Consumer complaint received 2024-10-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Exeter Finance, LLC. (OK)

XXXX of XXXX I went to XXXX XXXX to purchase a vehicle and I traded in my truck. The car went south 4 days later and XXXX XXXX told me to bring it back they will give me a loaner and check it out. Come to find out the car had been wrecked and XXXX XXXX refused to fix it and lied about what was wrong etc ... .well this transpired over an 8 month period that I was in their loaner. The finance company ( Exeter Finance ) refused to finalize my loan because I did not have the car. Fast forward to XXXX of XXXX and the dealer called me and said they fixed the car come in so I did but the car was not there they told me i had to sign a new contract this was XX/XX/XXXX and tell the finance company that I had the car because that was the only way to keep the loaner and get the car fixed because they had already sold my truck ( they told me this 4 days after the initial contract in XXXX ) A couple days later I felt bad and called the finance company and told them I really never had the car that the dealer made me lie to they would get the money from the finance company and use that to fix the car. They told me to send in a statement saying that exact thing and they would open a fraud investigation but they never did I sent the email to XXXX in XXXX I believe of XXXX, Never heard anything back. Everytime they called me and wanted me to pay I told them I never had the car and I asked for a copy of the contract and never received it. We did this for about a year. Fast forward to XXXX of XXXX this one lady in particular called me wanting payment I explained the situation to her she read through the notes and then said oh yes I see there is an invoice from Sooner XXXX here charging us for Storage of the car saying they had the car since like XX/XX/XXXX and wanting Exeter XXXX to pay storage from that time. I also will say that Exeter Repoed the car from the dealership. XX/XX/XXXX is way before when I supposed to sign this XXXX contract with them that I never saw. So i said there you have proof now that i didnt have the car and the refuse to rescind the contract they have messed up my credit by over XXXX points for almost two years now. I do have a lawyer concerning the car lot but I just want this off my credit report becuase I have never received the vehicle. I do have exact dates and names but my lawyer has that information he has everything that I have but this company still refuses to take this off my credit I have disputed it with these exact facts with every credit company and everyone refuses to take action. As I said it has wrecked my credit and my entire life now for two years! Please I need help with this situation this is unfair and illegal. I still have no vehicle because I have had a repo on my credit now for a car I never had. I told them where the car was to pick it up. They finally did after calling me several times wanting to repo it i told them the same information every time. I also asked to speak with supervisors up there and have been denied that as well. I do have a log of everytime I spoke with them and like I said my lawyer has that info.