This does not tell me anythingAll it says is DELL purchaseI need to know what was purchased as there is no way I purchased items from DELLI need a list of all items Thank you,
Please see the attached responseDear Revdex.com Representative: We are in receipt of a complaint from [redacted] , originally addressed to the Revdex.comIn his complaint, Mr [redacted] contends his recent purchase was to be placed under a special financing promotion however his Dell Preferred Account (“DPA”) is accruing interest chargesDell Financial Services (“DFS”) records indicate on January 27, Mr [redacted] applied and was approved for a Dell Preferred Account with a credit limit of $and a corresponding APR of 29.99%The terms of the credit agreement, including the Annual Percentage Rate (APR), were disclosed to Mr [redacted] at the time his application for credit was approvedOur records indicate Mr [redacted] accepted the terms of the credit agreementAdditionally, the terms and conditions of Mr [redacted] ’s credit agreement were mailed to him within hours of his approval for creditThe terms and conditions give the customer three (3) days to contact us to reject the credit agreementOur records indicate Mr [redacted] did not contact us to reject the DPA credit agreementOn May 30, Mr [redacted] placed an order with Dell for computer equipment totaling $Please note this order was 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 must be paid in full on or before June 4, Please be advised Mr [redacted] had placed a previous order on November 23, in the amount of $465.48, which did not qualify for a special financing featureMr [redacted] returned this order to Dell and a full credit was processed on January 29, 2016, followed by two duplicate credits in the amount of $on February 1, The duplicate credits caused a credit balance on Mr [redacted] ’s DPA, so when he made his promotional purchase it was charged against the credit, resulting in a lower promotional plan balanceIn order to adjust for the duplicate credits DFS processed balance adjustments in the amount of $on July and August 11, Because these purchases were initially charged to a regular, interest bearing plan, the balance adjustments posted to a regular interest bearing plan, resulting in interest being assessed to Mr [redacted] ’s DPAWe have now transferred the balance of $from the interest bearing plan to his promotional planAdditionally we have waived the $in interest charges assessed to Mr [redacted] ’s DPA as a result of the regular planMr [redacted] ’s remaining DPA balance is $and is now entirely on his promotional planPlease note Mr [redacted] ’s DPA was placed under investigation for fraud per his request on October 11, 2016, however as no fraud was detected the fraud claim was closed on November 10, Records indicate Mr [redacted] contacted DFS and requested to make a payment on October 31, and was transferred to the fraud department as his account was still under investigation at that pointMr [redacted] still had the option to make a payment by mail or through our automated telephone systemIn regard to Mr [redacted] ’s comments DFS refused to send him a bill, please note his billing statements have been mailed each month on the 9thWe have no record of any additional requests for billing statements from Mr [redacted] We regret if Mr [redacted] feels he was treated unprofessionally upon his contacts with DFS however we have reviewed all available notes and call recordings and found no evidence he was threatened or mistreated in any wayWe 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 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 the status of his Dell Preferred Account (“DPA”) as reflected on his credit reportWe regret any frustration Mr [redacted] may have experienced while attempting to resolve this issueDell Financial Services (“DFS”) records indicate that Mr [redacted] paid his remaining DPA balance on December 27, Mr [redacted] ’s DPA was current with a zero balance when in March due to an error his DPA was reported to the credit bureaus as paid in full and closedMr [redacted] called DFS regarding the closure status as listed on his credit report on May 27, and a credit update was submittedAs part of the investigation into the credit update the agent noticed that Mr [redacted] had filed bankruptcy previouslySince the account was open at the time of the bankruptcy filing the account was coded as included in bankruptcy on June 01, However upon further review DFS removed the bankruptcy coding and reported Mr [redacted] ’s DPA to the credit bureaus as paid in full and current due to the fact that we appear to be outside of the statute of limitations on a bankruptcy filingA DFS representative reached out to Mr [redacted] on September 10, and advised him that his account is now open and will be reported to the credit bureaus as suchPlease 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 Mr [redacted] 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 her 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: FIrst of all, the information that was provided from previous purchases is irrelevant because they were all PAID IN FULL I have not lived at [redacted] drive in [redacted] since January of So the tablet and all corespondences from Dell were not to that addressThe address on [redacted] was from January to June At which time I paid the USPS to forward all mail to my new address which is on [redacted] *** I received confirmation and ALL other mail, including JUNK mail (from Dell) was forwarded to my new address Ironically enough, since I submitted this complaint my tablet has suddenly stopped working I think that it is poor customer service to blame me for not changing my address when in fact I still got the trash advertisements with my name and address printed on them Normally most businesses actually call someone to see if there is a problem after a while of no paymentsAll things considered, I have spent a lot of money thru Dell over the years and one would think that they would try to make it right instead of blaming others for their mistakesIt's funny that conveniently enough my tablet was delivered to me but bills suddenly ceased Regards, [redacted] ***
Please see the attached response. Dear RevDex.com Representative: We are in receipt of a complaint from [redacted] , originally addressed to the RevDex.com. In her complaint Ms. [redacted] states she scheduled a payment to satisfy the remaining promotional... plan balance prior to the promotional expiration. The payment was not withdrawn which led to interest charges and a late fee being assessed to her Dell Preferred Account (“DPA”). Dell Financial Services (“DFS”) records indicate on December 18, 2015 Ms. [redacted] applied and was approved for a DPA with a credit limit of $2500.00 and a corresponding APR of 29.99%. 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 approved. Our records indicate Ms. [redacted] accepted the terms of the credit agreement. Additionally, the terms and conditions of Ms. [redacted] ’s credit agreement were mailed to her within 48 hours of her approval for credit. The terms and conditions give the customer three (3) days to contact us to reject the credit agreement. Our records indicate Ms. [redacted] did not contact us to reject the DPA credit agreement. Please be advised at the time the account was opened, Ms. [redacted] placed an equipment order with Dell for computer equipment totaling $994.77, which was qualified for a promotional financing feature of no interest, if paid in full within 6 months. In order to avoid interest charges, the Total Dell Order amount was to have been received on or before July 1, 2016. DFS received payment on July 5, 2016 in the amount of $105.77, which had it been received by the July 1st promotional expiration date would have satisfied the remaining promotional plan balance. As the payment was not received by the promotional expiration date, the promotional financing feature expired and billed deferred interest charges were assessed to Ms. [redacted] ’s Dell Preferred Account in the amount of $91.64. DFS records indicate Ms. [redacted] ’s DPA had been set up on an automatic payment model until she canceled it on June 7, 2016. Records do not indicate the Ms. [redacted] set up another payment until July 5, 2016, after her promotional plan expired, at which point she scheduled a payment for $105.77. Please understand all fees assessed to Ms. [redacted] ’s account have been assessed in accordance with the agreed upon Terms and Conditions of the Dell Preferred Account, however she spoke with a representative from customer care on August 11, 2016, and in the interest of customer satisfaction was given a $50 credit towards the deferred interest charges. We have now waived the remaining DPA balance, consisting of $43.26 in interest as it appears Ms. [redacted] had the intention of paying her promotional balance prior to its expiration. As of the date of this letter the DPA balance is now $0. We hope this letter explains and resolves this matter. Please do not hesitate to contact us should the BBB or the customer need further clarification. Sincerely, [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] states