Consumer complaint received 2026-05-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
XXXX XXXX XXXX Incident. My brand new XXXX XXXX XXXX rear ended and drugged by an XXXX XXXX truck. Property damage. I filed a claim with my insurance company first. Who purposely dummy down the preliminary estimate. After being told to handle my own claim from my insurance company, XXXX XXXX. I filed a claim with the at fault insurance XXXX XXXX XXXX who took full liability For the damages. XX/XX/XXXX after the adjuster from XXXX XXXX XXXX told me to pick a shop. I put my car at the dealership repair shop, XXXX XXXX XXXX. My preliminary estimate was for XXXX. My car stayed in the shop for over a month.And a half, I picked up my vehicle, XX/XX/XXXX after XXXX XXXX XXXX paid for unnecessary cosmetics and unauthorized supplement XXXX dollars XX/XX/XXXX 2 days after pick up from repair shop, my vehicle malfunctioned on the highway injuring me. The steering wheel went haywire. Roadside emergency XXXX, who is my new insurance company After XXXX XXXX, insurance, agent stirred me away from XXXX XXXX and gave me a better quote with XXXX, After the incident of XXXX XXXX XXXX. The dealership and the insurance company let my car\n Gain storage fees for over a week. While they went back-and-forth blaming each other. I found. A claim with XXXX due to the malfunction of the steering wheel and the injuries. But they said it from the first incident from the trucking company, they need to come out and investigate the vehicle, and the car needs to go back to the repair shop, XXXX XXXX i gave the dealership a second chance to look at my vehicle, not trusting, but he kept my car for an additional 6 days after it came from out of storage. All to call me and tell me nothing is wrong with my vehicle. XXXX XXXX XXXX told me I didn't know how to use the XXXX XXXX, but and that I owe them {$1900.00} or they're not giving me my car back, they ignore my cries and my concerns of the malfunction of the bad steering, breaking and whiny. Noises while in reverse. The dealership told me I was delusional that I don't know how to use my XXXX XXXX button. They extorted me out of the {$1900.00}, and told me to leave their shop. The will alignment and the unnecessary cosmetic repairs was already paid for by XXXX XXXX XXXX XXXX. Neither insurance company never authorized the supplement to the dealership. I never received any phone calls or signed any paperwork with the insurance companies or the dealership on any authorization. Exeter finance has known of this incident since the beginning i sent Exeter financ the check from national general that was not needed due to great west casualty taking full liability for the damages. I was told nothing what's wrong with my car. There was never any customer request from the malfunction.. i hold in my hand a second repair job, unknown to me, XX/XX/XXXX of A second wheel alignment suspiciously compromised that was done I was told by the repair shop but never receiving any reports of this unknown wheel alignment for the second time. XX/XX/XXXX i took my car to a independent shop. I was there for only XXXX minutes. When the dealership kept my car for almost 2 months.\n The independent shop lift my vehicle up in the air and saw that my wheels were twisted unaligned. Structural damage unsafe to drive. The 2nd shop looked over my invoice and told me there's never been a will alignment on this vehicle. This vehicle has frame damage. I was instantly told to stop driving the vehicle.I reached out to the dealership in the insurance company with pictures and videos of the frame damage. And the bad breaking and the whining noises. The insurance company acknowledged the damage would fail to investigate. XXXXhe\n Dealership told me to go get it on paper from another repair shop due to the second shop litigation issue.\n Secondhand work, unrepaired Structural damage left on a brand new car. But now the dealership doesn't want it to come back to their shop after seeing the damages.So I reach out to the XXXX XXXX XXXX Attorney General XXXX Department of revenue unfair practices from dealership Filed complaint with the FTC also Filed complaint with XXXX CONFIRMED that the repairs are not even in the database system for XXXX which sparked an investigation with Product liability manufacturing parts, they wanted to investigate the malfunction of the steering wheel and What alleged will alignment am I speaking of also XXXX dollars in cosmetics XXXX said it doesn't exist in their system XX/XX/XXXX. I reached out to my insurance company. XXXX XXXX to subrogate the claim, but they kept hanging up the phone and pretending they didn't know what was going on with the frame damage after they dummy down the estimate and substituted it with a wheel alignment and pre scans XXXX of XXXX. They have denied to respond to the complaint from the XXXX XXXX XXXX XXXX. For 8 months, they wouldn't respond to the Attorney General. After them receiving. Accurate reports of frame damage neither insurance company, XXXX XXXX XXXX or XXXX XXXX will come and investigate the frame damage after it has been shown to them.I reached out to Exeter finance on the total loss\n That the insurance companies will not investigate after colluding with the dealership. XX/XX/XXXX XXXX, my insurance company created a fake narrative. For an underwriting issue to cover up liability of the malfunction of the steering wheel for the dealership. XXXX XXXX XXXX Ajuster held on to fake false, wheel alignment reports rigged up by XXXX XXXX XXXX for over XXXX months. Insurance companies were caught when they got the accurate results of the frame damage, so they decided to not answer my phone calls or my emails. XX/XX/XXXX XXXX XXXX who failed to subrogate for over 8 months, decided they want to finally get into compliance. They conspired in a fake investigation with product liability by XX/XX/XXXX. XXXX XXXX XXXX, just keep saying I paid and XXXX XXXX is just as liable as them. Product liability and XXXX XXXX just set up a date to investigate at the shop. I have been waiting for 9 months for this investigation, but they never showed up.No emails, no phone calls, no one 's picking up when I reach out to all who initiate this fake investigation XX/XX/XXXX my car was stolen by Exeter finance who has known of the frame damage since XXXX of XXXX. Breach of Peace never receiving any notices of repossession when they told me they were going after the insurance companies last year. This fake investigation that was conspired by the insurance companies went on for 2 months. This vehicle has full coverage through XXXX XXXX.I filed a claim again XX/XX/XXXX on the death of my vehicle\nBeing stolen with the evidence of frame damage that the leinholders is trying to destroy\nSo the insurance companies and the dealership won't take liability of the structural damage and the unsafe vehicle they forced me with. There are currently XXXX claims open on this vehicle. Open investigation, Internal Affairs Attorney General XXXX Police report filed Theft upon deception Extorted by the dealership XXXX XXXX XXXX. Evidence Stolen by Exeter Finance. All these companies trying to hide frame damage, and they're mad because they got caught, I don't appreciate the threats, the scams, the deceit, the harassment framing me illegally into debt. I have been violated Frauded by the dealership XXXX XXXX XXXX and Exeter finance. Insurance fraud XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX Product liability colluding in this fraudulent claim certify letter has been written to Exeter finance Replacement All loan payments made from the structural damage and improper repairs. Loss of use from XX/XX/XXXX. Transportation cost.\nOccurred due to loss of vehicle. Medical expenses that I suffered due to malfunction XX/XX/XXXX. Financial harm due to XXXX XXXX abandoning my claim. Full value of XXXX XXXX XXXX as aTotal loss frame damage on a new car renders it a total loss un industry standards. Exeter finance refusing to communicate properly and unlawful repossession without proper notice all constitute FDCPA violations. XXXX XXXX XXXX XXXX XXXX XXXX XXXX is covered under XXXX new vehicle limited Warranty. Frame damage caused by a collision and improperly repaired by an authorized XXXX dealer. XXXX XXXX XXXX creates warranty claims directly against XXXX XXXX. Under 15 U.S.C. section 2310 ( d ) breach of Warranty. Threatening to sell Auction a unsafe condition vehicle to another individual without report history innocent buyer. Attempted to hold me liable for any deficiency. Sale of the vehicle will cause irreplaceable harmto this legal claim. The balance of hardships favors preservation of the vehicle. Please force correction to Exeter finance and XXXX XXXX by law

Company response to consumer: Closed with explanation