Dear Revdex.com Representative: We are in receipt of a complaint from [redacted] ***, originally addressed to the Revdex.comIn her complaint Ms [redacted] expresses concern regarding the assessment of a late fee to her Dell Preferred Account (“DPA”)Ms [redacted] states that she encountered technical difficulties with the Dell Financial Services (“DFS”) website, as well as issues while attempting to pay by phoneShe also cites Dell related issues in regards to her initial purchase and the functionality of her initial purchasePlease understand that as a global provider of financial services, DFS has locations around the world, and as such, we utilize these resources to support our customersDFS records indicate that on June 03, Ms [redacted] applied online 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 Ms [redacted] at the time she accepted the terms of the credit agreementAdditionally, the terms and conditions of Ms***’ credit agreement were mailed to her within hours of her approval for creditPlease be advised that on June 03, 2011, Ms [redacted] spoke to a Dell sales representative and placed an equipment order with Dell for computer equipment totaling $On June 04, an equipment order totaling $was placed onlinePlease note that on October 13, Ms*** posted a complaint on Dell’s Facebook page and as a result of that complaint Dell has reached out to Ms [redacted] in order to address her Dell related concerns, including the second computer order and the technical issues with her systemsIn reference to Ms***’ concerns regarding making a payment via the DFS website, please note that on October 3rd, 5th and 6th, there was a brief period in which a customer would have received an error message when attempting to access their online DFS profile, however we have no record of Ms [redacted] attempting to access her profile on those datesMs***’ first attempted log in in October was on the 9thFurthermore DFS has no record of Ms [redacted] calling to make a payment by phone during this timeframeDFS did receive the emails Ms [redacted] references regarding her experience with attempting to make a payment, the first of which being on October 10, 2015, and did respond accordinglyDFS received payment from Ms [redacted] on October 14, in the amount of $As this payment was not received by the October 3rd due date as listed on Ms***’ September billing statement there was a $late fee charge assessed to her DPAPlease be advised that when customers are one day late, or do not satisfy their total monthly minimum due by their due date DFS will charge a late fee charge to the customers Dell Preferred AccountPlease reference the section of the DPA terms and conditions titled ChargesPage 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 statementAll fees assessed to Ms***’ 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 DFS processed a $interest charge waiver as well as a $late fee waiver on October 15, As of the date of this letter, Ms***’ account balance is $Please keep in mind that because interest accrues on her account daily she may have additional interest charges assessed on her next regular statementWe hope this letter explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationIf Ms [redacted] has any further Dell related concerns she may contact Dell customer service at 800-624-Sincerely, [redacted] Executive Services Dell Financial Services
Please see the attached response.Dear Madam or Sir: We are in receipt of a complaint from [redacted] , originally addressed to the Revdex.com and forwarded to Dell Financial Services (“DFS”) electronically through the online Revdex.com portal on January 17, In the complaint Mr [redacted] states the following: ? He has returned his entire order from September however his Dell Preferred Account (“DPA”) keeps getting billed for an extended maintenance agreement? He’s now filed five complaints regarding this matter? He would like a permanent credit to his account and would like Dell to ensure this issue does not occur againDFS received and responded to two previous complaints from Mr [redacted] regarding an error which caused the $credit for an extended maintenance agreement to reverse, resulting in this charge re-posting to his DPADue to human error, the account was credited and debited for the same transaction multiple timesAs of January 30, 2017, Mr [redacted] ’s DPA balance is once again zeroWe hope Mr [redacted] can accept our sincere apologies for this inconvenienceI ask that Mr [redacted] please contact me directly if he has any further concerns regarding his accountSincerely, [redacted] Customer Care Analyst Dell Financial Services P: (512) 728-F: (512) [email protected]
Please see the attached responseDear Madam or Sir: We are in receipt of the complaint from [redacted] ***, originally addressed to the Revdex.com and forwarded to Dell Financial Services (“DFS”) electronically through the online Revdex.com portal on April 17, In the complaint Mr [redacted] states the following: ? He reported a fraudulent order on his account however is still receiving email and mail regarding it? He would like confirmation that his account and all personal information have been deleted from our systemDFS 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 be advised that DFS was unable to locate an account for Mr [redacted] using the information provided in his complaintWe ask that Mr [redacted] provide an account number or any other information associated with his account that may help us locate it and assist with this issueHe may send this information through your office, or he may send it directly to me using my contact information belowWe regret any inconvenience this matter may have caused to Mr [redacted] and thank him for bringing this matter to our attentionSincerely, [redacted] Executive Services Dell Financial Services [redacted] @Dell.com P: ###-###-#### F: ###-###-####
Please see the attached response Dear Revdex.com Representative: We are in receipt of a complaint from [redacted] ***, originally addressed to the Revdex.comIn his complaint Mr [redacted] expresses concern regarding the outstanding balance on his Dell Preferred Account (“DPA”)Mr [redacted] states he would like a buyout for less than the full remaining balanceDell Financial Services (“DFS”) records indicate on July 29, 2005, Mr [redacted] applied and was approved for a Dell Preferred Account with a credit limit of $and a corresponding APR of 29.99%The terms of the credit agreement, including the Annual Percentage Rate (APR), were disclosed to Mr [redacted] at the time his application for credit was approvedOur records indicate Mr [redacted] accepted the terms of the credit agreementAdditionally, the terms and conditions of Mr***’s credit agreement were mailed to him within hours of his approval for creditThe terms and conditions give the customer three (3) days to contact us to reject the credit agreementOur records indicate Mr [redacted] did not contact us to reject the DPA credit agreementPlease be advised at the time of the account opening Mr [redacted] placed an order with Dell totaling $Mr [redacted] made ten additional purchases between November and September totaling $Please note the Dell Preferred Account is an open end account so when the account will be paid in full depends upon factors such as whether and how often excess payments are made, whether additional purchases are made, or whether fees are assessedThe customer can reduce the account balance faster by making payments larger than the minimum amount dueAfter reviewing Mr***’s payment history, DFS finds his minimum monthly payment amount was received late on fifty-seven occasions, totaling $in late fee chargesPlease be advised when customers are one day late DFS will charge a late fee charge to the customers Dell Preferred AccountPlease reference the section of the terms and conditions titled ChargesCharges: A Late Payment Fee will be imposed if you fail to pay us the Total Minimum payment due in full by the Payment Due Date on your billing statementPlease understand all fees assessed to Mr***’s account have been assessed in accordance with the agreed upon Terms and Conditions of the Dell Preferred AccountAs of the date of this letter Mr***’s DPA balance is $Please keep in mind because interest accrues on his account daily he may have additional interest charges assessed on his next regular statementIn regard to Mr***’s statement he requested a buyout on numerous occasions, please note records indicate he called customer service on March 10, and inquired about a possible settlementThis is the first record of Mr [redacted] making this type of requestAt that time a case was opened for a member of our collections team to call Mr [redacted] back and discuss any Page possible optionsA callback was made later that day and the agent advised Mr [redacted] he did not qualify for a settlement at that timePlease note at the time of his request his account was only sixteen days past due and DFS does not offer settlements on accounts less than days past dueThere is no record of any other contacts from Mr [redacted] in regard to a buyoutFurthermore there is no record of him being placed on hold for minutesAt this time as Mr***’s DPA is now days past due, DFS is willing to offer him a settlement in the amount of $859.43, which equates to 80% of his remaining balanceIf Mr [redacted] would like to accept this offer he may contact Collections at ###-###-#### and make the settlement paymentShould Mr [redacted] accept the settlement agreement DFS will charge off his remaining account balance and submit an update to the credit bureaus to report his DFS tradeline as settled in full for less than the full balance and charged offPlease note, while DFS reports to the credit agencies, the credit report is the sole property of the agency generating the reportCurrently, DFS submits account information to Experian, Equifax, TransUnion and InnovisIf Mr*** should have any questions regarding his credit report he will need to contact Experian at ***-***-***, Equifax at ###-###-####, TransUnion at ###-###-####, Innovis at ###-###-#### or at the phone number on his credit reportWe hope this letter explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, [redacted] Executive Services Dell Financial Services
Complaint: [redacted] I am rejecting this response because: In several instances Dell split my payment ways when I only had accounts and an HONEST business has a grace period for payments If this is the way they want to conduct business, fine but word of mouth recommendations are what AMERICA was built on and I will be spreading the word as far and wide as I am able Revdex.com, you can protect companies with unscrupulous business practices whenever you like I will spread the word Regards, [redacted]
