Exeter Finance Corp. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
01/19/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IN
  • 46235
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX Exeter Finance XXXX. XXXX XXXX XXXX, TX XXXX XXXX : Acct # : XXXX To W hom It May Concern : This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy and/or completeness of information you have posted to my credit file. I am sure we both understand that most disputes are often conducted using software, such as XXXX, and that mistakes can be made during that process, and that the software can have limitations when it comes to completing a proper investigation of records. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623. On separate occasions, I have disputed with all credit bureaus ( XXXX, XXXX, and XXXX included ) pertaining to an auto loan with Exeter Finance Acct # XXXX for the date of last activity, payment history, status and the disputes returned verified. After some further investigation on my part, I am also concerned that this account may not belong to me, and/or the reporting to XXXX, XXXX, and XXXX may be inaccurate and incomplete. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/XXXX ), 16 CFR 660.4, this Notice of Direct dispute includes the following : -Validation of account # XXXX -Payments history is inaccurate and varies across all credit bureaus -Deficiency Balance Claim Basis for This Direct Dispute : Validation of account # XXXX Due, to so many inaccurate reportings, by Exeter finance and in a final attempt to either validate this account completely and/or have this account, in its entirety, removed from my credit files. I demand Exeter finance to clear the record by providing the information listed below : - Verifiable and irrefutable evidence of payments made o Since you have proven to not be a good record keeper and have shown how predatory you can be towards my credit files. I demand for you to provide me with factual account details for Acct # XXXX, as well as, factual verifiable account and transaction details of Exeter finances Personal/Business Account ( showing precisely what date payments went into your account, how they went it and via what method the payments/late payments went into Exeters account with ). - Factual history of payments/late payments - Methods of validation you used to validate this account, its information and its payment/late payment history with all credit bureaus during each dispute within the past 6 months. - I also demand to see how payments, were allocated towards this account Acct # XXXX, as well as, how payments were allocated toward principle and interest amounts. ( Not just a regular account notice. I want to see what percentage of payments went to each, for all payments late and on-time ) - Per your website it says ( 4 ) extensions were granted. Pursuant to Sec. 36a-784. ( Formerly Sec. 42-97 ). Renewals and extensions. Whenever any sales finance company or retail seller renews or extends the installments remaining unpaid so that the retail installment contract is both extended beyond its original date of final payment and the installments are reduced or increased in amount, such renewal or extension agreement shall be in writing. Please provide documentation of such. In addition, please provide documentation of how these were calculated into my payments, balance or account period. If you unable to provide any of the information listed in this paragraph, please correct any applications of this towards any and all balances. - I demand proof of contractual obligation, liability waivers, etc. ( Any and all signed documents ) - If you claimed a XXXX please provide copies of such documentation as well any documentation that would prove that it should not be rescinded. Payments history is inaccurate and varies across all credit bureaus : Payment dates/Late payment dates ; were verified by you as accurate, changed, and then re-verified multiple times. - Per the information listed for this account Acct # XXXX on your website and in accordance with the payment notifications listed there or lack thereof, accounting shows ( 28 ) payments made, but the payments, you have verified with each of the credit bureaus only shows that you have applied, at most, ( 23 ) payments. Where are these other payments? How did they disappear? Where would they go? And if applied elsewhere please provide my consent and notices from Exeter indicating such. - Furthermore, each time I have disputed this account, you have change the payment dates/late payments dates. How can you verify the information as accurate with the credit bureaus then change the late payment dates and re-verify then change the payment dates again? - Each of the credit bureaus has a different variation of payment history for this account. Each Dispute produced different variations of what was supposed to be verified, as of the 1st dispute. - Date of First Delinquency : have been reported as one date, changed, and then verified and changed again. According to the various, ever changing payment/late payment dates the Date of 1st delinquency could be any of about 4 or 5 different dates .This is classified as re-aging an account which is in violation of FCRA Section 623 ( A ) ( 5 ) In addition, Provide valid dates of : - when you claimed repossession/ took possession of the vehicle listed under this account - when charge off officially took place. - Also, accurately verified open and closed dates of this account - Also, Ive never mailed in payments on any account before, as well as the account I had at this time did not have checks attached to it. Exeter account shows a mailroom payment listed on the account shown as : XX/XX/XXXX XX/XX/XXXX Payment Received - Thank you. Mail Room - Bank Account {$360.00} o Please provide copies of this payment account number/name on account/authorization/payment method, as well, Exeter Finances own bank and transaction records to verify the validity of this payment. If payment method was money order/check please provide copy of check/ money order showing a signature and a tracking/account number name etc. I do believe this payment to be illegal and in violation. - XX/XX/XXXX there was a fee waive shown as : XX/XX/XXXX XX/XX/XXXX Fee Waived - Thank you ( {$480.00} ) o Please provide information on what this fee/payment was for and how it was paid, who paid it, as well as an explanation to why a payment is being made in XX/XX/XXXX? Please clarify the record, provide correct dates for all 3 credit bureaus reporting as well as a correct payment history for the account. Your failure to in providing the irrefutable proof listed in all sections before this, will show your unwillingness to validate this account. If you are unable to perform a reasonable investigation, or you are unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. Please be sure to make sure everything you report is valid and true. Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ), you have the duty to review all of the information in this Notice of Dispute, to complete your investigation, and report back to me the results of your investigation, within 30-days of my Notice of Dispute. Also, be advised during the years your company has also made multiple violations per FDCPA - Contacted a relative and mentioned details of this debt - Contacted my place of employment mentioning details of this debt Best Regards, XXXX XXXX Cc : CFPB Cc : FTC Cc : XXXX Cc : XXXX Cc : XXXX Cc : XXXX Cc : XXXX Cc : XXXX Attorneys General Office Pursuant to Sec. 36a-784. ( Formerly Sec. 42-97 ). Renewals and extensions. Whenever any sales finance company or retail seller renews or extends the installments remaining unpaid so that the retail installment contract is both extended beyond its original date of final payment and the installments are reduced or increased in amount, such renewal or extension agreement shall be in writing. Such sales finance company or retail seller may, any law to the contrary notwithstanding, make or collect a total additional charge therefor not exceeding an amount equivalent to a true rate of interest of twelve per cent per annum on the respective descending balances computed from the date of the oldest unpaid installment existing prior to such renewal or extension. When the renewal or extension does not include both an extension beyond the original date of final payment and a reduction or increase in the amount of the installments, such sales finance company or retail seller may make a total additional charge therefor up to the maximum lawful contract rate of interest permitted under the laws of this state but not exceeding twelve per cent true interest per annum, on the payment or payments extended for the period or periods of the extension. Disputes to Furnishers : You must investigate a consumers dispute if it relates to : the consumers liability for a credit account or other debt with you. For example, disputes relating to whether there is or has been identity theft or fraud against the consumer, whether there is individual or joint liability on an account, or whether the consumer is an authorized user of a credit account ; the terms of a credit account or other debt with you. For example, disputes relating to the type of account, principal balance, scheduled payment amount on an account, or the amount of the credit limit on an open-end account ; the consumer 's performance or other conduct concerning an account or other relationship with you. For example, disputes relating to the current payment status, high balance, date a payment was made, amount of a payment made, or date an account was opened or closed ; or any other information in a consumer report about an account or relationship with you that affects the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or lifestyle. Furnisher Rule 660.4 ( a ) Notes : Section 623 of the Fair Credit Reporting Act ( FCRA ), enforceable under the Fair and Accurate Credit Transactions ( FACT ) Act ; affords consumers the right to request that the furnisher of information conduct a reasonable investigation into the completeness and accuracy of the information being reported to the credit bureaus. Furnishers of information ( especially OCs ) are required under Section 312 of the FACT Act to establish and maintain guidelines on the accuracy and integrity of information furnished to credit bureaus, which means they should be able to conduct a proper investigation or records. Failure to perform a reasonable investigation can constitute legal action under the FCRA, Section 616, for willful non-compliance. Case law establishing liability of reporting inaccurate information was established in XXXX v. XXXX and XXXX v. XXXX XXXX. Failure to conduct a reasonable investigation can also lead to complaints being filed with your states Attorney General, the Federal Trade Commission and the Consumer Financial Protection Bureau. Guidelines for Policies and Procedures You must establish and implement written policies and procedures regarding the accuracy and integrity of information you furnish to a CRA. Guidelines are in Appendix A to XXXX XXXX XXXX XXXX. Read the Appendix ; the information here is just a sample. Your policies and procedures : must be appropriate to the nature, size, complexity, and scope of your activities ; must be reviewed periodically and updated, as necessary ; should ensure that information provided to a CRA is for the right person, and reflects the terms of the account and the consumer 's performance on the account ; require maintenance of records for a reasonable amount of time ; establish internal controls for the accuracy and integrity of information, such as through random sampling ; prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers ; and require updating of furnished information where necessary. Information should : be substantiated by your records when it is furnished ; include consumer identifiers, like name ( s ), date of birth, Social Security number, telephone number ( s ), or address ( es ) ; and be furnished in a standardized form and specify the time period it pertains to. If you dont comply with the FCRA, you may be sued by the FTC, Consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers. The FCRA provides for maximum penalties of {$3800.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 621 Deficiency Notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX Exeter Finance XXXX. XXXX XXXX XXXX, TX XXXX Acct # : XXXX To Whom It May Concern : Under the laws of the State of Indiana UCC 9-506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices, dates mailed, not dates listed on a piece of paper Ive never seen before and proof of the commercially reasonable manner of the resale of the subject vehicle, a security agreement that shows I owe the debt and proof that you upheld your part of the security agreement and a liability waiver. If you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies If no such proof is provided within 15 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. Sincerely, XXXX XXXX
05/25/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
Web
After paying off my loan, an overpayment was made to ensure the loan/interest would be fully satisfied. The finance company and a contracted company they hired are now refusing to refund the overpayment. Exeter Finance, the company that made the loan has not responded to any emails I have sent. When I called, the told me I have to speak with XXXX. Please see my email conversations below : XXXX XXXX XXXX ( 12 hours ago ) to me, customerservice Dear XXXX XXXX, We have received your email regarding your Exeter Finance Refund. You will need to contact Exeter regarding the how to receive the refund. Please contact us with any additional questions or concerns as your satisfaction is our top priority. Prepaid Card Services ( XXXX ) XXXX -- - Original Message -- - FROM : XXXX SENT:XX/XX/XXXX XXXX XXXX TO : XXXX, XXXX CC : SUBJECT : Re : Fwd : Refund of Over Payment via Check [ Case ID # : XXXX ] Thank you for your response. Please contact Exeter Financial to discuss how, either your company or Exeter is going to refund the overpayment. I do NOT want another card issued to me, I simply want a refund of the overpayment. I also never agreed to have my information shared with your company by Exeter to have a " prepaid '' card issued in my name. Your company or Exeter Financial will need to figure out how you will mail me the refund to my address in XXXX. Thank you, XXXX XXXX On Wed,XX/XX/XXXX at XXXX XXXX, XXXX wrote : Dear XXXX XXXX, We have received your email regarding your Exeter Finance Refund. We can not send a check or card outside of the US. You will have to contact customer regarding where you want the card or check mailed. Please call our Customer Service Team at XXXX ( for lost, stolen cards, or not received ), for assistance to determine if a new plastic can be reissued. It takes approximately 7-10 business days to receive a new card. We appreciate your patience in this matter and apologize for any inconvenience this may cause. Please contact us with any additional questions or concerns as your satisfaction is our top priority. Prepaid Card Customer Service XXXX International number:XXXX -- - Original Message -- - FROM : XXXX SENT:XX/XX/XXXX XXXX XXXX TO : XXXX CC : SUBJECT : Fwd : Refund of Over Payment via Check Please mail me a refund of the over payment to Exeter Financial via check, for the entire overpayment of {$50.00}. I do not wish to use the prepaid XXXX you mailed me as I have moved to XXXX and the exchange rates and 3 % international fee are ridiculous. I attempted to call your company from XXXX but was unable to get through to a person to speak to about this request and was disconnected. I also tried to activate the card to ACH the funds to my XXXX XXXX but your website said it was unable to activate. My information is as follows : XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX, XXXX, VA XXXX New Address : XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX, XXXX Number on Card : XXXX Validity : XX/XX/XXXX Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 14 minutes ago ) to customerservice Please see the email chain below. XXXX XXXX XXXX XXXX XXXX ( 5 minutes ago ) to inquiries Please see the email chain below. Neither your customer service email address or the " secure '' messaging service through the website appear to be working. Please refund the overpayment, via check, to the following address : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX The company you sent the overpayment to, XXXX, is absolutely useless. Thank you. XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX XXXX Date : Fri, XX/XX/XXXX at XXXX XXXX Subject : Fwd : Re : Fwd : Refund of Over Payment via Check [ Case ID # : XXXX ] [ Case ID # : XXXX ] To : XXXX Please see the email chain below. XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX Date : Thu, XX/XX/XXXX at XXXX XXXX Subject : Re : Re : Fwd : Refund of Over Payment via Check [ Case ID # : XXXX ] [ Case ID # : XXXX ] To : XXXX, XXXX Dear XXXX XXXX, We have received your email regarding your Exeter Finance Refund. You will need to contact Exeter regarding the how to receive the refund. Please contact us with any additional questions or concerns as your satisfaction is our top priority. Prepaid Card Services ( XXXX ) XXXX -- - Original Message -- - FROM : XXXX SENT:XX/XX/XXXX XXXX XXXX TO : XXXX, XXXX CC : SUBJECT : Re : Fwd : Refund of Over Payment via Check [ Case ID # : XXXX ] Thank you for your response. Please contact Exeter Financial to discuss how, either your company or Exeter is going to refund the overpayment. I do NOT want another card issued to me, I simply want a refund of the overpayment. I also never agreed to have my information shared with your company by Exeter to have a " prepaid '' card issued in my name. Your company or Exeter Financial will need to figure out how you will mail me the refund to my address in XXXX. Thank you, XXXX XXXX On Wed, XX/XX/XXXX at XXXX XXXX, XXXX wrote : Dear XXXX XXXX, We have received your email regarding your Exeter Finance Refund. We can not send a check or card outside of the US. You will have to contact customer regarding where you want the card or check mailed. Please call our Customer Service Team at XXXX ( for lost, stolen cards, or not received ), for assistance to determine if a new plastic can be reissued. It takes approximately 7-10 business days to receive a new card. We appreciate your patience in this matter and apologize for any inconvenience this may cause. Please contact us with any additional questions or concerns as your satisfaction is our top priority. Prepaid Card Customer Service XXXX International number:XXXX -- - Original Message -- - FROM : XXXX SENT:XX/XX/XXXX XXXX XXXX TO : XXXX CC : SUBJECT : Fwd : Refund of Over Payment via Check Please mail me a refund of the over payment to Exeter Financial via check, for the entire overpayment of {$50.00}. I do not wish to use the prepaid XXXX you mailed me as I have moved to XXXX and the exchange rates and 3 % international fee are ridiculous. I attempted to call your company from XXXX but was unable to get through to a person to speak to about this request and was disconnected. I also tried to activate the card to ACH the funds to my XXXX XXXX but your website said it was unable to activate. My information is as follows : XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX, XXXX, VA XXXX New Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX Number on Card : XXXX Validity : XX/XX/XXXX Thank you. XXXX XXXX
12/13/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • FL
  • 33772
Web
On XX/XX/XXXX, I filed this same complaint in reference to Exeter Finance and them reporting incorrect information to the credit bureaus. Complaint # XXXX Exeter Finance did respond and say they would correct the credit bureaus. I did verify this and it was fixed. Today I was notified by one of my credit cards that they were reducing the credit limit on my credit card due to late pays reported. I requested copies of my credit report and Exeter Finance has once again put this incorrect reporting back onto my credit reports. This is so unfair to me and I am now being hurt financially over it. I need this to be fixed and not continue to be added back onto to my credit report again. This is a copy of the original complaint I filed on XX/XX/XXXX : Exeter Finance is reporting to all 3 credit bureaus that I was 30 days late twice. Once in XX/XX/XXXX and once in XX/XX/XXXX. Both are incorrect and Exeter had corrected the XX/XX/XXXX mistake but now they have put it back on my credit report. I will start with the XX/XX/XXXX incident first. On XX/XX/XXXX I went online to Exeter Finance 's website and requested a payment to be made for my XX/XX/XXXX payment. I was outside the 10 day grace period so I included the late charge. I received a confirmation showing the amount of the payment & the bank account being used. On XX/XX/XXXX I received a letter in the mail from another bank account I have stating that I had been charged {$35.00} for a returned ACH payment. I called the bank to see what was going on because I had n't used that account in several months. The bank told me that Exeter Finance requested an ACH payment & there was enough money in the bank. I then called Exeter to see why they used the wrong bank account. I told them I could fax them a copy of the confirmation I received, showing the amount of the payment and which account should have been used but whoever I spoke to told me not to worry about. They could see the payment request from XX/XX/XXXX so I gave them permission to run it through again that day, XX/XX/XXXX but to make sure they used the correct bank account. I hung up thinking everything was okay. A few days later the money was withdrawn from my bank account and sent to them. I soon discovered there was still a problem though. I use a credit monitoring company and at the beginning of XX/XX/XXXX, I received an alert letting me know that a 30 days late pay with Exeter was now listed on my credit report. I was shocked. I once again called Exeter to find out why they would do this. I was told I had n't made my XX/XX/XXXX payment and I was now 30 days late. I told them that was not correct. I spoke with someone over a week ago and the money had already come out of my account. They said they had no record of it. Not even the call I made. I can not even begin to tell you how mad I was. I had to get a copy of the paid ACH and fax it to them. I now had been charged {$35.00} for them using a wrong bank account, charged another {$20.00} to get a copy of the payment from the correct account and pay the XXXX Store a {$12.00} fee to fax everything to them. Finally on XX/XX/XXXX, my payment that I tried to originally make on XX/XX/XXXX and XX/XX/XXXX was posted to my account. Exeter Finance also called the credit bureaus and had the XX/XX/XXXX - 30 day late pay removed from my credit report. I still, to this day, do not know what happened. I 'm not sure if they applied my payment to someone else 's account by mistake or what happened. Skip forward to XX/XX/XXXX. I live in XXXX County Florida and at the end on XX/XX/XXXX, a mandatory evacuation order was issued for my home due to Hurricane Irma. I packed up what I could and left until the XX/XX/XXXX. I returned back home but had no power at all. My electric was not restored until XX/XX/XXXX and my cable, internet and phone was restored the next day, XX/XX/XXXX. When I was finally able to check email, I had messages from most of my creditors. All were extremely nice and understanding. They were generic emails sent to everyone who lived in areas that had been declared a natural disaster. All of them stated they were aware of the problems we faced as victims of the hurricane and they would not charge late fees or report late payments while we were trying to get our lives back in order. A few even said they would waive interest charges. By the end of XX/XX/XXXX, things settled down some. The debri had been cleaned up and the damages had been temporarily repaired so we were just waiting for FEMA and the insurance adjuster to come out. I finally got on the computer and began paying bills. By the XX/XX/XXXX every bill had been paid and things seemed To be a little smoother. I was still dealing with problems from the hurricane but things were getting better. The first week of XX/XX/XXXX, I was once again notified from my credit monitoring company that Exeter Finance had reported me being 30 days late. I called Exeter and spoke with a supervisor. I asked her why they would do this?? Not only had my payment already been made but They had said they would work with the hurricane victims. She just kept apologizing saying there was nothing she could do. That they had tried to call but were unable to reach me. I started crying ... ... saying that 's because I had no power. I had no electric, phone, internet. Nothing. I was and still am shocked at how heartless this company is. After hanging up with her, I decided to contact the credit bureaus myself and dispute the late pay. I just received the response back from the credit bureaus. Exeter Finance would not remove the late pay. All they would do is add in the remarks that I was affected by a natural disaster. Not only that but they also ADDED back in my credit report, the XX/XX/XXXX late pay that is also incorrect and they know it. This is SO unfair to me. I 've had a loan with Exeter Finance since XX/XX/XXXX. I have never been late other than through Hurricane Irma which I had no control over. I had no way to make a payment and they told all of us that they would work with us. Now I 'm sitting with 2 - 30 day late payments on my credit report. One that is their fault for misapplying the payment and the other because of a hurricane
04/12/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48311
Web
Dear Agent, As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for XXXX XXXX to provide you with a remedy, I conditionally accept your offer upon verifiable proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to XXXX XXXX/Notary for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ]. No assured value, No liability. Errors & Omissions Accepted. All Rights Retained. WITHOUT PREJUDICE W ITHOUT RECOURSE NON-ASSUMPSIT - Calls may be recorded AFFIDAVIT OF OWNERSHIP XXXX XXXX, do solemnly affirm, declare and state as follows : 1. XXXX XXXX is a woman, above age of XXXX, and capable to state the matters set forth herein. 2. All the facts herein are true, correct, complete, and admissible as evidence, if called upon as a witness, XXXX XXXX will testify to their veracity. XXXX. XXXX XXXX, holder of the duly authenticated Certificate of Title, and will present it as a counter deed. According to trust law, XXXX XXXX hold physical possession of said deed to said certificate. According to commercial law, XXXX XXXX hold a first in time, first in line document of said certificate, is the real party in interest, and holder in due course to the Title to said certificate. 4. XXXX XXXX is of lawful age and being first duly sworn on oath, depose and state that I am familiar with the facts recited, and the party named in said certificate is the same party as one of the owners named in said certificate of title. Plain Statement of Facts 1. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability that XXXX XXXX, has engaged in conduct causing harm, loss, or injury to the United States and/or the public, and XXXX XXXX believes that no such evidence exists. 2. XXXX XXXX denies Account # XXXX, et al, and believes that no such Account Number or amount exists. 3. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of Legal documents to prove that the Exeter Finance is legally authorized to collect, and XXXX XXXX believes that no such evidence exists. 4. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of Account # XXXX, et al, and the amount of the actual debt, and XXXX XXXX believes that no such evidence exists. 5. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of payments made on the accounts, Account # XXXX, et al, and XXXX XXXX believes that no such evidence exists. 6. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of accounting of the accounts, Account # XXXX, et al, including all interest and fees, and XXXX XXXX believes that no such evidence exists. 7. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of fees and interest amounts, and XXXX XXXX believes that no such evidence exists. 8. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of a signed contract showing the terms about the debt, and XXXX XXXX believes that no such evidence exists. 9. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of the owner of the debt/or assignee the debt, and XXXX XXXX believes that no such evidence exists. 10. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof, a copy of a true bill from the original creditor, and XXXX XXXX believes that no such evidence exists. 11. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of a complete payment history, starting with the original creditor, and XXXX XXXX believes that no such evidence exists. 12. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of a certified, authenticated copy of the original signed agreement or application, and XXXX XXXX believes that no such evidence exists.
10/18/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • NJ
  • 08043
Web
Dear Sir or Madam, 1. EXETER FIN Account Number:XXXX**** Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I immediately disputed this information with EXETER FIN and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
10/01/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • OH
  • 45231
Web
Dear Sir or Madam, 1. EXETER FIN Account Number:XXXX **** Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and XX/XX/XXXX as well as 60 days late on XX/XX/XXXX. I immediately disputed this information with EXETER FIN and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • NJ
  • 08043
Web
1. EXETER FIN Account XXXX : Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with EXETER FINANCE LLC and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
08/11/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • FL
  • 33063
Web
Dear Sir or Madam, *1. EXETER XXXX Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX. I immediately disputed this information with EXETER FIN and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act XXXX FCRA XXXX, the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. XXXX c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, Iowa XXXX
08/06/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 43230
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. 14 EXETER FINANCE LLC bal. {$9300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/23/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75229
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. EXETER FIN bal. {$15000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/06/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 43230
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. EXETER FIN bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
12/01/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75241
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. EXETER FIN bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/07/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75025
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. EXETER FIN bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
11/10/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33772
Web
Exeter Finance is reporting to all 3 credit bureaus that I was 30 days late twice. Once in XX/XX/XXXXand once inXX/XX/XXXX. Both are incorrect and Exeter had corrected the XX/XX/XXXX mistake but now they have put it back on my credit report. I will start with theXX/XX/XXXX incident first. OnXX/XX/XXXX I went online to Exeter Finance 's website and requested a payment to be made for my XX/XX/XXXXpayment. I was outside the 10 day grace period so I included the late charge. I received a confirmation showing the amount of the payment & the bank account being used. OnXX/XX/XXXX I received a letter in the mail from another bank account I have stating that I had been charged {$35.00} for a returned ACH payment. I called the bank to see what was going on because I had n't used that account in several months. The bank told me that Exeter Finance requested an ACH payment & there was enough money in the bank. I then called Exeter to see why they used the wrong bank account. I told them I could fax them a copy of the confirmation I received, showing the amount of the payment and which account should have been used but whoever I spoke to told me not to worry about. They could see the payment request fromXX/XX/XXXX so I gave them permission to run it through again that dayXX/XX/XXXX but to make sure they used the correct bank account. I hung up thinking everything was okay. A few days later the money was withdrawn from my bank account and sent to them. I soon discovered there was still a problem though. I use a credit monitoring company and at the beginning of XX/XX/XXXX, I received an alert letting me know that a 30 days late pay with Exeter was now listed on my credit report. I was shocked. I once again called Exeter to find out why they would do this. I was told I had n't made myXX/XX/XXXX payment and I was now 30 days late. I told them that was not correct. I spoke with someone over a week ago and the money had already come out of my account. They said they had no record of it. Not even the call I made. I can not even begin to tell you how mad I was. I had to get a copy of the paid ACH and fax it to them. I now had been charged {$35.00} for them using a wrong bank account, charged another {$20.00} to get a copy of the payment from the correct account and pay the XXXX XXXX a {$12.00} fee to fax everything to them. Finally on XX/XX/XXXX, my payment that I tried to originally make on XX/XX/XXXX and XX/XX/XXXXwas posted to my account. Exeter Finance also called the credit bureaus and had theXX/XX/XXXX 30 day late pay removed from my credit report. I still, to this day, do not know what happened. I 'm not sure if they applied my payment to someone else 's account by mistake or what happened. Skip forward to XX/XX/XXXX. I live in XXXX County Florida and at the end on XX/XX/XXXX a mandatory evacuation order was issued for my home due to Hurricane XXXX. I packed up what I could and left until the XX/XX/XXXX. I returned back home but had no power at all. My electric was not restored until XX/XX/XXXXand my cable, internet and phone was restored the next day, XX/XX/XXXX. When I was finally able to check email, I had messages from most of my creditors. All were extremely nice and understanding. They were generic emails sent to everyone who lived in areas that had been declared a natural disaster. All of them stated they were aware of the problems we faced as victims of the hurricane and they would not charge late fees or report late payments while we were trying to get our lives back in order. A few even said they would waive interest charges. By the end ofXX/XX/XXXX, things settled down some. The debri had been cleaned up and the damages had been temporarily repaired so we were just waiting for FEMA and the insurance adjuster to come out. I finally got on the computer and began paying bills. By theXX/XX/XXXX every bill had been paid and things seemed To be a little smoother. I was still dealing with problems from the hurricane but things were getting better. The first week of XX/XX/XXXX I was once again notified from my credit monitoring company that Exeter Finance had reported me being 30 days late. I called Exeter and spoke with a supervisor. I asked her why they would do this?? Not only had my payment already been made but They had said they would work with the hurricane victims. She just kept apologizing saying there was nothing she could do. That they had tried to call but were unable to reach me. I started crying ... ... saying that 's because I had no power. I had no electric, phone, internet. Nothing. I was and still am shocked at how heartless this company is. After hanging up with her, I decided to contact the credit bureaus myself and dispute the late pay. I just received the response back from the credit bureaus. Exeter Finance would not remove the late pay. All they would do is add in the remarks that I was affected by a natural disaster. Not only that but they also ADDED back in my credit report, the XX/XX/XXXX late pay that is also incorrect and they know it. This is SO unfair to me. I 've had a loan with Exeter Finance since XX/XX/XXXX. I have never been late other than through Hurricane XXXX which I had no control over. I had no way to make a payment and they told all of us that they would work with us. Now I 'm sitting with 2 - 30 day late payments on my credit report. One that is their fault for misapplying the payment and the other because of a hurricane.
09/19/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IN
  • 46410
Web
I have had an auto loan with Exeter Finance LLC since XX/XX/XXXX. I am current with my auto load with six more payments owed. I noticed around XXXX XXXX I was at the gym and someone was following me around. I thought nothing of it until I decided to get a massage. AFter the the massage, I found that person waiting for me and follow me out the gym. I quickly went to my vehicle and noticed that person was already in their car and appeared to be waiting for me to pull off. Based on their reaction, I took a picture of their license plate. As soon as I was home, I reached out to my auto finance company. THey advised me they only do collection activities if the account is so many days past due. My acount was not. I thought the problem had been remedied. In XXXX, I knew I was going to have XXXX XXXX and would be off work. I called my finance company in the hopes of getting my payment pushed to the end of my loan. I was advised because the payment was not due until mid XXXX ( XX/XX/XXXX ), I can't make sure an arrangement until the payment is almost 10 days past due. I thought that was strange, but I had to focus on my health at that point. After my XXXX and subsequent hospital stay, once home I was put on strict orders not to leave my residence until after I was cleared by the doctor. Almsot week home from my XXXX, I started to notice people driving around my vehicle in the middle of the day, with their engines idling. It was evident they didn't reside in my apartment community. After almost 2 hours ( based on what I gauged from my kithen window ), they would sit out there for almost an hour before driving off. Almost an hour later, another vehicle would do the same. This went on for a few days until about XX/XX/XXXX when I noticed threee vehicles, engiles idling in the middle of the day, in various partking spots that allowed them to surround my car. I didn't recognize them as any cars of residents in the community. At the same time, I recieved a call from Exter Finance. They advised I was late with my payment and I needed to make payment. I told them of my XXXX status and the need to move my payment to the end. As soon as this was done, the cars around my vehicle drove off. ( I find this curious ). And the gym, ... .I work from home for the most part due to the new normal. After being released to go back to work and all activities on XX/XX/XXXX, I decided to go to the gym. At the gym, I have a focus of my routine. EVery station, every routine I do, I have some watching me or sitting on the equipment observing me as I am doing my workout. I do my best to block them out with my wireless earbuds and my workout online class, but sometimes they almost try and collide and bump me to make me react as they pass by. I feel like I'm in high school dealing with the bully who wants attention and a reason to ahve a confrontation with me. Today, I was out with my friends. As I approached them to meet them for lunch, some strange scuffy man was sitting at the table close to them like he was part of the group but he wasnt. He smirked at me at kept staring intently at me like I should acknowledge him. THe more I focused on my friends, the more he focused on me. After he left, one of my friends even acknowledged he was quick to get behind them in line and sit so close to our table. HE definitely was not of our element. At this point, I have done a police report. I have taken pictures of the vehicles and ppl when I can. Based on another converastion I had with my auto company, I had a late payment from XXXX for {$42.00} that was owed,. I payed them. I was advised they could not apply it to my account as I still need to make my XXXX payment which is not due until XX/XX/XXXX. I acknowledge I made a payment arranagement with them for XX/XX/XXXX ; XXXX, I feel I am in impossible scenario. I have made a polic report. I have even contacted an attorney. The lawyer advised they onlhy deal with phone harrassment. I am unble to find anyone to help me with this type of harrassment. I understand the auto company has the right to collection practices ; however, I was advised thsi is not due until the care was about to be repossessed. My vehicle payments may be a few days late but they have been on time. IN addition. how can I be allowed to have a late payment from XXXX to carry over this long? Finally, I am at my wits ends about the collection practies. It's like Breach of Peace if being pushed to the limit with the goal to make me the agitator. This is not fair. Whoever the auto finance company has outsourced their work to, they have no scruples about when a collection activity should be carried out or the rights of the consumer. I would appreciate someone looking into this matter and the possible outsourced or in house debt collecdtion practies of this industry. I know I only have 6 months left on my loan, but this harrassment is not acceptable and I feel I am not the only one with this issue. I look forwaard to your response. Thanks you.
10/29/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • GA
  • 31833
Web
On XX/XX/XXXX I went to look at a XXXX XXXX XXXX used SUV on the lot at XXXX XXXX XXXX Georgia. When I got there I informed the 1st person that talked to me his name was XXXX that I had emailed with XXXX XXXX and XXXX XXXX and that I had my own financing of up to {$14000.00} he joking said {$15000.00}. He got XXXX out to talk to me and I informed him of the financing and he opened the vehicle for us to look at. XXXX comes out and I tell him about my financing and then XXXX comes back and says you do not want this vehicle it takes synthetic oil and premium gas. Ok I was getting ready to leave as I only came in to test drive the XXXX XXXX SUV. XXXX says come in and let me see if XXXX has better interest rates than XXXX. He said it would be maybe a half point on the credit score as he was doing soft inquiry. I also explained to him that I was still shopping and had an appointment to see a vehicle in XXXX XXXX at a dealer I also explained this to XXXX when I saw him, I was only doing preliminary shopping for a used SUV. I also told him if he had a used manual transmission on the lot he needed to get rid of to let me know. He gets my information and disappears for about 30 minutes. When he comes back I specifically asked him are you checking with BANKS on my behalf and he said NO and left again and went back into another office. Another 30 minutes passes and I was getting ready to leave as I did not think it took that long to find out what XXXX interest rates were. He then takes me over to XXXX XXXX desk and XXXX writes on a scrap piece of paper that he can get me a XXXX new XXXX XXXX manual transmission for {$480.00}. a month. I started laughing and was getting up to leave and he said what can I do to get you to buy this vehicle today. I laughed even more I thought this was all rather funny as I had told him now on several occasions that I had my own financing even showing both XXXX and XXXX the email from XXXX and that I was still shopping and had plans to see more used SUV 's in the next several days. He said we can get you the new XXXX XXXX manual transmission for {$11000.00}. and it will be {$480.00} a month. I said no thanks and left. My XXXX year old son was with me and will attest to these facts also. The next day XXXX calls up and says good new we can get you in the XXXX for {$390.00} a month I was like what ... I told him that I had already told him on several occasions I was not ready to buy nor was I shopping for a new vehicle. Then I get notification from my bank that several hard inquiries had been run on my credit. I contacted the 3 lending institutions that I saw and inquired if any were XXXX financing none were. I contacted the manager of the dealership to give him a chance to correct this wrong. He said he was not there that day and he would check for me. He called back and said that XXXX had not informed the assistant manager that was there that day that I had my own financing nor did he tell him that I was shopping for a used vehicle. That XXXX had informed him that I desperately needed a vehicle. I did not give any one permission to try to get me financing nor did anyone ever ascertain from me the terms I would want to obtain a loan or even how much down payment I had as this information was already in my loan application with my bank XXXX and I had been approved for a loan through them for up to {$14000.00}. on a used vehicle of my choice. The manager said he would not contest when I sent my letters to the credit bureau that they ran unauthorized loan applications without permission using my information. But I find this practice very unethical and they lied to me and I am sure running someone's credit information without permission is wrong and should be prosecuted. I have further received a letter from XXXX that says they declined to give me a loan. I called them and told them I did not apply for a loan with them. They were not interested in finding out that XXXX of XXXX Georgia ran this without my permission. It would seem that every bank that XXXX XXXX XXXX Georgia pulled into this scheme of illegal behavior would also be culpable. I am not sure of the number of times they applied for credit for me without my permission or knowing how much I had to put down or any terms that I would want to complete a loan. The manager said XXXX never checked XXXX financing and that would only take a phone call and he did not need my information to ascertain the interest rates from XXXX. This seems to have been deceptive from the beginning nor has anyone informed me the interest rate or any other relevant information that I would need to make a determination. This was deceit from the beginning and these actions have been detrimental to me. These actions have harmed me as now the interest rate of my approved loan will be adversely affected by the deceitful actions of XXXX of XXXX Georgia. I will be happy to provide any and all information that you will need along with the contact information for my witness.
04/10/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • OH
  • 43026
Web
In XXXX of XXXX I opened a loan for an automobile with Exeter Finance Corp . The loan was for XXXX XXXX XXXX and came with a 22.+ % interest rate. I made my first payment in XXXX of XXXX. In XXXX of XXXX I was switching jobs and moving over 300 miles across state. I called into Exeter so see if I could have an extension or deferment to offset my payment as I was going to be having my pay date changed by almost 3 weeks due to he new job. They told me that I wasn't eligible for a extension. I asked him if there was a way to change my actual due, to which he responded with we don't do that. I was pretty much left to my own to figure it out. Up till his point according to my credit report I hadn't had any missed payment or a delinquent account. As a consumer I tried to contact this financial institution to remedy a problem before it happens and I felt like I was mislead, lied to, taken advantage of and manipulated in this situation. I continued to make my payments as close to my original due date as possible. In XXXX I got engaged and started to do a deep dive into my credit. I found that Exeter had reported my last 19 - {$680.00} car payments as 30 or more days late demolishing my personal credit report by lowering it hundreds of points. On top of that I also found out that I had amassed a {$1000.00} in late fees with Exeter due to these late payments. To say that I was upset was an understatement. I couldn't refinace my car with a different lender due to the city credit took a and the late payment. So now I was locked in with Exeter. How could a financial institutions in good faith put a customer in such and awful position? I decided that i was going to call in and see why I could do to rectify this situation and thats when I really started to learn about what type of company I had jumped into bed with. The first customer service rep that i spoke with was absolutely awful. Through our call she did she did shed some light on things i was unaware of. She said that they do allow for a due date change so long as your account is current which completely contradicts what the rep i called in XXXX told me. she was of no help at all and quite rude so i requested a supervisor. The supervisor wasnt much more help or any nicer. Halfway threw our call it was disconnected I called back and was told that supervisor wasnt available anymore and that she would give me a call back. I never received a call back. So a few days later I called back, spoke with a rep and then a supervisor AGAIN. This supervisor said she would review the calls and my account and contact their credit department if she felt likely there was reasons too and that she would call me back. While i spoke with both reps I mentioned the I was going to contact the CFPB and both times they tried to encourage me to wait till they could se what they could do before I went that route, both times they never followed threw and left me hanging. I never received a call back from the second supervisor by the date she indicated it any of the several days that followed. 4 days after the latest I was supposed to receive a call back I called into Exeter for a third time to speak with a supervisor. I spoke with a lady who reiterated the same things that i had already heard which to me sounded like excuses and cover ups. She told me that my account was more than 30 days past due in XXXX which would have made me ineligible for a date change. She also told me that they report to the credit bureau on the XXXX of the month. I told her that they didnt report late payments to my credit until XXXX of XXXX which is almost 6 months after I called in to change my due date. She said that because I make my payment in the 23 that my account would be made current in that day each month which was 7 day before they reported. I found all of this to be totally aloof. She essentially said that if I knew there policies and procedures better that I could have called in after I made a payment and got a date change. I dont think that its fair that I as a customer should have to seek this information out when I am calling you to seek a remedy in the first place and this was never offered as information to me by that agent. They withheld information from me to cause me yo have this issue and owe them more money. It felt like they were making things is as they went and again I felt lied to and taken advantage of by this financial institution. My credit is destroyed and on top of paying {$680.00} a month for 5.5 years to still owe $ XXXX on this car and its only worth {$5500.00} is crazy that they would tack on {$1000.00} more in fees. Each rep had a different storys and a basket full of fallacies they can use to manipulate their customers.
01/04/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • MD
  • 21921
Web
I purchased a car from XXXX XXXX XXXX in XXXX DE, a XXXX XXXX XXXX. It was financed through Exeter Finance which was fine and on the up and up until I had to put some payments at the end of the loan. My Mom had gotten into a car accident so I had to take up some of the slack but I was keeping up with my payments. I 've had several car loans in the past and have never had this type of situation where the finance company added extra interest on interest and late fees. With Exeter even when I was past due I would still make a payment. I at one point was making up for the past due amounts by paying {$250.00} 2x a month. For as much as I was past due, my past due amounts being up and down I made 50 payments at {$390.00}. I purchased the car XX/XX/XXXX. When things were getting to where I was trying to tell the car I would ask the reps what I amount owed in XX/XX/XXXX because I was hoping to refinance the amount or sell the vehicle and get a new car loan. It was at this point I was told that for everyday I was past due I was being charged additional interest of about $ 10- {$12.00} a day which amounts to {$300.00} to {$360.00} a month in addition to my regular late fee and car payment. They claimed it was listed in my finance contract and it is not. I do see where it did state I had a 66 month payment plan but each time I called someone would tell me something different. At one point I thought it was a small amount of about {$4500.00} because that amount was close to the would be the amount completing the contract. I had paid them {$390.00} x 50 = {$19000.00}, and the total price due was {$26000.00}. That was an amount that a couple do dealerships I called about getting a new vehicle could work with, not the {$10000.00} and counting. That was the amount they said I owed since I was still past due and counting as long as I as late. I moved because the company that bought the place was raising the rent to get people out. During this time and the time they took my vehicle XX/XX/XXXX, I had paid {$19000.00}. Now the question is when they told me they had taken the vehicle and when I could get my things and them sending it off to auction house is in question. I spoke to a XXXX, I asked when could I come get my things, I said I was able to get them around the end of the week. I went to get my things and the low and behold the car is gone and my possessions were thrown into two garbage bags and they did n't put everything from my car in the bags because I have several things missing, a XXXX CD, matching Pink vases, clothing and my Winter boots, I have two pairs of boots missing. I asked the guy at the place where I was told my car was which can only be described as a junkyard for a receipt that I got my things he said they do n't do that. I called Exeter to ask why was the car gone, the guy said he told me they had taken it to the Auction place when I asked about my items, he did n't. So then I have to wonder about the letter they sent on XX/XX/XXXX stating to get my car back I would have to pay {$3200.00} ( {$1900.00} past due payments, Unpaid late fees {$410.00}, {$850.00} Repossession Expenses = {$3200.00} ). My question is this, if you are telling me this is all I needed to get my car back why would you had taken it to the Auction Yard pretty much the minute they took it before the end of the week. The letter is dated XX/XX/XXXX but the car was already at the Auction Yard XX/XX/XXXX which means they were never going to allow me to get my car back. The Auction date was XX/XX/XXXX, if they were being fair they would not have taken the car to the Auction Yard as soon as they took the car. They sold the car for {$3500.00} but if I were to have paid that amount of {$3200.00} I would still have to pay an additional {$7000.00}. which totaled {$10000.00}. But paying that past due amount would only get me car back and additional late fees. What do I want, I want all of my money back, when you read the letters they sent me along with the contract I signed when I first purchased you can see they used predatory actions. With the additional late fees, why would you take the vehicle to the Auction Yard which is in XXXX if you were to going to allow me to pay my past due amounts. This meant I would have to pay storeage fees and everything else that went along with it just to put more fees onto the amount I would owed. I feel this was a predatory loan and they had no plans to sell me the car.
12/19/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32217
Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. XXXX XXXX XXXX XXXX XXXX XXXX EXETER FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX
08/26/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Problem with a trade-in
  • OK
  • 74834
Web
Currently have a Loan with Exeter Finance in Texas since XXXX. We experience a short fall last year with my boyfriend and medical reasons/job. This year in XXXX, I paid on XX/XX/XXXX -- - {$2200.00}. On XX/XX/XXXX I finished paying with {$2200.00}. Was told the next payment was due in XXXX. Keep in mind, I was told I was caught up. Granted for the record, I have to this day not received a notice from Exeter, for eg. my scheduled payment due since XXXX. What my balance was, or payments posted. NOTHING. I have also reported this to them several times, and the last was 2 weeks, ago, and NOTHING. XXXX payed XXXX reg payment. In XXXX I called to make a payment, was told due to the covid they are helping customers out, and would I like to skip XXXX and make a payment in XXXX. I said sure. They told me they would put me on a recorded line, I agreed to the skipping a payment. Was told next was due in XXXX. Said ok. Then shortly after received something in the mail telling me my payment was due in XXXX. Tried to call several times, never got thru. Said the XXXX with it, I had a witness to my conversation, and thought maybe a typo. So I call in XXXX to make my reg payment. Spoke with XXXX. Was told I only owed XXXX as I was over charged back in XXXX of this year. I asked 3 different times, and put on hold, they assured me ok. So I made the payment. I decided I wanted to trade it in, thought I was caught up. XX/XX/XXXX at XXXX XXXX in XXXX OK. Tried to trade it in, was told by XXXX after hours of waiting, and ridiculous phone calls to Exeter that he had made, that we couldn't trade it in. He told us the bank said they were not reporting the payments. He asked us where all our money was for this truck. We told them this co. was bogus and that is why we are trying to get out of this finance co. I then was on the phone with " XXXX '' at Exeter, after several phone calls, and being put on hold, and transferred. By this time, I was ready to just give up. Can not deal with these people anymore. So, XXXX went over everything with me, also, told her we had not received any statements from them since like XXXX or XXXX, and then one just recently saying I owed over XXXX in payments? She said there was something that I still owed back in XXXX, and it got carried over. Granted I was never notified until XXXX when I CALLED THEM!!!! Still don't understand what the XXXX she was talking about, as they told me I was caught up. Meanwhile, the phone call in XXXX when they said I only owed XXXX. Well, that was a lie, and they were wrong. So I have been charged interest since then, nor was I ever notified, as I am NOT GETTING STATEMENTS from this co. NOR any emails!!!!!!! So it was reported to my credit. And according to Dealership whom I KNOW, was told that EXETER was not reporting any payments, and so it looks like I have not payed on anything. Needless to say, we lost contact when I was on the phone with Exeter, XXXX and I. She didn't return my phone call. I have tried to call 3 different times today, XXXX to the co. Spoke with different people, put on hold, and transferred. One pretended she couldn't hear me. I requested a pay off, still wont give me one. Couldn't transfer me to " XXXX. '' They are showing to different numbers that I owe as of today {$1400.00} and XXXX. DO NOT UNDERSTAND THAT I have looked these people up, and this is just not happening to me but others too. I feel they are not reporting my payments on my vehicle, Also, reported me to credit co, when it was not my fault. Charged me for interest that is not my fault back in XXXX. I Need some help. Something is not right with this co. XXXX said she would send me a statement and copy of the finance agreement. It's been over 2 weeks and nothing. I have received calls from them when I am at work, and can not get to them as I am a XXXX seeing XXXX. My voice mail just gives me someone typing, no message. Something is seriously wrong, and I needs some help. AND, with all the screw up, she credited me {$150.00}. I asked her what was going to happen to the one who lied to me, she couldn't disclose that. Also, I was told as well, that if they didn't get to save my payment info, that I may not be able to make a payment next time. I did tell them, that they will not save my XXXX, and if they do, then I guess you wont get paid. I know my rights!!!!!! I told XXXX that too.
