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
Be Aware Don't Use Them
I purchased a Chrysler in 2012.Yes I gave been late several times got extension beforeSo my car was supposed to be paid off in Jan 2017.And it was supposed to be paid off my Sept 2027.long story short I have payments left which would be I received a letter from Exeter Finance stating that I owe them a total of 6700.And my maturity date was Sept I gave given them 23,which my contract states was finance I don't know why I still own them which I only have payments leftThey customer service are nasty and rude disrespectful they pry on people that have less than perfect credit and call your phone Monday- Friday seven days a week from sun up to sun downI thought when you pay your payments off your loan which I'm doing which was on the contractI don't know what the other tgey said I owe them which I don'tI will seek a Lawyer and see they finance your Loan with alot of hidden fees.I have given them XXXXX and n
Will not send me a copy of payment history
Beginning of may I had called and asked for a copy of my payment history , someone had told me it would be -hours before I resived it a week went but never received a copy I then called and asked to speak with a manager they told me they would have one contact meFew days later I called back and smoke to a manager and asked her for a copy of my payment history because there is a day late payment on my credit and I do not believe I was days late , she told me she would fax one and I would receive it in 12-hours still have not received anything I then have made several addemps to call and let them know I received nothing and get the same answer all the time 12-hours and they are putting it through that's what everyone I talk to says , I want a copy of my payment because they said I was days late and I don't believe I was days late
Loan was paid off by CarMax on 5/9/in fullExeter was suppose to return a car payment in the amount of $in 7-days from the payoff date
Fiat 500, Acct.#XXXXXXXI return car back to seller,Carmax because of defectsCarMax paid off loan to Exeter on 5/9/17, I spoke with customer service that same day about returning back a car payment I made, and they told me that they could not return it by direct deposit to my checking accountI gave them a option to FedEx it within the 7-days as promiseCarMax inform me that they always have had trouble with this finance company and their customersThe method of payment was direct debit from my checking account that was authorized by meThey refuse to return it in the same matter, and has we waiting for the mail to deliver refund check
days late reported when I was told this wouldn't happen or if it did would be removed once the claim was processed
My car was deemed a total lossWhen I called Exeter they were helpful (acct XXXXXXX) However, the payments were applied in such a way that caused a day late to be reported to the credit bureausWhen I brought my concerns to customer service and the payoff department, I was told to not worry as a goodwill adjustment would be sent to the credit bureaus to remove the late paymentToday I called and was told that they would not be removedThe loan has been paid in full via insurance payment and Gap insurance but the late remains jeopardizing a mortgage application I have in process
Car total loss accident 4/15/16.ins pd 9542, and gap I made pmts until 9,was recThen waited for final bill after gap
I have a loan with Exeter Finance for a car I purchased 3/2/I was in a major accident on 4/15/16, and the car was a total lossMy insurance company was notified the next day and started the claim process, and I notified Exeter within a week, that the car was a total lossI continued to make my monthly payments to Exeter, until the insurance company paid the claim in the amount of $The insurance company took quite an excessive time to process the claim, although issued a check to exeter on 6/2/I was unaware that neither the insurance company (Unique) nor exeter finance would be coordinating with my Gap protection company, until the time when Exeter received the Primary insurance check, and I questioned both Unique and Exeter how will we be proceding with the Gap Insurance claimAs I had relayed all the information of my Gap coverage to
My loan is paid in full, I have yet to receive my paid in full letter along with my refund for over payment
I refinanced my loan back in December of After a week or so I called my gap insurance company to make sure my insurance was carried over, I was informed no and to contact my old fianance company for a paid in full letter (Exeter)I called Exeter as a part of phone verification you must confirm your addressI provided this information multiple times in full, every agent said okay and went on with the callAfter waiting and waiting for this letter, I called Exeter maybe 3-times asking for the letter along with the status of my refund since my loan has a over paymentI asked for it to faxed, the agent said no only mail, finally after speaking with a agent she/he informed me my address is incorrect?! Okay they informed me they added the apt number now and to wait for the letterAgain over days of waiting, I called and spoke with a manager she advised its not updated
Exeter Finance has been charging me late fees for the length of my contract with no record showing on my history
