Consumer complaint received 2025-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
I have {$33.00} due on XX/XX/XXXX to be 30 days past due. Exeter called me today for 30 minutes ( mind you, 45 minutes before XXXX  ) to tell me a bunch of incorrect account information, and defer me to past payments, that were paid for, and called them " late. '' They concluded my account was 45 days past due with an amount {$290.00}, with no recollection of the accounts history. I took an extension for the month of XX/XX/XXXX ( account must be current for this ), where the next payment would be billing for XX/XX/XXXX, and the CSR told me this was for XX/XX/XXXX incorrectly, and then continued to state that my account was so past due, that my payments were over 2 months behind prior to this event. When we went over the history, all the way back to XX/XX/XXXX the were no missed payments past 30 days, and the CSR immediately deferred to the late fees to stir the pot and start an aggressive conversation about how current the account was. Once I finally found the extension document for XX/XX/XXXX, and told the CSR about the incorrect account information they told me, they put me on hold, and continued to speak about the late fees. I'm not sure where the past due date comes from. From my calculations through XX/XX/XXXX I am {$33.00} past due for the XXXX XXXX, XXXX payment. I've pasted a copy of the statement for intensive purposes. Given my account was current on XX/XX/XXXX, with two ( 2 ) XX/XX/XXXX payments for {$150.00} & {$100.00}, leaving {$110.00} past due ; The {$180.00} on XXXX XXXX, XXXX, paying late in full for XX/XX/XXXX, leaving {$290.00} left due XXXX XXXX, XXXX. {$180.00} on XXXX XXXX, XXXX ; leaving {$100.00} overdue for XX/XX/XXXX ; {$120.00} on XX/XX/XXXX, paying late in full for XX/XX/XXXX, leaving XXXX due XX/XX/XXXX. Therefore, at 15 days past due, I received this aggressive call, I will attach to the complaint in partial, for over 30 minutes of my time of night on a XXXX XXXX ( XX/XX/XXXX ). My Account is showing that I am {$440.00} past due ( {$82.00} overdue ), and I will attach a screenshot this reflection, but I'm not seeing where this number is coming from, in doing the math here for myself, if the account was current to attain an extension on XX/XX/XXXX. I'm not arguing my payments have been late, I am simply arguing, once again, that the balance is incorrect within their system, as I pointed out in a prior complaint. Please review these receipts, and payments, and resolve this issue as soon as you can. 

I've attached the recording via XXXX XXXX, since the file is over the XXXX limit. Link and relevant photo confirmation attached. 

Recording Link : https : XXXX XXXX SCHEDULE DATE PROCESSED DATE TRANSACTION TYPE AMOUNT CONFIRMATION XXXX XXXX XXXX XXXX  XX/XX/XXXX Fee Assessed {$20.00} XX/XX/XXXX XX/XX/XXXX Payment Received- {$120.00} XXXX XX/XX/XXXX XX/XX/XXXX Payment Received- {$180.00} XXXX XX/XX/XXXX XX/XX/XXXX Fee Assessed {$20.00} XX/XX/XXXX XX/XX/XXXX Payment Reversed {$180.00} XXXX XX/XX/XXXX XX/XX/XXXX Payment Received- {$180.00} XXXX XX/XX/XXXX XX/XX/XXXX Fee Assessed {$20.00} XX/XX/XXXX XX/XX/XXXX Fee Assessed {$20.00} XX/XX/XXXX XX/XX/XXXX Payment Reversed {$180.00} XXXX XX/XX/XXXX XX/XX/XXXX Payment Received- {$180.00} XXXX XX/XX/XXXX XX/XX/XXXX Payment Received- {$180.00} XXXX XX/XX/XXXX XX/XX/XXXX Fee Assessed {$20.00} XX/XX/XXXX XX/XX/XXXX Payment Received- {$150.00} XXXX XX/XX/XXXX XX/XX/XXXX Payment Received- {$100.00} XXXX XX/XX/XXXX XX/XX/XXXX Fee Waived- {$20.00} XX/XX/XXXX XX/XX/XXXX Payment Reversed {$100.00} XX/XX/XXXX XX/XX/XXXX Payment Reversed {$150.00} XX/XX/XXXX XX/XX/XXXX Payment Received- {$150.00} XXXX XX/XX/XXXX XX/XX/XXXX Payment Received- {$100.00} XXXX XX/XX/XXXX XX/XX/XXXX Fee Assessed {$20.00} XX/XX/XXXX XX/XX/XXXX Payment Reversed {$140.00} XXXX XX/XX/XXXX XX/XX/XXXX Payment Received- {$140.00} XXXX XX/XX/XXXX XX/XX/XXXX Fee Assessed {$20.00} XX/XX/XXXX XX/XX/XXXX Payment Received- {$220.00} XXXX XX/XX/XXXX XX/XX/XXXX Payment Received- {$160.00} XXXX XX/XX/XXXX XX/XX/XXXX Fee Assessed {$20.00} XX/XX/XXXX XX/XX/XXXX Payment Received- {$200.00} XXXX XX/XX/XXXX XX/XX/XXXX Fee Assessed {$20.00} XX/XX/XXXX XX/XX/XXXX Payment Received- {$160.00} XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Payment Received- {$200.00} XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Payment Received- {$20.00} XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Payment Received- {$340.00} XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Fee Assessed {$20.00}

Company response to consumer: Closed with explanation