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 2013. So the tablet and all corespondences from Dell were not to that address. The address on [redacted] was from January 2013 to June 2015. 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 payments. All 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 mistakes. It'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 his complaint Mr. [redacted] expresses concern regarding the outstanding balance on his Dell...
Preferred Account (“DPA”). Mr. [redacted] states he would like a buyout for less than the full remaining balance. Dell Financial Services (“DFS”) records indicate on July 29, 2005, Mr. [redacted] applied and was approved for a Dell Preferred Account with a credit limit of $1500.00 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 Mr. [redacted] accepted the terms of the credit agreement. Additionally, the terms and conditions of Mr. [redacted]’s credit agreement were mailed to him within 48 hours of his approval for credit. The terms and conditions give the customer three (3) days to contact us to reject the credit agreement. Our records indicate Mr. [redacted] did not contact us to reject the DPA credit agreement. Please be advised at the time of the account opening Mr. [redacted] placed an order with Dell totaling $1322.94. Mr. [redacted] made ten additional purchases between November 2005 and September 2009 totaling $2738.56. Please note 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, whether additional purchases are made, or whether fees are assessed. The customer can reduce the account balance faster by making payments larger than the minimum amount due. After reviewing Mr. [redacted]’s payment history, DFS finds his minimum monthly payment amount was received late on fifty-seven occasions, totaling $1946 in late fee charges. Please be advised when customers are one day late DFS will charge a late fee charge to the customers Dell Preferred Account. Please reference the section of the terms and conditions titled Charges. Charges: 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 statement. Please understand all fees assessed to Mr. [redacted]’s account have been assessed in accordance with the agreed upon Terms and Conditions of the Dell Preferred Account. As of the date of this letter Mr. [redacted]’s DPA balance is $1074.28. Please keep in mind because interest accrues on his account daily he may have additional interest charges assessed on his next regular statement. In regard to Mr. [redacted]’s statement he requested a buyout on numerous occasions, please note records indicate he called customer service on March 10, 2016 and inquired about a possible settlement. This is the first record of Mr. [redacted] making this type of request. At that time a case was opened for a member of our collections team to call Mr. [redacted] back and discuss any Page 2 possible options. A callback was made later that day and the agent advised Mr. [redacted] he did not qualify for a settlement at that time. Please note at the time of his request his account was only sixteen days past due and DFS does not offer settlements on accounts less than 30 days past due. There is no record of any other contacts from Mr. [redacted] in regard to a buyout. Furthermore there is no record of him being placed on hold for 20 minutes. At this time as Mr. [redacted]’s DPA is now 74 days past due, DFS is willing to offer him a settlement in the amount of $859.43, which equates to 80% of his remaining balance. If Mr. [redacted] would like to accept this offer he may contact Collections at ###-###-#### and make the settlement payment. Should Mr. [redacted] accept the settlement agreement DFS will charge off his remaining account balance and submit an update to the credit bureaus to report his DFS tradeline as settled in full for less than the full balance and charged off. Please note, while DFS reports to the credit agencies, the credit report is the sole property of the agency generating the report. Currently, DFS submits account information to Experian, Equifax, TransUnion and Innovis. If Mr. [redacted] should have any questions regarding his credit report he will need to contact Experian at [redacted]-[redacted]-[redacted], Equifax at ###-###-####, TransUnion at ###-###-####, Innovis at ###-###-#### or at the phone number on his credit report. We hope this letter explains and resolves this matter. Please do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely, [redacted] Executive Services Dell Financial Services
Please see the attached response.Dear Madam or Sir: We are in receipt of a complaint from [redacted], originally addressed to the Revdex.com. The complaint was sent to Dell Financial Services (“DFS”) electronically through the online Revdex.com portal on July 7, 2017. In the...
complaint Mr. [redacted] states the following: ? He purchased a refurbished laptop from DFS and was sent a 180 watt power adapter instead of the 240 watt adapter that was listed in the product specifications. ? He contacted DFS and was advised that he would receive the correct power adapter within a week. ? He contacted DFS two more times including on July 5, 2017 and was not given an estimate regarding when the item would ship. Furthermore the agent he spoke with acted in a rude and unprofessional manner. DFS records indicate that due to human error Mr. [redacted] was shipped the incorrect power adapter with his recent laptop purchase. Mr. [redacted] initially contacted DFS on June 26, 2017 regarding the incorrect power adapter and a parts order was created to ship him the correct one. Unfortunately due to an inventory issue the order did not ship until July 13, 2017. The power adapter is scheduled to be delivered on July 17, 2017. We apologize if the service Mr. [redacted] received upon his contacts with DFS were less than satisfactory. While we realize that only our future service opportunities can restore his confidence in us completely, we want to assure Mr. [redacted] that his experience was unusual. We strive to provide our customers with friendly and efficient service, and hope that any future service opportunities result in his complete satisfaction. We must respectfully decline Mr. [redacted]’s request for compensation. We hope this letter helps explain and resolve this matter. Please do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely, [redacted] Executive Services Dell Financial Services
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 that she paid her Dell Preferred Account (“DPA”) balance in full...
