Consumer complaint received 2022-05-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (VA)

I had a sub prime auto loan with Exeter. Due to three financial hardship of COVID paying the loan monthly was not feasible while on unemployment. I applied and received 2 deferments. I asked for help before falling behind to no avail. In XX/XX/XXXX I was caught up but unemployment ended so I asked for a extension or deferment. I want told I received it until XXXX. The month of XXXX an XXXX after after to the end of the loan but Exeter reported that I didn't pay added late fees and posted deragorty comments at all three credit bureaus. In the meantime even when I paid I was still reported as 30 to 60 days late and all the money went to interest so the loan balance increased. Sometimes when I paid they reported I did not pay. I totalled my car in XX/XX/XXXX and that's when it got bad. They changed my payment history making it look like I hadn't paid since XXXX when I have receipts for payment in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. But credit reports were changed to be 150 days late. I had insurance and gap insurance. Exeter told XXXX  an inaccurate pay off amount claimed the late payments were separate, but the late payments were from months I had paid. I received several actually more than several late fee waivers during XXXX and when they reported I paid it was always for my payment amount with no late fee because the late fee was waived. After I totalled the car Exeter harassed and threatened me they reverted all the late payments they had waived during covid. When I called they were nothing but insulting demanding and nasty. They are a money grubbing and unscrupulous company. I disputed with the credit bureaus and things got worse. Exeter claimed it took 30 days for things to appear on my credit but after I disputed they reported a second identical account to XXXX so I now had 2 auto loans in default with negative deragorty comments. They didn't report all of the insurance payment and said it was a charge off left a balance for the remainder of the insurance payment and late fees and closed the account while still calling daily harassing me. Every time I did something at the credit bureau to fix my credit they can't back at me the next day 2 fold increasing the negative imprint they were leaving on my credit. They actually changed the credit reports removing payments and claimed major deliquency and high credit limit. They did anything and everything they could and still called. They never told me my account was closed it's actually still open online with a future payment date for the balance due. Do not ever use EXETER FINANCE. It will be nothing more than an excruciatingly painful relationship. The cares act even helped people with financial strain providing relief from credit bureau reporting if they received an extension deferment but Exeter still reported me. At this point in time XXXX had removed both instances of the loan deleted it from my dad l credit file and put a freeze on Exeter from updating my file. That took a month wish me luck with the other 2 bureaus I keep trying and trying but what they have done is so outrageous it's hard to believe so I keep searching for proof which I find. I simply need to get this nightmare corrected so I can get another car. I never thought this would happen I was confident everything works be fine. I was fully insured with gap insurance and the car is when it was worth more now than when I bought it by over {$500.00}. Exeter never even showed concern because I was hurt in the accident they just wanted money monthly from me for the rest of my life I suppose because it's been a battle to end this relationship with them. Like a psychi ex girlfriend they just went leave me alone. Please start away from them