Complaint: ***
I am rejecting this response because I contacted the collections department twice this week to settle the debt for amount provided and was turned down both timesInitially, I called on Tuesday, 7/5/16, and was told that I could not pay the settlement amount with a credit cardWith that information, I told the agent I would call back Thursday 7/7/or Friday 7/8/to pay with bank fundsWhen I called today, 7/8/16, I was told the account had been sold to a collection agency, Portfolio Associates, and the offer was not longer available through Dell
And to be sure -- I am not paying to settle this account because I agree with your legal analysisJust because I signed the note, does not mean that Dell has not engaged in deceptive trade practices or unconsionsable conductI am trying to all I can to increase my credit score so that I can buy a home that will allow me to take in my ailing fatherSo even when I finally raise the money for the settlement offered and try twice to make the payment (despite my utter disdain for Dell and my preference to head up a class action lawsuit), I am turned awayAnother great example of the outstanding customer service I've received while a Dell customer
*** ***
:
Regards,
*** ***
Complaint: ***
I am rejecting this response because:Dell is doing nothing to help me in this matterAlso I'm a amazon corporate employee, and I did not recieved my amazon corporate discount for my Dell preferred account
My Discount Member ID Code: ***It's sad, I have been a customer of Dell through myself and family recommended them to many of my customers as I work in ITAfter this is won't be making any more purchases nor recommend to anyone else
Regards,
*** ***
Please see the attached responseDear Revdex.com Representative: We are in receipt of a complaint from *** ***, originally addressed to the RevDex.comIn their complaint the customer states that they have not yet received a call back regarding their
account being overcharged on their last purchaseThey also state that their attempted payment to their Dell Preferred Account (“DPA”) was not processed. Dell Financial Services (“DFS”) records indicate that *** *** attempted to make an online payment to their DPA on May 27, however it was returned by their financial institution due to “Invalid Account”The customer called DFS on June 6, and attempted to make the payment by phone but again the payment was returned due to the banking information providedPlease note that on June 13, *** *** logged into their online profile and successfully made a $payment to the DPA. Please be advised that the charge *** *** describes in their complaint incorrectly posted to their DPA for $335.16, instead of $*** *** contacted DFS on May 30, regarding this charge and on June 8, a credit for $was processed and the correct amount of $was posted to the DPAPlease note that the customer spoke with customer service on June 13, and was advised that the adjustment had been madeWe regret any inconvenience that this error may have caused to the customer. We hope this letter helps explain and resolve this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationFurthermore if the customer would still like to discuss this matter by phone they can contact me directly at the below phone number. Sincerely, *** *** Executive Services Dell Financial Services P: ###-###-####
Dear Revdex.com,
Thank you for the opportunity to address the correspondence submitted by Ms*** ***A Dell representative recently contacted Ms*** regarding her concerns. The representative sent her an e-mail advising her to review the
following links: ***
***
Our representative may be contacted directly by e-mail at ***@Dell.com, in case Ms*** has any further concerns regarding this case
Sincerely,
Executive Support Team
Incident ID: ***
Dell Inc
Please see the attached response Dear Revdex.com Representative: We are in receipt of a complaint from *** ***, originally addressed to the RevDex.comIn his complaint Mr*** expresses concern regarding the outstanding balance of his
Dell Preferred Account (“DPA”). Dell Financial Services (“DFS”) records indicate that on March 16, Mr*** 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*** at the time his application for credit was approvedOur records indicate that Mr*** accepted the terms of the credit agreementAdditionally, the terms and conditions of Mr***’s credit agreement were mailed to him within hours of his approval for creditThe terms and conditions give the customer three (3) days to contact us to reject the credit agreementOur records indicate that Mr*** did not contact us to reject the DPA credit agreement. Please be advised that at the time of the account opening Mr*** placed an order with Dell totaling $Mr*** then made several additional purchases between July and December totaling $364.68. Please note that the Dell Preferred Account is an open end account so when the account will be paid in full depends upon factors such as whether and how often excess payments are made and whether additional purchases are made, or fees assessedThe customer can reduce the account balance faster by making payments larger than the minimum amount due. Please refer to the Payment Information section of your billing statement under Minimum Payment Warning: “If you make only the minimum payment each period, you will pay more interest and it will take longer to pay off your balance.” After reviewing Mr***’s payment history, DFS finds that his minimum monthly payment amount was received late on ten (10) occasions, totaling $in late fee chargesPlease be advised that when customers are one day late DFS will charge a late fee charge to the customers Dell Preferred AccountPlease reference the section of the terms and conditions titled 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 that all fees assessed to Mr***’s account have been assessed in accordance with the agreed upon Terms and Conditions of the Dell Preferred Account, however, in the interest of customer satisfaction we have waived $in interest charges that have been assessedAs of the date of this letter Mr***’s DPA balance is $Please keep in mind that because interest accrues on his account daily he may have additional interest charges assessed on his next regular statement. Page 2 Records indicate that on October 22, Mr*** contacted DFS customer care and requested a settlementHe was then referred to the Collection agency assigned to his account to discuss his payment options which may include a settlement offerThere is no record of Mr. *** speaking with Collections and asking for a settlementPlease note that we have reached out to Collections on Mr***’s behalf and requested a settlement offer at this timeCollections provided an offer to settle Mr***’s account for 80% of the account balance, which would be This settlement offer may be paid in three installments of $397.43, due on January 1, February and March 2, If Mr*** decides to accept our settlement offer DFS will charge-off the remaining balance on his account and report to the credit bureaus as paid in full for less than the full balance and charged-off. We hope this letter explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely, *** *** Executive Services Dell Financial Services
Please see the attached responseDear Revdex.com Representative: We are in receipt of a complaint from *** ***, originally addressed to the RevDex.comIn her complaint, Ms*** states that a Dell Business Credit Account (“DBC”) was fraudulently
opened in her business’ name by a former employee. We regret any frustration Ms*** feels she has experienced as a result of this issueDell Financial Services (“DFS”) records indicate that a DBC Account was opened in *** *** ***’s name on April 01, DFS maintains policies and procedures to detect and prevent fraud and identity theftThese policies and procedures are in compliance with applicable federal and state laws, and are consistent with the standards of the consumer finance industryPlease note that there was no fraud suspected at the time the account was opened. At the time the account was opened there were a total of five (5) purchases made, totaling $Records indicate that someone from *** *** *** first contacted DFS in regards to possible fraudulent activity on the account on July 24, At that time DFS mailed a letter to *** *** *** with an enclosed fraud affidavit, requesting it be filled out and returned along with a police reportDFS had not received the required documents when on July 30, Ms*** called and spoke to a member of our Fraud teamAt that time Ms*** advised that she didn’t know if she wanted to file charges against the suspectShe was advised that she would need to file charges in order to proceed with the fraud claim and was advised that if she decided to file charges in the future then she may re-submit her fraud claim at that timeThe fraud claim was rejected as a civil dispute and a letter was mailed to the business that day to advise of the denied fraud claim. Please note that DFS has no record of any other phone calls from Ms*** regarding her fraud claim prior to her filing the complaint through your officeThe only email DFS received from Ms*** regarding this issue was received on August 11, Ms*** did not receive an email response to her email due to the pending Revdex.com complaint as her concerns would be addressed through the Revdex.com. Upon receipt of this complaint our Fraud team reached out to Ms*** once again and was advised that she decided to file a fraud claimThe Fraud investigator contacted the *** Sheriff’s office and verified Ms***’s fraud claimAt that point DFS accepted Ms. ***’s fraud claim and advised her to send the equipment back to usAs of August 27, 2015 DFS received the equipment and charged-off the DBC account for *** *** *** due to fraud. Please be advised that we have submitted an update to the credit reporting agencies to delete the tradeline due to fraudPlease allow 30-days for the update to be reflected on *** *** ***’s credit reportWhile DFS reports to the credit agencies, the credit report is the sole property of the agency generating the reportCurrently DFS submits account information to Experian, Equifax, Dunn & Bradstreet and Paynet each monthIf Ms*** should have any questions regarding *** *** ***’s credit report, she will need to contact the agency that owns the report. We hope this letter explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely, *** *** Executive Services Dell Financial Services
Please see the attached response. Dear Madam or Sir: We are in receipt of the complaint from *** ***, originally addressed to the RevDex.com and forwarded to Dell Financial Services (“DFS”) electronically through the online Revdex.com portal on March 15, 2017. In
