Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:03/07/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Late paperwork on their part slowed the process of me picking up a tractor trailer I bid for with ******* **** auction. I was not able to drive the truck on time as an owner operator with a planned income on $3k-$7k take home income As a result they gave me an extension then did not honor the extension of 3-15-23 and have threatened to repo my truck if $2,500 wasnt paid by the end of today 3-6-23 and keep my $8,500 deposit. The 1st payment of $1,847 should have been after they sent me the registration info like they intended

  Business Response

  Date: 03/07/2023

  We never made any such promise to the customer, as we do not allow ****** extension on payments.  He has also refused to make good on any of his promises to make the payment.  He is also verbally abusive to our staff.  Due to failure to maintain payments, we will be forced to send out for repossession.

  He also failed to complete the title process, which is a stipulation on the lease agreement he signed.  This too has caused a default in the agreement.

  Customer needs to pay past due balance and complete the title process in order to prevent his equipment from being repossessed.  

• Initial Complaint

  Date:02/06/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I bought a truck from *************** in October 2022 for $32,000 and gave a deposit in the amount of $12,800 to Dakota. I called recently to get a payoff amount and theyre telling me I owe $32,000 which is much higher than the amount financed. I wish to get a refund.

  Business Response

  Date: 02/07/2023

  The Finance Agreement the customer signed was for 36 monthly payments of $1,108.00.  The difference between the amount that he borrowed and what he owes is the cost of the financing.  The terms of this agreement are clearly outlined in the contract and terms were also explained to him during the process.  If customer didn't agree with the terms, he could have decided to not sign and we would not have funded the deal.

  If the customer has further questions, he can contact me at any time.

  Customer Answer

  Date: 02/07/2023

   
  Complaint: 19343660
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***************************

  Business Response

  Date: 02/09/2023

  There was no additional comments from the customer to respond to, so we are not sure what additional information we can offer at this time.

• Initial Complaint

  Date:11/11/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We sent out a wire payment for a down payment on vehicle. We asked to be refunded. As we decided to go with another company. Asked for a refund. They refused to refund me back. This fraudulent service and scammers. No service was provided. They exact amount of **** ******* They are used by a third party service named fresh start and commercial fleet financing. Would someone please investigate this company

  Business Response

  Date: 12/02/2022

  Business Response /* (1000, 5, 2022/11/14) */ Customer contacted our office on 11/8/2022 to inform us he no longer wanted to move forward with the financing and to request a refund. A Check Request for that refund was submitted to our accounting team that same day. It should have been in our 11/9/2022 check run, as we only run checks on Wednesday's, but it was missed. It is expected to be cut on 11/16/2022 and sent to him via *****. At no time has anyone at Dakota Financial, LLC refused to honor the customer's request for a refund. Consumer Response /* (3000, 7, 2022/11/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) Business provided false information in regards to refund. Did not reach to provide and update. Still no information my refund. This business has a bad reputation for the**** already. Still no refund going on 2 weeks Business Response /* (4000, 9, 2022/11/15) */ We are processing the refund and the check is scheduled to be cut on 11/16/2022 and sent out via *****, which will be within 5 business days from the date we received the request from the customer. We are sorry the customer is disappointed in the process.

• Initial Complaint

  Date:10/13/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  see Attached document Click here to Get the File - use the Password: **************************************************************

