Consumer complaint received 2025-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
On XX/XX/XXXX, at approximately XXXXXXXX XXXX, I discovered my vehicle was missing. I immediately contacted law enforcement to report the incident. Multiple departments confirmed that no legal repossession report had been filed at that time. Between XXXXXXXX XXXX XXXX XXXX XXXX., I made repeated attempts to confirm the vehicles status through police channels, all of which resulted in confirmation that no repossession or legal tow report had been filed. During this time, I also tracked my vehicle 's movement via GPS and received automated alerts indicating forced entry, including trunk access. 

At XXXXXXXX XXXX, I contacted Exeter Finance. I called again at XXXXXXXX XXXX. to obtain verification of the vehicles status and request written documentation. At approximately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I spoke to an Exeter Finance agent and formally requested : A copy of the legally required Notice of Intent to Repossess or Sell, A current statement of account including payoff balance, fees, and relevant transactions, and Confirmation of address status and communication records. 


This agent mocked me, and I was forced to disclose my XXXX in order to request ADA-compliant communication. My requests for documentation were refused verbally, and I was told I would not be given written records. I was also told the company does not accept my updated XXXX XXXX address despite repeated verbal notifications of my housing instability since XX/XX/XXXX, effectively resulting in missed legal notices and communications. 

Between XXXXXXXX XXXX XXXX XXXX XXXX, I made multiple follow-up calls, all of which were unproductive or hostile. At XXXXXXXX XXXX, approximately XXXX hours after the repossession, the Sheriff 's Department informed me the vehicle was finally reported as repossessed. Prior to that moment, no legal repossession notice had been filed with any law enforcement agency. 

Due to this failure in proper procedure and lack of notification : I was unable to retrieve personal items in a timely manner. 

I missed my first day of work at a new job, resulting in the loss of income. 

I was left without reliable transportation, impacting housing and employment opportunities. 


In the past several months, Exeter Finance has repeatedly : Denied my legal right to convenient and timely payment options, Revoked access to online/mobile payment platforms, Delayed application of third-party payments ( e.g., XXXX XXXX ), Denied written confirmation of verbal communications, Refused to update my address to a XXXX XXXX despite legal forwarding and repeated disclosures of homelessness, Failed to provide documentation of repossession, payoff status, or notices as required under California Civil Code 2983.2 , 2983.3, and UCC 9-611. 


I am requesting a full investigation and seeking {$25000.00} in damages due to : Documented financial harm, Emotional distress, Violations of state and federal consumer protection laws, Discriminatory conduct in failing to accommodate my XXXX, Mishandling and delayed reporting of the repossession, Loss of property access, employment, and housing security.

Company response to consumer: Closed with explanation