the terms and conditions of Mr [redacted] ’s credit agreement were mailed to him within hours of his approval for creditThe terms and conditions give the customer three (3) days to contact us to reject the credit agreementOur records indicate that Mr [redacted] did not contact us to reject the DPA credit agreementAt the time the account was opened an equipment order was placed with Dell for computer equipment totaling $At that time as well an automatic payment was set up with Mr [redacted] ’s authorization to withdraw the minimum payment due each month from his bank accountMr [redacted] has the option to change this amount at any time if he chooses by contacting customer care by phone at ###-###-####, or doing so online by going to Dellfinancialservices.ca and setting up an online profilePlease be advised that we have reviewed the special financing promotions from April and there were three available, however none that included an Inspiron system, which is what Mr [redacted] orderedMr [redacted] had the option to open a DPA or an installment loan for his purchasePlease note that the Dell Preferred Account is a revolving account with no set end date (similar to a credit card account), so we cannot advise Mr [redacted] when the account will be paid in fullUnlike a car loan or similar note, this is not an installment account in which the customer pays a set amount each month for a certain termThere is no set date on which the account will "end;" rather, there will be no more payments due when the account balance is $The customer can reduce the account balance faster by making payment larger than the minimum amount dueIf the customer pays only the minimum payment amount due each month, the account balance will decrease at a slower rate than if "extra" payments are made against the balancePlease refer to the Payment Information section of your billing statement under Minimum Payment Warning: “If you make only the minimum payment each period, you will pay more interest and it will take longer to pay off your balance.” Page In reference to Mr [redacted] ’s contention that he hasn’t received monthly billing statements, please understand that all mail ceased to be sent in December due to previous mailings being returnedMr [redacted] contacted DFS on September 29, regarding not receiving billing statements and his address was updated at that time to the one that he provided to the Revdex.com, and billing statements were once again mailed outPlease note that there is no record of Mr [redacted] contacting DFS prior to September regarding not receiving billing statementsDFS records indicate that all fees assessed to Mr [redacted] ’s account have been assessed in accordance with the agreed upon terms and conditions of the Dell Preferred AccountAs of the date of this letter, Mr [redacted] ’s Dell Preferred Account balance is $The last payment was received on June 14, in the amount of $Please keep in mind that because interest accrues on his account daily he may have additional interest charges assessed on his next regular statementWe regret any inconvenience this matter may have caused to Mr [redacted] We hope this letter explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, [redacted] Executive Services Dell Financial Services

DFS re-presented the debit for the same amount according to the CPA rules Please see the table below and attached indicating the dates of the rejected payments and the date DFS re-represented the payments.payment date re-representdate 6/28/ 7/28/20147/28/ 7/30/20149/28/ 10/20/201411/28/ 12/4/2014Thank you

Complaint: [redacted] I am rejecting this response because: The response received from Dell is unacceptable and untrue, the dates of the purchases do sound correctPurchasing my computer from Dell in the amount of 1,I was approved for the listed amount and given an account [redacted] with a credit limit of 1, After this purchase through Dell I then realized I needed a few extra computer supplies (computer didn't come with a CD/DVD drive etc) and proceeded to purchase those through Dell at a later date, At that time I needed to reapply for credit all over again in order to make my purchase which I did and was approved again account # [redacted] for 1,and only purchased worth of stuff with a credit remaining on this account of 1,As you can clearly see I was given two accounts with a 1,credit limit on each (as I had to reapply for a loan a second time) As told by Dell sales via the telephone I am attaching the proof for account [redacted] and also a screen shot from the Dell website of my other account # [redacted] As you can clearly see I have two accounts with a credit limit of 1,on eachRegards, [redacted]