  Business Response

  Date: 11/08/2022

  Business Response /* (1000, 8, 2022/10/28) */ Dakota is a commercial asset-based lender who receives credit applications from vendors on the request of financing from their customers, just as most financial institutions. Dakota Financial, LLC does not independently inspect or warranty any equipment a customer asks us to finance for them. All promises made between the customer and their vendor is solely between those parties and are not supported or guaranteed by Dakota Financial, LLC. We rely solely on the signed agreement between the customer and Dakota Financial, LLC. This customer signed multiple Dakota documents that clearly stated Equipment Lease Agreement which outlined the terms of this agreement. Dakota Financial, LLC never represented anything other than what is stated in our contract. We had a verbal review of the contract with the customer on 6/16/2022 before funding the transaction to ensure the customer wanted to move forward with this transaction even though they had not seen or driven the equipment and they were clearly aware of the terms of the contract. At no point on that call did the customer raise any concerns or confusion at that time. The customer contacted our office on 8/30/2022, over 60-days past funding to notify us of mechanical issues with the equipment. We referred them back to their vendor and reminded them that we do not independently inspect the equipment and any disputes are clearly between the customer and their vendor. We offered either a Voluntary Surrender of the equipment as well gave more time to make a decision and the payment that was due at that time. On 9/12/2022, customer informed Dakota Financial, LLC that they would be keeping equipment and set up a payment plan to make one-half monthly payments every Friday, with Tanika, to get them current by 9/30/2022. The customer failed to make those payments and a legal notice was sent to them. This customer is currently in possession of the equipment, 64 days past due and no longer making any attempt to satisfy the terms of the contract. If customer would like to surrender the truck, they simply need to contact our office and we will be happy to give them a location closest to them to return it to. We have offered this to them, but to-date, no action has been taken by the customer to resolve the issues with their account with Dakota Financial, LLC.

• Initial Complaint

  Date:09/06/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On September 6 which is today at 11:30 ish I was awaking by a phone call from **** at ****** ********** He started off by saying that he was following up with me about bank info I respond by saying I was just getting up out the bed that I will call him back he went on to ask for a date I continue to say I can't give u one at the moment I am getting out of the bed I will call u back after my fourth time he got aggressive over the phone saying he needed a date I ask was something wrong with him or he must don't understand he continued to go on about a date I hung up in his face. **** it's like I'm being ******** by them when it come to doing business with them. Then after things didn't go his way which is after I hung up he text and *********** my saying if I don't make my payment on the 15 of this month that he will put my trucks up for repo until I can provide bank information which is not protocol. I'm tired of the threats about repoing cause he is argue or things didn't go his way. Something should be done about this **** I've been a good paying customer for going on two years now is this how I deserve to be ******** I assume not.

  Business Response

  Date: 10/12/2022

  Business Response /* (1000, 5, 2022/09/07) */ This customer needed to change his banking information, for payment purposes, and made a request with one of our representatives on 8/29/2022 to have him call the customer back on 9/6/2022 to obtain that information. That representative did so on the requested date, during normal business hours, per the customer's instructions. I do apologize if the customer felt that our representative was aggressive. We strive to show respect, even during difficult conversations, to our customers. We fell short in this occurrence and will make sure to improve in the future.

• Initial Complaint

  Date:08/18/2022

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The contact they sent me in the email does not match the contract on the electronic DocuSign . They switched up the contract and added hidden fees and taxes at the last minute. Also damaged my credit report by doing a hard pull 2 times

  Business Response

  Date: 10/13/2022

  Business Response /* (1000, 5, 2022/08/18) */ We do not currently have any contracts with the person. If they had signed any contracts through DocuSign, they would have been the same ones we would have sent them once we had countersigned it. They applied for financing in late June 2022 at which time, we pulled their credit. They then applied for credit a second time, through another dealership, more than 30 days later, which meant we had to pull their credit again. All applications state that we do pull a hard inquiry, so the customer was aware of this at time of application. Consumer Response /* (3000, 7, 2022/08/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) The dealership and the company failed to mention that this is a leasing agreement. with *** down payment on a *** used truck and 48 months in payments at ** a month. With hidden taxes and fees. And at the end of the lease I had to pay and extra *** Adding up to **** on a *** used truck. I never told the dealership to send my finance application to some leasing crooks. They switched up the contract in the last minute and Tried to steal my down payment I have copies of all the letters to prove Business Response /* (4000, 9, 2022/08/19) */ This customer received two separate approvals based on the two separate applications we received. The fist was for an Equipment Financing Agreement and the second was for Equipment Lease Agreement. Both approvals were based on a number of ********* such as age and price of equipment. These were two very different pieces of equipment, and we offer the type of agreement that meets our criteria. All Dakota Financial documents clearly outlined the terms of the agreement. Dakota Financial never represented anything other than what is stated in our contract. No customer is pressured to accept our financing, which in this case, the customer decided against moving forward on both separate approvals. This customer can go to any other commercial financial institution to get the financing they are looking for. Consumer Response /* (4200, 11, 2022/08/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) Yes, I refused to sign that 48 month slave contract you offered me in the docusign. Please remove all my data from your computers and remove the hard pulls you put on my credit report.