that he was approved for a Dell Preferred Account (“DPA”) however after placing an order with Dell it was placed on hold and later cancelledMr [redacted] says that he was not provided any information other than he will be receiving a letter in the mail and that he needed to speak with Dell Financial Services’ (“DFS”) verification departmentOn May 9, 2016, Mr [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%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 industryAt the time of credit approval Mr [redacted] placed an order which 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 phoneOn May 11, Mr [redacted] called customer service regarding his order and was transferred to the Fraud departmentAt that time, due to the information provided by Mr [redacted] not coinciding with the information required by the verification representative, the process could not be completed, and a letter was mailed to himMr [redacted] would have needed to contact verification again once he received this letter, at the phone number on the letterThe letter contained information that would have assisted in verifying his identity and completing the processMr [redacted] did not contact verification after the letter was mailed to him therefore the hold remained on his accountPlease be advised as of June 12, 2016, the hold has been removed from Mr [redacted] ’ accountPlease note that Mr [redacted] ’ order was cancelled pending completion of the verification processHe may now replace his orderWe must respectfully decline to provide Mr [redacted] with a major discount or any financial restitution due to the inconvenience he may have experienced due to our policies and proceduresWe 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 paid the remaining Dell Preferred Account (“DPA”) balance however she received a billing statement reflecting a late charge as well as a $interest chargePlease note that per our Privacy Policy, account information is restricted to the account holder and authorized designee(s)Ms [redacted] is not an authorized designee on the DPA in question therefore we will not be able to provide her with any account informationIf she would like to be added to the account as a designee she will need to have the account holder contact customer service at (800) 283-Alternatively, the account holder may fax a signed letter to (512) 283-2664, requesting to add Ms [redacted] to the DPA as an authorized designeePlease allow 3-business days for processingAccount Holder Name Address and Phone Number on account Last of SSN Designee Name Account Holder Signature We hope this letter explains our position in this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, [redacted] Executive Services Dell Financial Services
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , they did not however, mention the time an employee of theirs did contact me at my place of business and I was told they still could not verify my accountRegardless of that I find that this resolution is satisfactory to meI only want this account closed as I will never do business with Dell or recommend them or their computers to anyone Regards, [redacted]
Complaint: [redacted] I am rejecting this response because:ALL IS INCORRECT I WILL EXPLAIN THIS THE BEST I CAN.I already have a dell account for over years have purchased over $in products from dell I logged into that account to purchase that computer with my available credit limit After placing the order it showed February delivery date I IMMEDIATELY called Dell Customer Service to cancel the order because I wanted this for Christmas The customer service rep who was hard to understand said she would cancel the order (Which she never did) It took over months for them to just remove that 1st order from the account balance She said she would rewrite the order and GUARANTEE DELIVERY BY CHRISTMAS Otherwise I would have cancelled and purchased locally Unbeknowst to me she created a new account and put the compter transaction on that account I was NOT aware there was a second account created This was all done over the phone I was not aware that I was agreeing to a new account Why would I create another account when I have a $credit line already with a balance of $that I am currently paying on? That makes no senseTo me this is someone in sales trying to make commission I work as a sales manager and that is what this seems like to me Had I known she was creating this 2nd account I would have refused PERIOD!Dell has been completely negliant in this entire process I have spent countless hours on the phone with them They never ever tried to resolve this issue I begged them to freeze or hold my account till this was resolve they refused I asked them to move the fraudulent account balance to my original account they refused AGAIN.Now my balance is double what the computer retail was it is over $900!!!!! I have been a long time dell customer I will never ever do business with them again after this I would like them to take ownership of this And I would like an apology for refusing to work this out with me I have spent over hours on the phone the last months with managers, customer service reps, fraud reps No oneNot one single person offered or tried to go the extra mile to help me At this point I am close to getting legal counsil I am also opening a case with the [redacted] Consumer Protection I have been in sales and customer service my whole working career and I have never seen such lack of interest or reason This has EASILY been the worst retail experience of my life I am trying to buy a home next year and they have thouroughly destroyed my credit that I have worked so hard to build Unacceptable Regards, [redacted]
Please see the attached response and supporting documentDear Revdex.com Representative: We are in receipt of the follcomplaint from [redacted] We appreciate the customers desire to have her concerns addressed to her satisfactionPlease note that in our previous response we advised that a supervisor was working to ensure that all of Ms [redacted] ’ payments were applied appropriatelyThe last payment correction was made on April 28, 2016, and Ms [redacted] was informed that her lease was current at that timeMs [redacted] ’ April invoice generated before the last of the payment adjustments was made therefore it still showed lease ending in as past duePlease see the attached manual invoice that was created for Ms [redacted] to show her lease as currentThis was emailed to her on May 3, as wellRegarding the Collection calls Ms [redacted] states she is receiving, please note that a cease and desist was placed on Ms [redacted] ’ lease on April 19, 2016, which would prevent any further Collection calls from being made to herRecords indicate the last Collection call made to Ms [redacted] was on April 15, We hope this letter further explains our position in 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] states that he was unable to log in to his online Dell Financial Services (“DFS”) profile, and upon contacting customer service was told he didn’t have a profile set up and that he would need to first create an online profileHe states that his Dell Preferred Account (“DPA”) was closed during the time he was attempting to create a profile and log in, and is requesting the account be reopened along with the removal of the negative credit reporting now that he has paid his DPA in fullOn June 9, Mr [redacted] applied and was approved for a DPA with a credit limit of $and a corresponding variable Annual Percentage Rate (APR) of 29.99%At that time Mr [redacted] placed an order with Dell for computer equipment totaling $Mr [redacted] ’s first billing statement was generated on June 19, and had a payment due date of July 15, Please note that the billing statement contained instructions for paying online as well as mailing in a payment or paying by phoneThere was no contact from Mr [redacted] until September 17, when he emailed customer service stating that he was unable to access his online profileHe was advised that he had not yet created one, and was directed to the DFS website in order to do soAt that time Mr [redacted] was also reminded of the other options he had to make a paymentOn October 26, Mr [redacted] again emailed customer service stating that he could not make a payment onlineAgain he was advised that there was no online profile created and was directed to the website in order to create oneHe was again provided his other payment options at that timeOn October 28, Mr [redacted] replied to the customer service email stating that he received a message that his email was already linked to an online profileAt that time he was advised to contact customer service by phone in order to assistThere is no record of him contacting customer service by phoneOn December 22, 2015, per Mr [redacted] ’s request in his complaint to have someone contact him by phone to assist him in creating an online profile, we have contacted him and assistedMr [redacted] ’s online profile creation has now been completedPlease note that DFS has no record of Mr [redacted] previously creating, or attempting to create an online profileDFS received Mr [redacted] ’s payment for the full DPA balance of $on November 15, His account however, was closed due to delinquency on October 20, when it became days delinquentWe are reporting his DPA to the credit agencies as paid in full and closed by credit grantorWe must respectfully decline to reopen the DPA and remove the negative reporting as the account closure and subsequent negative reporting is validPlease 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 Mr [redacted] 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
