JD ByRider

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 32 days when I offered to pay they told me I was forced to pay a extra 325 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

[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 Revdex.com in order to get their help, they should help their good customers without the customer having to jump through hoops! 
Regards,
Angela [redacted]

Dear Ms. [redacted], I have completed a full review of complaint #[redacted].  I have found that on February 28th,
2016 CNAC did process Ms. [redacted]’s payment for loan # [redacted] in error. CNAC
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 requested. 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 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 possible. Sincerely,Gina [redacted]CNAC[redacted]Telephone – ###-###-####Fax – ###-###-####

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.D. Byrider 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 24 month / 24,000 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. [redacted], 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 provide... I 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 responsibility. Also, 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 him. Thank You[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 2005 Ford Focus on January 02, 2015 for a sales price of $9,995.00.  The current wholesale auction market has transaction prices for the week ending May 22 starting at $250 and going as high as $3,550.  So, if we use prices that are nearly 16 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 condition. Additionally, [redacted] purchased a vehicle that had been inspected, reconditioned and came with a 36 Month, 36,000 Miles Limited Warranty.  These add significant additional value.  As evidence, in nearly 16 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 read. Tt 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 confusing. Interest rates are well below state usury rates and typically below what many other lenders might offer credit-challenged customers.   The purchase price of $14,800 noted by [redacted] is both false 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] position. The 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.

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.
Even the list that was sent with service "dates and times" is missing information. My wife and I were at the 27th street location on Valentines day as well, due to the shaking and wobbling of this vehicle. Followed by that, we brought it to Waukesha, where they replaced a fuse, and fixed pinched wires. This entire ordeal is a losing situation. It is a last resort to contact the Revdex.com. I have only done this twice in my life. J.D. Byrider is the worst company for a consumer to do business with, they will say and do anything to take advantage. They are liars, they are cheats. We would like to turn this vehicle back over to J.D. Byrider, and be done with it. Let's face it, they will put ti right back out on the lot, and re-sell it to someone else for $12,000.00. That is what this company does, they rip people off. I have made it a point to tell everyone I know, not to do business with this company. Everyone from CNAC, service, to sales, is corrupt. They have you buy their warranty, because the cars they sell you are going to break down 20 times a month, and you will have to pay them $40.00 every time you want them to look at it. They say you are buying into their "credit repair" program- we have been paying 2 1/2 years, and J.D. Byrider just started reporting 9 months ago. My wife talked to the manager at 27TH street, whom told her "not to check into that". I bet they don't want you to check into it! That is the problem!Our next step will be to contact a lawyer, and the state to see what can be done about this company. It's disgusting what they do. The sad but true reality is: J.D Byrider is used to cars coming back to them, and re-selling "barely making it vehicles" from their lot. Doing business with this company feels like being bent over every two weeks, and raped. I don't use that term loosely either. I don't know how the sales people at this company sleep at night. Their moto is to help those struggling, but what they do is- suck you dry until you can't do it anymore, while charging you interest that exceeds the actual sales price. AND by the time you are done paying on the vehicle, it will be worth absolutely nothing. I won't let this company continue to  do this to my family. More people should fight back, and shed the light on this awful company.  
Regards,
Stephen [redacted]

RE: Complaint # [redacted]       Account# [redacted]I have completed a full review of complaint #[redacted].  On February 28th, 2015 CNAC did run a credit card on file for account number [redacted]. We received a telephone call from Ms. [redacted] on February 3, 2015 letting us...

know the payment was taken, and should not have been. CNAC addressed the issue immediately, and the following corrections were made immediately.  CNAC was notified of payment being taken on March 3, 2015 in the amount $186.62 that was run to Ms. Dawson’s credit card, and credited back without question.CNAC immediately removed Ms. [redacted] credit card from our secured data bank.  Therefore; the credit card will not be used in the future without authorization by Ms. [redacted].  The credit card information was on file due to Ms. [redacted] assisting a CNAC customer with payment in the pastAppropriate measures have been taken to address the error with the account manager who ran the credit card.  To ensure this will not happen going forward.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 possible. Sincerely,[redacted]

[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 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,
[redacted]

Good AfternoonI want to take a second to thank you for the opportunity to respond to the concern and offer some clarity to the situation.  We are always happy to provide all the information we can regarding our operation.  I would start by clarifying that J.D. Byrider does not lease...