however she received a late fee charge. Ms. [redacted] states that she paid this late fee charge however she was assessed compounding late fee charges totaling $75. She states she has been receiving phone calls regarding her balance, and that her account has been reported negatively to the credit bureaus. Dell Financial Services (“DFS”) records indicate that on August 23, 2015 Ms. [redacted] applied and was approved for a Dell Preferred Account with a credit limit of $5000.00 and a corresponding APR of 19.99%. 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 that Ms. [redacted] accepted the terms of the credit agreement. Additionally, the terms and conditions of Ms. [redacted]’ 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 that Ms. [redacted] did not contact us to reject the DPA credit agreement. Please be advised that at the time the account was opened Ms. [redacted] placed an equipment order with Dell for computer equipment totaling $1280.17. This purchase was qualified for a promotional financing feature of no interest, if paid in full within twelve (12) months. In order to avoid interest charges, the Total Dell Order amount was to have been received on or before September 4, 2016. Records indicate that Ms. [redacted] made a payment of $990.17 on January 13, 2016, which would have paid her remaining DPA balance in full had it been received by her January 4, 2016 due date as reflected on her December 2015 billing statement. Because payment was not received by her due date a late fee charge was assessed to her DPA in the amount of $30. Ms. [redacted] made a payment to DFS for the $30 balance on March 8, 2016, however because it was not received by the March 4, 2016 due date as reflected on her February billing statement another late fee charge was assessed, this time in the amount of $20. No further payments were received by Ms. [redacted] until June 14, 2016 therefore two additional late fees were assessed in the amounts of $20 in April and $35 in May. On June 14, 2016 Ms. [redacted] made a payment of $40 while a $35 late fee charge was waived as a courtesy. Please be advised that when customers are one day late DFS will charge a late fee charge to the customers Dell Preferred Account. Please reference the section of the DPA terms and conditions titled Charges. Charges: 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 statement. All fees assessed to Ms. [redacted]’ account have been assessed in accordance with the agreed upon terms and conditions of the Dell Preferred Account, therefore we must respectfully Page 2 decline to refund the $40 she paid in late fee charges. Furthermore DFS must respectfully decline to remove any negative credit reporting as DFS must comply with the provisions of FCRA and the amendments as outlined by FACTA. FCRA requires that creditors accurately report a customer’s credit history and prohibits creditors from reporting information they know to be inaccurate. While DFS reports to the credit agencies, the credit report is the sole property of the agency generating the report. Currently, DFS submits account information to Experian, Equifax, TransUnion and Innovis. If Ms. [redacted] should have any questions regarding her credit report she will need to contact Experian at ###-###-####, Equifax at ###-###-####, TransUnion at 800-916-8800, Innovis at ###-###-#### or at the phone number on her credit report. With regard to Ms. [redacted]’ comments of phone calls being made to her in reference to the past due amount on her DPA, please understand DFS reserves the right to contact a customer if the monthly minimum payment is not made in full by the applicable due date. We hope this letter explains and resolves this matter. Please do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely, [redacted] Executive Services Dell Financial Services
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
Complaint: [redacted]
I am rejecting this response because: Because Dell had my correct address in PA. They decided to take it upon themselves, citing research to change my address without my authorization. Dell is the one who failed to contact and confirm the correct billing address, if they were concern with the address. Again Dell is negligent in there actions and in their response and is claiming it is the fault of the customer, when in fact the customer was not. As evidence shows and it can be held presentable in court, that Dell did in fact have the correct address from the beginning, and fraudulently changed the customers address claiming they did their own research. That researched proved to be invalid, void, and fraudulent. Dell needs to clarify this matter, that is not acceptable.
Regards,
[redacted]
This does not tell me anything. All it says is DELL purchase. I need to know what was purchased as there is no way I purchased 14 items from DELL. I need a list of all items.
Thank you,
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 that his online Dell Financial Services (“DFS”) profile is...
