J.D. Byrider Auto Sales

Unfortunately in an effort to recover our collateral, because the customer would not return it or pay for, we took repossession steps to locate and secure our collateral. The process after that point require that we report to all credit reporting agencies with correct information regarding the repossession. altering the credit reporting process would be a violation of the FCRA. as stated in our previous response, we have released the customer from her obligation to pay us the remaining balance.

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Complaint: ***
I am rejecting this response because: This information is not accurateI called Jd Byrider on several occasions expressing my concern of not being happy with my purchaseAfter the transmission went out weeks of having the carI also expressed my concern about having on going issuses with the car after the transmission was repairedAt the point all they were concerned about was collecting money on the accountNo re was given to address my concernI recall speaking with Shawn Jones at Cnac on several occasions about the issuesEven asked if they would just come pick the car upI no resolution was givenBecause it was not benefits meHowever they did not do thatThey continued to withdrawal money from my bank account and disreguarded my requestI feel like I was sold a lemonAnd for that it should be moved from my credit filesI did try to resolve this issues with jd byrider and was not able toI also am disputing unauthorized hard inquires on my credit reportThat is showing negative on my credit reportI am requesting that the be removedOr I need documentation showing that I authorized jd byrider to pull my credit on these dates
Regards,
*** ***

***, our general manager has tried reach to Ms*** however no voice mail is set up on her phone, My name is *** ***r, the owner of the Savannah CNAC and I would like to talk to Ms*** myself so we can come to some type of resolution After I have reviewed her response I invite her to please give me a call me on my cell phone ###-###-#### I have reviewed the string of emails between her and our collections representative and I being in her shoes agree that this matter could have and should have been handled in a different manner Ms*** mentioned that her husband is a veteran and I highly respect that and have in fact have a management team made up of mostly of veterans who served in both Afghanistan and Iraq Please be assured that all I want to do is rectify the situation if Ms *** would be so kind as to give me a call

While it is not our intention cause undo hardships on any customer, we are bound by our obligation (FDCPA and CFPB)to report to the credit reporting agencies accurately and efficiently as possibleWe have removed the customer's obligation to pay $that was still due on her contract,
but I think this customer also wants to remove her credit history as wellin an effort to remain in compliance with Federal Trade Commission we will not be able to remove the payment history of this account

Unfortunately in an effort to recover our collateral, because the customer would not return it or pay for, we took repossession steps to locate and secure our collateral. The process after that point require that we report to all credit reporting agencies with correct information regarding the repossession. altering the credit reporting process would be a violation of the FCRA. as stated in our previous response, we have released the customer from her obligation to pay us the remaining balance.

Dear Sirs,Please except this response to Mr. [redacted] complaint.   Mr. [redacted], our customer is correct on the misreporting of his former car note on his credit.  I spoke with the customer this morning and apologize for what was flat out human error.  The issue has been taken care of in our...

system and it would be my hope he will see the correct reporting during the next reporting cycle.  Mr. [redacted] credit should now report a $0 balance, paid as ag[redacted].  I will be sending Mr. [redacted] an email to that effect today and should he have any more questions or concerns he is welcome to call me on my personal cell phone@ ###-###-####.  I again apologize for this error and thank Mr. [redacted] for his patience. [redacted]Owner

In reponse to Ms. [redacted]’s complaint the facts are as follows: On 6/17/13 Ms. [redacted] purchased a 2004 Chrysler Concorde LX. At the point of purchase the vehicle had 72891 miles on it and was in good condition. Ms. [redacted] was given and 18 month 18000 mile warranty the date of purchase. On...

8/13/14 the car was dropped at our lot the tag was removed, passenger window left down with no key and the current mileage is 94821. Cnac has tried to reach out to Ms. [redacted] to resolve the issue but Ms. [redacted] is demanding a replacement vehicle. Unfortunately this is not an option at this time. The last contact CNAC had with Ms. [redacted] was on 9/5/14. At that time she indicated she would be back on Monday 9/8/14 to meet with management regarding here issue. As of today 9/9/14 we have not heard back from Ms. [redacted]. The vehicle is here and is unable to be diagnosed since Ms. [redacted] left the vehicle on our lot on 8/13/14 and removed her license plate and left no keys. I am available to speak with Ms. [redacted] to help her get her car fixed. Even though Ms. [redacted]s warranty is expired due to mileage the Jdbyrider service department only charges a labor rate of $40 an hour compared to the national average of $89 an hour and parts are passed on to our customers at cost. I will be more than happy to meet with Ms. [redacted] so we can work together to get her car back on the road.                                     �...⇄                                         ...⇄ Respectfully                                                                                                     [redacted]                                                                                                  General Manager

The account in question was charged off on 10/23/2010 and the account was sold to a Collection Agency on 12/31/13. CNAC no longer owns this account or debt and the credit bureau has been updated to reflect this information. Regards [redacted]

I have reached out to Ms. [redacted] via phone and email so we here at JDBYRIDER can work with her to find the best solution for both parties. Regrds [redacted] G.M.

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is...

received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because: I have tried to make arrangements but they were not accepted. Their response  is  a lie. I have emails to prove so
Regards,
[redacted]