Exeter Finance, LLC.

CFPB Complaint No. XXXX Subject : Rebuttal to Exeter Finance LLC 's Response Identity Theft Involving a Minor Child To the Consumer Financial Protection Bureau : I respectfully reject Exeter Finance LLC 's response because it fails to address the central issue raised in my complaint. My complaint was never about obtaining account information as a third party. My complaint is that my XXXX son 's Social Security number was allegedly used to obtain an automobile loan without authorization. The Central Issue My son was born on XXXX XXXX XXXX and is only eXXXX XXXX XXXX An XXXX child can not legally apply for credit, purchase a vehicle, sign a finance contract, or authorize anyone to obtain credit in his name. Exeter 's response does not explain how a vehicle loan could have been approved using a minor child 's Social Security number. Questions Exeter Must Answer 1. How was the Social Security number verified? 2. What date of birth was submitted on the application? 3.…

I only had possession of the XXXX XXXX XXXXXXXX for 3 months before breaking down and unable to drive it .I went to XXXX XXXX XXXX XXXX several times for then to fix the vehicle and they wouldn't cooperate with me at all after I paid to have the vehicle towed there.I ended up driving the vehicle back home and it broke down again.This vehicle was finance through Exeter Finance LLC , whom which sold the vehicle and still wanting money from me.The place where I purchased the vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX where I traded my XXXX XXXXXXXX XXXX, they said they were giving me XXXX for my trade.I didn't get my car back nor money I loss in this whole ordeal and still don't have a car as of today.I contacted EXETER FINANCE LLC , several times notifying them on the problem still no cooperation with them neither. So why should I be forced to pay for a vehicle I could n't drive so I did a voluntary repossession.…

I am filing this complaint because an auto loan was opened in my name without my knowledge or authorization. I did not apply for, consent to, or sign for this loan. I am requesting a full investigation and copies of the original application, signed contract, identity verification records, and all documents relied upon to open the account. If the lender can not verify that I knowingly authorized this loan, I request that the account be removed from my credit reports, all inaccurate information be corrected, and I receive written confirmation of the outcome.

I am the original and primary borrower on this auto loan. I recently discovered that the company processed 13 payment extensions on my account. I did not request, approve, sign, or authorize any of these extensions. I was not informed that these repeated extensions were being added to the loan or how they would affect the interest, principal balance, maturity date, or my credit. The loan was opened in XXXX XXXX for approximately {$28000.00} at an APR of 26.4 %, with a monthly payment of {$800.00}. The account currently shows approximately 48 payments made, 13 months extended, a maturity date of XXXX XXXX, and a remaining balance of approximately {$25000.00}. Despite years of payments, very little principal appears to have been reduced. The vehicle has been used by my XXXX father, but the loan is legally in my name. I never authorized him or anyone else to modify the contract, request payment extensions, or make servicing decisions on my behalf.…

Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant : XXXX XXXX XXXX : XXXX XXXX XXXX Subject : Complaint Regarding Inaccurate Credit Reporting by Exeter Finance LLC I am filing this complaint against Exeter Finance LLC for continuing to report an account that is no longer legally being reported accurately. The account concerns a XXXX XXXX XXXX, Account Number XXXX. The account has been written off, and the balance reported is {$0.00}. Despite this, the account continues to appear on my credit report, causing ongoing damage to my creditworthiness. In addition, any associated hard inquiry should no longer continue to adversely affect my credit if it is being reported inaccurately. The reporting is misleading because the account has been charged off and reflects a XXXX balance. I believe the information being furnished is incomplete and inaccurate, and its continued reporting is unfair and harmful. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.…

