derogatory late payment reports to credit bureau
I have paid this company on time each monthMy car was totaled and due to a mix up on my insurance's part, they received the payments many months laterThe car was completely covered and I eventually received a refund of almost $4,but not after many frustrating phone callsI also received many threatening letters from the company indicating that I owed them almost $4,and that my account was anywhere from days past due to days past due depending on the letter which seemed to come at random times with random datesThis has been a very frustrating experience and I hope this warns any other consumer from being a victim of this companyI have disputed these claims on all three credit reports and I won't stop until I have justiceThe whole point of paying such high interest was to help my credit - not destroy itThese guys are monsters who prey on consumersBuyer beware
This company is reporting inaccurate information on my credit report and refuses to correct it
IN february I saw my credit and realized that Exeter had posted my final payment as late with Experian and TransunionI disputed the account with the credit bureausExperian returned with an update stating the account had been correctedIt now shows as paid/never lateTransUnion is still showing my final payment was lateI have since disputed this account more times with the bureaus and have even brought it to the attention of Exeter on 12/and 1/25/but they have not corrected itIN fact, TransUnion states that Exeter has verified it as accurateso Exeter has offically verified that I am late with TransUnion and never late with ExperianThis is a clear violation of the Fair Credit Reporting Act
My first car payment was due Dec.19,for due every 19th of each monthI only paid in Dec,2015.I noticed my car was repossessed on Feb 12th, I called Exeter to get the information I needed to get my car back they said I had to do a money gram of eight hundred sixteen dollars and call back with the reference numberso the same day FebI went and paid what they told me to pay but by the time everything had cleared The people who towed the car were closed so I had to wait until Monday Feb.15,to pickup my car (towing fees from the receipt they gave me was around 185, I have that receipt just not in front of me now) after getting my car Exeter told me I still had a payment due on Febfor I told them that I would not be able to pay until Febbecause I had just paid the 816.00,so it made me question what the had covered since I still had a payment due in Feb and I asked why was my car towed if I had only missed one full payment and it had not ev
Back in August we were informed to make a split payment agreement which would not affect our credit They have marked a neg item on our credit
Back in August of we contacted Exeter due to some payment constraints and the rep informed up to make a split payment arrangement that would not affect our credit report as long as we kept the arrangement We did our part and kept the arrangement but shortly after the payment was made they sent a late payment notice to the credit bureaus which affected our credit negatively Since then we have been in contact with Exeter and have been told multiple times but multiple reps that they would be updating our credit report and getting this corrected as they had agreed to remove the late payment notice on the account We were also affected by Hurricane Irma which caused a change to our account I spoke to a Janelle who informed me there were notes in the system that sated they would be sending an update to get our credit reports adjusted T
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
Today is April 20,I called exeter to make a monthly payment for March 26,I've contact the Revdex.com once on this matter regarding payment from October not being postedI just received as of last week April 14, Currently am contacting because my car has been charged off at only days past dueNever had this occurred and why is there a sudden change in processesLast payment made was for February to avoid my payments not being applied and knowledge that I would IN FACT receive the from October backI've called three times and no one can answer my question I don't have any information in my documents from where I purchased my car and exeter as a lien holder ability to charge off the car only after daysIf I would have made payment today as intended the late amount would be $to be paid April then making the account one day late per scheduled monthly payments being due on the 26th of the monthThis is extremely frustrating as once again it
Exeter Finance company mishandled the payoff of my auto loan causing a day late *** on my credit report
This complaint is regarding the payoff of Exeter account number XXXXXXX for a Dodge Grand Caravan
