Finance feesUndisclosed to me
My car was financed at 15,The car price was listed as 13,on 4-11-My car was in a wreck and was considered to be a total lossWhen I contacted Exeter I was told I was paying a a day charge on top of the interest I would have already been paying of 24% yearly (which was never disclosed to me) I have paid 3,in car notes on top of 2,430( dollar a day fee) since 4-My car was totaled, the insurance company paid 10,and they still want 3,I was told the dollar a day fee would stop but the interest on the remaining balance would notI feel I have paid them more than enough and they are a rip offSomething should really be done about this so called finance companyTheir interest rates are ridiculous and if you do not pay attention you will be totally messed upAt this rate I would have paid them 30,for a 13,dollar car if I had not been in this wreckThey do not disclose all of their information when y
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
my car was picked up due to non payment.I could not make the payment because I couldnt get an account number from them...no response
Purchased my car kia forte in april 2018,first payment was due may 2018..In the amount of $per month..I could never get an account number to pay my bill..Id call and it would always say they were not in the office no matter time or date..even tried to email them...they wont discuss anything through email
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
Attempting to pay off my car
Tonight I called my loan office Exeter finance Corp out of Irving TX to try to pay off my loanI asked to speak with someone in regards to paying it off and a possible settlementAfter being transferred multiple times I spoke with *** ID # XXXXXX she informed me the Exeter does not offer anything of that natureI asked to speak with her supervisor, she stated there was no one higher up then her tonightI asked to send a message in regards to my concern about paying off my car and she refusedStating there was nothing they could do to help me and that because I signed a contract they would not negotiateI have made payments on a Suzuki Kizashi totatling over 9,on payments for a loan originated amount was for 13,Current pay off being 10,due to a 18.9% interest rateI only have 9,that I can pay the car off withNo one is willing to discuss this with me at allI just want someone to work with me and this company refuses
Amount disputed was the amount sent to me by my insurance for my car repairthey were very rude and unprofessional
I was involved in a car accident on 01/25/since then the vehicle which is financed by Exeter has been in the repair shop getting fixedFrom the moment I crashed the car I called Exeter and explained my situation and how they would have to endorse the check that would be provided to me by my insurance in order to pay the repair and get my car backThey explained to me their process and how they needed the insurance estimate the body shop work order with letter head, a W-from the body shop and photos of the repaired vehicleafter that called them several times to confirm that I had everything they requiredthe days passed and for the last two weeks I have been in constant contact with them letting them know that the car would be ready on 03/03/by this point I had already sent them everything they asked for except the photos of the finished car since that
Customer Service is misleading when it comes to payment extensions
I called into the Exeter finance customer service line to inform them I was having difficulty in making my monthly payment due to reduction in hours at my jobI did what they called a payment extension plan which puts what I owed for that month on the back end of my loanthe gentleman who assisted me couldn't hardly speak English and was very difficult to understandthe date was around October 5th, when I made the call and he told me that my next due date would be November 24thon October 24th I received a call saying that my payment was past due for OctoberI told the representative that I just made a payment extension and she told me that the extension took care of Septembers payment and not OctoberI told her that the person who did my extension did not mention that this said extension would ake care of Septembers payment but just in formed me that the next payment due was NovemberShe told me I was wro
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
I was told I was receiving a refundStill waiting for my refund
I was told I would be refunded for my car payments that were submitted from a third party companyThe payments Exeter received were not posted in my account profileI could not get a solid answer from anybody about what was going on with my refundTalked to a supervisor and he wasn't helpful either, he just connected my call to the accountant and didn't explain my issue to herI was originally told it would take 7-business days to be refunded to my accountThen on another day I was told it would take days to receive my refund by mail, but it should be here any day because my days was almost upI explained the importance that I refinanced my car and needed that refund ASAPMy car payment is NOW already lateNow I'm told it will be in my mail by October 28thMy car payment was due 10/18/and they were more than aware of thatThey were not concerned nor did they actually careNobody will answer my e
This is the worst financial institution I have ever dealt with They do not calculate payments or interest correctly They charge a lot of fees with no exp,a nation for them When asked they say they have no answer My payments are credited and then within three days reversed When I asked why they were reversed they said maybe the funds did not clear These are payments from Money Gram, Western Union, and direct debits They are paid as cash They reverse my payments and then send repossession notices They have taken the car twice now I have reclaimed the car both times Both times the very next day they are telling me I am already five months that behind I asked them how is that so if I just paid all this money to be caught up and get the car back Still no answer from them They use illegal collection practices I have called from friends and families land lines when I could not use my cell phone only to have them start calling the person who let me use their phone to collect on my account They have gone to my children'should homessage in the night with flashlights looking in their buildings I advised them I do not live at those houses and they need to stop harassing my children I would strongly advise against anyone using this company
