This is by FAR the WORST company with which I've ever dealt When I purchased my vehicle in December of 2016, both my credit and my husband's credit were not great We settled for a loan with Exeter because we needed a vehicle despite many warnings that this company is horrible In January of 2018, I made my monthly payment early online Apparently, Exeter wiped the payment out of their system I had no idea that this happened UNTIL I paid my February payment (again, it was early) I gave them the benefit of the doubt and paid both January and February online Within a couple of weeks, I received a letter that our vehicle would be repossessed due to lack of payment I called Exeter, and they claimed to never have received a payment for January or February Not only did that further KILL my credit and my husband's credit, but we also received a late fee for over $ I made my payment for March a few days ago and realized today that it had been wiped out AGAIN I am in the process of trying to get it paid so I am not charged yet another late fee from them This company really seems like a scam to me They are in the business of preying on folks that have subpar credit by offering rates that are entirely too high, and then they pile enormous late fees on top of that I will NEVER do business with them again
I did not authorize anyone employed by your company to make an inquiry and view my credit report You have violated the Fair Credit Reporting Act
While checking my personal credit report, which I acquired from Experian, Equifax, Transunion, I noticed an inquiry made by your company
I did not authorize anyone employed by your company to make an inquiry and view my credit report You have violated the Fair Credit Reporting Act Section 1681b(c) You are not legally entitled to make the inquiry This is a serious breach of my privacy rights
I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five (5) business days so that I can verify its validity Mail it to the address listed above
Verification: Your claim must be verified to prove the validity, by presenting the alleged obligation under oath or notary seal, and signed by an Officer of CPS, under penalty of perjury as to accord with impartiality hon
This is the worse experience I have ever hadI have had this car loan for years nowThey make harrassing calls when days lateI had my bank information saved with their website so I can just log in and pay when it was due, big mistakeThey decided to take a payment from my account when I did not authorize it! They refunded it but not after causing me major problems with the bankI have since removed my info from their website and use Western Union Speed PayJust recently I mistakenly used the wrong bank account to make an one-time payment (since I now have to input my bank information everytime I want to make a payment) and of course it was returned (I know this was my fault)As soon as I realized my mistake I made the payment with the right bank accountExeter repeately continued to push payment thought to the wrong bank account even though they recieved my payment from the right accountCalled customer service twice, no one was any help, one agent left me on hold for min (probably hoping I would hang up)They did not understand my point that they should stop trying to take a payment when they have recieved the paymentI had to close that bank account just to stop racking up bank feesI cannot wait until my credit is better and I can refinance with a better companyPlease choose any other company, even if that means higher paymentsYou get what you pay for
Attempting to pay remaining balance of total loss vehicle and correct credit
I have tried calling several times to fix this issueOn September 19, I was involved in a "No-Fault" accident causing my car to be totaledI hired an attorney who advised they would be handling everything from insurance companies, hospitals, and car financeI received notice of late payment on my accountI then contact the attorneys to notify them that the insurance has yet to payMy insurance company then sent a $12,*** check to ExeterRemaining balance on the lien was $1,I have now been hit repeatedly on my credit report for late payments, and derogatory remarksI have been on hold now for minutes attempting to speak to "the correct" department about how to resolve this issue, how to pay, how to fix the repeated negative remarksI am trying everything I can to make this situation right and pay, however, they are making this extremely difficultI am not a bad customer who does not pay,
Wrongfully reposessed my car from repair shop before repairs were done for alleged "abandonment"and auctioned the car off
My car was hit in december outside of my house.The other persons insurance was willing to give me what my car was worth which was not enough to pay off my car note or help me into getting another car.I asked exeter if it was okay to have the car fixed instead stating times on the phone that it would have a rebuilt title.These calls are recorded and thats why I said this.This supervisor stated it was ok to do that and to have the insurance check sent to me instead of them.I had the car into the shop by january and it was going to be $72-to repair.Got a receipt stating this and how long it would take.Repair shop kept stating every time I called that it would be another "couple of weeks".That turned into months and when I called to check up the mechanic said my car had been reposessed.I was not notified by either party of this.Exeter claims he contact
Asking for paperwork for entire account from opening until now
I am asking for FCRA section 623, 604, 605, and proof of compliance as well as all documents for accountAll original paperwork from the beginning of this account until now
Exeter failed to issue a credit of $for product cancellation
