Exeter Finance, LLC.

Exeter finance in previous responses said they dont have to honor any settlement yet in contract my wife said that it says that there may be a dispute between me and the finance company and any further action of any kind outside of a dispute with Exeter waives all rights, now it is on file that Exeter said they dont have to honor any settlement and before that they said that the problems were not their problems that me the customer brought to them over the phone which is part of the legal binding contract which they waived by telling me that the issues were not there problem and to go back to the dealership before I even filed a complaint, which they have to honor a settlement because they forfeited the contract making the contract void which is waiving their rights in a breach of contract.…

Read full complaint at CFPB →

Details : Exeter XXXX is reporting a chargedoff auto loan with multiple inaccuracies, including : A {$0.00} balance while also showing the debt was not sold Missing Date of First Delinquency ( DOFD ) Chargeoff reported in XXXX despite a chargeoff date of XX/XX/XXXX Missing repossession details Missing original creditor information Inconsistent status and balance update dates Incomplete loan terms These errors violate FCRA XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), and XXXX. The reporting also appears to unlawfully extend the reporting period, suggesting reaging, which is a serious FCRA violation. I have disputed this with the credit bureaus, but they continue to verify the account without correcting the errors or providing a valid method of verification. Requested Resolution : Full investigation Correction or deletion of all inaccurate information Confirmation of the DOFD Removal of any reaged data Written explanation of the verification process

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Submitted via : consumerfinance.gov/complaint FORMAL COMPLAINT AGAINST EXETER FINANCE CORP Re : Unlawful Deficiency Collection, Improper Fee Assessment, and Inaccurate Credit Reporting Exeter Finance Account XXXXXX/XX/XXXX COMPLAINANT INFORMATION Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Account Number : XXXX Company Complained Against : Exeter Finance Corp, XXXXXX/XX/XXXXXXXX, XXXX, TX XXXX XXXX.…

Read full complaint at CFPB →

My auto loan with Exeter Finance had a XXXX term and reached its contractual maturity date on XX/XX/XXXX. The original loan amount was approximately {$10000.00}. I have made consistent monthly payments of approximately {$280.00} since XXXX and have made over XXXX payments, totaling approximately {$17000.00}, which is significantly more than the original contract amount. Despite completing the loan term and paying well over the original balance, Exeter Finance is still claiming I owe approximately {$3400.00} and has continued collection efforts, including threats of repossession. I requested validation of this debt through a certified letter, including the original signed contract, full payment history, breakdown of interest and fees, and a clear explanation of how the remaining balance was calculated after the maturity date. It has been over XXXX days, and I have received no response.…

Read full complaint at CFPB →

I got the vehicle in XX/XX/year>. It was a 72 month lease. Nobody told me out of the XXXX a month that XXXX dollars of it goes to interest before the actual car. I made XXXX payments on a XXXX car. And still owe XXXX, and that makes no sense to me and very shady seeming. Especially since they refuse to let me have a copy or see my contract online.

Purchased auto XXXX XXXX Paid note on time from XXXX XXXX through XX/XX/year>. Borrowed {$12000.00}. Auto was wrecked on XXXX XXXX. Exeter wants {$13000.00} for payoff which is more than we borrowed. The monthly note was {$360.00}. XXXX months payments equal to {$2100.00}. InteresXXXX charged was {$1700.00} Principal paid was {$390.00}. How can we owe more than we borrowed? This is sub prime lending. I was unaware sub prime lending was even legal and I was not made aware of this when the auto was purchased. Please help me settle this. Exeter lending is taking advantage of people and should be stopped. Thank you.

I am filing a complaint against Exeter Finance LLC for inaccurate and misleading credit reporting. This account was opened on XX/XX/XXXX, and is reported as charged off as of XX/XX/XXXX. However, the account continues to report monthly charge-offs ( CO ) throughout XXXX and XXXX, along with a continuously updated past-due balance of {$12000.00}. A charge-off is a one-time accounting event, yet this account is being reported as if it is repeatedly charged off each month. This creates a misleading and excessive negative impact on my credit profile. Additionally, the continued reporting of a past-due balance after charge-off appears to be duplicative and inaccurate. I previously disputed this account, and the company responded that it is accurately reported, without providing sufficient documentation or conducting a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ).

