Business Profile

Financing

DLL Finance, LLC

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Financing.

Complaints

This profile includes complaints for DLL Finance, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

14 total complaints in the last 3 years.
6 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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:02/06/2025
Type:Product 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.
My Bankruptcy was discharged and the wrong type of tax form was sent to me. I need this fixed so I can file taxes. With a discharge in chapter 7 I should have received a 1099-C
Business Response
Date: 02/12/2025
This matter is resolved. A new 1099 tax form was sent to complainant last week once we received the proper bankruptcy information.
Initial Complaint
Date:11/08/2024
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.
I recently attempted to finance a device through **********************, and it has been the worst experience I have ever encountered in my years of business. The information collection was excessive and intrusivefar beyond whats standard for a financing application. Despite my credit scores being over *** across the board and my background as CEO of my own company, fractional CTO of two airlines, and a former consultant at both *** and *********, DLL still imposed an unreasonably lengthy and complex approval process.After finally getting through their excessive requirements, DLL confirmed my shipping address, yet still managed to ship the device to the wrong location. To make matters worse, after I had already purchased accessories to complement the device and the device itself had been shipped, DLL decided to recall it without any reasonable explanation. Then, I received a notification saying I would need to wait 30 days for more detailsthis, after all the wasted time and resources Ive already spent dealing with them.When I tried calling their customer service number for help, I waited on hold for 20 minutes, only to be told that I should contact the vendor instead. This response made it clear that DLL does not understand what customer support means. I have never had my time so wasted by a ********** a professional who relies on timely and accurate service, I am deeply disappointed. I strongly believe ***** should reconsider its association with DLL Finance, as this experience reflects poorly on ****** commitment to customer satisfaction.
Business Response
Date: 11/19/2024
We cannot respond with the information provided as we are not able to locate an account. We request that the complainant provide an account number or company name to assist with our search so that we can respond
Customer Answer
Date: 11/19/2024
Please see this thread with details.
Customer Answer
Date: 11/21/2024
Please see this thread with details.

Business Response
Date: 11/22/2024
Please find the attached response on behalf of *************************************************
Customer Answer
Date: 12/01/2024
Complaint Reference: 22526923

I am rejecting this response for the following substantial reasons:

1. Mishandling of Business Verification
- The business incorrectly claimed they "could not find" my valid tax number
- Our business has been established and operating for 2 years with proper documentation
- This error on their part was the basis for an incorrect rejection
- The verification failure appears to be due to their internal process issues, not any fault on our end

2. Time and Resource Impact
- This process has created significant operational disruptions:
- Multiple hours spent on communication with Apple support
- Business productivity losses due to device recall
- Administrative overhead of managing the verification process
- Repeated submission of already-verified business documentation

3. Severe Business and Economic Impact
- This process has directly blocked pending orders of 40+ additional iPads across two separate accounts
- The cumulative effect of this extended process has resulted in:
- Lost working hours that could have been spent on business operations
- Reduced productivity due to lack of necessary equipment
- Additional administrative costs
- Time spent by multiple parties (our business, *****, support staff) that could have been better utilized
- Significant delay in deploying essential technology across our organization
- Potential impact on our business scaling and operational efficiency

4. Process Inefficiencies
- Initial deployment of iPad followed by unexpected recall
- Failure to properly verify readily available business credentials
- Extended resolution timeline exceeding standard service expectations
- Multiple rounds of unnecessary documentation requests

Requested Resolution:
1. Immediate review and acknowledgment of our valid business credentials
2. Expedited resolution of the iPad recall situation
3. Implementation of process improvements to prevent similar verification errors
4. Compensation consideration for the extensive business disruption and time wastage

This situation represents a significant failure in business verification processes and has created an unnecessarily prolonged resolution timeline that impacts not just our business, but represents a broader economic inefficiency through wasted time and resources across multiple organizations.

Sincerely,
******** ******
Business Response
Date: 12/09/2024
Please find the attached response to the customer's rejection letter.
Initial Complaint
Date:10/22/2024
Type:Service or Repair 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 tractor from a ***** dealer and financed part of the tractor through *****************. I have been paying extra on the loan amount every month and discovered that the extra money was going towards the following month payment and not towards the principal. I called ***************** today 10/21/2024 and I was told that I would have to call them every month after I make a payment and it clears my bank to advise ***************** to have them apply my extra money to my principal and not applied to the next months payment. I believe that this is a very deceptive practice.
Business Response
Date: 10/30/2024
Please see the attached response on behalf of ***************************
Customer Answer
Date: 10/30/2024

Complaint: 22453156

I am rejecting this response because: i haven't received a response i was sent a message with a code to enter but there is no response so I have to disagree.

Sincerely,

******* ******
Business Response
Date: 11/01/2024
Apologies. I thought I attached it. See attached response.
Initial Complaint
Date:08/06/2024
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 had purchased a tractor from a kioti dealer. DLL was the business that provided me with the loan. I discussed with the man that sold it to me how I would like to get it financed. He agreed to help me work with DLL to get the terms I had asked for. DLL first said it was no problem they would just need to rework the deal to get me the correct interest rate. So when they did drop my interest rate they raised the actual sale price to where it didnt help me at all. I have saved emails and text with the salesman saying he could get it done. I also have a letter from the financial company saying they could do it for a small fee. It says nothing about the sudden increase in the price. All I wanted to do is pay for the implants for my tractor and get a lower interest rate. Instead when they give me a lower rate they raise the price. I dont feel its right for people to run deals if they just charge more to compensate for what they say you are saving
Business Response
Date: 08/09/2024
Please see the attached response on behalf of DLL Finance LLC.
Customer Answer
Date: 08/09/2024

Complaint: 22099921

I am rejecting this response because:
This was a screenshot I sent the dealership for the lower rate. I should have been offered it to start with. Even after the fact the dealer assured me that we could keep the same price we had discussed but could put in the lower finance percent without question or problem.
Sincerely,

*********************
Business Response
Date: 08/22/2024
Please find a secondary response on behalf of AGCO Finance LLC.
Initial Complaint
Date:08/02/2024
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.
Large personal purchase.Received email notification of auto payment 4 days before due date. No statement received for July 2024.Per 15 US CODE 1666e (b) I am supposed to get my statement 21 days before due date. I never have.Several requests to have late payment removed. Company refuses to remove late payment from credit reporting.When I emailed to ask why 4 days before the payment due I received a response admitting they have been in violation of this code. Still refuses to remove late payment being reported due to violation of 15 US CODE 1666e (e).Picture of email received admitting they have not been in compliance.Unable to file a report with CFPB. They don't have this customer in their list.
Business Response
Date: 08/09/2024
Please see the attached response on behalf of DLL Finance LLC.
Customer Answer
Date: 08/12/2024

Complaint: 22079960

I am rejecting this response because: this company's employee told me the late would be removed from credit ***orting when I signed up for auto payment, it was then told to me that "promise" would not be honored. Employee should NOT have told consumer it would be done if the company would not honor or stand by their employee.
No mention of call being listened to to show the consumer is mistaken in my memory of the promise.
The company just failed to honor what employee told consumer and continues to dishonor what was told or provide proof that was not promised by employee to consumer.
If company *** promised to remove late as a result of signing up in autopay, company should honor what was told to consumer!

Sincerely,

****** A ****
Business Response
Date: 08/22/2024
On behalf of DLL Finance LLC, attached please find our response to claimants rejection to our original response to the complaint.
DLL is continuing to investigate this matter and will provide more information upon receipt.
Business Response
Date: 08/29/2024
See attached
Initial Complaint
Date:07/15/2024
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.
On two sperate occasions via certified mail, I have requested full disclosure on the alleged loan from DLL Finance. On both occasions, I received no response to the information requested which is a violation of the Fair Credit Act Reporting Act. DLL refuses to verify the loan with full disclosure being who funded the loan, how was the promissory note used, how are the payments reflected on the account, where did the money come from, etc,... DLL Finance is a very secretive company and only demands payment and nothing more.... Two attempts were made to payoff the alleged loan with negotiable instruments per the *** and FCR and they were both denied by DLL.
Business Response
Date: 07/31/2024
Please see the attached response letter on behalf of DLL Finance LLC.
Customer Answer
Date: 07/31/2024

Complaint: 21992470

I am rejecting this response because:
firstly, the letter sent to me clearly shows someone elses name at the top of the letter. This should first informal show that DLL finance is unorganized and confuses one account with the other.
Secondly, sending me a copy of an agreement that I signed is not full disclosure of a loan. There was no meeting of the minds. Theres no contract signed by both parties and again it does not show full disclosure of what was done with Those documents. There is clearly language in the **** And other banking documents that show how negotiable instruments can be used.
This is not an attempt to not satisfy a debt, if owed, but rather an attempt for full disclosure about documents, Ledgers, bookkeeping, and any other information related to how the loan was funded.
I have spoken to DLL finance by phone and they are unwilling to provide any of that information which is violation of the ******

