JD ByRider

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, Christopher [redacted]

Dear [redacted] I have read the [redacted] complaint and have researched their history with our company thoroughly They have purchased vehicles with us over the years and are valued customers However, they have neglected to include a few details that are necessary to complete the history Their first car was never brought to our location for service so I cannot speak to their experience with that vehicle Their second vehicle was a PT Cruiser that they owned from January 08, until they purchased the Impala on December 29, That vehicle was in our shop for service twice, once because the coolant had been overfilled and another for wheel bearings From the date of purchase until the last date we serviced the vehicle, May 16, (a little over months); the [redacted] had driven the vehicle 33,miles with no other service or maintenance that we can document That is puzzling given that we provide oil changes to all of our customers for only $9.95, a price which doesn’t even the cost of supplies for the typical consumer The Impala which has generated this complaint, was purchased on December 29, with 110,miles and has been in for service a total of times According to our records, the last date of service September 30, where the odometer read 155, A total of 45,miles were driven in months of ownership We did replace a transmission under the J.DByrider Limited Warranty Agreement, at no cost to the [redacted] Additionally a water pump was replaced, an exterior light, some water hoses and a CV Axle, most of which was also done at no charge in accordance with the Limited Warranty Agreement that was included in their purchase The [redacted] are now out of the Limited Warranty period of Months or 36,miles We still provide $oil changes and they still have never brought this vehicle in for one I feel that we have provided significant value, in the form of Warranty service and the sheer miles driven by the C [redacted] commensurate with the price being paid for the vehicle Of course, any vehicle requires maintenance and repairs The more a vehicle is driven, the more maintenance and repairs it will require The only issue that has never been addressed is the windshield leak, something that is not covered by the J.DByrider Limited Warranty The vehicle has obviously performed well enough to have driven a significant number of miles in a very short time I see no compelling reason to accommodate the unreasonable request made by the [redacted] We are always willing to diagnose a vehicle for a customer and any repairs made under the Limited Warranty Agreement are covered by that Agreement Please feel free to contact me with any additional questions Regards; [redacted] General Manager

Good Afternoon We, as always, appreciate the opportunity to discuss any concerns and/or issues relating to our business I would like to acknowledge that Mr [redacted] is accurate in the date of sale and with the details regarding the vehicle make and model The vehicle was purchased through a retail installment contract specifically for used car purchases J.DByrider is the largest retailer of Used Cars in the United States We have a proven track record of providing quality used vehicles to customers throughout the company, our franchise has served the [redacted] area for over two years with an exceptional customer rating measured through the Revdex.com, as well as, customer reviews As with any vehicle purchase, new or used, there is always the potential for mechanical failure or issues that require attention We realize that these issues can be frustrating and that although present in every vehicle purchase, the cost of ownership is rarely well received That is why we feel it is important to back our vehicles with a month / 24,mile warranty to cover some of those costly repairs that vehicle owner may face within the first two years after purchase We are one of the few dealerships in our segment of the marketplace that offer a warranty I have spoken to Mr [redacted] personally in our service office regarding the repair of the doors on the vehicle In this case, there was a miscommunication within our organization which caused the issue to not be properly resolved I apologized for the need to address the issue again, and in this case, we provided a loaner car to Mr [redacted] for use while we addressed the door concerns This is worthy of notation as we do not typically provide a loaner vehicle (this is stated in the closing paperwork signed and acknowledged by Mr [redacted] at the time of sale) Our organization also offers huge savings on any repair that may not be covered under the warranty, with parts provided at our cost and a labor rate at less than half the national average Our service team has an appointment scheduled with Mr [redacted] to look at concerns he has raised with the vehicle I want to be clear, it is our mission to ensure we fulfill the warranty we provide on every car we sell Our Service Department’s only clientele is customer’s just like Mr***, they want to ensure the car is in good working order and are evaluated on their ability to do so However, to provide the best possible service cooperation and professional communication is needed from the customer side of the equation Constant calls with threats of calling the State of Wisconsin, the Revdex.com, and other entities is not the type of behavior that leads to prompt and efficient resolution I am aware of the terms of both the sales contract and the vehicle warranty that we provideI can assure all parties that we are operating within the terms of both of those documents Our business has nothing to hide and is regulated by the State of Wisconsin, who finished their annual business evaluation and found us to operate within the laws governing our business It is important that everyone understand that the contracts are binding to both parties, and that accepting this responsibility would avoid these types of complaints Issues not covered by the warranty are the customer’s responsibilityAlso, service issues do not impact the loan agreement and does not change the payment terms All pricing is covered with the buyer prior to sale, and all costs are also acknowledged and accepted prior to consummation of sale Thank you for the opportunity to discuss this issue and provide a response for the record We are always glad to help clear up any concern However, I think we can all agree that any dispute is more effectively resolved by the two involved parties communicating directly This will conclude our public discussion of this matter If Mr [redacted] has additional questions and/or concerns he should contact the Service Department in [redacted] directly at ###-###-####, Brandon would be happy assist himThank You [redacted]

