Dell Financial Services Limited

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 contractsPlease 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]

please see the attached response
Dear Revdex.com Representative: We are in receipt of a complaint from *** ***, originally addressed to the RevDex.comIn her complaint Ms*** expresses concern regarding the outstanding balance of her Dell Preferred Account (“DPA”). Records indicate that Ms*** opened her Dell Preferred Account on December 15, Ms*** 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, Ms*** was advised that she was approved for the Dell Preferred AccountShe was then disclosed the credit limit and APR for which she qualified. At the time the account was opened an equipment order was placed with Dell for computer equipment totaling $There were then four (4) additional purchases made between May and March 2012, totaling $679.24. Please 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 Ms*** 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 balance. Please 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 regard to Ms***’s contention that she never received a billing statement, please understand that billing statements are mailed to her each month on the 23rdThe address on file matches the one Ms*** provided to the Revdex.com. DFS records indicate that all fees assessed to Ms***’s account have been assessed in accordance with the agreed upon terms and conditions of the Dell Preferred Account, therefore we must respectfully decline her request for a refundAs of the date of this letter, Ms***’s Dell Preferred Account balance is $The last payment was received on April 17, 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 statement. We hope this letter explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely, *** *** Executive Services Dell Financial Services

Complaint: ***
I am rejecting this response because:Every single time we have spoken to Dell it has been a different story.When we spoke to Dell, they did not "Re-present" the withdrawal within daysIt was days laterPlease explain to me thatI insist.Not ONLY did we go through the whole process of fighting with your manager, who insisted we were not sent to collections, and we set up the payment date with them, we received a call THE NEXT MORNING asking for payment from the collections department! No notes were added.The customer service has been absolutely HORRID, and in my years of dealing and working in customer service/retail I have never in my life seen such poor service.So; instead of once again dodging every comment I haveI want a straight answer.Why did you pull the payment days after it was missed without notice, instead of the days you just explained to me?Why were we called the next day asking us for payment, when we had just spoke to your manager not even hours before?Why is Dell constantly avoiding giving me a direct answer?Is Dell able to give us a recording of our conversations?
*** ***

Complaint:***
I am rejecting this response because:
OK I just want and need to say this
how STUPID some people/companies can be
ALL OF THE MONEY ORDERS SAID PAY TO THE ORDER OF DELL CANADA INC
AND THEY ALSO HAD ALL OF THE IMPORTANT INFO ON THEN AS TO SAY
FOR NEW COMPUTER
CUSTOMER # ***
INVOICE #***
ORDER #***
** * *** *** *** *** *** *** ** *** ** *** *** *** *** *** ** ***
** * *** *** *** *** *** *** ** *** ** *** *** *** *** ** *** *** ** ***
** * *** *** *** *** *** *** ** *** ** *** *** *** *** *** *** *** *** ***
** * *** *** *** *** *** *** ** *** ** *** * *** *** *** ** ***
NOW AS I SAID IN MY ORIGNAL COMPLAINT THAT I HAD NO ISSUE WITH THE OCTAND FEBMONEY ORDERS OR ONE OF THE MARCH MONEY ORDERS DFS CREDITED ME FOR A TOTAL OF 350$ BUT I HAD SENT MONEY ORDERS + ++= 450 SO THE ONLY THING THAT DFS OWES ME IS 100$ YET THEY ON JULY 2ND CREDITED ME WHEN ALL THEY NEEDED TO DO IS CREDIT ME SO NOW DFS HAS PAID ME AN EXTRA 350$ *SHAKES HEAD*
I HAVE BEEN WAITING TO HEAR FROM DFS THRU Revdex.com I AM SUCH AN HONEST PERSON I STILL OWE DFS 350$ AND I WILL KEEP PAYING FOR IT VIA A BILL PAYMENT THRU MY BANK
I DIDNT ASK OR WANT THE EXTRA 350$ MISTAKE THAT DFS HAS MADE ALL I WANTED WAS AN APPOLIGY AND THE 100$ CREDIT OF THE SECOND 100$ MONEY ORDER THAT I SENT IN MARCH THAT WAS MISTAKENLY MISPLACED MAYBE SOME COMPUTER IMPUTTERS JUST COULDNT HANDLE A DOUBLE PAYMENT IN A ONE MONTH PERIOD KINDA GOT LOST IN THE PAPER WORK
NOW DFS PLEASE ADD BACK THE 350$ THAT YOU OVER CREDITED MY ACCOUNT
DONT SHORT HAND YOUR ACCOUNTS I BET YOU DONT GET MANY HONEST PEOPLE LIKE ME I KNOW I DONT LIKE LOSING $ AND I AM SURE DFS DONT WANT TO LOSE 350$
BEST REGARDS
*** ***