locked each month, requiring him to reset his password or contact customer service. We regret any inconvenience Mr. [redacted] may have experienced as a result of this issue. Records indicate that Mr. [redacted]’s online DFS profile was first hard-locked on June 30, 2015 when the security questions that he set up on his profile were answered incorrectly. Please note that once an online DFS profile is hard-locked DFS must speak with the customer by phone in order to unlock it. Mr. [redacted] called customer service on July 09, 2015 and received assistance in unlocking his online profile. Twice on August 06, 2015 and once on September 05, 2015 Mr. [redacted]’s online DFS profile was soft-locked when he failed to enter the correct password. A password reset email was then sent to him on each occasion, allowing him to reset his password and log in. Mr. [redacted]’s online profile is currently unlocked. Please be advised that there is no issue with our server communicating with Apple computers. There is also no record of any system maintenance that would have prevented Mr. [redacted] from logging in to his online profile during the dates in which his profile was locked, and we have no record of Mr. [redacted] being told otherwise. There is however record of customer service recommending that Mr. [redacted] register his device, which would help with the log in process. Please understand that all fees assessed to Mr. [redacted]’s account have been assessed in accordance with the agreed upon Terms and Conditions of the Dell Preferred Account, therefore we must respectfully decline any further late fee waivers. DFS previously waived his July late fee as a one-time courtesy. As of the date of this letter, Mr. [redacted]’s account balance is $1685.00. Please be advised that Dell Financial Services (“DFS”) has not reported any negative information to the credit agencies regarding Mr. [redacted]’s DPA. However, if he should have any questions regarding his credit report, he may contact Experian at ###-###-####, Equifax at [redacted] , TransUnion at ###-###-####, Innovis at ###-###-#### or at the phone number on his credit report. We hope this letter explains and resolves this matter. Please do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely, [redacted] Executive Services Dell Financial Services
Please see the attached response. Dear Revdex.com Representative: We are in receipt of a complaint from [redacted], originally addressed to the Revdex.com. In her complaint Ms. [redacted] states that she contacted Dell Financial Services (“DFS”) and was denied...
an Annual Percentage Rate (APR) reduction on her Dell Preferred Account (“DPA”). Ms. [redacted] also states that she was only offered a $50.00 late fee credit, and that she was not provided a due date change upon her request. Dell Financial Services (“DFS”) records indicate that Ms. [redacted]’ Dell Preferred Account was opened on July 18, 2013. Ms. [redacted] applied and was qualified for a Dell Preferred Account with a credit limit of $3000.00 and an APR of 25.99%. After applying for the Dell Preferred account and upon approval Ms. [redacted] was advised that she was approved for the Dell Preferred Account. She was then disclosed the credit limit and APR for which she qualified. Additionally, Ms. [redacted] was mailed her “Welcome Packet”, which included the terms and conditions of her Dell Preferred Account including the Annual Percentage Rate, within 48 hours of the credit approval. Please understand that the account’s interest rate is based on the applicant’s creditworthiness as determined by our credit scoring model at the time the application is reviewed. Although interest rates are variable and may fluctuate over time based on the Prime Rate, we do not offer interest rate reductions. After reviewing Ms. [redacted]’ payment history, DFS finds that her minimum monthly payment amount is due on the 1st of each month, however was received on the 2nd or later on twenty-five (25) occasions, totaling $1825.00 in late fee charges. Please be advised that when customers are one day late DFS will charge a late fee charge to the customers Dell Preferred Account. Ms. [redacted] would need to reference the section of her credit agreement titled Charges. Charges: 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 statement. DFS records indicate that all fees assessed to Ms. [redacted]’ account have been assessed in accordance with the agreed upon terms and conditions of the Dell Preferred Account. Ms. [redacted] was offered a $50.00 late fee credit as a courtesy when she contacted customer service on October 05, 2015, but she declined it at the time. Please note that we have now honored this waiver. As of the date of this letter, Ms. [redacted]’ Dell Preferred Account balance is $2741.33. Please keep in mind that because interest accrues on her account daily she may have additional interest charges assessed on her next regular statement. Regarding Ms. [redacted]’ contention that she did not receive a due date change per her request, please note that DFS records indicate that she was advised that a due date change was not possible until her account was brought current. Ms. [redacted]’ DPA is currently past due in the amount of $20.00. Once Ms. [redacted] brings her account current she may contact customer service at ###-###-#### and request a due date change. We hope this letter explains and resolves this matter. Please do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely, [redacted] Executive Services Dell Financial Services
Please see the attached response. Dear Revdex.com Representative: We are in receipt of the follow-up complaint from [redacted]. Please understand that a charge-off is the declaration that an amount of debt is unlikely to be collected. This occurs within Dell Financial Services (“DFS”) when an account becomes 180 days delinquent, at which point the remaining account balance is charged-off, which in this case was $979.76. Prior to his Dell Preferred Account (“DPA”) being charged-off Mr. [redacted] last made a payment on January 12, 2016. Although he did make a payment for the full remaining DPA balance after the charge-off occurred, the charge-off remains. We are however, as previously stated, reporting that the account is now paid in full. We hope this letter further explains and resolves this matter. Please do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely, [redacted] Executive Services Dell Financial Services