the complaint Mr*** states the following: ? He was a victim of identity theft in November which resulted in a credit inquiry on his credit report he did not recognize. ? He states after reaching out to DFS multiple times this issue remains and he has only received letters stating an investigation was completed and we could not verify his claim. Please be advised that a credit application was received in Mr***’s name on December 4, 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 industry. Please note that the December 4th application was referred for further verification and a letter was mailed to Mr*** asking that he contact DFS within days in order to verify the submitted information and complete the applicationMr*** did not contact us to complete the application therefore the application was declined for incompletenessWe have now submitted a request to Experian to delete the inquiry from Mr***’s credit report based on his contention that he did not submit the inquiryPlease allow 30-days for the adjustment to be made to his credit report. In reference to the account number provided in Mr***’s complaint, please note this account does not belong to Mr*** and is not reflecting on his credit reportWe apologize for any confusion that led to lengthy phone calls and added frustration while Mr*** attempted to resolve this issue. We hope this letter explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely, *** *** Executive Services Dell Financial Services
Please see the attached response.Dear Madam or Sir: We are in receipt of a complaint from *** ***, originally addressed to the RevDex.comThe complaint was sent to Dell Financial Services (DFS) electronically through the online Revdex.com portal on October 2,
2017. In the complaint Ms*** states the following: ? She has paid over $1,towards her $laptop purchase from 2010. ? She states that her laptop has not worked since and that she called several times to try and resolve her issues but was not able to as she was told her laptop was out of warranty. ? She would like her account to be satisfied based on the payments she has made to date. She would also like the charge-off removed from her credit. DFS records indicate on April 17, Ms*** applied and was approved for a Dell Preferred Account (DPA) with a credit limit of $1,and a corresponding Annual Percentage Rate (APR) of 29.99%The terms of the credit agreement, including the APR, were disclosed to Ms*** at the time her application for credit was approvedOur records indicate Ms*** accepted the terms of the credit agreementAdditionally, the terms and conditions of Ms***’s credit agreement were mailed to her within hours of her approval for creditThe terms and conditions give the customer days to contact us to reject the credit agreementOur records indicate Ms*** did not contact us to reject the DPA credit agreement. At the time of the account opening Ms*** placed an order with Dell for computer equipment totaling $She then made an additional purchase in June totaling $26.23. Ms***’s April purchase 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 November 11, 2012. DFS received payment on November 8, in the amount of $24.00, however the remaining promotional plan balance as listed on her October billing statement was $As the entire promotional plan balance was not paid by the promotional expiration date, the promotional financing feature expired and billed deferred interest charges were assessed to Ms***’s DPA in the amount of $136.86. 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 Page 2 Due each Billing Period when due, no Interest Charges will be imposed on the purchase. If 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 time. Additionally, 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***’s referencePlease note the disclosure directly above the Transaction Detail Box: “NOTE: Interest accrues at your standard rate of 29.99% (variable) from purchase date. To avoid deferred interest, pay promotional balance in full by expiration date found in the interest charge calculation box belowWhen promo expires, interest will be imposed from purchase date at your standard rate of 29.99% (variable)Payments are applied to your total minimum payment due. After reviewing Ms***’s payment history, DFS finds that her minimum monthly payment amount was received late or was not received on occasions, totaling $1,in late fee chargesPlease be advised that when customers are one day late DFS will charge a late fee charge to the customers DPAPlease 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. Please note that the DPA is an open end account so when the account will be paid in full depends upon factors such as whether and how often excess payments are made and whether additional purchases are made, or fees assessedThe customer can reduce the account balance faster by making payments larger than the minimum amount due. Please refer to the Payment Information section of your billing statement under Minimum Payment Warning: “If you make only the minimum payment each period, you will pay more interest and it will take longer to pay off your balance.” All fees assessed to Ms***’s account have been assessed in accordance with the agreed upon Terms and Conditions of the DPA therefore we must respectfully decline to consider her account paid in fullAs of the date of this letter Ms***’s DPA has a balance of $1,The last payment received by Ms*** was on March 31, in the amount of $At the time of the March payment Ms***’s DPA balance was $1,Ms***’s DPA was closed due to delinquency on November 16, Her account is not charged-off as of today however it is days delinquent and would be charged-off if it reaches days in delinquencyThe total amount due in order to bring the account current is $by October 11, 2017. We are reporting Ms***’s DPA accurately to the credit bureaus as days delinquent and closed by credit grantorPlease note while DFS reports to the credit agencies, the credit report is the sole property of the agency generating the reportCurrently, DFS submits account information to Experian, Equifax, TransUnion and InnovisIf Ms*** 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 report. Regarding the technical support issues that Ms*** references; please understand that she is responsible for payment on her account regardless of any technical issues that she may have experiencedTechnical issues would need to be addressed by Dell customer careIf Ms*** Page 3 is still experiencing issues with her system and would like to have these addressed we ask that she call Dell customer care at ###-###-####. We 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 clarification. Sincerely, *** *** Executive Services Dell Financial Services
Complaint: ***
I am rejecting this response because: I was charged late fees after they increased the amount owed the amount owed was paid down over the course of several yearsI paid the same amount as prescribed by their web page on buying the products they offerI was shown the the amount I would need to pay per monthI paid that every month for yearsI did not incur late fees till you changed the amount due each month and ran the bill up doing soI called and closed my account with youYou were unfair in how you have treated me and I no longer wish to ever do business with you againTo tell a person buying a product that this is the amount they will have to pay each month till it is paid off then change that amount at will is terrible I am disabled years old on a limited incomeI called several times I was told a complaint was filedClearly that was also a lieI your billing office at least times trying to get this straightened outeach time you stated you would lodge my complaint and dispute and send me an answer in writingNothing ever arrivedI call again again you state you will lodge my complaint and I will receive an answer in writing all this time you are charging me fees because I paid you the amount owed each month and because you want more money then was agreed to I am late therefore more feesYou have run the bill up so high there is no way I can pay youYou know this and you simply do not care you would rather write this debt off for non payment than work out an agreementI have asked for an agreement times nothing. I would have gone on paying exactly what I owed you per month but you lied on the agreement and will not admit this. Your own web page is faulty as you have admitted that on the phone trying to make it seem that I caused the problemI carefully weigh each Item I purchase for the monthly payments your web page claims to do that and gives you the exact amount you must pay per monthThat is what I agreed toThen without warning after I am paying you whats owed each month you change itThat is an unfair practice and you should be fined for itYou have now damaged my credit and can be sued for that as well
Regards,
*** ***
Please see the attached response Dear Revdex.com Representative: We are in receipt of a complaint from *** ***, originally addressed to the RevDex.comIn her complaint Ms*** states that her Dell Preferred Account (“DPA”) was
mistakenly reported as closed twice this year, which impacted her credit score. Please be advised that Ms***’s DPA was never closed, however Dell Financial Services (“DFS”) has identified an issue in which some accounts were mistakenly reported to the credit agencies as closed in January and July Ms***’s DPA appears to have been one of the impacted accountsWe have since corrected the issue with the credit reporting and have verified that her account is reflected as open and current with all four (4) credit reporting agenciesPlease note that any negative impact this would have had on Ms***’s credit score would now be adjusted with the corrected reportingPlease note, while DFS reports to the credit agencies, the credit report is the sole property of the agency generating the reportCurrently, DFS submits account information to Experian, Equifax, TransUnion and InnovisIf Ms*** should have any questions regarding her credit report, she will need to contact Experian at ###-###-####, Equifax at ###-###-####, TransUnion at ###-###-####, Innovis at ###-###-#### or at the phone number on her credit report. We apologize for any inconvenience this matter may have caused to Ms***, and hope this letter explains and resolves itPlease do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely, *** *** Executive Services Dell Financial Services
Complaint: ***
I am rejecting this response because: DFS is wrong about statutory lawThe minimum payment warning must be displayed "prominently and conspicuously" on the billing statementWhen a company offers paperless billing and sends emails that a reasonable consumer would assume to be the billing statement and offers an online website with billing information, merely including a warning not in the emails or website but in a document that must be downloaded separately is insufficient to satisfy the legal requirementWhen a company operates in this manner, its warning regarding the minimum payment fails to be prominent and conspicuous, notwithstanding its appearance on some documentBy analogy, if a company produced a billing statement that was pages long and contained lots of extraneous information, a warning even if included in the document might fail to be conspicuousI reiterate that at no cost to itself DFS could have included some kind of warning in its monthly emails or on its website where the customer signs up for automatic paymentsThat it failed do so indicates strongly that it hopes to mislead customers into making payments they did not agree toDFS is a deceptive and fraudulent firm and I'm taking this issue to court.
