Consumer complaint received 2025-03-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Paid XXXX with a trade. XXXX XXXX wrote on a paper that I have a picture of XXXX with a slash going through it for a XXXX discount for XXXX XXXX to have access to our XXXX XXXX. Stating XXXX next to it! XXXX XXXX has crossed the line in several ways, and was fired swiftly. However ; XXXX has done nothing to fix his scam. They told me the trade and the down payment on this paper as well, would go toward this balance of XXXX. Instead, when signing my paperwork the next day they switched everything! I didnt notice, and I was never shown any actual numbers on my paperwork or what I was agreeing to Just the signature box, as I trusted XXXX would do right by me. But I was sorely mistaken, instead they scammed me I was not expecting this, as the new guy in training and I were also planning on doing/did separate work on the side! But I later found out that XXXX does not care about its employees, as they did a bait and switch to his mom as well, overcharging her for a vehicle and tricking her with their sales price same as me. Ultimately causing him to quit The amount XXXX ( sales person ) and XXXX ( XXXX ) told me that my car was valued at, was {$30000.00}. Charging me {$27000.00} minus my down payment and trade when its all sorted! But come to find out, I was charged {$30000.00} And they REFUSED to simply charge me less or take the car back, or fix their mistakes in any way. It is a XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX worth only ( $ XXXX $ XXXX ) This IS almost exactly what the car was valued at during the sale! XXXX STILL continues to lie about the value of the car through messages. I have those messages. What XXXX has charged me for this car is 50 % more than the actual value of the car. Charging 50 % more than the cars value is usurious, but Ive notified XXXX of this overcharge and they REFUSE to take accountability or undo their scam in any way! I have submitted several XXXX complaints, and contacted the finance company to void this contract several times! As it is not a legal contract in any way shape or form, its a scam contract. I also had offers of XXXX for my trade, and told the salesmen this! He instead took my vehicle claiming he wanted it and would get me close to XXXX to get us a deal on this car Im purchasing Instead, XXXX gave us XXXX, and the salesmen XXXX never responded to my messages when I asked what he was offering for the trade after they took the car I was going through a severely hard time in my life, and was not in a clear mental state nor could I understand the scam that I was under as it was my first time doing this, on my own And I was selectively price gouged and manipulated into signing a contract And I was taken advantage of in every way possible When you add financing on top of the scam Ive been dealt, I am expected to pay a total of {$58000.00} and enslave the rest of my life away to this vehicle As that is what my contract with XXXX and Exeter finance that I never saw states And the car stays locked away, not being used, just being paid for As it has put me in financial debt, and I cant even risk to use the very car I am being scammed into paying for Ive done everything I can to make them aware that this contract is void, and I have even offered to XXXX to keep the trade they scammed me on, and to refund me my money and take back this vehicle. As I have made it very clear since the week of purchasing this vehicle that I do not want it, the financial debt, or the scam amount that XXXX  has to offer. Please help me Ive been trying to get this vehicle refunded since being scammed into taking it The vehicle it states they sold me on our paperwork is completely different form the vehicle I purchased, as they entered the incorrect vin on the paperwork not for this vehicle, but for a completely separate one This contract is not only incorrect, but its simply not real as it states the wrong vin number and XXXX can not alter my contract after its been signed. XXXX and I have no contract. Its simply VOID And I have received no assistance Please help me The finance company EXETER FINANCE is also charging me an 18 % interest rate on this car, and is not a CSO, CAB, nor are they third party lenders/lending. Theyre simply breaking the law on top of the scam ran by XXXX and I am expected to pay around {$58000.00} for a car worth {$20000.00} Over time Ive been unable to pay on this vehicle after having my business stolen, Ive been scammed out of life itself, and Exeter finance refused to work with me to lower the finance amount to reflect a fair and reasonable purchase! Ive been attempting to have them be reasonable for month now! They are now ruining my credit while knowing fully that I was in fact scammed by the dealership!

Company response to consumer: Closed with explanation