In the case of [redacted] we have reviewed this matter with the full cooperation of the company-owned J.DByrider/CNAC in question Mr [redacted] is upset regarding his previous account As a result, he is requesting that his credit bureau be updatedMr [redacted] originally purchased a Buick LaCrosse on January 1, from the company-owned J.DByrider located in Greenwood, IN Unfortunately, the vehicle was involved in an accident and subsequently deemed a total loss Following the accident, CNAC agreed to sell him another vehicle Accounts notes show that Mr [redacted] then purchased a Hyundai Tiburon on August 5, Per management, a clerical error was made regarding Mr [redacted] ’s previous account However, CNAC will be correcting the error and updating his credit bureau accordingly Mr [redacted] should be aware that it can take 30-days for the credit agencies to update the status of his credit bureau CNAC would like to apologize to Mr [redacted] for any inconvenience J.DByrider strives to achieve the satisfaction of each and every customer The company-owned J.DByrider/CNAC was sorry to learn of Mr [redacted] ’s dissatisfaction as expressed in his complaint to your office The company-owned J.DByrider/CNAC will continue to accommodate Mr [redacted] to the best of their abilities, and hopes to move forward amicably in their relationship with himThanks, J.DByrider/CNAC Customer Service
At this time, it is recommended that either Joel or [redacted] contact Rachael [redacted] directly at [redacted] to discuss their options regarding the refund CNAC has previously attempted to contact both Joel and Ashley, however, they have not responded CNAC would like to apologize for any inconvenience, and looks forward to assisting themThanks, J.DByrider/CNAC Customer Service
In the case of [redacted] ***, we have reviewed this matter with the full cooperation of the company-owned J.DByrider/CNAC in question Mr [redacted] is upset regarding his account Please note that since filing the complaint, this matter has been addressed Mr [redacted] purchased a Oldsmobile Alero on May 15, from the company-owned J.DByrider located in Toledo, OH Management has since attempted to contact Mr [redacted] in order to provide him the $in gas cards A voicemail was left with the option of having the gas cards sent to him or to have him visit the dealership at his earliest convenience Mr [redacted] can contact management at 419-842-with his decision The company-owned J.DByrider/CNAC would like to apologize to Mr [redacted] for any inconvenience that he may have experienced J.DByrider strives to achieve the satisfaction of each and every customer The company-owned J.DByrider/CNAC was sorry to learn of Mr***’s dissatisfaction as expressed in his complaint to your office The company-owned J.DByrider/CNAC will continue to accommodate Mr [redacted] to the best of their abilities, and hopes to move forward amicably in their relationship with him.Thanks,J.DByrider/CNAC Customer Service
Per management, [redacted] (co-buyer) agreed to an arrangement to get the account current over an month period Mr [redacted] was then to retrieve the vehicle at pm on October 28, On October 28, at 5:pm, the company-owned J.DByrider/CNAC was notified that [redacted] ’s did not want the vehicle and that they had found alternate transportation Thanks, J.DByrider/CNAC Customer Service
In the case of [redacted] , we have investigated this matter with the full cooperation of the company-owned J.DByrider/CNAC in question Ms [redacted] is requesting the title to her vehicle as well as a refund Ms [redacted] purchased a Ford Focus on March 28, from the company-owned J.DByrider located in Lima, OH Account notes indicate that Ms [redacted] paid her account in full on July 18, At that time, a title request was put in as well Per CNAC, the title to Ms [redacted] s vehicle was mailed to her on August 5, Seeing as vehicle titles are not held on site, delivery can take anywhere between 4-weeks As to the refund mentioned by Ms [redacted] , CNAC management has confirmed that the amount in question is interest that would have had to been paid, had Ms [redacted] paid her account off according to the payment schedule The amount does not represent any kind of overpayment by Ms [redacted] , therefore no refund is due Please find attached a copy of Ms Shaffer’s payment ledger showing a zero balance on her account J.D Byrider strives to achieve the satisfaction of each and every customer The company-owned J.DByrider/CNAC was sorry to learn of Ms [redacted] ’s dissatisfaction as expressed in her complaint to your officeThe company-owned J.DByrider/CNAC would like to apologize to Ms [redacted] for any inconvenience that she may have experienced, and wishes her all of the best in her future endeavors Thanks, J.DByrider/CNAC Customer Service
