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 Corporation

  PO Box 390477 Minneapolis, MN 55439

• 

  Exeter Finance Corp

  12 N State Route 17 Paramus, NJ 07652

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:07/15/2023

  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 any debt with Exeter Financial, I don't have the Jeep Patriot I had a contract with Exeter for it was reposed. I called them on more than one occasion giving them all that I had towards the Jeep Patriot. At the time I only had one source of income, I traded my **** Flex as collateral which I only got $2000 off of the trade and ended up in a ****** car note having to pay 475 a month. I was placed on a extremely high contract that was completely out of my finances support by Napoleton Auto. They indeed accepted partial payments but failed to be satisfied with partial payments and sent a tow truck to repose my Jeep on January 1, 2023. Before this occurred I reached out to them and also to the dealership Napoleton Auto and everyone at Exeter Finance refused to help with adjusting the payments. Giving me nothing but run around and we cant refinance and I should speak to one of the two parties in question Napoleton/Exeter as to why the payment couldn't be adjusted. After they retrieved my vehicle they went fourth and sold my vehicle at auction and left me with a sum of $9,000 usd on my credit to be repaid. Due to them taking the vehicle I was left to quite my job because I had no real form of transportation after the repossession. Lawfully I feel this was not acceptable for a company that has been around for years. They have tampered with my children and I living situation by taking my Jeep and leaving such a high sum on my credit to be paid after they did get some type of payment from me.

  Business Response

  Date: 07/28/2023

  Better Business Bureau of Metropolitan ***********.
  *************************
  Ste. 1600
  ******,***** 75201
  
  RE:****************** - Case # ********
  
  To Whom It May ****************** July 17, 2023,Exeter Finance LLC (Exeter) received notice regarding a complaint filed through the Better Business Bureau (BBB). Exeter would like to thank ****************** (*****) for the opportunity to address their concerns. Exeters 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 the repossession, on November 08, 2022, Exeter mailed ***** a Notice of Right to Cure Default (Notice) to the address on file, advising they had until November 21, 2022, to pay the total amount due of $496.19 or we may repossess the collateral secured by the Contract and exercise all of our rights under the law.
  
  On October 10, 2022, ***** called and spoke to a ******** Service Agent (***)regarding how to reduce the monthly payments on the account. The *** advised ***** that she could try refinancing the auto loan and offered a Due Date Change after the first payment is processed. As of December 22, 2022, a full payment had not been received, as such, the Vehicle was assigned for repossession.
  The Vehicle was repossessed on January 3, 2023, due to non-payment. On January 4,2023, a Notice of our Plan to Sell Property was sent to *****, which explained the right to redeem the Vehicle by paying all amounts owed before the expiration date. The notice explained that the Vehicle would be sold at auction sometime after January 27, 2023, if the Vehicle is not redeemed.
  The Vehicle was sold at auction on February 08, 2023, as the result of the repossession. The auction proceeds were applied to the account after the sale.On February 13, 2023, ***** was sent an Explanation of Calculation and Surplus or Deficiency advising of the deficiency balance for which ***** is responsible for after the sale of the Vehicle.
  On February 8, 2023, a refund in the amount of $2,346.73 for the cancellation of Gap, and the Service contract was applied to the account.  As a result, the balance owed on the account was reduced.
  
  Exeter has an obligation to the Fair Credit Reporting Act which requires all accounts to be reported accurately and factually. Exeters records were reviewed, and we are unable to substantiate the claim presented in this complaint of any violations by Exeter. The information reported to the ************************* was confirmed to be accurate, as such no adjustments are necessary.
  
  Under a separate cover, a copy of the executed Contract, and a Statement of Account showing all activity through July 22, 2023, will be sent for ****** review. Please be advised that the Statement of Account is available at any time by logging into MyAccount.ExeterFinance.com.
  
  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 ************.
  
  Sincerely,
  
  
  
  Office of the President
  Exeter Finance
  
  
  

• Initial Complaint

  Date:07/14/2023

  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.

  Hi , I financed the car from Exeter finance. I had a few late payments on the car that I tried to work out with Exeter. Unfortunately all of those late payments were sent to the end of my loan and when it was time to complete the loan they notified me that I would have to pay all the late fees. Those late fees accumulated to more than the original purchase price was. I had no choice but to repo because I couldnt not afford to pay that all at once. I asked exeter to work with me on that and they gave me no remedy. I feel that this was unlawful and exeter should have to answer for this.

  Business Response

  Date: 07/28/2023

  Better Business Bureau of Metropolitan ***********.
  *************************
  Ste. 6000
  ******,***** 75201
  
  RE:*****************************- Case # ********
  
  To Whom It May ****************** July 14, 2023, Exeter Finance LLC (Exeter) received notice regarding a complaint filed through the Better Business Bureau (BBB). Exeter would like to thank ***************************** (******) for the opportunity to address their concerns.Exeters 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.
  