I financed my vehicle three years ago I went through a divorce about a year ago and was late on a few payments My account has been current for well over a year now (or so I thought) and I have even been paying extra Somehow my balance barely goes down I finally figured out today that despite numerous requests to have my due date changed it was not done (although the representative said they had taken care of it several times) So even though my monthly payment and extra was being paid, they were assessing me around $every month so I was still technically "late" because of fees Furthermore, on the account history section on their website, the fees somehow don't show up They assessed one on 9/2/that did and that's what triggered my investigating As it turns out, they have been charging me for well over a year, even though my account continued to say cu
they ran my credit and I NEVER heard of them before NO Idea how they got my social or who approved it I do believe that is is illegal to run my credit without approval
Will not send me a copy of payment history
Beginning of may I had called and asked for a copy of my payment history , someone had told me it would be -hours before I resived it a week went but never received a copy I then called and asked to speak with a manager they told me they would have one contact meFew days later I called back and smoke to a manager and asked her for a copy of my payment history because there is a day late payment on my credit and I do not believe I was days late , she told me she would fax one and I would receive it in 12-hours still have not received anything I then have made several addemps to call and let them know I received nothing and get the same answer all the time 12-hours and they are putting it through that's what everyone I talk to says , I want a copy of my payment because they said I was days late and I don't believe I was days late
Exeter, my auto finance company, contacted me at work regarding making a payment after I verbally advised them not to contact me at work
RE: Extera Acct #XXXXXXX
On Feb X XXXX representive Erin *** from my auto finance company, Extera, contacted me on my cell phone regarding making a pymt to my acct as my acct was "past due" because my due date is the 28th day of the month I agreed w/Ms Dawson that my pymt due date is the 28th day of the month but I also advised her that I have days grace period as well to make that pymt and the pymt would be made I also informed MsDawson that I did not want to any receive collection calls by phone However, on April Exeter contacted me at work regarding making a pymt because my acct was "past due", however, I was out of the office that day and a message was left with the office
staff When I returned to the office on April I received the message of Extera's call and I immediately called Extera and spoke to manager Roshena Cto
(this complaint is against Exeter Finance, Dallas, Tx)
On 5/16/I payed the amount of $towards my car paymentTwo weeks later I paid $towards my car payment (6/15/16) both phone calls resulted in balances of 1,I called Exeter 5/28/spoke w/a rep who told me two different amounts 1,and 2,I asked to be transferred to a rep who in turn told me that I didn't owe the company anything because my account was up to dateOn 6/10/I paid $towards my car payment to catch the $payment up to date for the month of JuneA few days later I was contacted regarding the amount of $for the month of JuneI told the rep that I payed the amount and she should check her recordsI went to check my Exeter account on line and saw that my payment from 5/27/said that I payed $towards the amountI in turn called my back and checked my online statement for the month of MayOn 5/31/$was deducted from my acctand paid to Exeter F
Failure to timely release the lien on my title Poor bookkeeping practices, releasing into the wrong persons name Yolanda Wilson
I won't take all characters In late January, the 28th I believe, I paid off the loan on my Cadillac SRX During the call the representative explained that I would receive the title to my vehicle in the mail After weeks, I called because I'd received nothing - no title, no lien release letter either, nothing I spoke with Lamar who advised that my title had been electronically released to Yolanda Wilson He had no idea why or how such a error could occur All he could do was submit a correction request to the title department I also spoke with a supervisor whose only suggestion was to call back tomorrow This isn't like the wrong person picked up my take out food order, or something similar, this company processed the second most valuable thing I own, my vehicle, and released the title to someone else Unacceptable My hope is that
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
Will not honor request payment due date change to match new job payday
easy enough approval for those of us with credit challengesapproved for car with CarMaxthe lack of customer service, especially for those of us that are trying to make every effort to pay on time is ridiculousmy original due date was around the 23rd of the monthbecause I only got paid once a month on the last week day of the month, I requested that my due date be changed to the first of the montha couple of years later I am at a new job with 1st and 15th pay dayExeter rep refused to change the date to the 15thEven though I have been going online and setting up the LATE payment for the 15th, I still get calls asking for the payment that the rep apparently is not aware has already been set upa policy to not allow someone to change the payment due date more than once is senselessespecially if I can offer proof with my paystubs of the new pay dateswith my current bi-monthly pay dates, I have to us
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
