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.

close

Find a Location

Exeter Finance Corp has 6 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  Exeter Finance Corp

  2101 W John Carpenter Fwy Irving, TX 75063-3228

• 

  Exeter Finance Corp

  PO Box 166008 Irving, TX 75016-6008

• 

  Exeter Finance LLC

  303 S Broadway Tarrytown, NY 10591

• 

  Exeter Finance Corp

  12 N State Route 17 Paramus, NJ 07652

• 

  Exeter Finance Corporation

  PO Box 390477 Minneapolis, MN 55439

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:04/08/2025

  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 financed a car through Exeter finance. Just over $9,000. I thought I was being taken care of. I am finding out that the interest rate that I am paying is illegal under usury law 28% interest. I called and asked if I could lower it because it was technically an outrageous and illegal rate. Exeter told me that they could charge up to 28% and that they didnt know anything about the legal limit of interest rates for car financing. I just want my interest rate down to the legal maximum at the very least. How can this be allowed to happen? Please help me. If Exeter does not lower I will need to file a suit and I would then be getting back all of the extra money I've paid because of the illegal rate. The amount being charged is twice the value of the car.

  Business Response

  Date: 04/22/2025

  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.

  Customer Answer

  Date: 04/24/2025

  I am rejecting this response because:   what I was sent was a generic letter which didn't even mention the complaint at all. It wasn't even a signed letter.

  Business Response

  Date: 05/02/2025

  While we understand that the consumer may not be satisfied with Exeter's initial approach to
  addressing their concerns, we are confident that we thoroughly addressed all their issues and our stance
  on the matter remains unchanged.

  Customer Answer

  Date: 05/02/2025

  I am rejecting this response because:   Exeter Finance conspires with auto dealerships to inflate vehicle prices to cover a hidden finance charge, effectively passing on the discount fee charged to the dealer to the consumer. Here's a more detailed breakdown:
  Hidden Finance Charges:
  Exeter Finance doesn't disclose the true cost of financing, including hidden fees. The cost of financing was disguised as an inflated vehicle price, effectively adding to the overall cost of the loan without the consumer's knowledge.  overall cost of the loan without the consumer's knowledge. 
  Unlawful Repossession Practices:
  The lawsuit alleges that Exeter Finance uses GPS tracking devices on vehicles to facilitate repossession, but this practice is not disclosed to consumers. The lawsuit claims this is an "unconscionable" invasion of privacy and a violation of state and federal laws. 
  
  Violations of state and federal consumer protection laws, including the Fair Credit Reporting Act (FCRA) and the Telephone Consumer Protection Act (TCPA), and seeks redress for the ***** suffered by the class. Billing records have been inconsistent, being penalized or reported to credit agencies despite having accounts paid in full or on time. 

• Initial Complaint

  Date:04/07/2025

  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.

  i have been trying to reach this business because someone opened up an account in my name without my consent and I wanna get in touch with the business to know who did it, why , and where but they have yet to respond to any of my calls or messages, it is very hard to reach them, I want this item off of my credit its hurting me badly in succeeding in life

  Business Response

  Date: 04/22/2025

  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:04/05/2025

  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.

  Exeter Finance: 1. **Re-aged my auto loan account 6 months in a row**, misrepresenting delinquency dates. 2. **Charged off the account monthly** despite my active efforts to resolve it. 3. **Withholds my vehicle title** after I fully settled the debt via a "special deposit" (cleared on [date]). 4. **Ignored 3 written notices** (sent on [dates]) confirming the settlement. 5. **Fails to update credit reporting to "Paid"** per our agreement, harming my credit.

  Customer Answer

  Date: 04/07/2025

  I already filed the complaint, but it was a little incomplete when it comes to response. I need the title and I need for this account to be removed from my credit report as paid in full. Thank you. They also are guilty of violations, like re-aging and other provable violations that I need compensation for

  Sent from ******** ***** (***********************************)

  
  

  Business Response

  Date: 04/21/2025

  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.

  Customer Answer

  Date: 06/02/2025

  From: ******** ***** <***********************************>
  Sent: Friday, May 30, 2025 11:50 AM
  To: Complaints <*************************************************************************>
  Subject: 23164047

   

  Complaint Statement:

  Exeter Finance has committed ongoing fraud and unfair lending practices by falsely charging off my account for nine consecutive months, which is a clear violation of both federal credit reporting standards and securities laws. This action constitutes securities fraud, as each illegitimate charge-off creates a duplicate accounting entry for unjust enrichment and possible unlawful securitization. Despite multiple disputes Ive submitted under my rights granted by the Fair Credit Reporting Act (FCRA), including 15 U.S. Code 1681e(b) (requiring maximum accuracy) and 1681i(a)(5) (requiring proper reinvestigation and correction), Exeter Finance continues to falsely verify these entries as accurate.

   

  This behavior has grossly and unfairly damaged my credit score, thereby violating my right to fair access to credit. Repeated charge-offs on the same account are not only factually false but also deceptive, as no new financial event has occurred each month to justify a new charge-off. These actions also raise serious concerns under Truth in Lending Act (TILA) violations and possible Title 15 consumer credit protection breaches.

   

  I am demanding a full investigation and immediate removal of these fraudulent entries, along with appropriate correction of the record. Failure to do so should be considered willful noncompliance and deception under federal law.

  ******** Smith 

  *****************************************************************************************************************************************************************************************************************************************************************************************************************************************************************

   

  Business Response

  Date: 06/12/2025

  While we understand that the consumer may not be satisfied with Exeter's initial approach to addressing their concerns, we are confident that we thoroughly addressed all their issues and our stance on the matter remains unchanged.

• Initial Complaint

  Date:04/02/2025

  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.

  Last month February I received a substantial sum of money. I immediately went in and paid mt car payment for both months I was behind. It's even logged in my bank. And this time I see that its doubled, ummmmm....**** to the no.

  Business Response

  Date: 04/15/2025

  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:04/01/2025

  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 FIN ***************** Balance: $0.00 Pursuant to 1681i(a)(6)(B)(iii), A DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION SHALL BE PROVIDED TO ME, THE CONSUMER. I am prepared to seek legal counsel, pursuant to 15 USC 1681o, for willful negligence on this matter, file a complaint with the BBB and also file a formal complaint with the attorney generals office.

  Business Response

  Date: 04/15/2025

  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:03/28/2025

  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 formally dispute inaccurate and/or non-compliant reporting of an account ***************** on my Equifax credit report. Under the Fair Credit Reporting Act (****), 15 U.S.C. 1681s-2, data furnishers such as Exeter Finance are required to provide accurate information and correct any errors promptly. I have identified the following issues with EXETER finance DATA reporting: ***** are violating my rights by not reporting accurate information on my credit report. This account Is Showing as a closed delinquent account and it should not be on my Equifax credit report . because it is reporting inaccuracies.THIS ACCOUNT IS NOT REPORTING ON MY OTHER TWO BUREAUS TRANSUNION, OR EXPERAN. 2.THIS IS A DIRECT VIOLATION OF THE **** BECAUSE your company is not reporting true and accurate information. 3.Furthermore, under 15 U.S.C. 1681s-2(b), once a dispute is filed with a credit reporting agency, you must conduct a reasonable investigation and provide results within the required timeframe. Failure to do so may be considered willful non-compliance, which could result in legal action under 15 U.S.C. 1681n and 15 U.S.C. 1681o for damages. 4. EXTER FINANCE HAS improperly REPORTED info to equifax , and has refused to provide proof of my permission for them to do so.

  Business Response

  Date: 04/11/2025

  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.

  Customer Answer

  Date: 04/17/2025

  I am rejecting this response because: I have not been notified of any updates as to why this is on my credit report , and no one has reached out from exeter finance.  this account was removed off of all my credit reports, but equifax stated that exeter has provided proof that this account is accurate and I have not recieved any proof of this.

  Business Response

  Date: 04/25/2025

  We acknowledge the consumer's additional concerns subsequent to Exeters initial response.
  Accordingly, we will proceed to reopen our investigation, and any newly identified issues will be
  promptly and directly addressed with the consumer. The consumer retains full discretion to disclose
  resolution details as they deem fit. If you or the consumer have any further questions or concerns,
  please don't hesitate to contact us.

• Initial Complaint

  Date:03/28/2025

  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 have been paying care insurance for the last 7 months and my car note has not changed. I been trying to call and see what was going on with my account. I can never get a reasonable response on why my bill should be lower but it not going sown.

  Business Response

  Date: 04/11/2025

  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.

  Customer Answer

  Date: 04/11/2025

  I am rejecting this response because:   I have not recieved a response from the business.

  Business Response

  Date: 04/24/2025

  We acknowledge the consumer's additional concerns subsequent to Exeters initial response.
  Accordingly, we will proceed to reopen our investigation, and any newly identified issues will be
  promptly and directly addressed with the consumer. The consumer retains full discretion to disclose
  resolution details as they deem fit. If you or the consumer have any further questions or concerns,
  please don't hesitate to contact us.

• Initial Complaint

  Date:03/27/2025

  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 recently paid off my car loan with Exeter Finance. I made 44 payments out of 78 before paying it off. My original loan term was 72 months at 23.9% apr, and I extended my loan 6 times for a total of 78 months. The payoff amount was $12,024. The original amount financed was $15,513. The amount I paid in was $17,941, with the total amount paid $29,965. The total amount that would have been paid if the loan was paid off normally would have been $29,630. I paid $14,282 in interest, that being more than the total amount that would have been paid, if the loan would have been paid off as scheduled, $14,117. This is a simple interest, no prepayment penalty loan, and they are saying they don't owe me any money back. That was the whole point of paying it off early to avoid paying full interest. Paid off my loan almost 3 years early, so why am I paying interest on the almost 3 years that I paid it off early, when there is no prepayment penalty. This does not add up.

  Business Response

  Date: 04/15/2025

  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:03/27/2025

  Type:Customer Service 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.

  ********* lender for car i called 5 days straight with rude workers who have **** poor cusotmer service after being pre approved all workers continued to speak over me

  Business Response

  Date: 04/11/2025

  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:03/26/2025

  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.

  To Whom it may concern,I am writing to formally file a complaint regarding an issue with my account with ********************** LLC Account number: ****** Account balance: $22,660.00, which I have been unable to resolve directly with them. I am requesting that the Better Business Bureau assist in removing this account from my credit reports.I have attached copies of relevant documents, including my driver's license proof of address, copy of my social security card a cover letter and the my credit report, to support my case.I kindly ask for your assistance in facilitating a resolution to this matter. Please let me know if you require any further details or documentation.Thank you for your attention to this complaint. I look forward to your response and to a prompt resolution.

  Business Response

  Date: 04/16/2025

  While we understand that the consumer may not be satisfied with Exeter's initial approach to
  addressing their concerns, we are confident that we thoroughly addressed all their issues and our stance
  on the matter remains unchanged.