Inaccurate Credit Reporting/Exeter Mistake not fixed
I currently have an auto loan, XXXXXXXXXXXXXXXXXI am writing you today to ask for your help with two situationsOne was my fault and one was notI'll begin with the one that was technically my fault since I had entrusted my wife at the time to pay my car noteI currently serve in the Army and in October 2014, I came home from deploymentI began taking control of my bills that my now ex-wife had been overseeing in my absenceI was informed by a representative at Exeter that I was days behind on my loanI made a payment arrangement that I could afford and followed through on my arrangement as promised, but unfortunately I could only pay $more than my payment which made me technically days late for November 2014, December 2014, and January Now to the part I feel is not my fault, the first part of February I called Exeter and asked what my options were to possibly defer my paymentsAt this time Exeter
Incorrect credit bureau reportingExeter is claiming I was last when I was not and refuses to correct this issue causing harm to my credit profile
There are two reporting errors on my current loan and credit reports account #XXXXXXXExeter is reporting me late days on August and February in the amount of $First, I was never late in August as seen in the provided documentationSecond, I applied for a hardship extension in March of and was told over the phone by a customer service representative that I could indeed push a payment to the end of the loan based on the fact that I had been unemployed but was currently reemployed and needed time for my payroll to start before I could make a paymentOne can clearly see that March is missing from my payment history and there is an extension notation on the right side of the provided documentation which accounts for thisThis however has nothing to do with February which clearly shows as paidI b
Loan was paid off by CarMax on 5/9/in fullExeter was suppose to return a car payment in the amount of $in 7-days from the payoff date
Fiat 500, Acct.#XXXXXXXI return car back to seller,Carmax because of defectsCarMax paid off loan to Exeter on 5/9/17, I spoke with customer service that same day about returning back a car payment I made, and they told me that they could not return it by direct deposit to my checking accountI gave them a option to FedEx it within the 7-days as promiseCarMax inform me that they always have had trouble with this finance company and their customersThe method of payment was direct debit from my checking account that was authorized by meThey refuse to return it in the same matter, and has we waiting for the mail to deliver refund check
Car was totaled due to accident,account was taken over by insurance by reported late since March
Car was totaled March Insurance told me not to make payment because it would be covered with payoffMy account was reported past due unknowingly and once paid off it still shows that I did not make payments even though I was told not toThe late payments were not purposely and now I can not get a loan for a car because it is showing that I was late months on a car that I wasn't driving due to being totaledWhen I spoke to rep in July I was told that once car was paid that my report would be updated and late payments would be removedHowever, after speaking with a rep last week she stated that the late payments would show on my account because I was responsible for payments
Not able to reach corporate office for customer service
I have been trying to resolve an issue with being able to access my account on their website for over months nowTheir customer service is handled by a call center in India or somewhere and when I call the corporate office, all I get is sent to "reception" voice mailNever does the phone ring or do I get a call backTheir customer service has not been able to do anything to help me and I'm beyond frustrated
I was told when I began my loan that amounts paid would apply towards interest and principalI made several payments that went towards interest only
I have made several payments that were less than the entire monthly payment but was paid in addition to the monthly paymentSome of this should have went towards both interest and principle as I am trying to pay this loan off quicker to save on the outrageous interest rateI was told that I could do this when I started the loan and until recently learned that this was not the caseI have paid my car loan up until August 2017, however, I made small payments and the representative told me that since my principle is paid up until August that anything less than the entire payment will only go towards interestWhat would be the reason to pay of this is the case?