Exeter finance was issued a product cancellation request on 08/27/from CarMax in the amount of $for a LoJack system that I never had installed on the vehicle I purchased on 06/28/from the dearlership Per CarMax a letter would be sent to my loan holder Exeter to have the product credited ($599.00) I called Exeter the 1st week of September regarding the process of this request They advised that they had yet to receive the document and check back againI called again on 9/25/and spoke with a manager regarding the product credit request I was advised by the manager that I'd have to send a letter in addition to the one CarMax sent regarding the product credit of $for a manager to review and processI sent said letter on 09/25/and was advised it was received on 09/30/and is being processed for review My fiance' and I called again on 10/26/when had yet to hear anything (call, lett
I financed my vehicle with Exeter Finance Corporation on 02/14/and the loan was paid in full 06/22/I requested a refund for my gap insurance which was prorated for the amount of $in July of 2015, it is 09/02/and I have still yet to receive it after countless hours and days on the phone with customer serviceEvery time I talk to Exeter I get the same response, "your check has been processed and approved for refund, we will be sending a check by mail for the amount of $and you should receive it within business days." Over a year later and still no refund check and when I talked to them today I got the same response from them, my address is correct in their system and there should be no reason as to why I have not received my money that is rightfully mineI have dealt with this too long and I believe their Company is a SCAM! If I was not to have paid my truck payment to them, my truck would have gone in for repossession but yet the company will not refun
I pulled my credit reports and this company is reporting past due payments days Car was repossessed in January
This complaint is against Exeter Finance Corporation August 2011, I purchased a Mazda from Ivory Chevrolet in Union City, GA Exeter Finance Corp were the financiers of my loan (August 2011) Due to unforeseen circumstances beyond my control, I was no longer able to make the payments and the vehicle as repossessed in January My credit reports are showing that I am currently days past due (TransUnion and Equifax); and $written off, $past due (Experian) In the past, I have been having trouble getting my credit reports to reflect that this was a repossession; because it is still showing as if I still have the vehicle after it was repossessed in January (over yrs ago)
After a total claim loss, this company rrefuses to finance me again when I did nmy part
my car was involved in a total loss on q11/30/During the time, I had full coveragr and gap coverageExeter was my lienholderMy insurancr carrier paid and my gap paid, leaving out of $14,000, a balance of $My original loan term was for years so this means I made good on their investment and they have gotten majoriry, over majority three years earlyI am currently without a vehicle and had a local dealer apply for them to finance me another car and they refusedI think this is disgraceful as I am a current consumerThey didnt refuse my insurance or gap moneyWhy am I going somewhere else when they are my current lienholderIve done my part and they should do theirs
Correct Reporting to Credit Agencies
Car note is paid in full and Exeter has failed to report "no balance due" to the credit agenciesI have notified Exeter multiple time and they have not done their part1st notification was in November Vehicle was paid off in October This added debt on my credit report is hurting my credit
I did not authorize the credit inquiry on 09/8/from this companyPlease remove it from my credit reports
I did not authorize the credit inquiry on 09/8/from this companyPlease remove it from my credit reports
Exeter owes refund since Dec Get run around every phone call with different story on statusMultilies on if check has been mailed
Vehicle (Honda CRV) paid in full to Exeter in November Exeter owes me an overage payment due back for $which they have not issued to meI also canceled my extended warranty and they received payment from CarMax on December 10th for the amount of $1201.51, which is also due refundI have contacted Exeter multiple time and am told a different story on when a refund will be issuedTo date the refund due back has extended beyond days for the warranty refund and almost days for the overageI have been told the refund has been mailed and also have been told it will be direct deposited, all of which have not happened to dateI have talked to multiple Exeter personnel and have gained no headwayI have contacted Exeter on average times a week since December 10th for resolution with each call lasting at least minRecently
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
Exeter has debited my bank account twice and charged a late fee to my account mistakenlyCopy of contract requested multiple times still not received
Exeter debited my account twice for the amount of $November 16, When I called Exeter, the rep advised the payment was mistakenly processed twiceI was refunded days laterIn early April of 2016, when arranging payment over the phone with an agent, he stated my payment was $When I asked why, he stated it was a late fee from the November 16th transactionHe stated there weren't enough funds in my bank accountI couldn't understand how when my payment(s) both were debited successfully with money to spare (I have my bank statements to prove it)I called requesting a supervisor, I literally had to explain the situation times to herThis was also my third time calling in to request a copy of my leasing contract (I've been requesting for over months)The supervisor did not seem to want to helpI was firm, but
I did a voluntary surrender on vehicle in February and no one has came to get car after several calls and I provided the information several times
