Do you think Exeter Finance is not playing fair? You have rights under the law and we can help you at no cost to you. UDAAP is an acronym representing laws that prohibit Unfair, Deceptive, or Abusive Acts or Practices in the context of trade or business.
THE BEST PART IS…
If Exeter Finance violated the law, you may be entitled to money damages and Exeter Finance will pay our fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 312-300-5996 for a free consultation.
What is Exeter Finance?
Exeter Finance was established in 2006. The company specializes in auto vehicle financing, working with independent and franchised auto dealers in the US. In 2016, Exeter Finance reported a $3 billion portfolio valuation.
Exeter Finance Address, Phone Number, and Contact Information
Office Location
222 W. Las Colinas Blvd., Ste. 1800
Irving, TX 75039
http://www.exeterfinance.com/
+1 678-402-3000
Store hours unlisted
Refusal to Issue Forbearance
Consumers lamented that despite the pandemic, Exeter Finance refused to offer its consumers grace periods amid the mass layoffs and bankruptcy. Even those who’ve religiously paid their dues weren’t spared with the company’s rigidity.
Faulty Billing Records
Another major problem consumers had with Exeter Finance is with their inconsistent records. According to many of the reviews on their Better Business Bureau page, the company had penalized and even reported some of its consumers to credit reporting agencies despite accounts being paid in full or on time. This, consequently, affected the consumers’ credit scores and histories.
Claims Denial
Aside from Exeter Finance’s billing issues, consumers have also reported incessant claims denial. Numerous complaints recounted being denied their claims. Even with those willing to negotiate payments for totaled vehicles or those with major repair issues, Exeter Finance has shown clients no mercy.
Poor Customer Service
Overall, Exeter Finance has provided dismal customer service. According to complaints, the company has been unforgiving even with the tolls of the pandemic, has evaded consumers trying to correct billing mistakes, and has denied just claims. Additionally, its lines both phone and email were unreliable, taking weeks to respond with unhelpful remarks.
Unfortunately, rigid policies, erroneous billing, consistent claims denial, and lousy customer relations complaints are just the beginning for Exeter Finance. The company’s customers are left wondering what options they have regarding their consumer rights.
We Fix Complaints When Customer Service Won’t
Has Exeter Finance used misleading sales tactics? Have you received poor service? Do you have complaints with billing? Do you want customer service at Exeter Finance to listen?
A lot of Exeter Finance Corporation customers aren’t happy with their service and the Better Business Bureau lists 459 customer complaints against the company in the past three years, including complaints for billing and collections practices, problems with a service/product, advertising and sales, among others.
If your complaints haven’t been heard, we can help. At America’s Consumer Lawyer we help customers who have been mistreated by big companies–much like Exeter Finance–and we turn your complaints into resolutions!
We’ll not only file your legal demands with Exeter Finance, we’ll negotiate with the company. If your claim isn’t resolved through these negotiations, we’ll work through the legal process that is outlined in your Exeter Finance contract, which is typically arbitration.
America’s Consumer Lawyer gets results–including zero balances, refunds, and other compensation.
Here’s How to Make Big Companies Listen
It can be frustrating when you rely on a service and don’t get the results you’ve paid for. Big companies make mistakes every day and not only is it their fault, it can cost you money, time, and leave you with big headaches.
Have you tried calling Exeter Finance to address an issue, only to be told that the representative has no authority to do so? Or maybe you’ve tried talking to someone higher up in the company, only to be ignored, dismissed, or they take too long, continuing to waste your precious time. Maybe you’ve sent an email to the company which only resulted in a prefabricated response or they never follow through with what they’ve promised.
When you’re limited in your choices for service providers or you’re locked into a contract, what can you do?
Fortunately, you do have options.
Use Arbitration to Settle Your Complaint
Most companies like Exeter Finance have an arbitration clause in their contracts to prevent being taken to court for traditional litigation. This is actually an advantage for the consumer. When you request an arbitration hearing, an independent third party (the arbitrator) with knowledge of the type of situation involved will listen to the facts from both sides and make an impartial, binding decision. Exeter Finance will have to do a lot of work and there is no guarantee that they will have a successful outcome.
Arbitration is Fast, Inexpensive, and Private
Arbitration with Exeter Finance is conducted through the American Arbitration Association (AAA). According to the AAA Consumer Due Process Protocol, arbitration through AAA will comply with their Statement of Principles, which includes:
- The process is fundamentally fair – All parties are entitled to qualified, competent, impartial arbitrators who will conduct a fair hearing.
- You get access to all relevant information – This includes reasonable costs, confidentiality, reasonable time limits, and meeting times and/or locations that are agreeable to both parties.
- Transparency – AAA provides clear arbitration agreements and the ability for each side to hire their own representation.
- Just process – Arbitration allows the arbitrator to award the same relief as traditional litigation in a binding decision.
- Alternative to arbitration – Mediation and the ability to take the case to small claims court should be available in some cases.
Arbitration Gives you Control and Leverage
When Exeter Finance is alerted that you plan to pursue arbitration, they know it will cost them money out of pocket. Not only do they run the risk of losing the case, but they will also pay for their mistake(s) and the arbitration itself. This gives you more leverage with your demands.
If Exeter Finance doesn’t meet those demands and you have a real complaint, America’s Consumer Lawyer can help by representing you in arbitration where you will get a fair, just, and transparent hearing.
Control and Leverage Triggers Faster Settlements
Large companies like Exeter Finance don’t like the uncertainty and loss of control that comes with arbitration. Not only do they lose the advantage in the situation, but you’re also on equal footing with them in the eyes of arbitration.
