Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Email : XXXX Subject : XXXX XXXX XXXX XXXX Exeter Finance LLC Misconduct, GAP Claim # XXXX, and Repossession Violations To Whom It May Concern, I am submitting this formal rebuttal regarding Exeter Finance LLCs mishandling of my auto loan account, repossession process, and obstruction of an active GAP claim. Their actions have directly resulted in financial hardship, procedural violations, and emotional stress despite my consistent payments, documented communication, and full cooperation throughout. 

1. Vehicle & Account Information Name : XXXX XXXX Vehicle : XXXX XXXX XXXX XXXX VIN : XXXX Lender : Exeter Finance LLC GAP Claim # : XXXX Repossession Date : XX/XX/XXXX Sale Date : XX/XX/XXXX XXXX. FCRA & FDCPA Violations : No Notice, No Validation, No Contact Exeter Finance has falsely claimed they sent multiple repossession-related documents to me. However : I never received a single one of the notices now uploaded to the CFPB.

Exeter has had my correct email, phone number, and mailing address on file for the entire duration of our contract. 
They previously used XXXX to send payment confirmations, so they were fully capable of emailing notices yet chose not to. 
I never received a single mailed letter despite my address remaining unchanged I was not contacted by phone either. 

Their response to CFPB marked the first time I ever saw these documents. At no point did Exeter validate their debt with legally required delivery proof ( such as certified mail or tracking ). This constitutes a clear violation of FCRA Section 611 ( a ) ( 7 ) and basic consumer protection under the FDCPA.

3. Improper Repossession During Active Communication While Exeter was fully aware of the following, they still chose to repossess and rush the sale of my vehicle : The vehicle had mechanical damage and had been in and out of repair shops. 
I was in frequent contact, often calling multiple times a month with updates. 
I had already submitted my GAP insurance claim, which was approved and awaiting vehicle access. 
Every time I called, I was either transferred, told the department was closed, or left without answers. 

Instead of allowing me a fair chance to cure or coordinate recovery, Exeter proceeded with repossession and liquidation without proper notice or transparency. This action undermines both state repossession guidelines and good faith. 


4. Tow Misconduct ( XXXX ) : Damage and Key Loss Interfered with Claim Prior to repossession, on XX/XX/XXXX, my vehicle was towed by XXXX XXXX XXXX XXXX XXXX. Upon arrival : The front wheel was missing, and the car was in visibly worse condition than before the tow. 
The keys were never delivered despite the driver claiming they were. Surveillance confirmed otherwise. 
XXXX later disclosed the tow operator left the country, making recovery of keys and parts impossible. 
These issues directly impacted vehicle access for GAP evaluation.

Despite this, I complied with every requirement of my GAP claim, including submitting all documentation, photos, and timelines. My claim was accepted and approved. 


XXXX. Payment History & Proof of Responsibility I made over {$7000.00} in payments to Exeter Finance throughout XXXX. 
A single payment of {$3000.00} was made in XX/XX/XXXX alone. 
Final payment : {$2200.00} in XX/XX/XXXX. 
All payments were made on time, with documented intent to resolve the loan. 

This is not the behavior of someone avoiding responsibility I was consistent, cooperative, and proactive. 


6. Supporting Evidence ( Available Upon Request or Attached ) : GAP claim approval and timeline Payment receipts to Exeter Finance Vehicle photos pre- and post-tow Emails from XXXX and dealership Surveillance statement regarding missing keys Insurance/tow records Proof of accurate contact information on file I acted in good faith at all times. My payments, emails, phone calls, and cooperation reflect that clearly. It is Exeter and associated parties who failed to act responsibly. I am now seeking the justice and protection guaranteed to me under state and federal law

Company response to consumer: Closed with explanation