vehicles.  All vehicles are purchased through the execution of a legally binding Retail Installment Contract that is regulated by the State of Wisconsin.  As this is a legally binding contract it is important to note that the contract cannot be altered by either party.  This fact is the reason our office was not able to change the due date as the customer had requested.  It is also worth discussing that like any other installment obligation, this payment is due on or before the due, much the same way a person's rent may be due on the 1st... it is due on the first regardless of the tenants pay schedule.  It is the consumer's responsibility to manage their finances and ensure all obligations are met under any binding contracts they have entered into with creditors.  These obligations, including the policy regarding due date changes, are included in the closing of the contract at consummation of the sale.  In response to the phone call allegations, I would say that reviewing the account there are no calls made outside of the standard collection practices utilized by 1st party creditors/collectors.  Every call placed from our business for collection purposes is logged to the account history of the account being collected upon.  In addition the claim of collections occurring during unreasonable hours is simply false as we are only staffed from 9:00am until 7:00pm this timeframe would not allow any calls to be made at an unreasonable or inappropriate time.  The customer is more than welcome to bring the vehicle to the location to voluntarily surrender the car.  This would benefit the customer in several ways, including saving several hundred dollars and credit bureau reporting.  Again, the responsible party in this situation is the customer.  The legally binding contract signed clearly states the customer responsibilities.  The office is open from 9:00am until 7:00pm M-F and 9:00am until 4:00pm on Saturday.  The customer can return the vehicle at any time during those hours, or can contact the [redacted] at ###-###-#### to discuss.As always we would like to offer the advice that any issue is best resolved by the two parties working directly with one another rather than involving a third party in something as sensitive as personal finances.  The above contact information is the absolute best way to get this resolved in a quick, efficient manner.  Our business has responded to the concern and has no intention of continuing public dialog regarding this manner.  Thank you again for your time. C. [redacted]

Initial Business Response /* (1000, 5, 2015/08/28) */
The customer purchased a vehicle from JD Byrider on July 10th, 2015. The vehicle purchased had an open recall from General Motors. During 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 done. The customer verbally confirmed that he understood the recall and signed the [redacted] report. JD Byrider records all contract closings. This closing was reviewed by management and complies with the JD Byrider standards and practices.
Initial Consumer Rebuttal /* (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 complaint. I 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 response. The defense is to post the carfax report.That was signed along with at least 15 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 minor. The 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 SERIOUS. I 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 happened. I think it is morally wrong and if not legally wrong, it should be. I went online and read other complaints,reviews of JD Byrider. Most talked about JD Byrider's lack of intergity, responsibility and "I gotcha" to it's customer. I am going to add my complaint to the list. And 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

I have read through the complaint and researched the issue thoroughly.  [redacted]ehicle was recalled by [redacted]  Letters were sent, per [redacted] website, on March 07, 2014 and April 16, 2014.  Both of these issues will be rectified by...

G[redacted] and, in fact, over 13 million cars were affected in the April 16 recall.  It is safe to say that many millions of those vehicles are financed with various lenders all over the world and it is highly unlikely that all of those that are financed were surrendered solely because of that issue.  
 
In his complaint, M[redacted] states that he signed a Third Party Disclosure Agreement, givin[redacted] the right to discuss his account with the person to whom he gave that right when he signed the document.  Furthermore, it is the policy of [redacted] to call only at reasonable times and to not leave more that one message in any 24 hour period.  It is also widely accepted throughout the portfolio servicing industry that arguing with a customer never produces a positive result.  I find it unlikely that our reps were combative.  The account notes indicate that it was actually [redacted] and his Third Party Contact who were abusive.
 
Finally, [redacted] never attempted to schedule his vehicle for a service appointment to address any issues with the safety or reliability of his vehicle.  When the vehicle was repossessed, it had been damaged in an accident and was in poor condition.  He had driven the vehicle 17,261 miles in 8 months with no record of regular maintenance.  It would appear that [redacted] simply abused the vehicle during ownership and then surrendered it when he no longer wanted it, giving a flimsy excuse as his reasoning then using the [redacted] as a means to attempt to intimidate [redacted] into not holding him accountable, financially, for his actions.
 
C[redacted] has no intention of forgiving [redacted] debt.  If, once the collateral has been liquidated, there is a remaining balance then [redacted] will be responsible for that remaining balance.  If it is prudent to pursue him for the deficiency balance then that most assuredly happen.
 