Please see the attached response.Dear Madam or Sir: We are in receipt of a complaint from [redacted] , originally addressed to the Revdex.comThe complaint was sent to Dell Financial Services (“DFS”) electronically through the online Revdex.com portal on April 17, In the complaint Mr [redacted] states the following: ? He made a purchase in July 2016, $of which was charged to his Dell Preferred Account (“DPA”)When his billing statement arrived though it had a printer on it as well which he did not order or receive? He has called customer service on multiple occasions and has been told his bill would be adjusted however it never wasDFS records indicate that on August 25, Mr [redacted] applied and was approved for a DPA with a credit limit of $5,and a corresponding Annual Percentage Rate (APR) of 19.99%Mr [redacted] made purchases with Dell totaling $1,between August and October He paid his DPA in full in January In July 2016, he made a purchase with Dell totaling $299.77, $of which was charged to his DPAThe printer purchase he references had been placed on his DPA in June in the amount of $Mr [redacted] ’s July billing statement reflected a balance of $Records indicate that Mr [redacted] first contacted DFS regarding the order he did not place on September 29, 2016, and at that time a fraud investigation was openedDuring the investigation it was determined that the order was not a result of fraud rather it was an order that posted to Mr [redacted] ’s DPA in errorOn December 20, a credit of $posted to Mr [redacted] ’s account to adjust for the mis-posted orderRecords indicate that customer service spoke with Mr [redacted] on December 20, to advise of the creditA late fee credit was processed as well in December and a follemail was sent to the customer on December 30, as promisedAs DFS did not receive payment for Mr [redacted] ’s valid order, late fees and interest continued to accruePlease note that we have now waived all subsequent late fee charges bringing Mr [redacted] ’s DPA balance to $58.21, which is $for the order and $in accrued interestHis next payment due date as reflected on his April billing statement is May 4, In addition we have submitted an update to the credit bureaus to remove the delinquent notations that have been reported as a result of this issuePlease allow – days for the changes to reflect on his credit reportWhile DFS reports to the credit agencies, the credit report is the sole property of the agency generating the reportCurrently, DFS submits account information to Experian, Equifax, TransUnion and InnovisIf Mr [redacted] should have any questions regarding his credit report he will need to contact Experian at ###-###-####, Equifax Page at ###-###-####, TransUnion at ###-###-####, Innovis at ###-###-#### or at the phone number on his credit reportWe hope this letter explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, [redacted] Executive Services Dell Financial Services
Please see the attached responseDear Madam or Sir: We are in receipt of a complaint from [redacted] originally addressed to the Revdex.comThe complaint was originally sent to Dell Financial Services (“DFS”) electronically through the online Revdex.com portal on January 30, In the complaint Ms [redacted] states the following: ? She has sent in the required paperwork to have the Annual Percentage Rate (APR) on her Dell Preferred Account (“DPA”) reduced to 6% according to the Service members Civil Relief Act (SCRA), however she has yet to receive this benefitDFS records indicate that on April 13, Ms [redacted] applied and was approved for a DPA with a credit limit of $4,and a corresponding variable APR of 20.24%At the time the account was opened Ms [redacted] placed an equipment order with Dell for computer equipment totaling $Ms [redacted] then made additional purchases in October and April for a total of $2,Please be advised that on February 2, Ms [redacted] first contacted DFS and requested her account be adjusted according to the SCRAAt that time Ms [redacted] was asked to fax in a copy of her active duty ordersDFS received the requested orders on February 5, 2010, and on February 15, Ms [redacted] ’s account was adjusted according to the SCRAThis adjustment included lowering her APR to 6% for months, effective from her active duty date of October 18, An interest credit adjustment in the amount of $was processed at this time for the difference in interest assessed to her since her active duty dateAn additional credit of $in accrued deferred interest was also processed, along with $late fees, a $convenience fee and a $insufficient funds feeOn April 15, 2014, after the month period for which Ms [redacted] ’s account was placed under SCRA had expired, she contacted DFS and was told she would need to fax in an updated copy of her active duty orders in order to be considered for the SCRA againNo orders were received and there was no further contact from Ms [redacted] until she contacted DFS once again on December 30, During this call Ms [redacted] again requested her account be adjusted according to the SCRAMs [redacted] was told at this time that her account would be reviewed per her requestOn January 5, a customer service representative called Ms [redacted] and advised that we would need a copy of her active duty orders once again to consider her account for the SCRAMs [redacted] sent copies of her active duty orders to DFS on January and 11, 2017, however these copies were not legibleDFS tried to reach Ms [redacted] by phone to ask for a legible copy of her orders on January and 13, but reached a voicemailThen on January 14, DFS received another illegible copyOn January 16, MsPage [redacted] called customer service and was told that the previous copies of her orders were too small and unreadableOn January 18, Ms [redacted] sent in two more illegible copies before sending a clear copyA customer service representative called Ms [redacted] on January 19, to advise that we received a clear copy of her orders and would proceed with determining if she qualified for the adjustments and processing them if she did qualifyOn January 23, Ms [redacted] ’s DPA was adjusted according to the SCRA from her active duty date of January 21, for days (expiring January 31, 2019)At that time a waiver of $was processed to adjust for the overage of interest and late fees charged to her DPA between her active duty date and the date her account was placed under SCRAOn January 26, a customer service representative spoke with Ms [redacted] and advised of the adjustments and that her DPA balance was now $Please note that Ms [redacted] had advised DFS that she felt her account should be paid in full as her active duty period began in 2009, however the documents received show an active duty start date of January 21, Ms [redacted] contends that she has been on active duty continuously since October 2009, however did not send orders reflecting the service datesDFS has verified the active duty dates listed on the government website we use to verify active duty, and we have now adjusted her DPA APR to 6% for the dates of January 15, to January 20, as wellThis resulted in additional credits to Ms [redacted] ’s DPA totaling $920.77, and a DPA credit balance of $We have processed a refund in the amount of the credit balance which Ms [redacted] can expect to receive within 7-business daysIn regard to Ms [redacted] ’s comments that she requested updates via email, yet continued to receive phone calls, please note that we do not have record of a request to communicate via email onlyWe regret any inconvenience this may have causedFor future reference Customer Service agents are available Monday – Friday from 8AM- 8PM CSTPlease note that while an account is receiving SCRA benefits it will not be assessed late fee charges, however the customer is still responsible for minimum monthly paymentsMs [redacted] ’s DPA was closed due to delinquency on June 11, when her account became days delinquentAs a result of the additional credits issued, DFS has submitted a correction to the credit bureaus to reflect Ms [redacted] ’s account as paid/current with a $balance and closed by credit grantorPlease allow – days for the changes to reflect on her credit reportWhile DFS reports to the credit agencies, the credit report is the sole property of the agency generating the reportCurrently, DFS submits account information to Experian, Equifax, TransUnion and InnovisIf Ms [redacted] should have any questions regarding her credit report she will need to contact Experian at ###-###-####, Equifax at ###-###-####, TransUnion at ###-###-####, Innovis at ###-###-#### or at the phone number on her credit reportWe hope this letter helps explain and resolve this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, [redacted] Executive Services Dell Financial Services
Please see the attached responseDear Revdex.com Representative: We are in receipt of a complaint from [redacted] , originally addressed to the Revdex.comIn his complaint Mr [redacted] states that although he has paid his Dell Preferred Account (“DPA”) balance in full, Dell Financial Services (“DFS”) has yet to release a lien filed against himRecords indicate that Mr [redacted] ’s DPA was closed due to delinquency on August 19, 2007, and later charged-off with a $balance on December 24, On January 16, DFS was awarded a judgmentA final payment was made towards the judgment on March 26, 2015, in the amount of $221.50, however we have no record of a previous request to release the lienA paid in full letter was sent to the customer on April 22, Upon receiving Mr [redacted] ’s request through your office we have filed a Satisfaction of Judgment with the [redacted] CourthouseWe hope this letter explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, [redacted] Executive Services Dell Financial Services
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] ***
Please see the attached responseDear Madam or Sir: We are in receipt of a complaint from [redacted] ***, originally addressed to the Revdex.comThe complaint was sent to Dell Financial Services (“DFS”) electronically through the online Revdex.com portal on April 25, In the complaint Ms [redacted] states the following: ? On April 3, she mistakenly sent a payment in the amount of $to DFS to pay her Dell Preferred Account (“DPA”) which has been paid off for years? She has been calling to times a week and no one has been able to help her resolve this issue and get a refund sent to herPlease understand that DFS received the referenced payment however as we do not have an active account for Ms [redacted] we refunded the funds back to the account from which they were paidThis refund was completed electronically on April 10, If Ms [redacted] has not yet received these funds we recommend she contact her personal financial institution so that they may research on their end and provide the refund to herWe regret any inconvenience this matter may have caused to Ms [redacted] and we thank her for bringing it to our attentionPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, [redacted] Executive Services Dell Financial Services
Complaint: I am rejecting this response because:Thank you for contacting me regarding my complaintI will look at my statements, because I do not believe I have (or more ) late payments on this accountI see that dealing with this company is one thing I will never do again, and will warn anyone who speaks of purchasing a computer from this company, not to buy it on timeI am very disappointed with this company's business practices, but I will pay this bill off because my credit is more important to meThank you for your help in this matter, though the outcome was not favorable to meThis company has made it a practice to rip off people who make the mistake of putting their trust in themAgain, thank you for you involvementIf you can think of any other recourse available to me, please advise Regards, [redacted]
Please see the attached responseDear Revdex.com Representative: We are in receipt of the follcomplaint from [redacted] We appreciate the customers desire to have his concerns addressed to his satisfactionPlease be advised Dell does not record all Sales calls, and the calls that are recorded are only stored for thirty days, therefore Dell would no longer have a copy of the call recording Mr [redacted] is requestingAs previously stated Dell Financial Services (“DFS”) sent emails to Mr [redacted] advising his billing statement was available for viewing each monthDFS is not responsible for these emails going to Mr [redacted] ’s spam folderOnce again, all fees assessed to Mr [redacted] ’s 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 DFS has now processed a waiver of the $in deferred interestMr [redacted] made a payment of $on May 25, 2016, and his DPA now has a $balanceWe hope this letter resolves this issue with finalityPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, [redacted] Executive Services Dell Financial Services
please see the attached response and supporting document Dear Revdex.com Representative: We are in receipt of a complaint from [redacted] , originally addressed to the Revdex.comIn her complaint Ms [redacted] expresses concern regarding the balance on her Dell Preferred Account (“DPA”) as she states she had previously received billing statements reflecting a zero balanceDell Financial Services (“DFS”) records indicate on June 30, Ms [redacted] applied and was approved for a Dell Preferred Account with a credit limit of $and a corresponding APR of 29.99%The terms of the credit agreement, including the Annual Percentage Rate (APR), were disclosed to Ms [redacted] at the time her application for credit was approvedOur records indicate Ms [redacted] accepted the terms of the credit agreementAdditionally, the terms and conditions of Ms [redacted] ’s credit agreement were mailed to her within hours of her approval for creditThe terms and conditions give the customer three (3) days to contact us to reject the credit agreementOur records indicate Ms [redacted] did not contact us to reject the DPA credit agreementAt the time of the account opening Ms [redacted] placed three orders with Dell in the amounts of $481.88, $and $Ms [redacted] returned the first two purchases for a full Dell credit, however the purchase amounting to $was credited twiceThis over-credit, along with payments Ms [redacted] had made towards the purchases amounting to $resulted in a credit balance of $On February 25, a refund check for this amount was mailed to Ms [redacted] Please see the attached copy of this check confirming it was cashed on March 10, On August 11, DFS realized the error in the over-credit and the amount of the over-credit, $was placed back onto Ms [redacted] ’s DPAWe apologize for any inconvenience caused to Ms [redacted] by this error but please understand the balance as reflected on her billing statement is validWe regret this error wasn’t caught prior to Ms [redacted] being mailed billing statements reflecting a zero balance, leading her to believe she had no further obligation to DFSPlease note DFS has no record of the previous Revdex.com complaint as it appears to have been filed against DellFurthermore we have no record of a previous request to close Ms [redacted] ’s DPA however we have now closed her account per her requestPlease be advised there has been no negative impact to Ms [redacted] ’s credit as a result of the recent action on her accountMs [redacted] ’s first billing statement once again reflecting a balance was mailed on August 14, and has a payment due date of September 9, We hope this letter and the attached supporting document helps to explain and resolve this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, [redacted] Executive Services Dell Financial Services
Please see the attached responseDear Revdex.com Representative: We are in receipt of a complaint from [redacted] ***, originally addressed to the Revdex.comIn her complaint Ms [redacted] states that she was not told that her March purchase was qualified for a promotionShe states that the promotion expired and a charge of $was added to her Dell Preferred Account (“DPA”) balanceDell Financial Services (“DFS”) records indicate that on January 22, Ms [redacted] applied online 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 ***ual Percentage Rate (APR), were disclosed to Ms [redacted] at the time her application for credit was approvedOur records indicate that Ms [redacted] accepted the terms of the credit agreementAdditionally, the terms and conditions of Ms***’s credit agreement were mailed to her within hours of her approval for creditThe terms and conditions give the customer three (3) days to contact us to reject the credit agreementOur records indicate that Ms [redacted] did not contact us to reject the DPA credit agreementPlease be advised that at the time of the account opening Ms [redacted] placed an order with Dell in the amount of $Ms [redacted] then made several additional purchases between July and April 2015, totaling $Please note that Ms***’s March purchase, which totaled $901.50, 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 April 4, As Ms***’s promotional plan had a remaining balance on April 5, 2016, the promotional financing feature expired and billed deferred interest charges were assessed to her DPA in the amount of $Ms***’s previous purchases did not qualify for a promotional financing featureRecords indicate that Ms***’s March promotional purchase was placed online and not with a sales representativeIf the purchase was made with a sale representative they would have advised Ms [redacted] of the promotional financing feature for which her order was qualifiedAs the order was placed online, Ms [redacted] received a message at the time of purchase advising of the details of the promotional financing featurePromotional credit plans as well as any items purchased under a “regular” or interest-bearing plan are listed on the customer’s billing statement each month under the section titled Interest Charge CalculationPlease reference the Dell Preferred Account Terms and Conditions: No Interest Credit Plan - If you pay the full purchase price before the expiration date of the promotion, as indicated on your billing statement, and pay the Minimum Payment Due each Billing Period when due, no Interest Charges will be imposed on the purchaseIf such payments are not made, Interest Charges from the date of shipment will be added to your Account either when you fail to make a payment during the promotion period or at the end of the promotion periodWe may offer promotion periods of different lengths that we will ***ounce from time to timePage Additionally, please note, on each of the statements prior to the promotion expiration date, DFS listed the promotion expiration date in the Interest Charge Calculation sectionThis area is outlined in a thickened box for Ms***’s referencePlease understand that all fees assessed to Ms***’s account have been assessed in accordance with the agreed upon Terms and Conditions of the Dell Preferred Account, however upon contacting customer service on May 3, she was provided with a courtesy waiver of $of the deferred interest charges that were assessed to her DPA on April 8, We must respectfully decline to waive the remainder of the deferred interest chargesAs of the date of this letter Ms***’s DPA balance is $Please keep in mind that because interest accrues on her account daily she may have additional interest charges assessed on her next regular statementWe hope this letter explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, [redacted] Executive Services Dell Financial Services
Please see the attached responseDear Revdex.com Representative: We are in receipt of a complaint from [redacted] ***, originally addressed to the Revdex.comIn her complaint Ms [redacted] expresses concern regarding her outstanding Dell Preferred Account (“DPA”) balanceDell Financial Services (“DFS”) records indicate on February 21, Ms [redacted] applied and was approved for a DPA with a credit limit of $and a corresponding APR of 29.99%The terms of the credit agreement, including the Annual Percentage Rate (APR), were disclosed to Ms [redacted] at the time her application for credit was approvedOur records indicate Ms [redacted] accepted the terms of the credit agreementAdditionally, the terms and conditions of Ms***’s credit agreement were mailed to her within hours of her approval for creditThe terms and conditions give the customer three (3) days to contact us to reject the credit agreementOur records indicate Ms [redacted] did not contact us to reject the DPA credit agreementPlease be advised at the time the account was opened Ms [redacted] placed an order with Dell for computer equipment totaling $Ms [redacted] then made seven additional purchases between April and November 2015, totaling $Please note the Dell Preferred Account is an open end account so when the account will be paid in full depends upon factors such as whether and how often excess payments are made and whether additional purchases are made, or whether fees assessedThe customer can reduce the account balance faster by making payments larger than the minimum amount duePlease refer to the Payment Information section of your billing statement under Minimum Payment Warning: “If you make only the minimum payment each period, you will pay more interest and it will take longer to pay off your balance.” Records indicate Ms [redacted] did not set her automatic payments up through the Dell Financial Services website; rather they look to be set up through her personal financial institutionPlease note if Ms*** were to set up her payments through the DFS website there is an option to pay the minimum payment plus an additional amount selected by the customerPlease understand all fees assessed to Ms***’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 provided a $credit in interest charges that have been assessed to her DPAAs of the date of this letter Ms***’s DPA balance is $Please keep in mind because interest accrues on her account daily she may have additional interest charges assessed on her next regular statementWe hope this letter helps to explain and resolve this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, [redacted] Executive Services Dell Financial Services