On behalf of Dell Financial Services, I would like to extend my sincere apologies to Ms*** for the undesired calls
I have removed your number from all automated dialerIf you receive any calls in the future, or if there are any questions or concerns regarding this matter, please contact me personally during regular business hours at ###-###-#### Ext
Sincerely,
*** *** ***

Complaint: ***
I am rejecting this response because: I was told by the salesman on the phone that the items would be paid off in years and at no time was I informed about the dell account being a open account and the only way to pay it off was if I was to make additional payments in addition to the ~$a monthI understood it as it was a regular finance plan that would be completed after three yearsIt is unacceptable that I have already paid ~$for the ~$items.
Regards,
*** ***

Please see the attached response
Dear Revdex.com Representative: We are in receipt of a complaint from ***
***, originally addressed to the RevDex.comIn his complaint Mr*** states that he applied and was approved for financing with Dell Financial Services (“DFS”) but that the order he placed was put on hold due to verificationHe states that in order to proceed with verification he was asked for sensitive information. In December Mr*** applied and was approved for an installment loan with DFSAt that time he placed an order with Dell which was referred to our Fraud department for further verification. DFS maintains policies and procedures to detect and prevent fraud and identity theftThese policies and procedures are consistent with the standards of the consumer finance industry. Records indicate that Mr***’s order was referred to our Fraud department through our review process, not due to any previous orders or accountsAs part of our verification process the customer is required to provide certain Proof of Identity documentsThe documents requested from Mr*** are in accordance with policies and proceduresIf Mr. *** would like to proceed with the verification process he may provide the requested documentation to our Fraud team by email at ***@DELL.COM, or by fax at ###-###-####. In regards to Mr***’s statement that he contacted DFS and was routed through four different numbers, speaking to four different agents, please be advised that records indicate he called DFS on a Saturday and the verification department was closedWe regret any inconvenience. We hope this letter helps to explain and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely, *** *** Executive Services Dell Financial Services

Revdex.com:When I spoke to the *** tactics on the phone, I was told that I had to supply extra information since my previous order was returned This is not part of the process, regardless of what has been said by Dell It is a lot of sensitive information to be asking for by email I accept the resolution, as Dell's response clearly lacks any sort of understanding of proper customer service
Regards,
*** ***

