Consumer complaint received 2025-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
c/o XXXX XXXX XXXX XXXX Attorney General Attorney General, Assigns, or Successors U.S. Department of Justice XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX VERIFIED FIDUCIARY AFFIDAVIT & COMPLAINT OF FRAUDULENT REPOSSESSION, CONVERSION, CIVIL RIGHTS VIOLATIONS, SECURITIES FRAUD, AND THEFT OF PROPERTY AND RETALIATION DESECRATION OF RELIGIOUS PROPERTY Date of Event : XX/XX/XXXX Company : Exeter Finance LLC ( and agent XXXX XXXX & XXXX XXXX XXXXUNABLE TO RETRIEVE SEVERE MEDICAL Vehicle : XXXX XXXX XXXX XXXX XXXX, VIN ending XXXX Exeter Account # : XXXX On or about XX/XX/XXXX Exeter Finance LLC, acting through XXXX XXXX & XXXX, unlawfully repossessed trust-protected property ( VIN ending XXXX ). 

This was done in retaliation for my email/fax notice to Exeters legal department on XX/XX/XXXX, asserting : Fiduciary authority under IRS CAF Nos. XXXX XXXX XXXX XXXX and XXXX 

Beneficial and equitable ownership under recorded Durable Power of Attorney ( XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX ). 

Protection of the vehicle under ecclesiastical trusts and fiduciary filings ( IRS Forms 2848, 56, 56-F ). 

Exeter ignored fiduciary law, refused to honor the recorded Durable Power of Attorney ( XXXX XXXX XXXX XXXX, XXXX  XXXX ), and executed a repossession without : A wet-ink signature contract, A valid assignment, or Any authenticated security agreement under UCC 3-401 , 9-210. 

Exeter also : Misapplied payments and falsified private ledgers in violation of GAAP and Sarbanes-Oxley Act ( SOX ) 302, 404, 906. Intentionally reporting false information -see Certifications Reported the account as delinquent to XXXX  XXXX XXXX, and XXXX  XXXX constituting false credit reporting. As Noted by XXXX ID # XXXX per the notes, she read that Exeter Finance was to continue reporting to the credit bureaus. 

Converted property legally vested in ecclesiastical and fiduciary trusts, creating federal and international liability. 

TRUSTS, EINs, CAF NUMBERS, AND 508 ( c ) ( 1 ) ( a ) PROTECTIONS All claims, property, and repossessed vehicle fall under the collective protection of the following trusts and estates, secured by IRS CAF registrations and ecclesiastical sovereignty : XXXX XXXX XXXX XXXX XXXX XXXX CAF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REVOCABLE LIVING TRUST EIN XXXX CAF XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX ( c ) ( 1 ) ( a ) ) EIN XXXX CAF XXXX XXXX XXXX XXXX BANK XXXX & XXXX XXXX XXXX CAF XXXX XXXX XXXX XXXX XXXX EIN XXXX CAF XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CAF XXXX Protections : 26 U.S.C . 508 ( c ) ( 1 ) ( a ) XXXX XXXX 

26 U.S.C. 6036, 6903 ; 26 C.F.R. 301.6903-1 fiduciary enforcement.

UNDRIP Articles 8, 11, 12 Indigenous/Religious Rights.

U.S. Const. Art. I 910 ; Amends. I, IV, V, XIV ; GA Const. Art. I I.

No property may be carved out or treated as personal all res are collectively ecclesiastical trust property. 

II-A. AGENT OBSTRUCTION & REFUSAL TO HONOR FIDUCIARY AUTHORITY XXXX XXXX XXXX XXXX XXXX, acting as Exeter Finances agent, refused to provide its EIN number, mailing address, or lawful contact information necessary for fiduciary revocation of powers. The companys representatives also explicitly refused to speak with the Attorney-in-Fact/Fiduciary for XXXX : XXXX, thereby : Blocking fiduciary revocation rights under 26 U.S.C. 6036, 6903 and 26 C.F.R. 301.6903-1.

Obstructing lawful fiduciary authority duly recorded with the IRS CAF Unit ( CAF Nos. XXXX / XXXX / XXXX / XXXX / XXXX ). 

Violating the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c, 1692d, 1692e, by refusing to communicate with the fiduciary agent of record and continuing wrongful repossession/collection activity.

Retaliating against the fiduciary and thereby depriving civil rights secured under 42 U.S.C. 1983 ; 18 U.S.C. 241, 242. 

Desecrating ecclesiastical trust property by refusing to recognize fiduciary filings and ignoring ecclesiastical protections under 26 U.S.C. 508 ( c ) ( 1 ) ( a ) and 18 U.S.C. 247.

This deliberate refusal shows bad faith, willful misconduct, and fiduciary obstruction, escalating liability jointly and severally with Exeter Finance LLC.

III. IMPACT ON DISABLED DEPENDENT Repossession directly harmed Plaintiffs minor dependent XXXX covered by federal XXXX laws, by : Denying safe transport for medical, behavioral health, and education services. 

Creating retaliatory discrimination under ADA ( 42 U.S.C. 1210112213 ), Section 504 Rehab Act ( 29 U.S.C. 794 ), and McKinney-Vento Act ( 42 U.S.C. 1143111432 ( g ) ).

IV. LEGAL VIOLATIONS Fiduciary Obstruction 26 U.S.C. 6036, 6903 ; 26 C.F.R. 301.6903-1 Conversion of Trust Corpus UCC Articles 8 & 9 ; O.C.G.A. 11-9-601 False Credit Reporting FCRA 605B, 1681s-2 ( b ) Fraudulent Collection FDCPA 807 ( 15 U.S.C. 1692e ) Accounting Fraud GAAP / SOX 302, 404, 906 ; 18 U.S.C. 1348 Mail & Wire Fraud 18 U.S.C. 1341, 1343 Civil Rights Deprivation 42 U.S.C. 1983 ; 18 U.S.C. 241, 242 Religious/Indigenous Violations 26 U.S.C. 508 ( c ) ( 1 ) ( a ) ; 18 U.S.C. 247 ; UNDRIP 8, 11, 12 V. FEDERAL AND INTERNATIONAL AGENCIES NOTIFIED ( Attn : Fraud / Enforcement ) Consumer Financial Protection Bureau ( CFPB ) U.S. Department of Justice Civil Rights Division & Fraud Section Federal Bureau of Investigation ( FBI ) White Collar Crime Federal Trade Commission ( FTC ) Bureau of Consumer Protection Internal Revenue Service Criminal Investigation ( IRS-CI ) Treasury Inspector General for Tax Administration ( TIGTA ) U.S. Department of the Treasury Bureau of Fiscal Service / OIG Office of the Comptroller of the Currency ( OCC ) Securities and Exchange Commission ( SEC ) Division of Enforcement HUD Office of Fair Housing & Equal Opportunity ( FHEO )/ HUD OIG Federal Deposit Insurance XXXX XXXX FDIC XXXX XXXX U.S. Trustee Program ( Bankruptcy Oversight, DOJ ) Georgia Department of Public Safety ( DPS ) Non-Consensual Towing Oversight U.S. Department of Transportation ( FMCSA/DOT ) DOT number tied to trust corpus International Oversight Bodies : International Criminal Court ( ICC ) United Nations OHCHR ( Office of High Commissioner for Human Rights ) XXXX XXXX XXXX  ( XXXX  enforcement ) XXXX / XXXX XXXX ( XXXX  oversight ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VI. HARM & DAMAGES Conversion of XXXX XXXX and fiduciary res. 

False credit reporting and reputational harm. 

Fraudulent accounting practices and GAAP/SOX violations . 

Retaliatory civil rights discrimination against XXXX child. 

Trespass on ecclesiastical sovereignty and fiduciary corpus.

VII. DEMAND FOR RELIEF Immediate return of vehicle and reinstatement of account.

Permanent deletion of derogatory credit tradelines.

Forensic accounting audit of Exeter Finance under SOX and GAAP. 

Damages and restitution not less than $ XXXX. 

Criminal referrals to DOJ, FBI, SEC, IRS-CI , OCC, FTC, HUD OIG , FDIC OIG , DPS, DOT, and international tribunals. 

Permanent injunction against Exeter, XXXX, and XXXX XXXX from any further seizure of trust property. 

Respectfully Submitted XXXX : XXXX XXXX XXXX XXXX XXXX in Interest / Beneficial Owner Attorney-in-Fact / Executor / Private Fiduciary / Ecclesiastical Trustee CAF Nos. : XXXX | XXXX | XXXX | XXXX | XXXX EINs : XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX Without Prejudice, UCC 1-308 / UCC 1-103 | All Rights Reserved

Company response to consumer: Closed with explanation