Please see the attached response. Dear Madam or Sir: We are in receipt of the follow-up complaint from [redacted], originally addressed to the Revdex.com and forwarded to Dell Financial Services (“DFS”) electronically through the online Revdex.com portal on February 28, 2017. In the complaint Ms. [redacted] states the following: ? She has now made a payment for the remainder of her Dell Preferred Account (“DPA”) balance but she does not agree with our previous response. ? She never received an offer to lower her APR. ? She would like a list of purchases as she does not recall purchasing 14 items from Dell. ? She would like to see the dates billing statements were mailed to her. ? She would like her DPA closed. Please note that Ms. [redacted]’s new APR of 27.74% took effect on February 25, 2017, which was the first day of her current billing cycle. As her recent billing statement, dated February 24, 2017, was for the prior billing cycle, it still reflected her APR of 29.99%. Ms. [redacted]’s March 24, 2017 billing statement will reflect her new APR. Please note that this information will be on the next billing statement but there was no seperate communication regarding the APR decrease. Please understand that Ms. [redacted]’s billing statements are generated each month on the 24th and mailed within 2 days, with a payment due date of the 19th of the following month. If Ms. [redacted] is not receiving her mail timely we suggest she inquire within her local post office. DFS received Ms. [redacted]’s payment of $424.11 on February 27, 2017. This was 3 days after her new billing cycle began and interest charges were assessed to her DPA in the amount of $13.72. We have waived these as a courtesy, bringing the DPA balance to $0. This will be reflected on her March billing statement. Additionally, we have also closed Ms. [redacted]’s DPA per her request. Furthermore please find the attached transaction history which includes all transactions over the life of Ms. [redacted]’s DPA, including the 14 purchases. We hope this letter helps explain and resolve this matter. Please do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely, [redacted] Executive Services Dell Financial Services
Complaint: [redacted]
I am rejecting this response because:This is a blantant lie by [redacted]. Dell has never contacted me. I reached out to her when she sent me a message. Her English was not great and did not do anything to help. She sent me a email later on that day and told me that [redacted] who took my quote back in November to go ahead and place my order. [redacted] advised me there was nothing he can do because no line of credit was established yet. [redacted] was going to have someone reach out to me but that has not happen yet.
Regards,
[redacted]
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 $134.00 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 59 year old person who has an outstanding credit history, not make a $134.00 payment to Dell Financial Services, month after month, after month?
Why would I not make this tiny little $134.00 payment, and risk damage to my credit score!
WHY ??????
I keep many notes and chats with Dell Chat. I was told I could make one payment. It 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 expense. The Dell Chat Rep. said he could offer me a much better deal if I set up an account with Dell Financial Services. So 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 agreement. I never read any of the DFS mailings because they were going to my business shipping address mailbox where the Area51 computer was shipped. DFS 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 payment. These DFS mailings were going in to a box with all the other junk mail that is received at the 6571 E mailbox. If I had been told that there would be a minimum monthly payment I would have just paid off the amount in full. In the least, I would have given DFS my PO BOX number to mail these payment mailings.
1. DFS says they called me many times.
FALSE!!!
My DFS Profile has three numbers listed.
[redacted].
[redacted] number was to a cell phone that I reported stolen and this number was locked.
[redacted] number, I have no idea where that one came from or how it got on my account.
[redacted] number is my personal cell number. This is the one I gave to DFS when setting up the account. I received no voicemail messages from DFS, nor any calls to my knowledge. I don't answer calls if caller ID does not identify the caller. These calls would have went to my voicemail. Once 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 immediately. Had Dell Financial Service done so, I would have paid the full amount off, and been done with it.
2. When talking to the DFS representative in an attempt to try to find out:
WHY a 20 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 $134.00 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 me. I 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 owed. I told them at the time, that I had never been told by ANYONE, that there was a minimum monthly payment due. DFS/[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 Dell. For 20-25 years now I have only bought Dell computers. I have always paid off the amount owed Dell in full. Only 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 account. It 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 70 times at my personal cell [redacted], which was given to the DFS representative when I set up my account and is listed on my DFS profile. So when Dell Financial Services said they called so many times, WHO, were they calling? We know the [redacted] number is not valid. The [redacted] cell was locked! So only my personal cell phone is left ([redacted]) to call. I 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 $134.00 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 Services. Revdex.com is my last hope for this to be resolved amicably.
Dell Financial Services need only remove "LATE PAYMENT" report filed against my credit report. Its 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, 70 times I believe they say their records show!!! To my knowledge, not one call or voicemail was left on my personal cell ([redacted]). [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 accumulated. Yet each and every time I called Dell Financial Services, they asked me to verify who I was by my email address. Yet 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 payments. Dell Financial Services believes their mailings (that I never read), constitute my agreement to their minimum monthly payments. Once again, I totally reject this premise. I 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 $134.00 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]
Complaint: [redacted]
I am rejecting this response because: I submitted checking account bank statements showing payments in excess of $400. I'd be happy to resend them or post them here, if needed.
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.
Regards,
[redacted]
Complaint: [redacted]
I am rejecting this response because:
I did not authorize 13 transactions as I haven't spoken with an agent 13 times. The business is lying and was harassing calling upwards of 10 times daily trying to collect $59 in NSF fees. I'd like see the call logs for 13 separate authorizations. Until they remove all the NSF fees charged to me and give me a proper total I do not accept the response.