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 her concerns addressed to her satisfactionPlease note that Dell Financial Services (“DFS”) received three (3) payments totaling $between the time Ms [redacted] made her purchase in August 2014, and July when the balance adjustment was made on her accountThe three (3) payments made satisfied the amount that was charged to her Dell Preferred Account (“DPA”) in August 2014, however, as previously stated her account was initially charged an incorrect amountOrder number was initially charged $57.49, which was $short of the correct amount of $An adjustment was made in July and the amount that was not initially charged was charged to her DPADFS received payment in the amount of $on September 10, which reduced the account balance to $Ms [redacted] ’s next minimum payment due of $is due on or before October 15, We hope this letter further explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, [redacted] Executive Services Dell Financial Services
Complaint: [redacted] I am rejecting this response because: I have truly been given the run-around by this company and they are in no way working towards a satisfactory resolutionJust turning me away does not address the issues with the $500+ device I bought that's is no longer working properlyI am a returning Dell Refurbished device customer so I am very aware of these products I have two Dell Refurbished lap tops in my possession at the moment, is from a previous purchase almost years ago and it's still working satisfactorilyThe other device is essentially a brick and that's the one I purchased and have had for less than a yearThis is a ''lemon'I simply want a device that WORKSI cannot use this device because the software is corrupted and had to be uninstalled (among other things), I can't sell it b/c of the loose fitting battery and scratched cover because the cover is just a stickerI do not eed a refund I need a working computerThis is not a basleas claim these devices should last for MANY MANY years, not daysThis is a fair request from a loyal customer who spent hard earned money with your company 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 that she paid her remaining Dell Preferred Account (“DPA”) balance in full in September 2015, however as payment was made late she was charged a late fee charge to her accountMs [redacted] states that she then paid the late fee charge late and received another late feePlease be advised that Ms***’s July billing statement reflected a DPA balance of $due by August 03, DFS received payment in the amount of $on August 15, 2015, however by that time her balance had increased to $due to a $late fee charge along with a $interest chargeThe $balance was reflected on her August 07, billing statementMs***’s September billing statement, which reflected her payment, reflected a balance of $due by October 03, DFS received payment in the amount of $on October 05, As this payment was received after her due date once again there was another late fee charge, this time in the amount of $21.69, which was assessed on October 04, Ms***’s October billing statement reflected a balance of $due by November 03, DFS did not receive payment by her due date therefore a late fee in the amount of $was assessed on November 03, 2015, and her November billing statement reflected a balance of $In regards to the late fee charges, please 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 statementDFS records indicate that Ms [redacted] contacted customer care on September 15, and was provided a courtesy waiver of her August $late feeMs [redacted] contacted DFS again in October requesting another late fee waiver and her request was denied as she was advised of DFS’ policy to waive only one fee as a courtesy in any twelve month periodAll fees assessed to Ms***’s account have been assessed in accordance with the agreed upon terms and conditions of the Dell Preferred Account, therefore we must respectfully decline any further waiversAs of the date of this letter Ms***’s Dell Preferred Account balance is $Please keep in mind that because interest accrues on her account daily she may have additional interest charges assessed on her next regular 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
Please see the attached response. Dear RevDex.com Representative: We are in receipt of a complaint from [redacted] ***, originally addressed to the RevDex.com. In his complaint Mr. [redacted] states he made a purchase in March 2015 but stopped receiving billing statements in... April 2015. He states that Dell deceptively changed his address causing him to not see his statements and the accrued interest on his Dell Preferred Account (“DPA”). Dell Financial Services (“DFS”) records indicate that on March 1, 2015 Mr. [redacted] applied and was approved for a Dell Preferred Account with a credit limit of $2500.00 and a corresponding APR of 29.99%. The terms of the credit agreement, including the Annual Percentage Rate (APR), were disclosed to Mr. [redacted] at the time his application for credit was approved. Our records indicate that Mr. [redacted] accepted the terms of the credit agreement. Additionally, the terms and conditions of Mr. ***’s credit agreement were mailed to him within 48 hours of his approval for credit. The terms and conditions give the customer three (3) days to contact us to reject the credit agreement. Our records indicate that Mr. [redacted] did not contact us to reject the DPA credit agreement. Please be advised at the time the account was opened, Mr. [redacted] placed an equipment order with Dell for computer equipment totaling $1522.10. One of the purchases from Mr. ***’s order, in the amount of $527.76 was returned and a full credit was processed, therefore his first billing statement, dated March 15, 2015 reflected a DPA balance of $994.34. Please note that these purchases qualified for a promotional financing feature of no interest, if paid in full within 12 months. On March 24, 2015 Mr. [redacted] made two additional purchases, totaling $1066.13, which also qualified for a 12 month promotional financing feature. Mr. [redacted] returned another order from his initial purchase, totaling $466.36 and his April 2015 billing statement was mailed out reflecting a $1511.11 balance. This billing statement reflected the two promotional plans for which Mr. ***’s purchases qualified. In April 2015 Mr. [redacted] made Dell purchases totaling $600.77 however he returned the entire purchase for a full credit, which was reflected on his June 2015 billing statement. In June and July 2015 Mr. [redacted] placed orders totaling $825.40 which did not qualify for promotional financing and were placed on a regular, interest bearing plan. Note that Mr. [redacted] returned one of these purchases, totaling $266.81, and the credit was reflected on his July 2015 billing statement. In order to avoid deferred interest charges the Total Dell Order amount was to be received by the promotional expiration date, which was April 10, 2016 for each of Mr. ***’s two promotional financing plans. Mr. ***’s last payment prior to the expiration of the promotions was March 4, 2016, in the amount of $103.00. Therefore Mr. ***’s promotional financing plans, with balances of $762.39 and $200.69, respectively, expired resulting in deferred interest charges of $286.37 and $120.69 being assessed to the DPA on April 15, 2016. Please note the billing address Mr. [redacted] provided on his credit application was [redacted] [redacted] ***. DFS received returned mail therefore updated Mr. ***’s address to [redacted] ***, [redacted] , [redacted] on March 23, 2015, which was the current address listed on Mr. ***’s credit report at that time. Mr. [redacted] did not contact DFS to advise that he had not been receiving billing statements until he sent an email on October 3, 2016 with this claim. At that time he was advised that statements were being mailed to the address on file but he may update this address by calling customer service. Mr. [redacted] did not call customer service until November 11, 2016, at which point his address was updated. At that time the house number was incorrectly updated, however on November Page 2 18, 2016 that was updated to the correct one, which matches the address Mr. [redacted] provided to your office. Please reference the terms and conditions regarding change of address: Change of Address. If 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 www.dellfinancialservices.com. All fees assessed to Mr. ***’s account have been assessed in accordance with the agreed upon Terms and Conditions of the Dell Preferred Account, therefore we must respectfully decline to waive and refund all interest from 2016. DFS received payment in the amount of $530.86 on