We pulled a clean Experian Auto Check before the vehicle was purchased by [redacted] *** The Carfax she posted has a Salvage Title (severe Damage) from 7/2/ Her ownership ended in December of This event was after she was no longer the owner Also her contract date was 10/22/and her first contractual payment was not due for over months (1/1/15) Interest accrued during that time so it took the first several payments to account for that It was a commonly used simple interest loan[redacted]
I have reviewed the response offer 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 Regards, [redacted] Please not the two prior accidents dating 12-17-and 06-28-that was not disclosed at the time of sale or ever while I owned the vehicleAlso my first payments didn't even go towards the principle balance at all of the vehicle for some reason and it wasn't until I questioned why that April that my balance started to go downWhy is that? This paperwork was just given to me today in which case it took them a week to do so even though after talking to [redacted] (accounts manager) at CNAC she was able to print the paperwork out on that day minutes after I left even though she lied and said it would take a week which I have recorded when she said itSo I'm not happy with the fact that they are lying about this as well
In the complaint of [redacted] ***, we have reviewed this matter with the records of J.DByrider/CNAC on file Mrs [redacted] is upset regarding her vehicle and financing terms Prior to her purchase of the Chrysler Town & Country on 10/22/14, she went through a closing procedure where the contract is reviewed During this time, the purchase price and financing terms were explained to her Once she stated that she understood the agreement, she signed her name to the contractPlease note that the sales process is designed to assist customers in fully understanding their contractual obligations, and that Mrs [redacted] had several opportunities to ask questions or have the contract explained in further detail The vehicle was covered by a month or 36,mile limited warranty which covers the major components of the power train This warranty covered her transmission issue While J.DByrider understands that dealing with any mechanical issue can be frustrating, a used automobile, like any mechanical device that is subject to wear and tear, will require regular maintenance and repairs to ensure its continued use Account notes show that the vehicle had excessive wear and tear and had unrepaired body damage at the time of repossession Account note show that the vehicle had a clean Experian Auto Check Title search and guarantee pulled on 10/7/days prior to the sale The vehicle had no salvage history Account notes also show that payments were made towards principal so the claim that all payments went towards interest is not accurate Account notes show that a notice to sell the vehicle at auction went out on 12/1/and the vehicle was sold at auction on 12/15/with proceeds posting to the account J.DByrider/CNAC is sorry to learn of Mrs***'s dissatisfaction as expressed in her complaint to your office Nevertheless we are unable to adhere to her requested resolution J.DByrider upheld its end of the transaction during the entire process At this time, it is recommended that Mrs [redacted] contact J.DByrider/CNAC management at [redacted] to discuss arranging payment on the correctly reported outstanding balance
I have reviewed the response offer 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 Regards, [redacted] ***
This is a duplicate complaint but here is my response to the original id #*** on Aug 10th. This message originally read on 8/10/2016We are sorry to hear that *** *** is not happy with CNAC. We can understand that she may not understand how collections on high risk loans are handled. She acknowledges accepting a few calls before blocking our cell # so we had no idea she wanted to be placed on a do not call list. We ask for next of kin and personal references on the credit application for when customers do not communicate. That is standard business practice in the world of finance not to mention high risk finance. Also calling once a day as she states is not considered harassment and we only had her number because she was listed as a reference by *** ***. In this case once we received word from *** that she did not want to be contacted again as a reference for *** *** on 8/9/(yesterday) we removed her number from our system
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***
This complaint is filed against J.D. Byrider in error. J.D. Byrider is the selling dealer and does not collect payments. J.D. Byrider and CNAC are two separate companies.
In the complaint of [redacted], we have reviewed this matter with the records of J.D. Byrider/CNAC on file. Mrs. [redacted] is upset regarding her vehicle and financing terms. Prior to her purchase of the 2007 Chrysler Town & Country on 10/22/14, she went through a...
closing procedure where the contract is reviewed. During this time, the purchase price and financing terms were explained to her. Once she stated that she understood the agreement, she signed her name to the contract. Please note that the sales process is designed to assist customers in fully understanding their contractual obligations, and that Mrs. [redacted] had several opportunities to ask questions or have the contract explained in further detail. The vehicle was covered by a 36 month or 36,000 mile limited warranty which covers the major components of the power train. This warranty covered her transmission issue. While J.D. Byrider understands that dealing with any mechanical issue can be frustrating, a used automobile, like any mechanical device that is subject to wear and tear, will require regular maintenance and repairs to ensure its continued use. Account notes show that the vehicle had excessive wear and tear and had unrepaired body damage at the time of repossession. Account note show that the vehicle had a clean Experian Auto Check Title search and guarantee pulled on 10/7/14 15 days prior to the sale. The vehicle had no salvage history. Account notes also show that payments were made towards principal so the claim that all payments went towards interest is not accurate. Account notes show that a notice to sell the vehicle at auction went out on 12/1/16 and the vehicle was sold at auction on 12/15/16 with proceeds posting to the account. J.D. Byrider/CNAC is sorry to learn of Mrs. [redacted]'s dissatisfaction as expressed in her complaint to your office. Nevertheless we are unable to adhere to her requested resolution. J.D. Byrider upheld its end of the transaction during the entire process. At this time, it is recommended that Mrs. [redacted] contact J.D. Byrider/CNAC management at [redacted] to discuss arranging payment on the correctly reported outstanding balance.
The final payment on [redacted] account was received on 2/24/17. After 10 days we mailed the title to the last known address as standard practice. [redacted] had not updated CNAC of a address change so we are waiting for the title to come in the returned mail. If [redacted]...
would like to request a paid in full letter we would be happy to send to her new address once that address is provided. With this letter she can apply for a duplicate title at DMV if waiting for the original to be returned does not work for her. All correspondence from [redacted] will need to be via mail or phone as she is now banned from our property at [redacted] for verbal abuse and threats via text message. If she arrives on site authorities will be called.
I have reviewed the response offer 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.
Regards,
[redacted]
Please not the two prior accidents dating 12-17-2013 and 06-28-2014 that was not disclosed at the time of sale or ever while I owned the vehicle. Also my first 7 payments didn't even go towards the principle balance at all of the vehicle for some reason and it wasn't until I questioned why that April that my balance started to go down. Why is that? This paperwork was just given to me today in which case it took them a week to do so even though after talking to [redacted] (accounts manager) at CNAC she was able to print the paperwork out on that day 30 minutes after I left even though she lied and said it would take a week which I have recorded when she said it. So I'm not happy with the fact that they are lying about this as well.
Ms. [redacted] purchased a 2003 Kia Sedona in May of 2017 from the J.D. Byrider franchise located in [redacted]. Please note that the sales process is designed to assist customers in fully understanding their contractual obligations, and that Ms. [redacted] had several...
opportunities to ask questions or have the contract explained in further detail. The vehicle is covered by a 36 month or 36,000 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 to ensure its continued use. Account notes indicate that the service center was willing to work with Ms. [redacted] even though she had put over 36,000 miles on the vehicle in only six months. J.D. Byrider strives to achieve the satisfaction of every customer. The J.D. Byrider/CNAC franchise was sorry to learn of Ms. [redacted]'s dissatisfaction as expressed in his complaint to your office. At this time, it is recommended that Ms. [redacted] contact CNAC management at [redacted] to discuss bringing her account current. The J.D. Byrider franchise will continue to stand behind their limited warranty, and is committed to ensuring that Ms. [redacted] has safetransportation.
I have reviewed the response offer 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.