  The Contract is a daily simple interest agreement, late payments will increase the interest charged, total number of payments, and total amount paid. In addition to the eight payment extensions processed on the account per ****** s request,a balance remained after the loan reached maturity, due to the late payments received and interest accruing during the extension periods. By signing the Payment Extension Agreement forms, ****** acknowledged that daily interest will continue to accrue during the extension periods and may result in a larger final payment.
  
  Exeter encouraged ****** during the extension process, to process extra payments throughout the life of the loan in order to avoid a larger final payment at the maturity date.  Exeter also suggested to ****** the option refinance with a different financial institution.
  
  
  Under separate cover, a copy of the executed Contract, and a Statement of Account showing all activity through July 21, 2023, will be sent for Majieds review.
  
  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 ************.
  
  Sincerely,
  
  
  
  Office of the President
  Exeter Finance
  

• Initial Complaint

  Date:07/14/2023

  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 currently have a financed vehicle with Exeter Finance. I recently lost my job, and have fallen behind on payments. They have been calling my relatives giving information on my account. Such as amount owed, and that I am behind on my payments. I am the ONLY authorized individual on this account. I never gave them any of my relativea information for contact, or agreed to have *************** information shared. This has been a HIGHLY embarrassing experience to have my relatives call me stating very detailed specifics about the conversations had with this company. I believe this is against the law for this company to act in this manner. Please help me with resolving this issue. Thank you!

  Business Response

  Date: 07/28/2023

  Better Business Bureau of Metropolitan ***********.
  *************************
  Ste. 1600
  ******, ***** 75201
  
  RE: *************************- Case # ********
  
  To Whom It May ****************** July 14, 2023, 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. Exeters 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.
  
  At Exeter we are committed to maintaining the highest standards of confidentiality and security for our customers. Due to the nature of the claims made by *******, we encourage them to reach out to our Office of the President at ************, so that we can address their concerns.
  
  
  Sincerely,
  
  
  Office of the President
  Exeter Finance LLC

• Initial Complaint

  Date:07/14/2023

  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 hard inquiry with EXETER FINANCE LLC/WCG reporting on my credit report.I never applied for anything with this company.

  Business Response

  Date: 08/02/2023

  Better Business Bureau of Metropolitan ***********.
  *************************
  Ste. 1600
  ******, ***** 75201
  
  RE: *******************- Case # ********
  
  To Whom It May ****************** July 14, 2023, 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. Exeters 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.
  
  Exeters records indicate that beginning on September 10,2021, one or more applications were received on Neals behalf from the dealerships listed below:
             September 10, 2021 *****************************, located ***************************************************, with phone number **************
  
             January 11, 2023 CARMAX -********** #****, located at ****************************************************************************************, with phone number **************
  
             March 29, 2023 **************** #****, located at *********************************************************, with phone number *************
  
             March 29, 2023 ****** -************ #****, located at *********************************************************************************************, with phone number **************
  
             May 7, ************************************, located at ***********************************************************************, with phone number *************
  
             June 9, ****************************** #****, located at *********************************************************, with phone number **************
  
             June 15, 2023 CARMAX - ************ #****, located at *********************************************************************************************, with phone number **************
  
  
             July 6, ****************************** #****, located at ***********************************************************************, with phone number *************
  
  The application for credit **** completed should have included a disclaimer and authorization for the dealerships to submit the application to other lenders to qualify them for financing. This authorization is typically located on the application under the heading CONSENT TO RELEASE INFORMATION. If **** did not in fact apply for credit at the location during the referenced time, they should contact the dealership for assistance.
  
  
  As the originator of the information provided, the dealership must contact Exeter directly to authorize the removal of the inquiry. The dealership may fax this request to ************** or mail to Exeter Finance LLC, Attn: Credit Reporting Dept.,P.O. Box ******, ******, ** 75016-6097.
  
  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 ************.
  
  Sincerely,
  
  
  
  Office of the President
  Exeter Finance LLC
  

• Initial Complaint

  Date:07/13/2023

  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.