The first step in taking on Exeter Finance is to formally raise your complaint. The lawyers at America’s Consumer Lawyer can help you to do so. We will send a letter of demands to the corporate offices of Exeter Finance, letting them know that you’re ready to begin arbitration if a satisfactory resolution is not achieved. Typically, this is 30 days, but it will depend on your specific contract with Exeter Finance.
Approximately 50% of cases will settle before proceeding to an arbitration hearing during this time. However, if Exeter Finance doesn’t offer a reasonable settlement within the appropriate time frame, the next step would be filing a case with AAA. America’s Consumer Lawyer will not only put together the necessary paperwork for arbitration, but we will also help you take the next steps in the arbitration process.
UDAAP and Arbitration
UDAAP is an acronym representing laws that prohibit Unfair, Deceptive, or Abusive Acts or Practices in the context of trade or business. This includes misrepresentation, deception, false advertising, or false promises. These laws emerged following the Dodd-Frank Wall Street Reform and Consumer Protection Act that was enacted in response to the 2008 financial crisis. The ultimate goal with these laws is geared towards protecting consumers involved in financial transactions, educating consumers on their rights, and allowing them access to information and resources to best inform their decisions.
UDAAP laws are regulated by two organizations, the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC). The FTC expanded the initial UDAAP laws in 2004 to include unfair and deceptive acts and practices. Some standards for unfairness, in particular, include if it causes or is likely to cause substantial injury to consumers, the injury is not reasonably avoidable by consumers, and the injury is not outweighed by countervailing benefits to consumers or to competition.
Every state has UDAAP laws, which can vary widely. However, the lawyers at America’s Consumer Lawyer understand these laws and can use them to get compensation for deceptive practices, representing consumers throughout the country in cases of arbitration at no cost to them. The company will not only pay the consumer, but they will also pay my fees as well. The consumer will never pay me a cent.
If you’re dealing with an issue with Exeter Finance, you might try filing a complaint with the BBB or the customer service team with Exeter Finance. Unfortunately, these avenues won’t always lead to a successful resolution for you, the customer. Instead, you may want to consider an experienced arbitration lawyer to take on your case.
Arbitration is a very useful tool for resolving disputes, and America’s Consumer Lawyer can help. With our expert guidance, we bring the big companies to the table and provide the support needed to get your bills corrected, credit reports fixed, improper fees refunded, and more. Let us pick up the sword for you; you have nothing to lose.
How Do I File a Complaint Against Exeter Finance?
We will use your state’s UDAAP law to file a complaint in Arbitration on your behalf at no cost to you. UDAAP laws include misrepresentation, deception, false advertising, or false promises. Under your state’s UDAAP law, you are likely entitled to money damages for your actual damages. Plus, the other side will pay our fees and costs. You will not pay us a penny. These laws emerged following the Dodd-Frank Wall Street Reform and Consumer Protection Act that was enacted in response to the 2008 financial crisis. The ultimate goal with these laws is geared towards protecting consumers involved in financial transactions, educating consumers on their rights, and allowing them access to information and resources to best inform their decisions.
People, First
We are proud to serve consumers in arbitration cases. We see you as a person, not just a client – and that makes us better at the work we do. We listen. We learn your story. And, as we help you get the money you deserve, we go above and beyond in a way most law firms never could and never would. Because we’re not just lawyers. And you’re not just a client. We’re friends, neighbors, family. We’re all people and here at America’s Consumer Lawyer, we put People, First.
Share Your Complaints Below Against Exeter Finance
We encourage you to post your complaints about Exeter Finance. Sharing your complaints against this big company can help other consumers understand what to do when they have problems with this company. Sharing your experience may help someone else!
Submitted Comments
1. I was on active duty. I called them and told (Exeter) that I was not going to have access to pay my car. They told me to send in some form which I did. I was on orders from the Army. The day before my orders ended they repossessed my car. I called them and they told me that actually that wasn’t the right paperwork they gave me and that I have to pay to get my car back.
2. I worked for the Army. Nobody was getting paid. I called them and told them and the representative told me that I should just be homeless and not pay my rent. When I was literally crying asking for resources or help after months of consecutive payments he said it wasn’t his problem the Army wouldn’t pay me.
I believe I’m in a predatory lending contract. I’ve paid so much towards my car and still have a large balance, I believe it has all been applied to interest. Exeter has given me extension\'s on my contract. I don’t know what to do anymore. My car now needs work and I can’t afford to pay for car payments and fix all the things wrong with it. I don’t want to surrender the car because it will hurt my credit. I need help.
I don\'t even know where to begin. I got a 2015 Buick Enclave 7/7/2023. The total cost was 13,500. I paid 8500 for a down payment. After my truck was repoed, it states I owe 11000. I\'m not understanding. Now I am carless and my credit has been hit. Can you help me?
I’m dealing with Exeter finance and their predatory ways I’ve had enough
This is in regards to Exeter finance.
The best time to reach me is between 11:00 am - 2:00 pm.
Thank you
I was penalized and Exeter attempted to charge me $3000 in interest on an auto loan. My situation occurred during the pandemic when I contacted Exeter to alert them about late payment as my employer figured out the ppp program. They used deceptive practices and offered a courtesy \'hardship deference\' where they\'d simply move payment to tail end of loan. My last payment to them was in 2023, at which time they told me there was an interest payment/penalty of $3000. My loan term was 72 months and I made 74 payments. Requested my lien release and title and they refused. I reiterated that I would not pay any penalty as the language was deceptive and terms like courtesy and forgiveness were repeatedly used during the \'hardship\'/early COVID times. I would not have accepted their courtesy had it been disclosed that by alleviating the immediate hardship, they\'d provide an even larger financial burden later. Shameful practice and misuse of language. They have been an anchor on my credit for two years and recently that debt was taken over by midland management who just began hitting my credit. I cannot imagine I am the only one that was deceived and mislead only for them to attempt to capitalize at the end of a loan. I cannot sell my car as I have no title. They had offered me 3 settlements in the two years which I did not accept. In looking at the account on their app today, it shows since last payment in 2023, there was activity on their end (about 10 adjustments) with credits, fees waived in March of 2025 before the disputed debt was assumed by Midland. I have all the documents and payment history and need to restore the damage they\'ve done to my credit.
