Complaint: [redacted] I am rejecting this response because: first, their own policy states that finance charges are accrued with a new purchaseIt does not state these are charged every month, with new purchase to me means onceIf it is to be charged monthly, their terms and conditions must say soAnd they do notI had even quoted their own terms a nd conditions to them on the phone multiple times.The late charges have zero to do with my complaintIf it is interest, it needs to state interestFinance charges accrue once, not times a yearTheir reaponse is unacceptable and I would have accepted the $if they were even willing to discuss the rest, but they weren'tAfter that, the $I have paid in finance charges charged monthly (does not say interest on my statements like Dell is stating it means) would be a non-issue to them because they would believe that solved all of my problemsIt does notYes, additional purchases were madeSo, even according to their terms and conditions, I should have only been charged 7/finance charges on those purchases when they accruedNot every single month after that, especially since their own terms and condition didnt even state they were a monthly chargeThey have been reported to the CFPB who has refered my complaint to the FDIC after reviewing itDell has been sued for these so-called 'finance charges' before, and I am prepared to do so in this caseI just want them to do the right thing hereThey have taken $from me in what I am calling "fraudulent" charges since they keep stating these charges are actually interest, which is mot stated anywhere! Regards, [redacted]
Please see the attached response Dear Revdex.com Representative: We are in receipt of the follfrom [redacted] , originally addressed to the Revdex.comPlease note that on November 12, Mr [redacted] contacted Dell Financial Services (“DFS”) and requested to have Mrs [redacted] added to his Dell Preferred Account (“DPA”) as an authorized designeeWe appreciate Mrand Mrs [redacted] complying with our Privacy Policy and taking the appropriate actions to have Mrs [redacted] added to the DPA as an account designeePlease be advised that Mrand Mrs [redacted] ’s August purchase was qualified for a promotional financing feature of no interest, if paid in full within twelve monthsIn order to avoid interest charges, the Total Dell Order amount was to have been received on or before September 15, The promotional balance as listed on the August billing statement was $DFS received payment in the amount of $on September 18, This payment would have been sufficient in paying the remaining promotional balance and avoiding deferred interest charges, along with a late fee had it been received by the promotional expiration dateBecause the payment was received three days after the payment due date there was a deferred interest charge in the amount of $315.63, along with a late fee charge in the amount of $assessed to the DPAPromotional credit plans as well as any items purchased under a “regular” or interest-bearing plan are listed on the customer’s billing statement each month under the section titled Interest Charge CalculationPlease reference the Dell Preferred Account Terms and Conditions: No Interest Credit Plan - If you pay the full purchase price before the expiration date of the promotion, as indicated on your billing statement, and pay the Minimum Payment Due each Billing Period when due, no Interest Charges will be imposed on the purchaseIf such payments are not made, Interest Charges from the date of shipment will be added to your Account either when you fail to make a payment during the promotion period or at the end of the promotion periodWe may offer promotion periods of different lengths that we will announce from time to timeAdditionally, please note, on each of the statements prior to the promotion expiration date, DFS listed the promotion expiration date in the Interest Charge Calculation sectionThis area is outlined in a thickened box for Mrand Mrs [redacted] ’s referencePlease also note the disclosure directly above the Transaction Detail Box: “NOTE: Interest accrues at your standard rate of 25.99% (variable) from purchase dateTo avoid deferred interest, pay promotional balance in full by expiration date found in the interest charge calculation box belowWhen promo expires, interest will Page be imposed from purchase date at your standard rate of 25.99% (variable)Payments are applied to your total minimum payment dueIn regards to the late fee that was assessed, please understand that when customers are one day late DFS will charge a late fee charge to the customers Dell Preferred AccountPlease reference the section of the DPA terms and conditions titled ChargesCharges: A Late Payment Fee will be imposed if you fail to pay us the Total Minimum payment due in full by the Payment Due Date on your billing statementPlease understand that all fees assessed to the DPA have been assessed in accordance with the agreed upon Terms and Conditions of the Dell Preferred AccountPlease note that Mr [redacted] contacted DFS regarding the deferred interest charges on October 05, and was provided a $courtesy waiverIn the interest of customer satisfaction we have now waived the remaining $in deferred interest charges that were assessed to the DPA on September 20, in the interest of customer satisfactionAdditionally we have waived the $in late fee charges and interest that were assessed since September 15, As of the date of this letter the DPA balance is $For the concerns that Mrs [redacted] references in her complaint regarding defective products, we ask that she contact Dell customer care at 800-624-in order to have those addressedWe 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
Please see the attached response Dear Revdex.com Representative: We are in receipt of a complaint from [redacted] ***, originally addressed to the Revdex.comIn his complaint Mr [redacted] expresses concern regarding a late payment fee that was assessed to his Dell Preferred Account (“DPA”)Dell Financial Services (“DFS”) records indicate that on May 25, 2015, Mr [redacted] rescheduled a one-time payment of $to June 9, Payments may take up to 2-business days to post to a customer’s account; however they are posted to the account using the date on which the payment was processedAny late fee assessed in such a situation is automatically reversed when a payment is posted with the date it was receivedMr***’s payment was posted to his account on June 10, with an effective date of June 9, Both the late fee and the “Automatic Late Fee Reversal” were reported on Mr***’s June 14, billing statementPlease be advised that Mr [redacted] called Customer Service on June 11, regarding the late fee assessed to his accountDuring this call the representative informed Mr [redacted] that payments may take to days to post to an account and informed him that she would monitor his account for late feesRecords indicate that Mr [redacted] also emailed Customer Service on June 11, indicating that he had been assessed a late fee and wanted it to be removed and requested a return callCustomer Service sent a reply to Mr [redacted] informing him that a representative would call him back within one business day to discuss his concernsRecords indicate that Customer Service made a return call that same day and left a voicemail for Mr***Customer Service received a second and third email message from Mr [redacted] on June 12, A reply was sent to Mr [redacted] informing him that an unsuccessful attempt had been made to reach him previously and requested the best phone number and time to reach himMr*** wrote back stating that he could be reached in the eveningsRecords indicate that at 6:p.mCT on June 15, 2015, Customer Service called and left a voicemail for Mr***A third return call was made on June 17, and a voicemail was leftMr [redacted] did not return any of the calls made to himAs of the date of this letter, Mr***’s DPA balance is $We respectfully decline Mr***’s request for a $credit as the late fee was automatically reversed and DFS has found no error in this matterPlease note that Mr***’s automatic monthly payment plus an additional $is scheduled to be processed on Thursday, July 9, Because it may take up to 2-days for the payment to post to Mr***’s account, a late fee may be assessed, however, the payment will be posted with an effective date of July 9, 2015, the date the payment is to be processed, and the late fee will be automatically reversedWe 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
Please see the attached response 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 satisfactionAs previously stated, Dell Financial Services (“DFS”) requires customers to contact us by phone once their profile is locked, for security purposesWe appreciate Ms [redacted] ’s willingness to contact DFS so that we may assist her with this issueWe regret any inconvenience this issue may have caused to Ms [redacted] however please understand that DFS records indicate that the incorrect security response was entered twice prior to her profile being lockedAgain, going forward, if Ms [redacted] registers her device she will no longer be asked to answer the security questions, only her passwordAlthough all fees assessed to Ms [redacted] ’s account have been assessed in accordance with the agreed upon terms and conditions, we have now waived her July late fee in the amount of $in order to resolve this issuePlease understand that although Ms [redacted] filed her complaint with your office prior to her due date, payments are still required by the due date in order to avoid late payment feesDFS responded to her complaint within the allotted timeframe by the Revdex.com however we waived her late fee in the interest of customer satisfactionAs of the date of this letter Ms [redacted] ’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 statementWe 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