I am filing this complaint to report a pattern of predatory and discriminatory lending, deceptive practices, and abusive servicing by Exeter Finance LLC and its originating dealer, XXXX XXXX XXXX XXXX XXXX XXXX, MO ), in connection with the financing of my XXXX XXXX Yukon.In XX/XX/XXXX, I attempted to purchase the vehicle. The dealer refused to approve me with " no money down '' and also rejected a {$1000.00} down payment. I was told the only way I could be approved for financing was to provide a {$14000.00} cash down payment. This was presented not as an option but as a non-negotiable requirement from the lender, Exeter Finance. This constitutes a deceptive and unfair practice under the Missouri Merchandising Practices Act, as it was a material misrepresentation designed to extract the maximum possible cash from me at origination.…

EXETER FINANCE LLC is reporting a vehicle-finance account in my name as a charge-off. I dispute the accuracy and completeness of this account and request that the charge-off and related account information be deleted unless Exeter can fully verify the obligation through reliable evidence. Exeter Finance LLC 's continued reporting of this account as a charge-off has caused substantial and ongoing financial harm. Because of this reporting, I have been denied credit, my credit score has declined, and my ability to obtain financing and secure housing has been negatively affected. The inaccurate reporting has made it difficult for me to move because landlords and lenders review my credit history when evaluating rental and financing applications. This disputed account has damaged my financial reputation and continues to interfere with my ability to obtain affordable credit, housing, and other financial opportunities.…

I contacted Exeter Finance directly to demand my lien release after my credit report updated to closed. Exeter customer service refused to send it to me, stating that because the account was closed via a 'dealer buyback, ' the lien release paperwork could only be sent directly to the selling dealership, XXXX XXXX XXXX XXXX. Since the day I discovered the loan was bought back, I have ceased all contact with the dealership on the advice of legal counsel. XXXX XXXX XXXX XXXX is intentionally holding the Exeter lien release hostage as leverage to extort a lump-sum payment or force me into a new line of credit, despite having no active perfected lien on the vehicle.

XXXX requested the following information from the company but they did not respond: \nCert Mail: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnExeter Finance, LLC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDear Exeter, \nThis letter is a request for information regarding the account listed above. At this time \nIm requesting the following documents: \n1. Notification before Disposition of Collateral; \n2. Timeliness of Notification before Disposition of Collateral; \n3. Contents and Forms of Notification before Disposition of Collateral; \n4. Explanation of Calculation of Surplus or Deficiency; \n5. Copy of the Retail Installment Sales Contract; \n6. Account Payment History \nPlease send the requested information within XXXX business days. \nSincerely, XXXX XXXX XXXX

I paid off my auto loan with Exeter Finance XXXX years ago. Exeter sent a lien release document, but it contains a critical clerical error : they listed the wrong original file number ( they listed XXXX, whereas it needs to be XXXX ). The XXXX XXXX XXXX will not accept it, meaning the lien remains wrongfully active on my vehicle. Under Kentucky Revised Statute 186.045, a secured party must properly execute a valid discharge. Exeter Finance has failed to provide a legally valid release document despite the loan being fully satisfied years ago. I am demanding that Exeter Finance immediately generate and send a corrected XXXX XXXXXXXX Lien Statement ( Form TC 96-187 ) with the accurate original file number.

I purchased my truck in XX/XX/year> through Exeter Finance. Since XXXX, I have made payments & over the course of five & half years I have paid the truck off. But due to unforeseen circumstances & financial hardships my principal balance with Exeter Finance remains effectively unchanged. Despite my efforts to resolve this and negotiate a sustainable modification, Exeter Finance refuses to work with me to reach a level playing field. Instead, they continually place my account in repossession status, creating a never-ending cycle of financial XXXX. I am requesting an investigation into their loan modification and collection practices. Also I can not access my account online, Exeter has it blocked where I can not login to access any records, nor have a received anything in the mail at all.

This particular debt collector has reportedly false information on my credit which has damage my credit score.

" Your third-party recovery agent is refusing to schedule an appointment to return my personal property, which is a direct violation of Florida state law. I'm XXXX under social security with a brain injury and requested they send me in writing the procedure to get an appointment. To retrieve my tag and personal belongings. They refused and told me they can't put anything in writing. I need the procedure to get an appointment in writing.