Sincerely,

*************************
Business Response
Date: 08/05/2024
On behalf of DLL Finance LLC, attached please find a response to the customer's rejection of our original response.
Initial Complaint
Date:01/26/2024
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.
The company refuses to update my information correctly on the webpage payment site. I have filed several complaints on their complaint page and NOTHING has been done..I have made numerous phone calls spoken to several company reps and nothing has been done! my information is still NOT correct !!!!!! My address information is reversed and NOT correct! To be exact my mailing address is listed as my physical address WRONG ! I demand my information be corrected! this is a blatant violation at this point for I made it known I want my information to be CORRECT!
Business Response
Date: 02/13/2024
Please see the attached response on behalf of DLL Finance LLC.
Customer Answer
Date: 02/13/2024

Complaint: 21203664

I am rejecting this response because it clearly shows the lack of education and training of this company and staff working there... I already uploaded proof that the portal address listed and shown are reversed this is INCORRECT (which is the problem) and clearly is my original complaint here. GET MY INFORMATION RIGHT YOU IDIOTS

Business Response
Date: 02/14/2024
Thank you for providing the screenshot. Please confirm that the addresses listed should be switched and shown as follows:
Billing Address: PO Box 74
Physical Address (Location of the Equipment): **********************************************; - should the **** be removed? This is the full address listed on your contract.
If this is not correct, please provide the correct information. I understand that you have previously provided this information, but I was not involved at that point and am only trying to assist with correcting this for you now.

Customer Answer
Date: 02/14/2024

Complaint: 21203664

Is is so hard to do the obvious without all this hassle? This is absolutely ridiculous and downright absurd ! any educated person knows a PO BOX is NOT a physical address
All my information is correct but your so called IT department needs an overhaul get it right or I will contact the government of ***** you have wasted enough of my time already
You idiots !
Initial Complaint
Date:01/22/2024
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.
The piece of equipment I bought in July 2023 was financed thru them. I called 01/20/24 wanted to know the breakdown of how my payment was applied. They offered an amortization schedule. I told her that was a projected payment schedule. I wanted actual. I asked about what was applied to principal. She told me interest of $7.12. I asked how much went toward insurance on equipment - $22.87. I asked again about principal and she said $202.88. That cannot be correct. If I paid $210.00-interest **** - insurance $22.87, that leaves $180.01 that would be principal. When they send you an invoice/statement for next payment, it does not reflect previous payment being made and a breakdown of how it was applied. If you call and they cannot tell you how your funds were applied, it feels as thought they are applying funds to their advantage and have something to hide, taking more than they should, especially when the customer service rep cannot provide you accurate information. She appeared clueless and she had to put me on hold before she could give me an amount. She had my account pulled up, she should have been able to see it. Also, when you look at their website and at payments made you just see you made a $210.00 payment. You cannot see your payment breakdown online either.
Business Response
Date: 01/30/2024
Thank you for bringing this matter to our attention and for the opportunity to respond. Please note that the agreement with ************** contemplates a transaction for agricultural purposes, and not for consumer purposes.
While DLL Finance LLC ("DLL") acknowledges any inconvenience ************** has experienced, it does not believe it has acted inappropriately or in contravention of any law.
Regarding **************** account, it is important to note that the account is a precomputed interest contract, and not a simple interest contract. As such, payments made are applied as detailed on **************** original amortization schedule. The specific amounts included in each monthly payment are indicated in detail on the original contract. More specifically,when ************** makes payments in excess of the required monthly amount, the excess amounts are applied as future payments in accordance with the original amortization schedule. As additional clarification, in the event that ************** pays the account in full prior to the contractual termination date, she will be credited or refunded any unearned interest.
In establishing its payment application methodology, DLL follows any relevant state law requirements, and in ****************** case, ********* law does not require that DLL adopt any specific payment application methodologies. However, DLL strives to be a valuable partner and resource to its customers. As such, DLL has staff continuing to make improvements to the customer payment portal and addressing various concerns and has staff dedicated to responding to customer inquiries and phone calls, including related to payment matters.
If you have any questions or wish to discuss further, please feel free to contact us.
Customer Answer
Date: 02/02/2024

Complaint: 21176421

I am rejecting this response because:
If their customer service people cannot tell how funds were applied, it needs to be broken down on the statement. I was told false information, which I put in my complaint.
also, this is not for agriculture purposes this is for personal use. And was purchased as such.
I have notified the place I bought it and shared what a bad experience DLL is providing and how negative their reviews have been. That if they are who they use to finance if I were to purchase something else, I would not be buying.
please send me an amortization schedule, if that is the best you can do.