Please see the attached response Dear Revdex.com Representative: We are in receipt of a complaint from [redacted] , originally addressed to the Revdex.comIn her complaint [redacted] expresses concern regarding the outstanding balance of her Dell Preferred Account (“DPA”)Dell Financial Services (“DFS”) records indicate that on March 01, [redacted] applied and was approved for a Dell Preferred Account with a credit limit of $and a corresponding APR of 25.99%The terms of the credit agreement, including the Annual Percentage Rate (APR), were disclosed to [redacted] at the time her application for credit was approvedOur records indicate that [redacted] accepted the terms of the credit agreementAdditionally, the terms and conditions of [redacted] ’s credit agreement were mailed to her within hours of her approval for creditThe terms and conditions give the customer three (3) days to contact us to reject the credit agreementOur records indicate that [redacted] did not contact us to reject the DPA credit agreementPlease be advised that at the time of the account opening [redacted] placed an order with Dell in the amount of $ [redacted] then made five additional purchases between February and July 2014, totaling $Please note that the February purchases, which totaled $1255.60, were qualified for a promotional financing feature of no interest if paid in full within monthsIn order to avoid interest charges, the Total Dell Order amount was to have been received on or before May 02, As [redacted] ’s promotional plan had a remaining balance of $on May 02, 2012, the promotional financing feature expired and billed deferred interest charges were assessed to her Dell Preferred Account in the amount of $Promotional credit plans as well as any items purchased under a “regular” or interest-bearing plan are listed on the customer’s billing statement each month under the section titled Interest Charge CalculationPlease reference the Dell Preferred Account Terms and Conditions: No Interest Credit Plan - If you pay the full purchase price before the expiration date of the promotion, as indicated on your billing statement, and pay the Minimum Payment Due each Billing Period when due, no Interest Charges will be imposed on the purchaseIf such payments are not made, Interest Charges from the date of shipment will be added to your Account either when you fail to make a payment during the promotion period or at the end of the promotion periodWe may offer promotion periods of different lengths that we will announce from time to timeAdditionally, please note, on each of the statements prior to the promotion expiration date, DFS listed the promotion expiration date in the Interest Charge Calculation sectionThis area is outlined in a thickened box for [redacted] ’s referencePlease 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 Page 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.” After reviewing [redacted] ’s payment history, DFS finds that her minimum monthly payment amount was received late on forty-six (46) occasions, totaling $in late fee chargesPlease be advised that when customers are one day late DFS will charge a late fee charge to the customers Dell Preferred AccountPlease reference the section of the terms and conditions titled ChargesCharges: A Late Payment Fee will be imposed if you fail to pay us the Total Minimum payment due in full by the Payment Due Date on your billing statementPlease understand 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 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 statementPlease note that as [redacted] ’s account is open and current we must respectfully decline her request for a settlement offer, as a settlement for less than the full balance would result in the remaining balance being charged-off, leading to a negative impact to her credit reportRegarding the referenced due date change, please note that [redacted] ’s monthly due date was the 26th of each month through November 26, After this date her due date was changed to the 2nd, beginning in January This was in accordance with The Card ActRecords indicate that in the months where [redacted] ’s DPA was assessed a late payment fee, her payment was received after the 2nd of the monthWe 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: I submitted checking account bank statements showing payments in excess of $I'd be happy to resend them or post them here, if needed Regards, [redacted] ( [redacted] )
Please see the attached responseDear Madam or Sir: We are in receipt of the complaint from [redacted] ***, originally addressed to the Revdex.com and forwarded to Dell Financial Services (“DFS”) electronically through the online Revdex.com portal on October 30, In the complaint Mr [redacted] states the following: ? On August 22, his roommate used his personal identifying information to open an account with DFSHe reported this fraudulent activity to the police and Dell that same weekHe was advised that an investigation could take up to days? When the equipment arrived at his house he worked with the fraud representative to have it shipped back to DellFedEx picked up the equipment a few weeks later and he received an email confirmation once Dell received it? Now, months after the fraud took place he still has not received an update regarding the investigation and information regarding the account is still reflecting on his credit reportDFS maintains policies and procedures to detect and prevent fraud and identity theftThese policies and procedures are in compliance with applicable federal and state laws, and are consistent with the standards of the consumer finance industryDFS records indicate that an account was opened in Mr***’s name on August 22, and at that time the referenced purchases were placed on the accountDFS first received Mr***’s fraud claim on August 29, and the DPA was referred to our Fraud department to conduct an investigationAt that time a letter was mailed to Mr [redacted] stating that we will respond within days and will notify him in writing of our decision or a need for additional informationThe letter also stated that if we conclude that fraud has occurred we will submit a request to the credit reporting agencies to remove our information from his credit reportIn most cases DFS completes their investigation within days from the initial report however, federal statute allows days to complete a fraud investigationPlease note that DFS concluded its investigation and accepted Mr***’s fraud claim on October 23, 2017, which was within the time frame allowed by federal statuteAn update was provided to Mr [redacted] within the days as promised when he called and spoke to the fraud investigator assigned to his case on September 27, The DPA was closed due to fraud on October 23, and an update was submitted to the credit reporting agencies to remove the trade line from his credit reportWhile DFS reports to the credit agencies, the credit report is the sole property of the agency generating the reportCurrently, DFS submits account information to Experian, Equifax, TransUnion and InnovisPlease allow 30-days for the deletion to be reflected on Mr***’s credit reportIf he should have any questions regarding his credit report, he will need to contact Experian at [redacted] -***, Equifax at ###-###-####, TransUnion at ###-###-####, Innovis at ###-###-#### or at the phone number on his credit reportPage In regard to Mr***’s request for the details of how our investigation was performed, please understand that this is proprietary information that is only released to law enforcement when a subpoena is providedWe regret any inconvenience this matter may have caused to Mr [redacted] and we hope this letter explains and resolves this issuePlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, [redacted] Executive Services Dell Financial Services Dell - Internal Use - Confidential
Complaint: [redacted] I am rejecting this response because: until I actually get a printed November statement, I cannot accept their answer They have lied to me and to the Revdex.com regarding this matter They refused to believe that I had received three blank statements last month, so I mailed a copy of one to Mr [redacted] which he has yet to respond to Regards, [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 Thank you for resolving this issue with Dell Financial I have received the credit on my Dell Financial account as of this message Regards, [redacted]
Please see the attached responseDear Revdex.com Representative: We are in receipt of a complaint from [redacted] , originally addressed to the Revdex.comIn her complaint Ms [redacted] states she made a purchase with Dell and provided her new address at that time however did not receive her monthly Dell Preferred Account (“DPA”) billing statements as they had gone to her old addressDell Financial Services (“DFS”) records indicate Ms [redacted] opened her DPA on July 13, At the time the account was opened an equipment order was placed with Dell for computer equipment totaling $Ms [redacted] then made an additional purchase totaling $on November 22, The address on file for Ms [redacted] ’s DPA is [redacted] ***The address Ms [redacted] provided to Dell at the time of her November purchase matches the address provided to the Revdex.com, however there is no record this address was provided to DFSSince DFS was never notified of a change in billing address, the billing statements continued to be sent to the previous addressPlease reference the terms and conditions regarding change of address: Change of AddressIf you move or change your billing address or e-mail address, you agree to promptly notify us of your new address in writing or online at [redacted] DFS did not receive payment after Ms [redacted] ’s November purchase until August 2016, when she made a payment in the amount of $Please note her DPA was closed due to delinquency on April 12, 2015, then subsequently charged-off when it became days delinquent on July 13, The balance at the time of charge-off, due to accumulated late fees and interest was $Please be advised all fees assessed as well as the account closure and subsequent charge-off are valid according to the agreed upon terms and conditions of the Dell Preferred Account, therefore we must respectfully decline to remove the fees along with the negative credit reportingAs of the date of this letter Ms [redacted] ’s DPA balance is $DFS is accurately reporting Ms [redacted] ’s DPA tradeline to the credit bureaus as charged-off with a $balancePlease note, while DFS reports to the credit agencies, the credit report is the sole property of the agency generating the reportCurrently, DFS submits account information to Experian, Equifax, TransUnion and InnovisIf Ms [redacted] should have any questions regarding her credit report she will need to contact Experian at ###-###-####, Equifax at ###-###-####, TransUnion at ###-###-####, Innovis at ###-###-#### or at the phone number on her credit reportUpon charge-off the account was assigned to United Recovery SystemsWe ask that Ms [redacted] contact United Recovery Systems at ###-###-#### for any questions regarding her account, or to make a paymentWe hope this letter explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, Terry [redacted] Executive Services Dell Financial Services
Please see the attached responseDear Revdex.com Representative: We are in receipt of a complaint from [redacted] , originally addressed to the Revdex.comIn her complaint, Ms [redacted] expresses concern regarding charges to her Dell Preferred Account (“DPA”), which she states she did not authorizePlease be advised that a DPA was opened in Ms [redacted] ’s name on August 29, DFS maintains policies and procedures to detect and prevent fraud and identity theftThese policies and procedures are in compliance with applicable federal and state laws, and are consistent with the standards of the consumer finance industryPlease note that there was no fraud suspected at the time the account was openedDFS Records indicate that in September three (3) orders were placed totaling $There were six (6) additional purchases made between May and August 2011, totaling $We have confirmed that all orders were shipped to Ms [redacted] at the address on file, which matches the address provided to your officeFurthermore it appears that Ms [redacted] has made one hundred and one (101) payments towards her DPA for a total of $6134.00, the last of which being on August 11, Please note that DFS has received three (3) fraud claims regarding Ms [redacted] ’s DPAThe first claim of fraud was received on September 30, and was closed on October 11, after several calls were made to Ms [redacted] to discuss the claim that were not answered or returnedA letter was mailed to Ms [redacted] on October 11, advising that her fraud claim was closed due to no contactA second fraud claim was opened on February 9, and closed on April 19, 2016, again due to no contact from Ms [redacted] A letter was again mailed to her, on April 19, 2016, advising that her claim was closedA third and final fraud claim was opened on July 8, and was closed on July 25, This time the claim was closed after the fraud investigator spoke with the customer and determined that no part of the balance was due to fraudulent activityA letter was again mailed to Ms [redacted] , on July 25, Please understand that as no fraudulent activity was found during our investigation we must respectfully decline to adjust the balance on Ms [redacted] ’s DPA, or to make any adjustments to the credit reporting of her accountMs [redacted] is responsible for the remaining DPA balance, which as of the date of this letter is $Ms [redacted] ’s next payment in the amount of $177.00, which includes a past due amount of $137.00, is due by October 19, 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