Should there be any additional questions, I can be reached at [redacted]
 
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.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]

Dear [redacted]
text-align: justify; font-family: Arial;">I have read the [redacted] complaint and have researched their history with our company
thoroughly.  They have purchased 3
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, 2011 until they purchased the
Impala on December 29, 2012.  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, 2012 (a little over 16 months); the [redacted] had driven the
vehicle 33,485 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, 2012
with 110,082 miles and has been in for service a total of 4 times.  According to our records, the last date of
service September 30, 2014 where the odometer read 155,296.  A total of 45,214 miles were driven in 21
months of ownership.  We did replace a
transmission under the J.D. Byrider 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
36 Months or 36,000 miles.  We still
provide $9.95 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.D. Byrider
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

Hello, I have completed a full review of complaint #[redacted].  I have found that on January 16th,
2015 Mr. [redacted] did agree to purchase the 2010 Chevrolet Cobalt at a purchase
price of $12,169.48. JD Byrider pricing is in line with subprime retail auto
sales pricing. Mr. [redacted] signed...

the Retail Installment Contract agreeing to
the sale price on January 16th, 2015. JD Byrider does provide a 3
year 36 month warranty, but we do not have any records of repair, or need of
repair for Mr. [redacted]. The only service related record we have is a missed
appointment for one of Mr. [redacted]’s four free annual oil changes. If Mr. [redacted] would like to discuss any concerns he has regarding repairs
he can contact CNAC/JD Byrider. 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 possible. Sincerely,[redacted]Manager

The customer by the name of [redacted] has been permanently deleted from our system. His name(s) contact information was deleted to stop the customer from receiving phone calls, emails, letters etc. Some emails, letters are automatically generated in the system when a lead is entered into...

the system. I checked by his phone number and it is not listed on the DO NOT CALL LIST. I have also checked in our system and we do not have  [redacted] in our system. I, do however show a [redacted] who inquired online back in March of this year. I have sent you screenshots of our computer system documenting this. The customer has not received any phone calls, emails, or letters since 07/13/2015 We have DEAD DEAL this account which will stop any further correspondence with this customer. We have NOT contacted this customer to resolve as this is the customers request. Please feel free to contact me directly should you have any further questions or concerns. I apologize for the delay in the response. I have responded to this with the prior notices however it appears to have not reached your office.

Bradley [redacted] Revdex.com of Wisconsin 10019 W. Greenfield Ave Milwaukee, WI 53214 RE: Complaint # 11710829        Account# [redacted] I have completed a full review of complaint #11710829.  I have found that on May 31, 2016 Ms. [redacted] did agree to purchase the 2005...

Saturn ION at a purchase price of $10,358.07. JD Byrider pricing is in line with subprime retail auto sales pricing. Ms. [redacted] signed the Retail Installment Contract agreeing to the sale price on May 31, 2016. JD Byrider does provide a 36 month warranty covering most major mechanical parts with the purchase of a vehicle since we sell used vehicles, and know that even though an inspection may be done repairs can occur after the sale. From our service records I see that we have attempted to address the open concerns mentioned, but JD Byrider could not duplicate the key, noise in the rear of the vehicle when someone is exiting the vehicle, or the leak. I could not find any record of Ms. [redacted] addressing her concerns with any Manager at JD Byrider, or CNAC to resolve these ongoing issues for her. We would like the opportunity to work with Ms. [redacted] directly to try to resolve these concerns mentioned in this complaint. CNAC would like to have JD Byrider service look at the vehicle, so we know exactly what the issues with the car are, and try to resolve this with our service department. The mentioned resolution on this complaint unfortunately is not an option, we would like the opportunity to fix the issues with the vehicle. 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 possible. Sincerely,   Michael [redacted] CNAC [redacted] Brookfield, WI  [redacted] Telephone – [redacted] Fax – [redacted] Tell us why here...

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 vehicle.  As a result, she is requesting a...

refund. Ms. [redacted] purchased a 2004 [redacted] on June 2, 2016 from the J.D. Byrider franchise located in Rockford, IL.  The vehicle is covered by a 30 month or 30,000 mile limited warranty which mainly covers the major components of the power train. While the J.D. Byrider 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.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, [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.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

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.

I have completed a full review of complaint #[redacted].  I have found that on December 15th,
2016 Mr. Sarah [redacted] and Chad [redacted] did agree to purchase the 2008 Pontiac
G6 at a purchase price of $11,838.67. The retail installment contract was
agreed to and signed on December 15, 2016...

agreeing to the sale of the vehicle. JD
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 concern. CNAC/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
Byrider. 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 possible.

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.D. Byrider 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.D. Byrider 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.D. Byrider 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 customers. Regards,[redacted]
[redacted]