Sincerely,

***********************
Business Response
Date: 02/12/2024
Please find the attached additional response on behalf of DLL Finance LLC.
Initial Complaint
Date:11/13/2023
Type:Service or Repair 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 have no idea where this company got my name, number, and address from, but they have called claiming I have an account with them when I do not, and then asking for additional personal information (social security number, etc..., but would not give me a verbal account number. Now, today, I've gotten mail with "how we use your personal info". But still no account info.
Business Response
Date: 11/28/2023
We appreciate you bringing this matter to our attention and giving us the opportunity to respond.
Turning to the merits of the complaint, **************** has indicated that he is unsure how DLL Finance LLC (DLL) obtained his personal information. Upon investigation, DLL has confirmed that **************** has had an account with DLL since 2017. The Retail Instalment Contract and Security Agreement was entered into between ***************************** and ******************** LLC and subsequently assigned to DLL. The account has been on automatic ACH payment since September of 2017 and a voided check and other personal information, including Mr. ******* drivers license, was provided to DLL at that time. A copy of Mr. ******* contract and other account information will be mailed directly to **************** for his reference. If **************** still has concerns regarding this account, we ask that he contact us immediately.
If you have any questions or wish to discuss further, please feel free to contact us.
Initial Complaint
Date:10/09/2023
Type:Product 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 financed a tractor, loader, and a dump trailer through DLL Finance. The loan was paid off on 8/21/23, Agreement # ***************. Initially, I was told the title would be sent out between 2-4 weeks. I called on the 4 th week and was told it would be 4-6 weeks. On the 6th week, 10/4/23, an email would be sent to the title department and would receive a call back on 10/5/23. After no answer on 10/5/23, I called to speak with a manager. I was told a message was sent to a manager and they would call on 10/6/23. Still no answer and no title for the trailer.I also filed a complaint with them internally.I need this title overnighted because the trailer has been sold on 8/21/23. This is holding up the sale of the trailer and Im concerned the buyer will walk away.
Business Response
Date: 10/13/2023
We appreciate you raising this issue to our attention and the opportunity to respond. Please note that the contract contemplates a transaction for agricultural purposes, and not for consumer purposes.
While DLL Finance LLC (DLL) is sympathetic to **************** situation, DLL believes it has acted appropriately regarding the Retail Instalment Contract and Security Agreement entered into between ********************* and National Truck & Equipment, which was subsequently assigned to DLL (the Agreement).
Turning to the merits of the complaint, ************** has requested that DLL provide him with the title to his trailer financed under the Agreement. Upon investigation, DLL confirmed that ************* never applied for or provided DLL with a title and DLL has never had possession of a title nor the Manufacturers Statement of Origin (MSO) for the equipment subject to the Agreement. DLL confirmed with the **** ********** of ***** Vehicles that the trailer has never been titled or registered in the *************. In order to assist ************** with obtaining a title, DLL provided ************** with a No Interest Letter on or about October 6, 2023. DLL is happy to provide any additional documentation needed to assist ************** in obtaining a title to the trailer.
If you have any questions or wish to discuss further, please feel free to contact us.

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.

Cookies on BBB.org

Complaints

Customer Complaints Summary

If you've experienced an issue

Filter and sort by

Sort by

Complaint status

Complaint type

Complaint statuses

Business Response

Complaint statuses

Business Response

Customer Answer

Customer Answer

Business Response

Customer Answer

Business Response

Complaint statuses

Business Response

Customer Answer

Business Response

Complaint statuses

Business Response

Customer Answer

Business Response

Complaint statuses

Business Response

Customer Answer

Business Response

Business Response

Complaint statuses

Business Response

Customer Answer

Business Response

Complaint statuses

Business Response

Customer Answer

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

DLL Finance, LLC is NOT a BBB Accredited Business.