Complaint: [redacted] I am rejecting this response because: I understand that there are statements being sent thru my email that went to my spam emails due to excessive advertisementI will take the $waiver and pay $if they can show me the recording during the sale of my itemThe reason being is that I understand the way it was only disclosed to me on the phoneSince it was disclosed during the call that all calls are being recorded, I would like to have a copy of the recordingIf recording is not available I would like to have the interest charge waived and I will pay all my dues which is $840+, since I tried to call Dell Financial days after interest charged was billedI feel it would be fair if recording is available Regards, [redacted]
Complaint: [redacted] I am rejecting this response because:I have proof of paying in full and when I got the very small refund checks.On Jan 20, I paid $late charges and I don't know who informed you that I didn't have the statements for January as I am looking at a "O" balance on Jan 17,2017(last number of account being Now on #I paid $1,and then was told to pay $Which according to my statement paid the account in fullI talked to " [redacted] in the conseige I paid $for the concigne ###-###-#### and cancelled the program On 9/12/On #I had an Paid in Full and "0" balance with a $3,available credit I called Tech service and the gentleman (will not give his name at this time) told me yes I did have a refund because I had paid for this before I should (expiration date in the future) and he said I cleared this end and you need to get with billing and tell them everything is OK at my endWhich I did, many time and one of the last people said (customer service here) that I did indeed have a credit coming on both of the ordersI said all I wanted was the one I paid in advanceThen I didn't hear anything and I will be happy to send ALL MY STATMENTS or copies that is and go for it allDell has some mis-informed people working for them and I gave the last dollar to themWhen this computer went down I had been with them since First time I have had a problemThank you Revdex.com I know you are trying, but I am years young and I just didn't want to give the money to Dell Regards, [redacted]
Please see the attached responseDear Revdex.com Representative: We are in receipt of a complaint from [redacted] , originally addressed to the Revdex.comIn her complaint Ms [redacted] states that she paid her Dell Preferred Account (“DPA”) balance in full however she received a late fee chargeMs [redacted] states that she paid this late fee charge however she was assessed compounding late fee charges totaling $She states she has been receiving phone calls regarding her balance, and that her account has been reported negatively to the credit bureausDell Financial Services (“DFS”) records indicate that on August 23, Ms [redacted] applied and was approved for a Dell Preferred Account with a credit limit of $and a corresponding APR of 19.99%The terms of the credit agreement, including the Annual Percentage Rate (APR), were disclosed to Ms [redacted] at the time her application for credit was approvedOur records indicate that Ms [redacted] accepted the terms of the credit agreementAdditionally, the terms and conditions of Ms [redacted] ’ credit agreement were mailed to her within hours of her approval for creditThe terms and conditions give the customer three (3) days to contact us to reject the credit agreementOur records indicate that Ms [redacted] did not contact us to reject the DPA credit agreementPlease be advised that at the time the account was opened Ms [redacted] placed an equipment order with Dell for computer equipment totaling $This purchase was qualified for a promotional financing feature of no interest, if paid in full within twelve (12) monthsIn order to avoid interest charges, the Total Dell Order amount was to have been received on or before September 4, Records indicate that Ms [redacted] made a payment of $on January 13, 2016, which would have paid her remaining DPA balance in full had it been received by her January 4, due date as reflected on her December billing statementBecause payment was not received by her due date a late fee charge was assessed to her DPA in the amount of $Ms [redacted] made a payment to DFS for the $balance on March 8, 2016, however because it was not received by the March 4, due date as reflected on her February billing statement another late fee charge was assessed, this time in the amount of $No further payments were received by Ms [redacted] until June 14, therefore two additional late fees were assessed in the amounts of $in April and $in MayOn June 14, Ms [redacted] made a payment of $while a $late fee charge was waived as a courtesyPlease 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 DPA terms and conditions titled ChargesCharges: A Late Payment Fee will be imposed if you fail to pay us the Total Minimum payment due in full by the Payment Due Date on your billing statementAll fees assessed to Ms [redacted] ’ account have been assessed in accordance with the agreed upon terms and conditions of the Dell Preferred Account, therefore we must respectfully Page decline to refund the $she paid in late fee chargesFurthermore DFS must respectfully decline to remove any negative credit reporting as DFS must comply with the provisions of FCRA and the amendments as outlined by FACTAFCRA requires that creditors accurately report a customer’s credit history and prohibits creditors from reporting information they know to be inaccurateWhile DFS reports to the credit agencies, the credit report is the sole property of the agency generating the reportCurrently, DFS submits account information to Experian, Equifax, TransUnion and InnovisIf Ms [redacted] should have any questions regarding her credit report she will need to contact Experian at ###-###-####, Equifax at ###-###-####, TransUnion at 800-916-8800, Innovis at ###-###-#### or at the phone number on her credit reportWith regard to Ms [redacted] ’ comments of phone calls being made to her in reference to the past due amount on her DPA, please understand DFS reserves the right to contact a customer if the monthly minimum payment is not made in full by the applicable due dateWe hope this letter explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, [redacted] Executive Services Dell Financial Services
Please see the attached responseDear Revdex.com Representative: We are in receipt of a complaint from [redacted] ***, originally addressed to the Revdex.comIn her complaint Ms [redacted] states that she notified Dell every month since June of her address change however her address as reflected on her Dell Preferred Account (“DPA”) has not been changed which is causing her to incur late fee chargesDell Financial Services (“DFS”) records indicate that Ms [redacted] has two accounts, DPA ending in was opened on May 20, and remains open and current with a $balanceOn January 18, Ms [redacted] made an Alienware purchase and Alienware Titanium Account (“ATA”) ending in was openedPlease note that this account was closed per Ms***’ request on November 18, 2009, and currently has a $balancePlease be advised that the billing address on the DPA was updated to the address that Ms [redacted] provided to the Revdex.com on June 20, DFS received two more requests to update the address on this account in December and January however no action was taken as the address had previously been updatedThere was no address change request on the ATA until April 4, 2016, at which point the address was updated to the address Ms [redacted] provided to the Revdex.comPlease understand that it is the responsibility of the customer to ensure that her billing address is updated by notifying DFS of her new address on each of her financial accounts with usPlease reference the terms and conditions regarding change of address: Change of AddressIf you move or change your billing address or e-mail address, you agree to promptly notify us of your new address in writing or online at www[redacted] .comAfter reviewing the payment history on the ATA, DFS finds that Ms***’ minimum monthly payment amount was received late on three occasions since she stated she notified us of the address change in June These late fees totaled $Please note that one of the late fees, $15.00, was waived as a courtesy to Ms [redacted] when she contacted customer service by mail in April, Please 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 ChargesCharges: A Late Payment Fee will be imposed if you fail to pay us the Total Minimum payment due in full by the Payment Due Date on your billing statementAll fees assessed to Ms***’ accounts have been assessed in accordance with the agreed upon terms and conditions, therefore we must respectfully decline any further waiversPlease keep in mind that because interest accrues on her accounts daily she may have additional interest charges assessed on her next regular statements, which are set to generate for each account on the 25thWe hope this letter explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, [redacted] Executive Services Dell Financial Services
