J D Byrider

Ive been paying $dollars a month for this vehicle for over years and this vehicles transmission went bad about months ago upon coming to the end of this contract only owing $which im proud of I was speaking with one of CNACs reps whos name is Hellen M*** and she told me that zthey could help me with a mechanical loan which I could pay back monthly as long as I was able to put some sort of money down towards the paymentShe stated to me that her finance manager approved the loan because I was at the end of my payment agreement only owing $to satisfy the loan on the car to own it, so I make an appt to bring the car and after a few days I receive a call from a man telling me they cannot approve me for the mechanical loan and that if I want I could trade the car in and persist on trying to get me to get into another loan and I was adiment that hellen m*** stated the loan was completely approved and I told hellen that the transmission was bad along with a f

I purchased a vehicle at JD Byrider from *** *** On May I was driving the car suddenly stopped, it lockedI had no choice but to leave the car there, MonI called JD and spoke to *** *** he did say that I have to have the car towed to the shop, (in which they do not cover).I spoke to *** the mechanic I explained what happened he told me that he will take a look at itTuesday he replaced the starter and the car still did not start in which he then would have to do a diagnosticWedmy fiance spoke with him and he said it may be something electrical she asked him how long will it take he said to her well I have other cars that have appointments before you that I have to take care of.she NEVER asked him to leave the other vehicles to look at ours, *** did call back and said the moter had seizedI did ask how and he could not explainHe said he would have to order a new moter and it will take a couple of weeks that I can pick up a loaner that it will be read

I bought my *** *** on 09/15/Three days after purchasing the vehicle the check engine light comes onWhen pulling the codes it shows that the shifting solenoid is bad, which is supposed to be covered under the warranty I paid extra forI have had the vehicle in for service times since this has happened, they continue to replace the belts which I have paid full cost forThey say they see the code but can not replace the shifting solenoid due to the fact they "can not duplicate the issue" where as if they actually test drove the car like they told me, they would have been duplicate the issueI have been dealing with this every day for the past year
Basically, the warranty was worthless because they will replace things that are not covered under warranty, and never really fix the problem that exists for whatever reason they come up with

After receiving this information, our Manager *** *** contacted the customer and replaced all the references she requested. This should have been done on her initial contact with us

I am sorry to hear of the dissatisfaction Mr*** has expressedAlthough we strive for complete satisfaction with every customer, we realize we can't satisfy the wants/needs of everyone. Our records indicate Mr*** moved away from this area making routine service with our
dealership impossibleWe understand those challenges, however, proof of adequate preventive maintenance is still required in order to honor a warrantyWe are no different than any other service provider with a warranty
With that being said, our dealership/finance company still offered to absorb the majority of the repair cost provided Mr*** contributed as wellI would think asking for $to cover the cost of a $1500+ repair is more than fair, especially in the absence of documented maintenance designed to reduce the chances of engine failureMr*** also noted his dis-favor with pricing, Blue Book value, etcUnfortunately, credit challenged buyers have to pay a premium for this type of financed purchaseThe lender takes on an inherent risk and has to design a financing program to factor in that riskHigher pricing and higher interest are a big part of that - quite compliant within all applicable local, state, and federal lawsAlthough upset now, Mr*** was thrilled when he was actually approved for a financed purchase
As far as his request to "settle the debt" - the only way to do that is to fulfill the contractual balanceHe can either resume payments, get the account in good standing and work within the parameters outlined for repair, or this will be treated as a repossessionThe collateral will be sold at public auction, the proceeds from such will post to his account, and any remaining balance charged off and reported as such to all major credit bureaus

In the case of *** ***, we have reviewed this matter with the full cooperation of the J.DByrider/CNAC franchise in question. *** *** is upset regarding his vehicle. *** *** purchased a *** *** on December 27, from the J.DByrider franchise located in
Easton, PAThevehiclewascoveredby a24monthor24,mile service agreement which mainlycoveredthe major components of the power train. While 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 to ensure its continued use. Unfortunately, the service agreement is no longer validdueto *** *** exceeding the mileage limitation. Please note that the service center upheld their service agreementobligationsin full. Account notes indicate that *** ***’s vehicle has only been in to the service center three times since purchasing, and that he has had zero out of pocket expenses for repairs. Given the cost of the current needed repairs, management did offer *** *** a mechanical loan to assist. He was also given the option to trade out his vehicle. If he would like to move forward with the repairs, it is recommended that he contact the service center at ###-###-####J.DByrider strives to achieve the satisfaction of every customer. TheJ.DByrider/CNACfranchisewassorrytolearnof *** ***’s dissatisfaction as expressed in his complaint to your office. *** *** is welcome to retrieve his vehicle from the service center, however, there is a fee that is owed. TheJ.DByrider/CNAC franchise will continue to accommodate *** *** to the best of their abilities, and hopes to move forwardamicably in their relationship with him.Thanks,J.DByrider/CNAC Customer Service