Regards,
[redacted]
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 2013. So the tablet and all corespondences from Dell were not to that address. The address on [redacted] was from January 2013 to June 2015. 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 payments. All 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 mistakes. It's funny that conveniently enough my tablet was delivered to me but bills suddenly ceased.
Regards,
[redacted]
please see the attached response.
Complaint: [redacted]
I am rejecting this response because:
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 his complaint Mr. [redacted] expresses concern regarding the outstanding balance on his Dell...
Preferred Account (“DPA”). Mr. [redacted] states he would like a buyout for less than the full remaining balance. Dell Financial Services (“DFS”) records indicate on July 29, 2005, Mr. [redacted] applied and was approved for a Dell Preferred Account with a credit limit of $1500.00 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 Mr. [redacted] accepted the terms of the credit agreement. Additionally, the terms and conditions of Mr. [redacted]’s credit agreement were mailed to him within 48 hours of his approval for credit. The terms and conditions give the customer three (3) days to contact us to reject the credit agreement. Our records indicate Mr. [redacted] did not contact us to reject the DPA credit agreement. Please be advised at the time of the account opening Mr. [redacted] placed an order with Dell totaling $1322.94. Mr. [redacted] made ten additional purchases between November 2005 and September 2009 totaling $2738.56. Please note 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, whether additional purchases are made, or whether fees are assessed. The customer can reduce the account balance faster by making payments larger than the minimum amount due. After reviewing Mr. [redacted]’s payment history, DFS finds his minimum monthly payment amount was received late on fifty-seven occasions, totaling $1946 in late fee charges. Please be advised when customers are one day late DFS will charge a late fee charge to the customers Dell Preferred Account. Please reference the section of the terms and conditions titled Charges. Charges: 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 statement. Please understand all fees assessed to Mr. [redacted]’s account have been assessed in accordance with the agreed upon Terms and Conditions of the Dell Preferred Account. As of the date of this letter Mr. [redacted]’s DPA balance is $1074.28. Please keep in mind because interest accrues on his account daily he may have additional interest charges assessed on his next regular statement. In regard to Mr. [redacted]’s statement he requested a buyout on numerous occasions, please note records indicate he called customer service on March 10, 2016 and inquired about a possible settlement. This is the first record of Mr. [redacted] making this type of request. At that time a case was opened for a member of our collections team to call Mr. [redacted] back and discuss any Page 2 possible options. A callback was made later that day and the agent advised Mr. [redacted] he did not qualify for a settlement at that time. Please note at the time of his request his account was only sixteen days past due and DFS does not offer settlements on accounts less than 30 days past due. There is no record of any other contacts from Mr. [redacted] in regard to a buyout. Furthermore there is no record of him being placed on hold for 20 minutes. At this time as Mr. [redacted]’s DPA is now 74 days past due, DFS is willing to offer him a settlement in the amount of $859.43, which equates to 80% of his remaining balance. If Mr. [redacted] would like to accept this offer he may contact Collections at ###-###-#### and make the settlement payment. Should Mr. [redacted] accept the settlement agreement DFS will charge off his remaining account balance and submit an update to the credit bureaus to report his DFS tradeline as settled in full for less than the full balance and charged off. Please note, while DFS reports to the credit agencies, the credit report is the sole property of the agency generating the report. Currently, DFS submits account information to Experian, Equifax, TransUnion and Innovis. If Mr. [redacted] should have any questions regarding his credit report he will need to contact Experian at [redacted]-[redacted]-[redacted], Equifax at ###-###-####, TransUnion at ###-###-####, Innovis at ###-###-#### or at the phone number on his credit report. We hope this letter explains and resolves this matter. Please do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely, [redacted] Executive Services Dell Financial Services
Please see the attached response.Dear Madam or Sir: We are in receipt of a complaint from [redacted], originally addressed to the Revdex.com. The complaint was sent to Dell Financial Services (“DFS”) electronically through the online Revdex.com portal on July 7, 2017. In the...
complaint Mr. [redacted] states the following: ? He purchased a refurbished laptop from DFS and was sent a 180 watt power adapter instead of the 240 watt adapter that was listed in the product specifications. ? He contacted DFS and was advised that he would receive the correct power adapter within a week. ? He contacted DFS two more times including on July 5, 2017 and was not given an estimate regarding when the item would ship. Furthermore the agent he spoke with acted in a rude and unprofessional manner. DFS records indicate that due to human error Mr. [redacted] was shipped the incorrect power adapter with his recent laptop purchase. Mr. [redacted] initially contacted DFS on June 26, 2017 regarding the incorrect power adapter and a parts order was created to ship him the correct one. Unfortunately due to an inventory issue the order did not ship until July 13, 2017. The power adapter is scheduled to be delivered on July 17, 2017. We apologize if the service Mr. [redacted] received upon his contacts with DFS were less than satisfactory. While we realize that only our future service opportunities can restore his confidence in us completely, we want to assure Mr. [redacted] that his experience was unusual. We strive to provide our customers with friendly and efficient service, and hope that any future service opportunities result in his complete satisfaction. We must respectfully decline Mr. [redacted]’s request for compensation. We hope this letter helps explain and resolve this matter. Please do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely, [redacted] Executive Services Dell Financial Services
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 that she paid her Dell Preferred Account (“DPA”) balance in full...
