Consumer complaint received 2021-09-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC. (IN)

I have had an auto loan with Exeter Finance LLC since XX/XX/XXXX. I am current with my auto load with six more payments owed. I noticed around XXXX XXXX I was at the gym and someone was following me around. I thought nothing of it until I decided to get a massage. AFter the the massage, I found that person waiting for me and follow me out the gym. I quickly went to my vehicle and noticed that person was already in their car and appeared to be waiting for me to pull off. Based on their reaction, I took a picture of their license plate. As soon as I was home, I reached out to my auto finance company. THey advised me they only do collection activities if the account is so many days past due. My acount was not. I thought the problem had been remedied. In XXXX, I knew I was going to have XXXX  XXXX and would be off work. I called my finance company in the hopes of getting my payment pushed to the end of my loan. I was advised because the payment was not due until mid XXXX ( XX/XX/XXXX ), I can't make sure an arrangement until the payment is almost 10 days past due. I thought that was strange, but I had to focus on my health at that point. After my XXXX and subsequent hospital stay, once home I was put on strict orders not to leave my residence until after I was cleared by the doctor. Almsot week home from my XXXX, I started to notice people driving around my vehicle in the middle of the day, with their engines idling. It was evident they didn't reside in my apartment community. After almost 2 hours ( based on what I gauged from my kithen window ), they would sit out there for almost an hour before driving off. Almost an hour later, another vehicle would do the same. This went on for a few days until about XX/XX/XXXX when I noticed threee vehicles, engiles idling in the middle of the day, in various partking spots that allowed them to surround my car. I didn't recognize them as any cars of residents in the community. At the same time, I recieved a call from Exter Finance. They advised I was late with my payment and I needed to make payment. I told them of my XXXX status and the need to move my payment to the end. As soon as this was done, the cars around my vehicle drove off. ( I find this curious ). And the gym, ... .I work from home for the most part due to the new normal. After being released to go back to work and all activities on XX/XX/XXXX, I decided to go to the gym. At the gym, I have a focus of my routine. EVery station, every routine I do, I have some watching me or sitting on the equipment observing me as I am doing my workout. I do my best to block them out with my wireless earbuds and my workout online class, but sometimes they almost try and collide and bump me to make me react as they pass by. I feel like I'm in high school dealing with the bully who wants attention and a reason to ahve a confrontation with me. Today, I was out with my friends. As I approached them to meet them for lunch, some strange scuffy man was sitting at the table close to them like he was part of the group but he wasnt. He smirked at me at kept staring intently at me like I should acknowledge him. THe more I focused on my friends, the more he focused on me. After he left, one of my friends even acknowledged he was quick to get behind them in line and sit so close to our table. HE definitely was not of our element. At this point, I have done a police report. I have taken pictures of the vehicles and ppl when I can. Based on another converastion I had with my auto company, I had a late payment from XXXX for {$42.00} that was owed,. I payed them. I was advised they could not apply it to my account as I still need to make my XXXX payment which is not due until XX/XX/XXXX. I acknowledge I made a payment arranagement with them for XX/XX/XXXX ; XXXX, I feel I am in impossible scenario. I have made a polic report. I have even contacted an attorney. The lawyer advised they onlhy deal with phone harrassment. I am unble to find anyone to help me with this type of harrassment. I understand the auto company has the right to collection practices ; however, I was advised thsi is not due until the care was about to be repossessed. My vehicle payments may be a few days late but they have been on time. IN addition. how can I be allowed to have a late payment from XXXX to carry over this long? Finally, I am at my wits ends about the collection practies. It's like Breach of Peace if being pushed to the limit with the goal to make me the agitator. This is not fair. Whoever the auto finance company has outsourced their work to, they have no scruples about when a collection activity should be carried out or the rights of the consumer. 

I would appreciate someone looking into this matter and the possible outsourced or in house debt collecdtion practies of this industry. 
I know I only have 6 months left on my loan, but this harrassment is not acceptable and I feel I am not the only one with this issue. 


I look forwaard to your response. 

Thanks you.