An additional $3,was financed for a cancelled warrantyPlease deduct from principal balance and reapply posted payments and interest according
I discovered they financed an additional $3,for a tire and wheel warranty I told them I did not wantThe terms on the reverse of the addendum stated that if I cancelled the warranty in writing within days, they would refund me the premium paidI cancelled the warranty within two weeks of purchase and have yet to receive a refund
Attempts to resolve the issue directly with the dealership were met with unanswered phone calls and emailsOnce I engaged the Revdex.com, the dealership responded with empty promises in order to have my complaint closed as "resolved." I contacted the Revdex.com and they reopened my case and scheduled it for mediationThe dealership stopped responding to both me and the Revdex.com
I received the attached letter of intent from the Revdex.com ad
I live in Mississippi and bought car in TN,I'm being charged Tennessee Late charge fees
I spoke with Manager on 01/18/about the excessive calls I receive ( up to five everyday)The Manager stated that they are a business and has rules to follow...I told this manager, that I didn't care about them calling once a week, but calls in a week is harassment
I asked the Manager about the per month late charge that has been added to my account twice and she asked me, what state do you live in,I replied MississippiShe said by MS law, I can be charged up to max $or 5%..., but because I bought this car in Tennessee, that I would have to pay the late fee penalty according to Tennessee lawI disagree completely, and she stated those are the company terms
Identity theft credit report inquiries and fraud
On XX-XX-XXXX and XX-X-XXXX my identity was fraudulently used to obtain a loanI contacted this Exeter Finance Corp to notify them of the illegal activity; investigate; and remove this from my credit reportThey refused and stated I had to contact the Revdex.com
After a recent illness,I couldn't make my regular car payment.I contacted Exeter customer service and explained this to the rep.He spoke briefly with his manager and they approved a deferrment of my loan payment for months, also the late fee was waived for the current payment.This allowed me to not have to worry about my car payment while I was recovering.They also changed the due date on my loan going forward so that I could avoid any late fees.I have been doing business with Exeter for years now and I have never had any issues with them, on the contrary, they have been very professional whenever I've had reason to speak with their customer service repsMy only issue with this company is that they do not accept credit card payments
Exeter is refusing to refund money that they threatened us into paying
I was spoke to *** ** from Exeter Finance Corporation on 11/18/I had a total loss in April of and am still being held responsible for my April payment even though I had full coverage insurance and GAP InsuranceI have contacted Exeter over and over with this time period and have been threatened with negative credit reporting if I did not pay a balance owed to meEach person I speak to has a different answer and will then state that the previous employee I spoke with gave me incorrect information as they can read the notesI can not get any resolution and was refused an opportunity to be given a chance to look at the notes written on our account
Without my knowledge, they attempted to take a payment out of my checking account twice, overdrafting me twice in a week
I had called in and was setting up a payment date on February 11thI was told by the woman that my scheduled payment was cancelled for the next dayThey tried to pull money out that following Monday on the 15thIt cost me $I made my payment on that Friday of the 19thThey again tried to pull money out of my account that next Monday on the 21stWhen I called in to tell them I had already made a payment, I had had my bank fax over proof that they had overdrawn my account (I was told this would be put back into my account by Exeter), I was treated very rudelyI was told my account is under reviewI finally called back in today to find out where my refund was and was told it was still under reviewIt may not seem like a lot of money, but when you are living paycheck to paycheck it is a week's worth of groceries
Account paid in full however is still reported as days past due with a balance of $
My account has been paid off in the amount of 25,from 3/4/until 11/18/at 21% interest for a loan amount of 15,however I still have a balance of after making payments of $and payment of $totaling payments total.I called on 3/2/to inquire about the balance on my account, however I received a charge off notice dated 3/1/which I was not told was sentI also called and left a message on 3/13/ at XXX XXX-XXXX for *** *** Director, Servicing - Customer Service Support with no responseI need to understand why this has been sent when payments are in place for the extra interest charged by this company for my month extensionI also need to know how that interest was calculated, and what is the daily rate charged per day when late which caused the extreme balance after my payments have been madeI also need to know why this company
Company not providing correct information on steps required to do a state transfer of registration
On 1/I called Exeter Finance to request that a title be sent to Reagle's Notary so that I could re-register my vehicle in my new state of PennsylvaniaI was informed by the agent that there was nothing I would need to do on my end to set this in motion and that he would send the request to Exeter's titling office where it would be both faxed and mailed to Reagle's Notary within to hoursTwo weeks later, on 2/2/17, Reagle's had still not received the title so I contacted Exeter again and was informed by a different agent that they had notated my account on 1/18/in regards to the fact that Reagle's would have to send a title request to ExeterThere was no follow up from Exeter between the dates of 1/18/and 2/2/to inform me that I would need to have Reagle's request the transferThere was no communication until I called to inquire whether the title had been sent to Re
Took suchLong time to get the right paper work to register my car
I have been requesting a certified tittle for my car and a letter of permission in order to register my car in New York for almost months I got the run around and I was not able to use my car and drive it because it wasn't registered , it's not fair I still have to pay the car note when it was there fault I was never sent the right documents when I repeatedly called for it , there interest rate is too high also for the car
Paid my car off in august it is now October and I still don't have the title
First issue with them was when trying to pay the car off I asked what the remaining balance would be after I sent in a check from my car insurance and they gave me the amount and told me that if I paid the amount that day the car would be paid off when they got the insurance checkUpon them receiving the check they said I still owed them around $so I called and spoke to several people who tried to tell me that even though I was told the car would be paid off I was not correctAfter several days contacting them regarding this and speaking to different supervisors who tried to tell me I had no choice but to pay the $I continued to refuse as it should have been paid offThey finally admitted they were wrong and "wrote off" the "remaining balance" that shouldn't have existed in the first placeThen informed me I would be receiving my title soonAlmost a month later I called back since I hadn't rece