I filed voluntary surrender around first week of FebruaryI called a few weeks after because I never received emaiSpoke to a few supervisors because I called several more times and they were entering in email address incorrectly but assured me it was corrected but still didn't get email so I could sign documenta for them to pickup carI called back and supervisors assured it was corrected and he would even send letter for me to sign and I gave him updated address and I never got the letterThis is affecting me credit score severely and I'm not able to get a new car because they can't do their part
unauthorized credit inquire
I recently discovered that your company ran an unauthorized credit inquires on me on the following date 5/30/I did not authorize such inquires and this constitutes a violation of my rights under the Fair Credit Reporting Act 604; as well as a violation of my rights to privacy and subjects you to a fineI'm demanding that you contact the following credit reporting agencies Transunion, Equifax, Experian immediately and have your inquires deleted from my credit fileAs you or company do not have any permissible purpose to pull my credit report as I didn't authorized itIf you find the inquires referenced above to be valid, please send me a description of the procedures used in your investigation and proof of authorization within business days of the completion of the investigation
Very predatory lendingExeter went into my bank account times in one month after I set up two paymentThey withdrew all payments and caused me to over draftI have yet to get a response for thisAlso, They seem to apply your entire payment directly to interest in the beginning of the loan, after nearly 11k paid I have had on 2K taken off my principle after months of paymentsThat makes it pretty hard to escape this company and find financing else where as my car depreciatesI will be seeking a new lender ASAP
This company is not very ethical and their customer service lacksI find it strange they have an A+ rating with so many negative reviews from consumers
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
Have been attempting to obtain a copy of the lien release on a vehicle paid of in February 2018,
In August of I purchased a new vehicle and intended to trade in my GMC Yukon Denali that was paid off in February of On August 28, I attempted to obtain a copy of the lien release for the GMC in order to obtain the Title for for vehicle so that it could be turned over to the dealership for trade inAfter making multiple attempts to have the lien release mailed and faxed without any resultsExteter Finance Corpreportedly mailed the lien release to my home three times and my work address one timeExeter finance also stated that they faxed a copy of the lien release to my work fax as well as my wife's fax machineI at no time received any of the letters or faxes sent via mail or faxI have dealt with Exeter Finance via telephone conversation numerous times and no serious attempt was made to resolve the issue other than wanting to send out more letters or faxesI h
This is by FAR the WORST company with which I've ever dealt When I purchased my vehicle in December of 2016, both my credit and my husband's credit were not great We settled for a loan with Exeter because we needed a vehicle despite many warnings that this company is horrible In January of 2018, I made my monthly payment early online Apparently, Exeter wiped the payment out of their system I had no idea that this happened UNTIL I paid my February payment (again, it was early) I gave them the benefit of the doubt and paid both January and February online Within a couple of weeks, I received a letter that our vehicle would be repossessed due to lack of payment I called Exeter, and they claimed to never have received a payment for January or February Not only did that further KILL my credit and my husband's credit, but we also received a late fee for over $ I made my payment for March a few days ago and realized today that it had been wiped out AGAIN I am in the process of trying to get it paid so I am not charged yet another late fee from them This company really seems like a scam to me They are in the business of preying on folks that have subpar credit by offering rates that are entirely too high, and then they pile enormous late fees on top of that I will NEVER do business with them again
I did not authorize anyone employed by your company to make an inquiry and view my credit report You have violated the Fair Credit Reporting Act
While checking my personal credit report, which I acquired from Experian, Equifax, Transunion, I noticed an inquiry made by your company
I did not authorize anyone employed by your company to make an inquiry and view my credit report You have violated the Fair Credit Reporting Act Section 1681b(c) You are not legally entitled to make the inquiry This is a serious breach of my privacy rights
I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five (5) business days so that I can verify its validity Mail it to the address listed above
Verification: Your claim must be verified to prove the validity, by presenting the alleged obligation under oath or notary seal, and signed by an Officer of CPS, under penalty of perjury as to accord with impartiality hon
This is the worse experience I have ever hadI have had this car loan for years nowThey make harrassing calls when days lateI had my bank information saved with their website so I can just log in and pay when it was due, big mistakeThey decided to take a payment from my account when I did not authorize it! They refunded it but not after causing me major problems with the bankI have since removed my info from their website and use Western Union Speed PayJust recently I mistakenly used the wrong bank account to make an one-time payment (since I now have to input my bank information everytime I want to make a payment) and of course it was returned (I know this was my fault)As soon as I realized my mistake I made the payment with the right bank accountExeter repeately continued to push payment thought to the wrong bank account even though they recieved my payment from the right accountCalled customer service twice, no one was any help, one agent left me on hold for min (probably hoping I would hang up)They did not understand my point that they should stop trying to take a payment when they have recieved the paymentI had to close that bank account just to stop racking up bank feesI cannot wait until my credit is better and I can refinance with a better companyPlease choose any other company, even if that means higher paymentsYou get what you pay for
