Consumer complaint received 2025-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
I am filing a formal complaint against Exeter Finance LLC concerning the wrongful repossession, predatory lending terms, privacy violations, denial of access to property, and unfair business practices associated with my auto loan account. 

Key Issues : 1. Wrongful Repossession & Breach of Peace My vehicle was repossessed on XX/XX/year>, without proper and consistent notice. 
The repossession occurred on private property, violating Alabama law and constituting a breach of peace. 
I was not given a fair or consistent opportunity to redeem the vehicle. 

2. Conflicting & Inflated Redemption Amounts Exeter gave multiple conflicting payoff/redemption amounts ( {$3800.00}, {$4700.00}, {$6700.00}, {$32000.00}, and {$32000.00} ).

They refused to provide any itemized breakdown.

This created confusion and made it impossible to redeem the vehicle, violating my rights under Alabama Code 7-9A-623 and the Truth in Lending Act ( TILA ).

3. Predatory Lending My loan included a 28.95 % APR and over {$31000.00} in finance charges for a vehicle worth {$18000.00} {$19000.00}.

This rate appears unconscionable and predatory, potentially violating federal lending laws and Alabamas usury statutes. 

4. Denied Access to Personal Property I had an appointment with XXXX XXXX XXXX to retrieve my personal belongings. 
I was denied access and told a locksmith was used to gain entry to my vehicle without my consent. 
This violates my rights and adds to the financial/emotional harm caused. 

5. Failure to Provide Notices Exeter claims notices were sent, but I never received them.

I repeatedly confirmed my correct address and still received nothing.

This contradicts legal notice requirements and adds to the procedural unfairness.

6. Ongoing Financial Harm I lost employment due to the repossession and now risk losing a new job offer as I have no transportation. 
I will be submitting proof of my job offer and the fact that I still have the vehicle keys as part of this complaint. 


Pattern of Misconduct : Existing Lawsuits & Investigations I am also aware that Exeter Finance LLC is currently under investigation by multiple state Attorneys General and has been named in ongoing lawsuits and class actions regarding : Unfair repossession practices Predatory subprime auto lending Consumer privacy violations Misleading redemption and payoff practices This further supports that what Ive experienced is not an isolated case but part of a wider pattern of consumer harm. 


What I Am Requesting : Immediate halt of any sale or auction of my vehicle Return of the vehicle to prevent job loss A full explanation and itemized breakdown of all account charges Compensation for lost wages and emotional harm due to Exeters wrongful actions An investigation into their repossession agents breach of peace and denial of property Proper correction and handling of credit reporting A formal response from Exeter that addresses my complaint directly ( not a copy-paste response ) I have already submitted documentation proving that I lost my first job due to the repossession of my vehicle. I now have a new job offer starting soon, which is at risk for the same reason. If Exeter refuses to return the vehicle while this dispute is ongoing, they will be responsible for causing the loss of a second job opportunity. 

That would be two job losses directly tied to their conduct from inconsistent redemption quotes, wrongful repossession, and refusal to allow me to retrieve my vehicle or resolve this matter fairly. 

This is not just a contractual issue its now a matter of livelihood and basic survival. I am a parent, and I need reliable transportation to provide for my family. I am not refusing to pay I am asking for a fair process, the return of my vehicle during this dispute, and a resolution that prevents more irreparable harm.

Company response to consumer: Closed with explanation