Please see attached response and supporting documents
Dear Revdex.com Representative: We are in receipt of a
complaint from *** ***, originally addressed to the Revdex.com. In her complaint Ms*** states she paid $on a laptop that broke after daysShe also states that she called three times asking to pay more towards her loan and was denied, until she threatened legal actionShe states she was then allowed to increase her payment to $a month which should have satisfied her balance yet she still has an outstanding balance. On January 5, 2011, Ms*** applied and was qualified for a Dell Preferred Account (“DPA”) with a credit limit of $2,and an Annual Percentage Rate (APR) of 28.99%After applying for the DPA and upon approval, she was advised that she was approved for the DPA. In January Ms*** placed two equipment orders with Dell for computer equipment totaling $940.71. Please see the attached transaction history that we have included for reference which includes the purchases, interest charges and payments. 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 assessed. Customers can reduce the account balance faster by making payments larger than the minimum amount due. Instructions for changing the Pre-Authorized Payment Plan are on the back of the monthly billing statements. On April 26, Ms*** placed an order for four (4) additional Dell products totaling $Her orders were placed on a month installment loan with an interest rate of 28.99% and a payment of $27.82 per monthAt the time of purchase a Pre-Authorized Payment Plan was set up for the monthly payment amountPlease note that eight (8) Pre-Authorized Payments were returned due to insufficient funds, which resulted in a fee and a past due balanceIn order to bring her account current an additional payment was set up on eight (8) occasions, for which she did authorizeWe’ve attached a transaction history of this account for referenceThis loan was paid in full on March 21, 2016. Records indicate that on June 26, Ms*** placed five additional orders for Dell products totaling $Her orders were placed on a month installment loan with an interest rate of 28.99% and a payment of $per monthAt the time of purchase a Pre-Authorized Payment Plan was set up for the monthly payment amountPlease note that six (6) Pre-Authorized Payments were returned due to insufficient funds, which resulted in a fee and a past due balanceIn order to bring her account current an additional payment was set up on six (6) occasions, for which she did authorizeWe’ve attached a transaction history of this account for referenceThis loan was paid in full on March 21, as well. The terms of the credit agreements, including the APR, were disclosed to Ms*** for each loan at the time she made the purchasesShe provided a personal passcode for each contract to verify her acceptance of the contract termsThe DPA and installment loan contracts state in part: The personal pass code that you provided to us has been inserted as your signature on the DPA Disclosure Statement and will become effective within one (1) business day, as described belowIf you do not call us to cancel the Agreement within one (1) business day after it is deemed to be received by you, you will be deemed to have accepted all its terms and conditionsAll monthly pre-authorized payments will be taken from the bank account that you provide to us in accordance with section of the DPA Terms and Conditions and section of the installment loans. Page 2 Records indicate that Ms*** accepted the terms of each contract. Regarding the comments that Ms*** received or more Collection calls per day, available records indicate that a total of fourteen collection calls have been made since January 5, Ten of those calls resulted in no answer, two resulted in dead air and two resulted in contact with herDFS reserves the right to contact a customer if the monthly minimum payment is not made in full by the applicable due date. Regarding Ms***’s comments that she was informed that three contracts were opened because she talked with Dell three times and they could not be changed, records indicate that she called Customer Service on March 11, disputing the multiple contracts as well as indicating that there was an unauthorized paymentShe was informed that she agreed to three different contractsShe requested copies of the contracts and contract copies were sent to her on March 14, The representative also informed her that because her January 14, payment for her installment loan ending in was returned due to NSF and attempts to reach her by phone were unsuccessful that a manual payment was withdrawn on February 26, in the amount of $27.82. DFS records indicate that on March 14, Ms*** contacted customer service and requested to increase her monthly payment for her DPAThe representative added five (5) payments of $from April 6, to August 6, Prior to that her DPA was set up to withdraw the minimum monthly payment amount, which was 3% of her DPA balance, each monthThe account balance at that time of this call was $692.57. All fees assessed to Ms***’s DPA and her installment loans have been assessed in accordance with the agreed upon terms and conditions of the DPA and the installment contractsAs of the date of this letter, Ms***’s DPA balance is $Please keep in mind that because interest accrues on her account daily she may have additional interest charges assessed on her next regular statement. Regarding Ms***’s comments about sending her laptop back to Dell, please note that Dell records do not indicate that she contacted them regarding a return or exchangeIf Ms*** has any further questions regarding the warranty on her purchase she may contact Dell directly at ###-###-####. We hope this letter explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely, *** *** Executive Services Dell Financial Services

Please see the attached response Dear Revdex.com Representative: We are in receipt of a complaint from *** ***, originally addressed to the RevDex.comIn his complaint Mr*** states that he applied and was approved for financing with
Dell Financial Services (“DFS”) but that the order he placed was put on hold due to verificationHe states that in order to proceed with verification he was asked for sensitive information. In December Mr*** applied and was approved for an installment loan with DFSAt that time he placed an order with Dell which was referred to our Fraud department for further verification. DFS maintains policies and procedures to detect and prevent fraud and identity theftThese policies and procedures are consistent with the standards of the consumer finance industry. Records indicate that Mr***’s order was referred to our Fraud department through our review process, not due to any previous orders or accountsAs part of our verification process the customer is required to provide certain Proof of Identity documentsThe documents requested from Mr*** are in accordance with policies and proceduresIf Mr. *** would like to proceed with the verification process he may provide the requested documentation to our Fraud team by email at ***@DELL.COM, or by fax at ###-###-####. In regards to Mr***’s statement that he contacted DFS and was routed through four different numbers, speaking to four different agents, please be advised that records indicate he called DFS on a Saturday and the verification department was closedWe regret any inconvenience. We hope this letter helps to explain and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely, *** *** Executive Services Dell Financial Services