Online site & call center site shows completely different payoff/payment information
I checked my online account to see what the payoff amount would be prior to taking a loan out & was given an amount that DID NOT include the interestI called to confirm this amount & see why the amounts were different & was told that their online site doesn't include interestThis is completely advertisement to their customers as we look at this & the statements that we receive in the mail to make arrangements to pay or payoff our loansThe website & the call center should have the same information on both sites as to cause little to no confusion to those wanting to pay off their loans earlyI will NEVER finance with this company EVER again & STRONGLY advise anyone seeking finance options to avoid using this company EVER
EARLY PAYOFF REFUSED TO ADJUST INTEREST ON LOANBalance on account should have been $lessCompany refuses to adjust interest
Account number XXXXXXXPayoff date 10/5/Paid off $15,payment processed in payments to prevent interestTotal pay $14,
Exeter finance is reporting me on all credit reporting agencies wrongfullyI am paying my deferred payments now beginning in September
I paid my maturity payment for August 14th on 09/13/by money gramI received 30+ plus calls within days that a payments were not madeThat I was over days lateI was mistreated and talked down to and yelled atIt took one agent name Felicia that realized that my payments were being applied towards my fees instead of principalWells Fargo even sent a letter to Exeter Finance showing that two payments were made for Exeter FinanceI was under the impression with Felecia that my payments have been changed and added towards my principal: June, July and August,I gave the agent my cell number to contact me to contact me to make my payments (deferred) to go towards my principal with her.She made me feel at easeI was worried that my truck would be repo'd after yearsWell after my discussion with Felicia, I received more calls
This company is extremely crookedI am curious how much they have paid the Revdex.com to keep that rating with negative complaintsMost regarding collection tactics and billing issuesI had an issue where I made a payment and was told no late feeHowever they charged oneI also had an agreement no calls to my numbers yet, they call me and have a guy be a complete rude *** on the phone with meI do know the laws regarding the F.D.C.P.Asec .This was a violation in my call where they were collecting and I also received no Mini-Miranda form the gentleman attempting to collect on my phone which is a do not call number and that was verified by their customer service that the info is DNCYet they are above our agreement and the law
Inaccurate Credit Reporting/Exeter Mistake not fixed
I currently have an auto loan, XXXXXXXXXXXXXXXXXI am writing you today to ask for your help with two situationsOne was my fault and one was notI'll begin with the one that was technically my fault since I had entrusted my wife at the time to pay my car noteI currently serve in the Army and in October 2014, I came home from deploymentI began taking control of my bills that my now ex-wife had been overseeing in my absenceI was informed by a representative at Exeter that I was days behind on my loanI made a payment arrangement that I could afford and followed through on my arrangement as promised, but unfortunately I could only pay $more than my payment which made me technically days late for November 2014, December 2014, and January Now to the part I feel is not my fault, the first part of February I called Exeter and asked what my options were to possibly defer my paymentsAt this time Exeter
Incorrect credit bureau reportingExeter is claiming I was last when I was not and refuses to correct this issue causing harm to my credit profile
There are two reporting errors on my current loan and credit reports account #XXXXXXXExeter is reporting me late days on August and February in the amount of $First, I was never late in August as seen in the provided documentationSecond, I applied for a hardship extension in March of and was told over the phone by a customer service representative that I could indeed push a payment to the end of the loan based on the fact that I had been unemployed but was currently reemployed and needed time for my payroll to start before I could make a paymentOne can clearly see that March is missing from my payment history and there is an extension notation on the right side of the provided documentation which accounts for thisThis however has nothing to do with February which clearly shows as paidI b
Loan was paid off by CarMax on 5/9/in fullExeter was suppose to return a car payment in the amount of $in 7-days from the payoff date
Fiat 500, Acct.#XXXXXXXI return car back to seller,Carmax because of defectsCarMax paid off loan to Exeter on 5/9/17, I spoke with customer service that same day about returning back a car payment I made, and they told me that they could not return it by direct deposit to my checking accountI gave them a option to FedEx it within the 7-days as promiseCarMax inform me that they always have had trouble with this finance company and their customersThe method of payment was direct debit from my checking account that was authorized by meThey refuse to return it in the same matter, and has we waiting for the mail to deliver refund check
Car was totaled due to accident,account was taken over by insurance by reported late since March
Car was totaled March Insurance told me not to make payment because it would be covered with payoffMy account was reported past due unknowingly and once paid off it still shows that I did not make payments even though I was told not toThe late payments were not purposely and now I can not get a loan for a car because it is showing that I was late months on a car that I wasn't driving due to being totaledWhen I spoke to rep in July I was told that once car was paid that my report would be updated and late payments would be removedHowever, after speaking with a rep last week she stated that the late payments would show on my account because I was responsible for payments
Not able to reach corporate office for customer service
I have been trying to resolve an issue with being able to access my account on their website for over months nowTheir customer service is handled by a call center in India or somewhere and when I call the corporate office, all I get is sent to "reception" voice mailNever does the phone ring or do I get a call backTheir customer service has not been able to do anything to help me and I'm beyond frustrated
I was told when I began my loan that amounts paid would apply towards interest and principalI made several payments that went towards interest only
I have made several payments that were less than the entire monthly payment but was paid in addition to the monthly paymentSome of this should have went towards both interest and principle as I am trying to pay this loan off quicker to save on the outrageous interest rateI was told that I could do this when I started the loan and until recently learned that this was not the caseI have paid my car loan up until August 2017, however, I made small payments and the representative told me that since my principle is paid up until August that anything less than the entire payment will only go towards interestWhat would be the reason to pay of this is the case?