Ms *** rejection of the response doesn't change the facts of the situationNotice of deficiency balance was sent after the vehicle was sold at the auction as required by law and that was the balance of the loan at the time of sale at the auction. Please contact us at the number provided to come up with a possible workout plan on the debt

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered]
Complaint: ***
I am rejecting this response because:
Regards,
*** ***

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered]
Complaint: ***
I am rejecting this response because:I shouldn't have to pay for another Catyalic converter it was already a problem with it when I first got the van they had to replace it and or times since then in one yrthey say it was defected.
Regards,
*** ***

On August of I purchased a *** *** from J.DByriderUnfortunately, the vehicle has not been satisfactory from day I purchased the vehicle with the limited warranty that was only worth 3,for 11,Also the vehicle was given to me with an inspection sticker that expired within monthsAfter taking the vehicle back they put a new inspection sticker on the carHowever, at the time of purchase I notified them about the problem with what I thought was the wheel barons at the timeBecause my warranty expired a few days too late they would not work with me to fix the issueI had just started a new jobSo I continued to drive the car throughout the year with this problem because I couldn't afford repairsBesides the oil change and tune up there was no accidents or repairs done on the carI thought maybe I just needed a wheel alignment and some new rotorsTires kept getting bald with the wire coming out of itFinally October it was time for a new inspe

Complaint: [redacted]
I am rejecting this response because:
I do not recall accepting the fact I still owe them money, I remember recieving some kind of mail stating the car was sold at auction. I don't believe I should have to pay for a car that has already been sold to somebody else. I spoke to [redacted] because I was having a hard time finding a job and paying for the car and insurance was more stress than help. I had already tried to return the car once.[redacted] called like once a week to "check on my money situation" and it was too much and we got into a verbal altercation where I said I didnt want the car. then I spoke to her boss within a couole days who agreed we would leave it as it was because we both were at fault for the problem. I recieved the letter about auction AFTER all of this.
Sincerely,
[redacted]

At this time, the position of the J.D. Byrider/CNAC franchise has not changed.
Thanks,
J.D. Byrider/CNAC Customer Service

At this time, the position of the J.D. Byrider/CNAC franchise has not changed.Thanks,J.D. Byrider/CNAC 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 the CNAC
franchise’s application process.
Records indicate that Mr. [redacted] visited the
J.D. Byrider/CNAC franchise located...

in Easton, PA on June 2, 2015
to apply for auto-financing. 
Unfortunately, Mr. [redacted]’s application was denied.  Per management, Mr. [redacted] did not have a
valid Pennsylvania driver’s license.  He
supplied CNAC with a Pennsylvania identification card.  Contrary to Mr. [redacted]’s original complaint,
CNAC did not pull his credit.  Whenapplyingfor credit, Mr. [redacted] provided his
consent for the CNAC franchise to review his credit bureau.  CNAC reviews the potential customer’s current
financial obligations, as well as their previous payment history in order to
determine their repayment ability.  Please understand that the CNAC
franchise holds this responsibility in the highest regard, and takes all of the
appropriate underwriting steps in order to ensure a sensible lending decision
is reached.
Mr. [redacted] should be aware that a review of
his credit bureau is not the same as pulling his numerical credit score. 
The CNAC franchise does not believe that basing a lending decision solely upon
a consumer’s numerical credit score is an accurate measure of future repayment
ability.  For this reason, CNAC reviews theapplyingcustomer’s credit bureau, but does not
pull their numerical credit score. The J.D. Byrider/CNAC franchise prides
itself in providing consumers with less than ideal credit afinancingoption, and wants consumers to
understand that a low numerical credit score will not solely disqualify them
from receivingfinancing. 
Per
management, Mr. [redacted]’sapplication was denied due to not having a valid driver’s
license and because his income to expenditures did not provide an excess that
was able to support an automobile payment.  Mr. [redacted]’s credit score was
not pulled nor reviewed during the underwriting process.
J.D.
Byrider strives to achieve the satisfaction of each and every customer. 
The J.D. Byrider/CNAC franchise was sorry to learn of Mr. [redacted]’s
dissatisfaction as expressed in his complaint to your office.  The J.D.
Byrider/CNAC franchise welcomes Mr. [redacted] to contact the dealership directly
to further discuss the application process, and
answer any questions that he may have.  Please
call ###-###-#### and ask to
speak with the Sales Manager.  Thanks,J.D. Byrider/CNAC Customer Service

Complaint: [redacted]
I am rejecting this response because:
II was told by the manager I was willingly giving the car back, not defaulting, I was done dealing with JDB after your employee cursed at me over the phone, while telling me about what she thought about me. I still do not ever wish to do business with them, and will not. When I spoke to her manager the next day we agreed I would give the car back to just be done with everything I DID NOT want to owe any money or have anything negatively impact me. I was under the impression this was the agreement and then some months later recieved a letter stating the car was sold. I won't pay a debt for a car not only I no longer own, but jdb no longer owns. I did not take out a cash loan on the car, I financed the car with them. I was treated the worse I've ever been treated by so called customer service and have no desire to speak or do any kind of business with said company again
Sincerely,
[redacted]