  Im filing this complaint against experian *I have tried and sent countless complaints and ftc identity theft reports showing and proving Im a victim of identity theft and I have been ignored *experian has shown negligence and disregard for my rights and privacy* I filed a ftc complaint against Exeter finance for stealing my identity and using it to open this fraudulent account in my name *I will provide documentation to prove that Exeter finance has went as far as to deceive experian *exeter finance initial balance was ****** dollars then the amount changed to ****** dollars*exeter finance made experian believe that the car was sold at auction and that was the remaining balance* resources I have has provided that the state of ga has no record of a repossession*my information I have been giving has shown by a previous manager that Exeter finance has placed this vehicle on a truck sent the vehicle out of state by Car*** so this vehicle woujd not be found *the vehicle was sold to an individual in ********this Camaro was sold to an auction* this was made to be a. deception by exeter finance and car*** * experian ran an auto check and found by running the vin number*the vehicle was purchased by an individual that bought from car*** in ******* not at an auto auction* because like the documents I have that show this vehicle was spotted on the website of car*** and it was setting on a car*** car lot in ******* I have the documentation to prove it *exeter finance has deceived both **** and has denied removing this fraudulent account*the of ga does it have any record of any repossession of that vehicle*I also have fabricated documents that was sent to an address I dont live was shown that the car was sold at an auction* but wasnt *so Exeter finance has lied * now remove this car from my credit report or I will *** for Damages and negligence by Exeter finance and I will file this complaint with the attorney general in ***** for review and show that Exeter finance committed fraud and lied about the selling of this car I never owned *I will not under no circumstances send any information to Exeter finance. My information has already by this company been compromised and used *car*** helped Exeter finance by providing false statements and information of the where about sand how this car was sold and I will also turn this over to the attorney general for the state of ga *for deception and not providing accurate information on how this vehicle was sold *I have documentation that shows the date that car was bought and where it was bought from (car*** car lot in *******) this vehicle was found by the vin number being searched by experian and this vehicle needs to be remove before I file suite thats all you got to do in this matter * I will provide the attorney general in ***** that documentation to show the matter in which Exeter finance has not provided any information on the that the car was sold at auction it never was *I ran this pass a good friend for the state all repossessions are supposed to be reported as reposssed that didnt happen but yet Exeter finance got car*** to load this vehicle on a truck and take out of state to another car lot and lied his the car was sold * thats deception and covering up as fraud in this matter*easy fix I dont want money or anything just remove this vehicle or Im going to the news media and provide those documents to an investigative reporter and show just how Exeter finance needs to be brought under investigation by **** and the federal trades commission for fraud * please dont make me push any more points I tried to be nice your reps on the phone were very rude and unprofessional and recorded *in my state I can record anyone I see fit under ga start ga * remove this account from experian thank . Now here is a cease and desist demand as of today I can file an initial order and send to Exeter finance. 1) stop sending letters of a harassing nature 2) you are being requested by the sole authority of that property not to send anymore letters to that address 3) do not try any form to communicate through that address or your actions will be deemed inappropriate and harassing. 4) any further communication from this point will be considered harassment by Exeter finance and deemed inappropriate for further action against the exeter finance 5) legal action will be initiated and a report filed for any further action will be documented and used for the purposes described in this cease and desist order*calls will be recorded and documented and immediately reported as harassment. 6) as of today no letters or any communication or correspondence from exeter finance will be made or received communication stops as of this filing with the **** *this serves as a notice and written communication. 7) this communication is to be taking seriously *follow this order as it is written any disregard will be a complaint filed for harassing from this point This is to be seriously and considered what this complaint and order that has been filed *the person at that address has complained to law enforcement about the constant harassment from Exeter finance stop sending letters *that account is fraud and needs to be removed immediately and stop using my personal as gain or you will be ***d for actual damages* Im asking fro this point nicely you have deceived experian Experian remove this account from my file please read this entire complaint* this car and information that was provided was fraudulent. 8)any communication from this point after Exeter Finance receives this communication and fails to abide by its terms as written will be handled by authorities for any harassment* the sole person responsible for this cease and desist order demands you stop any and all activity if ignored charges will be filed Thank you I spoke to your account manager ***** over the phone today 06/26/2023 this information im sending Exeter finance meds to be taking seriously*I have not open any account I have explained to ***** over the phone I will not send any information to Exeter finance*yall have already compromised my information with out my knowledge*I have considered turning this over to an attorney to start a law suite but I would consider this matter closed if this account is taking off my credit report* I have stated to ***** (account manager or department manager) that my information was leaked on the dark web she started a inquiry on my be half * I have also initiated an investigation through experian I did not open this account*the information I am providing is a ftc identity theft report and screenshots showing this vehicle was not repossessed nor was it sold at an car auction* this vehicle was found on a lot in ******* by an investigator and said that this vehicle was ok the lot of car *** when sold *false and misleading information was sent to an address I did not Ive at which Is my girlfriends address* the letter stated that the car was repossessed and sold to an auction* this is false information*experian and the investigator notified me about the information provided* the vin number was ran through the state of ga system and found that the vehicle was not repossessed and that in fact not information was found that the vehicle has been sold at any auction in ga *sense I didnt own this vehicle*by the information I was giving that any vehicle repossessed and claiming that it was auctioned off has to be recorded and reported through the state of ga *experian and the investigator provided such information* under the direction of the investigator and advice of attorney I will not provide any information to Exeter finance***** committed identity theft to me *just take this off my credit I have information that contradicts the letter in which **** sent to the address I never lived at * and that this car was not repossessed at all *its simple just take the account off my credit report and that would be it * I have proof that someone at Exeter finance lied and sent false information that can be used in open court im not willing to go that far not file any suite * but it would be my right to *the information that was provided to experian is false and misleading information*it needs to be deleted immediately*that vehicle was sold to an individual in ******* from car *** * the investigator found and spoke to a manager and that information was given to reference that the vehicle was not sold at an auction*rather it was loaded in a truck and sent out of state to avoid the vehicle being found because mr ****** information was used * I am a victim of identity theft* please do not ask for my information as Im providing enough to Exeter finance to remove this account from report * yall have used my information illegally and now I am showing that the information I have and what was provided to me shows that this vehicle was sold by car *** in ******* to a male 12/09/2022 and its shows on auto check as this vehicle was never repossessed by Exeter finance and was not reported *plesse delete this account im also sending a letter from the *** showing through them a victim of identity theft* someone tried to file taxes in my name by using my information*my information was leaked on the dark web *and a letter from ***** Fargo showing a data breach of my information so you can an understanding of what I been through this information im sending will be saved as proof Im sending to Exeter finance ***** Fargo knew about the data breach in 2016 and did not notify me or any consumer until 2020 they were fined and investigated for the incident*I have ***d and won my case against ***** Fargo for leaking and exposing my information* and they have open numerous accounts fraudulently In my name please understand what I have been through with all this I have locked down my credit so please thank you

