Consumer complaint received 2022-03-30
Company: Exeter Finance Corp.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Fact, I became aware of my consumer protection rights approximately 2 weeks ago honestly, yet according to federal law 15 USC 1602g, I am the person who regularly extends, lawfully defined as the " creditor ''. Fact, on XX/XX/XXXX a misrepresentation of presentment was given to me in the name of a " Retail Installment Sale Contract '' from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX  XXXX. The XXXX  XXXX XXXX XXXX, as a fiduciary, he gained my trust to finance a XXXX XXXX XXXX. I was deceived by deceptive forms that were misrepresented to me which lead to a false belief that I was participating in a loan and establishing a collection of debt for a third party, EXETER FINANCE LLC. Alternatively to a consumer CREDIT transaction, I was mislead into a DEBT and a false belief that a person [ EXETER FINANCE LLC ], other than XXXX XXXX XXXX XXXX was participating in the attempt to collect a debt that I allegedly owe to such person other than the " creditor ''. 15 USC 1692j, 15 USC 1692k. 
Fact, on XX/XX/XXXX, I paid {$5000.00} USD down payment with my debit card to XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX  who told me that a down payment was required for financing which is not included in a lawful finance charge pursuant to violating the Federal Truth In Lending Act. Federal law 15 USC 1605. 
I also suffer damages when I was swindled out of my rights to reclaim my securities, so that deceitful and rogue agents at XXXX XXXX XXXX XXXX would appear to be absolved from their true CREDIT LIABILITY and TAX LIABILITIES for Selling the " Retail Installment Sale Contract '' to EXETER FINANCE LLC, as commercial paper as an implied contract which in FACT is a deceptive trade practices and prohibited transaction pursaunt to 26 USC 4975. 
Fact, on XX/XX/XXXX it was federal law for XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX to clearly and conspicuously disclose the proper forms for me to exercise my Right to Rescind in which I never received and there were never any disclosures of such before or later so no proof of consideration was given to me where it was due as enforced in 15 USC 1635 the Federal Truth In Lending Act. 
Fact I have suffered for years and the damages are beyond humane because they are commercial assaults that this auto dealership committed to in my case I have monetary injuries in the amount of $ XXXX for earnest payments to alleged creditor. Fact, on XX/XX/XXXX unfortunately I was in a collision with an uninsured motorist that totaled out the XXXX XXXX XXXX  and the insurance pay out was fraudulently collected as a debt allegedly owed to alleged creditor EXETER FINANCE LLC. which violates federal law ( s ) 15 USC 1692e, 15 USC 1692f, 15 USC 1692h, 15 USC 1692i, 15 USC 1692k, 15 USC 1601b 15 USC 1602f, 15 USC 1611, 15 USC 1640, 15 USC 1666, 18 USC 8 I have contacted the accused parties mentioned in this complaint by writing and certified mailings, however they have not complied this is my consideration to grant the opportunity to cure before I take further legal actions. I demand to be paid in full for settlement for damages in the amount of {$100000.00} USD order to pay ; XXXX XXXX

Company response to consumer: Closed with explanation