On January 18, 2017, I was approved for an auto loan refinance through Truliant Federal Credit Union My loan officer, *** *** confirmed with me on 1/23/that the payoff (check XXXXXX, issued 1/21/17, in the amount of $17,754.51) was sent to Exeter on 1/(Saturday delivery) After allowing time for processing and posting, I became concerned when the loan amount did not show satisfied I contacted Reyna with Truliant on 2/2/and she told me that per her conversation with Exeter (which was also recorded by her), the check was not received by Exeter, and a new check with a new payoff date had to be received She proceeded with a stop and reissue of the above mentioned check I spoke with Exeter prior to speaking with *** *** and they told me the chec
Being contacted by the company before I should and late fees being added that shouldn't be
My loan contract for this company tells me that I am late every month days after my car note is dueThe contract that I signed in the dealership tells me that I allowed a day grace period before any late fees are addedNot only that but if they call and I dont answer they call right back againI feel like I am being harassed and I shouldn't beIf I am allowed a day grace period why am I being charged a late fee before the daysI shouldn't be contacted by anyone from the company until my payment is considered late
Purchased vehicle *** 19, Loan was $14,April 10, vehicle was totaledAfter paying years was told I still owed over 11k
Purchased vehicle *** 19, Loan was $14,April 10, vehicle was totaledAfter paying years was told I still owed over 11k
After making years of payments on a Chevy Malibu, only 3k of the balance was paid off? How can this happen? My payments were over $a month so I paid over 15k in the years I paid themAccording to my amortization table, making payments that I made would result in a remaining balance of about $7,not $11, Also the insurance company paid them off for the totaled vehicle but they claim I still owe them $I do not feel this is correct and request a full breakdown of payments and how they were appliedAlso, the insurance company should have paid them the full amount so this company is cheating me and my insurance 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
Report day delinquency on my credit report for a fee after receiving on time payments for years
In February I made partial payment on my car note due to being out of work on short term disability I contacted Exeter to let them know and they said ok just be sure you make up paymentI use third party company to pay my bill who automatically debit my checking account every weeks for $For a total car payment of $a monthI contacted exter and smart payment plan simultaneously to resolve remaining balance in MayThe payment was settled in JuneOver the next months I check my credit and everything is goodMy credit score finally moves in a positive directionI contacted Exeter in November and they tell me I am days late on a paymentHow is this possible if my account is debited every month for $The lady on the phone starts talking about the partial payment that was received back in February and then the remaining payment made in JuneWhy am I still d
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
Wrong payment amount applied & reversed off accountCharged $in feesCharges on not reflected on online account or billing statement
I made two large sum payments $(Past Due) and $in Feb 2018.My truck was repossed on Feb due to the past due amount of $I made a debit payment that same day of $Exeter finances reversed the $1500.00.(Have no idea why) And posted a payment of $and $.I have contacted and fax documentation stating the $payment was deducted out of my accountEach billing statement I received shows at $15.00-$late feeExeter is charging me $in late fees when I'm not even lateThe reps stated for a customer to be aware of any fees are assessed to the account, he or she must contact them directlyThe monthly billing statement mailed each month will not have any fees associated to the accountI have stated numerous times the rep the originally contacted me regarding my repo stated a payment of $(mo
week run around to get title back to AZ to re-register vehicle, still do not have title in AZ from this company after being told it'd be 48-hours
Vehicle was repo'd We got vehicle back on 5/4, was told by exeter it'd be 48-hours to get title back to AZ to put back in our name to re-register the van weeks later and different excuses each call made to exeter, I was told it was on way to AZ yet AZ motor vehicle division does not have the title as of today 6/ This is unacceptable as they want payment for a vehicle we cannot drive due to them not sending the title as was informed on May 18th
No transparency regarding billing
I have contacted Exeter Finance three times asking for a simple ledger of fee's, interest and payments made on our accountEach time the only response I receive is 'Please call us at ###-###-###'I specifically asked for a printout or some form of statement regarding our account and the only response is still 'Please call...'I do not want or need to talk to someone when I would like to simply read a paper or an email with my account information requestedA lack of transparency *** indicate a shady business practice
week run around to get title back to AZ to re-register vehicle, still do not have title in AZ from this company after being told it'd be 48-hours
