Consumer complaint received 2023-04-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance Corp. (NC)

Complaint:
OK so during the summer 2022 I was going through some hardships I was only making {$500.00} a month I was trying to tell them that they said I could do deferral or whatever if I got my CO signer to sign a paper well my cosigner claims that they never sent then anything. this was multiple times that I was trying to do this and they would not do it because they kept saying that the cosigner ( cs ) needed to sign the paper and the cs never received anything on their email or anything to sign So they come to reposse the Car about XXXX right befor XXXX OK so I couldn't find my car I thought it was just a tow truck and i just parked in the wrong spot nobody claimed to have my car called finance company they didn't claim to have my car I had to put a stolen Car report out month later the officer finally gets to gets them to admit to having my car so I call up there to see what I need to do to get my things out of the car. they tell me that They have to send paperwork to this company for this company to be able to give me the number of the tow company that has my vehicle so 2-3 weeks go by they put my cs name on the paperwork whichcourse prevented me from being able to go get my things and then I had to go through that whole process all over again for them to put my name on it so I was able to get the number just to be able to set up something to go get my things. so finally the paperwork gets straight now I called the company that give me the number to the tow Company I call the tow company and the tow company tells me that they've already sent it to auction. Now mind you they have yet to send me any paperwork in the mail or anything to tell me when where or how they were going to get sell it so I can have the opportunity to put in offers for my car. They have no communication with me whatsoever it is like trying to pull nails just to get the information so I could at least try to get my things out they kept pulling me around. So the toe company tells me I need to call my finance company I call my finance company to see what was going on they tell me that the company that I had to call in order to get the number to the tow company is the ones that handles all of that and I needed to get in contact with them so I had to call back that number They tell me that they don't understand why the toe company is telling me that because they have no records of it being taken off To auction. The finance company also told me that that company was the ones that cleaned out my car and should have my things if it was taken to auction. So none of this Makes no sense to me whatsoever so nobody knows where my car is so I'm calling and calling and trying to get somebody to give me information because all I want is my things out of it because it's got my son 's birth certificate and a couple of other things to me So then the police department calls me and tells me that they found my car in a different county and this has been months after I've called and called that they would not answer my phone calls they always sent me to voicemail no matter what time it was and when I'd leave a message they would not return my phone calls so this is months later after I've given up I get a piece of paper in the mail stating that I owed them {$10000.00} for the car the car was loaned to me it was only XXXX so then I just found out from my insurance company That they have went and put a claim down on the car to repair the damages after they repossessed it and my insurance company submitted a check to them for over {$3000.00}. In finance company is still saying that I was in {$7000.00} because of what they didn't make from the auction to pay the whole amount and a bunch of toe fees and stuff like of this makes sense to me nobody gave me any information I was trying to just get my things out and they wouldn't even do that for me they have subcharged me they had not given me a chance to be able to do anything with the car I had even got a check from a claim that was different than the one that I'm talking about they did and tried to put {$3000.00} on my car and they wouldn't take it I guess because it had already been in repossession I'm not quite sure why I don't think it's right that they were able to go through my insurance company and file a claim to get payment for it to repair it After repossession and still charge me the amount that they're charging me

Company response to consumer: Closed with explanation