Regards,
[redacted]
We pulled a clean Experian Auto Check before the vehicle was purchased by [redacted]. The Carfax she posted has a Salvage Title (severe Damage) from 7/2/17. Her ownership ended in December of 2016. This event was after she was no longer the owner. Also her contract date was 10/22/14 and her first contractual payment was not due for over 2 months (1/1/15). Interest accrued during that time so it took the first several payments to account for that. It was a commonly used simple interest loan.[redacted]
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 for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]
We pulled a clean Experian Auto Check before the vehicle was purchased by [redacted] *** The Carfax she posted has a Salvage Title (severe Damage) from 7/2/ Her ownership ended in December of This event was after she was no longer the owner Also her contract date was 10/22/and her first contractual payment was not due for over months (1/1/15) Interest accrued during that time so it took the first several payments to account for that It was a commonly used simple interest loan[redacted]
I have reviewed the response offer 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 Regards, [redacted] Please not the two prior accidents dating 12-17-and 06-28-that was not disclosed at the time of sale or ever while I owned the vehicleAlso my first payments didn't even go towards the principle balance at all of the vehicle for some reason and it wasn't until I questioned why that April that my balance started to go downWhy is that? This paperwork was just given to me today in which case it took them a week to do so even though after talking to [redacted] (accounts manager) at CNAC she was able to print the paperwork out on that day minutes after I left even though she lied and said it would take a week which I have recorded when she said itSo I'm not happy with the fact that they are lying about this as well
In the complaint of [redacted] ***, we have reviewed this matter with the records of J.DByrider/CNAC on file Mrs [redacted] is upset regarding her vehicle and financing terms Prior to her purchase of the Chrysler Town & Country on 10/22/14, she went through a closing procedure where the contract is reviewed During this time, the purchase price and financing terms were explained to her Once she stated that she understood the agreement, she signed her name to the contractPlease note that the sales process is designed to assist customers in fully understanding their contractual obligations, and that Mrs [redacted] had several opportunities to ask questions or have the contract explained in further detail The vehicle was covered by a month or 36,mile limited warranty which covers the major components of the power train This warranty covered her transmission issue While J.DByrider understands that dealing with any mechanical issue can be frustrating, a used automobile, like any mechanical device that is subject to wear and tear, will require regular maintenance and repairs to ensure its continued use Account notes show that the vehicle had excessive wear and tear and had unrepaired body damage at the time of repossession Account note show that the vehicle had a clean Experian Auto Check Title search and guarantee pulled on 10/7/days prior to the sale The vehicle had no salvage history Account notes also show that payments were made towards principal so the claim that all payments went towards interest is not accurate Account notes show that a notice to sell the vehicle at auction went out on 12/1/and the vehicle was sold at auction on 12/15/with proceeds posting to the account J.DByrider/CNAC is sorry to learn of Mrs***'s dissatisfaction as expressed in her complaint to your office Nevertheless we are unable to adhere to her requested resolution J.DByrider upheld its end of the transaction during the entire process At this time, it is recommended that Mrs [redacted] contact J.DByrider/CNAC management at [redacted] to discuss arranging payment on the correctly reported outstanding balance
I have reviewed the response offer 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 Regards, [redacted] ***
This is a duplicate complaint but here is my response to the original id #*** on Aug 10th. This message originally read on 8/10/2016We are sorry to hear that *** *** is not happy with CNAC. We can understand that she may not understand how collections on high risk loans are handled. She acknowledges accepting a few calls before blocking our cell # so we had no idea she wanted to be placed on a do not call list. We ask for next of kin and personal references on the credit application for when customers do not communicate. That is standard business practice in the world of finance not to mention high risk finance. Also calling once a day as she states is not considered harassment and we only had her number because she was listed as a reference by *** ***. In this case once we received word from *** that she did not want to be contacted again as a reference for *** *** on 8/9/(yesterday) we removed her number from our system
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***
This complaint is filed against J.D. Byrider in error. J.D. Byrider is the selling dealer and does not collect payments. J.D. Byrider and CNAC are two separate companies.
