Complaint / Review
Dell Financial Services
Business credit account, lowered limit, now reporting me over my limit, NEVER late!

I have been a Dell Business and personal account holder for over three years now.

My Business account with Dell Financial Services has always had a credit limit of $10k. The highest balance I have ever had on this account was $4k. I have always made at least minimum payments on this account with NO LATE PAYMENTS.

Yet, I noted two billing cycles ago that my credit limit had been reduced to my current balance. On the current bill, DFS shows that, although I have continued to pay the minimums on time, that I am now "over my credit limit as adjusted based on my credit report."

I was told I should contact the credit reporting agency. After much frustration on the phone with someone who spoke broken English, I am at my wits end.

Although I NEVER exceeded my credit balance, have not had any new charges in months, and have always paid on time, DFS is now reporting me as "above my credit limit."

I will NEVER buy another Dell product. Closing and paying off these two accounts.

Be VERY CAREFUL in dealing with DFS (Dell Financial Services)... They are up to no good!!!