An additional $3,was financed for a cancelled warrantyPlease deduct from principal balance and reapply posted payments and interest according
I discovered they financed an additional $3,for a tire and wheel warranty I told them I did not wantThe terms on the reverse of the addendum stated that if I cancelled the warranty in writing within days, they would refund me the premium paidI cancelled the warranty within two weeks of purchase and have yet to receive a refund
Attempts to resolve the issue directly with the dealership were met with unanswered phone calls and emailsOnce I engaged the Revdex.com, the dealership responded with empty promises in order to have my complaint closed as "resolved." I contacted the Revdex.com and they reopened my case and scheduled it for mediationThe dealership stopped responding to both me and the Revdex.com
I received the attached letter of intent from the Revdex.com ad
I live in Mississippi and bought car in TN,I'm being charged Tennessee Late charge fees
I spoke with Manager on 01/18/about the excessive calls I receive ( up to five everyday)The Manager stated that they are a business and has rules to follow...I told this manager, that I didn't care about them calling once a week, but calls in a week is harassment
I asked the Manager about the per month late charge that has been added to my account twice and she asked me, what state do you live in,I replied MississippiShe said by MS law, I can be charged up to max $or 5%..., but because I bought this car in Tennessee, that I would have to pay the late fee penalty according to Tennessee lawI disagree completely, and she stated those are the company terms
Identity theft credit report inquiries and fraud
On XX-XX-XXXX and XX-X-XXXX my identity was fraudulently used to obtain a loanI contacted this Exeter Finance Corp to notify them of the illegal activity; investigate; and remove this from my credit reportThey refused and stated I had to contact the Revdex.com
After a recent illness,I couldn't make my regular car payment.I contacted Exeter customer service and explained this to the rep.He spoke briefly with his manager and they approved a deferrment of my loan payment for months, also the late fee was waived for the current payment.This allowed me to not have to worry about my car payment while I was recovering.They also changed the due date on my loan going forward so that I could avoid any late fees.I have been doing business with Exeter for years now and I have never had any issues with them, on the contrary, they have been very professional whenever I've had reason to speak with their customer service repsMy only issue with this company is that they do not accept credit card payments
Exeter is refusing to refund money that they threatened us into paying
I was spoke to *** ** from Exeter Finance Corporation on 11/18/I had a total loss in April of and am still being held responsible for my April payment even though I had full coverage insurance and GAP InsuranceI have contacted Exeter over and over with this time period and have been threatened with negative credit reporting if I did not pay a balance owed to meEach person I speak to has a different answer and will then state that the previous employee I spoke with gave me incorrect information as they can read the notesI can not get any resolution and was refused an opportunity to be given a chance to look at the notes written on our account
Without my knowledge, they attempted to take a payment out of my checking account twice, overdrafting me twice in a week
I had called in and was setting up a payment date on February 11thI was told by the woman that my scheduled payment was cancelled for the next dayThey tried to pull money out that following Monday on the 15thIt cost me $I made my payment on that Friday of the 19thThey again tried to pull money out of my account that next Monday on the 21stWhen I called in to tell them I had already made a payment, I had had my bank fax over proof that they had overdrawn my account (I was told this would be put back into my account by Exeter), I was treated very rudelyI was told my account is under reviewI finally called back in today to find out where my refund was and was told it was still under reviewIt may not seem like a lot of money, but when you are living paycheck to paycheck it is a week's worth of groceries
Account paid in full however is still reported as days past due with a balance of $
My account has been paid off in the amount of 25,from 3/4/until 11/18/at 21% interest for a loan amount of 15,however I still have a balance of after making payments of $and payment of $totaling payments total.I called on 3/2/to inquire about the balance on my account, however I received a charge off notice dated 3/1/which I was not told was sentI also called and left a message on 3/13/ at XXX XXX-XXXX for *** *** Director, Servicing - Customer Service Support with no responseI need to understand why this has been sent when payments are in place for the extra interest charged by this company for my month extensionI also need to know how that interest was calculated, and what is the daily rate charged per day when late which caused the extreme balance after my payments have been madeI also need to know why this company
