Vehicle loan or lease -- Struggling to pay your loan -- Complaint #5001368
Complaint Overview
Complaint ID: 5001368
Company: Exeter Finance, LLC.
Product: Vehicle loan or lease
Sub-Product: Lease
Issue: Struggling to pay your loan
Sub-Issue: Denied request to lower payments
State: Georgia
ZIP Code: 30060
Date Received: 2021-12-12T12:00:00-05:00
Date Sent to Company: 2021-12-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I purchased a vehicle from XXXX on XX/XX/XXXX. I was able to get financed through Exeter Finance ( XXXX XXXX XXXX, XXXX, TX XXXX | XXXX ). The total cost of the XXXX XXXX XXXX XXXX was {$12000.00}. On XX/XX/XXXX the vehicle was stolen from me by a homeless man. He was later found in possession of the stolen vehicle after he crashed it while trying to abscond from a XXXX XXXX, GA police officer. My insurance company ( XXXX XXXX XXXX XXXX Georgia ) offered me an unfair settlement amount and I am currently in an active dispute with them over the {$5400.00} they tried to give me for my three month old car. While all this has been going on, I have still been responsible for the monthly payments to Exeter Finance. I have been unable to make them. I had to purchase another car to replace the one that was stolen and can not afford both payments. My bills are behind and I have pleaded for help several times with no response to any of my letters. I have also called them and asked for them to work with me, they denied helping me refinance the vehicle, defer payment, and completely disregarded my phone calls and letters and just keep sending bills and reducing my credit score. Not only has this affect me, but it has also affected my mother who co-signed the vehicle for me. Her credit score has reduced significantly. We are both victims of another person 's crime, but have been treated as if we are the criminal instead. I am in over my head with all of this. I need some help. No one will give me a break. Please if you can help me somehow I would greatly appreciate it.
Frequently Asked Questions
What is Complaint #5001368 about?
Complaint #5001368 was filed against Exeter Finance, LLC. regarding Vehicle loan or lease specifically about Struggling to pay your loan. It was received by the CFPB on 2021-12-12T12:00:00-05:00.
How did Exeter Finance, LLC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Vehicle loan or lease) and describe your issue in detail.
Can I see other complaints against Exeter Finance, LLC.?
Yes, visit the Exeter Finance, LLC. company profile at readthecomplaint.com/company/exeter-finance-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.