Consumer complaint received 2023-08-24
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan
Company: Exeter Finance Corp.
State: GA

Complaint:
XX/XX/XXXX mailed letter to Exerter Finance. Spoke to XXXX Account manager. 
XX/XX/XXXX Spoke to Another Account manager XXXX. 
Spoke to Director of Accounts XXXX XX/XX/XXXX Director XXXX call XXXX expressing company denial of identity theft, or fraudulent assignment of contract. My signature, nor consent was given. This has deeply impacted my life. My private information and security and equity is being channeled through without recourse. This is unacceptable, your assistance is needed. 
LETTER to Company. 
XXXX call help associate XXXX Account Manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX Exeter Finance XXXX XXXX XXXX XXXX, TX Subject : Notice of Claim of Security Interest, Equity Due, Identity Theft, and Claim for Title and Account Fulfillment Attention Exeter Finance, This letter is to formally assert my claim of security interest due in course from contract XXXX. Equity within vehicle with the VIN # XXXX make XXXX XXXX and model XXXX XXXX XXXX XXXX. 
This claim is based on an application and security agreement dated XXXX XX/XX/XXXX which established my lien against the aforementioned vehicle. 
It has come to my attention that an unauthorized assignment of contract has taken place concerning the vehicle in question. This act constitutes an accessory to identity theft, as I did not provide consent for any transfer of rights or interests associated with my security agreement. 
I demand that this matter be rectified immediately, and the contract assignment be reversed. 
Furthermore, I am requesting an accurate calculation of the equity due on the vehicle, as well as the associated charges and fees that have accrued. Please provide me with a detailed breakdown of these figures within 7 days from the date of this letter. 
Additionally, I am asserting my claim for the title to the vehicle and requesting that all necessary steps be taken to transfer the title into my name in accordance with the terms of our security agreement. This transfer should be completed promptly to avoid any further legal complications. 
Finally, I expect full account fulfillment, including the return of any payments made on my part in excess of the equity due, once the calculations have been confirmed. 
I must emphasize the seriousness of the unauthorized contract assignment and identity theft implications. 
Failure to address these matters promptly will leave me with no choice but to pursue legal action to protect my rights and interests. 
Please respond to this letter in writing, by calling, by emailing within the stipulated timeframe mentioned above. You may contact me via email at XXXX or by phone at XXXX to provide updates on the resolution process. 
Thank you for your immediate attention to this matter. Spoke to account manager XXXX, and call help associate XXXX XXXX XX/XX/XXXX in coherence with letter shipped. XXXX XXXX XXXX XXXX XXXX Ga XXXX. Whom Exeter accepted assignment of contract from. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX director of account

Company response to consumer: Closed with explanation