| 09/21/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
Servicemember |
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Okay just to be clear I have filed complaints since about 7 months ago with every federal, state, local, house, goveneor, sheriff, chief, representatives and more I had sent out over 5000 emails, an according t my XXXX bill I had made over 20,000 in the last two months alone. Denial letters from free legal services from missiouri and arkansas, denial from help from victiums of crimes special programs and denial from attorney generals and on and on and on.
Ok it kind of a long story it actually starts almost five months ago, lets just say since five months ago we have suffered hacking and scammers, and idenity theft and it was bad for a while we were and are almosr 7000 in debt just from that alone not including everything on my credit record with is almost 70,000 which I thnk some is my student loans. Well after afew weeks the calmed down a bit.
Well about a week a month after that, I had to stop working because of my health being so XXXX so I havent worked in almost 4 months now and still waiting on XXXX to kick it.
Well we ended up having to get another vehicle, cause of my appointsments and hospital visits it wasnt working out with husbands shedule. And he was goning to lose his job if we kept at it
So on XX/XX/XXXX we finally got someone to give us a chance with a truck which my husband used for work sometimes.
Well that was the first time XXXX XXXX lied to me, when they called me about being approved for sure I was told all we had to do was come and sign the papers and it was going to be XXXX Dollars Down. No more than that, I thought thank god,
Well of course I still had not be released to go back to work yet not sure when I am going back honestly, my health is XXXX XXXX, andy ways about a week of having the truck it started acting up they were very slow to respond abut the issue and it took almost two weeks for them to actually do something about it.
Well XX/XX/XXXX I told my husband since we were so far in debt with everything with the scamming and hacking that we was not going to have to file for bankcruptcy and I had researched online that we can file for a petition of affirmation of automatitc stay of assets which would help keep the only assets we had
Well I went online which since we had got hacked, and scammed and the idenity theft I had set up proxy, vpns, IP addresses, and emails and everything it was that bad.
Well I was online again looking for free legal help to fill the paperwork out and were to get the forms from online frokm the district courst of missouri and I filled it all out the waviers for the courts cost and fees and everything else then was told that it would be filed on XX/XX/XXXX and that afternoon was told go aheaed and send out to the dealerships and in a few days we finish the rest of the procedure and it was gonna cost like XXXX dollars well with me not working I had just got my last check and all ihad left ws XXXX so I gave him that through online transfer.
So the next day XX/XX/XXXX at around XXXX we heard a tow truck outside and my husband went to look and their they were taking his truck, we had not received one call, one , text, or email or any notice that this was happening at all. My husband jumped in my car and drove two hours away to talk to them to see what was going on and when he got there they
THE FINACE SIDE OF THE COMPANY TOLD HIM HE COULD HAVE THE TRUCK BACK IF HE PAID THEM XXXX FOR TOWING IT.
WELL WHY HE WAS OUT THERE I HAD GONE ONLINE AND FILIED OUT COMPLAINTS I KNOW THEY ARE IN THE WRONG FOR DOING THAT.
WELL THAT SAME DAY I TALKED TO THE GM XXXX WHICH TOOK ME 8 TIMES TO GET HIM BECAUSE XXXX I THINK HER NAME WAS OR XXXX KEPT LYING TO ME WHEN I ASKE TO SPEAK TO THE GM SHE SAID SHE WAS AND THAT IS NOT HOW SHE INTRADUCED HERESLF ON THE PHONE WHEN ANSERING PLUS I HAD TALKE D TO HER MANY TIMES BEFORE.
HAD TO GO THROUGH CUSTOMER SERVICE LINE AND ASK FOR GM FINALLY GOT HIM XXXX
AND HE SAID THAT BECAUSE FO THE COMPLAINTS I HAD SUBMITTED THATS WHY THEY TOOK THE TRUCK AND IT WAS BEING REVIEWED BY THEIR SUPPOSEDLY TEAM OF LEGAL REPRESENTATIVES.
YET THEY TOLD MY HUSBAND THAT THEY RECEIVED THE PAPERS ABOUT THE BANK RUPTCY AND THAT IS THE REASON WHY THEY TOOKT THE TRUCK BACK.
CONFLICTING STORIES THERE, WELL SINCE THEN I HAVE BEEN ONLINE TRYING TO LEARN HOW TO UPGRADE TO EFILE WELL THAT WAS A WEEK WASTED TO COME AND FIND OUT I CANT WHEN I HAVE DOCUMENTS FROM ONLINE SHOWING AND STATING ON HOW YOU CAN IF YOU REPRESENTING YOURSELF PRO SE
WELL IN THAT TIME THEY BARLY SPOKE TO ME THEY TALKED TO MY HUSBAND THOUGH. WELL THRUSDAY HE TALKED TO THEM LATE EVENING AND THEY TOLD HIM THAT IF I DROPPED THE LAWSUIT THAT THEY WOULD RETURN THE TRUCK BACK TO US AND WOULD BE CHARGED FOR THE TOWING
FUNNY THING IS ABOUT THE WHOLE THING I NEVER FILED YET I GOT SOME HELP AND WE WERE HAVING SOMEONE SERVED A DEMAND LETTER WITH ONE OF THE BARGGININGS WAST TO RETURN THE TRUCK.
SO APPARENTLY HE HAS BEEN TALKING TO XXXX, AND XXXX, AND XXXX AT XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AR. XXXX XXXX
WELL THE NEXT DAY I SENT VIA EMAIL AND ONLINE FAX TO HEADQUARTERS WELL WHAT THEY SHOW ONLINE AS HEADQUARTERS AND SENT TO THE XXXX NUMBER EMAIL EVEN THOUGH IST XXXX AR. XX/XX/XXXX EMAIL AS WELL.
I WLL ATTACH COPY OF THAT AS WELL, WELL DIDNT HEAR NOTHING AND MY HUSBAND ASKED ME TO CALL THEM SO I DID STARTING AT XXXX XXXX TILL ABOUT XXXX AT NIGHT WHEN I CALLED THEY HUNG UP, PUT ME ON HOLD FOREVER AND THEN HANG UP TAKE MESSAGE FOR XXXX AND SAID HE WAS BUSY AND DIDNT EVER CALL BACK AT ALL I CALLED EVERY NAME ON LIST TO CORP. OFFICE IN XXXX, IN AND LEFT MESSAGE STATING I SENT EMAIL EXKPLAING THE REASON WE WAS FILING AND THERE WAS NO LAWSUIT AND THAT ALL WE WANTED WAS WHAT WE ASKED FOR. THEN ABOUT XXXX XXXX XXXX FINALLY ANSERED THE DOOR HE
STATED TO ME HE TEXTED MY HUSBAD THAT MORING AND TOLD HIM THAT HE WOUDLNT KNOW TILL XXXX
AND THAT HE MIGHT HAVE TO BE PUT INTO ANOTHER VEHICAL NOT THE TRUCK.
NOW, I WAS VERY MAD SINCE FRIDAY I HAVE DONE NOTHING BUT RESEARCH AND RESEARCH AND I FOUND OUT A LOT OF THINGS
WHICH ALL GO AGAINST OUR CIVIL RIGHTS, AND POOR WORK ETHICS ON THEIR POINT OF VEIW,
NOW THEY TOLD MY HUSBAND THAT THE ONLY HE COULD HAVE HIS THINGS OUT OF THE CAR WAS TO GIVE BACK THE OTHER KEY .
WELL LIKE I SAID I HVE RESEARCHED XX/XX/XXXX, XXXX XXXX AND I HAVE FOUND OUT A LOT ABOUT THIS COMPANY AND I ALSO HAVE AT LEAST OVER 25000 DOWNLOADS OF MISSIOURI, ARKANSAS, AND XXXX LAWS ON CIVIL RIGHS, CIVIL RIGHTS AND AUTOMOBILES AND CIVIL RIGHT AND REPOSSIONS AS WELL.
I HAVE OVER 100 TABS SAVED ON PHONE AND LAPTOP AND DOCUMENTS ABOUIT THIS COMPANY, MANY LAWSUITS AND LOTS OF UNFAIR PRACTICES AND AND REPOSSESIONS AND MORE,
I WILL ONLY SEND CERTAIN THINGS PRETAING TO THIS MOSTLY .
Everything here I have got off their websites, contracts as employees, share holders, and more mainly going to focus on the problem at hand and I have read and downloaded all the law archives from Missouri, Arkansas, Indianan. I have read and downloaded the laws pertaining to civil rights, repossession and arbritaration laws as well and I have downloaded the Byrider Franchising hand book 0n how they are to run the the XXXX XXXX XXXX XXXX stores the chains of commands policy they are to follow and more and I also have clips of the contract as well
WHICH THE CONTRACT AND THEIR POLICYS CONTRADICT THEMSELVES AND THEY DID NOT FOLLOW ANY OF THE PROCEDURES ON CONTRACT OR HANDBOOK. Portioning to this mess.
Like I mentioned before we were victims of crime again which was reported but of course due to lack of man power which was lied. XXXX police officer said and time and no leads cant do much about that problem at all, but the company XXXX XXXX would not even hear our story or didnt take any compassion to our situations.
LISTED BELOW IS EVERYONE I HAD CALLED AND LEFT MESSAGES AND EMAILED AND FAXED LETTERS TO SEE ABOUT GETTING THIS CLEARED UP WITH OF COURSE NO RESPONSE FROM ANY OF THE MEMBERS WAS TOLD BY THE EMPLOYEES OUT OF XXXX AR. XXXX XXXX THEY WERE NOT ALLOWED TO SPEAK TO US YET THEY CONTINUED COMMUICATION WITH MY HUSBAND NOT MUCH BUT MORE SO HIM THEN ME AND I AM THE BUYER
SO ONLINE WHEN YOU LOOK UP MAIN HEADQUARTERS FOR XXXX XXXX THIS IS WHAT COMES UP //.
