This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 1,646 complaints

Exeter Finance, LLC. - Debt Collector Complaint Profile

CFPB complaint profile across 45 states, reputation grade D.

Complaints by issue type

What consumers report about Exeter Finance, LLC.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 57.6/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Exeter Finance, LLC. ranks ahead of 34% of the 5,283 collectors PlainCollector grades - 66% keep a cleaner CFPB record, on 1,646 all-time complaints and a 100% timely-response rate.

34th pct
reputation rank of 5,283 graded collectors
1,646
CFPB complaints, all-time
100%
answered inside the CFPB window
775
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Exeter Finance, LLC.?

Exeter Finance, LLC. has accumulated 1,646 total CFPB complaints across 45 states, with 775 filed in the most recent 12 months against 871 historical complaints before that window. The trailing-12-month volume represents 47.1% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 100% timely-response rate against a 13% consumer-dispute-after-response rate.

Complaints have been recorded across 45 states, led by Georgia with 252 and Texas with 217. Normalized against the full CFPB collector database, the reputation score of 57.6/100 places Exeter Finance, LLC. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

1,646

high-volume (CCDB)

Last 12 months

775

47.1% of all-time complaints

Rising ↑

States active

45

multi-region footprint

Timely response rate

100%

excellent band

Consumer disputes

13%

average (vertical avg ~19%)

Reputation grade

D

57.6/100 composite

How does Exeter Finance, LLC.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

58 34th percentile higher than 34% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Exeter Finance, LLC. versus the debt-collection vertical average.

Timely response within SLA 99.9%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 12.7%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 80.4%

Share of US states + territories with at least one filed complaint against this collector.

How does Exeter Finance, LLC. compare to its peers?

How does Exeter Finance, LLC. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Exeter Finance, LLC. National average
Complaints (last 12 mo)lower is better
775
210
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
13%
16%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-03 2023-12

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 659
Took or threatened to take negative or legal action - 417
False statements or representation - 220
Written notification about debt - 182
Communication tactics - 110
Threatened to contact someone or share information improperly - 24
Electronic communications - 12
Cont'd attempts collect debt not owed - 8
Disclosure verification of debt - 8
Improper contact or sharing of info - 5

Where do complaints against Exeter Finance, LLC. come from?

Exeter Finance, LLC.'s own per-state count, not a national baseline.

Top states by complaints against Exeter Finance, LLC.

Across 45 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Exeter Finance, LLC. contacts you

A grade of D signals how Exeter Finance, LLC.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Exeter Finance, LLC. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Exeter Finance, LLC. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Exeter Finance, LLC.? ▼

The most common issue consumers report about Exeter Finance, LLC. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 1,646 complaints filed with the CFPB.

Are complaints against Exeter Finance, LLC. increasing or decreasing? ▼

Complaints against Exeter Finance, LLC. are rising. The company received 775 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Exeter Finance, LLC.'s reputation grade? ▼

Exeter Finance, LLC. has a reputation grade of D (score: 57.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Exeter Finance, LLC. respond to consumer complaints? ▼

Exeter Finance, LLC. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 13% of cases.

In how many states does Exeter Finance, LLC. operate? ▼

Exeter Finance, LLC. has received CFPB complaints from consumers in 45 states, with the most complaints from Georgia (252 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.