Regards,
*** ***
Complaint: ***
I am rejecting this response because:
Dear Madam or Sir:
I am in receipt of the Dell response letter dated 06/20/(Revdex.com Case # ***) and I will again preface the following with the caveat that I am a year old man
that has always maintained a better than average credit so this issue and the resulting treatment I have gotten from the vendor is
something I find most disturbing and distasteful
I will endeavor in the hope of clarity to include excerpts from the Dell response letter in (italics and quoted ) with my response to each point."DFS records indicate that Mr*** enrolled in automatic payments on October 25, and chose to make a payment when the statement generated, not on the payment due date Mr***’s payment due date is the 17th of each monthPlease understand that when a customer enrolls in automatic payments or makes changes to a current automatic payment schedule they are advised that it takes a full billing cycle to take effectPlease reference the message customers are presented with when making a change to their automatic payment online" After arranging for credit and receiving my laptop my account ( #*** *** *** *** ***) was set up for payments starting 11/24/2015… a late fee was charged and after a call with a conversation with a Dell CSR the charge was reversed and date corrected by the same Dell CSR)I again bring this "mistake" back into this dialogue as noted in the response by DFS on 06/20/that clearly laid the blame on me for setting up my account with the incorrect due date which is untrue as a Dell CSR reviewed my account and set the date to the 23rd of each month, no mention was made at this time by Dell that any other date was needed
"All fees assessed to Mr***’s account have been assessed in accordance with the agreed upon Terms and Conditions of the DPA, however, we have honored the previous waiver that Mr*** was offered when he contacted customer service on November 28, of $of the deferred interest chargesWe must respectfully decline to waive the remainder of the chargesAs of the date of this letter Mr***’s DPA balance is $Please keep in mind because interest accrues daily on his account, he may have additional interest charges assessed on his next regular statement"I am most appreciative that you have honored the previous offer without my prompting but I am a bit confused with this statement after receiving the attached letter from Dell (attachment DFS Letter 1-17-17) that clearly states my account is in arrears of $with a minimum due of $40.00. "Regarding Mr***’s contention that his disputes went unanswered, please note that callbacks were made to him on November 25th and 28th, as promisedFurthermore an email response was sent to him on January 23, in response to his January 19, email asking that he provide the best phone number and time to call as his request involved sensitive informationNo response was received from Mr***There are no records of any other disputes from the customer""Please note that Collection efforts began on January 17, 2017, after Mr***’s payment was not received by his December 17, due dateDFS received payment on January 17, to bring Mr***’s account current however after payment was not received again by his February 17, payment due date calls started once againCollection calls continued until May 8, when Mr*** requested to no longer be contacted by phone and a cease and desist was placed on his accountDFS reserves the right to contact a customer if the monthly minimum payment is not made in full by the applicable due dateUpon review of the collection call records, it has been determined that all calls made to Mr*** with the intent to collect a debt were made within the guidelines of the applicable regulations around Collections practicesDFS strictly adheres to these guidelines at all times, in not only speaking to customers, but in making attempts to contact them as well"I do still contend that the only calls I received were for collection purposes only ...all records with DFS have always been kept current with my ONLY current and correct phone number, as I earlier stated I was getting calls days per week as late as 8PM on a Sunday eveningI stopped requesting (due to my job) that I cannot take personal calls during work hours but I would gladly speak to a representative regarding this dispute any time during the hours from 3PM MST to 6PM MST M-F ( business hours)Sadly, as phone records will show these were the only hours I did not receive any calls for collection purposes or otherwiseI would also like it noted when I requested that the phone calls cease I also requested at that point that any further communication be done in writing...to date, this is the contact made to that endI will also like to make note again to the attachment (DFS Letter 1-17-17) in direct response to ""Please note that Collection efforts began on January 17, 2017, after Mr***’s payment was not received by his December 17, due date"At this time would also like to take this opportunity to address the issue of my online payments not being processed and the subsequent damage that has resulted has been done to my credit by this issue that to date has neither been addressed by DFS or even mentioned other than to direct blame to me for "changing" my payment amountsI find it abhorrent that Dell has consistently used my credit standing as a bargaining chip to hold as a means to extract payment even though I had from the first instance both verbally and in writing to DFS have vehemently disputedI again respectfully request that Dell contact the credit bureaus on my behalf to begin the process of correcting this issue as we all realize that incredible damage has been done and no amount of contact I make with these agencies will make any difference without direct communication by DFS
Thank you for your time and consideration in
this matter
*** ***
*** *** ***
*** *** ***
###-###-####
Regards,
*** ***
Please see the attached letter and supporting documentation Dear Revdex.com Representative: We are in receipt of a complaint from *** *** originally addressed to the RevDex.comIn her complaint Ms*** states that she has not received proof of
her Dell Preferred Account (“DPA”) openingShe also states that she paid $on a $1500.00 computer and should not have a remaining balanceFurthermore Ms*** states that until recently this account was not reflected on her credit report. Dell Financial Services (“DFS”) records indicate that on August 09, Ms*** applied and was approved for a Dell Preferred Account with a credit limit of $and a corresponding APR of 28.24%The terms of the credit agreement, including the Annual Percentage Rate (APR), were disclosed to Ms*** at the time her application for credit was approvedOur records indicate that Ms*** accepted the terms of the credit agreementAdditionally, the terms and conditions of Ms***’s credit agreement were mailed to her within hours of her approval for creditThe terms and conditions give the customer three (3) days to contact us to reject the credit agreementOur records indicate that Ms*** did not contact us to reject the DPA credit agreement. At the time of the account opening Ms*** placed an order with Dell for computer equipment totaling $Records indicate that she made eighty-eight (88) payments for a total of $5957.00, the last payment being received on June 15, in the amount of $80.00. Her DPA was closed due to delinquency on September 07, 2014, and later charged-off on January 12, when the account became days delinquentThe balance at the time of charge-off was $2077.52, and is the remaining balance as of the date of this letter. Please note that the Dell Preferred Account is an open end account so when the account will be paid in full depends upon factors such as whether and how often excess payments are made and whether additional purchases are made, or fees assessedThe customer can reduce the account balance faster by making payments larger than the minimum amount due. All fees assessed to Ms***’s account have been assessed in accordance with the agreed upon terms and conditions of the Dell Preferred Account, and the remaining account balance is valid therefore we must respectfully decline her request to remove this account from her credit report. Please understand, 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 Innovis at the end of each monthDFS has reported out to the credit agencies regarding Ms***’s DPA since inception in August If Ms*** should have any questions regarding her credit report, she will need to contact Experian at ###-###-####, Equifax at ###-###-####, TransUnion at ###-###-####, Innovis at ###-###-#### or at the phone number on her credit report. Page 2 Please note that DFS has no record of Ms*** requesting proof of the account until she did so upon contacting Collections in July 2015, at which point a transaction history of the account was sent to herAt that time Ms*** also requested a settlement of the account, and a settlement in the amount of $was offered and acceptedA settlement letter was mailed to Ms*** at that time however she contacted Collections on August 25, 2015 stating that she didn’t receive it, then again on September 21stSettlement letters were mailed to her again with the last one being sent out on September 28, The settlement is for three payments of $due on October 16, November and December 16, Ms. ***’s DPA is currently assigned to Accounts Receivables Automated Solutions (ARAS)If she should have any further questions regarding her account, we ask that she contact ARAS at ***-***. Please see the attached copy of the DPA terms and conditions, Ms***’s Welcome packet, the last three billing statements prior to the account charging off and a detailed account history listing all purchases, payments and fees over the life of the account. We hope this letter explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely, *** *** Executive Services Dell Financial Services
Complaint: ***
I am rejecting this response because: This is a cut and paste response, I have indeed contacted the personnel listed about the matterWe spoke about 3weeks and they were unable to assist me, in fact they had no idea who any of these resolution specialist were that have been forwarding me along to themI have already replied to the person that directed me to speak to additional resolution specialists and made them aware of the fact that they sent me on essentially a 'dead-end route' and since that day they have been silentThis is not a current accounting of what has happened, I haven't heard from anyone in over 3weeksI simply want a new device because this one is corrupted
Regards,
*** ***
Please see the attached responseDear Revdex.com Representative: We are in receipt of a complaint from *** ***, originally addressed to the RevDex.comIn his complaint Mr*** states he set up a payment to come out on his due date, however it was
not withdrawn which led to a late fee charge. Dell Financial Services (“DFS”) records indicate Mr*** logged into his online profile on May 25, and scheduled a payment in the amount of $This payment was processed and posted to his DPA on May 26, As Mr***’ payment due date as reflected on his monthly billing statement was May 19, 2016, a late payment fee in the amount of $was assessed to his DPAWe have reviewed Mr***’ log in activity and found his previous log in was on April 23, 2016, when the payment prior to this one was made. Please understand when customers are one day late DFS will charge a late fee charge to the customers Dell Preferred AccountPlease reference the section of the terms and conditions titled 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 Mr***’ account have been assessed in accordance with the agreed upon Terms and Conditions of the Dell Preferred AccountHowever, in an effort to ensure customer satisfaction we have processed a late fee credit in the amount of $for the late fee that was assessed to his DPA on May 19, As of the date of this letter, Mr***’ account balance is $Please keep in mind because interest accrues on his account daily he may have additional interest charges assessed on his next regular statement. We hope this letter explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely, *** *** Executive Services Dell Financial Services
Complaint: ***
I am rejecting this response because:Dear Madam or Sir:
I apologize for the extra time it has taken to respond to the last mail
from from Mr*** but once again I am appalled that instead of wishing to
work through this issue the stance taken by Dell is to once again belittle and
accuse as has been done throughout this processIt is very obvious that Dell's
stance in regards to my raising a "dispute" has been to accuse me of
somehow manipulating my last payments to instead of taking the the amounts
offered but instead simply take the minimum payment, the next option was to
"offer" a 50% reduction of the interest fees for (to avoid having my
credit harmed which, to be honest is a form of extortion)Dell then progressed
to to unrelenting phone calls during hours that I had already explained were
not acceptable as I wished to have the opportunity to discuss while I was home
and had the benefit of having my records at handThis last mail from Mr
*** has crossed the line by simply accusing me as a liar as noted by the
inclusion taken directly from his response: "Please note that in our June 20, response
we advised that Mr*** set up automatic
payments on October 25, We stated that payments take a full billing
cycle to take effect
therefore no payment was withdrawn by the November 17, due date as
reflected on Mr.
