Business Profile

Loans

Exeter Finance Corp

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Complaints

This profile includes complaints for Exeter Finance Corp's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

799 total complaints in the last 3 years.
277 complaints closed in the last 12 months.

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The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:08/28/2023
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I bought a car from ******************** on 27 November 2020 with financing through Exeter Finance. The interest rate for this purchase was at *****%. We have been paying faithfully for the past three years. In May of 2023, I attended a military finance class offered through the military that the Servicemember Civil Relief Act (SCRA) has certain benefits for active duty military personnel. Seeing that I'm currently Active Duty for over 25 years, she looked into if any of those apply to us. It turns out, my home of record ************* provides extra relief for debts incurred during your enlistment as well, to include adjusting your APR to no more than 6%. Once we found that out, we filed the necessary paperwork per the law to all of our companies that we have debt with. To date, we have received favorable responses from all of the companies except Exeter. They have stated that they have sent me correspondence through the mail (which I have never received) that requires me to submit my W2. This is not a requirement for the key provision of the *************. I have been active duty for 25 years and there are no Navy bases in **** so that would be virtually impossible. I am simply requesting that Exeter honor the law in accordance with the key provision of the *************. I'm trying to avoid getting a lawyer involved, but I am willing to, to ensure that this company honors the law by adjusting the interest rate to the required 6% and applying any overpayments/interest accrued back into the loan.
Business Response
Date: 09/11/2023
Better Business Bureau of Metropolitan ***********.
***************
Ste. *************************************

RE:***********************; Case # ********

To Whom It May ********

On August 28, 2023, 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 Account. *********************** 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 July 28, 2023, ******* contacted Exeter to check the status of their SCRA Request. The **************** Representative advised *******, that SCRA benefits have been denied, until the **2 has been received to validate that Urmanic is an **** resident. As of September 6, 2023, Exeter has not received the **2 from Urmanic as requested.

Under separate cover, ******* will receive a copy of the executed Contract and a Statement of Account showing all account activity through September 5,2023.

We trust 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 ************.

Sincerely,

Office of the President
Exeter Finance LLC
Customer Answer
Date: 09/11/2023
I am rejecting this response because: First, I was never informed that was denied, I was informed that it was being upheld until Exeter received a W-2 from me. Second, per the Ohio State Guide for SCRA (attached), it does not require the servicemember to submit their W-2 or be a current resident, only that their residency at the time of active duty is from the *************. I have submitted my home of record of entry into military service from the key provision *************. This is a federal document and should suffice to establish my entry into service from ****. If no resolution is possible, then I will be forced to reach out to the military lawyers here in ************ for further action. I thank Exeter for their timely response and hope we can come to a solution before any legal action. Additionally, I provided my original letter and supporting documentation for reference. Thank you for your time in this matter.

Sincerely,
****************************
Senior Chief ***** ******** *******
Customer Answer
Date: 09/11/2023
Additionally, my wife and I belong to an SCRA group on ********* and we were denied outright despite being from ****. I am the service member and the account is in my name. I have provided a screenshot from a conversation from a spouse not from a key provision state and she was approved. I feel this is discrimination at the very least. Also to date I have never received an official statement on my status despite being told Id receive one.
Business Response
Date: 09/21/2023
Better Business Bureau of Metropolitan ***********.
***************
Ste. *************************************

RE:***********************; Case # ********

To Whom It May ********

On September 11, 2023, Exeter Finance LLC (Exeter) received notice that ************************* (Urmanic) had additional concerns to bring to Exeters attention regarding the complaint filed through the Better Business Bureau on August 28,2023.

On September 20, 2023, Urmanic was approved for benefits under the Ohio State Guide for SCRA.
Under separate cover, ******* will receive a copy of the approval letter with the new terms.

We trust this response 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 ************.

Sincerely,

Office of the President
Exeter Finance LLC
Customer Answer
Date: 09/21/2023
I have reviewed the business response and accept this resolution.
Initial Complaint
Date:08/24/2023
Type:Product Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Vehicle was repossessed in June but I paid to get the vehicle back it has been over three months and I still cannot get the vehicle registered in my name because Exeter Finance please the vehicle in their name and refused to send me documentation to take to the *** so that I can get vehicle plates. Exeter has denied me their consumer reporting complaint, phone number and email address and every single time I call them I get a different response on whether or not I will be able to drive my vehicle. I am filing a complaint because of their unfair business practices, they still expect me to make a payment on the vehicle when it is not even registered in my name for over three months.
Business Response
Date: 09/06/2023
September 6, 2023

Better Business Bureau of Metropolitan ***********.
*****************************Ste.3838
******,***** 75201

RE:******************* - Case # ********

To Whom It May ********

On August 24, 2023, 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 the concerns outlined in the complaint. 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.

On March 24, 2021, ***** signed a Retail Installment Contract (Contract) for the purchase of a vehicle with CarMax, which assigned the Contract to Exeter. The vehicle was repossessed on May 10, 2023, due to non-payment.

On May 25, 2023, ***** paid the amount required to reinstate the account, and the vehicle was released to ***** thereafter. Prior to the reinstatement of the account, ****** name was removed from the title in preparation for the auction sale. On July 7, 2023, Exeter sent ***** a ***** of ******** (***) to complete and return along with a copy of their drivers license. ***** was advised that the original *** had to be signed to transfer the title back to their name. On July 21, 2023, the *** was resent to ****** address on file.

Exeter received the executed *** and copy of Ortizs drivers license on July 31, ******** title transfer back into Ortizs name was completed on August 18, 2023. We are unable to substantiate ****** claims of being provided different responses or unfair business practices as stated in this complaint. Exeter is committed to providing excellent customer service and apologizes if the services received did not meet Ortizs expectations.

