Consumer complaint received 2025-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I am requesting a vehicle contract rescission, as i do KNOW numerous violations occured while dealing with XXXX XXXX XXXX  XXXX ( XXXX ). I had went to XXXX to purchase a new vehicle, at the time I owned a paid off XXXX XXXX XXXX which I traded in at XXXX. Originally i purchased a XXXX XXXX, to which upon immediately pulling off the lot with the vehicle a engine light turned on. I immediately contacted the sales/finance manager at XXXX  and notified them of what occured & immediately requested to cancel the contract i had just signed, seeing as they offer a 5 day gurantee, they stated my XXXX  was no longer an option it had already been sent off to sales even tho it had not been more than XXXX, i requested to speak to upper management requesting to be treated in good faith and was advised my guarantee day would be extended past the XXXX, however no flat cancel could be provided. I now coercively look at a XXXX XXXX to which I test drove alongside the Sales manager, as we drove about XXXX or XXXX miles away the XXXX immediately started making engine Noises as if rocks were being thrown at the engine or as if it was popping inside. The sales manager immediately advised me to cut the test drive short and return to the dealership to which he asked me upon return to park the vehicle in a certain area and requested the vehicle to be sent back to be checked out because it was unsafe to be sold. At this point I am now Terrified of purchasing any vehicle what so ever I once again request to be returned my original vehicle, I requested to amicably resolve the issue and stated that these actions where unlawful and that I felt that I was not being treated fairly, while my life is being put at risk and in direct violation of XXXX subject to an implied warranty of merchantability. I was at this point now guided to the XXXX XXXX XXXX main manager which his name was XXXX, XXXX stated he could not return my vehicle however he specifically suggested a vehicle which is now the vehicle subject to rescission the XXXX XXXX XXXX, he stated the vehicle was under warranty and that if there was to be any issues the warranty would give me peace of mind.. again feeling coerced and cornered and undue influence I agreed to see take the vehicle seeing as it was late ( XXXX ) they did not offer a test drive on the XXXX XXXX, they stated XXXX the original finance manager who was assisting was gone for the day but stated they had a brand new finance manager who had just started that was here and could assist me with my closing for the XXXX. We then proceeded with the retail installment of the XXXX under high duress, that night the finance manager was uninformative & lacked telling me certain information seeing as he was new as if it truly was his XXXX day. Immediately after signing all paper work electronically, I waited for the email to receive my contract. the Finance Manager at the time stated he was new and still learning the system but that I should be receiving it. As I now drive off the lot with a XXXX vehicle from XXXX XXXX XXXX XXXXXXXX I immediately notice upon nearing an intersection that the vehicle had absolutely no brakes or rotors, so I was now once again sold a faulty unkept and life threatening conditions of a vehicle from the dealership. To which I once again immediately notified and was advised I could sign a form in order for them to repair the brakes and rooters which seemed very explosive and unlawful. The following day came and I still had not received my retail installment.. I had to request my contract 3 times before I was able to finally receive. a copy even tho as a consumer I am due one upon consummation of the transaction which is a direct violation of TILA REGULATION Z. About a month later I am notified that XXXX XXXX XXXX filed for bankruptcy however they as stated lien holders on my vehicle. I have validated with XXXX that they are no longer active with FL XXXX please see all attached proof of stated events as well as documented conversations

Company response to consumer: Closed with explanation