I bought through Dell, and I took my complaint to the BBB also. It's not Nokia that handles the rebates, its Young America out of Minnesota. They are not members of the BBB, but actually responded to my complaint in a timely manner. I will reserve judgement until the rebate is in my hands, but they are supposed to be sending my rebate in several weeks. Also, regarding debit cards, I'm sure it's just another way for them to make money, as not everyone spends the full amount on the card.