Complaint: [redacted] I am rejecting this response because: Yes a late fee was credited and then reposted to my account And this months bill reflects that, this is how my account was paid 12-31-for JAN 2017, 1-27-for Fed 2017, 2-24-for March 17, 3-31-( dell bill says 4-2-17) for April And now I owe for May? If I was credited the amount as stated my bill would only be thats what its suppose to be I personally will never do business with this company again and will advise any one that will listen to do the sameAnd heres the proof Regards, [redacted]
Please see the attached responseDear Revdex.com Representative: We are in receipt of a complaint from [redacted] ***, originally addressed to the Revdex.comIn her complaint Ms [redacted] expresses concern regarding a refund that she has yet to receive after making payments on a purchase that she returned for a full creditDell Financial Services (“DFS”) records indicate that on December 16, Ms [redacted] applied and was approved for a Dell Preferred Account (“DPA”) with a credit limit of $and a corresponding APR of 25.99%The terms of the credit agreement, including the Annual Percentage Rate (APR), were disclosed to Ms [redacted] at the time her application for credit was approvedOur records indicate that Ms [redacted] accepted the terms of the credit agreementAdditionally, the terms and conditions of Ms***’s credit agreement were mailed to her within hours of her approval for creditThe terms and conditions give the customer three (3) days to contact us to reject the credit agreementOur records indicate that Ms [redacted] did not contact us to reject the DPA credit agreementPlease be advised that at the time of purchase Ms [redacted] placed three (3) orders with Dell for computer equipment totaling $On December 30, Dell issued a credit to Ms***’s account as a courtesy, in the amount of $Ms [redacted] then decided to return this order on January 10, for a full creditMs [redacted] later decided to return the two (2) remaining orders that were placed in December 2015, and received a full creditIn the meantime however as Ms [redacted] had a minimum payment due on her DPA billing statements she made two payments ($on January 20, and $on February 21, 2016)These payments were reversed on March 25, and the funds were deposited into Ms***’s funding accountBecause Ms [redacted] received a courtesy credit of $162.00, then returned all of her purchases, DFS needed to have the courtesy credit reversedThis was processed on March 24, 2016, and needed to be processed prior to reversing the payments that she had madeWe apologize for any inconveniencePlease note that Ms [redacted] first contacted DFS on March 8, regarding a refund, and the refund was submitted to her on March 25, We must respectfully decline her request for compensation as this is within DFS policy for processing this type of requestAs of the date of this letter Ms***’s DPA is open and current with a $balanceWe 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: A late payment should have never been filed against my credit report without Dell Financial Service (DFS) exhausting all means to try to contact me about a payment I was never advised by Dell Financial Services would be due!!! We must ask ourselves, why would a person with wealth in the top 5% of Americans fail to make a payment of $per month to Dell Financial Services? Why would I not make a payment to Dell Financial Service for over six months if I understood that these payments were due? Why would I suddenly, for the first time in my entire life, fail to make a tiny little payment such as these if I knew that they were owed? WHY? Why would a year old person who has an outstanding credit history, not make a $payment to Dell Financial Services, month after month, after month? Why would I not make this tiny little $payment, and risk damage to my credit score! WHY ?????? I keep many notes and chats with Dell ChatI was told I could make one paymentIt was my understanding, as long as the entire amount was paid off by 12-18-2016, there would be no interest charges or any additional expenseThe Dell Chat Repsaid he could offer me a much better deal if I set up an account with Dell Financial ServicesSo I was transferred to Dell Financial Services, and planned on making the balloon payment in advance of the due date I reject the DFS statement that I accepted the terms of the DFS agreementI never read any of the DFS mailings because they were going to my business shipping address mailbox where the Areacomputer was shippedDFS mailings were not coming to my business mailing address, which is a PO BOX number I never was told or agreed to or was expecting to receive a mailing from DFS for a minimum monthly paymentThese DFS mailings were going in to a box with all the other junk mail that is received at the E mailboxIf I had been told that there would be a minimum monthly payment I would have just paid off the amount in fullIn the least, I would have given DFS my PO BOX number to mail these payment mailings DFS says they called me many times FALSE!!! My DFS Profile has three numbers listed ***, ***, *** [redacted] number was to a cell phone that I reported stolen and this number was locked [redacted] - [redacted] number, I have no idea where that one came from or how it got on my account [redacted] number is my personal cell numberThis is the one I gave to DFS when setting up the accountI received no voicemail messages from DFS, nor any calls to my knowledgeI don't answer calls if caller ID does not identify the callerThese calls would have went to my voicemailOnce again, there were NO messages left on my voicemail from DFS warning me of any late payments, or notifying me that a minimum monthly payment was due, or advising me to call Dell Financial Services immediatelyHad Dell Financial Service done so, I would have paid the full amount off, and been done with it When talking to the DFS representative in an attempt to try to find out: WHY a year customer of Dell who has spent thousands of dollars on the highest end computers Dell sells, with a credit rating of 830, and an income in the top 5-10% of Americans, was never called or contacted via email or my cell number [redacted] was emphatic that "DELL FINANCAIL SERVICE DOES NOT CALL OR EMAIL ANYONE FOR LATE PAYMENT NOTIFICATION!!!! DFS ONLY NOTIFIES OF LATE PAYMENTS THROUGH THE ACCOUNT MAILINGS." The ONLY way that I learned that Dell Financial Services was showing that a $per month payment had not been paid for several months, was when [redacted] reported to me that Dell Financial Services had filed a late payment report against meI immediately called Dell Financial Services to find out what was going on, and paid the balance of the accumulated minimum monthly payments Dell Financial Services told me were owedI told them at the time, that I had never been told by ANYONE, that there was a minimum monthly payment dueDFS/ [redacted] said, we do that in your mailing [redacted] states: If you're in good standing with your creditor, they might agree to remove the late payment from your report I am in excellent standing with DellFor 20-years now I have only bought Dell computersI have always paid off the amount owed Dell in fullOnly when the Dell Chat Rep said he could offer me a lot better deal, (at no additional cost if paid off by 12-18-2016) if I set up a Dell Financial Services accountIt was my understanding this was a typical balloon payment, and I would simply pay it off in full a couple of weeks before the deadline I can prove that Dell Financial Services never left me any voicemails or called my cell over times at my personal cell ***, which was given to the DFS representative when I set up my account and is listed on my DFS profileSo when Dell Financial Services said they called so many times, WHO, were they calling? We know the [redacted] number is not validThe [redacted] cell was locked! So only my personal cell phone is left (***) to callI never received all those calls!!!! I reject the statement that I accepted the DFS contract and agreed to pay a minimum monthly payment I ask, "WHY" is Dell Financial Services treating a decades long buyer of Dells finest computers, unwilling to remove a late payment report from my credit report, when they clearly know the circumstances? Do they never want me to buy another Dell computer as long as I live? Nor my children and business associates I can supply numerous Bank Presidents, and business associates to attest to my honor, honesty, and solid financial practices for my entire life! These professionals can validate the overwhelming soundness of my financial state Why would Dell want to alienate a customer such as I, over a $minimum monthly payment that DELL FINANCILA SERVICES must clearly understand by now, I had no idea was due? I have exhausted all means to settle this peacefully with Dell Financial ServicesRevdex.com is my last hope for this to be resolved amicably Dell Financial Services need only remove "LATE PAYMENT" report filed against my credit reportIts the right thing to do! To reiterate: Dell Financial Services (DFS) did not call my cell number [redacted] (that was given and is listed on my DFS account, over and over again, times I believe they say their records show!!! To my knowledge, not one call or voicemail was left on my personal cell (***) [redacted] being the only valid, working, cell number listed on my Dell Financial Services Account Dell Financial Services did not email me, advising or warning me of the past due payments as they accumulatedYet each and every time I called Dell Financial Services, they asked me to verify who I was by my email addressYet they never emailed me one single time, to advise me of the minimum monthly payments that were past due I reject the DFS statement that I accepted the terms of their agreement and agreed to minimum monthly paymentsDell Financial Services believes their mailings (that I never read), constitute my agreement to their minimum monthly paymentsOnce again, I totally reject this premiseI was lead to believe it was a balloon payment, and as long as I paid off the entire amount, no other payments or charges would be due So now that Dell Financial Services is fully aware of the circumstances under which this entire situation was created, what could possibly be the reason Dell Financial Services would NOT want to remove this Late Payment report they filed against my credit report? What could possible be the reason Dell Financial Services wants to alienate a life long Dell customer over a minuscule $monthly payment? Would that make any sense whatsoever????? DELL FINANCIAL SERVICES, I ask you Do the right thing Remove the LATE PAYMENT report DELL FINANCIAL SERVICES filed against my credit reports! Its the right thing to do!!!!!!!! Regards, [redacted] ***
