Monday, August 6, 2007
RE: “Dispute” of Collection Action - Dell Financial Services
Dear Debbie, I received your letter dated July 19, 2007 where you apologized for the frustration I have experienced and expressed your interest in customer satisfaction. Unfortunately, I cannot accept your apology, as I just don’t believe you’re sorry. In fact, I’m even more frustrated and dissatisfied now.If you want me to accept your apology in the future, you’re going have to really mean it.
I told you that I would have paid the bill had you only sent me an invoice, and how disappointing it was that you didn’t even call me before sending my account off to collections. After all the time we’ve had a relationship, it seems like you could have picked up the phone. Especially if, as you said, you had “access to all records relating to [my] account”. I certainly didn’t.
The real insult came when you said this issue “does not qualify as a billing dispute”. It is preposterous to me that you would say this. It seems like someone in your position should already know this, but for the sake of clarity, a “dispute” is defined as follows:
1. dispute (verb): to take exception to, as in “I am disputing the penalties, late fees, and interest you have charged me because you never sent me a bill”.
2. dispute (noun): a disagreement or argument about something important, as in “I have an unresolved billing dispute with Dell Financial which is why I have filed complaints with the BBB, the Attorney General, and the FTC”.
As you can see, disputes do not require unanimous consent among all parties to exist. If they did, it would only result in a perpetual chain of letters between frustrated & dissatisfied consumers and the legion of financial services representatives committed to address their concerns. Do you want an endless loop of letters that saying “I dispute your dispute that my billing dispute with you is not a dispute”? I hope not.
I asked you to provide an original invoice for the purchase because I never received one and you responded by saying that you “do not provide payment histories for your Dell Preferred Account”. You then suggested that I use my “monthly billing statements as a record”. If you’re really interested in reducing my frustration, you missed a great opportunity to use that account access you told me about.
You deposited my good-faith check for $500, and I am now receiving statements. However, it seems like you didn’t really read my letter. I’ve been acting in good faith, and you don’t seem to be interested in doing that at all.
* I asked you to provide proof that the debt is valid and you refused to do so.
* I asked that you notify the credit agencies that we had a dispute, and you refused to do that.
* I asked that you obey the law, and you don’t seem to be doing so.
Debbie, I’m worried about you, Dell, and Dell Financial Services. I think you have some pretty serious problems, and I want you to get help. That’s why I’ve notified the FTC, the BBB, and the Attorney General about what is going on between us. I’m also going to let a few of my friends know, just in case. I hope you understand.
Debbie, no matter how you deny it, what I said in my last is still true. I dispute (using the standard definition above) part of this of this debt because I never received a bill or statement from Dell Financial Services after making a purchase. Had I received this statement, I would have paid the balance in full and so therefore I dispute all charges, fees, or interest over the initial purchase amount.
Please remove or correct any negative information about me you shared with others, and credit me for any penalties, late payments, and interest. I will pay off the remainder and close my account in good standing. I look forward to receiving your next letter within 15 days.
Sincerely,
Jesse Robbins
Reply to this problem
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Dell-Bill_B (Employee)
last replied
on July 29, 2008 19:44
DELL-Chris_M (Employee)
last replied
on July 23, 2008 00:25
