Consumer complaint received 2017-02-03
Company: De Lage Landen Finance, LLC
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I have a farm tractor that meets the criteria as a Lemon under NY State Farm Equipment Lemon Law. I have discovered irregularities in the Lease Agreement executed by AGCO. AGCO identified the tractor with multiple Serial Numbers on Lease Agreement when in reality, in XXXX it was discovered it had none. AGCO changed a legally binding lease multiple times after it had been signed without the acknowledgement of all signors. The tractor was identified by XXXX/AGCO as a Model- XXXX with a serial number XXXX. 2 days later XXXX/AGCO said a little mistake, the Model and Serial Number were in error and wrote Model- XXXX and Serial Number XXXX beside the other number and requested the change be initialed but only E-mailed to me to and not to the co-signor who XXXX elevated to co-borrower without disclosure. No one showed me where the serial number was located. In XX/XX/XXXX, I discovered that the tractor did not have any Serial Number. I contacted XXXX and he sent a serial number and told me to apply it to the tractor. I returned the serial number to XXXX/AGCO commenting I thought it was a crime to tamper with a Vehicle 's Identification Number. When I returned the tractor to XXXX ( AGCO ) on XX/XX/XXXX there was not a Serial Number on tractor. On XX/XX/XXXX, I notified AGCO in writing that the tractor was a Lemon, that since the first day it was delivered to the farm the tractor was defective and AGCO had been unable to repair. Several attempts had been made by AGCO to repair including troubleshooting over the phone, sending new parts to be installed, and taking the tractor back twice. Each time the tractor was returned to the farm, it experienced the same issues. I asked to take to a different AGCO rep. AGCO said NO. I said end the contract because AGCO did not respond, did n't repair the tractor, never made any offer of substitution or resolution and never reimbursed for warranted parts purchased by me. The tractor would not start from XX/XX/XXXX until XX/XX/XXXX. XXXX was directing repair and sending new parts. Upon threat that if I did not return the tractor to XXXX, the warranty would expire so XX/XX/XXXX I returned the tractor to XXXX/AGCO to repair for the same problem. The tractor was out of service 129 days. On XX/XX/XXXX, I contacted AGCO for a list of what was done to the tractor and some guarantee that the tractor for an agreed amount of time would not have any more problems. AGCO did not respond. On XX/XX/XXXX I contacted AGCO and said I had not received any response to XX/XX/XXXX request. AGCO did not respond. I was sending information to the proper address because on XX/XX/XXXX at XXXX I sent a request to AGCO for copy of Lease and payment history to the same E-mail and by XXXX, I had documents. XX/XX/XXXX, XXXX said tractor is done, did {$30000.00} repair. On XX/XX/XXXX, I notified AGCO-Corporation, AGCO Finance, AGCO Rep. XXXX and said the tractor has no serial number, was defective the day it was delivered XX/XX/XXXX, was not able to be used for the purposes it was leased for, was unable to be repaired by AGCO, was taken back to XXXX twice, a XXXX mechanic came to where the tractor quit and could not restart, XXXX was still trying to repair in XXXX by sending more parts, AGCO failed multiple times to respond to my requests in effort to resolve or for a guarantee that the tractor would be repaired and having accepted this tractor back twice before when it was reported to have been repaired only to have the ongoing issues reoccur. I would not take the tractor back. Declare it a Lemon.Terminate the contract. AGCO did not respond. XX/XX/XXXX, XXXX XXXX said he notified all AGCO divisions of my decision. Tractor at XXXX/AGCO since XX/XX/XXXX. I heard nothing from AGCO since XX/XX/XXXX until XX/XX/XXXX when AGCO says I am in default of lease and must pay. I was not in default when I took the tractor to XXXX.

Company response to consumer: Closed with explanation