In the complaint of [redacted], we have reviewed this matter with the records of J.D. Byrider/CNAC on file. Mrs. [redacted] is upset regarding her vehicle and financing terms. Prior to her purchase of the 2007 Chrysler Town & Country on 10/22/14, she went through a...
closing procedure where the contract is reviewed. During this time, the purchase price and financing terms were explained to her. Once she stated that she understood the agreement, she signed her name to the contract. Please note that the sales process is designed to assist customers in fully understanding their contractual obligations, and that Mrs. [redacted] had several opportunities to ask questions or have the contract explained in further detail. The vehicle was covered by a 36 month or 36,000 mile limited warranty which covers the major components of the power train. This warranty covered her transmission issue. While J.D. Byrider understands that dealing with any mechanical issue can be frustrating, a used automobile, like any mechanical device that is subject to wear and tear, will require regular maintenance and repairs to ensure its continued use. Account notes show that the vehicle had excessive wear and tear and had unrepaired body damage at the time of repossession. Account note show that the vehicle had a clean Experian Auto Check Title search and guarantee pulled on 10/7/14 15 days prior to the sale. The vehicle had no salvage history. Account notes also show that payments were made towards principal so the claim that all payments went towards interest is not accurate. Account notes show that a notice to sell the vehicle at auction went out on 12/1/16 and the vehicle was sold at auction on 12/15/16 with proceeds posting to the account. J.D. Byrider/CNAC is sorry to learn of Mrs. [redacted]'s dissatisfaction as expressed in her complaint to your office. Nevertheless we are unable to adhere to her requested resolution. J.D. Byrider upheld its end of the transaction during the entire process. At this time, it is recommended that Mrs. [redacted] contact J.D. Byrider/CNAC management at [redacted] to discuss arranging payment on the correctly reported outstanding balance.
The final payment on [redacted] account was received on 2/24/17. After 10 days we mailed the title to the last known address as standard practice. [redacted] had not updated CNAC of a address change so we are waiting for the title to come in the returned mail. If [redacted]...
would like to request a paid in full letter we would be happy to send to her new address once that address is provided. With this letter she can apply for a duplicate title at DMV if waiting for the original to be returned does not work for her. All correspondence from [redacted] will need to be via mail or phone as she is now banned from our property at [redacted] for verbal abuse and threats via text message. If she arrives on site authorities will be called.
I have reviewed the response offer 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.
Regards,
[redacted]
Please not the two prior accidents dating 12-17-2013 and 06-28-2014 that was not disclosed at the time of sale or ever while I owned the vehicle. Also my first 7 payments didn't even go towards the principle balance at all of the vehicle for some reason and it wasn't until I questioned why that April that my balance started to go down. Why is that? This paperwork was just given to me today in which case it took them a week to do so even though after talking to [redacted] (accounts manager) at CNAC she was able to print the paperwork out on that day 30 minutes after I left even though she lied and said it would take a week which I have recorded when she said it. So I'm not happy with the fact that they are lying about this as well.
Ms. [redacted] purchased a 2003 Kia Sedona in May of 2017 from the J.D. Byrider franchise located in [redacted]. Please note that the sales process is designed to assist customers in fully understanding their contractual obligations, and that Ms. [redacted] had several...
opportunities to ask questions or have the contract explained in further detail. The vehicle is covered by a 36 month or 36,000 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 to ensure its continued use. Account notes indicate that the service center was willing to work with Ms. [redacted] even though she had put over 36,000 miles on the vehicle in only six months. J.D. Byrider strives to achieve the satisfaction of every customer. The J.D. Byrider/CNAC franchise was sorry to learn of Ms. [redacted]'s dissatisfaction as expressed in his complaint to your office. At this time, it is recommended that Ms. [redacted] contact CNAC management at [redacted] to discuss bringing her account current. The J.D. Byrider franchise will continue to stand behind their limited warranty, and is committed to ensuring that Ms. [redacted] has safetransportation.
I have reviewed the response offer 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.
Regards,
[redacted]
We pulled a clean Experian Auto Check before the vehicle was purchased by [redacted]. The Carfax she posted has a Salvage Title (severe Damage) from 7/2/17. Her ownership ended in December of 2016. This event was after she was no longer the owner. Also her contract date was 10/22/14 and her first contractual payment was not due for over 2 months (1/1/15). Interest accrued during that time so it took the first several payments to account for that. It was a commonly used simple interest loan.[redacted]
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 for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]