John Deere Financial, F.S.B.

We have contacted the customer and have accommodated her request

The customer was set up on a monthly recurring payments to post on his payment due date of the 22nd of each monthThe customer was cancelling those payments using our customer website and scheduling one-time payments using this same website to post on a different dateThe customer made a payment using the customer website on 5/12/and stated that he cancelled the recurring payment that was to post on 5/22/Our online customer website automatically tracks customer activity and tracked that the customer was on the website on 5/12, however our internal tracking records did not indicate that this payment cancellation was completedThe payment was returned to John Deere Financial by his bank NSF and we assessed a $NSF fee to his accountThe customer called John Deere Financial on three occasions (5/28, 6/9, 7/8) inquiring about the NSF feeThe fee was not refunded due to the recurring payment not being cancelled as stated by the customerOn the forth call to John Deere Financial on 7/23/15, the account was reviewed by a Service Coordinator and based on goodwill related to the customer’s attempt to cancel the payment the $NSF fee was refunded and credited to the customer’s account

This issue relates to Deere equipment and not the financing of equipment. John Deere Financial, f.s.bis a federal savings bank. I have relayed the issue to the Deere Legal Department and they will be working with the customer on this issue moving forward

We have been in contact with the customer and will work with him to resolve this issue.

The customer was set up on a monthly recurring payments to post on his payment due date of the 22nd of each month. The customer was cancelling those payments using our customer website and scheduling one-time payments using this same website to post on a different date. The customer made a payment...

using the customer website on 5/12/15 and stated that he cancelled the recurring payment that was to post on 5/22/15. Our online customer website automatically tracks customer activity and tracked that the customer was on the website on 5/12, however our internal tracking records did not indicate that this payment cancellation was completed. The payment was returned to John Deere Financial by his bank NSF and we assessed a $25 NSF fee to his account. The customer called John Deere Financial on three occasions (5/28, 6/9, 7/8) inquiring about the NSF fee. The fee was not refunded due to the recurring payment not being cancelled as stated by the customer. On the forth call to John Deere Financial on 7/23/15, the account was reviewed by a Service Coordinator and based on goodwill related to the customer’s attempt to cancel the payment the $25 NSF fee was refunded and credited to the customer’s account.

[A default letter is...

provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,

We have contacted the customer and have accommodated her request.

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:I was contacted by John Deere Financial who agreed to...

refund all fees and late charges previously paid, subject of our
complaint ID [redacted] and find this resolution satisfactory to me. 
Regards,
Christelle [redacted]

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the...

response made by the business in reference to complaint ID [redacted], and find that the business has contacted me and we are working on a mutual agreement.
Regards,
Charles [redacted]

Review: I have had repeated issues with the finance department not doing there jobs. When first purchased I had my payments come out automatically to make things easier, but that's not what happened. The payments would come out whenever they wanted and this hurt me financially. I spoke to a rep and asked to for the auto pay to be turned off so that I could make my payments myself, due to the unreliability of there system. I was assured that it would be down so I went on like clock work and made a payment the following month. Only to have a payment be taken out a few weeks later. This put me in the whole, which had to be fixed on there end but I was charged a NSF fee of $25 due to it. I complained to them about there mistake and it had no affect what so ever. I keep having someone tell me that they show no record of me ever calling to do anything. By my count I have spoken to them on three different accounts on this matter with no real help on solving the issue what so ever.Desired Settlement: I would like to see that this issue is repaired at there end so that people other than myself don't have to go through this. If someone needs to lose there job over this than so be it. The lack of effort on there end just shows how little they care for there customers and that they only want the money in the long run.

Business

Response:

The customer was set up on a monthly recurring payments to post on his payment due date of the 22nd of each month. The customer was cancelling those payments using our customer website and scheduling one-time payments using this same website to post on a different date. The customer made a payment using the customer website on 5/12/15 and stated that he cancelled the recurring payment that was to post on 5/22/15. Our online customer website automatically tracks customer activity and tracked that the customer was on the website on 5/12, however our internal tracking records did not indicate that this payment cancellation was completed. The payment was returned to John Deere Financial by his bank NSF and we assessed a $25 NSF fee to his account. The customer called John Deere Financial on three occasions (5/28, 6/9, 7/8) inquiring about the NSF fee. The fee was not refunded due to the recurring payment not being cancelled as stated by the customer. On the forth call to John Deere Financial on 7/23/15, the account was reviewed by a Service Coordinator and based on goodwill related to the customer’s attempt to cancel the payment the $25 NSF fee was refunded and credited to the customer’s account.