I have on payment left with Exeter Finance but I am just concerned about (1) my interest rate I was charged in 2020 on a 2015 Honda Accord (24.10%) I just would like my file reviewed. I googled some things about the state of Texas and the amount I was charged in Interest & I am just wondering if this whole thing was shady. Maybe I am wasting my time with this matter but I wanted to get some guidance.
I believe Exeter Finance has practiced predatory lending with my contract
I need to get the late payments removed on my credit report from Exeter Finance.
Hello I need help against Exeter they have scammed me and my wife
Have submitted complaint on exerter finance on unfair billing practices. Have submitted complaint with CFPB on many issues that hasn\'t been resolved and is causing much stress
I believe I am in a predatory loan through exeter finance. My interest rate is 28%, somewhere I saw that it may actually be 29%. My payoff amount is higher than the original loan amount.
sent a payoff amount by fedex to exeter on dec 13, talk to a lady on dec19 who said she found it and gave it to prosses company then talk to her on the 2 January and she said she gave it to them thrn on 7 ,8,9,10, exter fiance investigated it andtalk to the lady i talk to and she said she never talk to me . help me its a huge check
Exeter Finance subprime loan, fraud, etc
I made a loan threw One Main Financial company to pay off my car they cut the check on Dec 19th and mailed it to Exeter Finance they also sent a copy of the Pay off Ck to their fax no to show that they issued a payoff Check that was on the way. I just looked out my window and they repo my car I paid them 4 total payments this month of $478.00 a total of $1912.00. They said my car matured. Will you please call me back. I gave them the details also they spoke with One Main Financial gave them the pay off quote. They called me about 60 times this month.
I\'m in a contract with Exeter finance since 2020 and the car was about 16,000 and and so far I\'ve pd 19000 and I owe 14,000 to own the vehicle I was never told by Carmax the rates because it was during Covid and this was hidden in the contract the just repossed the Vehicle yesterday and this car been paid off
I purchased my Subaru outback from the Toyota dealership in Chesapeake Virginia November 2019. I put $5,000 cash down at the time of sale and NOT ONE PENNY of that was put towards the sticker price of $11,999. I signed a 5 year contract $370/month… it is now 30% interest and I didn’t sign on that amount! This month in 2024 (November), marks the 5th year and I have 100% on time payment history! According the Exeter finance, I’ve only paid 64% of my car loan and it currently sits at $4204! On top of that, I have to hold full coverage insurance at $251/month with State Farm until this vehicle is paid off! And the worst part, I’m pretty sure this vehicle was a lemon because THE ENGINE BLEW AND IM NOT EVEN DRIVING IT!! HELP ME GET OUT OF THIS NIGHTMARE!! PLEASE
Hi I have a horrible loan with extra finance. No matter what I pay on it nothing changes. When I signed for this loan I was told if I paid 6 months of payments I could get out of the car I got. I stated what my plan was and did not understand. The kind of loan I got my car is so over valued I can not even refinance it. to trade it in without having a payment above 1,000 no will touch the car. I was lied to by the dealer. And I am also in a loan that will never end no matter what I pay. I am looking to see if there is anything I can do. against this as I have scene review after review of people getting screwed by Exeter. I am at a point where I can not afford my car and can not do anything. be cause its value is nowhere near what its worth. I still can not understand how they got this loan approved in the first place with how over valued the car is. I owe 26598 and the car is worth 14 if I\'m lucky. it\'s a 2021 maxi 3 hatch back. Also when I bought it a year ago I felt very pressured and they ran my credit 22 times. When I tried to leave they said good luck getting financing. I have been completely screwed with this car and I am trying to see if there is anything I can do.
Against exeter finance they wrongfully repossessed my vehicle after my loan matured and they claim that I owe them a large ballon payment after receiving 9 payment extensions they never told me that when I agreed to get payment extensions they said it will extend my loan
I paid the agreed settlement, and now they are saying I still owe over 17k. I paid the settlement on the 18th of September with the understanding given by exeter that I would have my title in 39 days. I called on day 42 to inquire about the status of my title coming in to me when I was informed that the debt went to a collection agency named resurgence, when I called resurgence they said they had to do a title search which confused me then I called resurgence today they told me that they don\'t have the account and to call exeter. I called exeter, and I was told that I owed 17k but I had settled and paid it on the 18th of Sept. I told them that they need to recheck that because the account was settled. Now I\'m getting the run around with no answers as to when I will get the title.
I financed with Exeter Finance back in June 2019 for 72 months however I paid my car off in January 2022. I was not only charged more interest than my signed contract, some of payments that I made 100% went directly to interest, not the principal especially my very first payment.
I need help I am beening over charge and they are not paying on my principal I need help
I am making payments on time Exeter is putting my payments in weeks later then charging late fees. They are also not putting my payment towards the car because they claim im still paying if interest. I asked how much and they told me I am paying untrrest by the day.
I purchased a brand new 2019 Nissan versa in 2019. Total cost was $14,995. It’s now 9/2024. And I have paid 49 payments of $498 for a total of $24,500. Exeter still wants another $14,995 to pay the vehicle off.
I have two months left of my loan and they are hitting me with 9,000 in interest because of deferments. these are hidden fees I knew nothing about
In November of 2018 I purchased a vehicle from a local dealership in the area. Initially, I was told the car payment would be a little over $400 a month when I came back two weeks later to purchase the vehicle after putting a deposit down to hold it I was told that Exeter finance company increased the monthly payment to $559 a month. During the pandemic I experienced a Significant loss of income and struggled with monthly payments, there was no grace period given like other finance companies offered the only option was to tack on the payments to the end of the loan. This was the only way to avoid the vehicle being repossessed. I received notification recently the final and last payment of $10,000 is currently due on this vehicle. Amount financed was $17,000 and the loan has reached maturity and I still owe $10,000. I know I have probably paid for this vehicle 2-3 times.
I got a car from the Nissan dealership here where I live they told us the APR would be 11% based off of my sisters credit so we signed the paper work in which she was supposed to be the cosigner. I kept asking them did they have it correct they did yes. They connected me with Exter Finance in which boosted my APR up to 29 % it is now 6 years later and it have reached my maturity date as of June of 2024. I currently have a balance of over 13,000 dollars in which they are seeking all up front although I offered a payment plan. I payed 497.85 for 6 years. They have received well over 20 something thousand dollars from me and the car was only 11995 at point of sale. I have paid for the car almost twice please help they are threatening repossession.
Maturity date has expired and still paying to get it down weekly, threat of repossession.
I am a victim of Exeter finance. Its seems no matter how much I pay my balance never changes. I’ve had my vehicle since 2017!
Exeter finance repossessed my 2017 car after 4 years of having the car. The interest rate was %27.9 over the max allowed in tn and the manager would not allow me to pay the amount due to cancel the repo, saying because the repo ppl were already there now!
Good afternoon,
I would like your firm to help me in regards to a car I purchase in 2022 I believe I was giving missed information, thank you.
My Honda was stolen back in January before that I was making payments on it regularly it was stolen by some teens. My car was missing for like 2 weeks and I had to rent a rental car which was expensive. I found my car the police would not let me nobody helped me. I begged exeter to stop the payments . Called them immediately when my car was stolen. They decided to let the payments continue and then they decided to repossess my vehicle. My vehicle was stolen I asked them for help instead of stopping the payments they let the payments continue. I could not keep up now they repossessed my car . I ned it to move around and I got stuff inside my car
Exeter Finance is charging me too much in interest and I am beginning to get behind on my loan because of it.
Exeter Finance has not changed the dates of my payments, has added daily interest onto the life of my loan for payment arrangements, makes multiple calls per day to my cellphone.
Exeter Finance has not changed the dates of my payments, has added daily interest onto the life of my loan for payment arrangements, makes multiple calls per day to my cellphone.
Hello sir, I would like to speak with you regarding my experience with Exeter Finance LLC. In the beginning of Oct of 2021, I traded in my paid off 2008 duramax for a newer Gmc Sierra 1500. I knew it was a higher interest rate than normal, I just figured I would put more down towards my principal each month to help catch up. That was my first mistake as the first few \"extra \" payments were applied to my account with interest. They said they couldn\'t do anything but credit my account. Fast forward about 6 months. My auto draft payment gets returned. I get no explanation from them other than insufficient funds , check with your bank. (not applicable as my company is leasing the truck for me for tax purposes). After explaining that, I had the auto draft payment privilege revoked, and I have to pay online every month. Everything has gone as scheduled until March of this year when my payment was returned, and the online option to pay is unavailable and prompts me to call their 1800 number. I call, and they recommend paying online for faster \"service \" . I always seem to get an ungodly long wait time. I let it roll one day in the background and as soon as it was my turn, the call dropped. When I called from my wife\'s phone, it was a 10 minute wait time and I was informed that the only way to pay now is with western union or certified cashiers check. I have never encountered any loan company that uses these tactics. I make decent money for my area, and I have no problem paying my bills on time. I feel like I\'m the victim of a predatory loan and I\'m not sure what to do with it. They are wrecking my credit denying payments, and I feel like they WANT my vehicle to be repossessed. It seems like it would be bad for business by making it harder for your customers to pay. Feel free to email me as preferred method of contact due to spotty cell phone reception, but if you do happen to call or text, I will get back to you as soon as possible. Thank you sir, and have a great day!
I got my car thru Carmax thinking I would be able to get a car I could pay out quickly and not be charged alot of interest. Well, that was a lie. The dealer got me approved with Exeter Finance and I have been paying on a simple interest loan for over 2 years. To add injury to insult, it\'s a 2011 buick lucerne with a blue book value of around $4500! I can\'t refinance b/c it\'s older than 10 years old and I feel stuck. Is this even legal?
Exeter Finance and my gap insurance GS administrators (that are in partnership) have taken more than 3 months to process my claim. My insurance rep sent them all docs immediately. First time I called I asked if I needed to do anything else. I was told that everything looked fine and it takes 21 days to process the claim, I wait and call back to see why I haven\'t received anything. Apparently, my claim was skipped because I was missing documentation. I submit it and have to wait again. I always get a run around and poor customer service when I call, I was told multiple times not to worry about having to pay my car payment while this processes, now I owe $1,900 because that was a lie apparently. I received a phone call last week that more than 50 days past due and are trying to do a settlement and are acting as if they are creditors. They keep giving me incorrect amounts that I owe. Their rep is explaining to me that signing this document and settling to pay $534 will not affect my credit. I do not trust them at this point and want legal advice.
I had to defer 4 payments with Exeter during covid and now I have to pay an extra 5000 dollars for a national crisis that isn\'t fair. My loan was supposed to be payed off by March and told me I\'d have to pay till September now they are saying next year I\'m disabled and this is not fair. Is there anything I can do?
Financed a vehicle through Exeter finance, first of all their interest rates are insane and customer service is horrible. I recently encountered an issue with them. I noticed the copy of the vehicle tittle attached to my documents was under someone else name and information, when i called them about it they stated it was an issue with the dealership not them. They proceed to say that i had to contact the dealership and figure out what was going on. I went in person at the dealership and they stated they had nothing to do with this issue because they had already submitted the tittle/ registration application. After finding this information out i then called Exeter the next day and explained again the issue that i was having. The representative i spoke to stated he couldnt trace or find the log information of my call the day prior. He then stated he didnt understand hoe something like this happened and stated he would be transferring to a manager. The manager gets on the phone and states in order to fix this issues, which she had no idea how something like this happened she needed to send a verification form to the tittle department. I asked the manager if i could be receive a copy of this form she needed to fill out or an email with the requests being made. She stated that was illegal and that she wasnt going to be able to provide anything in regards to this. But that i should see a change in new tittle information within 72 hours.
I\'ve had this company for 2 years and it\'s been nothing but a headache they(Exeter Financing) has changed their sign in page 3 times making it so I\'m late paying and charging me $130latefee. I\'m 2 months behind now have screen shots and was told by SUBARU that they no longer deal with themI can\'t get onto this app at all!! And no one will help me refinance
I purchased my 2019 in Phoenix, AZ with a $4500 down payment. I think the dealership (who said they had to pay Exeter to make the loan) kept the money because Exeter said they didn’t get it.
I’m addition, Exeter has tacked 27 fees onto my account that shouldn’t be there. I’m so upside down that I’ll never be able to pay off or trade in this car.
I have been with Exeter for a little over 3 years and my balance has never decreased. When I lost my job and had to move, they were not willing to work with me or lower the payments. It was by far the worst experience I am still having!
Paying on time $545 for going on 3 years and only $1000 has come off the total balance of $20,000 for a 2019. Refuse to put payment towards principal even after requesting.
I\'m having a problem with Exeter Finance. They deferred payments for my loan during Covid but in addition to adding 8 additional payments, they also added nearly $10k in additional interest.
I have financed a 2013 Ford Explorer and it is a defective vehcile. I financed in 2021 and until 2023 I had to install new engine, transmission, axles, all suspensions parts and more. I tried to contact the auto center where I purchased and they said they changed management. Exeter financed hasn\'t helped at all, the loan amount is still high with high interest rates.
Exeter is the lender whom financed my Jeep. The interest they charge is outrageous!!! Because I had gotten an extension at one point they were charging me $15 a DAY in interest!! I literally have been upside-down on the car since I drove it off the lot! I have been forced to file bankruptcy for me to get out from under this horrible loan and loan company!! It should be illegal to charge that amount in addition to the regular interest rate..At the time of my bankruptcy filing—the amount owed on my car has almost circled back to the original loan balance!!!!! They are shady crooks—-they don’t offer any other options which really screws their customers.
Exeter finance started calling me multiple times a day on one auto loan account which was being paid monthly. They have different amounts owed for my account online and on paper, and when you contact them by phone. Despite making payments, negative credit reports were filed despite my payments to them, ruining my credit score.
I got a Mercedes in 2020 and it was finance with high interest rates above Florida State Law. Due to high interest rate and Covid19 pandemic, I fell short and my Car was repossessed by Exeter earlier this year. They have sold the Car and I reached to them to issued me 1099. The that I was transferred to was so rude harassing and asking me on when I am going to pay my balance. I informed her the reason I am calling is to get a copy of my 1099 for tax purposes, but she insisted on getting a response on when I am going to pay the balance. After then, I started receiving mails and emails from them stating that they know I undergoes financial hardship, therefore I should pay 10% of the remaining balance before they send it to collection. This sound like a threat, harassment, and robbery. How can you ask me to pay for a property you have already taken from me?
How can you ask me to pay for something you have already submitted to credit bureau as sold and a charged off, which means you have already made your money?
How can you threaten me to pay you more money else the debt you have already submitted as charged off will be sent to a collection agency.
I\'m trying to find out if Exeter finance had the right to repossess my car. My car was involved in an accident and the person driving it was excluded from my insurance which I honestly didn\'t know what that meant are it wouldn\'t have been put like that but my insurance wouldn\'t pay for the damages nor would the lady who caused the accidents insurance so my car was in a tow yard we\'ll exeter went and repossessed my car grant I\'m not behind on payments. Now they want me to pay all this money on the car to get it back before they send it to auction. Was it legal for them to do that?
Even though I pay my Exeter payments on time, they’ve reported to the credit bureau that they’ve increased the amount on my account by $101. This has negatively impacted my credit and when confronted about it, they can not explain where the $101 increase came from. In fact, they told me they don’t see that on their end at all. If that’s the case, why report it to the credit bureau? I told them I would pursue this matter in a legal capacity since they refused to correct their mistake.
All of my payments starting from Feb 2022 till now have been to interest and not the principle. They are claiming I am in default and show I have only paid $1000 to my principle.
I have a 2013 Honda I got through Exeter July 2020 and my balance has not changed! If it keeps going this way I will be paying over 30,000 dollars for a car worth 8,700. Its making my financial situation very hard for me and my kid!
Complaint against Exeter Finance, the financing rates, they are a predatory lender, and repossessed my car in the downward spiral of COVID while I was busy making payments and talking with them to get myself caught back up. Need advice.
