negative impact on credit!
I sent a check payment to Exeter on July 12th because the payment was due the 15th (Sunday) I called around the 18th to check if they recit because I hadn't seen it leave my acctWas told to give it a few more days because of the distance, called the following Monday, still hadn'trecvditWas asked if I sent it to Dallas or Irving, I informed I sent it to Dallas, was told that Irving is the HQ and Dallas will probably send it to HQ in a few days, call back next weekCalled the following week and was told it still wasnt recvd, said I'll just cancel the check and pay by cc, was told to give it some timeI expressed concern about by credit being impacted but was told no such thing would happen because I had stayed in contact with them15th had come and finally canceled the check and paid by cc, was told I was all set except a late fee which I am still disputingFind out on 9/my transunion credit was impacted points and eqifax was impacted
Reposession
I recently had a cut back on hours at my job and I informed this to ExeterAnd they would not work with meI asked for an extension and a payment arrangementAlso asked for a defermentAnd they would not give that to me eitherTheir customer service reps and supervisors are very rude and obnoxiousI've never dealt with a loan company that doesn't want to work with their customersThey tack on a bunch of fees for no reasonA supervisor mentioned to me that after days they would come get the carIt's been daysOne rep told me that I can get a deferment after I make paymentsWhen I tried to get one after months, I was told I can't get it until after paymentsI was also told that I can have my payment date changed and when I tried to do that I was told my account has to be currentThis company does nothing but lie and they do not work with the customerThey need to be shut down
Auto loan payoff in Dec16, by March13,had not received Title for loan, have made 7-phone calls to trace Title or info?Service deptnot helpful
Auto purchased at Landers Mclarty Dodge in Huntsville, Al.(2-9-Called Exeter to get payoff and correct mailing address, paid off loan on XX-for $13,(gave all info with ck.), did receive a paid in full notice dated 1-19-17, by March after numerous calls and no auto title, finally got a live person on phone, no help, no customer service of how can we help you, etc
At that point, we only know that we will receive a loan payoff request for a new title request with the state of AlabamaCould not tell me how quickly we would receive? Were always more concerned with sending you to a different department, delaying help or assistance! Very difficult company to do business with unless they needed your help or money! Loan was under daughters name
Absolute WORSTReported late payments and I have never had a late paymentThey float money from one month to another month instead of applying overpayments to principalThey fee you to deathThey completely screwed my credit up and now I have to write to credit bureaus with proof from my bank statements to try to get it correctedThe phone representatives can't explain anything directly or clearlyDO NOT USE
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
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
this company knowingly put me in a loan I can only pay late
When I purchased the vehicle I was tild they payment would be due on the 27th of each monthI explained that they had seen my paycheck stubs and I was paid twice a monthThe 15thand the 30thThey explained oh Mr *** after you make the downpayment and start the loan we cannmove your dateYou have a one time moveI said that will be fineI started off late month because the person I spoke with said at least ine payment had to be madeSo I have fought the last three months to get a payment aheadLate the whole time paying intreat and fees from day Now they are saying they can only kove date to 10thThis actually makes me lter than the original date
Statement Reporting
I have made payments with them yet the statement I see online is not accurate to the payments I have made with themOn one month, I made a payment of $and on the statement they marked me down for $Where did the money go? The last month, I have made a payment of $each month yet the statement says I payed lessI have contacted them on this issue on separate occasions since November of and asked each occasion to MAIL me a statement of every single dollar I have gave themIt is now April and I have not received any sort of statement
Mid Sept I called Exeter to INQUIRY about extension options since I had to evacuate due to the HurricaneI needed/need assistance with my account
Mid Sept I called Exeter to INQUIRY about extension options since I had to evacuate due to the Hurricane Sept and it cost me more money than I anticipatedI was told my account was past due months which I already knewThe rep gave me my options said no modification were availableHowever she told me I could get a extension but after going over the details it became clear she was trying to get me to accept deferments (adding payments to the back end of the loan, extending my term of the loan, & leaving me with deferments left on a loan that I have years left to pay on!) However, I told her I DO NOT want to process deferments or extensions because they like to use those were interchangeableI was assured nothing would be processed on my accountLike stated before I was calling in to INQUIRY about my options! I said Oct I
$ was sent in to be applied to my principle loan balance ant these funds were mis applied on my account
I mailed in $to be applied to my principle balance on my account and I called several times and was told by a customer service Representative (CSR) that my funds were applied to principle and interest on my account I asked the CSR to reapply my payments to my Loan principle balance as requested and directed, and to supply me with an account ledger showing the corrections Several times my principle balance has not changed but increased on my statements The CSR stated that they could not supply me with anything in writing so I sent them a certified letter and Exeter has not responded
Exeter called an acquaintance of mine regarding my past due payments(I am perfectly aware that I am behind.) I never gave them permission to call this personnor did I provide this person's phone number to them When I called to ask them about this - they said that they use software to meddle into people's personal business to find out who I've had the most contact with since February
This is an invasion of privacy! I probably have grounds to sue over this and I do plan to look into it
Alsothey say that I did not make car payments for June or JulyThis is not trueMy financial institution sends payments to this lender for me and there was $paid in June and $paid in JulyI have recorded documentation of this
A payment will be made by the 19th of August
Product_Or_Service: Car
Account_Number:***
I recently received a copy of my credit reportThe credit report showed a credit inquiry by this company that I do not recall authorizing
I recently received a copy of my credit reportThe credit report showed a credit inquiry by this company that I do not recall authorizingI understand that they shouldn't be allowed to put an inquiry on my file unless I have authorized itPlease have this inquiry removed from my credit file because it is making it very difficult for me to acquire creditPlease consider this as notice as I need prompt response to this issueIf you find that I am remiss, and this company did have my direct authorization to inquire into my credit report, then please send me proof of this, if not consider this notice a demand that the inquiry be removed from my credit report within days or I will be pressed to take further action, including legal, to have my credit report repaired
Refund due
I financed my Nissan Rogue with Exeter Finance in November On April 2, 2016, I was involved in an accident that rendered my vehicle a total lossSubsequently, on April 13, 2016, a payoff check from the at-fault's driver insurance company, State Farm, was mailed to Exeter Finance.The check was in the amount of $11,368.75, which was the amount provided by a representative at ExeterWhen I purchased the Nissan Rogue, I purchased an extended warranty with the dealershipThe extended warranty was for years or 100,miles, whichever came firstAt the time of the total loss, I had only 76,miles on the vehilceAfter speaking with Carmax (dealsership) they advised that they would mail the refund check of $to Exeter and they (Exeter) would be responsible for refunding the amount to meI have made several phone calls to Exeter regarding the status of my refund amount of $(approximately) and I keep receiving erroneous information from the rep
Online site & call center site shows completely different payoff/payment information
I checked my online account to see what the payoff amount would be prior to taking a loan out & was given an amount that DID NOT include the interestI called to confirm this amount & see why the amounts were different & was told that their online site doesn't include interestThis is completely advertisement to their customers as we look at this & the statements that we receive in the mail to make arrangements to pay or payoff our loansThe website & the call center should have the same information on both sites as to cause little to no confusion to those wanting to pay off their loans earlyI will NEVER finance with this company EVER again & STRONGLY advise anyone seeking finance options to avoid using this company EVER
This account is not mine but is showing up on my Experian credit fileI want this account removed
An account from Exeter Finance showed up on my credit report since 2013, I have been disputing this account since day one of this being on my credit fileI have filed police reports, identity theft reports, called the company, everything I could think of in order to have this fraudulent account removed from my credit fileThis account is also associated with an address I have never lived atI don't know what else to doI have perfect creditThis account is literally the only bad thing on my credit file because I pay my accounts and pay my accounts on timeI have sent this company my police reports and report of identity theft multiple times, but they still refuse to remove this account from my credit fileThis company needs to remove this account from my Experian credit file ASAPI have the following account information, but this is from Experian, so my information *** be limite
Copy of Title to Register tags for Relocation state
I have a Ford Focus financed with ExeterI have moved to Washington from California in May I have been trying to get my car registered in the state of WashingtonI was told I need a copy of my car title from the company financing my carI contacted Exeter in June requesting it first via mailThey stated it would take 7-bus daysAfter that time was expired I called and they stated it was sentI never received itI called again to request it be faxedThey told me it would take 24-hrsI have called multiple times requesting my doc be faxed to meEvery tin I called about my doc they stated it was never sentThey are confirming everything correctly but it's not coming to me yetI called today because I am beyond fed up with not being able to drive my vehicle that I am making payments onThey are recently sending other documents that are not what I'm requesting but since they are mailing me documents to
extra money I have been paying to account never gets applied they say it is sitting in account Never lowering my amount
3/22/i paid extra to account and my balance is still the same this happened to me last year but now I need to do something because I work harbor my money and they say it is sitting in account but not applied Have never heard of such a thing
Exeter Finance withdrew a car payment in the amount of $four times in a time frame of weeks
In the Month of May, Exeter Finance submitted an unauthorized automated draft times in the amount of $(times) and once for $This did not include my regular paymentAfter speaking with a representative and explaining that I do not have any finance paperwork on my vehicle or never received a payment date, she agreed to send out documents and change my due date to June The next day another automated draft of $was taken out of my accountThis has put me in debt with bank fees and NSF funds for other bills that were scheduled to be draftedI submitted a bank statement as requested and was told on 06/06/that they received it but needed another copyWhen I asked why they said they could not read it but I'm curious how did they know it was from me if they could not read an official bank statement from the bank
negative impact on credit!
I sent a check payment to Exeter on July 12th because the payment was due the 15th (Sunday) I called around the 18th to check if they recit because I hadn't seen it leave my acctWas told to give it a few more days because of the distance, called the following Monday, still hadn'trecvditWas asked if I sent it to Dallas or Irving, I informed I sent it to Dallas, was told that Irving is the HQ and Dallas will probably send it to HQ in a few days, call back next weekCalled the following week and was told it still wasnt recvd, said I'll just cancel the check and pay by cc, was told to give it some timeI expressed concern about by credit being impacted but was told no such thing would happen because I had stayed in contact with them15th had come and finally canceled the check and paid by cc, was told I was all set except a late fee which I am still disputingFind out on 9/my transunion credit was impacted points and eqifax was impacted
Reposession
I recently had a cut back on hours at my job and I informed this to ExeterAnd they would not work with meI asked for an extension and a payment arrangementAlso asked for a defermentAnd they would not give that to me eitherTheir customer service reps and supervisors are very rude and obnoxiousI've never dealt with a loan company that doesn't want to work with their customersThey tack on a bunch of fees for no reasonA supervisor mentioned to me that after days they would come get the carIt's been daysOne rep told me that I can get a deferment after I make paymentsWhen I tried to get one after months, I was told I can't get it until after paymentsI was also told that I can have my payment date changed and when I tried to do that I was told my account has to be currentThis company does nothing but lie and they do not work with the customerThey need to be shut down
Auto loan payoff in Dec16, by March13,had not received Title for loan, have made 7-phone calls to trace Title or info?Service deptnot helpful
Auto purchased at Landers Mclarty Dodge in Huntsville, Al.(2-9-Called Exeter to get payoff and correct mailing address, paid off loan on XX-for $13,(gave all info with ck.), did receive a paid in full notice dated 1-19-17, by March after numerous calls and no auto title, finally got a live person on phone, no help, no customer service of how can we help you, etc
At that point, we only know that we will receive a loan payoff request for a new title request with the state of AlabamaCould not tell me how quickly we would receive? Were always more concerned with sending you to a different department, delaying help or assistance! Very difficult company to do business with unless they needed your help or money! Loan was under daughters name