EXETER FINANCE ARE PREDATORY LENDERSI WIL BE FILING A CLASS ACTION LAWSUIT
These people are total scammers and dishonest and very unorganizedOr maybe staff lacks education I've been financed through them since November I am in the process of rebuilding my credit In fact the first few months it boosted my score points! My payments are withdrawn by Smart Plan and sent usually business days BEFORE it's due
Starting November they started calling everyday demanding payment - and the lady who could barely speak English had the audacity to be rude and cluelessI advised "No I paid you already." I gave them proof of payment and the check numberEven a copy of the check THEY stamped and signedI even did a conference call with them and Smart PlanWe asked to speak to a manager who was ALSO CLUELESS and not helpful Apparently, they found the check because they stopped callingNow a GOOD business would have called and apologized for THEIR oversightBut nothing no follow up anything
Fast forward, December 1st, 2017they start calling AGAIN! Ummm no I'm not late and I'm NOT paying you AGAIN because I ALREADY did
So Now, my credit score has gone down points because if EXETER FINANCES bad business practices and FRAUDULENT credit reporting
I could have refinanced with my own bank after a year but the FRAUDULENT reporting set me backI had no problems for monthsIt's like they are trying to hinder me from refinancing elsewhere at a better interest rate
My next plan of action will be a CLASS ACTION LAWSUIT and possibly some other type of fraud prevention action
MY PAYMENTS HAVE ALWAYS BEEN ON TIME WITH THEM AND I CAN AND WILL PROVIDE DOCUMENTED PROOF AND SMART PLAN ADVISED THEY WOULD PROVIDE ME WITH AN ADDITIONAL AFFIDAVIT TO BACK UP -THE BACK UP
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
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
Exeter Finance Repossessed my car over years ago and I reclaimed it within days The car has since been in Exeter Finance's
I have been sending in Power of attorney's for the past years trying to get Exeter Finance to take the car out of their name and put it back in mine since I am the owner of the carThe requests fall on deaf ears and they refuse to change the title to my name so that I *** trade the car in I feel as though they want me to continue to pay their inflated interest rate
I asked bank to reject payment because I purchased car on 8/24/at pm and returned it 1pm 8/25/because engine light came on and today I still d
Spoke to Supervisor Josh and Josh was not willing to helpAll can be done is have card repoedCan't repo car you dont haveI know bank can get their money back and they refusing to help meFirst of all this bank has terrible reviews and now I know whyI was not even suppose to have this bank as a lender I am suppose to have Capital oneThis Bank and Coggin of Orange Park is FRAUD
Unfair Reprocessing Process
-This is my 2nd complaint about Exter FinanceI am really sorry that I selected them to provide my car loanOn 9/26/they repossessed my car around 5:am with no warning i.eletter or callPrior to that I called 9/9/to make a paymentI knew I was behindI advised the representative that I was going to pay one month of $but she insisted I pay moreWe agreed to $but the representative for some reason decided that she wanted to bring up in 2015,a time I was lateThat had nothing to do with our current situation so we did have a small disagreement which she in return hung up on meSpeaking with Exter on 9/26/they have "no record of this phone call" I later went home to try to pay online but they have me blocked from paying onlineThe representative on 9/26/stated they have called me multiple times at the number is "verified with her" that she said was 614-499-(my old number) but I verified with her my new number XXX-XXX-XXXX
They will not tell me where my payments have goneThey have repo my car by accident twice after I paid $2,to themThis company is a thief
They have repo my car twice by accidentI have paid $2,to themI have made multiple paymentsI get an answer every time I callI have given up on the inconsistency on thisMy truck is work $6,and when I purchased the vehicle It was for $15,and Exeter is stating that the payoff is $15,Where is my money going? I am tired of paying $2,500, $1,900, $and extto this company an the money tends to go nowhereThe dealership I got it from stated it should be almost paid off by nowThis company is a joke and no one will ever be done paying this company offThey are a thief and I am afraid to give my money to themMy credit reports continues to show that I have never been on time when I have paid thousands of dollars on this truck
I am being charged a fee of prior to the day stipulation of the pay off for my car
On 8-8-I completed the refinance of my VW Passat through SECU Credit Union I provided a screen print of the total payoff from the exeter website which is available under my account tab which at the time was 16, In September of I realized that Exeter continued to report a balance of as an outstanding amount on my credit report At that point I contacted Exeter and was told that the amount was under investigation and that I should check back I also filed a dispute through credit Karma to dispute the validity of the outstanding balance ON 11-14-I contacted Exeter once more regarding the outstanding amountI spoke to *** a Supervisor in the customer service departmentHe indicated to me that because I did not call into customer service to request a payoff he has no way of verifying what the website provided as my payoff at that timeI feel, that
Finance feesUndisclosed to me