Dealing with EXETER FINANCE, They came and repossessed my vehicle. They gave me an extra month to pay, but still came to take my vehicle. I did not receive any notices that they were going to sell my vehicle, I did not receive any paperwork, I did not receive any paperwork stating I can pay off my debt. They basically closed my account, and on my credit it's stating I owe {$19000.00}. On the website, it says I owe {$5600.00}. On their bank statement on their website, it says I owe {$13000.00}. Its different amounts that's being tossed around, so this needs to be removed from my account. Once the vehicle was sold, the contract is NULL & VOID!

NOTICE OF VEHICLE REJECTION AND SURRENDER WITH CAUSE FROM UNREPAIRABLE MECHANICAL DEFECT DATE : XX/XX/XXXX FROM : 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 AND TO : Compliance & Legal Department Exeter Finance LLC Attn : Legal Department XXXX XXXX XXXX XXXX XXXX XXXX VEHICLE INFORMATION : Year/Make/Model : XXXX XXXX XXXX XXXX XXXX Identification Number ( VIN ) : XXXX Lender Account Number : XXXX Current Mileage : XXXX miles XXXX TO WHOM IT MAY CONCERN : This letter serves as formal, written notice that I am legally rejecting the above-referenced XXXX XXXX and revoking my acceptance of the vehicle under Uniform Commercial Code ( UCC ) XXXX and XXXX. I am surrendering this vehicle with cause effective immediately. This action is NOT a voluntary repossession, nor is it a voluntary financial default.…

I am filing a formal complaint against Exeter Finance LLC for wrongfully withholding my funds and providing conflicting information regarding a GAP refund. My vehicle was declared a total loss following an accident. XXXX XXXX issued a total payout of {$29000.00} directly to Exeter Finance, which included {$1400.00} in XXXX XXXX XXXX XXXX XXXX clear the remaining balance. Exeter Finance subsequently issued a " Notice of Vehicle Payoff '' confirming the account was paid in full. On XX/XX/XXXX, Exeter Finance told me the refund check was canceled due to a " rebuttal '' and instructed me to call the GAP insurance provider, MPP, to have it reissued. I contacted MPP, and they explicitly confirmed that the refund amount of {$1000.00} was already electronically issued directly to the original loan account on XX/XX/year>. Exeter Finance has been in possession of these funds for nearly XXXX days while giving me a continuous customer service runaround.…

I am filing a formal complaint against the contract holder, Exeter Finance , LLC, under the federal FTC Holder Rule. On XX/XX/year>, XXXX XXXX XXXX XXXX an optional vehicle service contract for {$2900.00} under XXXX XXXX XXXX XXXX XXXX XXXX ' into my auto loan.The physical mailing address provided for this warranty company on my contract is completely fraudulent, returning to me as 'Address Not Found/Undeliverable ' by the United States Postal Service . The dealer rolled a completely unreachable, non-existent asset into my consumer transaction.Furthermore, this vehicle account was officially included in my bankruptcy filing and successfully XXXX. I am currently making voluntary payments purely to maintain possession of the vehicle.Under the federal FTC Holder Rule printed on Page 5 of my retail installment contract, the holder ( Exeter Finance ) is explicitly liable for the deceptive practices of the selling dealer.…

Account/Contract Number : XXXX Holder Name : XXXX XXXX am filing an emergency complaint against Exeter Finance LLC for an illegal, wrongful repossession and fraudulent account manipulation that has left my family stranded, compromised our legal identity, and endangered my child 's safety.On XX/XX/year>, my vehicle was flagged for repossession. I spoke with an Exeter representative and paid a required {$100.00} stop-towing fee ( Confirmation Number : XXXX ) to officially cancel the repo order. The agent promised to process my extension paperwork, but Exeter failed to complete the internal paperwork.To ensure my account remained current, on XX/XX/year>, I made a massive payment of {$1700.00} ( Confirmation Number : XXXX ). This payment cleared, and my live Exeter customer portal updated to reflect " Payment Due : {$0.00}.…

