Dell Financial Services Limited

Complaint: ***
I am rejecting this response because:
Attached is a copy of one of my billsMy bill gives me a minimal amount of information, just that I'm to keep payingDoesn't say when the payments started or what needs to be paid to pay it offDell controls what comes out of my bank account and is dragging this loan out as long as possibleI believed that just like my other loans the monthly payment was paying down my loan and it's not. Account# ***, I borrowed $My cost of borrowing Was $bringing me to $My payments of $a month started February and I currently owe $on the account. Account# ***, I borrowed $My cost of borrowing was $bringing me to $totalMy payments of $started on October I have roughly months of payments left and owe $In no way am I trying to contest these chargesI put a stop on my bank accountI had gotten into an argument with someone from dell financial and had told them I was blocking my bank account because of the one of the three accountsI received letters because my payments didn't go through for those accounts and I have mailed checks to cover those payments. My problem is with account# ***From the Date I opened that account April til now I spent a total of roughly $My payments each month have been roughly what I pay on my other accountsOn that $2151.21, I have already paid $and am being told I still owe another $with no timetable on when it will be paidkeep messing around with my payments and it's going to take another years and another $to pay off my purchaseI've had loans with dell total in my lifefirst one paid offI always thought that all of your loans were based over monthsI've had loans which were exactly what I thought with no problemsThis other loan is just ridiculousComputer hardware doesn't last and anyone knows that so to keep charging so much for so long is just plain wrongI realize my credit wasn't the best and I appreciate dell offering these services to help out for people who can't afford to pay things outright, but on this loan your taking advantage as much as you possibly can and its a huge ripoffAnother thing I want to mention is the fact that my bill I attached says I have $available credit, talked to dell financial and was told I actually had over $1000, talk to dell and they say im in default and have but have to pay so much to access ityou provide me statement and it provides me with wrong informationOver the course of a week I talked to dell atleast times trying to get things straightened outMany of my conversations were on dell chatDell chat send emails of my conversations to meI saved all of them. Would you like me to forward them as well to show how incompitant the customer service is? how many times notes were supposed to be put on my file and I was supposed to be called only to have to contact dell to find out no notes were left and no one knew what I was talking about? You wonder why I wanted access to my bank account removed?
Regards,
*** ***

Please see the attached response

Complaint: ***
I am rejecting this response because:
I have excellent credit, I pay all my bills on timeI have never missed a payment to Dell in all the years I have been dealing with themAfter many attempts to settle my account I was forced to put a stop payment on the accountDoes Dell think I just woke up one day and decided 'Hey, I am not going to pay Dell anymore!'
I provided proof that I contacted Dell in OctoberI faxed them a letter asking them to call meNo one called of courseI faxed it to ###-###-#### on October 16th and I have attached proof againI also attached proof it is Dell Financial Services fax numberI sent three pagesIf I didn't have to replace my fax machine in August I would have provided more proof
In addition, Dell's position is that they did not receive any communications from me prior to December 19th, On the same fax report you will see that I sent a further pages on December 18th, On that same day I called Dell and took the liberty of also recording the call at which time I was huon as I was so many times over the yearsI did not begin recording until I was advised by your system the call was being recordedFor some reason Dell did not include this piece of information in their inventory of documents I sent or any reference to it at all
In my previous rebuttal I included a screen shot of what is returned when one uses the 'contact us' feature on the websiteThere is no reference number that I could refer to in order to prove I sent it, there is not option to see what I wrote once it is sent nor is there an option to send a copy to myselfThere is no way to prove at all that I had sent anything, which is a convenient design and benefit for Dell
I can't prove that I called, but Dell can't prove that didn't call eitherAt no time did Dell ask me for the numbers I may have called from in order to look up the recordsThey simply say I didn't callHow does Dell know if I called or not? I work in a call centre and am very familiar with the call recording systemsI can prove I called on December 18th and was hung up on when I asked what recourse I hadHow am I supposed to prove I sent cheques in if Dell didn't cash them? I did follow Dell's steps to pay off my balance as per the instructionsI called ###-###-####, that is when I could guarantee one of two things to happen, I would get huon or would be put on an indefinite holdThat is the same number I called on December 18th when I was hung up onI used the remittance envelope and statement to mail in the chequesI was not aware, and it does not state anywhere on the statement that I should have sent the cheques by registered mailI believed Dell had more integrity and trusted they would just cash the cheques
I paid the balance to protect my credit but I firmly believe Dell owes me years of interest backI am willing to meet in the middle and settle on months of interest backI understand Dell is in the business of making money and it is not in their best interest to have customers pay off loans early but their way of preventing customers from doing so beyond words
Regards,
*** ***

