I was told when I began my loan that amounts paid would apply towards interest and principalI made several payments that went towards interest only I have made several payments that were less than the entire monthly payment but was paid in addition to the monthly paymentSome of this should have went towards both interest and principle as I am trying to pay this loan off quicker to save on the outrageous interest rateI was told that I could do this when I started the loan and until recently learned that this was not the caseI have paid my car loan up until August 2017, however, I made small payments and the representative told me that since my principle is paid up until August that anything less than the entire payment will only go towards interestWhat would be the reason to pay of this is the case?
This company is refusing to stop reporting to the credit bureaus as days past dueThe loan was a charge off which it has been almost 2yrs Just want my credit fixedBy this company randomly reporting as days past dueAfter 2yes and months of a charge offThis caused mg credit to drop points in one dayDo you realize how hard it is for me to get that backI need Exeter to remove the late payments and put it back to a charge offOr if anythingRemove it all togetherIt's been 5yes since last payment
I am requesting all late payments be removed from my credit report as I have disputed multiple times I have disputed the late payments multiple times with exter financeThe late payments are not accurate and have been reporting to all credit agenciesI have asked for validation, not verificationThis is negatively affecting my credit report with all three credit bureausI am requesting all late payments be removed
Poor customer service and payment handling So July took out a loan for 19850$ at 23.22% apr 512$ per month paymentYeah dumb enough to take this loan only because car left me stranded at dealershipWhich by the way they didn't take in tradenvm that my beef is with the finance company not the dealershipSo have made all my payments to date on time payments and only knocked off a whopping 1,000$ of my principleTalked to afew payments and desided I'll make monthly payment then make principle payments knock the loan down so I can refinanceyeah ok till I was told by Exeter I can't make principle payments that any extra payment I make just goes towards next months billOk that's cool till inturest gets taken outBTW was told only 160$ of the 512$ per month is being put to the principlewell now this makes it impossible to not only pay off the loan faster but to refinance since none of the company's I've talked to will take on the loan cause loan to value is
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
I am trying to reach someone in the corporate office to go over my account I have trying for months to get in touch with someone who can handle financing for ExeterI have been trying to work out payments due to being sold a car which is basically a lemonI was given a half car fax and the car is damaged and needs a $transmissionAnd I have barely had the car a little over a yearI have been trying to work with Exeter reps to to resolve this issue to no avail
I sent in my septpayment in certified mail thy received it on sept 10,a employee signed for it but thy have not credited my account and keep calling saying thy did not receive it.I have the receipt provided by the usps,now thy said it was going to be reported to the credit bureau as being days past due.as of 10/05/thy refuse to talk to the employee about the payment being lost.the payment was a money order for $ Product_Or_Service: car Account_Number: account #XXXXXXX
Refund due I financed my Nissan Rogue with Exeter Finance in November On April 2, 2016, I was involved in an accident that rendered my vehicle a total lossSubsequently, on April 13, 2016, a payoff check from the at-fault's driver insurance company, State Farm, was mailed to Exeter Finance.The check was in the amount of $11,368.75, which was the amount provided by a representative at ExeterWhen I purchased the Nissan Rogue, I purchased an extended warranty with the dealershipThe extended warranty was for years or 100,miles, whichever came firstAt the time of the total loss, I had only 76,miles on the vehilceAfter speaking with Carmax (dealsership) they advised that they would mail the refund check of $to Exeter and they (Exeter) would be responsible for refunding the amount to meI have made several phone calls to Exeter regarding the status of my refund amount of $(approximately) and I keep receiving erroneous information from the rep