Exeter Finance caused, furnished, verified, allowed, or failed to correct bankruptcy-related reporting on my account ending in XXXX, even though this account was never included in bankruptcy. XXXX dispute results state that the Exeter tradeline was verified as accurate and updated and that the XXXX XXXX was changed to Account Included in Bankruptcy. That status is false. Exeters own Statement of Account dated XX/XX/year> for account XXXX does not provide account-specific proof that this account was ever included in bankruptcy. It reflects the account and a total outstanding balance of {$0.00}, but the bankruptcy language in that document is generic conditional boilerplate, not evidence that this particular account was included in any bankruptcy proceeding. A generic disclaimer, internal coding issue, automated system issue, vendor issue, or bureau translation issue does not make false bankruptcy reporting accurate.…

Read full complaint at CFPB →

On XX/XX/XXXX, Exeter Finance LLC transmitted a four-page Payment Extension Agreement offering to extend XXXX scheduled payments originally due XX/XX/XXXX and XX/XX/XXXX to XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, respectively. This agreement advances the loan 's maturity date from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and, by Exeter 's own written admission, imposes an estimated additional cost of {$1700.00} on the consumer, increasing the projected final payment from {$6300.00} to {$8100.00}. This constitutes a material modification of a consumer credit contract governed by the Truth in Lending Act, 15 U.S.C. 1601 et seq., and its implementing regulation, Regulation Z, 12 C.F.R. Part 1026. Exeter issued this modification agreement without providing any of the redisclosures required by federal law.…

Read full complaint at CFPB →

I am filing a formal complaint against Exeter Finance LLC regarding inaccurate reporting and an invalid deficiency balance following repossession. The vehicle ( XXXX XXXXXXXX XXXX ) was sold for only {$2400.00}, while the remaining balance exceeded {$27000.00}. This raises serious concerns that the sale was not conducted in a commercially reasonable manner as required under applicable law. Exeter has failed to provide proper validation of the alleged debt. They only provided a copy of the contract and internal account history, but did not provide : Auction location, date, or method of sale Identity of purchaser Proof of fair market value at time of sale Evidence that the sale was commercially reasonable Full accounting of fees and applied credits Additionally, Exeter stated that insurance and XXXX refunds may not yet have been applied, which calls into question the accuracy of the balance being reported.…

Read full complaint at CFPB →

I am filing a formal complaint against Exeter Finance for deceptive payment practices, refusal to provide written confirmation of account changes, and technical failures. My monthly payment is {$710.00}. I have repeatedly requested that any amount paid above this total be applied 100 % and exclusively to the PRINCIPAL BALANCE. I explicitly refuse the 'Paid Ahead ' status. Currently, the banks system incorrectly applies overpayments as pre-payments for future months, which does not reduce the principal balance immediately and allows interest to keep accruing on the full amount. I want my extra money to work toward debt reduction now, not as a credit for future months. I also refuse to split my monthly bill into XXXX separate payments, as this is a tactic for the bank to receive funds earlier without providing any real benefit to me.…

Read full complaint at CFPB →

Recently I went XXXX purchase a new car, XXXX found that my identity had been stolen, XXXX used XXXX purchase XXXX finance a vehicle with EXETER FINANCE. The current balance due on my credit report shows {$24000.00}. I DO NOT have a vehicle financed with Exeter Finance. I have filed an FTC Identity Theft report ( attached )

The vehicle was towed in XX/XX/XXXX. Vehicle was sent to auction prior to the " Notice of Intent to Dispose of the motor Vehicle '' was generated. Fees were paid and vehicle could not be found for XXXX days. Since then, Exeter Finance has charged a fraudulent {$460.00} key fee, despite auction records proving no key was made. Exeter ignored messages and letters disputing the amount for over a year. On XX/XX/XXXX, Exeter marked the account as 'Closed/Written Off ' with this fraudulent balance included. A new collection agency, XXXX XXXX XXXX, which violated my rights by leaving a detailed voice message with an acquaintance ( case number XXXX ). They claimed to own the account and I have served them a formal dispute that was received via certified mail on XX/XX/XXXX. Under the Rosenthal Act, this legally stays all collection for XXXX days. Despite this, Exeter has re-emerged as of the XX/XX/XXXX harassing me with calls to collect the written-off balance.…

Read full complaint at CFPB →

I am submitting a formal dispute regarding the repossession account reported by Exeter Finance LLC. I previously filed a complaint, and while Exeter responded, their response failed to provide sufficient documentation to validate the accuracy and legal compliance of this account number of XXXX At this time, I am requesting the following : 1. Proof of actual delivery ( not just mailing ) of the Notice of Right to Cure Default and the Notice of Sale. 2. Documentation demonstrating that the sale of the vehicle was conducted in a commercially reasonable manner, including sale method, location, and valuation. 3. A complete and itemized breakdown of the deficiency balance, including all fees, interest, and charges applied. 4. Verification that all information reported to the credit bureaus is 100 % accurate, including dates, balances, and account status. Under the Fair Credit Reporting Act, all reported information must be accurate, complete, and verifiable.…

