ComplaintsforExeter Finance Corp

• Initial Complaint

  06/01/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  After reviewing my credit report there a issue with my report.

  Business response

  08/01/2022

  Business Response /* (1000, 5, 2022/06/16) */ June 16, 2022 Better Business Bureau of Metropolitan Dallas, Inc. 1601 Elm Street Ste. 3838 Dallas, Texas 75201 RE: ********* ******** Case # XXXXXXXX To Whom It May Concern: On June 3, 2022, Exeter Finance LLC ("Exeter") received notice regarding a complaint filed through the Better Business Bureau. Exeter would like to thank ********* ******** ("********") for the opportunity to address their concerns regarding their credit reporting. Exeter's 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. Exeter has thoroughly investigated the complaint and made the following determination. There was a total of three payments made prior to the vehicle being repossessed and sold at auction on December 9, 2021. Following to auction sale, on December 16, 2021, Exeter mailed ******** an Explanation of Calculation of Surplus or Deficiency letter advising of the deficiency balance owed in the amount of $6,637.63 to pay the account in full. A copy of this letter will be sent to ******** under separate cover for their records. As of the date of this response, the deficiency balance has not been paid off. Regarding ******** credit reporting, Exeter is bound by the Fair Credit Reporting Act which requires all accounts to be reported accurately and factually. Account information is furnished to the Credit Reporting Agencies ("CRAs") every month and will reflect the status of the account at the time of reporting. Exeter's records were reviewed, and the information reported to the CRAs, was confirmed to be accurate; therefore, no adjustments are necessary. We trust that this answers any questions associated with the complaint. If ******** has any questions about these or any other concerns, Exeter encourages them to contact the Office of the President at 877-877-4943. Sincerely, Office of the President Exeter Finance

• Initial Complaint

  05/28/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have no knowledge of this account that is reporting on my credit report. (a) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- (1) appropriate proof of the 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 is not information relating to any transaction by the consumer. (b) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection (a) of this section- (1) that the information may be a result of identity theft; (2) that an identity theft report has been filed; (3) that a block has been requested under this section; and (4) of the effective dates of the block. Remove this account from my credit report and release me from all debt claimed to be owed.

  Business response

  08/01/2022

  Business Response /* (1000, 5, 2022/06/15) */ June 15, 2022 Better Business Bureau of Metropolitan Dallas, Inc. 1601 Elm Street Ste. 3838 Dallas, Texas 75201 RE: ******** **** Case # XXXXXXXX To Whom It May Concern: On June 1, 2022, Exeter Finance LLC ("Exeter") received notice regarding a duplicate complaint filed through the Better Business Bureau. Exeter would like to thank ******** **** ("****") for the opportunity to address their concerns regarding identity theft and credit reporting of the account. Exeter has thoroughly investigated the complaint and made the following determination. The renewed complaint does not provide any new information. As such, Exeter is unable to honor the request to remove the valid tradeline from your credit file. Exeter's 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 **** has any questions about these or any other concerns, Exeter encourages them to contact the Office of the President at 877-877-4943. Sincerely, Office of the President Exeter Finance

• Initial Complaint

  05/24/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have inaccurate items on my credit report that I disputed and I never got the results within 30 days. According to 1681i this account is in violation and reported without valid evidence. EXETER FIN XXXXXXXXXXXXX**** $0.00

  Business response

  07/21/2022

  Business Response /* (1000, 5, 2022/06/08) */ June 8, 2022 Better Business Bureau of Metropolitan Dallas, Inc. 1601 Elm Street Ste. **** Dallas, Texas XXXXX RE: ******** ********* Case # XXXXXXXX To Whom It May Concern: On May 26, 2022, Exeter Finance LLC ("Exeter") received notice regarding a complaint filed through the Better Business Bureau. Exeter would like to thank ******** ********* ("*********") for the opportunity to address their concerns regarding the credit reporting of the account. Exeter's 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. Exeter has thoroughly investigated the complaint and made the following determination. Regarding the credit reporting, Exeter's records were reviewed, and the information reported to the credit reporting agencies, was confirmed to be accurate; therefore, no adjustments are necessary. Exeter is bound by the Fair Credit Reporting Act which requires all accounts to be reported accurately and factually. As such, Exeter will not honor *********'s request to remove the valid late marks from your credit file based on the claims presented in this complaint. Under separate cover, ********* will receive a copy of their executed Contract and a Statement of Account showing all account activity through June 7, 2022. We trust that this answers any questions associated with the complaint. If ********* has any questions about these or any other concerns, Exeter encourages them to contact the Office of the President at XXX-XXX-XXXX. Sincerely, Office of the President Exeter Finance

• Initial Complaint

  05/22/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  My contract allows for a 90 day grace prior to acceleration for repossession yet I received a notice for a 30 day delinquency as of today 5/22/22. I ask the contract be executed as stated and notice for acceleration made void.

