Consumer complaint received 2024-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
I ask you, please, for your help in my case. I will give you an essential summary of everything that happened and why? You will better understand the scenario given the petty and unreliable interests of XXXX XXXX. In the end, you will realize the crux of the matter and the collateral damage caused to my family and/or professional environment. 

Following up on our telephone conversation this afternoon in relation to the process of strong inquiries to different banks and financiers that are exactly detailed before the credit bureau with my credentials ( SSN ) for the procedure requested by XXXX XXXX ( XXXX XXXX XXXX XXXX Please see attached data / Digital backup ). 

XXXX XXXX asked me to help accompany her to your office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. First, her credit and credentials were verified. ( SSN ) And the sales associate who assisted her at the time told her that her credit score is exceptionally low and she needed to present a co-signer and contribute a higher premium to the AUTO. Having this information, XXXX, she suggested to the seller that they try my personal credentials ( SSN ) to see how my credit history would become known and see if the monthly payment could be lowered. So, USD XXXX was a very heavy amount for their finances. She was looking for an average fee between approximately USD XXXX. 

I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best economic decision for her budget. The seller and she assured me that only 1 inquiry would be made to the credit bureau and that it would be soft. And it would not affect my score in the slightest. situation, which is NOT true at all. At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and NEVER request to be the main debtor and/or co-debtor in this process. 

It is for this reason that I totally refused with XXXX XXXX to continue with this rugged procedure that would have me as a financial slave by being the OWNER of the credit, where she ; First, she requested that I accompany her to the dealership to view her offer on her vehicle, NOT that I was the victim of this fraudulent and deceptive scheme. 

I strongly demanded that XXXX XXXX assume responsibility for her and that she not uses me as a scapegoat and/or a useful fool for her whims and follies. I would not agree to her requests under any circumstances. ( Her modus operandi is to use third parties whom she psychologically manipulates to apply for credits/services for her own benefits and benefits. ) Where, she tells you that she would pay the monthly fee and that she would take care of the loan. And that after 2 to 4 months they ignore her obligations and she stops PAYING. And since the credit is NOT in her name, but she does use the good and/or takes advantage of the circumstances. And at the time of charging you. She gets upset and acts offended. And then she tells you not to be HARASSING her, that she threatens to call the police that you are harassing her and that you are a XXXX  and XXXX harasser and she is always the victim, a single, divorced mother. Pure XXXX she is a professional scammer, impostor and evildoer. 

So, the healthiest thing is to cut off this type of toxic, harmful and extremely carcinogenic friendship )/ I express to you with complete knowledge of the cause and testimony of life. I did not PAY for the auto policies for her XXXX vehicles. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Auto/Insurance Policy ( USD XXXX ) and the expenses of the mortgage procedure concerning the appraisal/valuation service USD XXXX that she was doing and that, THANK YOU TO THE MERCY OF XXXX, He removed the blindfolds from my eyes and I was free from a mortgage of USD XXXX for 30 YEARS. ( Where in the end, co-worker XXXX XXXX is being a pander to her and protective of all her faults and abuse of trust ). 

Because, being co-workers, on several occasions she presented herself to me as the martyr and in financial need and that she did not have support from her ex-husband ( XXXX XXXX XXXX, family ( XXXX XXXX and XXXX XXXX XXXX and that she needed a policy to your vehicle and the payment of the state license, electric energy among other services. That I would do the paperwork with the insurance company and then they would be paying me the insurance fee monthly. ( 6 Month policy ). And, not to make the story long. She NEVER took responsibility for her and rather got upset with me for charging her and making her feel dispossessed for being a single mother. And so, you can express other cases that happened with other people, but at this moment they do not come to the point of investigation and dispute. 

I worked with XXXX XXXX since XX/XX/XXXX, at XXXX XXXX XXXX XXXX Illinois and our positions are Community Health Worker ( We both earned USD XXXX a year- with the exception that XXXX XXXX had a salary adjustment to mid-year XXXX and has XXXX sources of money from part-time jobs : XXXX and XXXX ). I thought I knew everything about her. But it is not like that. For administrative reasons I reserve BECAUSE I have signed a confidentiality agreement with my employer. I stopped working as of XX/XX/XXXX and where XXXX XXXX had to do with much of the collateral and harmful damage against my family and professional environment. SO MUCH so that my colleagues have not returned my calls and my closest friend from the XXXX office XXXX XXXX ; He thinks the worst of me. For trying to collect bills from XXXX XXXX that she DOES NOT want to PAY. ( She has NOT had the slightest consideration and she knows that I have been unemployed and the situation has not been good at all for my family ) Rather, I have received threats from XXXX XXXX. Don't keep writing to your work email, because they are going to report me as HARASSMENT. ( This term is extraordinarily strong and even more so in the USA and I can even go to prison for several years And I do not want to fall further into this deceptive plot ). It is one of the reasons that I blocked the phones of XXXX XXXX and her former colleagues. 

therefore, I am acting in good faith and with the healthy intention of wanting to help, without any demands, manipulation, or XXXX favor. I have been a victim of the greatest ABUSE, DECEPTION of trust by my former colleague. That really, I was surprised by the true Machiavellian, harmful and unscrupulous identity that has had no mercy or even the slightest consideration towards me, nor my Wife and Family. I do not know where the mutual love of working and helping the entire Outreach team in the face of life 's unforgiving needs went. ( A hard, sad and GREAT lesson in Life ). - Nowadays. My perception of XXXX XXXX is that of an extremely dangerous woman capable of ANYTHING. ( That's why I manage it from afar and surround it ). 

That is why, in the most empathetic, real and without lies. I ask you and the entire team that supports you in the finance area, PLEASE. They can issue an alert and/or correction request for all queries made with my SSN. I really feel dejected, worn out by the low blows received and the shocking damage to my Credit record.

Company response to consumer: Closed with explanation