XXXX XXXX AKA----XXXX
XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX HEADQUARTERS AFTER YOU REWORD THINGS COMES UP
XXXX XXXX XXXX XXXX XXXX IN XXXX
Phone--XXXX XXXX XXXX
Fax--XXXX XXXX XXXX
Email--XXXX
SO THE WEBSITE IT GIVES A LIST OF NAMES OF SUPPOSEDLY THE PEOPLE RUNNING THIS LOCATION::
XXXX XXXX PRESIDENT-- LEFT 6 MESSAGES ON VOICEMAIL, XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX
XXXX XXXX--CONSUMER AFFAIRS SPECIALIST ( WHICH THAT IS WHAT I WAS TOLD WHO I NEEDED TO SPEAK WITH)---XX/XX/XXXX LEFT 15 VOICE MAILS
XXXX XXXX--DIRCTOR OF SALES--XX/XX/XXXX LEFT 8 MESSAGES
XXXX XXXX XXXX-- XX/XX/XXXX LEFT 4 VOICEMAILS
XXXX XXXX-- LEFT 4 VOICEMAILS XX/XX/XXXX
XXXX XXXX--XX/XX/XXXX LEFT 3 VOICEMAILS XXXX XXXX XXXX--XX/XX/XXXX LEFT 3 VOICEMAILS
XXXX XXXX--XX/XX/XXXX LEFT 5 VOICEMAILS XXXX XXXX--XX/XX/XXXX LEFT 2 VOICEMAILS
XXXX XXXX XXXX XXXX--XX/XX/XXXX LEFT 6 VOICEMAILS
SUPPOSEDLY EMAIL FOR OFFICE IS ----XXXX WHICH GOES TO XXXX AR. AND CUSTOMER SERVICE EMAIL IS XXXX
WHICH IM SURE GOES TO XXXX AR. LOCATION AS WELL
THAT WAS ALL DAY SATURDAY I TRIED CALLING CORP OFFICE AND ONLY SENT OUT ONCE THE EMAIL TO THE EMAILS ON WEBSITES AND FAXED TO THE FAX NUMBERS AS WELL
XXXX
XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX
XXXX I THINK HE A GM XXXX XXXX XXXX XXXX AND I THINK XXXX
HAVE ALL SAID DIFFERENT STORIES TO ME WHEN AND IF THEY ANSWERED OR TOOK MY CALLS
AND HAD TOLD MY HUSBAND MANY DIFFERENT STORIES AS WELL VERY CONFLICTING STORIES
WELL I FOUND OUT
XXXX CUSTOMER SERVICE IS LINKED TO BOTH PLACES AND TRANSFERS CALLS ONLY TO XXXX AR I CALLED THEM 25 TIMES XXXX
SO I WAS MAD, MY HUSBAND WAS MAD CAUSE THEY KEEP LYING TO US AND TELLING US DIFFERENT STORIES.. SO I DID DIGGING AROUND ON EACH PERSON AND THE COMPANY ITSELF AND I DOWNLOAD ALL PUBLIC ARCHIEVES OF THE LAWS FOR CONSUMERS AND BUSINESS AND ARBRITRATION LAWS AS WELL AND I WIL COPY AND PASTE WHAT I HAD SEND LINKS DOCUMENTS AND PICTURES TO BACK UP MY FINDINGS
AND I ALSO CAME ACROSS THEIR FRANCISHING HAND BOOK ON HOW THEY ARE TO RUN THEIR BUSINESS AND HOW THEY TARGET PEOPLE WHO ARE FINIANCALLLY UNSTABLE AND LIE TO THEM AND CHARGING HOW MUCH INTERSET THEY WANT NO MORE THOUGH THAN 35% AND MORE I HAVE DOWNLOAD COMPLAINTS OF THINGS THEY HAVE DONE SIMILAR TO THIS AND NO BODY REALLY DONE MUCH
I AM REQUESTING TWO THINGS AT THIS TIME
FRIST IS THE TRUCK BACK WITH TITLE NO MORE LEASE AT ALL OR NEW TRUCK
SECOND AND I WONT THIS IS A SUIT BROUGHT ON THEM AS WELL OR BEING DECEITFUL AND MISLEADING AND BREAKING LAWS AND MORE BAD BUSINESS JUDGEMENTS AS WELL.
SO WHEN YOU XXXX XXXX HEADDQUARTERS IT COMES UP XXXX IN AND THAT I FOUND LIKE I SAID GOES ROUTED TO XXXX AR,
I HAVE A PICTURE OF THAT, WHEN YOU ENTER THE WEBSITE AND PICK A LOCATON AND CHOOSE INDIANA WELLL XXXX IN LOCATION DONT COME UP HAVE PICTURE AS WELL.
LIKE I SAID I DID A LOT OF DIGGING AROUND ON THESE PEOPLE I ACTUALLY HAVE HOME ADDRESSESS AND PHONE NMBERS HOME ONES AND CELLS AND SOCIAL MEDIA WEBSITES THEY CONNECTED TO AS WELL AND MUCH MORE FAKE WEBSITES, NUMBERS GENERATED TO FULL CONSUMERS INTO BELIVING THEY CALLING CUSTOMER SERVICE BUT NOT THEY JUST CALLING THE STORE THEY HAVING A PROBLEM WITH AND GET TRANSFERRED AROUND FOUND ALSO THAT IF YOU GO TO
XXXX---DIRECT WEBSITE AND MAKE A PAYMENT AND THEY DONT TELL YOU THIS AND I DONT TRUST IT AT ALL SO I DIDNT MAKE A PAYMENT IT TAKES YOU TO A THIRD PARTY WEBSITE NOT EVEN CALLED XXXX OR ANYTHING TO DO WITH XXXX WEBSITES.
ALSO FOUND OUT THAT XXXX XXXX IS NOT REGISTERED WITH THE FEDERAL BANK RESERVERS I CHECKED NOT ON THERE NOR IS BYRIDER OR XXXX OR SOME OF THE OTHER NAMES I TRIED TO ENTER AS WELL
I WILL SUBMIT THAT ALL AS WELL. THEY ARE APPARENTLY REGISTERED AND IN.GOV WITH 4 DIFFERENT NUMBERS AS WELL AND DIFFERENT ADDRESSES AND NAMES AND CONTACTS WHICH I DID TRY TO REACH OUT TO AND NOTHING I WILL ATTACH ALL THAT AS WELL.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX----XXXX XXXX, XXXX XXXX (State or Other Jurisdiction of Incorporation or Organization) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX (Address of Principal Executive Offices, Including Zip Code) (XXXX) XXXX (Registrants Telephone Number, Including Area Code) XXXX XXXX
THIS RIGHT HERE HIS JUST ONE OF THE REGISTRATION NUMBERS THEY HAVE NOT TO THE ADDRESS THAT THEY SAY IS CORP OFFICE HEADQUARTES DONT EVEN MATCH UP
XXXX XXXX XXXX XXXX XXXX. is an entity registered at Indiana with company number XXXX. Company is incorporated onXX/XX/XXXX. Current status of the company is Merged. The company's agentis XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IN, XXXX - XXXX, USA The company's secretaryis XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IN, XXXX, USA The company's presidentis XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IN, XXXX, USA
Company information
From
XXXX XXXX XXXX XXXX XXXX IS THE SERVING AGENT WHOM I WOULD LIKE SERVED AND EVERYONE ELSE SERVED AS WELL THEY ALL LIE
Agent
Name XXXX XXXX XXXX
Address XXXX XXXX XXXX., XXXX, IN, XXXX - XXXX, USA
Secretary
Name XXXX XXXX XXXX
Address XXXX XXXX XXXX XXXX, XXXX, IN, XXXX, USA
P
From
THIS IS FROM PAGE 9 TABLE OF CONTENTS REVIEW
The Company utilizes its Loss Prevention and Recovery Department (the LPR) to perform on-site audits of branch compliance with
Company underwriting guidelines. XXXX audits Company branches on a schedule that is variable depending on the size of the branch, length of
time a branch has been open, current tenure of the Branch Manager, previous branch audit score and current and historical branch profitability.
XXXX reports directly to the Accounting and Administrative Management of the Company. The Company believes that an independent review
and audit of its branches that is not tied to the sales function of the Company is imperative in order to assure the information obtained is
impartial.
THIS IS FROM PAGE 9 AS WELL CALLED MONITORING AND ENFORCEMENT OF CONTRACTS
The Companys Management Information Services personnel maintain a number of reports to monitor compliance by customers with their
obligations under Contracts and direct loans made by the Company. These reports may be accessed on a real-time basis throughout the
Company by management personnel, including Branch Managers and staff, at computer terminals located in the main office and each branch
office. These reports include delinquency aging reports, customer promises reports, vehicle information reports, purchase reports, dealer
analysis reports, static pool reports, and repossession reports.
A delinquency report is an aging report that provides basic information regarding each account and indicates accounts that are past due. The
report includes information such as the account number, address of the customer, home and work phone numbers of the customer, original term
of the Contract, number of remaining payments, outstanding balance, due dates, date of last payment, number of days past due, scheduled
payment amount, amount of last payment, total past due, and special payment arrangements or agreements.
Any account that is less than 120 days old is included on the delinquency report on the first day that the Contract is contractually past due.
Once an account becomes 30 days past due, repossession proceedings are implemented unless the customer provides the Company with an
acceptable explanation for the delinquency and displays a willingness and the ability to make the payment, and commits to a plan to return the
account to current status. When an account is 60 days past due, the Company ceases recognition of income on the Contract and repossession
proceedings are initiated. At 120 days delinquent, if the vehicle has not yet been repossessed, the account is written off. Once a vehicle has
been repossessed, the related loan balance no longer appears on the delinquency report. Instead, the vehicle appears on the Companys
repossession report and is sold, either at auction or to an automobile dealer.
When an account becomes delinquent, the Company immediately contacts the customer to determine the reason for the delinquency and to
determine if appropriate arrangements for payment can be made. If payment arrangements acceptable to the Company can be made, the
information is entered in its database and is used to generate a Promises Report, which is utilized by the Companys collection staff for
account follow up.
The Company prepares a repossession report that provides information regarding repossessed vehicles and aids the Company in disposing of
repossessed vehicles. In addition to information regarding the customer, this report provides information regarding the date of repossession,
date the vehicle was sold, number of days it was held in inventory prior to sale, year, make and model of the vehicle, mileage, payoff amount
on the Contract, XXXX book value, XXXX XXXX value, suggested sale price, location of the vehicle, original dealer and condition of the
vehicle, as well as notes other information that may be helpful to the Company.
The Company also prepares a dealer analysis report that provides information regarding each dealer from which it purchases Contracts. This
report allows the Company to analyze the volume of business done with each dealer and the terms on which it has purchased Contracts from
such dealer.
The Companys policy is to aggressively pursue legal remedies to collect deficiencies from customers. Oral requests for payment are made
beginning when an account becomes 11 days delinquent. When an account becomes 30 days delinquent and the customer has not made
payment arrangements acceptable to the Company or has failed to respond to the requests for payment, a repossession request form is prepared
by the responsible branch office employee for approval by the Branch Manager for the vicinity in which the borrower lives. Once the
repossession request has been approved, first by the Branch Manager and second by the applicable District
THIS STATES HOW ANYONE IN THE COMPANY CAN ACCESS ALL INFORMATION ALTER INFORMATION BASICALLY DO WHATEVER THEY WANT, NOT PRIVACY
Computerized Information System
The Company utilizes integrated computer systems developed by XXXX to assist in responding to customer inquiries and to monitor the
performance of its Contract and direct loan portfolio and the performance of individual customers under Contracts. All Company personnel are
provided with real-time access to information from a single shared database. The Company has created specialized programs to automate the
tracking of Contracts and direct loans from inception. The Companys computer network encompasses both its corporate headquarters and its
branch office locations. See Monitoring and Enforcement of Contracts above for a summary of the different reports prepared by the
THIS THEY VIOLADATED AS WELL FALSE IMPLICATIONS PAGE 11
Fair Debt Collection Practices Act. The Fair Debt Collection Practices Act (FDCPA) and applicable state law counterparts
prohibit the Company from contacting customers during certain times and at certain places, from using certain threatening practices
and from making false implications when attempting to collect a debt.