[redacted]
 [redacted]
I am rejecting this response because:Total lack of communication on their part. Management has been dishonest and quite frankly have not communicated as well. Was told the vehicle was at the [redacted] location for repairs and it wasn't it was in the back of the [redacted]
[redacted]
[redacted]

In the case of [redacted], we have reviewed this matter with the full cooperation of the J.D. Byrider/[redacted] franchise in question.  [redacted] is upset regarding her account.  As a result, she is requesting no further contact. [redacted] purchased a 2002 [redacted] on April 24, 2014...

from the J.D. Byrider franchise located in Easton, PA.  Records indicate that she recently fell behind on her contractually obligated bi-weekly payments.  In theevent that a customer becomes delinquent, [redacted] will call thecustomer at their primary phone number to remind them of the missed payment(s).  If the customer is unreachable at their primary number, [redacted] will utilize the remaining contact methods in an attempt to get a message to the customer and establish a line of communication.  Please note that [redacted] consented to these terms at the time of purchase.  The [redacted] franchise denies any wrongdoing, and abides by all state and federal guidelines in their collection practices.  J.D. Byrider strives to achieve the satisfaction of each and every customer.  The J.D. Byrider/[redacted] franchise was sorry to learn of [redacted]’s dissatisfaction as expressed in her complaint to your office.  In the spirit of customer service, management has removed [redacted] from email communication.  However, she cannot be removed from phone calls, as all customers are subject to reminder notifications when their account is in delinquent status.  [redacted] would like to remind [redacted] that these calls are necessary when her account is delinquent.  If [redacted] would like to set up automatic payments on her account, it is recommended that she contact [redacted] at ###-###-####.Thanks,J.D. Byrider/[redacted] Customer Service

Ms [redacted] did purchase a vehicle in May of 2014.  Ms [redacted] did not rent this vehicle.  She signed a retail installment contract to purchase the vehicle.  In July of 2015 she called and advised our company that she was moving to Iowa and to come get the car.  In addition, she spoke...

to another representave of our company in August 2015 when her car was being sold at auction and stated then that she understood that she was responsible for the balance and would call to make arrangements.  Unfortunately, the sale of the vehicle at a dealer auction did not satisy her loan and she is still responsible for the balance as she agreed to.  Please have Ms [redacted] contact us at [redacted] to discuss a possible plan to pay the remaining amount of her loan.

In
the case of [redacted], we have reviewed this matter with the full
cooperation of the J.D. Byrider/[redacted] franchise in question.  Ms. [redacted] is upset regarding her
account.  As a result, she would like to
return her vehicle and have her contract cancelled.
Ms.
[redacted]...

purchased a 2008 [redacted]5 on June 19, 2015 from the J.D. Byrider
franchise located in East Stroudsburg, PA. 
Prior to purchase,
Ms. [redacted] went through a closing procedure where the contract was reviewed.  During
this time, the purchase price and financing terms were explained
to her.  Once she stated that she understood the agreement, she then
signed her name to the contract. Comparing the
purchase of a vehicle through the J.D. Byrider program to the pricing listed
from a third-party is not an accurate measurement of vehicle value. 
The vehicles that are sold through J.D. Byrider undergo not only a
comprehensive pre-sale inspection, but also a significant reconditioning
process prior to sale.  A third-party’s estimated resale value of the
vehicle would not take these factors into consideration.  The purchase
price of the vehicle was clearly outlined in the Retail Installment Contract
and Security Agreement signed by Ms. [redacted] at the time of purchase, and was
referenced multiple times throughout theclosing process.  The J.D. Byrider/[redacted] franchise denies
misleading Ms. [redacted] in any way regarding her purchase.  Per management, [redacted] has no record of
speaking with Ms. [redacted] regarding her account.  Account notes indicate that Ms. [redacted]’s
first contractual payment is due August 28, 2015.
J.D.
Byrider strives to achieve the satisfaction of each and every customer.  The J.D. Byrider/[redacted] franchise was sorry to
learn of Ms. [redacted]’s dissatisfaction as expressed in her complaint to your
office.  Nevertheless, the J.D.
Byrider/[redacted] franchise is unable to adhere to Ms. [redacted]’s requested
resolution to accept her vehicle back and cancel her contract.The
J.D. Byrider/[redacted] franchise will continue to accommodate Ms. [redacted] to the
best of their abilities, and hopes to move forward amicably in their
relationship with her.Thanks,J.D. Byrider/[redacted] Customer Service

At this time, the position of the J.D. Byrider[redacted] franchise has not changed.Thanks,J.D. Byrider[redacted]