JD ByRider

The customer has indicated that the account still shows open on her credit report The account was processed last month, I personally processed it, so I will need to follwith the Credit Bureau to make sure the reporting of that account is properly updated

This is not getting anywhere obviously for the company and for myselfI will have my attorney look into further detail with the problems that I am facing

I have completed a full review of complaint # [redacted] CNAC experienced an error with our payment processing company, and worked diligently to remedy this for all customersCNAC does apologize 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 serviceWe know Ms [redacted] has been an excellent customer for CNAC since the account opened in September of CNAC would like to provide Ms [redacted] with a courtesy payment toward 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 AfternoonLegally binding contract are not open to negotiation after consummation This is a legally binding agreement requiring the contract be paid as agreed by the customer Mr [redacted] claim that he is withholding payment is default of that contract and will be treated as such As I stated in prior responses, my office has no additional information for Mr*** The only thing I can personally do for him is discuss the issue with my service department (which I have done), and advise him to bring the vehicle in and speak with Brandon in service Additionally I would advise Mr [redacted] to make the payments he is contractually obligated to make per the legally binding agreement that he signed at time of purchase.To recap the only resolutions that can be made in this case are as follows:1) Contact Brandon in service, schedule an appointment, bring the car in for service.2) Make payments as agreed per the sales contract.These steps will ensure that Mr [redacted] has his car properly evaluated, and will ensure he stays out of the collections process avoiding the next steps by our company to protect our interest

They all was rude nobody helped me every day I asked for a manager and nadya would tell me they are in a meeting a day every day and would hang up on me then when I tell them I would wait they would hang up on me and say I can't and Christina would do it to and not only that they would not help not offer me a payment arrange ment but yet came and got the car after days when I offered to pay they told me I was forced to pay a extra then when a manager got on the phone she hung up on me too I had to force kc towing to give me my stuff back with no help from jd

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 I do not appreciate the comment that UPS reportedI did not have the opportunity to solve the problem before I leftI tried to have them solve the problem while I was there, but the guy that did the service, plus the man looking woman told me in no uncertain terms that they do not make mistakes and could not understand what the problem was, since that there was no way they could make a mistakeI told them all I wanted was a few copies and we would call it even, but once again I was told we do not make mistakes, then that is when I cussed and left the businessNever once did they back down from saying they were perfect and didn't make mistakes or offer to resolve the problem, So their response is a told lie, and they are trying to cover there own butt Regards, [redacted]

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.Ultimately they refuse to admit thatvthey broke Wisconsins self repossession lawThey refuse to disclose why the letter dates 1/23/sat in there office till 2/1/17...sorry Carolina has blamed the USPS instead of accepting responsibility They have told me and my wife thing abd tge Revdex.com a complete different story claiming a non existent "miss communication", ultimatelythey ethier lied to myself and my wife or the Revdex.com, or to bothThey claim alot but ultimately with the information ive provided the Revdex.com information that shows how incompetent JD Byrider, CNAC, Andrew and Carolina have been with this situationUltimately the days required by Wisconsin State law was not met so Ultimately CNAC and JD Byrider broke the law, it is that plain and simple and not once have they acknowledged the missing days of the letter dated 1/23/that was mailed 2/1/minus blaiming everyone else [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, Gregory [redacted]

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. "Fixing or replacing the engine" by JD Byryder is no longer an acceptable remedy. Since, I was given an extensive amount of paperwork from JD Byrider, upon my request I do not feel that this offer is equitable. The paperwork I now have in my possession proves the J.D. Byrider was aware of the issue with the engine. The symptom of vehicle "running rough" is documented in the paperwork with other paperwork showing how this vehicle was pieced together like a puzzle form junk yard parts. This alos was not disclosed to me. Yes, they gave me a fake car fax. But, the real car fax shows this vehicle has 58 records and was in a very major accident!! Yet, I was told time and time again by [redacted] Hurbutt at J.D. Byrider that the vehicle will seem like it runs rough because the engine is a straight 6 and not a V6 engine like the previous vehicle I had. I was also getting 5 miles a gallon and [redacted] also told Jme I was going to get worse gas mileage also, because of the type of vehicle it was. [redacted] went so far as to say he had owned one so he knows this. J.D. Byrider knew about the issue, tried to cover it up and up until I filed this complaint outright refused to fix my vehicle, because the told me "we can't reproduce what is wrong with it so we can't diagnose it or fix it". I have two witnesses to substantiate what was told to me, along with a plethora of paper work to back me up. I have spent over $1,000.00 on vehicle repairs already. After having chased after them to fix my vehicle! If I have to take my chances in court to get a full refund of what I have paid to CNAC Finance and JD Byrider for my vehicle down payment, repairs, etc. then I will take my chances, worse case scenario is the judge will order them to replace my engine then I will have to let them. I feel I have an excellent chance of getting what I want. Plus I already have enough junk yard parts on my vehicle!! I paid for a GMC Envoy I don't know what I got, but it definitely is not an Envoy!!!Regards, [redacted]

