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 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:11/09/2022

  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.

  They continue to call my cell phone asking for someone who is not me. They refuse to let me speak to a amanger say they will take my name off the list then continue to call
  

  Business Response

  Date: 02/15/2023

  Business Response /* (1000, 5, 2022/11/21) */
  November 21, 2022
  
  Better Business Bureau of Metropolitan Dallas, Inc.
  1601 Elm Street
  Ste. ****
  Dallas, Texas 75201
  
  RE: ***** ***** - Case # XXXXXXXX
  
  To Whom It May Concern:
  
  On November 10, 2022, Exeter Finance LLC ("Exeter") received notice regarding a complaint filed through the Better Business Bureau. Exeter would like to thank ***** ***** ("*****") for the opportunity to address the concerns outlined in the complaint. Exeter's success is based on customer satisfaction with our products and services, so the issues presented in this complaint are taken seriously and every effort is made to provide a prompt and equitable response.
  
  On September 2, 2022, Exeter's Customer Service Representative ("CSR") dialed *****'s phone number in an attempt to reach one of our customers. ***** notified the CSR that they had the wrong phone number and requested not to be contacted again. Regrettably, additional calls were made to ***** inadvertently.
  
  On September 9, 2022, ***** requested to speak to a manager due to the continuance of calls. ***** was placed on hold for a manager; however, the call was disconnected prior to a manager taking *****'s call. Exeter apologizes to ***** for the error, the overall level of service received and any inconvenience it may have caused. As requested, *****'s phone number has been removed from our records to prevent any future calls.
  
  We trust this answers any questions associated with the complaint. If ***** has any questions about these or any other concerns, Exeter encourages them to contact the Office of the President at XXX-XXX-XXXX.
  
  Sincerely,
  
  
  
  Office of the President
  Exeter Finance LLC

• Initial Complaint

  Date:11/07/2022

  Type:Product 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 overcharged me in the month of October. I followed up with a manager who said a portion of they money would go directly back onto my debit card and the other portion would be sent via check in the mail. I have yet to receive either payment from this company. This company has no idea who is going on and will lie just to get you off of the phone.
  

  Business Response

  Date: 02/15/2023

  Business Response /* (1000, 5, 2022/11/21) */
  November 21, 2022
  
  Better Business Bureau of Metropolitan Dallas, Inc.
  1601 Elm Street
  Ste. 3838
  Dallas, Texas XXXXX
  
  RE: ********* *********** - Case # XXXXXXXX
  
  To Whom It May Concern:
  
  On November 8, 2022, Exeter Finance LLC ("Exeter") received notice regarding a complaint filed through the Better Business Bureau. Exeter would like to thank ********* *********** ("***********") for the opportunity to address the concerns outlined in the complaint. Exeter's success is based on customer satisfaction with our products and services, so the issues presented in this complaint are taken seriously and every effort is made to provide a prompt and equitable response.
  
  On October 17, 2022, *********** notified Exeter that a payment was processed on their account in error. *********** was advised to dispute the payment with their bank to expedite the refund process. The payment processed on October 15, 2022, in the amount of $1,005.33 was reversed on October 21, 2022. *********** later requested that $600.00 of the reversed payment be reapplied back to the account, reducing their refund to $405.33.
  
  Exeter has honored ***********'s request and applied the $600.00 to their account as of November 15, 2022, the remaining amount of $405.33 was reversed back to their bank account. Exeter apologizes to *********** for the error and any inconvenience this may have caused. *********** should contact their bank for the status of the funds being credited and made available to their bank account.
  
  We trust this answers any questions associated with the complaint. If *********** has any questions about these or any other concerns, Exeter encourages them to contact the Office of the President at XXX-XXX-XXXX.
  
  Sincerely,
  
  
  
  Office of the President
  Exeter Finance LLC

• Initial Complaint

  Date:10/29/2022

  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 not liable for this debt with Exter Finance and do not have a contract with convergent. They do not provide me with the original application like I asked.
  
  Account #: XXXXXXXXXXXXX**** XXXXXXXXXXXXX***

  Business Response

  Date: 01/31/2023

  Business Response /* (1000, 5, 2022/11/11) */
  November 11, 2022
  
  Better Business Bureau of Metropolitan Dallas, Inc.
  1601 Elm Street
  Ste. 3838
  Dallas, Texas 75201
  
  RE: ******* ***** Case # XXXXXXXX
  
  To Whom It May Concern:
  
  On October 31, 2022, 2022, Exeter Finance LLC ("Exeter") received notice regarding a complaint filed through the Better Business Bureau. Exeter would like to thank ******* ***** ("*****") for the opportunity to address their concerns regarding their credit reporting. Exeter's success is based on customer satisfaction with our products and services, so the issues presented in this complaint are taken seriously and every effort is made to provide a prompt and equitable response. Exeter has thoroughly investigated the complaint and made the following determination.
  
  Regarding ***** credit reporting, Exeter is bound by the Fair Credit Reporting Act which requires all accounts to be reported accurately and factually. Account information is furnished to the Credit Reporting Agencies ("CRAs") every month and will reflect the status of the account at the time of reporting.
  
  Exeter has received multiple indirect disputes filed through the CRAs on ***** behalf beginning in February 2022; all disputes were responded to within 30 days. In response to those disputes, Exeter's records were reviewed, and the information reported to the CRAs was confirmed to be accurate. As such, Exeter will not honor ***** request to remove the valid tradeline from their credit file or cease reporting based on the claims presented in this complaint.
  