11/25/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • GA
  • 30141
Web Servicemember
I bought this XXXX XXXX from XXXX in XXXX of 2017 I have reported XXXX to several different consumer protection agencies do to the fact they have committed fraud and deception inspire I got in touch with Exeter explained that this vehicle has cosmetic and mechanical problems and issues this finance company is in with XXXX I explain to Exeter nothing they dont care I got sold a vehicle that has a thirty warranty from XXXX XXXX to fix it and correct whats on documentation nothing was done and I reported to Exeter they didnt care because XXXX sold me a car that has over 10,000 dollars worth of issues and problems which I got told by several people that worked for XXXX that these cars are reconditioned vehicles and I need to hire an attorney and take this to court this is covering up problems and this has to do with XXXX and Exeter do to the fact Exeter still uses XXXX to reposses vehicles and I am not going to pay all that money to fix this car when this is dealer fraud and the finance company when I ask them like theyre covering up issues because they work with XXXX, XXXX and Exeter needs to be investigated this is also false advertising they had a 5 day money back guarantee they actually told me that I will not get my money back and will not honor the thirty day warranty I will not make no payments on this vehicle period I turned this is over to XXXX XXXX I will file FTC complaint, bbb, this is fraud and deception negligence, either they send me the title or cancel this contract to the full extent I will sue XXXX I have a lawyer lookin into this but I want the attorney general to investigate Im not the only one being done like this I will consider the title because this vehicle was sold unsafe they had let drive home I almost got into a wreck brakes are bad and rotors the breaking system, there is also stop leak in the my coolant reservoir that looks like they are tying to cover up a problem this car has over heated and shut off and it has transmission problems XXXX held my vehicle for over 4 days no work performed at all but yet XXXX says to bbb that I took my vehicle and that I didnt let them keep it to do the work but yet I have a witness that states they over heard how XXXX and the recording contends that XXXX took away the 5 day money back guarantee and its 30 day warranty because I contacted the corporate office thats fraud and deception in it self, Exeter did not want to help at all this car has more problems then I should pay for and selling a vehicle with these type issues is also a breach of contract for covering up its problems and issues I also found on a report that XXXX XXXX rolled back the speed odometer to sell it at a lower mileage I do have that report on my email I also have copies of the thirty day warranty that XXXX should had honored and the 5 day money back guarantee that did not I no way get honored, I will put this on tv with the news, And paperwork on cosmetic damage thats written out that was never done XXXX and Exeter finance commuted fraud Im not going to give in on this this finance company and XXXX needs to be investigated to the full extent of the law Ive had this vehicle looked over I want the title to this vehicle and my credit report updated or I will sue over no honoring of warranty and rolling back the odometer thats a federal offense and dealer fraud and deception, negligence on both XXXX and Exeter I have proof of everything I been through I feel like I got scammed by both XXXX XXXX and Exeter I will not negotiate my paperwork and and everything I have is justified what was not done and solid proof that this vehicle also had more than one owner I was lie to about that this was all a cover up, brakes, rotors, transmission, clutch and throw out barron, motor back fires, stop leak in my coolant reservoir ( covering up a problem with the motor ) had it look at by XXXX and was told more problems then what the car was worth XXXX sold this car that has more problems then what the contract reads, car shut off, over heating, cosmetic damage, paint scratches and repairs never done inside and out and rims were supposed to be replaced black spots all over my rims total cost is right at as a estimate 10,000 dollars thats almost the total cost of the car please resolve ( title )
10/07/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • FL
  • 33404
Web
On the afternoon of XX/XX/XXXX, I contacted Exeter Finance twice in regards to my loan contract with my vehicle ( XXXX XXXX XXXX ). I spoke with two separate individuals ( XXXX calls ) at XXXX separate times on recorded lines. During the first with the first representative, she stated some information I'd never been told by an Exeter Finance representative since I've been in contact with them regarding the maturity of my account, my hardships and payment options for the past few months. Among other things, she stated that unless I paid the full remaining balance left on my loan by XX/XX/XXXX, I would be penalized by the debt being posted on my credit and staying there for 10 years. I asked her why is this the first time I'm hearing of this ; when I've been in contact with Exeter Finance for the past few months regarding my account and maturity date. She did not give me a straight answer. The phone call ended with me being very upset and confused because I feel like I was toyed with and given misleading information. Due to a banking issue with my card and payment, I contacted Exeter Finance again and spoke with a representative by the name of XXXX XXXX ( employee id : XXXX ). After handling my initial request, I explained to XXXX what the other representative said during the previous phone call, regarding my maturity, remaining balance and credit report. After telling her, XXXX apologized multiple times for the incorrect and misleading information given to me. She was genuinely confused as to why another representative would give incorrect information and that Exeter Finance does not scare their customers into making payments. She also stated multiple times that they ( representatives ) " aren't trained '' to provide customers with that type information. She stated representatives aren't trained to coerce customers into making payments by stating incorrect and misleading information. She mentioned there's another department that handles the in-depth process on maturity accounts. So, the previous representative was incorrect and misleading in what she said. She also stated my account reaching it's maturity status is still pretty new and that she's seen multiple cases where maturity dates have long passed and status ' ran long after mine. And those customers did not receive or were not threatened with a credit debt would last 10 years on their credit reports. During the phone call I explained to XXXX what I discussed with other representatives in the past couple months regarding my remaining balance. Which was : Due to me not having $ XXXX to give Exeter Finance out right ( due to hardships during this pandemic ), I could still make payments until the balance is paid off. By law, Exeter Finance will continue to report to the credit bureau. And being that my maturity date has passed and the full balance is due, the reports will state my payments are late until the remaining balance is paid in full. That was the agreement made. There was nothing else stated to me in the past beyond the above. After telling XXXX this, I asked her what were my options now, since I'm being told different information by different representatives. She stated what's on my file is as is. Meaning I can still keep making the payments until the remaining balance is paid. Exeter Finance will still have to report payments to the credit bureau as late being that the maturity date has passed. XXXX apologized again for the incorrect and misleading information and assured me that I could still continue the agreement previously set in stone. Although XXXX helped subside some of the anxiety of this situation, I am still very upset and uneasy that this company will allow this type of behavior! The first representative used the information she said she had to try to coerce me into making full payment even after explaining my situation to her. This type of behavior is unethical and against the law! All calls are monitored and recorded every time I call Exeter Finance. This isn't the first time I've called Exeter Finance and received incorrect or misleading information by one of the phone representatives. It's not fair to me or other customers who trust these individuals to be ethical and integral in how they handles accounts and agreements.
11/15/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 21703
Web
I am writing to denounce the malpractices I was recently subjected to by Exeter Finance. On XXXX XXXX XXXX, I called Exeter Finance and spoke to one of their agents to request an extension for the month of XXXX and XXXX. During the call the employee advised me that I still owed {$200.00} for the month of XXXX and asked if I could pay the remainder of XXXX and then she can process the request for the extension, which I did. So I paid the {$200.00} for XXXX and the employee processed the extension for the month of XXXX and XXXX XXXX at least that was what she advised me XXXX and she even stated that my next payment due is XXXX XXXX. On XXXX XXXX my credit was flagged 30 days past due for {$200.00}. So I called Exeter Finance and spoke to another agent who advised the extension placed actually covered XXXX and XXXX. I advised the agent I didnt need an extension for XXXX because XXXX was already paid. The extension I needed was for XXXX and XXXX. She passed me to her Manager XXXX who tried to tell me that according to their policies since there was a balance for XXXX the extension was automatically applied for XXXX and XXXX. I advised her the same I did to the employee, that as she can see in the record there was a {$200.00} paid the day I called to request the extension, specifically to cover XXXX. So XXXX would have been a {$0.00} balance and then extension should have been for XXXX and XXXX, and if I knew the extension was not for the month I requested I would have declined the extension or made other arrangements. But from what her employee noted on the account and stated to me the extension was for XXXX and XXXX. XXXX then advised she will go back and listen to the call and I have to follow up with her in XXXX. I called back on Friday, XXXX XXXX and spoke to XXXX, not only she had not listened to the call but she tried again to put the blame on me stating that the extension was for XXXX and XXXX. I went back and forth with her and once again she advised she will go back and listen to call and call me back. She called back a few hours later and advised she had started to listen to the call but refer my acct to their account maintenance department for them to look at the account and see what happen. I advised her I was in the process of buying a house and I was 2 weeks away from the closing date and I need this matter resolve asap. I even asked if the extension was applied for XXXX and XXXX then the payment I had made to cover XXXX should have been applied to the month of XXXX and therefore for I still dont see why they reported 30 days late payment to the credit bureau. On XXXX XXXX Exeter Finance has taken again to step to Flagg my acct to the credit bureau for 30 days late payment. I called back on Monday XXXX, I spoke to Supervisor XXXX, who now is telling me that the {$200.00} payment was applied to fees that were on the account instead of the payment. Since I did not have any balance due to the extension that was approved the {$200.00} payment that I made went towards the fees. I explained it to him that was not what their employee explained to me. Have I known that the {$200.00} went towards other fees I would have made other payment? I was unaware of any past due balance on my account until my credit monitoring service sent me an alert. I asked XXXX to correct their mistake and apply the {$200.00} towards the payment of the loan as it should have been in the first place. Based on the discussion I had with their employee on XXXX XXXX and the confirmation statement she read to me, nothing stated that the {$200.00} payment I made went towards fee. She advised me the {$200.00} was going towards the payment for XXXX and she placed an extension request on the account and the next due date was XXXX XXXX. This company refused to admit their error and on top of it is penalizing me for something I didnt do, I lost more than 40 points on my credit because of the incorrect late payment they reported, and I lost the purchase of my home because of them wrongfully reporting negative information to the credit bureau. I need Exeter Finance to own their mistake and correct their action, and also to remove the incorrect report made to the credit bureau.
01/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NJ
  • 08618
Web
On XX/XX/XXXX I sent in a validation letter to company Exeter in regards to an alleged debt reporting on my consumer report. Exeter responded on XX/XX/XXXX stating that according to their records, on XX/XX/XXXX this account was sold to XXXX XXXX XXXX and that to contact them for further details. I would like to understand why Exeter is reporting on my consumer report, under what law Exeter gained the right to report to my consumer report? Date : XX/XX/XXXX RE : Account # : XXXX I am writing due to the negative marks youve made on my credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but its not mine and theres no way that you can validate it. I'm sure you are aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ). If not, please refer to 15 U.S. Code 1692g - Validation of debts. So let it be known that I am requesting full validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt and that there is some contractual obligation which is binding on me to pay it. I request that you stop contacting me by telephone and restrict your contact with me to writing only, and only when you can provide adequate validation of this alleged debt. Per 15 U.S. Code 1692g - Validation of debts ; Which constitutes legal validation, here is a list of the required documentation : Complete payment history, the requirement of which has been established by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor. Date Of Last Activity My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from. Agreement that bears my signature as the alleged debtor wherein I agreed to pay the original creditor The obligation between you and I that allows you to collect on this alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe. Photo Identification ( i.e., driver 's license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt. Letter of Sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. Proof that this debt has not been written off as a tax liability. Any other intimate knowledge of the creation of the debt by you, the collection agency. I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXX v. XXXX XXXX, XXXX. XXXX XXXX ( XXXX XXXX XXXX ), the court ruled that reporting a collection account is, indeed, considered collection activity. You should also note that this is NOT a request for Partial Validation but rather, its a request for EVERYTHING listed here in order to constitute full and sufficient validation of this debt. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA and other statutes. I look forward to an uneventful resolution of this matter. Thank you for your time and attention to this matter. CONSUMER, XXXX
11/30/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • TN
  • 37377
Web Servicemember
This is not a duplicate complaint but a complaint addressing the latest attempt at the shell game by this deceitful and incompetent company. They lie and below is proof. On XX/XX/XXXX they respond to my complaint and say " Any partial payment received between now and XX/XX/XXXX will continue to be applied as a principal reduction. As such, any partial payments received after XX/XX/XXXX will be applied as principal and interest payments until the XX/XX/XXXX payment has been completed. Once the XX/XX/XXXX payment has been completed, any additional monies received will be applied towards the principal reduction. If the account continues to be paid ahead by three payments, the principal reduction will continue. '' I made a {$10.00} payment to see if they would follow through and they DID NOT! I complained again and they tell me this on XX/XX/XXXX : Exeter would like to thank you for the opportunity to address your concerns regarding the payment allocation regarding your account. Exeter has thoroughly investigated your complaint, responded to the CFPB and made the determination set forth below. On XX/XX/XXXX, Exeter responded to your complaint filed through the Consumer Financial Protection Bureau ( CFPB ) regarding the same/similar matters presented in this complaint. On XX/XX/XXXX, Exeters records reflect that you inquired about making principal reduction payments. In response, Exeter advised that in order to have the full amount of the payment applied as a principal reduction, the account must be paid ahead three months. Your due date has been advanced to XX/XX/XXXX. As of XX/XX/XXXX, you are 88 days current. This is a simple interest contract, which means that you will continue to accrue interest each day there is a balance owed. Each payment that you make will be applied as follows ; first to the accrued interest, second to payments due, then to any outstanding fees on the account. Any additional monies will be applied to the principal balance. As of XX/XX/XXXX, your interest owed is {$310.00} and your interest accrued per day is {$13.00}. A payment ( regardless of amount ) received by Exeter will be applied to the account and will follow the standard payment allocation method as follows : 1. Unpaid accrued interest 2. Principal 3. Miscellaneous Fees if present ( i.e., repossession fees, NSF fee for a returned payment, etc. ) 4. Late Fees ( if present ) 5. Any additional funds will be applied to principal The due date will advance up to 3 months into the future and will then cease to advance until the account does not show to be 3 months ahead. The above payment allocation will be used regardless of the due date. Any payment amounts sufficient to cover the unpaid accrued interest and principal amount for the next-due payment will advance the due date. Interest accrues daily at the contract rate on the outstanding principal balance and is paid with each payment as described above. Exeter tried to make phone contact with you on several occasions, but you refused to answer or return our calls. Regardless, Exeter acknowledges that we failed to provide the best-in-class customer service and we sincerely apologize for the inconvenience this may have caused. Exeters success is based on customer satisfaction with our products and services, so the issues presented in this complaint are taken seriously and every effort is made to provide a prompt and equitable response. If you have any questions about these or any other concerns, Exeter encourages you to contact the Office of the President at XXXX. Sincerely, Office of the President Exeter Finance These people are CROOKS! They put it IN WRITING that I can be 3-months ahead and have all payment made while being 3-months ahead being fully applied to the principal balance. Can this company not be held accountable for the documented lies that they tell?
10/26/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • WA
  • 98411
Web Servicemember
To whom it may concern, Exeter Finance Corp is using false and misleading information which is a tactic to keep my credit score low. I have been reviewing my credit reports and see that you are reporting the above referenced account number as having a balance and a past due amount. I actually do n't agree with you regarding the amount and that is why I am writing to you. I am disputing this as being inaccurately reported, which is my legal right to do. I also am bringing to your attention that in order to furnish information on my credit reports, you have to have my written consent, pursuant to FCRA 603 ( o ) ( 5 ) ( A ) ( iii ). I do n't recall ever giving you written consent to collect information or make any communication about this account. In case I am mistaken, I hereby completely revoke and rescind any consent or authorization to collect information or make any communication about me regarding this account on my credit reports. Next, I have been doing some reading and I have found that you are required under the law to charge off accounts that have no payments at 180 days or 60 days if included in a bankruptcy. You are also required under XXXX XXXX XXXX XXXX to cancel that alleged debt by including it in your tax reporting as a deduction. This requires it to be categorized as worthless and not recoverable, and charging off and deducting the wholly worthless amount or only the non-recoverable portion. Now, if you complied with the law, this account has been included in your tax deductions already and I am pretty sure that you also received monies from at least 1 filed insurance claim against it to protect your assets. I contend that the only balance and past due amounts that should be reported at this point is {$0.00} for XXXX as this has been discharged and anything other than {$0.00} is inaccurate and not in accordance with the law. Because it is inaccurate alone, notwithstanding you do n't have my written consent to make any communication regarding it, the FCRA requires that it be corrected or deleted. Under XXXX XXXX ( d ) ( XXXX ) you are required to cease all reporting of disputed accounts until it has been resolved. Please note that the definition of Resolved does not mean a one-sided determination. Resolved means there is agreement of XXXX sides. * Resolved, a form of the word Resolution : XXXX XXXX XXXX : " a settlement of a problem, controversy, etc. '' Synonyms from XXXX XXXX XXXX : " agree, conclude, fix, settle, undertake. '' Please provide the following items to me to resolve the dispute regarding accuracy of whether or not there is a balance and past due on this account and that you even have/had the right to make a communication on my credit reports. To prove the claim you have launched against me, I need you to provide the requested documentation and I need you to admit or deny the following information on a sworn affidavit. Anything you deny will need supporting documentation. Anything not answered will be deemed admitted, as XXXX Agreement. By the way, this sworn affidavit must be completed and attested to under penalty of perjury, by someone with first-hand knowledge of the account, from origination to the present day. Everything is contract law. A valid contract means that it is bilateral. Neither unilateral nor adhesion contracts are valid contracts. A bilateral contract is proof that you made an offer with full disclosure and I accepted and it will have both your authorized representative 's signature and mine on the contract. Should you not provide the following items requested of you to present to me, your claim will be rejected and you will be in default and dishonor. Of course you can avoid this exercise by deleting the information from credit reports and notifying me in writing within 14 days that you have done so.
03/21/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AZ
  • 85044
Web
On XX/XX/XXXX, I contacted XXXX XXXX to pay off the entire balance that had been forwarded to them from Exeter Finance for my XXXX XXXX XXXX. The amount I was advised to pay was {$1800.00} and I asked them if this was a pay in full amount or a settlement amount. They confirmed that this was a pay in full amount. I then ran my credit in XXXX and contacted Exeter Finance as I saw that the amount reporting was over {$2000.00}. I was forwarded to XXXX in the Deficiency Balance Department and requested information as to why I had only paid a partial balance of what was reporting on my credit report. She stated that while it showed I had a deficiency balance of over {$900.00}, it was okay, that even if I paid her while on the phone, my credit report would still show when it ran end of XXXX that the balance was XXXX. She refused to take any monies from me as said that XXXX XXXX was the only company that could handle payment processing. I contacted XXXX XXXX again that month to advise that I needed to make sure that the correct amount was what they had processed and I didn't need to pay them more. Based on the information from XXXX as well as Exeter, I did not make an additional payment. In XXXX of XXXX, I saw my credit report ran and it still showed that I had a balance of over {$900.00}. I contacted Exeter Finance in XXXX and was advised that my account showed charged off on their end and that I had paid on a Settlement. I asked them to go back and listen to my XXXX calls to confirm that I had been told that this was not a Settlement amount and that I needed to make sure it showed on my credit report that I had paid the balance in full. These funds had been obtained from an inheritance from my dad passing in XX/XX/XXXX. My intentions were to pay off all my debt with other companies so that in XXXX, I could buy a house. I was told that they would go back and listen to the calls and get back with me. I never heard back so contacted the end of XX/XX/XXXX and they told me that if I had any problems, I would need to reach out to XXXX XXXX. I contacted XXXX XXXX and was advised that they were not a collection agency and that they had only processed the amount that Exeter had given them. I spoke with a supervisor named XXXX XXXX and he stated that their job is to take money and if they could process the remainder of {$900.00} that they would but this was up to Exeter. My credit report than ran end of XXXX and showed that it was now a XXXX dollar balance but comments showed that I had paid less than full. In XX/XX/XXXX, I contacted Exeter and requested that they dispute this with their credit team. I reviewed the details that I have stated so far. I never heard from them so disputed with XXXX who then forwarded a direct dispute to Exeter. In XXXX of XXXX, I got a letter stating that my dispute was denied and that the comments were correct. In XXXX of XXXX, I saw that my credit report still had the same comments. I contacted them and advised that initially in the Summer of XXXX, I had asked what amount I could pay to pay off the account. They took off the fees and interest to reduce the amount to what I ended up paying XXXX . However, I was never told that this was a Settlement. I advised Exeter of this who then again told me that it was something I would need to speak with XXXX XXXX. On XX/XX/XXXX, I contacted XXXX XXXX and advised XXXX that I would need a pay in full letter confirming that I paid them the balance in full so when applying for a mortgage, it would show that I did make the payment in full and did not pay for less than full balance. he said that the only thing he could send was that the matter has been resolved. I have now sought legal advice and was told to make a formal complaint thru here. Thank You, XXXX XXXX
10/21/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • WA
  • 98411
Web Servicemember
Exeter Finance Corp XXXX XXXX XXXX XXXX, TX XXXX XXXX : Account No. XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTIONS 616 & 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act 1 ) Violation of the Fair Credit Reporting Act 2 ) Violation of the Fair Debt Collection Practices Act 3 ) Defamation of credit 4 ) Negligence 5 ) Loss of opportunity 6 ) Intentional Infliction of Emotional Distress Exeter Finance Corp, Case 1 Your firm has failed to send the legally required validation of this debt per Section 623. I have received the documents you sent dated XX/XX/2016 and your response was : " During our investigation, we determined that the information we reported to the credit reporting agency was accurate, and is reflecting accurately on your credit report based on our records '' When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed account. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life. I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and XXXX ). The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Case XXXX In the state of Washington, there are proper procedures and notices that must be done before during and after a repossession. Let me remain you of : XXXX v. Exeter Finance Corp. I sent you certified mail, a letter dated XX/XX/2016 in regards to Washington State Repossessions Laws : Summary of the letter sent " Acct # XXXX Make- XXXX XXXX XXXX To Whom It May Concern ; I am writing in regard to the above referenced accounts and transactions. This is not a refusal to pay, but a notice that this account is disputed. This vehicle was repossessed by Exeter Finance Corps in the State of Washington on or around XX/XX/2016. Under the laws of the State of Washington UCC 9.506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting.
05/26/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • VA
  • 23463
Web
I had a sub prime auto loan with Exeter. Due to three financial hardship of COVID paying the loan monthly was not feasible while on unemployment. I applied and received 2 deferments. I asked for help before falling behind to no avail. In XX/XX/XXXX I was caught up but unemployment ended so I asked for a extension or deferment. I want told I received it until XXXX. The month of XXXX an XXXX after after to the end of the loan but Exeter reported that I didn't pay added late fees and posted deragorty comments at all three credit bureaus. In the meantime even when I paid I was still reported as 30 to 60 days late and all the money went to interest so the loan balance increased. Sometimes when I paid they reported I did not pay. I totalled my car in XX/XX/XXXX and that's when it got bad. They changed my payment history making it look like I hadn't paid since XXXX when I have receipts for payment in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. But credit reports were changed to be 150 days late. I had insurance and gap insurance. Exeter told XXXX an inaccurate pay off amount claimed the late payments were separate, but the late payments were from months I had paid. I received several actually more than several late fee waivers during XXXX and when they reported I paid it was always for my payment amount with no late fee because the late fee was waived. After I totalled the car Exeter harassed and threatened me they reverted all the late payments they had waived during covid. When I called they were nothing but insulting demanding and nasty. They are a money grubbing and unscrupulous company. I disputed with the credit bureaus and things got worse. Exeter claimed it took 30 days for things to appear on my credit but after I disputed they reported a second identical account to XXXX so I now had 2 auto loans in default with negative deragorty comments. They didn't report all of the insurance payment and said it was a charge off left a balance for the remainder of the insurance payment and late fees and closed the account while still calling daily harassing me. Every time I did something at the credit bureau to fix my credit they can't back at me the next day 2 fold increasing the negative imprint they were leaving on my credit. They actually changed the credit reports removing payments and claimed major deliquency and high credit limit. They did anything and everything they could and still called. They never told me my account was closed it's actually still open online with a future payment date for the balance due. Do not ever use EXETER FINANCE. It will be nothing more than an excruciatingly painful relationship. The cares act even helped people with financial strain providing relief from credit bureau reporting if they received an extension deferment but Exeter still reported me. At this point in time XXXX had removed both instances of the loan deleted it from my dad l credit file and put a freeze on Exeter from updating my file. That took a month wish me luck with the other 2 bureaus I keep trying and trying but what they have done is so outrageous it's hard to believe so I keep searching for proof which I find. I simply need to get this nightmare corrected so I can get another car. I never thought this would happen I was confident everything works be fine. I was fully insured with gap insurance and the car is when it was worth more now than when I bought it by over {$500.00}. Exeter never even showed concern because I was hurt in the accident they just wanted money monthly from me for the rest of my life I suppose because it's been a battle to end this relationship with them. Like a psychi ex girlfriend they just went leave me alone. Please start away from them
12/10/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • NY
  • 11372
Web
XXXX XXXX XXXX XXXX color and not leather interior. Recently last XXXX the XXXX I went to a XXXX more dealer asking for a vehicle and I did select a wonderful and very good vehicle. However, I did n't appreciate it with the necessary numbers about the risky negotiation that I was doing and in fact I did signed. The expectation was to bring this vehicle into a productive base with an specialized firm in a people transportation. That company suggested to me to visit this dealer and they will benefit me with a financial help and because many other doors were closed here and there, I got extremely happy and this is the numeric critical situation. {$45.00} in a credit to be paid in full during the next 4 years. {$1300.00} monthly payment to the car. I started to produce with the company which offered incomes with the vehicle. XXXX big mistakes I did promote buying this vehicle : A. ) To expensive for the purpose in where the vehicle qualifies. Or, a wrong vehicle to be qualified for a better incomes. B. ) The company for which the car is being doing a passenger pick up in a clear average paid for this vehicle the same amount that pays for a conventional not older than XXXX sedan, does n't matter the brand or the color. Asking for your collaboration : A credit is signed and running with Exeter financial account number : XXXX Incomes produced by this vehicle : {$1.00} start and {$.00} by the mile plus {$.00} per the minute. Making a new deal which I had to did before to get a vehicle now I 'm in the process to reach and hold a TLC driver license and license plates and insurance that will takes more than 60 days to be effective if lucky. But also, the vehicle will stays outside of the appropriate ran. ge to produce the expected incomes average, because the color and interior materials do n't matches with the regulations for the convenience of the new license and plates. What I 'm asking to your office? -To speak with the money provider ( Exeter XXXX to extend the credit to more than the 4 years now signed. Hopefully 7 years, In order to lower the monthly amount. Or and preferable, To transform the buying contract that I signed for a lease contract which will benefit me lowering the monthly cost and making possible to paid the vehicle without the actual risk to lost it. To ask to the dealer to replace the vehicle for some similar value and usage, even in a different brand from the same cars factory which can be a XXXX or XXXX with the appropriate characteristics of color and interior finish to complete with regulations for the for hire passengers industry in XXXX however must be same price to cover the Bank or Exeter financial institution with the real value of the title possession. I can not imagine how could be the future if I do not take any action right away. The worst scenario will be to lost the vehicle for the Bank Exeter reposition and to keep paying the difference remaining from a deal they will make with the now used or second hand vehicle with XXXX miles now it have. It will to stay paying about {$15.00} for the next 4 years without vehicle and incomes from the benefit of it. So, your help is extremely important for the mistake I did due to my own ignorance about small rules which are the main, means basically they wrong selection of vehicle that I did made because, size, color and interior color for the next step as a TLC NY vehicle where the XXXX do n't qualify for black car service and the incomes will never compensate this wrong effort that I did took for my family and myself. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. CEO XXXX XXXX XXXX. XXXX XXXX. NY XXXX XXXX XXXX XXXX XXXX XXXX
02/23/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • TX
  • 79705
Web Servicemember
AUTO DEALER FRAUD I went into XXXX XXXX / XXXX XXXX, TX on XX/XX/XXXX to purchase a XXXX XXXX XXXX that had 2300 miles when I picked it up. My wife and I spent the half a day there doing paperwork and getting the dealer to finance. We left with a retail sales contract and conditional sales agreement after ... they took our {$10000.00} down payment. We had supposedly received a loan through Exeter Finance which we had a loan number and account set up with the institution. A couple day later the salesman called and said " We lowered your payments! Come back and re-sign! ". I told him I wasn't interested in a " better deal '' I will just stick with the deal I signed when I purchased the vehicle. Another week or so went by and XXXX XXXX from the dealer finance department called and said they would now need XXXX 's for the deal that we supposedly already had. I specifically asked her and the sales manager if there was an issue with the original loan and was told there " was not ''. Although highly suspicious and reluctant I went to the dealership to deliver the requested additional information. Approximately another week goes by and then a request for 3 months of banking statements were now needed. My suspicions grew further yet I took the time to redact personal information and purchase dollar amounts form the bank statement leaving the information the bank and the dealership would need to see specifically deposits. After almost 7 weeks XXXX XXXX now says the deal was never funded and I could either find my own financing or pay for the vehicle cash. I explained in either case I would not pay the fees they tacked on to the deal for everyone to make their commission if I had to do all the work. I offered to pay for the vehicle minus the fees. I never heard back for a four days until without warning the dealership repossessed the vehicle on XX/XX/XXXX and has kept my {$10000.00} down payment. The company they hired to repossess the vehicle refused to show any proper paperwork to repossess or wait for the police to arrive as asked. Instead he put his machine down on my XXXX, XXXX a XXXX, and continued to back the tow truck up which would have XXXX my XXXX had I not moved it at the last minute. I am a XXXX veteran and one of my XXXX is in my XXXX XXXX that was attempted to be run over by the tow truck driver. The operator breached the peace to come on my property and take the vehicle without providing any paperwork andwhile assaulting me and causing bodily harm. If you read the XXXX reviews for the dealership this is how they do business you will see no less than 10 reviews of scams the dealership has pulled.They do not respond to XXXX complaints and or live up to agreements with government entities. Deceptive trade practices are the only thing being dealt at XXXX XXXX / XXXX XXXX dealership. It is so egregious it should be criminally investigated by the proper authorities to protect consumers. XXXX XXXX and XXXX XXXX feel they can rewrite Texas and Federal law to benefit them and the dealership. I was told they would return {$9200.00} of my down payment, 64 days later and no response or attempt to contact me, and I should get a lawyer to get my money back because they already have one. This shows the intent to defraud consumers out of down payments from yo-yo financing and " We got you a better deal come resign '' scams if they immediately lawyer up to force customers to sue for their money. It has been over 64 days and I have not received a phone call to pick up my {$10000.00} down payment. There were important documents, personal belongings and cash in the vehicle and the dealership will not or has not returned any of it.
07/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 37086
Web
I have or have reported this situation to XXXX, XXXX and XXXX and have submitted a dispute request and/or fraud report. I informed him but unfortunately they denied me more than 4 times. I do not understand why they have not wanted to help me even by sending documents from the Courts. Accounts and Collection : 1. XXXX 2. EXETER FINANCE XXXX XXXX. XXXX XXXX XXXX PAST DUE : {$120.00} ACCOUNT # XXXX 4. XXXX XXXX XXXX ACCOUNT # XXXX 5.XXXX XXXX Original creditor : XXXX ACCOUNT # XXXX 6. XXXX XXXX XXXX XXXXI ACCOUNT # XXXX This is inquiries is never authorize : XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : XXXX and XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : XXXX and XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Miscellaneous and public record po box XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Automotive XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX and XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX and XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX and XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance other than personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX, personal XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX Business Type : XXXX and XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX and XXXX & XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX
03/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • FL
  • 32404
Web
Im writing a new complaint because per FCRA I have the right to fair and accurate reporting of my credit information. I will seek legal counsel if this is not resolved. I am more than patient as Exeter finance plays with my credit report. Exeter finance placed a charge off on my account across all XXXX major credit bureaus on XXXX XXXX. My car was totaled out in XX/XX/2020 and I contacted Exeter finance about the incident also in XX/XX/2020. I stated that my insurance was on top of things and they would be sending payment to pay off my car since it was total loss. XXXX paid Exeter finance {$8000.00} on XXXX XXXX. I have enclosed the proof. This is third time I have provided proof. This was paid well before Exeter finance charges my account off. It should have never been charged off. There was a small balance left on my account which I called Exeter finance again to tell them that gap would cover the rest of the car. Charge off means a creditor believes they will never receive payment. Exeter finance knew good and well that they had received {$8000.00} in XXXX and that gap was paying the rest of the car off which they did. Not only is this charge off bogus exter finance is reporting inaccurately across all three credit bereaus. I will also enclose this new evidence. Exeter finance has XXXX negative potentially months on XXXX credit report and XXXX negative potentially months on the other XXXX credit reports. On XXXX of my credit reports a few months show green and paid on time while on another credit reports it shows 30 days late. I really dont want this investigated again I want it REMOVED! They have been playing with my credit report and moving positive/negative months for over a year now. They are seriously affecting my credit report and not being fair per fcra and I cant even purchase a home due to this charge off causing my score to be so low. XXXX has been paid this off in XX/XX/2020. There is no reason why I should have to continue fighting exter finance. XXXX finance also has changed my charge off month several times and my credit continues to suffer. On XXXX of my credit reports the charge off month is XX/XX/2020. Another report the charge off is XX/XX/2020. While on another the charge off is XX/XX/2020. Why should I have to suffer for this for 7 years when it was never a charge off. FCrA guidelines states if a creditor reports inaccurately the charge off has the DELETED when a creditor reports incorrect data. They have violated FCRA guidelines and Exeter knows this. In the beginning I was since I didnt pay out of pocket is the reason for the charge off. Its not my fault that my insurance company sent the {$8000.00} payment directly to them. On XXXX XXXX ( before the charge off ) after I spoke to a representative they even removed the late fee that was applied in XXXX XXXX after I called and told them my insurance was paying the car off. I have suffered fighting exter finance long enough and I honestly dont understand the reason. Also on XXXX credit reports Exeter reported a XXXX balance on XXXX XXXX when they charged the account off. however on another credit report exter finance reported a balance of {$930.00} on XX/XX/2020 when they charged it off. I also have enclosed this proof. If Exeter finance doesnt remove this charge off completely off of my credit report I will seek legal counsel for their Fcra violations to recover damages for reckless reporting.
12/13/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • TX
  • 75033
Web
The company inaccurately reported a 30 past due on my credit report. I made a payment in the amount of {$470.00} ( which was the remaining balance showing at the time of the payment ) on XX/XX/2019 to pay off my vehicle loan. On XX/XX/2019 a charge of {$10.00} was posted to my account. I called Exeter and spoke with an agent named XXXX, who informed me that the charge was from accrued interest. I offered to make the payment over the phone, but the agent stated that since it was a small amount, they she have the payment waived, and the account would be paid in full and my credit reporting would be in good standing. On XX/XX/2019, I received an alert from the credit bureaus stating that my credit report was 30 days past due in the amount of {$10.00} from Exeter Finance. I called Exeter and was told by an agent that the notes were in the system from XX/XX/XXXX, but the payment wasn't taken care of and they would make sure it was handled, and 30 day late payment would be removed. On XX/XX/2019, I received a credit alert that the account was paid off ; however, the 30 day late payment wasn't removed, and it was told to me by the previous agent it would be. I called Exeter to dispute the 30 day late payment, due to the conversation I had with the agent on XX/XX/XXXX and XX/XX/XXXX, since it was an error on their end. According to Exeter, I am held accountable for the late payment on my credit report because the payment wasn't made by XX/XX/2019. I called Exeter on XX/XX/2019 and was informed by a collections manager that because the {$10.00} payment wasn't made by XXXX XXXX it was reported as past due. But, they also stated that they did see in the notes where it was requested to be waived on XX/XX/2019, but unfortunately it was nothing they could do because they done all they could do on their end. I have requested more than once to have the calls and notes reviewed from XX/XX/2019 and XX/XX/2019 to prove I was told the account would be paid in full and my credit would not be affected. If I made a {$470.00} payment to pay the account off, it makes no sense purposely leave {$10.00} remaining, when I have never been reported late on my credit report. It made no sense for the company to waive a {$10.00} fee, but leave the 30 late payment on my account, when I was specifically told this would not affect my credit. This situation could have been handled on XX/XX/2019 when I insisted to make the payment and close the account, but the agent stated it would be waived and taken care of. I do not believe this company did a thorough and fair investigation of the situation. On XX/XX/2019, I asked if I could get a copy of the notes from the calls since they are recorded, the agent told me they would need to be subpoenaed to do so. This company 's customer service is ridiculous and I would not recommend anyone to do business with them because they do not thoroughly do their job. I have attached a copy of the payment history that was sent to me by email on XX/XX/2019 because I requested to have a full payment history from the agent, XXXX on XX/XX/2019 when I spoke with her. On the payment history, prior to XX/XX/XXXX payment. It states the remaining balance was {$470.00} and that payment was made. I also attached the generic letter that was mailed to me from Exeter finance, that did not include a thorough explanation.
06/14/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32256
Web Servicemember
To : Exeter Collections Department Fr : Disheartened Military Mom I wish this letter comes under better circumstances however, I am very disappointed with the handling of my account by your total loss department. I spend every day of my life serving my country and my family was totally devastated XXXX of last year when my car was totaled. Thankfully, my husband and I purchased gap insurance and thought everything was covered. Imagine my surprise when we finally get ready to buy our dream home a few short months later and I find out that I had a charge off on my account from your company that caused my credit score to drop over 100 points! Of course, it had to be a mistake because I had a perfect pay history with you guys up until the accident and my gap insurance covered the balance. I immediately called your collections department and was advised that there was somehow {$260.00} owed on the account and that it was charged off on my credit report it is just over {$400.00}. How can that be, and even if that was the case, how was I not ever notified of this prior to charging off my account and damaging my credit for such a small amount. As stated, I am in the military. Not only does this run the risk of putting my family with our brand new XXXX on the street, It also puts my career that I worked so hard for at risk due to the fact that my credit is apart of my XXXX XXXX and if it is not removed from my credit I can also loose my career, the way I serve my country and support my family. What is sad to me is that I am in and out for duty often and all you guys had all of my contact information and I have no record any missed calls or letters stating that there would be any adverse action taken. This is totally unacceptable. And now, thanks to you, I am 30 days from my lease being up, and about to lose the house and the career that we have worked so hard to get. This is unfair, deceptive, and ultimately abusive to handle your great customers like this!! A simple phone call to let me know would have gone along way! I already had to deal with losing my car and trying to figure out how to get back and forth to base and get my son to school and as if that wasnt enough, you guys just let the account sit and age and then charged me off with no consideration of what that would do to me or attempts to make it right. I have called several times to get assistance and everyone Ive talked to have been unhelpful and has flat out told me with no emotion that there is nothing they can do! All I asked is that this simply be removed from my credit history and for a letter saying that this in an oversight and has been taken care of and that mistakes happen. Which I can give to the VA to get get our home and also so I can keep my job. I hope this note gets in the right hands and someone can at least look at my history with your company and right this wrong. I would hate to have to look into getting an attorney for something that in my mind is an easy fix. Thank you for your consideration and hope to hear from you soon. Respectfully, XXXX XXXX If you have any questions my husband XXXX XXXX is authorized to speak on my behalf. Due to the fact that my schedule and availability are always changing. He can be reached at ( XXXX ) XXXX or ( XXXX ) XXXX Thank you in advance for your help!
04/10/2022 Yes
  • Vehicle loan or lease
  • Lease
  • Getting a loan or lease
  • Changes in terms mid-deal or after closing
  • TN
  • 38340
Web
I purchased a XXXX XXXX XXXX from XXXX ( XXXX Location in XXXXXXXX XXXX ) on XX/XX/XXXX. They approved me through a loan from Exeter Finance ( additional complaint to be filed on this company, as well ). The vehicle was financed at XXXX, with a {$2000.00} down payment bringing the total owed to Exeter to {$19000.00}. On XX/XX/XXXX the XXXX caught fire in the middle of the night and burned. It was deemed a total loss by insurance. ( I did have full coverage insurance ). I contacted the manager of XXXX at XXXX, explained the situation and asked what to do, as I was told I had a 30 day warranty in which the vehicle could be brought bavk if it had any problems, anything wrong with it, etc NO QUESTIONS ASKED AND I WOULD RECEIVE A FULL REFUND. He first stated ( and I do have these conversations in text messages ) to wait and see what insurance would do and we would go from there. He sated he would do anything he could to help and he assured me I would have another vehicle, stating it may not be another XXXX, but he would make sure I had a vehicle ( as he knows I am a single mother XXXX XXXX XXXX XXXX XXXX XXXX, struggling to make ends meet, and I do not have the best credit at this time. Once insurance did the appraisal I was notified the cash value of the vehicle and the only amount they would pay out was XXXX. Once, the XXXX $ deductible was taken out, Exeter finance would get a check in the amount of XXXX, leaving me roughly {$3000.00} in debt with this company. I notified the mnager of XXXX at which time he told me I should file a complaint with XXXX, as there was a recall on my car and see what they would do. I did do this. XXXX told me it would be a MINIMUM of 6 to 8 weeks before they could even look at the vehicle. At that point they would have to determine the fire was definitely due to the recall before they would do anything. Again, I notified the manager. At this time, my 30 days insurance covers me a rental car is up and I am paying out of pocket for a rental car that I really can not afford, having to have assistance from family. At this time, the manager told me he would have the salesman that sold me the XXXX to run a credit app to see what they could do. They called back and stated without a co-signer ( which I do not have ) they can't do anything. I feel XXXX should be held to some accountability for this, as I had the vehicle 12 days when it burned. That should've been covered under my 30 day warranty, being this was at no fault of my own. Also, after the manager ASSURING me he would do EVERYTHING he could to help, he did nothing and he certainly did not ensure that I had a vehicle to drive. At this current moment I am still driving a rental that I am paying for out of pocket. I do not have the money for a down payment, nor can I approved through traditional ( or any ) car dealerships due to my credit and no money for a down payment. Also, in the mean time being I kept XXXX the insurance offer, they did get it up to the amount to cover the cost of the vehicle but not extra for me to obtain another vehicle nor get my {$2000.00} down payment back ( This is where my complaint with Exeter Finance comes in that will be filing immeiately after I finish filing against XXXX XXXX location.
02/06/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IN
  • 46235
Web
XX/XX/XXXX Exeter Finance XXXXXXXX XXXX XXXX XXXX, TX XXXX RE : Acct # : XXXX RE : To your Response on my CFPB Complaint XXXX & Direct Dispute. To Whom It May Concern : In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/XXXX ), 16 CFR 660.4, this Notice of Direct dispute includes the following : In the continuation of this, direct dispute with Exeter Finance. These issues will once again be address : Late Payments /On-Time payments : As noted in my direct dispute with you mailed and listed in the CFPB Complaint above, I asked to see Exeter Finances account statement not the personal account pertaining to this account. We need to see when the payments went into your account, how they went into your account etc, this information clearly requested. Without providing this information any late payments your provide to CRAs or whoever is unverifiable. The only legal way to prove if a payment was late or not will be to show the evidence requested. If you are unwilling to provide this documentation then I suggest you cease all reportings to the CRAs about payment history of this account. You provided an account statement but you failed to provide information about certain payments that were credited to the account, as requested in my previous direct dispute with you. According to your account statement, you added a waived fee, that does not count as a payment on account and by no means does it restart the DOFD in fact it is illegal for you to do so, which I know you know and yet you have reported this to the CRAs, as accurate. ( Please See attached Document Labeled Exeter XXXX ). Any payments listed after XXXX to this account I want to see verifiable proof of these payments, ie. Exeter Finances personal bank statement showing these payment, not Acct # XXXX account statement. Also, provide the payment method and who authorized these payments. I have my bank statements and I never used checks. Please provide this information requested. Notice of Default and Requirement of Strict Compliance : You realize under this account you have issued ( 5 ) notice of defaults and requirement of strict compliance ( Cure notices ) and out of the ( 5 ) notices ( which I have made copies of from the online account ). The following issues arise : - The payments you demanded under the notice of default were not made by the dates listed in each of the defaults - Your explanation of calculation of surplus or deficiency is illegal in the state of Indiana. Where are the payments made to the account on this form? You cant legally supply a deficiency balance without allocating the all payments made on this account towards the balance. You failed to provide requested information : o Please provide copies of this payment account number/name on account/authorization/payment method, as well, Exeter Finances own bank and transaction records to verify the validity of this payment. If payment method was money order/check please provide copy of check/ money order showing a signature and a tracking/account number name etc. I do believe this payment to be illegal and in violation. - Also, in the state of Indiana this repossession is considered wrongful.
12/20/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 90230
Web
I am writing to dispute an incorrect Late Payment mark on my credit. I have been a customer of XXXX XXXX XXXX since XX/XX/XXXX and have had a good payment history up until XXXX of this year. I advised Exeter that there was a fire in the home above mine which spread to our home and ruined all of our belongings. As a result, my wife and our XXXX kids had to switch homes unexpectedly and due to the expenses, could not make our payment. I asked Exeter in XXXX if they could grant me an extension for 2 months so that I could make my next paymentXX/XX/XXXX. We started the extension process but I was told multiple times that they never received my e-mail and the extension never got fully approved until XX/XX/XXXX. At that point, the extension was granted to cover the payments for XX/XX/XXXX and XX/XX/XXXXmaking my next payment due XX/XX/XXXX. On XX/XX/XXXX I also made a payment to Exeter in the amount of {$570.00} to cover my XX/XX/XXXX 's payment. OnXX/XX/XXXX, after the Extension was approved my Exeter marked my credit 30 days late for the month of XXXX even though that is the month included in the approved extension. It is clear that this is an error on Exeter 's part however they have not resolved this issue since I brought it to their attention originally. Timeline of events :XX/XX/XXXX - first initial call to exeter requesting extension XX/XX/XXXX - extension documents sent XX/XX/XXXX - I sent extension documents back to XXXX department XX/XX/XXXX - I called exeter back because I had not received any confirmation of the extension being finalized and was told to send in the paperwork again. XX/XX/XXXX- called back again regarding extension paperwork and was told the initial request had expired and that I had to refile XX/XX/XXXX - I called back in to check on status of extension request and they advised again they had never received it and sent me a new document XX/XX/XXXX - I sent the document back via e-mail to the XXXX departmentXX/XX/XXXX - I called back to ask about extension request and was advised it was never received. I made a payment which I was told covered the month of XXXX. I was sent new E-sign documents to cover an extension for XXXX and XXXX. XX/XX/XXXX - I sent E-sign documents back XX/XX/XXXX - the extension was finalized and placed on my account to cover the months of XXXX and XXXX with next due date ofXX/XX/XXXX. Again, Exeter reported I was 30 days late to my credit onXX/XX/XXXX which is incorrect because I did have an extension in place. After all we have been through, we are now trying to apply for a house and this has severely affected my credit. I have dropped 120 points due to this mark from Exeter and I did everything in my power throughout these last 2 months to ensure that I had an extension filed and was in good relation with Exeter as a company. It was Exeter that failed to ensure the extension was placed in a timely manner and as a result, they incorrectly marked my account as delinquent 4 days after the actual extension was approved. It is of utmost importance that this late mark be removed to help my family qualify for a home and also to have accurate reporting according to the extension that I was approved for on several occasions.
03/30/2022 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30038
Web
Fact, I became aware of my consumer protection rights approximately 2 weeks ago honestly, yet according to federal law 15 USC 1602g, I am the person who regularly extends, lawfully defined as the " creditor ''. Fact, on XX/XX/XXXX a misrepresentation of presentment was given to me in the name of a " Retail Installment Sale Contract '' from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX, as a fiduciary, he gained my trust to finance a XXXX XXXX XXXX. I was deceived by deceptive forms that were misrepresented to me which lead to a false belief that I was participating in a loan and establishing a collection of debt for a third party, EXETER FINANCE LLC. Alternatively to a consumer CREDIT transaction, I was mislead into a DEBT and a false belief that a person [ EXETER FINANCE LLC ], other than XXXX XXXX XXXX XXXX was participating in the attempt to collect a debt that I allegedly owe to such person other than the " creditor ''. 15 USC 1692j, 15 USC 1692k. Fact, on XX/XX/XXXX, I paid {$5000.00} USD down payment with my debit card to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX who told me that a down payment was required for financing which is not included in a lawful finance charge pursuant to violating the Federal Truth In Lending Act. Federal law 15 USC 1605. I also suffer damages when I was swindled out of my rights to reclaim my securities, so that deceitful and rogue agents at XXXX XXXX XXXX XXXX would appear to be absolved from their true CREDIT LIABILITY and TAX LIABILITIES for Selling the " Retail Installment Sale Contract '' to EXETER FINANCE LLC, as commercial paper as an implied contract which in FACT is a deceptive trade practices and prohibited transaction pursaunt to 26 USC 4975. Fact, on XX/XX/XXXX it was federal law for XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX to clearly and conspicuously disclose the proper forms for me to exercise my Right to Rescind in which I never received and there were never any disclosures of such before or later so no proof of consideration was given to me where it was due as enforced in 15 USC 1635 the Federal Truth In Lending Act. Fact I have suffered for years and the damages are beyond humane because they are commercial assaults that this auto dealership committed to in my case I have monetary injuries in the amount of $ XXXX for earnest payments to alleged creditor. Fact, on XX/XX/XXXX unfortunately I was in a collision with an uninsured motorist that totaled out the XXXX XXXX XXXX and the insurance pay out was fraudulently collected as a debt allegedly owed to alleged creditor EXETER FINANCE LLC. which violates federal law ( s ) 15 USC 1692e, 15 USC 1692f, 15 USC 1692h, 15 USC 1692i, 15 USC 1692k, 15 USC 1601b 15 USC 1602f, 15 USC 1611, 15 USC 1640, 15 USC 1666, 18 USC 8 I have contacted the accused parties mentioned in this complaint by writing and certified mailings, however they have not complied this is my consideration to grant the opportunity to cure before I take further legal actions. I demand to be paid in full for settlement for damages in the amount of {$100000.00} USD order to pay ; XXXX XXXX
06/16/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • MN
  • 56401
Web Servicemember
My wife and I bought a new XXXX XXXX XXXX XX/XX/XXXX. Cost was XXXX. I ended up trading in my truck which I didnt want to but the salesman and finance manager said needed that to get deal done. Also had to have my wife who was girlfriend at the time co-sign and she had a score less then 400. I told the sales and finance to go through XXXX XXXX for my financing since I had used for 3 to 4 prior vehicles all paid off on time and max interest was 18 %. The XXXX XXXX XXXX of XXXX XXXX, XXXX Said I was denied and had to go through the only company that would take me. Which that was Exeter Finance LLC. Now they sold us a lifetime XXXX oil change plan for XXXX and said best for us to take XXXX that was XXXX through XXXX.? all financed at 28 % interest. With trade in and other we put down XXXX dollars financed XXXX. The oil change plan was through XXXX. Well I got first 2 free and have never had the free oil change since. I have been too 2 different XXXX dealers both have said I bought it but no one ever put into a system so not valid anywhere.so when all done total amount to finance was XXXX. As of today XX/XX/XXXX I still owe XXXX after 4 years of XXXX a month payments. We where told at XXXX that in six months from date we signed call and we can refinance with Exeter for a lower interest and payment. Which when we tried Exeter said that we couldnt refinance we bought it and its ours. XXXX a XXXX vet and have killed myself making payments. And still owe as much as we did 4 years ago an have 24 months left to finish contract. But I was lied to about lifetime oil change that I had to finance and the gap which we actually dont even have after being told missed a few payments so thats got voided but still pay 28 % on the XXXX and then being told that all good refinance in six months then Exeter says that not what deal is. And I also found out after that no one ever tried to finance through the company I said to go to that always financed me and way less interest. Have a XXXX XXXX wife and living on a VA XXXX check makes it extremely hard to continue the robbery thats taken place. I should be paid back all interest on the worthless gap and lifetime oil change plan. And the XXXX those cost together and my interest should never have been over 18 %. And in Montana not legal to charge over 14 % but I found out late and only had a 2 year window to go through state to resolve. But Exeter also wont change payment date so Im late every month 15 to 20 days that they get extra money interest because they wont change date to the 1st of each month when I get my government XXXX pay. I hope I can get some relief in this mess. I cant afford it and I dont want to let it go back after paying XXXX dollars. Exeter finance is out of Texas and XXXX XXXX XXXX is headquartered in XXXX Oregon. Both companies lied and said things to get my truck as trade sell worthless services and I feel like I was scammed into the interest when they wouldnt refinance. I didnt have much issues but a year ago wife had mental breakdown has not left our house since XX/XX/XXXX. And I now have to be home taking care of her please try to do something. Thank you.