Complaint: ***
I am rejecting this response because:
this matter is far from being closed, I sent an email yesterday closing my account with dell, I refuse to pay over four thousand dollars for an eight hundred dollar computor, even though I have purchased many items and they are all paid for I am still being charged on my full account which in canada is against the law I have paid 1,on an eight hundred dollar computor which is far beyond the amount I should of paid, I am stopping all payments today at my bank as more than enough has been paid, you cannot legally keep charging me for purchases already paid for, I did not make an agreement with the united states was never informed that the canadian end of dell had went bankrupt was never given the opportunity to pay the account off or to continue with monthy installments, as I said yesterday in the email my account with dell has been cancelled, we do not deal with racketeers here in canada, one more time do not touch my bank account, as far as I am concerned this issue is closed and I owe dell nothing , if u feel I do then by all means put it in collection because I will sue you if you even try to touch my bank account again *** ***
Regards,
*** ***

Please see the attached response and supporting document.Dear Madam or Sir: We are in receipt of a complaint from *** ***, originally addressed to the RevDex.comThe complaint was sent to Dell Financial Services (“DFS”) electronically through the online Revdex.com portal
on December 19, 2017. In the complaint Ms*** states the following: ? She has tried for years to pay off a TV financed years ago. ? She called customer service and attempted to obtain online banking information but was hung up on. ? She has mailed letters and sent faxes requesting to increase her payments and did not receive a response until December 5th, 2017. ? She mailed checks to pay off the account balance over a month period however the checks were not cashed. ? Last, Ms*** requests her account be cleared completely and removed from Collections. On February 21, 2011, Ms*** applied and was approved for a Dell Preferred Account (“DPA”) with a credit limit of $2,and an Annual Percentage Rate (APR) of 28.99%The terms of the credit agreement, including the APR, were disclosed to Ms*** at the time she was approvedMs. *** was provided a personal passcode to verify her acceptance of the contract termsThe DPA contract states 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. Records indicate that Ms*** accepted the terms of the contract. At the time the account was opened, Ms*** placed an order with Dell in the amount of $820.65 for a TVMs*** placed a second order on April 28, in the amount of $169.94, followed by a third order on May 19, totaling $Her account balance after her third purchase was $1,At the time the account was opened Ms*** agreed to set up a pre-authorized payment for the total current amount due each monthRecords indicate that a total of payments totaling $2,were made between the time the account was opened and June 2017, the last of which being on June 17, in the amount of $Please see the attached transaction history that we have included for reference which includes the purchases, interest charges and paymentsPlease note Page 2 that there is no record of the three payments Ms*** references that she sent in order to pay off her DPAThere is also no record of any recent phone calls in which Ms*** attempted to increase her monthly payment amount. The only correspondence DFS has record of receiving from Ms*** is the letter referenced in her complaint, which she forwarded to customer service on December 19, Customer service responded to her concerns that same day. 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 assessedCustomers can reduce the account balance faster by making payments larger than the minimum amount dueInstructions for changing the Pre-Authorized Payment Plan are on the back of the monthly billing statements. All fees and interest charges assessed to Ms***’s DPA have been assessed in accordance with the agreed upon terms and conditions of the DPA, therefore we must respectfully decline to clear her bill and remove her account from CollectionsAs of the date of this letter, Ms. ***s’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. 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:this matter is far from being closed, I sent an email yesterday closing my account with dell, I refuse to pay over four thousand dollars for an eight hundred dollar computor, even though I have purchased many items and they are all paid for I am still being charged on my full account which in canada is against the law I have paid 1,on an eight hundred dollar computor which is far beyond the amount I should of paid, I am stopping all payments today at my bank as more than enough has been paid, you cannot legally keep charging me for purchases already paid for, I did not make an agreement with the united states was never informed that the canadian end of dell had went bankrupt was never given the opportunity to pay the account off or to continue with monthy installments, as I said yesterday in the email my account with dell has been cancelled, we do not deal with racketeers here in canada, one more time do not touch my bank account, as far as I am concerned this issue is closed and I owe dell nothing , if u feel I do then by all means put it in collection because I will sue you if you even try to touch my bank account again *** ***
Regards,
*** ***