Fraud ,deception,negligence,covering up vehicle damage and rolling back the odometer to sell at a lower mileage I do have a report showing that ht this mustang from carmax in October of I have reported carmax to several different consumer protection agencies do to the fact they have committed fraud and deception inspire I got in touch with Exeter explained that this vehicle has cosmetic and mechanical problems and issues this finance company is in with carmax I explain to Exeter nothing they don't care I got sold a vehicle that has a thirty warranty from car max to fix it and correct what's on documentation nothing was done and I reported to Exeter they didn't care because carmax sold me a car that has over 10,dollars worth of issues and problems which I got told by several people that worked for carmax that these cars are reconditioned vehicles and I need to hire an attorney and take this to court this is covering up problems and this has to do with carmax and Exeter d
around July of I purchased a car for 22,and received a loan through Exeter financial Corp my monthly payment are @ 19.88% APR for monthsI recently spoke too Exeter concerning a PRINCIPAL ONLY payoff however I was only told the dailey rate that I pay in INTEREST, which is $a day I was told that my current balance was$17,; again I asked was this a INTEREST & PRINCIPAL payoff and didn't get a principal quote I decided to figure this out on my own, starting with a day at days equal INTEREST ONLYThis would leave going towards the PRINCIPAL Currently there is months remaining on this loan months mulpitied by PRINCIPAL ONLY payments of equals $12,091.20! Product_Or_Service: car loan
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
OVerdraft fees for bank account for payments that should not have been processed My husband is the account holder [redacted] account number XXXXXXX but this is going on too long without resolution.I have had seperate incidents on in Feb and most recently July where exeter ran payments through my bank account that were cancelled or should not had been processed I called on both incidents and was told to contact may bank to have those charges reversed My bank wouldn't reverse the charges because the error was not on their part The incident in FebI did pursue because it was taking to much time and energy so I took it as a $loss but for it to happen again months later is a bit much I have called 7-times attempting to resolve this issue with no successOn 7/I spoke with [redacted] 07/spoke with another repI spoke with [redacted] another day, [redacted] 08/1, [redacted] 8/ I do not have any money to be giving away due to no fault of my own
I recently received a copy of my credit reportThe credit report showed a credit inquiry by this company that I do not recall authorizing I recently received a copy of my credit reportThe credit report showed a credit inquiry by this company that I do not recall authorizingI understand that they shouldn't be allowed to put an inquiry on my file unless I have authorized itPlease have this inquiry removed from my credit file because it is making it very difficult for me to acquire creditPlease consider this as notice as I need prompt response to this issueIf you find that I am remiss, and this company did have my direct authorization to inquire into my credit report, then please send me proof of this, if not consider this notice a demand that the inquiry be removed from my credit report within days or I will be pressed to take further action, including legal, to have my credit report repaired
derogatory late payment reports to credit bureau I have paid this company on time each monthMy car was totaled and due to a mix up on my insurance's part, they received the payments many months laterThe car was completely covered and I eventually received a refund of almost $4,but not after many frustrating phone callsI also received many threatening letters from the company indicating that I owed them almost $4,and that my account was anywhere from days past due to days past due depending on the letter which seemed to come at random times with random datesThis has been a very frustrating experience and I hope this warns any other consumer from being a victim of this companyI have disputed these claims on all three credit reports and I won't stop until I have justiceThe whole point of paying such high interest was to help my credit - not destroy itThese guys are monsters who prey on consumersBuyer beware
I OWED 9621 ON MY CAR AND MYCAR WAS A TOTAL LOSS IN AN CAR ACCIDENT. I ASKED FOR THE PAY OUT WHICH THE ESTIMATED AT 2100K THEY ARE STILL CHARGING INT Mar car was a total loss a the time it was at 9621. I paid 2k ahead of time and now insurrance paid 5661. At the time they estimated 2100 but said the interest would be taken off final pay out. Not only did they not give me a break down yet as it is about a month and a half later, but said they are charging me interest until I pay off this balance. I have not been provided the final letter I am still being charged interest and I repeatedly asked for the final pay out. This is not fair especially when I have not car. and the Insurance has the title. My credit report also has not been updated to reflect my earlier payment.