Company not providing correct information on steps required to do a state transfer of registration
On 1/I called Exeter Finance to request that a title be sent to Reagle's Notary so that I could re-register my vehicle in my new state of PennsylvaniaI was informed by the agent that there was nothing I would need to do on my end to set this in motion and that he would send the request to Exeter's titling office where it would be both faxed and mailed to Reagle's Notary within to hoursTwo weeks later, on 2/2/17, Reagle's had still not received the title so I contacted Exeter again and was informed by a different agent that they had notated my account on 1/18/in regards to the fact that Reagle's would have to send a title request to ExeterThere was no follow up from Exeter between the dates of 1/18/and 2/2/to inform me that I would need to have Reagle's request the transferThere was no communication until I called to inquire whether the title had been sent to Re
Took suchLong time to get the right paper work to register my car
I have been requesting a certified tittle for my car and a letter of permission in order to register my car in New York for almost months I got the run around and I was not able to use my car and drive it because it wasn't registered , it's not fair I still have to pay the car note when it was there fault I was never sent the right documents when I repeatedly called for it , there interest rate is too high also for the car
Paid my car off in august it is now October and I still don't have the title
First issue with them was when trying to pay the car off I asked what the remaining balance would be after I sent in a check from my car insurance and they gave me the amount and told me that if I paid the amount that day the car would be paid off when they got the insurance checkUpon them receiving the check they said I still owed them around $so I called and spoke to several people who tried to tell me that even though I was told the car would be paid off I was not correctAfter several days contacting them regarding this and speaking to different supervisors who tried to tell me I had no choice but to pay the $I continued to refuse as it should have been paid offThey finally admitted they were wrong and "wrote off" the "remaining balance" that shouldn't have existed in the first placeThen informed me I would be receiving my title soonAlmost a month later I called back since I hadn't rece
Online site & call center site shows completely different payoff/payment information
I checked my online account to see what the payoff amount would be prior to taking a loan out & was given an amount that DID NOT include the interestI called to confirm this amount & see why the amounts were different & was told that their online site doesn't include interestThis is completely advertisement to their customers as we look at this & the statements that we receive in the mail to make arrangements to pay or payoff our loansThe website & the call center should have the same information on both sites as to cause little to no confusion to those wanting to pay off their loans earlyI will NEVER finance with this company EVER again & STRONGLY advise anyone seeking finance options to avoid using this company EVER
EARLY PAYOFF REFUSED TO ADJUST INTEREST ON LOANBalance on account should have been $lessCompany refuses to adjust interest
Account number XXXXXXXPayoff date 10/5/Paid off $15,payment processed in payments to prevent interestTotal pay $14,
Exeter finance is reporting me on all credit reporting agencies wrongfullyI am paying my deferred payments now beginning in September
I paid my maturity payment for August 14th on 09/13/by money gramI received 30+ plus calls within days that a payments were not madeThat I was over days lateI was mistreated and talked down to and yelled atIt took one agent name Felicia that realized that my payments were being applied towards my fees instead of principalWells Fargo even sent a letter to Exeter Finance showing that two payments were made for Exeter FinanceI was under the impression with Felecia that my payments have been changed and added towards my principal: June, July and August,I gave the agent my cell number to contact me to contact me to make my payments (deferred) to go towards my principal with her.She made me feel at easeI was worried that my truck would be repo'd after yearsWell after my discussion with Felicia, I received more calls
This company is extremely crookedI am curious how much they have paid the Revdex.com to keep that rating with negative complaintsMost regarding collection tactics and billing issuesI had an issue where I made a payment and was told no late feeHowever they charged oneI also had an agreement no calls to my numbers yet, they call me and have a guy be a complete rude *** on the phone with meI do know the laws regarding the F.D.C.P.Asec .This was a violation in my call where they were collecting and I also received no Mini-Miranda form the gentleman attempting to collect on my phone which is a do not call number and that was verified by their customer service that the info is DNCYet they are above our agreement and the law