08/18/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • CA
  • 90740
Web
XXXX granted me an extension on XX/XX/XXXX and failed to process the extension. They then granted me two extensions to make up for their error and then deceived me in regards to their processing of the extensions and the negative effect what they were going to do had on me and my credit. Instead of granting the XX/XX/XXXX extension they promised, they back dated my XXXX payment which made me appear late In XXXX, then then reported the delinquency to all three credit agencies. I have had to dispute Exeters incorrect reporting to all three credit agencies on four separate occasions, beginning in XX/XX/XXXX. All four have been corrected but were reported incorrectly be Exeter and would not have been corrected if I had not checked my credit reports and disputed. Exeter then sent me a letter saying their reporting to credit agencies is accurate. I then viewed all three of my credit reports that show Exeter again has reported incorrectly and I have all the documents to prove. Exeter has failed to create a procedure that eliminates the incorrect reporting. The incorrect reporting has led to increased interest rates on loans I have taken out and cost me more. I have also been declined credit and housing due to their incorrect reporting. I have called Exeter 15 times in XXXX to report consistent overcharging and incorrect billing statements. I was told everthing was accurate. I audited my account, against their statements, and my bank and was overcharged over {$100.00} in the last year. When I brought it to the attention of the CEO, the OOP, and XXXX XXXX it was ignored. If all of Exeters borrowers were overcharged {$100.00} this year alone and ignored, that is unlawful overhead. Approximately 10 of my calls were related to questions regarding Exeters standard business process as it relates to extensions and repossession. I was told there was no standard business process in regards to extensions. I was told once they were offered, I was next time they were not-then on the same call I was granted one. I asked at the call what the standard business process was and the representative could not communicate one. I told him with out standard process discrimination came into play and he agreed. That extension was not processed. XXXX XXXX called and then granted me two extensions, I asked her what standard business practice was and she said she had the leeway to do whatever was needed. She then processed two extentions and failed to inform me of the actions she was going to take that negatively impacted me, see paragraph one. I then reached out to the CEO on XX/XX/XXXX and asked for their standard practice and time line in terms of repossession. All of the above and the fact they financed a {$9000.00} for {$35000.00} has pushed me into job loss and bankruptcy. I told them I needed to know time line so I could manage everything and surrender the car if needed. I have sent two inquiries to the CEO, Office of the President and have been ignored. Exeters actions violate Consumer Law, have cost me greatly and their lack of standard business process and service makes them a discriminatory predatory lender.
07/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • SC
  • 29483
Web
Exeter finance charged off my loan at XXXX and some odd change, but I still retainted possesion of the truck and contin ued to make regular PAYMENTS as close to on time as I could .I adv ised them I was out of normall work due to being diagnosed with XXXX XXXX and all was well for another XXXX years.so much so the the $ XXXX went down to $ XXXX and out of the blue recieved a phone call saying that i needed to find diffrent financing for the truck, trade it in or they were going to reposses the truck.I informed them that i felt that it would be difficult because of the charge off and asked if they were going to at least lower the number of the charge off since i had paid it down to XXXX .I was told no. well the lady called me 2 days later very nasty and asked me if i had found alternative finan cing and i informed her that no i had not, then she informed me that she was issuing the order of repossesion.That put me in a mad dash, so i searched and searched and finally forund someonewilling to take the truck on a trade in, so i called exeter fin. and told them and asked them if i was ablr to get this to work would they do something about the charge off and the lady told me if I was able to get this to go threw she would not list it as a charge off on my credit as a charge off at all she would list in in a manor that was not negitive at all she would list my account as " Paid in Full '' The arrangement was for them to take {$13000.00} for the payoff of the truck and 1099 me for the diffrerance and that would be a " paid in full I have disputed it every way i can and they are not removing the charge offlike they said and not only that they are listing it as settled for less than owed> This is not right, I did what they asked me to do and they are not being bound by what they said they werfe going to do, and i did sme reading when they charged off the loan at XXXX but i paid it down to XXXX k they took the original tax break at XXXX, HAVE THEY AMMENDED THE LOSS AMOUNT WITH THEIR TAXES, BECAUSE, now i may be wrong but it read as it was unlawful for a company to claim a loss as a bad debt, and recieve the goverments deductions from the debt at one number but recieve monies from the same debt with out ammending the total submitted for the deduction originally .as i said i could be way off i havent recieved anything saying that they did anything of the sort. I just want them to do as they told me they would i jumped at a moments notice to make almost the impossible happed and succeded, and they told me out of their own mouths that there would be no charge off if i did what they asked me to do. I have disputed at least 4 times, each time they change a word or 2 and it is just updated and thats not right.iT HAS XXXX MY CREDIT SCORE wich in turn has cost me a great deal of money in intrest cost if being approved at at please help me with getting this charge off removed from my report, and i dont even know if i would be able to recover any of the funds that it has cost me but more than anything i just want it gone so my score can rebound and i can get on with my life thank you sir or maam
02/17/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MS
  • 39211
Web Servicemember
I have sent several letters requesting validation and verification of this debt and the original documents and methods used to verify this debt. My requests have repeatedly been ignored. I feel strongly that this company simply can not provide the original signed in wet ink documentation to legally verify this debt per the FCRA and thus they refuse to respond or delete the entry from my credit report. Judging by the numerous complaints on the XXXX website ( I also have a complaint there as well # XXXX ) as well as them having their accreditation stripped from them, i would be confident in assuming that they don't act in good faith when it comes to amicably solving simple issues like this one. I will enclose copies of some of the letters with return reciepts that I have sent to this company that I have still yet to receive any original signed wet ink contract from nor have i receive any methods by which they verified this deTo Whom this may concern : As I have not heard back from XXXX XXXX XXXX or any representative of said company in over 30 days since my second formal written notice of dispute dated XX/XX/2020 ( copy enclosed ), and since they have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.bt. In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. For the record, I state again : As I have no current valid account with XXXX, nor am I a customer, nor have I ever entered a valid contract with them, I must ask them to provide the following information : 1. Please evidence thier authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is their authorization of law for your collection of information? 3. What is thier authorization of law for your collection of this alleged debt? 4. Please evidence their authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged signed in wet ink contract or other instrument bearing my wet ink signature. This companies failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. XXXX XXXX XXXX 's continued silence in this matter is unacceptable, not in good faith, not good business practices, and mirrors the many negative reviews and complaints from other consumers about how this company treats consumers. They should Either provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it to.
10/08/2021 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33010
Web
To clarify, the prompts I received prior to this point did not really encompass my issue, so I will do that now. My car loan with Exeter Finance was originated in XX/XX/XXXX, the last car payment remitted was in XX/XX/XXXX, as the car was totaled in an accident. I contacted Exeter and told them where to pick up the car and I don't know what happened. The loan was subsequently charged off in XX/XX/XXXX. ABSOLUTELY NO PAYMENTS WERE REMITTED BY ME AFTER XX/XX/XXXX!!!! If I am understanding correctly, charged-off accounts are removed from your credit report seven years after the date of the last payment. Therefore, Exeter was scheduled to remove this account from my credit report this year, XX/XX/XXXX. However, upon reviewing my credit report in XXXX, I was amazed to see that in XXXX, XXXX, and XX/XX/XXXX, the balance owed increased. Then in XX/XX/XXXX... an insurance refund in the amount of {$580.00} was MIRACULOAUSLY applied to the account, which Exeter considers to be a payment. I was not given any statement or documentation regarding this " refund '' or any information on why my charged off balance increased TWO MONTHS before this " refund '' was applied. Ironically, NO OTHER PAYMENTS HAVE BEEN APPLIED TO THE ACCOUNT SINCE THEM. Exeter finance purposely applied a FRADULENT PAYMENT to a CHARGED-OFF LOAN, to reset the clock. Now my credit report shows that the last payments was received in XX/XX/XXXX, which means this won't be taken off until XX/XX/XXXX!!!!! This is NOT RIGHT!!!!! POOR PEOPLE ARE PREYED UPON!!! I don't make excuses for my life. I am a single mother and I have worked hard to support my family completely alone. No one wants to have a sub-prime car loan, but sometimes we LITERALLY DON'T HAVE A CHOICE!!!!! My daughter is going to college next year and I am desperately trying to fix my finances and credit, so that I can help her as best I can. EXETER FINANCE HAS BEEN A NIGHTMARE!!!!!!! There is NO WAY to justify an insurance refund being applied to a loan TWO YEARS AFTER IT WAS CHARGED OFF!!!! This was clearly done in an attempt to keep this on my report. I am BEGGING the CFPB to please step in and help me!!!!!!!!!! Having a $ XXXX debt removed would do wonders for my credit score and reduce my DTI ratio. The loan was supposed to drop off my report NEXT MONTH!!!!!!! I have been waiting for the day I would be rid of this mess and they pulled something like this. I CAN NOT HAVE THIS ON MY CREDIT REPORT FOR ANOTHER TWO YEARS!!!!! When I called them recently, they told me that it's not going to come off for another TEN YEARS!!!!!!! HOW CAN THEY ADD THREE YEARS WHENT THE ALREADY FRAUDULENTLY ADDED ON TWO MORE!!!!!!! This is illegal and not even human to do something like this. My dad died in XX/XX/XXXX and I cared for him, my siblings, and my child. I had to pay for everything and I already didn't have much. When I got into the accident ( the driver was uninsured and fled the seen ), I couldn't afford the car let alone to have it repaired. I just want Exeter to remove the charged off account from ALL THREE CREDIT BUREAUS!!!!!
07/18/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • SC
  • 29577
Web
On XX/XX/2017, I purchased a brand new XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. The total amount financed was {$23000.00}, after putting {$500.00} down with a {$4000.00} rebate. I went through the normal process ; getting approved for financing which required my mother and I to provide proof of employment ( a months worth of paystubs ), signing a million documents, and eventually driving home in my brand new car. My mother lives in another state so the dealership had to send the documents in the mail for her to sign but I was still allowed to take my car home that day. They just told me that they would contact me once received, so I could come back to the dealership to get my temporary tag and pick up a copy of my executed contract. On XXXX.17, I received a call from Exeter Finance Corp, the finance company, stating that they had to contact both of our employers to verify employment and needed numbers. This clearly didnt make any sense to me since we both had already provided our pay stubs and were approved for financing on XX/XX/XXXX. Then on XXXX.17, I received a call from the finance guy, at the dealership, saying that Exeter called and said that they weren't going to finance me anymore because the income provided for my mother was incorrect. She provided her pay stubs for a whole month which were obviously accurate. I told the finance guy that this made no sense and that I would be contacting Exeter after I got off the phone. I then called Exeter and spoke to XXXX, in the buying center, in reference to my account. I explained what had happened and she argued that my mother wasnt an employee because she was receiving severance pay and wouldnt accept the documents. How was this legal since they approved my loan 2.5 weeks ago but now werent going to finance me based on ACCURATE information. After speaking with Exeter, I called the dealership back to let the finance guy know what was discussed. He wasn't available so I left him a message. The following day, I had to swing by the dealership to pick up my executed contract because they forgot to give it to me when I picked up my temporary tag. They didn't mention anything about the financing issue and I never heard back from either of them so I assumed that it was resolved. That was anything but true. On XX/XX/17, I received a notice in the mail, from Exeter Finance dated XX/XX/17, stating that they received my application for automobile financing and were unable to approve my request. This made ABSOLUTELY no sense. I was already approved for financing, through Exeter Finance, on XX/XX/XXXX. How was I allowed to drive off the lot if they didn't approve my request? Mind you, this notice was sent almost a month after purchasing my vehicle and my first payment was to be made on XX/XX/2017. I also never received a contract from Exeter Finance outlining the terms of my loan. The only documents I signed were those at the dealership. With that being said, I would like a copy of my loan agreement with Exeter Finance for my records and for review and an explanation for the denied financing.
01/31/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Changes in terms mid-deal or after closing
  • GA
  • 31313
Web
Due to the nature of our relationship, I sent a letter to Exeter Finance ( XXXX XXXX XXXX XXXX, TX ) as well its C.E.O. XXXX XXXX ( Location : XXXX XXXX XXXX XXXX XXXX, XXXX TX ), received on or about XX/XX/2022 ( letter, and proof of mailing attached ) in which I requested the housing location of my original promissory note that I endorsed as a consumer as I have reason to believe it is being traded for proceeds. Exeter Finance responded with a copy of my promissory note stating that they believe the debt to be valid. Exeter Finance failed to directly, and reasonably respond to my request as I did not inquire about the validation of the alleged debt. On XX/XX/2022. I called Exeter Finance at XXXX ( Recording of call attached ). In the attached recording the representative stated that he could not tell me and did not know the location of where my original promissory note was housed. This leads me to believe that Exeter Finance is no longer the holder in due course of the original instrument. If this is fact, then I am not legally obligated to pay the alleged debt I allege that I may not be obligated to pay the debt because Exeter Finance has hypothecated, traded, securitized, or monopolized any form of that original promissory note/application. Provide me with the exact location of that original instrument. If you can not, then I am alleging that Exeter Finance is no longer a holder in due course and I am now making my claim to the instrument and I revoke and rescind all prior negotiations and demand the title to the automobile, Manufacturer Certificate of Origin, and all proceeds to be returned to me in accordance with U.C.C. 3-306, U.C.C. 3-603b, and 15 U.S.C.1692h. If Exeter Finance no longer has the instrument, then I no longer have an obligation to pay the debt. If the location of the original debt instrument can not be provided, then I allege that Exeter Finance is not a holder in due course to even make a claim on the instrument. Provide evidence with an affidavit under penalty and perjury in the next XXXX days otherwise cease and desist all forms of communication on collection. I as the consumer was never given full disclosure of all of the facts regarding the use of my promissory note as well as the fitness, performance, and attributes of the account and therefore have the right of rescission pursuant to 15 U.S.C. 1635 as it has caused XXXX anguish and XXXX instability. In accordance to U.C.C. 3-603b, this is my tender of payment of obligation to pay an instrument made to you to discharge the instrument for the full satisfaction of claim there to the exact amount of debt you say that I owe is now set off if you can not prove that I owe it and refund me all prior payments excluding the first payment. Also attached is a certified copy of a XXXX. XXXX research report from Georgia 's Secretary of State, further proving that I am not obligated to pay the alleged debt as debt must be recorded with the Secretary of State to be valid.
04/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 77459
Web
Copy Email sent to Exeter Finance Good Morning Exeter Finance Customer Service, I am sending an email with the information that I received in regards to my credit. I would like to understand how I these three months ( Please See Attached Photos ) payments were reported as late. I received a deferred payment which is supposed to add the payments on the end of my loan and the late payments not be reported, yet they were reported any way. I called on XX/XX/XXXX to address the issue and I received an alert of a new report that another late payment was added to my report. I also placed a call back to customer service on XX/XX/XXXX inquiring about the issue and she stated to me that the information was sent to the Bureaus was corrected for the month of XXXX and the letter was also sent to me as well. I am not sure if she understood my concern. ( XXXX XXXX XXXX of XXXX ) this is what was reported and should not have been. Prior to this call I only had two late payments XXXX and XXXX of XXXX after the call XXXX of XXXX was added. This is very damaging to my credit and does not honor the deferred payment agreement. Please advise on what other actions I need to take in regards to this mistake on Exeters behalf. Please Review attachments of the Following : Payments made XXXX See Below ) Date Document sent back to Exeter ( See Below ) Credit Report of Information sent to Bureau ( See Attachments ) Email sent from Ops Support ( See Below ) XX/XX/XXXX XX/XX/XXXX Payment Received MyAccount - Debit {$520.00} XX/XX/XXXX XX/XX/XXXX Fee Waived. ( {$12.00} ) XX/XX/XXXX XX/XX/XXXX Payment Received Agent Assisted - Debit {$510.00} XX/XX/XXXX XX/XX/XXXX Fee Assessed. {$12.00} XX/XX/XXXX XX/XX/XXXX Payment Received MyAccount - Debit {$510.00} XX/XX/XXXX XX/XX/XXXX Fee Assessed. {$12.00} XX/XX/XXXX XX/XX/XXXX Payment Received MyAccount - Debit {$510.00} XX/XX/XXXX XX/XX/XXXX Fee Assessed. {$12.00} XX/XX/XXXX XX/XX/XXXX Payment Received MyAccount - Debit {$260.00} XX/XX/XXXX XX/XX/XXXX Fee Assessed. {$25.00} XX/XX/XXXX XX/XX/XXXX Payment Received MyAccount - Debit {$510.00} This is also the email sent from Ops Support From : Ops Support Subject : Document Date:XXXX XXXX XXXX Reply : Thank you for contacting Exeter Finance XXXX . To verify if your account is eligible for an extension please contact a Customer Service Representative. If you need further assistance, please call ( XXXX ) XXXX. Customer Service Representatives are available Monday Thursday from XXXX XXXX. to XXXX XXXX., Friday from XXXX XXXX. to XXXX XXXX. and Saturday from XXXX XXXX. to XXXX XXXX. ( Central Time ). Sincerely, Exeter Finance XXXX. Your Partner in Car Ownership Thank you for contacting Exeter Finance XXXX. From : XXXX Subject : Document DateXXXX XXXX XXXX Message : I am supposed to receive a document to add the payments on to the end of my loan. She said I would receive it within 24 hours to sign and send back and I have not received it Showing 1 to 1 of 1 entries
01/26/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • CA
  • 92612
Web
I obtained a loan through Exeter Finance Corporation on XXXX/XXXX/XXXX. The original principal was XXXX, APR 25.02 %, monthly payment of XXXX, due the XXXX of each month. Before making my first payment I created an online account. After making my first payment on XXXX/XXXX/XXXX, I was no longer able to log into my account and could only rely on the paper bill statements I received each month in the mail. I just gained access to my account yesterday ( XXXX/XXXX/XXXX ) after mentioning the consideration of filing a complaint with CFPB. The statement generated on XXXX/XXXX/XXXX stated a balance of XXXX ; however, when I was able to log onto my account yesterday, my balance was at XXXX ( this was before my payment for XXXX posted ). Today ( XXXX/XXXX/XXXX ), after my XXXX payment posted, my balance is now XXXX. While speaking with a manager in the customer service department today is was provided a verbal explanation of the allocation of my principal and interest, from each payment starting on XXXX/XXXX/XXXX, and is as follows : XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX. Total Interest paid to date:XXXX, total principal applied to date:XXXX. According to my calculations, XXXX should have been applied to the principal balance to date, additionally, I do not understand the amortization of the loan, as it is inconsistent. Once the customer service manager took a look at my account and tried to explain the discrepancy, she put me on hold, then came back on the line and said she was sending my account to a specialist to further evaluate it. Her actions made me feel as if she was trying to avoid any more contact with me during the call to protect the company, and give them time to cover up what they are doing. I am a compliance assessor for a mortgage lender, and work every day to make sure all consumers are treated fairly. Having experience in assessing files in the financial industry, i can tell when something is n't right. The customer service department does not willingly provide information, as if they are under pressure by senior management to keep their business practices quiet. Again, once I made them aware of my experience, and that i was going to file a complaint with the CFPB ; I gained access to my account online for the first time in 6 months ( after attempting to do so multiple times ), and my account balance changed 2 times in 2 days, once before payment was made and after once after payment was made but both changes occurred after the mention of CFPB. The corporate office is also impossible to get in touch with. I have left a voicemail at he corporate office and have yet to receive a response. If they are improperly allocating my funds, then they are doing it to other people as well. Exeter Finance Corp is located in XXXX, TX.
05/25/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Problem with signing the paperwork
  • NY
  • 10451
Web
In or around XXXX XXXX , lifelong trusted friend, approached me about co-signing for a car. I was under the impression that co-signer meant a witness to the transaction or to confirm that Ms. XXXX was of good character. In or around XXXX XXXX , I accompanied Ms. XXXX to XXXX XXXX XXXX . At the time of signing, the car dealership representative directed me to sign here, noting that the signatures were just formalities. The representative did not explain to me what exactly I was signing or inform me of my responsibilities as a co-signer. After signing, the representative did not provide me with any copies of the documents related to the car. Instead, he told Ms. XXXX and I that the documents will be mailed to you. I had expected to receive the documents in the mail, but I never obtained the documents evidencing my obligation as the co-signer on the transaction. I discovered that the car loan was reporting negatively on my credit report when I was denied for a home loan in late XXXX . I did not recognize the Exeter account on my credit report, so I contacted Exeter using the information listed on my credit report. Exeter explained that I had co-signed for the car, and thus if Ms. XXXX defaulted on payments, the account would become part of my credit report. Exeter also sent me the Simple Finance Charge do cument, which was the first copy of the Simple Finance Charge that I had ever received. After sending a verification letter to Exeter on XXXX XXXX XXXX , I received the statement of the account, a copy of a monthly statement, and another copy of the Simp le Finance Charge. How ever, I did not receive any documentation that proves I was reasonably informed of my obligations as a co-signer at the time I signed for this account. Pursuant to New York Obligations Law 15702, before a co-signer becomes obligated on a consumer credit transaction, the creditor is required to deliver to the co-signer a complete copy of each note, contract, or other writing evidencing the obligation of the co-signer on the transaction, and a written notice that identifies the debt the co-signer may have to pay and reasonably informs the co-signer of his or her obligation with respect to it. According to New York Obligations Law 15702, if a creditor fails to comply with these provisions, the co-signer shall not be obligated as a guarantor of payment. At this point, I contacted the lawyers at the XXXX XXXX XXXX . They wrote to Exeter on XXXX XXXX XXXX requesting that they produce documentation that proves that I was reasonably informed of my obligations as a co-signor at the time of signing as required by the law. To date, Exeter has not produced any documents nor have they responded to my lawyer 's letter. In violation of the law, they continue to report this account to the credit reporting agencies and have not removed me as a co-signor.
11/06/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • TN
  • 37377
Web Servicemember
As predicted, it has been 72-hours since the below commitment was made by Exeter and the principal balance of my loan HAS NOT BEEN adjusted. It still remains {$20000.00}!!! AND it says my next payment is due on XX/XX/XXXX when the next payment actually due is XX/XX/XXXX!! This company is a bunch of crooks! I am not going to be getting the AG office involved. Enough if enough! This is the XX/XX/XXXX response I got : Company 's Response XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX Dear XXXX XXXX, On XX/XX/XXXX, Exeter Finance ( Exeter ) received notice regarding your complaint filed through the Consumer Financial Protection Bureau ( CFPB ). Exeter would like to thank you for the opportunity to address your concerns regarding your request to have the overpayment apply directly as a principal reduction. Exeter has thoroughly investigated your complaint, responded to the CFPB and made the following determination. On XX/XX/XXXX, Exeters records reflect that you inquired about making principal reduction payments. In response, Exeter advised that in order to have the full amount of the payment applied as a principal reduction, the account must be paid ahead three months. On XX/XX/XXXX, the account reflected as paid three months in advance. Due to a technical glitch, the funds were not applied according to the payment allocation schedule. XXXX has reviewed and confirmed that the account has advanced XXXX payments and currently there is a partial payment of {$520.00} that has had been applied towards the XX/XX/XXXX payment. In an effort to remediate the complaint, Exeter will manually reapply the partial payment of {$520.00} for XX/XX/XXXX, and apply it in full, as a principal reduction. Your next monthly payment will become due on XX/XX/XXXX. Any partial payment received between now and XX/XX/XXXX will continue to be applied as a principal reduction. As such, any partial payments received after XX/XX/XXXX will be applied as principal and interest payments until the XX/XX/XXXX payment has been completed. Once the XX/XX/XXXX payment has been completed, any additional monies received will be applied towards the principal reduction. If the account continues to be paid ahead by three payments, the principal reduction will continue. Please allow 48 to 72 hours for the system to update to reflect the adjustment. Exeter acknowledges that we failed to provide the best in class customer service and sincerely apologizes for the inconvenience this may have caused. Exeters success is based on customer satisfaction with our products and services, so the issues presented in this complaint are taken seriously and every effort is made to provide a prompt and equitable response. If you have any questions about these or any other concerns, Exeter encourages you to contact the Office of the President at XXXX. Sincerely, Office of the President Exeter Finance
03/21/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • LA
  • 71203
Web
On XX/XX/XXXX, I visited the XXXX XXXX dealership on in XXXX LA. XXXX was the salesperson assisting me with a XXXX XXXX XXXX. He gave me a price of XXXX being the sale price after discount but before taxes, my down payment, and trade-in, He presented me with a buyers order that ended with an amount around {$200000.00}, which included all taxes, fees, licenses, my {$500.00} down payment, {$2500.00} trade-in allowance. I was asked to sign that paper, then I was presented with another paper that offered payment options, of monthly note, and length of the terms swell as downpayment amount, which was different from the first one of the same kind he presented to me originally. I was attending my grandson party but had to make a run to XXXX, which is a bock after the dealership, which is how I spotted the XXXX. That being said, I told that to XXXX, and XXXX, the USED Car Manager, XXXX suggest my daughter take the car to XXXX. Immediately after our visit to XXXX, we went back to the dealership to return the vehicle as we had to go back to the party. However, XXXX suggested we take it to the party they will be working on getting the vehicle financed. We returned two times that night, but they were not able to find a company to finance the XXXX XXXX XXXX at that, but I was asked to sign some paperwork they needed so they could find a company to finance me. I was told that either, I will have to bring the car back, or the payment will be due on XX/XX/XXXX, because most payments aren't due for a while, but let get you financed first. The finance man did not give me any papers as I didn't have an approval at that time, I was told. Therefore, XXXX put a 5-day tag on the XXXX XXXX, on XX/XX/XXXX, and he repeated to do so 3 more times, for 3 weeks, as a result of not finding a financial copy to finance the deal. I never received any paperwork from the dealership, but last week, I received a welcome letter from Exeter Financial LLC., stating a payment of XXXX is due XX/XX/XXXX. My daughter, XXXX XXXX, went to the dealership asking for more information, they gave her a contract with the information I never received or known about. The XXXX was on its 3rd 5-day tag because XXXX kept stating they did not have a completed deal and could not provide a 60-day temp tag for the XXXX XXXX XXXX until there was a deal in place. Two days later after the 3rd 5-day tag expires, XXXX put a 60-day temp tag on back the window of XXXX. I called the finance company asking how they entered into this agreement without my permission, They never reached me to verify if I infect agreed to the terms and conditions of the erroneous contract. I have not been given the due process to either accept or deny the terms made between the dealer ( XXXX and or XXXX XXXX ) and Exeter Finance LLC. I'm requesting the due process to and requesting all fraudulent contracts be ceased and desist.
05/06/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • GA
  • 30341
Web
Back in XXXX I was made aware that Exeter Finance Corp reported my account delinquent 30 days or more past due for my XXXX & XXXX 2015 payment. I called and spoke with a CSR and through that conversation realized that they were missing a payment that I made. I was told that I need to send documentation of the payment being cleared. Within a week I sent in my bank statement showing the payment was made with my debit card and cleared. I continued to follow up on the status of the update for weeks and was unsuccessful. Thirty days past and finally I decided to report the company to the XXXX and I filed a complaint. After a couple back and fourth responses the company applied my missing payment to my Exeter Finance Account. As I was going through that ordeal the company again reported my account past due for XXXX & XXXX although I made my payment for XXXX was granted a three month extension for XXXX, XXXX and XXXX ( which I later found out was not true, I was only granted a two month extension therefore the CSR provided me false information ). I called again asking what was this about and was told this time that the wrong payment information was given and that my payment did not clear the bank. I have a letter from my bank as well as my bank statement for the month in question of the payment. Not only was there sufficient funds for the payment to have cleared the account, my bank has provided me with a letter stating that there was no attempt that came through from Exeter Finance to obtain payment. I repeatedly ask for Exeter to update my credit file as to not being past due because again as with my misapplied payment that caused this issue from the beginning there was clearly an issue processing my XXXX payment as well. I have been unsuccessful in getting this issue rectified. It is simply not fair that a company can make a mistake no fault to the consumer and there is nothing that the consumer can do to protect their credit history. I have actual documentation, all I have heard from them are words filled with inaccuracy but they have yet to provide me with the information of what account number they allegedly attempted to process my payment. It could have been a case of system or human error that process the wrong information, however that is no fault to me the consumer and I should not have to reap the negative consequence of it. I have the responses made from the company Exeter through the XXXX that are filled with errors of information of what took place and dates as well. I simply want the company to retract the reporting of XXXX XXXX payment being over 30 days past due. They have made several errors and this has gone way too far at this point with no resolution. In addition to all of this, after requesting a ledger of statement account of my payment history, it took the company over 45 days to send it to me. That was just unacceptable.
06/28/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • CA
  • 91932
Web
XX/XX/XXXX my father who is my co-signer filed bankruptcy. He DID NOT include my vehicle in his bankruptcy. My car loan company Exeter decided as of XX/XX/XXXX that they were going to report to the credit bureaus that my car was in my fathers bankruptcy. Also they put my account in their bankruptcy department refusing to give me any receipts of my payments and also not reporting to the credit bureaus of my payments Im making so my credit isnt getting any recognition of my payment history. Im the main applicant on my loan yet Exeter will not even recognize that and refuses to even change the lies they reported to the credit bureaus. I had filed a reaffirmation XX/XX/XXXX as asked by Exeter to get my car out of the bankruptcy status with Exeter but judge XXXX denied it because my car was not part of the bankruptcy so there was no point in a reaffirmation. As of XX/XX/XXXX my loan is now showing on my credit as closed discharged in chapter XXXX bankruptcy which is completely false. I have NEVER been late on a payment in fact Im a month ahead in payments. I gave a very LARGE down payment. I have reached out to Exeter countless times and they treat me as if I tried stealing my car like Im trying to get it for free through a bankruptcy always so rude and disrespectful to me. I have contacted my parents lawyers I paid them to file the reaffirmation and wasted that money being that there was really no need for it. The lawyers have argued with Exeter as well as XXXX who represented Exeter. I reached out to XXXX XX/XX/XXXX and was informed by XXXX that as of XX/XX/XXXX they no longer were representing Exeter and they cant help me fix the false information on my credit. XX/XX/XXXX my credit dropped 56 points the day Exeter reported my car was in bankruptcy status. Then XX/XX/XXXX my credit dropped 76 points the day they changed the report to discharged in chapter XXXX bankruptcy. This company has not only lied to credit bureaus but they have ruined my credit, they are lying saying my account is discharged in chapter XXXX bankruptcy, not reporting my payments to show good payment history on my credit, my credit score isnt going up at all from my good history with the company which is a huge reason when getting a car loan, also them refusing to give me receipts is pathetic, but how they speak and treat me is embarrassing especially when my account was never in my fathers bankruptcy. Exeter keeps telling me the only way to remove this now that the reaffirmation was denied and judge XXXX completely explained when it was denied was to refinance through another lender but I have tried and keep getting denied because the false information Exeter has put on my credit reports. When I reach out to the companys who I tried getting a loan through they explain because what Exeter has reported they cant give me a loan.
06/26/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
Web
In XXXX XXXX I called my Vehicle loan department to ask if they Allow me too Take the Vehicle out of Country? I advised them I was a XXXX Veteran Moving too the XXXX XXXX, I was told over the Phone by the Rep she would have to request for it and I should be notified. In XX/XX/XXXX I called again and they said the same thing? I called back XX/XX/XXXX and the Rep that took the call Advised me I could not take the Vehicle out of Country, I told the Rep Fine I am doing a voluntary surrender Please come get the car I am Leaving in XX/XX/XXXX she said Ok! In XX/XX/XXXX I called Again because I seen it still open on my credit report the lady said I had too fill out forms to turn the car Back In I told the Lady I was XXXX XXXX I was not flying all the way back to the United States to Fill out a Form to do voluntary surrender if that was the cause why I was not informed when I called in XX/XX/XXXX and XX/XX/XXXX?. The Vehicle sat in the Apartment complex for 6 Months the Finance Company to even tried to get the car I voluntary surrender because I was not allowed by the Contract to take it out of the Country! I called again in XXXX XXXX From XXXX XXXX to see if they got the car Yet? I was told no and asked me for a number to get in contact with me I gave them my Cell Number here in the XXXX XXXX. Like 2 Days Latter I had an Investigator call me asking me where the Vehicle was and he Was Hired by Exeter to get the car back! I asked him why they did not get it back in XXXX when I did I voluntary surrender! He did not know and asked me for my Help! I told him my Wife also tried to turn it in and was told I had to fill out paper work Too before they could take the Car Back. I told XXXX the Investigator that I would personal go back to Texas and See if I could help find the Vehicle and at this point I did not Know because my and my wife was going through a rough time and I had not spoken to her for 3 or 4 Months at this point. I told him I looked at my Credit report and did not like the Fact that they put Missing Payments and add more to the Payoff! He said he understands and I bought a ticket to Texas trying to find the Vehicle I called all over and no one had it towed I final got ahold of my wife and she told me she droped it off at XXXX in XXXX! She did not tell me which one since we have been fightting I Called XXXX the Invesitagtor right away to let him know of the Information I had and what I was doing to try and find out what Dealer at Car Max she droped it off at? I left Texas on XX/XX/XXXX. and Still very upset they I the Consumer had too spend all my savings to go back to the States in order to help this company that did not care about this in XXXX XXXX and who has Put missing Payments on my credit report add more money too pay off is Crazy!
11/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • VA
  • 23110
Web
On XX/XX/2020 I received a payoff quote from Exeter for my automobile and I used it to refinance the car with XXXX XXXX. My XX/XX/2020 Auto payment was due on XX/XX/2020 & XXXX told me car would be paid off by XX/XX/XXXX. On XX/XX/XXXX I contacted Exeter because the payment from Ally looked like it had still not been processed by Exeter & I did not know if sending a payment would interfere with that process, but I knew I was approaching 30 days late - I didn't know if I was still being held to that due date or if they were aware I had refinanced and they were processing the payoff already. I was unsure of what I needed to do. The representative I spoke to advised me she would place an extension on the account and as long as they received it by the end of XXXX, I would not receive a delinquency. Between XX/XX/XXXX and XX/XX/XXXX I Continued to receive collection calls from Exeter and on XX/XX/XXXX I called Exeter again and spoke with another representative. I explained the situation again and asked again if I needed to send a payment. The representative again said they would notate the account. The account was paid off in full on XX/XX/XXXX, but then the first week of XXXX I received notification that I was reported 30 days late for my XXXX payment by Exeter. I called Exeter on XX/XX/XXXX to dispute this with them, because surely this must be a mistake since I asked them how to handle this before I was 30 days late and they told me I would not be marked late if they received payment from Ally by XX/XX/XXXX and they received payment from Ally on XX/XX/XXXX. Exeter opened a dispute and I just received the results and they reported to me that they found they reported the 30 days late correctly. This is absolutely egregious. Exeter is a sub-prime auto finance company and I accepted them as my lender after a bankruptcy with the intention of working towards refinance. I worked hard for many months by paying on time to rebuild my credit and be able to refinance with a different company at a better rate, only for them to ding me as 30 days late after they told me how to handle my payoff payment with my new lender. That is absolutely unfair. Now when I attempt to purchase a house I will have a recent 30 day late on my credit that is inaccurate. I need this removed - it is absolutely incorrect and unfair. Exeter 's phone number is XXXX. I have attached our XXXX cell phone records that reflect the calls I made to exeter on XX/XX/XXXX from my husband 's cellphone XXXX and on XX/XX/XXXX from my cellphone XXXX. Had the representative that I talked to on XX/XX/XXXX at Exeter properly put in my payment extension OR properly notified me to make a payment despite the pending payoff, this situation would have been avoided.
06/30/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 94124
Web
Damages have occurred to me as the original creditor and consumer. I believe EXETER FINANCE CORP violated GAAP law. I want the details of the alleged agreement this institution wrote in accordance with GAAP. I want to know how my promissory note was purchased if a loan has been issued. I want the original promissory note to see the stamps, to see if the proper endorsed party is receiving payment. If the EXETER FINANCE lent their money to purchase my promissory note, then I am testifying that the bank violated the law- GAAP . Per GAAP and Federal Reserve publications, two loans were exchanged. I lent the promissory note to the bank that funded the loan back to me. The loan from me to the bank is the deposit of the promissory note. GAAP requires that the bank match a new bank liability with my name on it showing that the bank owes me for the deposit they accepted from me just like they do when I deposit cash into my checking account. Bookkeeping entries will say that if I withdraw my money the bank lent me nothing. The contract says the bank lent me money, but the bookkeeping entries say the bank accepted my promissory note as new money, as a deposit, just like depositing cash into your checking account. My signature can not testify that the bank lent me the banks money to purchase my promissory note, but the bookkeeping entries prove that they lent no money to purchase my promissory note. If I lent the bank money as a deposit, the bank accepted the money from me, the bank never gave up one cent of its money. The bank accepted money from me and deposited it which is the opposite of lending me money. If I lent the bank money and they never returned the same value back to me, then my note has been stolen and this contract is illegal. I Entered a dealership for a consumer credit transaction to extend credit to myself as the original creditor. I was misled as to who the original creditor would be. This contract was illegally assigned to EXETER FINANCE without my consent. No right of rescission paperwork has been conspicuously given to me and is not included in this contract. I was never given the option to include insurance in the finance charge. The finance charge is the sum of all charges and many misrepresentations of the finance charge is embedded in this contract. EXETER FINANCE committed fraud and identity theft. Fraud and identity theft renders any contract void. This contract is void. I claim full possession of the property, demand the pink slip mailed to me, all payments directed back to me by check and civil liabilities for federal law violations. I have a right to privacy and fair debt collection practices. My consumer rights are being violated.
06/30/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 94124
Web
Damages have occurred to me as the original creditor and consumer. I believe EXETER FINANCE CORP violated GAAP law. I want the details of the alleged agreement this institution wrote in accordance with GAAP. I want to know how my promissory note was purchased if a loan has been issued. I want the original promissory note to see the stamps, to see if the proper endorsed party is receiving payment. If the EXETER FINANCE lent their money to purchase my promissory note, then I am testifying that the bank violated the law- GAAP . Per GAAP and Federal Reserve publications, two loans were exchanged. I lent the promissory note to the bank that funded the loan back to me. The loan from me to the bank is the deposit of the promissory note. GAAP requires that the bank match a new bank liability with my name on it showing that the bank owes me for the deposit they accepted from me just like they do when I deposit cash into my checking account. Bookkeeping entries will say that if I withdraw my money the bank lent me nothing. The contract says the bank lent me money, but the bookkeeping entries say the bank accepted my promissory note as new money, as a deposit, just like depositing cash into your checking account. My signature can not testify that the bank lent me the banks money to purchase my promissory note, but the bookkeeping entries prove that they lent no money to purchase my promissory note. If I lent the bank money as a deposit, the bank accepted the money from me, the bank never gave up one cent of its money. The bank accepted money from me and deposited it which is the opposite of lending me money. If I lent the bank money and they never returned the same value back to me, then my note has been stolen and this contract is illegal. I Entered a dealership for a consumer credit transaction to extend credit to myself as the original creditor. I was misled as to who the original creditor would be. This contract was illegally assigned to EXETER FINANCE without my consent. No right of rescission paperwork has been conspicuously given to me and is not included in this contract. I was never given the option to include insurance in the finance charge. The finance charge is the sum of all charges and many misrepresentations of the finance charge is embedded in this contract. EXETER FINANCE committed fraud and identity theft. Fraud and identity theft renders any contract void. This contract is void. I claim full possession of the property, demand the pink slip mailed to me, all payments directed back to me by check and civil liabilities for federal law violations. I have a right to privacy and fair debt collection practices. My consumer rights are being violated.
07/31/2021 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • FL
  • 33321
Web
I was harassed and threatened by Exeter Finance LLC that my personal property ( vehicle ) would be repossessed. Several months prior to sending Exeter Finance Company some paperwork certified mail on XX/XX/XXXX I have been constantly harassed and threatened by phone from Exeter Finance that my vehicle would be repossessed. On XX/XX/XXXX I sent Exeter Finance LLC certified mail with the following documents, 1. Affidavit of truth, 2. A Debt Validation Letter, 3. A Cease and Desist letter, and some of the harassing phone calls records. As of XXXX XX/XX/XXXX. I havent received any response to the info that I sent them. On Tuesday XX/XX/XXXX around XXXX late evening my wife alerted me that some men were outside in my driveway getting ready to tow my XXXX XXXX XXXX. XXXX in color. I went out to see what was going on. The lead guy told me that the bank told them to come out and repossessed my vehicle. I ask the gentleman to see a repo order. He said he didnt have to show me anything. I also asked if he notified the local police. He then stated that I didnt have to notify them. I told him that I sent the finance company some paperwork, Notice to Cease and Desist, Debt Validation letter and and affidavit of truth. He stated He didnt care what I sent them. He was there to take the vehicle. I tried getting into my vehicle but prevented me from going into my vehicle as he and three other guys stood in front of my vehicle in my driveway. He said the only way that he would allow me into my vehicle is if I would turned over my keys to him. So in fear of not getting hurt from these four guys I gave him my key. He then towed my vehicle out of my driveway on the side of the road to let me get some of my belongings out of the vehicle. I got some of my belongings out of the vehicle. I also took of my license plate off the vehicle. I asked what repo company they work for but they never identified what company they worked for. They hook and chained down my vehicle and left the area. On XX/XX/XXXX I got a letter from Exeter Finance Company which says NOTICE FOR PLAN TO SEL PROPERTY. I called Exeter Finance on XXXX XXXX to ask if they got my certified mail which was signed for on XX/XX/XXXX. The representative stated that they have no records of getting any mail from me. I told her that I sent them certified mail containing 1. Affidavit of truth 2. Debt Validation letter 3. Cease & Desist letter and also all of the harassing records and as off todays date XX/XX/XXXX, I havent gotten any response regarding the matter. She didnt respond to the questions that I asked her. She hung up the phone after I got through asking questions.
01/19/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • OH
  • 45238
Web Servicemember
On XX/XX/XXXX and possibly XX/XX/XXXX ; I contacted Exeter Finance regarding my payment I made of {$660.00}. I was told by the Exeter Finance customer service representative that Exeter Finance had received my payment and it was good and I was not late on my XX/XX/XXXX payment. On XX/XX/XXXX, Exeter Finance sent me an email stating my payment did not clear. I immediately paid {$600.00} on XX/XX/XXXX via the Exeter Finance website and it cleared with my bank. I had the money in my account so I do not understand why the first payment did not clear my account. I checked my credit report and saw that it stated that I had a late payment on XX/XX/XXXX and my credit score decreased. When I contacted Exeter Finance, they told me I was late on XX/XX/XXXX and I explained to them that Exeter Finance told me on XX/XX/XXXX that my payment was not late. I continued to call Exeter Finance between the dates of XXXX XXXX XXXX speaking to them about removing the late payment for XX/XX/XXXX from my credit report. On XX/XX/XXXX ; Exeter Finance decided to give me an extension for XX/XX/XXXX and also said that because they gave me the extension on XX/XX/XXXX it was too late to remove the late payment for XX/XX/XXXX from my credit report. I have been making my payments on time for over a year despite the fact that I'm unemployed. Every time I spoke to an Exeter Finance customer representative, I explained to them that I am currently unemployed and I only get paid once at the end of the month ( payment on the XXXX of each month ). I have requested Exeter Finance to remove the late payment for XX/XX/XXXX from my credit report because I was told by Exeter Finance that my payment was not late. Exeter Finance waited until XX/XX/XXXX to inform me that my payment was late. If Exeter Finance told me on the XX/XX/XXXX phone call that my payment was late, I could have made the payment on XX/XX/XXXX and not been late. I continued to call Exeter Finance between XXXX XXXX XXXX to get the late payment removed from my credit report. On XX/XX/XXXX, Exeter Finance gave me an extension for XX/XX/XXXX and show it as current on my Exeter Finance account but it shows late payment on my credit report. Exeter Finance will not remove the late payment for XX/XX/XXXX from my credit report because Exeter Finance waited until XX/XX/XXXX to give me an extension for XX/XX/XXXX. Exeter Finance told me that because I received the extension on XX/XX/XXXX it was too late to remove the late payment from my credit report. I had called Exeter Finance between the dates of XXXX XXXX XXXX to get them to remove the XX/XX/XXXX late payment from my credit report.
06/07/2017 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Problem with the payoff process at the end of the loan
  • CA
  • 94545
Web
I had a car loan from Exeterfinance company. I payoff my car loan at last Wednesday ( XXXX XXXX ) and I called and required Exeterfinance company to release my tittle ASAP. The customer service told me they already submit my reqeatment and I will be able to go to DMV to get my title around Friday ( XXXX XXXX ). Then I went to DMV on XXXX XXXX to get my title but I was told by DMV that I need to call Exeterfinance company to release my paperless title in order to process my title. I called Exeterfinance company at XXXX and I talk to the customer service representative XXXX tell her I need them to release the paperless title for me. She said her already submit my case I will be able to get a fax about the release paperless title in next few hours. Therefore I was waiting for the fax from XXXX to XXXX after that. But utill XXXX I still did not receive the fax then I called the Exeterfinance company again at XXXX this time the customer service told me usually the fax will takes 24hours to finish they are sorry for the incorrect information etc. I was very upset, disappointed and frustrated. That was my fourth call to require my title release after I payoff my loan and they keep lie to me. This is unbelievable, unprofessional, and incredible. But I have anything to do just keep waiting until today after 36hours they told me I will be able to get the fax about they release my title but I still did n't receive the fax. Therefore I had to call them again this XXXX. I called three times the first two time they were very rude they said because I 'm in California so I will not be able to be release my title until 10-15days. Then I told them to listen all the phone calls I had make in the past days and they will know what representatives were telling me about the lien release and what did they promise me when I am going to get my lien releasing documents and I also told them I want to record the phone call in order to save evidences that to protect my rights. After I said I want to record the phone call the manager she hung up my phone call right the way. I was shock and sad. How can they treat the customer this way? I 'm in California that I can get my title release even fast via the electronic system which was the DMV told me the Exeterfinance will be able to release the paperless title for me right the way. I just need my title back after I payoff my loan. How can they not willing to do it and keep lie to me? I hope someone from the Government can help me with this. I need to get my title back I 'm living in California state. I have the right to require my title back after I payoff my loan. Thank you.
05/18/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 94124
Web
On XX/XX/2021 I mailed ( mail number XXXX ) an affidavit of truth stating facts, under the penalty of perjury, what consumer violations EXETER FINANCE committed. I also requested Debt Validation pursuant to 15 USC 1692g, an audit trail according to GAAP standards, a Cease and Desist letter pursuant to 15 USC 1692c, and exhibits that displayed only a few of the many EXETER FINANCE VIOLATIONS. I filed a CFPB complaint ( XXXX and XXXX ) and an FTC complaint ( XXXX ) in regard to this matter. I filed a complaint with the OCC ( Transaction ID : XXXX ) as well.The mail I sent to EXETER FINANCE was received on XX/XX/2021. EXETER FINANCE did not validate the alleged debt whatsoever. They still have not produced any documentation, contract or agreement that validates this alleged debt as of XX/XX/2021. They violated my Cease and Desist by not only calling me at unusual times and places, but also leaving me voicemails using profane and obscene language. My phone number is in the do not call registry. EXETER FINANCE mailed me postcards and billings to my personal address after receiving the cease and desist letter. and EXETER FINANCE further infringed upon my natural born consumer rights by still reporting to consumer reporting agencies in violation of the cease and desist and without validating this alleged debt. It has now been almost 60 days to which this company has been notified of their violations and instructed in my enforcement as the consumer and original creditor. They refused to provide paperwork for the rights to rescission as outlined in TRUTH IN LENDING ACT. There is no contract or agreement between myself and EXETER FINANCE. They stole my identity, committed fraud and are illegally billing me without my consent. They are in violation of 15 USC 1601 TRUTH IN LENDING ACT, 15 USC 1681 FAIR CREDIT REPORTING ACT and the 15 USC 1692 FAIR DEBT COLLECTION PRACTICES ACT. If EXETER FINANCE feels otherwise then they should have the President, owner or major shareholder swear under the penalty of perjury that what is true or untrue. It has been past 30 days without validation and the infringement of my rights continues to this day and is causing me great pain. EXETER FINANCE recently reported to the credit reporting agencies and defamed my character in direct violation of federal law. I have a right to privacy, fair, accurate reporting and fair debt collection practices. I demanded proof to this alleged debt, to which nothing has been provided. EXETER FINANCE is blatantly, and unequivocally, disregarding federal laws, being willfully non-compliant and being grossly negligent in many instances.
02/03/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43227
Web
I have carefully reviewed my credit report and notice there were some accounts that are not mines, inaccurate and will need to be removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Here are the inaccurate accounts : Exeter Finance, LLC. # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, # XXXX ), XXXX XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX ), XXXX XXXX XXXX ( # XXXX, # XXXX ) XXXX XXXX XXXX # XXXX, XXXX. XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX Bur # XXXX. Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX Solutions # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX ( # XXXX, # XXXX, XXXX XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to report to my credit report 2 times is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization.1. Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you. I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX Ct XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Unknown inquiries : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/07/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • CA
  • 91405
Web
According to California Law my the repossession that took place by Exeter Finance was illegal. Exeter Finance violated law by breaking into a my locked garage, and that makes it a wrongful repossession. I woke up on XX/XX/XXXX on my way to work and realized my vehicle was gone. Because the garage is locked and you must have a remote to enter I immediately called my office and asked was my car towed for any reason. I was told no. I immediately called Exeter Finance to see if they towed my car and I was informed it was reposed and I was given an address where I can retrieve my belongs. I updated my address on file with Exeter ( The same address that they took the car from ) I was told I would receive something in the mail on how to move forward. I never received any call or mail. I call Exeter in XX/XX/XXXX to see if there were any updates and I was told my car was not sold. I informed Exeter that I had not received any mail and verified that they had the correct address. In the end of XX/XX/XXXXI received a update on my credit report that the balance had decreased I assumed the car was then sold, the balance decreased from {$12000.00} to {$10000.00} -- - so apparently the car I was paying {$12000.00} was sold for somewhere around {$1500.00}. Again I never received any notices or phone calls. I was never given the opportunity to cure my debt after repossession, I was never given the opportunity to buy back the vehicle nor was I given any information about the sale of the vehicle. I again called to see if my information was correct and to see what the status was and I was told that according to the system my car was not sold. In XX/XX/XXXX I received another update to my credit report stating the account was closed and charged off as bad debt. I immediately wrote a letter to Exeter asking for documentation of any correspondence and asking why I was never contacted due to the fact I got no response with the phone calls I wanted to document it this time. I sent a certified letter in XX/XX/XXXX that was received and today is XX/XX/XXXX and I have yet to receive any letter or phone calls from Exeter. According to the state of California Exeter has violated my breach of peace, I was not given the opportunity to reinstate the loan per California law. I was not given or sent any post repossession notices. Exeter has not communicated with me about this situation yet they keep re-aging the debt on my report the last updated on my credit was XX/XX/XXXX after the letter I sent them was received. This situation has cause me great stress and turmoil.