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.[Provide details of why you are not satisfied with this resolution.]I don't believe in their tactics of lying to me or to a major company that is acting on both halvesWhen I tried to adjust my payment arrangements and schedule it wasn't enoughI can't do more than $175/$a month seeing that they keep adding more interest to my account, my account for said vehicle is $9000.00, but if I bought it now it would be less than $5000.00, I can't keep upI want to work with them, but all I get I go somewhere to call them...no phone, right now least of my problemsYes I need my car to sleep in, find a job, and a home/place to stay permanentlyThey keep emailing me sometimes more than once a day, the harassment is making my verifiable medical condition worse Regards, [redacted] ***
In the case of [redacted] , we have reviewed this matter with the full cooperation of the [redacted] /CNAC franchise in question Mr [redacted] is upset regarding his previous account As a result, he is requesting a refundMr [redacted] purchased a Ford Escape on April 14, from the [redacted] franchise located in Austin, TX Account notes indicate that he recently tradthe Ford Escape at a local dealership Per management, a settlement was approved for $7, The payment mentioned by Mr [redacted] in his original complaint occurred on April 28, As a result of that payment, a lesser payoff amount was allowed, which in turn helped get the account settled for less [redacted] strives to achieve the satisfaction of each and every customer The [redacted] /CNAC franchise was sorry to learn of Mr [redacted] ’s dissatisfaction as expressed in his complaint to your office Nevertheless, CNAC is unable to adhere to his requested resolution If a refund was issued the dealership payoff check would be shorted, thus leaving a balance on his account If Mr [redacted] would like a more detailed explanation, it is recommended that he contact CNAC management at 512-201- Thanks, [redacted] /CNAC Customer Service
In the case of [redacted] ***, we have reviewed this matter with the full cooperation of the company-owned J.DByrider/CNAC in question Mr [redacted] is upset regarding his account.Per management, no calls have been placed before 8pm since July 17, In that time frame, a total of two calls were placed after 8pm Mr [redacted] account states that he lives in Girard, OH with an area code of *** Both of these would be in the Eastern time zone and CNAC representatives do not get into the office until after 8am EST Account notes indicate that Mr [redacted] made his last payment on June 24, Since that time, the vehicle has been repossessed and subsequently sold at auction CNAC has attempted to make arrangements with Mr***, however, he refuses to cooperate At this time, it is recommended that Mr [redacted] contact CNAC management directly at 330-758-to discuss his options regarding his accountThanks, J.DByrider/CNAC Customer Service
Worst company I have EVER bought a car from! If we have an issue they will just keep transferring you till you hang up, plus they decided that they were illegally going to run my husbands card for a payment without his authorizationIt also took them over a month just to send me paperwork to get the pay date change done so it affected my credit yet I was alway paying my payment on time!! We are in so much debt from a truck that there is no way to get out from under it if we wanted too becuase they charged so much so such an old car so we are basically stuck with this company until the rest of my 11,dollar loan is paid
CNAC on Colerain Avenue aka J.D.Byrider are absolute liarsI was told three different things on recorded lines today after trying to work out a repo issueI thought they were taking the car pymt from my account and they hadn't taken it for two monthsI did not receive a letter of notification and then tried to make one of the car pymts today amd maybe put the other at the end of my loan and they told me both car pymts had to be madeBeing a single mother of three children with medical and mental health issues, I could not do thatI called back again after my exboyfriend offered to pay for both pymts and the rude lady on the phone who laughed at me, as a sign of trying to torment me, said they would not take both pymts I would have to pay the car in fullRight because people that come to that company who are already hurting on credit trying to make things right can carry $24,for a car that had computer problems and the computer in the car wasn't able to give a diagnostic of the problem when it was taken up for an oil change less than thirty days after purchase and I was told there were leaks in the power steering and oil leaksThis company is a scam artist and I believe they fix cars to seem right and when you seal that deal in less than days.....your car starts acting up but by then they have youThen try to collect for a car that wasn't worth half what you paid but your credit forces you to turn to companies like these that prey on us