We have thoroughly reviewed this complaint in regards to Dell financial loan account no***.
The contract for the financing of Dell product commenced on February 8, 2012. Our contract requires auto-debit from a bank account to be provided by the customerThe
first payments were withdrawn via auto-debit from the bank account provided by the customer when the loan was set up. These payments were debited on the 8th of every month, a date that was not convenient for the client. The auto-debits on the 8th were suppressed and the debit payments were submitted to bank according to the client permissionPayments were made as agreed until August 2013. All subsequent payments were all returned as NSF by the bank
Per our records, all attempts to reach out the customer via telephone from September to January resulted in answering machines being reached or customer hung upsThe client has not contacted us with any explanation
Since we were not able to work out a resolution with the customer, the file was turned over to a professional collection agency in accordance to our policy and procedure
The last interaction noted on file is dated April 14, 2014, in which the customer stated that he had sent a cheque to DFS but refused to provide any details
We strongly recommend that the customer to work with the professional collection agency to resolve the account

Please see the attached letter, along with a copy of the contract and transaction history Dear Revdex.com Representative: We are in receipt of a complaint from *** ***, originally addressed to the Revdex.comIn her complaint Ms*** states that her
Dell Preferred Account (“DPA”) balance is much higher than expected and that this is due to items placed on her account without her authorizationShe also states that only eight dollars per payment is being applied towards principal. Records indicate that on August 17, Ms*** applied and was qualified for a DPA with a credit limit of $and an Annual Percentage Rate (APR) of 28.99%After applying for the DPA and upon approval, Ms. *** was advised that she was approved for the DPAThe terms of the credit agreement, including the APR, were disclosed to Ms*** at the time her application for credit was approvedPlease reference the attached copy of Ms***’s DPA contract. At the time the account was opened an equipment order was placed with Dell for computer equipment totaling $Records indicate that three additional purchases were made on January 24, in the amount of $(note that a credit was applied towards the DPA for this purchase in the amount of $38.41) and August 26, in the amounts of $and $Please see the attached transaction history that we have included for reference. Please note that the Dell Preferred Account 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 dueInstructions for changing the Pre-Authorized Payment Plan are on the back of Ms***’s billing statement. 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 to refund her for the additional purchases made to the account, and to consider the account paid in fullAs of the date of this letter, Ms***’s Dell Preferred Account 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 contention that there were purchases applied to her account that she did not authorize, please note that DFS maintains policies and procedures to detect and prevent fraud and identity theftThere was no fraud suspected at the time any of the purchases were made to her accountIf Ms*** feels that any of the purchases made to her account were the result of fraudulent activity we ask that she contact our Fraud department at ###-###-#### so that they may conduct a proper investigation into her claim. We hope this letter, along with the attached documentation helps to explain and resolve this matter. Please do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely, *** *** Executive Services Dell Financial Services

Dear Revdex.com, I am writing on behalf of Dell Incin response to the complaint filed with your office by the customer. Thank you for providing a copy of thecustomer’s submission. A Dell representative, *** has recently contacted the customer
regarding their concerns. We regret any dissatisfaction the customer may have experienced and appreciate the Revdex.com’s feedback. *** explained to the customer that they did not have enough available credit in their Dell Preferred Account to make the purchase they wanted. Should any future concerns arise regardingthis matter, the customer may contact Dell’s representative via email at: ***. Dell now moves to close this matter regarding Incident ID: ***. Sincerely, Advanced Resolution GroupIncident ID# ***Dell Inc