We trust this response 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 ************.

Sincerely,

Office of the President
Exeter Finance LLC
Customer Answer
Date: 09/14/2023
I am rejecting this response because: This took an unreasonable amount of time. I had to pay extra money and utilize resources I do not have! I want reimbursements for all the car services I had to use during this time, the stress this company caused me and also all of my personal belongs were destroyed! I want at least 2min the removed from the balance owed or current balance satisfied or late fees cleared. Just because the vehicle is back in my name what about the 3min the I was without a car!? Exeter is still asking me to pay for their mistakes.
Initial Complaint
Date:08/22/2023
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Hello the date of the accident was July 6,2023 my vehicle was involved into a totally lost. Where all the air bags deployed. The other party was at fault and their insurance only covered 10k in damages. I informed my insurance company about the matter they was going to pick up the vehicle but the vehicle has been seized by Exeter finance. I have never missed a payment and my car status was current. Exeter repossessed my vehicle without my knowledge base on they stated it was an accumulating fees. So they repossessed my vehicle causing my credit score to drop dramatically over this situation that was totally not my fault. My score has drop over 100 points because of this repossession. I have been seriously injured and have to come back to this I have medical issues and this is making me sicker. I have been transparent with all the representatives and each one just lie to me just for me to continue making making and I have a repossession on my credit score. I explain the vehicle was a total loss and the insurance will pay for the damages in full and they still issue a repossession.
Business Response
Date: 09/15/2023
Better Business Bureau of Metropolitan ***********.
***************
Ste. 1600
******,***** 75201

RE:***********************- Case # ********

To Whom It May ********

On August 22, 2023, 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 complaint. 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. Exeter has thoroughly investigated the complaint and made the following determination.

Exeter is working with ***** directly to amicably resolve their complaint.

We trust this response 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 ************.

Sincerely,

Office of the President
Exeter Finance
Customer Answer
Date: 11/08/2023
Hello I was involved in a life and death situation where my car was totaled loss and I was in critical condition the accident happened July 6 2023. I broken my shoulder rotator and my knee was dislocated I had to have surgery procedure. The other vehicle was involved and had insurance. This company Exter financed is robbing clients out of their money and falsely reporting negative results. My insurance company paid for this car to be paid and full they received all payments now I am just seeing there is a balance that is not my responsibility gap insurance paid the difference and they was supposed to backdate the accident from the crash date. This is complete robbery and something needs to be done and this company needs to be out of business
Business Response
Date: 11/16/2023
Better Business Bureau of Metropolitan ******, Inc.
***************
Ste. *************************************

RE:***********************- Case # ********

To Whom It May ********

On November 8, 2023, Exeter Finance LLC (Exeter) received notice that *********************** (*****) had additional concerns to bring to Exeters attention regarding the complaint filed through the Better Business Bureau on August 22, 2023.

As stated in Exeters response dated October 20, 2023, the vehicle was deemed a total loss as of July 6, 2023. On October 3, 2023, insurance proceeds and *** claim proceeds were applied to the Account. Upon receipt of the *** claim payment, the Account was closed and was reported to the credit reporting agencies as such.

Regarding Davids account balance, *********************** records indicated that ***** made a payment on August 4, 2023, and on October 18, 2023, the payment was returned unpaid by ****** financial institution, resulting in the payment being charged back to the account.
On November 16, 2023, as a courtesy, Exeter waived the remaining balance on the account.
We trust this response 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 ************.

Sincerely,

Office of the President
Exeter Finance LLC
Customer Answer
Date: 11/16/2023
I have reviewed the business response and accept this resolution.

I spoke with the president ******* and she was very helpful in assisting me with this matter to have the balance waived to a 0 balance and I appreciate her service for being an excellent customer service provider
Initial Complaint
Date:08/22/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for this debt. I did not sign authorize or give written consent to this account. By law there is supposed to be a written consent of me accepting the debt and for it to be reporting. I've requested these documents and have not received them.
Business Response
Date: 09/05/2023
Better Business Bureau of Metropolitan ***********.
*************************
Ste.1600
******,***** 75201

RE:***************************** - Case # ********

To Whom It May ****************** August 22, 2023, 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 the concerns outlined in the complaint. 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.

Regarding Jeffersons identity theft claim, this matter was addressed in previous responses from Exeter. As stated in Exeters previous responses, a thorough investigation of your previous complaints was conducted and based on our investigation, we are unable to confirm whether the account is affected by identity theft. ********** renewed complaint does not provide any new evidence of identity theft.
Exeter is unable to honor ********** request to remove the valid tradeline from their credit file based on the claims presented in this complaint.

We trust this answers any questions associated with the complaint. For any questions about these or any other concerns, we encourage ********* to contact the Office of the President at ************.

Sincerely,

Office of the President
Exeter Finance LLC
Initial Complaint
Date:08/21/2023
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Account number ******* I have my account on autopay. $603.91 is to be withdrawn every month. Exeter didnt withdraw for the month of June. Then July 1st they withdrew $601.91 as scheduled through autopay, they then applied that entire payment toward the interest and none toward the principal. They said it was some error in their bill pay system yet they refused to correct the issue and make the proper adjustments despite my willingness to authorize a payment. I was told there was nothing they, nor I, could do to resolve the issue, aside from refinancing with another company.
Business Response
Date: 09/08/2023
Better Business Bureau of Metropolitan ***********.
*************************
Ste. 1600
******, ***** 75201

RE: ********************* - Case # ********

To Whom It May ****************** August 21, 2023, 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 the concerns outlined in the complaint. 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.