***’s October billing statement, which resulted in a late fee
charge of $to his Dell
Preferred Account (“DPA”)Mr*** set up his automatic payments to
be withdrawn upon
his billing statement generating, therefore his payment was withdrawn on
November 24, 2015.
Please understand that the November late fee was not waived and that
Mr*** did
not contact DFS regarding this late feeThe first contact from Mr
*** was on November
25, We found no record of Mr*** being told his late fee would
be waived by a Dell
agent. " I ask the you look at the two attachments provided that show first a $late fee and the following month the fee is no longer shown and it can easily be noted that this "fee" was applied directly to my balanceThis, I think we can all agree would not happen unless the "fee" had been droppedPlease see attached "DFS Ebill 11-24-" (which also includes my notes at the time showing that I was told my real due date was the 23rd and that the late fee had been reversed)the second attachment "DFS Ebill 12-23-15" shows that my payment was applied without the deduction of a $late fee and the new payment date as set by the Dell CSR. "Again, all Collection calls made to Mr***
were within applicable guidelines around Collection practices. There have been no attempted contacts after Mr
*** requested a cease and desist on May 8, The November 25th and 28th phone
calls to Mr*** were from customer service and the agents explained the charges and
attempted to resolve Mr. ***’s issue by offering a $waiver"Mr*** proceeds to say that attempts were made to discuss the dispute and that it was "explained" to me that a waiver had been issued during calls made that I contend were made during my work hours and the only times I ever took any of these calls was to once again reiterate that I refuse to attempt any conversation outside of the hours I offered for the reason stated above and that I am forbidden to use my phone while on City time as per my job requirementsI would ask that since calls "may be recorded" that any recordings of my being told what Mr*** states on the dates listed please be provided, if not then I contend that the calls listed were nothing more than the numerous attempts at collection as already described."In regards to Mr***’s contention that we
are not processing his online payments, please note that records indicate he cancelled his recurring automatic payments
on January 20, No payments have been processed since that time due to the cancellation
As stated in our previous response Mr***’s December 17, automatic payment
failed as it was rejected by his bankThe last successful payment that was withdrawn per
Mr***’s automatic payment schedule was on October 23, in the amount of $60. agent"
In this last statement by Mr*** he has taken my contention that my payments were not being processed and has used the last attempt by Dell to not take my payments as per our contract but instead insert the full finance fee amount (without my consent) and take this from my bank accountLuckily for me I have a protection amount on all my accounts to prevent unauthorized amounts to be withdrawn without my consent...please note the date (are not the dates of my final payments in my attempt to pay off my commitment) of this attempt at collection This again is distressing as I was told numerous times during my first call (when I was accused of manipulation) that Dell "absolutely cannot enter my account and make changes without my express consent and furthermore Dell has no access whatsoever to my password" this too it seems would be a fallacy as the document attached (Payment Center 14-17) clearly shows.I find it most upsetting that throughout this ordeal that although I (at the onset) have tried to use Dell's system to raise a legitimate dispute and that Dell has consistently instead named multiple ways that that I was not going to pay off the item despite my best efforts and has instead consistently made and executed threats to my credit throughout this process even though I have made every attempt to find a reasonable attempt to find out why my last payments were not taken as posted and has instead been accused me of manipulating my account to have those payments not be taken for some unknown reason, I have been harassed by phone for collection instead of calling and discussing this matter as I requested at an appropriate time and now in this last mail I have been been called a liar without any proof shown or provided. I again ask that Dell reverse the damage that they have caused to my credit and for once discuss my concerns over these issues as I have repeatedly asked without the threats and accusationsMy payment history with Dell and my entire credit history and this entire discourse suggest and show that I take my obligations seriously and do not withhold my fulfillment of these obligations without due causeI had expected that Dell would take the time to review the problem and try to come to terms in a civilized manner rather than what has transpiredI am however still willing to work out a reasonable solution but I will state again that the reversal of the damage to my credit is and will always be non negotiable and must be corrected.
Regards,
*** ***
Please see the attached response Dear Revdex.com Representative: We are in receipt of a complaint from *** ***, originally addressed to the RevDex.comIn her complaint Ms*** states that she ordered a laptop but did not receive the
correct one, thus returned itHer Dell Preferred Account (“DPA”) then went into Collections and charged-off which is adversely affecting her credit scoreShe states that a new account has now been fraudulently opened in her name. Dell Financial Services (“DFS”) records indicate that Ms***’s Dell Preferred Account was opened on June 17, Ms*** applied and was qualified for a Dell Preferred Account with a credit limit of $4000.00 and an APR of 17.99%. Ms***’s DPA had a zero balance on December 30, when she made her most recent purchase in the amount of $Records indicate that Ms*** returned this purchase unauthorized, which Dell received on February 28, Because the return was unauthorized and outside of Dell’s day return policy period credit was not applied to Ms***’s DPA for this purchaseAs DFS received no payment for this purchase Ms***’s DPA charged-off due to delinquency on August 13, 2012. Please note that in February Dell declined Ms***’s request to return order number On two occasions in May and June Collections spoke with Ms*** and advised her of the remaining balance and of her options to satisfy itThere was no contact from Ms*** again until July at which point she submitted a dispute through the credit reporting agenciesUpon receiving the credit dispute DFS researched the issue and found that Ms*** did indeed return the systemEven though the system was returned unauthorized DFS requested that Dell credit the order, and at that time a full credit in the amount of $was processedPlease note however that because Ms***’s DPA had charged-off due to an order that was later credited in full that we reversed the charge-off on her accountAs part of the charge-off reversal process her old DPA was deleted from her credit report and a new DPA was createdThis new DPA was not opened fraudulentlyDPA ending in was opened at that time and the order was posted to the new DPACredit was to be applied right away upon processing the charge-off reversal however due to the credit still reflecting in the system as unauthorized the credit was not processed timelyOn October 12, 2015 the order was credited in fullThe interest and late fees as a result of the order not initially being credited have been reversed as wellMs***’s DPA reflects a zero balance and has now been closed per her request. DFS has submitted a request to have all four credit agencies update their records to reflect Ms***’s account as closed with a zero balance and no negative historyPlease 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 InnovisPlease allow 30-days for the corrections to be reflected on Ms***’s credit reportIf she should have any questions regarding her credit report, she will need to contact Experian at 888-397-3742, Equifax at 800-759-5979, TransUnion at 800-916-8800, Innovis at 1-800-540-or at the phone number on her credit report. We regret any inconvenience this matter may have caused to Ms***I hope this letter explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely,
*** *** Executive Services Dell Financial Services
Complaint: ***
I am rejecting this response because: Because Their Was Never Any Fraud on my Account and I never Told Dell that my account was Frand and this Information am not Comfortable with it and dell is not doing the right thing on trying to say
that this was a fraudulent account and it was never a fraudulent account this account was open by *** *** and I did Placed and order and dell place my account on hold the same date I apply for their credit card at this point I want this account to be closedwith no Fraudthere was never any fraud with this account and dell could say anything they want and I dont want their credit anymore they can go and closed this account and I already disputed this Dell Financial Service Account With Experian TransUnion and Equifax to remove this account from my reporti dont want anything from Dell anymore and I want them to close this account no further question. PLEASE CLOSE THIS ACCOUNT THANK YOU AND THERE WAS NEVER ANY FRAUD DELL MAKING STATEMENT AGAINST MY OWN IDENTITY
Regards,
*** ***
Complaint: ***
I am rejecting this response because:There is a few reasons why I am not accepting this responseThe returns were not credited in error; they were actual returnsIf an issue occurred as a result, it is still DPA responsibility to honor any mistakes resulting from an overpayment or over credit, multiple credits etcThe time between when the credit occurred and the bill back also speak to the type of organization. They are at least late payment fees a result; since DPA made the error, it is DPA responsibility to fix it; irregardless of whether I cash the check or notThe credit sat there for monthsI have gone from having a credit to now owing $for DPA's mistake and their response is to point to my termsIf DPA made a mistake, good business practice is to apologize and fix the issueIf Revdex.com was not involved I would have been getting a lot of the same nonsense. On another note regarding only one call was recorded is incorrectThat original call lasted at least mins during the noon hour and several of my associates can validate that informationUnderstanding that I received several call regarding late payment but never received a call when the errors were madeThe fact that DPA is calling out the terms of my agreement, means that it is there intent not to take responsibilityIn addition DPA would rather damage their reputation and customer relationship than resolve the issue. I would ask that DPA resolve this issue as previously requested; based on principles and good business practiceAlso please release the details of the conversation in October where the rep referred to the notes from the previous call, and it will clearly showed that there were more that one conversationIn addition state how that called ended. I am very disappointed in the way this issue was handled a year later, and I am very disappointed in Dell Financial.