  Under separate cover ***** will receive a copy of their Executed Contract and a Statement of Account showing all account activity through November 2, 2022. Exeter considers these items to be a sufficient validation of the debt. No additional documents will be provided. To obtain any application for credit, ***** should contact the original creditor. According to Exeter records, the original creditor is Off Lease Only; located at ****************************************** XXXXX with phone number (XXX) XXX-XXXX.
  We trust this answers any questions associated with the complaint. If ***** has any questions about these or any other concerns, Exeter encourages them to contact the Office of the President at 877-877-4943.
  
  
  Sincerely,
  
  
  
  Office of the President
  Exeter Finance

• Initial Complaint

  Date:10/19/2022

  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 ******** ******** just made a payment on my vehicle October 18,2022 at 4:00pm with western union instant just for you guys to come and take my car on the same day. No notices no email which Exeter do have nor a mail letter. I am here in BALTIMORE MD. Visiting my daughter with a new baby. I did speak with Andrina in repo department who did all the talking about what my mom said my mom donot and. Has not made one payment on this vehicle so why was she talking about what my mom said. It was unfair just like before. Not telling me how long nor were the car was located. Like before they stated that keys were made. That was a lie and 82 days late which i was told 150 days is when you have the right to repo anyones car. It was unjust to the way Exeter Handel there business. WHY DO I HAVE TO PAY 2000 OR more when a payment was made the same day it was repo. Ido understand the procedure is done Exeter did this before same why. I feel like it should not have happened on the same day a payment was made. I feel that a full balance of over all need to put into perspective due to the lies about the keys and a balance check and better understanding with the truth. Andrina stated that they only send on notice that was in 2019 . It 2022 respect is everything Andrina said that she did not have to send me anything that the one in 2019 is and will be the only notices to send. I am not understanding her quality of customer respect. Which make it very difficult to handle this at all. It seem as if you just took my car with no respect. I need someone with answers and explanation .you Why treat people like this. Why didn't Exeter acknowledge that payment .That is showing no respect. I need to what to do to get my car back and how many day and were my car is located because Andrina was doing all the talk and giving no answer of were my car is and how long it could held and the right amount because .i just made that payment of 475.00

  Business Response

  Date: 02/06/2023

  Business Response /* (1000, 8, 2022/11/04) */
  November 4, 2022
  
  Better Business Bureau of Metropolitan Dallas, Inc.
  1601 Elm Street
  Ste. 3838
  Dallas, Texas 75201
  
  RE: ******** ******** Case # XXXXXXXX
  
  To Whom It May Concern:
  
  On October 21, 2022, 2022, Exeter Finance LLC ("Exeter") received notice regarding a complaint filed through the Better Business Bureau. Exeter would like to thank ******** ******** ("********") for the opportunity to address their concerns regarding their account. Exeter's success is based on customer satisfaction with our products and services, so the issues presented in this complaint are taken seriously and every effort is made to provide a prompt and equitable response. Exeter has thoroughly investigated the complaint and made the following determination.
  
  Due to the delinquency of the account, the vehicle was assigned for repossession on September 29, 2022. Following the repossession assignment, Exeter made numerous telephone attempts to reach ******** to discuss payment arrangements to cure the account, but was not able to make contact. Exeter received a payment on October 18, 2022, in the amount of $475.00. Because this amount did not cover the total amount due, the repossession assignment remained active. As such, the vehicle was repossessed on October 19, 2022.
  
  Following the repossession, on October 19, 2022, Exeter mailed ******** a Notice of Our Plan to Sell Property ("Notice") advising that we sell the vehicle at a private sale sometime after October 31, 2021, if the total amount due is not satisfied prior to this date. A copy of this Notice will be sent to ******** under separate cover.
  
  Regarding ********'s claims of an Exeter agent being unprofessional, Exeter's records telephone records were reviewed, and we cannot substantiate those claims.
  
  We trust this answers any questions associated with the complaint. If ******** has any questions about these or any other concerns, Exeter encourages them to contact the Office of the President at 877-877-4943.
  
  
  Sincerely,
  
  
  
  Office of the President
  Exeter Finance
  
  
  Consumer Response /* (3000, 10, 2022/11/07) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  Due a fact that i did reach out to see what was the cost to retrieve my car back .i know it wasn't 2000 dollar to get it back. That that payment was made and no one want to tell me were my car was to retrieve it back . I had not clue were my car was to get it back and still donot know . No one from EXETER share that information with me. The phone call my email never change why didn't they email me . It still was unfair due to a payment was made all i need was the correct amount which no one made a effort to call and correct the real amount for me to get my car back. It and Andrina stated that June payment wasn't made .Andrina fabricated about that payment June payment was made on time .my question was the correct amount to retrieve my car back and I STILL haven't heard anything from Exeter. What is the correct amount to get my car back.
  
  
  Business Response /* (4000, 12, 2022/11/10) */
  November 10, 2022
  
  Better Business Bureau of Metropolitan Dallas, Inc.
  1601 Elm Street
  Ste. 3838
  Dallas, Texas XXXXX
  
  RE: ******** ******** Case # XXXXXXXX
  
  
  To Whom It May Concern:
  
  On November 8, 2022, Exeter Finance LLC ("Exeter") received notice that ******** ******** ("********") had additional concerns that they wanted to bring to Exeter's attention regarding the complaint filed through the Better Business Bureau on October 21, 2022, regarding their Account. Exeter's success is based on customer satisfaction with our products and services, so the issues presented in this complaint are taken seriously and every effort is made to provide a prompt and equitable response.
  
