Consumer complaint received 2022-09-27
Company: Exeter Finance Corp.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have been sending letters to Exeter about some contract questions I had, and requested that they respond and send documents answering those questions. They sent an invoice of all of the payments that I have made thus far, along with statements. However they did not provide any documents that I specifically requested, nor did they follow up with me like I asked. Today, XXXX XXXX, 2022, my vehicle was repossessed. I called Exeter and spoke with a representative to discuss this matter, and get the location of the vehicle. The first representative could not help me, so I was transferred to another. The second representative tells me that my letters were never received by Exeter even though an invoice was sent to me after my letter was sent. This invoice is dated XXXX/XXXX/2022, and my first letter was sent on XXXX XXXX, 2022. 

In the contract, there is a section that clearly states that I give security interest in the vehicle and that the security interest I give secures all amounts owed by me under the contract. I was explaining that to the representative and she put me on hold to reach out to her manager. She came back and told me that the security interest section means that Exeter can take " whatever means necessary to impound the car. '' I then proceeded to tell her that I understood but it still says my security interest secured all amounts owed by me so that didn't make any sense. She tells me that that's what her manager is telling her.

She advises me to get a lawyer and have them reach out to Exeter. I then asked her for a manager, supervisor, or attorney 's number and/or email, but instead she provided Exeter 's customer service email ( XXXX ). She tells me that I or a lawyer/attorney can send over my documents to that email and someone will look into it. I also mentioned that the contract can't be enforceable because I purchased a vehicle from XXXX but a representative of XXXX signed the Contract. That's like XXXX and XXXX going into business with each other, and XXXX signing the Contract on XXXX 's behalf. 

Before the call ended, I asked her is anyone going to respond to the email because from my experience, I never get an answer. She tells me that someone may or may not respond, and it just depends on the situation. That is totally unacceptable. She also suggested that I can use the Live Chat. So I tried the Live Chat and got a message saying that it was unavailable for me. So I went ahead and sent all of my documents to the email she provided and I get a message stating that my message has been blocked. How can I send over documents if my messages are being blocked? Why are my messages being blocked in the first place? 

So Exeter has violated my rights and refuse to help in any way, shape, or form. They have unlawfully repossessed my vehicle without any explanation as to how this is even a loan when I filled out a credit application and not a loan application. Pursuant to the FDCPA ( 15 USC 1692e ( 4 ) ), the representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person.That is considered false and deceptive. What is the point of a contract if Exeter is not holding up their side of the bargain?

I can not exercise my rights because Exeter refuses to provide any documentation and they " may or may not '' respond to emails or inquires.

Company response to consumer: Closed with explanation