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Interiors by Joann, LLC

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Interiors by Joann, LLC Reviews (840)

This vehicle was surrender in a bankruptcy in April and I am being charged on my credit report as if I still have the vehicle
My ex-husband who was the primary borrower filed bankruptcy in and the vehicle a Mitsubishi Galant was surrender in April The account was marked as closed, and no one has contacted me sinceBut recently in July 2016, the company has re-opened the account stating I have a balance of $20,and has been reporting to the credit bureau that I am delinquent in making paymentsFirst of all I am sure they sold this car once it was surrender, and there is no way possible I should be responsible for $20,When the vehicle was surrender the balance was in the $19,000'sAlso no one from the company has made any attempts to contact me regarding a balanceI need to see something were the car was not sold which would make me responsible for the full balanceI need to know how an account can go from being closed to reopenedI also need to know

Our car is financed thru Exeter and they are not applying our payments correctly and they show we still owe the amount financed years ago
I purchased a Dodge Durango in October of The amount financed was $21,The interest rate is 21%This is a total balance of $26,I agreed to pay Exeter financeMy term is monthsThe payment per month is $The first payment was due on December 25, Payments have been made every month since then with the exception of payments in which they were deferredThe total deferred payments totals $The total we have paid to date is $less the $in deferments totals $11,in money we have paid to Exeter financeThis should leave a balance owed as $14399.60, not the $19,they say I oweI notice on my statements my balance never goes downI called nearly a year ago about this and they told me payments are applied to interest firstOk fair enoughBut the balance on my statements

In September of my car died and I had to purchase a car immediatelyI was working on repairing my credit from a previous bankruptsy in when this happenedAnyway the only finance company that would finance me was Exeter finance at 27% interest rateBeing a single mom without no other income but my job, I had no choice but to purchase the carI did not have money to pay cash for a car and I had to get back and forth to workBy April I was struggling and forced into filing a chapter I was told I would be required to pay the full amount of the vehicle but the courts said only at a 4.75% interest rate instead of 27%I have been having money taken out of my check for over two years now totaling almost $My attorney and I just discovered Exeter never filed a proof of claim as required by the courtsSo all of this time the money that should have been going to Exeter was going to my student loan and unsecured debtAt this time I do not know what to do! At this point my only option is to convert to a Chapter and surrender the vehicleOtherwise once I get through the in the next and a half years Exeter is going to come back and ruin me again piling on the amount of the car and late feesI really don't want to do thisMy attorney and myself contacted them multiple times about not filing the claim to no availI emailed them a couple months ago explaining this situation and asked if they would reaffirm the loan for the amount the car is worth now at a lower interest rate since it should be half way paid off by now and they did not file a claimNo one ever contacted meInstead they contacted my attorney and told her WE DO NOT WORK OUT PAYMENT PLANSShe said ok then why did you not file a proof of claim back in as required by the courts? The person she spoke had no answer and said she would have to get back with herNeedless to say she never heard from her againThey would have had the entire car paid off at % interest on top of the months of payments I had already madeI feel like this was a shady business practice to *** me over

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

I have currently been with Exeter Finance Company since October They were one of the companies that agreed to finance me after my bankruptcy dischargeOn November 30, 2016, someone totaled my carMy insurance company immediately paid out to them within one weekWhile this was going on, I had started the process of my GAP claim to coverage any remaining balance that the insurance company did not pay due to the ACV provisionThe insurance company I am with, has a strict policy that if your car is considered a total loss, you are only eligible to use your rental coverage for three days after thatI have been in a car rental for weeks now, at my own out-of-pocket expense, which is running me about $215, even for the smallest carThe process with the GAP claim does not happen overnight, because you have to include information from the lienholder and the insurance holder, so all that has to be in place before they can even start their processAfter my insurance company made their payment, I was told I could now go ahead and start car shopping for another vehicleConsidering the fact that I currently have an open car loan with Exeter with only $owing, and awaiting my GAP claim finalization, you would then they would re-finance me right? NOT! They turned me down faster than a speeding bulletI am upset because my previous loan was a year term, and they obtained majority of their investment from my insurance carrier, three years in advance, so they have been provided more than good faith money, and after three years of servitude, you won't refinance a customer who is already a current customer? Well, I hope they know that I am going up the business chain because this is total crapEvery time I call their customer service line, I am told how I owe all this money, and it isn't until I say something and I'm place on a minute hold, does the representative show evidence of this huge payment on my balanceThen to make matters worse, they are still reporting the entire balance on my credit report (because they told me they allegedly don't update their reports until the beginning of the following month), which is creating an issue with any other finance company wanting to finance meNow, I am stuck between a rock and a hard place for something that isn't my fault, because somebody totaled my carI did everything as a model citizen I was supposed to do, I have full-coverage insurance, rental coverage, and heck, I had GAP through my insurance company and in my auto loan, and now I am stuck looking stupid, paying ridiculous amounts for a car rentalMy car note was only $and I am now risking $monthly for this rental? Somebody needs to fix this situation and re-finance me another car

