Consumer complaint received 2025-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
b'I am submitting this updated complaint against Exeter Finance due to ongoing issues with the misapplication of my auto loan payments, and now I am providing newly gathered bank statements that support my claims.\XXXXSeveral of my loan payments werXXXXMarked as reversed or non-sufficient funds by ExeterXXXXDespite the fact that the funds were available and the payments cleared from my bank accountXXXXThese entries appear as: Payment Received followed immediately by Payment Reversed  without any valid explanation or corresponding issue from my bankXXXXExeters inaccurate application of my payments hasXXXXCreated false delinquencies on my accountXXXXTriggered late fees and interestXXXXDamaged my credit report and standingXXXX am now including bank statements showing proof of payment for the periods in question. The deposits and debits align with the payment dates shown in Exeters portal  clearly disproving their XXXX/reversal claims. These documents were not part of my original complaint and represent new, concrete evidence that Exeter misreported and misapplied valid paymentsXXXX  previously attempted to address this directly with Exeter and submitted earlier complaints, but the issues remain unresolved and have worsened over timeXXXXBelow is an accurate list of all payment payments made that directly or supported by bank statements, despite the false payment history Exeter claims.XXXXHeres a breakdownXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No payment dueXXXX XXXX XXXX XXXX XXXX XXXX XXXX  not on statements, later reversed, XXXX XXXX added\XXXX XXXX XXXX  not on statements, later reversed, XXXX XXXX  addedXXXX XXXX XXXX not on statements, later reversed, XXXX XXXX addedXXXXAccount moved to XXXX XXXX XXXX XXXX XXXX  Closed XXXX XXXX  Last activity in XXXX  account XXXX XXXX XXXX  - Payment deferred for XXXX paymentXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX paidXXXX XXXX XXXX is due, not paid until XXXX XXXX XXXX   Paid early for XXXX payment. XXXX payment up to date.XXXX XXXX XXXX XXXX remaining for XXXX paymentXXXX XXXX XXXX  Paid towards XXXXXXXX XXXX payment up to date, XXXXXXXX  rolls into XXXX  payment; XXXX remaining due.XXXX XXXX XXXX  Paid towards XXXX  payment. XXXX balance due of XXXX December balance of XXXX rolls into balance due totaling XXXX XXXX XXXX XXXX remains for XXXX  payment.XXXX XXXX XXXX XXXX remains for balance past due.XXXX XXXX XXXX XXXX left to roll over into next payment, now currentXXXX XXXX Scheduled payment deferredXXXX XXXX XXXX and XXXX payment recorded and several fees added to loan. No payments for this date that were recorded reflect on bank statementsXXXX  due  XXXX overpayment disappears, unless this is fees (not taking fees into account to make sense of actual payments). XXXX owedXXXX XXXX XXXX XXXX remainsXXXX XXXX  added for XXXX XXXX XXXX XXXX remains as due, XXXX  added for XXXX. Balance owed now XXXX XXXX XXXX not on statements, later reversed; fees addedXXXX XXXX XXXX XXXX remains, XXXX  added for XXXX. New balance owed now XXXX XXXX XXXX XXXX actual balance owed according to statementsXXXX XXXX XXXX made by XXXX  XXXXXXXX XXXX remains in good standingXXXX XXXX XXXX made by XXXX XXXX Now overpaid up to XXXXAll payments up to date (Exeter applies the payments early. XXXX  paid balance to XXXX). Overpaid up to XXXX XXXX XXXX XXXX is due. XXXX should remainXXXX XXXX XXXX  early for XXXX XXXX XXXX XXXX XXXX XXXX should be applied aheadXXXX - XXXX XXXX XXXX  Up to date. XXXX  still remainsXXXX XXXX XXXX XXXX XXXX  Up to date. XXXX  still remainsXXXX XXXX XXXX XXXX XXXX XXXX XXXX = XXXX  But XXXX still remains.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remaining due for XXXX  (if excluding XXXX XXXX XXXX XXXX XXXX  paid ahead. Plus XXXX XXXX XXXX XXXX XXXX  up to date for XXXX payment.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ahead according to bank records.XXXX XXXX No payment made. None due. XXXX  rolls over to XXXX XXXX XXXX XXXX XXXX XXXX XXXX in good standingXXXX  - Scheduled payment deferred. ????XXXX XXXX XXXX XXXX would be XXXXXXXX  remaining according to Exeter record, but where is the XXXX XXXX XXXX XXXX rolls over as due.XXXX XXXX XXXX XXXX as due per ExeterXXXX XXXX XXXX XXXX as due per Exeter.XXXX XXXX XXXX XXXX per ExeterXXXX  Would add XXXX no payment made XXXX XXXX per Exeter.XXXX XXXX XXXX XXXX due per Exeter.XXXX XXXX XXXX XXXX due per ExeterXXXX  - Scheduled payment deferred. So nothing due for XXXX  or XXXX as was deferred  keeping in mind payments still madeXXXX XXXX XXXX XXXX XXXX - Scheduled payment deferred.XXXX XXXX XXXXSo, where is the XXXX paid for XXXX  and XXXX  (that was deferred) go? Plus the XXXX  that is not adding up? When deferred payments are taken into consideration and with bank statements, thats XXXX missing  not considering Exeters added fees, as most are not even supposed to be addedXXXX XXXX XXXX paid  XXXX  left\XXXX XXXX XXXX paid ahead  XXXX left still missing XXXX - No payment made, as XXXX was paid ahead, so nothing due. Now missing XXXX XXXX XXXX XXXX rolls over into XXXX payment from previous overpay, now making balance owed XXXX XXXX XXXX payment due and not paid. Balance owed is now supposed to reflect XXXX  that is not including the still missing XXXXWhat is Exeter doing with the extra funds that were applied to my account? Why does Exeter reverse payments that were deferred? Why is Exeter also adding these payments to the end of my loan? Why does Exeter claim payments as received when they never came out of my account? Why after big payments are made does Exeter start misapplying payments more? If Exeter is known for this why havent they been held accountable. Why can Exeter clearly cause consumer harm but yet still do shady and fraudulent business practices?'

Company response to consumer: Closed with explanation