Dear Ms [redacted] , I have completed a full review of complaint # [redacted] I have found that on February 28th, CNAC did process Ms [redacted] ’s payment for loan # [redacted] in errorCNAC has addressed the issue with Desiree [redacted] , apologizing for the error, applying a courtesy payment to compensate her for her troubles, and removed all payment information as she requestedPlease feel free to contact our office with any further questions or concerns regarding this complaint I would be happy to assist you in any way possiblePlease feel free to contact our office with any further questions or concerns regarding this complaint I would be happy to assist you in any way possibleSincerely,Gina [redacted] CNAC [redacted] ** ***Telephone – ###-###-####Fax – ###-###-####

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, [redacted] ***the reason why it has been times in the shop and not the is because I was told that the other two are not covered under warrantyso I had to pay for the part and repair my selfand what about the car that went up in flames that I also took to them for repair and nothing got done about that

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below.It states that I didn't clear up the matterI actuallyI went into the office to take of the payment in cashCNAC had caused my account to be so far overdrawn...with their delay in paymentThey call me leading up to a payment...to remind meBut couldn't call me to let me know there was a delay? I could arranged some things within my account to prepare for that since I was under impression that I had taken care of the payment alreadyEvery other time in the past years it has been taken out immediatelySo why would I even question this payment not going through? They caused a lot of turmoil on my end that I am still dealing withAnd when I tried to call and talk to the manager, he just yelled over meMaybe they have had to explain the situation to a lot of peopleBut they can't take their frustrations out on customersI'm very dissatisfied with this companyMoving forward I will be cancelling any and all cards that may be associated with this account and only pay in cash moving forwardPoor customer service skills is an understatement! [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, Desiree [redacted]

ResponseI have reviewed Ms***’scomplaint Despite being submitted on December 31, 2014, I did not receive the complaint until January 05, Since that time, numerous attempts have been made to contact Ms [redacted] with the intention of resolving the issue Each time, the calls are either blocked or they are not returned when a message has been left.In reviewing the history on the account, it gives one the impression that Ms [redacted] might be using the Revdex.com Complaint process as a smokescreen The account is not in good standing and has not been since November The account is not in good standing for more than one reason Since November 15, attempts to contact Ms [redacted] have been made None, not a single one, of those calls have been returned Yet, she complains of harassment I fail to see how one can be harassed when one does not even speak to the alleged harasser I fail to see the validity of a complaint that is filed and, when we attempt to resolve the alleged issue, the accuser leaves the matter unattended.It seems clear to me that Ms [redacted] had no intention of making a valid complaint and she had no intention of trying to work towards successful resolution I am quite certain that the calls that she claims to have received did not originate from my employees and did not originate from any of our facilities I know this because we record our telephone calls and those alleged calls were not found Finally, Ms [redacted] states that, as a successful resolution she no longer wishes to deal with our company If that is the case, she may surrender the vehicle at any time or she may make payments per the terms of the contract which she signed and properly insure the vehicle Either of these options will result in no longer dealing with our CNAC other than making payments (which can be done online) though I believe that there are better ways to resolve this issue if we were able to speak with her Neither partycan promise a perfect experience to the other but, through open communication and meaningful and truthful dialogue, most issues can be overcome.I can be reached at 1-740-373-or 1-740-434-extshould the either the complainant or the Revdex.com (of which we are proud members) wish to discuss the matter further with meRegards, Mark MorrisVice President and General Manager