NO PRIVACY WITH INTERGRATED DATABASE BUT IT SAYS THEY HAVE TO KEEP OUR STUFF PRIVATE THEY DONT PAGE 11 AS WELL
Fair Debt Collection Practices Act. The Fair Debt Collection Practices Act (FDCPA) and applicable state law counterparts
prohibit the Company from contacting customers during certain times and at certain places, from using certain threatening practices
and from making false implications when attempting to collect a debt.
STATES THEY MAY NOT INTERFER PAGE 12
Bankruptcy. Federal bankruptcy and related state laws may interfere with or affect the Companys ability to recover collateral or
enforce a deficiency judgment.
NEXT IS ABOUT HOW EMPLOYESS ARE TO HANDLE THINGS AND WHO HANDLES THEM AND THE PROCDURES AND THE DO AND DONTS ASLO PAGE 12, 13, 14, 15 ,16.17:::IPAGE 14 STATES THAT AS SOON AS THEY REPOSSES A VEHICLE ITS TOOK TO AUTION RIGHT AWAY
The auction proceeds we receive from the sale of repossessed vehicles and other recoveries are subject to fluctuation due to economic
and other factors beyond our control.
If we repossess a vehicle securing a Contract, we typically have it transported to an automobile auction for sale. Auction proceeds from the sale
of repossessed vehicles and other recoveries are usually not sufficient to cover the outstanding balance of the Contract, and the resulting
deficiency is charged off. In addition, there is, on average, approximately a 30-day lapse between the time we repossess a vehicle and the time
it is sold by a dealer or at auction. The proceeds we receive from such sales depend upon various factors, including the supply of, and demand
for, used vehicles at the time of sale. Such supply and demand are dependent on many
HERE IT STATES WRONGFUL REPOSSETIONS, BANRUPTCY VIOLATOINS AND MORE
We are subject to risks associated with litigation.
As a consumer finance company, we are subject to various consumer claims and litigation seeking damages and statutory penalties, based
upon, among other things:
12
usury laws;
disclosure inaccuracies;
wrongful repossession;
violations of bankruptcy stay provisions;
certificate of title disputes;
fraud;
breach of contract; and
discriminatory treatment of credit applicants.
Some litigation against us could take the form of class action complaints by consumers. As the assignee of Contracts originated by dealers, we
may also be named as a co-defendant in lawsuits filed by consumers principally against dealers. The damages and penalties claimed by
consumers in these types of actions can be substantial. The relief requested by the plaintiffs varies but may include requests for compensatory,
statutory and punitive damages. We also are periodically subject to other kinds of litigation typically experienced by businesses such as ours,
including employment disputes and breach of contract claims. No assurances can be given that we will not experience material financial losses
in the future as a result of litigation or other legal proceedings.
PAGES 17-21 SAYS THE HAVE TO PRACTICE PROPER COLLECTION POLICES WHICH THEY DID NOT::
licensing requirements;
requirements for maintenance of proper records;
payment of required fees to certain states;
maximum interest rates that may be charged on loans to finance new and used vehicles;
debt collection practices;
proper disclosure to customers regarding financing terms;
privacy regarding certain customer data;
interest rates on loans to customers;
telephone solicitation of direct loan customers; and
collection of debts from loan customers who have filed bankruptcy.
AGAIN ON PAGE 18 INTERGRATED DATABASE
We may experience problems with our integrated computer systems or be unable to keep pace with developments in technology.
We use various technologies in our business, including telecommunication, data processing, and integrated computer systems. Technology
changes rapidly. Our ability to compete successfully with other financing companies may depend on our ability to efficiently and cost-
effectively implement technological changes. Moreover, to keep pace with our competitors, we may be required to invest in technological
changes that do not necessarily improve our profitability.
We utilize integrated computer systems to respond to customer inquiries and to monitor the performance of our Contract and direct loan
portfolios and the performance of individual customers under our Contracts and direct loans. Problems with our systems operations could
adversely impact our ability to monitor our portfolios or collect amounts due under our Contracts and direct loans, which could have a material
adverse effect on our financial condition and results of operations.
OKAY THIS ON PAGE 97 OF THEIR POLICY HANDBOOK CALLED GOVERNING LAW.
16. GOVERNING LAW.
(a) The validity, interpretation, construction and performance of this Agreement shall be governed by the internal laws of the State
of Florida, except that Section 16(b) shall be construed in accordance with the Federal Arbitration Act if arbitration is chosen by the Employee
as the method of dispute resolution.
(b) Any dispute arising out of this Agreement shall, at the Employees election, be determined by either (i) arbitration under the
rules of the American Arbitration Association then in effect (but subject to any evidentiary standards set forth in this Agreement), in which
both parties shall be bound by the arbitration award, or (ii) by litigation. Whether the dispute is to be settled by arbitration or litigation, the
venue for the arbitration or litigation shall be Tampa, Florida. The parties consent to personal jurisdiction in each trial court in the selected
venue having subject matter jurisdiction notwithstanding their residence or situs, and each party irrevocably consents to service of process in
the manner provided hereunder for the giving of notices.
(b) Any dispute arising out of this Agreement shall, at the Employees election, be determined by either (i) arbitration under the
rules of the American Arbitration Association then in effect (but subject to any evidentiary standards set forth in this Agreement), in which
both parties shall be bound by the arbitration award, or (ii) by litigation. Whether the dispute is to be settled by arbitration or litigation, the
venue for the arbitration or litigation shall be Tampa, Florida. The parties consent to personal jurisdiction in each trial court in the selected
venue having subject matter jurisdiction notwithstanding their residence or situs, and each party irrevocably consents to service of process in
the manner provided hereunder for the giving of notices.
THESE NEXT FEW PAGES 115 10 125 ARE THE AUTOMOBILE DEALER RETAIL AGREEMENT PLANS:::
The undersigned Dealer proposes to sell to the undersigned XXXX XXXX XXXX. (XXXX), from time to time, Promissory Notes, Security
Agreements, Retail Installment contracts, Conditional Sales Contracts, or other instruments hereinafter referred to as Contracts, evidencing
installment payment obligations owing Dealer arising from the time sale of motor vehicle(s) and secured by such Contracts. It is understood
that XXXX shall have the sole discretion to determine which Contracts it will purchase from Dealer.
Indemnity : As a separate and cumulative obligation, Dealer shall defend and hold XXXX harmless from any and all claims, defenses,
offsets, damages, suits, administrative or other proceedings, cost (including reasonable attorneys fees), expenses, losses, and liabilities.
(Collectively Claims) arising out of connected with or relating to the Contract or the goods or services sold there under. Timing of
indemnification is within 7 days of demand by XXXX.
XXXX XXXX XXXX. (hereinafter referred to as XXXX XXXX XXXX. or the Company) requires ethical conduct in the practice of
financial management in all aspects of business activities.
The XXXX XXXX XXXX. Code of Ethical Conduct for Financial Managers applies to all senior officers serving in a financial role. The Chief
Executive Officer, Chief Financial Officer and Controller, as well as certain other senior financial officers, hold an elevated role in corporate
governance and are expected to act in accordance with the highest standards of personal and professional integrity, to comply with all
applicable laws, rules, and regulations, to preserve and protect shareholders interests, and to abide by the XXXX XXXX XXXX. Code of
Business Conduct and Ethics and other policies and procedures adopted by XXXX XXXX XXXX. that govern the conduct of its employees.
This Code of Ethical Conduct is intended to supplement the XXXX XXXX XXXX. Code of Business Conduct and Ethics.
As the Chief Executive Officer, Chief Financial Officer, Controller, or other senior financial officer, I certify to you that I adhere to and
advocate the following principles governing my professional and ethical conduct in the fulfillment of my responsibilities. I agree to:
a. Comply with the Companys internal policies and procedures;
b. Act at all times in accordance with the Companys Code of Business Conduct and Ethics which has been provided to me and with
which I will comply;
c. Engage in and promote honesty, integrity and ethical conduct, including the ethical handling of actual or apparent conflicts of
interest between personal and professional relationships;
d. Provide accurate, complete, objective, timely and understandable financial disclosures in regards to internal reports as well as
d
documents filed or submitted to the Securities and Exchange Commission, any governmental, private or public regulatory agency,
or used in public communications;
e. Comply with applicable federal, state, provincial, and/or local governmental laws, rules and regulations, as well as appropriate
private and public regulatory agencies;
f. Respect the confidentiality of information acquired in the course of performing my work responsibilities except when authorized or
otherwise legally obligated to disclose such information;
g. Act in good faith, responsibly, with due care, competence and diligence, without misrepresenting or omitting material facts or
allowing my independent judgment to be compromised;
h. Avoid using confidential information acquired in the course of performing my job responsibilities for personal advantage;
THEY HAVE FIVE PAGES OF DEALERSHIPS THEY GET THERE CARS FROM PAGES ON PAGES ON HOW THEY KEEP FROM PAYING TAXES AND GET EXTRA MONEY THEY ARE CROOKS AND THEY ARE ALL THROUGH ONE MAIN GUY XXXX XXXX XXXX.