Please see the attached response.Dear Madam or Sir: We are in receipt of the complaint from *** ***, originally addressed to the RevDex.com and forwarded to Dell Financial Services (“DFS”) electronically through the online Revdex.com portal on February 28, 2017. In
the complaint Ms*** states the following: ? Her payments were originally set up for the 7th of each month but that she requested them be pulled on the 15thShe states she was told it would only last for months. ? In October/November payments suddenly stopped being withdrawn, then they started being pulled on the 7th of each month again. ? The February 7th payment caused insufficient funds fees of $from her bank and $25 from DFS. ? She contacted DFS on February 21st and was told her account would be reviewed and someone would call her back within 24-hours however she did not receive a callback. ? She wishes for the $to be waived and the $charge credited to her account. Records indicate that on April 7, Ms*** applied and was qualified for a month Installment Loan AccountAt the time of account opening a purchase in the amount of $1,742.55 was placed on the accountThis purchase was to be repaid in months at $a month which was to be withdrawn automatically from the customer’s bank account each monthAll monthly pre-authorized payments will be taken from the bank account that the customer provided to us in accordance with section of the terms and conditions of the installment loan. On June 2, Ms*** contacted DFS and asked to change the payment date from the 7th of each month to the 15thThe requested change was processed effective June 15, through November 15, Ms*** was advised that the change would only be effective for months and that she would need to call back after the months to set up another paymentShe then contacted DFS on November 7, and requested payments be set up for the 15th of each month again, and at that time payments were set up for the 15th of the month through April 15, Ms*** then called on October 17, asking why a payment wasn’t withdrawn in October and was advised that a pre-authorized payment was not active as she had not contacted us to authorize another set of paymentsThe agent manually processed the payment that day but in doing so did not activate Ms. ***’s pre-authorized payment going forwardAs a result payment was not withdrawn in November, until the 25th when a non-contact payment was processedDecember’s payment was then processed on the 7th as this was the original date and Ms*** did not request her payment date changed againJanuary and February’s payments were also withdrawn on the 7th but the February payment was reversed due to insufficient funds. Page 2 Ms*** contacted DFS on February 22, regarding the reversed payment and subsequent insufficient funds fees from DFS and her bankA callback was made to Ms*** on February 28, to advise that DFS waived the $insufficient funds fee, however this was not within the timeframe she was quoted on February 22, We apologize for the delay. Please note that on March 3, DFS processed a refund to Ms***’s bank for the $45.00 insufficient funds fee she was charged from them due to the reversed paymentThis refund will post to her bank account 5-days from March 3, 2017. As of the date of this letter Ms***’s account balance is $1,Pre-Authorized payments were once again set up for months on February 22, effective March 15, - August 15, Ms. *** will need to contact DFS once again after August 15th if she wishes to set up another pre-authorized payment, otherwise her payments will default to the original payment date of the 7th of each month. We hope this letter helps explain and resolve this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely, *** *** Executive Services Dell Financial Services Dell - Internal Use - Confidential

Ms*** *** has entered into one months installment loan with Dell Financial Services (DFS) with a start date of March 7th,
At the time of Ms*** transaction, DFS was running a promotion: No interest for months on a months installment loan for any
purchase of $or more
The agreement Ms*** entered into was a months installment plan that did not qualify for the promotion offered at the time she made her purchase
Ms*** total purchase amount per her agreement was $hence did not qualify for the promotion
DFS received a credit in the amount of $that was applied to the account on April 3rd, A statement of account was mailed to the customer outlining the credit applied to the account on the 09/04/
The total obligation payable under Ms*** agreement is monthly payments of $The first payment made was in the amount of $but as a result of the credit, the subsequent monthly payments were reduced from $to $
In order to resolve this matter, DFS would like, as a goodwill gesture, to offer to waive all interest charges incurred if the full remaining balance on the equipment cost is received by October 3rd,
We invite Ms*** to contact us at ###-###-#### or at ###-###-#### to arrange the full payout
Here is a breakdown of how the payout amount has been determined
equipment cost : $681.38
credit dell : $(90.4)
payments received :
x = $
x 24.67 = $
payout = $

Complaint: ***
I am rejecting this response because: I have not been contacted ,,,,Here is my account information regarding my dell Cr ***
Regards,
*** ***

