Dell Financial Services
Avoid Dell Financing! They ripped me off!

I purchased a laptop computer from Dell over a year ago. I have been paying the monthly bills on time, and usually even pay over the minimum amount. I also had my warranty extended, which may have led to the following problem:

I found out a couple of weeks ago when I got my bill that instead of the usual finance charges of around 4 dollars, that I was now being billed 196.86!!!

I called their service rep who told me that I was billed this outrageous amount because my promotion plan had ran out.

I thought that the whole reason I began to be billed 4 bucks a month in finance charges in the first place, was because my promo plan had already run out after the first year had ended. But their rep told me that was a separate finance charge for service calls!?!? I was never told that I would be getting finance charges for service calls! And it does not say this on my bill!!! Also, I dont remmember even making any service calls!? If I was in danger of being billed almost 2 hundred dollars in finance charges then why did the bill before this one say that I WAS ONLY DUE TO PAY A MINIMUM AMOUNT OF 20 DOLLARS!?! Was Dell deliberately trying to mislead me so that they could hit me with a 196.86 bill!?

What I had to do was go ahead and pay off the rest of the billwhich is what I could have done a long time ago had I known about this scheme.

A Dell rep did eventually get back to me and told me there was nothing that they were going to do about it because everything that I was supposed to know was written in thin small gray fine print that was hidden on the BACK of the bill - which was full of industry technical jargon like "differed interest promotion, ""aggregate balance, "and "Finance chrages earned but not billed." Please help.

Company: Dell Financial Services
Country: USA
State: Texas
City: Austin
Address: Pobox81577
Phone: 8002832210

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