• Initial Complaint

  Date:08/03/2022

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased a Semi truck, here in Tennessee. Tennessee has no sales tax on commercial vehicles, if used for commercial purposes, like transportation of general freight. When I was at the sales lot and the salesman was writing up my deal, I said, how much is sales tax ? He said, Tennessee has no sales tax on commercial vehicles. When I went to county clerks office to do application for title, they confirmed that my purchase was sales tax exempt, since I use it commercially. Yet, now Dakota is trying to charge me 106 dollars a month for 3 years, for Tennessee sales tax. I have sent them proof and tried my best to explain this to them, with no results

  Business Response

  Date: 08/09/2022

  Business Response /* (1000, 5, 2022/08/08) */ The State of Tennessee, where **. ****** is a resident, mandates that we must collect Use Tax on all Leased Equipment within the state. We explained to **. ******, that without a Tennessee Tax Exemption Certificate, we would be forced to collect the tax that his state requires. We directed him to the Tennessee Department of Revenue for any additional questions or for Tax Exemption application. Dakota Financial is obligated to follow all local, state, and federal tax laws based on the state of residence of our customers. If **. ****** does get approved for the Tennessee Tax Exemption Certificate, all he will need to do is send us a copy and we will then be able to stop collection of the Use Tax. Consumer Response /* (2000, 7, 2022/08/08) */ (The consumer indicated he/she ACCEPTED the response from the business.) After I talked to numerous people at Dakota, I finally reached someone who explained to me it wasn't sales tax, it is a use tax. Everyone else I had previously spoke with, was referring to it a a sales tax. I am trying to find information on the use tax exemption at this time.

• Initial Complaint

  Date:06/14/2022

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Dakota Financial has taken my down payment of ********* on a Commercial vehicle purchase from Ohio Truck Sales in Sandusky, Oh. They led me to believe that they were financing this truck purchase at the time of purchasing this truck. I gave OTS ******* dollars to hold the truck and I brought a ********* dollar cashiers check from my bank for the down payment on the loan. The list price for this truck was ********** There should've been ********* plus financing owed on the loan. After the truck was bought and brought to my house, I was then led to believe the first year of the "loan" was a lease. I feel like dirty play has taken place to fraudulently steel the ********* dollar down payment and they are getting away with this same practice from other consumers per reviews. I would like for you to investigate Dakota Financial for fraudulent practice against truck driver consumers by stealing our down payments to purchase trucks from Dakota Financial accomplices, ****** Brothers, Ohio Truck Sales and whomever else that does business with this so called finance company. I want my money back and all the payments I've made on this piece of equipment. I did not receive this so called loan document until after the truck was purchased and brought home. They have the truck. I just want my money back. Best regards ****** *******.

  Business Response

  Date: 07/06/2022

  Business Response /* (1000, 5, 2022/06/22) */ Many of the claims made by the consumer are patently false. The customer signed his contract on 8/13/20, and it was funded on 8/24/20. No transaction would ever be finalized and funded without a signed contract in place. It would be impossible for the customer to sign a contract they never received. The customer appears to be upset because his contract is currently in default due to past due payments, abandonment of the asset, unauthorized accrual of fees aqainst the asset. Unfortunately we are not in a position to return any payments made on a contract that is currently in default. Business Response /* (-10, 6, 2022/06/22) */ Business supplied email:******************** Use this address for any contact with the Better Business Bureau