  Business response

  06/15/2022

  Consumer Response /* (2000, 5, 2022/05/24) */ This has been resolved

• Initial Complaint

  05/09/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  NOTICE OF BILLING ERROR! Title 12 Code Of Faderal Regulations 1026.13 Pursuant 15 U.S. Code XXXX(X) False Character, or legal status of any debt. January 5, 2022, Exeter Finance LLC TRUSTEE received Electronic Funds Transfer. EFTinstrument. Certified mail number XXXXXXXXXXXXXXXXXXXX January 11 2022 my instrument was reversed Attached is a citizens bank check, showing TRUSTEE Exeter Finance LLC Indead Accepted my presentment and deposited my instrument. This is EMBEZZLEMENT of my signature which Per HJR 192 of1933 is CURRENCY My instrument was DISHONORED and NEVER! returned to me Pursuant to UCC 3-603 Refusal is Discharge On the back of the EFT for $17,187 reads "Pay to the order of wells FARG0 Bank N/A for deposit only Exeter Finance XXXXXXXXXX" THTS IS CLEARLY EMBEZZLEMENT of my signature. TRUST FRAUD, Violation of Consumer Rights, Q4P, TILA, TRUSTEE Exeter Finance LLC has committed 'ExTORTION of my Signature. And TRUST FRAUD March 18 202, my car on account with Exeter Finance LLC, 2015 Lincoln MKZ VIN: **********RXXXXXX Was illegally towed. STOLEN my property WITHOUT DUE PROCESS OF LAW. Article 5 a) Bill of Rights - no person Article 7 when value Should be denied is more than $20 eight of Due Process is Reserved PLEASE SEE THAT ALL LAWS AND CONSUMER CODES ARE FOLLOWED. PLEASE. Exeter Finance LLC ACCOUNT# XXXXXXX

  Business response

  06/22/2022

  Business Response /* (1000, 5, 2022/05/16) */ May 16, 2022 Better Business Bureau of Metropolitan Dallas, Inc. 1601 Elm Street Ste. 3838 Dallas, Texas XXXXX RE: ***** **** Case # XXXXXXXX To Whom It May Concern: On May 10, 2022, Exeter Finance LLC ("Exeter") received notice regarding a complaint filed through the Better Business Bureau. Exeter would like to thank ***** **** ("****") for the opportunity to address their concerns regarding the account. Exeter has thoroughly investigated the complaint and made the following determination. Exeter has responded to multiple similar complaints under a separate cover. No new additional information has been provided. Exeter's 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 **** has any questions about these or any other concerns, Exeter encourages them to contact the Office of the President at 877-877-4943. Sincerely, Office of the President Exeter Finance

• Initial Complaint

  05/08/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  Exeter Finance paid Cannon Honda in Vicksburg Ms for a car in my name,but I never got possession of this 2022 car.I spoke with Ms ********* and I fax them a letter.I called them several times but a supervisor never called me back.This company still have in system I owe them and I don't...They are ruining my credit score!!! I need for them to remove my name off this car and I don't owe them for 2022 Honda Accord from Cannon Honda.