December 16, 2016 which resulted in a credit balance of $92.48, for which we have processed a refund. Mr. ***’s account balance is now zero and he can expect to receive a refund check for the credit balance in within 7-10 business days. Please note that DFS does not have record of the previous requests for all billing statements however we have provided them along with this response for reference. We hope this letter explains and resolves this matter. Please do not hesitate to contact us should the BBB or the customer need further clarification. Sincerely, [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 her online payments are being applied to her Dell Preferred Account (“DPA”) late which has resulted in several late fee charges being applied to her accountMs [redacted] also states that she spoke with a representative who she could not understand, who disconnected the call when she asked to speak to someone elsePlease understand that as a global provider of financial services, Dell Financial Services (“DFS”) has locations around the world, and as such, we utilize these resources to support our customersPlease note that we have no record of the referenced call in which Ms [redacted] states she was hung up onThe last contact we have on record is from June 2015, and during this call Ms [redacted] asked for and received assistance in logging into her online DFS profileDFS records indicate that on December 31, Ms [redacted] applied and was approved for a DPA with a credit limit of $and a corresponding APR of 29.99%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 [redacted] ’s credit agreement were mailed to her within hours of her approval for creditPlease be advised that Ms [redacted] ’s DPA was paid in full prior to May 30, when she made a purchase with Dell in the amount of $253.19, followed by a purchase in the amount of $on June 3, Please note that these purchases qualified for a promotional financing feature of no interest, if paid in full within six (6) monthsIn order to avoid interest charges, the Total Dell Order amount was to be received on or before January 20, DFS received payment on December 24, in the amount of $This payment was not sufficient to pay off the remaining promotional plan balance of $therefore the promotional financing feature expired and billed deferred interest charges were assessed to Ms [redacted] ’s DPA 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 timePage Additionally, 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 Ms [redacted] ’s referenceIn addition to the promotional purchases, Ms [redacted] placed an additional order on June 23, in the amount of $23.49, and then in October placed three (3) more orders totaling $Please note that Ms [redacted] ’s billing statements are generated each month on the 25th and have a payment due date of the 20thThis has not changed since Ms [redacted] made her May purchaseIn regard to Ms [redacted] ’s recent payments which she states were processed late, incurring late fees; please note that the October payment was made through the DFS online payment portal on the 19th, ahead of her due date therefore did not result in a late feeMs [redacted] ’s November payment however was made online on the 22nd, after her due date, and did result in a $late fee chargeThe December payment was made on the 21st, which again was after the due date and resulted in a late fee, this time in the amount of $Please note that online payments may take 2-business days to post to a customer’s DPA, however they will be credited effective as the date they are made, and any late fees incurred due to the processing delay will be automatically creditedPlease be advised that when customers are one day late, or do not satisfy their total monthly minimum due by their due date 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 note that all fees assessed to Ms [redacted] ’s account were assessed in accordance with the agreed upon terms and conditions of the DPA, however in an effort to ensure customer satisfaction we have waived her December late fee in the amount of $We must respectfully decline to waive the November late feeAs 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 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 letterDear Revdex.com Representative: We are in receipt of a complaint from [redacted] ***, originally addressed to the Revdex.comIn his complaint Mr [redacted] states that two recent orders were cancelled and his attempts at gaining an explanation went unansweredDell Financial Services (“DFS”) records indicate that Mr***’s company, Action Images Sports Photography Inc., was approved for a Dell Business Credit (“DBC”) account with a $50,credit limit on November 28, Records further indicate that [redacted] ***opened a lease on February 07, This lease was coded as Bankruptcy in error on May 13, and subsequently charged off on May 20, A member of [redacted] ***contacted DFS in December claiming the bankruptcy was invalid and it was removedThe charge off remained though as no payments were received towards the lease after December Please note that billing statements are not issued on charged-off accountsThe lease was placed with Collections on December 06, then on December 12, an agreement was reached with a member of [redacted] ***to settle the lease balance for less than the amount owedOn May 15, the lease was coded as Settled in Full after DFS received the final payment towards the agreed upon settlement amount of $4262.00, thus satisfying the settlement agreementPlease be advised that due to the initial error in the bankruptcy coding, we have decided to reverse the charge-off on [redacted] ***.’s lease accountIn addition we will be removing the settlement coding and disposing the leaseWe will also report the lease to credit bureaus as always currentPlease allow 30-days for the credit update to be reflected with the credit agenciesWhile 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, Dunn & Bradstreet and Paynet at the beginning of each monthIf Mr [redacted] should have any questions regarding the credit report of [redacted] ***., he will need to contact the agency that owns the reportPlease note that [redacted] ***.’s DBC account is open and current and available for use in placing a new order, however the recent orders on August 28, and January 26, were cancelled because of the charge-off on the leaseThe DBC account is currently set up on recurring payments, as Mr [redacted] statedPlease note that the last contact by Mr***, or anyone from [redacted] [redacted] ***to DFS customer service was in September 2015, after the August order was cancelled, at which point they was advised that they would need to speak to Dell sales with regard to the orderPage In reference to Mr***’s question regarding US based support, please note that as a global organization, DFS utilizes global resources for servicingWith that being said, if Mr [redacted] has further concerns and would like to reach out to me directly he may find my contact information at the bottom of this letterWe regret any dissatisfaction Mr [redacted] experienced as a result of this issueWe hope this letter helps to explain and resolve this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, [redacted] [redacted] Dell Financial Services P: ###-###-#### Email: [redacted] @Dell.com
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution explains why Dell believes that they are above the law, and that they have no intentions of not assessing future late fees Regards, [redacted] ***
Complaint: [redacted] I am rejecting this response because:"This order was 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 December 20, 2017." was never disclosed to me any time I contacted your servicing department or else I could have paid off this balance with no problems and I never elected to have paperless statements if fact most of my calls that are supposed to be recorded it was about your web site being down or not function correctly so by you not disclosing accurate information and withholding this deferred months interest I don't see how I can or should be my issue and your agent in the client service group agreed with me and her max was all she could do if I was wrong why the adjustment ? that was no courtesy Regards, [redacted]
Complaint: [redacted] I am rejecting this response because: my problem is still not solved Again, I am not able to call Dell Financial because I do not have a phone When they locked my account, I entered the security questions with the answers that I have written down The error is on their end I have been emailing their customer service which has been no help at all which is why I contact the Revdex.com In fact customer service has not answered my last three emails which I sent on October 2nd Since they refuse to unlock my online account, I need all further statements mailed to me so that I can make payments on this account Again the three that they sent me were entirely blank except for my name and address and the remittance address I am very tired of trying to deal with their customer service I will be so glad when this account is paid off but without my monthly statements, I will be unable to make payments Regards, [redacted]