  Business Response

  Date: 07/27/2023

  July 27, 2023         
  
  Better Business Bureau of Metropolitan ***********.
  ***********************************************************************
  
  
  RE:*****************;              ID # ********
  
  
  To Whom It May ********   
  
  On July 14, 2023, 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. Exeters 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.
  
  On July 13, 2023, ***** spoke with a member of our Exeter Leadership Team and came to an agreement which was sent to ***** in writing under separate cover. Exeter will communicate directly with ***** moving forward. As such, the complaint is being closed with your office.
  
  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 ************.
  
  
  Sincerely,
  
  
  
  Office of the President
  Exeter Finance LLC

• Initial Complaint

  Date:07/13/2023

  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.

  To whom it may concern I ************************* purchase my vehicle in the year of 2016 my monthly payment is $351.68 I've had my car for 7 years I received two letters from Exeter finance company stating that my maturity date was July 25th 2023 then I received another letter stating that my maturity date will be August 25th ******************************************************************************************************************************* 2021 I have seven years to pay my car off now they're telling me that I owe $***** more after my maturity date which is August 25th *************************************** them until the $***** is paid off how can I owe this company ***** when I had this car for 7 years and I'm making my payments and I ain't telling me that I still have to pay $***** on my car after August the 25th 2023 and that they were enroll me in a program and I will have to pay to this program company the payments until I pay the $***** off I disagree with that because there's no way that I still owe $***** for my vehicle when I only sign for this car for 7 years contract you cannot pay for a car for 12 13 and 14 years on a vehicle when you sign a contract I need this to be investigated and I want it settled I want it settled they going to make some adjustment because I do not owe them those ***** on my vehicle when I already done paid them for seven years contract on my car I don't know what they're doing I don't know what exit is finance company is doing but they need to be under investigation and I never ever want to deal with this company ever again because something is clearly wrong here there's no way you telling me Mama ***** that is August 25th 2023 and you sent me a letter saying it's August 20th 27th July the 25th 2023 then you send me another letter saying August 25th ********************************** that after I paid the company I want this investigative and I want to settlement resolution to this company I will be expecting someone to contact me at ************ as soon as possible this cannot be there is clearly something fishy is going on with this company and whatever is going on it needs to be investigated because there's no way you can keep sending me letters and saying I'm maturity date and then you telling me that you going to enroll me in a program no way.

  Business Response

  Date: 07/26/2023

  July 26, 2023
  
  Better Business Bureau of Metropolitan **********.
  *****************************Ste. 3838
  ******, ***** 75201
  
  RE: ************************* - Case # ********
  
  To Whom It May ****************** July 13, 2023, 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. Exeters 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 June 11, 2016, ****** signed a Retail Installment Contract (Contract) for the purchase of a vehicle.  The Contract payment schedule stated 72 monthly payments of $351.61 beginning July 11, 2016.On February 1, 2021, ****** requested and was granted, a payment due date change (***) from the 11th to the 25th of each month,effective February 17, 2021.
  
  This is a simple interest account, which means interest accrues daily. Late payments, extensions, and the number of days between payments impacted the amount of interest charged and the account balance. As indicated in the Contract, payments are applied as follows; first to earned and unpaid part of the Finance Charge, second to the unpaid part of the Amount Financed, and then to other amounts owed under the Contract, if applicable.
  
  The Finance Charge, Total of Payments, and Total Sale Price shown on the Contract assumes that every payment will be paid on the day it is due. The Finance Charge, Total of Payments, and Total Sale Price will be more if paid late and less if paid early.
  
  A total of 71 payments have been completed on the account, of which multiple payments were received after the due date. In addition to late payments, ****** requested and was granted 14 payment extensions on the account. During the months extended, interest continued to accrue.
  
  ****** was sent the first of three Notices of Upcoming Account Maturity (Notice) on May 27, 2023, explaining the account would mature on August 25, 2023, not July 25,2023, as stated in the complaint and they would be required to pay the remaining account balance in full. A second Notice was sent on June 26, 2023,with the same maturity date. The original maturity date of June 11, 2022, was extended due to the *** and 14 payment extensions ****** received.
  
  Exeter does not offer refinancing; therefore, will not refinance or otherwise change the existing terms of the Contract. ****** has the option to sell or trade the vehicle in. In addition, ****** can surrender the vehicle voluntarily. If this option is chosen, the account will be reported to the credit reporting agencies (CRAs) as a voluntary repossession and such report is derogatory in nature.****** would be responsible for any deficiency balance remaining on the account after the auction sale of the vehicle. 
  