  While we regret that ******** is not satisfied with Exeter's response, we believe that their concerns have been fully addressed regarding their Account. As stated in our initial response dated November 4, 2022, due to the delinquency of the Account, the vehicle was assigned for repossession on September 29, 2022. Following the repossession assignment, Exeter made numerous telephone attempts to reach ******** to discuss payment arrangements to cure the account but was not able to make contact. Exeter received a payment on October 18, 2022, in the amount of $475.00. Because this amount did not cover the total amount due, the repossession assignment remained active. As such, the vehicle was repossessed on October 19, 2022. Following the repossession, on October 19, 2022, Exeter mailed ******** a Notice of Our Plan to Sell Property ("Notice") advising that we sell the vehicle at a private sale sometime after October 31, 2021, if the total amount due is not satisfied prior to this date.
  
  ******** can contact Exeter at (800) 321-9637 for more information regarding their options for reinstatement.
  
  We trust this answers any questions associated with the complaint. If ******** has any questions about these or any other concerns, we encourage them to contact us at 877-877-4943.
  
  Sincerely,
  
  
  Office of the President
  Exeter Finance
  
  
  Consumer Response /* (4200, 14, 2022/11/13) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  Like it was explained i never seen a letter which i explain what or were my car location .i never had a change to get my things out of the car. I still don't know anything about the amount to receive a chance to retrieve my car. Like i explain I am here in Baltimore i never received a letter. At this point what is the over all amount of the car. I keep asking what is the cost . No one seem to answer that question .
  
  
  Business Response /* (4000, 16, 2022/11/16) */
  November 16, 2022
  
  Better Business Bureau of Metropolitan Dallas, Inc.
  1601 Elm Street
  Ste. 3838
  Dallas, Texas 75201
  
  RE: ******** ******** Case # XXXXXXXX
  
  
  To Whom It May Concern:
  
  On November 14, 2022, Exeter Finance LLC ("Exeter") received notice that ******** ******** ("********") had additional concerns that they wanted to bring to Exeter's attention regarding the complaint filed through the Better Business Bureau on October 21, 2022, regarding their Account. Exeter's success is based on customer satisfaction with our products and services, so the issues presented in this complaint are taken seriously and every effort is made to provide a prompt and equitable response.
  
  While we regret that ******** is not satisfied with Exeter's response, we believe that their concerns have been fully addressed regarding their Account. As stated in our response dated November 10, 2022, ******** can contact Exeter at (XXX) XXX-XXXX for more information regarding their options for reinstatement.
  
  We trust this answers any questions associated with the complaint. If ******** has any questions about these or any other concerns, we encourage them to contact us at 877-877-4943.
  
  Sincerely,
  
  
  Office of the President
  Exeter Finance

• Initial Complaint

  Date:10/05/2022

  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 not liable for this debt with Exeter Finance LLC and do not have a contract with NCB MANAGEMENT SERVICE. They did not provide me with the original application like I asked.
  

  Business Response

  Date: 12/30/2022

  Business Response /* (1000, 5, 2022/10/20) */
  October 20, 2022
  
  Better Business Bureau of Metropolitan Dallas, Inc.
  1601 Elm Street
  Ste. 3838
  Dallas, Texas 75201
  
  RE: ********* ******** Case # XXXXXXXX
  
  To Whom It May Concern:
  
  On October 7, 2022, 2022, Exeter Finance LLC ("Exeter") received notice regarding a complaint filed through the Better Business Bureau. Exeter would like to thank ********* ******** ("********") for the opportunity to address their concerns regarding their credit reporting. Exeter's success is based on customer satisfaction with our products and services, so the issues presented in this complaint are taken seriously and every effort is made to provide a prompt and equitable response. Exeter has thoroughly investigated the complaint and made the following determination.
  
  Exeter received multiple indirect disputes filed through the Credit Reporting Agencies ("CRAs") on ********'s behalf in May 2018; all disputes were responded to within 30 days. In response to those disputes and this recent complaint, Exeter's records were reviewed, and the information reported to the CRAs was confirmed to be accurate. As such, Exeter will not honor ********'s request to remove the valid late tradeline from their credit file based on the claims presented in this complaint.
  
  Exeter is bound by the Fair Credit Reporting Act which requires all accounts to be reported accurately and factually. Account information is furnished to the CRAs every month and will reflect the status of the account at the time of reporting.
  
  As of September 19, 2020, ********'s account was sold and is now serviced by NCB Management Services, Inc. ("NCB"). We are unable to act with respect to this account regarding any matters that occurred after the sale of this debt. ******** would need to contact NCB to discuss any updates regarding their tradeline. ******** may contact NCB at (XXX) XXX-XXXX.
  
  We trust this answers any questions associated with the complaint. If ******** has any questions about these or any other concerns, Exeter encourages them to contact the Office of the President at XXX-XXX-XXXX.
  
  
  Sincerely,
  
  
  Office of the President
  Exeter Finance

• Initial Complaint

  Date:10/05/2022

  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.

  The loan for the car I financed through Exeter has been paid off as of June 24 2022. I received a letter stating the loan was paid in full. I have not received the title to the car that was financed. Nor have I received a lean release so I may request the title from the state.

