J. D. Byrider & CNAC(Car Now Acceptance Company)

In the case of [redacted] , we have reviewed this matter with the full cooperation of the J.DByrider/CNAC franchise in question Ms [redacted] is upset regarding her previous account As a result, she would like a refund or the vehicle returned to herMs [redacted] purchased a [redacted] on September 8, from the J.DByrider franchise located in Joliet, ILAfter purchasing, she becamedelinquenton her first contractual bi-weekly payment After unsuccessfully attempting to bring the account current and with no definitive payment arrangements, CNAC deemed the vehicle eligible for repossession J.DByrider strives to achieve the satisfaction of each and every customer The J.DByrider/CNAC franchise was sorry to learn of Ms [redacted] ’ dissatisfaction as expressed in her complaint to your office Nevertheless, they are unable to provide her with a refund, as she hadfullaccessto thevehicle until repossessionGiven the circumstances, CNAC chose to release Ms [redacted] from her contractual obligations The J.DByrider/CNAC franchise appreciated herbusiness, and wishesher all of the best in her future endeavors

Initial Business Response / [redacted] (1000, 5, 2015/04/16) */ Contact Name and Title: Customer Service Contact Email: [redacted] @ [redacted] .com In the case of [redacted] , we have reviewed this matter with the full cooperation of the company-owned [redacted] in question. Ms. [redacted] is... upset regarding her account. As a result, she would like to be let out of her contract. Ms. [redacted] purchased a 2006 [redacted] on February 26, 2015 from the company-owned [redacted] located in [redacted] Account notes show that Ms. [redacted] became delinquent with her agreed upon payment schedule. In the event that a customer becomes delinquent, [redacted] will call the customer at their primary phone number to remind them of the missed payment. If the customer is unreachable at their primary number, [redacted] will utilize the remaining contact numbers in an attempt to get a message to the customer and establish a line of communication. Please understand that it is the goal of [redacted] to help customers successfully maintain their account through consistent, on-time payments. The company-owned [redacted] apologizes if Ms. [redacted] felt these calls were unnecessary, however, these calls were only made in an attempt to assist Ms. [redacted] with her account. The company-owned [redacted] abides by all state and federal regulations, and denies any wrongdoing in their collection practices. [redacted] Byrider strives to achieve the satisfaction of each and every customer. The company-owned [redacted] was sorry to learn of Ms. [redacted] 's dissatisfaction as expressed in her complaint to your office. Nevertheless, the company-owned [redacted] is unable to adhere to Ms. [redacted] 's requested resolution to let her out of her contract. The company-owned [redacted] will continue to accommodate Ms. [redacted] to the best of their abilities, and hopes to move forward amicably in their relationship with her. Thanks, [redacted] Customer Service Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/04/17) */ (The consumer indicated he/she DID NOT accept the response from the business.) I just need my payment date changed by 2 days so my payments don't continuously seem like they are late. Like I stated above I recently changed jobs Final Business Response / [redacted] (4000, 9, 2015/04/17) */ At this time, it is recommended that Ms. [redacted] contact [redacted] management directly at XXX-XXX-XXXX to discuss her account. Thanks, [redacted] Customer Service Final Consumer Response / [redacted] (4200, 11, 2015/04/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) I did that and they said they were unable to change payment date threatened to repo my car once more. People were very rude I don't understand why my payment date can't be changed by 2 days. Maybe I should just contact an attorney. This is all just beyond ridiculous to me

Please find enclosed the response for Quiana [redacted] If you have any questions feel free to email me or call me directly at 317-249- Thanks, Chris [redacted] J.DByrider Systems In the case of Quiana [redacted] , we have reviewed this matter with the full cooperation of the J.D Byrider/CNAC franchise in question Ms [redacted] was upset regarding her previous account Please note that since filing the complaint, this matter has been resolved Lovely [redacted] purchased a Jeep Compass Sport on September 15, from the J.DByrider franchise located Joliet, IL Quiana [redacted] was listed as the co-buyer on the account Per management, Ms [redacted] and Ms [redacted] executed a mutual release on December 15, The agreement effectively released both parties from any further claims related to the transactionJ.DByrider strives to achieve the satisfaction of each and every customer The J.DByrider/CNAC franchise was sorry to learn of Ms [redacted] ’s dissatisfaction as expressed in her complaint to your office The J.DByrider/CNAC franchise would like to apologize to Ms [redacted] and Ms [redacted] for any inconvenience that they may have experienced, and wishes them all of the best in their future endeavorsProprietary & Confidential All rights reserved This information is internal to J.DByrider Systems and is not to be disclosed or used without prior written approval