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below I do not, did not, and have never lived at the address listedI have repeatedly informed JD Byrider and CNAC of this fact I have contacted JD byrider and CNAC at least once monthly since October I sent written mail in March of No response was ever made to these contactsI had explained to them on multiple occasions that I worked hour days, and attended gradate school nightly, making phone contact very difficult to impossible and asked that they communicate with me via email They would only call me leaving messages saying "please return our call" I did excahnge emails with a representaive of CNAC in February of who indicated that the payout balance on this was a little over $ There was no mention made at that time of a "right to cure" letter which had been sentAs for the comment regarding loan balance, I made payments every weeks for the term of the loan, as was established When I missed a payment I then paid the balance due in full Yet after two years of paying monthly, I was told that I still owed over $This did not seem right to me, and when I asked for clarification none was given Regards, [redacted]

We received the complaint # [redacted] , and the corresponding comments Originally the customer was satisfied with the resolution that we had provided, but after the most recent breakdown, she has now changed her mind Unfortunately, the repairs that are needed to make the vehicle operational, are not related to any of the repairs we have diagnosed or looked at in the past The timing belt on the car has broken, and very likely has caused internal damage to the engine As stated on our previous response, the vehicle warranty expired in July Because of the lower mileage on the car and the remaining time on the loan, we have decided to cover this repair at no charge Also the time the customer will be without the vehicle could go up to weeks, with our current schedule, and availability of parts When I spoke to the customer, she agreed to this, and we are starting the process In regards to the lack of power issue, as well as any other mechanical problems, we can address those better once the vehicle is drivable I discussed with the customer that it is a used car with over miles on it It is going to have some squeaks and rattle noises We have not identified anything that we can say is a safety concern I believe there has been a slight miscommunication, as we did recommend the customer seek out a 2nd opinion on what is needed for the car, but only as we are having difficulty duplicating and diagnosing the concerns Another repair facility may have different diagnostic equipment to duplicate or isolate some of the issues I advised the customer that if some of the issues are still present after the engine is replaced, I would also recommend another shop take a look at it, just to get a different perspective on what is going on I also advised her that we would like her to take 30-minutes to take a technician for a test drive, and show us what is occurring, and when This will aid us in repairing the vehicle correctlyThe customer understood this and agreed that was a suitable plan In summary, we are going to repair the engine of the vehicle at no charge to the customer, and will continue to look at the other issues, if they are still present This will be a one-time courtesy The repairs from the original complaint were completed to her satisfaction, and are not related to the issue of her current complaintThis complaint should be closed due to that reason Please feel free to contact us if there any further questions or concerns We are happy to assist in any way we can.Thank You

The customer by the name of ***/ [redacted] has been permanently deleted from our systemHis name(s) contact information was deleted to stop the customer from receiving phone calls, emails, letters etcSome emails, letters are automatically generated in the system when a lead is entered into the systemI checked by his phone number and it is not listed on the DO NOT CALL LISTI have also checked in our system and we do not have [redacted] / [redacted] in our systemI, do however show a [redacted] who inquired online back in March of this yearI have sent you screenshots of our computer system documenting thisThe customer has not received any phone calls, emails, or letters since 07/13/We have DEAD DEAL this account which will stop any further correspondence with this customerWe have NOT contacted this customer to resolve as this is the customers requestPlease feel free to contact me directly should you have any further questions or concernsI apologize for the delay in the responseI have responded to this with the prior notices however it appears to have not reached your office