Dear Revdex.com Representative: We are in receipt of a complaint from [redacted] ***, originally addressed to the Revdex.comIn her complaint Ms [redacted] expresses concern regarding the assessment of a late fee to her Dell Preferred Account (“DPA”)Ms [redacted] states that she encountered technical difficulties with the Dell Financial Services (“DFS”) website, as well as issues while attempting to pay by phoneShe also cites Dell related issues in regards to her initial purchase and the functionality of her initial purchasePlease understand that as a global provider of financial services, DFS has locations around the world, and as such, we utilize these resources to support our customersDFS records indicate that on June 03, Ms [redacted] applied online 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 Ms [redacted] at the time she accepted the terms of the credit agreementAdditionally, the terms and conditions of Ms***’ credit agreement were mailed to her within hours of her approval for creditPlease be advised that on June 03, 2011, Ms [redacted] spoke to a Dell sales representative and placed an equipment order with Dell for computer equipment totaling $On June 04, an equipment order totaling $was placed onlinePlease note that on October 13, Ms*** posted a complaint on Dell’s Facebook page and as a result of that complaint Dell has reached out to Ms [redacted] in order to address her Dell related concerns, including the second computer order and the technical issues with her systemsIn reference to Ms***’ concerns regarding making a payment via the DFS website, please note that on October 3rd, 5th and 6th, there was a brief period in which a customer would have received an error message when attempting to access their online DFS profile, however we have no record of Ms [redacted] attempting to access her profile on those datesMs***’ first attempted log in in October was on the 9thFurthermore DFS has no record of Ms [redacted] calling to make a payment by phone during this timeframeDFS did receive the emails Ms [redacted] references regarding her experience with attempting to make a payment, the first of which being on October 10, 2015, and did respond accordinglyDFS received payment from Ms [redacted] on October 14, in the amount of $As this payment was not received by the October 3rd due date as listed on Ms***’ September billing statement there was a $late fee charge assessed to her DPAPlease be advised that when customers are one day late, or do not satisfy their total monthly minimum due by their due date DFS will charge a late fee charge to the customers Dell Preferred AccountPlease reference the section of the DPA terms and conditions titled ChargesPage 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 statementAll fees assessed to Ms***’ 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 DFS processed a $interest charge waiver as well as a $late fee waiver on October 15, As of the date of this letter, Ms***’ account balance is $Please keep in mind that because interest accrues on her account daily she may have additional interest charges assessed on her next regular statementWe hope this letter explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationIf Ms [redacted] has any further Dell related concerns she may contact Dell customer service at 800-624-Sincerely, [redacted] Executive Services Dell Financial Services
Please see the attached response.Dear Madam or Sir: We are in receipt of a complaint from [redacted] , originally addressed to the Revdex.com and forwarded to Dell Financial Services (“DFS”) electronically through the online Revdex.com portal on January 17, In the complaint Mr [redacted] states the following: ? He has returned his entire order from September however his Dell Preferred Account (“DPA”) keeps getting billed for an extended maintenance agreement? He’s now filed five complaints regarding this matter? He would like a permanent credit to his account and would like Dell to ensure this issue does not occur againDFS received and responded to two previous complaints from Mr [redacted] regarding an error which caused the $credit for an extended maintenance agreement to reverse, resulting in this charge re-posting to his DPADue to human error, the account was credited and debited for the same transaction multiple timesAs of January 30, 2017, Mr [redacted] ’s DPA balance is once again zeroWe hope Mr [redacted] can accept our sincere apologies for this inconvenienceI ask that Mr [redacted] please contact me directly if he has any further concerns regarding his accountSincerely, [redacted] Customer Care Analyst Dell Financial Services P: (512) 728-F: (512) [email protected]
Please see the attached responseDear Madam or Sir: We are in receipt of the complaint from [redacted] ***, originally addressed to the Revdex.com and forwarded to Dell Financial Services (“DFS”) electronically through the online Revdex.com portal on April 17, In the complaint Mr [redacted] states the following: ? He reported a fraudulent order on his account however is still receiving email and mail regarding it? He would like confirmation that his account and all personal information have been deleted from our systemDFS 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 be advised that DFS was unable to locate an account for Mr [redacted] using the information provided in his complaintWe ask that Mr [redacted] provide an account number or any other information associated with his account that may help us locate it and assist with this issueHe may send this information through your office, or he may send it directly to me using my contact information belowWe regret any inconvenience this matter may have caused to Mr [redacted] and thank him for bringing this matter to our attentionSincerely, [redacted] Executive Services Dell Financial Services [redacted] @Dell.com P: ###-###-#### F: ###-###-####
Please see the attached response Dear Revdex.com Representative: We are in receipt of a complaint from [redacted] ***, originally addressed to the Revdex.comIn his complaint Mr [redacted] expresses concern regarding the outstanding balance on his Dell Preferred Account (“DPA”)Mr [redacted] states he would like a buyout for less than the full remaining balanceDell Financial Services (“DFS”) records indicate on July 29, 2005, Mr [redacted] applied and was approved for a Dell Preferred Account with a credit limit of $and a corresponding APR of 29.99%The terms of the credit agreement, including the Annual Percentage Rate (APR), were disclosed to Mr [redacted] at the time his application for credit was approvedOur records indicate Mr [redacted] accepted the terms of the credit agreementAdditionally, the terms and conditions of Mr***’s credit agreement were mailed to him within hours of his approval for creditThe terms and conditions give the customer three (3) days to contact us to reject the credit agreementOur records indicate Mr [redacted] did not contact us to reject the DPA credit agreementPlease be advised at the time of the account opening Mr [redacted] placed an order with Dell totaling $Mr [redacted] made ten additional purchases between November and September totaling $Please note the Dell Preferred Account is an open end account so when the account will be paid in full depends upon factors such as whether and how often excess payments are made, whether additional purchases are made, or whether fees are assessedThe customer can reduce the account balance faster by making payments larger than the minimum amount dueAfter reviewing Mr***’s payment history, DFS finds his minimum monthly payment amount was received late on fifty-seven occasions, totaling $in late fee chargesPlease be advised when customers are one day late DFS will charge a late fee charge to the customers Dell Preferred AccountPlease reference the section of the terms and conditions titled ChargesCharges: A Late Payment Fee will be imposed if you fail to pay us the Total Minimum payment due in full by the Payment Due Date on your billing statementPlease understand all fees assessed to Mr***’s account have been assessed in accordance with the agreed upon Terms and Conditions of the Dell Preferred AccountAs of the date of this letter Mr***’s DPA balance is $Please keep in mind because interest accrues on his account daily he may have additional interest charges assessed on his next regular statementIn regard to Mr***’s statement he requested a buyout on numerous occasions, please note records indicate he called customer service on March 10, and inquired about a possible settlementThis is the first record of Mr [redacted] making this type of requestAt that time a case was opened for a member of our collections team to call Mr [redacted] back and discuss any Page possible optionsA callback was made later that day and the agent advised Mr [redacted] he did not qualify for a settlement at that timePlease note at the time of his request his account was only sixteen days past due and DFS does not offer settlements on accounts less than days past dueThere is no record of any other contacts from Mr [redacted] in regard to a buyoutFurthermore there is no record of him being placed on hold for minutesAt this time as Mr***’s DPA is now days past due, DFS is willing to offer him a settlement in the amount of $859.43, which equates to 80% of his remaining balanceIf Mr [redacted] would like to accept this offer he may contact Collections at ###-###-#### and make the settlement paymentShould Mr [redacted] accept the settlement agreement DFS will charge off his remaining account balance and submit an update to the credit bureaus to report his DFS tradeline as settled in full for less than the full balance and charged offPlease note, while DFS reports to the credit agencies, the credit report is the sole property of the agency generating the reportCurrently, DFS submits account information to Experian, Equifax, TransUnion and InnovisIf Mr*** should have any questions regarding his credit report he will need to contact Experian at ***-***-***, Equifax at ###-###-####, TransUnion at ###-###-####, Innovis at ###-###-#### or at the phone number on his credit reportWe hope this letter explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, [redacted] Executive Services Dell Financial Services
Complaint: [redacted] I am rejecting this response because: In several instances Dell split my payment ways when I only had accounts and an HONEST business has a grace period for payments If this is the way they want to conduct business, fine but word of mouth recommendations are what AMERICA was built on and I will be spreading the word as far and wide as I am able Revdex.com, you can protect companies with unscrupulous business practices whenever you like I will spread the word Regards, [redacted]