Have not received a Paid in full letter or release of lien for a loan that has been paid off since 07/02/
Paid off my loan with Exeter Finance in July 2015, was told then that I would receive a paid in full letter and release of lien would be sent I have made numerous call and repeatedly told that this will be faxed and mailed as of August 22, I have still not been able to obtain the paid in full letter and/or lien release This has also not been provided to the DMV Customer service states that they will submit it again and then nothing comes Call again, nothing comes Etc etc What does one have to do to get a release of Lien from this company
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
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTIONS &
Please accept this final written OFFER OF SETTLEMENT
*** ***
PO Box XXXXXX
Tacoma, WA XXXXX
Exeter Finance Corp
PO Box XXXXXX
Irving, TX XXXXX
RE: Account NoXXXXXXX
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTIONS &
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act
1) Violation of the Fair Credit Reporting Act
2) Violation of the Fair Debt Collection Practices Act
3) Defamation of credit
4) Negligence
5) Loss of opportunity
6) Intentional Infliction of Emotional Distress
Exeter Finance Corp,
Case
Your firm has failed to send the legally required validation of this debt per Section I have received the documents you sent dated September and your response was:
"During
This is the worse experience I have ever hadI have had this car loan for years nowThey make harrassing calls when days lateI had my bank information saved with their website so I can just log in and pay when it was due, big mistakeThey decided to take a payment from my account when I did not authorize it! They refunded it but not after causing me major problems with the bankI have since removed my info from their website and use Western Union Speed PayJust recently I mistakenly used the wrong bank account to make an one-time payment (since I now have to input my bank information everytime I want to make a payment) and of course it was returned (I know this was my fault)As soon as I realized my mistake I made the payment with the right bank accountExeter repeately continued to push payment thought to the wrong bank account even though they recieved my payment from the right accountCalled customer service twice, no one was any help, one agent left me on hold for min (probably hoping I would hang up)They did not understand my point that they should stop trying to take a payment when they have recieved the paymentI had to close that bank account just to stop racking up bank feesI cannot wait until my credit is better and I can refinance with a better companyPlease choose any other company, even if that means higher paymentsYou get what you pay for
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
Be Aware Don't Use Them
I purchased a Chrysler in 2012.Yes I gave been late several times got extension beforeSo my car was supposed to be paid off in Jan 2017.And it was supposed to be paid off my Sept 2027.long story short I have payments left which would be I received a letter from Exeter Finance stating that I owe them a total of 6700.And my maturity date was Sept I gave given them 23,which my contract states was finance I don't know why I still own them which I only have payments leftThey customer service are nasty and rude disrespectful they pry on people that have less than perfect credit and call your phone Monday- Friday seven days a week from sun up to sun downI thought when you pay your payments off your loan which I'm doing which was on the contractI don't know what the other tgey said I owe them which I don'tI will seek a Lawyer and see they finance your Loan with alot of hidden fees.I have given them XXXXX and n
Will not send me a copy of payment history
Beginning of may I had called and asked for a copy of my payment history , someone had told me it would be -hours before I resived it a week went but never received a copy I then called and asked to speak with a manager they told me they would have one contact meFew days later I called back and smoke to a manager and asked her for a copy of my payment history because there is a day late payment on my credit and I do not believe I was days late , she told me she would fax one and I would receive it in 12-hours still have not received anything I then have made several addemps to call and let them know I received nothing and get the same answer all the time 12-hours and they are putting it through that's what everyone I talk to says , I want a copy of my payment because they said I was days late and I don't believe I was days late
Loan was paid off by CarMax on 5/9/in fullExeter was suppose to return a car payment in the amount of $in 7-days from the payoff date
Fiat 500, Acct.#XXXXXXXI return car back to seller,Carmax because of defectsCarMax paid off loan to Exeter on 5/9/17, I spoke with customer service that same day about returning back a car payment I made, and they told me that they could not return it by direct deposit to my checking accountI gave them a option to FedEx it within the 7-days as promiseCarMax inform me that they always have had trouble with this finance company and their customersThe method of payment was direct debit from my checking account that was authorized by meThey refuse to return it in the same matter, and has we waiting for the mail to deliver refund check
days late reported when I was told this wouldn't happen or if it did would be removed once the claim was processed