Vehicle was repo'd We got vehicle back on 5/4, was told by exeter it'd be 48-hours to get title back to AZ to put back in our name to re-register the van weeks later and different excuses each call made to exeter, I was told it was on way to AZ yet AZ motor vehicle division does not have the title as of today 6/ This is unacceptable as they want payment for a vehicle we cannot drive due to them not sending the title as was informed on May 18th
I purchased a vechicle in and was provided a loanI was contacted weeks after purchase that the loan was deniedI paid for my vehicle
I purchased a vechicle in and was provided a loanI was contacted weeks after purchase that the loan was deniedI paid for my vehicleI am selling my truck and went to get my tile and your company is listed on my titleYOU DID NOT GIVE ME A LOANCALLED YOUR BUSINESS AND WAS TOLD WAS NOT SURE WHAT NEEDED TO BE DONETHIS NEEDS TO RESOLVED ASAP
I have contacted Customer Service and spoke with several different reps & Managers requesting to waive late fees & changing of my payment due date
I have contacted customer service so many timesI have ask them why was I approved when they sent me a letter on 5/19/that they where unable to approve meI have also asked them if they could they waiver my late fees so I can catch up with the payment due to the fact that my disability check arrives on the 3rd of each monthEverything I have said and asked for is on recordingNumerous times spoke with a Manager requesting to have my due date changed to the same date my disability check is deposited so I won't have late fees & one Manager told a customer service rep that when I paid the past due amount that all late fees would be waived I have proof of all papers and will be glad to discuss in full detail over the phone
I have pulled my credit and my husands, I have noticed on my husands credit, they have the car as paid in full via bankruptcy, however, they have on my credit past due $+ days The car was in my husbands name and he had to file bankruptcy due to fraud, ID theft, on his creditIf it is showing paid via bankruptcy on my husbands credit where as it is literally in his name, than they do not have any rights to try and put the bill off on me now According with our attorney they cannot do thisI want this taken off of my credit and for us to get this resolved If this is resolved, paid via bankruptcy on my husbands side, why are they bothering me?
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
derogatory late payment reports to credit bureau
I have paid this company on time each monthMy car was totaled and due to a mix up on my insurance's part, they received the payments many months laterThe car was completely covered and I eventually received a refund of almost $4,but not after many frustrating phone callsI also received many threatening letters from the company indicating that I owed them almost $4,and that my account was anywhere from days past due to days past due depending on the letter which seemed to come at random times with random datesThis has been a very frustrating experience and I hope this warns any other consumer from being a victim of this companyI have disputed these claims on all three credit reports and I won't stop until I have justiceThe whole point of paying such high interest was to help my credit - not destroy itThese guys are monsters who prey on consumersBuyer beware
This company is reporting inaccurate information on my credit report and refuses to correct it
IN february I saw my credit and realized that Exeter had posted my final payment as late with Experian and TransunionI disputed the account with the credit bureausExperian returned with an update stating the account had been correctedIt now shows as paid/never lateTransUnion is still showing my final payment was lateI have since disputed this account more times with the bureaus and have even brought it to the attention of Exeter on 12/and 1/25/but they have not corrected itIN fact, TransUnion states that Exeter has verified it as accurateso Exeter has offically verified that I am late with TransUnion and never late with ExperianThis is a clear violation of the Fair Credit Reporting Act
My first car payment was due Dec.19,for due every 19th of each monthI only paid in Dec,2015.I noticed my car was repossessed on Feb 12th, I called Exeter to get the information I needed to get my car back they said I had to do a money gram of eight hundred sixteen dollars and call back with the reference numberso the same day FebI went and paid what they told me to pay but by the time everything had cleared The people who towed the car were closed so I had to wait until Monday Feb.15,to pickup my car (towing fees from the receipt they gave me was around 185, I have that receipt just not in front of me now) after getting my car Exeter told me I still had a payment due on Febfor I told them that I would not be able to pay until Febbecause I had just paid the 816.00,so it made me question what the had covered since I still had a payment due in Feb and I asked why was my car towed if I had only missed one full payment and it had not ev