Please see the attached response.Dear Madam or Sir: We are in receipt of a complaint from [redacted] , originally addressed to the Revdex.comThe complaint was sent to Dell Financial Services (“DFS”) electronically through the online Revdex.com portal on April 17, In the complaint Mr [redacted] states the following: ? He made a purchase in July 2016, $of which was charged to his Dell Preferred Account (“DPA”)When his billing statement arrived though it had a printer on it as well which he did not order or receive? He has called customer service on multiple occasions and has been told his bill would be adjusted however it never wasDFS records indicate that on August 25, Mr [redacted] applied and was approved for a DPA with a credit limit of $5,and a corresponding Annual Percentage Rate (APR) of 19.99%Mr [redacted] made purchases with Dell totaling $1,between August and October He paid his DPA in full in January In July 2016, he made a purchase with Dell totaling $299.77, $of which was charged to his DPAThe printer purchase he references had been placed on his DPA in June in the amount of $Mr [redacted] ’s July billing statement reflected a balance of $Records indicate that Mr [redacted] first contacted DFS regarding the order he did not place on September 29, 2016, and at that time a fraud investigation was openedDuring the investigation it was determined that the order was not a result of fraud rather it was an order that posted to Mr [redacted] ’s DPA in errorOn December 20, a credit of $posted to Mr [redacted] ’s account to adjust for the mis-posted orderRecords indicate that customer service spoke with Mr [redacted] on December 20, to advise of the creditA late fee credit was processed as well in December and a follemail was sent to the customer on December 30, as promisedAs DFS did not receive payment for Mr [redacted] ’s valid order, late fees and interest continued to accruePlease note that we have now waived all subsequent late fee charges bringing Mr [redacted] ’s DPA balance to $58.21, which is $for the order and $in accrued interestHis next payment due date as reflected on his April billing statement is May 4, In addition we have submitted an update to the credit bureaus to remove the delinquent notations that have been reported as a result of this issuePlease allow – days for the changes to reflect on his credit reportWhile DFS reports to the credit agencies, the credit report is the sole property of the agency generating the reportCurrently, DFS submits account information to Experian, Equifax, TransUnion and InnovisIf Mr [redacted] should have any questions regarding his credit report he will need to contact Experian at ###-###-####, Equifax Page at ###-###-####, TransUnion at ###-###-####, Innovis at ###-###-#### or at the phone number on his credit reportWe hope this letter explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, [redacted] Executive Services Dell Financial Services
Please see the attached responseDear Madam or Sir: We are in receipt of a complaint from [redacted] originally addressed to the Revdex.comThe complaint was originally sent to Dell Financial Services (“DFS”) electronically through the online Revdex.com portal on January 30, In the complaint Ms [redacted] states the following: ? She has sent in the required paperwork to have the Annual Percentage Rate (APR) on her Dell Preferred Account (“DPA”) reduced to 6% according to the Service members Civil Relief Act (SCRA), however she has yet to receive this benefitDFS records indicate that on April 13, Ms [redacted] applied and was approved for a DPA with a credit limit of $4,and a corresponding variable APR of 20.24%At the time the account was opened Ms [redacted] placed an equipment order with Dell for computer equipment totaling $Ms [redacted] then made additional purchases in October and April for a total of $2,Please be advised that on February 2, Ms [redacted] first contacted DFS and requested her account be adjusted according to the SCRAAt that time Ms [redacted] was asked to fax in a copy of her active duty ordersDFS received the requested orders on February 5, 2010, and on February 15, Ms [redacted] ’s account was adjusted according to the SCRAThis adjustment included lowering her APR to 6% for months, effective from her active duty date of October 18, An interest credit adjustment in the amount of $was processed at this time for the difference in interest assessed to her since her active duty dateAn additional credit of $in accrued deferred interest was also processed, along with $late fees, a $convenience fee and a $insufficient funds feeOn April 15, 2014, after the month period for which Ms [redacted] ’s account was placed under SCRA had expired, she contacted DFS and was told she would need to fax in an updated copy of her active duty orders in order to be considered for the SCRA againNo orders were received and there was no further contact from Ms [redacted] until she contacted DFS once again on December 30, During this call Ms [redacted] again requested her account be adjusted according to the SCRAMs [redacted] was told at this time that her account would be reviewed per her requestOn January 5, a customer service representative called Ms [redacted] and advised that we would need a copy of her active duty orders once again to consider her account for the SCRAMs [redacted] sent copies of her active duty orders to DFS on January and 11, 2017, however these copies were not legibleDFS tried to reach Ms [redacted] by phone to ask for a legible copy of her orders on January and 13, but reached a voicemailThen on January 14, DFS received another illegible copyOn January 16, MsPage [redacted] called customer service and was told that the previous copies of her orders were too small and unreadableOn January 18, Ms [redacted] sent in two more illegible copies before sending a clear copyA customer service representative called Ms [redacted] on January 19, to advise that we received a clear copy of her orders and would proceed with determining if she qualified for the adjustments and processing them if she did qualifyOn January 23, Ms [redacted] ’s DPA was adjusted according to the SCRA from her active duty date of January 21, for days (expiring January 31, 2019)At that time a waiver of $was processed to adjust for the overage of interest and late fees charged to her DPA between her active duty date and the date her account was placed under SCRAOn January 26, a customer service representative spoke with Ms [redacted] and advised of the adjustments and that her DPA balance was now $Please note that Ms [redacted] had advised DFS that she felt her account should be paid in full as her active duty period began in 2009, however the documents received show an active duty start date of January 21, Ms [redacted] contends that she has been on active duty continuously since October 2009, however did not send orders reflecting the service datesDFS has verified the active duty dates listed on the government website we use to verify active duty, and we have now adjusted her DPA APR to 6% for the dates of January 15, to January 20, as wellThis resulted in additional credits to Ms [redacted] ’s DPA totaling $920.77, and a DPA credit balance of $We have processed a refund in the amount of the credit balance which Ms [redacted] can expect to receive within 7-business daysIn regard to Ms [redacted] ’s comments that she requested updates via email, yet continued to receive phone calls, please note that we do not have record of a request to communicate via email onlyWe regret any inconvenience this may have causedFor future reference Customer Service agents are available Monday – Friday from 8AM- 8PM CSTPlease note that while an account is receiving SCRA benefits it will not be assessed late fee charges, however the customer is still responsible for minimum monthly paymentsMs [redacted] ’s DPA was closed due to delinquency on June 11, when her account became days delinquentAs a result of the additional credits issued, DFS has submitted a correction to the credit bureaus to reflect Ms [redacted] ’s account as paid/current with a $balance and closed by credit grantorPlease allow – days for the changes to reflect on her credit reportWhile DFS reports to the credit agencies, the credit report is the sole property of the agency generating the reportCurrently, DFS submits account information to Experian, Equifax, TransUnion and InnovisIf Ms [redacted] should have any questions regarding her credit report she will need to contact Experian at ###-###-####, Equifax at ###-###-####, TransUnion at ###-###-####, Innovis at ###-###-#### or at the phone number on her credit reportWe hope this letter helps explain and resolve this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, [redacted] Executive Services Dell Financial Services
Please see the attached responseDear Revdex.com Representative: We are in receipt of a complaint from [redacted] , originally addressed to the Revdex.comIn his complaint Mr [redacted] states that although he has paid his Dell Preferred Account (“DPA”) balance in full, Dell Financial Services (“DFS”) has yet to release a lien filed against himRecords indicate that Mr [redacted] ’s DPA was closed due to delinquency on August 19, 2007, and later charged-off with a $balance on December 24, On January 16, DFS was awarded a judgmentA final payment was made towards the judgment on March 26, 2015, in the amount of $221.50, however we have no record of a previous request to release the lienA paid in full letter was sent to the customer on April 22, Upon receiving Mr [redacted] ’s request through your office we have filed a Satisfaction of Judgment with the [redacted] CourthouseWe hope this letter explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, [redacted] Executive Services Dell Financial Services
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] ***
Please see the attached responseDear Madam or Sir: We are in receipt of a complaint from [redacted] ***, originally addressed to the Revdex.comThe complaint was sent to Dell Financial Services (“DFS”) electronically through the online Revdex.com portal on April 25, In the complaint Ms [redacted] states the following: ? On April 3, she mistakenly sent a payment in the amount of $to DFS to pay her Dell Preferred Account (“DPA”) which has been paid off for years? She has been calling to times a week and no one has been able to help her resolve this issue and get a refund sent to herPlease understand that DFS received the referenced payment however as we do not have an active account for Ms [redacted] we refunded the funds back to the account from which they were paidThis refund was completed electronically on April 10, If Ms [redacted] has not yet received these funds we recommend she contact her personal financial institution so that they may research on their end and provide the refund to herWe regret any inconvenience this matter may have caused to Ms [redacted] and we thank her for bringing it to our attentionPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, [redacted] Executive Services Dell Financial Services