This does not tell me anythingAll it says is DELL purchaseI need to know what was purchased as there is no way I purchased items from DELLI need a list of all items Thank you,
Please see the attached responseDear Revdex.com Representative: We are in receipt of a complaint from [redacted] , originally addressed to the Revdex.comIn his complaint, Mr [redacted] contends his recent purchase was to be placed under a special financing promotion however his Dell Preferred Account (“DPA”) is accruing interest chargesDell Financial Services (“DFS”) records indicate on January 27, Mr [redacted] applied and was approved for a Dell Preferred Account with a credit limit of $and a corresponding APR of 29.99%The terms of the credit agreement, including the Annual Percentage Rate (APR), were disclosed to Mr [redacted] at the time his application for credit was approvedOur records indicate Mr [redacted] accepted the terms of the credit agreementAdditionally, the terms and conditions of Mr [redacted] ’s credit agreement were mailed to him within hours of his approval for creditThe terms and conditions give the customer three (3) days to contact us to reject the credit agreementOur records indicate Mr [redacted] did not contact us to reject the DPA credit agreementOn May 30, Mr [redacted] placed an order with Dell for computer equipment totaling $Please note this order was 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 must be paid in full on or before June 4, Please be advised Mr [redacted] had placed a previous order on November 23, in the amount of $465.48, which did not qualify for a special financing featureMr [redacted] returned this order to Dell and a full credit was processed on January 29, 2016, followed by two duplicate credits in the amount of $on February 1, The duplicate credits caused a credit balance on Mr [redacted] ’s DPA, so when he made his promotional purchase it was charged against the credit, resulting in a lower promotional plan balanceIn order to adjust for the duplicate credits DFS processed balance adjustments in the amount of $on July and August 11, Because these purchases were initially charged to a regular, interest bearing plan, the balance adjustments posted to a regular interest bearing plan, resulting in interest being assessed to Mr [redacted] ’s DPAWe have now transferred the balance of $from the interest bearing plan to his promotional planAdditionally we have waived the $in interest charges assessed to Mr [redacted] ’s DPA as a result of the regular planMr [redacted] ’s remaining DPA balance is $and is now entirely on his promotional planPlease note Mr [redacted] ’s DPA was placed under investigation for fraud per his request on October 11, 2016, however as no fraud was detected the fraud claim was closed on November 10, Records indicate Mr [redacted] contacted DFS and requested to make a payment on October 31, and was transferred to the fraud department as his account was still under investigation at that pointMr [redacted] still had the option to make a payment by mail or through our automated telephone systemIn regard to Mr [redacted] ’s comments DFS refused to send him a bill, please note his billing statements have been mailed each month on the 9thWe have no record of any additional requests for billing statements from Mr [redacted] We regret if Mr [redacted] feels he was treated unprofessionally upon his contacts with DFS however we have reviewed all available notes and call recordings and found no evidence he was threatened or mistreated in any wayWe 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 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 the status of his Dell Preferred Account (“DPA”) as reflected on his credit reportWe regret any frustration Mr [redacted] may have experienced while attempting to resolve this issueDell Financial Services (“DFS”) records indicate that Mr [redacted] paid his remaining DPA balance on December 27, Mr [redacted] ’s DPA was current with a zero balance when in March due to an error his DPA was reported to the credit bureaus as paid in full and closedMr [redacted] called DFS regarding the closure status as listed on his credit report on May 27, and a credit update was submittedAs part of the investigation into the credit update the agent noticed that Mr [redacted] had filed bankruptcy previouslySince the account was open at the time of the bankruptcy filing the account was coded as included in bankruptcy on June 01, However upon further review DFS removed the bankruptcy coding and reported Mr [redacted] ’s DPA to the credit bureaus as paid in full and current due to the fact that we appear to be outside of the statute of limitations on a bankruptcy filingA DFS representative reached out to Mr [redacted] on September 10, and advised him that his account is now open and will be reported to the credit bureaus as suchPlease 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 Mr [redacted] 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 her 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: FIrst of all, the information that was provided from previous purchases is irrelevant because they were all PAID IN FULL I have not lived at [redacted] drive in [redacted] since January of So the tablet and all corespondences from Dell were not to that addressThe address on [redacted] was from January to June At which time I paid the USPS to forward all mail to my new address which is on [redacted] *** I received confirmation and ALL other mail, including JUNK mail (from Dell) was forwarded to my new address Ironically enough, since I submitted this complaint my tablet has suddenly stopped working I think that it is poor customer service to blame me for not changing my address when in fact I still got the trash advertisements with my name and address printed on them Normally most businesses actually call someone to see if there is a problem after a while of no paymentsAll things considered, I have spent a lot of money thru Dell over the years and one would think that they would try to make it right instead of blaming others for their mistakesIt's funny that conveniently enough my tablet was delivered to me but bills suddenly ceased Regards, [redacted] ***
Please see the attached response. Dear RevDex.com Representative: We are in receipt of a complaint from [redacted] , originally addressed to the RevDex.com. In her complaint Ms. [redacted] states she scheduled a payment to satisfy the remaining promotional... plan balance prior to the promotional expiration. The payment was not withdrawn which led to interest charges and a late fee being assessed to her Dell Preferred Account (“DPA”). Dell Financial Services (“DFS”) records indicate on December 18, 2015 Ms. [redacted] applied and was approved for a DPA with a credit limit of $2500.00 and a corresponding APR of 29.99%. 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 approved. Our records indicate Ms. [redacted] accepted the terms of the credit agreement. Additionally, the terms and conditions of Ms. [redacted] ’s credit agreement were mailed to her within 48 hours of her approval for credit. The terms and conditions give the customer three (3) days to contact us to reject the credit agreement. Our records indicate Ms. [redacted] did not contact us to reject the DPA credit agreement. Please be advised at the time the account was opened, Ms. [redacted] placed an equipment order with Dell for computer equipment totaling $994.77, which was qualified for a promotional financing feature of no interest, if paid in full within 6 months. In order to avoid interest charges, the Total Dell Order amount was to have been received on or before July 1, 2016. DFS received payment on July 5, 2016 in the amount of $105.77, which had it been received by the July 1st promotional expiration date would have satisfied the remaining promotional plan balance. As the payment was not received by the promotional expiration date, the promotional financing feature expired and billed deferred interest charges were assessed to Ms. [redacted] ’s Dell Preferred Account in the amount of $91.64. DFS records indicate Ms. [redacted] ’s DPA had been set up on an automatic payment model until she canceled it on June 7, 2016. Records do not indicate the Ms. [redacted] set up another payment until July 5, 2016, after her promotional plan expired, at which point she scheduled a payment for $105.77. Please understand all fees assessed to Ms. [redacted] ’s account have been assessed in accordance with the agreed upon Terms and Conditions of the Dell Preferred Account, however she spoke with a representative from customer care on August 11, 2016, and in the interest of customer satisfaction was given a $50 credit towards the deferred interest charges. We have now waived the remaining DPA balance, consisting of $43.26 in interest as it appears Ms. [redacted] had the intention of paying her promotional balance prior to its expiration. As of the date of this letter the DPA balance is now $0. We hope this letter explains and resolves this matter. Please do not hesitate to contact us should the BBB or the customer need further clarification. Sincerely, [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] states