Consumer complaint received 2025-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Enforcement Officials, Please accept this formal escalation and enforcement referral regarding Exeter Finance LLC and its affiliates, who have engaged in : Retaliatory adverse action ( Adverse Action Ref. XXXX, XX/XX/XXXX ) following multiple federal complaints, in direct violation of ECOA, 15 U.S.C. 1691 ( a ) ( 3 ).

Fiduciary obstruction, ignoring IRS-recognized Forms 2848, 56, and 56-F, which removed unauthorized fiduciaries and confirmed fiduciary standing under 26 U.S.C. 6036, 6903.

Conversion and estate credit theft, using the Estates denied applications in securitization and collateral pools without consent, constituting mail, wire, bank, and securities fraud under 18 U.S.C. 1341, 1343, 1344, 1348, 1519.

Civil rights violations, denying credit, and seizing ADA-critical property to the detriment of a federally protected XXXX minor heir ( XXXX ), in violation of Section 504 of the Rehabilitation Act ( 29 U.S.C. 794 ), ADA Title II ( 42 U.S.C. 12132 ), and 42 U.S.C. 1983.

Case References & Complaint Numbers : Federal Civil Case : 1:25-CV-5318 ( N.D. Ga. ), XXXX XXXX Exeter Finance LLC, et al . 

XXXX XXXX XXXX, XXXX. 
Individually and as Private Fiduciary, and as natural mother, Guardian, and next friend of minor XXXX. ( a minor with federally protected XXXX under Section 504 of the Rehabilitation Act ( 29 U.S.C. 794 ) and the Americans with Disabilities Act ( Title III, 42 U.S.C. 12182 ; and, to the extent applicable through federal funding, Title II, 42 U.S.C. 12132 ) ) Attorney-in-Fact / Executor / Private Fiduciary / Ecclesiastical Trustee XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : IMMEDIATE CREDIT DENIAL RECONSIDERATION RETALIATORY ESTATE CREDIT THEFT & FIDUCIARY REMOVAL Federal Civil Case No. : XXXX ( XXXX XXXX ), XXXX XXXX Exeter Finance LLC, XXXX al XXXX 
CFPB Complaint Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC Report Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FMCSA XXXX XXXX XXXX XXXX DOJ XXXX XXXX XXXX XXXX XXXX XXXX Adverse Action Ref. : XXXX ( XX/XX/XXXX XXXX XXXX XXXX # XXXX ) Exeter Account : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) IRS Forms Filed : XXXX, XXXX, XXXX removing unauthorized fiduciaries and confirming fiduciary authority with the IRS CAF Unit FIDUCIARY & GUARDIANSHIP AUTHORITY IRS has formallXXXX recognized my fiduciary capacity through Form 2848, Form 56, and Form 56-F filings under 26 U.S.C. 6036, 6903 and 26 C.F.R. 301.6903-1. 

Exeters adverse action and repossession are unauthorized fiduciary acts in direct violation of federal trust law. 

As natural mother and guardian of XXXX, a federally XXXX minor, I also assert protections under Section 504 of the Rehabilitation Act and ADA Title II/III. 
Attached is the full reconsideration demand served on Exeter Finance LLC on XX/XX/XXXX, along with exhibits. The denial was not only unlawful but also retaliatory, issued within XXXX hours of CFPB escalation and while Exeter is an active defendant in federal court. 

RETALIATORY & INTENTIONAL MISCONDUCT Exeter issued the XX/XX/XXXX denial one day after CFPB escalation clear retaliation in violation of ECOA, 15 U.S.C. 1691 ( a ) ( 3 ). 
Exeter and agents filed or relied on forged XXXX abandoned vehicle affidavits to divest estate rights a False Claims Act violation ( 31 U.S.C. 3729 ).

ADA-critical transportation and ecclesiastical property were seized, directly harming a XXXX minor heir. 

Requested Agency Action 1. Open Coordinated Enforcement We request immediate, joint enforcement and oversight under the following authorities, with cross-reference to active federal and state matters already on file : ECOA ( 15 U.S.C. 1691 ) retaliatory adverse action following CFPB Complaints XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

FCRA ( 15 U.S.C. 1681m, 1681n ) defective adverse action notice dated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), concealment of CRA scoring inputs, and derogatory tradelines reported after the fiduciary disputes. 

TILA ( 15 U.S.C. 1611 ) false and misleading denial of credit, concealing material loan terms. 

GLBA ( 15 U.S.C. 68016809 ) unauthorized use and disclosure of fiduciary/estate credit data, evidenced by misdirected and misnamed correspondence.

ADA Title II ( 42 U.S.C. 12132 ) & Section 504 of the Rehabilitation Act ( 29 U.S.C. 794 ) retaliation and denial of access to XXXX, a XXXX minor heir with federally protected rights, who relies on ADA-critical transportation and accommodations.