XXXX IS NOT EVEN A REAL BANK THEY GET THEIR MONEY FROM OTHER PLACES
THEY STOLE FROM US
THE MAIN STORES COMPANYS WE HAVING ISSUES WITH WILL BE LISTED FIRST ALL THE REST ARE POSSIBLE PLACES WHERE SUPPOSEDLY THEY ARE WHICH ONLINE AND ON SOME OF THEIR WEBSITES THEY ARE LISTED ON ONE OF THE TWO ADDRESSES LISTED FIRST. ALSO NAMES OF SOME OF THE ASSOCIATES THAT WERE THE MAIN ISSUE ARE LOCATED AT THE XXXX AR LOCATION, THE ONES TO INDIANA ARE NOT EVEN AT THAT LOCATION I FOUND OUT
XXXX XXXX
XXXX XXXX XXXX XXXX XXXX AR XXXX
XXXX
THE FOLLOWING PEOPLE WHO DID THIS AND HAVE NOT CONTACTED US LIED TO US AND REFUSED TO TALK TO US AND TOLD US
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| 11/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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On XX/XX/XXXX I went into XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, Ohio XXXX to purchase a car in which my credit for approval was ran and I was able to get a XXXX XXXX XXXX XXXX. Per my Truth in Lending I was a approved for XXXX with an APR of 22.9 % and the sticker price of the car was XXXX with over XXXX miles. I signed and left with the vehicle after putting down ( cash on deliver ) {$2000.00} with a deferred down payment of {$5000.00} in which was to be paid off within 4 months in which was paid off early in the month of XX/XX/XXXX. I also purchased a power train service XXXX at the price of {$2400.00} on XXXX XXXX, XXXX in hopes that I would have been covered for major and emergency repairs per the advisement of the agencys sells reps which brought my financial charge to a grand total of {$9400.00}. Within XXXX weeks of having the car the check engine light came on and I took it in to be serviced and I lost a job due to the inability to get to work with the car. On or around XXXX the car started to overheat with a repeat of the original symptoms of trans clutch and oil problems which made the car not driveable and it was repaired or so I thought and I lost my second job due to the inability to get to work because of the car in need of major repairs. Around XXXX the car repeated the same symptoms and was found out that the main seal of the engine was in need of repair and it should have been covered under the lower train Warrenty because of the nature of the repair needed which was a power train related item and it was not repaired due to the service XXXX saying that it was not a covered item and a day or so later my XXXX was canceled by the XXXX agent and there were supposed to be a return of the money for the service XXXX and there was a receipt given to me and O was told that I still had to make the make the payment in full and that the money for the return was put towards the interest and principal of the car. On XXXX when I went to make a payment on my car I still havent seen a reflection on the refund of the power train Warrenty and I notice asked for all of my paper work for the car plus including any services preformed and I was not able to get the paper work l of the car and by that time I have lost my XXXX job due to the fact that I continued to have problems getting to work due to the car needing major repairs. I also did the math and concluded that I payed out over {$13000.00} to still have car in needed of major repairs and I became very disappointed and I felt that there has got to be other options. So I decided to look up law and found that there was major mistakes regarding my loan and XXXX in XXXX Statements as well as the price of the car was inflated by double the amount the car was valued at which at the time was only {$7500.00}. Also my FINANCE CHARGE was added to the principal balance and the XXXX reported to XXXX, XXXX and XXXX was at a rate of 26.89 % which was a direct breach of contract per my Truth in Lending. Also I was not informed of my right to cancel the contract with applicable forms to do so. As revealed more inconsistencies within my auto loan and direct violations regarding my rights as a consumer I decided to rescind my contract using 15 USC 1635 SUBSECTIONS A, B, C, E and F and gave them proper notice on XX/XX/XXXX in which was notorized and sent by certified mail to XXXX XXXX. I waited the alloyed 20 days after my action for a return of my security interest and all money paid to them per the law of XXXX5 USC 1635 which was the rules and it has not been received.Upon receipt of the notice I. Which they signed for the company owner of both XXXX AND XXXX gave me a call and made threats that this was a legal matter and I had to have an attorney and I replied with this is legal true indeed but its something well within my scope to exercise because your company has violated my right as a consumer and due to your failure to adhere to the Truth in Lending Statement given to me in XXXX XXXX. Instead they company and financing company recognized my right to rescinded by waiting the 20 days and then soon afterwords tried use creditor remedies after XX/XX/XXXX. First they put another hard inquiry on my credit report as well as tried to repo the car on XXXX, XXXX. The tow truck driver was very aggressive and abrasive and did not adhere to the clauses of Creditor remedies of Subsection D in regards to the truth in lending statement and after the police was called and the guy was made to put my vehicle down and the creditor was called there was only the owner trying to cancel the contract in order to procure the vehicle in question in which I refused because I understand that he was supposed to make a performance in which he, his agents nor any XXXX party associated with the the agency of the creditor made in regards to the cancellation of the contract. He has still since tried to repo the car under the fact that the contract in his eyes still stand in which is inaccurate and very inappropriate. Also they have started to report positively on my credit report but still active trying to reposes the vehicle off of my property located behind another vehicle that I own. I was also told to barracked them car because its a civil matter and law enforcements only job to make sure its civil. Nothing has been civil and the agents of the repo company has not and still refuses to identify theyre self as well as continue to act in a predatory matter in which is still considered a direct violation of my rights as a consumer. The police has been called several times and more so almost every night from XX/XX/XXXX through the XXXX of XXXX due to the fact that theyre trying to procure my vehicle by driving on to my property and ignoring posted signage of private property as well as my rights to protest and protect my abode and members within the structure and property lines of my home. They also have in marked vehicles and unidentified people driving around my home and to see if XXXX home and if I am home they walk onto my property and check my door handles to my home and to the vehicle in question as well as my other vehicle to intimidate and to cause further duress as the police are not on scene and takes their time to get there and is not taking anything serious and me and my children are terrified to XXXX XXXX that I had spend a lot more money on surveillance equipment and not getting any sleep. Which directly is an infragment of my peace and freedom as it comes to my citizenship guaranteed through the UNTIED STATES OF AMERICA, CONSTITUTIONAL RIGHTS AND CIVIL RIGHTS AND CONSUMER RIGHTS.
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| 09/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Dear Sir or Madam, *1. CNAC - XXXX Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
I immediately disputed this information with CNAC - XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 09/29/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Dear Sir or Madam, 1. CNAC - XXXX Account Number:XXXX**** Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with CNAC - XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 10/20/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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1. CNAC - XXXX Account NumberXXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with CNAC - XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 09/04/2022 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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XXXX - Called CNAC and spoke with XXXX XXXX and scheduled a payment for {$400.00}. Advised that i recently switch jobs and needed to change my payment frequency from every 2 weeks to bi monthly. He stated that wouldn't be a problem I just needed to provide proof by sending in copies of my new paystubs which I emailed them to XXXX after we ended the telephone conversation. I received no response so I assumed the frequency had been updated.
XXXX - I started receiving collection calls from XXXX XXXX with CNAC. Even if I was still on my old pay frequency my due date wouldn't have been until XX/XX/XXXX so CNAC was calling attempting to collect the payment before it was even due. I explained to XXXX XXXX that I had already sent in my paystubs and I had spoken to XXXX the month previous and she said nothing was noted on my account.
XXXX - I sent XXXX XXXX XXXX and email with the attached paystubs that I had previously provided and recapped what we had discussed and again I received no response.
XXXX - XXXX XXXX starts calling again to collection the payment and I politely advised her that I did not receive my next pay check until the last day of the month and I preferred to make the payment at that time. She then advised me I needed to email the paystubs to her. While these people are calling me I am trying to work and they continue to interrupt me at work with no regards that I need a job so I can make the payment. XXXX advised me that she was going to have draft a document and she would send to me and I would need to sign and send it back.
XXXX - I received an email from XXXX XXXX at CNAC with a document attached and advised me that I had 10 minutes to sign the document and send it back to be processed. Again this is in the middle of the day while I am at work. The document basically stated that they were altering my original contract that this was considered a Forbearance agreement due to my financial hardship. I was not having a financial hardship at that time and I didn't feel comfortable signing a legal binding document that had incorrect statements within the document. Reluctantly, I signed the document and sent it back to XXXX and in the email I advised her that I did not agree with the document that it has incorrect information documented within the document and that I was not experiencing a financial hardship. XXXX responds to my email and states, " Then I won't process the change '' even though I signed the document.
XXXX - I made a payment in the amount of {$220.00} as my payment would have increased from {$190.00} to {$210.00} if I changed the frequency from every other week to bi-monthly.
XXXX - I received an email from XXXX XXXX advising me that my access to make online payments on the CNAC website had been suspended. I responded and advised XXXX that I would be in touch with an attorney. During this time I was in the process of moving residences due to a XXXX XXXX ongoing issue with my ex partner and for my safety I had to move residences and change phone numbers because I was being XXXX and XXXX which is also when I did start experiencing financial hardship which is an entirely different story regarding the person I was renting the residence from.
XXXX - CNAC drafted {$160.00} out of my XXXX XXXX checking account and processed the payment as if I had swiped the card at the dealership. I never went to the dealership and I couldn't have made the payment online because remember on XX/XX/XXXX they disabled my access. Below is how the transaction appeared on my bank statement : PURCHASE AUTHORIZED ON XX/XX/XXXX CNAC FL XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX - CNAC drafted {$190.00} out of my XXXX XXXX checking account and processed the payment as if I had swiped the card at the dealership. I never went to the dealership and I couldn't have made the payment online because remember on XX/XX/XXXX they disabled my access. Below is how the transaction appeared on my bank statement : PURCHASE AUTHORIZED ON XX/XX/XXXX CNAC FL XXXX XXXX FL XXXX XXXX XXXX XXXX - I submitted a dispute with XXXX XXXX regarding these two transactions because I never authorized these payments. XXXX XXXX opened a case ( Claim # XXXX ).
XXXX - XXXX XXXX issued me a provisional credit of {$350.00}.
XXXX - CNAC again drafted {$190.00} out of my XXXX XXXX checking account and processed the payment as if I had swiped the card at the dealership. I never went to the dealership and I couldn't have made the payment online because remember on XX/XX/XXXX they disabled my access. Below is how the transaction appeared on my bank statement : PURCHASE AUTHORIZED ON XX/XX/XXXX CNAC FL XXXX XXXX FL XXXX CARD XXXX This makes three times that they intentionally taken money out of my personal checking account without my authorization and has caused me to overdraft my account with XXXX XXXX.
XXXX - I submitted another dispute with XXXX XXXX ( Claim # XXXX ) XXXX - Six hours after submitting the dispute to XXXX XXXX they sent me an email stating the investigation was completed and that I was not receiving a credit to my account and I would be receiving a letter in the mail explaining why.
This is a blatant violation of my consumer rights for Unauthorized funds withdrawals by a debt collector and is a violation of my consumer rights under the Fair Debt Collection Practices Act ( FDPCA ) or could be considered a violation under the Electronic Funds Transfer ( EFTA ). I will be seeking legal counsel to address these issues. Also please keep in mind that when I received the email from XXXX on XXXX suspending my ability to make online payments I was only due for one payment and he advised in his email that there were no secure holds whatever that means. Since that time I have received multiple emails from XXXX XXXX and XXXX XXXX threatening legal action against me. This place really needs to be shut down. What they are doing to be people is illegal.