that he was approved for a Dell Preferred Account (“DPA”) however after placing an order with Dell it was placed on hold and later cancelledMr [redacted] says that he was not provided any information other than he will be receiving a letter in the mail and that he needed to speak with Dell Financial Services’ (“DFS”) verification departmentOn May 9, 2016, Mr [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%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 industryAt the time of credit approval Mr [redacted] placed an order which 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 phoneOn May 11, Mr [redacted] called customer service regarding his order and was transferred to the Fraud departmentAt that time, due to the information provided by Mr [redacted] not coinciding with the information required by the verification representative, the process could not be completed, and a letter was mailed to himMr [redacted] would have needed to contact verification again once he received this letter, at the phone number on the letterThe letter contained information that would have assisted in verifying his identity and completing the processMr [redacted] did not contact verification after the letter was mailed to him therefore the hold remained on his accountPlease be advised as of June 12, 2016, the hold has been removed from Mr [redacted] ’ accountPlease note that Mr [redacted] ’ order was cancelled pending completion of the verification processHe may now replace his orderWe must respectfully decline to provide Mr [redacted] with a major discount or any financial restitution due to the inconvenience he may have experienced due to our policies and proceduresWe 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 paid the remaining Dell Preferred Account (“DPA”) balance however she received a billing statement reflecting a late charge as well as a $interest chargePlease note that per our Privacy Policy, account information is restricted to the account holder and authorized designee(s)Ms [redacted] is not an authorized designee on the DPA in question therefore we will not be able to provide her with any account informationIf she would like to be added to the account as a designee she will need to have the account holder contact customer service at (800) 283-Alternatively, the account holder may fax a signed letter to (512) 283-2664, requesting to add Ms [redacted] to the DPA as an authorized designeePlease allow 3-business days for processingAccount Holder Name Address and Phone Number on account Last of SSN Designee Name Account Holder Signature We hope this letter explains our position in this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, [redacted] Executive Services Dell Financial Services
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , they did not however, mention the time an employee of theirs did contact me at my place of business and I was told they still could not verify my accountRegardless of that I find that this resolution is satisfactory to meI only want this account closed as I will never do business with Dell or recommend them or their computers to anyone Regards, [redacted]
Complaint: [redacted] I am rejecting this response because:ALL IS INCORRECT I WILL EXPLAIN THIS THE BEST I CAN.I already have a dell account for over years have purchased over $in products from dell I logged into that account to purchase that computer with my available credit limit After placing the order it showed February delivery date I IMMEDIATELY called Dell Customer Service to cancel the order because I wanted this for Christmas The customer service rep who was hard to understand said she would cancel the order (Which she never did) It took over months for them to just remove that 1st order from the account balance She said she would rewrite the order and GUARANTEE DELIVERY BY CHRISTMAS Otherwise I would have cancelled and purchased locally Unbeknowst to me she created a new account and put the compter transaction on that account I was NOT aware there was a second account created This was all done over the phone I was not aware that I was agreeing to a new account Why would I create another account when I have a $credit line already with a balance of $that I am currently paying on? That makes no senseTo me this is someone in sales trying to make commission I work as a sales manager and that is what this seems like to me Had I known she was creating this 2nd account I would have refused PERIOD!Dell has been completely negliant in this entire process I have spent countless hours on the phone with them They never ever tried to resolve this issue I begged them to freeze or hold my account till this was resolve they refused I asked them to move the fraudulent account balance to my original account they refused AGAIN.Now my balance is double what the computer retail was it is over $900!!!!! I have been a long time dell customer I will never ever do business with them again after this I would like them to take ownership of this And I would like an apology for refusing to work this out with me I have spent over hours on the phone the last months with managers, customer service reps, fraud reps No oneNot one single person offered or tried to go the extra mile to help me At this point I am close to getting legal counsil I am also opening a case with the [redacted] Consumer Protection I have been in sales and customer service my whole working career and I have never seen such lack of interest or reason This has EASILY been the worst retail experience of my life I am trying to buy a home next year and they have thouroughly destroyed my credit that I have worked so hard to build Unacceptable Regards, [redacted]
Please see the attached response and supporting documentDear Revdex.com Representative: We are in receipt of the follcomplaint from [redacted] We appreciate the customers desire to have her concerns addressed to her satisfactionPlease note that in our previous response we advised that a supervisor was working to ensure that all of Ms [redacted] ’ payments were applied appropriatelyThe last payment correction was made on April 28, 2016, and Ms [redacted] was informed that her lease was current at that timeMs [redacted] ’ April invoice generated before the last of the payment adjustments was made therefore it still showed lease ending in as past duePlease see the attached manual invoice that was created for Ms [redacted] to show her lease as currentThis was emailed to her on May 3, as wellRegarding the Collection calls Ms [redacted] states she is receiving, please note that a cease and desist was placed on Ms [redacted] ’ lease on April 19, 2016, which would prevent any further Collection calls from being made to herRecords indicate the last Collection call made to Ms [redacted] was on April 15, We hope this letter further explains our position in 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] states that he was unable to log in to his online Dell Financial Services (“DFS”) profile, and upon contacting customer service was told he didn’t have a profile set up and that he would need to first create an online profileHe states that his Dell Preferred Account (“DPA”) was closed during the time he was attempting to create a profile and log in, and is requesting the account be reopened along with the removal of the negative credit reporting now that he has paid his DPA in fullOn June 9, Mr [redacted] applied and was approved for a DPA with a credit limit of $and a corresponding variable Annual Percentage Rate (APR) of 29.99%At that time Mr [redacted] placed an order with Dell for computer equipment totaling $Mr [redacted] ’s first billing statement was generated on June 19, and had a payment due date of July 15, Please note that the billing statement contained instructions for paying online as well as mailing in a payment or paying by phoneThere was no contact from Mr [redacted] until September 17, when he emailed customer service stating that he was unable to access his online profileHe was advised that he had not yet created one, and was directed to the DFS website in order to do soAt that time Mr [redacted] was also reminded of the other options he had to make a paymentOn October 26, Mr [redacted] again emailed customer service stating that he could not make a payment onlineAgain he was advised that there was no online profile created and was directed to the website in order to create oneHe was again provided his other payment options at that timeOn October 28, Mr [redacted] replied to the customer service email stating that he received a message that his email was already linked to an online profileAt that time he was advised to contact customer service by phone in order to assistThere is no record of him contacting customer service by phoneOn December 22, 2015, per Mr [redacted] ’s request in his complaint to have someone contact him by phone to assist him in creating an online profile, we have contacted him and assistedMr [redacted] ’s online profile creation has now been completedPlease note that DFS has no record of Mr [redacted] previously creating, or attempting to create an online profileDFS received Mr [redacted] ’s payment for the full DPA balance of $on November 15, His account however, was closed due to delinquency on October 20, when it became days delinquentWe are reporting his DPA to the credit agencies as paid in full and closed by credit grantorWe must respectfully decline to reopen the DPA and remove the negative reporting as the account closure and subsequent negative reporting is validPlease 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 Mr [redacted] 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