Complaint: ***
I am rejecting this response because:
Sincerely,
Raymond ***

Initial Business Response /* (1000, 5, 2015/04/17) */
Contact Name and Title: Customer Service
Contact Email: ***@jdbyrider.com
In the case of *** ***, we have reviewed this matter with the full cooperation of the J.DByrider/CNAC franchise in questionMr*** is upset
regarding his accountAs a result, he would like for the remaining balance on his account to be forgiven
Mr*** purchased a Chrysler PT Cruiser on October 23, from the J.DByrider franchise located in *** ILIn January 2015, Mr*** notified the CNAC franchise that his vehicle was in an accidentAt that time, the CNAC representative took down all of the information regarding the claim and notified Mr*** to continue to stay current with his paymentsSubsequently the vehicle was deemed a total loss by his insurance providerThe CNAC franchise recently received payment from Mr***'s insurance provider for the Chrysler PT CruiserHowever, there is still a deficiency balance left on the accountMr*** should be aware that he is still responsible for the remaining deficiency balanceThe CNAC franchise has attempted to contact Mr*** to set up payment arrangements for the remaining balance, however, he has refused
J.DByrider strives to achieve the satisfaction of each and every customerThe J.DByrider/CNAC franchise was sorry to learn of Mr***'s dissatisfaction as expressed in his complaint to your officeNevertheless, the CNAC franchise is unable to adhere to Mr***'s requested resolution to forgive the remaining deficiency balance on his accountIf Mr*** has any questions or concerns regarding his account, it is recommended that he contact CNAC management directly at XXX-XXX-XXXX
Thanks,
J.DByrider/CNAC Customer Service

In the case of *** ***, we have reviewed this matter with the full cooperation of the J.DByrider/*** franchise in question. Ms*** was upset regarding her vehicle. Please note that since filing the complaint, this matter has been resolvedMs*** purchased a
Ford *** on June 26, from the J.DByrider franchise located in Joliet, IL. The vehicle is covered by a month or 36,mile service agreement which mainly covers the major components of the power trainWhile the J.DByrider franchise understands that dealing with any mechanical issue can be frustrating, a used automobile, like any mechanical device that is subject to wear and tear, will require regular maintenance and repairs in order to ensure its continued use. Account notes indicate that Ms***’s vehicle was recently repaired. The repairs were performed at no cost and the vehicle has since been returned. The J.DByrider franchise will continue to stand behind their service agreement, and is committed to ensuring that Ms*** has safe transportation. J.DByrider strives to achieve the satisfaction of each and every customer. The J.DByrider/*** franchise sorry to learn of Ms***’s dissatisfaction as expressed in her complaint to your office. The J.DByrider/*** franchise will continue to accommodate Ms*** to the best of their abilities, and hopes to move forward amicably in their relationship with herPlease find enclosed the response for *** *** If you have any questions feel free to email me or call me directly at *** Thanks,*** ***J.DByrider Systems

In the case of Raymond ***, we have reviewed this matter with the full cooperation of the J.DByrider/CNAC franchise in question. Mr*** is upset regarding his accountMr*** purchased a Hyundai Sonata on May 8, from the J.DByrider franchise located in Glendale
Heights, IL. Records indicate that Mr*** fell behind on his contractually obligated bi-weekly payments. After unsuccessfully attempting to bring the account current with Mr*** and with no definitive payment arrangements, CNAC deemed his vehicle eligible for repossession. Per management, Mr***’s vehicle was repossessed on October 19, Mr*** then notified CNAC that he intended on redeeming the vehicle, however, he failed to do so. The vehicle will be set for sale at auction and once sold, the proceeds will be applied to his account all according to proper procedures. Mr*** should be aware that he will still be responsible for the remaining deficiency balance, as outlined in the Retail Installment Contract and Security Agreement signed at the time of purchase J.DByrider strives to achieve the satisfaction of each and every customer. The J.DByrider/CNAC franchise was sorry to learn of Mr***’s dissatisfaction as expressed in his complaint to your office. If Mr*** has any further questions or concerns regarding his account, it is recommended that he contact CNAC management directly at 630-403-Thanks, J.DByrider/CNAC Customer Service

