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Dell Financial

 
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dellsbitch
conscientious beginner


Joined: 25 Aug 2006
Posts: 1

PostPosted: Fri Aug 25, 2006 12:01 pm    Post subject: Dell Financial Reply with quote

I keep receiving calls from Dell collections regarding an account I never opened. Dell is unable to provide me with any documentation that I opened an account and refuses to do anything about it. Does anyone have any suggestions? I'm at my wit's end dealing with this and I'm on the verge of just paying the approximately $300 charge in order to avoid any damage to my credit score.
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Ghost_of_Roundrock
Forum Troll
Forum Troll


Joined: 21 Apr 2006
Posts: 29

PostPosted: Fri Aug 25, 2006 3:44 pm    Post subject: Reply with quote

If Dell Inc. cannot produce any proof that you owe money to them, I would call the State Attorney General for your State. Fill a harrassment complaint


Now I have a question. If you never opened an account with Dell Inc. then how did they get your Social Security Number? They have to have this number to report it to the credit agency. If they do not know this number then tell Dell Inc. to do thier worst.
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Rocke_T_Sinetist
Moderator


Joined: 26 Aug 2005
Posts: 2678
Location: DFW airport

PostPosted: Fri Aug 25, 2006 4:47 pm    Post subject: Reply with quote

First, give them NO information. Ask what SSN they have, if it's not yours just say "no that isn't mine" without telling them what yours IS. Same with any other personal data that could identify you further. The whole thing could be a scam, propagated by anyone from Dell's contractor to a Nigerian 'prince'. (Did you know that every male in Nigeria is a prince?)

Collection agents are f'ing lazy. They'll take a name to the phone book or Yahoo and call the first person who matches. I have an unusual name and it's happened to me--some motel in a state I've never even been to.

If Dell won't respond (geez, haven't heard that story in what, at least 7 seconds) go straight to the State AG. Also file with Better Business Bureau, Dell does respond to them. File reports with the credit bureaus too. It's easier to get a mistake erased if they hear the story first from you than if they hear it first from Dell's agent.

What do we always say, "never use Dell Financial". This is precisely why. If they can make your life miserable without even using them, think what would happen if you signed up!
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Rocke T Sinetist
as in, 'it doesn't take a...'
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paul_dellcc
Super Hater


Joined: 04 Oct 2004
Posts: 1960
Location: Buenos Aires, Argentina

PostPosted: Sat Aug 26, 2006 1:13 pm    Post subject: Reply with quote

Contact the BBB as well.
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FallenAngel
Super Hater


Joined: 21 Feb 2006
Posts: 1516

PostPosted: Sun Oct 29, 2006 6:34 pm    Post subject: Reply with quote

Huh? So we went from "how did I get this phantom charge?" to "I make twice as much with DPA"...

I don't get it. Stick with the running story. I imagine that with a statement like that, you're another sales puppet?
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