Complaint: I am rejecting this response because:Thank you for contacting me regarding my complaintI will look at my statements, because I do not believe I have (or more ) late payments on this accountI see that dealing with this company is one thing I will never do again, and will warn anyone who speaks of purchasing a computer from this company, not to buy it on timeI am very disappointed with this company's business practices, but I will pay this bill off because my credit is more important to meThank you for your help in this matter, though the outcome was not favorable to meThis company has made it a practice to rip off people who make the mistake of putting their trust in themAgain, thank you for you involvementIf you can think of any other recourse available to me, please advise Regards, [redacted]
Complaint: [redacted] I am rejecting this response because:they r still telling me to pay a late fee! Regards, [redacted] ***
Please see the attached responseDear Revdex.com Representative: We are in receipt of the follcomplaint from [redacted] We appreciate the customers desire to have his concerns addressed to his satisfactionPlease be advised Dell does not record all Sales calls, and the calls that are recorded are only stored for thirty days, therefore Dell would no longer have a copy of the call recording Mr [redacted] is requestingAs previously stated Dell Financial Services (“DFS”) sent emails to Mr [redacted] advising his billing statement was available for viewing each monthDFS is not responsible for these emails going to Mr [redacted] ’s spam folderOnce again, all fees assessed to Mr [redacted] ’s 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 DFS has now processed a waiver of the $in deferred interestMr [redacted] made a payment of $on May 25, 2016, and his DPA now has a $balanceWe hope this letter resolves this issue with finalityPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, [redacted] Executive Services Dell Financial Services
please see the attached response and supporting document Dear Revdex.com Representative: We are in receipt of a complaint from [redacted] , originally addressed to the Revdex.comIn her complaint Ms [redacted] expresses concern regarding the balance on her Dell Preferred Account (“DPA”) as she states she had previously received billing statements reflecting a zero balanceDell Financial Services (“DFS”) records indicate on June 30, Ms [redacted] applied and was approved for a Dell Preferred Account with a credit limit of $and a corresponding APR of 29.99%The terms of the credit agreement, including the Annual Percentage Rate (APR), were disclosed to Ms [redacted] at the time her application for credit was approvedOur records indicate Ms [redacted] accepted the terms of the credit agreementAdditionally, the terms and conditions of Ms [redacted] ’s credit agreement were mailed to her within hours of her approval for creditThe terms and conditions give the customer three (3) days to contact us to reject the credit agreementOur records indicate Ms [redacted] did not contact us to reject the DPA credit agreementAt the time of the account opening Ms [redacted] placed three orders with Dell in the amounts of $481.88, $and $Ms [redacted] returned the first two purchases for a full Dell credit, however the purchase amounting to $was credited twiceThis over-credit, along with payments Ms [redacted] had made towards the purchases amounting to $resulted in a credit balance of $On February 25, a refund check for this amount was mailed to Ms [redacted] Please see the attached copy of this check confirming it was cashed on March 10, On August 11, DFS realized the error in the over-credit and the amount of the over-credit, $was placed back onto Ms [redacted] ’s DPAWe apologize for any inconvenience caused to Ms [redacted] by this error but please understand the balance as reflected on her billing statement is validWe regret this error wasn’t caught prior to Ms [redacted] being mailed billing statements reflecting a zero balance, leading her to believe she had no further obligation to DFSPlease note DFS has no record of the previous Revdex.com complaint as it appears to have been filed against DellFurthermore we have no record of a previous request to close Ms [redacted] ’s DPA however we have now closed her account per her requestPlease be advised there has been no negative impact to Ms [redacted] ’s credit as a result of the recent action on her accountMs [redacted] ’s first billing statement once again reflecting a balance was mailed on August 14, and has a payment due date of September 9, We hope this letter and the attached supporting document helps to explain and resolve this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, [redacted] Executive Services Dell Financial Services
Please see the attached responseDear Revdex.com Representative: We are in receipt of a complaint from [redacted] ***, originally addressed to the Revdex.comIn her complaint Ms [redacted] states that she was not told that her March purchase was qualified for a promotionShe states that the promotion expired and a charge of $was added to her Dell Preferred Account (“DPA”) balanceDell Financial Services (“DFS”) records indicate that on January 22, Ms [redacted] applied online 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 ***ual Percentage Rate (APR), were disclosed to Ms [redacted] at the time her application for credit was approvedOur records indicate that Ms [redacted] accepted the terms of the credit agreementAdditionally, the terms and conditions of Ms***’s credit agreement were mailed to her within hours of her approval for creditThe terms and conditions give the customer three (3) days to contact us to reject the credit agreementOur records indicate that Ms [redacted] did not contact us to reject the DPA credit agreementPlease be advised that at the time of the account opening Ms [redacted] placed an order with Dell in the amount of $Ms [redacted] then made several additional purchases between July and April 2015, totaling $Please note that Ms***’s March purchase, which totaled $901.50, 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 April 4, As Ms***’s promotional plan had a remaining balance on April 5, 2016, the promotional financing feature expired and billed deferred interest charges were assessed to her DPA in the amount of $Ms***’s previous purchases did not qualify for a promotional financing featureRecords indicate that Ms***’s March promotional purchase was placed online and not with a sales representativeIf the purchase was made with a sale representative they would have advised Ms [redacted] of the promotional financing feature for which her order was qualifiedAs the order was placed online, Ms [redacted] received a message at the time of purchase advising of the details of the promotional financing featurePromotional credit plans as well as any items purchased under a “regular” or interest-bearing plan are listed on the customer’s billing statement each month under the section titled Interest Charge CalculationPlease reference the Dell Preferred Account Terms and Conditions: No Interest Credit Plan - If you pay the full purchase price before the expiration date of the promotion, as indicated on your billing statement, and pay the Minimum Payment Due each Billing Period when due, no Interest Charges will be imposed on the purchaseIf such payments are not made, Interest Charges from the date of shipment will be added to your Account either when you fail to make a payment during the promotion period or at the end of the promotion periodWe may offer promotion periods of different lengths that we will ***ounce from time to timePage Additionally, please note, on each of the statements prior to the promotion expiration date, DFS listed the promotion expiration date in the Interest Charge Calculation sectionThis area is outlined in a thickened box for Ms***’s referencePlease understand that all fees assessed to Ms***’s account have been assessed in accordance with the agreed upon Terms and Conditions of the Dell Preferred Account, however upon contacting customer service on May 3, she was provided with a courtesy waiver of $of the deferred interest charges that were assessed to her DPA on April 8, We must respectfully decline to waive the remainder of the deferred interest chargesAs of the date of this letter Ms***’s DPA balance is $Please keep in mind that because interest accrues on her account daily she may have additional interest charges assessed on her next regular statementWe hope this letter explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, [redacted] Executive Services Dell Financial Services
