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I would like to formally announce that the $182 fraud on what was a closed and paid off Dell a/c,going to a previous address, has now been formally removed from DFS and from all reports (within 30-45 days) after validating an unlimited number of times after showing deed for purchase of current residence, 6 certified letter, approx 12 hours on phone, numerous uploads of police report, unending questioning, and a strong suggestion that I turn in my former husband to the police for possible ID fraud. He is, BTW, a Luddite and does not "do" computers, much less install memory. It took so long that I offered to pay the now discharged debt of $428. No dice. Jan of 2009 charges...no collection attempts, undiscovered until I pulled my report in Feb... I feel as though I have had a cancer removed from my body. That and an exterminator bill where I showed them the cancelled checks with their endorsement. The State of Texas AG sued Dell several years ago, one of the State's biggest employers, for bait and switch. I don't know what category this one falls into but I will NEVER buy a Dell product again... And that is THAT.

trying to speak to someone there with any authority is like crossing the Great Wall of China... does anyone have any access to an email? even the phones don't work to the EO/// will take a phone number to anyone not in consumer disputes or the front line... please..

Ok, its $429 and one of the last items that I can do something about. The issue is this: Last Payment 10/11/08- I notated it as full payment of balance but then found out that the $50 payment that preceded this one bounced... so there had to be a bad check fee or a continued balance of at least $50 plus interest plus no payment since then. I got divorced and I believe that two more small charges totaling $182 were charged in Jan/2009 but I had moved out so I don't know and she certainly doesn't remember... They accepted the charges and I don't know if they wrote them off or what but there are a load of 'late payment" charges in an account debit and credit statement that they sent me. The two items charged were sent to my old residence with a teenager and angry ex in residence. I blissfully thought I had paid it off.. Come to find $182 plus interest totally $429 on my account on all three bureaus showing same last date of payment but showing account current until june of 09 and then written off November of 09. I have the statements from Jan 09 sent to me with invoice copies but have no evidence except for a payment receipt showing last payment plus a penciled in notation of $50 already paid as I had not yet gotten notice that it bounced. In NY, it stays on your report for five years from date of last delinquency.. which would be Nov 08... but there were two more charges. There are some mysterious credits for fees and interest. Three times I have requested statements, three times they claim to have sent them (have used NYC and suburban address plus a fax number) and no go... I stupidly gave them my SS * after they said that they could not find the records but would not delete... I was sure that they would cave eventually. No collector on the account, no collection letters ever... Should I report them for re-aging? It should be off my account from 5 years past last payment.. does that date still apply if check is notated payment of full balance? I did not know the $50 had bounced but something funny is going on and I don't think that their failure to send me stuff is a real error- this has been going on since Feb....I think that they re-aged it according to their summary but the whole thing is odd. DFS was in Texas at the time and I believe that the SOL is 3 years. Should I offer to pay the $182 for delete? that was the original chargeoff and then they changed it to $429... Am I being stupid not to just pay it or do you think that my suspicions are correct? It is one of the few left on three reports and I am so peeved with them...I think that it is clouding my judgment on this..

Do the OC's only make it -0- balance after charge off if they sell the account? It is past SOL in Texas(although they moved to UtahI think but this is an oldie). They are like a tick... anyone else have experience with the yokels? last pay was 10/11/2008!

We need some advice for dealing with Dell - we had fallen behind a few months and sent several letters asking for a payment arrangement which were all ignored. We called several times and only got non-English language operators who only wanted full payment. I called to setup payment arrangements and they accepted the terms which was $500 a month for 10 months which pay the account in full. After setting everything up they informed me that our would be charged off and even after the last payment was made would reported that way to the credit reporting agencies and would not be reversed for any reason even payment in full. I was told at the end of the payments I could write letters to the credit bureaus and dispute that I had paid it off and show proof to get the balance to zero. But they would never remove the charge off. This is crazy - I am willing and able to pay this account off and I get told they will do what ever they want even with payment? All our other credits agreed to a debt management program and after $65,000 are paid off. We were told Dell would not accept any debt management plan. Now our debt management plan is over and we cn afford to pay off Dell. I am very hesitant to send them any money until I can learn more about charge-offs and my rights. This does not seem like it should be allowed. Any advice for those having dealt with them?