  Business response

  06/24/2022

  Business Response /* (1000, 5, 2022/05/20) */ *** 20, 2022 Better Business Bureau of Metropolitan Dallas, Inc. 1601 Elm Street Ste. 3838 Dallas, Texas XXXXX RE: ***** **** Case # XXXXXXXX To Whom It *** Concern: On May 10, 2022, Exeter Finance LLC ("Exeter") received notice regarding a complaint filed through the Better Business Bureau. Exeter would like to thank Nancy Ford ("****") for the opportunity to address their concerns regarding the vehicle Contract. Exeter's 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. Exeter has thoroughly investigated the complaint and made the following determination. On May 13, 2022, Exeter mailed Ford a Contract reassignment Notice ("Notice") advising that as the date of the letter Exeter will no longer accept payment or inquiries regarding the referenced Contract or vehicle. A copy of this Notice will be mailed to **** under separate cover for their records. If **** has any questions regarding this matter they can contact Cannon Honda at (XXX) XXX-XXXX. We trust that this answers any questions associated with the complaint. If **** has any questions about these or any other concerns, Exeter encourages them to contact the Office of the President at XXX-XXX-XXXX. Sincerely, Office of the President Exeter Finance Consumer Response /* (3000, 7, 2022/05/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) Because I need letter showing I owe nothing for this 2022 Honda accord and it's off system in case I want buy another car or vehicles. Business Response /* (4000, 9, 2022/05/25) */ *** 25, 2022 Better Business Bureau of Metropolitan Dallas, Inc. 1601 Elm Street Ste. 3838 Dallas, Texas XXXXX RE: ***** **** Case # XXXXXXXX To Whom It *** Concern: On *** 24, 2022, Exeter Finance LLC ("Exeter") received notice that Nancy **** ("****") had additional concerns that they wanted to bring to Exeter's attention regarding the complaint filed through the Better Business Bureau on April 12, 2022, regarding the Retail Installment Sale Contract-Simple Finance Charge ("Contract"). Exeter's 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. While we regret that **** is not satisfied with Exeter's response, we believe that their concerns have been fully addressed regarding the Contract. On *** 20, 2022, Exeter's initial response advised that as of *** 13, 2022, Exeter will no longer accept payment or inquiries regarding the referenced Contract or vehicle. Additionally, on May 24, 2022, Exeter requested that the credit reporting agencies ("CRAs") remove this tradeline from ****'s credit report. **** should allow 30 days for the CRAs to complete this update. We trust that this answers any questions associated with the complaint. If **** has any questions about these or any other concerns, we encourage them to contact us at XXX-XXX-XXXX. Sincerely, Office of the President Exeter Finance Consumer Response /* (2000, 11, 2022/05/26) */ (The consumer indicated he/she ACCEPTED the response from the business.)

• Initial Complaint

  05/02/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I bought a Vehicle through Hall ****** Elizabeth City NC. The vehicle a used 2014 ****** in November 2020. I believe my whole contract is invalid but a lot of that is dealership related. As for Exeter I was required to have a Sterling *** warranty contract, $971 financed in at 28%. The vehicle was driving badly in March 2022. Took into Hall ****** Virginia Beach only to find out I needed singnifiget repairs of over $6000. I was told Warranty would have covered most repairs, but unfortunately the *** Sterling policy never existed wasn't put into affect! I do not have 6000 to pay on a XXXXX dollar loan. Told by salesperson to have vehicle voluntary surrendered. Only to be pressured into considering that and buying another vehicle on the 31st Match 2022. Feeling dishonest I turned new vehicle in and took old car back as I cannot with a clear conscious default on a loan even upside down, which I need to try to discuss with dealership why this way to start with! I was told I needed to take my vehicle back to Hall ****** of EC NC, to discuss warranty, only to be told again warranty wasn't ever. Into affect, but had it been my repairs wouldn't be covered. I was told no trade on a vehicle that needs that kind of work. Although paying 971 at 28% interest financed into 72 months. For a fraudulent warranty I have copies of! I need and should be refunded or let out of this inaccurate contract. I need a reliable vehicle and my credit is tapped out, not their problem I know. I have offers from ****** of 9400 until *** 5th 2022. I would like this to settle this invalid, contract without anymore financial loss or credit hit! What should I do??? Thank you Brenda L **********