Regards,
*** ***
Complaint: ***
I am rejecting this response because I contacted the collections department twice this week to settle the debt for amount provided and was turned down both timesInitially, I called on Tuesday, 7/5/16, and was told that I could not pay the settlement amount with a credit cardWith that information, I told the agent I would call back Thursday 7/7/or Friday 7/8/to pay with bank fundsWhen I called today, 7/8/16, I was told the account had been sold to a collection agency, Portfolio Associates, and the offer was not longer available through Dell
And to be sure -- I am not paying to settle this account because I agree with your legal analysisJust because I signed the note, does not mean that Dell has not engaged in deceptive trade practices or unconsionsable conductI am trying to all I can to increase my credit score so that I can buy a home that will allow me to take in my ailing fatherSo even when I finally raise the money for the settlement offered and try twice to make the payment (despite my utter disdain for Dell and my preference to head up a class action lawsuit), I am turned awayAnother great example of the outstanding customer service I've received while a Dell customer
*** ***
:
Regards,
*** ***
Complaint: ***
I am rejecting this response because:Dell is doing nothing to help me in this matterAlso I'm a amazon corporate employee, and I did not recieved my amazon corporate discount for my Dell preferred account
My Discount Member ID Code: ***It's sad, I have been a customer of Dell through myself and family recommended them to many of my customers as I work in ITAfter this is won't be making any more purchases nor recommend to anyone else
Regards,
*** ***
Please see the attached responseDear Revdex.com Representative: We are in receipt of a complaint from *** ***, originally addressed to the RevDex.comIn their complaint the customer states that they have not yet received a call back regarding their
account being overcharged on their last purchaseThey also state that their attempted payment to their Dell Preferred Account (“DPA”) was not processed. Dell Financial Services (“DFS”) records indicate that *** *** attempted to make an online payment to their DPA on May 27, however it was returned by their financial institution due to “Invalid Account”The customer called DFS on June 6, and attempted to make the payment by phone but again the payment was returned due to the banking information providedPlease note that on June 13, *** *** logged into their online profile and successfully made a $payment to the DPA. Please be advised that the charge *** *** describes in their complaint incorrectly posted to their DPA for $335.16, instead of $*** *** contacted DFS on May 30, regarding this charge and on June 8, a credit for $was processed and the correct amount of $was posted to the DPAPlease note that the customer spoke with customer service on June 13, and was advised that the adjustment had been madeWe regret any inconvenience that this error may have caused to the customer. We hope this letter helps explain and resolve this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationFurthermore if the customer would still like to discuss this matter by phone they can contact me directly at the below phone number. Sincerely, *** *** Executive Services Dell Financial Services P: ###-###-####
Dear Revdex.com,
Thank you for the opportunity to address the correspondence submitted by Ms*** ***A Dell representative recently contacted Ms*** regarding her concerns. The representative sent her an e-mail advising her to review the
following links: ***
***
Our representative may be contacted directly by e-mail at ***@Dell.com, in case Ms*** has any further concerns regarding this case
Sincerely,
Executive Support Team
Incident ID: ***
Dell Inc
Please see the attached response Dear Revdex.com Representative: We are in receipt of a complaint from *** ***, originally addressed to the RevDex.comIn his complaint Mr*** expresses concern regarding the outstanding balance of his
Dell Preferred Account (“DPA”). Dell Financial Services (“DFS”) records indicate that on March 16, Mr*** 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*** at the time his application for credit was approvedOur records indicate that Mr*** accepted the terms of the credit agreementAdditionally, the terms and conditions of Mr***’s credit agreement were mailed to him within hours of his approval for creditThe terms and conditions give the customer three (3) days to contact us to reject the credit agreementOur records indicate that Mr*** did not contact us to reject the DPA credit agreement. Please be advised that at the time of the account opening Mr*** placed an order with Dell totaling $Mr*** then made several additional purchases between July and December totaling $364.68. Please note that the Dell Preferred Account is an open end account so when the account will be paid in full depends upon factors such as whether and how often excess payments are made and whether additional purchases are made, or fees assessedThe customer can reduce the account balance faster by making payments larger than the minimum amount due. Please refer to the Payment Information section of your billing statement under Minimum Payment Warning: “If you make only the minimum payment each period, you will pay more interest and it will take longer to pay off your balance.” After reviewing Mr***’s payment history, DFS finds that his minimum monthly payment amount was received late on ten (10) occasions, totaling $in late fee chargesPlease be advised that when customers are one day late DFS will charge a late fee charge to the customers Dell Preferred AccountPlease reference the section of the terms and conditions titled 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 that all fees assessed to Mr***’s account have been assessed in accordance with the agreed upon Terms and Conditions of the Dell Preferred Account, however, in the interest of customer satisfaction we have waived $in interest charges that have been assessedAs of the date of this letter Mr***’s DPA balance is $Please keep in mind that because interest accrues on his account daily he may have additional interest charges assessed on his next regular statement. Page 2 Records indicate that on October 22, Mr*** contacted DFS customer care and requested a settlementHe was then referred to the Collection agency assigned to his account to discuss his payment options which may include a settlement offerThere is no record of Mr. *** speaking with Collections and asking for a settlementPlease note that we have reached out to Collections on Mr***’s behalf and requested a settlement offer at this timeCollections provided an offer to settle Mr***’s account for 80% of the account balance, which would be This settlement offer may be paid in three installments of $397.43, due on January 1, February and March 2, If Mr*** decides to accept our settlement offer DFS will charge-off the remaining balance on his account and report to the credit bureaus as paid in full for less than the full balance and charged-off. We hope this letter explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely, *** *** Executive Services Dell Financial Services
Please see the attached responseDear Revdex.com Representative: We are in receipt of a complaint from *** ***, originally addressed to the RevDex.comIn her complaint, Ms*** states that a Dell Business Credit Account (“DBC”) was fraudulently
opened in her business’ name by a former employee. We regret any frustration Ms*** feels she has experienced as a result of this issueDell Financial Services (“DFS”) records indicate that a DBC Account was opened in *** *** ***’s name on April 01, DFS maintains policies and procedures to detect and prevent fraud and identity theftThese policies and procedures are in compliance with applicable federal and state laws, and are consistent with the standards of the consumer finance industryPlease note that there was no fraud suspected at the time the account was opened. At the time the account was opened there were a total of five (5) purchases made, totaling $Records indicate that someone from *** *** *** first contacted DFS in regards to possible fraudulent activity on the account on July 24, At that time DFS mailed a letter to *** *** *** with an enclosed fraud affidavit, requesting it be filled out and returned along with a police reportDFS had not received the required documents when on July 30, Ms*** called and spoke to a member of our Fraud teamAt that time Ms*** advised that she didn’t know if she wanted to file charges against the suspectShe was advised that she would need to file charges in order to proceed with the fraud claim and was advised that if she decided to file charges in the future then she may re-submit her fraud claim at that timeThe fraud claim was rejected as a civil dispute and a letter was mailed to the business that day to advise of the denied fraud claim. Please note that DFS has no record of any other phone calls from Ms*** regarding her fraud claim prior to her filing the complaint through your officeThe only email DFS received from Ms*** regarding this issue was received on August 11, Ms*** did not receive an email response to her email due to the pending Revdex.com complaint as her concerns would be addressed through the Revdex.com. Upon receipt of this complaint our Fraud team reached out to Ms*** once again and was advised that she decided to file a fraud claimThe Fraud investigator contacted the *** Sheriff’s office and verified Ms***’s fraud claimAt that point DFS accepted Ms. ***’s fraud claim and advised her to send the equipment back to usAs of August 27, 2015 DFS received the equipment and charged-off the DBC account for *** *** *** due to fraud. Please be advised that we have submitted an update to the credit reporting agencies to delete the tradeline due to fraudPlease allow 30-days for the update to be reflected on *** *** ***’s credit reportWhile DFS reports to the credit agencies, the credit report is the sole property of the agency generating the reportCurrently DFS submits account information to Experian, Equifax, Dunn & Bradstreet and Paynet each monthIf Ms*** should have any questions regarding *** *** ***’s credit report, she will need to contact the agency that owns the report. We hope this letter explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely, *** *** Executive Services Dell Financial Services
Please see the attached response. Dear Madam or Sir: We are in receipt of the complaint from *** ***, originally addressed to the RevDex.com and forwarded to Dell Financial Services (“DFS”) electronically through the online Revdex.com portal on March 15, 2017. In
