Consumer complaint received 2025-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
XXXX, I, XXXX XXXX XXXX, XXXX, contacted XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX purchase a XXXX XXXX 2023 XXXX XXXX. 
There I met a salesman named XXXX, who, having taken my contact information, contacted the bank ( which I do not know ), XXXX informed me that I was approved for a loan subject XXXX the purchase of additional services in the amount of XXXX XXXX dollars, indirectly under the bank 's terms ( hereinafter Additional Service Name/Price ) XXXX  XXXX, Appearance XXXX, P/P paintless dent XXXX, XXXX & Catalytic THeft XXXX, extra XXXX XXXX Dollars XXXX In total, XXXX XXXX dollars, that is, the entire amount of my down payment for the car. 
Negotiations with a representative of the XXXX car dealer were recorded by me ( audio recording the audio recording will be provided in Russian ) and he was repeatedly informed that there could be no such requirement from the bank, I am not interested in it and it is not in my interest, to which the seller continued XXXX  create psychological pressure on me, saying that without such services I would not be issued a loan. 
Based on the fact that the law provides only a mandatory fee for registering a car XXXX  obtaining permits, my consumer rights were violated, XXXX the seller exceeded the limits of his official duties XXXX violated the terms of the law. 
We signed the documents in electronic form, after signing the documents I was refused copies. " You will now sign all the documents, scan them XXXX  go home with copies. '' I was not given copies in order XXXX create obstacles between me and the representatives of such additional services, namely, providing information about them, the essence of the contracts, company names and phone numbers. Thus, I could inform them about the illegality of the provision of services, but I have XXXX  contact the representative again XXXX clarify the situation for me. 
I believe that my legitimate interests as a party XXXX the contract between the car dealer XXXX third parties were violated, since I was deprived of any opportunity XXXX defend my rights as a party XXXX the contract. 
During the conversation I recorded, the representative was told that additional services are not in my interests XXXX, to which he stated that he could not remove additional services, the reason is that with this bank either I take services or they refuse XXXX provide services : " ... or you don't take AT ALL '' ( XXXX ). ( we are talking about the contract ). Thus, psychological pressure was exerted on me while reviewing the documents. 
I also believe that such actions by an employee of the car dealer fall under the criminal law on extortion. 
" ... Look, if you don't want it, I can XXXX percent cancel it and we'll go our separate ways. - I want the car, that's not the question. 
- I told you, in XXXX months you'll call me, we'll cancel it XXXX your credit will drop XXXX XXXX, if you don't want XXXX keep the guarantee, if something happens XXXX your car XXXX  your engine breaks down, what are you going XXXX  do? Will you find someone who speaks XXXX?

Company response to consumer: Closed with explanation