After having reviewed the history on [redacted] account, we would like to note a couple of items The first is to separate price from value [redacted] purchased a Ford Focus on January 02, for a sales price of $9, The current wholesale auction market has transaction prices for the week ending May starting at $and going as high as $3, So, if we use prices that are nearly months old, a flawed valuation but the best we can do, we clearly aren’t selling vehicles for five times the value And, book values factor in the prices paid for all vehicles in a specific make and model, including vehicles that are deemed total losses, don’t run or are in poor mechanical conditionAdditionally, [redacted] purchased a vehicle that had been inspected, reconditioned and came with a Month, 36,Miles Limited Warranty These add significant additional value As evidence, in nearly months of ownership, [redacted] has only been in for service one time This seems to indicate that he has enjoyed a vehicle that has been relatively free from service issues We make a great effort to and take great pride in selling vehicles that exceed the standard expectation of a used vehicle We also make every attempt to provide customers with great customer service when they do need support after the sale We do not believe that any customer experiences pressure to purchase a vehicle In fact, every part of our training focuses on customer experience and comfort throughout the entire buying experience We regularly survey customers and spend significant time augmenting associate training to make certain that each customer experience and associate interaction is in concert with our corporate values Quite simply, it seems unlikely that any pressure was applied or that [redacted] was not allowed to read any document that he wanted to readTt is our policy to follow FDCPA guidelines regarding the time and frequency of telephone calls when calling about delinquent payments It is worth noting that [redacted] s statement about inflexibility regarding payments is patently untrue as he is currently in a workout agreement that includes reduced payments How he can make a statement about inflexibility when he is in the workout process is confusingInterest rates are well below state usury rates and typically below what many other lenders might offer credit-challenged customers The purchase price of $14,noted by [redacted] is both and misleading as it may represent the total of his payments, including interest over time It does not reflect the price paid for the vehicle which is the standard definition of purchase price We charge a premium price while providing both a premium product and premium service, and we do so proudly Giving a misleading purchase price gives the appearance of attempting to “stack the deck” in favor of [redacted] positionThe Account Servicing Manager will be reaching out to [redacted] in an attempt to determine any additional needs that he might have and how we might be of service

I will try to address the issues in Ms. ***'s complaint in the order in which she outlined them. Regarding her comments "I have always made my payment on time", our records do reflect that Is not an accurate statement. Regarding her" transmission going out and our... Service Manager instructing her to have it towed to our facility": Ms. [redacted] signed an agreement at delivery that she understood and acknowledged that her warranty did not cover towing. Regarding "For several days, the tow truck did not make it to Milwaukee to retrieve my vehicle. Our records do Indicate that we sent THREE separate tow trucks to her father's residence and no one was there to meet them as promIsed. Our records also Indicate that despite there not being coverage WE PAID the tow bills. Regarding "th ere was even a time she hung the phone up and refused to talk to my Father ... I advised her father that I was unable to discuss the account with him as he was not on the account and after he screamed, yelled and cussed and told me I was going to talk to hlm ... 1 chose to stop the conversation. Regarding "l was then issued a loaner car until my transmission was fixed ... Ms. [redacted] service repairs. However, we chose to find her one to use to help her out. Regarding "I repeatedly tried making contact with the CNAC bank that financed the vehicle for me and told them that I no longer teel sate in the car and I would like to break my contract and take my business elsewhere " .... our records do Indicate that [redacted] the Finance Manager explained to Ms. [redacted] that you just don't r break a legal signed finance contract and in the State of Wisconsin there is no right to rescind when bought at the dealer's location. Regarding "I was told my 2006 Ford Fusion would be replaced with a 2003 Dodge Stratus and my payments would remain at 182 and nothing would change with my loan." Miss [redacted] did not have To take a replacement vehicle. This Is something we offered her to make sure she did not loose her down payment or any payments that she had made thus far In the contract. The insurance check was short over $4000.00 to pay off the loan and we were helping her absorb the loss. She also was to pay us her $500.00 deductible and was unable to which resulted In taking a vehicle worth less In value. Regarding "to add insult to injury they would not give me temporary plates." Miss [redacted] was not eligible to receive a temporary plate for her trip back to Virginia because she already had plates she was transferring. She failed to include in her scenario that she forgot them back in Virginia when she came back home. So we went ahead and gave her a temporary plate without any charge. Regarding "1 had considered the option of trading in the car and going to a dealership here in West Virginia. I was told by another facility that JD Byrider definitely took advantage of me and exploited my finances. We are not In a position Miss ***'s credit worthiness In this forum. Regarding desired settlement "1 would one of two things to be considered for resolution to my problems. The car that I have now In my possession to be upgraded to a vehicle of equal or greater value as my 2006 Fusion or that the contract between CNAC be voided upon return of the 2003 Dodge Stratus and the remainder of the loan be forgiven. It Is not legal to break a finance contract by either party. We will not be upgrading her vehicle unless Miss [redacted] has the cash difference to do so. Sincerely, [redacted] General Manager