Please see the attached letters 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 a Dell Preferred Account (“DPA”) was fraudulently opened in his nameWe regret any frustration Mr [redacted] feels he has experienced as a result of this issueDell Financial Services (“DFS”) records indicate that a DPA Account was opened using Mr***’s personal identifying information on July 29, DFS maintains policies and procedures to detect and prevent fraud and identity theftThese policies and procedures are in compliance with applicable federal and state laws, and are consistent with the standards of the consumer finance industryPlease note that there was no fraud suspected at the time the account was openedAt the time the account was opened there were a total of four (4) purchases made, totaling $Records indicate that Mr [redacted] first contacted DFS in regards to possible fraudulent activity on the account on August 13, At that time customer service connected Mr*** with the fraud department and a fraud claim was openedMr [redacted] called back the next day, after receiving the equipment that was ordered under his DPAThe customer service agent offered to connect him with the fraud department but Mr [redacted] had to take another call and a callback was scheduledOn August 17, Mr [redacted] contacted customer service again and was connected with the fraud department who advised that DFS will recover the unauthorized orders from him rather than having him ship the orders back to usOn August 19, the fraud claim was closed due to no contact after a third unsuccessful call to Mr***At that time a fraud affidavit was mailed to Mr [redacted] which was required in order to proceed with the fraud claimPlease note that there was no further contact from Mr***On September 16, DFS did receive the police report and fraud affidavit, however were unable to initially reach Mr [redacted] by phone in order to complete the investigationOn September 28, our Fraud team was able to reach Mr [redacted] and his fraud claim was acceptedAt that time his DPA was charged-off due to fraudThe attached letter was sent to Mr [redacted] advising of this as wellPlease be advised that we have submitted a request to have all four credit agencies update their records to delete the fraudulent DFS trade linePlease note, while DFS reports to credit agencies, the credit report is the sole property of the agency generating the reportCurrently, DFS submits account information to Experian, Equifax, TransUnion and InnovisPlease allow 30-days for the corrections to be reflected on Mr***’s credit reportIf he should have any questions, regarding his credit report, he will need to contact Experian at ###-###-####, Equifax at ###-###-####, TransUnion at ###-###-####, Innovis at ###-###-#### or at the phone number on his credit reportWe 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: statement is not right they were contacted many times since november about this bill and I am not going to settle this by their terms they are wrong Regards, [redacted] And [redacted] ***
Please see the attached response Dear Revdex.com Representative: We are in receipt of a complaint from [redacted] , originally addressed to the Revdex.comIn his compliant Mr [redacted] states within two weeks of receiving his laptop he was sent to Collections without notificationMr [redacted] also states we called his boss at work before calling himDell Financial Services (“DFS”) records indicate Mr [redacted] opened his Dell Preferred Account (“DPA”) on June 16, Mr [redacted] applied and was qualified for a DPA with a credit limit of $and an APR of 29.99% at the time of credit approvalAfter applying for the Dell Preferred account and upon approval, Mr [redacted] was advised he was approved for the Dell Preferred AccountMr [redacted] was then disclosed the credit limit and APR for which he qualifiedAt the time of account opening Mr [redacted] placed an equipment order for computer equipment totaling $Records indicate Mr [redacted] ’s purchase was shipped on June 22, Mr [redacted] ’s first billing statement reflecting this purchase was mailed on June 24, to Major RD, Fenton, MO 63026, which is the address provided on the application for creditDFS did not receive payment by the July 20, due date as reflected on the billing statement therefore Mr [redacted] ’s account was assessed a late fee, and Collections began attempting to reach himPlease note Mr [redacted] did not provide a home phone number on his application for credit, only a work phone number, therefore Collections began calling the work phone number on July 27, On July 28, when the second phone call was made to Mr [redacted] ’s work DFS was advised it was a business phone and we do not have permission to call itAt that time the work phone number was removed from the account and was not called againPlease understand Dell Financial Services (“DFS”) reserves the right to contact a customer if a payment is not made by the applicable due dateIt has been determined all calls made to Mr [redacted] with the intent to collect a debt were made within the guidelines of the applicable regulations around Collections practicesDFS strictly adheres to these guidelines at all times, in not only speaking to customers, but in making attempts to contact them as wellRegarding the late fee, please be advised the late fee of $was not more than the minimum payment due of $as reflected on the June billing statementWhen customers are one day late DFS will charge a late fee charge to the customers Dell Preferred AccountPlease reference the section of the terms and conditions titled ChargesCharges: A Late Payment Fee will be imposed if you fail to pay us the Total Minimum payment due in full by the Payment Due Date on your billing statementPlease note the late fee assessed to Mr [redacted] ’s account was waived as a courtesy on July 28, Mr [redacted] ’s payment of $then posted to his DPA on July 30, which brought his account currentThe DPA balance is now $and the next minimum payment will be due on September 20, and will be reflected on Mr [redacted] ’s August billing statementPage 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
Please see the attached responseDear Madam or Sir: We are in receipt of a complaint from [redacted] , originally addressed to the Revdex.comThe complaint was originally sent to Dell Financial Services (DFS) electronically through the online Revdex.com portal on August 24, In the complaint Ms [redacted] states the following: ? Her business was approved for a Dell Business Credit (“DBC”) account? After placing an order she was referred for further verification? She spoke to the verification department several times but was told they could not verify her business? She asked for her account to be closed but was told it could not be closed until she completed the verification processDFS received and approved an application for credit for [redacted] Bookkeeping Etcon July 4, On July 12, Ms [redacted] ’s first order was placed and was referred for further verificationMs [redacted] first contacted the Verification department (Verification) on July 24, DFS was unable to make contact with the customer via a verifiable phone number and advised Ms [redacted] that they could not proceed with verificationMs [redacted] contacted Verification more times between July 31, and August 23, and was informed that they would not be able to proceed with verification without being able to contact her through a verifiable phone numberDFS maintains policies and procedures to detect and prevent fraud and identity theftThese policies and procedures are in compliance with applicable federal and state laws, and are consistent with the standards of the commercial finance industryPlease understand that it is not standard procedure to allow the closure of an account prior to the completion of the verification process, this is why Ms [redacted] would have been denied the closure of her account previouslyWe have made an exception in this instance however and closed Ms [redacted] ’s DBC account as of today’s dateWe hope this letter helps explain and 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 Dear Revdex.com Representative: We are in receipt of a complaint from [redacted] , originally addressed to the Revdex.comIn her complaint Ms [redacted] states that she applied and was approved for a Dell Preferred Account (“DPA”) however after placing an order with Dell she was referred for verificationShe states she has called the number for verification many times and has been unable to complete the processOn November 01, 2015, Ms [redacted] applied and was approved for a Dell Preferred Account with a credit limit of $and a corresponding variable Annual Percentage Rate (“APR”) of 29.99%On November 08, Ms [redacted] placed an order with Dell for computer equipment totaling $1775.72, $of which was to be placed on the DPADFS maintains policies and procedures to detect and prevent fraud and identity theftThese policies and procedures are in compliance with applicable federal and state laws, and are consistent with the standards of the consumer finance industryDFS records indicate that Ms [redacted] ’s order was referred to our fraud department through our review processOnce an order is referred to our fraud department for further verification we must speak to the account holder by phoneOur fraud team obtains information from various trusted sources, and uses this information in order to verify the consumer once they speak to them by phonePlease note that we do show many calls by Ms [redacted] since her account was opened, however we only show that she spoke to an agent twiceMs [redacted] spoke with members of our verification team on November 10th and 11th, and as particular information provided by her did not match information provided by those sources, she was advised that the process could not be completedAs an alternate method a letter was mailed to Ms [redacted] with instructions for her to complete the verification processWe regret that Ms [redacted] did not receive this letter in a timely fashion and can confirm that her order is now canceledOnce Ms [redacted] contacts our verification team and completes the verification process she will be able to replace her orderPlease note that we have re-mailed the letter as of November 20, Regarding Ms [redacted] ’s contention that the hours of operation on the letter she was mailed do not coincide with the hours she is provided when she calls, please note that we have investigated this issue and found that the hours were incorrect on the letter she was mailedThe hours for our verification team were listed as being open until 12:AM CT when in fact the department closes at 11:PM CTWe regret any inconvenience this has caused and we thank Ms [redacted] for bringing this to our attentionWe hope this letter helps explain and 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
Complaint: [redacted] I am rejecting this response because: Dell has has never verified that I [redacted] applied for any accountI have not heard a voice recording to validate thisI have not been provided a copy of a signed application with my signatureI have never opened and account or made any payments to DellI said Dell alleges that I have made nearly 6,dollars for tha computer and then I said whomever made for a dollar computer should not be charged an excess of remaining balance of This is fraud to charge a person for a computerI will contact the [redacted] attorney general for fraudI am requesting that Dell contact all three credit bureaus and inform them that I don't have an adverse account with DellDell reported adverse information to all three credit bureaus and this has destroyed my credit Please stop corporate giants from bullying hardworking Americans like me Regards, [redacted]