In response to your complaint, Exeter contacted ***** and reallocated payments to their satisfaction. As of the date of this response. The payment allocation has been completed and ***** has been advised.

Exeter sincerely apologizes for any inconvenience this may have caused and for any service ***** received that did not meet their expectations.

Under separate cover, a Statement of Account will be sent to ***** for his review.

We trust 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 ************.

Sincerely,

Office of the President
Exeter Finance LLC
Customer Answer
Date: 09/08/2023
I have reviewed the business response and accept this resolution.
Customer Answer
Date: 10/18/2023
I had an issue prior to this complaint where they said I was up to date so autopay didnt withdraw, then they took that next payment and applied it all towards interest. Spoke to their president and was an assured it would be taken care of. **** Im in the same position, autopay skipped a payment because Im up to date. The nice young lady I spoke to to resolve this new issue then told me the reason they didnt take a payment for the first incident was because I didnt have the funds in my account, which is absurd. I have 3 pages on my statement of account, one whole page is of payments being applied and reversed then reapplied and reversed again. Its an absolute mess! What is going on up there?! My principal balance hasnt changed in 2 months but my payoff amount has risen several hundred dollars during these autopay errors.
Business Response
Date: 10/27/2023
Better Business Bureau of Metropolitan ***********.
***************
Ste. 1600
******, ***** 75201

RE: ********************* - Case # ********

To Whom It May ****************** August 21, 2023, 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 the concerns outlined in the complaint. 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.

In response to Garzas concerns, ***** had autopay setup on the account that drafted monthly. The account was paid a month in advance prior to Exeter undergoing a change in payment systems. Due to the limitations of the new payment system, the autopay will not draft until a monthly payment is due. Unfortunately, this prevented ****** payment from drafting on the date they were expecting.

On October 27, 2023, ***** spoke with a member of Exeters management and was advised the previous payment made had been reallocated to their satisfaction. The payment allocation has been completed and ***** has been advised the next payment will draft by autopay on November 1, 2023.

We trust this response 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 ************.

Sincerely,

Office of the President
Exeter Finance LLC
Customer Answer
Date: 10/27/2023
I have reviewed the business response and accept this resolution.
Initial Complaint
Date:08/18/2023
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
August 9th and 17th I contacted Exeter Finance to explain hardship situation and was told to sell blood for payment money....Second call was to Mgr who told me to go back to car lot for refinance to no avail.. I'm elderly on a fixed income and traded my car for this ... need help please...my income is 386 monthly the car payments are 527 monthly...I agreed to pay 300 til income raises and was told that would go to late fees of 14 dollars a day.. Had I known I would be put in this position I would have never gotten this used car for *********
Customer Answer
Date: 08/18/2023
On July 27 or 28 when I went to ******************** iN ***** I had just received 762 from SSI which I thought was a permanent deposit... I later found out it was a one time payment. This was suppose to be my car payment money...Since then I received 386 only. I have tried to reduce my payment for at least 6 months but Exeter finance told me all my lower payments would only pay late fees of 14 dollars a day... I was put in a hard situation no thanks to the car company and would like my car back before August 28th when a payment of ****** is due that I do not have.. Please help me get my car back .. thank you.

Business Response
Date: 09/01/2023
Better Business Bureau of Metropolitan ***********.
***************
Ste. 1600
******, ***** 75201

RE: ***********************- Case # ********

To Whom It May ****************** August 18, 2023, Exeter Finance LLC (Exeter) received notice regarding a complaint filed through the Better Business Bureau. Exeter would like to thank *********************** (West) for the opportunity to address the concerns outlined in the complaint. 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.

All required information regarding the terms of the loan were disclosed on the Contract as required by law and the signed Contract shows all parties agreed with the terms and conditions stated. At this time, Exeter is unable to change the existing terms of the Contract; however, you may contact any lender of your choice to discuss refinancing options.
Regarding the customer service experience, ********************** sincerely apologizes for any inconvenience this may have caused and for any service you received that did not meet Wests expectations.

We trust this answers any questions associated with the complaint. If West has any questions about these or any other concerns, Exeter encourages them to contact the Office of the President at ************.

Sincerely,

Office of the President
Exeter Finance LLC
Customer Answer
Date: 09/01/2023
Exeter finance asked for no proof of income as stated by sales person... if they would have seen my bank statement things would be different... My understanding was the car price of almost ***** was the total price...so I misplaced the paperwork until a couple days ago and saw that your finance company is charging me a ***** finance charge..Would you pay ***** for a 2019 used car.. My income was falsified by the car LOT and you went by what ever forged document you say you received if any... Falsifying documents is a crime as well as using them for your gain. I did not lie about my income the car LOT did... as I'm quite sure you know. Hopefully the criminal justice system will work this out...
Customer Answer
Date: 09/06/2023
I am rejecting this response because: Exeter finance asked for no proof of income as stated by sales person... if they would have seen my bank statement things would be different... My understanding was the car price of almost ***** was the total price...so I misplaced the paperwork until a couple days ago and saw that your finance company is charging me a ***** finance charge..Would you pay ***** for a 2019 used car.. My income was falsified by the car LOT and you went by what ever forged document you say you received if any... Falsifying documents is a crime as well as using them for your gain. I did not lie about my income the car LOT did... as I'm quite sure you know. Hopefully the criminal justice system will work this out...
Business Response
Date: 09/14/2023
Better Business Bureau of Metropolitan ***********.
***************
Ste. 1600
******, ***** 75201

RE: ***********************- Case # ********

To Whom It May ****************** September 7, 2023, Exeter Finance LLC (Exeter) received notice that *********************** (West") had additional concerns to bring to Exeters attention regarding the complaint filed through the Better Business Bureau on August 18, 2023.

