Consumer complaint received 2025-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
CFPB Complaint Submission Exeter Finance LLC Consumer Information Name : XXXX XXXX XXXX : California Loan Type : Auto Loan Loan Origin : XX/XX/XXXX Loan Status : Repossessed/ Disputing -- - Summary of Complaint : This complaint documents extensive violations by Exeter Finance LLC regarding my auto loan, repossession, and account management. Exeter Finance has engaged in deceptive, unlawful, and procedurally improper conduct, including : Failure to provide legally required notices before repossession.

Reporting my account as charged off before confirmed reinstatement deadlines.

Inability or refusal to produce complete payment histories, call logs, and records for the life of my loan. 

Improper handling and disappearance of payments made via XXXX ( cash option ), discontinued XX/XX/XXXX. 

Contradictory and misleading information regarding payment and repossession procedures. 

-- - Detailed Timeline & Notations : XX/XX/XXXX XXXXXX/XX/XXXX 
Vehicle repossessed without prior Notice of Intent to Repossess or Sell. 
Violation : California Civil Code 2983.2 & UCC 9-611. 

XX/XX/XXXX XXXXXX/XX/XXXX. ( Call Duration : 13m 47s ) Agent : Unidentified Advised I had until XX/XX/XXXX to reinstate my account and retrieve belongings for the amount of {$3400.00} and that all accrued fees will be placed at the end of the loan. And that my regular payments of {$570.00} would be reinstated as per original payment agreement. 

XX/XX/XXXX XXXXXX/XX/XXXX ( Call Duration : XXXX XXXX ) Confirmed Notice to Sell was mailed XX/XX/XXXX. Document never received. 

Agent : XXXX ( Charge-off Account Manager ) Direct statements : > We have no outbound or inbound call logs for your account from the start of the loan. 
We have no documentation of your payments from the start of the loan. 
Your reinstatement deadline is XX/XX/XXXX in the amount of {$3400.00} not including any additional fees to be added to the account for the repossession and storage. 

XX/XX/XXXX Attempted to process payment in the full amount stated to meet XX/XX/XXXX deadline ; blocked due to weekend closure. No instructions has been verbally stated, norwritten in documentation via response to my previous emails nor updated to the documents that I suddenly now have access to as of XX/XX/XXXX in my portal. Also to know that up until XX/XX/XXXX I was mostly locked out of my portal and could not access the majority of features inside the portal since seemingly XXXX of XXXX basically the start of my loan. 
And was forced since the start of my loan to only be able to make cash payments of which Exeter Finance has no proper or accurate nor up to date documentation of. And furthermore why is it that all payments made from XXXX to XXXX during the period of deferment only are paid to interest and not the principal? 

XX/XX/XXXX XXXX XXXX reported as charged off to credit bureaus despite confirmed deadlines. 
Violation : California XXXX & P Code 17200 & FCRA 15 U.S.C. 1681s-2. 
An update was made to the credit bureaus at XXXXXX/XX/XXXXshowing the account fully closed and the full balance of {$25000.00} owed including 2 repossessions.

Calling to question how is my account closed and charged off for the full amount of the loan if I have been making consistent payments since deferment Period of XX/XX/XXXX. Of the seven payments to date that I have made. Two of which are unaccounted for in the month of XXXX completely removed from Exeter finances documentation. That's what a resulted in my account being up to date in current as of XX/XX/XXXX. 
-- - Payment Discrepancies : Multiple payments made via XXXX between June 2024Apr 2025 missing from Exeter records. 

Exeter admitted no access to historic XXXX portal records. 

Payments made during alleged deferral periods still had late fees applied and were not credited to the loan balance. And dates of logged payments have since been deleted from Exeter finance reporting and documentation. 
Violation : California Civil Code 2983.3.

-- - Legal Violations Referenced : California Civil Code 2983.2 Requires 15-day notice of sale and right to reinstate before repossession sale.

California Civil Code 2983.3 Requires proper accounting and crediting of payments made.

California Business & Professions Code 17200 Prohibits unfair, unlawful, and deceptive business practices.

UCC 9-611 Requires reasonable authenticated notice before collateral disposition.

FCRA 15 U.S.C. 1681s-2 Prohibits furnishing inaccurate or misleading information to consumer reporting agencies.

ADA ( 42 U.S.C. 12101 ) Failure to accommodate communication/documentation needs as an autistic consumer.

-- - Relief Requested : 1. Certified proof of whether my vehicle has been sold or remains available for reinstatement.

2. Complete certified account history from loan inception, including : All statements All payment records ( including XXXX ) All call logs All deferral agreements 3. Written confirmation of XX/XX/XXXX and XX/XX/XXXX reinstatement deadlines. 


4. Immediate removal of all negative credit reporting tied to this repossession.

5. Damages in the amount of $ XXXX for : Loss of property Loss of income Emotional distress -- - Additional Context Active Legal Exposure of Exeter Finance LLC XXXX XXXX XXXX Exeter Finance , LLC Ohio Class Action , Filed XX/XX/XXXX Inflated reinstatement costs, hidden finance charges, failure to provide lawful repossession notices. 

XXXX v. Exeter Finance, LLC District of Arizona, Filed XX/XX/XXXX Negative credit reporting after settlement/1099-C issuance. 

XXXX XXXX Exeter Finance, LLC Florida Appeal, Active XX/XX/XXXX Litigation over account handling. 

-- - Requested Resolution Timeline : Formal written resolution within 10 calendar days of CFPBs receipt of this complaint.

> To comply with all demands within the next 10 business days, including : Provide complete call logs and account statements for the entire loan term Provide full payment history, including all PaySafe cash payments Provide all deferment records and updated account status Provide all legally required Notices of Intent to Repossess or Sell Provide proof of repossession authorization and proof of sale or reinstatement Provide a complete inventory and return of my personal property

Company response to consumer: Closed with explanation