My car was financed at 15,The car price was listed as 13,on 4-11-My car was in a wreck and was considered to be a total lossWhen I contacted Exeter I was told I was paying a a day charge on top of the interest I would have already been paying of 24% yearly (which was never disclosed to me) I have paid 3,in car notes on top of 2,430( dollar a day fee) since 4-My car was totaled, the insurance company paid 10,and they still want 3,I was told the dollar a day fee would stop but the interest on the remaining balance would notI feel I have paid them more than enough and they are a rip offSomething should really be done about this so called finance companyTheir interest rates are ridiculous and if you do not pay attention you will be totally messed upAt this rate I would have paid them 30,for a 13,dollar car if I had not been in this wreckThey do not disclose all of their information when y
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
my car was picked up due to non payment.I could not make the payment because I couldnt get an account number from them...no response
Purchased my car kia forte in april 2018,first payment was due may 2018..In the amount of $per month..I could never get an account number to pay my bill..Id call and it would always say they were not in the office no matter time or date..even tried to email them...they wont discuss anything through email
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
Attempting to pay off my car
Tonight I called my loan office Exeter finance Corp out of Irving TX to try to pay off my loanI asked to speak with someone in regards to paying it off and a possible settlementAfter being transferred multiple times I spoke with *** ID # XXXXXX she informed me the Exeter does not offer anything of that natureI asked to speak with her supervisor, she stated there was no one higher up then her tonightI asked to send a message in regards to my concern about paying off my car and she refusedStating there was nothing they could do to help me and that because I signed a contract they would not negotiateI have made payments on a Suzuki Kizashi totatling over 9,on payments for a loan originated amount was for 13,Current pay off being 10,due to a 18.9% interest rateI only have 9,that I can pay the car off withNo one is willing to discuss this with me at allI just want someone to work with me and this company refuses
Amount disputed was the amount sent to me by my insurance for my car repairthey were very rude and unprofessional
I was involved in a car accident on 01/25/since then the vehicle which is financed by Exeter has been in the repair shop getting fixedFrom the moment I crashed the car I called Exeter and explained my situation and how they would have to endorse the check that would be provided to me by my insurance in order to pay the repair and get my car backThey explained to me their process and how they needed the insurance estimate the body shop work order with letter head, a W-from the body shop and photos of the repaired vehicleafter that called them several times to confirm that I had everything they requiredthe days passed and for the last two weeks I have been in constant contact with them letting them know that the car would be ready on 03/03/by this point I had already sent them everything they asked for except the photos of the finished car since that
Customer Service is misleading when it comes to payment extensions
I called into the Exeter finance customer service line to inform them I was having difficulty in making my monthly payment due to reduction in hours at my jobI did what they called a payment extension plan which puts what I owed for that month on the back end of my loanthe gentleman who assisted me couldn't hardly speak English and was very difficult to understandthe date was around October 5th, when I made the call and he told me that my next due date would be November 24thon October 24th I received a call saying that my payment was past due for OctoberI told the representative that I just made a payment extension and she told me that the extension took care of Septembers payment and not OctoberI told her that the person who did my extension did not mention that this said extension would ake care of Septembers payment but just in formed me that the next payment due was NovemberShe told me I was wro
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
I was told I was receiving a refundStill waiting for my refund
I was told I would be refunded for my car payments that were submitted from a third party companyThe payments Exeter received were not posted in my account profileI could not get a solid answer from anybody about what was going on with my refundTalked to a supervisor and he wasn't helpful either, he just connected my call to the accountant and didn't explain my issue to herI was originally told it would take 7-business days to be refunded to my accountThen on another day I was told it would take days to receive my refund by mail, but it should be here any day because my days was almost upI explained the importance that I refinanced my car and needed that refund ASAPMy car payment is NOW already lateNow I'm told it will be in my mail by October 28thMy car payment was due 10/18/and they were more than aware of thatThey were not concerned nor did they actually careNobody will answer my e
This is the worst financial institution I have ever dealt with They do not calculate payments or interest correctly They charge a lot of fees with no exp,a nation for them When asked they say they have no answer My payments are credited and then within three days reversed When I asked why they were reversed they said maybe the funds did not clear These are payments from Money Gram, Western Union, and direct debits They are paid as cash They reverse my payments and then send repossession notices They have taken the car twice now I have reclaimed the car both times Both times the very next day they are telling me I am already five months that behind I asked them how is that so if I just paid all this money to be caught up and get the car back Still no answer from them They use illegal collection practices I have called from friends and families land lines when I could not use my cell phone only to have them start calling the person who let me use their phone to collect on my account They have gone to my children'should homessage in the night with flashlights looking in their buildings I advised them I do not live at those houses and they need to stop harassing my children I would strongly advise against anyone using this company