  Exeter will continue to accept payments on the outstanding balance after the maturity date, however, the account will remain delinquent until paid in full and will be reported as such to the CRAs. In addition, there is a possibility that the account will be reviewed and assigned for repossession if the balance is not satisfied in a timely manner.
  
  Exeter has determined that the account balance is accurate due to late and extended payments. We dispute ******* claim that the balance is due to Exeter enrolling them in a program as we are unaware of such program.
  
  Under a separate cover, Exeter is sending ****** a copy of the executed Contract and a Statement of Account showing all account activity through July 18, 2023. Also included will be a Simple Interest Tool that *** help to better understand how interest is calculated and how payments are allocated.
  
  We trust this response 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 ************.
  
  Sincerely,
  
  
  
  Office of the President
  Exeter Finance LLC

  Customer Answer

  Date: 08/05/2023

  I am rejecting this response because:   I don't have any outstanding balances on my vehicle account I have spoken to the company several times and I have been told that I was updated on my account and I have paid my late payments fee I have been making my payments and someone has bought this company out in April ****************************************************************** but others also. I checked into it and that is when I realized that this company was bought out but another company and when that happen people are trying to make money also they sells your account to **************** to a third party it happens all the time and I see that all the time this company never informed it's customers about anything and I know that they were bought out by another company and anytime another company buy out another company they sell your accounts to the new company to make a profit but I will be contacting the media news and let them get involved as well this is a scam.

   

  Business Response

  Date: 08/24/2023

  August 24, 2023
  
  Better Business Bureau of Metropolitan ***********.
  *****************************Ste. 3838
  ******, ***** 75201
  
  RE: ************************* - Case # ********
  
  To Whom It May ****************** August 15, 2023, Exeter Finance LLC (Exeter) received notice that ************************* (******) had additional concerns to bring to Exeters attention regarding the complaint filed through the Better Business Bureau on July 13, 2023.
  
  While we regret that ****** is not satisfied with Exeters previous response, we believe that their concerns have been fully addressed. As stated in Exeters previous response dated July 26, 2023, ****** has a simple interest account,which means interest accrues daily. Late payments, extensions, and the number of days between payments impacted the amount of interest charged and the account balance.
  
  As indicated in the Contract, payments are applied as follows; first to earned and unpaid part of the Finance Charge, second to the unpaid part of the Amount Financed, and then to other amounts owed under the Contract, if applicable.
  
  The Finance Charge, Total of Payments, and Total Sale Price shown on the Contract assumes that every payment will be paid on the day it is due. The Finance Charge, Total of Payments, and Total Sale Price will be more if paid late and less if paid early.
  
  A total of 71 payments have been completed on the account, of which multiple payments were received after the due date. In addition to late payments, ****** requested and was granted a Due Date Change (***) and 14 payment extensions on the account. During the months extended, interest continued to accrue. As of the date of this response, the account is current, with outstanding late charges for payments completed more than 10 days after the due date.
  
  ****** was sent the first of three Notices of Upcoming Account Maturity (Notice) on May 27, 2023, explaining the account would mature on August 25, 2023, and they would be required to pay the remaining account balance in full. The original maturity date of June 11, 2022, was extended due to the *** and 14 payment extensions ****** received.
  
  Exeter does not offer refinancing for pre-existing accounts; therefore, will not refinance or otherwise change the existing terms of the Contract. ****** has the option to sell or trade the vehicle in. In addition, ****** can surrender the vehicle voluntarily. If this option is chosen, the account will be reported to the credit reporting agencies (CRAs) as a voluntary repossession and such report is derogatory in nature. ****** would be responsible for any deficiency balance remaining on the account after the auction sale of the vehicle. 
  
  Exeter will continue to accept payments on the outstanding balance after the maturity date, however, the account will become delinquent if the balance is not paid in full by the maturity date and will be reported as such to the CRAs. In addition, there is a possibility that the account will be reviewed and assigned for repossession if the balance is not satisfied in a timely manner.
  
  Exeter has determined that the account balance is accurate due to late and extended payments. Exeter disputes ****** claims regarding the sale of their account as the account has not been sold since it originated.
  
  We trust this response 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 ************.
  
  Sincerely,
  
  
  
  Office of the President
  Exeter Finance LLC

  Customer Answer

  Date: 08/24/2023

  I disagree with that I have the contract where I signed for this finest car in 2016 I had 72 months to pay off my car my car is not in no late fee balance or anything of that nature Exeter finance company sold this company to another company and this other company who's trying to collect money from me or for $7,000 saying that I have a interest there's no interest once you start making the first payment on a vehicle your interest is also included with the payments so there's no interest that I owe on that car there's no late fee there's no late payment on the vehicle so I don't understand what the finest company is talking about but like I told you I will be contacted a lawyer I will be suing them and taking them to court so you can deal with that because I call reach out to you all for you all to help me but you're not helping me point against me you're not trying to help me solve the problem so I'm going to have to take it to a court and *** them because there's no way that if my maturity date is July June and then you say you lie down you saying August and are you still want me to pay $7,000 that I do not owe to exit the finance company they sold this company back in April of 2021 whoever bought this company is trying to make people pay I already contact the news media and I will be having an interview with them and there are the same one that's having problems not with just extra finance company with other people who's finance their car and they're trying to get money out of people so guess what now it's time to expose these companies for what they're saying this is a bunch of lies and it's bogus and I am not going to sit here and let somebody tell me that I got to pay 10 or 12 or 13 years on a car

   

• Initial Complaint

  Date:07/13/2023

  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.