I am disputing an alleged auto loan deficiency balance being collected by Exeter Finance LLC. I demand a complete administrative zero-out and deletion of this alleged debt due to extensive statutory record violations under the Pennsylvania Motor Vehicle Sales Finance Act ( MVSFA ), failure to credit unearned product premiums, and major unresolvable accounting contradictions.First, the company 's internal transaction and ledger calculations are profoundly defective. My official customer portal dashboard from XX/XX/XXXX explicitly tracked my remaining principal balance at {$9800.00}. However, in their subsequent XX/XX/XXXX Notice of Repossession, the company inflated my contract baseline balance to {$15000.00} without any itemized justification. They changed this baseline contract amount again to {$16000.00} on their XX/XX/XXXX Explanation of Calculation of Deficiency letter.…

I am filing this complaint regarding inaccurate credit reporting by Exeter Finance for account ending XXXX. This account is currently being reported on XXXX and XXXX, and I dispute the accuracy and completeness of the reporting. I have already disputed this matter, but the account continues to be reported as verified without resolving the specific inaccuracies I raised. This reporting is especially concerning because this same Exeter Finance account was removed from XXXX, yet it continues to appear on XXXX and XXXX. Because the account is no longer reporting the same way across the bureaus, I dispute the reliability and accuracy of the remaining reporting.…

b'Ive told em many times this was someone else account not mine'

We purchase this vehicle XXXX years ago. We have paid but had some hardship during the loan. I lost a job, gained another job my wife had covid which put us in catchup mode. We tried to refinance with the company. They don't offer it. We have been paying extra for almost XXXX months now and the balance is still extremely high. We can't get anything else because we've only been paying interest for the past XXXX years which is crazy. Exeter finance is a predatory lender that feeds XXXX people with less than perfect credit. Hence the reason they have a high rate or repossessions, collections and non-payments. We are not trying to do that but XXXX years of paying a car note XXXX months of paying over XXXX dollars more and still owe {$37000.00} on a vehicle that was {$43000.00} to start is XXXX near ( excuse my XXXX ) disrespectful. Please look into their lending practices. Thank you in advance

I financed a XXXX XXXX XXXX through Exeter Finance on XX/XX/XXXX in the original amount of {$35000.00}. I also made a {$5000.00} down payment. Between the down payment and the 89-month, $ XXXX schedule reflected in Exeter 's own credit reporting, the total cost of this vehicle would have been {$76000.00} more than double what I financed before the deficiency Exeter now demands. During the loan, my mother passed away and I paid for her funeral out of pocket, which caused me to fall significantly behind. Exeter knew I was in hardship that is why I was in their deferral programs and rather than provide genuine assistance, they used my circumstances to extract maximum interest. Exeter repeatedly deferred my missed payments to the " back end '' of the loan, telling me the deferred balance would accrue interest at up to approximately {$17.00} per day. As a borrower in hardship, I had no realistic alternative but to accept their terms or lose the vehicle I needed.…

Company Information Company Name : Exeter Finance LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing this complaint against Exeter Finance for deceptive marketing practices ( conditional financing ) and ongoing account accounting/payment allocation errors. XXXX. Conditional Financing and Unapplied XXXX Refund At the origination of my retail installment contract, I was explicitly misinformed by an Exeter Finance representative that purchasing XXXX insurance was a mandatory prerequisite for loan approval. Relying on this misinformation, I agreed to the inclusion of XXXX. I subsequently exercised my right to cancel the XXXX policy. When I contacted Exeter Finance to trace the refund, front-line customer service agents provided contradictory information, falsely claiming the XXXX product was never on the contract. Upon escalating the issue to a supervisor ( XXXX ), it was verbally confirmed that the XXXX insurance was indeed included in the loan.…

