Paul Reisner, a computer programmer from New York, said he was offered zero percent financing for six months, during which he paid off his Dell computer. He said he was later informed he had never qualified for the offer and was obligated to pay a 29 percent interest rate.

Reisner cannot understand why he did not qualify for Dell's zero-percent finance rate, and said his credit rating was permanently scarred.

New York Attorney General Andrew Cuomo accused Dell Inc. and its financial services affiliate in New York Supreme Court on Wednesday of "bait and switch" advertising practices and failing to deliver on promised customer service.

The lawsuit claims that Dell and Dell Financial Services LP engaged in fraud, false advertising and deceptive business practices.

Dell spokesman Bob Pearson denied the charges in a written statement.

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