  DATE 7/3/23 EXETER FINANCE **** *************************************************** ******, ** ***** REQUESTING DELETION OF TRADELINE FROM ALL CREDIT REPORTING (EXETER FINANCE LLC- 680681XXXXXXXXXX)To whom it may concern, I am writing in regard to the above referenced account and transactions. This vehicle was repossessed in the State of ******** and resold Under the laws of the State of ******** UCC-1 and State RISA and MVISA statutes a deficiency cannot be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports (EXPERIAN, TRANSUNION AND EQUIFAX will be considered a violation of the ***** and FCRA.In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies.

  Business Response

  Date: 07/27/2023

  Better Business Bureau of Metropolitan **********.
  *************************
  Ste.3838
  ******,***** 75201
  
  RE:************************* - Case # ********
  
  To Whom It May ****************** July 13, 2023, 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. Exeters 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 January 21, 2020, ****** signed a Retail ************************** Vehicle - Simple Interest (Contract) for the purchase of a vehicle with **************************, **** which assigned the Contract to Exeter.
  Exeters records indicate that a Notice of Right to Cure Default (Notice) was sent to the Denhams address on file on June 23, 2021, which explained that the total amount due must be paid by July 6, 2021.The total amount due was not satisfied by the expiration date and on October 22, 2021, the vehicle was assigned for repossession. The Vehicle was repossessed on June 22, 2022, due to non- payment.
  A Notice of our Plan to Sell Property (Notice) was sent to the address on file on June 23, 2022, which explained the right to or redeem the Vehicle by paying all amounts owed before the expiration date. The notice explained that the Vehicle would be sold at auction sometime after July 16, 2022, if the Vehicle is not redeemed.
  On September 27, 2022, ****** was sent an Explanation of Calculation and Surplus or Deficiency advising of the deficiency balance for which Denhams is responsible for after the sale of the Vehicle.
  Under separate cover, ****** will receive a copy of the Notice of Right to Cure Default, Notice of our Plan to Sell Property, and Explanation of Calculation and Surplus or Deficiency.
  Exeter has an obligation to the Fair Credit Reporting Act which requires all accounts to be reported accurately and factually. Exeters records were reviewed, and we are unable to substantiate the claim presented in this complaint of any violations by Exeter. The information reported to the ************************* was confirmed to be accurate, as such no adjustments are necessary.
  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 ************.
  
  
  Sincerely,
  
  
  
  Office of the President
  Exeter Finance LLC

  Customer Answer

  Date: 07/27/2023

  I am rejecting this response because:   
  

  The account you are reporting is identified as a ''repossession, yet you continued to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please immediately remove this account in its entirety from my credit file. This is against the FCRA 

• Initial Complaint

  Date:07/13/2023

  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.

  For the past 7 months, I have had issues with this company accurately maintaining my payment history. For the past 3 months, I've been charged fees for payments that were already made, payments that were withdrawn using *** while I asked that the *** be closed in December 2022 because they consistently used the wrong account number, costing me bank fees. No response to emails, no call backs and every customer service rep I spoke to did not take accountability nor did they try to fix this. Each person I spoke to simply said I owed money, how can they assist me in making a payment.

  Business Response

  Date: 07/27/2023

  July 27, 2023         
  
  Better Business Bureau of Metropolitan ***********.
  *************************************************************
  
  
  RE:**********************;        ID # ********
  
  
  To Whom It May ********   
  
  On July 13, 2023, 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. Exeters 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 ****** payment history, Exeters records were reviewed, and it was determined that all payments received have been allocated properly to the account. If ****** feels there are payments made and not applied, they can send a 10-day running bank statement showing the payments in question and we can research further.
  
  Exeters records were reviewed, and it was determined that all late fees assessed to Hodgess account are valid.
  
  Regarding the *** request, Exeter received ******* written request to cancel the recurring *** payment schedule from their account on May 8, 2023. As such, on May 9, 2023, the *** payment schedule was cancelled. Exeters records were reviewed, and we could not locate any prior written requests regarding the cancellation of the *** payment schedule.
  
  Exeters telephone records were reviewed, and we cannot substantiate ****** claims of our **************** Agents not taking accountability to assist.
  
  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 ************.
  