Dear Revdex.com, I am writing on behalf of Dell Incin response to the complaint filed with your office by the customer. Thank you for providing a copy of thecustomer’s submission. A Dell representative, *** has recently contacted the customer regarding their
concerns. We regret any dissatisfaction the customer may have experienced and appreciate the Revdex.com’s feedback. *** explained to the customer that they did not have enough available credit in their Dell Preferred Account to make the purchase they wanted. Should any future concerns arise regardingthis matter, the customer may contact Dell’s representative via email at: ***. Dell now moves to close this matter regarding Incident ID: ***. Sincerely, Advanced Resolution GroupIncident ID# ***Dell Inc

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 account. Dell 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 days. We are currently in the process of disposing the lease contract ending in In the meantime we have requested that all Collection activity cease. 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, [redacted] Executive Services Dell Financial Services

Complaint: [redacted]
I am rejecting this response because:As said before and providing proof, I Have 2 (two accounts) with a credit limit of 1,800.00 on each. The rebuttal letter even admitted this! I again was told to "re apply" which I have already done twice (2 times) now and was approved. Therefore 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]

Revdex.com:
When I spoke to the [redacted] 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 normal 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,
[redacted]

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]

July 09, 2015 To: Central TX Revdex.com Consumer: [redacted] Revdex.com CASE#: [redacted] Dear Revdex.com Representative: We are in receipt of a complaint from [redacted], originally addressed to the Revdex.com. In her complaint [redacted] states that she has...

been making payments towards her Dell Preferred Account (“DPA”) for five years however her balance has not decreased. Records indicate that [redacted] opened her Dell Preferred Account on April 20, 2010. [redacted] applied and was qualified for a Dell Preferred Account with a credit limit of $3500.00 and an APR of 28.99% at the time of credit approval. After applying for the Dell Preferred account and upon approval, [redacted] was advised that she was approved for the Dell Preferred Account. The terms of the credit agreement, including the Annual Percentage Rate (APR), were disclosed to [redacted] at the time her application for credit was approved. Please note that DFS is unable to change the terms of the DPA, per [redacted]’s request. At the time the account was opened an equipment order was placed with Dell for computer equipment totaling $134.39. There were then four additional purchases made between July 2010 and October 2010, totaling $1067.44. After reviewing [redacted]’s payment history, DFS finds that on twelve occasions her payment was returned due to insufficient funds. This resulted in a $25 insufficient funds fee on each occasion, totaling $300.00 in insufficient funds fees. 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 [redacted] when the account will be paid in full. Unlike 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 term. There is no set date on which the account will "end;" rather, there will be no more payments due when the account balance is $0.00. The customer can reduce the account balance faster by making payment larger than the minimum amount due. If 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 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, 2010 due to previous mailings being returned. DFS tried on multiple occasions to reach the customer in order to update her address but was unable to reach her. Records 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.com. Beginning with her July 21st billing statement, [redacted] will be sent mail once again. Page 2 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 Account. As of the date of this letter, [redacted]’s Dell Preferred Account balance is $1079.60. The last payment was received on June 19, 2015 in the amount of $32.67. 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 matter. Please do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely, [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.com. In...