Initial Business Response /* (1000, 5, 2015/07/21) */
The independently owned and operated J.D. Byrider franchise where Ms. [redacted] originally purchased her vehicle is closed. Please note that when a franchise closes, their agreement is terminated and J.D. Byrider Systems maintains no business...

relationship with the former franchisee nor their customers thereafter. After doing some research, it was found that Smart Finance is maintaining the accounts from the closed J.D. Byrider franchise. Smart Finance can be reached at XXX-XXX-XXXX. Smart Finance has since been contacted and the complaint has been forwarded to them. At this time, it is recommended that any further correspondence related to the complaint be directed to Smart Finance. Please expect the response to come from Smart Finance.
Thanks,
J.D. Byrider Customer Service

In the case of [redacted], we have reviewed this matter with the full cooperation of the J.D. Byrider/CNAC franchise in question.  Mr. [redacted] is upset regarding his previous account.  As a result, he is requesting a refund. Mr. [redacted] purchased a 2004 [redacted] on August 22,...

2014 from the J.D. Byrider franchise located in Joliet, IL.  He then traded the vehicle in to a local dealership in November 2016.  Account notes indicate that the payoff check was received on November 25, 2016.  Please note that Mr. [redacted] had a payment due during this time.  As such, a payment was taken.  Per management, there is a 21 day waiting period before a check is sent for an overage to ensure that the funds clear, etc.   Records show that the check was sent out on December 16, 2016 to the address on file.  J.D. Byrider strives to achieve the satisfaction of each and everycustomer.  The J.D. Byrider/CNAC franchise was sorry to learn of Mr. [redacted]’s dissatisfaction as expressed in his complaint to your office.  If Mr. [redacted] has moved or not received the check, it is recommended that he contact CNAC management at 815-[redacted].  The J.D. Byrider/CNAC franchise would like to apologize to Mr. [redacted] for any inconvenience, and wishes him all of the best in his future endeavors.

Initial Business Response /* (1000, 5, 2015/07/16) */
Contact Name and Title: [redacted]
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@jdbyrider.com
Our office takes reports of the erroneous use of customer banking information very seriously. Upon learning of Ms. [redacted]'s complaint,...

the General Manager, [redacted], personally discussed the issue with her. In order to make amends for our error, Ms. [redacted] has agreed to allow us to make several changes to her account, including her next due date and the deletion of her account information, eliminating the potential for further issues. We have also expressed our apologies and regrets for the poor customer experience that she has received from one of our employees, and we have taken appropriate disciplinary action with that employee.

Please find enclosed the response for Quiana [redacted].  If you have any questions feel free to email me or call me directly at 317-249-3087.   Thanks, Chris [redacted] J.D. Byrider Systems In the case of Quiana [redacted], we have reviewed this matter with the full cooperation of the J.D....

Byrider/CNAC franchise in question.  Ms. [redacted] was upset regarding her previous account.  Please note that since filing the complaint, this matter has been resolved.  Lovely [redacted] purchased a 2007 Jeep Compass Sport on September 15, 2015 from the J.D. Byrider franchise located Joliet, IL.  Quiana [redacted] was listed as the co-buyer on the account.  Per management, Ms. [redacted] and Ms. [redacted] executed a mutual release on December 15, 2015.  The agreement effectively released both parties from any further claims related to the transaction. J.D. Byrider strives to achieve the satisfaction of each and every customer.  The J.D. Byrider/CNAC franchise was sorry to learn of Ms. [redacted]’s dissatisfaction as expressed in her complaint to your office.  The J.D. Byrider/CNAC franchise would like to apologize to Ms. [redacted] and Ms. [redacted] for any inconvenience that they may have experienced, and wishes them all of the best in their future endeavors. Proprietary & Confidential.  All rights reserved.  This information is internal to J.D. Byrider Systems and is not to be disclosed or used without prior written approval.

