Consumer complaint received 2023-03-14
Company: Exeter Finance Corp.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I am having an issue with my vehicle that I purchased in XXXX from XXXX XXXX XXXX, it is a XXXX XXXX XXXX XXXX. It has been at the dealership since XX/XX/XXXX. The check engine light has come on a total of 5 different times, starting immediately after I purchased the vehicle. I found out today that each time they entered it in their history they altered the reasoning for fraudulent frivolous reasons. For example, a loose gas cap which if this had been the case the light would have gone out on its own which DID NOT HAPPEN. 
Another time when the check engine light was on it was in their system as the being corrected by replacing the gas cap. 
The next time ( XX/XX/XXXX ) I was there I came because after my inspection I was told that I had a small oil leak that I needed to get fixed before it became a bigger issue. XXXX XXXX kept my vehicle for two days returned it, charged me & XXXX and told me there was no leak. Today ( XXXX XXXX ) they tell me that they found the very same leak after I now tell them that I smell something burning under my hood! They allowed me to drive around with oil leaking from my vehicle for over a year! And charged me twice for the same thing! Back to the check engine light now it comes back on again in XXXX and on the XXXX of XXXX they tell me that it was temperature gauge that they had to replace. There was a clicking under my dashboard which was supposed to be repaired on the same trip in XXXX. It remains unclear why it was NOT repaired but it was not done. 
Also that day while I was at the dealership on XXXX XXXX they tell me that they found the very same leak after I now tell them that I smelling something burning under my hood for over a year! They allowed me to drive around with oil leaking from my vehicle for over a year! And charged me twice for the same thing! Back to the check engine light now it comes back on again in XXXX and on the XXXX of XXXX they tell me that it was temperature gauge that they had to replace. Its still not repaired! 
I was even told to allow the finance company to repossess the vehicle and just buy another since it was not possible to get approval for another car using this vehicle as a trade in due to the negative equity. Which indicates that they recognize that this vehicle has major issues and they know that they need to get it back. They are just not willing to do so the correct way, because that means scraping the title or losing the cost. 
It is completely unfair that not only am I financing a vehicle that I am driving with constant mechanical problems and paying different deductibles each time I visit the service department, but then when I leave my vehicle is still not repaired. 

This entire time I am in contact with the finance company Exeter Finance informing them of everything that is going on. They did put two payments on the back end of my contract. But they are also charging me late fees equivalent to the same amount of my car payment!

My car payment is {$740.00} ( 2 ) missed payments = {$1400.00}, they are saying that I now owe them over {$3000.00}!!! Because of late fees but no one will explain how these fees are calculated, no one understands that this vehicle is in disrepair ( although they have the complete documentation ). 

All they have told me to do is report the situation to my insurance company, because they are my finance company and theres nothing they can do. 

Therefore I am requesting that you step in and help me with this matter.

Company response to consumer: Closed with explanation