In the case of [redacted] , we have reviewed this matter with the full cooperation of the company-owned J.DByrider/CNAC in question Ms [redacted] is upset regarding her previous account As a result, she isrequesting an update on the status of the overage due to her.Ms [redacted] purchased a Chevrolet Aveo on October 15, from thecompany-owned J.DByrider located in Dayton, OH Records indicate that Ms [redacted] ’s checkhas been processed to her last known address on file Ms [redacted] should be receiving the check soon,if she has not already The company-owned CNAC would like to apologize to Ms [redacted] for anyinconvenience that she may have experiencedJ.DByrider strives to achieve the satisfaction of each and every customerThe company-owned J.DByrider/CNAC was sorry to learn of Ms [redacted] ’s dissatisfaction as expressed in her complaint to your office The company-owned J.DByrider/CNACappreciates Ms [redacted] ’s patience, and wishes her all of the best in her future endeavors.Thanks,J.DByrider/CNAC Customer Service
I was used as a reference for a loanI did not receive a call asking about the individual applying for the loan nor did I have any knowledge of being used as a referenceI have been called numerous times by CNAC representatives trying to contact the person to whom the loan was givenI told them I had no contact with the individual and to please not contact me any further in regards to this loanThey said they would put me on a no call list, I am still receiving calls even after calling them multiple times and receiving confirmation that their system says do not call my numberThey said if they look a name up on the internet and a number comes up they will call that number without checking their database to see if it has been called previously, so basically as long as the individual still owes on the loan I could be called
In the case of [redacted] ***, we have reviewed this matter with the full cooperation of the company-owned JDByrider/CNAC in question Ms [redacted] is upset regarding her account As a result, she would like for any future communication to be sent to her via email and for her references to be contacted less.Ms [redacted] purchased a Hyndai Azera on March 3, from the company-owned J.DByrider located in Columbus, OH Account notes indicate that Ms [redacted] was several weeks late on a deferred down payment In the event that a customer becomes delinquent, CNAC will call the customer at their primary phone number to remind them of the missed payment(s) If the customer is unreachable at their primary number, CNAC will utilize the remaining contact numbers in an attempt to get a message to the customer and establish a line of communication Communication attempts may include reaching out to the references that Ms [redacted] supplied at the time of purchase Given the ongoing nature of the delinquency, CNAC utilized all contact methods available in an attempt to contact and make payment arrangements with Ms*** CNAC apologizes if Ms [redacted] felt this was unnecessary, however, she was not communicating with CNAC at the time Please understand that it is the goal of CNAC to help customers successfully maintain their account through consistent, on-time paymentsJ.DByrider strives to achieve the satisfaction of each and every customer The company-owned J.DByrider/CNAC was sorry to learn of Ms***'s dissatisfaction as expressed in her complaint to your office In the spirit of customer service, CNAC has agreed to Ms***'s requested resolutionMs***'s account has been documented to use email as the primary source of contact, and to give her more time to respond before contacting her references Also, as a gesture of goodwill, CNAC will continue to accommodate Ms [redacted] to the best of their abilities, and hopes to move forward amicably in their relationship with herThanks, J.DByrider/CNAC Customer Service
In the case [redacted] ***, we have reviewed this matter with the full cooperation of the company-owned J.DByrider/CNAC in question Ms [redacted] is upset regarding the handling of her account As a result, she would like no further contact [redacted] purchased a Dodge Stratus on August 2, from the company-owned J.DByrider located in Indianapolis, IN [redacted] is listed as the co-buyer on the account Records indicate that [redacted] *** recently fell behind on her contractually obligated bi-weekly paymentsIn the event that a customer becomes delinquent, CNAC will call the customer at their primary phone number to remind them of the missed payment(s) If the customer is unreachable at their primary number, CNAC will utilize the remaining contact numbers in an attempt to get a message to the customer and establish a line of communication Communication attempts also include reaching out to the co-buyer on the account CNAC apologizes if Ms*** felt this was unnecessary, however, [redacted] was not communicating with CNAC at the time Please understand that it is the goal of CNAC to help customers successfully maintain their account through consistent, on-time payments J.DByrider strives to achieve the satisfaction of each and every customer The company-owned J.DByrider/CNAC was sorry to learn of Ms***’s dissatisfaction as expressed in her complaint to your officeCNAC has agreed to note their account that no additional contact is to be made However, the account is currently in delinquent status At this time, it is recommended that either [redacted] or [redacted] contact CNAC management directly at 317-347-to discuss bringing their account current Thanks,J.DByrider/CNAC Customer Service
Per CNAC management, Ms [redacted] ’s check was mailed to her last known address onfile on Thursday February 12, Ms [redacted] should be aware that there could have been a delay in receiving thecheck, due to the fact that Monday was President’s Day The company-owned J.DByrider/CNAC appreciates Ms [redacted] ’s patience, and wishes her all ofthe best in her future endeavors.Thanks,J.DByrider/CNAC Customer Service
In the case of [redacted] , we have reviewed this matter with the full cooperation of the company-owned [redacted] /CNAC in question. Ms. [redacted] was upset regarding her account. Please note that since filing the... complaint, this matter has been resolved to her satisfaction. Ms. [redacted] purchased a 2008 Ford Taurus on October 17, 2015 from the company-owned [redacted] located in Lafayette, IN. Account notes indicate that CNAC and Ms. [redacted] have been in contact. Per management, she is in the process of submitting paperwork to modify her due dates. Once the paperwork is signed and returned, CNAC will move forward with her request. CNAC would like toapologizeto Ms. [redacted] for any inconvenience that she may have experienced, and hopes to move forward amicably in their relationship with her. Thanks, [redacted] /CNAC Customer Service
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear belowOur payments come out automatically biweekly and a payment wasn't taken out one week in JanuaryThey took two payments out at the same time without permission and caused an overdraft I already made a complaint about this and they said they'd refund the extra payment It wasn't specified on how the missed payment would be handled, but I assumed it would be added to the end of the contract They never refunded the extra payment
Regards,
*** ***
March 17,
To: CNAC FINANCING
From: *** *** ***
It has been brought to my attention some ironies information was reported to my credit agenciesYou were paid as planned for monthsThese payments equalled over $on a vehicle over priced at $14,These payments only brought my balance down less than $We made an agreement beginning this month as I started my new job my payments would be times the required paymentThis would have begun this Friday
Unfortunately, my vehicle was involved in an accidentYour rule is to contact you firstI did so by email to keep a paper trailYou also stated you wanted to see vehicle first and clearly opted not toI was told by Cheryl, if an accident occurs the key parties are CNAC and my Insurance CompanyYou have refused to call me, email me,or send me a letter of intent
Instead, you made GROSS derogatory marks to my creditI spoke with my attorney today and he told me in light of the wreck, I could try and make a reasonable payment plan or file bankruptcy since your attack to my reporting agencies was clearly out of maliceAs a last resort, he would initiate a class action law suit against CNAC/JDBYRIDER just based on internet complaintsThey more than cover the signature required to investigate on grounds of predatory lending just to name one of several other charges
Your reporting to the bureaus has crippled me more than a BK ever would and at least I would have transportationIt would be my preference to get your “promises” in writing because you are by far the most criminal financial company in the countryYou were asked for pay off when my bank was refinancing and refused to provide balanceYou have always had my bank information for reoccurring paymentsClearly is is your option to retaliate with malice and unethical behavior
I need to know your intent within days and your idea of a solutionIn the meantime, a cease and desist to retrieve my vehicle from body shop has been generated until such a time you've decided how you want to proceedAt moment, my budget will not allow more than $per month ($for payment and remainder to principle only
The response needs to come immediately by a Senior Manager in your company or legal teamIn the event the vehicle is totaled I have full coverage and your coverage should cover balance
Simply,
Sean *** ***
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
The reasons that I do not accept are :
1) I have yet to speak to JD Byrider, I have not agreed to anything, so that statement is falseI have not had a phone until yesterday November 2ndOne time someone spoke to my husband saying we could pick the car up, but he didn't answer because he wanted to talk to me2) We were treated rudley by CNAC staff when we spent a week calling to correct the situation.
3) Both my husband and myself were humiliated unnecessarily, by our car being repoed and the police yelling at my husband to pay our bills in front of all of our neighbors4) we were told we had to pay around $to get the car back originally, then we got a letter in the mail stating we had to pay over $11,Then we get the call and response from the Revdex.com saying we can come get the car.