Read full complaint at CFPB →

I originally submitted a complaint with the protection bureau and the Exeter XXXX said they will not honor, so if it is a contract and not a financing loan then why does it have on the paperwork that says, amount financed? Also dont I have a right out of a contract with a vehicle that has N/A marked for condition of head lights, also the dealership said there was no sold as is so the contract tells me other wise. I have a right of my contract especially when the papers I got the day of purchase said the last reported mileage reading on the car was XXXX miles yet the original owner only drove XXXX miles a year so where are the other XXXX something XXXX miles? Exeter finance accepted the deal with the dealership that lead to our contract. I have been lied to by Exeter and the dealership multiple times and they just lied to the XXXX XXXX.…

Read full complaint at CFPB →

I sold my vehicle to XXXX XXXX XXXX XXXX in XXXXXXXX XXXX. Exeter took the longest posting the final payment received on the vehicle. I asked them to remove the late payments as it was not my fault and they refused to comply. I also asked since the loan was paid in full and balanced agreed was received could a good will be given. I was denied and I still have these negative ratings reporting as a result of their lazy billing and payment reporting. I have asked them to pull the transcripts of each time either I called or the dealership and they refused. This payment was sent certified XXXX mail

I am writing to formally dispute an unauthorized inquiry and/or access to my consumer credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b ( a ) ( 2 ). Under this section of the law, a consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. I have not provided written authorization, consent, or permissible purpose for your company to access or obtain my credit report. Therefore, I request the following : 1. Immediate removal of the unauthorized inquiry from my credit report. 2. Documentation bearing my signature that proves I authorized this inquiry. 3. A detailed explanation of the permissible purpose used to access my report. If you are unable to provide verifiable proof of my authorization, this inquiry must be deleted promptly as required by federal law.…

Read full complaint at CFPB →

XXXX was on XX/XX/year>. The tow company used a truck with no bed, which caused the front wheels to be on the ground. My car is an all wheel drive and can not be towed that way. The alignment and front tires were damaged. The damages totaling around {$900.00}. Also the front headlight was cracked. I've reported this to the bank and they are denying fault.

I am writing to file a formal complaint regarding Exeter Finance and XXXX XXXX concerning my 2014 XXXX XXXX. I made a full payment to Exeter to reinstate my vehicle after it was repossessed. Despite paying in full, my car was sent to XXXX XXXX in South Carolina, and I was not able to retrieve it. I can not physically travel to South Carolina, and XXXX refuses to authorize a third-party pickup or provide shipping. I have also requested a refund for the payment I made, and Exeter has refused. I have spoken to front-line representatives and a manager at Exeter, but they have refused to provide a solution. XXXX XXXX has confirmed they can not release the vehicle without authorization from Exeter.

This complaint concerns Exeter Finance LLCs failure to identify which of its written communication directives governed. On XX/XX/year>, XXXX XXXX XXXX XXXX XXXX sent me a written letter directing me to cease and desist from further communications on the same or similar matters, stating that Exeter would not respond to future complaints of that nature, characterizing continued contact as harassment, and warning that Exeter would consider possible legal action. After issuing that directive, Exeter later issued multiple CFPB responses that affirmatively instructed me to contact Exeter and the XXXX of the XXXX. In its XX/XX/year> response to CFPB complaint XXXX, Exeter stated that it may have options available to assist me, instructed me to contact Exeter to discuss potential solutions, and also encouraged me to contact the XXXX of the XXXX for any questions or concerns.…

Read full complaint at CFPB →

Creditor : Exeter Finance Account Number : XXXX Date Opened : XX/XX/year> Original Balance : {$28000.00} This account is the result of identity theft and was not opened, authorized, or signed for by me. I have filed an official Identity Theft Report with the Federal Trade Commission ( FTC ) and submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ). Under FCRA 605B, this account must be blocked and removed from my credit file immediately. Additionally, I am demanding validation under FCRA 609 ( a ) and 611 ( a ).