While Exeter regrets that West is not satisfied with our initial response, we believe that we have fully addressed the concerns regarding ******* account in the response sent on September 1, 2023.

We have thoroughly investigated your complaint regarding your buying experience and determined that all required information regarding the terms of your loan were disclosed on the Contract as required by law. The signed Contract shows that all parties agreed with the terms and conditions stated. The questions raised in your complaint are issues best resolved between you and the Dealership where you purchased your vehicle.

Exeter used the income stated on Wests executed application for credit as proof of income was not a requirement for financing Wests account.

We trust this answers any questions associated with the complaint. If West has any questions about these or any other concerns, Exeter encourages them to contact the Office of the President at ************.

Sincerely,

Office of the President
Exeter Finance LLC
Initial Complaint
Date:08/18/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I made my car payment on August 11, 2023 and they took another payment out on August 15, 2023. I didnt make or approve the second payment and Im not signed up for auto pay. I called and they wont refund my money. They said I need to call my bank. Also, the second payment they took out didnt even go toward my September payment. *** never had a problem with them before this. The gentleman I spoke to has absolutely no authority to do anything. I would like this resolved right away please and thank you.
Business Response
Date: 09/01/2023
Better Business Bureau of Metropolitan ***********.
*************************
Ste. 1600
******,***** 75201

RE:***************************- Case # ********

To Whom It May ****************** August 18, 2023, Exeter Finance LLC (Exeter) received notice regarding a complaint filed through the Better Business Bureau (BBB). Exeter would like to thank *************************** (********) for the opportunity to address their concerns.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. Exeter has thoroughly investigated the complaint and made the following determination.

A review of Exeters records indicates that there were several self-initiated payments that were processed online under ********* MyAccount profile. On August 1, 2023, a payment in the amount of $243.35 was processed online. The payment was returned unpaid on August 8, 2023.

Subsequently,on August 11, 2023, a payment in the amount of $243.35 was processed online under ********* MyAccount profile. That payment satisfied the July 20th due date. On August 15, 2023, a payment in the amount of $243.35 was processed online under ********* MyAccount profile. That payment satisfied the August 20th due date. Both payments were applied per the terms of the contract.

We are unable to substantiate the claims that transactions in question were unauthorized by Exeter. As a result, we are unable to process the requested refund.

Additionally,if the payments were initiated in error by ********, they have the option to dispute the charges directly with their financial institution.

We trust 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 ************.

Sincerely,

Office of the President
Exeter Finance LLC
Initial Complaint
Date:08/16/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Green return receipts(07/08/2023#****************), ( 07/12/2023 #**** 3330)(07/27/2023#**********************) (08/03/2023#******************)(08/14/2023#******************8931). The return receipts are my correspondence to Exeter Finance. I the consumer has found that Exeter Finance Is BREAKING THE *** By Reporting my NONPUBLIC PERSONAL INFORMATION to the consumer reporting agencies. I have asked for my disclosures pursuant to 15 USC **** Exeter Finance rejected my RIGHT to Opt- Out of my personal nonpublic information being shared with nonaffiliated third parties. I have never received these disclosures when i got this car from ************************ this account was assigned to Exeter Finance i have been asking for these disclosures even telling Exeter Finance TO CEASE AND DESIST ALL COMMUNICATION INCLUDING REPORTING TO CRAs. ON 08/07/2023 in response to my letter Exeter Finance stated " Regarding sharing your personal information with third parties. Adherence to the fair credit reporting act, ********************* ****** act and associated regulations. Exeter provides our customers with a privacy notice to inform them how Exeter shares their non-public personal information with affiliated or nonaffiliated third parties. The privacy notice also includes an opt-out Notice which allows customers to prevent Exeter from sharing of NPI by opting- Out. These notices are mailed with the welcome packet then mailed annually to the last know address on record or emailed to those customers who have agreed to receive all correspondence electronically. THIS OPT-OUT NOTICE HAS NO BEARING ON EXETER REPORTING TO YOUR (***********************) CONSUMER CREDIT REPORT." Also in response to my letter Exeter stated" 08/10/2023 RE: Cease and Desist Notice *******. Exeter Finance also stated to me that" Exeter Finance has consistently rejected these allegations, and your continued submissions of complaints and fraudulent documents constitutes harassment. Exeter herby demands that you (***********************) immediately cease and desist with any and all future communications relating to the release of your contractual obligations to exeter directly, or otherwise. Exeter will NOT respond to future complaints of this nature." Exeter Finance through the quoted text has proved to be noncompliant in regards of honoring my Right under the Gramm ************************ Act pursuant 15 USC **** my confidentially has been breeched My Privacy Has been breeched. (a)Notice requirements (b)Opt out (1)In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless (A)such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section **** of this title, that such information may be disclosed to such third party; (B)the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and (C)the consumer is given an explanation of how the consumer can exercise that nondisclosure option. EXETER did not disclose to me sharing my NPI Making this account Identity Theft 15 USC ****(b)(2) (2)In accordance with the written instructions of the consumer to whom it relates. EXETER finance brought me emotional actually damaging me to extend credit unable to get a home for my family. I want justice for their willful noncompliance 15 USC ****n. I have told Exeter Finance that Pursuant 15 USC ****(a)(d)Consumer Report.(1)In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for(A)credit or insurance to be used primarily for personal, family, or household purposes;(B)employment purposes; or (C)any other purpose authorized under section ****b of this title.(2)Exclusions.Except as provided in paragraph (3), the term consumer report does not include(A)subject to section ****s3 of this title, any(i)report containing information solely as to transactions(PAYMENT HISTORY) or experiences (Utilization)between the consumer and the person making the report;So in my letter its clear that a consumer report does not include transaction however exeter finance steady reporting late payment when its suppose to be excluded. This company do not respect consumer protection laws they feel like they are above the law and need justice brought upon them
Business Response
Date: 08/31/2023
August 31, 2023

Better Business Bureau of Metropolitan ***********.
******************>Ste.1600
******,***** 75201

RE:*********************** - Case # ********

To Whom It May ****************** August 17, 2023, 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 the concerns outlined in the complaint. 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.