EXETER FINANCE ARE PREDATORY LENDERSI WIL BE FILING A CLASS ACTION LAWSUIT
These people are total scammers and dishonest and very unorganizedOr maybe staff lacks education I've been financed through them since November I am in the process of rebuilding my credit In fact the first few months it boosted my score points! My payments are withdrawn by Smart Plan and sent usually business days BEFORE it's due
Starting November they started calling everyday demanding payment - and the lady who could barely speak English had the audacity to be rude and cluelessI advised "No I paid you already." I gave them proof of payment and the check numberEven a copy of the check THEY stamped and signedI even did a conference call with them and Smart PlanWe asked to speak to a manager who was ALSO CLUELESS and not helpful Apparently, they found the check because they stopped callingNow a GOOD business would have called and apologized for THEIR oversightBut nothing no follow up anything
Fast forward, December 1st, 2017they start calling AGAIN! Ummm no I'm not late and I'm NOT paying you AGAIN because I ALREADY did
So Now, my credit score has gone down points because if EXETER FINANCES bad business practices and FRAUDULENT credit reporting
I could have refinanced with my own bank after a year but the FRAUDULENT reporting set me backI had no problems for monthsIt's like they are trying to hinder me from refinancing elsewhere at a better interest rate
My next plan of action will be a CLASS ACTION LAWSUIT and possibly some other type of fraud prevention action
MY PAYMENTS HAVE ALWAYS BEEN ON TIME WITH THEM AND I CAN AND WILL PROVIDE DOCUMENTED PROOF AND SMART PLAN ADVISED THEY WOULD PROVIDE ME WITH AN ADDITIONAL AFFIDAVIT TO BACK UP -THE BACK UP
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
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
Exeter Finance Repossessed my car over years ago and I reclaimed it within days The car has since been in Exeter Finance's
I have been sending in Power of attorney's for the past years trying to get Exeter Finance to take the car out of their name and put it back in mine since I am the owner of the carThe requests fall on deaf ears and they refuse to change the title to my name so that I *** trade the car in I feel as though they want me to continue to pay their inflated interest rate
Never did business with this company
Don't know this company
I asked bank to reject payment because I purchased car on 8/24/at pm and returned it 1pm 8/25/because engine light came on and today I still d
Spoke to Supervisor Josh and Josh was not willing to helpAll can be done is have card repoedCan't repo car you dont haveI know bank can get their money back and they refusing to help meFirst of all this bank has terrible reviews and now I know whyI was not even suppose to have this bank as a lender I am suppose to have Capital oneThis Bank and Coggin of Orange Park is FRAUD
Unfair Reprocessing Process
-This is my 2nd complaint about Exter FinanceI am really sorry that I selected them to provide my car loanOn 9/26/they repossessed my car around 5:am with no warning i.eletter or callPrior to that I called 9/9/to make a paymentI knew I was behindI advised the representative that I was going to pay one month of $but she insisted I pay moreWe agreed to $but the representative for some reason decided that she wanted to bring up in 2015,a time I was lateThat had nothing to do with our current situation so we did have a small disagreement which she in return hung up on meSpeaking with Exter on 9/26/they have "no record of this phone call" I later went home to try to pay online but they have me blocked from paying onlineThe representative on 9/26/stated they have called me multiple times at the number is "verified with her" that she said was 614-499-(my old number) but I verified with her my new number XXX-XXX-XXXX
They will not tell me where my payments have goneThey have repo my car by accident twice after I paid $2,to themThis company is a thief
They have repo my car twice by accidentI have paid $2,to themI have made multiple paymentsI get an answer every time I callI have given up on the inconsistency on thisMy truck is work $6,and when I purchased the vehicle It was for $15,and Exeter is stating that the payoff is $15,Where is my money going? I am tired of paying $2,500, $1,900, $and extto this company an the money tends to go nowhereThe dealership I got it from stated it should be almost paid off by nowThis company is a joke and no one will ever be done paying this company offThey are a thief and I am afraid to give my money to themMy credit reports continues to show that I have never been on time when I have paid thousands of dollars on this truck
I am being charged a fee of prior to the day stipulation of the pay off for my car
On 8-8-I completed the refinance of my VW Passat through SECU Credit Union I provided a screen print of the total payoff from the exeter website which is available under my account tab which at the time was 16, In September of I realized that Exeter continued to report a balance of as an outstanding amount on my credit report At that point I contacted Exeter and was told that the amount was under investigation and that I should check back I also filed a dispute through credit Karma to dispute the validity of the outstanding balance ON 11-14-I contacted Exeter once more regarding the outstanding amountI spoke to *** a Supervisor in the customer service departmentHe indicated to me that because I did not call into customer service to request a payoff he has no way of verifying what the website provided as my payoff at that timeI feel, that
I recently checked my credit reports and I have found this company to have pulled my credit WITHOUT my authorization on 9/16/
none