Complaint: ***
I am rejecting this response because:I have called Dell several times over the years to settle my accountThis is how I came to know that the account number provided on the monthly statement is not the same number used for online bill payments, which is also when I learned I could pay using online bankingThis is also how I know that Dell does not allow an increase in monthly payments.I have attached a copy of the letter I faxed and mailed in on 27Jul17, and again on 16OctI included a fax history showing faxes were successfully sent on 16Oct, and 18DecUnfortunately, I had to replace my fax machine in August so do not have evidence of previous faxes sent, but I have included proof of the printer replacement.The cheques I mailed in were never cashedThis is how I learned that the address for Dell doesn't even appear in the window of the envelope, but my own doesI took the liberty of providing an exampleI have used your 'contact us' feature on your website many timesAgain, no responseAlways asking to be calledI included a screen shot of my most recent submissionThere is no option to send a copy of the email to myself or even go back to take a screen shot of what I had sentReally, no way for a customer to prove they sent anything.I do know that you record all calls, therefore, since I have made so many attempts to have a representative from Dell call me surely you must have a recording of all your attempts to call me back. I didn't even get a call from Dell about the past due amountMe calling would just result in being hung up on or being placed on a ten year holdI am a manager in a call centre and know you can pull calls so you should be able to pull up my call using my phone number, ###-###-####This is the number *** used, so I know this is the number you have on file.I have paid my balance in full on December 21st to Aro, so you had already sold my debt to them but for some reason I received a new invoice from you yesterday? I have attached a copyThe ONLY representatives of Dell to ever interact with me are the ones who manage your Facebook page, and I only recently started chatting with themIronically, they are the only encounters I can print out as proof
Regards,
*** ***

As per the customer request we have made the change on her account and the current balance is now $
The next payment is scheduled for August 8, and will be in the amount of $15.00. This amount will be debited from the bank account ending with ***that is on file resuming the monthly pre-authorized payment
Any payment sent to Dell Canada Incor paid via online banking to Dell Canada Incwill result in delay in posting to DFS account If Ms*** want to send cheque or money orders to Dell Financial services for payment, they should be sent to DFS payment processing address Dell Financial Services - *** *** *** *** *** *** *** *** *** *** with the account number clearly indicated on the cheque

I am a small business owner and seeking low-cost IT solutionsI bought Dell Precision Laptops in the lastTwo of the three had the sample laptop display issuesI wanted to warn customers like me to avoid this companyThe deal looks greatBut you got what you paid for

Please see attached response and supporting documents Dear Revdex.com Representative: We are in receipt of a complaint from *** ***, originally addressed to the Revdex.com. In her complaint Ms*** states she paid $on a laptop that broke
after daysShe also states that she called three times asking to pay more towards her loan and was denied, until she threatened legal actionShe states she was then allowed to increase her payment to $a month which should have satisfied her balance yet she still has an outstanding balance. On January 5, 2011, Ms*** applied and was qualified for a Dell Preferred Account (“DPA”) with a credit limit of $2,and an Annual Percentage Rate (APR) of 28.99%After applying for the DPA and upon approval, she was advised that she was approved for the DPA. In January Ms*** placed two equipment orders with Dell for computer equipment totaling $940.71. Please see the attached transaction history that we have included for reference which includes the purchases, interest charges and payments. 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 assessed. Customers can reduce the account balance faster by making payments larger than the minimum amount due. Instructions for changing the Pre-Authorized Payment Plan are on the back of the monthly billing statements. On April 26, Ms*** placed an order for four (4) additional Dell products totaling $Her orders were placed on a month installment loan with an interest rate of 28.99% and a payment of $27.82 per monthAt the time of purchase a Pre-Authorized Payment Plan was set up for the monthly payment amountPlease note that eight (8) Pre-Authorized Payments were returned due to insufficient funds, which resulted in a fee and a past due balanceIn order to bring her account current an additional payment was set up on eight (8) occasions, for which she did authorizeWe’ve attached a transaction history of this account for referenceThis loan was paid in full on March 21, 2016. Records indicate that on June 26, Ms*** placed five additional orders for Dell products totaling $Her orders were placed on a month installment loan with an interest rate of 28.99% and a payment of $per monthAt the time of purchase a Pre-Authorized Payment Plan was set up for the monthly payment amountPlease note that six (6) Pre-Authorized Payments were returned due to insufficient funds, which resulted in a fee and a past due balanceIn order to bring her account current an additional payment was set up on six (6) occasions, for which she did authorizeWe’ve attached a transaction history of this account for referenceThis loan was paid in full on March 21, as well. The terms of the credit agreements, including the APR, were disclosed to Ms*** for each loan at the time she made the purchasesShe provided a personal passcode for each contract to verify her acceptance of the contract termsThe DPA and installment loan contracts state in part: The personal pass code that you provided to us has been inserted as your signature on the DPA Disclosure Statement and will become effective within one (1) business day, as described belowIf you do not call us to cancel the Agreement within one (1) business day after it is deemed to be received by you, you will be deemed to have accepted all its terms and conditionsAll monthly pre-authorized payments will be taken from the bank account that you provide to us in accordance with section of the DPA Terms and Conditions and section of the installment loans. Page 2 Records indicate that Ms*** accepted the terms of each contract. Regarding the comments that Ms*** received or more Collection calls per day, available records indicate that a total of fourteen collection calls have been made since January 5, Ten of those calls resulted in no answer, two resulted in dead air and two resulted in contact with herDFS reserves the right to contact a customer if the monthly minimum payment is not made in full by the applicable due date. Regarding Ms***’s comments that she was informed that three contracts were opened because she talked with Dell three times and they could not be changed, records indicate that she called Customer Service on March 11, disputing the multiple contracts as well as indicating that there was an unauthorized paymentShe was informed that she agreed to three different contractsShe requested copies of the contracts and contract copies were sent to her on March 14, The representative also informed her that because her January 14, payment for her installment loan ending in was returned due to NSF and attempts to reach her by phone were unsuccessful that a manual payment was withdrawn on February 26, in the amount of $27.82. DFS records indicate that on March 14, Ms*** contacted customer service and requested to increase her monthly payment for her DPAThe representative added five (5) payments of $from April 6, to August 6, Prior to that her DPA was set up to withdraw the minimum monthly payment amount, which was 3% of her DPA balance, each monthThe account balance at that time of this call was $692.57. All fees assessed to Ms***’s DPA and her installment loans have been assessed in accordance with the agreed upon terms and conditions of the DPA and the installment contractsAs of the date of this letter, Ms***’s DPA balance is $Please keep in mind that because interest accrues on her account daily she may have additional interest charges assessed on her next regular statement. Regarding Ms***’s comments about sending her laptop back to Dell, please note that Dell records do not indicate that she contacted them regarding a return or exchangeIf Ms*** has any further questions regarding the warranty on her purchase she may contact Dell directly at ###-###-####. We hope this letter explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely, *** *** Executive Services Dell Financial Services