Good AfternoonWe are always happy to address any concern regarding our business The nature of this complaint appears to be regarding a promotional offer that we had available at our dealership The offer however was misquoted in the complaint as it states $downThe actual offer is $Delivers There is a distinct difference in these two products and the key difference is DOWN versus DELIVERS The $delivers offer was in fact running during the time frame expressed by the reporter However that means that $is taken at time of sale and any additional down payment that would be needed for approval would be processed as a deferred amount to be paid at a later time.As with any promotional offer, the offer is only valid for qualified approved applications and pertains to a select group of vehicles All of this information is stated in the disclaimers found on the offer marketing materials and is in a legally acceptable form All marketing materials are provided by the J.DByrider Corporate Team and have been thoroughly vetted by the Legal Department In this case it appears the customer application did not qualify for this particular offer.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 The complainant has any additionaladditional questions and/or concerns he should contact the Sales Department Janesville directly at ###-###-####, ** would be happy assist him

Hello, We have completed a review of complaint # [redacted] Ms [redacted] purchased a vehicle from CNAC/JD Byrider September 12, At the time of loan origination all loan documents were signed by Ms***, and a bill of sale showing the actual mileage of the vehicle was provided.CNAC/JD Byrider filed all pertinent paperwork with El Paso County DMV and the vehicle was registered CNAC/JD Byrider received the most recent notice from the El Paso County DMV February 20, indicating there was a discrepancy in the mileage The discrepancy was a clerical error, and is in process to be corrected The process to correct this discrepancy is not a quick one as the vehicles we purchase to sell are sometimes purchased out of state with out of state titlesWe have been consistently working on correcting this discrepancy with several different agencies, and should have this matter resolved in a timely fashion We’ve remained in contact with the El Paso County DMV to keep them up to date on the continued efforts to resolve this matterCNAC/JD Byrider has discussed this matter with Ms [redacted] in person, and by phone to reassure her there was no intentional misrepresentation by CNAC/JD Byrider We apologize for any frustration this has caused Ms***, and are working diligently to get this matter resolved.Please 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,

[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. They have made arrangements for me to get the necessary repairs done by giving me a "side note" (loan with zero interest). In the future, I would like them to be clear on the warranty they tell people about as an incentive to purchase one of their vehicles. Rather than telling people it's a bumper to bumper warranty and they "will even replace the battery". It's misleading. Although it was not the exact outcome I had hoped for, I have accepted it. I do wish I didn't have to file with the BBB in order to get their help, they should help their good customers without the customer having to jump through hoops! Regards, Angela [redacted]

