Complaints

This profile includes complaints for Exeter Finance Corp's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Exeter Finance Corp

  2101 W John Carpenter Fwy Irving, TX 75063-3228

• 

  Exeter Finance Corporation

  PO Box 390477 Minneapolis, MN 55439

• 

  Exeter Finance Corp

  PO Box 4869 Houston, TX 77210

• 

  Exeter Finance Corp

  PO Box 166008 Irving, TX 75016-6008

• 

  Exeter Finance LLC

  303 S Broadway Tarrytown, NY 10591

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:06/15/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I recently notice after viewing my consumer report inaccurate, unauthorized, incorrect information 6/13/2025.This account is reported as a charge-off, but it appears to misrepresent canceled or forgiven debt as income. Under FCRA 602(a), 607(b), and 623(a)(1)(A), this reporting is inaccurate and misleading. Additionally, under IRS Code 61(a)(12), discharged debt is considered income for tax purposes only and is not appropriate for credit report inclusion. Please remove or correct this entry to reflect only accurate charge-off status without implying income.Under 15 U.S.C. 1681, 1681i(a), 1681n, 1681o, and 1681s-2(a)(1)(A), the Fair Credit Reporting Act mandates that furnishers must report only accurate information and promptly reinvestigate any consumer disputes. Failure to comply with these duties can result in civil liability, including actual and statutory damages. Specifically, 1681i(a) requires consumer reporting agencies to reinvestigate disputed information within 30 days, while 1681s-2(a)(1)(A) prohibits reporting information known to be inaccurate. Violations may subject the responsible parties to penalties under 1681n and 1681o.Under 15 U.S.C. 6802, consumers have the right to opt out of the sharing of their nonpublic personal information by financial institutions with non-affiliated third parties. This provision empowers consumers to protect their privacy and control how their personal financial information is disclosed. I hereby exercise my right under this law to opt out of any such information sharing. I am requesting an immediate reinvestigation and correction under the ****. Thank you.

  Business Response

  Date: 06/30/2025

  Exeter has now fielded multiple complaints from this consumer, regarding similar matters stated in this
  complaint. These matters were addressed directly with the affected consumer, and our stance on the
  matter remains unchanged. In prioritizing consumer privacy and security, Exeter will not disclose any
  details of the resolution. The consumer has the option to release such details at their discretion.

• Initial Complaint

  Date:06/14/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I noticed I had late payments from EXETER FIN on my credit report. During these months I did not receive anything stating I was late. As you can see, majority of my payments have been on time so I am requesting the removal of these late payments from my account. I am trying to increase my score to purchase a home and would greatly appreciate if you guys can submit a request to the credit reporting agencies to remove the late payments.

  Business Response

  Date: 06/30/2025

  In prioritizing consumer privacy and security, Exeter will investigate and address any concerns directly with the affected consumer, as necessary. Where applicable, a written response will be provided to the consumer. The consumer has the option to disclose the details of our resolution at their discretion. If you or the consumer have any further questions or concerns following the investigation, please don't hesitate to contact us.

• Initial Complaint

  Date:06/12/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have had the loan for about 3 years. I have been trying to change the due date for payment for long while. I now only get paid once a month and cannot change that fact. Everytime I call I am told that I cannot do it for one reason or another. This last time I was told they could, and would send me an email confirming the new due date to electronically sign. I never got the email, I called back and they said they couldnt do it because it was too close to the due date. They did not notify me of this. I have asked numerous times to be transferred to the local, in ***, branch to talk to. They tell me that they are not capable of doing that. In the mean time I keep getting charged over $60 in late fees. They are claiming it is TX laws that are prohibiting of making the change.

  Business Response

  Date: 06/30/2025

  In prioritizing consumer privacy and security, Exeter will investigate and address any concerns directly with the affected consumer, as necessary. Where applicable, a written response will be provided to the consumer. The consumer has the option to disclose the details of our resolution at their discretion. If you or the consumer have any further questions or concerns following the investigation, please don't hesitate to contact us.

• Initial Complaint

  Date:06/10/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Exeter are criminals and scam artists. They should not be able to continue their shady tactics. I got laid off and fell behind a few months and they repossessed my vehicle. They charged acct off, but let me pay $3800 to "reinstate" the loan. Once paid, They called and harassed and threatened me daily. They said I could continue paying monthly to keep the car but since acct was charged off, Making payments monthly would continue to negatively impact my credit each month. They threatened weekly that if I didn't pay off the balance or refinance elsewhere, they could repo the car again. I've been paying and staying in communication with them each month. They were pressuring me to refinance but the amount they said I owed kept getting higher instead of lower after each payment. I explained with my credit tanking after the charge off that I could not find another finance. I told them I was trying to come up with a settlement cash payout but needed time. They called me every day threatening to come get car again. I sent my last payment on 4/15 and told them I'd send another and even prepay the next month or two. Could not refinance anywhere and that would've cost me another $30k for a 2014 Acura I financed in April of 2021 with a 32% APR. Why would I want to pay $60 grand for a car that was financed for $15k to start. The car was bought at ****** and has been a lemon and a money pit. They just repossessed it again this past Saturday and tell me I can't get the car back at all. Criminal, scam artists, predators! Run far far away. They should be put out of business. Now I've paid $39K to them and have nothing to show for it and I need the car to get to work. I have a physical disability and can't make long walks to take public transportation. I hope these b******* sleep well at night. I'm making it my mission to spread the word and to sue them.

  Business Response

  Date: 06/30/2025

  In prioritizing consumer privacy and security, Exeter will investigate and address any concerns directly
  with the affected consumer, as necessary. Where applicable, a written response will be provided to the
  consumer. The consumer has the option to disclose the details of our resolution at their discretion. If you
  or the consumer have any further questions or concerns following the investigation, please don't hesitate
  to contact us.

• Initial Complaint

  Date:06/07/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Since I punched my vehicle with this finance company, every time I se.t a payment to them it has taken just about a month or longer for them to process my payment, many times putting my account late. As of now I have a check that has not been processed for two months now and another for a month.

  Business Response

  Date: 06/25/2025

  In prioritizing
  consumer privacy and security, Exeter will investigate and address any concerns
  directly
  with the affected
  consumer, as necessary. Where applicable, a written response will be provided
  to the
  consumer. The
  consumer has the option to disclose the details of our resolution at their
  discretion. If you
  or the consumer have
  any further questions or concerns following the investigation, please don't
  hesitate
  to contact us.

• Initial Complaint

  Date:06/06/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I recently started to notice that I feel like I'm overpaying with the car note towards Exeter finance for example a couple weeks ago I caught my car payment up which should have left no balance for the time being but Shortly after, I login online to see a small balance and was told that it was a small late fees so I paid it. However, I called previously before spoke to someone made a payment and the account should've had a zero balance until the next car payment. Roday, I login online to see that I have six hundred almost seven hundred dollar payment that due but my car note is only 530. 00 There should not be a balance higher than that. What I think is going on is that customers are making their online payments but the online system isn't reflecting the current balance right away or at all and it's causing me and others to think that we still have balances which is making me and other people pay so I feel like I'm constantly paying overpaying Something isn't right with their online paying system

  Business Response

  Date: 06/20/2025

  In prioritizing consumer privacy and security, Exeter will investigate and address any concerns directly with the affected consumer, as necessary. Where applicable, a written response will be provided to the consumer. The consumer has the option to disclose the details of our resolution at their discretion. If you or the consumer have any further questions or concerns following the investigation, please don't hesitate to contact us.

• Initial Complaint

  Date:06/05/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The *** account is not a charge off, it states settled for less it is paid the remaining was a 1099C Please remove this account from my credit report for inaccurate reporting 15usc 1692c Communication in connection with debt collection" section of the Fair Debt Collection Practices Act outlines the rules regrading How debt collectors can with consumers to collect debts. It restricts the timing location, and manner of communication, aiming to protect consumers from harassment and abusive debt collection practices.

  Business Response

  Date: 06/19/2025

  In prioritizing consumer privacy and security, Exeter will investigate and address any concerns directly with the affected consumer, as necessary. Where applicable, a written response will be provided to the consumer. The consumer has the option to disclose the details of our resolution at their discretion. If you or the consumer have any further questions or concerns following the investigation, please don't hesitate to contact us. 

• Initial Complaint

  Date:05/30/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Dates of Transition (Car Payments), range from May 2019 May 2015 Amount of money I have paid is approximately $29,500 within an 7 yr period Exeter Finance provided me a Simply Interest Load for a 2017 ****** Camry o 12/2018 The Nature of the DISPUTE is their Predatory lending - Their unscrupulous practices carried out by them the lender persuaded Me, borrowers to take this loans without fully explaining in detail the interest rate and payment processes for which over the course of these 7 yrs the $29,000 paid to them by, majority went toward interest payments and only @ $610.00 went towards my principal balance.. I took out the Loan for $17,813 and as of today I still owe $17,717. Which shows under this description, they knew I cannot pay back or must pay back at a cost that is significantly above the market rate.After numerous calls to CSR and speaking to many different Managers in various depts, they have not tried to resolve this matter with me so that it can be revised in their accounting payment system to reflect proper payments that I have made to go to both the interest occurred and the principal balance too. At this junction, I am at my wits end, severe emotional distress, anxiety and frustration that I have recently decided to turn the car back over to Exeter Finance since it seems I'll never pay it off even by its end date of March 2026 - I was informed by the *** there that even at that point I would still owe them $17,177 after pay what the agreed amount and interested would have been @ $35,860. I would like to report them and sue them under my rights as a consumer - "The Trust and Lending Act (TILA) is a legal directive passed in 1968 that requires lenders to be fully transparent in the terms and conditions of their products. The law protects consumers from predatory lenders that charge high fees and interest or offer unfair loan terms. **** gives consumers the right to cancel certain credit transactions that involve a lien on a consumer's

  Business Response

  Date: 06/13/2025

  In prioritizing consumer privacy and security, Exeter will investigate and address any concerns directly with the affected consumer, as necessary. Where applicable, a written response will be provided to the
  consumer. The consumer has the option to disclose the details of our resolution at their discretion. If you or the consumer have any further questions or concerns following the investigation, please don't hesitate to contact us.

• Initial Complaint

  Date:05/27/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to inform you that I have been a victim of identity theft and that a fraudulent account was opened in my name without my consent. The details of the unauthorized account are as follows:Creditor Name: EXETER FIN Opened Date: 7/26/2022 Account Number: *****************I request that you close this account immediately and remove any negative information associated with it from my credit report. Please provide written confirmation of the account closure and any relevant documentation regarding this fraudulent *********** support my claim, I have attached a copy of my Identity Theft Complaint.Thank you for your prompt attention to this matter.

  Business Response

  Date: 06/10/2025

  In prioritizing consumer privacy and security, Exeter will investigate and address any concerns directly with the affected consumer, as necessary. Where applicable, a written response will be provided to the consumer. The consumer has the option to disclose the details of our resolution at their discretion. If you or the consumer have any further questions or concerns following the investigation, please don't hesitate to contact us.

• Initial Complaint

  Date:05/26/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This is not a duplicate complaint. This is the first time I am submitting a notarized Affidavit of Truth with specific demands and legal claims based on ****, ****, TILA, and contract law.Exeter Finance and Equifax reinserted a deleted repossession account onto my credit report without providing the required 5-day written notice as required under FCRA 1681i(a)(5)(B). I was also never provided a certification of accuracy by the furnisher at the time of reinsertion.Under contract law, I formally requested a copy of the original wet-ink signed contract, timestamped disclosure documents, and specifically, the clause that authorizes reinsertion of data after removal. No such clause or signed agreement has ever been provided.According to the Doctrine of Reasonable Notice, no contract terms can be enforced unless they were clearly disclosed, agreed to, and initialed or signed at the time of the agreement. Reinserting deleted information without my consent, without any legal basis or valid contract clause, is a material breach of contract.This complaint includes a notarized affidavit (dated May 7th, 2025), which both parties failed to rebut within the 15-day deadline. That constitutes legal default and estoppel by silence. The continued reporting of this account is unlawful.

  Business Response

  Date: 06/09/2025

  Exeter has now fielded multiple complaints from this consumer, regarding similar matters stated in this complaint. These matters were addressed directly with the affected consumer, and our stance on the matter remains unchanged. In prioritizing consumer privacy and security, Exeter will not disclose any details of the resolution. The consumer has the option to release such details at their discretion.