  
  Sincerely,
  
  Office of the President
  Exeter Finance LLC

  Customer Answer

  Date: 07/29/2023

  I am rejecting this response because:   I was told by an Exeter **************** representative named Maddy several weeks ago that my request to cancel my auto withdrawal took effect in December 2022, but according to this reply, it is just now being cancelled!  Further, this reply does not address why all my submitted payments weren't added to my history, correcting it and reimbursing me for fees I should not have had to pay.  This response does not correct my credit bureau information submitted by them either.  I would like written notification that corrections have been made and I would like to be reimbursed for false fees I've paid because of their errors. 

  Customer Answer

  Date: 08/14/2023

  I've paid my latest monthly bill but unfortunately, my account is still listing incorrect information.  My next payment is due 8/20/2023.

  Business Response

  Date: 08/15/2023

  August 15, 2023
  
  Better Business Bureau of Metropolitan ***********.
  *******************Ste.1600
  ******,***** 75201
  
  RE:**********************;    Case # ********
  
  
  To Whom It May ****************** August 13, 2023, Exeter Finance LLC (Exeter) received notice that *********************** (******) had additional concerns that they wanted to bring to Exeters attention regarding the complaint filed through the Better Business Bureau on July 02, 2023,regarding an Exeter account. *********************** 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 Exeters response, we believe that their concerns have been fully addressed regarding the Exeter account in question. As stated in our initial response dated July 27, 2023, regarding ****** payment history,Exeters records were reviewed, and it was determined that all payments received have been allocated properly to the account. If ****** believes there are payments made and not applied, they can send a 10-day running bank statement showing the payments in question and we can research further.
  
  Additionally, regarding the *** request, Exeter received ****** written request to cancel the recurring *** payment schedule from their account on May 8, 2023. As such, on May 9, 2023, the *** payment schedule was cancelled. Exeters records were reviewed, and we could not locate any prior written requests regarding the cancellation of the *** payment schedule.
  
  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 ************.
  
  Sincerely,
  
  
  Office of the President                         
  Exeter Finance LLC 

  Customer Answer

  Date: 08/17/2023

  I called into Exeter Finance in May 2023 and was told by their representative named *****, that my request to discontinue automatic withdrawals was received by Exeter in December 2022 so it doesn't make sense that Exeter's response is that my request was made in May, 2023.  Clearly, there is confusion about what occurred in May.  Also in May, during the same conversation with *****, I submitted a screenshot of my bank statement showing a withdrawal by Exeter after she confirmed that 2 payments had been received by Exeter.  That withdrawal, and the other withdrawal in May that wasn't cancelled are listed on the original attachment I submitted detailing payments from December 2022 to June.  All proceeding months have been paid.  My credit history is still incorrect and as of this writing, Exeter has a balance on my account showing more than $1,500.  If all my payments have been applied, my balance would be zero.  I provided six months of payment information to Exeter plus the payments for ***** July have been received.  Lastly, the fees they charged me of $140 should be returned to me.  This is not resolved, at all.

  Business Response

  Date: 09/11/2023

  September 11, 2023
  
  Better Business Bureau of Metropolitan ***********.
  ******************>Ste.1600
  ******,***** 75201
  
  RE:**********************;    Case # ********
  
  
  To Whom It May ********
  
  On August 25, 2023, Exeter Finance LLC (Exeter) received notice that *********************** (******) had additional concerns that they wanted to bring to Exeters attention regarding the complaint filed through the Better Business Bureau on July 13, 2023,regarding an Exeter account. *********************** 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 Exeters responses, we believe that their concerns have been fully addressed regarding the Exeter account in question. As stated in our initial response dated July 27, 2023, and August 15, 2023, regarding ****** payment history. Exeters records were reviewed, and it was determined that all payments received have been allocated properly to the account. If ****** feels there are payments made and not applied, they can send a 10-day unaltered running bank statement showing the payments in question and we can research further.
  
  Additionally, regarding the *** request, Exeter received ******* written request to cancel the recurring *** payment schedule from their account on May 8, 2023. As such, on May 9, 2023, the *** payment schedule was cancelled. Prior to this written *** cancellation, the *** had been previously cancelled in February 2022 due the delinquency of the account.****** set the *** back up in April 2022, however, was making the monthly payments prior to the due date, which prevented the *** payment from drafting on the payment due dates as scheduled.
  
  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 ************.
  
  Sincerely,
  
  
  Office of the President                         
  Exeter Finance 

  Customer Answer

  Date: 09/22/2023

  I do not accept this response because no month was delinquent.  Again, if you visit the payment history I attached to this complaint, I have identified payment information for EACH month.  Here it is again:

  February: Payment confirmed by bank withdrawal. 02/24 Electronic Check - ACH Debit ACH DEBIT- EXETERAUTO2022-
  ************* *******
  DESC:LOAN PMNT
  March: Payment submitted via Money Order. Number 28681957023
  April: Payment confirmed via email on 5/6/2023. Confirmation number 3008741728
  Processed on 05/07 05/06 Point of Sale (POS) EXETE AUTOREC 2 2101 W *************************** F800-321-9637 TXUS *******
  May: Payment confirmation via email on 5/18/2023. Confirmation number 235427.