the complaint Mr*** states the following: ? He was a victim of identity theft in November which resulted in a credit inquiry on his credit report he did not recognize. ? He states after reaching out to DFS multiple times this issue remains and he has only received letters stating an investigation was completed and we could not verify his claim. Please be advised that a credit application was received in Mr***’s name on December 4, 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 industry. Please note that the December 4th application was referred for further verification and a letter was mailed to Mr*** asking that he contact DFS within days in order to verify the submitted information and complete the applicationMr*** did not contact us to complete the application therefore the application was declined for incompletenessWe have now submitted a request to Experian to delete the inquiry from Mr***’s credit report based on his contention that he did not submit the inquiryPlease allow 30-days for the adjustment to be made to his credit report. In reference to the account number provided in Mr***’s complaint, please note this account does not belong to Mr*** and is not reflecting on his credit reportWe apologize for any confusion that led to lengthy phone calls and added frustration while Mr*** attempted to resolve this issue. We hope this letter explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely, *** *** Executive Services Dell Financial Services
Please see the attached response.Dear Madam or Sir: We are in receipt of a complaint from *** ***, originally addressed to the RevDex.comThe complaint was sent to Dell Financial Services (DFS) electronically through the online Revdex.com portal on October 2,
2017. In the complaint Ms*** states the following: ? She has paid over $1,towards her $laptop purchase from 2010. ? She states that her laptop has not worked since and that she called several times to try and resolve her issues but was not able to as she was told her laptop was out of warranty. ? She would like her account to be satisfied based on the payments she has made to date. She would also like the charge-off removed from her credit. DFS records indicate on April 17, Ms*** applied and was approved for a Dell Preferred Account (DPA) with a credit limit of $1,and a corresponding Annual Percentage Rate (APR) of 29.99%The terms of the credit agreement, including the APR, were disclosed to Ms*** at the time her application for credit was approvedOur records indicate Ms*** accepted the terms of the credit agreementAdditionally, the terms and conditions of Ms***’s credit agreement were mailed to her within hours of her approval for creditThe terms and conditions give the customer days to contact us to reject the credit agreementOur records indicate Ms*** did not contact us to reject the DPA credit agreement. At the time of the account opening Ms*** placed an order with Dell for computer equipment totaling $She then made an additional purchase in June totaling $26.23. Ms***’s April purchase 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 November 11, 2012. DFS received payment on November 8, in the amount of $24.00, however the remaining promotional plan balance as listed on her October billing statement was $As the entire promotional plan balance was not paid by the promotional expiration date, the promotional financing feature expired and billed deferred interest charges were assessed to Ms***’s DPA in the amount of $136.86. 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 Page 2 Due each Billing Period when due, no Interest Charges will be imposed on the purchase. If 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 time. Additionally, 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***’s referencePlease note the disclosure directly above the Transaction Detail Box: “NOTE: Interest accrues at your standard rate of 29.99% (variable) from purchase date. To avoid deferred interest, pay promotional balance in full by expiration date found in the interest charge calculation box belowWhen promo expires, interest will be imposed from purchase date at your standard rate of 29.99% (variable)Payments are applied to your total minimum payment due. After reviewing Ms***’s payment history, DFS finds that her minimum monthly payment amount was received late or was not received on occasions, totaling $1,in late fee chargesPlease be advised that when customers are one day late DFS will charge a late fee charge to the customers DPAPlease 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. Please note that the DPA is an open end account so when the account will be paid in full depends upon factors such as whether and how often excess payments are made and whether additional purchases are made, or fees assessedThe customer can reduce the account balance faster by making payments larger than the minimum amount due. Please refer to the Payment Information section of your billing statement under Minimum Payment Warning: “If you make only the minimum payment each period, you will pay more interest and it will take longer to pay off your balance.” All fees assessed to Ms***’s account have been assessed in accordance with the agreed upon Terms and Conditions of the DPA therefore we must respectfully decline to consider her account paid in fullAs of the date of this letter Ms***’s DPA has a balance of $1,The last payment received by Ms*** was on March 31, in the amount of $At the time of the March payment Ms***’s DPA balance was $1,Ms***’s DPA was closed due to delinquency on November 16, Her account is not charged-off as of today however it is days delinquent and would be charged-off if it reaches days in delinquencyThe total amount due in order to bring the account current is $by October 11, 2017. We are reporting Ms***’s DPA accurately to the credit bureaus as days delinquent and closed by credit grantorPlease note while DFS reports to the credit agencies, the credit report is the sole property of the agency generating the reportCurrently, DFS submits account information to Experian, Equifax, TransUnion and InnovisIf Ms*** 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 report. Regarding the technical support issues that Ms*** references; please understand that she is responsible for payment on her account regardless of any technical issues that she may have experiencedTechnical issues would need to be addressed by Dell customer careIf Ms*** Page 3 is still experiencing issues with her system and would like to have these addressed we ask that she call Dell customer care at ###-###-####. We 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 clarification. Sincerely, *** *** Executive Services Dell Financial Services
Complaint: ***
I am rejecting this response because: I was charged late fees after they increased the amount owed the amount owed was paid down over the course of several yearsI paid the same amount as prescribed by their web page on buying the products they offerI was shown the the amount I would need to pay per monthI paid that every month for yearsI did not incur late fees till you changed the amount due each month and ran the bill up doing soI called and closed my account with youYou were unfair in how you have treated me and I no longer wish to ever do business with you againTo tell a person buying a product that this is the amount they will have to pay each month till it is paid off then change that amount at will is terrible I am disabled years old on a limited incomeI called several times I was told a complaint was filedClearly that was also a lieI your billing office at least times trying to get this straightened outeach time you stated you would lodge my complaint and dispute and send me an answer in writingNothing ever arrivedI call again again you state you will lodge my complaint and I will receive an answer in writing all this time you are charging me fees because I paid you the amount owed each month and because you want more money then was agreed to I am late therefore more feesYou have run the bill up so high there is no way I can pay youYou know this and you simply do not care you would rather write this debt off for non payment than work out an agreementI have asked for an agreement times nothing. I would have gone on paying exactly what I owed you per month but you lied on the agreement and will not admit this. Your own web page is faulty as you have admitted that on the phone trying to make it seem that I caused the problemI carefully weigh each Item I purchase for the monthly payments your web page claims to do that and gives you the exact amount you must pay per monthThat is what I agreed toThen without warning after I am paying you whats owed each month you change itThat is an unfair practice and you should be fined for itYou have now damaged my credit and can be sued for that as well
Regards,
*** ***
Please see the attached response Dear Revdex.com Representative: We are in receipt of a complaint from *** ***, originally addressed to the RevDex.comIn her complaint Ms*** states that her Dell Preferred Account (“DPA”) was
mistakenly reported as closed twice this year, which impacted her credit score. Please be advised that Ms***’s DPA was never closed, however Dell Financial Services (“DFS”) has identified an issue in which some accounts were mistakenly reported to the credit agencies as closed in January and July Ms***’s DPA appears to have been one of the impacted accountsWe have since corrected the issue with the credit reporting and have verified that her account is reflected as open and current with all four (4) credit reporting agenciesPlease note that any negative impact this would have had on Ms***’s credit score would now be adjusted with the corrected reportingPlease note, while DFS reports to the credit agencies, the credit report is the sole property of the agency generating the reportCurrently, DFS submits account information to Experian, Equifax, TransUnion and InnovisIf Ms*** should have any questions regarding her credit report, she will need to contact Experian at ###-###-####, Equifax at ###-###-####, TransUnion at ###-###-####, Innovis at ###-###-#### or at the phone number on her credit report. We apologize for any inconvenience this matter may have caused to Ms***, and hope this letter explains and resolves itPlease do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely, *** *** Executive Services Dell Financial Services
Complaint: ***
I am rejecting this response because: DFS is wrong about statutory lawThe minimum payment warning must be displayed "prominently and conspicuously" on the billing statementWhen a company offers paperless billing and sends emails that a reasonable consumer would assume to be the billing statement and offers an online website with billing information, merely including a warning not in the emails or website but in a document that must be downloaded separately is insufficient to satisfy the legal requirementWhen a company operates in this manner, its warning regarding the minimum payment fails to be prominent and conspicuous, notwithstanding its appearance on some documentBy analogy, if a company produced a billing statement that was pages long and contained lots of extraneous information, a warning even if included in the document might fail to be conspicuousI reiterate that at no cost to itself DFS could have included some kind of warning in its monthly emails or on its website where the customer signs up for automatic paymentsThat it failed do so indicates strongly that it hopes to mislead customers into making payments they did not agree toDFS is a deceptive and fraudulent firm and I'm taking this issue to court.