I have contacted Customer Service and spoke with several different reps & Managers requesting to waive late fees & changing of my payment due date I have contacted customer service so many timesI have ask them why was I approved when they sent me a letter on 5/19/that they where unable to approve meI have also asked them if they could they waiver my late fees so I can catch up with the payment due to the fact that my disability check arrives on the 3rd of each monthEverything I have said and asked for is on recordingNumerous times spoke with a Manager requesting to have my due date changed to the same date my disability check is deposited so I won't have late fees & one Manager told a customer service rep that when I paid the past due amount that all late fees would be waived I have proof of all papers and will be glad to discuss in full detail over the phone
Company not providing correct information on steps required to do a state transfer of registration On 1/I called Exeter Finance to request that a title be sent to Reagle's Notary so that I could re-register my vehicle in my new state of PennsylvaniaI was informed by the agent that there was nothing I would need to do on my end to set this in motion and that he would send the request to Exeter's titling office where it would be both faxed and mailed to Reagle's Notary within to hoursTwo weeks later, on 2/2/17, Reagle's had still not received the title so I contacted Exeter again and was informed by a different agent that they had notated my account on 1/18/in regards to the fact that Reagle's would have to send a title request to ExeterThere was no follow up from Exeter between the dates of 1/18/and 2/2/to inform me that I would need to have Reagle's request the transferThere was no communication until I called to inquire whether the title had been sent to Re
Sold the vehicle my loan was onThe dealership paid the load, and Exeter proceeded to take a payment from my account anyways Sold my vehicle March 10th, the dealership paid off the loanExeter says they received the payoff on march but they proceeded to process an automatic payment on the When I called to ask why they processed the payment and for them to refund the money to my account asap ( as it is now -99) they told me I would need to prove to them that the payment needed to be refunded ( even though they confirmed all of the facts moments before hand )
Car was totaled due to accident,account was taken over by insurance by reported late since March Car was totaled March Insurance told me not to make payment because it would be covered with payoffMy account was reported past due unknowingly and once paid off it still shows that I did not make payments even though I was told not toThe late payments were not purposely and now I can not get a loan for a car because it is showing that I was late months on a car that I wasn't driving due to being totaledWhen I spoke to rep in July I was told that once car was paid that my report would be updated and late payments would be removedHowever, after speaking with a rep last week she stated that the late payments would show on my account because I was responsible for payments
I was draft double of my car payment on 2/26/i have provide a proof of payment on 2/19/the company advise me they refund the second payment with My car payment is auto draft for payment of $on 2/16/the finance company draft payments without my authorization I contact them and provide the bank statement to show that payment was honor by bank they advise me that would take to business days to refund as yesterday 3/4/i still have not receive the refund and when I call they stated they still need to confirm that the get paid twice I ask what else could I provide since the statement already reflect the double payment, just simple tell me that I need to wait on 3/another payment is due and right now I dont have funds to take care other bills because of double charge I ask for letter for my bank stating they made a error charge my account twice they denied I just want my funds back I should have it to wait the get back since I aready provide proof the payment was
I was told when I began my loan that amounts paid would apply towards interest and principalI made several payments that went towards interest only I have made several payments that were less than the entire monthly payment but was paid in addition to the monthly paymentSome of this should have went towards both interest and principle as I am trying to pay this loan off quicker to save on the outrageous interest rateI was told that I could do this when I started the loan and until recently learned that this was not the caseI have paid my car loan up until August 2017, however, I made small payments and the representative told me that since my principle is paid up until August that anything less than the entire payment will only go towards interestWhat would be the reason to pay of this is the case?
This company is refusing to stop reporting to the credit bureaus as days past dueThe loan was a charge off which it has been almost 2yrs Just want my credit fixedBy this company randomly reporting as days past dueAfter 2yes and months of a charge offThis caused mg credit to drop points in one dayDo you realize how hard it is for me to get that backI need Exeter to remove the late payments and put it back to a charge offOr if anythingRemove it all togetherIt's been 5yes since last payment
I am requesting all late payments be removed from my credit report as I have disputed multiple times I have disputed the late payments multiple times with exter financeThe late payments are not accurate and have been reporting to all credit agenciesI have asked for validation, not verificationThis is negatively affecting my credit report with all three credit bureausI am requesting all late payments be removed
Poor customer service and payment handling So July took out a loan for 19850$ at 23.22% apr 512$ per month paymentYeah dumb enough to take this loan only because car left me stranded at dealershipWhich by the way they didn't take in tradenvm that my beef is with the finance company not the dealershipSo have made all my payments to date on time payments and only knocked off a whopping 1,000$ of my principleTalked to afew payments and desided I'll make monthly payment then make principle payments knock the loan down so I can refinanceyeah ok till I was told by Exeter I can't make principle payments that any extra payment I make just goes towards next months billOk that's cool till inturest gets taken outBTW was told only 160$ of the 512$ per month is being put to the principlewell now this makes it impossible to not only pay off the loan faster but to refinance since none of the company's I've talked to will take on the loan cause loan to value is
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