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 her concerns addressed to her satisfactionPlease note that Dell Financial Services (“DFS”) received three (3) payments totaling $between the time Ms [redacted] made her purchase in August 2014, and July when the balance adjustment was made on her accountThe three (3) payments made satisfied the amount that was charged to her Dell Preferred Account (“DPA”) in August 2014, however, as previously stated her account was initially charged an incorrect amountOrder number was initially charged $57.49, which was $short of the correct amount of $An adjustment was made in July and the amount that was not initially charged was charged to her DPADFS received payment in the amount of $on September 10, which reduced the account balance to $Ms [redacted] ’s next minimum payment due of $is due on or before October 15, We hope this letter further explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, [redacted] Executive Services Dell Financial Services
Complaint: [redacted] I am rejecting this response because: I have truly been given the run-around by this company and they are in no way working towards a satisfactory resolutionJust turning me away does not address the issues with the $500+ device I bought that's is no longer working properlyI am a returning Dell Refurbished device customer so I am very aware of these products I have two Dell Refurbished lap tops in my possession at the moment, is from a previous purchase almost years ago and it's still working satisfactorilyThe other device is essentially a brick and that's the one I purchased and have had for less than a yearThis is a ''lemon'I simply want a device that WORKSI cannot use this device because the software is corrupted and had to be uninstalled (among other things), I can't sell it b/c of the loose fitting battery and scratched cover because the cover is just a stickerI do not eed a refund I need a working computerThis is not a basleas claim these devices should last for MANY MANY years, not daysThis is a fair request from a loyal customer who spent hard earned money with your company 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 that she paid her remaining Dell Preferred Account (“DPA”) balance in full in September 2015, however as payment was made late she was charged a late fee charge to her accountMs [redacted] states that she then paid the late fee charge late and received another late feePlease be advised that Ms***’s July billing statement reflected a DPA balance of $due by August 03, DFS received payment in the amount of $on August 15, 2015, however by that time her balance had increased to $due to a $late fee charge along with a $interest chargeThe $balance was reflected on her August 07, billing statementMs***’s September billing statement, which reflected her payment, reflected a balance of $due by October 03, DFS received payment in the amount of $on October 05, As this payment was received after her due date once again there was another late fee charge, this time in the amount of $21.69, which was assessed on October 04, Ms***’s October billing statement reflected a balance of $due by November 03, DFS did not receive payment by her due date therefore a late fee in the amount of $was assessed on November 03, 2015, and her November billing statement reflected a balance of $In regards to the late fee charges, please 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 statementDFS records indicate that Ms [redacted] contacted customer care on September 15, and was provided a courtesy waiver of her August $late feeMs [redacted] contacted DFS again in October requesting another late fee waiver and her request was denied as she was advised of DFS’ policy to waive only one fee as a courtesy in any twelve month periodAll fees assessed to Ms***’s account have been assessed in accordance with the agreed upon terms and conditions of the Dell Preferred Account, therefore we must respectfully decline any further waiversAs of the date of this letter Ms***’s Dell Preferred Account balance is $Please keep in mind that because interest accrues on her account daily she may have additional interest charges assessed on her next regular 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
Please see the attached response. Dear RevDex.com Representative: We are in receipt of a complaint from [redacted] ***, originally addressed to the RevDex.com. In his complaint Mr. [redacted] states he made a purchase in March 2015 but stopped receiving billing statements in... April 2015. He states that Dell deceptively changed his address causing him to not see his statements and the accrued interest on his Dell Preferred Account (“DPA”). Dell Financial Services (“DFS”) records indicate that on March 1, 2015 Mr. [redacted] applied and was approved for a Dell Preferred Account with a credit limit of $2500.00 and a corresponding APR of 29.99%. The terms of the credit agreement, including the Annual Percentage Rate (APR), were disclosed to Mr. [redacted] at the time his application for credit was approved. Our records indicate that Mr. [redacted] accepted the terms of the credit agreement. Additionally, the terms and conditions of Mr. ***’s credit agreement were mailed to him within 48 hours of his approval for credit. The terms and conditions give the customer three (3) days to contact us to reject the credit agreement. Our records indicate that Mr. [redacted] did not contact us to reject the DPA credit agreement. Please be advised at the time the account was opened, Mr. [redacted] placed an equipment order with Dell for computer equipment totaling $1522.10. One of the purchases from Mr. ***’s order, in the amount of $527.76 was returned and a full credit was processed, therefore his first billing statement, dated March 15, 2015 reflected a DPA balance of $994.34. Please note that these purchases qualified for a promotional financing feature of no interest, if paid in full within 12 months. On March 24, 2015 Mr. [redacted] made two additional purchases, totaling $1066.13, which also qualified for a 12 month promotional financing feature. Mr. [redacted] returned another order from his initial purchase, totaling $466.36 and his April 2015 billing statement was mailed out reflecting a $1511.11 balance. This billing statement reflected the two promotional plans for which Mr. ***’s purchases qualified. In April 2015 Mr. [redacted] made Dell purchases totaling $600.77 however he returned the entire purchase for a full credit, which was reflected on his June 2015 billing statement. In June and July 2015 Mr. [redacted] placed orders totaling $825.40 which did not qualify for promotional financing and were placed on a regular, interest bearing plan. Note that Mr. [redacted] returned one of these purchases, totaling $266.81, and the credit was reflected on his July 2015 billing statement. In order to avoid deferred interest charges the Total Dell Order amount was to be received by the promotional expiration date, which was April 10, 2016 for each of Mr. ***’s two promotional financing plans. Mr. ***’s last payment prior to the expiration of the promotions was March 4, 2016, in the amount of $103.00. Therefore Mr. ***’s promotional financing plans, with balances of $762.39 and $200.69, respectively, expired resulting in deferred interest charges of $286.37 and $120.69 being assessed to the DPA on April 15, 2016. Please note the billing address Mr. [redacted] provided on his credit application was [redacted] [redacted] ***. DFS received returned mail therefore updated Mr. ***’s address to [redacted] ***, [redacted] , [redacted] on March 23, 2015, which was the current address listed on Mr. ***’s credit report at that time. Mr. [redacted] did not contact DFS to advise that he had not been receiving billing statements until he sent an email on October 3, 2016 with this claim. At that time he was advised that statements were being mailed to the address on file but he may update this address by calling customer service. Mr. [redacted] did not call customer service until November 11, 2016, at which point his address was updated. At that time the house number was incorrectly updated, however on November Page 2 18, 2016 that was updated to the correct one, which matches the address Mr. [redacted] provided to your office. Please reference the terms and conditions regarding change of address: Change of Address. If 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 www.dellfinancialservices.com. All fees assessed to Mr. ***’s account have been assessed in accordance with the agreed upon Terms and Conditions of the Dell Preferred Account, therefore we must respectfully decline to waive and refund all interest from 2016. DFS received payment in the amount of $530.86 on