Regards,
*** ***
Complaint: ***
I am rejecting this response because:
Dear Madam or Sir:
I am in receipt of the Dell response letter dated 06/20/(Revdex.com Case # ***) and I will again preface the following with the caveat that I am a year old man
that has always maintained a better than average credit so this issue and the resulting treatment I have gotten from the vendor is
something I find most disturbing and distasteful
I will endeavor in the hope of clarity to include excerpts from the Dell response letter in (italics and quoted ) with my response to each point."DFS records indicate that Mr*** enrolled in automatic payments on October 25, and chose to make a payment when the statement generated, not on the payment due date Mr***’s payment due date is the 17th of each monthPlease understand that when a customer enrolls in automatic payments or makes changes to a current automatic payment schedule they are advised that it takes a full billing cycle to take effectPlease reference the message customers are presented with when making a change to their automatic payment online" After arranging for credit and receiving my laptop my account ( #*** *** *** *** ***) was set up for payments starting 11/24/2015… a late fee was charged and after a call with a conversation with a Dell CSR the charge was reversed and date corrected by the same Dell CSR)I again bring this "mistake" back into this dialogue as noted in the response by DFS on 06/20/that clearly laid the blame on me for setting up my account with the incorrect due date which is untrue as a Dell CSR reviewed my account and set the date to the 23rd of each month, no mention was made at this time by Dell that any other date was needed
"All fees assessed to Mr***’s account have been assessed in accordance with the agreed upon Terms and Conditions of the DPA, however, we have honored the previous waiver that Mr*** was offered when he contacted customer service on November 28, of $of the deferred interest chargesWe must respectfully decline to waive the remainder of the chargesAs of the date of this letter Mr***’s DPA balance is $Please keep in mind because interest accrues daily on his account, he may have additional interest charges assessed on his next regular statement"I am most appreciative that you have honored the previous offer without my prompting but I am a bit confused with this statement after receiving the attached letter from Dell (attachment DFS Letter 1-17-17) that clearly states my account is in arrears of $with a minimum due of $40.00. "Regarding Mr***’s contention that his disputes went unanswered, please note that callbacks were made to him on November 25th and 28th, as promisedFurthermore an email response was sent to him on January 23, in response to his January 19, email asking that he provide the best phone number and time to call as his request involved sensitive informationNo response was received from Mr***There are no records of any other disputes from the customer""Please note that Collection efforts began on January 17, 2017, after Mr***’s payment was not received by his December 17, due dateDFS received payment on January 17, to bring Mr***’s account current however after payment was not received again by his February 17, payment due date calls started once againCollection calls continued until May 8, when Mr*** requested to no longer be contacted by phone and a cease and desist was placed on his accountDFS reserves the right to contact a customer if the monthly minimum payment is not made in full by the applicable due dateUpon review of the collection call records, it has been determined that all calls made to Mr*** with the intent to collect a debt were made within the guidelines of the applicable regulations around Collections practicesDFS strictly adheres to these guidelines at all times, in not only speaking to customers, but in making attempts to contact them as well"I do still contend that the only calls I received were for collection purposes only ...all records with DFS have always been kept current with my ONLY current and correct phone number, as I earlier stated I was getting calls days per week as late as 8PM on a Sunday eveningI stopped requesting (due to my job) that I cannot take personal calls during work hours but I would gladly speak to a representative regarding this dispute any time during the hours from 3PM MST to 6PM MST M-F ( business hours)Sadly, as phone records will show these were the only hours I did not receive any calls for collection purposes or otherwiseI would also like it noted when I requested that the phone calls cease I also requested at that point that any further communication be done in writing...to date, this is the contact made to that endI will also like to make note again to the attachment (DFS Letter 1-17-17) in direct response to ""Please note that Collection efforts began on January 17, 2017, after Mr***’s payment was not received by his December 17, due date"At this time would also like to take this opportunity to address the issue of my online payments not being processed and the subsequent damage that has resulted has been done to my credit by this issue that to date has neither been addressed by DFS or even mentioned other than to direct blame to me for "changing" my payment amountsI find it abhorrent that Dell has consistently used my credit standing as a bargaining chip to hold as a means to extract payment even though I had from the first instance both verbally and in writing to DFS have vehemently disputedI again respectfully request that Dell contact the credit bureaus on my behalf to begin the process of correcting this issue as we all realize that incredible damage has been done and no amount of contact I make with these agencies will make any difference without direct communication by DFS
Thank you for your time and consideration in
this matter
*** ***
*** *** ***
*** *** ***
###-###-####
Regards,
*** ***
See attached
Please see the attached letter and supporting documentation Dear Revdex.com Representative: We are in receipt of a complaint from *** *** originally addressed to the RevDex.comIn her complaint Ms*** states that she has not received proof of
her Dell Preferred Account (“DPA”) openingShe also states that she paid $on a $1500.00 computer and should not have a remaining balanceFurthermore Ms*** states that until recently this account was not reflected on her credit report. Dell Financial Services (“DFS”) records indicate that on August 09, Ms*** applied and was approved for a Dell Preferred Account with a credit limit of $and a corresponding APR of 28.24%The terms of the credit agreement, including the Annual Percentage Rate (APR), were disclosed to Ms*** at the time her application for credit was approvedOur records indicate that Ms*** accepted the terms of the credit agreementAdditionally, the terms and conditions of Ms***’s credit agreement were mailed to her within hours of her approval for creditThe terms and conditions give the customer three (3) days to contact us to reject the credit agreementOur records indicate that Ms*** did not contact us to reject the DPA credit agreement. At the time of the account opening Ms*** placed an order with Dell for computer equipment totaling $Records indicate that she made eighty-eight (88) payments for a total of $5957.00, the last payment being received on June 15, in the amount of $80.00. Her DPA was closed due to delinquency on September 07, 2014, and later charged-off on January 12, when the account became days delinquentThe balance at the time of charge-off was $2077.52, and is the remaining balance as of the date of this letter. Please note that the Dell Preferred Account is an open end account so when the account will be paid in full depends upon factors such as whether and how often excess payments are made and whether additional purchases are made, or fees assessedThe customer can reduce the account balance faster by making payments larger than the minimum amount due. All fees assessed to Ms***’s account have been assessed in accordance with the agreed upon terms and conditions of the Dell Preferred Account, and the remaining account balance is valid therefore we must respectfully decline her request to remove this account from her credit report. Please understand, 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 Innovis at the end of each monthDFS has reported out to the credit agencies regarding Ms***’s DPA since inception in August If Ms*** should have any questions regarding her credit report, she will need to contact Experian at ###-###-####, Equifax at ###-###-####, TransUnion at ###-###-####, Innovis at ###-###-#### or at the phone number on her credit report. Page 2 Please note that DFS has no record of Ms*** requesting proof of the account until she did so upon contacting Collections in July 2015, at which point a transaction history of the account was sent to herAt that time Ms*** also requested a settlement of the account, and a settlement in the amount of $was offered and acceptedA settlement letter was mailed to Ms*** at that time however she contacted Collections on August 25, 2015 stating that she didn’t receive it, then again on September 21stSettlement letters were mailed to her again with the last one being sent out on September 28, The settlement is for three payments of $due on October 16, November and December 16, Ms. ***’s DPA is currently assigned to Accounts Receivables Automated Solutions (ARAS)If she should have any further questions regarding her account, we ask that she contact ARAS at ***-***. Please see the attached copy of the DPA terms and conditions, Ms***’s Welcome packet, the last three billing statements prior to the account charging off and a detailed account history listing all purchases, payments and fees over the life of the account. We hope this letter explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely, *** *** Executive Services Dell Financial Services
Complaint: ***
I am rejecting this response because: This is a cut and paste response, I have indeed contacted the personnel listed about the matterWe spoke about 3weeks and they were unable to assist me, in fact they had no idea who any of these resolution specialist were that have been forwarding me along to themI have already replied to the person that directed me to speak to additional resolution specialists and made them aware of the fact that they sent me on essentially a 'dead-end route' and since that day they have been silentThis is not a current accounting of what has happened, I haven't heard from anyone in over 3weeksI simply want a new device because this one is corrupted
Regards,
*** ***
Please see the attached responseDear Revdex.com Representative: We are in receipt of a complaint from *** ***, originally addressed to the RevDex.comIn his complaint Mr*** states he set up a payment to come out on his due date, however it was
not withdrawn which led to a late fee charge. Dell Financial Services (“DFS”) records indicate Mr*** logged into his online profile on May 25, and scheduled a payment in the amount of $This payment was processed and posted to his DPA on May 26, As Mr***’ payment due date as reflected on his monthly billing statement was May 19, 2016, a late payment fee in the amount of $was assessed to his DPAWe have reviewed Mr***’ log in activity and found his previous log in was on April 23, 2016, when the payment prior to this one was made. Please understand when customers are one day late DFS will charge a late fee charge to the customers Dell Preferred AccountPlease reference the section of the terms and conditions titled 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 Mr***’ account have been assessed in accordance with the agreed upon Terms and Conditions of the Dell Preferred AccountHowever, in an effort to ensure customer satisfaction we have processed a late fee credit in the amount of $for the late fee that was assessed to his DPA on May 19, As of the date of this letter, Mr***’ account balance is $Please keep in mind because interest accrues on his account daily he may have additional interest charges assessed on his next regular statement. We hope this letter explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely, *** *** Executive Services Dell Financial Services
Complaint: ***
I am rejecting this response because:Dear Madam or Sir:
I apologize for the extra time it has taken to respond to the last mail
from from Mr*** but once again I am appalled that instead of wishing to
work through this issue the stance taken by Dell is to once again belittle and
accuse as has been done throughout this processIt is very obvious that Dell's
stance in regards to my raising a "dispute" has been to accuse me of
somehow manipulating my last payments to instead of taking the the amounts
offered but instead simply take the minimum payment, the next option was to
"offer" a 50% reduction of the interest fees for (to avoid having my
credit harmed which, to be honest is a form of extortion)Dell then progressed
to to unrelenting phone calls during hours that I had already explained were
not acceptable as I wished to have the opportunity to discuss while I was home
and had the benefit of having my records at handThis last mail from Mr
*** has crossed the line by simply accusing me as a liar as noted by the
inclusion taken directly from his response: "Please note that in our June 20, response
we advised that Mr*** set up automatic
payments on October 25, We stated that payments take a full billing
cycle to take effect
therefore no payment was withdrawn by the November 17, due date as
reflected on Mr.
