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 $First, I was never late in August as seen in the provided documentationSecond, I applied for a hardship extension in March of and was told over the phone by a customer service representative that I could indeed push a payment to the end of the loan based on the fact that I had been unemployed but was currently reemployed and needed time for my payroll to start before I could make a paymentOne can clearly see that March is missing from my payment history and there is an extension notation on the right side of the provided documentation which accounts for thisThis however has nothing to do with February which clearly shows as paidI b
months payments confirmed paid from my bank account falsely marked as returned, both not updated as paid since 1/& falsly reported delinquent
exeter recieved multiple payments debited from my bank account as confirmed by wells fargo, and exeters website,
debited from account on 1/29/$paid as agreed, but falsely marked by exeter as returned
debited from account on 2/25/falsely marked unpaid balance, so I paid $
neither payment has been updated by exeter in spite of calls to their customer service who admitted the issue
Exeter then falsely reported my account 30-days delinquent to Transunion credit bureau, affecting my current home buying process
this account has not been updated correctly by exeter since my insurance company paid them the bulk of the balance in january from an accident even though ive paid out regularly
this account ought to be at a PAID IN FULL status following payments from progressive insurance, and timely payments
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?
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
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
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
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
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
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
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
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
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
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
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
I bought a car from Exeter in November 15, and I never paid anything toward the principal on the car They always told me that I was still paying on the interest of the car and I was paying them $a month and I have pay them over $22,in interest so I gave them the car back and they still calling me and saying that I can get the car back if I pay them $ I told them that the car ought to be paid for when it was only a little over $24, Please don't let Exeter finance a car or nothing for you because they are a ripe off and if I knew then that I won't have them at all If it was let up to me they would have a stars and a very negative review
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
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,
just paid off my account number XXXXXXX with Exeter Finance on 02/08/ I had a payment due on 01/22/and I traded my car and gave the dealers
I just paid off my account number XXXXXXX with Exeter Finance on 02/08/ I had a payment due on 01/22/and I traded my car and gave the dealership a payoff good through 01/31/ However, the dealer payment didn't post until 02/02/ A 30-day late payment was put on my account for January On 02/08/I paid the balance of as the dealership payment was received after the 31st of January
I have tried to contact someone at Exeter for a goodwill 30-day late payment removal for January but I haven't been successful I'm trying to pay my accounts on time and not be 30-days late I want you to know that I understand my financial obligations, I traded the Camaro financed by Exeter Finance on 01/12/and if it weren't for Bob *** Chrysler Dodge Jeep Ram, Graniteville, SC not paying the vehicle
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 $First, I was never late in August as seen in the provided documentationSecond, I applied for a hardship extension in March of and was told over the phone by a customer service representative that I could indeed push a payment to the end of the loan based on the fact that I had been unemployed but was currently reemployed and needed time for my payroll to start before I could make a paymentOne can clearly see that March is missing from my payment history and there is an extension notation on the right side of the provided documentation which accounts for thisThis however has nothing to do with February which clearly shows as paidI b
months payments confirmed paid from my bank account falsely marked as returned, both not updated as paid since 1/& falsly reported delinquent
exeter recieved multiple payments debited from my bank account as confirmed by wells fargo, and exeters website,
debited from account on 1/29/$paid as agreed, but falsely marked by exeter as returned
debited from account on 2/25/falsely marked unpaid balance, so I paid $
neither payment has been updated by exeter in spite of calls to their customer service who admitted the issue
Exeter then falsely reported my account 30-days delinquent to Transunion credit bureau, affecting my current home buying process
this account has not been updated correctly by exeter since my insurance company paid them the bulk of the balance in january from an accident even though ive paid out regularly
this account ought to be at a PAID IN FULL status following payments from progressive insurance, and timely payments
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?
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
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
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
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
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
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
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
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
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
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
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
I bought a car from Exeter in November 15, and I never paid anything toward the principal on the car They always told me that I was still paying on the interest of the car and I was paying them $a month and I have pay them over $22,in interest so I gave them the car back and they still calling me and saying that I can get the car back if I pay them $ I told them that the car ought to be paid for when it was only a little over $24, Please don't let Exeter finance a car or nothing for you because they are a ripe off and if I knew then that I won't have them at all If it was let up to me they would have a stars and a very negative review
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
See attached documents
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,
just paid off my account number XXXXXXX with Exeter Finance on 02/08/ I had a payment due on 01/22/and I traded my car and gave the dealers
I just paid off my account number XXXXXXX with Exeter Finance on 02/08/ I had a payment due on 01/22/and I traded my car and gave the dealership a payoff good through 01/31/ However, the dealer payment didn't post until 02/02/ A 30-day late payment was put on my account for January On 02/08/I paid the balance of as the dealership payment was received after the 31st of January
I have tried to contact someone at Exeter for a goodwill 30-day late payment removal for January but I haven't been successful I'm trying to pay my accounts on time and not be 30-days late I want you to know that I understand my financial obligations, I traded the Camaro financed by Exeter Finance on 01/12/and if it weren't for Bob *** Chrysler Dodge Jeep Ram, Graniteville, SC not paying the vehicle