Consumer complaint received 2020-08-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: Exeter Finance, LLC. (OK)

Currently have a Loan with Exeter Finance in Texas since XXXX. We experience a short fall last year with my boyfriend and medical reasons/job. This year in XXXX, I paid on XX/XX/XXXX -- - {$2200.00}. On XX/XX/XXXX I finished paying with {$2200.00}. Was told the next payment was due in XXXX. Keep in mind, I was told I was caught up. Granted for the record, I have to this day not received a notice from Exeter, for eg. my scheduled payment due since XXXX. What my balance was, or payments posted. NOTHING. I have also reported this to them several times, and the last was 2 weeks, ago, and NOTHING. 

XXXX payed XXXX reg payment. In XXXX  I called to make a payment, was told due to the covid they are helping customers out, and would I like to skip XXXX and make a payment in XXXX. I said sure. They told me they would put me on a recorded line, I agreed to the skipping a payment. Was told next was due in XXXX. Said ok.  Then shortly after received something in the mail telling me my payment was due in XXXX. Tried to call several times, never got thru. Said the XXXX with it, I had a witness to my conversation, and thought maybe a typo. So I call in XXXX to make my reg payment. Spoke with XXXX. Was told I only owed XXXX as I was over charged back in XXXX of this year. I asked 3 different times, and put on hold, they assured me ok. So I made the payment. I decided I wanted to trade it in, thought I was caught up. XX/XX/XXXX at XXXX XXXX in XXXX OK. Tried to trade it in, was told by XXXX after hours of waiting, and ridiculous phone calls to Exeter that he had made, that we couldn't trade it in. He told us the bank said they were not reporting the payments. He asked us where all our money was for this truck. We told them this co. was bogus and that is why we are trying to get out of this finance co. I then was on the phone with " XXXX '' at Exeter, after several phone calls, and being put on hold, and transferred. By this time, I was ready to just give up. Can not deal with these people anymore. 

So, XXXX went over everything with me, also, told her we had not received any statements from them since like XXXX or XXXX, and then one just recently saying I owed over XXXX in payments? 

She said there was something that I still owed back in XXXX, and it got carried over. Granted I was never notified until XXXX when I CALLED THEM!!!! Still don't understand what the XXXX she was talking about, as they told me I was caught up. Meanwhile, the phone call in XXXX when they said I only owed XXXX. Well, that was a lie, and they were wrong. So I have been charged interest since then, nor was I ever notified, as I am NOT GETTING STATEMENTS from this co. NOR any emails!!!!!!! So it was reported to my credit. And according to Dealership whom I KNOW, was told that EXETER was not reporting any payments, and so it looks like I have not payed on anything. Needless to say, we lost contact when I was on the phone with Exeter,  XXXX and I. She didn't return my phone call. I have tried to call 3 different times today, XXXX to the co. Spoke with different people, put on hold, and transferred. One pretended she couldn't hear me. I requested a pay off, still wont give me one. Couldn't transfer me to " XXXX. '' They are showing to different numbers that I owe as of today {$1400.00} and XXXX. DO NOT UNDERSTAND THAT I have looked these people up, and this is just not happening to me but others too. I feel they are not reporting my payments on my vehicle, Also, reported me to credit co, when it was not my fault. Charged me for interest that is not my fault back in XXXX. I Need some help. Something is not right with this co. XXXX said she would send me a statement and copy of the finance agreement. It's been over 2 weeks and nothing. I have received calls from them when I am at work, and can not get to them as I am a XXXX seeing XXXX. My voice mail just gives me someone typing, no message. Something is seriously wrong, and I needs some help. AND, with all the screw up, she credited me {$150.00}. I asked her what was going to happen to the one who lied to me, she couldn't disclose that. 

Also, I was told as well, that if they didn't get to save my payment info, that I may not be able to make a payment next time. I did tell them, that they will not save my XXXX, and if they do, then I guess you wont get paid. I know my rights!!!!!! I told XXXX that too.