Exeter Finance Corp Consumer Loan Complaint

Exeter Finance Corp Consumer Loan department,

Vehicle loan Managing the loan or lease Georgia

Back in - I was made aware that Exeter Finance Corp reported my account delinquent 30 days or more past due for my - & - 2015 payment. I called and spoke with a CSR and through that conversation realized that they were missing a payment that I made. I was told that I need to send documentation of the payment being cleared. Within a week I sent in my bank statement showing the payment was made with my debit card and cleared. I continued to follow up on the status of the update for weeks and was unsuccessful. Thirty days past and finally I decided to report the company to the - and I filed a complaint. After a couple back and fourth responses the company applied my missing payment to my Exeter Finance Account. As I was going through that ordeal the company again reported my account past due for - & - although I made my payment for - was granted a three month extension for -, - and - ( which I later found out was not true, I was only granted a two month extension therefore the CSR provided me false information ). I called


was there sufficient funds for the payment to have cleared the account, my bank has provided me with a letter stating that there was no attempt that came through from Exeter Finance to obtain payment. I repeatedly ask for Exeter to update my credit file as to not being past due because again as with my misapplied payment that caused this issue from the beginning there was clearly an issue processing my - payment as well. I have been unsuccessful in getting this issue rectified. It is simply not fair that a company can make a mistake no fault to the consumer and there is nothing that the consumer can do to protect their credit history. I have actual documentation, all I have heard from them are words filled with inaccuracy but they have yet to provide me with the information of what account number they allegedly attempted to process my payment. It could have been a case of system or human error that process the wrong information, however that is no fault to me the consumer and I should not have to reap the negative consequence of it. I have the responses made from the company Exeter through the - that are filled with errors of information of what took place and dates as well. I simply want the company to retract the reporting of - - payment being over 30 days past due. They have made several errors and this has gone way too far at this point with no resolution. In addition to all of this, after requesting a ledger of statement account of my payment history, it took the company over 45 days to send it to me. That was just unacceptable.