Complaint: [redacted] I am rejecting this response because: first, their own policy states that finance charges are accrued with a new purchaseIt does not state these are charged every month, with new purchase to me means onceIf it is to be charged monthly, their terms and conditions must say soAnd they do notI had even quoted their own terms a nd conditions to them on the phone multiple times.The late charges have zero to do with my complaintIf it is interest, it needs to state interestFinance charges accrue once, not times a yearTheir reaponse is unacceptable and I would have accepted the $if they were even willing to discuss the rest, but they weren'tAfter that, the $I have paid in finance charges charged monthly (does not say interest on my statements like Dell is stating it means) would be a non-issue to them because they would believe that solved all of my problemsIt does notYes, additional purchases were madeSo, even according to their terms and conditions, I should have only been charged 7/finance charges on those purchases when they accruedNot every single month after that, especially since their own terms and condition didnt even state they were a monthly chargeThey have been reported to the CFPB who has refered my complaint to the FDIC after reviewing itDell has been sued for these so-called 'finance charges' before, and I am prepared to do so in this caseI just want them to do the right thing hereThey have taken $from me in what I am calling "fraudulent" charges since they keep stating these charges are actually interest, which is mot stated anywhere! Regards, [redacted]
Please see the attached response Dear Revdex.com Representative: We are in receipt of the follfrom [redacted] , originally addressed to the Revdex.comPlease note that on November 12, Mr [redacted] contacted Dell Financial Services (“DFS”) and requested to have Mrs [redacted] added to his Dell Preferred Account (“DPA”) as an authorized designeeWe appreciate Mrand Mrs [redacted] complying with our Privacy Policy and taking the appropriate actions to have Mrs [redacted] added to the DPA as an account designeePlease be advised that Mrand Mrs [redacted] ’s August purchase was qualified for a promotional financing feature of no interest, if paid in full within twelve monthsIn order to avoid interest charges, the Total Dell Order amount was to have been received on or before September 15, The promotional balance as listed on the August billing statement was $DFS received payment in the amount of $on September 18, This payment would have been sufficient in paying the remaining promotional balance and avoiding deferred interest charges, along with a late fee had it been received by the promotional expiration dateBecause the payment was received three days after the payment due date there was a deferred interest charge in the amount of $315.63, along with a late fee charge in the amount of $assessed to the DPAPromotional credit plans as well as any items purchased under a “regular” or interest-bearing plan are listed on the customer’s billing statement each month under the section titled Interest Charge CalculationPlease reference the Dell Preferred Account Terms and Conditions: No Interest Credit Plan - If you pay the full purchase price before the expiration date of the promotion, as indicated on your billing statement, and pay the Minimum Payment Due each Billing Period when due, no Interest Charges will be imposed on the purchaseIf such payments are not made, Interest Charges from the date of shipment will be added to your Account either when you fail to make a payment during the promotion period or at the end of the promotion periodWe may offer promotion periods of different lengths that we will announce from time to timeAdditionally, please note, on each of the statements prior to the promotion expiration date, DFS listed the promotion expiration date in the Interest Charge Calculation sectionThis area is outlined in a thickened box for Mrand Mrs [redacted] ’s referencePlease also note the disclosure directly above the Transaction Detail Box: “NOTE: Interest accrues at your standard rate of 25.99% (variable) from purchase dateTo avoid deferred interest, pay promotional balance in full by expiration date found in the interest charge calculation box belowWhen promo expires, interest will Page be imposed from purchase date at your standard rate of 25.99% (variable)Payments are applied to your total minimum payment dueIn regards to the late fee that was assessed, please understand that when customers are one day late DFS will charge a late fee charge to the customers Dell Preferred AccountPlease reference the section of the DPA terms and conditions titled ChargesCharges: A Late Payment Fee will be imposed if you fail to pay us the Total Minimum payment due in full by the Payment Due Date on your billing statementPlease understand that all fees assessed to the DPA have been assessed in accordance with the agreed upon Terms and Conditions of the Dell Preferred AccountPlease note that Mr [redacted] contacted DFS regarding the deferred interest charges on October 05, and was provided a $courtesy waiverIn the interest of customer satisfaction we have now waived the remaining $in deferred interest charges that were assessed to the DPA on September 20, in the interest of customer satisfactionAdditionally we have waived the $in late fee charges and interest that were assessed since September 15, As of the date of this letter the DPA balance is $For the concerns that Mrs [redacted] references in her complaint regarding defective products, we ask that she contact Dell customer care at 800-624-in order to have those addressedWe 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
Please see the attached response Dear Revdex.com Representative: We are in receipt of a complaint from [redacted] ***, originally addressed to the Revdex.comIn his complaint Mr [redacted] expresses concern regarding a late payment fee that was assessed to his Dell Preferred Account (“DPA”)Dell Financial Services (“DFS”) records indicate that on May 25, 2015, Mr [redacted] rescheduled a one-time payment of $to June 9, Payments may take up to 2-business days to post to a customer’s account; however they are posted to the account using the date on which the payment was processedAny late fee assessed in such a situation is automatically reversed when a payment is posted with the date it was receivedMr***’s payment was posted to his account on June 10, with an effective date of June 9, Both the late fee and the “Automatic Late Fee Reversal” were reported on Mr***’s June 14, billing statementPlease be advised that Mr [redacted] called Customer Service on June 11, regarding the late fee assessed to his accountDuring this call the representative informed Mr [redacted] that payments may take to days to post to an account and informed him that she would monitor his account for late feesRecords indicate that Mr [redacted] also emailed Customer Service on June 11, indicating that he had been assessed a late fee and wanted it to be removed and requested a return callCustomer Service sent a reply to Mr [redacted] informing him that a representative would call him back within one business day to discuss his concernsRecords indicate that Customer Service made a return call that same day and left a voicemail for Mr***Customer Service received a second and third email message from Mr [redacted] on June 12, A reply was sent to Mr [redacted] informing him that an unsuccessful attempt had been made to reach him previously and requested the best phone number and time to reach himMr*** wrote back stating that he could be reached in the eveningsRecords indicate that at 6:p.mCT on June 15, 2015, Customer Service called and left a voicemail for Mr***A third return call was made on June 17, and a voicemail was leftMr [redacted] did not return any of the calls made to himAs of the date of this letter, Mr***’s DPA balance is $We respectfully decline Mr***’s request for a $credit as the late fee was automatically reversed and DFS has found no error in this matterPlease note that Mr***’s automatic monthly payment plus an additional $is scheduled to be processed on Thursday, July 9, Because it may take up to 2-days for the payment to post to Mr***’s account, a late fee may be assessed, however, the payment will be posted with an effective date of July 9, 2015, the date the payment is to be processed, and the late fee will be automatically reversedWe 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
Please see the attached response 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 satisfactionAs previously stated, Dell Financial Services (“DFS”) requires customers to contact us by phone once their profile is locked, for security purposesWe appreciate Ms [redacted] ’s willingness to contact DFS so that we may assist her with this issueWe regret any inconvenience this issue may have caused to Ms [redacted] however please understand that DFS records indicate that the incorrect security response was entered twice prior to her profile being lockedAgain, going forward, if Ms [redacted] registers her device she will no longer be asked to answer the security questions, only her passwordAlthough all fees assessed to Ms [redacted] ’s account have been assessed in accordance with the agreed upon terms and conditions, we have now waived her July late fee in the amount of $in order to resolve this issuePlease understand that although Ms [redacted] filed her complaint with your office prior to her due date, payments are still required by the due date in order to avoid late payment feesDFS responded to her complaint within the allotted timeframe by the Revdex.com however we waived her late fee in the interest of customer satisfactionAs of the date of this letter Ms [redacted] ’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 statementWe 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