This is an aggressive follow-up to my complaint regarding the repossession of my vehicle. I have not received a meaningful response or any serious effort to address or resolve this matter. This lack of action is unacceptable. The repossession is formally disputed due to improper notice and failure to comply with required legal procedures. Your continued delay and inadequate response raise serious concerns about compliance and good faith handling of this matter. I am demanding an immediate and thorough response explaining the basis for the repossession and the actions taken.

I am disputing the collection account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX, XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

* My vehicle was repossessed from a XXXX parking lot without my knowledge. * Personal items in the car were stolen by the recovery company, XXXX XXXX XXXX. * It took me about a week and a half to locate the vehicle. * I was homeless at the time, making the loss of the car and my belongings especially difficult.

I am filing this complaint against Exeter Finance LLC regarding a charged-off auto loan account reported on my credit file. The account ( No. XXXX ) is reported as charged off in XX/XX/year>XXXX with a balance of {$12000.00}. According to my credit report, the account reflects a charge-off and past-due balance. Under Internal Revenue Code 6050P, financial institutions are required to file Form 1099-C when an identifiable event occurs that results in the cancellation or discharge of indebtedness of {$600.00} or more. I have sent written correspondence to Exeter Finance LLC requesting : A copy of any Form 1099-C issued in connection with this account ; and Written confirmation stating whether the debt has been canceled, discharged, forgiven, sold, transferred, or remains legally enforceable.…

Read full complaint at CFPB →

I have talked with several individuals at Exeter finance to get an understanding of how the payments are applied to the interest and principle of the loan. They have stated that they are unable to give me a breakdown of how the payments are paid. I have been paying on the loan since XXXX and the balance has only gone down by {$2000.00}. When I look at the statement online, there are several instances that the principle has not been paid for 6 months at a time. They continue to tell me it is because of late charges and interest meanwhile I am paying {$75.00} over the minimum payment.

EXETER FINANCE LLC : I purchased a vehicle XXXX years ago costing {$32000.00}. Over the course of XXXX and a XXXX years i paid on time everytime $ XXXX a month. My insurance kept going up and had reached $ XXXX so unable to pay that i went down to liability. Few months later i end up totaling the car, having the means to make it right that same day i called Exeter financial with an offer of {$15000.00} to pay off the {$2000.00} left on the vehicle along with some for any interest. They proceeded to tell me they do not negotiate. So i continued to pay my note on time every month on top of the new note from the car i had to buy to get back and forth to work. Up until i could no longer handle both payments. Which they then sent me an offer to pay 25 % of the cost of the vehicle. Since they do not negotiate i ignored that. They then came offering 15 %, i ignored that then they closed the account and charged of the whole {$32000.00}. Then offered 5 %.…

Read full complaint at CFPB →

I am filing this complaint regarding inaccurate credit reporting by Exeter Finance LLC. Exeter Finance is reporting an account on my credit report as a profit and loss write-off with a balance of {$20000.00} and a charge-off date of XX/XX/year>. I dispute the accuracy of this reporting and have requested documentation verifying the balance and repossession details. To date, I have not been provided with adequate documentation supporting the reported balance or the calculation of the alleged deficiency amount after repossession of the vehicle. Specifically, I have requested documentation including the original signed loan agreement, full payment history, notice of sale, auction sale price of the vehicle, and a detailed calculation of the remaining balance. Without proper documentation, the accuracy and legality of the reported balance can not be verified. Reporting unverified or inaccurate information on my credit report is a violation of the Fair Credit Reporting Act.…

Read full complaint at CFPB →

While reviewing my credit reports, I discovered that an account had been opened in my name by EXETER FINANCE on XX/XX/year>, with a reported balance of {$19000.00}. I did not apply for, authorize, or benefit from this account, and I do not owe this debt. Upon reviewing my credit reports from all three major consumer reporting agencies, I also noticed that the spelling of my full name is incorrect. The correct spelling of my full name is XXXX XXXX XXXX XXXX. Additionally, the reports list addresses where I have never lived. Concerned about potential identity theft, I checked the XXXX data breach settlement website and confirmed that my personal information had been compromised in the large-scale XXXX breach . I also filed an identity theft report with the Federal Trade Commission ( FTC ). After discovering the fraudulent account, I disputed it and requested documentation from the company showing that I am responsible for the debt.…

Read full complaint at CFPB →

Car was included in a bankruptcy. I had a wreck and my insurance paid the car off. I only owed XXXX but the insurance sent the whole check of XXXX to the finance company. They was suppose to send me the difference. Which was XXXX. They never did and keep avoiding me. This has been going on too long.