Attempting to pay remaining balance of total loss vehicle and correct credit
I have tried calling several times to fix this issueOn September 19, I was involved in a "No-Fault" accident causing my car to be totaledI hired an attorney who advised they would be handling everything from insurance companies, hospitals, and car financeI received notice of late payment on my accountI then contact the attorneys to notify them that the insurance has yet to payMy insurance company then sent a $12,*** check to ExeterRemaining balance on the lien was $1,I have now been hit repeatedly on my credit report for late payments, and derogatory remarksI have been on hold now for minutes attempting to speak to "the correct" department about how to resolve this issue, how to pay, how to fix the repeated negative remarksI am trying everything I can to make this situation right and pay, however, they are making this extremely difficultI am not a bad customer who does not pay,
Wrongfully reposessed my car from repair shop before repairs were done for alleged "abandonment"and auctioned the car off
My car was hit in december outside of my house.The other persons insurance was willing to give me what my car was worth which was not enough to pay off my car note or help me into getting another car.I asked exeter if it was okay to have the car fixed instead stating times on the phone that it would have a rebuilt title.These calls are recorded and thats why I said this.This supervisor stated it was ok to do that and to have the insurance check sent to me instead of them.I had the car into the shop by january and it was going to be $72-to repair.Got a receipt stating this and how long it would take.Repair shop kept stating every time I called that it would be another "couple of weeks".That turned into months and when I called to check up the mechanic said my car had been reposessed.I was not notified by either party of this.Exeter claims he contact
Asking for paperwork for entire account from opening until now
I am asking for FCRA section 623, 604, 605, and proof of compliance as well as all documents for accountAll original paperwork from the beginning of this account until now
Exeter failed to issue a credit of $for product cancellation
Exeter finance was issued a product cancellation request on 08/27/from CarMax in the amount of $for a LoJack system that I never had installed on the vehicle I purchased on 06/28/from the dearlership Per CarMax a letter would be sent to my loan holder Exeter to have the product credited ($599.00) I called Exeter the 1st week of September regarding the process of this request They advised that they had yet to receive the document and check back againI called again on 9/25/and spoke with a manager regarding the product credit request I was advised by the manager that I'd have to send a letter in addition to the one CarMax sent regarding the product credit of $for a manager to review and processI sent said letter on 09/25/and was advised it was received on 09/30/and is being processed for review My fiance' and I called again on 10/26/when had yet to hear anything (call, lett
I financed my vehicle with Exeter Finance Corporation on 02/14/and the loan was paid in full 06/22/I requested a refund for my gap insurance which was prorated for the amount of $in July of 2015, it is 09/02/and I have still yet to receive it after countless hours and days on the phone with customer serviceEvery time I talk to Exeter I get the same response, "your check has been processed and approved for refund, we will be sending a check by mail for the amount of $and you should receive it within business days." Over a year later and still no refund check and when I talked to them today I got the same response from them, my address is correct in their system and there should be no reason as to why I have not received my money that is rightfully mineI have dealt with this too long and I believe their Company is a SCAM! If I was not to have paid my truck payment to them, my truck would have gone in for repossession but yet the company will not refun
I pulled my credit reports and this company is reporting past due payments days Car was repossessed in January
This complaint is against Exeter Finance Corporation August 2011, I purchased a Mazda from Ivory Chevrolet in Union City, GA Exeter Finance Corp were the financiers of my loan (August 2011) Due to unforeseen circumstances beyond my control, I was no longer able to make the payments and the vehicle as repossessed in January My credit reports are showing that I am currently days past due (TransUnion and Equifax); and $written off, $past due (Experian) In the past, I have been having trouble getting my credit reports to reflect that this was a repossession; because it is still showing as if I still have the vehicle after it was repossessed in January (over yrs ago)
After a total claim loss, this company rrefuses to finance me again when I did nmy part
my car was involved in a total loss on q11/30/During the time, I had full coveragr and gap coverageExeter was my lienholderMy insurancr carrier paid and my gap paid, leaving out of $14,000, a balance of $My original loan term was for years so this means I made good on their investment and they have gotten majoriry, over majority three years earlyI am currently without a vehicle and had a local dealer apply for them to finance me another car and they refusedI think this is disgraceful as I am a current consumerThey didnt refuse my insurance or gap moneyWhy am I going somewhere else when they are my current lienholderIve done my part and they should do theirs