however she received a late fee charge. Ms. [redacted] states that she paid this late fee charge however she was assessed compounding late fee charges totaling $75. She states she has been receiving phone calls regarding her balance, and that her account has been reported negatively to the credit bureaus. Dell Financial Services (“DFS”) records indicate that on August 23, 2015 Ms. [redacted] applied and was approved for a Dell Preferred Account with a credit limit of $5000.00 and a corresponding APR of 19.99%. 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 that Ms. [redacted] accepted the terms of the credit agreement. Additionally, the terms and conditions of Ms. [redacted]’ 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 that Ms. [redacted] did not contact us to reject the DPA credit agreement. Please be advised that at the time the account was opened Ms. [redacted] placed an equipment order with Dell for computer equipment totaling $1280.17. This purchase was qualified for a promotional financing feature of no interest, if paid in full within twelve (12) months. In order to avoid interest charges, the Total Dell Order amount was to have been received on or before September 4, 2016. Records indicate that Ms. [redacted] made a payment of $990.17 on January 13, 2016, which would have paid her remaining DPA balance in full had it been received by her January 4, 2016 due date as reflected on her December 2015 billing statement. Because payment was not received by her due date a late fee charge was assessed to her DPA in the amount of $30. Ms. [redacted] made a payment to DFS for the $30 balance on March 8, 2016, however because it was not received by the March 4, 2016 due date as reflected on her February billing statement another late fee charge was assessed, this time in the amount of $20. No further payments were received by Ms. [redacted] until June 14, 2016 therefore two additional late fees were assessed in the amounts of $20 in April and $35 in May. On June 14, 2016 Ms. [redacted] made a payment of $40 while a $35 late fee charge was waived as a courtesy. Please be advised that when customers are one day late DFS will charge a late fee charge to the customers Dell Preferred Account. Please reference the section of the DPA terms and conditions titled Charges. Charges: 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 statement. All fees assessed to Ms. [redacted]’ account have been assessed in accordance with the agreed upon terms and conditions of the Dell Preferred Account, therefore we must respectfully Page 2 decline to refund the $40 she paid in late fee charges. Furthermore DFS must respectfully decline to remove any negative credit reporting as DFS must comply with the provisions of FCRA and the amendments as outlined by FACTA. FCRA requires that creditors accurately report a customer’s credit history and prohibits creditors from reporting information they know to be inaccurate. While DFS reports to the credit agencies, the credit report is the sole property of the agency generating the report. Currently, DFS submits account information to Experian, Equifax, TransUnion and Innovis. If Ms. [redacted] should have any questions regarding her credit report she will need to contact Experian at ###-###-####, Equifax at ###-###-####, TransUnion at 800-916-8800, Innovis at ###-###-#### or at the phone number on her credit report. With regard to Ms. [redacted]’ comments of phone calls being made to her in reference to the past due amount on her DPA, please understand DFS reserves the right to contact a customer if the monthly minimum payment is not made in full by the applicable due date. We hope this letter explains and resolves this matter. Please do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely, [redacted] Executive Services Dell Financial Services
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
Complaint: [redacted]
I am rejecting this response because: Because Dell had my correct address in PA. They decided to take it upon themselves, citing research to change my address without my authorization. Dell is the one who failed to contact and confirm the correct billing address, if they were concern with the address. Again Dell is negligent in there actions and in their response and is claiming it is the fault of the customer, when in fact the customer was not. As evidence shows and it can be held presentable in court, that Dell did in fact have the correct address from the beginning, and fraudulently changed the customers address claiming they did their own research. That researched proved to be invalid, void, and fraudulent. Dell needs to clarify this matter, that is not acceptable.
Regards,
[redacted]
This does not tell me anything. All it says is DELL purchase. I need to know what was purchased as there is no way I purchased 14 items from DELL. I need a list of all items.
Thank you,
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 that his online Dell Financial Services (“DFS”) profile is...