  Business response

  06/22/2022

  Business Response /* (1000, 5, 2022/05/16) */ *** 16, 2022 Better Business Bureau of Metropolitan Dallas, Inc. 1601 Elm Street Ste. 3838 Dallas, Texas XXXXX RE: Brenda ********** Case # XXXXXXXX To Whom It May Concern: On May 9, 2022, Exeter Finance LLC ("Exeter") received notice regarding a complaint filed through the Better Business Bureau. Exeter would like to thank Brenda ********** ("**********") for the opportunity to address their concerns regarding the warranty product. Exeter has thoroughly investigated the complaint and made the following determination. Exeter does not make warranties or representations concerning the condition of vehicles, nor does Exeter authorize dealers to sell warranty products. Any concerns regarding the condition of the vehicle, needed repairs, or service warranty terms are issues between ********** and the dealer and should be addressed through and with the dealer directly. Under separate cover, ********** will receive a copy of their executed Contract. Exeter's 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 ********** has any questions about these or any other concerns, Exeter encourages them to contact the Office of the President at XXX-XXX-XXXX. Sincerely, Office of the President Exeter Finance Consumer Response /* (3000, 7, 2022/05/17) */ (The consumer indicated he/she DID NOT accept the response from the business.) Exeter has financed the warranty for this and a previous vehicle into this loan. The dealership made this deal with myself and Exeter. Exeter needs to reach out to **** T***** of Elizabeth City NC, They are the ones providing false documentation to Exeter as well as myself.That being said, I am the only one paying for a mistake on Warranty, required by Exeter to finance these two car loans at 28 percent interest for the last 16 months. That is over 1700 dollars plus interest I should not be paying and should be deducted from loan or payed back to me! I will gladly sell this car at what it's worth with a quote from ****** of 9000.00. I do not have 6000 to fix this vehicle and it is not worth repair bill. I will not be making any further payments until I receive a prompt response as Exeter needs to review their contract with dealership. Exeter had been aware of this since March 2022. I will be 30 days past due on 20th of *** resulting in more harsh penalities against me and my credit! Please expedite your answer as I am the only one losing between Exeter and **** T***** of Elizabeth City NC. Exeter is more than welcome to take this vehicle at no additional cost or negative impact on myself! Sincerely Brenda ********** Business Response /* (4000, 10, 2022/05/23) */ *** 23, 2022 Better Business Bureau of Metropolitan Dallas, Inc. 1601 Elm Street Ste. 3838 Dallas, Texas XXXXX RE: ****** **********- Case # XXXXXXXX To Whom It *** Concern: On *** 17, 2022, Exeter Finance LLC ("Exeter") received notice that ****** ********** ("**********") had additional concerns to bring to Exeter's attention regarding the warranty product complaint filed through the Better Business Bureau on *** 9, 2022. While we regret that ********** is not satisfied with Exeter's response, we believe that these concerns have been fully addressed regarding the warranty. In our initial response, we advised ********** to contact the dealer regarding the warranty product. We trust that this answers any questions ***ociated with the complaint. If ********** has any questions about these or any other concerns, we encourage them to contact us at XXX-XXX-XXXX. Sincerely, Office of the President Exeter Finance Consumer Response /* (4200, 12, 2022/05/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) I understand Exeter did or does not sell warranties or Gap Insurance. Exeter does allow and does finance both warranty and Gap insurance into the loan am I correct??? Therefore you the Lender and myself the customer, trusted **** T***** of EC NC to fill out true documentation to initiate this loan and 10 day previous loan of a 2014 J*** Comp***! **** and Exeter came upon agreement to extend me this FALSE contract from day one, now on two documents. I signed in good faith that a Dealer **** and Exeter were protecting my and their interest in this vehicle My point is I have a 2014 N***** that needs 6000.00 dollars of mechanical work! No one worried about my safety or well being! Told by dealership a check would be sent the end of Apri to Exeter for half the amount of a Non exist warranty on not one but two Exeter loans. What would Exeter do to me the client for falsifying a document??? No matter how you look at this that is over 1942 dollars + 28% interest Exeter is letting **** T***** get away with and me the Customer stuck with in a 62 month loan on top of value of vehicle! Exeter gladly accepts my payment and adds fees on for being late.This is money due to me if Exeter doesn't want to accept any responsibility in this matter. Exeter needs to back this amount with interest out of my Loan!Daily Exeter is calling wanting their 447.41 from me!! What are my consequences for Exeter ignoring this situation?? No vehicle, a loan that is based on two inaccurate amounts financed at a rate I'm told is above North Carolinas allowance to be charged on a Used Car Loan! When does Exeter,**** T***** of EC become responsible for writing, allowing and accepting false inaccurate documentation! Bottom Line Exeter has a cozy relationship and they don't want to Ruffle a big corporate relationship with***** One Automotive. They leave this to a single,disabled woman with a Mental illness to fight and deal with by herself! I will be including copies of both Loans! I had a stroke, yes it effected my mind, my body my thought process! Who stands up for my Rights??? I can't afford a Lawyer but I am going to look for a FREE Consultation! I bet Exeter and **** will acknowledge this mistake then! At this point Exeter will not finance a new loan for me, my credit already struggling has been run through the ringer trying to have a reliable working vehicle for Health and other appointments@ **** T***** EC just laughed and said we won't trade that vehicle knowing it needs a rear differential or fix it! That's real great customer service to a little person with two big Greedy Corporations!!! Exeter why don't you look at these two contracts and tell me why you didn't catch I have been charged with an AUL and a Gap full price on a vehicle I had only a few days! Where is your responsibility to check and make sure what you financed is legit???? Sincerely over this BC