In the case of [redacted] , we have reviewed this matter with the full cooperation of the J.DByrider/ [redacted] franchise in question Ms [redacted] is upset regarding her vehicle As a result, she is requesting a refundMs [redacted] purchased a [redacted] on June 2, from the J.DByrider franchise located in Rockford, IL The vehicle is covered by a month or 30,mile limited warranty which mainly covers the major components of the power trainWhile the J.DByrider franchise understands that dealing with any mechanical issue can be frustrating, a used automobile, like any mechanical device that is subject to wear and tear, will require regular maintenance and repairs in order to ensure its continued use Please understand that the service center has gone above and beyond in the servicing of her vehicle The service center has covered a number of repairs free ofcharge,and Ms [redacted] was provided with a loaner vehicle as a gesture of goodwill Service records show that there are a number of items on order for the vehicle, and once they arrive they will be installed J.DByrider strives to achieve the satisfaction of each and every customer The J.DByrider/ [redacted] franchise was sorry to learn of Ms [redacted] ’s dissatisfaction as expressed in her complaint to your office Nevertheless, [redacted] is unable to adhere to her requested resolution Per management, Ms [redacted] has been given the option to trade the vehicle in or return the vehicle and have her contract cancelled To date, she has not responded to the offer At this time, it is recommended that Ms [redacted] contact management at 815- [redacted] to discuss her account/vehicle The J.DByrider/ [redacted] franchise 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/ [redacted] Customer Service

Initial Business Response / [redacted] (1000, 5, 2015/08/28) */ The customer purchased a vehicle from JD Byrider on July 10th, The vehicle purchased had an open recall from General MotorsDuring the closing of the sale, the manager reviewed the CarFax report with the customer, pointing out the open recall and informing the customer of how and where to have the repair doneThe customer verbally confirmed that he understood the recall and signed the [redacted] reportJD Byrider records all contract closingsThis closing was reviewed by management and complies with the JD Byrider standards and practices Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/09/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) Thank you Revdex.com for your attention to my complaintI am not surprised at this response.No apology,no "I read your complaint"I expect there is a person who without reading or investigating a complaint, rubber stamps this responseThe defense is to post the carfax report.That was signed along with at least other sheets of paper at the closing prior to the car being delivered.Yes I saw the [redacted] , unfortunately I read the full scope of THIS recall on line AFTER the incident.There was two recalls, one was fixed, its seemed minorThe recall was summarized on the [redacted] report and I was told I could go on line and read the full report.Unfortunately I did not have the internet information in the office when I signed the disclosure.If the recall was so easy and knowledge that the failure to address the recall was so SERIOUSI would expect a responsible dealer would have taken the responsibility of taking care of the issue,so the kind of incident or worse could not have happenedI think it is morally wrong and if not legally wrong, it should beI went online and read other complaints,reviews of JD ByriderMost talked about JD Byrider's lack of intergity, responsibility and "I gotcha" to it's customerI am going to add my complaint to the listAnd when I am asked where I purchased my car or even if not ask where, I will make sure the person i'm speaking to will hear about [redacted] Complaint Response Date bumped because: Holiday

After completing a review of complaint # [redacted] , I have found that it has been a long period of time since the vehicle was in our service department The customer did contact us recently to schedule a service appointment for us to look at the issues, but she was not able to make that appointment We have made several attempts to contact the customer to try to reschedule, but have not been able to reach her Once we can get the vehicle into the dealership, we can inspect it to verify the concerns If we find that the engine does need to be replaced, we will replace it under the warranty, if the vehicle still qualifies for the warranty If the vehicle mileage takes it out of the warranty, we are willing to cover the repair as if it were under warranty.In regards to the other repairs the customer paid for, we cannot reimburse for those Had we been able to duplicate the issue at our location, we would have been able to provide the customer a much lower price on the parts, per our service center policies Unfortunately, the customer never gave us the opportunity to look at the vehicle again, after she started taking it to other repair shops Many of the issues she describes are normally not covered under the warranty, as well We have a policy to give customers a discounted labor rate and parts at our wholesale cost, for those instances, though Please feel free to contact our office with any further questions or concerns regarding this complaint I would happy to assist you in any way possible

We received the complaint # [redacted] , regarding issues with the car and the repairs needed. After reviewing the repair orders, and the history of the vehicle, we would like to offer a solution. The warranty on the vehicle has expired. During our inspection, we did find that... the ball joints on the vehicle are what is causing some of the issues, not the tie rod. We are willing to cover the ball joint repair as if it were covered under warranty, with the customer only having to pay the warranty deductible. If, during the repair, we determine the tie rod is in need of replacement, we will extend the same courtesy to that part as well. We will do this as a onetime courtesy, as the customer is only slightly out of the warranty period. If the customer is satisfied with that, we urge her to set up an appointment with our service center, and we will perform the repair. Considering the brake noise issues, we have inspected the vehicle multiple times, and can find no faults with the operation of the brake system. Some noise is normal with almost any brake system, regardless of what another facility may say. Although we can find no safety issues with the brake system, we will be willing to offer to replace the noisy brakes with a much higher quality set of brake pads and rotors, and only charge our wholesale cost on parts, and a discounted labor rate. This will not guarantee any noise, but may greatly reduce it. In regards to the final issue of the lack of power, we have not been able to duplicate the concern. If the customer wishes to take a technician for a ride to show them when and how the issue is happening, we would be happy to look further into it if we can duplicate it. We invite the customer to get another opinion on any of these issues from the Chrysler dealer, or another reputable shop, and get a written estimate of their findings. Our wholesale cost and labor rate would apply to any of the needed repairs, as well. 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