5) when the car was taken we were left unable to get to dr's appointments I had schedules, I even broke my finger and had no way to get to the Dr6) When the car was returned it was sent to a JD Byrider over and hour away from us, not the one it was purchased fromAnd I don't believe that we should have to be responsible getting so far away and the gas cost associated with getting there when CNAC/JD Byrider admitted it was an errorCNAC/JD Byrider does not seem to really care about the bind that the car getting repoed imposed on us as a familyNobody even seemed to have any sympathy for the uncalled for situation that they put us inAlso I had contacted CNAC because I told them with a family of I needed a 3rd row suv, the only way that I would go back is if we were allowed to start over in a vehicle that is big enough for my familyOr we are intending on filing a small claim suit for all the money lost that we paid into the car that was wrongfully taken
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait until for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***
In the case of [redacted] we have reviewed this matter with the full cooperation of the company-owned J.DByrider/CNAC in question Mr [redacted] is upset regarding his previous account As a result, he is requesting that his credit bureau be updatedMr [redacted] originally purchased a Buick LaCrosse on January 1, from the company-owned J.DByrider located in Greenwood, IN Unfortunately, the vehicle was involved in an accident and subsequently deemed a total loss Following the accident, CNAC agreed to sell him another vehicle Accounts notes show that Mr [redacted] then purchased a Hyundai Tiburon on August 5, Per management, a clerical error was made regarding Mr [redacted] ’s previous account However, CNAC will be correcting the error and updating his credit bureau accordingly Mr [redacted] should be aware that it can take 30-days for the credit agencies to update the status of his credit bureau CNAC would like to apologize to Mr [redacted] for any inconvenience J.DByrider strives to achieve the satisfaction of each and every customer The company-owned J.DByrider/CNAC was sorry to learn of Mr [redacted] ’s dissatisfaction as expressed in his complaint to your office The company-owned J.DByrider/CNAC will continue to accommodate Mr [redacted] to the best of their abilities, and hopes to move forward amicably in their relationship with himThanks, J.DByrider/CNAC Customer Service
At this time, it is recommended that either Joel or [redacted] contact Rachael [redacted] directly at [redacted] to discuss their options regarding the refund CNAC has previously attempted to contact both Joel and Ashley, however, they have not responded CNAC would like to apologize for any inconvenience, and looks forward to assisting themThanks, J.DByrider/CNAC Customer Service
In the case of [redacted] ***, we have reviewed this matter with the full cooperation of the company-owned J.DByrider/CNAC in question Mr [redacted] is upset regarding his account Please note that since filing the complaint, this matter has been addressed Mr [redacted] purchased a Oldsmobile Alero on May 15, from the company-owned J.DByrider located in Toledo, OH Management has since attempted to contact Mr [redacted] in order to provide him the $in gas cards A voicemail was left with the option of having the gas cards sent to him or to have him visit the dealership at his earliest convenience Mr [redacted] can contact management at 419-842-with his decision The company-owned J.DByrider/CNAC would like to apologize to Mr [redacted] for any inconvenience that he may have experienced J.DByrider strives to achieve the satisfaction of each and every customer The company-owned J.DByrider/CNAC was sorry to learn of Mr***’s dissatisfaction as expressed in his complaint to your office The company-owned J.DByrider/CNAC will continue to accommodate Mr [redacted] to the best of their abilities, and hopes to move forward amicably in their relationship with him.Thanks,J.DByrider/CNAC Customer Service
Per management, [redacted] (co-buyer) agreed to an arrangement to get the account current over an month period Mr [redacted] was then to retrieve the vehicle at pm on October 28, On October 28, at 5:pm, the company-owned J.DByrider/CNAC was notified that [redacted] ’s did not want the vehicle and that they had found alternate transportation Thanks, J.DByrider/CNAC Customer Service
In the case of [redacted] , we have investigated this matter with the full cooperation of the company-owned J.DByrider/CNAC in question Ms [redacted] is requesting the title to her vehicle as well as a refund Ms [redacted] purchased a Ford Focus on March 28, from the company-owned J.DByrider located in Lima, OH Account notes indicate that Ms [redacted] paid her account in full on July 18, At that time, a title request was put in as well Per CNAC, the title to Ms [redacted] s vehicle was mailed to her on August 5, Seeing as vehicle titles are not held on site, delivery can take anywhere between 4-weeks As to the refund mentioned by Ms [redacted] , CNAC management has confirmed that the amount in question is interest that would have had to been paid, had Ms [redacted] paid her account off according to the payment schedule The amount does not represent any kind of overpayment by Ms [redacted] , therefore no refund is due Please find attached a copy of Ms Shaffer’s payment ledger showing a zero balance on her account J.D Byrider strives to achieve the satisfaction of each and every customer The company-owned J.DByrider/CNAC was sorry to learn of Ms [redacted] ’s dissatisfaction as expressed in her complaint to your officeThe company-owned J.DByrider/CNAC would like to apologize to Ms [redacted] for any inconvenience that she may have experienced, and wishes her all of the best in her future endeavors Thanks, J.DByrider/CNAC Customer Service