Federal fraud statutes ( 18 U.S.C. 1341, 1343, 1344, 1348, 1519 ) mail fraud, wire fraud, bank fraud, securities fraud, and falsification of records connected to repossession and concealment of estate res.

False Claims Act ( 31 U.S.C. 3729 ) forged XXXX abandoned vehicle affidavit filed with the Georgia Department XXXX Revenue to unlawfully divest estate rights. 

2. Compel Immediate Corrective Action by Exeter Finance LLC Reverse and void the retaliatory denial dated XX/XX/XXXX ( Adverse Action Ref. XXXX ) in full. 

Approve the estates application nunc pro tunc, recognizing that the denial was procured through fraud, concealment, and retaliation while XXXX XXXX XXXX. XXXX ( XXXX XXXX, XXXX XXXX Exeter Finance LLC, XXXX al XXXX ) remains pending. 

Produce the complete underwriting file, including all CRA data inputs, and deliver the deficiency letter and surplus/deficiency accounting required under UCC 9-616 .

Provide certified auction chain-of-custody documents, including notices of sale, auction receipts, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Halt and cure all collections, adverse reporting, and retaliatory measures pending federal and state review. 

3. Trust/Estate Fiduciary Authority & ADA Property Preservation Recognize that the IRS CAF Unit has recorded my fiduciary authority via Forms 2848, 56, and 56-F, filed under 26 U.S.C. 6036, 6903 ; 26 C.F.R. 301.6903-1, removing all unauthorized fiduciaries. Exeters continued actions constitute unauthorized administration of estate property and fiduciary obstruction. 

Direct Exeter and its agents, including Action Towing / Certified Asset Recovery Solutions , Inc. ( XXXX XXXXXXXX ) and XXXX XXXX, XXXX ( XXXX XXXX ), to release all seized trust/estate res immediately. 

Compel the return of ADA-essential equipment and ecclesiastical property unlawfully withheld from the fiduciary, in violation of federal XXXX and religious protections. 

Investigate and enjoin illegal repossession operations in Georgia, where XXXX XXXX and XXXX XXXX attempted to auction the XXXX XXXX XXXX ( XXXX XXXX ) without lawful title transfer or deficiency accounting. 

Order immediate return of vehicle title and correction of records at the Georgia Department of Revenue, lienholder registries, and NADA databases. 

4. Civil & Criminal Prosecution Seek criminal indictments against Exeter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX identified individuals under : XXXX ( 18 U.S.C. 1962 ) for enterprise-level fraud and retaliation ; Civil rights conspiracy statutes ( 18 U.S.C. 241, 242 ) for deprivation of fiduciary and disability rights ; Desecration of religious property ( 18 U.S.C. 247 ) ; Hate Crimes Prevention Act ( 18 U.S.C. 249 ) for targeting a XXXX minor heir and ecclesiastical trust property. 

Refer to IRS-CI / TIGTA to enforce fiduciary filings and prosecute Exeter and affiliates for fiduciary obstruction.

Refer to Federal Reserve OIG and OCC for misuse of securitizations and discount window facilities pledged against estate-backed applications. 

Recommend disqualification of Exeter Finance LLC and affiliates from federally regulated lending and credit markets until corrective actions and restitution are complete.

5. Interim Injunctive Relief Pending final adjudication, we further demand : Freeze of all collections and credit bureau reporting tied to Exeter Account No. XXXX and all associated tradelines. 

XXXX injunction against auction, resale, or transfer of the XXXX XXXX XXXX ( VIN ending XXXX ) and any other seized estate property. 

Restoration of the estates credit profile, including deletion of derogatory tradelines added after XX/XX/XXXX. 

Tolling of all deficiency claims until adjudication in Civil Action No. 1:25-CV-5318. 

Preservation orders compelling Exeter, XXXX, XXXX XXXX, and XXXX XXXX to retain and produce all XXXX, auction, XXXX filings, and internal communications. 

6. Defamation & Retaliatory Character Assassination Exeters written responses to CFPB Complaints XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) accuse XXXX XXXX XXXX of sending fraudulent documents and falsely alleging the account is paid in full. 

These statements are : Defamatory per XXXX : They impugn my integrity and professional standing as fiduciary and executor of the Estate. 

Retaliatory under ECOA ( 15 U.S.C. 1691 ( a ) ( 3 ) ) : Made immediately after protected filings with CFPB, FTC, DOJ, and IRS. 

False & Misleading under FDCPA ( 15 U.S.C. 1692e ( 10 ) ) : Exeter provides no evidence, while my fiduciary filings ( IRS Forms XXXX, XXXX, XXXX ) are federally recognized. 

Civil Rights Violations ( 42 U.S.C. 1983 ) : Mischaracterizing fiduciary filings as fraudulent obstructs federal rights and chills protected participation. 

