Consumer complaint received 2020-04-24
Company: Exeter Finance Corp.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Copy Email sent to Exeter Finance Good Morning Exeter Finance Customer Service, I am sending an email with the information that I received in regards to my credit. I would like to understand how I these three months ( Please See Attached Photos ) payments were reported as late. I received a deferred payment which is supposed to add the payments on the end of my loan and the late payments not be reported, yet they were reported any way. I called on XX/XX/XXXX to address the issue and I received an alert of a new report that another late payment was added to my report. I also placed a call back to customer service on XX/XX/XXXX inquiring about the issue and she stated to me that the information was sent to the Bureaus was corrected for the month of XXXX and the letter was also sent to me as well. I am not sure if she understood my concern. ( XXXX XXXX XXXX of XXXX ) this is what was reported and should not have been. Prior to this call I only had two late payments XXXX and XXXX of XXXX after the call XXXX of XXXX was added. This is very damaging to my credit and does not honor the deferred payment agreement. Please advise on what other actions I need to take in regards to this mistake on Exeters behalf. 

Please Review attachments of the Following : Payments made XXXX See Below ) Date Document sent back to Exeter ( See Below ) Credit Report of Information sent to Bureau ( See Attachments ) Email sent from Ops Support ( See Below ) XX/XX/XXXX XX/XX/XXXX Payment Received MyAccount - Debit {$520.00} XX/XX/XXXX XX/XX/XXXX Fee Waived. ( {$12.00} ) XX/XX/XXXX XX/XX/XXXX Payment Received Agent Assisted - Debit {$510.00} XX/XX/XXXX XX/XX/XXXX Fee Assessed. {$12.00} XX/XX/XXXX XX/XX/XXXX Payment Received MyAccount - Debit {$510.00} XX/XX/XXXX XX/XX/XXXX Fee Assessed. {$12.00} XX/XX/XXXX XX/XX/XXXX Payment Received MyAccount - Debit {$510.00} XX/XX/XXXX XX/XX/XXXX Fee Assessed. {$12.00} XX/XX/XXXX XX/XX/XXXX Payment Received MyAccount - Debit {$260.00} XX/XX/XXXX XX/XX/XXXX Fee Assessed. {$25.00} XX/XX/XXXX XX/XX/XXXX Payment Received MyAccount - Debit {$510.00} This is also the email sent from Ops Support From : Ops Support Subject : Document Date:XXXX XXXX XXXX  Reply : Thank you for contacting Exeter Finance XXXX . To verify if your account is eligible for an extension please contact a Customer Service Representative. If you need further assistance, please call ( XXXX ) XXXX. Customer Service Representatives are available Monday  Thursday from XXXX XXXX. to XXXX XXXX., Friday from XXXX XXXX. to XXXX XXXX. and Saturday from XXXX XXXX. to XXXX XXXX. ( Central Time ). Sincerely, Exeter Finance XXXX. Your Partner in Car Ownership Thank you for contacting Exeter Finance XXXX. 

From : XXXX Subject : Document DateXXXX XXXX XXXX Message : I am supposed to receive a document to add the payments on to the end of my loan. She said I would receive it within 24 hours to sign and send back and I have not received it Showing 1 to 1 of 1 entries

Company response to consumer: Closed with explanation