Good MorningWe would like to thank you for the opportunity to review and respond to concerns related to our business As you know we are always eager to provide any clarification and information possible to assist in better understanding of business practices.I was actually aware of this situation while it was happening, and honestly the public outburst that was on display was disappointing The facts of the situation are as follows: The customer came to our business looking for financing for a vehicle After completion of the application the information provided by the customer was reviewed for completeness and accuracy At this point the application is evaluated to determine if it qualifies to move forward to the next step of the process In this case the application was rejected from consideration.I understand that any time an outcome isn't what a customer hoped for that it can be frustrating However, the customer requested that the application and information be returned after the application was denied This is simply not possible A financial institution must keep all applications and information pertaining to that request for credit in order to provide explanations to agencies regulating credit (Wisconsin DFI, Federal Government) during annual examinations This is required to ensure institutions are not approving loans for unqualified customer (which would constitute predatory lending), and to ensure that any declined applications were rejected legitimately (which protects from discrimination)In addition, all information is recorded on internal documents that are property of our business.The remaining details including the call the customer made to the local Police Department (which no wrong doing was found) are all symptoms of a routine situation being interpreted in the wrong way We process many applications for credit and a number of those are rejected for one or more of several reasons All information is kept secured and maintained within the guidelines mandated by the Wisconsin Department of Financial Institutions As in all cases we find that any issue or disagreement is best resolved between the two parties directly involved However, we are aware of the customer's right to contact your organization with questions We have provided an explanation to the concern and our organization is considering this matter closed Thank you again for the opportunity to share the processC [redacted]

Good MorningThank you for the opportunity to respond to reported concerns regarding our business As you know, we are always happy to provide response to concerns and operate our business in a manner that leaves nothing for us to hide In regard to the complaint filed with your office on 9/12/2017, placed by [redacted] ***, our response is as written below:The vehicle in question was in fact purchased in December of by the consumer at our Janesville location A review of the service records indicate that the customer has brought the vehicle into our service department times with only one of those visits coming within the last months If other issues have been manifest with the vehicle, we were not made aware of them through service requests or appointments.It is not our practice to discuss the information pertaining to customer accounts in a public forum, however it is important to note that the conditions of the legally binding contract signed by both parties at time of consummation should be respected and upheld by both parties For our two companies the main points would be the administration of the Good To Go month / 24,Mile Warranty, along with maintaining the account to guide the customer through the process of advancement until the completion of the contract For the customer, the main points are making on-time payments and maintaining insurance coverage on the vehicle I am comfortable with the terms of the contract and the manner in which our team as lived up to those terms As a vehicle owner there is unfortunately a cost associated with ownership Regardless of whether the car is new or useda Honda or a Bentley mechanical failures and repair costs are an unfortunate consequence of owning a vehicle That is why we are proud to offer the warranty program mentioned above and offer reduced labor rates (half the national average) with parts at our cost to help offset that cost for our customers We are always here to assist with those issues, but we have to know the full vehicle history and have a full vision of any issues that have presented themselves with the vehicle All of this information has been provided to the customer, and a customer signature was received on these documents at time of consummation Also covered was the assignment of the contract The account in question does not belong to J.DByrider J.DByrider sold the vehicle and operates the service department, the loan is owned and serviced by CNAC During that conversation it is made clear that mechanical failure is no a reason to fail to pay the agreed upon payment in a timely manner Failure to pay timely places the loan in default.Thank you again for the opportunity to respond to the concern If the customer has any additional questions it is far more effective to contact the Janesville location directly Service issues should be directed to the [redacted] , Corey [redacted] , and issues with the account should be directed to the [redacted] , Karolina [redacted] The main number for the Janesville location is ###-###-####

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [To assist us in bringing this matter to a close, we would like to know your view on the matter.]You don't buy a car for 12,dollars and months later it only be worth 7-8,thats a rip offThis matter still needs to be looked intoIn no way am I satisfied with this investment Regards, [redacted]

Benita [redacted] Revdex.com of Wisconsin (Milwaukee) [redacted] RE: Complaint # [redacted] Account# [redacted] Dear Ms [redacted] , I have completed a full review of complaint # [redacted] CNAC apologizes for any inconvenience that this has caused Ms [redacted] , and is willing to refund any money that Ms [redacted] has accrued due to the delay in the payment processingCNAC would like the opportunity to earn Ms [redacted] ’s trust back, and show our intentions to provide quality customer serviceCNAC would like to provide Ms [redacted] with a courtesy payment to her account with CNAC once she contacts myself to let me know that is acceptable Please have Ms [redacted] contact Mike [redacted] at ###-###-####, so I could assist further with her concernsPlease feel free to contact our office with any further questions or concerns regarding this complaint I would be happy to assist you in any way possibleSincerely, Mike [redacted] Phone ###-###-####

