Consumer complaint received 2025-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
XXXX XXXX XXXX Trustee & Registered Owner XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX Phone : XXXX XX/XX/XXXX XXXX Complaint Against Exeter Finance LLC for Unlawful Repossession, Conversion of Trust Property, Breach of Commerce Law, and Constitutional Violations I, XXXX XXXX XXXX, am the Grantor, Trustee, Registered Owner, and Attorney-in-Fact of the XXXX XXXX XXXX Living XXXX XXXX XXXX a private irrevocable trust duly recorded with public records in XXXX XXXX, Georgia XXXX I am submitting this formal complaint against Exeter Finance LLC for the unlawful repossession and subsequent sale of trust property, which includes multiple violations of UCC regulations, trust law, consumer protection statutes, and constitutional protections.

Chronology and Facts of the Case The vehicle in question a XXXX XXXX XXXX XXXX was in the process of being lawfully conveyed into the XXXX XXXX XXXX XXXX XXXX Trust and placed under its protection when Exeter Finance LLC unlawfully seized it. 

My XX/XX/XXXXXXXX account ending in XXXX was automatically closed on XX/XX/XXXX, without any action or authorization on my part. This closure was confirmed by XX/XX/XXXXXXXX, and I possess documented evidence verifying the official account closure date. 

Despite this, Exeter attempted an unauthorized charge on XX/XX/XXXX, which rightfully failed.The only times my XXXX  XXXX XXXX account ending in XXXX was ever used in relation to Exeter were on XX/XX/XXXX ( CO ID : XXXX ) and XX/XX/XXXX ( CO ID : XXXX ). I have documentation confirming these specific transaction dates, and no other authorized activity or payments were made using this account thereafter. This further confirms that the XX/XX/XXXX attempt was unauthorized, fraudulent, and in direct violation of federal and state consumer protection laws. They then claimed they would charge my mothers card for payment, but that transaction was never completed, and no funds were withdrawn. Instead, Exeter unlawfully charged my XX/XX/XXXXXXXX XXXX account ending in XXXX account that had been officially closedwithout my knowledge, consent, or authorization. This constitutes unauthorized access and a fraudulent transaction, in direct violation of multiple federal and state consumer protection laws, including : 15 U.S. Code 1693e ( Electronic Fund Transfer Act ) requiring express authorization for electronic transactions.

15 U.S. Code 45 ( Federal Trade Commission Act ) prohibiting deceptive and unfair business practices.

O.C.G.A. 13-6-11 Georgia State Law on

Bad Faith and unauthorized financial actions. Uniform Commercial Code
4-401 prohibiting payment on unauthorized transactions from customer accounts.

UCC 1-304 obligation of good faith and fair dealing in all transactions.

Charging a closed bank account without valid authorization or contract constitutes fraud, deceptive business practices, and brea

ch of fiduciary and commercial duty. Following these events, I sent Exeter Finance a notarized and cer
tified demand letter pursuant to UCC 9-210, formally requesting the following documentation : The original wet-ink promissory note A complete and accurate chain of title All assignments and documentation establishing a valid and perfected security interest. 
This demand letter was sent via certified mail with tracking, and I have documented evidence, including a screenshot of the USPS tracking information, confirming delivery to Exeter on XX/XX/XXXX XXXX XXXX. 

Exeter Finance LLC never responded. 

Unlawful Repossession and Mishandling On XX/XX/XXXX, my vehicle was unlawfully repossessed without any prior notice, legal standing, or documentation proving their right to enforce or collect on the alleged account. 

Upon contacting Exeter, I spoke with a representative named XXXX, who refused to disclose the name of the towing company or driver involved. I was transferred across multiple departments without resolution and was only permitted to retrieve my personal belongings on XX/XX/XXXX, at XXXX XXXX  the earliest appointment available. 

The vehicle was towed to a location in XXXX, GA, though I reside in XXXX XXXX, GA. I was not informed of the vehicle 's location until the day of the retrieval appointment. 

Violation of Rights and Additional Damages - Incorrect Address on File : Exeter had an outdated address listed ( XXXX XXXX XXXX, XXXX XXXX, XXXX, GA ), despite my current address ( XXXX XXXX XXXX, XXXX XXXX, GA ) being publicly recorded and filed with the XXXX XXXX XXXX as part of my trust documentation. 

- Violation of Religious Freedom : The vehicle contained sacred items vital to my religious practice, and I was preparing for travel to a religious site at the time. The repossession directly interfered with my observance, constituting a violation of my First Amendment rights. 

- XXXX Veteran Impacted : My mother, a documented XXXX veteran and Trustee of her own irrevocable trust, was forced to drive me XXXX minutes in the rain to retrieve my property. This caused her physical pain and emotional stress, compounding the damages suffered. 

Unlawful Sale of the Vehicle Without ever satisfying the requirements of UCC 9-210 or presenting a valid proof of claim or security interest, Exeter sold XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

This action constitutes : - Conversion of trust property - Fraudulent enforcement of a financial claim without standing - Violation of UCC Article 9 and Article 1 ( Good Faith obligations ) - Breach of trust protections and consumer financial protection statutes, including the FDCPA and RESPA Demands and Remedies Sought I respectfully request that your agency initiate a formal investigation into the practices of Exeter Finance LLC and take swift enforcement action. I specifically request : 1. Full restitution for the fair market value of the unlawfully sold vehicle, including damages for conversion and mishandling of trust property.

2. Civil penalties for Exeters failure to respond to a notarized and certified UCC 9-210 request and its disregard for lawful commerce practices. 

3. Compensatory damages for emotional distress, violation of religious freedom, and the undue burden imposed on a XXXX veteran. 

4. A cease-and-desist order prohibiting Exeter from further attempts to collect, misrepresent, or interfere with this matter without lawful documentation.

5. A review of Exeters internal practices to protect other private citizens, consumers, and trustees from similar unlawful actions. 

Supporting Documentation Available Upon Request - Certified and notarized UCC 9-210 Request - Confirmation of XXXX XXXX XXXX account closure - Call recordings and transcripts with Exeter - Trust documents and publicly recorded address - Evidence of religious interference and sacred items - XXXX veteran documentation ( mother ) - Vehicle details, timeline, and sale confirmation - Confirmation of my Mother 's XXXX bank account not being charged I operate fully in commerce and in honor. Exeter Finance LLCs actions have not only caused me financial and emotional harm but have also violated the sacred protections of trust law, UCC commercial obligations, and fundamental constitutional rights.

I respectfully demand immediate redress and corrective action. 

Sincerely, XXXX XXXX XXXX XXXX, Trustee, Registered Owner, Attorney-in-Fact XXXX XXXX XXXX Living XXXX XXXX

Company response to consumer: Closed with explanation