|
| 10/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Dear Sir or Madam, 1. CNAC - XXXX Account NumberXXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with CNAC - XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 01/28/2020 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
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I did a voluntary repossession returning the vehicle financed through JD Byrider on or around XX/XX/XXXX. The account was charged off. Then last year in XXXX XXXXI received a notice that XXXX XXXX XXXX would begin taking legal action against me by filing a suit against me rendering a judgement which would give them legal means to freeze or levy my bank account or accounts. I receive XXXX benefits. At the time I financed a XXXX XXXX XXXX while working at XXXX XXXX to supplement my income. I became unemployed and could no longer afford to pay the monthly payments. I turned over the vehicle and they were franticly telling me as I was walking out the door that they had a form that I needed to sign. I dont know what the form was or what it said as I never signed it. I just got into my friends car and he drove me home. I hadnt received any notices in writing via mail or phone from any collection agencies until XX/XX/XXXX when I received in the mail a collection notice stating that if I did not respond or dispute the debt that XXXX XXXX XXXX would begin taking legal action against me filling a lawsuit and a judgement would be rendered giving them the legal means to levy or freeze my bank account and in addition to that garnish my wages for outstanding debt. I called the collection agency JD Byrider aka CNAC had turned over to XXXX XXXX XXXX. I spoke with a Mr. XXXX and I dont recall if I told him that I received Social Security XXXX. I did tell him that I worked part time at XXXX XXXX XXXX. I wasnt going to respond to the collection notice thinking it wasnt legitimate. I called CNAC and spoke to a female ( I cant recall her name ). I asked her if she could please provide me with the Collection Agency they used as I wanted to confirm that XXXX XXXX XXXX was a real collection agency. The female did verify that was the collection agency they turned the account over to. At the time in XX/XX/XXXX I had verified that I was XXXX XXXX and was honest with Mr. XXXX. I in good faith and conscience desired to address the debt since I was being threatened with a civil lawsuit and was threatened that once a judgement was made against me that my bank account and other accounts would be frozen or a levy would be enforced preventing me access to my bank account. The bank account I have is with XXXX XXXX XXXX and I have direct deposit of my SSDI benefits to my account. I thought about calling Mr. XXXX back to confirm with him that most of my income is from SSDI. Since I worked part time at XXXX XXXX XXXX I decided to not go to blows with XXXX XXXX XXXX over the outstanding debt as my conscience bothered me greatly over knowing I had this negative mark in my credit file. I did agree to pay XXXX XXXX XXXX {$250.00} a month due on the XXXX of every month until the account is paid in full. Mr. XXXX I do recall telling me he would see about helping me something about a reduced amount or something of that nature. I thought okay great I will be helped with getting some kind of credit towards the debt owed. Maybe I didnt understand what he was telling me as I was scared and nervous just even picking up the phone. Honestly I was wanting to do the right thing because I thought it would help my credit score and turns out it has not. I was told by a few friends NOT to respond or agree to pay anything and to ignore the collection letter. I had been a XXXX XXXX for 12 years and I got clean and have been clean for 3 years and before that clean for 4 years but I XXXX. I became XXXX and lived on the streets of XXXX XXXX even tried to XXXX XXXX I got myself clean on my own. I went cold turkey. It was the best decision I ever made. I went to working on my credit about 2years ago. I paid off 4 charged off creditors. Even though I paid in full it really didnt help my credit. It showed paid but still as a collection. Fortunately 2 of the paid collections were deleted from my credit file. I apologized to Mr. XXXX for ignoring the letter but I told him I put aside my fear and that I was working on cleaning up the damage I caused myself. I guess what Im saying is Im no longer homeless and I have food to eat and a place to sleep at night. Im glad to be alive and happy I chose to not XXXX or jump off the XXXX back in XXXX. Im sorry for telling you all this but I just want you to know Im not complaining about it because what I learned is to let go and let God and to accept things as they are. I didnt fight Mr. XXXX the collector for XXXX XXXX XXXX as I wanted to be at peace with myself about my debts I created and failed to pay in full those companies I owed. After all if I didnt pay my debts then Im a liar. I agreed to pay those companies I owed and if I didnt make good on those outstanding debts then I would be in fact a liar. I didnt want that on my conscience. I was financially responsible. I now help others and have even help a few pay their debts whenever I had the means to do so. I learned that the 12 steps to sobriety is worth it. Today I love myself and Im proof that it works if you work it and the promises really do come true. I reclaimed my life. And even when my Father passed away XX/XX/XXXX I didnt relapse. I stayed focused on myself even though I wanted to numb the pain over the loss of my Dad. I didnt I got through because of my Higher Power. Please forgive me if I used this filing of a complaint to tell you what happened in my life which effected my choice to pay the debt owed to CNAC. I could have argued the point with Mr. XXXX that they couldnt legally collect this debt since I am receiving SSDI but I didnt. I believe that God knows what I must do and so I listened. After almost 2 years working on my credit I went from a XXXX credit score to XXXX as of XX/XX/XXXX. Thank you for allowing me to share these thoughts with you.
Respectfully, XXXX XXXX XXXX XXXX
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| 08/12/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CNAC - XXXX bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
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| 10/05/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. XXXX bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 07/17/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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I am filing this complaint because I was taken advantage of by J.D.ByRider and the CNAC finance company in XXXX FL. I was charged an extremely high interest rate for a XXXX used XXXX XXXX that has only a Kelly blue book value of XXXX at most, and that is if it is in superb condition. I was charged {$11000.00} for this car not to mention a finance charge of {$5900.00} and with interest included the price came out to be {$20000.00} for a car that initially was only worth XXXX grand. I am very upset with this company and angry, I do not even know how morally they could do this to anyone. They made it seem as if this XXXX was all we could afford and that our credit was very bad and it was not, we recently used the same credit scores to get a newer vehicle that is a XXXX in great condition with only 14 percent interest rate and no down payment. JDByRider charged us a {$3100.00} down payment and also took our vehicle that we had previously paid off and only gave us XXXX dollars for it! They are scam artists and liars, they didn't want to honor their service contract and warranty we had with them for the engine that was covered instead they found a way to blame us to get out of honoring their contract and fully fixing the problem free of charge to us. they never wanted to fix anything, and they barely maintained the car, our car was smoking the very first week we got it, and they gave me the run around for a few days and i was very mad about their service hours not being accommodating and by appointment only which made it very hard. They never wanted to call anyone back and many times i had to call continuously because they never wanted to pick up the phone. we took the car in to be serviced a few times, after each time the XXXX it seemed as if it got worse and worse. My husband took the XXXX in to be serviced and then maybe a couple weeks later the brakes started screeching very loud, my husband was actually told by a worker that JD, ByRider did not put the right brakes on the car but put cheaper brakes on that wear easily, and when I told them about this they didn't care they said they did their job and that we need to pay to get the right ones. Some time after that my husband started having trouble with engine it seems like right after we took it in maybe a few weeks later we are having issues again, this time the engine started overheating. So my husband is coming home from work and he is on the highway it starts overheating he said he pulled over let it cool down and then drove home and he told me and I called JD.Byride the next day. I had to schedule an appointment since they only work as their contract says by appointment only. In the meantime my husband took the car to XXXX XXXX XXXX and the fluid was very dry in the vehicle which is odd because we had just got the car serviced, which lets me know they do not properly do their job and inspect their vehicles when they are brought in, not to mention their was a leak in the radiator hose which was causing the XXXX to overheat if the vehicle was properly checked when we brought in a couple weeks before I know they would have found the leak in the hose. My husband applied a piece of engine tape and he got the car to the appointment. We were floored when we found out that the engine that was covered in our warranty was completely bad and the whole thing had to be replaced and we were responsible for paying for a new engine which was supposed to be covered in our warranty. Their loophole was that we drove the car while it overheated my husband did not he let the car down and then he drown home, they said we should left the car on the highway and got it towed to them even though their service department was closed and by appointment only, which does not make sense to leave the XXXX if no one is there. This clause is in their contract purposefully, to save their skin from paying customer repairs. I do not remember this key information but they did warn us several times that if we didn't pay our vehicle on time it would be shut off and they would come and repossess the very next day if we are late on just one payment. The CNAC Fiance Company has also yet to produce all the payment statements I asked for, for the time we had the vehicle, I thought it very strange that all the payment amounts did not show up on my payments statements especially the {$1500.00} dollar payment, I made directly to them in XXXX. All in all this has been the worst experience of my life, this has hurt my family, and if it does not get resolved it would hurt my credit we were hoping to purchase our first home this year and this has definitely set us back and I hope to get this out to at least someone that this place needs to be shut down for good! I do not want another family to go through what we have been through their practices are deceptive they prey on people and they try to pass off bad cars as if they are good, the try to also instill fear in you to pay them regardless of the situation they do not hold up on their end in the service department and they do not help their customers at all. Please Help!
|
| 07/18/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
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|
Web |
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I am filing this complaint because I was taken advantage of by J.D.ByRider and the CNAC finance company in XXXX FL. I was charged an extremely high interest rate for a XXXX used XXXX XXXX that has only a XXXX XXXX XXXX value of XXXX at most, and that is if it is in superb condition. I was charged {$11000.00} for this car not to mention a finance charge of {$5900.00} and with interest included the price came out to be {$20000.00} for a car that initially was only worth XXXX XXXX. I am very upset with this company and angry, I do not even know how morally they could do this to anyone. They made it seem as if this XXXX was all we could afford and that our credit was very bad and it was not, we recently used the same credit scores to get a newer vehicle that is a XXXX in great condition with only 14 percent interest rate and no down payment. JDByRider charged us a {$3100.00} down payment and also took our vehicle that we had previously paid off and only gave us XXXX dollars for it! They are scam artists and liars, they didn't want to honor their service contract and warranty we had with them for the engine that was covered instead they found a way to blame us to get out of honoring their contract and fully fixing the problem free of charge to us. they never wanted to fix anything, and they barely maintained the car, our car was smoking the very first week we got it, and they gave me the run around for a few days and i was very mad about their service hours not being accommodating and by appointment only which made it very hard. They never wanted to call anyone back and many times i had to call continuously because they never wanted to pick up the phone. we took the car in to be serviced a few times, after each time the van it seemed as if it got worse and worse. My husband took the van in to be serviced and then maybe a couple weeks later the brakes started screeching very loud, my husband was actually told by a worker that JD, ByRider did not put the right brakes on the car but put cheaper brakes on that wear easily, and when I told them about this they didn't care they said they did their job and that we need to pay to get the right ones. Some time after that my husband started having trouble with engine it seems like right after we took it in maybe a few weeks later we are having issues again, this time the engine started overheating. So my husband is coming home from work and he is on the highway it starts overheating he said he pulled over let it cool down and then drove home and he told me and I called JD.Byride the next day. I had to schedule an appointment since they only work as their contract says by appointment only. In the meantime my husband took the car to XXXX XXXX XXXX and the fluid was very dry in the vehicle which is odd because we had just got the car serviced, which lets me know they do not properly do their job and inspect their vehicles when they are brought in, not to mention their was a leak in the radiator hose which was causing the van to overheat if the vehicle was properly checked when we brought in a couple weeks before I know they would have found the leak in the hose. My husband applied a piece of engine tape and he got the car to the appointment. We were floored when we found out that the engine that was covered in our warranty was completely bad and the whole thing had to be replaced and we were responsible for paying for a new engine which was supposed to be covered in our warranty. Their loophole was that we drove the car while it overheated my husband did not he let the car down and then he drown home, they said we should left the car on the highway and got it towed to them even though their service department was closed and by appointment only, which does not make sense to leave the van if no one is there. This clause is in their contract purposefully, to save their skin from paying customer repairs. I do not remember this key information but they did warn us several times that if we didn't pay our vehicle on time it would be shut off and they would come and repossess the very next day if we are late on just one payment. The CNAC Fiance Company has also yet to produce all the payment statements I asked for, for the time we had the vehicle, I thought it very strange that all the payment amounts did not show up on my payments statements especially the {$1500.00} dollar payment, I made directly to them in XXXX. All in all this has been the worst experience of my life, this has hurt my family, and if it does not get resolved it would hurt my credit we were hoping to purchase our first home this year and this has definitely set us back and I hope to get this out to at least someone that this place needs to be shut down for good! I do not want another family to go through what we have been through their practices are deceptive they prey on people and they try to pass off bad cars as if they are good, the try to also instill fear in you to pay them regardless of the situation they do not hold up on their end in the service department and they do not help their customers at all. Please Help!