Exeter responded to multiple complaints filed by ******* directly, the State Attorney General of ******** and the ************************************ (CFPB) regarding the same/similar issues presented in this complaint. On July 15, 2019, ******* signed a Motor Vehicle Retail Installment Sales Contract Simple Finance Charge (Contract)for the purchase of a vehicle with ************************ (Dealer) which assigned the Contract to Exeter.

******* cites statutes and regulations either wholly unrelated to Exeter Finance or otherwise inapplicable to the circumstances surrounding their account.

Unlike what some may have experienced with a mortgage refinance or home equity line of credit, the
Federal Truth-in-Lending Act (TILA) and its implementing regulations does not provide for a right to
rescission for indirect auto sales finance contracts, such as the Contract into which ******* entered. ******* will remain responsible for the contractual terms which they agreed, including making payments.

As a creditor, Exeter has an obligation to report its consumers account information in accordance with
the guidelines stated in the Fair Credit Reporting Act. The information, including the charge-off, reported
to credit reporting agencies (CRAs) is accurate, and as such, no adjustments are necessary.

Regarding sharing of Burnetts personal information with third parties, in Adherence to the Fair Credit Reporting Act (FCRA), ********************************** Act (GLBA), and associated regulations, when applicable, Exeter provides our customers with a Privacy Notice to inform them of how Exeter shares their non-public personal information (NPI) with affiliates or nonaffiliated third parties. The Privacy Notice also includes an Opt-Out Notice which allows customers to prevent Exeter from sharing NPI by opting out. These notices are mailed with the Welcome Packet then mailed annually to the last known address on record or emailed to those customers who have agreed to receive all correspondence electronically.This Opt-Out Notice has no bearing on Exeter reporting their account to the credit reporting agencies. As requested, ******** account has been placed in a cease-and-desist status to prevent any future collection activity by Exeter.

We trust this response 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 ************.

Sincerely,

Office of the President
Exeter Finance LLC
Customer Answer
Date: 08/31/2023

Account #*************
Notice to agent is notice to principal notice to principal is notice to agent.
15 U.S. Code **** - Congressional findings and statement of purpose

(a) Accuracy and fairness of credit reportingThe Congress makes the following findings:
(1)
The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidencewhich is essential to the continued functioning of the banking system.

I pulled my Consumer reports from (Equifax, TransUnion & Experian) and I notice you have furnished an account there as a charge off.

An account cannot be a charge off! A charge off is a cancelled debt where a form ****C must be issued to the consumer! How can you collect on a canceled debt?
The collection on a cancelled debt that has been charge off constitutes tax fraud and the matter will be reported to the **** I will be filing a Form 3949-A

Charge off definition:

Charge-off. Write off of a debt and termination of servicing activity without release of liability. A charge-off is a decision by the  Agency to remove debt from  Agency receivables, however, future payments may be received.

Write off:
a write-off of debt is cancellation of a debt in the account books of a creditor. When a creditor writes off a debt and charges the debtor on the extra amount after the written off debt, it can be taken as evidence that the debtor is discharged from that written off debt.

cancellation of a debt:

****************************************************************************

How Does Canceled Debt Affect Taxes?
The *** considers most forms of forgiven, canceled or settled debt as income for tax purposes. If the amount of your canceled debt is more than $600 and it's considered taxable, the lender is required to send you a ****-C form, which includes the cancelled amount that you'll need to report.

Exeter Finance has furnished this account as a charge off! You are in violation of the Fair Credit Reporting Act 15 USC ****.

15 USC ****e (b)
(b)Accuracy of report
Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
The reporting of inaccurate information to a consumer reporting agency is damaging to my credit worthiness, creditstanding, credit capacity, character, and general reputation.
Exeter Finance are a furnisher of information you are prohibited by law from reporting inaccurate information.
15 U.S. Code ****s2 - Responsibilities of furnishers of information to consumer reporting agencies
(a) Duty of furnishers of information to provide accurate information.

(1) Prohibition
(A)Reporting information with actual knowledge of errors
A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The *** defines a Charge Off as cancelled debt. When a debt is cancelled a FORM ****C must be issued. The *** states that a cancelled debt is Gross or ordinary income, INCOME DOES NOT GET REPORTED TO THE CONSUMER REPORTING AGENCIES.
You have been put on notice.
15 USC ****s-2(****************** information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if
(i)
the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and
(ii)
the information is, in fact, inaccurate.

