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Interiors by Joann, LLC

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Reviews Interiors by Joann, LLC

Interiors by Joann, LLC Reviews (840)

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

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:***

Double took a car paymentI called spoke to supFxd bank statement no refund yet,bank act neg &now I have bounce fees& I had to pay $fax stmnt
I faxed my bank statement showing double charge spoke to several people rude, not helpful just keep saying sorryI am out my money they double took now I have insufficient bank fees $a piece and I had to pay $to fax my bank statement when they clearly see they double chargedWhy do I have to fight and pay more for my money they double took!

identity theft and fraud
identity theft and fraud

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

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

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

I am trying to reach someone in the corporate office to go over my account
I have trying for months to get in touch with someone who can handle financing for ExeterI have been trying to work out payments due to being sold a car which is basically a lemonI was given a half car fax and the car is damaged and needs a $transmissionAnd I have barely had the car a little over a yearI have been trying to work with Exeter reps to to resolve this issue to no avail

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

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

Having issues with the billing department regarding deferment request
I have had hospital issues where I was in ICU I have attempted to work with the company and was told that deferment was approved then told something different by another rep no one seems to know what is going on

Exeter finance has been cutting the payment of my Car through my Pay check every weeki have prof that I made paymentsthey took my Car I need help
I drive for Uber, So Uber had a program that you can finance the car through Exeter finance and Uber will cut your payment through your weekly ChecksExeter finance has been taking the money from my pay check every weekone night the Repo man showed up and took my Carwhen I went to Uber office, Uber said here is payment prof and send it to Exeter financeI email all the payment documents to Exeter finance its been months nowEvery time I call Exeter finance they Ignore me for min and then comes back to tell me please call tomorrow, or our manager is on a break or our dispute center is close
I am really stress because of Exeter finance I have lost all my Limo Clients and have lost a lot Money which I calculate to be more than $
But I have call Exeter finance today they said they will release my Car after months w

I do owe the company but we agree on amount they are aware I'm going thru a divorce my money is tight and I'm single mom tooThey are trying to repo
I need my car to get to work everyday
I do owe the payments but we have been talking about a payment plan I'm going thru a divorce I am paying all the bills with children
they are trying to repo me I need you to contact them to tell them I am being fair I need help I'm struggling big timeI NEED A PAYMENT PLAN ASASP I BEEN ASKING THAT SINCE DAY ONE I HAD MY CAR FOR YRS PLEASE HELP ME

Reported Identity Theft to Exeter Finance and they stated that they did not have a Fraud DepartmentI am trying to get removed from credit history
I contacted Exeter Finance several occasions (February 7, 2016; March 8,2016; *** 15, 2016; August 7, 2016; September 29, 2016; February 27,2017; June 2,2017) to speak with the fraud departmentI was told that I would have to provide my social security number over the phone to be assistedI refused each time and asked to speak with the fraud department and was deniedI asked for a telephone number to that departmentI also asked for someone in that department to email me or call me directlyI asked for an email address to email someone and was deniedI'm not sure what type of practices this business does but this makes no sense that I can contactsomeone to have this looked into and removedI have already put in a complaint with FTC and now with Revdex.comIf this not removed or if I am not contacted with in hours I will be filing a

Vehicle was traded in and payoff was sent to company Since then payments have come out of my account and I get the run around about a refund
Traded our vehicle in on July 31, Exeter received the payoff from dealership on Aug5, Since then payments totaling $have been taken from our account I have been told twice that the auto payments have been canceled and I have faxed my bank statement to them twice as well This has been going on for about a month now and every time I call them I get a different answer about when I will get a refundI have been told it would take as little as hours and another time I was told days! I have yet to receive any form of refund even though I have been told that some of it has been approved for a refund The first bank statement was faxed over weeks ago and the second statement days ago We have a new vehicle payment that we have been unable to pay since Exeter continues to take out money and we haven't recei

Candice, a collections manager that works out of Irving, *** fraudulently added over $dollars to my account, she changed the rating of my vehicle from great to poor, and this was all because I told her I'm looking to re-finance my vehicleNow when finance officers review my account (which Ive paid on time every month) it says my car isn't in good shape and that I'm not paying payments on timeI contacted Exeter and they stated that there is no way she can make these changesHowever, the changes occurred on the same exact day that I spoke with Candice (employee number: CLC) and the notations were issued by Exeter financeHMMMShe did not notate the account of any adjustments within her office, only mentioned that I was looking to re-finance with someone elseNeedless to say, If this isn't corrected I will be looking for an attorneyThis woman fraudulently made changed to the status of my vehicle so I wouldn't have the opportunity to re-finance and switch to a company that treats their customers with respectThis woman does not know me and I was on time for every paymentI don't understand how this type of business practice is considered legalSomeone that has done nothing wrong to this woman has now been hit hard on my credit as it has decreased POINTS!! This company should have their license revoked and Candice should be charged for the actions that has caused a complete stranger turmoil in their lifeSHAME ON YOU, CANDICE!!

Car payments didnt go where I intended
In march 2018, I applied $toward my vehicle via the webI have a loan with exeter for $a monthNowhere on the website did it mention, when making payments over a certain amount, only months are coveredI find this out after geeting call from company in juneOf only payments were made and the rest went to princpalThats not how I intended it toIm a single mother and that was supposed to last to almost end of yearNow my credit is taking a hit and they are doing nothing to rectify although website lacked info they told me about how larhe payments are applied

Exeter finance is a example of predatory lendingThey typically lend to people with low credit scores at very high interest ratesExample: my 22.43%
ACCOUNT
NUMBER
XXXXXXX
Exeter Finance, financed my car at a very high interest rateI come from a demographic where credit, interest rates and financing is not commonly usedTherefore, I was not knowledgeable about how the interest rate affects my future finances
I financed a Hyundai Accent with Exeter Finance with an interest rate of percentThe total amount I will pay to Exeter Finance will be over thousand
Contract Date11/22/
Maturity Date2/20/
APR (%)
OrgAmtFinanced$17,
Monthly Payment$
Amount Remaining$10,
Payments Made
Months Extended
VEHICLE
Model Year
MakeHYUNDAI
ModelACCENT
Last Digits o***
Exeter Finance is a predatory lender that takes advantage of consumers who have low credit scores and typically are not knowledgeable in cr

I disputed an inquiry that was falsely made by ExeterThis credit inquiry was made on 9/30/ I sent a letter to the creditor via certified mail on 6/18/which was received on 6/21/18, After days passed, this company responded to my first letter by sending me a letter stating I should consult with another company on this matter, which doesn't make any sense, This particular company wasn't listed on my credit profile Exeter isI did not authorize anyone employed by Exeter Finance to make any inquiry and view my credit reportThis is a violation of the Fair Credit Reporting Act Section 1681b(c)This is a serious breach of my privacy rights

Duplicate Exeter car loan payments caused erroneous charges
I made a payment on February from another banking account because the previous banking account was closed however before making the payment the agent Angelo confirmed that there would be no additional attempts to collect since once the payment was received and confirmed After I made the payment there were attempts to collect on the closed bank account which caused additional fees of $On all occasions I spoke with an agent and a supervisor who stated that a refund request would be sent to the refund dept All information was notated on my account I then learned that the refund was approved however as of 7/29/I have yet to receive it I spoke to the following personnel regarding this issue and was assured that the refund would be handled Natasha Byron *** (employee Id XXXXXX), Angelo (employee id Ago), Yanake (employee id XXXXXX) The issue still has not been resolved I have been hung up on, prom

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