|
| 11/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
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The creditor in question, XXXX XXXX, financed a XXXX XXXX XXXX , Vehicle Identification Number XXXX, in XXXX of XXXX for me when I visited a JD Byrider franchise location in XXXX , Pennsylvania . On XX/XX/XXXX, the vehicle was repossessed. As of XXXX of XXXX, the vehicle still showed on my credit report as " current/ pays as agreed '' instead of the " repossessed '' status that the account should have shown. The information was still reported this way to the credit bureaus until XX/XX/XXXX, when I filed a chapter XXXX bankruptcy in the XXXX XXXX of Virginia. The account was not showing current for XXXX or XXXX, but was showing current/pays as agreed for XXXX. I attempted to contact the creditor, per XXXX, to make the change to my credit file. I was advised by a XXXX XXXX, who stated that he was the general manager, that the file was reported correctly to XXXX as current. I advised him that I had no had the car in my possession since XXXX of XXXX, as referenced on the repossession letter I received from his office. He stated that yes, he did show the status as current, and inquired as to why I did not " just come back and buy another car '' from them, stating that he would " be happy to '' give me another car. Clearly, there was no attempt to correct the file, rather an attempt to extort and force me into agreeing to another loan in order to have the previous one reported accurately. I stated to him that I was not seeking a new loan -- I needed the loan in question corrected. He stated he did not know how to fix that or who could. He stated that the next reporting would reflect correct status, as he would " make sure of it ''. The creditor then reported on XX/XX/XXXX that I am in possession of the vehicle and pay as agreed, with a current loan in good standing. I reached out again to XXXX on XX/XX/XXXX, who advised me that they have several records of XXXX responding to my now four disputes by stating that the status is correct as is, pays as agreed/ current. XXXX stated that only XXXX could make the correction and change the file to report appropriately. As a last effort, I contacted XXXX directly, asking for a manager. I was given to a man who would only identify himself as XXXX, and not give his proper title. " XXXX '' proceeded to insult me, telling me that it " doesn't matter, no one will finance '' me, attempted to tell me that the company can not change my credit file, then stated that they had changed it with XXXX and XXXX. He argued with me, and was not at all helpful in my original request -- to just get the status of the account corrected. He stated several times that XXXX and XXXX appeared to be correct, so " what is the big deal ''? He stated that he would change the information to reflect correctly, but he would " be out XXXX XXXX ''. Based on that last comment, it is clear that " XXXX '' knew the reporting was incorrect, and was not changing it out of some illegal bias regarding the loan balance. Also of note, at no time was I asked my account number, social or the vehicle information. I did not volunteer the information purposefully, as to ascertain whether or not the team was both familiar with the account without my referencing it, implicating purposeful intent to harm my credit file. After several minutes of my refusing to hang up, despite being insulted, talked very harshly and rudely to, and debated, " XXXX '' finally stated that if I could email them a screen shot or " whatever '' of the dispute that I filed with XXXX, then he would update the information. As I have been told previously that this would be corrected and it had not occurred, I asked " XXXX '' if I should include an account number or any other identifying information in my email. He stated that I could forward a screen shot of my dispute filing from XXXX to a representative named XXXX, and that she " will know who it is ''.
It is my contention that " XXXX '', XXXX and the XXXX XXXX team is fully knowledgeable of their industry, and is acutely aware that a great number of auto finance companies in fact use XXXX in their decision to determine whether a consumer is creditworthy, and even if the other two bureaus have positive information, an open or current auto loan being reported to XXXX would effectively stop a consumer from obtaining another auto loan. Because of this, and their dismay at being " out XXXX XXXX '' on the vehicle, they purposefully reported both illegally and inaccurately to XXXX, knowing that I would not be able to secure another car as long as the XXXX account was listed as " current/ pays as agreed ''. They also used their expertise in the industry to attempt to not only ruin my credit file, but to effectively stop me from being able to get back on my feet by purchasing any other vehicle. I am going to pursue this matter in court, but I am writing this complaint as a form of formal documentation, as the status has not been updated to date, after several reasonable requests via XXXX dispute to do so.
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| 06/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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Around last year ( XX/XX/XXXX ) i had gotten a car from Byrider Bridgeview, but before then i was in the market for a vehicle. During that process, I was actually in communication with a seller at Byrider. I went into the store and we talked about the cars they had and prices. I had decided to not go with Byrider because of how expensive it was. A few weeks go by and the seller at Byrider contacts me and tells me he has a deal for me to get me the car at a discounted price. So i go in and get the car. The price indicated was around {$17000.00} after a {$1000.00} down payment. But over couple of months, I had come to the realisation that i was never paying a discounted price. I was struggling to pay because of the frequency and price of the vehicle, which was {$200.00} every 2 weeks. so around XXXX of XXXX it was repossessed. XXXX of XXXX, i had reclaimed my vehicle, but because it was repossessed they had thrown away all of my items, including the documents for the car that i had had. Since then, i was trying to catch up on payments but it was never ever easy. I had lost my job and other things for a few months that hindered my ability to work. I was able to keep myself afloat for a little bit, but it was extremely difficult. The car had also been having what seemed to be transmission issues only a few months after purchase. I was on my way to XXXX XXXXne day via expressway and my car has started slowing down on the highway. Even as i was pressing the gas and doing what normal things you do when you drive, it did not work one bit. The car had completely stopped on the highway. and it was still running, but would not move. Because of this specifically, i had less access to work around me.
Around a few weeks ago ( XXXX of XXXX ), I was shopping for insurance through XXXX when i made a surprising discovery- my cars worth was less than {$6000.00}. to be exact, the cars worth was {$5900.00}, according to the website. I found this insanely weird because I had gotten the car only a year prior and at the time i got the car, i was told the cars actual value was way higher- somewhere in between {$9000.00}. I decided to do a little research and confirmed that my cars value was actually around {$5900.00} and NOT around {$9000.00} like i had been made to believe.
The company who represents the loan is CNAC. I have been in communications with a few different account managers over the months and ive frequently asked if theres any type of refinancing for the vehicle where i can get my payments lowered like i was told, but there is never any option. They were always telling me that the only thing they offered was the XXXX program, which pushes your overdue payments to the back and you kinda start off fresh. However, it was never easy to even keep up with payments even after you had used XXXX XXXX days. Not to mention, because I had never received my vehicle documents back from CNAC after asking for them from a few different account managers, some repairs had to come out of pocket. My experience with CNAC has been extremely debilitating to my financial health, mental health, and my credit report. My credit has tanked with CNAC because they report every payment, and since they make it extremely difficult to catch up, their customers suffer the greatest losses. And i know it is not just me- it was mentioned by someone at CNAC as well. They have been repossessing so many individuals vehicles.
All in all, i am filing this complaint because i believe Byrider/CNAC to use manipulating tactics to loop you into a vehicle loan that their customers can never catch up on, and then they make you feel as if it is your fault. Ive come to understand that a lot of customers of CNAC turn there because theyre turned away from traditional dealerships for having troubled credit. CNAC uses that to manipulate and take advantage of individuals who are in need of a car, only to further tank and ruin their credit, but also isnt upfront about the true value of the car. Their account managers are pretty rude as well. Ive had an account manager that asked me why i fell behind and why i was behind for so long, as if this car is worth the {$200.00} bi-weekly youre requiring people to pay. I know for a fact i wouldve never purchased a vehicle from CNAC if i knew how much it was worth. I would not agree to pay {$17000.00} for a vehicle that is worth 1/3 of that.
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| 10/31/2020 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On XX/XX/XXXX my XXXX XXXX XXXX XXXX broke down, I was told by an employee at the company to drive with a blown head gasket to the service center. Car broke down and I immediately called XXXX XXXX who at the time was my handler, there was no answer. I then emailed Ms XXXX with hopes of having them to pick the vehicle up and there was no email returned. I abandoned the car on I95. According to the General Manager of Cnac, they impounded the car. I then asked where it is, and I was told she doesn't know. I asked has it been sold, and her response was that she wasn't sure. She said that my case has been handed to a XXXX XXXX which is the lawyer suing me for a vehicle that disappeared. I reached out to Mr XXXX XXXX and he is unaware of where the car was impounded and what happened to the vehicle. He was also trying to understand why Cnac can not provide me the validity of what they are pursuing me for. He informed me to call them back and have them give me the details of the suit because he does not have the paperwork to provide me the information. I then called back to Cnac, the general manager became short with me, I believe because i was asking too many questions that they couldn't answer. She informed me that she has no record of the vehicle anymore and that the my handler just so happen to not be employed there anymore. I told her I'm trying to figure out why I wasn't contacted in reference to this vehicle especially since they had all update contact info an addresses, why wasn't I given the opportunity to dispute the supposed amount due before it was sent to collections. She admitted to me that she doesn't have any of that information, that she would reach higher up in efforts to validate this collection and she would be sure to reach out to me via email. I asked if she had my email, she said yes, I asked her to share it with me and she could not. I gave her my email to write it down and that was the end of the conversation on XX/XX/XXXX. Before than I have disputed this with each credit bureau dating back to over a year. This company refuses to validate debt, present me with accurate information or answer any questions pertaining to the whereabouts of this vehicle. I was current on all payments, I did what I was told, which was to drive it to the service center for repairs and if it breaks down, to call them. I even emailed her to make sure I was covered. I called XXXX gave the description of the vehicle and they had nothing in the system. XXXX sent me to two impound lots in order to search for the vehicle and they have no records of it being picked up. I want to was it impounded? Was it sold? Why was I told that in the system of Cnac it shows impounded but it was never on any impound lots? This is violating so many things. Based on inaccuracies alone, this debt should be removed from my credit. My tags were never reported to MVA which now I owe because no one returned them. All I ask if for this to be removed from ALL bureaus before I have to take further measures. Reference 'Title 15 sub chapter 3..CC Fair Trade Commission ' I ask for this lawsuit to be dropped and debt to be removed from each credit bureau immediately due to inaccurate information, false documentation, the inability to validate in a timely manner, and dishonesty of the company. XX/XX/XXXX I sent over a debt validation letter. Although it has not been 30 days of the receipt of THIS particular notice, I have however asked numerous times via disputes for validation, and it has not been honored. XX/XX/XXXX will be 30 days from when the validation request was received by XXXX XXXX of Cnac-Md106. There is no vehicle, no documentation of it being impounded, no notice given to the consumer or option to dispute, my tags we not taken to MVA, No contact from my handler in regards to the car.
... ..This does not include the fact I was sold a vehicle that violated the Lemon Law. It sold over priced by more than triple the amount that it was worth, radiator and transmission went up within 2 weeks of purchase. This company violates SO many laws and has lawsuit against them not yet filed in Maryland. If proper action isn't taken on this issue my next step will be filing a lawsuit.
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| 10/07/2020 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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continuation from case number XXXX part 2. i don't know why the case was closed. before i gave a response to their response.
the woman they described is. started trying to reach out to me when i could reach her. my work schedule does not have open room for it.
but monday their was only a 5 to 10 min communication and attempt to email her information. information that may turn my issues with the jd byrider into a lawsuit court case.
because. the actions their chief cnac account and billing department did. retain my card information, use it without my permission, to use it in a claim as pay my bill. As the owner of my bank account. I have the right to authorize debit or automatic debits on bills. Their was no authorization for automatic debit payments. and i did in XXXX and XXXX inform and tell her directly. payments would be called in or sent by my banks bill pay. federal and state rules prohibit companies from retaining card information and using it unless authorized. on the week of XX/XX/XXXX to XX/XX/XXXX. their was no automatic debit authorization. and then the weeks later still no authority.