Please see the attached response Dear Revdex.com Representative: We are in receipt of a complaint from [redacted] [redacted] , originally addressed to the Revdex.comIn his complaint Mr [redacted] states that at the time of his purchase he was under the impression that he was opening an installment loan for a term of four yearsRecords indicate that Mr [redacted] applied and was qualified for a Dell Preferred Account (“DPA”) on August 30, At the time of credit approval Mr [redacted] was approved for a DPA with a credit limit of $and an APR of 28.99%After applying for the DPA and upon approval, Mr [redacted] was advised that he was approved for the DPAThe terms of the credit agreement, including the Annual Percentage Rate (APR), were disclosed to Mr [redacted] at the time his application for credit was approvedAdditionally, the terms and conditions of Mr [redacted] ’s credit agreement were mailed to him within hours of his approval for creditThe terms and conditions give the customer three (3) days to contact us to reject the credit agreementOur records indicate that Mr [redacted] did not contact us to reject the DPA credit agreementAt the time the account was opened an equipment order was placed with Dell for computer equipment totaling $At that time as well an automatic payment was set up with Mr [redacted] ’s authorization to withdraw the minimum payment due each month from his bank accountMr [redacted] had the option to change this amount at any time if he chose by contacting customer care by phone at ###-###-####, or doing so online at [redacted] There is no record of Mr [redacted] changing this amount to $until November 25, 2015, at which point the request was completedBeginning on December 16, 2015, until May 16, 2016, payments will be withdrawn for $Please note that the DPA is an open end account so when the account will be paid in full depends upon factors such as whether and how often excess payments are made and whether additional purchases are made, or fees assessedThe customer can reduce the account balance faster by making payments larger than the minimum amount duePlease refer to the Payment Information section of your billing statement under Minimum Payment Warning: “If you make only the minimum payment each period, you will pay more interest and it will take longer to pay off your balance.” DFS records indicate that all fees assessed to Mr [redacted] ’s account have been assessed in accordance with the agreed upon terms and conditions of the DPA therefore we must respectfully decline his request to consider the interest he has already paid in order to reduce his balance to $0, or to lower his APR to 0%As of the date of this letter, Mr [redacted] ’s DPA balance is $The last payment was received on November 14, in the amount of $Please keep in mind that because interest accrues on his account daily he may have additional interest charges assessed on his next regular statementWe hope this letter explains and helps to resolve this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, [redacted] Executive Services Dell Financial Services

Please see the attached response[Revdex.com converted the PDF attachment and copied it below; thus, formatting irregularities may occur.]Dear Revdex.com Representative: We are in receipt of a complaint from [redacted] , originally addressed to the Revdex.comIn his complaint Mr [redacted] states that at the time of his purchase he was under the impression that he was opening an installment loan and not a revolving accountRecords indicate that Mr [redacted] applied and was qualified for a Dell Preferred Account (“DPA”) on April 20, At the time of credit approval Mr [redacted] was approved for a Dell Preferred Account with a credit limit of $and an APR of 28.99%After applying for the Dell Preferred account and upon approval, Mr [redacted] was advised that he was approved for the Dell Preferred AccountThe terms of the credit agreement, including the Annual Percentage Rate (APR), were disclosed to Mr [redacted] at the time his application for credit was approvedAdditionally, the terms and conditions of Mr [redacted] ’s credit agreement were mailed to him within hours of his approval for creditThe terms and conditions give the customer three (3) days to contact us to reject the credit agreementOur records indicate that Mr [redacted] did not contact us to reject the DPA credit agreementAt the time the account was opened an equipment order was placed with Dell for computer equipment totaling $At that time as well an automatic payment was set up with Mr [redacted] ’s authorization to withdraw the minimum payment due each month from his bank accountMr [redacted] has the option to change this amount at any time if he chooses by contacting customer care by phone at ###-###-####, or doing so online by going to Dellfinancialservices.ca and setting up an online profilePlease be advised that we have reviewed the special financing promotions from April and there were three available, however none that included an Inspiron system, which is what Mr [redacted] orderedMr [redacted] had the option to open a DPA or an installment loan for his purchasePlease note that the Dell Preferred Account is a revolving account with no set end date (similar to a credit card account), so we cannot advise Mr [redacted] when the account will be paid in fullUnlike a car loan or similar note, this is not an installment account in which the customer pays a set amount each month for a certain termThere is no set date on which the account will "end;" rather, there will be no more payments due when the account balance is $The customer can reduce the account balance faster by making payment larger than the minimum amount dueIf the customer pays only the minimum payment amount due each month, the account balance will decrease at a slower rate than if "extra" payments are made against the balancePlease refer to the Payment Information section of your billing statement under Minimum Payment Warning: “If you make only the minimum payment each period, you will pay more interest and it will take longer to pay off your balance.” Page In reference to Mr [redacted] ’s contention that he hasn’t received monthly billing statements, please understand that all mail ceased to be sent in December due to previous mailings being returnedMr [redacted] contacted DFS on September 29, regarding not receiving billing statements and his address was updated at that time to the one that he provided to the Revdex.com, and billing statements were once again mailed outPlease note that there is no record of Mr [redacted] contacting DFS prior to September regarding not receiving billing statementsDFS records indicate that all fees assessed to Mr [redacted] ’s account have been assessed in accordance with the agreed upon terms and conditions of the Dell Preferred AccountAs of the date of this letter, Mr [redacted] ’s Dell Preferred Account balance is $The last payment was received on June 14, in the amount of $Please keep in mind that because interest accrues on his account daily he may have additional interest charges assessed on his next regular statementWe regret any inconvenience this matter may have caused to Mr [redacted] We hope this letter explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, [redacted] Executive Services Dell Financial Services