Delete the following account from my consumer reports:
#*****************

15 U.S. Code ****n - Civil liability for willful noncompliance
(a)In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of
(1)
(A)
any actual damages sustained by the consumer as a result of the failure or damages of not less than $100 and not more than $1,000; or
(B)
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 theconsumer as a result of the failure or $1,000, whichever is greater;

(2) such amount of punitive damages as the court may allow; and

(3) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by courts.
Also 07/15/2019 on the credit application I specifically stated that i DID NOT WANT MY NONPUBLIC INFORMATION SHARED WITH NONAFFILIATED THIRD PARTIES exhibit is added. Exeter finance still furnished my private information after I initialed that I did not want them to do that I have already let you know what nonpublic information is and you still are noncompliance. Lets make some clear so you stop copying and paste the same response Im not talking talking bout recession Im talking bout you furnishing inaccurate information on my consumer report and Im talking bout your company furnishing my nonpublic information after being told not to.

Yours truly,
****, *******
Without Recourse all rights reserved UCC 1-308

Customer Answer
Date: 08/31/2023

Account #*************
Notice to agent is notice to principal notice to principal is notice to agent.
15 U.S. Code **** - Congressional findings and statement of purpose

(a) Accuracy and fairness of credit reportingThe Congress makes the following findings:
(1)
The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidencewhich is essential to the continued functioning of the banking system.

I pulled my Consumer reports from (Equifax, TransUnion & Experian) and I notice you have furnished an account there as a charge off.

An account cannot be a charge off! A charge off is a cancelled debt where a form ****C must be issued to the consumer! How can you collect on a canceled debt?
The collection on a cancelled debt that has been charge off constitutes tax fraud and the matter will be reported to the **** I will be filing a Form 3949-A

Charge off definition:

Charge-off. Write off of a debt and termination of servicing activity without release of liability. A charge-off is a decision by the  Agency to remove debt from  Agency receivables, however, future payments may be received.

Write off:
a write-off of debt is cancellation of a debt in the account books of a creditor. When a creditor writes off a debt and charges the debtor on the extra amount after the written off debt, it can be taken as evidence that the debtor is discharged from that written off debt.

cancellation of a debt:

****************************************************************************

How Does Canceled Debt Affect Taxes?
The *** considers most forms of forgiven, canceled or settled debt as income for tax purposes. If the amount of your canceled debt is more than $600 and it's considered taxable, the lender is required to send you a ****-C form, which includes the cancelled amount that you'll need to report.

Exeter Finance has furnished this account as a charge off! You are in violation of the Fair Credit Reporting Act 15 USC ****.

15 USC ****e (b)
(b)Accuracy of report
Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
The reporting of inaccurate information to a consumer reporting agency is damaging to my credit worthiness, creditstanding, credit capacity, character, and general reputation.
Exeter Finance are a furnisher of information you are prohibited by law from reporting inaccurate information.
15 U.S. Code ****s2 - Responsibilities of furnishers of information to consumer reporting agencies
(a) Duty of furnishers of information to provide accurate information.

(1) Prohibition
(A)Reporting information with actual knowledge of errors
A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The *** defines a Charge Off as cancelled debt. When a debt is cancelled a FORM ****C must be issued. The *** states that a cancelled debt is Gross or ordinary income, INCOME DOES NOT GET REPORTED TO THE CONSUMER REPORTING AGENCIES.
You have been put on notice.
15 USC ****s-2(****************** information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if
(i)
the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and
(ii)
the information is, in fact, inaccurate.

Delete the following account from my consumer reports:
#*****************

15 U.S. Code ****n - Civil liability for willful noncompliance
(a)In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of
(1)
(A)
any actual damages sustained by the consumer as a result of the failure or damages of not less than $100 and not more than $1,000; or
(B)
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 theconsumer as a result of the failure or $1,000, whichever is greater;

(2) such amount of punitive damages as the court may allow; and

(3) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by courts.
Also 07/15/2019 on the credit application I specifically stated that i DID NOT WANT MY NONPUBLIC INFORMATION SHARED WITH NONAFFILIATED THIRD PARTIES exhibit is added. Exeter finance still furnished my private information after I initialed that I did not want them to do that I have already let you know what nonpublic information is and you still are noncompliance. Lets make some clear so you stop copying and paste the same response Im not talking talking bout recession Im talking bout you furnishing inaccurate information on my consumer report and Im talking bout your company furnishing my nonpublic information after being told not to.

Yours truly,
****, *******
Without Recourse all rights reserved UCC 1-308

Customer Answer
Date: 09/06/2023
I am rejecting this response because:
Account #*************
Notice to agent is notice to principal notice to principal is notice to agent.
15 U.S. Code **** - Congressional findings and statement of purpose

(a) Accuracy and fairness of credit reportingThe Congress makes the following findings:
(1)
The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidencewhich is essential to the continued functioning of the banking system.

I pulled my Consumer reports from (Equifax, TransUnion & Experian) and I notice you have furnished an account there as a charge off.

An account cannot be a charge off! A charge off is a cancelled debt where a form ****C must be issued to the consumer! How can you collect on a canceled debt?
The collection on a cancelled debt that has been charge off constitutes tax fraud and the matter will be reported to the **** I will be filing a Form 3949-A

Charge off definition:

Charge-off. Write off of a debt and termination of servicing activity without release of liability. A charge-off is a decision by the  Agency to remove debt from  Agency receivables, however, future payments may be received.

Write off:
a write-off of debt is cancellation of a debt in the account books of a creditor. When a creditor writes off a debt and charges the debtor on the extra amount after the written off debt, it can be taken as evidence that the debtor is discharged from that written off debt.

cancellation of a debt:

****************************************************************************

How Does Canceled Debt Affect Taxes?
The *** considers most forms of forgiven, canceled or settled debt as income for tax purposes. If the amount of your canceled debt is more than $600 and it's considered taxable, the lender is required to send you a ****-C form, which includes the cancelled amount that you'll need to report.