02/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AZ
  • 85004
Web
Exeter Finance has continued to be untruthful about the status of my account by reporting that there is a balance due of {$1600.00} and that the account is in a charge-off status. The account was settled in full last year in XX/XX/2020 and I was told it would take time for the status to update on my credit report. I called back to follow-up on the status of my account about every two weeks since then and was told to keep waiting as the account would be closed. After two months, i disputed the account as inaccurate status with the XXXX credit bureau and had to wait 30 days for the investigation to take place. 30 days later the investigation was complete and they were able to confirm with Exeter that my account was still active and that I had a balance of {$1600.00} due immediately and the account was charged off. All of this was continuing to be updated monthly on my credit report even though we had an agreement in place and they already took my money. I continued to call every other day in XXXX to ask why this was being reported when we had an agreement in place and the account was already settled. I finally spoke with someone who acknowledged that the account should have been closed out in their system long ago, but they could not tell me why this was the case. It took them getting a manager involved ( XXXX XXXX ) to comprehend their own information showing the account should have been closed already. I was then able to request a letterhead proof of my account status be emailed to me since they offered nothing and I had to ask for everything myself. The manager ( XXXX XXXX ) called back a week later to thank me for my time. The damage has already been done to my credit as I have a job that requires I do not have unexplainable debt on my credit report and I am now without a vehicle since I am not able to obtain a new vehicle loan due to apparently still owing Exeter Finance for a vehicle that was totaled over a year ago in a hit and run accident, which they for some reason were also not trying to collect and never reached out to me to pay this mysterious past due balance. I fail to understand why I had to invest any time at all into this situation and was not given any explanation as to why this occurred. As of today, Exeter is still reporting inaccurate information to my credit report simply because they are allowed to as that is how the system is designed to work. Whatever the creditor states must be accurate, so I unfortunately have to face the consequences of their lies and jump through hoops in an attempt to resolve their errors.
04/16/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • CA
  • 92376
Web
I submitted a complaint on XX/XX/XXXX after speaking with a representative, and asking for a settlement, they refused, then responded to my complaint stating they extended a settlement offer, however they have not tried to contact me once since the initial date in which I spoke with them, they then responded to my initial complaint stating to contact them to finalize the settlement offer of XXXX approved on XX/XX/XXXX per their response to me via this portal, and they refuse to have anyone call me back. I called XX/XX/XXXX, never received a call back on XX/XX/XXXX as stated in their previous response. I called XX/XX/XXXX after reading their response to CFPB, and was told i would receive a call back, and never did. I am now on the phone XX/XX/XXXX at XXXX PST and was told I will receive a call back, but they have no idea when I will. I just want to pay the {$11000.00} they agreed upon in my previous complaint, but they have sent no formal settlement offer to my email address on file, nor have they tried to call me at XXXX - I am asking for them to send me via email to XXXX or XXXX a copy of settlement offer, and allow us transfer funds, or set up a payment immediately to finalize settlement offer. Original complaint below XX/XX/XXXX Purchased vehicle for XXXX, at interest rate of 19.35 % with sub-prime lender Exeter Finance, located in XXXX Texas, Promised by finance officer that we would be able tor refinance, however actual value of vehicle was never the amount that was listed, and due to several mechanical issues, and failure with engine, it made it impossible to refinance this vehicle. Requested assistance XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and no options made available by Exeter and was told I would have to complete 72 payments on original contract and there is no reprieve that can be provided, even based on the current value of vehicle. Current vehicle is worth less than the settlement offer, they have received total payments in the amount of XXXX well exceeding the amount of the loan originally financed, and am hoping they will take the little amount I have and settle on this debt so i can move on with my life. This is a predatory loan, with no exit. Refinance, is impossible as it would require the difference of what is owed on this underwater XXXX. I have done my best to comply with the awful interest on this loan, despite now being qualified for better financing, and a better rate on a brand new vehicle, however the purchase of this vehicle and terrible interest haunt me.
10/22/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • OH
  • 44128
Web
Exeter Finance charged me an extra {$140.00} on my XX/XX/XXXX car payment. My monthly payment is {$390.00}. XX/XX/XXXX was {$510.00}. I made a double payment in XX/XX/XXXX to make sure it was caught up, the amount owed in XX/XX/XXXX was {$790.00}. So on XXXX XXXX I paid {$400.00} and on XXXX XXXX I paid {$290.00} ... .zero balance. When I called today XXXX XXXX to inquire why I was being charged, one lady asked if the car was repossessed or impounded. I told her no. Then she transferred me to someone else who stated the car was repossessed or had have been impounded. Again I said no. I told her that I have set up an auto withdrawal for XXXX/XXXX/XXXX to pay for XX/XX/XXXX and XX/XX/XXXX car notes but wanted to know why my told bill is {$920.00}. She told me she was unable to see my XX/XX/XXXX payment or bill so she was not able to say rather or not I paid {$790.00} ... .I was looking at both online. When I told her I was looking at my payment history she then stated that when you call in your payments they do n't tell you you owe late or misc. fees. When I said I only pay on line she switched and said the online account does not tell you about late fees. When I told her I 'm again looking at the payment screen which tells me of these extra charges that was also calculated into the amount due she told me no it was not showing me that. I then told her that I always pay the late fees and this was the first time in 2yrs they 've ever done this. She then said the {$140.00} fees were an accumulation of unpaid late fees. The more I continued to ask she then told me I was not listening and would not let her talk. She continued to repeat herself over and over never explaining why I have been charged extra. I have all of my bill statement and took pictures of the payment history since XX/XX/XXXX ... .if you try to print the pages are blank. I also recorded this conversation. This is the second time they have taken advantage of me. A few months ago they took an extra {$790.00} out of my account after I paid {$790.00}. There were XXXX different dates and confirmation numbers. When they acknowledged they took it out they blatantly refused to return the extra money and my bank had to reverse the payment. I am terrified this company will do something tragic to me regarding my car and finances ... ... based on their actions. Please investigate them. Their are others they are hurting and I may have to end up suing them for fraudulent charges they can not prove otherwise. Thank you
04/01/2022 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • CA
  • 90813
Web
Notice of billing error ( XXXX XXXX XXXX ) Was sent of to Exeter Finance XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX I have noticed several billing errors in the Truth-in-Lending disclosures section of the Retail Installment Contract and Security Agreement. The first one being the number of payments as well as the number of payments seems to be inaccurate on the Payment Schedule. XXXX XXXX XXXXXXXX ( d ) which describes a purchase money loan in regards to the truth in lending disclosure is defined as : A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation z, which is applied, in whole or substantial part, to purchase of goods or services from a seller who ( 1 ) refers consumes to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. Under regulation Z also known as truth-in-lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me. The next billing error is the down payment on the itemization of amount financed. Is in violation of XXXX XXXX on the Contract bill state that XXXX was the Buyer and the Creditor XXXX ( c ) The down payment may not include any trade-in, discount, rebate, credit, deferred payment, post-dated check, or promissory note to the supplier or contractor. The next billing error can be seen on the amount of credit provided to me or on my behalf. There is no authorized representative other than the appointed attorney-in-fact by the consumer to receive any credits on behalf of the consumer. I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ). These billing errors may be assumed to be a willfully intent on misleading and or deceiving the consumer of the character/ amount of any debt XXXX XXXX XXXX XXXX. All debt obligations and securities are owed to the United States XXXX XXXX XXXX. they had also close my account in XX/XX/2022 i sent several notice before i had demand a validate my debt to see both-side of the ledger, RESIND my signature i was told that i cant get those in formation by mail. So i am demanding for this to be remove off all XXXX my Credit Bureau before there was at fault in every way. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]
07/08/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • SC
  • 29706
Web
This is the 2nd complaint that I am submitting against this company. I received a message from my lifelock acct that Exeter Finance has placed a late payment for the month of XX/XX/XXXX on my credit report. I have never been late with making any payment to this account. I have issues with the company ever since the total loss of this car XX/XX/XXXX. ( you can reference my previous complaint that was filed about two weeks ago ).

This letter is in regards to the late payment that Exeter Finance is showing for XX/XX/XXXX. I have never been late paying my car loan with Exeter and I have the documentation attached to support this error. On XX/XX/XXXX, I totaled loss my XXXX XXXX XXXX. I had full coverage with XXXX XXXX as well as GAP coverage with XXXX XXXX. My insurance company sent in a payment to Exeter for the amount of {$13000.00} ( which is the amount they stated the car was worth ). This payment was received by Exeter the end of XX/XX/XXXX. My XX/XX/XXXX payment was due on XX/XX/XXXX I was advised that even though they received a payment from my insurance company I would still need to make an XX/XX/XXXXpayment. On XX/XX/XXXX I made that XX/XX/XXXX payment. After I made that payment, XXXX XXXX them sent another check in the amount of {$690.00} ( see attached ). My GAP company then submitted another payment for the remaining balance of {$3200.00} on XX/XX/XXXX and it was received by Exeter on XX/XX/XXXX. Exeter did not apply that payment until XX/XX/XXXX after I had to file a compliant and escalate this matter to the Office of the President for Exeter. They stated that because of all the payments that have come in, they need to remove the payment I made on XX/XX/XXXX, the payment that XXXX XXXX send for {$690.00}, and the GAP payment of {$3200.00} because they needed to apply the GAP payment first because they could not charge interest on that payment. This has been a nightmare dealing with Exeter. I received an overage payment from Exeter on XX/XX/XXXX in the amount of {$1100.00} for an overage. Not one time have I reached a 30 day late mark with Exeter and the paperwork attached is here to prove my case. This is only reporting on my XXXX credit report and it has cause my credit score for XXXX to decrease by over 50 points all because of their horrible computer system and their negligence. My credit score need to have the 50 points added back and that negative late payment removed ASAP. Thanks, XXXX XXXX

07/23/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • AR
  • 72202
Web
Exeter finance has now lied XXXX times they refuse to fix anything they mess up and dont honor anything they say first in XXXX on XXXX/XXXX/2015 they said I could do a two month deferral just fill out a form and return it by email filled it out sent it in got a call saying they do n't accept e-signatures ( even though they are legal 15 U.S. Code Chapter 96 - ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ) but fine I resigned it with a LIVE signature logged back in to their secure messaging portal and sent it back in BEFORE the expiration date of the offer. I got some money and made a payment so I assumed I was AHEAD since XXXX months were deferred then a few months later I get a call they say I am past due by way more than would be possible I explained the situation and the rep says they never got the live signature form ( have proof it was in fact sent successfully ) but if I make just XXXX payment we can do a new deferral and all will be well again, this time no form is ever sent they collected the payment customer service now says im not eligible for the deferred payment agreement and must pay now to avoid repossession I pay them again explain that I was on unemployment and that billing me in this manner does nothing more than keep me behind and make it impossible to catch up I was now demanding they correct the XXXX previous deferrals THEY promised and no one could help not customer service not a manager NO ONE XXXX rolls around and I am past due now I have had nothing but unemployment for XXXX months but I advised them I was starting a new job on XXXX/XXXX/2015 the lady tells me again just make a payment call back in tomorrow and ask for the deferral and you will be current and can finally get back on track I gave them the last of my money as in my grocery money my gas money everything I had to make a payment I call the next day and the rep says well now you have a payment due because its your due date and you ca n't get a payment deferral unless you make ANOTHER payment I have nothing he tells me they dont have to honor their word because thats just their policy. On top of this fiasco they charge outrageous interest to the poorest customers college students like I was when the loan originated and that is just absurd we need help more than anyone so if you 're going to make us your target audience you need to be willing to work with the financial situation you KNOW we are in from day XXXX.
10/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 20774
Web
My name is XXXX XXXX and I received an adverse action letter from Exeter Financial. The letter states that Exeter is unable to approve financing for me, using information from a credit application that was done through XXXX. According to 15 USC 1691 ( a ) ( 3 ), it is unlawful to discriminate against an applicant with respect to ANY aspect of a credit transaction and because the applicant has in good faith exercised ANY right under the ECOA. This is even stated on the letter at the very bottom. I also noticed the part where it mentions a credit application. Credit and loan are not the same nor do they have the same definitions. A loan application is applying for a loan ; financing. A credit application is applying for credit. Pursuant to 15 USC 1602 ( f ), credit is defined as the right granted by a creditor. So if I filled out a credit application, why is there a mention of financing approval? Included in that application was my social security number. Obviously thats how my consumer report was pulled. Pursuant to 15 USC 1602 ( l ), a credit card is defined as ANY card, plate, coupon book, or other credit device used for obtaining money, property, or services ON CREDIT. If I am not mistaken, my social security card is indeed a credit card. So in order for Exeter to EXTEND credit, there needs to be a source of credit. That source is my social security card. In turn, making me the creditor. So theyre falsely claiming that they extend credit when thats not the case whatsoever. They are taking my credit source and denying me of my own credit based on information that is not verified. Finally, in the letter Exeter states that if they obtained information from a consumer reporting agency as part of their consideration, they will list the agencys information, which they did. Now the proceeding sentence states that the reporting agency played no part in Exeters decision and is unable to provide specific reasons for the denial of credit. According to 15 USC 1681m ( a ) ( 3 ) ( B ), the latter of that statement is correct but to say that the consumer reporting agency played no part is completely false and contradicting of the previous sentence. It also clearly states that Exeter obtained my credit score from this consumer reporting agency and used it in making our credit decision. So it seems as though the consumer reporting agency did in fact play a part in Exeters decision.
12/23/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • PA
  • 19143
Web
My issue is with my current finance company Exeter Finance. I purchased a vehicle XX/XX/2015 from XXXX which was to be financed by Exeter finance company. I returned the vehicle the same day because I was having issue before I could get it home and I got another car financed through Exeter. XXXX sent the funds for the first car back to Exeter via ACH as they should XXXX/XXXX/XXXX, however I did not know until recently that Exeter Finance put the original loan for XXXX on my credit report ( which is incorrect ) along with the current loan that I have. I am having issues with the car that I kept a XXXX Chevy Equinox and went back to XXXX XX/XX/2015 and purchased another vehicle that I returned the next day. XXXX sent those funds to Exeter Finance on XXXX/XXXX/XXXX as required under the return agreement. Exeter Finance also has that loan for XXXX on my credit report ( which is incorrect also ) as well even though they received the funds via ACH from XXXX. Neither of those accounts, XXXX and XXXX, should be on my credit report and they are not removing them. I have called numerous times to no avail. They are not taking this issue seriously and they do not care that they are destroying my credit score and it appears that I have XXXX loans with them totaling over XXXX when I do n't. I have XXXX loan with them for about XXXX. I spoke with Transunion and was told I should not have to dispute these that Exeter can remove these mistakes ( THEIR MISTAKES ) the same way they put them on there. I am exhausted trying to get someone else 's mistake removed. My current car financed through Exeter is shutting off while I am driving which XXXX extremely dangerous and scares me as I have XXXX children. I have gone through the expense of renting vehicles to have something safe to drive as I have physical limitations and I need a reliable car. I can not purchase another car until Exeter removes the FALSE loans from my credit report. Can you PLEASE help me get a resolution to this issue? I have called the corporate office only to be sent to a voice mail. I am not understanding why that would be the case during business hours and that is not the first time I called. Again can you please help me resolve this issue? Thank you in advance for any help you can offer me in this situation as it seems Exeter has no intention on resolving this issue and rectifying THEIR mistake. Thank you
03/29/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MO
  • 63101
Web
On XX/XX/2016, - a notice of direct dispute was sent to your agency with regard to the above numbered account for XXXX XXXX XXXX. Within that notice it was specifically delineated that Exeter Finance is reporting inaccurate information to all XXXX Consumer Reporting Agencies ( XXXX/XXXX/XXXX ). Particularly, the dual reporting of a single numbered account ( see above ) ; the inaccurate reporting of monthly payment amounts received by Exeter Finance ( XXXX statement-see attachment # 1 ) ; and the inaccurate 'amount owed ' from receipt of said payments. 2. On XX/XX/2016, - Exeter Finance acknowledged " an update was required for the information reflected '' on each Consumer Reports ( Exeter Letter-Attachment # 2 ). However, upon subsequent review of Exeter Finances reporting -- XXXX different postings of the same numbered account are showing ; and the inaccurate annotation of the 'amount owed ' from receipt of payments is still present ( See trilateral report-Attachment # 3 ). 3. To date, Exeter Finance has received payments totaling {$2900.00}, which were to be applied wholly to the principal of the original loan. The original loan amount for this numbered account is {$17000.00}. Therefore, the accurate reporting of said numbered account should be {$14000.00}. 4. The Retail Installment Contract and Security Agreement ( Contract ), Sales Agreement Section states, " You promise to pay us the principal amount of {$17000.00} plus finance charges accruing on the unpaid balance at the rate of 26.00 % per year from the date of this Contract until paid in full. Finance charges accrue on a 365 day basis '' ( Contract-Attachment # 4 ). However, on each monthly billing report it states that the finance charge has a " daily '' accrual. This directly violates the terms of the signed contract. 5. Title 16, Chapter 1, Subchapter F, Part 660 expressly prescribes the 'Duties of Furnishers of Information to Consumer Reporting Agencies : 660.4 ( e ) Duty of furnisher after receiving a direct dispute notice ... ( 4 ) If the investigation finds that the information was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher accurate.
10/05/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 10465
Web
Exeter finance is intentionally violation the FTC FCRA rules by intentionally reporting balance inaccuracies to the credit bureaus. I have disputed the balances and the status of the account multiple times and Exeter returns with a difference balance that they intentionally know is incorrect in order to impact my credit. The account is reporting in a charge off status, each month they report the account as a charge off, however, the balance is incorrect, the date of initial delinquency is incorrect and the account is managed/sold to XXXX XXXX, who contacts me about the balance. Per their website the balance remaining on my account is {$14000.00} as of XX/XX/XXXX. The terms is reporting as 73 months and not 72 months per my Exeter statement. I disputed the balance in XX/XX/XXXX and they returned stating the balance is {$21000.00}. I disputed the balance again in XX/XX/XXXX, on one credit bureau report they stated " Account charged off. {$24000.00} written off. {$21000.00} past due as of XX/XX/XXXX '' to XXXX. The statement of {$24000.00} being written off is a factual inaccuracy and it is the obligation of the creditor to report factual information or delete, update or remove the account. Per my Deficiency letter dated XX/XX/XXXX, the vehicle was sold for {$10000.00} with all of their fees the deficiency balance is {$17000.00}. Again, this was dated in XX/XX/XXXX which means all of the reporting after XX/XX/XXXX with the inaccurate balances was based off of inaccurate information from Exeter. An intentional effort to report false information and a clear example of Exeter failing to abide by the FCRA rules. Again, I have disputed this account for years, at each attempt at disputing the balance is returned with a different amount which is in violations of the FTC FCRA 623 ( b ) ( 1 ) which states If a CRA notifies you that a consumer disputes information you provided, you must : investigate the dispute and review all relevant information provided by the CRA about the dispute ; report your findings to the CRA ; provide corrected information to every CRA that received the information if your investigation shows the information is incomplete or inaccurate ; and modify the information, delete it, or permanently block its reporting if the information turns out to be inaccurate or incomplete or cant be verified. FCRA 623 ( b ) ( 1 ).
09/06/2017 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 76039
Web
I previously disputed a reporting error with Exeter Finance due to a banking error. Exeter was gracious enough to update my credit report for XX/XX/XXXX per the response provided below. However, each credit agency is now reporting that my loan was delinquent for the XX/XX/XXXX payment when in fact, I was only 18 days delinquent once the XXXX payment went through. Exeter approved me to have a modification of my loan through the XX/XX/XXXX payment for the XX/XX/XXXX that will be paid on or before XX/XX/XXXX, which is within 30 days of that payment being due. I am not sure how they fix one issue and report I am delinquent on another month when that payment was due XX/XX/XXXX and it was made on XX/XX/XXXX, which is within 30 days of the due date. I am confused how a payment made before it was even 30 days late it reporting on my credit report as a 30 day late payment. Company 's response in prior compliant # XXXX : Your account was 48 days past due for the XX/XX/XXXX payment when we received your payment on XX/XX/XXXX. As a result, you were accurately reported delinquent for this payment. In your complaint, you stated an email was forwarded to our office on XX/XX/XXXX regarding your bill pay. We are unable to locate a record of this email ; however, in compliance with FCRA laws, credit dispute investigations may take up to 30 days to complete. We appreciate your efforts to make all payments in a timely manner. Based on this complaint, we have agreed to remove the late mark that was caused by your banks processing error. We have updated our internal records and provided the corrected information to the credit reporting agencies. Please allow up to 30 days for this update to reflect on your credit report. Our records indicate your account was placed in a cease and desist status in XX/XX/XXXX based on CFPB complaint XXXX. To remove this status from your account, you may fax or email a written and signed request directly to the Office of the President at XXXX or XXXXXXXXXXXX. Our success is based on customer satisfaction with our products and services so we take the issues presented in this complaint seriously and make every effort to provide a prompt and equitable response. If you have any additional questions about our response we encourage you to contact the Office of the President at XXXX. Sincerely, Exeter Finance
10/31/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • OK
  • 74136
Web
Please accept as addendum to XXXX # XXXX. I previously submitted a complaint regarding my payment history over the life of an auto loan with Exeter Finance Corp. The complaint was submitted to Exeter Finance by CFPB on XX/XX/XXXX. The substance of my complaint regards conversations with Exeter Finance XXXX employees providing me inaccurate information regarding the loan - particularly on XXXX occasions I applied to defer XXXX payment each to the end of the loan however Exeter XXXX 's state each Deferment represented XXXX payments each. When provided the Deferment information I disagreed with the info and both Exeter XXXX 's then stated my account was past due for the previous or XXXX previous months which is also inaccurate - the XXXX 's both confirmed payments were paid as agreed for the previous and preceding month for each Deferment but continued to insist their information was valid by stating the account was past due for some other month which was also incorrect. In addition when I purchased and signed the XXXX in XX/XX/XXXX the financing arrangements were made by the dealership and I was quoted an interest rate of 20.99 %. The cost of the vehicle I purchased was {$12000.00} - the amount financed for the vehicle was {$10000.00} - I paid {$500.00} down in cash and traded in a XXXX XXXX XXXX in good condition. I was not told by the dealership the value of my trade-in. As of XX/XX/XXXX I have paid XXXX total payments. At the end of the loan I will have paid {$15000.00} and with the final XXXX ( XXXX ) payments due to pay the loan in full the interest rate is actually 50 % - not 20.99 % as stated in the XXXX On XX/XX/XXXX I spoke with an off-shore XXXX XXXX who stated if a payment is " late '' the full payment is applied to " interest '' - not the loan itself which does NOT explain a 50 % interest rate charged from XX/XX/XXXX until the date of the first late payment on XX/XX/XXXX. In addition both the Dealer and Exeter Finance Corp were aware the vehicle - XX/XX/XXXX XXXX XXXX - was a salvage title vehicle or ineligible for resale due to a malfunction of the vehicle 's passenger side airbag that was the subject of a XXXX recall in XX/XX/XXXX. I was not informed of the serious nature of the vehicle 's airbag status because I have never been provided title to the vehicle.
09/16/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MS
  • 39272
Web Servicemember
I applied for a car loan with Exeter Financial on XXXX/XXXX/2014 which the application was approved for financing on or around XXXX 2014 which I was told my first payment would be due on XXXX XXXX, 2014 and that the payment due date would bbe the XXXX of each month thereafter. The company asked me to sign up for automatic draft and I agreed ; however, the company started to withdraw funds from our account prior to the due date and charged me both late fees and nsf fees along with numerous fees that I incurred from my financial institutions due to the pre-withdrawing of funds. I had a very difficult time trying to get the representatives to explain why my account would be in the behind and to help me make sense of where we went wrong. The customer service team was very hard to work with and would not explain to me anything and refused to gge me anything in writing concerning my account. I contacted the company in XXXX to ask them foran extension because my mother 's XXXX had returned and my family was devausted so the company advised that I had a two month extension which would modify my payment to reflect these payments due at the end of the loan. I never received the modification agreement neither did I receive the extension terms and agreement. I have requested this information on several occasions and they will not send me a copy but has show my account in the negative after explaining to me that the extension would not have any negative impact on my credit profile. I finally spoke with a representative that put a request in the system for me to receive a copy of my pay history and I notied that the company had several late fees and many early withdrawals that they attempted to make and charge my account for. I asked the company to launch an investigation on the account and they advised that the credit department would contact me within 72 hours and when I did n't hear from them I attempted to call and speak with the department todi discuss the matter at hand, which they refused to allow me to speak witht he department and told me that the findings were still the same and that they could n't help me. I akde them could I speak with management and they told me that each account representative manages the accounts and that this matter is closed.
01/17/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • MD
  • 20744
Web
All of my detailed information is attached to this complaint. During this whole ordeal I ca n't understand if a debt was paid-in-full due to a total loss claim, HOW does a company consistently accuse you of still owing, keep this mis-information on your credit reports in their alleged justification and refuse to admit that the accounting fault is the fault of the company for how they handled the pay-off settlement for this loan. I should not continue to have my credit scores damaged because this company is determined to penalize me for not being able to collect 5 years of high interest rates for the loan I had with them. At the time of the loan I entered a second chance loan agreement at 24 % interest for 60 months. However, because the vehicle was totaled when an act of nature occurred ( I unavoidably hit a dear in the midst of an Ice storm. Prior to that I was forced into a bankruptcy in order to save my home from foreclosure ; of which all of my debts had to be included in this filing. Since this company fell under that jurisdiction they were listed, BUT EXCLUDED from the original proceeds because I agreed to pay them separately to maintain my credit under the second chance program. However when all of this happened, they tried to use the bankruptcy status to justify why they kept accusing me of still owing them money - '' AFTER THE ACCOUNT WAS PAID IN FULL!!! '' Now this account has bee listed as a charge off which is bad for my credit rating and bad because they are still proclaiming that I owe them money!!!!! This is the question I keep asking EVERYBODY : IF YOU PROCESSED A PAY OFF CLAIM ACCORDING TO WHAT YOU STATED WAS THE PAY OFF AMOUNT, WHY WOULD N'T YOU REPORT THE CORRECT PAY OFF AMOUNT IN ORDER TO BE PAID IN FULL????? NOT ONLY THAT, WHY WOULD YOU HOLD THE CUSTOMER RESPONSIBLE FOR YOUR MISTAKE, RUIN THE CUSTOMER 'S CREDIT RATING AND CONTINUE TO REPORT INCORRECT, DEROGATORY AND NEGATIVE INFORMATION FOR THE ONLY PURPOSE AS TO KEEP ME IN FINANCIAL BONDAGE FOR THE LENGTH OF TIME THAT I WOULD HAVE BEEN PAYING THEM IN INTEREST RATES FOR THIS HIGH END LOAN! THEY FEEL IF I WANT TO GET RID OF THEM THEY ARE TRYING TO FORCE ME TO PAY THEM WHATEVER THEY WITHHELD FROM THE PAY-OFF AMOUNT JUST TO ATTEMPT TO MAKE ME PAY THEM MONEY
08/08/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • MS
  • 39209
Web Older American
I received a letter on XX/XX/2019 stating that the maturity date on my vehicle was XX/XX/2019, since then I have received several calls from the company inquiring when my next payment would be. I made a full payment of {$320.00} in XX/XX/XXXX as well as XX/XX/XXXX. I know companies can call as much as they like but some of them are repetitive, early in the day and late in the evenings. I received a call on XX/XX/2019 from the company and a representative wanted me to call back, I have never had that happen since I have been doing business with the company. I did call back and informed the person I spoke with of returning the call. I was asked when I would be making a payment, I also informed the person that I had spoke with another representative a couple of days ago and promised to call on the XXXX of the month to let them know to take the current payment out. the representative proceeded to tell me that the balance was XXXX and some change and it needed to be paid. I informed her that I didn't have that amount to pay the car off and if I did we wouldn't be having the present conversation. she informed me that the company couldn't keep pushing the months back and that I would continue to receive follow up calls from them, I told her I understood. she also said something about 80days and once the past due time reaches 80 days being they can't charge interest ( if I am repeating it correctly ) the company the company would probably start proceedings to reposes the car. I asked her why would the company do that and I am almost through paying the car off? and take away the vehicle I need to get back and forth to work, she kept saying she understood. I did inform the representative of my asking to push a few payments back a couple of years ago and was allowed to do so, i was informed that the payments would be added toward the end of the balance of the vehicle. If I had known I would be facing this problem I would have left things alone. I would like for a manager or ceo of the company to contact me and explain the company 's policy on this matter if there be one and allow me to continue to pay on the vehicle until the almost four and one half payments are made.
11/07/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • NC
  • 27520
Web
I will insert that I have sent to Company. XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Regarding Account # XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My purpose for writing this letter today is twofold ; one is to thank Exeter Finance for the excellent service you have provided me over the last few years and the second is a humble request to have my account information amended with regards to a late payments occurring in XX/XX/XXXX. I bought my XXXX XXXX XXXX in XX/XX/XXXX, and couldnt be happier with my decision. Was it not for me having a XXXX in XX/XX/XXXX, it has left me XXXX and caused my employer to retire me from my position at the age of XXXX. It has taking me a whole year to become successful against the Social Security Administration and they have approved my claim. Id have a spotless payment history. I understand my obligations with Exeter and I have worked diligently to amend my relationship with you since that time. I have setup with my banking institution to autopay this account. Since then I believe I have learned the essential organizational and financial management principles I desperately needed. Thankfully, responsible credit management is now reflected in my credit records which, excluding the Exeter 30-day late payments, are excellent. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, one that I am determined to keep spotless into the future. Recently, I have begun my quest for a mortgage, and it has come to my attention that my tradeline with Exeter may affect my chances of obtaining the very lowest interest rates now available. Since the late payment ( s ) of record do not reflect my current status with Exeter, I am requesting that you give me a second chance at a positive credit rating by revising the late payment ( s ). I sincerely hope Exeter Finance believes in their customers, and I humbly request your consideration. I appreciate your time and look forward to receiving a favorable decision from you department soon. Regards, XXXX XXXX XXXX Please read about my condition. My quality of life has changed.
06/11/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • IL
  • 60096
Web Servicemember
I traded my XXXX XXXX XXXX financed with Exeter in on approximately XX/XX/XXXX. My account was still open and active on XX/XX/XXXX so I gave them a call to ask why. They said they hadnt received my payoff. I called the dealership who said they sent the total amount of $ XXXX and some change via ACH on XX/XX/XXXX and they provided me with the lien release dated XXXX and a copy of the title as well as the proof of the ACH transfer. I spoke to no less than 5 people at Exeter that day who couldnt find this money and no one could believe the documents that I provided over and over. Finally on XXXX they applied my ACH payment and never explained where the money was lost. However, I had cancelled my extended warranty and gap insurance so the total payoff amount had reduced to XXXX when the credit was refunded to my account even though the dealer had sent over $ XXXX. The credit had been applied on XXXX, and the payoff had been sent on XX/XX/XXXX. My account statement showed the ACH transaction only paid off the $ XXXX to give a XXXX balance even though I was given the ACH receipt from the dealership showing a different amount. I inquired about that overage and asked why my account reflected an inaccurate ACH payoff amount of only the $ XXXX instead of the $ XXXX that was actually paid, but no one could explain it. I asked if i could get something in writing saying the overage would be paid to me and I was denied. I was assured I would have the overage check soon because it was an ACH transaction which clears immediately and I was told XXXX business days from the XX/XX/XXXX date is when I would receive my check, but that my account should reflect the overage by XXXX. On XXXX I still hadnt seen anything regarding the overage reflect on my still open account so I called again. I was again denied anything in writing regarding the overage and was told the check had been mailed on XXXX. Today, XX/XX/XXXX I called to follow up, and was told that the check has not been issued or mailed, that I have to wait 30 days from XXXX when they applied the ACH transaction for the check to even be issued and there was no way to expedite this. I need answers and an explanation.
09/13/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Problem after you declared or threatened to declare bankruptcy
  • MO
  • 63052
Web
In XX/XX/XXXX my car died and I had to purchase a car immediately. I was working on repairing my credit from a previous bankruptsy in XX/XX/XXXX when this happened. Anyway the only finance company that would finance me was Exeter finance at 27 % interest rate. Being a single mom without no other income but my job, I had no choice but to purchase the car. I did not have money to pay cash for a car and I had to get back and forth to work. By XX/XX/XXXX I was struggling and forced into filing a chapter XXXX. I was told I would be required to pay the full amount of the vehicle but the courts said only at a 4.75 % interest rate instead of 27 %. I have been having money taken out of my check for over two years now totaling almost {$9000.00}. My attorney and I just discovered Exeter never filed a proof of claim as required by the courts. So all of this time the money that should have been going to Exeter was going to my student loan and unsecured debt. At this time I do not know what to do! At this point my only option is to convert to a Chapter XXXX and surrender the vehicle. Otherwise once I get through the XXXX in the next 2 and a half years Exeter is going to come back and ruin me again piling on the amount of the car and late fees. I really don't want to do this. My attorney and myself contacted them multiple times about not filing the claim to no avail. I emailed them a couple months ago explaining this situation and asked if they would reaffirm the loan for the amount the car is worth now at a lower interest rate since it should be half way paid off by now and they did not file a claim. No one ever contacted me. Instead they contacted my attorney and told her WE DO NOT WORK OUT PAYMENT PLANS. She said ok then why did you not file a proof of claim back in XX/XX/XXXX as required by the courts? The person she spoke had no answer and said she would have to get back with her. Needless to say she never heard from her again. They would have had the entire car paid off at 4.75 % interest on top of the 7 months of payments I had already made. I feel like this was a shady business practice to XXXX me over.
10/31/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • TX
  • 75211
Web
Hello I am a co borrorer on a loan with my mother Primary on the Auto Loan with Exeter Finance. I had a car accident in XX/XX/2019. The other person that hit me had insurance with XXXX. XXXX paid the car off in full. XXXX and XXXX show the loan paid off. XXXX is still showing a balance of {$1300.00}. I have spoken with Exeter Finance regarding updating my information with Transunion and show the car paid in full. I have disputed this with XXXX XXXX ( disputed twice ) and XXXX ( Disputed twice ). The response I received from both parties is the Account will remain the same from both XXXX XXXX and XXXX. I called Exeter Finance and spoke to a customer service rep. The rep again stated she would send an email to the credit department. I ask her to review her notes in the system. She read that I spoke to a supervisor in XXXX and they received multiple disputes from XXXX XXXX and XXXX. The supervisor I spoke with name XXXX stated she would send an email to the credit department. I ask her to repeat back what she is stating in the email. She said the credit department need to respond to the XXXX XXXX dispute. I stated both XXXX XXXX and XXXX, not just XXXX XXXX. I also need a letter showing this car is paid off and for this to be expedited so my credit report can be updated and I should not have to wait 30 days. I waited 30 days on each dispute to no avail with no resolve on the pay off and balance should be XXXX. My question was, if you receive disputes from both companies above, then why did Exeter Finance not respond to let XXXX XXXX and XXXX with the paid off car loan. The balance is XXXX. I would like Exeter Finance investigated. I had to call them multiple times to get the car paid off. This company does not follow up and they will go thru half of the process the drop it. I am trying to purchase a car and the dealers are stated that is keeping my score low due to the balance shown. I am very upset with unprofessional company and I do not know how they are functioning as a business when there customers have to constantly call them over them promising that they will take care of it.
08/22/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30263
Web Servicemember
This letter is regarding an account, which you claim I owe {$14000.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
03/14/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • ME
  • 04210
Web
IN XXXX of 2017 I was encourged by a co worker to go to XXXX XXXX in New Hampshire as my co worker 's son was a sales person at this dealership. I had just turned XXXX years old and had no knowledge of how to buy a car or secure a loan on my own. I did not know what a good interest rate was, what it means to have a consigner and on and on. A couple of months later my car was vandalized and I came down with XXXX. As. XXXX XXXX I needed my car for work and was unable to drive the vehicle any longer for safety reasons. I was also not able to XXXX any longer as I could not afford to register the car. I was not aware that as a resident of the state of Maine I would have to pay the taxes I " saved myself '' by purchasing a vehicle in NH. Given the XXXX I was not able to work " inside '' tXXXX XXXX for a week. This caused my to be behind financially. I started to recieve calls from XXXX XXXX ( the company my car is financied through ) and it was at this time I realized that something must be off with this loan. I had my mother call Exeter with me to explain the terms of my loan " I had no paper work on hand ''. I learned that my interest rate is 27 % over a course of 72 months, that it is a simple interest loan and I am being charged a fee of {$10.00} a day for each day that it is late. That $ XXXXday does not increase my payment but it does take away form the amount of my payment that is applied to the principle. I am also being charged a 5 % late payment fee that does increase my monthly payment after being late 10 days. On the advice of my mother and with her assistance I am writing this complaint. A 27 % interest rate sample loan for a vehicle is AT BEST PREDATORY and can not be legal? I was 100 % taken advantage of by the finance department at the Dealership. XXXX XXXX should be locked away for charging this type of rate for a loan and then adding astronomical late fees! It is obvious that this company preys on people with poor or no credit, they never intend for me to be able to pay off this loan, they are making more profit off the backs of people with little resources.
09/01/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OH
  • 45030
Web Servicemember
I Purchased a vehicle through Exeter finance LLC in XX/XX/XXXX. The vehicle was totaled in XX/XX/XXXX and paid off by XXXX XXXX XXXX in XX/XX/XXXX. All payments for the vehicle were continued and not missed. XXXX XXXX XXXX mailed a check via XXXX XXXX to the finance company but when I called to verify I was told they hadnt received the check. I then called XXXX back and they said the check was received and cashed. The loan was paid off in full. A lady from Exeter finance company called threatening me that if I did not pay her {$2000.00} via my bank account that she would have this account put back on my credit even after it was removed from XXXX. I asked her what the {$2000.00} was for and she could not tell me all she said that it was a fee or something I told her that the vehicle was paid off by the insurance company. The insurance company had possession of the vehicle but she continue to demand and harass me To pay the {$2000.00} by phone right then and there. There were many inaccuracies And they were removed from all three credit bureaus. She ( XXXX ) was able to put inaccurate information onto my XXXX credit report that is now hindering my ability to buy a home. This was an auto loan and all the information that she has put on there is inaccurate. It is showing a charge off for a debt that isnt mine. The information is incorrect and does not reflect the original auto loan that was on my credit. That is why the three credit reporting agencies removed it to begin with. I dont understand how someone can put in accurate information on your credit report after threatening you to pay them on the spot that day via my bank account, threaten to ruin my credit and put account information that is not mine or doesnt pertain to me or my dealings with this company. Yet, Im able to be harassed and threatened and my credit ruined and the only company that allowed her to put it on my credit was XXXX. I would appreciate this company to investigate my concerns and remove this inaccurate/untrue account information from my XXXX credit report.
01/25/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • PA
  • 19013
Web
Exeter In response to your letter on XX/XX/XXXX stating you mail me a letter in which I never received. As to mailing you and calling you before you took my car to pay the full payment that was behind. I had explain that the health Care company I work for had payment issues with my salary at the time was XXXX and having me holding checks and causing me issues with my bills. Its on record with the state department of labor and industries. Exeter stated they mail me in which they mailed it to the wrong address as well I have attach letter showing the wrong address as well as a copy of the insurance by progressive showing my address on record to Exeter. It shows Exeter as the lien holder and proves they no my address. I also have the statements each month they mail to me with the right address. When I was trying to pay Exeter they would not accept the payment. Exeter never mailed me nothing to the sale of the Vehicle. Exeter also sold the Vehicle with mailing me nothing of the sale. No attempts after they took it for me to pay the rears that was due. Exeter also played the mail it to an old address in which was updated at the post office in the post office. And Exeter also mailed me on XX/XX/XXXX saying they transfer it to XXXX XXXX XXXX. Date of notice was on the letter in which I have attach shows XX/XX/XXXX but look at the transfer date is XX/XX/XXXX but my notice XX/XX/XXXX Exeter also never responded it was we working on it. This company does not respond and give the consumer the run around. I have attach all documents for proof. I want this removed from my credit file. Exeter was reporting the original balance after they sold it every month doing major damage to my credit file. There was no original amount after they sold the Vehicle. Also Exeter was saying one amount and ran up fees. As to there response there is no deficiency that they responded back from the CFPB I have also considering filing suit on Exeter if the matter is not resolved due to the errors and the proof I have on record on Exeter
05/22/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • OH
  • 43081
Web
Today at XX/XX/18, my vehicle was stolen from address XXXX XXXX XXXX XXXX XXXX oh XXXX. Ive reported this to law inforcement in XXXX Ohio. And went to the dept of motor vehicles got my license plate XXXX. With a valid Id and social #. They verified my car was stolen. I called because I was trying to figured out who may took my car. My title and my registration They are both in my vehicle, I have my Id to pick up my vehicle. The neighbors said it was stolen by a white truck .and they couldnt see the license plate number Of the truck. So the company Exeter finance said they took my car and that was illegally done. XXXX XXXX XXXX from Exeter explanation was that I owed money. I asked him if he had seen me signed any legal paperwork or documents stating that I agreed. He said on recording that he didnt see me signed any documents, and then was explaining to me that he had took my car to and its at an unknown location. I explained the dealer said i needed an amount of XXXX or XXXX cash, he guaranteed I will be in a car that afternoon. So I said fine, Whatever the car dealer and Exeter agreement was I wasnt present. I payed the exact amount of cash including tax that was recommended to drive off the lot. So they need to speak with the car dealer company because now I see they all need retrain. So again XXXX XXXX XXXX He didnt see me signed any law binding contract or contracts so I dont know how hes saying I owe something that he clearly didnt see me signed at all. So with These predudice and false accusations against me are illegal. Now I expect my vehicle to be released from your unknown location where they hide my vichecle. I need my vehicle today asap. thk you very much. Ive reported this again to law inforcement and the department of motor vehicle of Ohio with valid government issued Id. How can you steel my car from public property and lied that i signed paperwork that you are me lien holder, you never seen me signed of your documents XXXX XXXX XXXX from Exeter. I need a response today
06/25/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • WA
  • 98056
Web
On XXXX XXXX 2015 I successfully refinanced my Auto loan from Exeter Finance Corp to a XXXX XXXX XXXX. On XXXX XXXX 2015 they ( Exeter ) 'cleared ' that there was an overage amount of {$490.00} that was due to me. Exeter stated that it would take 30-45 days for the overage check to be issued and sent to me. Exeter stated that on XXXX XXXX they had sent the overage check. After a period of approximately 7-10 business days, I had still not received the check. This is a beyond reasonable time frame for standard ground mail to travel from XXXX, XXXX ( Exeter 's location ) to XXXX, XXXX ( my location ). I made contact with Exeter on XXXX XXXX 2015 and stated that I had been more than patient in waiting for my money and arranged for the previous check to have a 'stop-payment ' issued in order for Exeter to issue me an ACH/Direct Deposit of the funds directly to my bank account. I called again on the XXXX, then the XXXX to check on the status and see if my direct deposit had been issued. Exeter stated they were still waiting on the bank to verify they could 'stop payment ' of the initial paper check. I continued to wait and then called again on the XXXX of XXXX to check the status of the direct deposit. Much to my shock and irritation, they still had no new information to give me. I called again on the XXXX of XXXX to try and illicit a response regarding this issue. Exeter informed me that a second paper-check was mailed out on the XXXX, despite what we had agreed upon and specifically noted on my account on XXXX XXXX. I continued to wait and on XXXX XXXX I called again very frustrated that I had still not received either the initial check which had a stop payment issued nor the second check which was sent on XXXX XXXX. I was blown off with a response that said there was nothing they could do once the check was mailed and that it would ( again ) take 7-10 days for the check to arrive. It is now XXXX XXXX, over 2 months since I paid the account in full and have still not received my money.
01/13/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • MD
  • 20602
Web Servicemember
The complaint is for both customer service and credit report/reporting issues. On XX/XX/XXXX I received an alert from my credit monitoring service that Exeter Financial XXXX placed an action on my credit reports stating that my account with them is 30 days past due. I definitely was not aware that my account was past due as I have made my payments every as my contract states and have been working very hard to improve my credit worthiness ; this action really set me back. I reached out to Exeter to find out what was going on. The representative reviewed my account, and stated that I had missed my XX/XX/XXXX payment. I was devastated because I am pretty good about paying my bills and if I did miss a payment. I would think someone from the company would have reached out to me regarding this matter. In XX/XX/XXXX, I reached out Exeter to inquire about possibly receiving a payment deferment due to COVID hardship for a decrease in income. Representative never stated that I was behind or I missed any payments. He explained to me that the payment would be put to the end of the loan and my next payment would be XX/XX/XXXX. I repeat not once did the representative state that I was behind because if I was, I would have asked for the deferment as well as what I would need to do to bring my account current and still have a payment due XX/XX/XXXX. After the representative submitting the request, he went over the details of the deferment and stated that once the deferment was approved that my account would be current and next payment of {$780.00} was due on XX/XX/XXXX. I called on XX/XX/XXXX to make sure the deferment was approved and it was. From XXXX on, I made my payments on time. Still on XX/XX/XXXX, I requested a deferment to bring my account current because after calling in on this date and finding out all this information I would have to make 2 payments in order to bring my account current in which I can not afford. The deferment was approved and my account is current as of XX/XX/XXXX.
09/11/2020 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 92562
Web
My truck was repossessed. XX/XX/XXXX. In an attempt to pay and settle debt, I called XX/XX/XXXX and spoke to XXXX. At that time she offered me a settlement of {$3900.00} out of an balance of {$9000.00}. She said that they would not remove it from my credit but will update to a {$0.00} balance. At the end of the conversation XXXX XXXX I thought ) told me to call back when I had {$3000.00}. I told her it would take me a couple of months and I would call back. I call back XX/XX/XXXX and spoke to XXXX. XXXX said that the settlement amount was {$3900.00}. I was then transferred to about 4 different reps that kept telling me that the notes said {$3900.00}. I requested to speak to XXXX and sh said her notes said {$3900.00}. I asked for the recorded to be listened to and she hung up in my face. I called back and spoke to XXXX a supervisor and she listened to the call and stated to me that she HEARD ON THE RECORDING XXXX say {$3200.00}. asked not to be contacted by XXXX any longer because she hung up in my face. XXXX said she would sumbit a request for the {$3200.00} as a settlement and they would get back to me. XX/XX/XXXX XXXX called me ( after I requested her not to contact me XXXX and said the counter offer was {$3800.00}. I thought it was a joke and cant figure out why she was calling me after I specifically asked XXXX the supervisor not to have her call me. Also according to XXXX, there were also a few payments made over the account over the years which were not made by me. She was not able to tell me when the payments came from. This was a slick way of keeping this item on my account longer. Since a payment was " made '' it starts the 7 years over. I am a single mom of XXXX and due to XXXX, I haven't worked in months and since contacting them in XXXX, they are now reporting late payments each month on my credit which is hurting me. After reading all of the reviews on the XXXX and seeing how they lost their accreditation XX/XX/XXXX, I can see why they treat people any type of way.
06/05/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 94531
Web
Exeter Finance has continually and intentionally/willfully violated section 623 of the FCRA and it's specifically amended by statute 602 whereby it is 1, Prohibited to ( A ) report information with actual errors and 2, ( B ) Report information after notice and confirmation of errors when I continuously challenged their reporting of this account in my numerous 611 disputes with the credit reporting agencies and subsequent 623 disputes with them. On XX/XX/XXXX, I disputed balance owed as I never received any of the required paperwork such as all notices up to and including the notice of deficiency sent certified mail under the law which entitles them to mark my credit reports, payment history, date of last payment and so forth across all three credit bureaus after being denied various credit opportunities and products. On XX/XX/XXXX They denied my 623 request to see all documentation on this account ( only sales contract which is not germane to this subject ) to justify they were not erroneously reporting and continued to report it even though they also had proof that they were violating the FCRA by reporting the inaccurate and negative information differently across all the credit bureaus. Then on XXXX XXXX they sent a follow up letter stating my dispute was frivolous at which point I continued to dispute with the credit bureaus until XX/XX/XXXX. Under the FCRA, if any piece of information is not accurate and complete after an investigation is brought by a consumer the furnishers of the information must update or delete said information so that it is accurate and complete across all the bureaus it furnishes the information to or it faces numerous violations under the FCRA. I continuously asked through the entire dispute process with both the CRA 's and the OC to either update or delete the negative information from my credit reports and was continually thwarted by both all the while keeping me from receiving the great credit products and interest rates I would have enjoyed.