December 16, 2016 which resulted in a credit balance of $92.48, for which we have processed a refund. Mr. ***’s account balance is now zero and he can expect to receive a refund check for the credit balance in within 7-10 business days. Please note that DFS does not have record of the previous requests for all billing statements however we have provided them along with this response for reference. We hope this letter explains and resolves this matter. Please do not hesitate to contact us should the BBB or the customer need further clarification. Sincerely, [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 her online payments are being applied to her Dell Preferred Account (“DPA”) late which has resulted in several late fee charges being applied to her accountMs [redacted] also states that she spoke with a representative who she could not understand, who disconnected the call when she asked to speak to someone elsePlease understand that as a global provider of financial services, Dell Financial Services (“DFS”) has locations around the world, and as such, we utilize these resources to support our customersPlease note that we have no record of the referenced call in which Ms [redacted] states she was hung up onThe last contact we have on record is from June 2015, and during this call Ms [redacted] asked for and received assistance in logging into her online DFS profileDFS records indicate that on December 31, Ms [redacted] applied and was approved for a DPA with a credit limit of $and a corresponding APR of 29.99%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 [redacted] ’s credit agreement were mailed to her within hours of her approval for creditPlease be advised that Ms [redacted] ’s DPA was paid in full prior to May 30, when she made a purchase with Dell in the amount of $253.19, followed by a purchase in the amount of $on June 3, Please note that these purchases qualified for a promotional financing feature of no interest, if paid in full within six (6) monthsIn order to avoid interest charges, the Total Dell Order amount was to be received on or before January 20, DFS received payment on December 24, in the amount of $This payment was not sufficient to pay off the remaining promotional plan balance of $therefore the promotional financing feature expired and billed deferred interest charges were assessed to Ms [redacted] ’s DPA 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 timePage Additionally, 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 Ms [redacted] ’s referenceIn addition to the promotional purchases, Ms [redacted] placed an additional order on June 23, in the amount of $23.49, and then in October placed three (3) more orders totaling $Please note that Ms [redacted] ’s billing statements are generated each month on the 25th and have a payment due date of the 20thThis has not changed since Ms [redacted] made her May purchaseIn regard to Ms [redacted] ’s recent payments which she states were processed late, incurring late fees; please note that the October payment was made through the DFS online payment portal on the 19th, ahead of her due date therefore did not result in a late feeMs [redacted] ’s November payment however was made online on the 22nd, after her due date, and did result in a $late fee chargeThe December payment was made on the 21st, which again was after the due date and resulted in a late fee, this time in the amount of $Please note that online payments may take 2-business days to post to a customer’s DPA, however they will be credited effective as the date they are made, and any late fees incurred due to the processing delay will be automatically creditedPlease be advised that when customers are one day late, or do not satisfy their total monthly minimum due by their due date 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 note that all fees assessed to Ms [redacted] ’s account were assessed in accordance with the agreed upon terms and conditions of the DPA, however in an effort to ensure customer satisfaction we have waived her December late fee in the amount of $We must respectfully decline to waive the November late feeAs 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 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 letterDear Revdex.com Representative: We are in receipt of a complaint from [redacted] ***, originally addressed to the Revdex.comIn his complaint Mr [redacted] states that two recent orders were cancelled and his attempts at gaining an explanation went unansweredDell Financial Services (“DFS”) records indicate that Mr***’s company, Action Images Sports Photography Inc., was approved for a Dell Business Credit (“DBC”) account with a $50,credit limit on November 28, Records further indicate that [redacted] ***opened a lease on February 07, This lease was coded as Bankruptcy in error on May 13, and subsequently charged off on May 20, A member of [redacted] ***contacted DFS in December claiming the bankruptcy was invalid and it was removedThe charge off remained though as no payments were received towards the lease after December Please note that billing statements are not issued on charged-off accountsThe lease was placed with Collections on December 06, then on December 12, an agreement was reached with a member of [redacted] ***to settle the lease balance for less than the amount owedOn May 15, the lease was coded as Settled in Full after DFS received the final payment towards the agreed upon settlement amount of $4262.00, thus satisfying the settlement agreementPlease be advised that due to the initial error in the bankruptcy coding, we have decided to reverse the charge-off on [redacted] ***.’s lease accountIn addition we will be removing the settlement coding and disposing the leaseWe will also report the lease to credit bureaus as always currentPlease allow 30-days for the credit update to be reflected with the credit agenciesWhile 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, Dunn & Bradstreet and Paynet at the beginning of each monthIf Mr [redacted] should have any questions regarding the credit report of [redacted] ***., he will need to contact the agency that owns the reportPlease note that [redacted] ***.’s DBC account is open and current and available for use in placing a new order, however the recent orders on August 28, and January 26, were cancelled because of the charge-off on the leaseThe DBC account is currently set up on recurring payments, as Mr [redacted] statedPlease note that the last contact by Mr***, or anyone from [redacted] [redacted] ***to DFS customer service was in September 2015, after the August order was cancelled, at which point they was advised that they would need to speak to Dell sales with regard to the orderPage In reference to Mr***’s question regarding US based support, please note that as a global organization, DFS utilizes global resources for servicingWith that being said, if Mr [redacted] has further concerns and would like to reach out to me directly he may find my contact information at the bottom of this letterWe regret any dissatisfaction Mr [redacted] experienced as a result of this issueWe hope this letter helps to explain and resolve this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, [redacted] [redacted] Dell Financial Services P: ###-###-#### Email: [redacted] @Dell.com
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution explains why Dell believes that they are above the law, and that they have no intentions of not assessing future late fees Regards, [redacted] ***
Complaint: [redacted] I am rejecting this response because:"This order was 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 December 20, 2017." was never disclosed to me any time I contacted your servicing department or else I could have paid off this balance with no problems and I never elected to have paperless statements if fact most of my calls that are supposed to be recorded it was about your web site being down or not function correctly so by you not disclosing accurate information and withholding this deferred months interest I don't see how I can or should be my issue and your agent in the client service group agreed with me and her max was all she could do if I was wrong why the adjustment ? that was no courtesy Regards, [redacted]
Complaint: [redacted] I am rejecting this response because: my problem is still not solved Again, I am not able to call Dell Financial because I do not have a phone When they locked my account, I entered the security questions with the answers that I have written down The error is on their end I have been emailing their customer service which has been no help at all which is why I contact the Revdex.com In fact customer service has not answered my last three emails which I sent on October 2nd Since they refuse to unlock my online account, I need all further statements mailed to me so that I can make payments on this account Again the three that they sent me were entirely blank except for my name and address and the remittance address I am very tired of trying to deal with their customer service I will be so glad when this account is paid off but without my monthly statements, I will be unable to make payments Regards, [redacted]