Randy Brown

Review of Kubota Credit Corporation

This could very well be the worst experience I hav...

This could very well be the worst experience I have ever had with a credit company and I am 63 years old. In July I purchased a tractor, RTV, and zero turn mower from Lansdowne-Moody, the exclusive Kubota dealer in my area. Although I noted early on that the KCC website was at least 10 years behind the technology curve, everything was fine with the tractor and mower and I set them up for automatic payments. They even sent old-school payment coupon books for those two units even though I did not use them.
For whatever reason, the RTV was not listed in the KCC site and I could not add it manually. Additionally, no coupon book was provided. To be on the safe side, I made my first payment through my bank's billpay and assumed all would be well. 30 days later, I got a rather curt call from KCC collections that I was more than 30 days past due and subject to late charges if I did not make immediate payment. They demanded two payments. Upon protesting, the clerk pulled my records and noted that payment had been made by my bank electronically, but advised me that KCC had no way of crediting electronic bank payments to the account so the money was just sitting there in a "locked" state, whatever that is. I made two payments with the assurance that the "locked" payment would ultimately be accounted for. That was in August. It is now October and the payment is still "locked" and KCC is insisting on another payment.

Meanwhile Lansdowne-Moody called me to say that KCC informed them that I am delinquent and asked if I would bring a payment to them. When I explained what was going on, they got involved by calling KCC while I was there. KCC promised to credit the "locked" payment immediately and all seemed well. Unfortunately that call was in August and my money is still "locked". When KCC contacted me at the end of September to inform me that I was delinquent again, I called my Lansdowne-Moody rep and strongly complained. He promised to get the problem fixed immediately, but three weeks later, nothing has been done, payment is still "locked" and another payment has been demanded. The rep no longer replies to my requests for an update, so I'm assuming Lansdowne-Moody has decided it is my problem to fix. Live and learn.