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.[Provide details of why you are not satisfied with this resolution.]I don't believe in their tactics of lying to me or to a major company that is acting on both halvesWhen I tried to adjust my payment arrangements and schedule it wasn't enoughI can't do more than $175/$a month seeing that they keep adding more interest to my account, my account for said vehicle is $9000.00, but if I bought it now it would be less than $5000.00, I can't keep upI want to work with them, but all I get I go somewhere to call them...no phone, right now least of my problemsYes I need my car to sleep in, find a job, and a home/place to stay permanentlyThey keep emailing me sometimes more than once a day, the harassment is making my verifiable medical condition worse Regards, [redacted] ***
In the case of [redacted] , we have reviewed this matter with the full cooperation of the [redacted] /CNAC franchise in question Mr [redacted] is upset regarding his previous account As a result, he is requesting a refundMr [redacted] purchased a Ford Escape on April 14, from the [redacted] franchise located in Austin, TX Account notes indicate that he recently tradthe Ford Escape at a local dealership Per management, a settlement was approved for $7, The payment mentioned by Mr [redacted] in his original complaint occurred on April 28, As a result of that payment, a lesser payoff amount was allowed, which in turn helped get the account settled for less [redacted] strives to achieve the satisfaction of each and every customer The [redacted] /CNAC franchise was sorry to learn of Mr [redacted] ’s dissatisfaction as expressed in his complaint to your office Nevertheless, CNAC is unable to adhere to his requested resolution If a refund was issued the dealership payoff check would be shorted, thus leaving a balance on his account If Mr [redacted] would like a more detailed explanation, it is recommended that he contact CNAC management at 512-201- Thanks, [redacted] /CNAC Customer Service
In the case of [redacted] ***, we have reviewed this matter with the full cooperation of the company-owned J.DByrider/CNAC in question Mr [redacted] is upset regarding his account.Per management, no calls have been placed before 8pm since July 17, In that time frame, a total of two calls were placed after 8pm Mr [redacted] account states that he lives in Girard, OH with an area code of *** Both of these would be in the Eastern time zone and CNAC representatives do not get into the office until after 8am EST Account notes indicate that Mr [redacted] made his last payment on June 24, Since that time, the vehicle has been repossessed and subsequently sold at auction CNAC has attempted to make arrangements with Mr***, however, he refuses to cooperate At this time, it is recommended that Mr [redacted] contact CNAC management directly at 330-758-to discuss his options regarding his accountThanks, J.DByrider/CNAC Customer Service
Worst company I have EVER bought a car from! If we have an issue they will just keep transferring you till you hang up, plus they decided that they were illegally going to run my husbands card for a payment without his authorizationIt also took them over a month just to send me paperwork to get the pay date change done so it affected my credit yet I was alway paying my payment on time!! We are in so much debt from a truck that there is no way to get out from under it if we wanted too becuase they charged so much so such an old car so we are basically stuck with this company until the rest of my 11,dollar loan is paid
CNAC on Colerain Avenue aka J.D.Byrider are absolute liarsI was told three different things on recorded lines today after trying to work out a repo issueI thought they were taking the car pymt from my account and they hadn't taken it for two monthsI did not receive a letter of notification and then tried to make one of the car pymts today amd maybe put the other at the end of my loan and they told me both car pymts had to be madeBeing a single mother of three children with medical and mental health issues, I could not do thatI called back again after my exboyfriend offered to pay for both pymts and the rude lady on the phone who laughed at me, as a sign of trying to torment me, said they would not take both pymts I would have to pay the car in fullRight because people that come to that company who are already hurting on credit trying to make things right can carry $24,for a car that had computer problems and the computer in the car wasn't able to give a diagnostic of the problem when it was taken up for an oil change less than thirty days after purchase and I was told there were leaks in the power steering and oil leaksThis company is a scam artist and I believe they fix cars to seem right and when you seal that deal in less than days.....your car starts acting up but by then they have youThen try to collect for a car that wasn't worth half what you paid but your credit forces you to turn to companies like these that prey on us