  Business Response

  Date: 01/27/2023

  Business Response /* (1000, 5, 2022/10/21) */
  October 21, 2022
  
  Better Business Bureau of Metropolitan ******* ****
  1601 Elm Street
  Ste. ****
  Dallas, Texas XXXXX
  
  RE: ******** ********* Case # XXXXXXXX
  
  To Whom It May Concern:
  
  On October 7, 2022, 2022, Exeter Finance LLC ("Exeter") received notice regarding a complaint filed through the Better Business Bureau. Exeter would like to thank ******** ********* ("*********") for the opportunity to address their concerns regarding their title. Exeter's success is based on customer satisfaction with our products and services, so the issues presented in this complaint are taken seriously and every effort is made to provide a prompt and equitable response. Exeter has thoroughly investigated the complaint and made the following determination.
  
  Exeter's records indicate that on July 18, 2022, we mailed ********* the original Alabama paper title and a paid in full letter to the mailing address on file. In response to this complaint, on October 13, 2022, Exeter mailed ********* a lien release letter to the address on file, that they can take to their local DMV to obtain a copy of the lien free title.
  
  We trust this answers any questions associated with the complaint. If ********* has any questions about these or any other concerns, Exeter encourages them to contact the Office of the President at XXX-XXX-XXXX.
  
  
  Sincerely,
  
  
  Office of the President
  Exeter Finance
  
  
  Consumer Response /* (3000, 7, 2022/10/24) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  I received the letter stating paid in full but I never received the paper title. If they had been in the same envelope and mailed I would've received both however I did not. Therefore I had to call and request a letter stating the lien was released. I did receive the lien release letter and I did go to the county DMV. Due to me not receiving the title it cost me $18.50. At the time of purchasing the vehicle and having it financed I paid for title fees. Due to the fact that I never received the title that was supposedly in the same envelope with the letter of payoff then I should be reimbursed the $18.50.
  
  
  Business Response /* (4000, 9, 2022/10/26) */
  October 26, 2022
  
  Better Business Bureau of Metropolitan Dallas, Inc.
  1601 Elm Street
  Ste. ****
  Dallas, Texas XXXXX
  
  RE: ******** ********* Case # XXXXXXXX
  
  
  To Whom It *** Concern:
  
  On October 24, 2022, Exeter Finance LLC ("Exeter") received notice that ******** ********* ("*********") had additional concerns that they wanted to bring to Exeter's attention regarding the complaint filed through the Better Business Bureau on October 7, 2022, regarding their title. Exeter's success is based on customer satisfaction with our products and services, so the issues presented in this complaint are taken seriously and every effort is made to provide a prompt and equitable response.
  
  While we regret that ********* is not satisfied with Exeter's response, we believe that their concerns have been fully addressed regarding their title. As stated in our initial response dated October 21, 2022, on July 18, 2022, we mailed ********* the original Alabama paper title and a paid in full letter to the mailing address on file. The mailed items were not returned to Exeter as undeliverable, as such, Exeter would not be able to reimburse ********* for any out-of-pocket costs associated with obtaining a copy of their title from the Department Motor Vehicles.
  
  We trust this answers any questions associated with the complaint. If ********* has any questions about these or any other concerns, we encourage them to contact us at XXX-XXX-XXXX.
  
  Sincerely,
  
  
  Office of the President
  Exeter Finance
  
  
  Consumer Response /* (4200, 11, 2022/10/27) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  Again the company could not have put the title in the same envelope as the paid in full letter. If they had been in the same envelope I would've received both because I received the paid in full letter. Not sure why that's hard to understand. Therefore I am not satisfied I had to apply for a replacement title and received it within three days from the state. This is a complete error on Exeter's part. Yet they are refusing to take responsibility. There is no customer curtesy. I upheld my part of the contract but Exeter did not.
  
  
  Business Response /* (4000, 13, 2022/11/01) */
  November 1, 2022
  
  Better Business Bureau of Metropolitan Dallas, Inc.
  1601 Elm Street
  Ste. ****
  Dallas, Texas XXXXX
  
  RE: ******** ********* Case # XXXXXXXX
  
  
  To Whom It *** Concern:
  
  On October 28, 2022, Exeter Finance LLC ("Exeter") received notice that ******** ********* ("*********") had additional concerns that they wanted to bring to Exeter's attention regarding the complaint filed through the Better Business Bureau on October 7, 2022, regarding their title. Exeter's success is based on customer satisfaction with our products and services, so the issues presented in this complaint are taken seriously and every effort is made to provide a prompt and equitable response.
  
  While we regret that ********* is not satisfied with Exeter's response, we believe that their concerns have been fully addressed regarding their title. As stated in our initial response dated October 21, 2022, and a subsequent response dated October 26, 2022, we mailed ********* the original Alabama paper title and a paid in full letter to the mailing address on file on July 18, 2022. The mailed items were not returned to Exeter as undeliverable, as such, Exeter would not be able to reimburse ********* for any out-of-pocket costs associated with obtaining a copy of their title from the Department Motor Vehicles.
  
  We trust this answers any questions associated with the complaint. If ********* has any questions about these or any other concerns, we encourage them to contact us at XXX-XXX-XXXX.
  
  Sincerely,
  
  
  Office of the President
  Exeter Finance
  
  
  Consumer Response /* (4200, 15, 2022/11/02) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  I paid for a tile at the time of purchase. It seems Exeter will not take responsibility for their mistake. They have given confusing information. Whe I spoke to customer service they advised they never had the paper title and only a paid in-full letter was sent. Now Exeter is saying they mailed the paper title to me. So which is it? Regardless I never received the paper title. I had to pay extra for a title Exeter was supposed was responsible for furnishing. I do not think I should have to pay for their mistakes. I'll be happy to provide a copy of the receipt.
  
  
  Business Response /* (4000, 17, 2022/11/04) */
  November 4, 2022
  
  Better Business Bureau of Metropolitan Dallas, Inc.
  1601 Elm Street
  Ste. ****
  Dallas, Texas XXXXX
  
  RE: ******** ********* Case # XXXXXXXX
  
  
  To Whom It *** Concern:
  
  On November 3, 2022, Exeter Finance LLC ("Exeter") received notice that ******** ********* ("*********") had additional concerns that they wanted to bring to Exeter's attention regarding the complaint filed through the Better Business Bureau on October 7, 2022, regarding their title. Exeter's success is based on customer satisfaction with our products and services, so the issues presented in this complaint are taken seriously and every effort is made to provide a prompt and equitable response.
  
  While we regret that ********* is not satisfied with Exeter's response, we believe that their concerns have been fully addressed regarding their title. As stated in our initial response dated October 21, 2022, and subsequent responses dated October 26, 2022, and November 1, 2022, we mailed ********* the original Alabama paper title and a paid in full letter to the mailing address on file on July 18, 2022. The mailed items were not returned to Exeter as undeliverable, as such, Exeter would not be able to reimburse ********* for any out-of-pocket costs associated with obtaining a copy of their title from the Department Motor Vehicles.
  
  Regarding *********'s claim of being provided inaccurate information regarding the paper title, Exeter's telephone records were reviewed, and we cannot substantiate those claims.
  
  We trust this answers any questions associated with the complaint. If ********* has any questions about these or any other concerns, we encourage them to contact us at XXX-XXX-XXXX.
  
  Sincerely,
  
  
  Office of the President
  Exeter Finance

• Initial Complaint

  Date:09/29/2022

  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.

  In Accordance with the Fair Credit Reporting Act. EXETER FINANCE has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 15 U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency cannot furnish an account without my written instructions. EXETER FINANCE does not have my written instructions to report any information on my credit file.
  

  Business Response

  Date: 01/31/2023

  Business Response /* (1000, 5, 2022/10/12) */
  October 12, 2022
  
  Better Business Bureau of Metropolitan Dallas, Inc.
  1601 Elm Street
  Ste. 3838
  Dallas, Texas 75201
  
  RE: ****** *************** Case # XXXXXXXX
  
  To Whom It May Concern:
  
  On September 29, 2022, Exeter Finance LLC ("Exeter") received notice regarding a complaint filed through the Better Business Bureau. Exeter would like to thank ****** *************** ********************* for the opportunity to address their concerns regarding their credit reporting. Exeter's success is based on customer satisfaction with our products and services, so the issues presented in this complaint are taken seriously and every effort is made to provide a prompt and equitable response. Exeter has thoroughly investigated the complaint and made the following determination.
  
  Regarding ****************** credit reporting, as a creditor, Exeter has the right to report its consumer's account information in accordance with the guidelines stated in the Fair Credit Reporting Act ("FCRA"). Exeter is bound by the FCRA which requires all accounts to be reported accurately and factually. Account information is furnished to the Credit Reporting Agencies ("CRAs") every month and will reflect the status of the account at the time of reporting. Exeter's records were reviewed, and it has been confirmed that the information reported to the CRAs was accurate. As such, Exeter will not honor ****************** request to delete the valid tradeline from their credit file based on the claims presented in this complaint.
  
  We trust this answers any questions associated with the complaint. If ************** has any questions about these or any other concerns, Exeter encourages them to contact the Office of the President at 877-877-4943.
  
  
  Sincerely,
  
  
  Office of the President
  Exeter Finance
  
  
  Consumer Response /* (3000, 7, 2022/10/13) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  15 U.S.C 1681 section 602 A: States I have the right to privacy.
  15 U.S.C 1681 section 604 A Section 2: States a consumer reporting agency cannot furnish an account without my written instructions.
  
  
  Business Response /* (4000, 9, 2022/10/17) */
  October 17, 2022
  
  Better Business Bureau of Metropolitan Dallas, Inc.
  1601 Elm Street
  Ste. 3838
  Dallas, Texas 75201
  
  RE: ****** *************** Case # XXXXXXXX
  
  
  To Whom It May Concern:
  
  On October 14, 2022, Exeter Finance LLC ("Exeter") received notice that ****** *************** ********************* had additional concerns that they wanted to bring to Exeter's attention regarding the complaint filed through the Better Business Bureau on September 29, 2022, regarding their credit reporting. Exeter's success is based on customer satisfaction with our products and services, so the issues presented in this complaint are taken seriously and every effort is made to provide a prompt and equitable response.
  
  While we regret that ************** is not satisfied with Exeter's response, we believe that their concerns have been fully addressed regarding their credit reporting. A stated in our initial response dated October 12, 2022, as a creditor, Exeter has the right to report its consumer's account information in accordance with the guidelines stated in the Fair Credit Reporting Act ("FCRA"). Exeter is bound by the FCRA which requires all accounts to be reported accurately and factually. Account information is furnished to the Credit Reporting Agencies ("CRAs") every month and will reflect the status of the account at the time of reporting. Exeter's records were reviewed, and it has been confirmed that the information reported to the CRAs was accurate. As such, Exeter will not honor **************'s request to delete the valid tradeline from their credit file based on the claims presented in this complaint.
  
  We trust this answers any questions associated with the complaint. If Johnson has any questions about these or any other concerns, we encourage them to contact us at XXX-XXX-XXXX.
  
  Sincerely,
  
  
  Office of the President
  Exeter Finance
  
  
  Consumer Response /* (4200, 11, 2022/10/19) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  Exeter Finance is in violation of my rights in multiple ways They do not have my written instructions to release any of my private information or Consent for Release of Information form on record
  
  
  Business Response /* (4000, 13, 2022/10/20) */
  October 20, 2022
  
  Better Business Bureau of Metropolitan Dallas, Inc.
  1601 Elm Street
  Ste. 3838
  Dallas, Texas 75201
  
  RE: ****** ************* Case # XXXXXXXX
  
  
  To Whom It May Concern:
  
  On October 19, 2022, Exeter Finance LLC ("Exeter") received notice that ****** ************* ("*************") had additional concerns that they wanted to bring to Exeter's attention regarding the complaint filed through the Better Business Bureau on September 21, 2022, regarding their credit reporting. Exeter's success is based on customer satisfaction with our products and services, so the issues presented in this complaint are taken seriously and every effort is made to provide a prompt and equitable response.
  
  While we regret that ************* is not satisfied with Exeter's response, we believe that their concerns have been fully addressed regarding their credit reporting. As stated in our initial response dated October 12, 2022, and a renewed response dated October 17, 2022, as a creditor, Exeter has is obligated to report its consumer's account information in accordance with the guidelines stated in the Fair Credit Reporting Act ("FCRA"). Exeter is bound by the FCRA which requires all accounts to be reported accurately and factually. Account information is furnished to the Credit Reporting Agencies ("CRAs") every month and will reflect the status of the account at the time of reporting. Exeter's records were reviewed, and it has been confirmed that the information reported to the CRAs was accurate. As such, Exeter will not honor **************'s request to delete the valid tradeline from their credit file based on the claims presented in this complaint.
  
  We trust this answers any questions associated with the complaint. If ************* has any questions about these or any other concerns, we encourage them to contact us at 877-877-4943.
  
  Sincerely,
  
  
  Office of the President
  Exeter Finance
  
  
  Consumer Response /* (4200, 15, 2022/10/21) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  Exeter Finance is bound by the FCRA to report information if giving consent with written instructions on how to do so
  
  
  Business Response /* (4000, 17, 2022/10/25) */
  October 25, 2022
  
  Better Business Bureau of Metropolitan Dallas, Inc.
  1601 Elm Street
  Ste. 3838
  Dallas, Texas 75201
  
  RE: ****** ************** Case # XXXXXXXX
  
  
  To Whom It May Concern:
  
  On October 24, 2022, Exeter Finance LLC ("Exeter") received notice that ****** ************** ("**************") had additional concerns that they wanted to bring to Exeter's attention regarding the complaint filed through the Better Business Bureau on September 29, 2022, regarding their credit reporting. Exeter's success is based on customer satisfaction with our products and services, so the issues presented in this complaint are taken seriously and every effort is made to provide a prompt and equitable response.
  
  While we regret that ************* is not satisfied with Exeter's response, we believe that their concerns have been fully addressed regarding their credit reporting. As stated in our initial response dated October 12, 2022, and subsequent responses dated October 17, 2022 and October 20, 2022, as a creditor, Exeter has the right to report its consumer's account information in accordance with the guidelines stated in the Fair Credit Reporting Act ("FCRA"). Exeter is bound by the FCRA which requires all accounts to be reported accurately and factually. Account information is furnished to the Credit Reporting Agencies ("CRAs") every month and will reflect the status of the account at the time of reporting. Exeter's records were reviewed, and it has been confirmed that the information reported to the CRAs was accurate. As such, Exeter will not honor **************'s request to delete the valid tradeline from their credit file based on the claims presented in this complaint.
  
  We trust this answers any questions associated with the complaint. If Johnson has any questions about these or any other concerns, we encourage them to contact us at 877-877-4943.
  
  Sincerely,
  
  
  Office of the President
  Exeter Finance
  
  
  Consumer Response /* (4200, 19, 2022/10/26) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  Exeter Finance LLC is bounded by the FCRA to report accurate and factual accounts with written consent of the consumer If said company does not have written consent that company is violating the FCRA
  
  
  Business Response /* (4000, 21, 2022/10/28) */
  October 28, 2022
  
  Better Business Bureau of Metropolitan Dallas, Inc.
  1601 Elm Street
  Ste. 3838
  Dallas, Texas 75201
  
  RE: ****** ************** Case # XXXXXXXX
  
  
  To Whom It May Concern:
  
  On October 27, 2022, Exeter Finance LLC ("Exeter") received notice that ****** ************** ("**************") had additional concerns that they wanted to bring to Exeter's attention regarding the complaint filed through the Better Business Bureau on September 29, 2022, regarding their credit reporting. Exeter's success is based on customer satisfaction with our products and services, so the issues presented in this complaint are taken seriously and every effort is made to provide a prompt and equitable response.
  
  While we regret that ************* is not satisfied with Exeter's response, we believe that their concerns have been fully addressed regarding their credit reporting. As stated in our initial response dated October 12, 2022, and subsequent responses dated October 17, 2022, October 20, 2022, and October 25, 2022, as a creditor, Exeter has the right to report its consumer's account information in accordance with the guidelines stated in the Fair Credit Reporting Act ("FCRA"). Exeter is bound by the FCRA which requires all accounts to be reported accurately and factually. Account information is furnished to the Credit Reporting Agencies ("CRAs") every month and will reflect the status of the account at the time of reporting. Exeter's records were reviewed, and it has been confirmed that the information reported to the CRAs was accurate. As such, Exeter will not honor **************'s request to delete the valid tradeline from their credit file based on the claims presented in this complaint.
  
  We trust this answers any questions associated with the complaint. If ************** has any questions about these or any other concerns, we encourage them to contact us at XXX-XXX-XXXX.
  
  Sincerely,
  
  Office of the President
  Exeter Finance
  
  
  Consumer Response /* (4200, 23, 2022/10/31) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  Like I have stated in my previous response Exeter Finance is in violation of my federally protected rights Exeter Finance continue to say they are bound by the FCRA to report accurate and factual I require Exeter Finance to investigated the accuracy and factuality of their reporting Thanks I truly appreciate it
  
  
  Business Response /* (4000, 25, 2022/11/03) */
  November 3, 2022
  
  Better Business Bureau of Metropolitan Dallas, Inc.
  1601 Elm Street
  Ste. 3838
  Dallas, Texas 75201
  
  RE: ****** ************** Case # XXXXXXXX
  
  
  To Whom It May Concern:
  
  On November 1, 2022, Exeter Finance LLC ("Exeter") received notice that ****** ************** ("**************") had additional concerns that they wanted to bring to Exeter's attention regarding the complaint filed through the Better Business Bureau on September 29, 2022, regarding their credit reporting. Exeter's success is based on customer satisfaction with our products and services, so the issues presented in this complaint are taken seriously and every effort is made to provide a prompt and equitable response.
  
  While we regret that ************* is not satisfied with Exeter's responses, we believe that their concerns have been fully addressed regarding their credit reporting. If ************** has any new information to provide, we will reopen the complaint. At this time, we consider this complaint closed and will not respond unless new information is provided.
  
  We trust this answers any questions associated with the complaint. If ************** has any questions about these or any other concerns, we encourage them to contact us at 877-877-4943.
  
  Sincerely,
  
  
  Office of the President
  Exeter Finance
  
  
  Consumer Response /* (4200, 27, 2022/11/04) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  Exeter Finance is violating my consumer rights I requested an investigation of the accuracy and factuality of previously stated reporting And Exeter Finance is bound by law to provide me with an investigation report

• Initial Complaint

  Date:09/23/2022

  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 NOT FOR THIS DEBT AND I DO NOT HAVE THE CONTRACT WITH EXETER FIN PLUS THEY DO NOT PROVIDE THE ORIGINAL APPLICATION LIKED I ASKED
  

  Business Response

  Date: 12/08/2022

  Business Response /* (1000, 5, 2022/10/07) */
  October 7, 2022
  
  Better Business Bureau of Metropolitan Dallas, Inc.
  1601 Elm Street
  Ste. 3838
  Dallas, Texas 75201
  
  RE: ******* ********* Case # XXXXXXXX
  
  To Whom It May Concern:
  
  On September 23, 2022, Exeter Finance LLC ("Exeter") received notice regarding a complaint filed through the Better Business Bureau. Exeter would like to thank ******* ********* ("*********") for the opportunity to address their concerns regarding their credit reporting. Exeter's success is based on customer satisfaction with our products and services, so the issues presented in this complaint are taken seriously and every effort is made to provide a prompt and equitable response. Exeter has thoroughly investigated the complaint and made the following determination.
  
  Regarding *********'s credit reporting, Exeter has received multiple indirect disputes filed through the credit reporting agencies ("CRAs") on *********'s behalf beginning in June 2017; all disputes were responded to within 30 days. In response to those disputes, Exeter's records were reviewed, and the information reported to the CRAs was confirmed to be accurate. As such, Exeter will not honor *********'s request to remove the valid tradeline from their credit file based on the claims presented in this complaint.
  
  Exeter is bound by the Fair Credit Reporting Act which requires all accounts to be reported accurately and factually. Account information is furnished to the CRAs every month and will reflect the status of the account at the time of reporting.
  
  Under separate cover, ********* will receive a copy of their executed Contract and a Statement of Account, showing all account activity over the life of the account. Exeter considers both documents to be a validation of debt, no additional documents will be provided.
  
  Additionally, on or about November 17, 2017, *********'s account was sold and is now serviced by Jefferson Capital Systems, LLC ("Jefferson Capital"). We are unable to act with respect to this account regarding any matters that occurred after the sale of this debt. ********* would need to contact Jefferson Capital to discuss any updates regarding their tradeline. ********* may contact Jefferson Capital at (800) 281-2793.
  
  We trust this answers any questions associated with the complaint. If ********* has any questions about these or any other concerns, Exeter encourages them to contact the Office of the President at 877-877-4943.
  
  
  Sincerely,
  
  
  Office of the President
  Exeter Finance

• Initial Complaint

  Date:09/23/2022

  Type:Product 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.

  Our vehicle had got repossessed it had been towed twice and a key was made we paid $4000 or more to get our vehicle and it came back damaged now we don't want to have to go to court but this is not right American recovery we think damaged the vehicle and Exeter let them do they're own research or investigation and said it was denied because they did not find proof and the guy ***** really does not care at Vendor support he helps them commit fraud and told me that they are going to enforce the contract and gen the vehicle is damaged almost beyond repair phone number is XXXXXXXXXX the rear deferential was broke there is no way for us to that it's has been in multiple shops to see how did it happen and we had to wait to get it fixed after picking it up from the auction

  Business Response

  Date: 12/30/2022

  Business Response /* (1000, 5, 2022/10/07) */
  October 7, 2022
  
  Better Business Bureau of Metropolitan Dallas, Inc.
  1601 Elm Street
  Ste. 3838
  Dallas, Texas XXXXX
  
  RE: ****** ***** - Case # XXXXXXXX
  
  To Whom It *** Concern:
  
  On September 26, 2022, Exeter Finance LLC ("Exeter") received notice regarding a complaint filed through the Better Business Bureau. Exeter would like to thank ****** ***** ("*****") for the opportunity to address the concerns outlined in the complaint. Exeter's success is based on customer satisfaction with our products and services, so the issues presented in this complaint are taken seriously and every effort is made to provide a prompt and equitable response.
  
  Exeter contacted American Recovery Specialists, the repossession vendor and Columbus Fair Auto Auction regarding your claim, based on their account and evidence presented, we are unable to substantiate the claims made in this complaint. As such, Exeter will not honor *****'s request for a refund.
  
  We trust that this answers any questions associated with the complaint. If ***** has any questions about these or any other concerns, Exeter encourages them to contact the Office of the President at XXX-XXX-XXXX.
  
  Sincerely,
  
  
  
  Office of the President
  Exeter Finance LLC
  
  
  Consumer Response /* (3000, 7, 2022/10/10) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  The vehicle was practically new and we do not tow anything on the vehicle the vehicle was damaged when they towed it out of our garage you could not put a dolly on the vehicle while it was in the driveway or garage they had to pull it forward and that when they cracked the rear differential the vehicle was not even drivable when we got it back from the repo or auction lot I've explained this multiple times and that they had they're own people investigating something they did wrong we had a rental from when the vehicle had been paid for but was not Drive able and stayed in the shop if we need statements from Mazda and Tire discounters please let me know
  
  
  Business Response /* (4000, 9, 2022/10/20) */
  October 20, 2022
  
  Better Business Bureau of Metropolitan Dallas, Inc.
  1601 Elm Street
  Ste. 3838
  Dallas, Texas XXXXX
  
  RE: ****** ***** - Case # XXXXXXXX
  
  To Whom It *** Concern:
  
  On October 11, 2022, Exeter Finance LLC ("Exeter") received notice that ****** ***** ("*****") had additional concerns to bring to Exeter's attention regarding the complaint filed through the Better Business Bureau on September 26, 2022.
  
  While we regret that ***** is not satisfied with Exeter's previous response, we believe that the concerns have been fully addressed. As stated in Exeter's response dated October 7, 2022, Exeter contacted American Recovery Specialists, the repossession vendor and Columbus Fair Auto Auction regarding your claim, based on their account and evidence presented, we are unable to substantiate the claims made in this complaint. If you have evidence to corroborate your version of the events, please provide it to us for consideration.
  
  We trust that this answers any questions associated with the complaint. If ***** has any questions about these or any other concerns, Exeter encourages them to contact the Office of the President at XXX-XXX-XXXX.
  
  Sincerely,
  
  
  
  Office of the President
  Exeter Finance LLC

• Initial Complaint

  Date:09/23/2022

  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 making slow/low payments for my 2019 Nissan Versa through Car Max funded by Extere Financial LLc.
  
  I am not getting emails of receipts when requested.
  
  I was told my card would be reposed in 14 days after requesting a first time hardship extensions after paying on time for the last 2 1/2 years of $403.00 per month

  Business Response

  Date: 12/08/2022

  Business Response /* (1000, 5, 2022/10/07) */
  October 7, 2022
  
  Better Business Bureau of Metropolitan Dallas, Inc.
  1601 Elm Street
  Ste. 3838
  Dallas, Texas 75201
  
  RE: ***** ******* - Case # XXXXXXXX
  
  To Whom It May Concern:
  
  On September 26, 2022, Exeter Finance LLC ("Exeter") received notice regarding a complaint filed through the Better Business Bureau. Exeter would like to thank ***** ******* ("*******") for the opportunity to address the concerns outlined in the complaint. Exeter's success is based on customer satisfaction with our products and services, so the issues presented in this complaint are taken seriously and every effort is made to provide a prompt and equitable response.
  
  On September 12, 2022, ******* contacted Exeter and requested the payment history for the account. *******' request wasn't completed until September 28, 2022, due to a processing error. Exeter apologizes to ******* for the delay and any inconvenience this may have caused.
  
  On September 21, 2022, ******* contacted Exeter and requested payment assistance. ******* agreed to a two-month payment extension for the August and September 2022 payments. The extension was processed that same day and the extension agreement was sent to *******' address on file. In response to this complaint, on September 28, 2022, a copy of the payment extension form was resent via email with a Statement of Account showing all account activity through September 27, 2022, as previously requested. Exeter is unable to substantiate *******' claim of being threatened with repossession in 14 days as stated in this complaint.
  
  We trust that this answers any questions associated with the complaint. If ******* has any questions about these or any other concerns, Exeter encourages them to contact the Office of the President at 877-877-4943.
  
  Sincerely,
  
  
  
  Office of the President
  Exeter Finance LLC