07/15/2022 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10466
Web
Exeter Finance claims that I owe the repayment of an auto loan. I disagree with their claim because I paid the bank for an extension of my own credit via a Finance Charge when I signed the contract for the XXXX XXXX XXXX back on XX/XX/XXXX. According to 15 USC 1605, ... the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The portion that says, ... payable directly or indirectly by the person to whom the credit is extended refers to me, the consumer, and the portion that says, ... imposed directly or indirectly by the creditor as an incident to the extension of credit., refers to the banks. The transaction was completed at the signing of the contract because the initial payment of the finance charge was needed for the banks to extend my credit to the dealership for the car. When I asked for the verification of the original creditor, not just the creditor, the bank claimed that they were the original creditor for each respective contract. This is false because the role of the bank is not to lend credit pursuant to 12 USC 1431 since it is not stated as a part of the Powers and Duties. By omission, I must be the original creditor since I am the only other party present in the consumer credit transaction. Therefore, there is no need to pay back something that already belongs to me, eliminating the idea of any debt. The only thing I would have had to pay to the bank was the Finance Charge which was already paid as explained earlier. This was a consumer credit transaction which was completed therefore there is no debt that I owe. I asked for validation of debt and each bank sent me a copy of the contract attached below which clearly indicates the price for the Finance Charge that I paid via my credit card for the extension of my credit.
04/09/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • CA
  • 95139
Web
I totally disagree with Exeter Finance Corporation 's response. Exeter Finance Corporation failed to address the Real Issue and is hiding the fact that they are scamming consumers. Exeter Financing is a scam and its Shady Financing is unscrupulous. On or about XXXX 2014, I entered into a Retail Purchase Agreement with XXXX /Exeter Financing Program XXXX I was NOT employed by XXXX at that time and was not told that I would be fired if the Customer Rating falls below XXXX. XXXX XXXX failed to do a thorough check on my " Proof of Income '', thus without checking the income they put me in this high interest loan with exaggerated monthly payments. Driving for XXXX never generated that much of income to pay that high monthly payments. The intricacies of their financing program has really hurt my credit score and is n't helpful at all. It basically is a trap in a cycle, working for XXXX to pay for the car I signed up for under the guise of steady, gainful employment from XXXX. As stated in my claim I was terminated just a week after my purchase of this vehicle. On or about XXXX 2014, I made many calls to Exeter Finance that I would like to surrender my vehicle but they hang up on me and told me not to contact them anymore. I contacted Kia Dealer and they informed me to contact Exeter Finance as the car now belongs to them. Enclosed is my letter to Exeter Finance requesting them the same. However, they ignored me completely and continued to bill me for this high funded loan. I did not enter into any kind of agreement or sign any documents with XXXX as an Independent Contractor, the findings from government agencies state that this strictly an employee status NOT an Independent Contractor. Thus Exeter Financing Auto Loan is a fraud and scam, the drivers ' paychecks are docked to repay the auto loan. XXXX takes a 25 % from their driver 's and additional fees, there is no way a driver can pay {$980.00} monthly payments with this loan structure and unstable employment from XXXX.
04/19/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • TN
  • 38340
Web
Exeter Finance approved me for a loan on XXXX XXXX for a XXXX XXXX XXXX through XXXX. On XXXX XXXX the vehivle burned and was considered a total loss. The inital loan amount was for XXXX After all the interest accrued ( which I was not informed of from th beginning ) My insurance sent them an initial payment of XXXX which shows as clearing their bank on XX/XX/XXXX. Once that check was posted to my account Exeter show a balance on my account of {$2500.00}. My insurance sent a second check in the amount of XXXX on XX/XX/XXXX. At this time, Exeter has yet to post that check. This would make the total {$20000.00} However, it shows at this time I owe {$2500.00}, which means Exeter should owe me {$910.00}. They have not returned that money. They also refuse to give me a letter stating the account has been paid although they have RECEIVED BOTH PAYMENTS AS OF TODAY. They stated they hold the funds for 14 days. I can not get a car financed until I have the letter from them stating it was paid. So this is costing me money having to pay for a rental vehicle, due to not being able to be financed because they will not give me the PAID letter although they HAVE RECEIVED the money and {$910.00} OVERPAYMENT at that. I feel this money needs to be sent to me as I am a single mother about to lose everything I have, including my job and not be able to care for myself and daughter due to having to pay out of pocket for a rental because I can not get financed without this letter. Also, MY INSURANCE made that overpayment meaning that money belongs to ME. I have been through XXXX with this company. They are very rude. Charge outrageous rates and as I said I was never explained to that I would be paying a daily interest rate of XXXX on this loan from the date of loss. I never agreed to such. They got ALL the money they financed in the agreed upon loan which was XXXX, plus plenty of interest. They need to return the excess XXXX $ owed to me, as this single mother is very much in need!
04/24/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Changes in terms mid-deal or after closing
  • SC
  • 29680
Web
On XX/XX/XXXX I purchased a used XXXX XXXX XXXX XXXX from XXXX located in XXXX North Carolina on XXXX XXXX. The loan was approved by Exeter Finance. Contract was signed, delivery of vehicle taken and down payment of {$1800.00} paid. About a week or a week and a half later received a call from XXXX stating that my employment start date of XX/XX/XXXX fell short of Exeter 2 week time frame and Exeter was attempting to not fund the loan. Spoke with Sales Manager provided information as to documentation provided to Exeter as well as approval from Exeter regarding the documentation. Was advised by XXXX that they would contact me if any further action was required. I did not hear from Exeter or XXXX. I contacted Exeter on XX/XX/XXXX attempting to make payment at which time I was told I was not a customer and referred back to dealer. Spoke with dealer and was advised that needed to bring the car back and have it returned to inventory and attempt to repurchase and obtain financing now that 6 months employment criteria was now met without an exception having to be made. XXXX has agreed to return the vehicle and exchange it for another that XXXX is offering for sale, however Exeters approval keeps yo yo ing anywhere from {$2000.00} down with 28 % interest XXXX this is agreed upon terms and specified financing option requested XXXX to {$4500.00} down payment requiremented depending on which location ( state ) the car is purchased in. XXXX has already titled the vehicle I am in possession of to me with Exeter listed as lienholder. Exeter says I am not a customer. XXXX states Exeter will be repossessing the vehicle. How can they repossess if I am not a customer and have not breached the terms of my contract with them? How can they hold a security interest in the vehicle if they are not providing a loan? Wouldnt the security interest belong to XXXX as stated in the financing contract they provided stating that they would be transferring the contract to Exeter?
05/01/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • VA
  • 20147
Web
The car that was allegedly sold to me was repossessed with the Exeter Finance and was not resold. According to Virginia state law once the vehicle has been repossessed, the original creditor may decide to either keep it as compensation for your debt or resell it in a public or private sale. The Exeter Finance decided to keep the car as compensation and therefore I no longer owe the original creditor for the vehicle. If this car was resold proper notices were not given. Under the laws of the State of Virginia UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. State law also requires that the creditor tell you the time and place of the sale so that you can attend and participate in the bidding or If the vehicle will be sold privately, you have a right to know the date of the sale. None of these things have been done or provided by this collection agency to properly validate that this debt is owed. I want to be provided the following : A proper validation with the signed contract with the original creditor A copy of purchase agreement If there have been any other changes or adjustments since the last billing statement from the Exeter, for them to please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are authorized by the agreement creating the debt and permitted by law in my state. Provide proof that all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. If the vehicle was sold provide proof with a copy of the required State law notice sent of the amount, time, and place of the sale and If the vehicle was sold privately, provide the proper notice with the amount and date of the sale.
02/09/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MD
  • 20744
Web Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX. XXXX XXXX XXXX GA XXXX XX/XX/2021 RE : Social Security Number : XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by Exeter Finance in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see you have my account listed as a Derogatory and Charged off account. This account has already been disputed and removed from my XXXX credit report due to inaccuracies. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with Exeter Finance and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, MD XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
02/01/2022 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • FL
  • 32549
Web Servicemember
On XXXX XXXX, I received a letter of intent to sell from a third-party debt collector known as Exeter Finance XXXX . A debt collector pursuant to 15 USC 1692a ( XXXX ) means " any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another ''. They stated that they would sale my vehicle because I broke a promise in our agreement. Pursuant to 15 USC 1692e, Exeter Finance XXXX has violated my consumer rights by stating that nonpayment of this debt will result in the XXXX and sale of my property in which they have no legal right to do. Pursuant to 15 USC 1692d ( XXXX ), Exeter Finance XXXX advertised the sale of my vehicle to coerce payment from me. Pursuant to 15 USC 1692f, Exeter FinancXXXX XXXX took nonjudicial action to effect dispossession of my vehicle which they do not have any present right to possession of my vehicle which was claimed as collateral through an enforceable security interest. The vehicle was never in their possession, therefore, they have no right to gain possession of the vehicle. Pursuant to 15 USC 1692d, a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of any debt. Exeter Finance XXXX has harassed and abused me by causing harm to my reputation, which can also be known as my consumer report. With Exeter Finance XXXX reporting false information on my consumer report, I have struggled to take care of my personal/familial needs. I never gave Exeter Finance XXXX prior consent to contact me through any means pursuant to 15 USC 1692c. Exeter FinancXXXX XXXX has caused me anxiety, mental anguish and has caused me to pick up another job due to the fraud that they are conducting.
07/07/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TN
  • 38117
Web
Unauthorized Credit Inquiry -Second Request Dear Sir or Madam, Principle XXXX submitted my credit to you after I specifically told them not to. They have been untruthful, unethical, and unapologetic in their business practices. I have already contacted them and they refuse to correct their behavior. To show their recklessness with my personal information to include my credit I have enclosed documentation. Unfortunately they have put your company at risk an action must be taken to correct the record. Specifically The buyers order that they sent to me minutes before sending to you is totally different. The amount financed on my copy is {$30000.00} The copy that was submitted to your organization was {$32000.00} a difference of {$1400.00}. Why would I want to pay more and why would I ask them to run my credit after I got a purchase order so I could obtain the loan on my own? I told them not to run my credit again. It is clear and can be proven I did not authorize this inquiry. I included a copy of an email that states exactly my situation and what I am looking for. This includes no money down, an early lease turn in/or buyout, and a lot of negative equity. My credit score was run onXX/XX/XXXX when I came in to the dealership and came back at XXXX from XXXX. Based on all of the above information I would expect that the sales manager is trained to know what options if any are available without having to run my credit over and over as was done in this case. In addition I am sure there are guidelines for each bank based on specifically the information that has been provided ( examples ) credit score, amount financed, ratio of loan to car value etc. I am requesting for a second time for this unauthorized inquiry to be removed. Failure to comply will result in complaint to the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX as well as the FTC. I expect the unauthorized inquiry to be removed within 15 days of receipt of this letter.
06/16/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • GA
  • 31023
Web
In XXXX of XXXX I financed a XXXX XXXX XXXX through Exeter Finance. 3 years later and much research i have found that was the biggest mistake I ever made. Back when Covid hit in XXXX closing down things and money became tight ; I reached out to them to refinance my loan as a lower rate due to i had been making payments timely. They denied me and told me they do not refinance. The orginal loan amount was XXXX and as of today the value is XXXX but to pay off is XXXX. My bank has made to attempts to pull me out of this loan but for the vehicle is not worth what they say I owe as well as the refuse to send me itemized proof of how my payments are being paid. The last straw was when I found out they have been harassing my children. XX/XX/XXXX My XXXX old was at work and received a call on her cell phone and was completely thrown calling me at work. Mind you i had just spoken with company on 2 days ago on XX/XX/XXXX about trying to receive information on how my payments are being applied. I have been asking since XXXX with know luck. My oldest daughter of XXXX then informs me, moma these are the same people whom have been calling me so much i had to block their number but then they started calling from another number. My kids numbers have never been released to them nor were they placed on my contact list at the time of purchase they were minors at the time as well as I don't use my children 's information on loans. I called them immediately and they back trailed and accused me of calling from my children phone and they saved the number at which time I told her my daughters have XXXX phones which I don't know how to use. I have an android not to mention I have never used my children 's phone to ever reach out to them because I have my own cell phone as well as my house phone which is what I use. These people have been sued for unfair loan practices just a couple of years ago and they continue to do so.
03/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 44011
Web
XX/XX/XXXX, I Reached out to the Main CRAs requesting a updated copy of my credit report, upon reviewing I noticed that a auto loan ( EXETER FINANCE ) was erroneous reporting inaccurate information on my profile putting me as a consumer at great risk and jeopardizing the integrity of my credit, so I decided to challenge the inaccuracy Exeter Finance put on my credit profile, as a consumer which I have the right to take any action I feel is necessary to make sure everything on my credit is as it appears 100 % accurate, well while doing so I stumbled across some information that was reported in accurate so I reached out to the 3 credit bureaus asking can this issue get a further investigation unfortunately only response I received from the credit bureaus was that the information was verified accurate which in fact is false I know this for a fact because I have via certified letters from the direct furnisher to support my allegations, so I found what the credit report reported was not only invalided but by law I believe they have violated the FCRA laws with what they have allowed to be reported as accurate unfortunately. Not only did they say back in XX/XX/XXXX they had the vehicle in there possession which was being auctioned off at one of there facilities but also the opening bid will open at {$7200.00} how is that so when XXXX XXXX when I reached out regarding this account they say the balance is still {$28000.00} thats contradicting not only for EXETER FINANCE BUT ALSO FOR XXXX, XXXX, XXXX with what they have allowed to be reported in the first place while being non compliant, I have invested time, energy and money into getting justice for this battle between us I believe also that this account is out of the statue of limitations, Im asking that you remove this account off of my credit report Expeditiously once removed please send me confirmation via letter of removal Thanks.
10/28/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MA
  • 01331
Web
On XXXX XXXX, XXXX an application was submitted to purchase a vehicle and according to Reference No XXXX, the loan was denied but somehow, the dealership was " able '' to get the loan approved however, I had to tell the bank that I already had the vehicle when they called when in fact, I did n't pick it up until the day after they called. Also, upon receiving the paperwork, I discovered that {$3200.00} was added to the original price of the vehicle but no explanation was given as to the amount, since the selling dealership never went over the paperwork ( but they 'claim ' they did ). The selling dealership claims that it is a " fee charged by the bank for a high risk credit loan ''. I did n't find out the payment until I spoke with someone from the finance company. When I make a payment, it does n't show up in my account until the entire payment is received and there is absolutely no indication as to what the payments are being applied to as it just shows the payment received. I have made the XXXX & XXXX payments and nothing has gone toward the loan, so where is the payment actually going? There was no option for XXXX Insurance given at the time of purchase. Under the key factors that adversely affected my credit score : XXXX - ( 1 ) is from XXXX and ( 2 ) has been disputed with the collection agency but they have not removed it from the record, as nothing is owed. XXXX - the only revolving account I have is my credit card, which I am trying to pay down XXXX - the only loans that I have are my student loans, to which I graduated in XXXX XXXX and those are in income based repayment, with the current year 's payment being {$0.00} XXXX - There are n't that many accounts that are open on my account. Those listed from XXXX are being paid on a monthly basis, even though the payments are not being reported, just the balance being reduced. My credit card is paid on a monthly basis.
01/11/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • TX
  • 78251
Web
I purchased a vehicle with XXXX XXXX XXXX XXXX around XX/XX/2020. The financial dept added gap and extended warranty to the loan. The purchase price of the vehicle was {$10.00}, XXXX. After extended warranty and gap was added to the loan the full amount came out to {$13000.00}. About a month later I received a letter, from XXXX the gap and extended warranty company, stating my policy was canceled and a refund check of {$490.00} was refunded. I called ally and they said someone at XXXX XXXX had XXXX requested that it be canceled. I asked where that refund check was sent because the loan company nor I ever received that refund. I told him Im technically still paying for the gap and extended warranty as it is included in my loan. They said it was sent to someone named XXXX at XXXX and according to XXXX notes XXXX had said she gave me that money!!!! Which is NOT true!!! I called echopark several times. I had to leave messages on voice mailboxs and when I finally spoke to a manger he promised to look into it and he would call back the same day. 2 weeks later he still had not called back. I received a text from someone at XXXX in XXXX saying they will try to put the extended warranty and gap back on. I have not heard back from anyone and when I do contact someone they say the person I need to speak to is out of the office!! This is NOT ethical and it is against the law to cancel car owners gap and extended warranty and keep that refund when people are paying on it still in their car loan!! Please look into this. Also, they requested that I put {$2500.00} down to purchase the vehicle. That money is no where to be found. It was never included or deducted from my loan. Its just missing?!!! Please help me. Im a single mom who was purchasing a vehicle for my Daughter who went off to college. They probably saw me as an easy target. Im sure they have done this to other consumers as well.
06/26/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • SC
  • 29706
Web
I have been a customer of Exeter Finance since XX/XX/XXXX. I have never missed a payment and all my payments have been on time. XX/XX/XXXX I total loss my car. Every since then Exeter has been a nightmare. I had full coverage along with GAP coverage on my vehicle. The Insurance company and GAP completed everything that was needed on their end by the end of XXXX. Exeter received a payoff from XXXX XXXX, a payment from me ( because they said if I did n't make my XX/XX/XXXXpayment it would get reported to my credit as 30 days late, even after they received the check from XXXX XXXX ). They received a payment for GAP for the remaining amount on my loan as well as another check for {$690.00} from XXXX XXXX. It took Exeter 3 weeks to process those checks. I could not get approved for another car loan until it showed my acct had been paid in full. I had been without a car since XX/XX/XXXX. I just got another car on XX/XX/XXXX. Everytime I called Exeter I spoke with a different person and was told so many different stories. Even the company I purchased my car from got frustrated and upset with Exeter and called their practices unethical. I have an over payment of {$1100.00} that was supposed to get sent to me the beginning of XXXX and as of today they have still not processed my overage payment. Each time I called in for an update, someone ( including management ) told me a different story. I called the office of the president and spoke with someone about my account and they all act like they do not care. They are the WORSE FINANCE company ever and I am looking to file a suit against them for their unethical practices. they way that they treat their GOOD customers are a disgrace and they need to be held accountable. I have experience so much stress in dealing with them these past 3 months and I still have not received by refund check.

STAY AWAY FROM EXETER FINANCE if you can ...

09/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60647
Web
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Exeter Finance Corp violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 usc 8, 15 usc 1611 ( 1 ), 15 usc 1611 ( 3 ), 15 usc 1640 ( i ), 15 usc 1605 ( a ), and 15 usc 1692e
02/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30083
Web
In XX/XX/XXXX I spoke with a representative and got my car payments deferred due to COVID 19. The agent stated they were able to defer my XXXX and XXXX car payments, and that my car note wouldn't be due until XX/XX/XXXX. In XXXX the car was sold to a dealership who paid the car off, Exeter confirmed on XX/XX/XXXX they received the full payment on XX/XX/XXXX to pay the car in full. In XX/XX/XXXX Exeter reported a 30 day late payment to the credit agencies. I called and spoke to a representative on XX/XX/XXXX asking them why this was placed on my credit as there was never a late payment on the vehicle. The representative informed me that she seen where I called in in XXXX for the deferred payments however that agent never completed the setup. I asked well why wasn't I informed or why want any communication sent to me regarding this matter, the agent stated it was all set up. I also told the agent if what you are saying is true then the payment for XXXX and XXXX were late as the car not is due the XXXX of each month and they are reporting my XXXX payment was the only late payment. She informed me that she shows its inaccurate and they are going to get this updated immediately. I have spoken to countless representatives and was hung up on by a manager. I have been professional in this entire process and have tried working with Exeter to get this matter resolved. I had the vehicle for 3 years and I have never paid the car note late. I attempted again XX/XX/XXXX to resolve this matter and have explained to the finance company that I need to get this matter resolved as I am in the process of purchasing my 1st home and this hurting my credit and is untrue. I have not had an issue with Exeter and would like to do business with them one day in the feature, but the information they are reporting is FALSE and I have exhausted all my avenues to get this matter resolved.
05/16/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • NC
  • 28266
Web
My name is XXXX XXXX. I had an auto loan with Exeter Finance LLC. The reason for my email is to report the financial bad business concerns I have with my auto loan. I have spoken with Exeter Finance on several occasions about my loan ; the interest payment, why my extra payments or overage payments werent going towards my principal, and why my monthly statements require more money than my contractual obligations. This is a list of the concerns I would like the Federal Trade Commission to review. Exeter Finance billed more than my contractual obligations, my contractual payments were {$210.00} monthly. I was told it might be fees. Exeter would not apply extra payments toward my principal, even though I would call and request that the excess amount be applied to the principal. Example XX/XX/2019 {$100.00} principal payment was removed on XX/XX/2019 and then applied to interest only on XX/XX/2019. On XX/XX/2019, a payment from XX/XX/2019 was removed from my account and was never applied anywhere on my account. I confirmed with my bank that {$240.00} on XX/XX/2019 was paid to Exeter Finance. ( I never missed a late payment or was late on a payment ) I paid {$150.00} in interest on XX/XX/2019, when I questioned Exeter about it, I was told it was because of the number of days between my XXXX and XXXX payment. The interest payment did not decline as the balance declined. I paid my loan off one year and one month early because I was tired of going back and forward with Exeter, but I paid the same interest as if I had taken the loan to full term. I also believe I overpaid on the principal balance. These are just the financial issues I could identify. As Exeter representative explained to me once, " you would not understand the complexity of finances '' I ask that CFPB to evaluate all documents. I do have documents to support all claims.
06/01/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • CA
  • 92392
Web
Purchased a car from XXXX XXXX XXXX in XXXX put {$6000.00} down and in less than four months transmission went out they told me the car was still under manufacture warranty when I bought it because I kept asking for an extended warranty but instead they sold me GAP and told me the manufacture warranty was still good. XXXX would not repair the car they said warranty expired 2 months prior to the repair which was {$4500.00}. I filed a complaint against both companies with XXXX. Went months trying to get a resolution. I was paying my car payment plus XXXX of dollars in rentals. Could n't afford both renting and car payment so I let the finance company know what was going on. So they went and repo the car because I told them I could n't afford the repairs and the dealership was going to place a lean on the car because it had been there for two months. So Exeter Finance picked the car up. Several months later I receive a memo from XXXX saying I can have the car repaired but by now the car is gone Exeter sold it and I 'm stuck. Lost {$6000.00} plus spending nearly $ XXXX a month on rental cars. I am currently spending {$250.00} a week on a rental car because now I ca n't even get a car loan with a repo. I just think this whole situation was not fair and I was cheated as a consumer by all XXXX companies XXXX, XXXX and Exeter Finance who did n't even give me the opportunity to try and get the car back they picked it up and sold it immediately without any communication with me. I paid all my payments on time and communicated with them through everything that was going on. I have XXXX children and this situation has caused me to have a great financial hardship and nobody had consumer centered customer service in this situation. XXXX tried to give me a repair order but it was too late now what do I do I ca n't afford to keep paying for this rental.
12/21/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • OH
  • 44903
Web
I have received XXXX phone calls from Exeter Finance Corp on my cell phone. I am not the loan consumer, and I did not provide them with my cell phone number, nor did I give them permission to contact me at all, or on my cell phone regarding this account. This is apparently an account for my brother 's loan. When they contacted me the first time, a couple of months ago, I expressly told them that I have nothing to do with his account, and I demanded that they remove my phone number from their system, and make no further contact with me. I specifically requested a supervisor to whom to provide this instruction, and was transferred to a person whom I was told was a supervisor. This person assured me that my number would be removed from their system. During this phone call, enough information was provided by the representative that I was able to determine that they were attempting to contact my brother regarding a past due payment. This information should not have been provided to me at all, because I am in no way involved with the account. On XXXX XXXX, 2015 at XXXX, I again received a call from XXXX, and the caller left a voicemail requesting that I return their call regarding an account. When I called back, my call was answered by XXXX. XXXX transferred my call to a supervisor at my request. My call was transferred to a XXXX, who advised me that he was a supervisor. I explained to him that they were calling me again without my permission, and after I expressly told them not to contact me in the future. I advised XXXX that I would be filing a complaint against them for improperly contacting me on my cell phone, and also, if possible for an FDCPA violation, because I am not a part of the account in question, yet they provided information I was not entitled to have during the phone calls. My cell phone number that they have called is XXXX
11/08/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • MS
  • 39272
Web Servicemember
I have been trying to negotiate a settlement with Exeter Finance Corp. since XX/XX/XXXX. Exeter Finance Corp is now trying to repossess the vehicle XXXX XXXX XXXX with XXXX miles. I original purchased this vehicle in XX/XX/XXXX. I have slow payments throughout the life of this loan but in XX/XX/XXXX to present has triggered a series of events financial issues. My mother was diagnosed with XXXX XXXX, then XXXX XXXX in XXXX. My son was repeatedly XXXX and his son was birth and care of in XXXX. My daughter suffered XXXX XXXX issues in XXXX. My father was on XXXX XXXX in XXXX. My mother was diagnosed again with XXXX XXXX and my father passed away in XXXX. I should not have to detail my personal issues of my family and life not to mention I had several periods after purchasing the vehicle of underemployment and unemployment. Despite all of these factors I have been a loyal customer communicating with Exeter Finance Corp and paying on my loan. Based on the telephone conversation with Exeter Finance Corp, I have compared their company records against my records. Their staff personnel advised the original contract total amount would have paid Exeter Finance Corp {$41000.00}. According to my original documents and the total value of the car was {$24000.00} and the total financed amount was {$14000.00} which equals {$39000.00}. Their staff advised I have made 73 months of payments on this 72 month contract and total payments made are {$40000.00}. Please note that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws.
10/27/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • CA
  • 92618
Web Servicemember
I am currently paying over 18 % APR with my car that was purchased from XXXX .The auto loan that they chose for me is Exeter Finance .I have been making payments on time and due to my high APR, I have been trying to pay it off as quick as possible .The first few payment I made over phone calls, I paid sometimes {$1000.00} .sometimes {$2000.00} .My monthly auto payment is {$390.00} something .I told the representative to pay my monthly payment and then put the rest of money towards my principal reduction .The first few times it was done right .And not until recently that I made my payment again and told them to again put the rest of money towards principal, they failed to do that .And I checked my online account, they did not do what I told them to do .The {$1600.00} that I called over the phone to make two payment was supposed to all go to principal, But they did not do it at all .I at least called 5 times to talk to them about fixing this issue and they all told me they will fix it and they would have their manager do it and I would be able to see that on my account reflecting the correction within 24 to 48 hours.But nothing ever happenedThey still did not fix it and I was so upset that I called again asking to talk to the manager .Again, no surprise the manager promised me she would fix it and asked me to come check back in next 2 days .I gave it 6 days and today I checked back my account again, they still did nothing .I was so upset and do not want to trust them ever again because of the worst experience I ever have with customer service I am paying still up to today the interest rate that I was not supposed to pay .They are robbing their customer so that this way they can get more money that they actuallly should not have been making!!! EXTREMELY UPSET WITH THIS COMPANY!!!! WROST FINANCE SERVICE THAT ONE CUSTOMER CAN GET!!!!!!
01/26/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • TX
  • 76548
Web Older American, Servicemember
To Whom May it Concern ; In the following date, XX/XX/XXXX, the following vehicle ; XXXX XXXX, BIN Number, ( XXXX ) XXXX, XXXX color was purchased at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. This vehicle already has a 5 warranty or 60 miles which occur first by the manufacture company. The owner already has copies of the warranty paper work. The problem or complain is that the dealership which sold the vehicle to Mr. XXXX XXXX with a added warranty that was not necessary to the vehicle. Mr. XXXX XXXX noticed that this insurance is not need it for this car knowing that the vehicle already has a manufacture warranty. Customer, Mr. XXXX XXXX reported that this unnecessary insurance of {$3000.00} that need it to be removed. The dealership XXXX XXXX has not yet removed and credit this funds back to Mr. XXXX XXXX account. Can you please make contact with the dealership to REMOVE and credit unnecessary added warranty of {$3000.00} back to Mr. XXXX XXXX account. Also, a charge of {$500.00} GAP was also added, this GAP of {$500.00} need to be credited back to Mr. XXXX XXXX account. The following names were involved with the sale of the vehicle on XX/XX/XXXX, Mr. XXXX XXXX, and XXXX, XXXX. The dealership finance manager is Mrs. XXXX XXXX. During the conversation, we spoke that the funds of {$3000.00} plus GAP of {$500.00} was suppose to be return or credit back to Mr. XXXX XXXX on a formal cashier check, and remove the extended warranty from this account. This situation never was exercised by the XXXX XXXX XXXX. Do please conduct an investigation as the earliest convenient as possible due to I got really tired of battle with it. A payment of {$4400.00} has to be XX/XX/XXXX to Exeter Finance Corp . The XXXX XXXX XXXX phone number is XXXX. XXXX XXXX XXXX phone number is XXXX. Respectfully ; XXXX, XXXX XXXX : ( XXXX ) XXXX / XXXX Texas
05/31/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IN
  • 47025
Web
I bought my car for {$15000.00} from XXXX with a loan from Exeter Finance, XXXX of XXXX. I made payments on time until XXXX of XXXX, when my car was stolen. I was not aware that I was to be responsible for payments until my insurance paid out. I spoke with Exeter Finance multiple times over the course of 4 months and not one time was I advised to make a payment nor was I advised my account was nearing " charge-off '' status. I never received any sort of communication from Exeter until after my account had been " charged off '' which was after my insurance had made their pay out and i had an insurance deficiency balance of {$630.00}. I never had any intention of dodging payments made to them, I simply did not know how much money I owed them nor did they communicate the fact that I needed to make a payment when I talked to them. There was one point, I called to get information on the remaining balance after insurance would pay out. I was told there would be a $ XXXX balance, which GAP and refunded warranties still hadn't paid out ; however, I was not told that my account was being charged off nor was I told I needed to make a payment. On XX/XX/XXXX, 2 weeks after receiving the notice of deficiency balance, I made a payment of {$150.00}. This was when I discovered the account had been charged off, so I called to ask about it. The call center associate, XXXX, was rude and spoke to me like I was stupid, she acted like she didn't care about my situation and refused to transfer me to a manager. I hung up and called back, this time I was connected to a manager. As I explained the situation, I also explained that it is not good business practice to not communicate with your customers when they are going through such a confusing process such as a claims process. He didn't show any compassion or care whatsoever about what I was saying.
05/15/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 91730
Web
My car was totaled on XX/XX/XXXX. Our insurance company, XXXX paid about {$20000.00} to the finance company, Exeter Finance on XX/XX/XXXX. The check cleared on XX/XX/XXXX. My boyfriend ( who I share the loan with ) and I have been in close contact with Exeter pertaining to the payment status from XXXX and what was happening on a weekly basis. We spoke to customer service agents in the total loss and GAP depts. constantly while dealing with the insurance claim. No one ever said that a payment was due, or about to be late. No one let us know once that the {$20000.00} given to them by the ins. company wouldnt be counted as a payment since it was directly from US. So they proceeded to report a late payment for the month of XXXX and in doing so dropped mine and my bf credit 81 pts. This has devastated us both. I spoke to the GAP dept on several occasions on XX/XX/XXXX, the day I got the alert about the credit change and all they could tell me was that I signed the contract where that piece of information is buried in a lot of paperwork that Im never going to get to read and that this kind of mess happens daily for her. She hears this issue all the time according to her, and still Exeter finance company refuses to inform the customer that their credit could be effected if payments dont continue. Especially when they know this is something constantly overlooked by their costumers. It seems Exeter is simply trying to make their money. But speaking as a person who has been working to get their credit up, and TRUSTED Exeter finance to help me do that, I feel betrayed. I have read about law suits theyve lost due to doing bad business. I fully intend to take this up to corporate levels to get a resolution, as well as dispute the missed payment. But I felt I needed to ask if I have any kind of case to go to a lawyer about this issue?
01/12/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • AL
  • 36301
Web
I would like to file a complaint in regards to GAP insurance that was purchased through XXXX XXXX, XXXX, Alabama XXXX ( XXXX ) XXXX for a XX/XX/XXXX XXXX. The car was in a collision on XX/XX/XXXX. The XXXX XXXX has since totaled the car and paid XXXX XXXX XXXX. The XXXX XXXX is XXXX. The GAP Insurance Information a fax was sent to XXXX at the Attention of a XXXX XXXX XXXX. Confirming the purchase of this GAP insurance XX/XX/XXXX I thought this issue had been resolved until XX/XX/XXXX. I had not received a notice verbal or written from this company until a XXXX XXXX XXXX of Sum Collections ( XXXX XXXX XXXX called to collect XXXX from me. This is ridiculous when I have acquired the XXXX XXXX as well as sent XXXX XXXX XXXX ext. XXXX the information before the ( XXXX ) day deadline mentioned on the letter that I have. When if I obtained the insurance why do you give only ( XXXX ) days when other individuals are responsible for the accident in the first place. I do not have any control over any insurance company or its employees. It seems as if XXXX and XXXX and XXXX XXXX prey on individuals who they deem unable to fight them back. Apparently this is not an aberration. XX/XX/XXXX, there was a complaint filed Complaint XXXX where another person had GAP coverage and again they refuse to honor their commitment, lie, cheat, and steal their way out honoring the contract. I am frustrated in that knowing there are such scavengers willing to prey on the people who are in need decent transportation with less than perfect credit. Take people 's hard earned money, sell them a vehicle, sell an insurance that you know you are not going to honor, and extort monies from them and if they do n't pay you sick the hounds on them. Perhaps a thorough investigation is needed as to XXXX fraudulent and deceptive practice to unsuspecting consumers.
11/18/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • GA
  • 31313
Web
As evident in the attached agreement, in which I was under much duress at the time of signing on ( XX/XX/XXXX ), the alleged creditor, Exeter Finance, denied me of my right to rescind as pursuant to XXXX XXXX XXXX, considering that this was a consumer credit transaction. This is shown under the section titled No cooling off period. I as the consumer am also being charged outside of the finances charge which is presumed to be the SUM OF ALL CHARGES. To charge me anything other than the finance charge ( e.i. Interest ) is a violation of XXXX XXXX XXXX. The finance charge is also to include an insurance premium which I was not given full disclosures of or offer. If having comprehensive and collection is a requirement for Exeter Finance, then it makes sense as to why it is supposed to be included in the finance charge. The agreement is very false and misleading ( XXXX XXXX XXXX ) as the alleged amount of the final sale is in a positive balance. If I am in debt to another, I would better make this assumption if a negative balance were shown. It is also false and misleading as Exeter Finance is not listed on the agreement as the seller or buyer. XXXX XXXX XXXX XXXX is listed as the seller/creditor on the agreement. If I didnt know any better I would assume I am in an agreement with XXXX XXXX XXXX XXXX and not Exeter Finance just by looking at the signed agreement. I spoke with a representative of Exeter Finance for almost 2 hours trying to resolve the matter on XX/XX/XXXX. The representative agreed with my arguments but the only resolution offered was to surrender the automobile. I also have a copy of a XXXX Certified Search Report from the Georgias Secretary of State. This XXXX is proof that I am not legally obligated to this debt. In order for an alleged debt to be valid it must be recorded with the XXXX of State.
06/11/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30308
Web
I have sent several letters requesting validation and verification of this debt and the original documents and methods used to verify this debt. My requests have repeatedly been ignored. I feel strongly that this company simply can not provide the original signed in wet ink documentation to legally verify this debt per the FCRA and thus they refuse to respond or delete the entry from my credit report. Judging by the numerous complaints on the XXXX website ( I also have a complaint there as well ) as well as them having their accreditation stripped from them, I would be confident in assuming that they don't act in good faith when it comes to amicably solving simple issues like this one. Exeter Finance calls repeatedly from different numbers after Ive requested a legal signed documentation for said debt. Pursuant to 15 U.S.C. 1681a ( 2 ) ( B ) " any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. Under 15 U.S.C. 1681 is the same as it is under 15 U.S.C. 1602 ( I ) which is the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice congress said ANY card. The credit card is my social security card. This is an alleged debt that has not been proven and is still reporting on my credit report. I plan on seeking monetary relief of over { {$10000.00} } for FDCPA violations and monetary relief for violations of the Fair Credit Reporting Act section 616 and 617 for non compliance and negligence and under Federal Trade Commission, Section 813, Civil Liability, under ( 2 ) ( A ). Phone records from my telephone company and letters sent from credit repair agency can be produced if need be.
08/12/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • GA
  • 30252
Web
The auto loan was assumed in XXXX ( in XXXX ), including tax for {$26000.00}. and for 18 month I have been making payments for {$510.00} a month. I called to get a payoff today and was told it was {$18000.00}. I asked how that was possible and was told due to daily interest of 11.37 % on top of the interest on the loan 22.16 % that I was not putting any money towards the car payment, only the interest. I said what I have done to cause my loan to only have my payments go towards interest and not my payments? No straight reply given to me. I XXXX this company to find out that in XXXX in another state, XXXX, they had to pay back over XXXX XXXX dollars to buyers they hurt during these type of scams. More recently, XXXX, their BBB accredidation was revoked for the same scams. They settled on XXXX XXXX for consumers state in subprime auto loan settlements. There is a link provided to read the court matter, judgement, and settlement on the BBB website. You can also find this by XXXX the company name and the word scam out beside it. The blue book on the car is not even worth what they are saying I owe for the payoff. I can't even trade it in and try to get a lower interest rate elsewhere now. I will be upside down. I am on this loan with my daughter. She lost her job due to covid and being XXXX. She had to quit her place of employment due to her doctors instructions. I am trying to pay my bills plus hers. I was hoping to get a different car for her, only to now find out doing that is not an option, do due shady companies like this making it impossible for people. If you look at it the way they have calculated this loan, I have only paid XXXX over 18 months for this car. That is not fair or correct. This is devistating to not able to climb out of a fnincial hole because of compaines taking advantage of people.
12/06/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 77494
Web
I sent a certified dispute letter to Exeter on XX/XX/XXXX requesting for an investigation of the errors on this alleged account that is being reported on my credit report. I sent another certified letter on XX/XX/XXXX requesting for an investigation of the errors on this alleged account that is being reported on my credit reports ; which I did not receive a response back from Exeter, XXXX, or XXXX. My latest certified letter was sent on XX/XX/XXXX to identify the continuous inaccuracies being reported on my credit report by Exeter. I also requested for Exeter to send over proof that the alleged repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL I requested copies of legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle to be provided to me within 15 days from the receipt of the certified mail notice that was sent on XX/XX/XXXX. I pulled my XXXX credit report to review, and I noticed that the account has been re-aged and is now reporting a Date of Last Activity as of XX/XX/XXXX with XXXX. I have requested for this erroneous account to be removed from all bureaus on my credit report. There are several inconsistencies and errors that I identified on my credit report. Under the consumer protection afforded by the FCRA Section 605 ( c ) it is against the law to Re-age an account. I also noticed a comment on the Exeter account on my credit report that stated a payment was made after the account was closed. This is a inaccurate statement, and I am demanding for this account to be removed.
01/25/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • OK
  • 74136
Web
Hello. I began financing an auto loan with Exeter Finance in XXXX 2012 and at that time their customer service division was located in the U.S. Several months ago Exeter out-sourced the entire customer service division to a foreign country including customer service, insurance, finance, and all other matters relating to the loan. I have attempted repeatedly to speak with Exeter regarding new regulations received from my property insurer because the current customer service division is incapable of providing appropriate information regarding U.S. law - can not provide information on insurance requirements or answer questions of any kind. In fact the foreign-based customer service division now utilized by Exeter Finance appears unable to perform any function other than accepting payments. In addition, over the past four months I have received in excess of 7-8 calls per day from Exeter Finance regarding payments. I previously requested to change the due date of the loan closer to the XXXX of the month and it is now due on the XXXX however my pay date is between the XXXX-XXXX each month. A term of the loan provides a ten-day grace period and in each call I state the same information - a payment will be made on the account between the XXXX and XXXX of the month and request that information be noted on the account however it is NEVER done and I receive excessive collections calls from Exeter Finance and I 'm forced to repeat the same information in every call. Also Exeter has now DELIBERATELY MADE IT IMPOSSIBLE FOR U.S. CUSTOMERS TO SPEAK TO U.S. BASED EMPLOYEES AND FOREIGN AGENTS ARE NOT ONLY INCAPABLE OF PROVIDING FINANCIAL REGULATIONS AND INSURANCE REGULATION INFO THEY ARE 100 % UNFAMILIAR WITH THAT INFORMATION AND ARE NOT TRAINED TO PROVIDE IT AND COLLECTIONS CALLS ARE HARASSING AND EXCESSIVE.
09/18/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Confusing or misleading advertising or marketing
  • TN
  • 37128
Web
To whom it may concern, I did a credit application at XXXX dealership and Exeter finance Corp accepted my application & was advertising a down payment is a Violation of Title 15 U.S Code 1662. Violating this code is a Violation of the Truth In Lending Act. 15 U.S. Code 1662. Advertising of downpayments and installments No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. ( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. EXETER FINANCE CORPORATION Is also asking for a down payment which would be a violation of Title 15 U.S. Code 1605 Violating this code is a Violation of the Truth In Lending Act 15 U.S. Code 1605 - Determination of finance charge Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the SUM OF ALL CHARGES, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge DOES NOT include charges of a type payable in a comparable CASH transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges.
08/30/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 34288
Web Servicemember
EXETER FINANCE COMPANY Mailing Address Exeter Finance XXXX XXXX XXXX XXXX, TX XXXX Exeter Finance Payment Processing XXXX XXXX XXXX XXXX, TX XXXX Email Address XXXX XXXX XXXX Customer Service Hours Mon. Thu. XXXX XXXX XXXX XXXX ( CST ) Fri. XXXX XXXX XXXX XXXX ( CST ) Sat. XXXX XXXX XXXX XXXX ( CST ) Customer Service Phone ( XXXX ) XXXX COMPARISON OF EXETER FINANCE AND XXXX XXXX STATEMENTS EXETER BANK DATE PAID XX/XX/XXXX extension XX/XX/XXXXOK XX/XX/XXXX OK XX/XX/XXXX extension XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ONTIME!! **XX/XX/XXXX ( credit report states late 30 days late should be OK ) paid {$500.00} XX/XX/XXXX XX/XX/XXXX extension ( credit report states late 30 days should be OK ) XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ( correct ) ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$970.00} for XX/XX/XXXX. and XX/XX/XXXX ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! **XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX( 30 days late paid {$500.00} )XX/XX/XXXX ONTIME!! ** XX/XX/XXXX( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! **XX/XX/XXXXEXTENSION GIVEN!! ( 30 days late per XXXX credit report ) ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXXPer these figures and facts, there are 13 wrong 30 DAYS LATE per the credit report!! Only 7 of the '30 DAYS LATE are actually correct. 11 are incorrect by stating 30 days late!! Considering these mistakes, how many other mistakes do you think are made?? Per phone call these are the EXTENSIONS GIVEN : XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXXand XX/XX/XXXX
07/29/2021 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32713
Web
For several months I have been writing to XXXX and Exeter about an account reporting to my credit report with them. I disputed the accounts with the three major bureau 's but the information came back as certified by the furnisher however when I have requested information in regards to these accounts I am not receiving all of the documents requested. In the state of Florida a company who repossess a car should provide a notice to the borrower 10 days prior to the sales date and must notify the borrower of the time and location of where the vehicle will be sold. Today, XX/XX/2021 I called Exeter Finance and spoke to a customer service rep XXXX I advised her that I never received notice of the sale or a breakdown of the deficiency balance. She advised that she could not send me that information due to " time sensitivity '' I advised that as a consumer I feel as though I have the right to access information regarding the accuracy of information reporting to my credit report. I then called XXXX and spoke to XXXX XXXX who advised me that she would be willing to arrange a pay for delete for {$1500.00} if I did not request to validate the debt. I told her I appreciate the offer however I have a right to receive this information. XXXX XXXX then advised that the validating information was sent to my home XX/XX/2021 per a letter received XX/XX/2021 when the last time I sent them mail was XX/XX/2021 and as of today XX/XX/2021 the information has not arrived to my home. I called back and notified XXXX that I had not mailed anything to their offices in late XXXX or early XXXX and her response on the recorded line is due to Covid we are possibly backed up. I am curious to know how the bureau were told this information was certified by Exeter Finance or XXXX XXXX XXXX so quickly with the bureau 's
11/28/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • PA
  • 17250
Web
This loan originated on XXXX with Exeter Finance Corp . I called numerous times over the course of the loan, checking what the payoff to see that monies were being applied to principal. It seemed no matter how much I paid the principal didn't go down. I did fall behind and have to put a few payments at the end of my loan. I also double paid some months. I requested copies of their records indicating how my payemnts were being applied and never got them. There is no local branch and their business is in Texas, while I am on the east coast. Really nothing I could do. XXXX XXXX I still owed money on the vehicle which I didn't feel I owed and records were never sent to me. I reached a settlement and paid that now company is telling me some outside agency has my title and they have no way of getting ahold of them. Every person I talk to gives me a different expectation. I know this loan was predatory to begin with and when I was trying to settle it and just getting it over and done with, I was told by the person who took my payment that they in reality could up the charge to what market value was on my vehicle since it has less than 100k miles before releasing the title. There has to be some way to stop their bad practice. This loan has been paid off and is well over 2 years past the maturity date and still I have no title to this vehicle. Had I not moved out of state and required the title I never would have known. This prompted me to check my credit report and they apparently charged it off as bad debt. Absolutely criminal in my eyes. I know they are not allowed to loan money in a few state due to their bad practices. It seems they know people will pay to try to salvage their credit and reclaim their legal documents for the property they own.
10/11/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32244
Web
My vehicle was totaled on XX/XX/2018 I did all footwork to ensure I would not incur any negative marks on my credit. On XX/XX/XXXX I was informed by Exeter finance that they had sent the corrected letter of guarantee to XXXX XXXX to authorize the payment. Today I called them to find the status of the loan payoff and was told that they had not yet been paid by XXXX XXXX. I was instructed to get with state farm to find out why the payment was delayed. I learned that the finance company sent the corrected document to state farm on XX/XX/18. The finance company lied to me. They pretended not to know why the payment was held up when it was due to an error they made, as such the balance increased on the loan when they reported it and caused my score to drop 65 points. I have been working for almost 2 years to build a decent score and was hoping to purchase a home this XXXX. This company purposely held the to collect additional interest and fee on the loan. I was told that the letter of guarantee was corrected and sent on the XXXX. I believe it was sent in correct format to the GAP insurance company only- as they paid the claim for {$7000.00} on XX/XX/2018 but this was not deducted from the balance when Exeter finance reported my account. I was to receive a refund for the warranty that was purchased on the vehicle but the finance company is trying to keep those funds as well since the finance company purposely prolonged the process to get additional interest from me. I honestly have been wronged. I paid this account up until I was hit by state farms driver and made every effort to make sure all documents were sent received and accurate. I believe this company maliciously did this in order to cause me to pay money out of pocket.
02/26/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • DE
  • 19953
Web
In XXXX of XXXX I filed bankruptcy, I was told I had to include it in my XXXX XXXX Fast forward XX/XX/XXXX I attempted to make a payment and the representative stated that the car was up for repossession and I had to pay {$1000.00}, Im confused because I only missed XXXX payment on the XXXX and XXXX payment would be do the XXXX. I made a payment of XXXX XXXX XXXX, XXXX XXXX another payment of {$380.00}. XXXX XXXX the same amount. I even asked for a copy of my payment histories. Unfortunately I contacted covid in XXXX the bill was paid, and XXXX right around this time I made this payment. Unbeknownst to me I was taken out of work due to long term XXXX effects that left me bedridden for almost XXXX months. I was out of work and because I worked retail I was only given a reduction of my hours barely enough to provide food for myself. I explained this to the first representative who was very XXXX and XXXX and was like XXXX XXXX the balance needs to be paid or were taking the car. My only source of protection for myself. I had to borrow money that I dont have, Im thinking Im only a month behind and can catch up with XXXX payment in XXXX. I started a new position on the XXXX but my check will be held until the next pay period. I called and this representative said the balance was {$1300.00}, I had to take borrow from almost everyone and I paid a total of {$810.00}. Which leaves me a balance of {$520.00}. Which means a payment is missing along with {$140.00} seems odd because ot shouldnt be like this. I dont get any confirmations from them, I have no idea whats owed or even if a payment is getting processed. Can you help please? Are companies really doing this? Im not XXXX about being XXXX I have documentation.
06/12/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • CA
  • 92584
Web
On XX/XX/XXXX, Exeter Finance Corp acted in a predatory manner when financing my vehicle. My credit score was under XXXX, I was late on my current vehicle. I had a bankruptcy discharged just a few years prior, and I am female. Exeter gladly financed in the negative equity of the vehicle I was currently late on, $ XXXX.The apr was 18.95 % and total amount financed was $ XXXX. On a vehicle whose purchase price, less manufacturer rebate of {$3500.00}, and cash down of {$2000.00} should have been XXXX was financed through Exeter with negative equity and all for {$25000.00}. My payment was {$580.00} per month.

If this was n't bad enough, a year later I became too sick to work and lost my income. I was unable to make the payments. I was called continuously by Exeter 's collections department even though I informed Exeter that I was on XXXX and told them I had little to no income and did n't know when I might have income again. I asked them to come pick up the car on many of these calls. A few months later in XX/XX/XXXX orXX/XX/XXXX they finally sent a company to repossess the vehicle. It was XXXX XXXX. in the morning. I relinquished the car voluntarily. They sold the car at auction XX/XX/XXXX for {$12000.00}, leaving the balance surplus of {$14000.00}. However, they have continued to add interest daily and my report shows I owe over $ 20k and they have repeatedly reported my delinquency incorrectly since. When I tried to contact Exeter I learned that the phone number they listed on the credit report was a dead end.