Absolute WORSTReported late payments and I have never had a late paymentThey float money from one month to another month instead of applying overpayments to principalThey fee you to deathThey completely screwed my credit up and now I have to write to credit bureaus with proof from my bank statements to try to get it correctedThe phone representatives can't explain anything directly or clearlyDO NOT USE
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
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
this company knowingly put me in a loan I can only pay late
When I purchased the vehicle I was tild they payment would be due on the 27th of each monthI explained that they had seen my paycheck stubs and I was paid twice a monthThe 15thand the 30thThey explained oh Mr *** after you make the downpayment and start the loan we cannmove your dateYou have a one time moveI said that will be fineI started off late month because the person I spoke with said at least ine payment had to be madeSo I have fought the last three months to get a payment aheadLate the whole time paying intreat and fees from day Now they are saying they can only kove date to 10thThis actually makes me lter than the original date
identity theft and fraud
identity theft and fraud
I called in November to CHG my car pymt told it was changedIt never wasSW Russell who was rude and belittled meHe hung up on meCust SVC is key
XXXXXXX
Statement Reporting
I have made payments with them yet the statement I see online is not accurate to the payments I have made with themOn one month, I made a payment of $and on the statement they marked me down for $Where did the money go? The last month, I have made a payment of $each month yet the statement says I payed lessI have contacted them on this issue on separate occasions since November of and asked each occasion to MAIL me a statement of every single dollar I have gave themIt is now April and I have not received any sort of statement
Mid Sept I called Exeter to INQUIRY about extension options since I had to evacuate due to the HurricaneI needed/need assistance with my account
Mid Sept I called Exeter to INQUIRY about extension options since I had to evacuate due to the Hurricane Sept and it cost me more money than I anticipatedI was told my account was past due months which I already knewThe rep gave me my options said no modification were availableHowever she told me I could get a extension but after going over the details it became clear she was trying to get me to accept deferments (adding payments to the back end of the loan, extending my term of the loan, & leaving me with deferments left on a loan that I have years left to pay on!) However, I told her I DO NOT want to process deferments or extensions because they like to use those were interchangeableI was assured nothing would be processed on my accountLike stated before I was calling in to INQUIRY about my options! I said Oct I
$ was sent in to be applied to my principle loan balance ant these funds were mis applied on my account
I mailed in $to be applied to my principle balance on my account and I called several times and was told by a customer service Representative (CSR) that my funds were applied to principle and interest on my account I asked the CSR to reapply my payments to my Loan principle balance as requested and directed, and to supply me with an account ledger showing the corrections Several times my principle balance has not changed but increased on my statements The CSR stated that they could not supply me with anything in writing so I sent them a certified letter and Exeter has not responded
Exeter called an acquaintance of mine regarding my past due payments(I am perfectly aware that I am behind.) I never gave them permission to call this personnor did I provide this person's phone number to them When I called to ask them about this - they said that they use software to meddle into people's personal business to find out who I've had the most contact with since February
This is an invasion of privacy! I probably have grounds to sue over this and I do plan to look into it
Alsothey say that I did not make car payments for June or JulyThis is not trueMy financial institution sends payments to this lender for me and there was $paid in June and $paid in JulyI have recorded documentation of this
A payment will be made by the 19th of August
Product_Or_Service: Car
Account_Number:***
I recently received a copy of my credit reportThe credit report showed a credit inquiry by this company that I do not recall authorizing
I recently received a copy of my credit reportThe credit report showed a credit inquiry by this company that I do not recall authorizingI understand that they shouldn't be allowed to put an inquiry on my file unless I have authorized itPlease have this inquiry removed from my credit file because it is making it very difficult for me to acquire creditPlease consider this as notice as I need prompt response to this issueIf you find that I am remiss, and this company did have my direct authorization to inquire into my credit report, then please send me proof of this, if not consider this notice a demand that the inquiry be removed from my credit report within days or I will be pressed to take further action, including legal, to have my credit report repaired