locked each month, requiring him to reset his password or contact customer service. We regret any inconvenience Mr. [redacted] may have experienced as a result of this issue. Records indicate that Mr. [redacted]’s online DFS profile was first hard-locked on June 30, 2015 when the security questions that he set up on his profile were answered incorrectly. Please note that once an online DFS profile is hard-locked DFS must speak with the customer by phone in order to unlock it. Mr. [redacted] called customer service on July 09, 2015 and received assistance in unlocking his online profile. Twice on August 06, 2015 and once on September 05, 2015 Mr. [redacted]’s online DFS profile was soft-locked when he failed to enter the correct password. A password reset email was then sent to him on each occasion, allowing him to reset his password and log in. Mr. [redacted]’s online profile is currently unlocked. Please be advised that there is no issue with our server communicating with Apple computers. There is also no record of any system maintenance that would have prevented Mr. [redacted] from logging in to his online profile during the dates in which his profile was locked, and we have no record of Mr. [redacted] being told otherwise. There is however record of customer service recommending that Mr. [redacted] register his device, which would help with the log in process. Please understand that all fees assessed to Mr. [redacted]’s account have been assessed in accordance with the agreed upon Terms and Conditions of the Dell Preferred Account, therefore we must respectfully decline any further late fee waivers. DFS previously waived his July late fee as a one-time courtesy. As of the date of this letter, Mr. [redacted]’s account balance is $1685.00. Please be advised that Dell Financial Services (“DFS”) has not reported any negative information to the credit agencies regarding Mr. [redacted]’s DPA. However, if he should have any questions regarding his credit report, he may contact Experian at ###-###-####, Equifax at [redacted] , TransUnion at ###-###-####, Innovis at ###-###-#### or at the phone number on his credit report. We hope this letter explains and resolves this matter. Please do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely, [redacted] Executive Services Dell Financial Services
Please see the attached response. Dear Revdex.com Representative: We are in receipt of a complaint from [redacted], originally addressed to the Revdex.com. In her complaint Ms. [redacted] states that she contacted Dell Financial Services (“DFS”) and was denied...
an Annual Percentage Rate (APR) reduction on her Dell Preferred Account (“DPA”). Ms. [redacted] also states that she was only offered a $50.00 late fee credit, and that she was not provided a due date change upon her request. Dell Financial Services (“DFS”) records indicate that Ms. [redacted]’ Dell Preferred Account was opened on July 18, 2013. Ms. [redacted] applied and was qualified for a Dell Preferred Account with a credit limit of $3000.00 and an APR of 25.99%. After applying for the Dell Preferred account and upon approval Ms. [redacted] was advised that she was approved for the Dell Preferred Account. She was then disclosed the credit limit and APR for which she qualified. Additionally, Ms. [redacted] was mailed her “Welcome Packet”, which included the terms and conditions of her Dell Preferred Account including the Annual Percentage Rate, within 48 hours of the credit approval. Please understand that the account’s interest rate is based on the applicant’s creditworthiness as determined by our credit scoring model at the time the application is reviewed. Although interest rates are variable and may fluctuate over time based on the Prime Rate, we do not offer interest rate reductions. After reviewing Ms. [redacted]’ payment history, DFS finds that her minimum monthly payment amount is due on the 1st of each month, however was received on the 2nd or later on twenty-five (25) occasions, totaling $1825.00 in late fee charges. Please be advised that when customers are one day late DFS will charge a late fee charge to the customers Dell Preferred Account. Ms. [redacted] would need to reference the section of her credit agreement titled Charges. Charges: 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 statement. DFS records indicate that all fees assessed to Ms. [redacted]’ account have been assessed in accordance with the agreed upon terms and conditions of the Dell Preferred Account. Ms. [redacted] was offered a $50.00 late fee credit as a courtesy when she contacted customer service on October 05, 2015, but she declined it at the time. Please note that we have now honored this waiver. As of the date of this letter, Ms. [redacted]’ Dell Preferred Account balance is $2741.33. Please keep in mind that because interest accrues on her account daily she may have additional interest charges assessed on her next regular statement. Regarding Ms. [redacted]’ contention that she did not receive a due date change per her request, please note that DFS records indicate that she was advised that a due date change was not possible until her account was brought current. Ms. [redacted]’ DPA is currently past due in the amount of $20.00. Once Ms. [redacted] brings her account current she may contact customer service at ###-###-#### and request a due date change. We hope this letter explains and resolves this matter. Please do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely, [redacted] Executive Services Dell Financial Services
Please see the attached response. Dear Revdex.com Representative: We are in receipt of the follow-up complaint from [redacted]. Please understand that a charge-off is the declaration that an amount of debt is unlikely to be collected. This occurs within Dell Financial Services (“DFS”) when an account becomes 180 days delinquent, at which point the remaining account balance is charged-off, which in this case was $979.76. Prior to his Dell Preferred Account (“DPA”) being charged-off Mr. [redacted] last made a payment on January 12, 2016. Although he did make a payment for the full remaining DPA balance after the charge-off occurred, the charge-off remains. We are however, as previously stated, reporting that the account is now paid in full. We hope this letter further explains and resolves this matter. Please do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely, [redacted] Executive Services Dell Financial Services