In the case of [redacted] , we have reviewed this matter with the full cooperation of the company-owned J.DByrider/CNAC in question Ms [redacted] is upset regarding her previous account As a result, she isrequesting an update on the status of the overage due to her.Ms [redacted] purchased a Chevrolet Aveo on October 15, from thecompany-owned J.DByrider located in Dayton, OH Records indicate that Ms [redacted] ’s checkhas been processed to her last known address on file Ms [redacted] should be receiving the check soon,if she has not already The company-owned CNAC would like to apologize to Ms [redacted] for anyinconvenience that she may have experiencedJ.DByrider strives to achieve the satisfaction of each and every customerThe company-owned J.DByrider/CNAC was sorry to learn of Ms [redacted] ’s dissatisfaction as expressed in her complaint to your office The company-owned J.DByrider/CNACappreciates Ms [redacted] ’s patience, and wishes her all of the best in her future endeavors.Thanks,J.DByrider/CNAC Customer Service
I was used as a reference for a loanI did not receive a call asking about the individual applying for the loan nor did I have any knowledge of being used as a referenceI have been called numerous times by CNAC representatives trying to contact the person to whom the loan was givenI told them I had no contact with the individual and to please not contact me any further in regards to this loanThey said they would put me on a no call list, I am still receiving calls even after calling them multiple times and receiving confirmation that their system says do not call my numberThey said if they look a name up on the internet and a number comes up they will call that number without checking their database to see if it has been called previously, so basically as long as the individual still owes on the loan I could be called
In the case of [redacted] ***, we have reviewed this matter with the full cooperation of the company-owned JDByrider/CNAC in question Ms [redacted] is upset regarding her account As a result, she would like for any future communication to be sent to her via email and for her references to be contacted less.Ms [redacted] purchased a Hyndai Azera on March 3, from the company-owned J.DByrider located in Columbus, OH Account notes indicate that Ms [redacted] was several weeks late on a deferred down payment In the event that a customer becomes delinquent, CNAC will call the customer at their primary phone number to remind them of the missed payment(s) If the customer is unreachable at their primary number, CNAC will utilize the remaining contact numbers in an attempt to get a message to the customer and establish a line of communication Communication attempts may include reaching out to the references that Ms [redacted] supplied at the time of purchase Given the ongoing nature of the delinquency, CNAC utilized all contact methods available in an attempt to contact and make payment arrangements with Ms*** CNAC apologizes if Ms [redacted] felt this was unnecessary, however, she was not communicating with CNAC at the time Please understand that it is the goal of CNAC to help customers successfully maintain their account through consistent, on-time paymentsJ.DByrider strives to achieve the satisfaction of each and every customer The company-owned J.DByrider/CNAC was sorry to learn of Ms***'s dissatisfaction as expressed in her complaint to your office In the spirit of customer service, CNAC has agreed to Ms***'s requested resolutionMs***'s account has been documented to use email as the primary source of contact, and to give her more time to respond before contacting her references Also, as a gesture of goodwill, CNAC will continue to accommodate Ms [redacted] to the best of their abilities, and hopes to move forward amicably in their relationship with herThanks, J.DByrider/CNAC Customer Service
In the case [redacted] ***, we have reviewed this matter with the full cooperation of the company-owned J.DByrider/CNAC in question Ms [redacted] is upset regarding the handling of her account As a result, she would like no further contact [redacted] purchased a Dodge Stratus on August 2, from the company-owned J.DByrider located in Indianapolis, IN [redacted] is listed as the co-buyer on the account Records indicate that [redacted] *** recently fell behind on her contractually obligated bi-weekly paymentsIn the event that a customer becomes delinquent, CNAC will call the customer at their primary phone number to remind them of the missed payment(s) If the customer is unreachable at their primary number, CNAC will utilize the remaining contact numbers in an attempt to get a message to the customer and establish a line of communication Communication attempts also include reaching out to the co-buyer on the account CNAC apologizes if Ms*** felt this was unnecessary, however, [redacted] was not communicating with CNAC at the time Please understand that it is the goal of CNAC to help customers successfully maintain their account through consistent, on-time payments J.DByrider strives to achieve the satisfaction of each and every customer The company-owned J.DByrider/CNAC was sorry to learn of Ms***’s dissatisfaction as expressed in her complaint to your officeCNAC has agreed to note their account that no additional contact is to be made However, the account is currently in delinquent status At this time, it is recommended that either [redacted] or [redacted] contact CNAC management directly at 317-347-to discuss bringing their account current Thanks,J.DByrider/CNAC Customer Service
Per CNAC management, Ms [redacted] ’s check was mailed to her last known address onfile on Thursday February 12, Ms [redacted] should be aware that there could have been a delay in receiving thecheck, due to the fact that Monday was President’s Day The company-owned J.DByrider/CNAC appreciates Ms [redacted] ’s patience, and wishes her all ofthe best in her future endeavors.Thanks,J.DByrider/CNAC Customer Service