Second the purchase of the car had issues. that were verbally addressed to the manager, XXXX. those issues were then brought up to the service department for byrider. the manager for their automotive service department said that electrical issues and others were not under the policy. the issues had a series effect on the safety and protocol of driving on the road. again the issue on that were addressed to the manager on the day of the test driving. i quote " the car is used its going to have problems '' from XXXX himself. if thats the reason. I believe federal and state laws that say. a vehicle driving on the roads without a proper speedometer. are hazardous and illegal. i told the manager i looked back in the records for the cars mileage issue and when it may have started and reported. the manager told me back that " why should i be looking up that history, when no payment has been done '' i have been doing payments on the car since i got it this year..
saturday, XXXX XXXX i conversation with the woman who stole/used my debit card without authorization XXXX and the manager XXXX XXXX were informed of the following.
receiving a letter sent to my old address. A payment of that would be done on the XXXX. it was through my XXXX XXXX XXXX XXXX XX/XX/XXXX. as a bill pay. the bank processed and sent payment to them on XX/XX/XXXX, XXXX they wanted me to use XX/XX/XXXXXXXX or go to the place.
i declined to go to the place. because i did not want my anger to cloud my judgement. i have had a bad experience with XXXX. i was scammed by a company who told me to use XXXX to sent money before in XXXX those scammers have still not been caught and monies returned to me. And i refused to use and feel a repeat of before. especially when my information was not safetly secure.
last night i seen a tow company pick up the car. i did show them payment sent to them. of the amount on a letter, that was only do.
any other monies. such as a so call insurance or something else. was not on the letter documented. and only thing documented for payment was the amount i sent. the office in XXXX said. they wanted over XXXX dollars. that goes very well against what the letter stated. and again. the charge of insurance. on a vehicle that will not be driven until series DOT issues are fixed and others.
i will not accept that the payment done by my bank is considered a charge to allow what the letter sent. would claim it as a repossession marking a so call negative point on my credit. but again in the previous report. i have not seen in any of my credit reports. a payment credit post in my reports for building credit.
being forced now to go to that office. instead of human dignity manners. especially in the pandemic of Covid. where my mom is XXXX XXXX and anyone in that place not tested. is high reason for concern. against a time i can do that. from the work schedule. will also be recorded and looked into. if this is the same treatment or similar. to a jdbyrider issue in the northern states.
|
| 10/07/2020 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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continuation from case number XXXX part 2. i don't know why the case was closed. before i gave a response to their response.
the woman they described is. started trying to reach out to me when i could reach her. my work schedule does not have open room for it.
but monday their was only a XXXX to XXXX min communication and attempt to email her information. information that may turn my issues with the jd byrider into a lawsuit court case.
because. the actions their chief cnac account and billing department did. retain my card information, use it without my permission, to use it in a claim as pay my bill. As the owner of my bank account. I have the right to authorize debit or automatic debits on bills. Their was no authorization for automatic debit payments. and i did in XXXX and XXXX inform and tell her directly. payments would be called in or sent by my banks bill pay. federal and state rules prohibit companies from retaining card information and using it unless authorized. on the week of XX/XX/XXXX to XXXX first. their was no automatic debit authorization. and then the weeks later still no authority.
Second the purchase of the car had issues. that were verbally addressed to the manager, XXXX. those issues were then brought up to the service department for byrider. the manager for their automotive service department said that electrical issues and others were not under the policy. the issues had a series effect on the safety and protocol of driving on the road. again the issue on that were addressed to the manager on the day of the test driving. i quote " the car is used its going to have problems '' from XXXX himself. if thats the reason. I believe federal and state laws that say. a vehicle driving on the roads without a proper speedometer. are hazardous and illegal. i told the manager i looked back in the records for the cars mileage issue and when it may have started and reported. the manager told me back that " why should i be looking up that history, when no payment has been done '' i have been doing payments on the car since i got it this year..
saturday, XXXX XXXX i conversation with the woman who stole/used my debit card without authorization XXXX and the manager XXXX XXXX were informed of the following.
receiving a letter sent to my old address. A payment of that would be done on the XXXX. it was through my XXXX XXXX XXXX XXXX bank. as a bill pay. the bank processed and sent payment to them on XX/XX/XXXX, XXXX they wanted me to use XXXX or go to the place.
i declined to go to the place. because i did not want my anger to cloud my judgement. i have had a bad experience with XXXX. i was scammed by a company who told me to use XXXX to sent money before in XXXX those scammers have still not been caught and monies returned to me. And i refused to use and feel a repeat of before. especially when my information was not safetly secure.
last night i seen a tow company pick up the car. i did show them payment sent to them. of the amount on a letter, that was only do.
any other monies. such as a so call insurance or something else. was not on the letter documented. and only thing documented for payment was the amount i sent. the office in XXXX said. they wanted over XXXX dollars. that goes very well against what the letter stated. and again. the charge of insurance. on a vehicle that will not be driven until series XXXX issues are fixed and others.
i will not accept that the payment done by my bank is considered a charge to allow what the letter sent. would claim it as a repossession marking a so call negative point on my credit. but again in the previous report. i have not seen in any of my credit reports. a payment credit post in my reports for building credit.
being forced now to go to that office. instead of human dignity manners. especially in the pandemic of Covid. where my mom is XXXX positive and anyone in that place not tested. is high reason for concern. against a time i can do that. from the work schedule. will also be recorded and looked into. if this is the same treatment or similar. to a jdbyrider issue in the northern states.
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| 02/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Dear CNAC MD XXXX : I am responding to your contact about a debt you are trying to collect. You REPORTED me by XXXX, XXXX, AND XXXX, on MULTIPLE DATES and identified the debt as verified debt owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
Thank you for your cooperation.
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| 02/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Vehicle was purchased from JD Byrider/CNAC XXXX of XXXX. On XX/XX/XXXX vehicle was involved in a car accident that was the fault of the other party involved. Vehicle was totaled.. I contacted the office to make them aware of the vehicle being involved in an accident at no fault of my own on XXXX XXXX.. Since my initial reporting of the vehicle loss, there was no attempt to contact me by anyone in this office. The first contact had between myself and CNAC since reporting the accident was initiated by me on XX/XX/XXXX, XXXX. I spoke with XXXX per request of my attorney to get information that would detail what type of coverage for my vehicle was being purchased through CNAC. Nothing was provided despite being promised documents would be sent via email. She and I spoke for a significant amount of time this day and she made no mention of anticipation of any payment on my account. She also did not advise that it was needed. After noticing a late payment being reported to my credit, I contacted the office on XX/XX/XXXX and inquired as to why no one attempted to reach out to me and advise payment would be needed. Up until this point, all monthly payments had been made by me on time. I was also left with the impression after the initial contact regarding the accident that collection on this account would be put on hold. No one could offer a viable explanation but instead hung up on me several times. My attorney called on my behalf and was also hung up on. It was confirmed by XXXX during the interactions on that day that no attempts were made to contact me, and she apologized for that. XXXX alleged to my attorney that the reason I was unaware of payment being needed was that I was difficult to contact, I asked XXXX why she didnt express a need for payment while having an actual conversation with me if that were the case. Her response was to accuse me of playing a blame game and hung up on me. On XX/XX/XXXX, the at fault partys insurance company finished their investigation and was ready to settle the damages portion of my claim. On XX/XX/XXXX, I called the CNAC to inquire about any contact being made from the insurance company regarding this and to also provide the information that was provided to me. I requested to speak with XXXX but was later told I spoke with XXXX ; they share similar tone and dialect. XXXX confirmed that contact had been made from the insurance company. I asked if further action was needed by me on my account and she stated no. Another late payment was reported to my credit on XX/XX/XXXX. I called the office back and spoke with XXXX on XX/XX/XXXX, who advised that the account is still open because they have not heard anything from the insurance company and that XXXX was no longer with the JD Byrider and no one could access her emails. I followed up with the insurance company on XX/XX/XXXX, I was told that XXXX was not who was contacted regarding my account however XXXX had been contacted on XX/XX/XXXX regarding my account. The insurance company representative attempted to contact XXXX on my behalf during this call but was unsuccessful in her attempt and left a message. I called the office personally and was able to speak with XXXX on XX/XX/XXXX. She claimed that a Letter of Guarantee had been sent out by her on Saturday XX/XX/XXXX exactly 12 days from when she was contacted despite telling me on Friday XX/XX/XXXX there had been no contact made at all from the insurance company. I was also told on XX/XX/XXXX by the insurance company that they had only been awaiting the Letter of Guarantee and as of that day they still have not received anything. The lien holder CNAC has been negligently dragging out resolution of my account and providing me with misinformation while simultaneously reporting negatively to the credit bureaus causing detriment to my livelihood and credit worthiness in response to their own incompetence.
|
| 06/20/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
|
|
Web |
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I purchased a vehicle from a finance institution that now I see goes under XXXX different names at the same address which confirms my claim of fraudulent activity. They are called CNAC Financial and also Known as BYRIDER FINANCE LLC. Located at ; XXXX, INDIANA XXXX On XXXX XXXX, XXXX I purchased a XXXX XXXX XXXX and also a service warranty was attached. The sales person also at that time assured me that the vehicle had went threw their point inspection and that the car would be reliable for me and my family. After only a little over a week I contacted the service department with problems with the vehicle, we scheduled an appointment. I took the vehicle in on a Thursday morning, on Friday I called the service department to see when the car would be ready not anticipating what the worst. The lead man over service XXXX said this to me. He said there was no way that this vehicle could have went threw thier inspection cause of the things that are wrong with the vehicle. The problems could not have been missed like, Gasket Leak Around Engine, Fuel Line Leak From Corrosion, Problems With Exhaust, And Water Pump. XXXX said they had to order parts. XXXX and The Service Manager XXXX claimed they would fix all the problems and the car would be fine.I Dropped the Vehicle Off On Thursday, They gave me back the Vehicle on Monday, and The Service Department Closes At XXXX And They Are Not Open On Weekends. 2 -3 weeks later Same Problems. I called XXXX, I said your guys Did Not Fix The Problem Vehicle is Performing The Same as when I brought it in before. Once again I immediately called the CNAC/ BYRIDER FINANCE LLC people to complain about the issues of this car not being Safe and how the vehicle should have never left the lot with these types of Dangerous, Life Threatening issues.This is Twice they have let this Vehicle leave the lot. I even asked for this vehicle to be replaced in the Program Called Help To Repair Or Re- Establish My Credit. Since CNAC/JDBYRIDER FINANCE LLC ATTACHED A PRICE TAG OF XXXX DOLLARS TO THIS CAR. YES. XXXX DOLLARS. BUT THEY ONLY REPORTED XXXX DOLLARS TO THE CREDIT COMPANIES. I talked to CNAC/JDBYRIDER again around time for my car payment to be due about my issues. And my conversation with someone named XXXX and another individual became horrible, confrontational and inhuman. They asked me things like How Am I Eating? How Am I Paying my Rent? and Who was Paying My Bills? I was told that I Should Sell Something In My House. Cause I 'm 3 Days Late on My Payment. I tried talking to the Branch Manager XXXX, explained what was going on and How I No Longer Feel Safe In This Particular Vehicle. He Said He could not help me to get into another Vehicle and How My Contract Was Not With Him, But With CNAC/ JDBYRIDER. I Stressed To Both XXXX and CNAC/ JD BYRIDER FINANCE LLC . The Safety Of The Vehicle and How I AM NOT GOING TO DRIVE THE VEHICLE AND HOW FOR MORE THAN A WEEK I 'VE BEEN PLEADING WITH THEM TO PICK THE VEHICLE UP. AGAIN I STRESSED TO CNAC/JDBYRIDER And BRANCH MANAGER XXXX, How They Expect Me to Continue to Drive This Vehicle On My Insurance And How If Something Where To Happen Just Bringing This Vehicle To Them. They Would Fraud My Insurance Company BY Not Ever Acknowledging The Danger and Safety Of This VEHICLE. They EVENTUALLY PICKED IT UP ON XXXX/XXXX/XXXX Only AFTER I TOLD THEM THIS AND I REFUSED TO PAY SUCH A HIGH PRICE FOR SOMETHING THAT THEY KNEW WAS DANGEROUS AND UNSAFE THEY TOOK ADVANTAGE OF A XXXX WOMAN WITH A FAIRLY DECENT JOB AND PAY. AND THEY SENT ME OFF THAT LOT NOT ONCE BUT TWICE. THEY DID NOT CARE ABOUT MY SAFETY, THAT CAR COULD HAVE BLOWN UP. ALL THEY WAS CONCERNED WITH WAS THE 3 DAY LATE PAYMENT. NOT SAFETY OF VEHICLE, MY PERSONAL SAFETY OR SAFETY OF MY LOVED ONES. ALSO ALL CALLS WERE SAID TO BE RECORDED.
