I've returned an computer valued 1409$ to dell, dell issued a refund in the original method of payment which is dell financial services in my case, DFS said it'll take 30 days to process a refund!! After 30 days I got nothing, I called them, they promised to send a check within another 30 days, after the 30 days I went for 2 weeks vacation and I got back and nothing in the mail, I called them after one week, they said they mailed the check however I got nothing, now they said to process the re-issue of another check will take another 30 days!!
its been 3 months now to get a refund!! I find that ridiculous!

I have an account with Dell Financial Services. Every day of every month I receive a phone call. It's either an automated call or someone who identifies themselves by an American name from India. I tell them that I make a payment every month so why are they calling? They want me verify my SS# so they can talk to me about my account. I tell them that I won't give them that information because they already have it and my monthly payment so why are they calling? This continues until I hang up. I have to make my payments via automated pay by phone because when I had surgery several months back and was late, just late, they removed my ability to pay online. I had always paid online previously to having surgery (sorry Dell) but not only could I not pay online, there was no record of my account number to reference since the had removed any reference of that in my payment history online. Sure wish I could win the lottery to pay off this bill and never do business with Dell again. This is a sad situation for an American company to let idiots from India run his company like this. No more Dell for me.

Today, March 19, 2010, I received a letter from Dell Financial Services in the mail notifying me that they were closing my credit account due to my delinquent credit record. I have a few issues with this letter.

1. The letter was dated Feb. 26, 2010. I received the letter via snail mail almost a month later. No phone call, no email - no other way of communicating this to me quicker.

2. My balance was paid in full just 3 months ago, I have had a zero balance for the last three months!

3. Since I have been a Dell "preferred" customer since 2005, I managed to keep up with my payments for the most part and have twice paid off my balances.

I phoned Dell Financial Services and receive a representative who could only confirm the contents of the letter and advised me to appeal the matter in writing to the credit bureau that they relied upon to decide that I was a credit 'delinquent' even though my balance was zero for the last three months.

I do not get this. Instead of being rewarded for paying what I owed and having a zero balance, I am essentially being punished for being responsible!

What kind of message does this send to consumers? Folks who work hard and apply for credit, use it, pay it back (at exorbitant, onerous rates I might add) are punished for using this one sided system.

I am going to challenge this decision - not the part about being dropped- but the part about the 'delinquent" reason since that will have a negative effect on my credit report.

I am pissed and I will no longer support, purchase or recommend Dell products to any friends, family members, work associates or any business that I affiliate myself with.

I only wish I had a list of executive email addresses for Dell Financial Services so that I can express my frustration to them and try to get them to understand how really stupid their system is an how customer loyalty and consumer responsibility seeming goes to the toilet when it comes to how DFS treats customers.

We purchased two Dell desktops in Dec '08 on the 9-month no interest program. We made payments faithfully each month repaying the entire balance by the end of June '09. However, they screwed up the account and kept charging intereset. We called the customer service line multiple times. Each time they assured us that the account had been corrected. Eventually, they did get it set to 9 month no interest - on the same statement that noted the final payment received. Yet there was still an outstanding balance of $25. Then they started with the automated calls to remind us. When we talked to them again, they forwarded it to the disputes department. They now say that the amount is still due. When I called the final time, I talked to a "Rick Smith" (with an Indian accent). He then transfered me to "Jeff Smith" (also with an Indian accent). Neither of these people could look up the notes made on my account on previous calls (the "dispute" department cannot look at the details like "customer service" can). I asked if I could call back to the customer service number. He said I could try. Now I know what he meant. If I try to call from my home phone, the automated system pretends to connect me to a customer service person but then hangs up. If I call from a different phone, I can get to a live person but as soon as I identify myself by account number they hang up. What a crock!

Funny how every time I go to make a payment, their system is down and when the system gets back up I have to pay the extra $9.95 in order for my payment to get processed in time so I won't get hit with a late fee. It's also funny that I set the "auto pay" twice in their system and it just never seems to work, so yet again another late fee. They're total criminals and I will NEVER do business with them again! I highly recommend the same to everyone else. Besides, they outsource American jobs to India.

Anyone want to file a lawsuit? I'm ready!