Correct Reporting to Credit Agencies
Car note is paid in full and Exeter has failed to report "no balance due" to the credit agenciesI have notified Exeter multiple time and they have not done their part1st notification was in November Vehicle was paid off in October This added debt on my credit report is hurting my credit
I did not authorize the credit inquiry on 09/8/from this companyPlease remove it from my credit reports
I did not authorize the credit inquiry on 09/8/from this companyPlease remove it from my credit reports
Exeter owes refund since Dec Get run around every phone call with different story on statusMultilies on if check has been mailed
Vehicle (Honda CRV) paid in full to Exeter in November Exeter owes me an overage payment due back for $which they have not issued to meI also canceled my extended warranty and they received payment from CarMax on December 10th for the amount of $1201.51, which is also due refundI have contacted Exeter multiple time and am told a different story on when a refund will be issuedTo date the refund due back has extended beyond days for the warranty refund and almost days for the overageI have been told the refund has been mailed and also have been told it will be direct deposited, all of which have not happened to dateI have talked to multiple Exeter personnel and have gained no headwayI have contacted Exeter on average times a week since December 10th for resolution with each call lasting at least minRecently
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
Exeter has debited my bank account twice and charged a late fee to my account mistakenlyCopy of contract requested multiple times still not received
Exeter debited my account twice for the amount of $November 16, When I called Exeter, the rep advised the payment was mistakenly processed twiceI was refunded days laterIn early April of 2016, when arranging payment over the phone with an agent, he stated my payment was $When I asked why, he stated it was a late fee from the November 16th transactionHe stated there weren't enough funds in my bank accountI couldn't understand how when my payment(s) both were debited successfully with money to spare (I have my bank statements to prove it)I called requesting a supervisor, I literally had to explain the situation times to herThis was also my third time calling in to request a copy of my leasing contract (I've been requesting for over months)The supervisor did not seem to want to helpI was firm, but
I did a voluntary surrender on vehicle in February and no one has came to get car after several calls and I provided the information several times
I filed voluntary surrender around first week of FebruaryI called a few weeks after because I never received emaiSpoke to a few supervisors because I called several more times and they were entering in email address incorrectly but assured me it was corrected but still didn't get email so I could sign documenta for them to pickup carI called back and supervisors assured it was corrected and he would even send letter for me to sign and I gave him updated address and I never got the letterThis is affecting me credit score severely and I'm not able to get a new car because they can't do their part
unauthorized credit inquire
I recently discovered that your company ran an unauthorized credit inquires on me on the following date 5/30/I did not authorize such inquires and this constitutes a violation of my rights under the Fair Credit Reporting Act 604; as well as a violation of my rights to privacy and subjects you to a fineI'm demanding that you contact the following credit reporting agencies Transunion, Equifax, Experian immediately and have your inquires deleted from my credit fileAs you or company do not have any permissible purpose to pull my credit report as I didn't authorized itIf you find the inquires referenced above to be valid, please send me a description of the procedures used in your investigation and proof of authorization within business days of the completion of the investigation
Very predatory lendingExeter went into my bank account times in one month after I set up two paymentThey withdrew all payments and caused me to over draftI have yet to get a response for thisAlso, They seem to apply your entire payment directly to interest in the beginning of the loan, after nearly 11k paid I have had on 2K taken off my principle after months of paymentsThat makes it pretty hard to escape this company and find financing else where as my car depreciatesI will be seeking a new lender ASAP
This company is not very ethical and their customer service lacksI find it strange they have an A+ rating with so many negative reviews from consumers
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
Have been attempting to obtain a copy of the lien release on a vehicle paid of in February 2018,
In August of I purchased a new vehicle and intended to trade in my GMC Yukon Denali that was paid off in February of On August 28, I attempted to obtain a copy of the lien release for the GMC in order to obtain the Title for for vehicle so that it could be turned over to the dealership for trade inAfter making multiple attempts to have the lien release mailed and faxed without any resultsExteter Finance Corpreportedly mailed the lien release to my home three times and my work address one timeExeter finance also stated that they faxed a copy of the lien release to my work fax as well as my wife's fax machineI at no time received any of the letters or faxes sent via mail or faxI have dealt with Exeter Finance via telephone conversation numerous times and no serious attempt was made to resolve the issue other than wanting to send out more letters or faxesI h