Refund due
I financed my Nissan Rogue with Exeter Finance in November On April 2, 2016, I was involved in an accident that rendered my vehicle a total lossSubsequently, on April 13, 2016, a payoff check from the at-fault's driver insurance company, State Farm, was mailed to Exeter Finance.The check was in the amount of $11,368.75, which was the amount provided by a representative at ExeterWhen I purchased the Nissan Rogue, I purchased an extended warranty with the dealershipThe extended warranty was for years or 100,miles, whichever came firstAt the time of the total loss, I had only 76,miles on the vehilceAfter speaking with Carmax (dealsership) they advised that they would mail the refund check of $to Exeter and they (Exeter) would be responsible for refunding the amount to meI have made several phone calls to Exeter regarding the status of my refund amount of $(approximately) and I keep receiving erroneous information from the rep
Online site & call center site shows completely different payoff/payment information
I checked my online account to see what the payoff amount would be prior to taking a loan out & was given an amount that DID NOT include the interestI called to confirm this amount & see why the amounts were different & was told that their online site doesn't include interestThis is completely advertisement to their customers as we look at this & the statements that we receive in the mail to make arrangements to pay or payoff our loansThe website & the call center should have the same information on both sites as to cause little to no confusion to those wanting to pay off their loans earlyI will NEVER finance with this company EVER again & STRONGLY advise anyone seeking finance options to avoid using this company EVER
This account is not mine but is showing up on my Experian credit fileI want this account removed
An account from Exeter Finance showed up on my credit report since 2013, I have been disputing this account since day one of this being on my credit fileI have filed police reports, identity theft reports, called the company, everything I could think of in order to have this fraudulent account removed from my credit fileThis account is also associated with an address I have never lived atI don't know what else to doI have perfect creditThis account is literally the only bad thing on my credit file because I pay my accounts and pay my accounts on timeI have sent this company my police reports and report of identity theft multiple times, but they still refuse to remove this account from my credit fileThis company needs to remove this account from my Experian credit file ASAPI have the following account information, but this is from Experian, so my information *** be limite
Copy of Title to Register tags for Relocation state
I have a Ford Focus financed with ExeterI have moved to Washington from California in May I have been trying to get my car registered in the state of WashingtonI was told I need a copy of my car title from the company financing my carI contacted Exeter in June requesting it first via mailThey stated it would take 7-bus daysAfter that time was expired I called and they stated it was sentI never received itI called again to request it be faxedThey told me it would take 24-hrsI have called multiple times requesting my doc be faxed to meEvery tin I called about my doc they stated it was never sentThey are confirming everything correctly but it's not coming to me yetI called today because I am beyond fed up with not being able to drive my vehicle that I am making payments onThey are recently sending other documents that are not what I'm requesting but since they are mailing me documents to
extra money I have been paying to account never gets applied they say it is sitting in account Never lowering my amount
3/22/i paid extra to account and my balance is still the same this happened to me last year but now I need to do something because I work harbor my money and they say it is sitting in account but not applied Have never heard of such a thing
Exeter Finance withdrew a car payment in the amount of $four times in a time frame of weeks
In the Month of May, Exeter Finance submitted an unauthorized automated draft times in the amount of $(times) and once for $This did not include my regular paymentAfter speaking with a representative and explaining that I do not have any finance paperwork on my vehicle or never received a payment date, she agreed to send out documents and change my due date to June The next day another automated draft of $was taken out of my accountThis has put me in debt with bank fees and NSF funds for other bills that were scheduled to be draftedI submitted a bank statement as requested and was told on 06/06/that they received it but needed another copyWhen I asked why they said they could not read it but I'm curious how did they know it was from me if they could not read an official bank statement from the bank