I am submitting a complaint regarding severe and ongoing harassment by a debt collector, Exeter Finance. I do not have a business relationship with this company, nor do I owe them a debt. They are repeatedly calling my personal phone number attempting to reach someone else. To date, Exeter Finance has called my number more than 30 times. On 5 separate occasions, I have answered the call, explicitly informed their representatives that they are calling the wrong number, and demanded that my number be removed from their system. Despite my repeated verbal notifications that they have the wrong person and my clear requests to stop calling, the calls have not ceased. This relentless volume of calls to a wrong number, after being repeatedly notified of the error, constitutes abusive and harassing debt collection practices under the Fair Debt Collection Practices Act ( FDCPA ).…

XXXX XXXX XXXX is attempting to collect a fundamentally inaccurate debt amount, and their assigned legal counsel, XXXX XXXX XXXX, is threatening legal action based on flawed data. This alleged debt originates from an Exeter Finance auto loan. I initiated a voluntary repossession with Exeter, but the vehicle was never retrieved by Exeter or any third-party towing company. The vehicle remains entirely in my physical possession today. Because the vehicle was never repossessed, it was never sold at an auction. Therefore, no legal " deficiency balance '' can exist. Exeter Finance improperly charged off the entire remaining loan balance as a total loss and sold this inaccurate paperwork to XXXX XXXX XXXX. I have verbally notified XXXX XXXX XXXX and XXXX XXXX XXXX that the asset was never recovered and that the balance they are demanding is false.…

Issue : Managing the loan or lease / problem with payments, fees, payment processing, or credit reporting I am filing this complaint against Exeter Finance regarding ongoing auto loan servicing, payment processing, ACH, NSF fee, due-date, secured-message, and credit-reporting concerns. Exeter Finance is the loan company for our current vehicle, a XXXX XXXX XXXX XXXX We obtained the XXXX because our previous vehicle, a XXXX XXXX XXXX, was totaled after a deer collision in XX/XX/XXXX, and Progressive paid off that vehicle. We needed reliable transportation for medical appointments, daily needs, and stability after that loss. The Exeter loan is at approximately XXXX % interest, which is part of the harm caused by years of financial disruption from other documented disputes, including XXXX XXXX XXXX XXXX XXXX, banking issues, housing instability, and related credit/financial damage.…

To Whom It May Concern, I am filing this complaint regarding the continued reporting of an account by Exeter Finance LLC on my XXXX XXXX XXXX XXXX credit reports. I have disputed this account multiple times with the credit bureaus. Despite my disputes, Exeter continues to verify the account without providing documentation that proves the information being reported is complete and accurate. The account is reported as follows : * Account opened : XX/XX/XXXX * Account status : Closed {$3500.00} written off * Current balance : {$0.00} * Status updated : XX/XX/XXXX The debt was sold to XXXX XXXX XXXX, and the XXXX collection account has already been removed from my credit reports. However, Exeter continues to report the original account. I also noticed inconsistencies in the reporting. The account includes the comment Purchased by another lender, while the historical information references XXXX XXXX XXXX.…

I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

On XX/XX/year> at XXXX I was at a restaurant and saw my car being towed. Upon walking out of the restaurant I told him to stop and he told me to stop coming towards him and said I XXXX XXXX XXXX XXXX XXXX XXXX up because I walked into the camera and that I dont XXXX XXXX XXXX XXXX XXXX XXXX XXXX listen and that he was trying to talk to me off of whatever camera he had recording on his truck. I recorded this interaction and then stopped recording on accident. I told him repeatedly to stop hooking my car up and he continued to do so on private property, which is a breach of peace that legally terminates a self-help repossession in XXXX under UCC 11-9-609 He then continued to hook my car up and told me to talk to him behind my car away from the camera. He told me that it would be XXXX to unhook the car because that is how much the bank pays him and that I had to pay him via cashapp. At this time what he was saying did not make sense to me.…