• Initial Complaint

  04/26/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  15 U.SC 1681 section 602 A. States I have the right to privacy. 15 U.SC 1681 section 604 A Section 2 : It also states a consumer reporting agency cannot furnish a account with out my written instruction. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

  Business response

  06/09/2022

  Business Response /* (1000, 5, 2022/05/06) */ May 6, 2022 Better Business Bureau of Metropolitan Dallas, Inc. 1601 Elm Street Ste. **** Dallas, Texas 75201 RE: ***** **** Case # XXXXXXXX To Whom It May Concern: On April 27, 2022, Exeter Finance LLC ("Exeter") received notice regarding a complaint filed through the Better Business Bureau. Exeter would like to thank ***** **** ("****") for the opportunity to address their concerns regarding the credit reporting. Exeter has thoroughly investigated the complaint and made the following determination. Exeter is bound by the Fair Credit Reporting Act which requires all accounts to be reported accurately and factually. As such, Exeter will not honor your request to remove the valid account from your credit file. Under separate cover, **** will receive a copy of their executed Contract and a Statement of Account showing all account activity through May 1, 2022. Exeter's 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 **** has any questions about these or any other concerns, Exeter encourages them to contact the Office of the President at XXX-XXX-XXXX. Sincerely, Office of the President Exeter Finance

• Initial Complaint

  04/19/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with EXETER FINANCE LLC plus they did not provide me with the original application like I asked. Account No:XXXXXXXXXXXXX**** Amount Disputed:$16,009.00

  Business response

  06/08/2022

  Business Response /* (1000, 7, 2022/05/05) */ May 5, 2022 Better Business Bureau of Metropolitan Dallas, Inc. 1601 Elm Street Ste. 3838 Dallas, Texas 75201 RE: ******* ****** Case # XXXXXXXX To Whom It May Concern: On April 21, 2022, Exeter Finance LLC ("Exeter") received notice regarding a complaint filed through the Better Business Bureau. Exeter would like to thank ******* ****** ("******") for the opportunity to address their concerns regarding a validation of debt. Exeter has thoroughly investigated the complaint and made the following determination. Under separate cover, ****** will receive a copy of their executed Contract and a Statement of Account that provides all account activity through April 20, 2022. These items are considered a validation of debt. Exeter's 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 ****** has any questions about these or any other concerns, Exeter encourages them to contact the Office of the President at 877-877-4943. Sincerely, Office of the President Exeter Finance

• Initial Complaint

  04/19/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  On March 26, 2022, I purchased a used car from my local **** Dealership. It was financed thru Exeter Finance. The first payment was scheduled for *** 10, 2022 for $537.63. A couple days after my purchase, I found my account on their website and decided to setup Autopay. On April 10, 2022, Exeter took the first payment out of my account one month before it was due. I called Exeter Finance and discussed the situation with them. They informed me that the first payment was retrieved early due to Autopay and they could not refund me the money. They suggested to go to my bank and have them file for a refund. I did as they suggested. The money was returned to my account. Now, when I check my account online with Exeter Finance, it shows that they are charging me a $30 penalty fee. I contacted them again and they stated that I was being changed a penalty fee because I had my bank refund that first payment, which is what they orignally told me do.

  Business response

  06/01/2022

  Business Response /* (1000, 5, 2022/05/02) */ *** 2, 2022 Better Business Bureau of Metropolitan Dallas, Inc. 1601 Elm Street Ste. 3838 Dallas, Texas XXXXX RE: Russell ******* Case # XXXXXXXX To Whom It *** Concern: On April 21, 2022, Exeter Finance LLC ("Exeter") received notice regarding a complaint filed through the Better Business Bureau. Exeter would like to thank Russell ******* ("*******") for the opportunity to address their concerns regarding a miscellaneous fee charged. Exeter has thoroughly investigated the complaint and made the following determination. Regarding the miscellaneous fee charged, Exeter's records were reviewed and on April 25, 2022, this fee was waived. Exeter's 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 ******* has any questions about these or any other concerns, Exeter encourages them to contact the Office of the President at XXX-XXX-XXXX. Sincerely, Office of the President Exeter Finance Consumer Response /* (2000, 7, 2022/05/03) */ (The consumer indicated he/she ACCEPTED the response from the business.) n/a

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