Exeter Finance has furnished this account as a charge off! You are in violation of the Fair Credit Reporting Act 15 USC ****.

15 USC ****e (b)
(b)Accuracy of report
Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
The reporting of inaccurate information to a consumer reporting agency is damaging to my credit worthiness, creditstanding, credit capacity, character, and general reputation.
Exeter Finance are a furnisher of information you are prohibited by law from reporting inaccurate information.
15 U.S. Code ****s2 - Responsibilities of furnishers of information to consumer reporting agencies
(a) Duty of furnishers of information to provide accurate information.

(1) Prohibition
(A)Reporting information with actual knowledge of errors
A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The *** defines a Charge Off as cancelled debt. When a debt is cancelled a FORM ****C must be issued. The *** states that a cancelled debt is Gross or ordinary income, INCOME DOES NOT GET REPORTED TO THE CONSUMER REPORTING AGENCIES.
You have been put on notice.
15 USC ****s-2(****************** information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if
(i)
the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and
(ii)
the information is, in fact, inaccurate.

Delete the following account from my consumer reports:
#*****************

15 U.S. Code ****n - Civil liability for willful noncompliance
(a)In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of
(1)
(A)
any actual damages sustained by the consumer as a result of the failure or damages of not less than $100 and not more than $1,000; or
(B)
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 theconsumer as a result of the failure or $1,000, whichever is greater;

(2) such amount of punitive damages as the court may allow; and

(3) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by courts.
Also 07/15/2019 on the credit application I specifically stated that i DID NOT WANT MY NONPUBLIC INFORMATION SHARED WITH NONAFFILIATED THIRD PARTIES exhibit is added. Exeter finance still furnished my private information after I initialed that I did not want them to do that I have already let you know what nonpublic information is and you still are noncompliance. Lets make some clear so you stop copying and paste the same response Im not talking talking bout recession Im talking bout you furnishing inaccurate information on my consumer report and Im talking bout your company furnishing my nonpublic information after being told not to.

Yours truly,
****, *******
Without Recourse all rights reserved UCC 1-308
Business Response
Date: 09/18/2023
September 18, 2023

Better Business Bureau of Metropolitan ***********.
******************>Ste.1600
******,***** 75201

RE:*********************** - Case # ********

To Whom It May ****************** September 12, 2023, Exeter Finance LLC (Exeter) received notice that *********************** (*******) had additional concerns to bring to Exeters attention regarding the complaint filed through the Better Business Bureau on August 17,2023.

While we regret that ******* is not satisfied with Exeters previous response, we believe that the concerns have been fully addressed. As previously stated, Exeter responded to multiple complaints filed by ******* directly, the State Attorney General of ******** and the ************************************ (CFPB) regarding the same/similar issues presented in this complaint.

******* cites statutes and regulations either wholly unrelated to Exeter Finance or otherwise inapplicable to the circumstances surrounding their account. In Adherence to the Fair Credit Reporting Act (FCRA), ********************************** Act (GLBA), and associated regulations, when applicable, Exeter provides our customers with a Privacy Notice to inform them of how Exeter shares their non-public personal information (NPI) with affiliates or nonaffiliated third parties. The Privacy Notice also includes an Opt-Out Notice which allows customers to prevent Exeter from sharing NPI by opting out. These notices are mailed with the Welcome Packet then mailed annually to the last known address on record or emailed to those customers who have agreed to receive all correspondence electronically. This Opt-Out Notice has no bearing on Exeter reporting their account to the credit reporting agencies.

As stated on the application for credit ******* completed I authorize dealer and any finance company, bank or other financial institution to which the dealer submits my application (you) to investigate my credit and employment history,verify my income, obtain credit reports, and release information about your credit experience with me as the law permits. As a creditor, Exeter has an obligation to report its consumers account information in accordance with the guidelines stated in the Fair Credit Reporting Act. The information, including the charge-off, reported to credit reporting agencies (CRAs) is accurate, and as such, no adjustments are necessary.

Additionally,******* complains that Exeter has charged off the Account and has failed to issue a ****-C in connection with the Account. *********************** records indicate that the Account was charged off on October 31, 2020, in accordance with Exeter policy and applicable law. An account charge-off status does not relieve customers from contractual obligations owed; indeed, Exeter will still seek to collect money owed on charged-off accounts. Pursuit to the *** regulations,a ****-C will be issued when the debt has been forgiven or cancelled by Exeter.Exeter has not cancelled or forgiven the debt associated with the Account. As such, the Account does not presently qualify under the *** regulations for the issuance of a ****-C. (For more information, please see *** Publication **** or visit the *** web page discussing ****-Cs at: ************************************************.)

We trust this response 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 ************.

Sincerely,

Office of the President
Exeter Finance LLC
Initial Complaint
Date:08/16/2023
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I financed a car through Exeter finance. Just over $20,000. I am not exactly the smartest person and thought I was being taken care of. *** Im finding out that the interest rate that Im paying is illegal under usury law. *****% interest. I called and asked if I could lower it because it was technically an outrageous and illegal rate.Exeter flat out told me that they could charge up to 28% and that they didnt know anything about the legal limit of interest rates for car financing. I just want my interest rate down to the legal maximum at the very least. Realizing that they did this to me and gave me such a rate has brought a lot of depressive thoughts. How can this be allowed to happen? Just because I dont know everything under the sun? Please help me. If Exeter does not lower I will need to file a suit and I would then be getting back all of the extra money Ive paid because of the illegal rate.
Business Response
Date: 08/29/2023
August 29, 2023

Better Business Bureau of Metropolitan ***********.
*******************Ste.3838
******,***** 75201

RE:***********************- Case # ********

To Whom It May ****************** August 16, 2023, 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 the concerns outlined in the complaint. 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.