Please see the attached response Dear Revdex.com Representative: We are in receipt of a complaint from [redacted] , originally addressed to the Revdex.comIn her complaint [redacted] expresses concern regarding the outstanding balance of her Dell Preferred Account (“DPA”)Dell Financial Services (“DFS”) records indicate that on March 01, [redacted] applied and was approved for a Dell Preferred Account with a credit limit of $and a corresponding APR of 25.99%The terms of the credit agreement, including the Annual Percentage Rate (APR), were disclosed to [redacted] at the time her application for credit was approvedOur records indicate that [redacted] accepted the terms of the credit agreementAdditionally, the terms and conditions of [redacted] ’s credit agreement were mailed to her within hours of her approval for creditThe terms and conditions give the customer three (3) days to contact us to reject the credit agreementOur records indicate that [redacted] did not contact us to reject the DPA credit agreementPlease be advised that at the time of the account opening [redacted] placed an order with Dell in the amount of $ [redacted] then made five additional purchases between February and July 2014, totaling $Please note that the February purchases, which totaled $1255.60, were qualified for a promotional financing feature of no interest if paid in full within monthsIn order to avoid interest charges, the Total Dell Order amount was to have been received on or before May 02, As [redacted] ’s promotional plan had a remaining balance of $on May 02, 2012, the promotional financing feature expired and billed deferred interest charges were assessed to her Dell Preferred Account in the amount of $Promotional credit plans as well as any items purchased under a “regular” or interest-bearing plan are listed on the customer’s billing statement each month under the section titled Interest Charge CalculationPlease reference the Dell Preferred Account Terms and Conditions: No Interest Credit Plan - If you pay the full purchase price before the expiration date of the promotion, as indicated on your billing statement, and pay the Minimum Payment Due each Billing Period when due, no Interest Charges will be imposed on the purchaseIf such payments are not made, Interest Charges from the date of shipment will be added to your Account either when you fail to make a payment during the promotion period or at the end of the promotion periodWe may offer promotion periods of different lengths that we will announce from time to timeAdditionally, please note, on each of the statements prior to the promotion expiration date, DFS listed the promotion expiration date in the Interest Charge Calculation sectionThis area is outlined in a thickened box for [redacted] ’s referencePlease 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 Page 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.” After reviewing [redacted] ’s payment history, DFS finds that her minimum monthly payment amount was received late on forty-six (46) occasions, totaling $in late fee chargesPlease be advised that when customers are one day late DFS will charge a late fee charge to the customers Dell Preferred AccountPlease reference the section of the terms and conditions titled ChargesCharges: A Late Payment Fee will be imposed if you fail to pay us the Total Minimum payment due in full by the Payment Due Date on your billing statementPlease understand 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 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 statementPlease note that as [redacted] ’s account is open and current we must respectfully decline her request for a settlement offer, as a settlement for less than the full balance would result in the remaining balance being charged-off, leading to a negative impact to her credit reportRegarding the referenced due date change, please note that [redacted] ’s monthly due date was the 26th of each month through November 26, After this date her due date was changed to the 2nd, beginning in January This was in accordance with The Card ActRecords indicate that in the months where [redacted] ’s DPA was assessed a late payment fee, her payment was received after the 2nd of the monthWe 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: I submitted checking account bank statements showing payments in excess of $I'd be happy to resend them or post them here, if needed Regards, [redacted] ( [redacted] )
Please see the attached responseDear Madam or Sir: We are in receipt of the complaint from [redacted] ***, originally addressed to the Revdex.com and forwarded to Dell Financial Services (“DFS”) electronically through the online Revdex.com portal on October 30, In the complaint Mr [redacted] states the following: ? On August 22, his roommate used his personal identifying information to open an account with DFSHe reported this fraudulent activity to the police and Dell that same weekHe was advised that an investigation could take up to days? When the equipment arrived at his house he worked with the fraud representative to have it shipped back to DellFedEx picked up the equipment a few weeks later and he received an email confirmation once Dell received it? Now, months after the fraud took place he still has not received an update regarding the investigation and information regarding the account is still reflecting on his credit reportDFS maintains policies and procedures to detect and prevent fraud and identity theftThese policies and procedures are in compliance with applicable federal and state laws, and are consistent with the standards of the consumer finance industryDFS records indicate that an account was opened in Mr***’s name on August 22, and at that time the referenced purchases were placed on the accountDFS first received Mr***’s fraud claim on August 29, and the DPA was referred to our Fraud department to conduct an investigationAt that time a letter was mailed to Mr [redacted] stating that we will respond within days and will notify him in writing of our decision or a need for additional informationThe letter also stated that if we conclude that fraud has occurred we will submit a request to the credit reporting agencies to remove our information from his credit reportIn most cases DFS completes their investigation within days from the initial report however, federal statute allows days to complete a fraud investigationPlease note that DFS concluded its investigation and accepted Mr***’s fraud claim on October 23, 2017, which was within the time frame allowed by federal statuteAn update was provided to Mr [redacted] within the days as promised when he called and spoke to the fraud investigator assigned to his case on September 27, The DPA was closed due to fraud on October 23, and an update was submitted to the credit reporting agencies to remove the trade line from his credit reportWhile DFS reports to the credit agencies, the credit report is the sole property of the agency generating the reportCurrently, DFS submits account information to Experian, Equifax, TransUnion and InnovisPlease allow 30-days for the deletion to be reflected on Mr***’s credit reportIf he should have any questions regarding his credit report, he will need to contact Experian at [redacted] -***, Equifax at ###-###-####, TransUnion at ###-###-####, Innovis at ###-###-#### or at the phone number on his credit reportPage In regard to Mr***’s request for the details of how our investigation was performed, please understand that this is proprietary information that is only released to law enforcement when a subpoena is providedWe regret any inconvenience this matter may have caused to Mr [redacted] and we hope this letter explains and resolves this issuePlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, [redacted] Executive Services Dell Financial Services Dell - Internal Use - Confidential
Complaint: [redacted] I am rejecting this response because: until I actually get a printed November statement, I cannot accept their answer They have lied to me and to the Revdex.com regarding this matter They refused to believe that I had received three blank statements last month, so I mailed a copy of one to Mr [redacted] which he has yet to respond to Regards, [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 Thank you for resolving this issue with Dell Financial I have received the credit on my Dell Financial account as of this message Regards, [redacted]
Please see the attached responseDear Revdex.com Representative: We are in receipt of a complaint from [redacted] , originally addressed to the Revdex.comIn her complaint Ms [redacted] states she made a purchase with Dell and provided her new address at that time however did not receive her monthly Dell Preferred Account (“DPA”) billing statements as they had gone to her old addressDell Financial Services (“DFS”) records indicate Ms [redacted] opened her DPA on July 13, At the time the account was opened an equipment order was placed with Dell for computer equipment totaling $Ms [redacted] then made an additional purchase totaling $on November 22, The address on file for Ms [redacted] ’s DPA is [redacted] ***The address Ms [redacted] provided to Dell at the time of her November purchase matches the address provided to the Revdex.com, however there is no record this address was provided to DFSSince DFS was never notified of a change in billing address, the billing statements continued to be sent to the previous addressPlease reference the terms and conditions regarding change of address: Change of AddressIf you move or change your billing address or e-mail address, you agree to promptly notify us of your new address in writing or online at [redacted] DFS did not receive payment after Ms [redacted] ’s November purchase until August 2016, when she made a payment in the amount of $Please note her DPA was closed due to delinquency on April 12, 2015, then subsequently charged-off when it became days delinquent on July 13, The balance at the time of charge-off, due to accumulated late fees and interest was $Please be advised all fees assessed as well as the account closure and subsequent charge-off are valid according to the agreed upon terms and conditions of the Dell Preferred Account, therefore we must respectfully decline to remove the fees along with the negative credit reportingAs of the date of this letter Ms [redacted] ’s DPA balance is $DFS is accurately reporting Ms [redacted] ’s DPA tradeline to the credit bureaus as charged-off with a $balancePlease note, while DFS reports to the credit agencies, the credit report is the sole property of the agency generating the reportCurrently, DFS submits account information to Experian, Equifax, TransUnion and InnovisIf Ms [redacted] should have any questions regarding her credit report she will need to contact Experian at ###-###-####, Equifax at ###-###-####, TransUnion at ###-###-####, Innovis at ###-###-#### or at the phone number on her credit reportUpon charge-off the account was assigned to United Recovery SystemsWe ask that Ms [redacted] contact United Recovery Systems at ###-###-#### for any questions regarding her account, or to make a paymentWe hope this letter explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, Terry [redacted] Executive Services Dell Financial Services
Please see the attached responseDear Revdex.com Representative: We are in receipt of a complaint from [redacted] , originally addressed to the Revdex.comIn her complaint, Ms [redacted] expresses concern regarding charges to her Dell Preferred Account (“DPA”), which she states she did not authorizePlease be advised that a DPA was opened in Ms [redacted] ’s name on August 29, DFS maintains policies and procedures to detect and prevent fraud and identity theftThese policies and procedures are in compliance with applicable federal and state laws, and are consistent with the standards of the consumer finance industryPlease note that there was no fraud suspected at the time the account was openedDFS Records indicate that in September three (3) orders were placed totaling $There were six (6) additional purchases made between May and August 2011, totaling $We have confirmed that all orders were shipped to Ms [redacted] at the address on file, which matches the address provided to your officeFurthermore it appears that Ms [redacted] has made one hundred and one (101) payments towards her DPA for a total of $6134.00, the last of which being on August 11, Please note that DFS has received three (3) fraud claims regarding Ms [redacted] ’s DPAThe first claim of fraud was received on September 30, and was closed on October 11, after several calls were made to Ms [redacted] to discuss the claim that were not answered or returnedA letter was mailed to Ms [redacted] on October 11, advising that her fraud claim was closed due to no contactA second fraud claim was opened on February 9, and closed on April 19, 2016, again due to no contact from Ms [redacted] A letter was again mailed to her, on April 19, 2016, advising that her claim was closedA third and final fraud claim was opened on July 8, and was closed on July 25, This time the claim was closed after the fraud investigator spoke with the customer and determined that no part of the balance was due to fraudulent activityA letter was again mailed to Ms [redacted] , on July 25, Please understand that as no fraudulent activity was found during our investigation we must respectfully decline to adjust the balance on Ms [redacted] ’s DPA, or to make any adjustments to the credit reporting of her accountMs [redacted] is responsible for the remaining DPA balance, which as of the date of this letter is $Ms [redacted] ’s next payment in the amount of $177.00, which includes a past due amount of $137.00, is due by October 19, 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
Complaint: [redacted] I am rejecting this response because: Yes a late fee was credited and then reposted to my account And this months bill reflects that, this is how my account was paid 12-31-for JAN 2017, 1-27-for Fed 2017, 2-24-for March 17, 3-31-( dell bill says 4-2-17) for April And now I owe for May? If I was credited the amount as stated my bill would only be thats what its suppose to be I personally will never do business with this company again and will advise any one that will listen to do the sameAnd heres the proof Regards, [redacted]
Please see the attached responseDear Revdex.com Representative: We are in receipt of a complaint from [redacted] ***, originally addressed to the Revdex.comIn her complaint Ms [redacted] expresses concern regarding a refund that she has yet to receive after making payments on a purchase that she returned for a full creditDell Financial Services (“DFS”) records indicate that on December 16, Ms [redacted] applied and was approved for a Dell Preferred Account (“DPA”) with a credit limit of $and a corresponding APR of 25.99%The terms of the credit agreement, including the Annual Percentage Rate (APR), were disclosed to Ms [redacted] at the time her application for credit was approvedOur records indicate that Ms [redacted] accepted the terms of the credit agreementAdditionally, the terms and conditions of Ms***’s credit agreement were mailed to her within hours of her approval for creditThe terms and conditions give the customer three (3) days to contact us to reject the credit agreementOur records indicate that Ms [redacted] did not contact us to reject the DPA credit agreementPlease be advised that at the time of purchase Ms [redacted] placed three (3) orders with Dell for computer equipment totaling $On December 30, Dell issued a credit to Ms***’s account as a courtesy, in the amount of $Ms [redacted] then decided to return this order on January 10, for a full creditMs [redacted] later decided to return the two (2) remaining orders that were placed in December 2015, and received a full creditIn the meantime however as Ms [redacted] had a minimum payment due on her DPA billing statements she made two payments ($on January 20, and $on February 21, 2016)These payments were reversed on March 25, and the funds were deposited into Ms***’s funding accountBecause Ms [redacted] received a courtesy credit of $162.00, then returned all of her purchases, DFS needed to have the courtesy credit reversedThis was processed on March 24, 2016, and needed to be processed prior to reversing the payments that she had madeWe apologize for any inconveniencePlease note that Ms [redacted] first contacted DFS on March 8, regarding a refund, and the refund was submitted to her on March 25, We must respectfully decline her request for compensation as this is within DFS policy for processing this type of requestAs of the date of this letter Ms***’s DPA is open and current with a $balanceWe 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: A late payment should have never been filed against my credit report without Dell Financial Service (DFS) exhausting all means to try to contact me about a payment I was never advised by Dell Financial Services would be due!!! We must ask ourselves, why would a person with wealth in the top 5% of Americans fail to make a payment of $per month to Dell Financial Services? Why would I not make a payment to Dell Financial Service for over six months if I understood that these payments were due? Why would I suddenly, for the first time in my entire life, fail to make a tiny little payment such as these if I knew that they were owed? WHY? Why would a year old person who has an outstanding credit history, not make a $payment to Dell Financial Services, month after month, after month? Why would I not make this tiny little $payment, and risk damage to my credit score! WHY ?????? I keep many notes and chats with Dell ChatI was told I could make one paymentIt was my understanding, as long as the entire amount was paid off by 12-18-2016, there would be no interest charges or any additional expenseThe Dell Chat Repsaid he could offer me a much better deal if I set up an account with Dell Financial ServicesSo I was transferred to Dell Financial Services, and planned on making the balloon payment in advance of the due date I reject the DFS statement that I accepted the terms of the DFS agreementI never read any of the DFS mailings because they were going to my business shipping address mailbox where the Areacomputer was shippedDFS mailings were not coming to my business mailing address, which is a PO BOX number I never was told or agreed to or was expecting to receive a mailing from DFS for a minimum monthly paymentThese DFS mailings were going in to a box with all the other junk mail that is received at the E mailboxIf I had been told that there would be a minimum monthly payment I would have just paid off the amount in fullIn the least, I would have given DFS my PO BOX number to mail these payment mailings DFS says they called me many times FALSE!!! My DFS Profile has three numbers listed ***, ***, *** [redacted] number was to a cell phone that I reported stolen and this number was locked [redacted] - [redacted] number, I have no idea where that one came from or how it got on my account [redacted] number is my personal cell numberThis is the one I gave to DFS when setting up the accountI received no voicemail messages from DFS, nor any calls to my knowledgeI don't answer calls if caller ID does not identify the callerThese calls would have went to my voicemailOnce again, there were NO messages left on my voicemail from DFS warning me of any late payments, or notifying me that a minimum monthly payment was due, or advising me to call Dell Financial Services immediatelyHad Dell Financial Service done so, I would have paid the full amount off, and been done with it When talking to the DFS representative in an attempt to try to find out: WHY a year customer of Dell who has spent thousands of dollars on the highest end computers Dell sells, with a credit rating of 830, and an income in the top 5-10% of Americans, was never called or contacted via email or my cell number [redacted] was emphatic that "DELL FINANCAIL SERVICE DOES NOT CALL OR EMAIL ANYONE FOR LATE PAYMENT NOTIFICATION!!!! DFS ONLY NOTIFIES OF LATE PAYMENTS THROUGH THE ACCOUNT MAILINGS." The ONLY way that I learned that Dell Financial Services was showing that a $per month payment had not been paid for several months, was when [redacted] reported to me that Dell Financial Services had filed a late payment report against meI immediately called Dell Financial Services to find out what was going on, and paid the balance of the accumulated minimum monthly payments Dell Financial Services told me were owedI told them at the time, that I had never been told by ANYONE, that there was a minimum monthly payment dueDFS/ [redacted] said, we do that in your mailing [redacted] states: If you're in good standing with your creditor, they might agree to remove the late payment from your report I am in excellent standing with DellFor 20-years now I have only bought Dell computersI have always paid off the amount owed Dell in fullOnly when the Dell Chat Rep said he could offer me a lot better deal, (at no additional cost if paid off by 12-18-2016) if I set up a Dell Financial Services accountIt was my understanding this was a typical balloon payment, and I would simply pay it off in full a couple of weeks before the deadline I can prove that Dell Financial Services never left me any voicemails or called my cell over times at my personal cell ***, which was given to the DFS representative when I set up my account and is listed on my DFS profileSo when Dell Financial Services said they called so many times, WHO, were they calling? We know the [redacted] number is not validThe [redacted] cell was locked! So only my personal cell phone is left (***) to callI never received all those calls!!!! I reject the statement that I accepted the DFS contract and agreed to pay a minimum monthly payment I ask, "WHY" is Dell Financial Services treating a decades long buyer of Dells finest computers, unwilling to remove a late payment report from my credit report, when they clearly know the circumstances? Do they never want me to buy another Dell computer as long as I live? Nor my children and business associates I can supply numerous Bank Presidents, and business associates to attest to my honor, honesty, and solid financial practices for my entire life! These professionals can validate the overwhelming soundness of my financial state Why would Dell want to alienate a customer such as I, over a $minimum monthly payment that DELL FINANCILA SERVICES must clearly understand by now, I had no idea was due? I have exhausted all means to settle this peacefully with Dell Financial ServicesRevdex.com is my last hope for this to be resolved amicably Dell Financial Services need only remove "LATE PAYMENT" report filed against my credit reportIts the right thing to do! To reiterate: Dell Financial Services (DFS) did not call my cell number [redacted] (that was given and is listed on my DFS account, over and over again, times I believe they say their records show!!! To my knowledge, not one call or voicemail was left on my personal cell (***) [redacted] being the only valid, working, cell number listed on my Dell Financial Services Account Dell Financial Services did not email me, advising or warning me of the past due payments as they accumulatedYet each and every time I called Dell Financial Services, they asked me to verify who I was by my email addressYet they never emailed me one single time, to advise me of the minimum monthly payments that were past due I reject the DFS statement that I accepted the terms of their agreement and agreed to minimum monthly paymentsDell Financial Services believes their mailings (that I never read), constitute my agreement to their minimum monthly paymentsOnce again, I totally reject this premiseI was lead to believe it was a balloon payment, and as long as I paid off the entire amount, no other payments or charges would be due So now that Dell Financial Services is fully aware of the circumstances under which this entire situation was created, what could possibly be the reason Dell Financial Services would NOT want to remove this Late Payment report they filed against my credit report? What could possible be the reason Dell Financial Services wants to alienate a life long Dell customer over a minuscule $monthly payment? Would that make any sense whatsoever????? DELL FINANCIAL SERVICES, I ask you Do the right thing Remove the LATE PAYMENT report DELL FINANCIAL SERVICES filed against my credit reports! Its the right thing to do!!!!!!!! Regards, [redacted] ***