  Clearly, there is no 3 month delinquency and there never was a 3 month delinquency.  It clearly does not exist.  Whoever is reviewing my payment history and whoever is responsible for processing payment are inept. You still have owe me $140 for fees and you still have not corrected my account.  According to your website, you are waiting to receive my July payment and I owe $1,525.  July 2023 was paid via Money Order. Number *********** on 7/24/23.  August 2023 was paid via confirmation Number ******* to acct ***** via ACI Payments on 8/28/23.

  Why aren't these reflected in my history?  You keep referring to when I requested the cancellation of my auto payments.  This is why I did. Even after my request, Exeter still pulled payments.  I do NOT accept this reply.

   

  Customer Answer

  Date: 09/27/2023

  I am rejecting this response because:   

  I do not accept this response because no month was delinquent.  Again, if you visit the payment history I attached to this complaint, I have identified payment information for EACH month.  Here it is again:
  
  February: Payment confirmed by bank withdrawal. 02/24 Electronic Check - ACH Debit ACH DEBIT- EXETERAUTO2022-
  ************* -489.53
  DESC:LOAN PMNT
  March: Payment submitted via Money Order. Number 28681957023
  April: Payment confirmed via email on 5/6/2023. Confirmation number 3008741728
  Processed on 05/07 05/06 Point of Sale (POS) EXETE AUTOREC 2 2101 W *************************** F800-321-9637 TXUS -489.53
  May: Payment confirmation via email on 5/18/2023. Confirmation number 235427.
  
  Clearly, there is no 3 month delinquency and there never was a 3 month delinquency.  It clearly does not exist.  Whoever is reviewing my payment history and whoever is responsible for processing payment are inept. You still have owe me $140 for fees and you still have not corrected my account.  According to your website, you are waiting to receive my July payment and I owe $1,525.  July 2023 was paid via Money Order. Number *********** on 7/24/23.  August 2023 was paid via confirmation Number ******* to acct ***** via ACI Payments on 8/28/23.
  
  Why aren't these reflected in my history?  You keep referring to when I requested the cancellation of my auto payments.  This is why I did. Even after my request, Exeter still pulled payments.  I do NOT accept this reply.

• Initial Complaint

  Date:07/13/2023

  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 from Exeter Finance. I do not have a contract with Exeter Finance. They did not provide the original contract as I requested.

  Business Response

  Date: 07/27/2023

  Better Business Bureau of Metropolitan ***********.
  *************************
  Ste. 3838
  ******,***** 75201
  
  RE:******************************* - Case # ********
  
  To Whom It May ****************** July 13, 2023, Exeter Finance LLC (Exeter) received notice regarding a complaint filed through the Better Business Bureau (BBB). Exeter would like to thank ******************************* (********) for the opportunity to address their concerns.Exeters 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.
  
  On June 22, 2017, ******** signed a Retail Installment Sale Contract Simple Finance Charge (Contract) for the purchase of a 2015 Chrysler 200 (VIN# *****************)(Vehicle) with ********************************************* Co. (Dealer), which assigned the Contract to Exeter. The Contract payment schedule provided for 72 monthly payments of $430.54 beginning August 06, 2017.

  Exeter Finance is an indirect automobile lender that purchases retail installment contracts from automobile dealers. Regarding ******** request for the original contract, Exeter is unable to provide the original Contract. Any concerns regarding obtaining the original contract should be directed to the Dealer.
  
  Under separate cover, a copy of the executed Contract and a Statement of Account showing all activity through July 19, 2023, will be sent for ******** review.  
  
  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 ************.
  
  Sincerely,
  
  
  
  Office of the President
  Exeter Finance LLC

  Customer Answer

  Date: 07/28/2023

  I am rejecting this response because:   As stated in Exeter Finance response that ********************************************* ** has the original contract, *********************** fail to provide the original contract also, stating that Exeter Finance will be able to provide the original contract. 

• Initial Complaint

  Date:07/11/2023

  Type:Service or Repair Issues
  Status:

  ResolvedMore 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 car was paid off and my payment was never late they are attempting to ruin my credit

  Business Response

  Date: 07/25/2023

  Better Business Bureau of Metropolitan ***********.
  *************************
  Ste. 3838
  ******, ***** 75201
  
  RE: ***************************- Case # ********
  
  To Whom It May ****************** July 11, 2023, 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. Exeters 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 June 29, 2022, you signed for the Account established by the Retail Installment Sale Contract Simple Finance Charge (with Arbitration Provision) (Contract) you executed with ************ Corp. to finance the purchase of a 2016 *** 3-Series, (VIN# *****************) (Vehicle) which was assigned to Exeter.
  Regarding your credit reporting, Exeter is bound by the Fair Credit Reporting Act which requires all accounts to be reported accurately and factually to the ************************* (CRAs).Exeters records were reviewed, and it was determined that an update to your credit report was necessary. On July 18, 2023, an update was furnished to the CRAs to remove the late marks previously reported. Please allow 30 to 45 days for the CRAs to update the information on your credit file.
  
  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 ************.
  
  Sincerely,
  
  
  Office of the President
  Exeter Finance LLC

  Customer Answer

  Date: 07/25/2023

  I have reviewed the business response and accept this resolution.