On July 20, 2023, ******* signed a Retail Installment Sale Contract Simple Finance Charge (Contract) for the purchase of a vehicle with ********************* (Dealer),which assigned the Contract to Exeter. Exeter is an indirect auto finance company that purchases Contracts from dealerships. Exeter does not communicate with or negotiate Contract terms with borrowers prior to the consummation of the Contract between the borrower and the Dealer.
All required information regarding the terms and conditions of the Contract, including without limitation the APR, was disclosed on the Contract as required by law. The signed Contract shows that all parties agreed with those terms and conditions. The APR charged does not exceed the maximum rate allowed by the *********************** (i.e., where the Contract was negotiated and executed, and whose law applies as pursuant to the express provisions of the Contract). ******** claim that Exeter is charging an illegal APR is unsubstantiated.
Exeter does not offer refinancing; therefore, will not refinance or otherwise change the existing terms of the Contract. ******* may contact any lender of choice to discuss refinancing options.

We trust this response 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 ************.

Sincerely,

Office of the President
Exeter Finance LLC
Customer Answer
Date: 08/30/2023
I am rejecting this response because: I didnt see a 27% apr until I received my first bill. It IS an USUROUS APR. It is over the ************** legal limit and it is an EXORBITANT RATE OF INTEREST. Do see that. There is no sense in paying double for a car. The dealership themselves have already tried to ******* out of paying for the hail damage fix as well as 0 customer service to help. ********************** is the same, everyone on the phone is rude. You cant take advantage of someone that doesnt fully understand all of this due to mental issues.
Business Response
Date: 09/18/2023
September 18, 2023

Better Business Bureau of Metropolitan ***********.
*******************Ste.3838
******,***** 75201

RE:***********************- Case # ********

To Whom It May ****************** August 31, 2023, Exeter Finance LLC (Exeter) received notice that *********************** (*******) had additional concerns to bring to Exeters attention regarding the complaint filed through the Better Business Bureau on August 16,2023.

While we regret that ******* is not satisfied with Exeters previous response, we believe that the concerns have been fully addressed. As previously stated, on July 20, 2023, ******* signed a Retail Installment Sale Contract Simple Finance Charge (Contract) for the purchase of a vehicle with ********************* (Dealer),which assigned the Contract to Exeter.

Exeter is an indirect auto finance company that purchases Contracts from dealerships.Exeter does not communicate with or negotiate Contract terms with borrowers prior to the consummation of the Contract between the borrower and the Dealer. All required information regarding the terms and conditions of the Contract,including without limitation the APR, was disclosed on the Contract as required by law. The signed Contract shows that all parties agreed with those terms and conditions.

The APR charged does not exceed the maximum rate allowed by the *********************** (i.e., where the Contract was negotiated and executed, and whose law applies as pursuant to the express provisions of the Contract). ******** claim of usurious APR is false.

Any concerns regarding the condition of the vehicle or needed repairs are issues between ******* and the Dealer and should be addressed with the Dealer directly. In addition, we are unable to substantiate ******** claim of Exeters representatives being rude as stated in this complaint. Exeter is committed to providing excellent customer service and apologizes if the services received did not meet their expectations.

We trust this response 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 ************.

Sincerely,

Office of the President
Exeter Finance LLC
Customer Answer
Date: 09/19/2023
I am rejecting this response because:
Initial Complaint
Date:08/16/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I cosigned for a car back in FEB 3rd of 2023. My friend has made the car payments through a 3rd party that they use, and this company has failed to report any of the car payments. Exeter keeps calling me, telling me the car is 59 days past due, when I know the payments have been made by the other party. The other party doesn't send them updates, causing my credit score to drop constantly with their double hits each month that they say the payment is "past due." We have a case open with them, and its been 2 month with 0 resolution on the supposed late payments. At one point when we called, they said WE had to tell the 3rd party to release the information to Exeter in order for them to see the payments. How is this our job as the buyer? They should already be getting this information to them by their 3rd party company.
Business Response
Date: 08/30/2023
Better Business Bureau of Metropolitan ***********.
*************************
Ste. 1600
******, ***** 75201

RE: *****************- Case # ********

To Whom It May ****************** August 16, 2023, 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 the concerns outlined in the complaint. 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.

Exeter accepts various forms of payment on accounts. The various methods can be accepted via mail, by phone, online,direct transfers, and other third-party services that electronically transfer funds on the customers behalf. Exeter will apply funds received on a customer's account as required by state law and if specified, per their contract. Any outstanding payments handled by a third-party agency would require direct inquiry and investigation with them.

Regarding Reeds credit reporting, as a creditor, Exeter is obligated to report its consumers account information in accordance with the guidelines stated in the Fair Credit Reporting Act, which requires all accounts to be reported accurately and factually to the ************************* (CRAs). Account information is furnished to the CRAs every month and will reflect the status of the account at the time of reporting.

Exeters records were reviewed, and it has been confirmed that the information reported to the CRAs was accurate. As such,Exeter will not honor ***** request to remove the valid late payments from her credit file based on the claims presented in this complaint.

Under a separate cover, **** will receive a copy of their Statement of Account showing all activity over the life of the account. If **** believes there are inaccuracies regarding the payments Exeter has received, they should provide the specific information they are disputing, along with unaltered bank statements reflecting transactions in question. This may be sent to **************************** for further research.

We trust 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 ************.

Sincerely,

Office of the President
Exeter Finance LLC

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