Please see the attached responseDear Revdex.com Representative: We are in receipt of a complaint from [redacted] ***, originally addressed to the Revdex.comIn her complaint Ms [redacted] expresses concern regarding her outstanding Dell Preferred Account (“DPA”) balanceDell Financial Services (“DFS”) records indicate on February 21, Ms [redacted] applied and was approved for a DPA with a credit limit of $and a corresponding APR of 29.99%The terms of the credit agreement, including the Annual Percentage Rate (APR), were disclosed to Ms [redacted] at the time her application for credit was approvedOur records indicate Ms [redacted] accepted the terms of the credit agreementAdditionally, the terms and conditions of Ms***’s credit agreement were mailed to her within hours of her approval for creditThe terms and conditions give the customer three (3) days to contact us to reject the credit agreementOur records indicate Ms [redacted] did not contact us to reject the DPA credit agreementPlease be advised at the time the account was opened Ms [redacted] placed an order with Dell for computer equipment totaling $Ms [redacted] then made seven additional purchases between April and November 2015, totaling $Please note the Dell Preferred Account is an open end account so when the account will be paid in full depends upon factors such as whether and how often excess payments are made and whether additional purchases are made, or whether fees assessedThe customer can reduce the account balance faster by making payments larger than the minimum amount duePlease refer to the Payment Information section of your billing statement under Minimum Payment Warning: “If you make only the minimum payment each period, you will pay more interest and it will take longer to pay off your balance.” Records indicate Ms [redacted] did not set her automatic payments up through the Dell Financial Services website; rather they look to be set up through her personal financial institutionPlease note if Ms*** were to set up her payments through the DFS website there is an option to pay the minimum payment plus an additional amount selected by the customerPlease understand all fees assessed to Ms***’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 provided a $credit in interest charges that have been assessed to her DPAAs of the date of this letter Ms***’s DPA balance is $Please keep in mind because interest accrues on her account daily she may have additional interest charges assessed on her next regular statementWe hope this letter helps to explain and resolve this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, [redacted] Executive Services Dell Financial Services
Complaint: [redacted] I am rejecting this response because: I understand that there are statements being sent thru my email that went to my spam emails due to excessive advertisementI will take the $waiver and pay $if they can show me the recording during the sale of my itemThe reason being is that I understand the way it was only disclosed to me on the phoneSince it was disclosed during the call that all calls are being recorded, I would like to have a copy of the recordingIf recording is not available I would like to have the interest charge waived and I will pay all my dues which is $840+, since I tried to call Dell Financial days after interest charged was billedI feel it would be fair if recording is available Regards, [redacted]
Complaint: [redacted] I am rejecting this response because:I have proof of paying in full and when I got the very small refund checks.On Jan 20, I paid $late charges and I don't know who informed you that I didn't have the statements for January as I am looking at a "O" balance on Jan 17,2017(last number of account being Now on #I paid $1,and then was told to pay $Which according to my statement paid the account in fullI talked to " [redacted] in the conseige I paid $for the concigne ###-###-#### and cancelled the program On 9/12/On #I had an Paid in Full and "0" balance with a $3,available credit I called Tech service and the gentleman (will not give his name at this time) told me yes I did have a refund because I had paid for this before I should (expiration date in the future) and he said I cleared this end and you need to get with billing and tell them everything is OK at my endWhich I did, many time and one of the last people said (customer service here) that I did indeed have a credit coming on both of the ordersI said all I wanted was the one I paid in advanceThen I didn't hear anything and I will be happy to send ALL MY STATMENTS or copies that is and go for it allDell has some mis-informed people working for them and I gave the last dollar to themWhen this computer went down I had been with them since First time I have had a problemThank you Revdex.com I know you are trying, but I am years young and I just didn't want to give the money to Dell Regards, [redacted]
Please see the attached responseDear Revdex.com Representative: We are in receipt of a complaint from [redacted] , originally addressed to the Revdex.comIn her complaint Ms [redacted] states that she paid her Dell Preferred Account (“DPA”) balance in full however she received a late fee chargeMs [redacted] states that she paid this late fee charge however she was assessed compounding late fee charges totaling $She states she has been receiving phone calls regarding her balance, and that her account has been reported negatively to the credit bureausDell Financial Services (“DFS”) records indicate that on August 23, Ms [redacted] applied and was approved for a Dell Preferred Account with a credit limit of $and a corresponding APR of 19.99%The terms of the credit agreement, including the Annual Percentage Rate (APR), were disclosed to Ms [redacted] at the time her application for credit was approvedOur records indicate that Ms [redacted] accepted the terms of the credit agreementAdditionally, the terms and conditions of Ms [redacted] ’ credit agreement were mailed to her within hours of her approval for creditThe terms and conditions give the customer three (3) days to contact us to reject the credit agreementOur records indicate that Ms [redacted] did not contact us to reject the DPA credit agreementPlease be advised that at the time the account was opened Ms [redacted] placed an equipment order with Dell for computer equipment totaling $This purchase was qualified for a promotional financing feature of no interest, if paid in full within twelve (12) monthsIn order to avoid interest charges, the Total Dell Order amount was to have been received on or before September 4, Records indicate that Ms [redacted] made a payment of $on January 13, 2016, which would have paid her remaining DPA balance in full had it been received by her January 4, due date as reflected on her December billing statementBecause payment was not received by her due date a late fee charge was assessed to her DPA in the amount of $Ms [redacted] made a payment to DFS for the $balance on March 8, 2016, however because it was not received by the March 4, due date as reflected on her February billing statement another late fee charge was assessed, this time in the amount of $No further payments were received by Ms [redacted] until June 14, therefore two additional late fees were assessed in the amounts of $in April and $in MayOn June 14, Ms [redacted] made a payment of $while a $late fee charge was waived as a courtesyPlease 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 DPA terms and conditions titled ChargesCharges: A Late Payment Fee will be imposed if you fail to pay us the Total Minimum payment due in full by the Payment Due Date on your billing statementAll fees assessed to Ms [redacted] ’ account have been assessed in accordance with the agreed upon terms and conditions of the Dell Preferred Account, therefore we must respectfully Page decline to refund the $she paid in late fee chargesFurthermore DFS must respectfully decline to remove any negative credit reporting as DFS must comply with the provisions of FCRA and the amendments as outlined by FACTAFCRA requires that creditors accurately report a customer’s credit history and prohibits creditors from reporting information they know to be inaccurateWhile DFS reports to the credit agencies, the credit report is the sole property of the agency generating the reportCurrently, DFS submits account information to Experian, Equifax, TransUnion and InnovisIf Ms [redacted] should have any questions regarding her credit report she will need to contact Experian at ###-###-####, Equifax at ###-###-####, TransUnion at 800-916-8800, Innovis at ###-###-#### or at the phone number on her credit reportWith regard to Ms [redacted] ’ comments of phone calls being made to her in reference to the past due amount on her DPA, please understand DFS reserves the right to contact a customer if the monthly minimum payment is not made in full by the applicable due dateWe hope this letter explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, [redacted] Executive Services Dell Financial Services
Please see the attached responseDear Revdex.com Representative: We are in receipt of a complaint from [redacted] ***, originally addressed to the Revdex.comIn her complaint Ms [redacted] states that she notified Dell every month since June of her address change however her address as reflected on her Dell Preferred Account (“DPA”) has not been changed which is causing her to incur late fee chargesDell Financial Services (“DFS”) records indicate that Ms [redacted] has two accounts, DPA ending in was opened on May 20, and remains open and current with a $balanceOn January 18, Ms [redacted] made an Alienware purchase and Alienware Titanium Account (“ATA”) ending in was openedPlease note that this account was closed per Ms***’ request on November 18, 2009, and currently has a $balancePlease be advised that the billing address on the DPA was updated to the address that Ms [redacted] provided to the Revdex.com on June 20, DFS received two more requests to update the address on this account in December and January however no action was taken as the address had previously been updatedThere was no address change request on the ATA until April 4, 2016, at which point the address was updated to the address Ms [redacted] provided to the Revdex.comPlease understand that it is the responsibility of the customer to ensure that her billing address is updated by notifying DFS of her new address on each of her financial accounts with usPlease reference the terms and conditions regarding change of address: Change of AddressIf you move or change your billing address or e-mail address, you agree to promptly notify us of your new address in writing or online at www[redacted] .comAfter reviewing the payment history on the ATA, DFS finds that Ms***’ minimum monthly payment amount was received late on three occasions since she stated she notified us of the address change in June These late fees totaled $Please note that one of the late fees, $15.00, was waived as a courtesy to Ms [redacted] when she contacted customer service by mail in April, Please 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 ChargesCharges: A Late Payment Fee will be imposed if you fail to pay us the Total Minimum payment due in full by the Payment Due Date on your billing statementAll fees assessed to Ms***’ accounts have been assessed in accordance with the agreed upon terms and conditions, therefore we must respectfully decline any further waiversPlease keep in mind that because interest accrues on her accounts daily she may have additional interest charges assessed on her next regular statements, which are set to generate for each account on the 25thWe hope this letter explains and resolves this matterPlease do not hesitate to contact us should the Revdex.com or the customer need further clarificationSincerely, [redacted] Executive Services Dell Financial Services