$ was sent in to be applied to my principle loan balance ant these funds were mis applied on my account
I mailed in $to be applied to my principle balance on my account and I called several times and was told by a customer service Representative (CSR) that my funds were applied to principle and interest on my account I asked the CSR to reapply my payments to my Loan principle balance as requested and directed, and to supply me with an account ledger showing the corrections Several times my principle balance has not changed but increased on my statements The CSR stated that they could not supply me with anything in writing so I sent them a certified letter and Exeter has not responded

Exeter owes refund since Dec Get run around every phone call with different story on statusMultilies on if check has been mailed
Vehicle (Honda CRV) paid in full to Exeter in November Exeter owes me an overage payment due back for $which they have not issued to meI also canceled my extended warranty and they received payment from CarMax on December 10th for the amount of $1201.51, which is also due refundI have contacted Exeter multiple time and am told a different story on when a refund will be issuedTo date the refund due back has extended beyond days for the warranty refund and almost days for the overageI have been told the refund has been mailed and also have been told it will be direct deposited, all of which have not happened to dateI have talked to multiple Exeter personnel and have gained no headwayI have contacted Exeter on average times a week since December 10th for resolution with each call lasting at least minRecently

If you finance with Exeter make sure you don't fall behind for any reason cause they will not work with you and they will take your vehicle without any notice of any kind Also you'll get your last bill like there is nothing going to happenWhen you call them up so you can get your stuff out of it they act like everything is ok and not even offer you a resolutionWell joke is on them because I was have electrical problems with that vehicle so good luck selling itDo not finance with this company you will be paying a lot an they will not work with you

This company ripped me offOver charged for the last three years with late fees and finance feesThe company put me in bankruptcy
After being put into bankruptcy by over charging me for late fees and finace fees over the last three years my Chrysler was picked up by the finance company for Repo on the eve of Thanksgiving 11/22/without proper notification of a pick upI reported my vehicle stolen the same day it was repossessedThe Arlington Police Department completed a Nation wide check to see if was properly reported as a repossession and there was no recordI lost work wages because of the pick up and no proper notificationI have paid out pocket well over $10,to Exeter Finance for this vehicle and theystill showed me owing over $17,as of today's dateThey totally ripped me offI want my money back

Complaint regarding damage done when car was towed by them
My car was repossessed by this company after several attempts to pay them and them telling me my credit card wouldn't workInteresting since it worked everywhere elseWhen the car was towed extensive damage was done to the front end of the car, the tires, and the tire rodAll tires had to be replaced (there were new tires on the car), the tire rod was bent and had to be replaced, and the alignment had to be fixedThe front end of the car is also damaged, with the bumper messed up so you have to pop it back into place consistently, and the grille cover on the front is goneI paid for the mechanical repairs on the car, and got an estimate for body damageThis has averaged out to about $in damageI have contacted this company on several occasions about this issue, and no one will get in touch with me or respond to my complaint, and they just want to send me to the auction where they took the car, but the auction wa

This company is a jokeI fell a month behind on my payments but was able to make monthly payments to keep from falling more behindThey are claiming I am over behindSaying one day they received a payment from me, but the next day they say they never received itI've not only made my monthly payments, but $extra to help get caught up on the payment I missedThey can't tell me where my money is goingI've called them and told them I was trying to get things sorted out but they still repoed my carThen they tell me when I call to see what I can do to get it back, that NM is a no reinstatement state so in order to get my car back, I have to pay the entire loan amountBut I know that's not the caseMy friend got his truck back twice after it was repoedI don't Not recommend this companyI'm a single mom & my job is a server, so to be forced to come up with over in such a short amount of time is impossibleI also can't make payments if I have no way to get to workI can't ever give this company a half of one star