Customer rushed off the phone:

CNAC has to improve their customer service ASAP. I was trying to make a payment and three contact numbers were not working. As in it cuts off and die st take the last 4 digits of the social or the phone number or numbers are associated with the account. So I looked up the JD BYRIDER number called them was transferred to them and I finally got an answer. Now mind you I’m trying to make a payment. Finally got in touch with someone she took my card and tried to rush me off the phone. I said politely I have a question. She said okay. I told her about making a payment and I was having a hard time. She said yes the lines are messed up right now. Now, this has been like this for awhile the phone automated but I somehow get to talk with someone usually to pay my payment. I asked her politely if there was another phone number that I can try next time so I don’t have to have a hard time getting through she said no. Again tried to rush me off. I then told her that I was going to wait til they called me so I can make a payment that way I’ll be able to make the payment without any trouble she cut me off and said well we called yesterday and I asked can I ask what number called because I’ve asked them to call me instead not my husband because he doesn’t answer his phone sometimes. She said who am I talking to I said his wife (said my name). I then asked her if she can send me the receipt to my email she said it does it automatically. Then she said there’s other ways to make a payment by going online , money order, going in to make a payment or getting the app. Now mind you we’ve had the car for three years we are well aware of the payment choices. We prefer and have always done it over the phone when we can or have to drive to make a payment. She then asked rudely again what was my name and only my husband can authorize anything on the account. He got on the phone and she gave me the account number in order to make payment online. Overall horrible experience I will not recommend jdbyrider/Cnac to anyone and will be putting my review and how I was treated on social media as well contacting BBB ( Better Business Bureu). Im aware they record the calls and they can go back and listen and hear the unprofessional call from the employee I’m very displeased. We have been good customers my whole family and they have done the same to three other family members this way. They’re staff need more training and they need to fix the automated payment service that has been acting up for the last two years. I can’t give zero star but I have to in order to get my review up. I’ve taking snap shot of my review and willl post online just in case my review is deleted.

Resolution:The warranty provided at the point of sale August 13th, has
expired, and would not require any participation from JD Byrider, or CNACCNAC/JD
Byrider is willing to diagnose, and review any potentials repairs for potential
participation with repairs, if Mrs*** brings her vehicle to a nearby JD
Byrider service departmentJD Byrider pricing is in line with the subprime
auto sales industry, and we do not see any wrong doing to alter the balance of
loan number 3911875. JD Byrider/CNAC feel we have provided the opportunity for Mrs***
to resolve her concerns, and request that this complaint be closedPlease 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,*** ***ManagerCNAC

Revdex.com/Canton
Regional and Greater West Virginia
Cleveland Ave NW
Canton, OH
Phone: (330)454-| Fax: (330)456-
sans-serif;">
Re: *** ***
** *** ***
*** * ** ***
I wish to apologize for the
late response on the part of our company.
Both emails went into my spam file, most likely due to a recent
update. I have reviewed the complaint
submitted by *** ***
*** *** had originally
been set up to make online payments. Due
to issues with her account, however, that privilege had been suspended. Numerous attempts were made to contact *** *** with the courtesy of a return call not being extended by *** *** hence
the suspension. It is always unfortunate
when something like this occurs and CNAC does everything possible to avoid it. There is, though, a significant cost incurred
by providing online and credit card payment options to our customers. Customers who are in default, for any reason,
may not be able to take advantage of the many benefits in doing business with
CNAC
The privilege of online
payment has been re-instated for *** *** but it may, in the future, be
suspended should a contractual default occur.
To avoid confusion, I would ask that any customer return a telephone
call when an account representative calls a customer in an attempt to resolve
any issue. In doing that, suspension of
the online payment privilege can be avoided
Should you have any further
questions, you may reach me at *** *** ***
Regards,
*** ***
General Manager