Initial Business Response /* (1000, 5, 2015/04/16) */
Contact Name and Title: Customer Service
Contact Email: [redacted].com
In the case of [redacted], we have reviewed this matter with the full cooperation of the company-owned [redacted] in question. Ms. [redacted] is...

upset regarding her account. As a result, she would like to be let out of her contract.
Ms. [redacted] purchased a 2006 [redacted] on February 26, 2015 from the company-owned [redacted] located in [redacted] Account notes show that Ms. [redacted] became delinquent with her agreed upon payment schedule. In the event that a customer becomes delinquent, [redacted] will call the customer at their primary phone number to remind them of the missed payment. If the customer is unreachable at their primary number, [redacted] will utilize the remaining contact numbers in an attempt to get a message to the customer and establish a line of communication. Please understand that it is the goal of [redacted] to help customers successfully maintain their account through consistent, on-time payments. The company-owned [redacted] apologizes if Ms. [redacted] felt these calls were unnecessary, however, these calls were only made in an attempt to assist Ms. [redacted] with her account. The company-owned [redacted] abides by all state and federal regulations, and denies any wrongdoing in their collection practices.
[redacted] Byrider strives to achieve the satisfaction of each and every customer. The company-owned [redacted] was sorry to learn of Ms. [redacted]'s dissatisfaction as expressed in her complaint to your office. Nevertheless, the company-owned [redacted] is unable to adhere to Ms. [redacted]'s requested resolution to let her out of her contract. The company-owned [redacted] will continue to accommodate Ms. [redacted] to the best of their abilities, and hopes to move forward amicably in their relationship with her.
Thanks,
[redacted] Customer Service
Initial Consumer Rebuttal /* (3000, 7, 2015/04/17) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I just need my payment date changed by 2 days so my payments don't continuously seem like they are late. Like I stated above I recently changed jobs
Final Business Response /* (4000, 9, 2015/04/17) */
At this time, it is recommended that Ms. [redacted] contact [redacted] management directly at XXX-XXX-XXXX to discuss her account.
Thanks,
[redacted] Customer Service
Final Consumer Response /* (4200, 11, 2015/04/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I did that and they said they were unable to change payment date threatened to repo my car once more. People were very rude I don't understand why my payment date can't be changed by 2 days. Maybe I should just contact an attorney. This is all just beyond ridiculous to me

In the case of [redacted], we have reviewed this matter with the full cooperation of the J.D. Byrider/CNAC franchise in question.  Ms. [redacted] is upset regarding her previous account.  As a result, she would like a refund or the vehicle returned to her. Ms. [redacted] purchased a...

2010 [redacted] on September 8, 2016 from the J.D. Byrider franchise located in Joliet, IL. After purchasing, she becamedelinquenton her first contractual bi-weekly payment.  After unsuccessfully attempting to bring the account current and with no definitive payment arrangements, CNAC deemed the vehicle eligible for repossession.   J.D. Byrider strives to achieve the satisfaction of each and every customer.  The J.D. Byrider/CNAC franchise was sorry to learn of Ms. [redacted]’ dissatisfaction as expressed in her complaint to your office.  Nevertheless, they are unable to provide her with a refund, as she hadfullaccessto thevehicle until repossession. Given the circumstances, CNAC chose to release Ms. [redacted] from her contractual obligations.  The J.D. Byrider/CNAC franchise appreciated herbusiness, and wishesher all of the best in her future endeavors.

On Dec 7, 2010 purchased vehicle with JD Byryder/CNAC. At the time thought sales rep [redacted] was going above and beyond to help me obtain a vehicle, however soon relized that was not the case. The vehicle purchased had nothing but mechanical problems. During the warranty period the front end fell off took it to dealership and they fixed but weeks later had the back end do the same. The locks on the vehicle did not work nor the moon roof. Notified JD Byryder when brought in for service never fixed. The vehicle suddenly stopped multiple times on highway placing me in near fatal situations.The last straw was when the engine failed. The vehicle was substandard and sold at an inflated price. The car was only worth 3000 if not less when purchased in 2010 JD Byryder sold the car to me for 11800. Since the engine blew was keeping up my payments but it dawned on me that it was not worth it The company was steady ripping me off while I was suffering the damages of not being able to get to work, or search for work, due to no transportation. In a complaint to the [redacted] company agreed to allow a mutual release, but once called to discuss either no one knew what I was talking about or would not talk to me.The company sold a substandard vehicle at an inflated price and I want restitution since they are not honoring what they stated the mutual release agreement. Per my account manager [redacted] they placed the account in repossessed status which is not a mutual release agreement and the car was not reposessed it was returned to dealer because the engine blew and I was done putting work into the vehicle.
Product_Or_Service: 2000 Dodge Neon