Consumer complaint received 2025-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
FINAL NOTICE OF DISCREPANCY, FRAUD, AND DEMAND FOR ENFORCEMENT Date : XX/XX/XXXX TO : XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX IRS XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Department of Justice XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX Georgia Attorney General XXXX XXXX XXXX XXXX XXXX FBI XXXX XXXX XXXX XXXX XXXX XXXX XXXX FROM : XXXX : XXXX Attorney-in-Fact / XXXX XXXX WALK IN FAITH MINISTRIES TRUST / XXXX XXXX XXXX XXXX IRS CAF XXXX XXXX : XXXX / XXXX / XXXX XXXX : XXXX c/o XXXX XXXX XXXX, Unit XXXX XXXX XXXX, GA XXXX Email : XXXX. XXXX XXXX  SUBJECT : Exeter XXXX XXXX XXXX Discrepancy Report, Borrower in Custody ( BIC ) Referral, and XXXX XXXX XXXX XXXX XXXX Rights This notice serves as a lawful demand and criminal referral against Exeter Finance LLC and XXXX XXXX XXXX XXXX XXXX, involving : Retail Installment Contract # : XXXX / Contract Date : XX/XX/XXXX VIN : XXXX XXXX XXXX XXXX Exeter Contract # : XXXX / Balance Claimed : {$28000.00} I. GROUNDS FOR ENFORCEMENT AND FRAUD FINDINGS GAAP FRAUD INDICATORS ASC 606 Revenue Recognition Pre-booking of unearned finance charge ( {$30000.00} ) without fiduciary disbursement. 

FASB ASC 850 Violations No disclosure of third-party assignments or securitization.

Matching Principle Interest charges without corresponding borrower benefit. 
Conservatism Breach Aggressive accounting while denying trust recognition. 
Consistency Principle Conflicting balances : {$27000.00} ( contract ) vs. {$28000.00} ( credit ) vs. {$28000.00} ( statement ). 

Materiality Violation Concealment of relevant fiduciary data breaches FASB & SEC materiality rules. 
No Auditor Reconciliation No independent third-party verification per FASB Concept No. 8. 

Other Violations 15 U.S.C. 1601 ( TILA ) APR at 26.35 % is unconscionable. 
15 U.S.C. 7001 ( c ) Electronic disclosures used without E-SIGN compliance. 
Mirror-entry fraud No actual funds disbursed ; borrower in custody. 

Filed XXXX : Balance : {$28000.00} FMV : {$75000.00} Description : Public-Side Lien / SSN Identity XXXX XXXX Identity Theft : Use of XXXX XXXX is unauthorized ; XXXX XXXX is XXXX. 

FTC Act ( 15 U.S.C. 45 ) Deceptive billing practices. 
GLBA ( 15 U.S.C. 6801 ) Privacy violations.

SEC Rule 10b-5 / 15 U.S.C. 77q, 78j ( b ) Undisclosed securitization = securities fraud. 
Constitutional Harm : XXXX XXXX. Amends IV, V, XXXX ; GA XXXX. Art. I. 
26 U.S.C. 6036, 6903, 7433 Harm to XXXX XXXX. 

XXXX. DEMANDS AND NOTICE OF ENFORCEMENT Correct All Records to reflect fiduciary authority per CAF filings and XXXX XXXX. 
Accept XXXX under 26 U.S.C. 6050J as abandonment of false debt. 
IRS XXXX XXXX initiated for identity fraud, trust misuse, and tax crimes. 
DOJ XXXX FTC Complaint filed under FTC Report # XXXX. 

Return VIN : XXXX with no further billing or XXXX threats and immediate release of title NOTICE BY AFFIRMATION Fraud in the Inducement and XXXX XXXX XXXX XXXX XXXX RE : XXXX, XXXX Pursuant to Revelations XXXX Statutory Grounds XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX ( XXXX fraud ) XXXX XXXX. XXXX ( ID Theft ) XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX. XXXX Notice : Termination of all public-side presumed agency and demand for restitution. 

Prepared and Affirmed : XX/XX/XXXX XXXX  : XXXX Attorney-in-Fact / Executor / Private Fiduciary / Ecclesiastical Trustee for : XXXX XXXX XXXX XXXX and WALK IN FAITH XXXX XXXX XXXX XXXX Nos. : XXXX / XXXX / XXXX XXXX : XXXX ( XXXX ) XXXX c/o XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation