I Dont Want Dell To Send Me A Condescending Response--Just Change Their Policy!

Yep, I was angry when I wrote this and that's all I wanted to get
across. I pay about 20 different bills online and this is the only
one that has this policy, so maybe I'm just lucky with the others.
What gets me is that I can pay $10 to have my payment post the same
day, but they can't post it the next day for free. Makes no sense.
If it's impossible, it's impossible whether you pay $10 or not.

I didn't want any results really, nor did I expect any. Dell is a
huge company and isn't likely to change it's policies because I'm
unhappy with them. I guess I just needed to get it off my chest and
that's what I did.

I did pay the account off though, with part of my tax refund, and I
won't ever buy a Dell product again. And I won't even get started on
the interest rate. I can't believe it's legal.

Hmmm I don't know about this letter. Whenever I make an online payment
it warns me that the payment may not post right away. I know the
letter writer is complaining about 4 days here but lets say she made
the payment after 4 o clock. Usuaully that is the point where the
payment carries over into the next day. If it had posted on the 4th or
5th it still would have been late.

It would be nice if payments were posted right away but they do need
processing time. Making the payment the day before (and we don't even
know what time) is cutting it too close.

I actually agree with Eric's responce. Including the tone of your
letter.

Your point MAY be valid, but the overall tone of the letter is
terrible and is not like to obtain the result you may want.

You also did not give much detail about your payment. Are you paying
online directly to Dell, or are you paying online through a third
party service? If one was to pay directly to Dell, online, showing
the payment was made a day early, a late charge would be easy to
dispute.

The tone of your letter may cause it not to be taken seriously, but
that's too bad, because your point is excellent. There is no technical
reason for the delay you describe. There can be no reason for it other
than a desire to spark the consequences of a late payment, for
financial reasons. You do the public a favor by exposing this very
hostile practice.

I believe the letter writer has a good point. I have made electronic
payments for years, and normally the payment posts on the same or next
day. In this instance, the payment was placed in a Thursday - yet
won't post until Monday? This is not a weekend issue at all.

Much has been said about Dell Financial Services... little of it good.
Sadly the letter writer went too far and expressed too much anger for
this letter to be taken seriously.

You say that there were no weekend days or holidays involved. You may
have been talking about another time, buth if you posted the payment
on Thursday, Feb 2 when it was due Friday Feb 3, but they won't credit
it until Monday, Feb 6, then there are weekend days involved. I have
run into this same problem with one of my credit cards. I got bit the
first time with a late fee, but I learned my lesson, and now I make
sure it is paid early.

Some companies use computer systems that do not update the same day.
Dell's may have this type of payment system.

If you know a payment will not post the same day you make it, I
suggest submitting it a few days before it's due. That's not an
unreasonable suggestion to make and is a good idea whether making
payments online or through regular mail.