Today is April 20,I called exeter to make a monthly payment for March 26,I've contact the Revdex.com once on this matter regarding payment from October not being postedI just received as of last week April 14, Currently am contacting because my car has been charged off at only days past dueNever had this occurred and why is there a sudden change in processesLast payment made was for February to avoid my payments not being applied and knowledge that I would IN FACT receive the from October backI've called three times and no one can answer my question I don't have any information in my documents from where I purchased my car and exeter as a lien holder ability to charge off the car only after daysIf I would have made payment today as intended the late amount would be $to be paid April then making the account one day late per scheduled monthly payments being due on the 26th of the monthThis is extremely frustrating as once again it

Overpayment on payoff refund
Yes my issue is with Exeter finance I refinanced my truck with another entity and a payment of was sent to them from my new lien holder it was received on August 9th then deposited on August 10th and I got a letter from them on August 18th saying paid in fullNow the problem is I only owed which is a difference of that is owed to meSo I call and ask when am I going to receive the money owed to me and there response is to until account is fully closedNow I want to say this is not good business practices there is no reason for them to hold this moneyLet me say this when my payment is due they get paid but now they owe me and want to make excuse and say it is there policyBut I called a few times before this to ask when I am going to get the check other reps said to days??? Lastly I want my money now no excuses I need it!!!!!!!!

I recently checked my credit reports and I have found this company to have pulled my credit WITHOUT my authorization on 9/16/
none

Refusing to provide a paid in full letter
I paid off a loan with them on September 4th, I called and requested a paid in full letter, as I am making another purchase and it is requiredThey indicated it would be faxed to the number I provided within hoursI waited two days and called back, they said give it another day, so I didIt has been a week and it is still not in my possessionI lost out on the other purchase I was makingWhen I call, they keep saying give it another day

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

Was told I was paid up until May 23rd, then told I still owed $a week later and I am going to have late fees
I made a payment of nearly $on Monday, April 23rd I was told by the customer service agent that the payment took care of the month of April and my past dueShe specifically told me that I did not need to make a payment until May 23rd, my next due dateSaturday, April 28th, calls started coming from this company againThey pretty much hound youI spoke to a csr and a manager todayThey are claiming that when they went back to look, I still over nearly $Since I had thought I was paid up, I paid other bills and cannot make this amount until the 15th of MayI am told to borrow money from someone to cover thisThen, I'm told that if I do not pay it in the next few days, they will start adding late feesSo, I am going to be punished for a mistake on their endThat is not fair and it is shadyI was told that I was paid upYou can't tell someone they are

An additional $3,was financed for a cancelled warrantyPlease deduct from principal balance and reapply posted payments and interest according
I discovered they financed an additional $3,for a tire and wheel warranty I told them I did not wantThe terms on the reverse of the addendum stated that if I cancelled the warranty in writing within days, they would refund me the premium paidI cancelled the warranty within two weeks of purchase and have yet to receive a refund
Attempts to resolve the issue directly with the dealership were met with unanswered phone calls and emailsOnce I engaged the Revdex.com, the dealership responded with empty promises in order to have my complaint closed as "resolved." I contacted the Revdex.com and they reopened my case and scheduled it for mediationThe dealership stopped responding to both me and the Revdex.com
I received the attached letter of intent from the Revdex.com ad

I contacted Exeter Finance Corporation via certified mail in reference to several unauthorized inquiries that appears on all of my credit reportsI contacted Exeter and asked for proof of my having authorized these multiple inquiries as per FRCA regulations and have not received any evidence of my authorization so farI did not authorize these inquiries and would like to have them removed from my credit report as it is hindering my obtaining of new credit

NITRO DODGE PURCHAED AT AUTO NATION 7/24/HAD GAP INSURANCE.PAID IN FULL IN OCTOBER EVERY WEEK EXETER WILL MAIL REFUND FOR $
STILL AWAITING MY REFUND CHECK FOR $SINCE nOVEMBER 2015, EVERY WEEK NEW STORY

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