I am permanently XXXX and have suffered enough from their damaging tactics in reporting my delinquency to the credit bureaus. I did not plan on getting sick, and I have suffered enough.

05/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • KS
  • 66048
Web Servicemember
On XX/XX/2022 I received a copy of my credit reports. After reviewing these reports, I identified an account that I did not recognize being reported by EXTER Financial. XXXX XX/XX/2022, I sent EXTER a letter disputing the entry and requesting documentation that I had a contractual obligation to pay them a debt. I send this letter via USPS Mail, certified with a tracking number of XXXX XXXX XXXX XXXX XXXX, which was received and signed for on XX/XX/2022. On XX/XX/2022, I received a new copy of my credit report. Upon examining it, I noticed that EXTER failed to annotate my credit report as Disputed by Consumer, in accordance with the Fair Credit Reporting Act, section 623 Responsibilities of Furnishers of information to consumer reporting agencies. Paragraph ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person ( EXTER ) to any consumer reporting agency is disputed to such person ( EXTER ) by a consumer ( ME ), the person ( EXTER ) may not furnish the information to any consumer reporting agency without notice that such information is disputed by consumer. On XX/XX/2022 I prepared a 2nd letter to EXTER Financial and informed them of their error in following the FCRA. That letter was once again send via USPS Certified mail, tracking number XXXX XXXX XXXX XXXX XXXX, which was signed for on XX/XX/2022. On XX/XX/2022 I received an updated credit report, and noticed that not only did EXTER again fail to follow the FCRA, once I informed them of their mistake, they again reported a closed account to all three Credit Bureaus. This type of failure to follow federal law should be taken very seriously, and they need to be help accountable.
01/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NV
  • 89431
Web
I paid my car loan in advance. {$3000.00} XX/XX/XXXX, {$2900.00} XX/XX/XXXX, {$2500.00} XX/XX/XXXX. They agreed to take payments out of this balance until the loan was satisfied or until the balance was exhausted from XXXX. They correctly applied the payments like we had agreed upon for XXXX. Without any contact with me they failed to apply funds from the remaining balance of the lump some payment from XXXX. XX/XX/XXXX I notified them that there was a derogatory mark on my credit stating the payment had not been made. I called when I noticed the payments had not applied from the money I paid in XXXX then they started applying the payments again with no additional money being paid in XXXX. This has impacted me in getting a new car and the payments never should have stopped being applied. They have agreed on several occasions that the derogatory payment should be removed as the error was on Exeters side not mine, but every time its disputed they say the info is correct. How can it be correct if they had my money and it just wasnt applied to the loan for XXXX and XX/XX/XXXX then resumed applying the payments as agreed upon until the loan was paid off in XX/XX/XXXX. Ive had multiple conversation with XXXX employees as well as supervisors over the past 12 months and have been unable to get the incorrect derogatory marks removed from my credit. At this point the derogatory marks are still there and I believe XXXX is no longer acting in good faith to correct their errors that on multiple occasions they have admitted is their fault. Im requesting that the false derogatory information for XXXX and XXXX be removed from my credit. I have provided a copy of XXXX statement that collaborates this information
01/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NV
  • 89431
Web
I paid my car loan in advance. {$3000.00} XX/XX/XXXX, {$2900.00} XX/XX/XXXX, {$2500.00} XX/XX/XXXX. They agreed to take payments out of this balance until the loan was satisfied or until the balance was exhausted from XXXX. They correctly applied the payments like we had agreed upon for XXXX. Without any contact with me they failed to apply funds from the remaining balance of the lump some payment from XXXX. XX/XX/XXXX I notified them that there was a derogatory mark on my credit stating the payment had not been made. I called when I noticed the payments had not applied from the money I paid in XXXX then they started applying the payments again with no additional money being paid in XXXX. This has impacted me in getting a new car and the payments never should have stopped being applied. They have agreed on several occasions that the derogatory payment should be removed as the error was on Exeters side not mine, but every time its disputed they say the info is correct. How can it be correct if they had my money and it just wasnt applied to the loan for XXXX and XX/XX/XXXX then resumed applying the payments as agreed upon until the loan was paid off in XX/XX/XXXX. Ive had multiple conversation with XXXX employees as well as supervisors over the past 12 months and have been unable to get the incorrect derogatory marks removed from my credit. At this point the derogatory marks are still there and I believe XXXX is no longer acting in good faith to correct their errors that on multiple occasions they have admitted is their fault. Im requesting that the false derogatory information for XXXX and XXXX be removed from my credit. I have provided a copy of XXXX statement that collaborates this information
04/07/2021 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30349
Web
After multiple investigations and sending certified letters. It is evident that my FCRA rights and need to remove XXXX XXXX. My FCRA rights have been violated and if XXXX XXXX isn't removed immediately my attorney will have to file a lawsuit in XXXX County, GA. Ive created 5 disputes since XXXX and this credit reporting agency is violating my rights and is not taking my facts seriously. XXXX is continues to report inaccurate information. This account appears on XXXX XXXX report as well so why does the responsibility show individual? Again this company refuses to report accurate information. Exeter shows {$7500.00}. The amount shown by XXXX XXXX is {$7600.00}. Again this is all incorrect. XXXX XXXX and Exeter have a contract agreement for {$7600.00} dated in XX/XX/XXXX ; however, as shown in the statement the amount is shown as {$7500.00}. XXXX XXXX doesnt have a contract for {$7500.00} yet this is the amount Exeter shows which is the original creditor. XXXX also shows as a collection from XX/XX/XXXX-XX/XX/XXXX but how can this be when the account shows an open date of XX/XX/XXXX. Another inaccuracy. In addition, the first date of delinquency was XX/XX/XXXX as shown on the XX/XX/XXXX PDF. Therefore, this account should be removed because of the first date of delinquency. The statement also shows late fees and charges as of XXXX. XXXX shows that this account is on record until XX/XX/XXXX. Thats another inaccuracy as it should be deleted bc of the first date of delinquency. I'm not asking for an investigation as it is apparent XXXX XXXX does not take this seriously. This account needs to be removed based on multiple inaccuracies and the first 30 day late was in XX/XX/XXXX.
10/15/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 76001
Web
XX/XX/2020 I began shopping around for a vehicle and I visited 3 different dealerships. I visited Drivers Select of XXXX XXXX, XXXX, and XXXX. At XXXX, I was approved for a new car. Upon looking at my credit report, all three dealerships ran my credit through several credit approval companies. I have a total of 46 credit inquires across the three credit bureaus within a 7-day time frame. XXXX XXXX XXXX XXXX XXXX XXXX placed a hard inquire on my credit 22 times. I sent letters to each of the individual companies and received a letter stating I agreed to them running my credit by providing the merchant my driver 's license. I did not agree or approve these companies to run my credit 46 times through several different companies, including those I have never heard of. XXXX XXXX could have used the first inquire as it remains available in the system for 30 days. I was preapproved through XXXX XXXX and presented my preapproval to each of the dealerships. Unfortunately, all three of the dealerships ran my credit through several agencies without my consent. I did not authorize these companies to run my credit or view my credit report. I have contacted these companies several times to request the removal of the inquire and even hired a law firm to help, but they will not budge. I also contacted the three major credit bureaus and I did not receive a response. 46 inquires across 3 credit bureaus within 7 days are truly excessive and violates several consumer laws. I would like all 46 inquires removed from my credit. I did not provide written or verbal consent for this to happen and I am saddened and truly devastation I am not being heard. These companies have caused unnecessary harm. Thank you.
07/13/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • AZ
  • 85249
Web
First off I paid off a repo ( that I believe was unjustly taken ) in full through a collection agency XXXX XXXX XXXX At the time ( X/X/17 ) I paid it off they said they would remove the account from my credit report. They were representing Exeter finance who 's response was we do n't know who XXXX is we deal with XXXX so you need to deal with them regarding this account. Fair enough - XXXX sold the account to XXXX XXXX who then sold it to XXXX. I was told the account would be removed from my credit report - It has n't nor do I think it will after numerous attempts to dispute with the 3 credit agencies. That 's complaint number one - Complaint number two that I 'm more upset about is at the time of the repo I was going through a rough time with my wife. She was living in AZ and I was in FL living and working on a project. During that time payments fell behind ( 2 months ) and she called Exeter to come and get the vehicle. Problem is her name was not on the loan agreement nor did they have any business picking up the vehicle at her request. I called Exeter and they could not provide any evidence that they tried to call me personally, all the conversations they had were with my wife. I did not find out about all this until it was well over with. I also spoke with someone in their repo dept and they said they sent a letter to an AZ address explain the loan was in default and they had the right to repo weather it was volunteer not. By AZ law they said that 's all they required to do. I researched it and yes that is true but you must sent the letter to the state where it is registered which was Florida. This is my last attempt to get this off my credit report before I contact an attorney.
02/20/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32244
Web
I refinanced my vehicle with XXXX XXXX XXXX, signed contract date of XX/XX/XXXX. I returned all of the properly signed documentation required to them via XXXX on XX/XX/XXXX. Through a credit monitoring service I found out that my credit score dropped 78 points due to a " missed payment ''. My score went from XXXX to XXXX. I have worked diligently on building my credit up and have NEVER missed a payment. Through research I found out that Exeter, my previous auto loan lender, was reporting the late payment. I have never been late on a payment the entire time I was financed with them. After further research I found out that XXXX XXXX XXXX sent in the payoff EXTREMELY LATE on XX/XX/XXXX. I had already made my first payment on my new account to XXXX XXXX before they even sent in the payoff to the old company. ( I attached the USPS tracking XXXX showing when they mailed the payoff. ) I called Exeter and they are unwilling to remove the late payment. They advised me to contact XXXX XXXX to get it straightened out since they were the ones that sent in the payoff late. After 6 calls to XXXX XXXX I am now filing a formal complaint. XXXX XXXX will not take responsibility for sending in the payoff late. They advised me every time that I called that it is MY responsibility to get Exeter to remove it from my credit report. On 2 different occasions I was told a manager would contact me. Finally a manager called to get the whole story and said he would get with his people and call me back. That was XX/XX/XXXX and I have not heard from them since. This late payment needs to be removed from my credit report since it was beyond my control and absolutely not my responsibility or fault.
05/24/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • NY
  • 11236
Web
On XX/XX/2019 I purchased a XXXX XXXX XXXX at the XXXX XXXX XXXX in XXXX XXXX New York. The purchase agreement was assigned to EXETER FINANCE LLC in Texas, i received the first statement in beginning of XX/XX/2019 and I mailed to EXETER a Certified Check, an IRS form 1040V, a New York State UCC-1 Affidavit Of Ownership filing # XXXX, a Kentucky UCC-3 filing # XXXX where I Register the Certified Check/Security Instrument, all the mentioned items were received by EXETER on XX/XX/2019, on XX/XX/2019 I received a XXXX mail from EXETER/XXXX XXXX stating reception of the certified check and claiming " EXETER does not accept the document purporting to release the customer 's responsibility in the XXXX XXXX VIN # XXXX ETC ... without returning any of the document ( s ) sent ( 1040V, New York UCC-1, the Certified Chek, the Kentucky UCC-3 ). I gave EXETER FINANCE 10 days to return everything received from me if there was any defect for me to correct it they did not, meaning the alleged debt was discharged after the 10 DAYS WINDOWS. They sent me another statement with adjustment of {$44.00} along the monthly payment, I sent them a SET OF GSA BOND ( SF30 Amendment of Solicitation/Modification Of Contract, Optional Form 90 Release of Lien on Personal Property, Optional Form 91 Release of Property from Escrow, SF 1414 Consent of Surety SF1416 Payment Bond for other than Construction, SF1418 Performance Bond for other than Construction to Satisfy/Settle/Close the Account, two days after they received it XXXX XXXX MAILED ME BACK via XXXX everything that they received in XX/XX/2019. They still have the GSA Bond to Satisfy/Settle/Adjust the Account according to the instructions on the bonds
03/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • SC
  • 29410
Web
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. This is where my " XXXX XXXX '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a XXXX - XXXX XXXX XXXX and send it to the credit bureaus to reflect paid on time " never late ''. The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
08/31/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Loan sold or transferred to another company
  • TX
  • 77016
Web
On XX/XX/2018 i called XXXX XXXX XXXX in regards to sending me a letter stating that they sold the account to another lender. The rep from Exeter Finance stated that she could not send me this information and stated that the account is no longer with them, but was sold to XXXX XXXX XXXX and she presented me with the number to call them. I contacted the company XXXX XXXX XXXX on XXXX XXXX requesting for a physical address for the company and the rep stated that she could not give out that information to me. Then i proceed to give the rep the account number that is on my credit reports to see if XXXX XXXX Funds have that account number along with my name/ssn. The rep stated that they do not have anything in their office with that account number, social security number, address or my name. Rep called me back on the same day after speaking with her supervisor stating another company XXXX XXXX has the account and she presented me with the company number. I then contacted XXXX XXXX asking rep about this account, and rep stated that their company doesn't have any information with my name or social security number in their office. XXXX XXXX XXXX sold the account to XXXX XXXX XXXX, which is stated on all three credit bureau reports and stated Paid In Full.This has affected me physically, mentally, and emotionally along with severe health problem. I have requested verification of the debt and account, however the business failed to provide adequate proof. Considering that XXXX XXXX XXXX or XXXX XXXX XXXX does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I am not obligated to pay for the alleged debt.
05/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75034
Web
I sent in a letter on my first police report XX/XX/2022 ( XXXX ) and letter for identity theft. Tracking Number XXXX USPS to have the account removed from my credit report. XXXX, XXXX and XXXX all removed this account from my credit On XX/XX/2022 These items where place back on my credit report by XXXX and XXXX. I called in to dispute these items immediately. I was told I can not dispute these items because the creditor said the debt was mine and the debt had been validated. I asked for proof of validation. I was told that was something that could not be provided to me as consumer. I filed another Police Report ( XXXX UPDATE ) XX/XX/2022 and sent it certified mail ( XXXX ) I attempted to dispute this account again However Experian rep told me the account would stay on my report. On XXXX I spoke with XXXX a specialist that XXXX made me pay for in a membership benefit form. XXXX told me to send in another police report. But there was not much she could do. I explained the COST of sending in information and my lack of transportation due to being affected by the pandemic. Documents sent XX/XX/2022 Tracking XXXX According to the Fair Credit Reporting act 15 USC1681.Section 602A I have a right to privacy. According to 15 USC 1681 Section 604A Section 2 No financial institution is suppose to share my information to a third party. I did not give written permission to have the accounts added to my credit report. I have also attached a recent copy of my FICO report to support and show inaccuracies. This is my second complaint with CFPB- First case number XXXX ( XXXX XX/XX/2022 ) Closed ( XX/XX/2022 ) This clearly violates my federally protected consumer rights
06/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 76106
Web Older American
I took out a loan w exeter finance thru a new car dealer - I paid XXXX XXXX in finance fees - I paid 3 payments - before schedule- I went in hospital with XXXX- XXXX XX/XX/XXXX XXXX I thought the loan was auto pay - it was not In XX/XX/XXXX - my car was broken into through front and damage was XXXX - my insurance - XXXX sent me a check made to exeter finance and myself - I called exeter and explained-I asked to endorse check and send to exeter and said apply 2 payments - XXXX per mo x 2 from check - apply coverage to acct or send to me - exeter agreed and I said I'd XXXX to them - I did and it was received next day - I called and they said they did receive- Now there saying they would return check to me - but held the check - saying they need repair bill - per my attorney XXXX XXXX- she sent them demand letter to return check or apply to my acct - Exeter reported to the credit bureau late payments twice causing my score to drop 100 points and my credit cards interest to 22 % Costing XXXX est - They sent me a letter saying they reported correctly- Exeter is defrauding me - lying to me - On a recorded line they said they would apply to my acct - I paid XXXX XXXX Now ruined my credit by fraudulently reported inaccurate to all 3 bureaus There still holding my check from XXXX XXXX says they will see if they can issue new check- supervisor checking Not the 1st time w Exeter issue XXXX replied Cfpb has numerous complaints on exeter concerning fraud - I want the payments applied to account or check returned I sent in additional payment XX/XX/2020 I want my credit corrected or I'll sue exeter For false pretence and verbal fraud of financial instrument -
11/15/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MD
  • 21217
Web
Good Morning, on XX/XX/2016 I began the process to refinance my car through Exeter Finance Corp. I went on line and clicked the " get payoff amount '' on the website within my account window. I took the screen print of my payoff which was XXXX to my credit union. On the same day I completed the application fort he refinance of my XXXX. In XX/XX/2016 I noticed Exeter was reporting XXXX to my credit bureau. At that point I contacted Exeter an was told that the amount is under investigation and I should call back in a few days time. On XX/XX/2016 I received a letter from my credit Union indicating that they are still waiting for the title from Exeter so that XXXX ( my credit union ) can now become the lean holder. On XX/XX/2016 I contacted Exeter again and spoke to XXXX about my outstanding balance. She verified that I did have a have a 10 payoff time frame which was met and that she is not sure why I have a balance. I asked to speak to a supervisor and was transferred to XXXX. He indicated that my balance was still owed because I did not contact customer service via phone instead of acquiring the pay amount l via the internet. Next I asked him can he retrieve the amount I would have been quoted under the " pay off tab '' in XX/XX/2016. He said he has no way of accessing that information. that time. Lastly, on XX/XX/2016 my payoff became effective XX/XX/2016 however the process date was XX/XX/2016 which was told to me by XXXX a customer service representative at Exeter. As of today XX/XX/2016 I owe XXXX since this balance is accruing. I do not agree with Exeter 's decision to disregard my payoff amount generated via their website.
12/09/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • TN
  • 37122
Web
1. XXXX XXXX XXXX XXXX financed a XXXX XXXX XXXX through Exeter Finance for XXXX $ US at a 18.75 APR % **APR State limit for TN 10 % **No income verification **Willingly and Unlawfully mislead XXXX XXXX into a Unfair Loan 2. For 52 months XXXX XXXX XXXX XXXX $ equating to XXXX $ U.S. ( Borrowed amount Payed back XXXX {$3.00}. In XXXX Exeter Finance was sued for Usury by AG. XXXX office in Massachussets. She secure over XXXX XXXX for consumers in the Mass state for these exact same allegations.- ( XXXX Exeter Lawsuit ) 4. XX/XX/XXXX Corona virus caused XXXX XXXX lost his job as well as extending his licensing process for over 6 months. XXXX XXXX notified Exeter immediately asking for a freeze on account or some kind of extension until the Pandemic eased up and he could get his state license and working again. Exeter denied XXXX XXXX request on mutltiple occassions. 5. In XXXX/ XXXX XXXX XXXX began to be able to work again and reached out to Exeter once more to pay and they denied allowing him to do so. 6. XX/XX/XXXX " Subprime auto lender Exeter Finance has agreed to pay more than {$6.00} XXXX in two states for financing auto loans that the lender knew or should have known were unfair. '' 7. XXXX Lawsuit investigation on Exeter Finance has been spread to 36 states. 8.XXXX XXXX XXXX XXXX XXXX repossessed, company has not reached out to allow him to get belongings from the vehicle such as, Two car seats, electronics and important documents. 9. XXXX XXXX has also personally bought multiples parts for the vehicel such as Tires, Starter, battery bumper, left side driver door, ball and hitch this is not an all inclusive list.
08/08/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • SC
  • 29732
Web Servicemember
Exeter Finance Corp . Gave me a loan for a XXXX XXXX XXXX about the end of XXXX. They applied my first 2 payments ( checks ) to my account that are being paid by a payment management company ( XXXX XXXX ). My 3rd payment, they cashed the check and did not apply the money to my account. I had my payment company provide them there proof of payment as they requested. They cashed the check for my 4th payment and did not apply it to my account again. This being the second time ( 2 months in a row ), I had my payment management company send them the documentation again and requested they refund me the extra interest fees that got charged to the account since they allowed interest to accrue to my account 2 months in a row with and the lender actually had the money. The lender told me there is nothing they can do to refund me the extra interest charges because it posted late to the account and told me they were doing me a favor not charging me late fees. My payment company and the lender setup electronic payments for future payments. The lender has now failed to apply my 5th payment even though it was electronic. I filed multiple complaints through the lender. I was told a supervisor would call me each time and no one attempted to call me. I had to call them back. One supervisor told me he would look into the problem and put a reminder on his calendar to call me back. He never did. Exeter is now forcing me to prove to them again that they have been paid. My understanding is this is a predatory lending practice to attempt to take advantage of consumers that do not know any better or will just give in to the lenders requests.
03/15/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • CO
  • 80634
Web
My car was repossessed byExeter Financing Company and for weeks I called in about my car and how I could set up a resolution or payment. I was told no I would have to pay it all in full. So I called in another time XX/XX/XXXX I called them after XXXX and I was talking to a member like I usually do and she was looking in to my account and thats when she told me that I could setup payment ( my first time hearing this from any of their members or reps so I was shocked ) so me being skeptical cause it was my first time hearing this I asked her if I pay today is there a possibility that my car would be sold in Aution. She said no, I repeated the question she confirmed no, I asked a third time she then said I assure you if you pay today your car will not be sold and you will get your car back I promise ( these are her words ) so she then begin to ask me how much can I pay towards the payment today. I have her the amount and before I gave her my card I asked her again about it being sold she yet again told me no. So I submitted the payment feeling confident and. Finally seeing some progress to this situation. Two weeks later on the XXXX of XXXX year XXXX I get a call after XXXX I could answer so I called back that morning and was told that the car in Question XXXX XXXX XXXX was sold and the balance was not charged off. Im so confused as to why they would do this after telling me that I would be able to get it back which I never received any documents of them telling me that they would sell the car. Ive never signed any documents with company or anything no correspondence through the variation of my account or loan with them
09/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 32404
Web
On XX/XX/ the vehicle I had co signed to financed was involved in a car wreck. The person at fault had XXXX XXXX for insurance. I contacted them within days of the wreck. They deemed the car a total loss. XXXX XXXX emailed that they would send me a check so that I could pay off the car to the lender ( Exeter finance ). Some weeks went by and when I contacted XXXX XXXX they said that they paid XXXX to Exeter finance in XX/XX/ instead of sending me the check. That left a {$400.00} balance to pay off the car. So in XX/XX/ I contacted Gap ( XXXX XXXX ) to move forward with getting the rest of the car paid off. During this entire process I was contact with my lender Exeter finance. They confirmed that they had received the XXXX check in XX/XX/ and I let them know that XXXX said they would pay the remaining balance of the {$400.00}. It may have been a little more. However Exeter finance put a charge off on my account at the end of XX/XX/. They were given XXXX in XXXX. When I spoke to a manager at Exeter finance in XXXX concerning the charge off they said I should of paid out of pocket. The check from the Insurance was mailed to them instead of me. I had no controller over that. I should have not gotten a charge off at the end of XXXX. I worked really hard to to stay in contact with XXXX XXXX and XXXX XXXX to make sure that they received their money to get the car paid off. This charge off should be removed. I did not neglect to pay. Again {$8000.00} was paid in XX/XX/ and only a small amount was left to pay on my XXXX XXXX XXXX. Please remove this charge off. I did sent letters to the credit bereus but nothing was done
04/15/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • GA
  • 30281
Web
I had a car accident XX/XX/XXXX in XX/XX/XXXX I get a phone call about the {$1000.00} I owed. I explained to XXXX that I had been hit by a dump truck and didn't have {$1000.00} that day but I can make payments and give them {$300.00} today and would have to make payments for the remainder balance. XXXX then asked me do I have {$600.00} and the would waive the remainder balance I said I really don't have it but to pay this off in full so when I'm able to drive again and get another vehicle so I paid {$600.00} because she said when I call back it would be higher. She said when they send you the documents sign it or it won't go through. So I did in good Faith. On XX/XX/XXXX they sent a settlement in full me not knowing the verbiage and not reading the letter I said thank you and moved on I thought it was paid in full as I was told on the call. XX/XX/XXXX my score dropped I emailed asking why no response XX/XX/XXXX my score dropped XXXX XXXX I always paid on time and it took a long time to get my score up I called them and they basically told me that I signed an agreement knowing it would be closed not paid in full I said no that's not what I was told. {$400.00} I could make payments until it was done they manipulated me and also received {$13000.00} from my insurance company beyond greedy and selfish it was just wrong, I will pay the {$400.00} for them to reverse this I built my credit up and can't even buy a home now I'm hurt because I trusted her and she knew exactly what she was doing I even asked about my credit and she just bold faced lied. I wish it was more I can do please help me if possible? Thank you
10/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30315
Web
On XX/XX/2021, I disputed Exeter Finance LLC account on my consumer report via XXXX as inaccurate. The account showed a balance of {$15000.00} and highest balance of {$15000.00} and listed Exeter Finance LLC as the creditor. According to Congress, once I dispute the validity of any alleged debts, I will be provided with all 5 requirements to validate the debt pursuant to federal law 15USC1692G. I never received validation. On XX/XX/2021, I contacted XXXX and oXXXX XXXX, I contacted XXXX and XXXX via telephone and informed them of the invalidated and inaccurate information being reported. I asked all involved to stop communicating and reporting for all purposes in regards to me, the consumer, because I, XXXX XXXX XXXX never directed them verbally or in writing to report or communicate anything about me. On XX/XX/2021, I submitted a complaint via CFPB website. On XX/XX/2021 I contacted Exeter Finance LLC via telephone and asked representative XXXX for a copy of my contact and a payoff quote to be sent to me via email. Mr. XXXX transferred me to Ms. XXXX and I asked for the same, a copy of my contract and a payoff quote to be emailed to me. Ms. XXXX stated it would come from a different department in about 24 hours via the email address I provided and confirmed the payoff quote is {$15000.00} and that it had to be paid by XX/XX/2021. As of today, XX/XX/2021, Exeter Finance LLC account is still being furnished on my consumer reports via XXXX, Exeter, and XXXX. I, XXXX XXXX XXXX, never gave Exeter Finance LLC permission to report anything to the credit reporting agency pursuant to 15USC1681b ( a ) ( 2 ).
10/20/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • PA
  • 19120
Web
On XX/XX/2018 I tried to refinance car again. The credit union denied my application again. She said the reason is the car XXXX more than it is worth. My credit is not good enough it need to be XXXX mine is XXXX. My ratio is XXXX meaning that they think that I wouldn't be able to make the monthly payments. I co-signed a car loan for my daughter and her credit is worst than mine. I was trying to see if they would approve it without her this time but it was still a no. We brought the car from XXXX XXXX they said that after 6 months to a year we could refinance the car with a credit union and build our credit up together. My daughter has not missed a payment and never a late payment. I didn't think that we would even be approved because my credit is a maybe and her credit is bad. We were financed through Exerter Finance. I called them and explained that the interest rate was too high could they lower it since were in good standing and never late. The interest rate is XXXX. They said go to a credit union, I said we tried that several times and XXXX XXXX said the same thing the car payoff amount is too much higher than the car is worth. Exerter said they don't refinance. Why is it legal for them to give us a Predatory Loan. How did we even get approved, if a person credit is not good enough to Refinance a car then they should not be approved for a car loan. I would like Exerter to lower the interest rate since we have proven that we can pay the car loan on time. Most of the money is going to the interest and not the principal. Can we sue them for Predatory Loan? What are our rights as a consumer?
10/21/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 76001
Web
The response received was not enough, whereas these companies did not put for any effort to remedy this issue. There was a freeze on my credit for all three credit bureaus therefore running my credit should have been impossible to do. Also, the name and the last four digits of the social security listed do not match my personal information. XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX EXETER FINANCE XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XXXXE XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXXXXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXXXXXX XXXX XX/XX/2020 XXXX I tried to contact the companies directly and was told to go away. I called each of the companies to request removal. I will continue to report your company until the inquiry is removed or the status of an account is positively update on my credit report
10/02/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • IL
  • 62221
Web
On XX/XX/XXXX, I called Exeter Finance and asked for a breakdown of how much the car was sold for, other charges ( interest, storage, cost to pick up ) to be mailed to me. I specifically asked for an Intent to Sale form and a 1099c. They told me that they would mail a 1099c but did not have nor do or use a 1099c and could not provide that to me. I asked them how much I owed and they gave me a total of {$10000.00}. They then told me that I owed the debt to XXXX and not them and to call XXXX XXXX set up a payment system. When I called XXXX they told me that my balance was {$7800.00}. Today, on XX/XX/XXXX, I still have not received an Intent to Sale form in the mail. I called them today for an update and asked why XXXX said I only owed the {$7000.00} but they are charging me {$10000.00}. She stated that the car sold for {$6300.00} and I was charged for other things such as the preparing for auction, the cost of the car, late fees and the cost to pick the car up. I am not sure who I would pay the other {$3000.00} to if XXXX is only charging me for what is the remaining balance on the car. She noted that she sent me a breakdown of the costs on XXXX of XX/XX/XXXX but they sent it to the wrong address and I never received it. I requested another breakdown of everything I was charged for that she listed plus any other charges. I would like them to send me a complete breakdown of all the charges to ensure I am paying an accurate amount and not being held responsible for something I should not be. This is the second time I have had to request this form and would like to resolve this debt.
01/20/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • WV
  • 24740
Web
In XX/XX/XXXX I entered into a car loan through XXXX finance. I was quickly handed the paperwork to sign and given the keys. Even though I had subpar credit they are a company that practices predatory lending. Multiple lawsuits in states against them. 25 % Apr without a clear outline as to what exactly that means, as far as how much is applied to the principle. We have been paying on this car for over two years and little to no progress on what we owe. The car has XXXX miles now and only books for about XXXX even though its a XXXX and we still owe more than the original sale price of the car or right at the original sale price. Not to mention a XXXX dollar a month payment. I think their paperwork is vague and does not explain exactly what youre getting into. They are predatory lending and now in the wake of a pandemic I can either struggle to pay it, voluntarily surrender the vehicle, or file bankruptcy and ruin our credit. We can not sell or refinance due to loan to value ratio. This company has lost their XXXX accreditation according to the site and they should be shut down. I understand there is already limited options for subpar borrowers but you will not prosper with this company they take complete advantage of you and your situation. Youre better off to pay cash for used vehicle or finance a very cheap used vehicle. I have a good income but this car costs as much as our home. Yes we knew the payment when we signed but what we did not know was the way they apply capital to the principle of the loan. Exeter financial needs to be stopped from taking advantage of consumers!
12/03/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • NJ
  • 08016
Web
My name isTheresa XXXX XXXX. I am a XXXX age XXXXyrs old. I live at XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX. Please I really need your help. I bought a car, XXXX XXXX XXXX year model. The finance company is Exeter Finance. Address of Exeter is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. Their phone number is XXXX. I bought the car XX/XX/XXXX. Loan # is XXXX. The problem taht I have is that I finished paying off my car and now I am getting threats from Exeter Finance saying that they are going to repossess my car. They said I still owe them {$1200.00}. They called me on XX/XX/XXXX. I was scared when they said they were coming to get my car despite teh fact that I have paid them {$11000.00} to date thinking I had paid off my car. I paid them {$600.00} by phone from my Social security payment. Then on the very next day, XX/XX/XXXX at about XXXX they called again demanding for more money. I told them I did not have any thing more since they took the chunk of my XXXX pay, net for XX/XX/XXXX and I only had a small amount to live on. Then I went to the non profit in XXXX XXXX and they suggested I file a complaint. They helped me call Exeter Finance but to no avail. I feel I have been cheated. The car payment was {$320.00} per month for 63 months at 28 %. I felt so proud that I paid them off the total of {$22000.00}. For a {$12000.00} car, I paid {$22000.00} for it. I still did not get my car title. Please can you help me get my title and investigate the excessive payments I am still been charged. I will like a refund of any excess payments I have made. Thank you.
08/27/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • PA
  • 19013
Web
XXXX Reply XX/XX/2018 Confirmation # XXXX Exeter stated that the XXXX XXXX is XXXX XXXX XXXX in which XXXX XXXX XXXX on XX/XX/2018. Exeter Finance repurchased the account in XX/XX/XXXX and XXXX XXXX confirms that they notified the bureaus to delete there trade line. Exeter has different information on all 3 credit bureaus different amounts and stating that they sold the account to XXXX XXXX XXXX. wrong payment amounts showing {$73.00} as they reported to Equifax on XX/XX/2018 report. On XX/XX/2018 Exeter responded back to the Consumer Financial Protection Bureau on XX/XX/18 ( Case # XXXX ) that they in error made a mistake and repurchased the account back from XXXX XXXX systems as stated by the letter mail to me from XXXX XXXX XXXX on XX/XX/2018 that Exeter repurchased the account. as stating on the credit bureaus Exeter states they sold the account to XXXX XXXX XXXX in which is in error by the letter I have uploaded as proof. Exeter has not cleared up the correct information on my credit reports and still after months has it as XXXX XXXX systems as XXXX XXXX. I have also filed with the US attorney office consumer complaints in Texas, PA, Nevada on Exeter Finance to the issues at hand and there reply back to the Consumer Financial Protection Bureau reply to the case XXXX there has been nothing but the run around with XXXX XXXX XXXX about there error they admitted to. All the transfer/sold is in error being they bought the account back so there should not show on none of my credit reports as Transfer/sold due to Exeter bought the account back from XXXX XXXX XXXX
12/12/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Denied request to lower payments
  • GA
  • 30060
Web
I purchased a vehicle from XXXX on XX/XX/XXXX. I was able to get financed through Exeter Finance ( XXXX XXXX XXXX, XXXX, TX XXXX | XXXX ). The total cost of the XXXX XXXX XXXX XXXX was {$12000.00}. On XX/XX/XXXX the vehicle was stolen from me by a homeless man. He was later found in possession of the stolen vehicle after he crashed it while trying to abscond from a XXXX XXXX, GA police officer. My insurance company ( XXXX XXXX XXXX XXXX Georgia ) offered me an unfair settlement amount and I am currently in an active dispute with them over the {$5400.00} they tried to give me for my three month old car. While all this has been going on, I have still been responsible for the monthly payments to Exeter Finance. I have been unable to make them. I had to purchase another car to replace the one that was stolen and can not afford both payments. My bills are behind and I have pleaded for help several times with no response to any of my letters. I have also called them and asked for them to work with me, they denied helping me refinance the vehicle, defer payment, and completely disregarded my phone calls and letters and just keep sending bills and reducing my credit score. Not only has this affect me, but it has also affected my mother who co-signed the vehicle for me. Her credit score has reduced significantly. We are both victims of another person 's crime, but have been treated as if we are the criminal instead. I am in over my head with all of this. I need some help. No one will give me a break. Please if you can help me somehow I would greatly appreciate it.
04/24/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30067
Web
I had a XXXX XXXX XXXX XXXX with Exeter Finance Corp . I have had issues with the company from the start with their collection tactics as well as the predatory interest rate I had with them. I voluntarily surrendered the vehicle back in XXXX XXXX . On each occasion I contacted the company to make sure that this will show up on my credit as a voluntary surrender as well as contacted to see when they would pick up the vehicle. I havent heard anything else from the company since I had made initial contact. I checked my credit on XX/XX/XXXX and discovered I had a charge off from the company. I immediately contacted them by phone where I verified my current address twice with them. I asked them why they havent sent me any accounting of my account with them. They stated that they did and they received a return sender letter. They also stated that I didnt update them with an updated address even though I have had the same address since the beginning of the loan. I requested that they send a copy of the return sender letter for proof they did attempt to send me an explanation of proceeds in which they couldnt provide. It wa s one r epresentative that I spoke with that went as far as saying that the charge off was going to stay on my credit because I didnt comply! I never received anything from the company to comply with! A manager at Exeter stated tha t I should dispute this issue directly with the credit reporting bureaus. The lack of assistance, unlawful reporting and unethical, deceptive practices by this company is extremely frustrating!
08/19/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33860
Web
There are two reporting errors on my current loan and credit reports. Exeter is reporting me late 30 days on XX/XX/XXXX and XX/XX/XXXX in the amount of {$350.00}. First, I was never late in XX/XX/XXXX as seen in the provided documentation. Second, I applied for a hardship extension in XXXX of XXXX and was told over the phone by a customer service representative that I could indeed push a payment to the end of the loan based on the fact that I had been unemployed but was currently reemployed and needed time for my payroll to start before I could make a payment. One can clearly see that XX/XX/XXXX is missing from my payment history and there is an extension notation on the right side of the provided documentation which accounts for this. This however has nothing to do with XX/XX/XXXX which clearly shows as paid. I believe these two months to be mixed up somehow. When I called to have Exeter correct this information I was told by a manager that it was illegal for them to correct any reporting to the bureaus. This call occurred on XX/XX/XXXX with XXXX XXXX ; I asked her where specifically it was stated to be illegal to correct erroneous information according to the FCRA and she proceeded to tell me : " that is just how we do business at Exeter and it would not be fixed ''. I then asked her if our call was being recorded, she said it was. I am currently getting my credit in order to buy a home and so have just recently noticed these inaccuracies. Had I noticed sooner I would have taken action sooner. Thank you for you help I certainly need it.
07/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MO
  • 65251
Web Older American, Servicemember
In XXXX, following a divorce, I bought a XXXX XXXX XXXX, I lived in Florida at the time. In XXXX, with my finances in a mess, I filed a chapter XXXX Bankruptcy. I would have filed a chapter XXXX, but I did not qualify. At any rate, the car was part of the chapter XXXX, but with a reduced payment from the Trustee. In XXXX I determined that I would file a chapter as financially I qualified. My lawyer agreed and drew up the paperwork, taking XXXX for the chapter XXXX. In a meeting in her office a week or two later she told my I did not qualify as it had not been long enough since my last Chapter XXXX. I contact Exeter Finance to try to work something out to keep the car, but they wanted me to pay the {$6000.00}, and that was not possible. At that time, I contacted Exeter finance and surrendered the car to them. At some point thereafter they sold the car. They violated Florida law when the sold the car, as Florida XXXX states that they must notify me of the time, day, and location to the sale at least 10 days prior to the sale. Exeter Finance then reported to XXXX that I owed a deficiency of {$23000.00} and XXXX under public records as included in bankruptcy. XXXX, Exeter and XXXX are refusing to correct the information even though they have been informed that Exeter violated Florida law when the sold the car without notifying me. In addition, the chapter XXXX Bankruptcy was dismissed in XXXX and XXXX has been advised to the same, but refuses to either remove it from my credit file or put a note that says the bankruptcy was dismissed.
08/12/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • GA
  • 30517
Web
Exeter finance has continually misled to me and admitted their mistakes on a recorded line. They sold me a loan and lied to me how much interest I was paying and how it was accruing.In addition their collection activities have been harassing at work and they have not complied with Georgia rules and given me enough notice XXXX is my account number I have spoken with XXXX and XXXX at their company and they give a list of excuses. They stated and admitted they have made mistakes in their verbal conversations and are constantly not meeting compliance on my account on verbal recorded lines. I am requesting the interest rate I was advised by Exeter upon the receipt of the initial loan 19.71 percent is what I have and I am requesting it to be the 10 percent I was advised. They are sloppy in their training of employees and they are not advising me correct information as when my vehicle is for assignment and notices given. They have distorted truth and admitted to their mistakes verbally but have n't cured them. I was told it was an installment loan annual interest accrued. Instead they gave me an vehicle loan of interest calculating the loan. Their notices after making a payment were not compliant with Georgia on the XXXX day. I made a payment and was told verbally that would negate the notice. Now they are saying after given the money they do n't have to meet compliance. I was never explained the terms of my loan and now I am stuck with this interest rate. Exeter finance never explained the loan to me and has misled me since inception.
05/21/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • TX
  • 76548
Web Servicemember
Around XX/XX/2014 I obtained a loan from Exeter finance to acquire an XXXX XXXXXXXX XXXX. Months after I obtained the loan my parents house was about to get foreclosed on. I called Exeter finance and asked if I could make 2 late payments due to unforeseen circumstances. The customer service representative said that she could do better than that. She told me that she would put my next 2 monthly payments at the end of my lease so that I don't accumulate late fees. It seemed like a very simple task until not even 6 weeks later my car was repossessed for non-payment, a payment in which was agreed would be moved to the end on the loan. I called and tried to get everything sorted out and they told me they didn't receive my agreement, I sent them the information showing them the agreement and the representative told me it was too late and that I would have to pay almost {$4000.00} in fees that were assessed. The company illegally repossessed my car for purposes that were the fault of the company and weren't willing to take the blame or make it right by returning my vehicle even though they acknowledged their fault in it. The company therefore broke an agreement made between the company and consumer and it needs to be remedied. I have contacted XXXX as this item should have never went on my credit report, it is a fraudulent loan due to agreement terms being broken by the company. If this item isn't removed from my credit report, I will be pursuing charges and contacting the FTC to pursue fines for unfair and unethical practices.
11/06/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem while selling or giving up the vehicle
  • MO
  • 63135
Web
On XXXX XXXX XXXX I cosign for my sister a car in which later me and her had a problem getting on the same page about the car and insurance and payment in which I made the decision to take the car back to the dealership to have them take me off the loan or take the car back. I spoke to the finance manager XXXX XXXX on friday XXXX XXXX 2017 in which i had the car with me to return it was at XXXX which she stated that the finance place that she went threw was closed and said that she will reach out to me on XXXX at XXXX in which she didnt so around XXXX when i got off work i went back to the dealership which is XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Mo. XXXX and spoke to XXXX XXXX again and she said when she got to work this morning and said they said it was to late the loan has been sent already. I ask for the number to call and speak to them and she did so I called and talk to an rep name XXXX in which she stated that she couldnt give me here last name i said ok i gave here my name and social to look up the account she said that there was not an account yet because it takes up to 30-45 days i told her that i was trying to return the car because I didnt want my name on the car because of personal reason she then stated that the dealership can do that since there is no loan yet so I had them page XXXX again told her what the young lady said she said that they dont know what they are talking about and there is nothing that she can do and i told here that she can and she said there is not so i decided to take the next steps.
01/12/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • NY
  • 14094
Web Older American
in XXXX XXXX XXXX - while in an active XXXX XXXX - my husband and I needed a newer car. The trustee allowed us to assume this new debt. The only lender the car dealer was able to find willing to finance us being in an active XXXX- was Exeter Finance- out of Tx. When I did not get my statement in XXXX for my first payment - I called them. They said because I was in an active XXXX XXXXXXXX they were not allowed to send me statements. My XXXX attorney issued a letter saying that I needed to have statements- and I realized receiving them was not attempt to collect a debt. However they refuse to send me any info regarding my loan. I was told by one person I spoke with in XXXX that once the XXXX XXXXXXXX was officially discharged they would allow me access to my account. When I called yesterday as I could not log on- they said because of the XXXX XXXXXXXX I would never be able to see the activity on my acct for the life of the loan. I am now looking to refinance- and have learned that this loan is not on mine or my husband 's credit report. I called them again- and they said because of the XXXX XXXX their policy is not to report it to the bureaus. I feel this is all very suspicious. I have a loan - that I have no idea what I owe - if my payments are being processed - and the loan has not been reported to the credit bureaus. It seems that this is illegal. I need help - repaying this loan would help my credit score after the XXXX- and now it's hidden from view. How can I refinance when a new lender can not see it?
11/23/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30291
Web
I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit as described in ( XXXX XXXX XXXX ) and was extended credit in a consumer credit sale, they are now claiming that they originated the credit I extended to them in which constitutes fraud, The alleged transaction included a finance charge ( sum of all charges ) and the finance charge includes insurance in which this organization did not include my insurance and my finance charge pursuant to federal law ( XXXX XXXX XXXX ) they have committed fraud and several violations of the XXXX and XXXX. They are now threatening and harassing me for an alleged debt that they claim I owe I never received a material disclosure of any of the information that was supposed to be provided to me, they have taken an unfair, unscrupulous advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous, false allegations on my consumer report. They act as if they are unaware of what I am requesting or that the law does not apply to them and Ive included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law. Their willful non-compliance has damage my reputation as well as my credit file.
08/24/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • IL
  • 61702
Web
In XX/XX/2019 my XXXX year old XXXX died and I was desperate for a car so I went to XXXX in XXXX WI. I had a bankruptcy on my file but other credit cards with exceptional repayment history. The only loan they offered me was Exeter Finance in Texas at 28 % interest. Normally I would NEVER take out a loan with this high interest but I was desperate. They should NOT have approved me for a loan at all!!!! XXXX told me I should be able to refinance it in 6 months. So I called Exeter at 6 months and they refused to refianance the loan. There is also an arbitration clause in the agreement that they demanded I sign and I was unaware of what it really meant at the time. They went through the paperwork so quickly I don't even remember signing it! Now it's over a year later and with COVID I've missed about 6 or 7 payments. They put 4 payments at the back of the loan and told me I would still be paying interest on the missed payments so I would owe even more money so it really was no relief. I've told them to come repossess the vehicle but they haven't done it. I even had it parked in a paid garage to keep it from damage!! To date they haven't picked it up. I had to move it because I cold n't afford to keep paying for the covered parking garage for it. They refuse to refinance and refuse to lower the interest rate. This is a {$19000.00} car! I owe {$24000.00} plus on it!!! More than I originally financed! The payment should be no more than {$250.00}!! This is the equivalent of a {$45000.00} car!!! It's predatory!!!!
05/27/2021 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • IL
  • 60619
Web
Exeter Finance sold my debt to XXXX XXXX. I contacted XXXX XXXX and settled the account through another third party XXXX XXXX. When I contacted XXXX XXXX about account updates and the release of the title to the vehicle they told me I had to contact Exeter Finance. When I contacted Exeter Finance they said they had to wait until XXXX XXXX to update their system to change the account to settled. I contacted XXXX XXXX and they said I had to wait two weeks for the update and for them to receive notification for Exeter Finance to release the title to them. Recently, I contacted Exeter Finance to see if they updated the file on the credit report to being reported as settled because they stated they do not remove settled debt from credit reports. Over the past weeks I received non stop phone calls from Exeter Finance because I filed a dispute. The employee even left messages. I called them to back to see the problem and I was never connected to the employee. Today the employee called me today asked me to check my credit report and told me the line was being recorded. Did what she told me to do but I did not feel comfortable. I called Exeter Finance back and they gave me XXXXXXXX XXXX XXXX number. I called again and asked for a supervisor. The supervisor told me that their practices are legal and because I filed a dispute online they have a right to contact me and ask me what is on my credit report. Is this legal. I only requested the account to be updated to settled by Exeter Finance and report it accurately.
01/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60169
Web
As of today XX/XX/2022 I have reached out to Exeter finance. I was reaching out because I have been late on paying my vehicle and I wanted to get out of the loan because it seems as if the loan is not going down and I am experiencing loss due to the pandemic as well as other bills piling up. I had reached out to them to let them know what could I do in the mean time until I sold my car, which I had planned to do the following Monday, so that way I wouldn't be to delinquent. I asked the company if my vehicle had entered into repossession status. They had informed me that it had not. So I said okay Ill be okay for the weekend until I figure out what I am doing. Mind you they have all these calls recorded as I started doing after running my credit to get another loan and finding out they had reported a repossession status after telling me they had not. I have the calls recorded with their knowledge, after I had asked AGAIN if they had in repossession after speaking with the dealer they told me they did not and they never did. I am appalled with how they have handled this matter. I am close to losing my mind. They have reported late payments instead of deferments, they have charged crazy late fees, and they refused to provide me proof of the fact that my vehicle was not in repossession status. I have all recorded phone calls. I would like for Exeter to be done. They are leeches. I have had this loan for more than 3 years and owe more than what I originally financed. It makes absolutely no sense whatsoever.
12/08/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem related to refinancing
  • IN
  • 46214
Web
On XX/XX/2020 I made my car payment of XXXX to Exeter Finance Corp On XX/XX/2020 they called and told me my car payment was past due and I had a balance of {$5300.00}. I asked why was my payment so high and they told me my loan was at the end of the agreement and that I had to pay the amount in full by XX/XX/XXXX. At the time I was trying to get my home and I knew that I could not afford to have another late payment. I had been doing so well. So I thought I could come up with the money I was running out of time. So I went to my bank XXXX XXXX XXXX XXXX on XX/XX/XXXX and asked about a loan. My banker talked to me about my options and she suggested I refinance. So that is what I did. On XX/XX/2020 XXXX XXXX XXXX XXXX mailed out the check that same day. On XX/XX/2020 Exeter Finance Corp called me and asked about my payment. I let them know that a check was mailed to them by XXXX XXXX XXXX XXXX. She asked me was it the full payment of XXXX and I said yes she said she was putting the notes on my account. On XX/XX/2020 I notice that on my XXXX report my credit score had dropped 40 points and 60 on XXXX. I looked to see that Exeter finance had reported my account as a late. I called Exeter and asked could I speak to a manager and the guy asked what was the issue I told him that I had gotten my car refinanced and my check was submitted on XX/XX/2020 and they still reported my payment late. He told me that his manger wouldnt do anything because they didnt receive my payment until XX/XX/2020.
