Vehicle loan or lease -- Managing the loan or lease -- Complaint #6185640
Complaint Overview
Complaint ID: 6185640
Company: Exeter Finance, LLC.
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Managing the loan or lease
Sub-Issue: Billing problem
State: Georgia
ZIP Code: 301XX
Date Received: 2022-11-09T12:00:00-05:00
Date Sent to Company: 2022-11-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The attached documents are exact words/ definitions and details regarding Right of Rescission copied and pasted from the GOVERNMENTAL WEBSITE ITSELF CFPB and other. Exeter is trying to deny me of my right to rescind stating it does not provide for a right to rescission for indirect auto sales finance contract which indeed is FALSE. I have attached definition and the exempt transactions and that does not apply to me and my contract. They also feel as though the right of rescission only applies to mortgage refinance or home equity line of credit as stated in their response. Saying that documentation I am providing is false or inaccurate is also saying the CFPB is false and inaccurate. I would also like to mention how Exeter Finance have neglected to give a sufficient response to my Affidavits point for point by affidavit as they are required to do so. They have ignored my concern regarding billing error, did not send documentary evidence in accordance with 15 USC 44 which reads Documentary Evidence includes all documents, papers, correspondence, books of account, and financial and corporate record, without providing all of these the error cant be clarified or resolved. The account should be placed on hold from collection pursuant 12 CFR 1026.13d ( 1 ) which is my right as a consumer and they are prohibited from reporting adverse credit reports pursuant 12 CFR 1026.13d ( 2 ). Once again I am requesting all funds paid to Exeter be returned to me by form of a check, the title to my 2014 XXXX XXXX, and removal from my credit report. If Exeter Finance continues to violate and deny me of my consumer rights I will be moving forward to arbitration to get this matter resolved.
Frequently Asked Questions
What is Complaint #6185640 about?
Complaint #6185640 was filed against Exeter Finance, LLC. regarding Vehicle loan or lease specifically about Managing the loan or lease. It was received by the CFPB on 2022-11-09T12:00:00-05:00.
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.