Complaint: [redacted] I am rejecting this response because: We were emailing back and fourth, I last sent an email on Friday and have yet to receive a response back! I was told I had two accounts with a credit limit of 1,on both? not sure as there may be a language barrierAs the Revdex.com can clearly see there is an available credit of over 1,that Dell is denying I have even though my account clearly states different Regards, [redacted]

Dell Financial Services Canada provides installmentloans to enable customers to finance their purchases of computers and otherequipment from Dell Canada Under our installment loan contracts,customers are required to make monthly payments Our contracts providethat the customer will pay his/her required monthly payment by way ofpre-authorized debit from his/her bank account We debit our customers’bank accounts in accordance with our contracts and in compliance with the rulesof the Canadian Payments Association that apply to pre-authorized debits (the“CPA Rules”) When a pre-authorized debit is rejected by a payor’s bank,the CPA Rules allow us to re-present the debit for the same amount one moretime within days of the first attempt A customer may avoidnot-sufficient funds (NSF) and bank overdraft fees by ensuring that therequired payment amount is in his/her bank account on each payment due dateIf requested by a customer, we would consider changing the customer’spayment due date to another day of each month (for example, so that the paymentdue date would fall on or immediately after the customer’s payday or other daywhen funds will be available in the customer’s bank account)

July 09, To: Central TX Revdex.com 11.6pt;">Consumer: [redacted] Revdex.com CASE#: [redacted] Dear Revdex.com Representative: We are in receipt of a complaint from [redacted] , originally addressed to the Revdex.comIn her complaint [redacted] states that she has been making payments towards her Dell Preferred Account (“DPA”) for five years however her balance has not decreasedRecords indicate that [redacted] opened her Dell Preferred Account on April 20, [redacted] applied and was qualified for a Dell Preferred Account with a credit limit of $and an APR of 28.99% at the time of credit approvalAfter applying for the Dell Preferred account and upon approval, [redacted] was advised that she was approved for the Dell Preferred AccountThe terms of the credit agreement, including the Annual Percentage Rate (APR), were disclosed to [redacted] at the time her application for credit was approvedPlease note that DFS is unable to change the terms of the DPA, per [redacted] ’s requestAt the time the account was opened an equipment order was placed with Dell for computer equipment totaling $There were then four additional purchases made between July and October 2010, totaling $After reviewing [redacted] ’s payment history, DFS finds that on twelve occasions her payment was returned due to insufficient fundsThis resulted in a $insufficient funds fee on each occasion, totaling $in insufficient funds feesPlease note that the Dell Preferred Account is a revolving account with no set end date (similar to a credit card account), so we cannot advise [redacted] when the account will be paid in fullUnlike a car loan or similar note, this is not an installment account in which the customer pays a set amount each month for a certain termThere is no set date on which the account will "end;" rather, there will be no more payments due when the account balance is $The customer can reduce the account balance faster by making payment larger than the minimum amount dueIf the customer pays only the minimum payment amount due each month, the account balance will decrease at a slower rate than if "extra" payments are made against the balancePlease refer to the Payment Information section of your billing statement under Minimum Payment Warning: “If you make only the minimum payment each period, you will pay more interest and it will take longer to pay off your balance.” In reference to [redacted] ’s contention that she hasn’t received any mail regarding her account, please understand that all mail ceased to be sent on October 09, due to previous mailings being returnedDFS tried on multiple occasions to reach the customer in order to update her address but was unable to reach herRecords indicate that [redacted] did not contact DFS until June 16, 2015, at which point her address was updated to the one matching what was provided to the Revdex.comBeginning with her July 21st billing statement, [redacted] will be sent mail once againPage DFS records indicate that all fees assessed to [redacted] ’s account have been assessed in accordance with the agreed upon terms and conditions of the Dell Preferred AccountAs of the date of this letter, [redacted] ’s Dell Preferred Account balance is $The last payment was received on June 19, in the amount of $Please keep in mind that because interest accrues on her account daily she may have additional interest charges assessed on her next regular statementWe hope this letter explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, [redacted] Executive Services Dell Financial Services