04/14/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • FL
  • 34269
Web Older American
I had a XXXX Nissan Altima financed with them for just over a year with no problem. XX/XX/XXXX. I called to try and get XXXX. payment deferred they said that would be no problem. They took the payment anyway then claimed that the finance department did n't get the paper work on time. I was told that the payment {$310.00}. would be back in my account within 24 to 48 hours. Three days later I was told that I had to send them my account information in order for them send my payment back, which made so ne since to me because I had the automatic withdrawal so they should already have that info. I was also told that it would be 7 to 10 business days for me to get my money back. I was also told that I would have to email the account info. to them. I went to exeterfinance.com like I was told. I did not get Exeter finance, I got an error message saying " the page could not be displayed ''. When I called back again, I was told that I could give my account info over the phone. Every time I called to get this resolved they pushed to date back for getting my money. My electric was shut off because of this. I told them that I was going to get my car refinanced to get it away from them. Which I did, they were notified of this and they took the next payment deliberately. Now they tell me that it will take a month to get that payment back. I have reported this to the F.B.I. on their payments scam website. My next step is to contact The Federal Trade Commission and the XXXX and the XXXX XXXX XXXX.
06/01/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • SC
  • 29607
Web
I purchased a XXXX XXXX XXXX from XXXX XXXX on XX/XX/XXXX, and financed with Exeter - two RISCs were signed, one on XX/XX/XXXX, and the other on XX/XX/XXXX. The dealership lied to me and stated that the optional products that I purchased were required in order for Exeter to finance the loan. I purchased GAP for {$890.00} and an Extended Service Warranty for {$1400.00} [ total : {$2300.00} ]. Also, I submitted a cash down payment of {$1000.00}. Further, the dealership told me to tell Exeter during the confirmation call that I had a vehicle that was used as a trade-in for this deal, a XXXX XXXX XXXX XXXX- the dealership said that they purchased this trade for me through craigslist, in order to use towards the down payment. I informed Exeter about the optional products that the dealership said were required to purchase, and Exeter did nothing about it, they told me to call the dealership and dispute my issue with them ; the dealership said to contact Exeter because they are the ones who funded the loan and required the optional products. Exeter repossessed this vehicle around XXXX of XXXX and sold the vehicle at auction. I asked Exeter to refund me my down payment which was applied towards the optional products multiple times but they refused to do so. After conducting research, I discovered that I am entitled to a full refund of my down payment and car payments since Exeter unscrupulously accepted and financed this loan, they lied and the dealership lied - I want my money back.
11/15/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem related to refinancing
  • NC
  • 27713
Web
my name is XXXX XXXX. I got a car loan from Exeter finance company, then my bank XXXX XXXX XXXX XXXX did a refinace on my XXXX XXXX XXXX. they sent Exeter finance a payoff check on XX/XX/XXXX. Exeter said the payoff check was sent the wrong address so they did not due the refinance, also with that check was the monthly payment for the car for XXXX Exeter cashed that check. we got the right address and sent another check on XX/XX/XXXX for a payoff without even receiving the first payoff check back.so i was told by one of the Exeter employees that the payoff check an another montly payment checks was received but by the mount of the payoff check being so large it took days to process but they processed the small one for the monthly payment. so a few days later i contacted exeter employees to see if the check was cleared and they said yes and that some how i still owe an XXXX dollar balance the XXXX was paid and i was told that everything was good the refinance was good. One week later i got a phone call from exeter saying that i was late on my monthly payment. I told Exeter that it was not possible that i was late due to the refinance i was not with them anymore and they said they didnt have any of that information about a refinance on file. they also said they received a second check. I really need a answer Asap because im also paying my bank for the refinance for two months now. i cant afford to keep paying exeter extra money.for two months they have took extra money from me
03/16/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33896
Web
This is my second complaint submitted to this company since they responded but did not respond to what was requested by me, which was to validate with physical information that I was the owner of the account that they published in my credit report. They replied that there was not enough evidence and that the vehicle was replaced at the address where the account was opened. Today I sent you a correspondence via email requesting a very respectful investigation according to the federal guidelines of the fair credit law. I sent them physical evidence that validates that I am not the person responsible for this account since they requested more evidence. I am going to attach to this complaint all the documents that I sent you today where they show that I did not live at this address and even shows a false driver 's license that a person used to open another account that was already disputed and eliminated even more. I sent them a picture of my real driver 's license and sent them the florida website where they can validate which license is real and which is not. This account is doing me a lot of damage and outside says that they could validate that the account is mine but in all the letters they send me do not validate me with any document that shows that the account in mine, I have sent several documents validating that I was a victim of fraud and they are not paying attention to these documents, but today as I mentioned I sent you substantial evidence that proves what I argue.
01/03/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AZ
  • 85138
Web
On my credit report XXXX XXXX XXXX pull my credit Twice gave me more inquires so on XXXX saying iam Delinquent and XXXX XXXX , XXXX , ... .Iam unemployed from XXXX in XXXX XXXX Utah XXXXMe my wife fell down got hurt.She fell XXXX XXXX i XXXX XXXX we tried working one light duty but XXXX Ast Manager over work us, and XXXX XXXX says we have to stay working for XXXX to get paid.We could not get better.we are under doctors care.MXXXX wife quit XXXX i quit XXXX turn in uniforms ect.XXXX XXXX of utah refused to pay us any XXXX because we dont work for XXXXThat is Stupid law to keep working for same Company you get hurt at.Walmart employees managers make us work so hard we gone to XXXX and not getting better.Got behind on Mortgage XXXX / XXXX XXXX each one would Not XXXX XXXX Clean so we can get to our property.Sometimes we had to stay in Motel for XXXX due to rainy days muddy.Now we tempory live here in arizona we are broke no money now to get back home.XXXX XXXX we ask them for over XXXX we was in SC and Utah for Inoice 's but they never sent us one.We should of had payment coupon Booklet there interest Rate is so high 26 % and we always paid {$50.00}. more amonth our payment is $ XXXX.we paid $ XXXX.most of the time.Payments due on XXXX of each month plus grace period of 10days.But XXXX credit report had 2inquires.Now we trying to get those off credit and get arangements to get lower payment and get up to 45-90 days get caught up.We always paid on time on all our bills.
10/22/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • MA
  • 01201
Web
On XX/XX/18 I pd monthly payment of {$450.00} @ that time asked how many payments left due to my 6 yr loan was reaching maturity. I was told XX/XX/18 was last payment, but I had rolled over 6 payments to the end of the loan when I had lost my job, so I figured it was 6 more months after XXXX. But I was informed that in XXXX I would owe my last payment of {$450.00} & an additional {$13000.00} for interest accrued for 2 payments that were 60 days past when I was out of work. ( BUT I HAVE MADE A MONTHLY PAYMENT ALWAYS ) I was in shock & stated I could not pay this & new nothing about it. He stated that letters were sent to my online account ( WHICH I DO NOT HAVE ) & they did not need to send me anything in writing. At this time I asked what happens if not paid & was told even though loan had reached maturity they were going to REPO my car in XXXX for the interest owed. They stated that they DID NOT NEED TO SEND REPO PAPERWORK BY MAIL & would just take the car in XXXX. BUT he also stated that EXETER FINANCE CORP out of TEXAS could decide to WAIVE the $ $ $ or LEAVE it what is was & make me pay $ $ it. They make the final choice. I NEED HELP before it gets to the point of them taking my car after I paid if for 6 years & DON'T GET HOW THEY CAN XXXX IT IF THEY CHOOSE OR MAKE YOU PAY SUCH AN OUTRAGEOUS AMOUNT OF MONEY. I have NO DOCUMENTATION due to the fact that they NEVER mail anything to me & I have requested numerous times to have things sent to me & they IGNORE MY REQUEST
08/28/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • GA
  • 30102
Web Older American
On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX in XXXX, Ga. on XXXX XXXX XXXX to trade in my XXXX XXXX XXXX for a later model of the same. After being there for 6 hours I left signing my contract and didn't know the trade in was not included. Last week my bank took the payment out and I called them and told them I had traded the car. The bank informed me they had no paperwork of the trade. I had sat down with XXXX XXXX, General Manager of XXXX XXXX XXXX and told him the reason I was there. I had made an appointment with him previousely. XXXX XXXX then assigned XXXX XXXX to help me with my trade/sale. She asked about my car and the lienholder, and mileage. I had no idea the car had not been traded until last week. I had been trying to communicate with dealership to see if they can redo the loan and no one is getting back with me. Friday I went to the local precinct because I was told the car wasn't traded but XXXX XXXX said the car was not there. It was on the lot for 30 + days and no one never tried to call and tell me that the car was not traded. I was asking for my loan to be modified to include the trade. I am on social security and a part time job and I can not afford 2 car payments. I should have never got approved for a second car with my debt to income ratio without one being traded. I was negligent in not realizing my trade was not included in this loan, the dealership is also negligent by pushing through a loan my income surely indicates I can not afford 2 loans.
09/10/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • AZ
  • 85340
Web
I was recently in a car accident and my car was totaled out. The insurance company paid Exeter Financial approximately {$6200.00} and because I do not have gap insurance I still owe approximately {$5500.00}. I immediately called Exeter Financial to see what they could do to work with me being that I no longer have the car. XXXX of the representatives said that I must still pay {$390.00} per month or I will be charged for interest and late fees. I said I did not know what I could do and was contemplating bankruptcy. Before I know it I am receiving collection calls for my car payment due XXXX/XXXX/2015 even though they just received a check from my insurance. Exeter Financial has a good contact number for me and knows my place of employment. After being only 4 days late representatives started calling my relatives. A lady named XXXX called my ex husband and said I told her to call him. I never gave permission to call my ex husband or any of my relatives especially being they have more then XXXX good contact number for me. I immediately called Exeter Financial and spoke with a supervisor who said she would look into the call. However, XXXX will not stop calling me and my relatives. The last time she called I said I do n't want anymore calls to my cell phone and XXXX Stated " the collection calls will continue ''. I want these representatives to stop calling my relatives and my cell phone over and over again. They will not work with me at all and now I am being harassed.
02/19/2016 Yes
  • Mortgage
  • Other mortgage
  • Application, originator, mortgage broker
  • VA
  • 22408
Web
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Exeter finance corp on my XXXX REPORT This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Exeter finance Corp XXXX XXXX, XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. Sincerely, XXXX XXXX XXXX
06/08/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • WI
  • 54421
Web
I got auto financing through XXXX XXXX ( XXXX XXXX ) with Exeter Finance. These are BOTH dishonest, unfair companies to go through. I put $ XXXX down on a XXXX XXXX XXXX in XXXX of XXXX. The amount that was financed was $ XXXX and some odd dollars. TODAY, a whole year later, the amount of my payoff quote is, get this : $ XXXX! I am now a single mom, who lost her job to COVID-19, and Im struggling to keep up with my bills. I contacted Exeter Finance to try to work things out as soon as I learned that I wasnt going to be allowed to come back to work just yet. The representative I spoke to said that they would put 2 months of payments on the back of the loan and that would help with or take care of some of the interest fees. This was told to me in XXXX of XXXX. TODAY, Monday XX/XX/XXXX, I called Exeter Finance again to see how come my loan payoff is MORE than what was financed. I got the run around and had to pull teeth to get a direct answer for one and for two, I was told that ALL of my last payment got applied to the interest ONLY and NOTHING went to the principle! I wonder HOW MANY TIMES have they done THIS ; quite often Im sure because theres NO WAY that my payoff amount should be MORE than what I had financed, this is highway robbery, and now, during a global pandemic, is the WRONG time to be pulling this mess! This company lied to me, didnt inform me on how my payments would be applied, and refuses to do ANYTHING to make this right for me, the consumer.
01/26/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • IA
  • 50317
Web
The company? its you, you do all the reporting correct on credit reports well its you that made the mistakes I do not think its fair that i raised XXXX daughters by myself and i am still working 45 60 hours a week and for the first time i might stand a chance at XXXX buying my first home its a dream i have had for years. so i finally started to look at what is important and its my credit score and i want to fullfill this dream. Whenever i was late or couldn ; t pay something you make sure you waisted no time putting it on my credit report but gee when i finally work hard and do something good you do n't put that on there why is that not fair at all. exter finance says i still owe XXXX on all my reports it is paid i owe nothing XXXX XXXX credit card states i owe XXXX wrong its paid owe XXXX XXXX XXXX i owe nothing XXXX states i own XXXX wrong i owe XXXX so my credit used is not XXXX percent adn my available credit is not XXXX its higher new accounts is lpi personal unsecured loan XXXX no late payments XXXX XXXX paid XXXX XXXX XXXX pd XXXX XXXX XXXX pd XXXX still there and aes still there all those inquireies XXXX XXXX XXXX XXXX XXXX XXXX i didnt do those i am trying to build my credit to get my own house not ruin it i did not do those i work with XXXX XXXX are they real or am i throwing my money away? please update asap i am waiting on you to have my dream. please its most important day for me to see my score go up and to get a house ... please
04/09/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • WA
  • 98125
Web
I bought this car in 2018 XXXX, first the dealership sold me the car charged me higher than the market rate of the car as I was the first tine buyer. Then the interest rate was given was 28 % because my credit score was low and I told them I want to use the car for XXXX/XXXX. The dealership did not give a choice on choosing the car either and took advantage of my situation, when I said that the interest rate is very high then they told me that you can refinance the car after Paying 8 to 12 installments. Which was a lie because the finance company they hooked me with refuse to refinance the car after I made 13 payments. Now due to coronavirus I am unable to work and asked for a gold on my auto loan which is not taken into consideration. I tried to refinance the car with other banks and credit unions but they refuse to finance this car as it is e most basic car has no options and the value of the car is only XXXX $ where they sold me this car for XXXX $ plus XXXX $ interest for 72 months. After paying 13 installments of XXXX $ and down payment of XXXX XXXX I still owe the finance company XXXX XXXX And on the other hand this has not even helped me with my work with XXXX/XXXX as this cars fuel consumption is very high. While I was trying to get the car refinanced I have learned that the dealership has scammed me on the price of the car, the interest and also in rebate. I am stuck with this car and not getting any help from any bank or credit union.
09/13/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Confusing or misleading advertising or marketing
  • GA
  • 31312
Web Servicemember
On XXXX XXXX I brought a XXXX XXXX I was told I was eligible to receive a managers special because I am a 100 % XXXX vet that I would only have to pay 1052 monthly payment on a XXXX car. My finance company is XXXX financial. I paid my loan every month on time and realized 9 months into paying my loan that the balance did not drop but increased! I called and they told me that my interest rate was 23 % a day which basically means that if I pay my bill on the XXXX instead of the XXXX that none of my payments going on my loan but all is going on interest. That means I will never pay for my car and my balance is growing and not decreasing. I feel that I have been taken advantage of and not only am I XXXX but I fought for my country only to let dishonest companies take my only income that I have to got to waste and I could end up owning on this truck for the rest of my life. Companies should not be allowed to do anyone this way I have XXXX children and a wife to support and have paid XXXX dollars on a vehicle which balance has gone up instead of going down. I ca n't afford to just give away money I have had XXXX open back surgeries and ca n't work because of it and I demand to be treated fair. I did not fight for my country just to let dishonest companies take all they can and I will be out of thousands to the point that I cant ever own my vehicle. The statements do n't show where my money is going just a higher balance than I originally signed for
12/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • WI
  • 53546
Web
I am initiating another complaint in the reporting errors by Exeter Finance, I have looked at my most recent XXXX credit report and there are still multiple violations that violate the FCRA. Per the last complaint XXXX this account was to be labeled closed as of XX/XX/XXXX with updated information within 45 days. As of my last report on XX/XX/XXXX my XXXX report is showing a 90-day late payment for XX/XX/XXXX and my XXXX report is showing a 90-day late payment for XX/XX/XXXX. This is a closed account and still being reported as late. My XXXX score dropped XXXX points and shows my most recent late payment as being XX/XX/XXXX from Exeter finance. A letter was sent certified mail on XX/XX/XXXX stating that if this account and the multiple reporting errors that are on it is not deleted from the credit bureaus in 30 days that a lawsuit letter which already has been drafted would be sent out. I have yet to receive any kind of response from Exeter. Per the last complaint you admitted to reporting errors and stated they would be fixed which they haven't. I am being taken advantage of and being used as an example by you thinking that you have authority to do and report whatever you feel like no matter if it's wrong or not. I have included screen shots from my most recent report showing your late payment reporting errors as you stated this would be closed as of XX/XX/XXXX. There can not legally be any negative information reporting after that date.
03/25/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • GA
  • 30318
Web
I requested for a due date change on a car loan I secured from Exeter Finance Corporation immediately after I secured the loan ( XX/XX/2015 ) because I get paid at end of each month. I was told to do so after I make a complete payment. After I made a first complete payment, they told me I have to wait again till I get my account caught up because the second time, I had requested too close to my due date ( of XXXX of the month ). On XX/XX/XXXX I requested again immediately after I made my payment as was advised to do. They said they will contact me once it 's approved. No one called so I called again around XXXX XXXX. and they told me it was approved on XXXX XXXX. thus changing my due date to end of each month, and I should just wait till the responsible department updates the system. I waited, waited and now almost XX/XX/XXXX I keep getting more calls saying my payment is past due and I owe an extra $ XXXX/more in fees. This does not seem like missing to call me or coincidence. It seems like a well coordinated deceitful practice to fleece the customer. I 've been requesting for a due date change on a newly acquired loan for months and when they finally approved it on XXXX XXXX they still trying to come up with something else to steal from me. This is unacceptable and fraudulent. I have sent a letter through their website, called XXXX which is supposed to be their corporate headquarters but it 's never answered though I left a message.
04/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30340
Web
Exeter Finance is reporting an unauthorized credit inquiry on my XXXX Credit file dated XX/XX/XXXX. I reached out to the company via email to dispute and received an email from them stating the following : Customer Service XX/XX/XXXX, XXXX XXXX ( 1 hour ago ) to me Thank you for contacting Exeter Finance LLC. The contents of your message and/or documents ( s ) have been received. To safeguard your personal information, we will not be able to reply to your questions or concerns, using this email address. For further assistance please visit us at : https : XXXX XXXX is a secure online portal that gives you 24/7 access to your Exeter account. Using a computer, tablet or mobile device, you can login anytime and make payments, set up email, securely email Customer Service, and more. Dont have a login? Register today. Through My Message Center, you will be able to send us a secure message with your questions and we will respond within 48 business hours. This feature offers the most secure channel for communication between you and Exeter Finance Corp . Or you can reach us by telephone at XXXX XXXX XXXX XXXX. Representatives are available Monday Thursday from 7 a.m. to 8 p.m., Friday from 7 a.m. to 7 p.m. and Saturday from 8 a.m. to 1 p.m. Central Time. We look forward to hearing from you! Sincerely, Customer Service Exeter Finance LLC. I don't have an account with these people and didn't authorize them to run my credit
05/30/2021 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • FL
  • 32549
Web Servicemember
Thursday, XX/XX/2021, I, XXXX XXXX received mail from Exeter Finance stating that I owed {$550.00} and if I didn't remit payment to them that they would repossess my vehicle. According to 15 USC 1692b ( 2 ), there is no debt collector that has the right to state that a consumer owes any debt. According to 15 USC 1692e ( 4 ), 15 USC 1692e ( 5 ) and 15 USC 1692f ( 6A ), no debt collector has the right to threaten to take any legal action against a consumer and has no rights to seize any property. Exeter Finance is also in violation of 15 USC 1692e ( 2A ) for false, deceptive and misleading information. In 31 USC 3123, the U.S. Government. is pledged to pay, in legal tender, principal and interest on the obligation of the Government. The Articles of Confederation in Article 12 states that : " All bills of credit emitted, monies borrowed, and debts contracted by, or under the authority of Congress, before the assembling of the United States, in pursuance of the present confederation, shall be deemed as considered a charge against the United States, for payment and satisfaction whereof the said United States, and the public faith are hereby solemnly pledged. '' I have also been harrassed and abused by Exeter Finance stating that they would report any information to my credit report and seize my property which would ruin my reputation, due to our consumer reports being looked at as our reputation according to 15 USC 1681.
02/07/2019 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30815
Web
This was a joint account. That judge ordered me to surrender the vehicle to my ex wife and have nothing else to do with it. Ordered her to refinance and hold me harmless of debt. I have notified Exeter financial of this and despite it they still come after me for the debt. Using unfair tactics such as reporting false dates of account closure or not reporting a date at all. The account was closed on XX/XX/XXXX and on my co applicant report is shows correct date. On my report is shows XXXX of XXXX they are reporting XXXX balance and I have logged into my account and balance there is XXXX. On my XXXX report it is not showing a closing date and also shows first date of serious delinquency XX/XX/XXXX. This is causing my report to reflect 90 days late 25times. I have disputed the information with all 3 bureaus but Exeter continues to certify that there information is accurate. They also make a point to change payment status on different dates or add or remove comments on the account at least once a month. These are all unfair and harassing tactics that they are focusing on me when I was ordered by a judge to surrender vehicle and have nothing further to do with the car my ex wife or any financial accounts that were tied to her. With a restraining order in place I didnt dare go against him and as a result she surrendered the vehicle without my knowledge and then Im stuck with the debt and the harassment from Exeter.
02/07/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Getting a loan or lease
  • Fraudulent loan
  • TN
  • 37122
Web
In 2015 I went to purchase a vehicle at XXXX. At the time I was XXXX and didn't qualify for any leasing companies except one. Exeter finance financed me at XXXX dollars a month as a XXXX XXXX XXXX with a minimum wage job. Although I am grateful that they allowed me to obtain a vehicle, 5 years later I am still paying XXXX a month and have nearly payed 4 times for what the vehicle is worth because my APR is 18.75 % +. the state max is 16! Of course i didn't know that this was Usery at the time. This has put me in financial danger ever since. I have XXXX children and the fact that a company can make a lease on a vehicle 4 times what the vehicle is worth is beside me. This company preys off of those who don't have the credit to purchase a vehicle them self so they step in jack up the price and and throw in a extreme APR. Im assuming nothing will get done about this so therefore I would at least pass on this information. Exeter finance has been caught price gauging and has already paid out XXXX XXXX for the same reason! STATE LAW OF TN Legal Maximum Rate of Interest 10 % ( XXXX ) Penalty for Usury ( Unlawful Interest Rate ) Contract unenforceable ; if found unconscionable, lender must refund charges, fees, and commission fees and successful plaintiff may recover reasonable attorneys fees ( XXXX ) ; willful collection is a Class A misdemeanor ( XXXX ) Interest Rates on Judgments 10 % or at contract rate ( XXXX )
04/20/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 94124
Web
I submitted a CFPB complaint about this issue ( complaint XXXX ) to which the company responded and the CFPB allowed to be closed. On XX/XX/XXXX I sent, and EXETER FINANCE received, an Affidavit of Truth, Debt Validation Letter pursuant to 15 USC 1692g, a Cease and Desist Letter and Exhibits displaying only a few of their violations. EXETER FINANCE failed to provide a wet ink contract and an Audit Trail according to GAAP standards that I requested. EXETER FINANCE violated the Cease and Desist letter by calling my telephone and leaving messages : XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX at XXXX ( XXXX XXXX XXXX, and sent postcards, and mail with consumer rights violations to my personal address. They continue to furnish deceptive documents, report false information to credit reporting agencies and use my personal information unauthorizedly. I filed an Identity Theft Report to the FTC # XXXX. I humbly ask that the CFPB help me to enforce against this company for its blatant disregard for federal law and outright breaking of the law. I have attached proof of their receipt and proof of their breaking federal laws, and breaking the Cease and Desist. This company is causing me a great deal of stress mental anguish, through their deception, theft and failure to remedy this issue. This situation is costing me valuable time, money and affecting both my children and I greatly. Please help. Thank you.
10/15/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30338
Web
My identity was stolen in XXXX and I am still attempting to get certain incorrect information removed from my report that resulted from the fraudulent activity. I first filed a police report regarding a fraudulent Exeter account in XXXX but the account has remainined on my report thus far. I learned that the account could also be disputed with the bureaus as well. I began disputing with XXXX and XXXX in XXXX of this year, and I have sent monthly dispute letters via certified mail. I have also reached out to Exeter directly multiple times in order to point out that this account was opened by someone who had stolen my information. My first letter to Exeter was sent on XX/XX/XXXX via certified mail ( XXXX ). When this letter went unanswered I sent a follow-up estoppel by silence letter on XX/XX/XXXX. I received a response from Exeter where they requested some information from me such as my SSN, picture of ID, and FTC affidavit which I was more than happy to supply. I faxed them over the requested documents on XX/XX/XXXX. Despite the police report and FTC affidavit I supplied, Exeter has NOT removed the fraudulent account, nor have they provided me with any explanation on why they could not remove the information. I am simply trying to fix the errors on my report and move on with my life. It is a FCRA and FDCPA violation to continually report this disputed account which resulted from Identity theft.
09/26/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 94124
Web
XXXX XXXX XXXX CEO of EXETER FINANCE CORPORATION filed a California Secretary of State CERTIFICATE OF SURRENDER ( XXXX ) XX/XX/XXXX ; signed by corporate officer XXXX XXXX. The date XXXX XXXX XXXX CEO of EXETER FINANCE CORP. fraudulently assigned themselves to this null and void contract was XX/XX/XXXX according the consumer reports gathered from XXXX, XXXX and XXXX that violates a cease and desist ( continued reporting is communication and a violation of cease and desist that they fully accepted, acknowledged and is binding ). XXXX XXXX XXXX CEO of EXETER FINANCE CORP. surrendered their rights and authority to transact interstate business in the state of California. XXXX XXXX XXXX CEO of EXETER FINANCE CORP. revoked their designation of agent for service of process in California. XXXX XXXX XXXX CEO of EXETER FINANCE CORP. is attempting to force me to collude with their illegal business activities. XXXX XXXX XXXX CEO of EXETER FINANCE CORP. is using abusive debt collection practices and is causing me injury. After doing a UCC 11 Search with the Secretary of State of California, no liens or legal debts exist for XXXX XXXX XXXX XXXX XXXX XXXX XXXX CEO of EXETER FINANCE CORP. pursuant to 15 U.S.C . 1635 this is an official document to exercise my right of rescission, Nunc Pro Tunc for any contract, transaction, information, and my signatures associated with this account. Thank you and XXXX Bless.
06/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30038
Web
My car was stolen in XXXX of XXXX and was deemed total lost by XXXX who then paid off majority of the balanced owed on the account my Gap insurance company then reached out to Exeter on multiple occasions requesting them to send the documents needed ( payment history, contract ) in order for them to send the final payment to pay off the loan. Exeter employees repeatedly failed to send the information requested resulting in an extension of the account not being paid off. Exeter has since marked 1 late payment on my report for the month of XX/XX/XXXX. Upon finding this out I disputed the late payment directly through the credit bureau XX/XX/XXXX and they then came back and mark TWO late payments on for XXXX and XX/XX/XXXX. As of XX/XX/XXXX XXXX sent Exeter {$13000.00} which would have covered any pass due balances. Had Exeter employees sent my gap insurance company the information they requested on XX/XX/XXXX this account would have too been fufilled in FULL. Due to the negligence of Exeter 's employees I am being held at fault when I was promised no late payments would be reported to my account. I hav esince called Exeter multiple time requesting they do the right thing and update the account in which they fail to do so. The late payments for XXXX and XX/XX/XXXX need to be removed as the account was satisfied in full and there would have been no late payments had Exeter done there job.
03/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30253
Web
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was reported late payments of XXXX XXXX monthly payment each month. Exeter finance doesn't have a specific reporting day. They say they do and they don't, some months they report every month and some months they report every 3 months which causes incorrect reporting on my report stating my payments to become late and I'm not. This has been an ongoing issue with them and I feel this is unlawful, discrimination and against my consumer right. I have reached out numerous of time to the head quarters, the call center, the CEO and i have yet to hear anything or changes to the account to be updated to current and at this point I will file a suit. I am just getting back to good health and this has been a strain on me. As a dedicated customer for almost 4 years, I thought I would get better treatment than this. I am demanding, under the provisions of the FCRA, 15 USC section 1681i, that they remove immediately as it is deemed, unfair, illegal and a violation of my consumer rights according to 15 U.S code 1666b. As it states, a creditor or any agency must not treat any payment on a consumers credit file as late for any purpose. If so, it must be immediately and permanently removed from file or a complaint or lawsuit will be filed for discrimination against my decent, violating my consumer rights deemed by law and the reporting of inaccurate information.
02/24/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43227
Web
Recently I reviewed on of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft, I REPORTED THIS IN 2016 and several of the items on my credit report is not mine. I have also notice that one items have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( O.R.C. 2305.07 ) and ( O.R.C. 1303.16 ( B ) Ohio Debt Collection Statutes of Limitation. I am requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Here are the inaccurate accounts : Exeter Finance, LLC. # XXXX ( ACCOUNT WAS CHARGED OFF AND NOW HAVE BEEN ILLEGALY RE-AGED ), XX/XX/XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, # XXXX ), XXXX XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX ), XXXX XXXX XXXX ( # XXXX, # XXXX ) XX/XX/XXXX # XXXX, XXXX. XX/XX/XXXX XXXX # XXXX,XX/XX/XXXX # XXXX, XXXX XXXXXX/XX/XXXX # XXXX.
10/12/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • FL
  • 33305
Web
I have an auto loan with Exeter finance. Ive had this loan for almost 6 years. I am supposed to have two remaining payments in the amount of {$380.00}. I received a letter from them stating that there is an extra almost {$1500.00} worth of interest applied to my loan because they put two loan payments on the end of my loan five years ago. No one ever told me that they were going to be assessing an extra {$1500.00} worth of interest, and then they send me a letter threatening to report me to the credit bureau if I dont have that extra {$1500.00} paid off by the end of my loan on XX/XX/XXXX. This loan has been current for five years or so. I attempted to call them and speak to them about it, theyre trying to tell me that what theyre doing is OK and that I have to pay it and if I dont pay it then theyre going to repo my car and report me to the credit bureau. I have made 70 payments on this car, Im supposed to have two remaining payments, I signed a contract for 72 payments, and now they want me to come up with an extra {$1500.00} in a month. I asked them to produce proof that someone even spoke to me about this or I signed something saying that theyre going to assess an extra {$1500.00} and the woman told me because Im in Florida that they dont have to do that. I dont understand how a business can be deceptive and then take something from me that I have paid for for six years.
09/15/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • MD
  • 20708
Web
I was caught vulnerable at a time of need. I recently just loss my car to a hit in run. In I was in a desperate need of a vehicle. I went to a local car dealership by the name XXXX motors. Which promotes we can put you in a car no matter the down payment or credit. I was deny by every loan possible. I grew weary and tired of the process. So they stop me before I could leave and said a financial company by the name Exeter financial corp was willing to put me in a car. I thought they had to be kidding me. I spent hours and now somebody wants to finance me? In they was trying to put me in a XXXX? But there was a catch I had to put down XXXX dollars and it would be a 20.95 % interest with payments of XXXX a month. I felt like I could afford XXXX without paying attention to the interest I needed a car for transportation back and forth to work. So to conclude everything the car had water pump issue and a recall. Which lucky the car still held it 's warranty and all was covered. But as time went on I only wanted the car to be an temporary car. In as I start to look into the financial aspect of the loan. I notice I was up side down. The loan held more value than the car and I was in a six year loan plus out XXXX a month only about a XXXX dollars was going to the car. I was XXXX! I 've been looking for a solution every which way to get out this loan that I was charm in to accepting.
04/25/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • ID
  • 83619
Web
Upon receiving XXXX credit denial letters from Exeter, I was concerned since I had not applied for credit and I checked my credit monitoring service to find I had an inquiry with this company which was labeled for " auto loan ''. I did not ask for an auto loan or give this company authorization to pull and check my consumer credit report either time. I found that someone had used my personal information on the internet to apply for loans online. Upon notifying this company in writing with a certified letter which was received by their company on X/XX/2017 . They responded to my letter stating that they received an electronic application from XXXX XXXX and XXXX XXXX XXXX XXXX , and despite me not applying for credit with this company, and Exeter not providing any evidence or documentation that I did in fact provide an authorization to have my consumer report pulled they are refusing to remove the inquiries dated XXXX XXXX and XXXX XXXX XXXX . I have sent a second letter and demand in hopes they will honor the rights and protections afforded to the public under the Fair Credit Reporting Act as well as the Federal Laws . I have asked that this unauthorized inquiry be removed immediately. I have not authorized this company or any third party to pull, view or use my credit consumer report, therefore it was obtained without permissible purpose.
02/10/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • PA
  • 19050
Web Older American
My name is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX. In XXXX, I purchased a XXXX XXXX XXXX, which was financed by Exeter Finance for {$23000.00}, at a Monthly payment of {$550.00} for 72 months. Even, though I thought the payments were high, I was diligent with my car payments. Recently, Exeter communicated with me to inform that, I still owed a principal amount of {$7000.00}, which needs to be to be paid within the next 80 days. My immediate response, How much have I paid so far? Exeter responded by telling me that I have paid {$41000.00} to date and insisted that I pay an additional lump sum of {$7000.00} to relinquish my debt. On XX/XX/XXXX, I requested a summary of my Payment History, Sales Contract, and Loan agreement for review. Exeter has promised to send/email, but has not sent the materials in 3.5weeks. I feel that Exeter is not only practicing unfair debt collection, their policies are indiscriminate, and their behavior is obtrusive with constant phone calls XXXX am each morning prior to me going to work. I am convenience that I have paid off my car, and are no longer obliged to make any further payments. Exeters address is XXXX. XXXX XXXX, XXXX, Texas XXXX, ( XXXX ) XXXX, email address : customerservice@exeterfinance.com. Please provide me with immediate assistance. Sincerely, XXXX XXXX ( XXXX ) XXXX ( m ) ( XXXX ) XXXX ( w )
05/04/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • IL
  • 60637
Web
Hello, there. I am a customer with Exeter Finance XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I wanted to make a complaint regarding the repossession of the vehicle in question on XXXX XXXX. I have tried to make a payment on XX/XX/2022 on my account with Exeter Finance. They said that due to my account status that they can not accept an online payment at this time from me. This is the first time I have been not able to make a online payment, and this is after I expressed that I don't want them harassing me 4 times in one hours as they did before when they called me repeatedly US Code 1692d ( 5 ). I am willing to pay the bill and they still repossessed my vehicle, putting me in a bad situation and limiting my ability to make income for my family. They said that they sent a letter of collection activity in XXXX, but I told them that I never revived it. The representative then said that it's not his problem because they did what they were supposed to do. I want to complain because this goes against my rights as a consumer according to US Code 15 1681 ( a ) ( 1 ) ( A ) and because of the non disclosed subject regarding the finance charge in US Code 15 1638 ( a ) ( 4 ) .The biggest complaint I have is that I have tried to pay the bill online and they refused to accept it, then they had a towing company repossess my car. It's illegal and the remedy I am seeking is :
09/11/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • PA
  • 15017
Web
I contacted Exeter Finance Corp to let them know I would be making my XXXX XXXX payment on XXXX XXXX. I called on the XXXX and had them debit my checking account for XXXX payment. On XXXX XXXX I received a call from the finance company stating I did not make the XXXX payment. I explained my conversation that I had on the XXXX and explained I made the payment. The customer service person told me it was not on their computer system and took the bank account information again. On the XXXX Exeter took out XXXX car payments which bounced my account. After numerous phone calls to customer service I spoke with approximatley XXXX different supervisors and after approximatley two weeks or so I received the unauthorized payment and the overdraft fees back into my account from Exeter. Since then I have been recieving phone calls harassing me that I have not made my XXXX payment and some of the customer service people are very nasty Apparantly they do not read any of the notes shown on my account. I have emaild and faxed over bank statements as recently as yesterday with no resolution to the harassing phone calls. I have called the corporate office twice and left voicemails with no return phone calls. I am looking for a resolution to this matter. It seems noone can take care of the issue at hand, the XXXX payment has been made and I am receiving harassing phone calls.
03/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 90266
Web
I have had an auto loan with Exeter Finance since XXXX and the amount of the loan was {$37000.00}. I have made continuing payments since that time of {$810.00} on a monthly basis and not one time have I been delinquent. In XXXX, 2022 in consultation with the company I was told for the first time that I need to pay a " balloon '' payment of {$3100.00} to pay off the balance of the loan. I asked the customer service representative if I can pay the amount that is still currently listed on the website for my loan of {$810.00} till the balance is paid in full. The representative said that would be fine and it would satisfy all the requirements of my loan. I made that payment however yet Exeter informed all the credit agencies that my account was now delinquent in XXXX this for the first time ever for this account. I have since spoken with Exeter and they will not erase that red mark on my credit reports. I have also told them, that with the remaining balance of {$2300.00}, I am willing to pay that in full. I also would have paid the full {$3100.00} on the loan if I knew that it would create this issue. The agent from Exeter did not have any issue for me to make this monthly payment to satisfy the loan requirements. I ask your agency to have Exeter remove that delinquency from the 3 credit reports as it should not be there in the first place as discussed.
09/28/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • MD
  • 20903
Web
Good Morning, I contacted Exeter Financial on XX/XX/2021 informed them that my employer had reduced my hours again due to covid an that my spouse was no longer working and my bills where high they informed me I had used all my extension an only had one available. After speaking to a serval representatives informed an explained my situation on recorded line the representative stated that he will help me today an apply a two month extension this was on XX/XX/2021. I was very happy with that information. I notice they report 3 missed payment to all three of my credit XXXX, XXXX and XXXX, I also see they they began to call me i answer a call on XX/XX/2021 where the representative is informed me that I'm very past due an what the representative on XX/XX/2021 did needed manger approval an mines was dined. Throughout this whole pandemic i have been them first before even my rent because I knew once I acquired a job I would need a car for me a my XXXX kids. They have never had a relief options i have called to lower my bill dined I have called them for the small amount of help an always they give a run around. I'm requesting a two month extension on my loan. Covid 19 is still very real an I'm unable to make full payments at this time i would like them to remove all negative information off my credit. If some can please help me with this situation
12/04/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 91730
Web
I have 12 payments recorded 30 days late. However I received an extension for a few of them and paid less than 30 days late for a few others. XX/XX/XXXX I made a payment XX/XX/XXXX and another payment and another on XX/XX/XXXX I also received an extension for XX/XX/XXXX. I have XX/XX/XXXX recorded 30 days late and I made a payment XX/XX/XXXX for this. My payment for XX/XX/XXXX was marked 30 days late as well and I made a payment for XXXX on XX/XX/XXXX. For XXXX and XXXX of XXXX I was given an extension to be added at the end of my loan however they still reported 30 days late. XX/XX/XXXX was also reported 30 days late which I made a payment on XX/XX/XXXX for XXXX. XXXX was reported 30 days late a payment was made XX/XX/XXXX. XX/XX/XXXX I missed a payment without realizing and called and spoke the them on their recorded line where they told me it wouldnt be reported since I made the payment. From XXXXXXXX XXXX XXXXXXXX they recorded 30 day late payments. I know my payments havent been on time but they havent been 30 days late. I got the loan when I was younger and made a few mistakes paying a few days late I now understand credit and am working hard to fix it. This is hindering me from getting an apartment and overall has made my life more stressful. I appreciate the time and concern you guys are taking to look into this. Thank you
11/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IA
  • 50021
Web
I have reached out to Experian on numerous occasions regarding derogatory accounts reporting on my credit file with them. The 2 creditors in reference are XXXX XXXX XXXX & Exeter Finance XXXX XXXX XXXX XXXX is reporting a Original Balance of {$11000.00} Payment Status_ Voluntary Surrender with a Past Due Balance of {$690.00} Status Update of XX/XX/2018 So my argument is : The status update is inaccurate The Closed Account should not be reporting a past due balance or monthly payment, Status Update shows that the account was NEVER properly investigated which are clear FCRA Violations & inaccurate/inconsistent reporting on my credit file. Exeter Finance XXXX is reporting a Original Balance of {$12000.00} Written Off Amount of {$11000.00} Payment Status_ Charge-Off with a Past Due Balance of {$9800.00} Status Update of XX/XX/2018 So my argument is : The status update is inaccurate, The amount that's supposedly written off is inaccurate, I never received a 1099C as documentation that the debt was written off, Status Update shows that the account was NEVER properly investigated which are clear FCRA Violations & inaccurate/inconsistent reporting on my credit file. Also everytime I submit a dispute my credit scores drop due to these disputes which is unfair to me as a consumer challenging various inconsistencies on my credit file.
10/25/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NC
  • 28306
Web Servicemember
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XX/XX/2016. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter
04/06/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • WA
  • 98404
Web Older American
RE XXXX Case Number : XXXX XXXX : DISPUTE AMOUNT OF DEBT {$9600.00} Dear XXXX XXXX XXXX Exeter Finance Corp. : We are notifying you within 30 days after receiving this notice on XX/XX/XXXX that we dispute the validity of this debt or any portion thereof. We have included documentation of payment history from the Trustee, and a cashier check for the balance. See Attached. On XX/XX/XXXX we purchased a cashier check from XXXX XXXX for {$3100.00} to Exeter Finance LLC. and sent it by US Mail Certified Mail Receipt to the address above. Account # XXXX XXXX. According to XXXX XXXX the cashier check for {$3100.00} was CHASHED ON XX/XX/XXXX. Exeter Finance Corp. Cashed our final payment of {$3100.00} and SOLD the loan to XXXX XXXX XXXX XXXX XX/XX/XXXX a month later. SEE ATTACHED. According to the Tracking number XXXX XXXX XXXX XXXX XXXX the Cashier Check was received by Exeter Finance LLC on XX/XX/XXXX and was signed for. We spoke to several customer service representatives, prior to selling our loan to XXXX XXXX XXXX. We need you to investigate the misappropriation of our funds that should have paid off our loan in full. We want the Title of our XXXX XXXX XXXX sent to the above address. If we dont hear from you in a timely manner we will file a claim with the Consumer Financial Protection Bureau FRAUD DEPT.
06/15/2019 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • OH
  • 44128
Web Servicemember
During the month of XX/XX/2019 had several calls from Exeter Finance about account balance being past due for more than 60 days. At the time told them I shoukd only be 30 days because promised an extension from my last payment. Was told that I was only granted a 1 month instead of a two month extension as promised with last payment. Told them my wife was under a garnishment because of the goverment shutdown and I was just getting back to work because I XXXX XXXX XXXX for my XXXX XXXX and work had just started to pick up. The Representative told me if I made the atleast 2 months payment he will work on getting me a 2 month extension and my next payment will not be until XX/XX/XXXX. The rep took my payment and said thank you and your wife for your service and you should be fine your state you doesnt have any paper work to be signed for an extension. Replied thats great you should have your payment on the XXXX. Now im being told Im 80+days past due no extension is in the system or been noted that I was offered an extension and Im to the max on extension so none will be applied just make your payment and you will be fine. Told the rep will be filing a complaint also they keep reporting it late on my credit report when it was indeed there fault if it couldnt be done then shouldve been told that from the start,
05/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 91915
Web Servicemember
I have new and updated information from closed complaint XXXX. In my last complaint I stated that the dealership had shown no proof of the application. XXXX XXXX has sent over a copy of the application. See attached. Right above the signature of the application there is a statement that reads as follows : " You are notified pursuant to the Fair Credit Reporting Act, that your application may be submitted to the financial institutions named below or to other financial institutions. I'd like to bring attention to the fact that the word " May '' is not a definitive term as it means expressing possibility. Making this statement deceptive. Underneath this statement is a space for the names and addresses of financial institutions that may be contacted. That space is empty, there was no disclosure that these financial institutions would be receiving my credit report. Therefore XXXX XXXX, Exeter Finance Corp, and all other financial institutions contacted by this dealership by use of my signature on this deceptive form had no direct or indirect authorization, consent, or permissible purpose to review & furnish my report. This is proof of unfairness, partiality, and a violation to my right to privacy as a consumer from the dealership and financial institutions involved pursuant to The Fair Credit Reporting Act.
02/18/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • OH
  • 43314
Web
Roughly 3 yrs ago i dated a woman that wrecked her vehicle. The nice person i am, co-signed for her to get a loan on a new vehicle. Within a month we had split up and she had stopped making payments on the loan. Eventually the vehicle was repossessed and we both now have a bad mark on out credit score. Some months later i contacted this Exeter finance company to try to find out what i need to do to take care of this issue. They were very rude and would not work with me at all on settling. The only thing they told me i could do was pay the loan off in full. Now i am trying to get a house loan and this Exeter finance company is keeping me from getting the loan i need. I contacted Exeter the other day ( about 3 yrs from the initial loan ) to once again try to find out what i need to do to resolve this issue and again they were very uncooperative. They would not give me any information on this loan saying it was a security issue because i was not the primary on the loan and i did not know the woman 's personal information even though i am still on the loan. I tried to explain to them that i have not had contact with this woman in years and have no way to get the information they require. They would not help me in any way and told me to hire an attorney. Now i am contacting the CFPB for help with this matter.
09/28/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • MO
  • 65203
Web
I have a car loan with Exeter Finance, I have had nothing but issues since starting with them!! Ive currently hired an attorney to sue them for stealing, fraud, harassment, financial hardship, emotional distress, as well as reporting inaccurate and false information to all three credit bureaus!!! Not only have I been called daily and sent emails daily since getting the loan, I caught the company trying to steal from me, and in the process am continuing to daily get harassed and lied to and have even spoken to management and was promised a credit onto my account due to their mistakes and faults in which I still havent received!! As well as received a letter in which was overnighted from the office of the president last week stating they never made any mistakes at all but when stating my evidence I have against them over the phone with her was asked to send whatever documentation I have over to her email, are you kidding!! Why would I do that?? Let alone its XXXX and I made two payments in XXXX and they have reported Im over 90-180 days late on my payments when Im not!! Let alone They have stated payments werent made on my credit report when I have evidence and bank statements in which show payments were actually made!! Their screwing me, scamming me as well as damaging my credit score at the same time!!!
07/17/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • ND
  • 58102
Web
I have been making my payments on time and have the bank statements to prove that the loan payments are being made and on time. It is an automatic with drawl payment from my account to them. The finance company is EXETER and XXXX XXXX where I bought my vehicle is the ones who got me financing through that company. I was greeted by a tow truck operator at home today as he let me get my personal belongings out of the vehicle because I was informed he was repossessing it for no payment. The tow truck operator informed me as well that half of his inpound lot is full of vehicles from this company for the same reasons of people making their payments and having proof yet their vehicles are being repossessed. The company told me when I called them that they would have to wait for the paper work from the towing company before they could update records and let me have my vehicle back even though I sent them my banking records showing them that the payments were made to them. This cant be right or legal to do to a customer. I have 4 kids and needing to get to the store and errands ran as well as to their perspective locations. And now here I sit as a single mother with no vehicle because I was trying to do the right thing and make payments on time. Please help so no-one else has to go through these same issues.
09/08/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • CA
  • 90745
Web
I got a job with a company that required me to have a car to keep the job, I didn't have perfect credit ( just fair credit ), but I felt that I was taken advantage of because it was during the beginning of the pandemic and I had no one to help me when it came to negotiating the loan. I didn't have a down payment and the company I had the job with would not give me a letter saying that they had just hired me so I was a sheep among wolves. The dealership told me that there was a company that would finance the car and I didn't have to have a down payment so I said okay. I was trying to keep my new job. The dealership drew up the papers and added services onto the contact and then sign my name to it which added on extra fees to my car loan. My car payment is more than I can afford and every month I struggle to make the payment, I have been thinking seriously about bankruptcy. I need my car payment to be what I can afford and the extremely high interest rate to be lower than it is. The finance company said that I would have to make my High car note payment for 1 year than they would consider refinancing my car loan at a lower rate. I got my car XXXX, and it is just too high. I told my sister and my son about my car note payment and how much I have to pay, they both said that " They took advantage of me ''.
12/29/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • NV
  • 89108
Web
XXXX XXXX XXXX amounts showing on my credit reports account charged off {$24000.00} Written off {$17000.00} I never received any letter or letters after writing Exeter about the account or what the Vehicle sold for which I requested. the amounts are not correct. I tried several times to pay but was told I could not pay or catch the payments up. My job had written me bad checks I work for at XXXX salary and closed up with out any notice. I told them this several times I was waiting to transfer to the XXXX in which I 'm a XXXX the company had over 460 employees. Exeter has no regards to the customer my claim was valid with the state about money filed as proof and the situations going on at the time. Now XXXX XXXX XXXX has Transfer of Account Ownership to XXXX XXXX XXXX Why would I pay for a Vehicle that I do n't have nor was ever give a sale amount at auction. Now a transfer with no amounts and I dispute any and al money owed to Exeter due to the fact when I wrote Exeter to pay I was treated badly and hung up on. the amount on the credit report is not right on the amounts there is no sale amount on {$17000.00} or XXXX was the amount of the begging loan Fin but there was payments made and the sale amount does not leave the balance this high nor XXXX owed minus the sale price of the Vehicle.
10/02/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • GA
  • 30253
Web
My name is XXXX XXXX and I financed a XXXX XXXX XXXX for {$16000.00} using Exeter Finance back in XX/XX/XXXX. At the time I needed a car really bad as I had an XXXX child and a XXXX year old who I had to transport back and forth to school and daycare. I was advised that the loan was for 72 months with a monthly payment of XXXX. I have made 70 payments in total plus interest and fees applied. I struggled making the payments as I really could not afford them but needed a car. As of today, I have paid a total of {$29000.00} towards this loan. My account shows that I still owe {$5900.00} and if it is not paid by XX/XX/XXXX they will repossess my vehicle because I have reached my maturity date. I don't understand how they can do this to a consumer especially during this pandemic. They will not work with me unless I come up with XXXX which is ridiculous considering how much I have paid them. This is not right to me as a consumer and this is really bad business on their part. To collect this much money from me and threaten to take the vehicle. I need help and I need soon as this is the only transportation that I have to find work. Exeter Finances XXXX rating has been revoked and Attorney General of Massachusetts filed and won a lawsuit against them for offering bad subprime loans. Please Help!