Repossession collection debt
James & Casetha
2 years ago
Exeter Finance- Faulty Billing Issues, Poor Customer service, claims denial, reporting issues not correct. we purchased our vehicle in 2016 paid out in August 2023.
we have paid over 62,000 for our vehicle twice. and they came up with more fees.
James & Casetha
2 years ago
Exeter Finance- Faulty Billing Issues, Poor Customer service, claims denial, reporting issues not correct. we purchased our vehicle in 2016 paid out in August 2023.
we have paid over 62,000 for our vehicle twice. and they came up with more fees.
Last August I financed a 2018 Nisan Rogue with Exeter Finance. At that time, I was struggling financially due to being in the midst of a divorce, behind on my rent and having my car repoed. I was happy to get financed through Exeter as I thought I had no other choice, and was simply just looking to make sure I could still get me & my son around without disrupting our lives. Well my interest is extremely high, and a few months later my car was repoed. My good friend took out a personal loan so that I could get my car back which added yet another bill to my mountain of debt, and yes I have continued to struggle with this payment. No matter how much I pay because of the interest it always says I have a payment due of over $2,000. I am definitely a victim of predatory lending, I want help with this loan and I want out.
Last August I financed a 2018 Nisan Rogue with Exeter Finance. At that time, I was struggling financially due to being in the midst of a divorce, behind on my rent and having my car repoed. I was happy to get financed through Exeter as I thought I had no other choice, and was simply just looking to make sure I could still get me & my son around without disrupting our lives. Well my interest is extremely high, and a few months later my car was repoed. My good friend took out a personal loan so that I could get my car back which added yet another bill to my mountain of debt, and yes I have continued to struggle with this payment. No matter how much I pay because of the interest it always says I have a payment due of over $2,000. I am definitely a victim of predatory lending, I want help with this loan and I want out.
Hello.., I purchased a 2016 Kia Sorento used under the finance company Exeter Finance. This experience has been a nightmare with the life challenges I have experienced. I have had my vehicle for a total of 4 years. My father was diagnosed with cancer, my husband was in a severe car accident and out of work for 2 1/2 years, my grandmother died during Covid in which I was responsible for caregiving and taking care of all of them. Although payments fell late at times I still managed to pay them and only was requested to speak to some to ask for grace of them not continuing to keep added late fees and late marks to my credit report as I was informed it is possible for them to remove them. I am having trouble refinancing due to the many late fees showing on my credit and it is the ONLY ACOUNT ON THERE THAT IS SHOWING LATE FEES! They don’t allow you to speak to anyone to resolve this matter. They are horrible when it comes to the customers.
hey my name is George I bought a car on November 15 2022 and I have a lot on concern when is come down to the contract so when I got to the dealership I told them my credit was not good and they said okay well you going to need a good size down payment we had no problem with that so we put 5000 dollar\'s down and then we signed the contract well upon reviewing the contract we saw they took the 5000 but we saw some more fees we where unaware at the time of signing witch was 3571.82 for gap highway use tax doc fee and such so we called and asked why there where more charges they couldn\'t give us an answer so we got our first loan statement and it said we owed more to the car so we immediately called the dealership and asked them where our down payment went to and they said it went to fees like gap highway use tax doc fee and such contract warranty so we where like okay but why is there 3571.82 added to our loan like gap and service contract and highway use tax doc fee they couldn\'t answer our question so I need help because I think they added more fees to get more money for them I would appreciate if you would take the time to look over this matter for thank you George jones
I have had my 2019 Chrysler 300 for over a year now my payment is almost 800 per month. My vehicle was already used when I bought it and was previously involved in an accident. Exeter says my pay off total is over 30K which would be the equivalent of a brand new Chrysler 300. I have fallen behind in my payments due to previous health related issues at work and they will not work with me to lower my payment and they don’t refinance. Despite my efforts to get the car payments caught up they charge me extremely high interest rates per day (over $17 per day!) Including late fees and any other fees they want. I can’t get rid of this car despite my efforts of trying to either lower payment to something I can afford or trade it in because I owe over twice what it’s worth. Please help
I have had my 2019 Chrysler 300 for over a year now my payment is almost 800 per month. My vehicle was already used when I bought it and was previously involved in an accident. Exeter says my pay off total is over 30K which would be the equivalent of a brand new Chrysler 300. I have fallen behind in my payments due to previous health related issues at work and they will not work with me to lower my payment and they don’t refinance. Despite my efforts to get the car payments caught up they charge me extremely high interest rates per day (over $17 per day!) Including late fees and any other fees they want. I can’t get rid of this car despite my efforts of trying to either lower payment to something I can afford or trade it in because I owe over twice what it’s worth. Please help
Exeter Finance has reported to Transunion I was late 30, 60 and 90 days late. This is totally inaccurate I have all my statements I paid every month there was a 22.00 late fee that had been carried over however my monthly car payment was paid prior to 30 days. They are unwilling to take ownership.
I’ve had my car since 2022 with Exeter and all payments have been made and everything was fine til this past month. I made 3 different payments in may and 2 out of the 3 were posted on Exeter side but on my side all 3 payments have been taken from them. They have been giving me the run around for the last 7 days. They keep telling me to send emails but when I send an email they are saying they didn’t get any emails from me. I find it very fishy. And now they want me to send another email with more proof and I just don’t get why I would have to do that when they aren’t even getting the emails I already sent. They also can’t ever give me a straight answer on anything. So hopefully my bank helps because Exeter stole my money and they have no idea what’s going on and pretty much calling me a liar.
I have had my 2017 ford expedition for over a year now my payment is over 800 per month. This vehicle is only booked at 15k and Exeter says my pay off total is over 37k ! I have fallen behind in my payments due to loss of hours ant work and they will not work with me to lower my payment and they don’t refinance. I can’t get rid of this car despite my efforts of trying to either lower payment to something I can afford or trade it in because I owe over twice what it’s worth
Ive been with this company for 3 years now , even during COVID-19 when my hours were effected even when I lost my job & got in to an accident with the same vehicle , I paid off 6,000$ of my own hard earned money but March 2023 they had over 41 unauthorized transactions on my account which brought me back to 10,777 $ now I am almost back to the original finance amount , and when I speak with member of the company they are complete clueless. please help !
This company charged my bank account $1,234 when I don\'t even have an account with them. I filed a claim with my bank for fraud but I also called exeter finance to see how this could have happened. They let me know since I don\'t have an account number with them they couldn\'t help me. I asked them how someone could use my routing number and account number and if they had anyone verify my information with my bank (if they did it would have been flagged). I received no help from them and they refused to let me talk to a manager
So about 5 months ago I feel behind in my car payments and ultimately had my car repossessed despite contacting Exeter numerous times begging for help. I told them that I would make a payment to stop the repossession from moving forward they then told me they would wait the extra 2weeks so when I got my workers comp payment I could pay them. Well they came out that very weekend on Sunday as a matter of fact and took the car anyway. I called them again on Monday morning and asked why they would tell me they would wait then come take it anyway and they said they weren\'t going to tell me when they were gonna take the car in thinking I would hide it from them. I continued to tell them that I would follow what I started the week earlier that Friday I would have the funds to make the payment. Wednesday I called again just to reiterate my plan and they\'re acceptance of it...I was then told that because it was repossessed it could say any time be sent to auction and that I would be responsible for collecting my vehicle but that it was usually kept in the same state at worst a state over. They also told me that I could submit a request to hold the vehicle at the yard where it was and that would prevent it from going to auction. After giving them all the required info and was told they would wait until Friday. Friday comes and I did add I said I paid all the fees and got the car released back to me but I first had to contact nmi to find out what yard had it and then schedule a time to pick it up. I spoke to them he gave me all the info I needed only for me to find out the yard was closed and wouldn\'t be open until the following Monday further the other of the yard called me back and started the car was not in his lot that Exeter came and picked it up the prior Tuesday and took it to auction . I called nmi back and he said that yes it was in fact no longer at the yard that I would have to contact Exeter to find out what auction they took it to he then asked if I would be making a payment to get the vehicle back... Bewildered I said to him I had already made my payment that he already gave me the info for where the car was supposed to be being held he stated he never spoke to me after going back and forth with him I hung up. I called Exeter back and they said they took the car to West Virginia!!! I\'m in pa. !!! I said my loan was already reinstated and that I wanted my car back they told me I would have to go ahead pick it up myself because they don\'t request the transport company to bring the car back and I was then hung up on. I contacted the attorney general of consumer affairs and told him all of this and was called by Exeter\'s corporate team almost immediately. I signed an agreement them that said they would pay me for the damage done to my vehicle by the transit company and the month I was without my car as well as Diego charging me for the time I didn\'t have the vehicle. . I sent them all the documentation and requested for all the estimates for the damages they did cut me a check about 2 weeks after I sign the document and I hope that that was it everything was done and over with fast forward to today only 3 months later and I had spoken with Exeter numerous times because they failed to forgo the entire month that they were supposed to release me from a payment and build me for it anyway and within 3 weeks after all this was supposed to be over with they started their collection practices again saying that I was 60 days overdue I informed them that I was not that they failed to take that month that I didn\'t have my vehicle that the vehicle was down in West Virginia they didn\'t take that off the loan or put it on the back of the loan that they then charged me late fees on top of it and that I was not going to pay them until it was corrected again fast forward to today I got a call saying that my car was going to be repossessed again even though I informed them that I had reached a settlement agreement with my workers compensation and I would be buying the car outright next week so I could be done with Exeter The lady informed me that there was no relief for me that they could not help me at all that they had to have a payment the day they contact me I guess the day off and when I told him that I couldn\'t pay them today they said well where is the vehicle currently held and I told him at my home they asked me the color of the vehicle she then asked me who the primary driver was I then told the woman that she could try and low try and threaten me and scare me but that I couldn\'t give them what I didn\'t have nor was I going to pay for a month when I didn\'t even have my vehicle they had it and it was supposed to be in our settlement agreement further I requested an extension so that it would bring me current they can put it on the back side of the loan which I have never done and never asked for a single extension that one time she told me that I in fact did get an extension and it was for the month that I was inquiring about where they were supposed to forgo that month\'s payment because I didn\'t have the vehicle they basically said well we gave you an extension instead and because we did that we can no longer give you another extension and it didn\'t bring your payments current at that time you were already behind The only reason I was behind is because they didn\'t do what they said they were going to do so now I\'m at risk of losing my vehicle yet again and they will not work with me at all even though I told them that I was going to buy the car outright next week this company is absolutely horrid their customer service is crap they are the worst people you can possibly want to work with! I\'m currently about to write to the attorney general yet again to stop them from doing this to me further I just feel like I\'m getting messed with toyed with threatened consistently they call me 6,7,8 times a day I\'m just I\'m done with it.
