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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.


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  

+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 Agruss Law Firm, LLC 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. 

Agruss Law Firm, LLC 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, Agruss Law Firm, LLC 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 Agruss Law Firm, LLC 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. Agruss Law Firm, LLC 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 Agruss Law Firm, LLC 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 Agruss Law Firm, LLC 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 Agruss Law Firm, 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!

We are listening

We will respond to you at lightning speed. All of your information will be kept confidential.

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Submitted Comments

2 weeks ago
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.
3 weeks ago
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!
1 month ago
Illegal fraudulent activity
1 month ago
I have made an intent to have my loan paid off, they got my money but never send me the title.
2 months ago
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.
2 months ago
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.
2 months ago
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.
2 months ago
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.