06/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • TX
  • 78154
Web
EXETER FINANCE XXXX XX/XX/2021 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit that was not made to the obligor or, if made, was not in the amount reflected on such a statement. ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. ( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. ( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau.
12/02/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • SC
  • 29150
Web
To Whom It May Concern : I, XXXX XXXX am writing in regards to the adverse account listed by Exeter Finance LLC. I returned the vehicle back to the finance company after experiencing issues with the AEB system while commuting to work, which includes highway and long distance driving. I reported this to the dealer as why I was returning the vehicle and they advised the car would be resold. I do not feel I should repay any portions of the loan as to me keeping and maintained on time payments as the company reported themselves. I had no intentions of returning the vehicle until it became unsafe. I have attached the recall information reported from XXXX in regards to the same reported issue I explained to Exeter finance when I advised them to come and pickup the vehicle. When I returned the vehicle the check engine light was on and I advised them that the car should be inspected prior to being resold. I would like an investigation completed because I do not believe its fair to be held liable for a recall, which is out of my control. It seems like Exeter finance wanted me to keep and continue to pay for a vehicle I advised them was unsafe just for their financial gain. I would like this item removed from my credit report for these reasons. Vehicle Information : XXXX XXXX XXXX VIN : XXXX
07/12/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NC
  • 28107
Web
I financed a vehicle with Exeter Finance in XXXX 2015 alongside a cosigner. I financed it at at 14.7 which was slightly higher than my other vehicle was financed at. A couple months ago I ran into the issue of the cosigner taking off with the car which I know bear some fault on my own part but Exeter has been of no assistance in helping locate the cosigner to notify of lapse of insurance on the car. I also offered to pay the loan off in full if the car could be returned, or I would like to be released from the contract since technically both of these parties breached it. Then the other day as I was monitoring my credit I noticed how little had come off the principle. I knew from work that around {$320.00} should come of my principle with the {$410.00} payment. However the amount coming off was around {$190.00}. I was very upset as I read through my paperwork and kept seeing " annual interest rate '' but for some reason being charged a daily interest rate. I paid my other vehicle off and have another one ( since this one was taken ) and I have no issues whatsoever trying to guess what my interest portion of my payment will be. I am very upset and thought Exeter would be like other finance companies I have dealt with who did not hide their charges and understanding of the process.
04/05/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • CA
  • 92376
Web
XX/XX/XXXX Purchased vehicle for XXXX, at interest rate of 19.35 % with sub-prime lender XXXX XXXX, located in XXXX Texas, Promised by finance officer that we would be able tor refinance, however actual value of vehicle was never the amount that was listed, and due to several mechanical issues, and failure with engine, it made it impossible to refinance this vehicle. Requested assistance XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and no options made available by XXXX and was told I would have to complete 72 payments on original contract and there is no reprieve that can be provided, even based on the current value of vehicle. Current vehicle is worth less than the settlement offer, they have received total payments in the amount of XXXX well exceeding the amount of the loan originally financed, and am hoping they will take the little amount I have and settle on this debt so i can move on with my life. This is a predatory loan, with no exit. Refinance, is impossible as it would require the difference of what is owed on this underwater XXXX. I have done my best to comply with the awful interest on this loan, despite now being qualified for better financing, and a better rate on a brand new vehicle, however the purchase of this vehicle and terrible interest haunt me.
06/14/2022 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • 30815
Web
In accordance with the Fair Credit Reporting act XXXX Account EXETER FINANCE LLC Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions I am well aware of my rights as a consumer. This account is only reflecting on my XXXX credit report. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding collection items that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
06/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OH
  • 43229
Web
I got these accounts that are not mine and i want it to be removed ASAP. See the list here : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 10. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 13. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 14. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 15. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 16. Identity Theft EXETER FIN Date of inquiry : XX/XX/XXXX This is not mine.
01/13/2022 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 10466
Web
Exeter Finance On XX/XX/XXXX, a contract was signed for a XXXX XXXX XXXX at XXXX XXXX XXXX. I provided my social security number in order to seek out financing for this vehicle. The total loan amount was {$41000.00} The bank agreed to participate in this consumer credit transaction for this vehicle on my behalf using my credit which I gave access to with the use of my social security card, or credit card pursuant to 15 USC 1602 ( l ) of Truth in Lending Therefore, I take the role as the original creditor due to my open end consumer credit plan pursuant to 15 USC 1602 ( j ) The bank can not be the original creditor because the role of extending credit is not a listed power of banks or financial institutions pursuant to 12 USC 1431 The bank becomes a creditor after I extended my credit to them with the use of my credit card The bank completed the transaction with the dealership which completed the consumer credit transaction The bank sent me letters stating that I am allegedly obligated to pay on a debt I have have with them for the auto loan This is a violation of the FDCPA 15 USC 1692b ( 2 ) I sent a letter to the bank requesting verification of the original creditor in this transaction. I do not owe any debt to this bank due to my role as a creditor 15 USC 1692a ( 4 )
02/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19023
Web
It has come to my attention that EXETER XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX XXXX XXXX XXXX an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that EXETER XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
04/18/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 90266
Web
My issue is with Exeter Finance of XXXX XXXX In my conversation with the company on XX/XX/2022 I was told there was an overall balance on the account of {$3100.00}. I told them that on my computer screen it said payment due of {$810.00}, which is the payments I have made throughout the history of this loan and would be be ok if I made that exact payment prior to XX/XX/2022 so that it would not be marked late on the XXXX credit reporting agencies. Exeter 's agent told me that it would be fine. On XX/XX/2022 I made the payment of {$810.00}. Within a week the credit reporting agencies listed the account as 30 days past due ( the first negative mark on this account for the 6+ years I have been paying off this account ). I called Exeter to complain about it but they did nothing about it. I then made a decision to pay off the balance of the account for the amount of {$2300.00}, which was paid on XX/XX/2022. To my absolute terror not the credit reporting agencies are listing the account as 60 days past due, which is impossible as the account is closed and I have paid in full the loan. I request that Exeter eliminate that 30 day late mark as the account was paid as what was agreed to and to eliminate the 60 day late mark as that is impossible as the account was paid in full.
01/03/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 92780
Web
Hello. This is a report for exceter finance. I reached out the week of the nationwide lock down. To the finance company stating if they had any Covid 19 payment plan or what they can offer for customers during the pandemic. The representative i spoke to stated they had nothing. They didnt offer to push back the payment. They didnt offer payment arrangements. Reached out again in XXXX, same issue same statement. No assistance to the customers. I reached out in XXXX due to researching most car financial companies are reporting late payments caused by a natural disaster. I spoke to a representative and they stated i was eligible for a push back in 2 payments. The last representative failed to notify customers. I filed a dispute with credit bearu due to the companies inaccuracies and the credit reporting stating i was late and fail to notify customers what they could do during the pandemic. Many companies didnt report to the credit bearu and the two late payments i have are now affecting me and others from what i discovered this company did this to many of there customers. The only late payments i have are from the pandemic and they declined to remove them. The presentative stated it was the last two people i spoke to failed to assist and now my credit is on the line
01/24/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • AL
  • 35476
Web Servicemember
In XX/XX/XXXX I went to XXXX XXXX after I was given a pre approval for the vehicle that I purchased. With the prapproval I was to put down XXXX dollars and I would have a XXXX dollar monthly payment. After getting there I was passed around to different employees and then after my credit was run for the 37 time I was to put down XXXX and they told the extra care for the car was part of that. Without showing me the total numbers by distracting me with the fact that they did not understand my retirement pay/ XXXX XXXX XXXX pay. I was moving across the country and needed a truck. So I paid the amount for a down payment and was told off to the side to file my military paperwork with Exceter Auto Financial. But they will not help me get a new interest rate. Currently its 27 % and Im afraid that Im going to lose my trAnsportation. I filed again with Exceter fianc on XX/XX/XXXX again. I was told that my military paperwork didnt matter and threatens me. I told them I just went through a XXXX retirement and thats was a couple of months before and I was still in transition. I felt that I was intentional told one thing and made to feel like the down payment would resolve the high payment after I paid for the XXXX XXXX. Which now I figured out that I never had.
01/05/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • TX
  • 77498
Web
I have experienced an issue with Exeter Finance. I was previously in a loan agreement with Exeter finance and I have since went with another lender after getting a better rate. with that siad, while in the loan agreement with Exeter, it was notated that I was late for payments on my account and also they have notated that the account is closed and in a current status of behind XXXX 90 days which is also inaccurate. In addition to the inaccurate information being provided by to the credit bureaus ( and the bureaus not verifying the information correctly ). After researching the company, they have violated the XXXXFDCPA and still reports to XXXX and XXXX. As a result I have suffered damages from their negligence and predatory credit reporting activities. Exeter is not lawfully compliant with to do business within the state of TEXAS and is not BONDED by and authorized bonding company. In addition to the items noted above, since they are not state compliant and I am not sure how to access their bond information. I would like to request that their tax returns be placed in discovery to see if they are also out of compliance as it related to the IRS. I know that I was not the only customer they had so they are also violating other consumer rights as well.
12/02/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60615
Web
I checked my credit last week because I was preparing to buy a house and I noticed someone has been using my credit to obtain accounts I do not know how they obtained my information. This activity began in XX/XX/XXXX and continued until XXXX of this year. I will be placing fraud and security alerts on all my credit bureaus. Accounts Exeter Finance LLC Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00} XXXX XXXX XXXX Acct number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00} XXXX XXXX XXXX Acct number : XXXX Date opened : XX/XX/XXXX Balance : {$2600.00} XXXX XXXX XXXX Acct number : XXXX Date opened : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX Acct Number : XXXX Date opened : XX/XX/XXXX Balance : {$410.00} XXXX XXXX XXXX acct number : XXXX Date opened : XX/XX/XXXX Balance : {$.00} XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} Inquiries XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/ XXXX XXXX XXXX XX/XX/XXXX XXXX of XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
07/13/2022 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • IL
  • 60637
Web
I recieved a phone call from an agent with Exeter Finance LLC on XX/XX/XXXX at XXXX. After some conversation about a payment arrangement date, he began threatening me and saying that I was going to be breaking my contract. After he said that I would breach my contract, I began to ask him about the terms and conditions on the contract. I then told him according to the contract that the Ceo of Exeter Finance had sent out via the last cfpb complaint number XXXX, I saw two different total amounts financed and different numbers regarding the time of the monthly payments and total amount financed in the Federal Truth in Lending section. He then argued that he did not see that on the contract. I then asked who is Exeter Finance Corp and he said that used to be the name of the company. I then asked when and he could not tell me. He said that his higher ups passed the information down. I then said if that is not the name of the company, then why is that name on the retail installment contract? He couldn't answer the question. Also referring to complaint number XXXX, I asked him again about the four calls within a 2 hour period and I told him that it was harassment and excessive according to 15 USC 1692D5 . He said he had no knowledge of that call.
04/30/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MN
  • 55117
Web
I opened 2 accounts with the same lender for 2 vehicles in XX/XX/XXXX toXX/XX/XXXX. I ended up in a divorce which put me into a situation of voluntary repossession for both vehicles.i gave back both vehicles and the loan company Exeter financial sold the vehicles for any loan value in XXXX into XXXX or so of XXXX. The remaining loan amount was than sold to various lenders which ended with XXXX XXXX back in XXXX some time and as of XX/XX/XXXX I had got in contact with them to make arrangements to settle the accounts and pay. I got my income taxes and paid both accounts as agreed by both myself and XXXX XXXX for the amounts offered as paid in full. I have 2 letters stating that the accounts are now settled and XXXX XXXX have now removed themselves from my credit but Exeter financial has not updated and or removed themselves from my credit seeing as they are paid as well if the lender got paid. I have tried calling Exeter back in XX/XX/XXXX and no one could speak to me from the department that handles the credit reporting of the accounts and I also left a message to get a response for the team and no one responded back. I have investigated 3 times on all bureaus and the XXXX credit bureau was the only bureau to remove them from the reports.
02/18/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • UT
  • 84021
Web Older American
I ask over 30 days for Exeter Auto Finacial to send us out invoice on our auto loan.We have not got invoice for over 1yr.And furthermore in State of Utah its against the law to HARASS Family Memebers, as Exeter has been doing.Family members i never gave any of there phone numbers to Exeter when we got the loan in XXXX XXXX in XXXX XXXX , S.C. XX/XX/2018.They Harass Nephews, Brother, and my Son and family members.Exeter never leaves message account number, futhermore Jerks Never will i send them payment anymore.They want the Car go get it, iam taking this up with President of USA, that CFPB.com / FTC.org is allowing this company Harass, iask ask many times to get invoice nothing.Same on XXXX XXXX XXXX we never got invoice for almost 2yrs.Iam damn tired paying on something no invoice.Law states we suppose get monthly receipt for paying.And iam not going put up with harassment i will try fine us attorney to sue.I/we paid over an over $ 500.amonth and our payment is {$450.00}. we never can login our account, so paying $ XXXX.over evey month can go to principal.But my wife has XXXX XXXX XXXX XXXX XXXX and all this XXXX/XXXX is making her more up-set, you quit harassing Family members, if her XXXX XXXX XXXX you are lieable for her death.
10/18/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • IN
  • 46038
Web
Product : vehicle loan I purchased my XXXX XXXX XXXX on XXXX/XXXX/XXXX for {$17000.00} Since then, aside XXXX requests for deferred payments, I have been making the monthly payments of {$430.00} up until XXXX/XXXX/XXXX. In hopes to pay off the loan faster, I started paying {$250.00} bi-weekly on XXXX/XXXX/XXXX. However, no one at XXXX seems to know whether or not my extra monthly {$60.00} gets applied to the principal or not. According to XXXX I still owe over {$2500.00}. My loan maturity date has moved from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. I spoke to call center XXXX XXXX XXXX who explained that, in spite of the loan being mature, I will still continue owing them money. I would like my account transactions be reviewed, and I would like to receive a written explanation as to where my extra payments went. I am confident that I have been overcharged, and the car has already been paid off. The original contract states that the total of payments ( The amount that I will have paid when all scheduled payments have been made XXXX is {$31000.00}. I have paid a total of {$33000.00} as of this writing. I would like to see that this was just an error on their part and I want the title of the vehicle as soon as possible. Thank you XXXX XXXX
04/07/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 31308
Web
XXXX XXXX XXXX {$22000.00} There is no valid claim, no contracts exist ... account was settled with creditor and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights..
06/01/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • TX
  • 76541
Web
I checked my bank account this morning, and noticed that the company ( Exeter Finance ) that I received an auto loan from charged me 3 times for the same payment of XXXX $ for XX/XX/XXXX. I called them first to figure out why they took this much money out of my account and they told me it was my doing and that I needed to call my bank because there was nothing they could do ( in a very rude manner ). I called my bank and they told me that the merchant ( Exeter finance ) could reverse the transaction, however I told her they did not either want to do that or they simple just lied to me. My bank said that I could file a dispute once the transaction showed as processed. But right now all it is showing is processing. From what I have been told a transaction dispute takes up to 90 days an I have rent coming up on the first of this month. I do not have time to wait for a dispute to get resolved when there was no fault of my own involved. This is the second time this company has put me in a bind to where I can not pay my rent and I am reporting this because I shouldnt have to deal with extra fees, transaction, and payments when I pay my bills on time every month. This company has never had a late payment from me for over 2 years.
12/19/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Loan sold or transferred to another company
  • AZ
  • 85742
Web
I sold my vehicle to XXXX. The vehicle was financed through Exeter Financing. XXXX contacted Exeter Financing and got a payoff quote for my loan. I gave up my vehicle and {$2500.00} cash to XXXX and they closed the deal with me. They contacted Exeter Financing and they got the payoff quote. I signed all of the paperwork and walked away, free of any more responsibility to Exeter Financing. Now, Exeter Financing is saying that I owe them more money. I have all of the paperwork from XXXX and notarized documents that show I paid off this vehicle. I am not responsible for any miscommunication between Exeter Financing and XXXX. I closed this financial obligation and I want Exeter Financing removed from my credit report. I have spoken to both Exeter Financing and XXXX and I have received nothing but negative, adverse responses from Exeter Financing. XXXX has assured me that I have no further obligation to Exeter Financing and that they have attorneys working on this matter. I was told by XXXX XXXX at XXXX that I am not responsible for any further financial obligation. She is the XXXX Agent that negotiated the payoff with Exeter Financing and notarized the paperwork. Please remove Exeter Financing from my credit report. Thank you.
05/25/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • GA
  • 30012
Web
I reviewed my car loan contract and the contract I signed did not EXPLAIN how my payments would be applied if late. When they apply the payments there are no guidelines to follow. It simply says on the contract they applied them how they see fit. I reviewed my payments and realized I paid XXXX some months and for more than a year. They never applied any payments to interest. When I call and ask for a description of why they never applied such large payments to the principle they could not give sufficient explaination, they simply applied it to what the called the interest. In this case the consumer never knowing how much interest they are paying and what is it based on. I figure my interest should be now around 6 dollars a day and if late 2 days, the ADDITIONAL interest should only be at XXXX dollars a day. Remember the amortization schedule includes the principle and interest.Exerter ignores the schedule and applies the payments to a falsly calculated interest bucket that doesn't take into account the schedule. Exeter finance is in breach of the truth in lending act. They need to re review my loan and all of its customers for the miscalculated interest. And also pay fines for not presenting a fair and legal contract.
03/18/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • LA
  • 70127
Web Servicemember
During this Covid-19 pandemic many people were laid off, fireworks furloughed, I happened to get furloughed. Although I'm furloughed I continue to make my car payments, maybe not in full but I pay more than half and have never been more than 30 days late making my car payment. Instead of this company trying to help it's consumers it is tacking on late fees & miscellaneous fees without any explanation of what the miscellaneous fee is or why during this pandemic are consumers even being charged late fees when we're already struggling due to the pandemic! My late fees ( {$180.00} ) & miscellaneous fees ( {$60.00} ) total {$250.00} on top of an already {$510.00} car note! I feel that while we're fighting this pandemic this company should be trying to help it's consumers not trying to make extra money off of people during this difficult time! This company hasn't done one thing to help since this pandemic except call everyday to state the obvious that your payment was due 3, 4, 5 days ago not 30 days, not 2 weeks but a few days! I will never deal with this company again & will tell anyone who will listen to NOT get any type of loan through this company! They only care about money & have horrible finance rates & practices!
05/09/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • CA
  • 90740
Web
Exeter Finance gra nted me an extension, verbally, and continued to report the account as if no extension had been granted. They charged me a late fee and sent me a default notice, reported to credit agencies and failed to get me the necessary paperwork to complete. After submitting a complaint to the BBB I finally received the form and they are still pursuing claiming I am in default and are charging me excessive fees. On top of that their representatives twice told me to make my payments on days that in reviewing my summary added late fees. They said for processing reasons I needed to make the payment on Saturday I was charged extra for it. I have gone to them on several occasions and that provide no assistance and resolution. They are making a fortune off of these loans and are setting borrowers up to fail. This business drives borrowers into repossession. Exeter is making money charging outrageous rates, providing no service and repossessing cars. I would also like the CEO informed so he knows the business practices oh his employees. XXXX XXXX has offered no assistance, only emailed me my contract and payment history that did not reflect any actions the Exeter Representative took on XXXX / XXXX / 17 .
12/13/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem while selling or giving up the vehicle
  • TX
  • 79424
Web
My husband totalled our XXXX XXXX XXXX on XX/XX/XXXX. We notified Exeter immediately and advised them the insurance company would move the vehicle. Conversation recorded. We spoke with and updated Exeter on status several times. Again On XX/XX/XXXX, I spoke with Exeter for 13 minutes explaining XXXX would move the vehicle and we would begin negotiations for payoff. Exeter moved the vehicle without permission and effectively repossessed a vehicle that was not in default. They say they mailed a notification on the XX/XX/XXXX and had tried to reach me prior. ( Again I spoke with them 13 minutes on the XX/XX/XXXX ). They did not. I only saw the notification by looking at my account at a later date. We are still attempting to negotiate payoff. Exeter has made it clear they refuse to release title or work with me on the insurance claim. When I spoke with an agent recently, she became upset that I was recording the conversation and refused to talk further. Each time I call they seem very concerned about recording because of the illegal nature of thier dealings concerning this matter. They have reported a repo on my credit report drastically effecting my score and have made no attempt to help resolve the issue.
10/09/2020 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • ME
  • 04410
Web Servicemember
The original loan XXXX {$9500.00} and was taken out the end of XXXX. The insurance company sent you two checks, one for {$7400.00} and the second check was for {$1700.00}. These two checks total {$9300.00}. I also paid over 24 monthly payments On this loan. Where is all the overpayment money? Why did I receive several phone calls from a lady from your company requesting I pay her {$2000.00} over the phone or she would ruin my credit? I have the dates and times of phone calls. She said they never received a check from my insurance company but the insurance company provided XXXX tracking information and a check cashing date. She would only describe the {$2000.00} as other This account was originally removed From my credit reports from my credit reports because of inaccurate information But she followed through with her threats and put it back on my credit report. I do have screenshots of my credit reports where my XXXX account was completely removed and then put back on my credit after her threatening phone calls using a start date XXXX instead of when the original auto loan was opened in XXXX. Also, not providing complete or accurate information when put back on my credit report. Please advise thank you
08/14/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 44105
Web
Exeter Finance stated they would continue to report on my credit if I dont file a identity theft claim. Exeter due to section 623 of the fair credit reporting act your company must show valid proof that this debt is belongs to me. Your company has failed to due that with many poor attempts to do so. To answer your question from last complaint from car dealership. During the process was told I wasnt needed and XXXX Income was sufficient enough to get the loan on her own. While the loan was being signed I was cracking jokes with the salesman stating this is his last day. XXXX only signed her name and as proof neither of thos signature match ours so either your company or dealership attempted to correct a mistake and sign my name. No claim has to be made on my end you have to validate debt because thats how the law works. Unfortunately for your company as you stated dealership provided you the copy of the documents think you should take that up with the dealership. Please come and get the car I will not be making anymore payments on the car. I've attached cfpb complaint, Identification with vital information removed partial due to cfpb stating not publish vital information, signature of another contract
06/05/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 08505
Web
Loan with Exeter Finance for a XXXX XXXX XXXX. The loan amount of {$10000.00} was paid in full on XX/XX/XXXX and the account was closed on their end but they will not update it on my credit report. The amount keeps increasing however leading to my credit dropping. I have contacted them multiple times regarding this and they always say end of the month do not worry or its the credit bureaus fault. On XX/XX/XXXX, I purchased a new vehicle through XXXX XXXX XXXX XXXX in XXXX, NJ. I traded in my XXXX XXXX XXXX and made an agreement with the car dealership that they would pay off my existing loan of {$10000.00}. They did and the check cleared on the XXXX of XXXX, XXXX. I called Exeter Finance to confirm and they confirmed and told me my account was paid in full and closed ( screenshot attached for the confirmation on Exeters customer portal ). I was told by the end of the month, everything would update and that it would reflect as closed and paid in full. It is now XX/XX/XXXX and nothing has updated. They always tell me theres nothing they can do and that I have to wait and seeming how this account is current and keeps updating, it is affecting my scores still although the account has been paid in full.
03/30/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • NV
  • 89701
Web
I have for momths been having issues with exeter finance company. 9 out of 10 times i am greeted with rude csr 's. I have a set prompt of validation questions on my account and have spoken with several supervisors about this and still everytime i call in theres a problem. The representatives are rude and bring me to thw point of just wanting to surrender the car. This company has partneredwith a corrupt dealership to get us ina car we did not want in the beginning and now have been locked in an interests rate that is more than double paying for the car or as if i were buying to brand new cars. They have offered no refinance options and at this point i am in the process of getting a lawyer to mediate the outrageous, unethical amd potentially illegal terms of this contract. I have called on several times to tey to reaolve matters with this company. This car and interests rate is so hi im going to soon just drive it back to the dealership and leave it there. Crooked finanace company with a crooked XXXX XXXX and XXXX. I tols them after i gad the car the first couple pf days i didnt want it but was told i was stuck with it. Horrible service high interests im just over this scandalous company.
06/29/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • MD
  • 20854
Web
On XX/XX/2019 I travelled to XXXX XXXX of XXXX, MD to test drive, compare pricing and and ask about financing options. Three hours later I left the dealership at end of my visit dazed, frustrated at the events just happened. First, I left the dealership with a car I did not select. And an {$20000.00} auto loan that was approved without proof of income. In addition, my credit report was run and showed *poor credit. Moreover, I left with an installment loan payment of {$120.00} more than what Im currently paying. Further, the loan agreement has close to {$4000.00} in additional charges over the sale price of auto. On XX/XX/XXXX I tried to return the veichele to XXXX spoke to a manager and explained to manager all of the above and he refused to take car back. I explained for 2nd time to Manager their is no way I can pay this payment.. The loan was approved without proper validation of income. In summary, from the account executive that sold me the car to the auto finance Exeter .I firmly believe I was the victim of Deceptive and Unfair Sales and Finance Tactics that have potential to bankrupt me due to my poor credit. Exeter Currently charging 21.47 APR and is a debt collector
11/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AL
  • 35022
Web
I have been writing to Exeter Financial and the credit reporting agencies for months disputing the incorrect reporting that Exeter has put on my credit reports. Exeter is reporting late payments for months after my account with them was paid in full and closed. I received letters from Exeter stating that they are not willing to change their reporting on my credit report. This letter was sent certified mail with tracking # XXXX. I tracked the letter sent to Exeter to be sure that they received it. I have written to Exeter 's dispute dept, XXXX XXXX XXXX ( CEO ), XXXX XXXX ( President & COO ), and XXXX XXXX ( XXXX ). Exeter absolutely refused to correct their reporting of this account. I have all the letters that i sent to them and all of the letters that they sent back stating that they would not correct their listing on my credit report. Under the Fair Credit Act this is illegal reporting and bad business practice. I have disputed this with XXXX, XXXX, and XXXX. I only get letters from all the agencies stating that the listing has been investigated and it is an accurate reporting. I know that this has not been investigated because it is clearly reporting inaccurate information.
11/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AL
  • 35022
Web
I have been writing to Exeter Financial and the credit reporting agencies for months disputing the incorrect reporting that Exeter has put on my credit reports. Exeter is reporting late payments for months after my account with them was paid in full and closed. I received letters from Exeter stating that they are not willing to change their reporting on my credit report. This letter was sent certified mail with tracking # XXXX. I tracked the letter sent to Exeter to be sure that they received it. I have written to Exeter 's dispute dept, XXXX XXXX XXXX ( CEO ), XXXX XXXX ( President & COO ), and XXXX XXXX ( CFO ). Exeter absolutely refused to correct their reporting of this account. I have all the letters that i sent to them and all of the letters that they sent back stating that they would not correct their listing on my credit report. Under the Fair Credit Act this is illegal reporting and bad business practice. I have disputed this with XXXX, XXXX, and XXXX. I only get letters from all the agencies stating that the listing has been investigated and it is an accurate reporting. I know that this has not been investigated because it is clearly reporting inaccurate information.
03/15/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 22193
Web Servicemember
On XX/XX/2020 I contacted exeter to inform them that a payment will be sent in full to them of for the balance. We paid {$7600.00} for the remaining balance of the vehicle to be paid in full. They said they had not received it. On XX/XX/2020 we had confirmation that it was delivered. When I contacted the company on XX/XX/XXXX they advised that it would take less than 48hrs to process. I called back on XX/XX/2020 and asked if there were notes it was received and they said no to send an email with the tracking information and someone would respond within 24hrs. I had not received response. On XX/XX/2020 I called and was advised because I did not have the check number she couldn't help me. I asked to speak to a supervisor who advised all the information provided was false and it takes 3-5 business days. I had received two different payoff amounts but off which we had overpaid out of our own pocket. We received notifications that our credit score was reduced by almost 60 points because the account shows closed instead of paid in full. We did not close the account we paid it off out of our own pocket. Exeter should have placed the accurate status of the account and failed to do so.
11/16/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33309
Web
XX/XX/XXXX Attention : XXXX Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Social Security : XXXX Email : XXXX Reasons : I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law XXXX, title X, XXXX Stat. XXXX ( XXXX ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX Account Number : XXXX Date Filed : XX/XX/XXXX Type of Account : Collection Address : XXXX XXXX XXXX, IL XXXX Phone:XXXX Reason : THIS IS INACCURATE Account Name : Browardadjus Account number : XXXX Date Filed:XX/XX/XXXX Type of Account : Collection Address : XXXX XXXX XXXX FT.LAUDERDALE, FL XXXX PHONE:XXXX Reason : THIS IS INACCURATE Account name : EXETER FINANCE Account number : XXXX Date Filed : XX/XX/XXXX Type of Account : Collection Address : XXXX XXXX XXXX XXXX, IA XXXX Reason : THIS IS INACCURATE Type Of Account : INQUIRY Account name : XXXX XXXX Date filed XX/XX/XXXX
04/21/2022 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 20602
Web
I participated in a consumer credit transaction XX/XX/2020, with XXXX XXXX XXXX XXXX. Pursuant to 15USC 1635 ( a ), I was never told I had 3 days to rescind the agreement and didn't receive required disclosures. The dealership failed to clearly and conspicuously disclose my right to rescind. Pursuant to 15 U.S. Code 1605 the finance charge in connection with any consumer credit transaction shall be determined as the SUM OF ALL CHARGES which was never disclosed to me, and they are in violation. The dealership also accepted a cash down payment of 2,000.00 dollars violating 15 U.S. Code 1605 which clearly says the finance charge does not include charges of a type payable in comparable cash transaction. The dealership is also in violation of 15 U.S Code 1692J ( Furnishing certain deceptive forms ). I received a phone call today from XXXX XXXX the General Manager at XXXX XXXX XXXX XXXX. He then had the Director of Finance XXXX XXXX called me who stated I needed to take this up with Exeter Finance LLC, who I never gave my information to directly. I sent Exeter Finance LLC an Affidavit and they never responded. They only sent a copy of the contract and my Affidavit back to me.
03/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33896
Web
I have communicated several times with this creditor and I have let him know on many occasions that this account is not mine, I have sent him a police report, I sent him 2 documents from the federal trade commission where these documents explain that I was a victim of theft of identity and they send me a letter saying they do not have enough evidence to substantiate that I was a victim of identity theft and this account is not mine. They allege that they have my cell phone number on the account and that is why this account belongs to me, I alleged that the phone number that appears on that account is not mine and they do not want to do anything. Apart from this they are discriminating against me because I do not speak English and a customer service employee always has to translate for me and they do not translate 100 % what I allege. This is hurting me and I need them to fairly evaluate and prove that I am not the person who opened this account.This week the Detective will be going through the dealer where this account was opened to request some document that the person used to validate his false identity such as ID or passport of the person who opened this account.
10/15/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem related to refinancing
  • IL
  • 60620
Web
In XX/XX/XXXX, I brought my vehicle, it was stated to me that I'll be able to refinance my vehicle within one to two years. XX/XX/XXXX and XX/XX/XXXX, I spoke with a representative from Exeter Finance stating when I'm ready to refinance my vehicle that I can do so with them. I was guaranteed on three separate occasions that I'll be able to refinance my vehicle. In XX/XX/XXXX, I was trying to refinance my vehicle, I spoke with a representative and I was told that I'm not able to refinance my car. I called back again just to verified that I heard correctly, I was told that Exeter Finance DOES NOT refinance vehicles. At this point, I realized that I was fooled by the dealership and by Exeter Finance, I asked this question several times. From this point on, I researched several different financial institutions and all of them denied me of refinancing my vehicle, I've never missed a payment and now I stuck paying a 26 % interest rate that I still owe {$6500.00}. Exeter Finance was very dishonest and they refused to decrease my interest rate despite that I haven't missed not one payment and I was told several times in XX/XX/XXXX, that I'll be able to refinance my vehicle.
08/21/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Confusing or misleading advertising or marketing
  • TX
  • 77396
Web
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX, from XXXX XXXX XXXX on XXXX XXXX XXXX @ XXXX, XXXX, TX, the salesman acquired a {$12000.00} loan through Exeter Finance, LLC. with a 24.1 % interest rate. The interest rate was not explained to me ; however, I told the salesman I had {$1000.00} for a down payment and I did not want my car note to be more than {$350.00}. My credit was fair, so I did not expect to get taken advantage of. The salesman even told me I could bring the vehicle back to XXXX XXXXXXXX and trade it in after 6 months. I attempted to trade the vehicle recently only to be told I still owe XXXX, XXXX on the vehicle, which is valued at approximately {$4000.00}. I have been paying on this vehicle for over 3 years, I even made additional payments which were supposed to be going to the principle of the loan only to discover it went to the interest. I believe this was a fraudulent loan and the salesman must have received additional money for getting me to accept that high interest rate. What happen to me was extremely unethical at the least. Things are hard enough due to the COVID-19 pandemic, then to discover I been ripped off really stressed me out.
05/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 94513
Web Servicemember
Re : Unauthorized credit inquiry I am writing to request the removal of an unauthorized credit inquiry on my XXXX, XXXX and XXXX credit Report. My latest credit report shows a hard inquiry from your company. Ive had a security freeze and fraud alert on my credit file since 2007. According to the FCRA data furnishers are responsible for reporting accurate credit information. The FCRA also states a potential creditor must adhere to FCRA fraud protection guidelines. As a consumer I have done my due diligence to seal my credit file. Utilizing the credit freeze feature and fraud alert feature. Your company is in violation of the Fair Credit Reporting Act. My credit file was accessed illegally by your company. My credit file clearly states a company must contact me via phone to ask identifying questions. Your company allowed someone to gain access to my credit file to apply for credit I did not authorize. Please remove unauthorized inquires from my credit file. I would appreciate a copy of my credit file once this issue is resolved. Unauthorized account information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Thank you, XXXX XXXX
12/23/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • FL
  • 33028
Web
To whom it may concern, I am writing in regard to the below referenced accounts and transactions. Account:XXXX This vehicle was repossessed by Exeter Finance LLC in the State of Florida on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. Under the laws of the State of Florida UCC XXXX and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies. Best Regards,
03/29/2019 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30458
Web
I had an auto loan with Exeter Finance for {$13000.00}. I became sick and my income changed. Exeter would not refi the loan. The auto ended up being repo-ed. I spoke with Exeter to get the remaining balance of {$8200.00} XX/XX/2018. I made {$7900.00} total in payments. The interest rate was @ 24 % on the {$7900.00} of payments = {$1900.00} in interests would seem = {$6000.00} was applied toward principal = {$7600.00} remaining balance. The car auctioned for {$7000.00} - {$7600.00} remaining = {$670.00} + {$1200.00} repo fees = {$1900.00}. Exeter has reported to all three credit bureaus a remaining balance of {$6800.00} which is not even close to the correct amount owed. I have disputed the amount on several occassion to no avail. I dont have a problem with paying what I owe. I have a problem with paying what I know I do not owe. I have talked with Exeter about this incorrect reporting as well. I requested a transaction log from the beginning of the loan until auction how all payments were applied. I have not received this information to date. The account on Exeter page does not show the break down of the payment as applied to the {$13000.00}.
05/27/2022 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 33319
Web
I, XXXX XXXX, entered into a consumer credit transaction with EXETER FINANCE LLC on XX/XX/XXXX. I used my credit card as defined under 15 USC 1602 ( l ) and there was a finance charge involved as defined under 15 USC 1605. EXETER FINANCE LLC then took my credit and got a loan and begin to violate 15 USC 1692e because they falsely represent the status of debt. EXETER FINANCE LLC received a Cease & Desist on XX/XX/XXXX and continued to communicate directly and indirectly after that date violating 15 USC 1692c ( c ). EXETER FINANCE LLC is violated 15 USC 1605a finance charge does not include charges of a type payable in comparable cash transaction. EXETER FINANCE LLC also violated 15 USC 1692f ( 6 ) when they to non judicial action and dispossession the property on XX/XX/XXXX. EXETER FINANCE LLC violated 15 USC 1635 ( a ) by failing to clearly and Conspicuously disclosure all disclosures to me in regards of my Right of Rescission, they also failed to provide me with the appropriate forms to execute my rights.On XX/XX/XXXX I sent EXETER FINANCE LLC and written Notice of Rescisson and they have failed to follow through with my written instructions.
08/30/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30080
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX # XXXX XXXX, XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately please this is hurting my credit. Im in the process of purchasing a home. Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Inaccurate/not verified XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate
01/31/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • TX
  • 75056
Web
Exeter finance is and has been in violation of several Truth in Lending Act laws as well as Federal Debit Collection Practice Act. I have made them aware in several complaints of these violations on XXXX XXXX and XXXX XXXX via this Consumer Financial Protection Bureau site. Exeter was also notified that my right to rescind pursuant to 15 USC 1635 ( a ) was withheld from me during the Consumer Credit Transaction, therefore, on XX/XX/2021 I exercised my right of Rescission and according to FEDERAL LAW 15 USC 1635 ( b ) When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. And lastly my personal property was STOLEN via an unauthorized third ( XXXX ) and fourth ( XXXX XXXX XXXX ) party that were not witness to the Consumer Credit Transaction but instructed by Exeter to steal my personal property from my abode infringing upon my right to privacy. I am the original creditor I gave Exeter credit with my signature on the negotiable instrument.
02/20/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • TX
  • 75287
Web
I received an auto loan from Exeter Finance on XX/XX/XXXX, 2013. The company did not go over the terms until the account began delinquent, due to not being able to afford the account. Throughout the term of the loan, I had XXXX where I could not go to work. And I advised this to them, and they did not provide options to help me. They offered me help twice throughout the time I had the loan. When I purchased the vehicle, it was over XXXX. When I looked at the account recently, the remaining balance was over XXXX, how does a person is the span of 4 years, only pay a little over 3000.00 on the car, that does not make sense to me. Come to find out I had a daily interest loan. How in the XXXX am I supposed to afford that type of loan. To me that is predatory lending. I am disgusting by this company. They harassed me over and over and over, when I explained my situation. There is no way any one should pay XXXX on a car loan. They have caused me emotional distress by repossessing the car, not from my house, but from private property. I need them to remove this from my credit, I will be forced to take legal action, towards their predatory lending.
04/04/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48307
Web
On XX/XX/XXXX I sent a certified letter to Exeter requesting proof of " written authorization '' by me with my signature to pull my credit. Exeter only responded I submitted an application for credit on XX/XX/XXXX, however failed to produce said signed application as requested. Thus I am assuming they have to such documentation and do not have written authorization from me to themselves to run my credit and are in violation of the FCRA by failing to do so. According to section 604 permissible purposes are : Firm offer of credit, insurance, employment and court order. Section 604 also states the consumer MUST give " written instructions ''. I have attached an FTC advisory opinion ( below ) which interprets Section 604 of the FCRA on what is both permissible and considered " written instruction ''. According to this FTC advisory opinion Exeter is in direct violation of Section 604 of the FCRA. I again request that the UNAUTHORIZED inquires be removed from my credit report or be provided proof I have given " written instructions ' to pull my credit. By providing me a copy the alleged application on XX/XX/XXXX. https : //www.ftc.gov/XXXX
08/24/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35207
Web
My legal name is XXXX XXXX I currently reside at XXXX XXXX XXXX XXXX XXXX, Alabama XXXX. I am demanding that the following account listed below be removed from my credit file as it is fraudulent & inaccurate. The credit reporting agency XXXX faced a global security breach, resulting in millions of consumers personal information being exposed. As a result of this, I am a victim of identity theft. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to bring this information forth to a judge in my area, to file suit against your company for reporting this fraudulent account to my XXXX, XXXX, and XXXX XXXX reports. If you do not immediately remove these inaccurate and incomplete accounts in XXXX business day, I will move forward with filing suit against your company and all companies involved, as I have never done business with your organization and should not be responsible for any fraudulent accounts and information placed on my personal credit files as a result of identity theft. Over 60 days ago, I requested full debt validation from your company however I have yet to receive the legal information requested.
07/17/2022 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MS
  • 39183
Web
Im a federally protected consumer, and I am making this complaint against Exeter Finance LLC. for committing identity theft. I have never given Exeter Finance LLC. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Exeter Finance LLC. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Exeter Finance LLC. continues its collection efforts, I will file for litigation for actual damages caused and Exeter Finance LLC. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
07/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • CA
  • 91202
Web Servicemember
On XX/XX/2021, I contacted Exeter Finance, LLC ( Creditor ) to dispute a missed payment listed on my credit reports. The account in question has been closed for over a year, as it was paid it full prior to the account monthly due date. 30 days had passed with no response from the creditor, so I called them to inquire about the dispute, one representative said the dispute was never filed by them, and another representative who handles disputes stated the dispute was still processing. I informed the representative that they must remove the account from my credit report because they are time bared according to FCRA. An additional 30 days had passed and the creditor continued to report the account being late. I then received a letter from creditor by mail that was unrelated to my dispute asking if the matter was handled. On XX/XX/2021, I sent a certified demand letter giving the creditor 15 days ( XX/XX/2021 ) to delete the account from my credit report or I will elevate the matter to include legal remedies. On XX/XX/2021, my demand letter has been ignored and the creditor continues to report the inaccurate information.
03/16/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • CA
  • 91411
Web Older American
I purchased my car in XX/XX/XXXX and set it up on automatic payments. The have taken it out every month and then I actually had a dream that my car was being repossessed and it bothered me since I have never been late. I checked my bank and realized they did n't take a payment out for XX/XX/XXXX and XX/XX/XXXX. I immediately called and paid the 2 months and they informed me that I was 38 days late which will appear on my credit report. When I asked why, they had no answer. It showed I was kicked out of the system for automatic payment. I was never notified. They said they tried to call me on XX/XX/XXXX which makes no sense because I was n't late at that time. The number they had was a completely wrong number. I work really hard on my credit and I do n't think I should be penalized because of their error. I disputed it and received a letter saying that the information reported was correct. I want that 30 days past due off my report. They had no reason and no answers for me. I just got " I do n't know. '' I am attaching a copy of my credit history which they were suppose to send me to no avail. I hope you can help me.
03/05/2018 No
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Confusing or misleading advertising or marketing
  • AL
  • 35235
Web
I am a Licensed Used Car Dealer with the State of Alabama. I contacted my friend XXXX XXXX at XXXX XXXX in XXXX, Alabama to purchase a New XXXX Truck under my Company 's Name using it's DUNs Number and EIN. He explained to me that I would have to XXXX the loan in which I new. I inquired about a XXXX XXXX truck, explained to him that my Transunion score was a XXXX and that I only had XXXX Tradeline. I made specifically clear to him to tell his Sales and Finance Manager to only pull my credit once, to only use my Transunion Credit report and to only send my loan request to XXXX XXXX. Well that did not happen, XXXX XXXX pulled my credit 3 times and they sent my loan request to 19 different lenders in which is fraudulent and unacceptable. I did not give them permission to blast my information to all of the Lenders they sent them to with me knowing that my Transunion report was the only hope I had. They took advantage of me, lowered my credit scores and now preventing me from Refinancing some commercial property I am buying on a lease purchase. I want all of the credit inquiries removed from my Credit Report Immediately
10/05/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NE
  • 68111
Web
OnXX/XX/XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX. I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.
09/08/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • PA
  • 17552
Web
I first contacted XXXX about the unauthorized inquiry. They informed me that I need to get a police report if I did not authorize the inquiry and to contact the actual company who placed the inquiry. I went to the police department and I have attached the document that I was given. I faxed over the information they requested just to be told that it was not good enough they needed an actual report. So unknowingly I called the police again and tried my best to get an " actual police report '' that they requested. Only to be told numerous times that they do not give actual police reports for this type of matter, only for car accidents. I added the card of the police officer whom made the report only to be told that they ca n't contact the police.Next I contacted Exeter Finance Corp the company who actually placed the inquiry on my credit only to be told that it was nothing that they could do because they received the authorization through XXXX XXXX XXXX even after I expressed to them that it was not me. I next tried calling XXXX XXXX XXXX multiple times leaving many messages unable to get anyone to assist me.
04/10/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • CA
  • 95376
Web
Approved for auto loan with Exeter in XX/XX/XXXX. Due to the timing of when I was approved and purchased the car, my initial payment due date was set at the XXXX of the month. Shortly thereafter, I requested that my payment due date be changed to the XXXX because I only got paid once a month on the last week day of the month at the time. In XX/XX/XXXX I started a new job that has bi-monthly pay days on the XXXX and XXXX. I requested a new due date of the XXXX to coincide with my second paycheck because i have been paying late fees while making my payments on the XXXX which is past the 10 day grace period. Although I am able to go online to set up the payment for the XXXX I am still charged the late fee and still receive collection calls. They do not check beforehand to see that I have set up a payment. I am a customer that is doing her best to ensure I am making timely payments and communicating when I need more time. It seems senseless not to allow a customer to adjust the due date to accomodate their payday schedule. This is only a second request after a number of years and is only due to a job change.
07/22/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • FL
  • 33065
Web
( 1 ) As of XXXX Exeter XXXX finance has stopped providing me with monthly statements and additionally, has failed to provide me a detail breakdown of how much interest has applied daily to my account with a daily balance despite numerous requests. ( 2 ) Exeter finance took my whole {$400.00} in interest for an online payment submission that was not submitted to my bank which was no fault of mine neither was I notified that the payment was unsuccessful. ( 3 ) As of XXXX/XXXX/2015 after my most recent monthly payment of {$400.00} Exeter finance has posted a balance dated XXXX/XXXX/2015 ( see account summary attached ) {$9700.00} however as of XXXX/XXXX/2015 I still can not see what my current balance has reflected to date since this summary balance statement has a date for four months down in the future. My husband and I have paid over $ 5000- {$6000.00} on the car already and we still have a high balance as well as we are unclear how high the exact balance is. ( 4 ) The car paint faded in two-three weeks after we purchased the car as if the paint is burnt out. we felt we were shorted on that end also.
01/07/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • NC
  • 28337
Web Servicemember
this is a response to exeter finance who stated i said i stated that the account is fraudulent. however, i did not say this. in the email i sent them, i stated : " to whom it may concern, i will need my loan and account closed. i was the victim of fraud and identity theft, someone went around using my social security number without my knowledge and consent. my account number is XXXX my name is XXXX XXXX XXXX my social security number is XXXX i want you to report to credit bureaus about this to remove account information, i do not want to take any chances with this. please do so, thanks. and please come and get your vehicle that was financed. i had to file a police report and i have filed an ftc id theft report as well. thanks '' i stated i did not want to take any chances on this with my ssn being used without my consent. this is why i reported your company to the NC DOJ recently because of stuff like this. i fought hard for this country and you should do something about this account and vehicle. i surely hope you get your business shut down by the NC DOJ because of this kind of stuff. thanks
04/16/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NV
  • 89148
Web
OnXX/XX/XXXX AND THEXX/XX/XXXX XXXX XXXX XXXX, and, EXETER FINANCE CORP, and XXXX XXXX XXXX XXXX pulled a hard copy of my credit report without my consent. I have been a victim of Identity Theft, and someone has been opening, different accounts, and applying for loans in my name using my information. I have filed a police report, and a Identity theft report. Over seven accounts been opened in my name, and mt credit has been ran 16 times these three companys pulled a hard copy off my XXXX and XXXX credit report on the dates above, I have not applied for loans, in yyears. I found this out when I pulled my credit report in XX/XX/XXXX. I contacted the three credit companys to place a block on my credit for 90 days while all this is suppose to be fixed. I reached out to each of the three companys above and, they said they would remove them. They also told me that this was done online, that someone was trying to apply for a loan online at a local car dealership here in XXXX XXXX, Nv at XXXX XXXX which is located at XXXX XXXX XXXX XXXX XXXX XXXX NV I called and spoke to the manager no help there.
02/17/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • NJ
  • 08330
Web Older American
I purchased a XXXX Buick Rainer on XXXX XXXX, XXXX. The amount financed for the Vehicle was {$16000.00}. Since XXXX XXXX, XXXX, I have been paying the sum of {$440.00} every month. To date, I have paid {$15000.00} and have been inform that I still owe {$10000.00} on the Vehicle. Since I got the Vehicle, I have been experiencing serious problem involving periodic repairs. This has been going on until recently, the Vehicle has broken down. The repair bill is over {$4000.00}, which I do n't have. I have tried to solicit help from the loan company, Exeter Finance, but they have flatly refuse to even listen to me. I asked for them to refinance the vehicle, but they told me to go to other Loan Institutions as they do not finance their own loan. I am writing this complaint to inquire as to what steps are available to solve this problem. I casn not continue to pay for a vehicle that I am not using. It is apparent that during the course of this loan, I have only been paying interest, and little or no principle. Please advise on how I can get help in this situation. Thanks for your anticipated help.
05/11/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • WV
  • 26037
Web
I have an auto loan with Exeter Finance and they continue to not report in a timely manner to the credit bureaus. On XX/XX/XXXX they reported the XXXX payment. The payments are made at the beginning of the month. It is XX/XX/XXXX and the reports are only reflecting through XXXX. Additionally, my score dropped b/c the balanced reported on XX/XX/XXXX increased by {$240.00}. All payments for the last 6 months have been made on time and for the full amount of {$390.00}. Therefore, I do not understand how the balance reported was {$240.00} more. The balance reported is showing as {$11000.00} and the balance remaining currently is {$11000.00}. When trying to explain this to anyone at Exeter the best answer that I get is that it is " how the interest posts ''. The interest is {$240.00} a month. However, if I paid the full {$390.00} on XX/XX/XXXX and they reported on XX/XX/XXXX, my balance should have decreased by {$150.00}. This company continues to take advantage of borrowers by reporting in a manner that interferes with my credit score in an effort to keep you stuck in their predatory loan.