I am trying to reach someone in the corporate office to go over my account I have trying for months to get in touch with someone who can handle financing for ExeterI have been trying to work out payments due to being sold a car which is basically a lemonI was given a half car fax and the car is damaged and needs a $transmissionAnd I have barely had the car a little over a yearI have been trying to work with Exeter reps to to resolve this issue to no avail
I sent in my septpayment in certified mail thy received it on sept 10,a employee signed for it but thy have not credited my account and keep calling saying thy did not receive it.I have the receipt provided by the usps,now thy said it was going to be reported to the credit bureau as being days past due.as of 10/05/thy refuse to talk to the employee about the payment being lost.the payment was a money order for $ Product_Or_Service: car Account_Number: account #XXXXXXX
Refund due I financed my Nissan Rogue with Exeter Finance in November On April 2, 2016, I was involved in an accident that rendered my vehicle a total lossSubsequently, on April 13, 2016, a payoff check from the at-fault's driver insurance company, State Farm, was mailed to Exeter Finance.The check was in the amount of $11,368.75, which was the amount provided by a representative at ExeterWhen I purchased the Nissan Rogue, I purchased an extended warranty with the dealershipThe extended warranty was for years or 100,miles, whichever came firstAt the time of the total loss, I had only 76,miles on the vehilceAfter speaking with Carmax (dealsership) they advised that they would mail the refund check of $to Exeter and they (Exeter) would be responsible for refunding the amount to meI have made several phone calls to Exeter regarding the status of my refund amount of $(approximately) and I keep receiving erroneous information from the rep
Fraud ,deception,negligence,covering up vehicle damage and rolling back the odometer to sell at a lower mileage I do have a report showing that ht this mustang from carmax in October of I have reported carmax to several different consumer protection agencies do to the fact they have committed fraud and deception inspire I got in touch with Exeter explained that this vehicle has cosmetic and mechanical problems and issues this finance company is in with carmax I explain to Exeter nothing they don't care I got sold a vehicle that has a thirty warranty from car max to fix it and correct what's on documentation nothing was done and I reported to Exeter they didn't care because carmax sold me a car that has over 10,dollars worth of issues and problems which I got told by several people that worked for carmax that these cars are reconditioned vehicles and I need to hire an attorney and take this to court this is covering up problems and this has to do with carmax and Exeter d
around July of I purchased a car for 22,and received a loan through Exeter financial Corp my monthly payment are @ 19.88% APR for monthsI recently spoke too Exeter concerning a PRINCIPAL ONLY payoff however I was only told the dailey rate that I pay in INTEREST, which is $a day I was told that my current balance was$17,; again I asked was this a INTEREST & PRINCIPAL payoff and didn't get a principal quote I decided to figure this out on my own, starting with a day at days equal INTEREST ONLYThis would leave going towards the PRINCIPAL Currently there is months remaining on this loan months mulpitied by PRINCIPAL ONLY payments of equals $12,091.20! Product_Or_Service: car loan
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
OVerdraft fees for bank account for payments that should not have been processed My husband is the account holder [redacted] account number XXXXXXX but this is going on too long without resolution.I have had seperate incidents on in Feb and most recently July where exeter ran payments through my bank account that were cancelled or should not had been processed I called on both incidents and was told to contact may bank to have those charges reversed My bank wouldn't reverse the charges because the error was not on their part The incident in FebI did pursue because it was taking to much time and energy so I took it as a $loss but for it to happen again months later is a bit much I have called 7-times attempting to resolve this issue with no successOn 7/I spoke with [redacted] 07/spoke with another repI spoke with [redacted] another day, [redacted] 08/1, [redacted] 8/ I do not have any money to be giving away due to no fault of my own
I recently received a copy of my credit reportThe credit report showed a credit inquiry by this company that I do not recall authorizing I recently received a copy of my credit reportThe credit report showed a credit inquiry by this company that I do not recall authorizingI understand that they shouldn't be allowed to put an inquiry on my file unless I have authorized itPlease have this inquiry removed from my credit file because it is making it very difficult for me to acquire creditPlease consider this as notice as I need prompt response to this issueIf you find that I am remiss, and this company did have my direct authorization to inquire into my credit report, then please send me proof of this, if not consider this notice a demand that the inquiry be removed from my credit report within days or I will be pressed to take further action, including legal, to have my credit report repaired
derogatory late payment reports to credit bureau I have paid this company on time each monthMy car was totaled and due to a mix up on my insurance's part, they received the payments many months laterThe car was completely covered and I eventually received a refund of almost $4,but not after many frustrating phone callsI also received many threatening letters from the company indicating that I owed them almost $4,and that my account was anywhere from days past due to days past due depending on the letter which seemed to come at random times with random datesThis has been a very frustrating experience and I hope this warns any other consumer from being a victim of this companyI have disputed these claims on all three credit reports and I won't stop until I have justiceThe whole point of paying such high interest was to help my credit - not destroy itThese guys are monsters who prey on consumersBuyer beware
I OWED 9621 ON MY CAR AND MYCAR WAS A TOTAL LOSS IN AN CAR ACCIDENT. I ASKED FOR THE PAY OUT WHICH THE ESTIMATED AT 2100K THEY ARE STILL CHARGING INT Mar car was a total loss a the time it was at 9621. I paid 2k ahead of time and now insurrance paid 5661. At the time they estimated 2100 but said the interest would be taken off final pay out. Not only did they not give me a break down yet as it is about a month and a half later, but said they are charging me interest until I pay off this balance. I have not been provided the final letter I am still being charged interest and I repeatedly asked for the final pay out. This is not fair especially when I have not car. and the Insurance has the title. My credit report also has not been updated to reflect my earlier payment.
