Consumer complaint received 2026-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
In XX/XX/XXXX I took out an auto loan with Exeter Finance for an {$8900.00} used vehicle. For years I paid my bill and didn't have many issues. In XX/XX/XXXX, the difficulty with my Exeter Finance auto loan began. Despite having only a few late payments in the years prior to that ( my bill pay date is the XXXX each month ), and never missing any monthly payments completely, Exeter began engaging in predatory and fraudulent lending practices in XXXX. The balance on my loan at that point was about {$5000.00}. Despite my efforts to log on to the payment portal and make payments on past-due amounts, money I paid was being applied toward upcoming balances, not the past-due amounts. This allowed the past-due amounts to continuously accrue late fees. I have called Exeter many times. Initially, the customer service reps assured me that by calling and telling them to apply the next online payment I made to my past due amount, all would be resolved. After weeks of calling and making online payments to rectify past due balances- along with outrageous late fees, my monthly statements continued to show late payments and late fees. Repeated calls to Exeter resulted in round-and-round logic where each representative acknowledged that I was making my payments, but could not explain why more late fees were being accrued. Every time I log on to make past-due payments, I have to also call to instruct Exeter to apply those payments to past due amounts, and then to current charges. Every time I call I speak with representatives who are confused as to why I am repeatedly charged late fees, despite my attempts to make on-time payments online. Sometimes my payments don't go through despite using a debit card with plenty of money in the bank. Sometimes the Exeter online payment site is unavailable, but not due to scheduled maintenance, it just won't load. Sometimes the system shows my on-time payment, but late fees are still applied. Since XXXX, I have not been able to get this billing situation back on track, but not for lack of funds or for communication on my part. Each representative apologizes and acknowledges that Ive made huge over-payments in attempts to remedy the situation. Many say they can see I have called to tell the company to apply those payments to past-due amounts and late fees, as well as to current charges, but then they tell me they cant do anything to cancel out the continued accrual of late-fees that seem to have been erroneously levied on my account. I am tired of calling and speaking to different people who cant help me. I have made FULL payments on past-due amounts and late fees for months and each time I log on to my account, they show more past-due amounts and late fees that should not be there. I am an honest, hard-working person and I pay my debts on time. When I have difficulty, I communicate. This is too much. This company is deliberately messing with my account and now improperly reporting late payments to the credit bureaus, resulting in my credit score going down. Exeter has provided me with documentation of my billing history, but they continue to list my billing address incorrectly on their statements. Heres some payment history : XX/XX/XXXX Payment Received {$170.00} {$92.00} {$84.00} - {$5600.00} XX/XX/XXXX Payment Received {$210.00} {$54.00} {$150.00} - {$5500.00} XX/XX/XXXX Payment Received {$170.00} {$65.00} {$110.00} - {$5300.00} XX/XX/XXXX Payment Received {$170.00} {$46.00} {$130.00} - {$5200.00} XX/XX/XXXX Payment Received {$170.00} {$59.00} {$110.00} - {$5100.00} XX/XX/XXXX Payment Received {$170.00} {$54.00} {$120.00} - {$5000.00} XX/XX/XXXX Late Fee Assessed - - - ( {$15.00} ) - {$5000.00} XX/XX/XXXX Payment Received {$170.00} {$72.00} {$100.00} - {$4800.00} XX/XX/XXXX Payment Received {$50.00} - {$50.00} - {$4800.00} XX/XX/XXXX Payment Received {$170.00} {$31.00} {$140.00} - {$4700.00} XX/XX/XXXX Payment Received {$170.00} {$50.00} {$120.00} - {$4500.00} XX/XX/XXXX Payment Received {$170.00} {$42.00} {$130.00} - {$4400.00} XX/XX/XXXX Payment Received {$170.00} {$50.00} {$120.00} - {$4300.00} XX/XX/XXXX Late Fee Assessed - - - ( {$15.00} ) - {$4300.00} XX/XX/XXXX Payment Received {$170.00} {$87.00} {$89.00} - {$4200.00} XX/XX/XXXX Late Fee Assessed - - - ( {$15.00} ) - {$4200.00} XX/XX/XXXX Payment Received {$170.00} {$40.00} {$130.00} - {$4100.00} XX/XX/XXXX Late Fee Assessed - - - ( {$15.00} ) - {$4100.00} XX/XX/XXXX Payment Received {$170.00} {$50.00} {$120.00} - {$3900.00} XX/XX/XXXX Late Fee Assessed - - - ( {$15.00} ) - {$3900.00} XX/XX/XXXX Payment Received {$20.00} {$6.00} {$13.00} - {$3900.00} XX/XX/XXXX Payment Received {$180.00} {$32.00} {$140.00} - {$3800.00} XX/XX/XXXX Late Fee Assessed - - - ( {$15.00} ) - {$3800.00} XX/XX/XXXX Payment Received {$67.00} {$11.00} {$56.00} - {$3700.00} XX/XX/XXXX Late Fee Assessed - - - ( {$15.00} ) - {$3700.00} XX/XX/XXXX Payment Received {$490.00} {$64.00} {$430.00} - {$3300.00} XX/XX/XXXX Payment Reversed ( {$490.00} ) ( {$64.00} ) ( {$430.00} ) - {$3400.00} XX/XX/XXXX Payment Received {$350.00} {$64.00} {$280.00} - {$3400.00} XX/XX/XXXX Late Fee Payment Received {$140.00} - - {$140.00} - {$3400.00} XX/XX/XXXX Late Fee Assessed - - - ( {$15.00} ) - {$3400.00} XX/XX/XXXX Late Fee Assessed - - - ( {$15.00} ) - {$3400.00} XX/XX/XXXX Payment Received {$170.00} {$100.00} {$68.00} - {$3400.00} XX/XX/XXXX Late Fee Assessed - - - ( {$15.00} )

Company response to consumer: Closed with explanation