Please see the attached letters 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 a Dell Preferred Account (“DPA”) was fraudulently opened in his nameWe regret any frustration Mr [redacted] feels he has experienced as a result of this issueDell Financial Services (“DFS”) records indicate that a DPA Account was opened using Mr***’s personal identifying information on July 29, DFS maintains policies and procedures to detect and prevent fraud and identity theftThese policies and procedures are in compliance with applicable federal and state laws, and are consistent with the standards of the consumer finance industryPlease note that there was no fraud suspected at the time the account was openedAt the time the account was opened there were a total of four (4) purchases made, totaling $Records indicate that Mr [redacted] first contacted DFS in regards to possible fraudulent activity on the account on August 13, At that time customer service connected Mr*** with the fraud department and a fraud claim was openedMr [redacted] called back the next day, after receiving the equipment that was ordered under his DPAThe customer service agent offered to connect him with the fraud department but Mr [redacted] had to take another call and a callback was scheduledOn August 17, Mr [redacted] contacted customer service again and was connected with the fraud department who advised that DFS will recover the unauthorized orders from him rather than having him ship the orders back to usOn August 19, the fraud claim was closed due to no contact after a third unsuccessful call to Mr***At that time a fraud affidavit was mailed to Mr [redacted] which was required in order to proceed with the fraud claimPlease note that there was no further contact from Mr***On September 16, DFS did receive the police report and fraud affidavit, however were unable to initially reach Mr [redacted] by phone in order to complete the investigationOn September 28, our Fraud team was able to reach Mr [redacted] and his fraud claim was acceptedAt that time his DPA was charged-off due to fraudThe attached letter was sent to Mr [redacted] advising of this as wellPlease be advised that we have submitted a request to have all four credit agencies update their records to delete the fraudulent DFS trade linePlease note, while DFS reports to credit agencies, the credit report is the sole property of the agency generating the reportCurrently, DFS submits account information to Experian, Equifax, TransUnion and InnovisPlease allow 30-days for the corrections to be reflected on Mr***’s credit reportIf he should have any questions, regarding his credit report, he will need to contact Experian at ###-###-####, Equifax at ###-###-####, TransUnion at ###-###-####, Innovis at ###-###-#### or at the phone number on his credit reportWe 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: statement is not right they were contacted many times since november about this bill and I am not going to settle this by their terms they are wrong Regards, [redacted] And [redacted] ***
Please see the attached response Dear Revdex.com Representative: We are in receipt of a complaint from [redacted] , originally addressed to the Revdex.comIn his compliant Mr [redacted] states within two weeks of receiving his laptop he was sent to Collections without notificationMr [redacted] also states we called his boss at work before calling himDell Financial Services (“DFS”) records indicate Mr [redacted] opened his Dell Preferred Account (“DPA”) on June 16, Mr [redacted] applied and was qualified for a DPA with a credit limit of $and an APR of 29.99% at the time of credit approvalAfter applying for the Dell Preferred account and upon approval, Mr [redacted] was advised he was approved for the Dell Preferred AccountMr [redacted] was then disclosed the credit limit and APR for which he qualifiedAt the time of account opening Mr [redacted] placed an equipment order for computer equipment totaling $Records indicate Mr [redacted] ’s purchase was shipped on June 22, Mr [redacted] ’s first billing statement reflecting this purchase was mailed on June 24, to Major RD, Fenton, MO 63026, which is the address provided on the application for creditDFS did not receive payment by the July 20, due date as reflected on the billing statement therefore Mr [redacted] ’s account was assessed a late fee, and Collections began attempting to reach himPlease note Mr [redacted] did not provide a home phone number on his application for credit, only a work phone number, therefore Collections began calling the work phone number on July 27, On July 28, when the second phone call was made to Mr [redacted] ’s work DFS was advised it was a business phone and we do not have permission to call itAt that time the work phone number was removed from the account and was not called againPlease understand Dell Financial Services (“DFS”) reserves the right to contact a customer if a payment is not made by the applicable due dateIt has been determined all calls made to Mr [redacted] with the intent to collect a debt were made within the guidelines of the applicable regulations around Collections practicesDFS strictly adheres to these guidelines at all times, in not only speaking to customers, but in making attempts to contact them as wellRegarding the late fee, please be advised the late fee of $was not more than the minimum payment due of $as reflected on the June billing statementWhen customers are one day late DFS will charge a late fee charge to the customers Dell Preferred AccountPlease reference the section of the terms and conditions titled ChargesCharges: A Late Payment Fee will be imposed if you fail to pay us the Total Minimum payment due in full by the Payment Due Date on your billing statementPlease note the late fee assessed to Mr [redacted] ’s account was waived as a courtesy on July 28, Mr [redacted] ’s payment of $then posted to his DPA on July 30, which brought his account currentThe DPA balance is now $and the next minimum payment will be due on September 20, and will be reflected on Mr [redacted] ’s August billing statementPage 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
Please see the attached responseDear Madam or Sir: We are in receipt of a complaint from [redacted] , originally addressed to the Revdex.comThe complaint was originally sent to Dell Financial Services (DFS) electronically through the online Revdex.com portal on August 24, In the complaint Ms [redacted] states the following: ? Her business was approved for a Dell Business Credit (“DBC”) account? After placing an order she was referred for further verification? She spoke to the verification department several times but was told they could not verify her business? She asked for her account to be closed but was told it could not be closed until she completed the verification processDFS received and approved an application for credit for [redacted] Bookkeeping Etcon July 4, On July 12, Ms [redacted] ’s first order was placed and was referred for further verificationMs [redacted] first contacted the Verification department (Verification) on July 24, DFS was unable to make contact with the customer via a verifiable phone number and advised Ms [redacted] that they could not proceed with verificationMs [redacted] contacted Verification more times between July 31, and August 23, and was informed that they would not be able to proceed with verification without being able to contact her through a verifiable phone numberDFS maintains policies and procedures to detect and prevent fraud and identity theftThese policies and procedures are in compliance with applicable federal and state laws, and are consistent with the standards of the commercial finance industryPlease understand that it is not standard procedure to allow the closure of an account prior to the completion of the verification process, this is why Ms [redacted] would have been denied the closure of her account previouslyWe have made an exception in this instance however and closed Ms [redacted] ’s DBC account as of today’s dateWe hope this letter helps explain and 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 Dear Revdex.com Representative: We are in receipt of a complaint from [redacted] , originally addressed to the Revdex.comIn her complaint Ms [redacted] states that she applied and was approved for a Dell Preferred Account (“DPA”) however after placing an order with Dell she was referred for verificationShe states she has called the number for verification many times and has been unable to complete the processOn November 01, 2015, Ms [redacted] applied and was approved for a Dell Preferred Account with a credit limit of $and a corresponding variable Annual Percentage Rate (“APR”) of 29.99%On November 08, Ms [redacted] placed an order with Dell for computer equipment totaling $1775.72, $of which was to be placed on the DPADFS maintains policies and procedures to detect and prevent fraud and identity theftThese policies and procedures are in compliance with applicable federal and state laws, and are consistent with the standards of the consumer finance industryDFS records indicate that Ms [redacted] ’s order was referred to our fraud department through our review processOnce an order is referred to our fraud department for further verification we must speak to the account holder by phoneOur fraud team obtains information from various trusted sources, and uses this information in order to verify the consumer once they speak to them by phonePlease note that we do show many calls by Ms [redacted] since her account was opened, however we only show that she spoke to an agent twiceMs [redacted] spoke with members of our verification team on November 10th and 11th, and as particular information provided by her did not match information provided by those sources, she was advised that the process could not be completedAs an alternate method a letter was mailed to Ms [redacted] with instructions for her to complete the verification processWe regret that Ms [redacted] did not receive this letter in a timely fashion and can confirm that her order is now canceledOnce Ms [redacted] contacts our verification team and completes the verification process she will be able to replace her orderPlease note that we have re-mailed the letter as of November 20, Regarding Ms [redacted] ’s contention that the hours of operation on the letter she was mailed do not coincide with the hours she is provided when she calls, please note that we have investigated this issue and found that the hours were incorrect on the letter she was mailedThe hours for our verification team were listed as being open until 12:AM CT when in fact the department closes at 11:PM CTWe regret any inconvenience this has caused and we thank Ms [redacted] for bringing this to our attentionWe hope this letter helps explain and 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
Complaint: [redacted] I am rejecting this response because: Dell has has never verified that I [redacted] applied for any accountI have not heard a voice recording to validate thisI have not been provided a copy of a signed application with my signatureI have never opened and account or made any payments to DellI said Dell alleges that I have made nearly 6,dollars for tha computer and then I said whomever made for a dollar computer should not be charged an excess of remaining balance of This is fraud to charge a person for a computerI will contact the [redacted] attorney general for fraudI am requesting that Dell contact all three credit bureaus and inform them that I don't have an adverse account with DellDell reported adverse information to all three credit bureaus and this has destroyed my credit Please stop corporate giants from bullying hardworking Americans like me Regards, [redacted]