I have contacted Customer Service and spoke with several different reps & Managers requesting to waive late fees & changing of my payment due date I have contacted customer service so many timesI have ask them why was I approved when they sent me a letter on 5/19/that they where unable to approve meI have also asked them if they could they waiver my late fees so I can catch up with the payment due to the fact that my disability check arrives on the 3rd of each monthEverything I have said and asked for is on recordingNumerous times spoke with a Manager requesting to have my due date changed to the same date my disability check is deposited so I won't have late fees & one Manager told a customer service rep that when I paid the past due amount that all late fees would be waived I have proof of all papers and will be glad to discuss in full detail over the phone
Company not providing correct information on steps required to do a state transfer of registration On 1/I called Exeter Finance to request that a title be sent to Reagle's Notary so that I could re-register my vehicle in my new state of PennsylvaniaI was informed by the agent that there was nothing I would need to do on my end to set this in motion and that he would send the request to Exeter's titling office where it would be both faxed and mailed to Reagle's Notary within to hoursTwo weeks later, on 2/2/17, Reagle's had still not received the title so I contacted Exeter again and was informed by a different agent that they had notated my account on 1/18/in regards to the fact that Reagle's would have to send a title request to ExeterThere was no follow up from Exeter between the dates of 1/18/and 2/2/to inform me that I would need to have Reagle's request the transferThere was no communication until I called to inquire whether the title had been sent to Re
Sold the vehicle my loan was onThe dealership paid the load, and Exeter proceeded to take a payment from my account anyways Sold my vehicle March 10th, the dealership paid off the loanExeter says they received the payoff on march but they proceeded to process an automatic payment on the When I called to ask why they processed the payment and for them to refund the money to my account asap ( as it is now -99) they told me I would need to prove to them that the payment needed to be refunded ( even though they confirmed all of the facts moments before hand )
Car was totaled due to accident,account was taken over by insurance by reported late since March Car was totaled March Insurance told me not to make payment because it would be covered with payoffMy account was reported past due unknowingly and once paid off it still shows that I did not make payments even though I was told not toThe late payments were not purposely and now I can not get a loan for a car because it is showing that I was late months on a car that I wasn't driving due to being totaledWhen I spoke to rep in July I was told that once car was paid that my report would be updated and late payments would be removedHowever, after speaking with a rep last week she stated that the late payments would show on my account because I was responsible for payments
I was draft double of my car payment on 2/26/i have provide a proof of payment on 2/19/the company advise me they refund the second payment with My car payment is auto draft for payment of $on 2/16/the finance company draft payments without my authorization I contact them and provide the bank statement to show that payment was honor by bank they advise me that would take to business days to refund as yesterday 3/4/i still have not receive the refund and when I call they stated they still need to confirm that the get paid twice I ask what else could I provide since the statement already reflect the double payment, just simple tell me that I need to wait on 3/another payment is due and right now I dont have funds to take care other bills because of double charge I ask for letter for my bank stating they made a error charge my account twice they denied I just want my funds back I should have it to wait the get back since I aready provide proof the payment was