Good MorningI would like to clarify, there was no implication that the incident was witnessed, the statement was made that I was aware of the situation In regard to the management comments, Samantha is the [redacted] that is the correct member of the management team for the customer to have interacted with Each section of the building is a different company and as such has a separate manager running those areas There is no general manager in any of our locations The consumer also mentioned an identity theft incident involving our business I can assure everyone involved in this correspondence that incident had nothing to do with our organization J.DByrider and CNAC are franchises owned and operated by different groups Our franchise group has never had any issues with employee dishonesty involving customer information, I cannot speak for other franchises.Again we have provided explanation and clarification regarding the original request, and now the follsubmission We stand with our statements and can reference several factors, including an +A Revdex.com rating, to substantiate our position as a business operating completely above board in every community that we serve I am sorry the consumer has perceived a negative experience.Thank you again

I reviewed Mr [redacted] complaint and have spoken with the staff that were present during Mr [redacted] experience including those who spoke with him after he left He has called the store and spoken with management staff.A key step in the Byrider sales and financing process involves reviewing the applicant’s budget to determine the ability of the applicant to make a regular car payment It is one of many things that distinguishes J.DByrider from other car dealers We, in fact, take into consideration whether the customer can afford to make a car payment and we will not move forward if we do not believe that they can In this instance, Mr [redacted] did not provide any documentation to prove that he had the income that he states It was determined by the staff that it would be setting Mr [redacted] up for failure if he were to take on a car payment Other car dealers may proceed but we do not and we will not compromise where affordability is concerned This can be a difficult message to deliver to a potential customer and it can be a very unpleasant one to receive I have faith that the staff at the [redacted] J.DByrider did their best to treat Mr [redacted] with the dignity and respect that every customer deserves If that did not happen, then I apologize Furthermore, we will be addressing the issue with additional customer service training for staff members at all of our J.DByrider locations.We wish Mr [redacted] the best and appreciate his desire to express his dissatisfaction with the experience I assure you that we will learn from this experience and strive to do our very best when serving all of our customersRegards, [redacted]

The response provided previously contains all the information that we are able to disclose in a public forum In summary, the repossession was executed due to the terms of the contract not being met by the consumer There are no further details regarding this account to share that have not been addressed in earlier responses.If the consumer has additional questions regarding the outstanding balance after collateral disposition, they should be directed to the CNAC branch Thank you again

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me I have seen/read your last emailI guess this case is now closed, which is fine by me I just want to thank you so much for taking care of this complaint on my behalfI do truly appreciate for taking a moment from your busy schedule to handle this minor complaintJust a brief update, I have not heard anything from the company and that's all I wantedSo, I guess this case is closedSo, have a great holidayAnd Thanks so much for your time and effort on getting this case so resolved and closed

I have completed a full review of complaint # [redacted] I have found that on December 15th, MrSarah [redacted] and Chad [redacted] did agree to purchase the Pontiac Gat a purchase price of $11,The retail installment contract was agreed to and signed on December 15, agreeing to the sale of the vehicleJD Byrider follows a strict policy for our pricing, and is in line with the subprime retail auto sales industry As far as the conversation had with CNAC I have pulled all calls from that time period and would like to discuss the concerns stated, and a resolution I have available for this concernCNAC/JD Byrider would not be able to meet the desired settlement stated on this complaint as there was nothing found to warrant any wrong doing by JD Byrider or CNAC.Please have either customer to contact me directly to discuss further, I would like to discuss any concerns he has regarding repairs he can contact CNAC/JD ByriderPlease feel free to contact our office with any further questions or concerns regarding this complaint I would be happy to assist you in any way possible

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below I got the message like I said before I still reject there is no reason why the hub assembly keep going out every few months then on top of it they wear down the tires so that is another cost that I never brought up I am still asking they take off or off my loan for all the times in the shop your right my car was under warranty but didn't have any problem at the time but am now having several the car didn't run for three months had to pay to get that fixed five time for the hub assembly and now there is a big clunking noise from the front end so I think it's only far they pay for some of it not asking for it all and there is no where close to me where there is a jd byrider except miles away Regards, [redacted]