Complaint: ***
I am rejecting this response because:
Dell Financial Services has completely missed the point ***t my accusation of harassment from their automated dialing systemThey skimmed over it like calling someone times in a day is acceptable business practiceThey have made no inclination that this behavior would stop if this situation ever, unfortunately, happened again
As a customer I would like my dealing to be made by DELL personal and not by a machine (no automated dialing)I have had nothing but horrible customer service from this companyThe resolution to this is to remove my client file from this absurd practice of harassing customers, attempt to make my dealing with your company more amicable - and I will do every thing in my financial prowess to close this account financially as quickly as possible - promising to never purchase anything from DELL again - and telling every single person I know what your customer service is like; bad but made good or just bad.
Regards,
*** ***

Complaint: ***Based on the information given from this complaint compared to the information given to me by the multiple people I'd dealt with during my conversations with Dell, things still do not line upWhen we spoke to Dell, they informed us that they were rerunning the JUNE'S paymentWithout my knowledge or permission, there were TWO payments that were attempted to run on the 30th of July. There was no permission given for two withdrawalsAugust's payment was fineYou show on your spreadsheet that you had to represent my September's payment October 20th, but I have proof (via bank statement attached) that my September payment was fine.
As per my bank statements you will also see THREE attempts to take my money on the 28th of OctoberIn which I was never told aboutI was told that there was to be two withdrawals, one for my October payment and the second one for the missed June paymentTHREE TIMES IN ONE DAY!?
I've highlighted in the attached document each item that is in regards to this complaintAs you'll see, the day before the payment was to come out we transferred over the required for the ONE payment., in which afterwards Dell attempted to take TWO payments without my knowledge.
Dell, please also answer my question regarding the recorded callsIt is once again being dodged every single time I askI really would not like to go after a court order to retrieve these calls.
Until then, we will stop all payments on this account until this dispute is resolved, and we can ensure that the payment system will be corrected
*** ***

Please see the attached response Dear Revdex.com Representative: We are in receipt of a complaint from *** ***, originally addressed to the Revdex.com. In his complaint Mr*** 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 years. Records indicate that Mr*** applied and was qualified for a Dell Preferred Account (“DPA”) on August 30, At the time of credit approval Mr*** 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*** was advised that he was approved for the DPAThe terms of the credit agreement, including the Annual Percentage Rate (APR), were disclosed to Mr*** at the time his application for credit was approvedAdditionally, the terms and conditions of Mr***’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*** did not contact us to reject the DPA credit agreement. At 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***’s authorization to withdraw the minimum payment due each month from his bank accountMr*** 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 ***There is no record of Mr*** 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 $100. 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 due. Please 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***’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***’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 statement. We 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 clarification. Sincerely,
*** *** Executive Services Dell Financial Services