Consumer complaint received 2022-09-23
Company: Exeter Finance Corp.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
XXXX XXXX put me through pre- approval for over a year. The first time I applied I had pre- approval with excellent odds they pretty much told me it was guaranteed. They approved me {$15000.00} and {$1000.00} down BUT one big problem they didn't have any available cars for that price and to keep checking back and they kept showing me offers of brand new XXXX for {$50000.00} ( first time I applied was XXXX ) Your pre- approved Figure is locked in for 3 to 4 months and then you have to apply again. The second time I applied my credit score dropped XXXX points because of the last time but it said again excellent pre-approval now I was praying they had a car this time. NOPE, that didn't happen I only got approved for {$6000.00} and they wanted {$4000.00} down! At that time I didn't understand what was happening until now. So, I try again because I got approved for {$1000.00} down on {$15000.00} they got to give it to me again I haven't changed a thing. The third time I apply again credit score went down again I couldn't figure out why it was going down I was getting bad credit pre- approvals now that I look back. I'm pre- approved excellent. I got denied and told to apply again in 3 or 4 months. Finally I get a loan from Exeter I live in a rural area I drive 2 1/2 hours to get it, it's not ready and I broke down on the way home lights started blinking like crazy and then it died. I was in the middle of the highway it was late at night. That was on XX/XX/XXXX XXXX contacted them the next day and told them what happen and they were not sure why it happened and keep on eye on it and see if it happens again and I may have to drive it back 2 and 1/2 hours to get it fixed or towed. I don't receive my bill in the mail I know I have payment sometime in XXXX I have missed placed the folder plus because my son-in-law is XXXX XXXX XXXX XXXX XXXX XXXX and they have a XXXX year old. I need a working vehicle. I find the folder my payment due XX/XX/XXXX and I call them I tell them I didn't get my bill cause it's past the XXXX they said no problem lets make sure address is right and she will get it out to me and to contact her back if I don't receive in the next two week. I notice in the huge stack of papers when I found them and for a XXXX XXXX XXXX I'm paying {$41.00}, XXXX @ 25 % interest because in the pages I was signing away 50 pages on all those pages it said {$20000.00} retail buyer until close to the end and it says retail installment for a XXXX {$41000.00}. I couldn't do anything at that point because I need take my son- law to doctor. I did not realize I'm paying over double for a XXXX XXXX XXXX car it still ends up being a bad deal. I could have taken {$2000.00} and just bought one for that but NO XXXX XXXX made it seem like I was guarernteed pre-approved having the best odds with them and instead it turned into a nightmare. I finally get the bill from them it took the whole two weeks. I owe XXXX and I'm coming up on XXXX. I'm talking to dealership on how to get it looked at because the transmission wouldn't shift now 2 more times. I also have no tags because they have them and temp title. So they will check for dealership close to me and maybe get it towed there. I had the truck 60 days no repo notice no one said anything to me about they were taking it and my son in law wakes me up at XXXX XXXX  screaming someone stealing the truck. I go running outside half dressed fighting with guy who came up into yard to hook up. He is screaming at me telling me I should of paid my bill I call the police because it's XXXX XXXX  normal people don't sneak around someones house at XXXX XXXX. I tell officer I have the paperwork in the house I have no plates yet it broke I just put Down {$2000.00} and had it for 60 days. He told me no he don't need see it that a repoman can just take it. I said you show me some paperwork because my loan company never said anything or mailed me something saying they was going to repo. They were working with me. No the officer let him take it not showing any ID or paperwork didn't even tell me where he was from or where he was taking. I'm sorry I'm devastated at this point and then my son in law looses his battle and XXXX XXXX XXXXXXXX. I get my statement in XXXX for my payment not saying a word about them repossessing the car. I have no idea where it's at they have no idea it was repoed I just got it. I could not deal with this at that point. They don't even know they repo it. Nothing but a nightmare planning funeral with no vehicle and no one knows anything about but some guy at XXXX XXXX sneaking around who doesn't give business card just drives away it. On XX/XX/XXXX I get letter from Exeter we repo your car..yea two months ago..glad they found it. They want to reinstate the agreement WHAT. They had just called me two days ago and didn't even know it was repoed. Now the want me to take bake a broken down truck that's XXXX XXXX XXXX and paying {$42000.00} and they just realized I got repoed 2 months and again I get letters weeks after the dates on the papers. My husband passed away XX/XX/XXXX so now my daughter looses her husband and her father and our family is really devasted and have no vehicle and this company XXXX!! Send me my bills like I still have the car and then sends me notice 2 months after repoed they may repo it. On XX/XX/XXXX, I get call the dealership says your plates are ready title. WHAT?? I said does anybody know they repoed it. I have to tell someone from the company at least once a week " you took it 3 months ago '' and I got a letter this week it was sold back in XXXX and I owe {$15000.00}. Didn't even tell me date of sale nothing cause nobody at Exeter even knew it was repoed and was sold. I'm sorry this is so long I'm mourning this has been a nightmare. Own a truck cost me {$2000.00} maybe drove it 15 times and now it cost me {$15000.00} XXXX XXXX has caused me a nightmares my identity was stolen in XXXX they haven't helped me at all. I'm sorry when I saw this it made sense and this is the first I even talked about this XXXX  truck. I think I'm just gon na stay off that site because I looked the other day when I got the papers saying they sold the truck but they just called to have me reinstated now they call me 3 times day I don't even answer I'm tired of telling every person who works at that company you already took it and sold it and it already on. XXXX XXXX See if I get pre-approved best deals. I'm sorry again anyone who reads this whole thing bless you. 

I also had my identity stolen back at the end of XXXX XXXX by that cyber space they stole {$10000.00} that the bank didn't even try to help me get back instead closed my XXXX XXXX XXXX account. Told me there really anything we can do. I went over to file a police report another woman was there same exact thing happened but not as bad as mine again the police XXXX said it is cyber we can't get them. They opened 3 cards in my name and used all my cards and took out close to {$10000.00} and have been disputing and asking for almost 2 years for help. I gave XXXX XXXX the people I talk to and what happened and because those credit card companies keep selling them I have to keep going through this and XXXX XXXX keeps denying me to remove them and now my companies gone out business because I have no credit and now back to XXXX I feel stolen from again. It took me a year to get that truck with their false hope and pre approval to drive it 15 days costing {$2000.00} cash and now {$15000.00} which broke down 3 times and wouldn't move the transmission in 60 days. My business was destroyed after they stole everything from me and XXXX. Then I finally get car almost year. Takes the only money I had {$2000.00} got 60 days and it broke down XXXX times. They don't even tell me their was a chance of a repo they were helping me and just said I have to catch up and pay the late fees and it would be fine. Nobody knew we're it was when it got repo and then it gets sold and they offer me a resolution thinking I still have the truck. 
How can a man sneak around someone house at XXXX am no identity no business card no name and just takes someone's car. That is stealing I told the officer I do that I'm going jail. Then I loose my husband of 16 years who was XXXX ( XXXX ) and my son in law XXXX ( XXXX ) in one month they sold it but didn't know. All this has broken me at this point. I've lost everything I couldn't even afford a funeral and then ssi tells me I have to wait 13 years to collect his ssi. All of this is a nightmare and it started in XXXX. I am Sorry it is just pouring out me I'm grieving I'm done. Have a blessed day.

Company response to consumer: Closed with explanation