Back in August we were informed to make a split payment agreement which would not affect our credit They have marked a neg item on our credit
Back in August of we contacted Exeter due to some payment constraints and the rep informed up to make a split payment arrangement that would not affect our credit report as long as we kept the arrangement We did our part and kept the arrangement but shortly after the payment was made they sent a late payment notice to the credit bureaus which affected our credit negatively Since then we have been in contact with Exeter and have been told multiple times but multiple reps that they would be updating our credit report and getting this corrected as they had agreed to remove the late payment notice on the account We were also affected by Hurricane Irma which caused a change to our account I spoke to a Janelle who informed me there were notes in the system that sated they would be sending an update to get our credit reports adjusted T
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
Today is April 20,I called exeter to make a monthly payment for March 26,I've contact the Revdex.com once on this matter regarding payment from October not being postedI just received as of last week April 14, Currently am contacting because my car has been charged off at only days past dueNever had this occurred and why is there a sudden change in processesLast payment made was for February to avoid my payments not being applied and knowledge that I would IN FACT receive the from October backI've called three times and no one can answer my question I don't have any information in my documents from where I purchased my car and exeter as a lien holder ability to charge off the car only after daysIf I would have made payment today as intended the late amount would be $to be paid April then making the account one day late per scheduled monthly payments being due on the 26th of the monthThis is extremely frustrating as once again it
Exeter Finance company mishandled the payoff of my auto loan causing a day late *** on my credit report
This complaint is regarding the payoff of Exeter account number XXXXXXX for a Dodge Grand Caravan
On January 18, 2017, I was approved for an auto loan refinance through Truliant Federal Credit Union My loan officer, *** *** confirmed with me on 1/23/that the payoff (check XXXXXX, issued 1/21/17, in the amount of $17,754.51) was sent to Exeter on 1/(Saturday delivery) After allowing time for processing and posting, I became concerned when the loan amount did not show satisfied I contacted Reyna with Truliant on 2/2/and she told me that per her conversation with Exeter (which was also recorded by her), the check was not received by Exeter, and a new check with a new payoff date had to be received She proceeded with a stop and reissue of the above mentioned check I spoke with Exeter prior to speaking with *** *** and they told me the chec
Being contacted by the company before I should and late fees being added that shouldn't be
My loan contract for this company tells me that I am late every month days after my car note is dueThe contract that I signed in the dealership tells me that I allowed a day grace period before any late fees are addedNot only that but if they call and I dont answer they call right back againI feel like I am being harassed and I shouldn't beIf I am allowed a day grace period why am I being charged a late fee before the daysI shouldn't be contacted by anyone from the company until my payment is considered late
Purchased vehicle *** 19, Loan was $14,April 10, vehicle was totaledAfter paying years was told I still owed over 11k
Purchased vehicle *** 19, Loan was $14,April 10, vehicle was totaledAfter paying years was told I still owed over 11k
After making years of payments on a Chevy Malibu, only 3k of the balance was paid off? How can this happen? My payments were over $a month so I paid over 15k in the years I paid themAccording to my amortization table, making payments that I made would result in a remaining balance of about $7,not $11, Also the insurance company paid them off for the totaled vehicle but they claim I still owe them $I do not feel this is correct and request a full breakdown of payments and how they were appliedAlso, the insurance company should have paid them the full amount so this company is cheating me and my insurance 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
Report day delinquency on my credit report for a fee after receiving on time payments for years
In February I made partial payment on my car note due to being out of work on short term disability I contacted Exeter to let them know and they said ok just be sure you make up paymentI use third party company to pay my bill who automatically debit my checking account every weeks for $For a total car payment of $a monthI contacted exter and smart payment plan simultaneously to resolve remaining balance in MayThe payment was settled in JuneOver the next months I check my credit and everything is goodMy credit score finally moves in a positive directionI contacted Exeter in November and they tell me I am days late on a paymentHow is this possible if my account is debited every month for $The lady on the phone starts talking about the partial payment that was received back in February and then the remaining payment made in JuneWhy am I still d
