Consumer complaint received 2024-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX and Exeter Finance are responsible for the disaster car loan I am stuck in and I can not get out of because my car is so upside down and I have been trying to get some legal help since XXXX of XXXX when I finally realized what all XXXX of these Companies did to me XXXX XXXX XXXX and to my son XXXX XXXX XXXX and our XXXX Veteran Cousin XXXX XXXX XXXX We purchased a XXXX XXXX from XXXX XXXX XXXX in XXXX Fl in XXXX of XXXX XXXX and my XXXX  % XXXX veteran cousin who is tax exempt he has that entitlement for being XXXX  % XXXX veteran we had the letter from the VA that stated he was tax exempt and did not pay for any vehicle tax .. XXXX XXXX XXXX would Not honor the XXXX VA benefit. The XXXX contract was financed with XXXX XXXX XXXX  with no money down @ XXXX  % interest rate.. my son had a XXXX XXXX of XXXX so he did me his mom a favor and agreed to sign for the car for me with my veteran cousin it was a done deal with XXXX XXXX XXXX  then XXXX  days later after I had already had the car home and been driving it helping my XXXX Veteran cousin to doctors appointments ect.. 
I was called by XXXX XXXX XXXX saying that they were taking my cousin off the loan and putting me on the loan and we now needed {$3000.00} down im now remembering that we had mentioned that we were receiving a insurance check for {$10000.00} soon right before they signed the XXXX contract.. Technically I was at that time my XXXX veteran cousins caregiver & he paid my car payment so I had a dependable Vehicle to help take care of him.. so me XXXX XXXX XXXX did not a lot of income ..compared to my sons income he worked full time at XXXX and my XXXX veteran cousin income combined was well over {$100000.00}.. I didnt bring the car back immediately because we were all confused by the dealership calling me and threatening me about reporting the car stolen when we had a signed contract in our hands and I called XXXX XXXX XXXX and they said that the contract was fine! So I thought I was just being added to my the loan that was already created with My Son who has a XXXX XXXX of XXXX as the main buyer on The XXXX car deal to help his mom get the car.. oh and I was promised n that they were going to have the car polished to get some scratches out of it.. But as soon as they got the {$3000.00} cash and only my signature on this second contract that I signed out in the lobby and was not read any of the details I was just told to sign as the co-borrower.. 
My son never actually went in and signed a second contract! So after gave {$3000.00} cash and signed the contract to keep my car .. if I did not sign it they said they were going to call the police and report the car stolen..The salesman walked back over to me and said that they were now not going to honor waxing the scratches out!! 
Such bad business and customer service And Disrespecting a XXXX  % XXXX veteran of is tax exempt entitlement. Its just awful. So a few months ago, my factory XXXX warranty and maintenance plan ran out on my XXXX that I have a few months back and I called XXXX XXXX XXXX to see if there was a extended warranty Because I was not explained anything about the contract I sign that was suppose to be like the original contract! Well thats when it got interesting and I went online to the bank Exeter Financing who financed the loan I pulled the contract up and I read the contract they had been charging me over XXXX  % interest and they added a maintenance plan that I did not know about or even need because I The XXXX still had a factory and maintenance warranty plan on it for XXXX years warranty So I wouldnt have purchased a maintenance plan from XXXX!! So when I saw that there was a maintenance plan, I called XXXX about it and guess what they told me it was for maintenance oil, changes etc. but it was EXPIRED!! 
so they sold me a {$990.00} maintenance plan only something I didnt even know about or even need!! when I found out about this maintenance plan that was bought and put in my loan At Over XXXX % interest for the past Almost XXXX  years the XXXX XXXX customer service person told me that it was expired. So I was sold a {$990.00} oil change maintenance plan when the XXXX came with a factory warranty and all oil changes and maintenance was included with XXXX The XXXX maintenance support worker told me to take it up with a dealership I have sent XXXX XXXX XXXX XXXX emails about this issue and no one returns my call or emails Me back!! now since I found out about the interest rate going up XXXX points from the original contract and then adding in {$990.00} maintenance plan to my loan at over XXXX % interest when my sons credit was a XXXX score!! So what XXXX XXXX XXXX did With the threatening to call the police and saying they had to take someone off the loan its called a yo-yo financing scamExeter Finance has also charged so many extra fees I dont know how it is even possible or legal! 
All those things that I read that scam happened to me XXXX XXXX XXXX should be In trouble for what they did with the contracts and changing everything and removing My XXXX  % XXXX Cousin that is tax exempt from the loan and leaving My Son on Who had good credit at the time he went in he had a XXXX XXXX XXXX oh then we asked not to have my sons credit checked more than XXXX  times they ended up running his credit XXXX times and it brought the number down that dealership totally screwed us over everything they did!! 

Desired Outcome/Settlement Desired Settlement :. 
A Refund of {$6000.00} and I wanted to XXXX XXXX XXXX to buy my car back at full price and they need to get this whole loan removed off of my son XXXX XXXX XXXX credit report altogether like it never even existed!! 
and I need to be able to Get a car equivalent to my XXXX XXXX XXXX XXXX premium car.. and have them finance me a vehicle or just let me keep my XXXX XXXX at there expense! 
I paid XXXX years of good on time car payments @ {$600.00} a month to exeter finance. At XXXX  % interest!! Then to find out there fees and interest rate was for a second chance financing car loan when that was not even needed when my son had over a XXXX XXXX XXXX until they ran his Social Security number XXXX times to different banks.. I spoke to XXXX XXXX XXXX and they told me the original loan that was signed was in good standing! 
We were all so confused by what was going on.. just dealing with the stress of life the past XXXX  years I now have a pending Social Security XXXX XXXX XXXX is in the appeal stage.. and I have only been able to make XXXX payments since XXXX of XXXX 
I contacted that Better Business Bureau and they were working on it for XXXX weeks and then I was emailed saying they could not do anything to help because the purchase was done in XXXX even after I spoke with them personally on the phone, they wasted XXXX weeks of my time waiting to see if they were going to help me with this awful car buying and financing ordeal! 
They told me to contact your company consumer financial protection to see if you could help me in anyway to get some justice and compensation from this awful ordeal : This is not an acceptable .. can XXXX XXXX XXXX explain why they added a {$990.00} dollar maintenance plan for oil changes to the second contract that was signed I did not ask for a maintenance plan when the XXXX XXXX with a factory warranty and maintenance plan included with all Jaguars for XXXX  years or up to XXXX miles that is when I called the XXXX XXXX to find out if I had any extended warranty coverage because I did not see any information in my paperwork I still have both original signed contracts and they were changed and I was threatened that if I did not bri g the car back it would be reported stolen and I was made to sign a XXXX XXXX did not come I. And sign the second contract.. I was told by XXXX XXXX XXXX that I they see a maintenance plan for oil changes and basic care but it was actually expired and that I should call the dealership to talk to them about getting my money reimbursed that I need to talk to XXXX XXXX XXXX to get a refund for a maintenance plan that was never used was not needed. Did not want did not ask to Purchase this maintenance plan when I do find out about it it was expired I am wanting to do to settle this disaster car purchase that has made me very upset and truly disappointed that businesses can get away with lying and screwing over customers to make extra money .. its not ok and its not fair!! 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation