Consumer complaint received 2026-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: CT

Complaint narrative:
This complaint relates to XXXX prior CFPB complaints that currently remain unresolved. The filed case numbers are XXXX and XXXX. 
XXXX prior complaint is in concern to inaccurate credit reporting by Exeter  XXXX related to a payment that was approved for deferment but later reported as late and noted the account as 'Delinquent ' with credit bureaus. The second prior complaint concerns a loan settlement and payoff balance dispute, including the amount Exeter XXXX claims is owed relative to the original loan amount and the payment history over the life of the loan. 
While these regulatory complaints remain pending, I contacted Exeter XXXX to request a XX/XX/XXXX payment deferment or temporary accommodation in order to prevent additional harm while the disputes are under regulatory review. This request was denied by customer service, despite the unresolved CFPB matters and the ongoing dispute regarding both credit reporting accuracy and the settlement/payoff balance. Disputes with the XXXX major credit bureaus ( XXXX XXXX XXXX XXXX  ) have also been filed. 

On XX/XX/XXXX, I was contacted by the XXXX XXXX XXXX XXXX XXXX Exeter XXXX, who indicated that they were " working on '' my CFPB complaints and prior correspondence to which I previously did not receive feedback from Exeter XXXX until the XXXX  CFPB complaint was generated and Sent to the Company, in addition to a Certified Mail letter with Return Receipt. However, I was not provided any direct contact information, return phone number, or means to respond or follow up, and no resolution, accommodation, or timeline was offered. The phone number the XXXX XXXX XXXX XXXX XXXX Exeter XXXX contacted me from routes consumers back to Customer Service, not their direct office, this phone number is XXXX. As of the date of this complaint, the issues raised in my prior CFPB complaints remain unresolved, and I continue to face ongoing payment and credit reporting risk despite Exeter 's XXXX awareness of these disputes. 

As a result, I am being forced to either : Make payments Under Protest while disputing the accuracy of the account status and settlement balance, Or Risk additional late reporting and credit damage during an Active Regulatory Dispute. 

As of XX/XX/XXXX, my account reflects {$420.00} in Outstanding Accrued Interest. While my required monthly payment is {$330.00}. As a result, the full XXXX payment would be applied in its entirety to interest and would not reduce its principal. Requiring payment under these circumstances, while account servicing, credit reporting, and settlement terms remain disputes causes continued financial harm without advancing resolution of the underlying issues. 

Additionally, the vehicle securing this loan is currently not safely drivable. The vehicle as previously mentioned to Exeter XXXX has persistent overheating issues and a continuous check engine light, creating a risk of engine damage if operated. This substantially limits the vehicle 's usability and value. This is directly relevant to the ongoing settlement and payoff discussion as continued payments are being demanded for a vehicle that can not be safely used. 

Further, upon further review, my account history reflects a Recurring Pattern of Full Payment Reversals followed by Re-Posting including on : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These reversals were not initiated by me and were accompanied by Late Fee Assessments and Subsequent Waivers as well as inconsistent application of Principal and Interest. Although payments were later re-posted, these sequences resulted in Temporary Balance Increases, Fee Activity, and Uncertainty regarding how payments were applied, raising Serious Concerns about Accuracy and the reliability of any credit reporting associated with these periods. 

I am further requesting that Exeter XXXX : Provide temporary payment accommodation, or non-reporting while CFPB complaints are pending. Refrain from any additional negative credit reporting related to disputed periods. Ensure that all credit reporting accurately reflects the account history, including prior deferments. Conduct an XXXX and Compliance Level review of my account including payment posting, fee assessment, and the settlement/payoff balance, rather than routing this matter solely through standardized customer service channels as I currently have not been provided access to contact beyond these standard channels of contact despite the phone call received on XX/XX/XXXX from the XXXX XXXX XXXX Exeter XXXX XXXX 

Exeter XXXX and its customer service agents are aware of the active CFPB disputes including those related to credit reporting, servicing accuracy, and loan settlement. Yet has chosen at this time to decline to take reasonable steps to prevent additional consumer harm while these matters are under regulatory review. I requested that the customer service agents note on my account that I was in protest of this due to these reasons stated in this complaint. This complaint is submitted to document continued conduct occurring after regulatory escalation, NOT to duplicate prior submissions.

Company response to consumer: Closed with explanation