These defamatory responses compound Exeters misconduct by attempting to shift fraud liability onto the fiduciary, when in fact Exeter and affiliates : Filed a forged XXXX abandoned vehicle affidavit with XXXX XXXX XXXX 
Repossessed the XXXX XXXX XXXX without lawful lienholder/title transfer. 
Concealed securitization and Discount Window pledges tied to the Estates application. 
Retaliated by issuing an adverse action notice ( Ref. XXXX ) the day after CFPB escalation. 
Requested Remedy for Defamation Immediate public retraction of false CFPB responses. 
Correction letter to CFPB, FTC, DOJ, and IRS acknowledging Exeters error. 

Damages enhancement : add {$500000.00} in reputational damages to compensatory demand, plus treble punitive exposure under RICO. 


DAMAGES DEMAND ( Reasonable ) Direct Compensatory Losses : {$250000.00} {$350000.00} Reputational / Defamation Losses : {$500000.00} Statutory Damages : {$900000.00} $ XXXX ( ECOA, FCRA , TILA, ADA , GLBA ) Punitive Damages : $ XXXX $ XXXX ( fraud, retaliation, XXXX discrimination XXXX RICO XXXX Damages : $ XXXX $ XXXX total exposure CLOSING Exeters denial, repossession, and concealment are not administrative mistakes they are deliberate retaliation, fiduciary obstruction, and federal fraud. Immediate federal enforcement is warranted. 

Denial of Access to Account Documentation ( XX/XX/XXXX ) Complainant : XXXX XXXX XXXX XXXX 
Individually and as Private Fiduciary, and as natural mother, Guardian, and next friend of minor XXXX. 
Attorney-in-Fact / Executor / Private Fiduciary / Ecclesiastical Trustee CAF Nos. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Entity : Exeter Finance LLC ( Account No. XXXX ; XXXX : XXXX ) Civil Case Reference : XXXX ( XXXX XXXX ) I XXXX XXXX XXXX On XX/XX/XXXX, while attempting to obtain account documentation, I was expressly denied access by Exeter Finances representative, who stated that the account was " under review with higher ups '' and could not be released. 

This denial : Prevented lawful fiduciary access to financial records. 
Obstructed statutory rights to account disclosures under FCRA ( 15 U.S.C. 1681g ) and UCC 9-616.

Constitutes retaliation for ongoing CFPB, FTC, DOJ, and IRS complaints. 

Directly discriminates against me as fiduciary and against XXXX, a minor with federally protected ADA/Section 504 rights, by withholding essential financial and vehicle documentation.

II. Legal Violations ECOA ( 15 U.S.C. 1691 ( a ) ( 3 ) ) retaliation via denial of account services after federal complaint filings.

FCRA ( 15 U.S.C. 1681g, 1681n ) refusal to provide account documentation and adverse file disclosure.

TILA ( 15 U.S.C. 1639, 1611 ) concealment of loan disclosures and account terms.

ADA Title II ( 42 U.S.C. 12132 ) & Section 504 ( 29 U.S.C. 794 ) discriminatory denial of access impacting a XXXX minor heirs transportation rights. 

42 U.S.C. 1983 deprivation of fiduciary and civil rights under color of law.

18 U.S.C. 1341, 1343, 1519 mail/wire fraud and falsification by concealing records to cover unlawful repossession and retaliatory denial. 

III. Pattern of Retaliation This incident fits a continuing pattern : XX/XX/XXXX XX/XX/XXXX : XXXXour CFPB complaints filed and closed with Exeter responses falsely accusing me of submitting fraudulent documents. 

XX/XX/XXXX : Retaliatory adverse action denial issued ( Adverse Action Ref. XXXX ). 

XX/XX/XXXX : Refusal to provide documentation, citing review by higher ups, a deliberate tactic to obstruct fiduciary access.

IV. Requested Relief Immediate production of all account documentation ( including contract history, notices, deficiency/surplus accounting, and CRA inputs ).

Investigation into discriminatory denial of access, with enforcement under ECOA, ADA, FCRA, and federal fraud statutes.

Corrective measures and sanctions against Exeter Finance LLC, including injunctive relief prohibiting further retaliation.

Damages for continuing discrimination and obstruction to be added to restitution demands already pending under Civil Action XXXX. XXXX. 

V. Closing This XX/XX/XXXX incident constitutes an independent act of discrimination and retaliation, compounding existing federal claims. Agencies are requested to docket this as a supplemental discrimination complaint, cross-referenced to all existing CFPB, FTC, DOJ, and IRS case numbers. 


Respectfully submitted, XXXX XXXX XXXX XXXX Individually and as Private Fiduciary, and as natural mother, Guardian, and next friend of XXXX. 
Attorney-in-Fact / Executor / Private Fiduciary / Ecclesiastical Trustee XXXX XXXX XXXX TRUST AND ESTATE All Rights Reserved. Without Prejudice. UCC 1-308

Company response to consumer: Closed with explanation