Exetor finance financed a vehicle with me back in 2020. I got the vehicle through carmax. The vehicle has been in and out the shop for repair the whole time Ive had it. I fell behind on my payments and was going to pay for my past due ballance. Unfortunately my axle fell off costed me 2200 dollars. I could not bring current. I called exetor to workout a plan to get me current. At the time I owed them 1600 dollars. I had 1700 dollars. They would not accept my payment and told me that they want the full amount for the vehicle 12000 and some change. I did not have that. I called them for 2-3 months to get my account current but they would not accept my payment. I got into an accident. I called exetor to tell them the the car has been in an accident and I would still like to make my account current. they accepted my payment. I waited 3 months for insurance to tell me that the vehicle has been totalled. My adjuster tells me that the vehicle has been paid off and that there maybe money owed to me because I paid extra for the warranty.I fiound out exetor took that money and still was charging me interest and payments and still planned on reposessing my car after I made my payment to bring my account current. I was on the phone and they literally told me that they were still going to repossess it after I made the payment when I called about the money they took for the warranty that I paid for through carmax. Then told me that I still owe 2000+ dollars now. now its on my credit stating that I owe them 4100+ for a vehicle that has been paid off by insurance. They charged me for no reason the car was involved in an accident and was deemed a total loss I had gap insurance on the vehicle and I brought the vehicle current during that time. I did refund my 1600 through my bank because they basically were going to steal my vehicle from me after making me belive I did not have to worry about getting my car reposessed after bringing the account current, then telling me that t
I have paid exter over 17k and my loan was 17k they say I still owe 15k due to the 25% interest rate.. How can I get out of this?
After several months of trying to make late payments and an agreement was reached, my car was towed on my property (my car was inside the driveway of a manufactured house) without prior notice they took it... I called them several times to see what This is what had happened when reaching an agreement to comply with the policy, they told me that I had to make a payment so that my car would not be auctioned... when trying several times to speak, each time they told me a price, then they told me another , etc.. increasing the surcharges... at the end of several days they told me to pay $1,730 dlls. and will present the police replacement voucher which pays $15.00.. which payment was made on 06/03/2023 at 2:33.51pm. I told the Exeter finance company that everything was ready and they gave me a tel. To make an appointment to pick up my car, it was (818) 381-8333, which when I spoke, they told me that my car was no longer there, that it was in a place to be auctioned... I contacted Exter Finance again on 08/03/ 2023 at 11:05 am and it was the same story... which weekend they close early and that I speak until Monday 03/13/2023 to see what can be done, while the price of surcharges and payments that they raise they put... therefore I have not received any email or letter by mail indicating that it will be auctioned... Exeter financial has acted in a deceitful and lying manner... not to mention that before they spoke to me 2 to 3 times a day ...I hope you can help me since it is a quite severe stress that is causing me health problems. Thank you, I await your response.
I hope my message is understandable since I am using a translation tool (translate)
Thank you again.
Me and my husband got an auto loan through Exeter. It was a used car. They gave us a highway robbery interest rate of 24%. The car motor blew up 4-5 months later and cost more to fix than it was worth. We kept paying on it for awhile trying to see if we could find a fair priced way to fix it. Eventually we couldn’t. And then we lost our jobs due to covid so we told them to come get it as we were doing a voluntary repossession. They took months to come get it. We kept calling. They kept charging us fees and the payments. They finally came and got it and are trying to say after selling the vehicle totaling our payments etc that we still owe them 10,900 and something dollars. When there’s absolutely no way. When we added up our payments plus the payments made after they sold the vehicles we owed them maybe $3,400. They are trying to rip us off over $7,500 it’s absolutely ridiculous! We have two little children at home we can’t have them trying to screw us over like that and we don’t want them taking us to court and winning and us being ripped off for that amount when the loan was for 15,700. That 3,400ish we still owe plus our payments we did make plus the payments made from selling the vehicle adds up to the $15,700 we signed a contract for. They’re trying to take us for so much more. And they’re trying to take us for fees that are their fault because they didn’t come get the car the numerous times we called for them too. Plus we were told in the beginning the interest rate was 14% and we later see on the paperwork that we were kept from seeing that it was 24%. I have screenshots of the payment history on THEIR website so there’s no reason they should be claiming we owe more than 3400$. Please help. They’ve treated us horribly from the beginning. The customer service was always rude and never helpful. And I believe the dealership and Exeter knew that the car was junk when it was sold to us because the salesman said he wasn’t sure that he could get us anything too fancy or new as we were 20 with not the greatest credit as we were just starting out. But his finance manager comes out on the phone with Exeter to tell me they both agreed to finance us a used 2019 Hyundai accent with 30,000 miles? Hmm seems odd as the salesman who was very nice was very upfront said that with our low just starting out credit and age that we probably couldn’t get something like that yet his shady finance manager says him and Exeter agreed on that vehicle. Then its motor blows up 4/5 months later. Even with routine care?? They knew. They screwed over two unfortunately naive young adult first time car buyers and Exeter is still trying to. Thank you. Please help us!
Illegal fraudulent activity
I have made an intent to have my loan paid off, they got my money but never send me the title.
I\'ve had this car for over four years paying over $600 a month and I still owe $19000. They will not refinance and they only move one payment during Covid. I don\'t know if they received funds during Covid but they are screwing people over and getting away with it.
I don’t know how to properly explain because I am still confused. I am currently under a co-signer with Exeter. I’ve been with them from three entire years. Every payment I have made has not went towards my balance nor interest. Please help me get out of this.
I don’t know how to properly explain because I am still confused. I am currently under a co-signer with Exeter. I’ve been with them from three entire years. Every payment I have made has not went towards my balance nor interest. Please help me get out of this.
I am having issues with Exeter Finance. I have a used 2020 Nissan financed with them. I was never given a copy of my contact, the customer service is horrible, you can\'t get any answers and when you ask to speak with a manager no one ever returns a call. I have had the car for a year and the cost is more now than when I bought it.
