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
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
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
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
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
I paid them the payoff amount of my vehicle by cashiers checkMy online account shows a $balance however they refuse to send me my title
When I spoke with an agent on March 4th I was told that it would take 10-days to receive my title from when they received my payment
I overnigthem $20,in the form of two cashiers checks made payable to Exeter Finance Corp on March 8th FedEx shows the package as received and signed for at 10:16am on March 9th My account on ExterFinance.com shows a balance of $I called on March 11th to ask the status of my title and was told it will take 30-days to process
I asked to speak to a manager and was told there are noneI asked to speak to the department that handles the payoff and was told they do not have phonesI asked for their e-mail address and was told they do not have anyThey refuse to tell me why it will take so long to receive my title or why I was lied to
I asked for the corporate number an
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
(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
I have been an Exeter customer since *** I have had late payments which a late fee was assessed I paid more than my monthly payment to cover the late fees Exeter did not apply my extra payments towards late fees so they have continued to accumulate When I called on 5/1/to have the extra payments applied towards my late fees, they told me they cannot until I make my 5/1/payment They refuse to credit my funds appropriately which then will continue to reflect an outstanding late fee amount The online statements I can see on their website also do not reflect the same amounts in their system The excuse that their system doesn't apply funds towards outstanding late fees is unacceptable In speaking with a representative on the phone on 5/1/at 1;pm CST, they cannot apply outstanding funds towards my late fees until I make a payment on time
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
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
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
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
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
Both my husband and I have incomplete credit reportsall showing a balance owed in the amount of 17,I paid Exeter in full in October
My Husband and I co-purchased a vehicle with exeter in We never made a late paymentboth of our credit reports ate reflecting we still owe in the amount of 17,I paid Exeter in full in October I called numerous times in order to get this reflecting correctlyEVERYTIME I was assured that the problem would be fixedI never experienced a problem when I was paying the loan with them reportingThis is unacceptable as Exeter received the amount owed as contractually agreedThis needs to be fixed and correctly reported to all three of both of our credit bureausIm extremely disappointed in the experience with Exeter as they charge extreme interest ratesThat amount of money should make the company obligated to report correctly!!!
My car was repossessed on 5/17/and I picked it up on 5/20/16, in only three days.Yet Exeter found a way to change my keysI want my keys back
My account number is XXXXXXXThe year/make/model of the car is Honda CR-V-The amount financed was $15,397.31, the interest rate is a wicked 18.99%, the monthly term is 60, and the monthly payments are $The first payment was due on 8/21/
I did not want to purchase a car but I had no choiceMy other car was totaled and I was left without transportation to go to workFrom the day I got the car until approximately two months later I lost my job and I was not able to keep up with the $payments and I have been struggling since, I tried getting out of it but these wicked companies don't want to work with the hard working consumerMy credit got worst trying to refinanceMy credit is bad from loosing so many jobsI begged them to please lower the paymentsThey push a few payments until the end but that still did
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
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
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
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
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
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
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
I paid them the payoff amount of my vehicle by cashiers checkMy online account shows a $balance however they refuse to send me my title
When I spoke with an agent on March 4th I was told that it would take 10-days to receive my title from when they received my payment
I overnigthem $20,in the form of two cashiers checks made payable to Exeter Finance Corp on March 8th FedEx shows the package as received and signed for at 10:16am on March 9th My account on ExterFinance.com shows a balance of $I called on March 11th to ask the status of my title and was told it will take 30-days to process
I asked to speak to a manager and was told there are noneI asked to speak to the department that handles the payoff and was told they do not have phonesI asked for their e-mail address and was told they do not have anyThey refuse to tell me why it will take so long to receive my title or why I was lied to
I asked for the corporate number an
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
(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
I have been an Exeter customer since *** I have had late payments which a late fee was assessed I paid more than my monthly payment to cover the late fees Exeter did not apply my extra payments towards late fees so they have continued to accumulate When I called on 5/1/to have the extra payments applied towards my late fees, they told me they cannot until I make my 5/1/payment They refuse to credit my funds appropriately which then will continue to reflect an outstanding late fee amount The online statements I can see on their website also do not reflect the same amounts in their system The excuse that their system doesn't apply funds towards outstanding late fees is unacceptable In speaking with a representative on the phone on 5/1/at 1;pm CST, they cannot apply outstanding funds towards my late fees until I make a payment on time
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
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
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
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
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
Both my husband and I have incomplete credit reportsall showing a balance owed in the amount of 17,I paid Exeter in full in October
My Husband and I co-purchased a vehicle with exeter in We never made a late paymentboth of our credit reports ate reflecting we still owe in the amount of 17,I paid Exeter in full in October I called numerous times in order to get this reflecting correctlyEVERYTIME I was assured that the problem would be fixedI never experienced a problem when I was paying the loan with them reportingThis is unacceptable as Exeter received the amount owed as contractually agreedThis needs to be fixed and correctly reported to all three of both of our credit bureausIm extremely disappointed in the experience with Exeter as they charge extreme interest ratesThat amount of money should make the company obligated to report correctly!!!
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
My car was repossessed on 5/17/and I picked it up on 5/20/16, in only three days.Yet Exeter found a way to change my keysI want my keys back
My account number is XXXXXXXThe year/make/model of the car is Honda CR-V-The amount financed was $15,397.31, the interest rate is a wicked 18.99%, the monthly term is 60, and the monthly payments are $The first payment was due on 8/21/
I did not want to purchase a car but I had no choiceMy other car was totaled and I was left without transportation to go to workFrom the day I got the car until approximately two months later I lost my job and I was not able to keep up with the $payments and I have been struggling since, I tried getting out of it but these wicked companies don't want to work with the hard working consumerMy credit got worst trying to refinanceMy credit is bad from loosing so many jobsI begged them to please lower the paymentsThey push a few payments until the end but that still did
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
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