***’s October billing statement, which resulted in a late fee
charge of $to his Dell
Preferred Account (“DPA”)Mr*** set up his automatic payments to
be withdrawn upon
his billing statement generating, therefore his payment was withdrawn on
November 24, 2015.
Please understand that the November late fee was not waived and that
Mr*** did
not contact DFS regarding this late feeThe first contact from Mr
*** was on November
25, We found no record of Mr*** being told his late fee would
be waived by a Dell
agent. " I ask the you look at the two attachments provided that show first a $late fee and the following month the fee is no longer shown and it can easily be noted that this "fee" was applied directly to my balanceThis, I think we can all agree would not happen unless the "fee" had been droppedPlease see attached "DFS Ebill 11-24-" (which also includes my notes at the time showing that I was told my real due date was the 23rd and that the late fee had been reversed)the second attachment "DFS Ebill 12-23-15" shows that my payment was applied without the deduction of a $late fee and the new payment date as set by the Dell CSR. "Again, all Collection calls made to Mr***
were within applicable guidelines around Collection practices. There have been no attempted contacts after Mr
*** requested a cease and desist on May 8, The November 25th and 28th phone
calls to Mr*** were from customer service and the agents explained the charges and
attempted to resolve Mr. ***’s issue by offering a $waiver"Mr*** proceeds to say that attempts were made to discuss the dispute and that it was "explained" to me that a waiver had been issued during calls made that I contend were made during my work hours and the only times I ever took any of these calls was to once again reiterate that I refuse to attempt any conversation outside of the hours I offered for the reason stated above and that I am forbidden to use my phone while on City time as per my job requirementsI would ask that since calls "may be recorded" that any recordings of my being told what Mr*** states on the dates listed please be provided, if not then I contend that the calls listed were nothing more than the numerous attempts at collection as already described."In regards to Mr***’s contention that we
are not processing his online payments, please note that records indicate he cancelled his recurring automatic payments
on January 20, No payments have been processed since that time due to the cancellation
As stated in our previous response Mr***’s December 17, automatic payment
failed as it was rejected by his bankThe last successful payment that was withdrawn per
Mr***’s automatic payment schedule was on October 23, in the amount of $60. agent"
In this last statement by Mr*** he has taken my contention that my payments were not being processed and has used the last attempt by Dell to not take my payments as per our contract but instead insert the full finance fee amount (without my consent) and take this from my bank accountLuckily for me I have a protection amount on all my accounts to prevent unauthorized amounts to be withdrawn without my consent...please note the date (are not the dates of my final payments in my attempt to pay off my commitment) of this attempt at collection This again is distressing as I was told numerous times during my first call (when I was accused of manipulation) that Dell "absolutely cannot enter my account and make changes without my express consent and furthermore Dell has no access whatsoever to my password" this too it seems would be a fallacy as the document attached (Payment Center 14-17) clearly shows.I find it most upsetting that throughout this ordeal that although I (at the onset) have tried to use Dell's system to raise a legitimate dispute and that Dell has consistently instead named multiple ways that that I was not going to pay off the item despite my best efforts and has instead consistently made and executed threats to my credit throughout this process even though I have made every attempt to find a reasonable attempt to find out why my last payments were not taken as posted and has instead been accused me of manipulating my account to have those payments not be taken for some unknown reason, I have been harassed by phone for collection instead of calling and discussing this matter as I requested at an appropriate time and now in this last mail I have been been called a liar without any proof shown or provided. I again ask that Dell reverse the damage that they have caused to my credit and for once discuss my concerns over these issues as I have repeatedly asked without the threats and accusationsMy payment history with Dell and my entire credit history and this entire discourse suggest and show that I take my obligations seriously and do not withhold my fulfillment of these obligations without due causeI had expected that Dell would take the time to review the problem and try to come to terms in a civilized manner rather than what has transpiredI am however still willing to work out a reasonable solution but I will state again that the reversal of the damage to my credit is and will always be non negotiable and must be corrected.
Regards,
*** ***
Please see the attached response Dear Revdex.com Representative: We are in receipt of a complaint from *** ***, originally addressed to the RevDex.comIn her complaint Ms*** states that she ordered a laptop but did not receive the
correct one, thus returned itHer Dell Preferred Account (“DPA”) then went into Collections and charged-off which is adversely affecting her credit scoreShe states that a new account has now been fraudulently opened in her name. Dell Financial Services (“DFS”) records indicate that Ms***’s Dell Preferred Account was opened on June 17, Ms*** applied and was qualified for a Dell Preferred Account with a credit limit of $4000.00 and an APR of 17.99%. Ms***’s DPA had a zero balance on December 30, when she made her most recent purchase in the amount of $Records indicate that Ms*** returned this purchase unauthorized, which Dell received on February 28, Because the return was unauthorized and outside of Dell’s day return policy period credit was not applied to Ms***’s DPA for this purchaseAs DFS received no payment for this purchase Ms***’s DPA charged-off due to delinquency on August 13, 2012. Please note that in February Dell declined Ms***’s request to return order number On two occasions in May and June Collections spoke with Ms*** and advised her of the remaining balance and of her options to satisfy itThere was no contact from Ms*** again until July at which point she submitted a dispute through the credit reporting agenciesUpon receiving the credit dispute DFS researched the issue and found that Ms*** did indeed return the systemEven though the system was returned unauthorized DFS requested that Dell credit the order, and at that time a full credit in the amount of $was processedPlease note however that because Ms***’s DPA had charged-off due to an order that was later credited in full that we reversed the charge-off on her accountAs part of the charge-off reversal process her old DPA was deleted from her credit report and a new DPA was createdThis new DPA was not opened fraudulentlyDPA ending in was opened at that time and the order was posted to the new DPACredit was to be applied right away upon processing the charge-off reversal however due to the credit still reflecting in the system as unauthorized the credit was not processed timelyOn October 12, 2015 the order was credited in fullThe interest and late fees as a result of the order not initially being credited have been reversed as wellMs***’s DPA reflects a zero balance and has now been closed per her request. DFS has submitted a request to have all four credit agencies update their records to reflect Ms***’s account as closed with a zero balance and no negative historyPlease 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 InnovisPlease allow 30-days for the corrections to be reflected on Ms***’s credit reportIf she should have any questions regarding her credit report, she will need to contact Experian at 888-397-3742, Equifax at 800-759-5979, TransUnion at 800-916-8800, Innovis at 1-800-540-or at the phone number on her credit report. We regret any inconvenience this matter may have caused to Ms***I hope this letter explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarification. Sincerely,
*** *** Executive Services Dell Financial Services
Complaint: ***
I am rejecting this response because: Because Their Was Never Any Fraud on my Account and I never Told Dell that my account was Frand and this Information am not Comfortable with it and dell is not doing the right thing on trying to say
that this was a fraudulent account and it was never a fraudulent account this account was open by *** *** and I did Placed and order and dell place my account on hold the same date I apply for their credit card at this point I want this account to be closedwith no Fraudthere was never any fraud with this account and dell could say anything they want and I dont want their credit anymore they can go and closed this account and I already disputed this Dell Financial Service Account With Experian TransUnion and Equifax to remove this account from my reporti dont want anything from Dell anymore and I want them to close this account no further question. PLEASE CLOSE THIS ACCOUNT THANK YOU AND THERE WAS NEVER ANY FRAUD DELL MAKING STATEMENT AGAINST MY OWN IDENTITY
Regards,
*** ***
Complaint: ***
I am rejecting this response because:There is a few reasons why I am not accepting this responseThe returns were not credited in error; they were actual returnsIf an issue occurred as a result, it is still DPA responsibility to honor any mistakes resulting from an overpayment or over credit, multiple credits etcThe time between when the credit occurred and the bill back also speak to the type of organization. They are at least late payment fees a result; since DPA made the error, it is DPA responsibility to fix it; irregardless of whether I cash the check or notThe credit sat there for monthsI have gone from having a credit to now owing $for DPA's mistake and their response is to point to my termsIf DPA made a mistake, good business practice is to apologize and fix the issueIf Revdex.com was not involved I would have been getting a lot of the same nonsense. On another note regarding only one call was recorded is incorrectThat original call lasted at least mins during the noon hour and several of my associates can validate that informationUnderstanding that I received several call regarding late payment but never received a call when the errors were madeThe fact that DPA is calling out the terms of my agreement, means that it is there intent not to take responsibilityIn addition DPA would rather damage their reputation and customer relationship than resolve the issue. I would ask that DPA resolve this issue as previously requested; based on principles and good business practiceAlso please release the details of the conversation in October where the rep referred to the notes from the previous call, and it will clearly showed that there were more that one conversationIn addition state how that called ended. I am very disappointed in the way this issue was handled a year later, and I am very disappointed in Dell Financial.
Regards,
*** ***