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 account. Records indicate that Mr. [redacted] applied and was qualified for a Dell Preferred Account (“DPA”) on April 20, 2010. At the time of credit approval Mr. [redacted] was approved for a Dell Preferred Account with a credit limit of $2500.00 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 Account. The terms of the credit agreement, including the Annual Percentage Rate (APR), were disclosed to Mr. [redacted] at the time his application for credit was approved. Additionally, the terms and conditions of Mr. [redacted]’s credit agreement were mailed to him within 48 hours of his approval for credit. The terms and conditions give the customer three (3) days to contact us to reject the credit agreement. Our records indicate that Mr. [redacted] 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 $623.48. 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 account. Mr. [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 profile. Please be advised that we have reviewed the special financing promotions from April 2010 and there were three available, however none that included an Inspiron 1545 system, which is what Mr. [redacted] ordered. Mr. [redacted] had the option to open a DPA or an installment loan for his purchase. 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 Mr. [redacted] when the account will be paid in full. Unlike 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 term. There is no set date on which the account will "end;" rather, there will be no more payments due when the account balance is $0.00. The customer can reduce the account balance faster by making payment larger than the minimum amount due. If 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.” Page 2 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 2010 due to previous mailings being returned. Mr. [redacted] contacted DFS on September 29, 2014 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 out. Please note that there is no record of Mr. [redacted] contacting DFS prior to September 2014 regarding not receiving billing statements. 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 Dell Preferred Account. As of the date of this letter, Mr. [redacted]’s Dell Preferred Account balance is $397.96. The last payment was received on June 14, 2015 in the amount of $15.00. 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 regret any inconvenience this matter may have caused to Mr. [redacted]. We hope this letter explains and resolves this matter. Please do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely, [redacted] Executive Services Dell Financial Services

Complaint: [redacted]
I am rejecting this response because you once again ignored anything that didn't make you look good. You completely ignored the fact that your information and my bank statements did NOT line up and proceeded to correct yourself. There is no reason for this. Dell has lied to us, and given us the worst possible service I have EVER seen. I have ensured that all of the local businesses know NEVER to purchase a Dell product because Dell will LIE to them and IGNORE their questions.ONCE AGAINIs there access to the recorded calls from my conversations with Dell Financial. I have asked this MULTIPLE times and you have IGNORED it multiple times. Is it maybe because there is something you are trying to hide in those calls? We want compensation for the lies and harassment we have had to put up with from Dell. Dell needs to learn to OWN UP to their mistakes and make up for them.
No Regards,
[redacted]

please see the attached response.
Revdex.com CASE#: [redacted] Dear Revdex.com Representative: We are in receipt of a complaint from [redacted], originally addressed to the Revdex.com. In her complaint Ms. [redacted] states that she paid her account in full however she is receiving Collection calls regarding a balance owed of $119.00. Records indicate that Ms. [redacted] opened a forty-eight (48) month installment loan on December 01, 2010. Ms. [redacted] made forty-three (43) payments of $58.72 between the time the account was opened and July 2014. On July 30, 2014 Ms. [redacted] contacted Dell Financial Services (“DFS”) and was provided a payoff amount of $111.01. This payment was scheduled to be withdrawn on August 28, 2014, however when DFS attempted to withdraw the payment on that day it was rejected. This was the last payment that DFS attempted to withdraw. Please note that Collections has attempted to reach Ms. [redacted] several times since October 2014 regarding the outstanding balance, which increased to $119.48 on December 01, 2014 due to added interest charges. Ms. [redacted]’s account was assigned to ARO Collection, Inc. on December 01, 2014. We ask that she contact them directly at ###-###-#### in order to make a payment, or discuss any other concerns she might have. We hope this letter clarifies and resolves this matter. Please do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely, [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[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.com. In 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 years. Records indicate that Mr. [redacted] applied and was qualified for a Dell Preferred Account (“DPA”) on August 30, 2011. At the time of credit approval Mr. [redacted] was approved for a DPA with a credit limit of $2500.00 and an APR of 28.99%. After applying for the DPA and upon approval, Mr. [redacted] was advised that he was approved for the DPA. The terms of the credit agreement, including the Annual Percentage Rate (APR), were disclosed to Mr. [redacted] at the time his application for credit was approved. Additionally, the terms and conditions of Mr. [redacted]’s credit agreement were mailed to him within 48 hours of his approval for credit. The terms and conditions give the customer three (3) days to contact us to reject the credit agreement. Our records indicate that Mr. [redacted] 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 $2253.49. 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 account. Mr. [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 $100 until November 25, 2015, at which point the request was completed. Beginning 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 assessed. The 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. [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 $2230.11. The last payment was received on November 14, 2015 in the amount of $67.22. 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 matter. Please do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely, 
[redacted] Executive Services Dell Financial Services