In the case of [redacted] , we have reviewed this matter with the full cooperation of the company-owned [redacted] /CNAC in question. Ms. [redacted] was upset regarding her account. Please note that since filing the... complaint, this matter has been resolved to her satisfaction. Ms. [redacted] purchased a 2008 Ford Taurus on October 17, 2015 from the company-owned [redacted] located in Lafayette, IN. Account notes indicate that CNAC and Ms. [redacted] have been in contact. Per management, she is in the process of submitting paperwork to modify her due dates. Once the paperwork is signed and returned, CNAC will move forward with her request. CNAC would like toapologizeto Ms. [redacted] for any inconvenience that she may have experienced, and hopes to move forward amicably in their relationship with her. Thanks, [redacted] /CNAC Customer Service
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear belowOur payments come out automatically biweekly and a payment wasn't taken out one week in JanuaryThey took two payments out at the same time without permission and caused an overdraft I already made a complaint about this and they said they'd refund the extra payment It wasn't specified on how the missed payment would be handled, but I assumed it would be added to the end of the contract They never refunded the extra payment
Regards,
*** ***
March 17,
To: CNAC FINANCING
From: *** *** ***
It has been brought to my attention some ironies information was reported to my credit agenciesYou were paid as planned for monthsThese payments equalled over $on a vehicle over priced at $14,These payments only brought my balance down less than $We made an agreement beginning this month as I started my new job my payments would be times the required paymentThis would have begun this Friday
Unfortunately, my vehicle was involved in an accidentYour rule is to contact you firstI did so by email to keep a paper trailYou also stated you wanted to see vehicle first and clearly opted not toI was told by Cheryl, if an accident occurs the key parties are CNAC and my Insurance CompanyYou have refused to call me, email me,or send me a letter of intent
Instead, you made GROSS derogatory marks to my creditI spoke with my attorney today and he told me in light of the wreck, I could try and make a reasonable payment plan or file bankruptcy since your attack to my reporting agencies was clearly out of maliceAs a last resort, he would initiate a class action law suit against CNAC/JDBYRIDER just based on internet complaintsThey more than cover the signature required to investigate on grounds of predatory lending just to name one of several other charges
Your reporting to the bureaus has crippled me more than a BK ever would and at least I would have transportationIt would be my preference to get your “promises” in writing because you are by far the most criminal financial company in the countryYou were asked for pay off when my bank was refinancing and refused to provide balanceYou have always had my bank information for reoccurring paymentsClearly is is your option to retaliate with malice and unethical behavior
I need to know your intent within days and your idea of a solutionIn the meantime, a cease and desist to retrieve my vehicle from body shop has been generated until such a time you've decided how you want to proceedAt moment, my budget will not allow more than $per month ($for payment and remainder to principle only
The response needs to come immediately by a Senior Manager in your company or legal teamIn the event the vehicle is totaled I have full coverage and your coverage should cover balance
Simply,
Sean *** ***
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
The reasons that I do not accept are :
1) I have yet to speak to JD Byrider, I have not agreed to anything, so that statement is falseI have not had a phone until yesterday November 2ndOne time someone spoke to my husband saying we could pick the car up, but he didn't answer because he wanted to talk to me2) We were treated rudley by CNAC staff when we spent a week calling to correct the situation.
3) Both my husband and myself were humiliated unnecessarily, by our car being repoed and the police yelling at my husband to pay our bills in front of all of our neighbors4) we were told we had to pay around $to get the car back originally, then we got a letter in the mail stating we had to pay over $11,Then we get the call and response from the Revdex.com saying we can come get the car.
5) when the car was taken we were left unable to get to dr's appointments I had schedules, I even broke my finger and had no way to get to the Dr6) When the car was returned it was sent to a JD Byrider over and hour away from us, not the one it was purchased fromAnd I don't believe that we should have to be responsible getting so far away and the gas cost associated with getting there when CNAC/JD Byrider admitted it was an errorCNAC/JD Byrider does not seem to really care about the bind that the car getting repoed imposed on us as a familyNobody even seemed to have any sympathy for the uncalled for situation that they put us inAlso I had contacted CNAC because I told them with a family of I needed a 3rd row suv, the only way that I would go back is if we were allowed to start over in a vehicle that is big enough for my familyOr we are intending on filing a small claim suit for all the money lost that we paid into the car that was wrongfully taken
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait until for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***