My car was deemed a total lossWhen I called Exeter they were helpful (acct XXXXXXX) However, the payments were applied in such a way that caused a day late to be reported to the credit bureausWhen I brought my concerns to customer service and the payoff department, I was told to not worry as a goodwill adjustment would be sent to the credit bureaus to remove the late paymentToday I called and was told that they would not be removedThe loan has been paid in full via insurance payment and Gap insurance but the late remains jeopardizing a mortgage application I have in process
Car total loss accident 4/15/16.ins pd 9542, and gap I made pmts until 9,was recThen waited for final bill after gap
I have a loan with Exeter Finance for a car I purchased 3/2/I was in a major accident on 4/15/16, and the car was a total lossMy insurance company was notified the next day and started the claim process, and I notified Exeter within a week, that the car was a total lossI continued to make my monthly payments to Exeter, until the insurance company paid the claim in the amount of $The insurance company took quite an excessive time to process the claim, although issued a check to exeter on 6/2/I was unaware that neither the insurance company (Unique) nor exeter finance would be coordinating with my Gap protection company, until the time when Exeter received the Primary insurance check, and I questioned both Unique and Exeter how will we be proceding with the Gap Insurance claimAs I had relayed all the information of my Gap coverage to
My loan is paid in full, I have yet to receive my paid in full letter along with my refund for over payment
I refinanced my loan back in December of After a week or so I called my gap insurance company to make sure my insurance was carried over, I was informed no and to contact my old fianance company for a paid in full letter (Exeter)I called Exeter as a part of phone verification you must confirm your addressI provided this information multiple times in full, every agent said okay and went on with the callAfter waiting and waiting for this letter, I called Exeter maybe 3-times asking for the letter along with the status of my refund since my loan has a over paymentI asked for it to faxed, the agent said no only mail, finally after speaking with a agent she/he informed me my address is incorrect?! Okay they informed me they added the apt number now and to wait for the letterAgain over days of waiting, I called and spoke with a manager she advised its not updated
Exeter Finance has been charging me late fees for the length of my contract with no record showing on my history
I financed my vehicle three years ago I went through a divorce about a year ago and was late on a few payments My account has been current for well over a year now (or so I thought) and I have even been paying extra Somehow my balance barely goes down I finally figured out today that despite numerous requests to have my due date changed it was not done (although the representative said they had taken care of it several times) So even though my monthly payment and extra was being paid, they were assessing me around $every month so I was still technically "late" because of fees Furthermore, on the account history section on their website, the fees somehow don't show up They assessed one on 9/2/that did and that's what triggered my investigating As it turns out, they have been charging me for well over a year, even though my account continued to say cu
they ran my credit and I NEVER heard of them before NO Idea how they got my social or who approved it I do believe that is is illegal to run my credit without approval
Will not send me a copy of payment history
Beginning of may I had called and asked for a copy of my payment history , someone had told me it would be -hours before I resived it a week went but never received a copy I then called and asked to speak with a manager they told me they would have one contact meFew days later I called back and smoke to a manager and asked her for a copy of my payment history because there is a day late payment on my credit and I do not believe I was days late , she told me she would fax one and I would receive it in 12-hours still have not received anything I then have made several addemps to call and let them know I received nothing and get the same answer all the time 12-hours and they are putting it through that's what everyone I talk to says , I want a copy of my payment because they said I was days late and I don't believe I was days late
Exeter, my auto finance company, contacted me at work regarding making a payment after I verbally advised them not to contact me at work
RE: Extera Acct #XXXXXXX
On Feb X XXXX representive Erin *** from my auto finance company, Extera, contacted me on my cell phone regarding making a pymt to my acct as my acct was "past due" because my due date is the 28th day of the month I agreed w/Ms Dawson that my pymt due date is the 28th day of the month but I also advised her that I have days grace period as well to make that pymt and the pymt would be made I also informed MsDawson that I did not want to any receive collection calls by phone However, on April Exeter contacted me at work regarding making a pymt because my acct was "past due", however, I was out of the office that day and a message was left with the office
staff When I returned to the office on April I received the message of Extera's call and I immediately called Extera and spoke to manager Roshena Cto
(this complaint is against Exeter Finance, Dallas, Tx)