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
Wrong payment amount applied & reversed off accountCharged $in feesCharges on not reflected on online account or billing statement
I made two large sum payments $(Past Due) and $in Feb 2018.My truck was repossed on Feb due to the past due amount of $I made a debit payment that same day of $Exeter finances reversed the $1500.00.(Have no idea why) And posted a payment of $and $.I have contacted and fax documentation stating the $payment was deducted out of my accountEach billing statement I received shows at $15.00-$late feeExeter is charging me $in late fees when I'm not even lateThe reps stated for a customer to be aware of any fees are assessed to the account, he or she must contact them directlyThe monthly billing statement mailed each month will not have any fees associated to the accountI have stated numerous times the rep the originally contacted me regarding my repo stated a payment of $(mo
week run around to get title back to AZ to re-register vehicle, still do not have title in AZ from this company after being told it'd be 48-hours
Vehicle was repo'd We got vehicle back on 5/4, was told by exeter it'd be 48-hours to get title back to AZ to put back in our name to re-register the van weeks later and different excuses each call made to exeter, I was told it was on way to AZ yet AZ motor vehicle division does not have the title as of today 6/ This is unacceptable as they want payment for a vehicle we cannot drive due to them not sending the title as was informed on May 18th
No transparency regarding billing
I have contacted Exeter Finance three times asking for a simple ledger of fee's, interest and payments made on our accountEach time the only response I receive is 'Please call us at ###-###-###'I specifically asked for a printout or some form of statement regarding our account and the only response is still 'Please call...'I do not want or need to talk to someone when I would like to simply read a paper or an email with my account information requestedA lack of transparency *** indicate a shady business practice
week run around to get title back to AZ to re-register vehicle, still do not have title in AZ from this company after being told it'd be 48-hours
Vehicle was repo'd We got vehicle back on 5/4, was told by exeter it'd be 48-hours to get title back to AZ to put back in our name to re-register the van weeks later and different excuses each call made to exeter, I was told it was on way to AZ yet AZ motor vehicle division does not have the title as of today 6/ This is unacceptable as they want payment for a vehicle we cannot drive due to them not sending the title as was informed on May 18th
I purchased a vechicle in and was provided a loanI was contacted weeks after purchase that the loan was deniedI paid for my vehicle
I purchased a vechicle in and was provided a loanI was contacted weeks after purchase that the loan was deniedI paid for my vehicleI am selling my truck and went to get my tile and your company is listed on my titleYOU DID NOT GIVE ME A LOANCALLED YOUR BUSINESS AND WAS TOLD WAS NOT SURE WHAT NEEDED TO BE DONETHIS NEEDS TO RESOLVED ASAP
I have contacted Customer Service and spoke with several different reps & Managers requesting to waive late fees & changing of my payment due date
I have contacted customer service so many timesI have ask them why was I approved when they sent me a letter on 5/19/that they where unable to approve meI have also asked them if they could they waiver my late fees so I can catch up with the payment due to the fact that my disability check arrives on the 3rd of each monthEverything I have said and asked for is on recordingNumerous times spoke with a Manager requesting to have my due date changed to the same date my disability check is deposited so I won't have late fees & one Manager told a customer service rep that when I paid the past due amount that all late fees would be waived I have proof of all papers and will be glad to discuss in full detail over the phone
I have pulled my credit and my husands, I have noticed on my husands credit, they have the car as paid in full via bankruptcy, however, they have on my credit past due $+ days The car was in my husbands name and he had to file bankruptcy due to fraud, ID theft, on his creditIf it is showing paid via bankruptcy on my husbands credit where as it is literally in his name, than they do not have any rights to try and put the bill off on me now According with our attorney they cannot do thisI want this taken off of my credit and for us to get this resolved If this is resolved, paid via bankruptcy on my husbands side, why are they bothering me?
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