Review: I closed an account with JD Financial and paid it in full. I received a letter on 5-16-2014, mailed 5-13-2014, saying I owed $39.00 on the account (no previous invoice, no explanation of basis) and that charges would be incurred beginning 5-15-2014 for failure to pay. I went online and authorized direct payment, which I was notified would not be received until 5-20-2014. This is an ongoing practice by JD Financial - statements are mailed so that there is less than two weeks for payment to be received, and the interest rate for failure to make payments is exorbitant - almost 30%.Desired Settlement: I want the $39.00 charge, along with any additional charges for failure to pay on a notice received after the deadline.

I have closed both JD Financial general accounts. I want others to know how dishonest these people are. VISA and MC have much more ethical practices, longer times to pay and much lower interest rates.

Business

Response:

The late fee was assessed due to the fact that when the April 25, 2014 statement was sent there was no payment made on the account between the period of March 25, 2014 to April 25, 2014. The customer closed her account on 12 May 2014. The late fee was refunded as a goodwill gesture on 19 May 2014.

Business

Response:

The $39.00 is a late fee as described in the terms and conditions of this Agricultural Business Use account and is not an interest charge on the account. When I first responded to this we adjusted the account and the $39.00 is a credit on the account. The late fee was not assessed and did not appear until your May 25th statement. You were able to identify the existence of the late fee when you went online as you noted. When you receive your May 25th statement you will see the fee and the offsetting credit which will be refunded to you by check within 10 business days. If ever you have any needs or concerns, please feel free to contact our Customer Service department using the 1-800 number listed on your monthly statements.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

My husband and I had a account with John Deere in good standing. When husband died the account was flagged. Understanding that. No call or letter to me the co-owner of the account to remove him and set me as sole owner. I know if there had been a balance they would have no problem coming after me for it. Such a shame...I used to think the company had people at the heart of it. No LONGER! They lost a good customer forever!

Review: My John Deere D140 Lawn mower caught fire after 10 minutes of use. John Deere claims it is my fault and will not cover the loss. They say it is due to debris that got too hot and then caught fire. If their product, a lawn mower, cannot be used for 10 minutes without danger of debris catching fire, then it should be their fault and they should cover the cost.Desired Settlement: After my last complaint, their legal department finally contacted me. I would still like them to either replace the lawn mower, or refund me the cost so that I can purchase a new one.

Business

Response:

This issue relates to Deere equipment and not the financing of equipment. John Deere Financial, f.s.b. is a federal savings bank. I have relayed the issue to the Deere Legal Department and they will be working with the customer on this issue moving forward.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Regards,

The people at John Deere Financial fumbled and bumbled around with me regarding a denied credit application. Here is the story.

I believe (a) some of the people that I talked to are not knowledgeable about the credit application process and (b) contradictive statements about John Deere Financial policy regarding bankruptcy on my credit report and (c) omission of facts regarding the reason why my application was not approved when in a conversation with a credit department employee over the phone.

The first person I talked with could not tell me why my application was disapproved. She told me to contact the credit reporting agency and they would be able tell me why my application was disapproved. Really!! I said to myself, when did the credit reporting agencies start approving credit applications? She and I went back and forth over the phone and she would not budge on her opinion. I finally gave up and I hung up.

I called John Deere Financial again and was told the reason I was disapproved was because of a bankruptcy in March 2009 on my credit report. He said that John Deere does not approve credit applications submitted where there is a bankruptcy on a credit report. I told him that can’t be true because in July of 2011 I applied for a loan to purchase a tractor and was approved and not missed a payment.

Finally,I later called to asked where my letter was stating the reason for credit denial. I talked to a man who said it would be a few more days before I got the letter. I asked him would the bankruptcy on my credit report be the reason for my disapproval…he said “yes”. However, when I received the disapproval letter there were two additional reasons….”Length of time since legal item filed or collection item reported” and “slow payment history on John Deere Financial installment or lease acct”. Why wasn’t I told of these additional reasons over the phone as well?

Again, fumble and bumble at John Deere Financial.

John Deer Financial is requiring me to pay for services I did not receive.DO NOT HAVE UP-LOAD CAPABILITIES. WILL MAIL SUPPORTING DOCUMENTS.