Please see the attached response. Dear Madam or Sir: We are in receipt of the follow-up complaint from [redacted], originally addressed to the Revdex.com and forwarded to Dell Financial Services (“DFS”) electronically through the online Revdex.com portal on February 28, 2017. In the complaint Ms. [redacted] states the following: ? She has now made a payment for the remainder of her Dell Preferred Account (“DPA”) balance but she does not agree with our previous response. ? She never received an offer to lower her APR. ? She would like a list of purchases as she does not recall purchasing 14 items from Dell. ? She would like to see the dates billing statements were mailed to her. ? She would like her DPA closed. Please note that Ms. [redacted]’s new APR of 27.74% took effect on February 25, 2017, which was the first day of her current billing cycle. As her recent billing statement, dated February 24, 2017, was for the prior billing cycle, it still reflected her APR of 29.99%. Ms. [redacted]’s March 24, 2017 billing statement will reflect her new APR. Please note that this information will be on the next billing statement but there was no seperate communication regarding the APR decrease. Please understand that Ms. [redacted]’s billing statements are generated each month on the 24th and mailed within 2 days, with a payment due date of the 19th of the following month. If Ms. [redacted] is not receiving her mail timely we suggest she inquire within her local post office. DFS received Ms. [redacted]’s payment of $424.11 on February 27, 2017. This was 3 days after her new billing cycle began and interest charges were assessed to her DPA in the amount of $13.72. We have waived these as a courtesy, bringing the DPA balance to $0. This will be reflected on her March billing statement. Additionally, we have also closed Ms. [redacted]’s DPA per her request. Furthermore please find the attached transaction history which includes all transactions over the life of Ms. [redacted]’s DPA, including the 14 purchases. We hope this letter helps explain and resolve this matter. Please do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely, [redacted] Executive Services Dell Financial Services
Complaint: [redacted]
I am rejecting this response because:This is a blantant lie by [redacted]. Dell has never contacted me. I reached out to her when she sent me a message. Her English was not great and did not do anything to help. She sent me a email later on that day and told me that [redacted] who took my quote back in November to go ahead and place my order. [redacted] advised me there was nothing he can do because no line of credit was established yet. [redacted] was going to have someone reach out to me but that has not happen yet.
Regards,
[redacted]
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 $134.00 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 59 year old person who has an outstanding credit history, not make a $134.00 payment to Dell Financial Services, month after month, after month?
Why would I not make this tiny little $134.00 payment, and risk damage to my credit score!
WHY ??????
I keep many notes and chats with Dell Chat. I was told I could make one payment. It 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 expense. The Dell Chat Rep. said he could offer me a much better deal if I set up an account with Dell Financial Services. So 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 agreement. I never read any of the DFS mailings because they were going to my business shipping address mailbox where the Area51 computer was shipped. DFS 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 payment. These DFS mailings were going in to a box with all the other junk mail that is received at the 6571 E mailbox. If I had been told that there would be a minimum monthly payment I would have just paid off the amount in full. In the least, I would have given DFS my PO BOX number to mail these payment mailings.
1. DFS says they called me many times.
FALSE!!!
My DFS Profile has three numbers listed.
[redacted].
[redacted] number was to a cell phone that I reported stolen and this number was locked.
[redacted] number, I have no idea where that one came from or how it got on my account.
[redacted] number is my personal cell number. This is the one I gave to DFS when setting up the account. I received no voicemail messages from DFS, nor any calls to my knowledge. I don't answer calls if caller ID does not identify the caller. These calls would have went to my voicemail. Once 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 immediately. Had Dell Financial Service done so, I would have paid the full amount off, and been done with it.
2. When talking to the DFS representative in an attempt to try to find out:
WHY a 20 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 $134.00 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 me. I 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 owed. I told them at the time, that I had never been told by ANYONE, that there was a minimum monthly payment due. DFS/[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 Dell. For 20-25 years now I have only bought Dell computers. I have always paid off the amount owed Dell in full. Only 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 account. It 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 70 times at my personal cell [redacted], which was given to the DFS representative when I set up my account and is listed on my DFS profile. So when Dell Financial Services said they called so many times, WHO, were they calling? We know the [redacted] number is not valid. The [redacted] cell was locked! So only my personal cell phone is left ([redacted]) to call. I 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 $134.00 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 Services. Revdex.com is my last hope for this to be resolved amicably.
Dell Financial Services need only remove "LATE PAYMENT" report filed against my credit report. Its 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, 70 times I believe they say their records show!!! To my knowledge, not one call or voicemail was left on my personal cell ([redacted]). [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 accumulated. Yet each and every time I called Dell Financial Services, they asked me to verify who I was by my email address. Yet 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 payments. Dell Financial Services believes their mailings (that I never read), constitute my agreement to their minimum monthly payments. Once again, I totally reject this premise. I 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 $134.00 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]
Complaint: [redacted]
I am rejecting this response because: I submitted checking account bank statements showing payments in excess of $400. I'd be happy to resend them or post them here, if needed.
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.
Regards,
[redacted]
Complaint: [redacted]
I am rejecting this response because:
I did not authorize 13 transactions as I haven't spoken with an agent 13 times. The business is lying and was harassing calling upwards of 10 times daily trying to collect $59 in NSF fees. I'd like see the call logs for 13 separate authorizations. Until they remove all the NSF fees charged to me and give me a proper total I do not accept the response.
Regards,
[redacted]