On 5/16/I payed the amount of $towards my car paymentTwo weeks later I paid $towards my car payment (6/15/16) both phone calls resulted in balances of 1,I called Exeter 5/28/spoke w/a rep who told me two different amounts 1,and 2,I asked to be transferred to a rep who in turn told me that I didn't owe the company anything because my account was up to dateOn 6/10/I paid $towards my car payment to catch the $payment up to date for the month of JuneA few days later I was contacted regarding the amount of $for the month of JuneI told the rep that I payed the amount and she should check her recordsI went to check my Exeter account on line and saw that my payment from 5/27/said that I payed $towards the amountI in turn called my back and checked my online statement for the month of MayOn 5/31/$was deducted from my acctand paid to Exeter F
Failure to timely release the lien on my title Poor bookkeeping practices, releasing into the wrong persons name Yolanda Wilson
I won't take all characters In late January, the 28th I believe, I paid off the loan on my Cadillac SRX During the call the representative explained that I would receive the title to my vehicle in the mail After weeks, I called because I'd received nothing - no title, no lien release letter either, nothing I spoke with Lamar who advised that my title had been electronically released to Yolanda Wilson He had no idea why or how such a error could occur All he could do was submit a correction request to the title department I also spoke with a supervisor whose only suggestion was to call back tomorrow This isn't like the wrong person picked up my take out food order, or something similar, this company processed the second most valuable thing I own, my vehicle, and released the title to someone else Unacceptable My hope is that
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
Will not honor request payment due date change to match new job payday
easy enough approval for those of us with credit challengesapproved for car with CarMaxthe lack of customer service, especially for those of us that are trying to make every effort to pay on time is ridiculousmy original due date was around the 23rd of the monthbecause I only got paid once a month on the last week day of the month, I requested that my due date be changed to the first of the montha couple of years later I am at a new job with 1st and 15th pay dayExeter rep refused to change the date to the 15thEven though I have been going online and setting up the LATE payment for the 15th, I still get calls asking for the payment that the rep apparently is not aware has already been set upa policy to not allow someone to change the payment due date more than once is senselessespecially if I can offer proof with my paystubs of the new pay dateswith my current bi-monthly pay dates, I have to us
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
Have not received a Paid in full letter or release of lien for a loan that has been paid off since 07/02/
Paid off my loan with Exeter Finance in July 2015, was told then that I would receive a paid in full letter and release of lien would be sent I have made numerous call and repeatedly told that this will be faxed and mailed as of August 22, I have still not been able to obtain the paid in full letter and/or lien release This has also not been provided to the DMV Customer service states that they will submit it again and then nothing comes Call again, nothing comes Etc etc What does one have to do to get a release of Lien from this company
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
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTIONS &
Please accept this final written OFFER OF SETTLEMENT
*** ***
PO Box XXXXXX
Tacoma, WA XXXXX
Exeter Finance Corp
PO Box XXXXXX
Irving, TX XXXXX
RE: Account NoXXXXXXX
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTIONS &
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act
1) Violation of the Fair Credit Reporting Act
2) Violation of the Fair Debt Collection Practices Act
3) Defamation of credit
4) Negligence
5) Loss of opportunity
6) Intentional Infliction of Emotional Distress
Exeter Finance Corp,
Case
Your firm has failed to send the legally required validation of this debt per Section I have received the documents you sent dated September and your response was:
"During
This is the worse experience I have ever hadI have had this car loan for years nowThey make harrassing calls when days lateI had my bank information saved with their website so I can just log in and pay when it was due, big mistakeThey decided to take a payment from my account when I did not authorize it! They refunded it but not after causing me major problems with the bankI have since removed my info from their website and use Western Union Speed PayJust recently I mistakenly used the wrong bank account to make an one-time payment (since I now have to input my bank information everytime I want to make a payment) and of course it was returned (I know this was my fault)As soon as I realized my mistake I made the payment with the right bank accountExeter repeately continued to push payment thought to the wrong bank account even though they recieved my payment from the right accountCalled customer service twice, no one was any help, one agent left me on hold for min (probably hoping I would hang up)They did not understand my point that they should stop trying to take a payment when they have recieved the paymentI had to close that bank account just to stop racking up bank feesI cannot wait until my credit is better and I can refinance with a better companyPlease choose any other company, even if that means higher paymentsYou get what you pay for