I purchased an Alienware computer from Dell, and the overall package costed about $3500.00. Dell Financial Servies offered me a 12 month interest free financing. They explained to me that if I make the whole payment in 12 months, then no interest will be charged.
They set up an automatic payment for this purpose, which would charge my bank account every month, and complete the payment in 12 months. I agreed to it, as I did not want to pay any interest.
On 12th month, I checked my statemnet, and found, they decreased the monthly payment by a small amount from second month onwards, so that, in 12 months the full payment is not being made.
I called immediately, and they said, they were going to add about $550.00 as interest, because in 12 months the payment was not being complete. Fortunately I found, 2 days are still remaining to issue their latest statement, so I barely got the chance to avoid the extra $550 interest by making the full payment immediately.
This is how I was being tricked, and if I did not notice on the last moment, they would have charged me $550 extra.
The amounts that were being charged each month through automatic payment, was not decided by me. Those figures were decided by Dell Financial Services, And their system is designed (i dont know it is intentionally or not) to victimize the customer to fall prey to the bulk interest at the end of the year.
If there is any lawsuit against Dell Financial Services, do let me know. I have all the statemnets and would be glad to be onboard to unmask this deception.
Called Dell Financial Services on 4/21/14 asking them to please consider removing this month late fees due to the fact that, the payment was due on 4/20/14 which was Easter Sunday. I spent the Sunday with family at Church and forgot to make the payment that day. The next day before making the payment, I called the customer service department asking will I be charged a late fee for miss the due date. They told me yes I would still be charged the late fee. I disputed the the late fee and ask for a manager. The manager stated that he would have to get with someone from the corp. office being that one late charge was remove back in June of last year. He stated that he would call me back in 24-48 hours to let me know what was decided about removing the late fee. He calls back 4/22/14 stating that corp. states they can not remove the late fee because the policy must be followed accordingly. Ok, that fine. Thats what I told the manager when he called back. I also told him that they will not ever have to be concerned about me ever ordering anything else from them again. They are a ripp-off. There interest rate are rediculous; a complete joke. I being paying them for 5 years and I only got 3 small items. Trust me I am finish with them. I will take my hard earned money elsewhere. The only reason I got the account was because my job they offers a discount when you make a purchase. It really was the biggest mistake ever made. Good bye Dell and good written. I have a 3,000 credit limit with them and now down to 380.00. Can't wait to get to that 0 balance.
Dell Financial Services Reviews
I purchased an Alienware computer from Dell, and the overall package costed about $3500.00. Dell Financial Servies offered me a 12 month interest free financing. They explained to me that if I make the whole payment in 12 months, then no interest will be charged.
They set up an automatic payment for this purpose, which would charge my bank account every month, and complete the payment in 12 months. I agreed to it, as I did not want to pay any interest.
On 12th month, I checked my statemnet, and found, they decreased the monthly payment by a small amount from second month onwards, so that, in 12 months the full payment is not being made.
I called immediately, and they said, they were going to add about $550.00 as interest, because in 12 months the payment was not being complete. Fortunately I found, 2 days are still remaining to issue their latest statement, so I barely got the chance to avoid the extra $550 interest by making the full payment immediately.
This is how I was being tricked, and if I did not notice on the last moment, they would have charged me $550 extra.
The amounts that were being charged each month through automatic payment, was not decided by me. Those figures were decided by Dell Financial Services, And their system is designed (i dont know it is intentionally or not) to victimize the customer to fall prey to the bulk interest at the end of the year.
If there is any lawsuit against Dell Financial Services, do let me know. I have all the statemnets and would be glad to be onboard to unmask this deception.
Called Dell Financial Services on 4/21/14 asking them to please consider removing this month late fees due to the fact that, the payment was due on 4/20/14 which was Easter Sunday. I spent the Sunday with family at Church and forgot to make the payment that day. The next day before making the payment, I called the customer service department asking will I be charged a late fee for miss the due date. They told me yes I would still be charged the late fee. I disputed the the late fee and ask for a manager. The manager stated that he would have to get with someone from the corp. office being that one late charge was remove back in June of last year. He stated that he would call me back in 24-48 hours to let me know what was decided about removing the late fee. He calls back 4/22/14 stating that corp. states they can not remove the late fee because the policy must be followed accordingly. Ok, that fine. Thats what I told the manager when he called back. I also told him that they will not ever have to be concerned about me ever ordering anything else from them again. They are a ripp-off. There interest rate are rediculous; a complete joke. I being paying them for 5 years and I only got 3 small items. Trust me I am finish with them. I will take my hard earned money elsewhere. The only reason I got the account was because my job they offers a discount when you make a purchase. It really was the biggest mistake ever made. Good bye Dell and good written. I have a 3,000 credit limit with them and now down to 380.00. Can't wait to get to that 0 balance.