|
| 06/21/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
|
|
Web |
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XXXX XXXX I contacted cnac XXXX them know we need XXXXwork out something because my rent was going up XXXXfull market rent of XXXX I 'm on XXXX with me & my daughter working & both receiving social security from me n XXXX it would b difficult XXXXmaintain a XXXXcar payment they said they could n't do nothing & someone would contact me on monday no one did until XXXX XXXX when they tried XXXXrun my debit card & was declined payment I informed them there was no payment XXXXget because i had payed rent & that month I had only recieved XXXX from social security XX/XX/XXXX which was my XXXX payment I said I 'd c what I could do by this time I was n't working due XXXXmy client 's declining health & my restrictions of weight I could lift XXXX XXXX I got the call they had XXXX called me throughout my hospital stay & I had numerous complications I spent XXXX XXXX & got out XXXX XXXX I made a payment that month because they had lowered my rent to XXXX I made a payment n XXXX & did n't pay rent trying XXXXshow good faith as I 'm traveling back & forth XXXX clinic XXXX follow up I was still a payment behind they informed me of a fresh start program i had XXXXget insurance because mine had lapsed on XXXX XXXX XXXX I could n't afford it with my daughter on XXXX & XXXX of funds n XXXX I got my taxes & payed double rent for XXXX & XXXX after going back & forth i was told I could do the fresh start long as I made payment on time which I did I was still pinching off taxes i was told XXXXof my XXXX did n't & they 'd cost me XXXXa month plus my co pay of my XXXX n XXXX taxes were gone & I was back n the boat of not being able XXXXkeep up wit payment they were calling me weekly sometimes XXXXtimes a wk they were telling me XXXXsell items I told them I had nothing of value n my home i dont have new flat screen tvs no game systems nothing XXXXpawn n XXXX & XXXX i made partial payments cause im only getting XXXX i have XXXXmake that strecth XXXX 30or 31 days & im going back & forth XXXX XXXX & XXXX XXXX & going XXXXthe XXXX a week XXXX later n XXXX the car wasnt running well I was afraid XXXXdrive it mostly long distances like XXXX I got an oil change @ XXXX XXXX {$24.00} they told me i needed a wheel alignment a tire rod on drivers side & some work n the back of car with struts or something it would be XXXXworth of work i could break it dwn & do wheel alignment & tire rod XXXX {$190.00} i took it elsewhere & they told me i need wheel bearing on both sides the left was worse it was just a matter of what pot hole & how i hit it all the work plus labor would cost XXXX I talked with a friend as i was distraught & they found someone who would fix wheel bearings & tire rod wit parts & labor XXXX {$650.00} the only way I 'd have enough was not XXXXpay my rent & not give cnac the partial payment i had been when they made the weekly call i told him i didnt have money cause i used it XXXXfix car & i wouldnt have money again til XXXX XXXX he was angry & i knew he would prob try XXXXrepocess car XXXXnxt 2weeks a different man calld yesterday being most recent i informed him I still didnt have money XXXXpayment but i had asked XXXX if i could try XXXXgo back XXXXwork they said yes so I 'd be looking for something part time on wknd or late evening being i have numerous appts during day & week he said good & maintain my weekly calls round XXXX the repo man showed up XXXXtake car after contacting cnac they said im XXXXpayments behind & have XXXXtake it i asked y wasnt i informed earlier when i had talked XXXXsomeone not even XXXX ago they said they didnt have XXXXsay anything my daughter & her gma said they make past due amount they said call XXXXmorrow & they were still taking car & after payment id have XXXX wait 3-5days XXXXput n tracker & auction
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| 10/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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Hello, I am XXXX XXXX.
I purchased a car from Byrider in XXXX Ohio back on XX/XX/XXXX. XXXX.
The car was sold to me with a bad engine.
Started XX/XX/XXXX Tuesday morning.
XX/XX/XXXX. Took car to friend of my brother in law. XXXX XXXX works for XXXX XXXX said engine going bad.Engine light will keep coming on and off until repaired or replaced. o whom this may concern, NEW Acct # XXXX XX/XX/XXXX.
This certainly puts XXXX XXXX your vehicle you sold me.I am requesting a refund in the amount of {$200.00} cash as soon as possible due to the fact that your dealership sold me a illegal car that has a bad engine in it and NEVER should have been SOLD!
Totally not cool.
I am now without transportation and have paid you money I have no way to get back-and-forth to work.I must have a safe dependable car to work with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they have also saw the car with the engine light on and has informed me that I can not drive their students back-and-forth to school with an unsafe car!!
this is a major problem that you all have put me in for no reason and all I did was come in to buy a car I will not stand for this! I have asked my lawyers to seriously intervening with this I will not pay {$17000.00} including XXXX finance charges totaling up {$30000.00} for a car that has a bad engine in it that shouldnt have never been on the market for sale.under the lemon law this is illegal and seriously unethical and I want my money back.
I have forwarded over this complaint to my attorney, federal trade and consumer protection agency asking them to also intervene to get me back my {$200.00} cash down payment back asap!
the deposit down payment was a total of {$500.00} back on XX/XX/XXXX, XXXX decided to stop payment on a {$300.00} check due to this horrible situation.
I will not be purchasing a car that has an engine light come on three days after purchase. the engine light in the XXXX XXXX XXXX remained on the entire week after purchasing on XX/XX/XXXX.
On XX/XX/XXXX, I did have a friend that works as a XXXX for XXXX XXXX 20 years personally do me a favor and look at the car this past Monday XXXX XXXX mechanic from XXXX XXXX that also has his own auto body shop basically told me that someone purposely fully reset check engine light which is illegal!
The gentleman that looked at the car saw the engine light on said he would not reset the code to the bad engine light on the car your dealership sold me because I did not buy the car from the company he works for which is XXXX XXXXI have also posted the photos to show your Finance company enough proof that the bad engine problem does exist!
I have already lost two days work and two days pay! Please return my funds so I can purchase another car.I would like a refund because I no longer trust ANY of your vehicles on the BYRIDER LOTto be working safely and properly thank you.
Swindling a customer is totally unethical and after reading your XXXX reviews and seeing previous remarks about your BYRIDER CAR COMPANY on various LOCAL media news TVI will not toy with this! I am also going to contact the attorney generals office and Ohio and ask them to close your doors! This is really bad! you have 24 hours to issue my {$200.00} cash refund payment.I sincerely want no trouble I just want my money back and walk away which I feel as a customer I am entitled to do.lets keep this mute so this does not get big and awful and cause you guys a great deal of embarrassment.. a simple refund would do.
Respectfully.
XXXX XXXX XXXX
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| 05/15/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I have a vehicle loan through XXXX XXXX by rider in XXXX XXXX Pennsylvania. I am having a lot of trouble with the collection process my payments are due on the fourth and I have a new person that has taken over my loan her name is XXXX she calls and harasses constantly she let me make an agreement to pay on a certain day and then started harassing me two days before that payment was due and I have that on a text message and then she proceeded to argue with me for an entire day through text message. I have a warrantee that I pay through with my car loan that they will not honor the warranty if the payment is late and nowhere does it say that so I have a car that has all kinds of problems which I have told them about six months ago that they won't even look at because she says that the payment was not on time so the warranty can't be used when the payment is on time they still won't let me use the warranty because they say nothing is covered and they want me to have it checked by them but I have to pay for it I had it checked by my own mechanic and he said there's so much wrong with it then I need to just get rid of it. I've been trying to refinance the loan and get another vehicle with another company but they want me to pay so much on it that I still owe {$7000.00} on a car that's only Worth about 2000 and they will not help in any kind of way whatsoever. XXXX also called my family members and she calls my cell phone or leaves messages and text messages up to 17 times a week and that's only when it's been a couple days late. She's been told not to call my family members and she still does she has been told not to call me at work and the message I got was that the only place I can get hold of you I will keep calling there as long as I can get hold of you they're even after I told her not to. I asked if I could make partial payments and they don't except partial payments the one time they did except it they didn't even use it to put against the balance of anything they said that that was extra interest for the 10 days being late on the car payment that I was already paying interest on so it's like they took the interest and added interest onto that again. I have reported her to her supervisor and they have not done anything about it. I had XXXX in XX/XX/XXXX and while I was in XXXX my boyfriend had my cell phone he is not on the loan he is not authorized to answer any questions about the loan he is not authorized to do anything with the loan and she went and told him everything about my loan and how behind I was and that my insurance was canceled when it was not we just switched companies so all in all this company has done absolutely nothing but harass me I have had this loan for about 19 months it has never been late enough to even be recorded on the credit bureau report as being late I pay {$360.00} a month for a vehicle that I can not use. I have told her numerous times about the error messages that keep coming up the engine light comes on the brakes say they need to be serviced the theft deterrent needs to be serviced stability control needs to be service traction control needs to be serviced tires need to be serviced I have had about 11 different error messages in the past two months of which 4 showed up six months ago which I have told her about and they just refuse to do anything except harassed me about the payments I'm trying to get rid of the car but nobody will even lend me any money to get another car because my balance is so high on a vehicle that isn't worth it so nobody will give me another vehicle.
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| 03/22/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I bought a car from XXXX XXXX XXXX XXXX XXXX location in XXXX , Texas in XX/XX/XXXX. The first day i drove the car the windshield wipers did not work I call and I wanted to give the car back. They resolved the issue but I was still not happy with the purchase. Or the course of having the car there were numerous mechanical issues that went on like my head lights would not stay on, my speakers would not always work things like that. Now of those things have anything to do with my main issue. On XX/XX/XXXX My car caught on fire after driving over a speed bump in a friends apartment complex. The car was a total loss. I had Insurance through XXXX XXXX XXXX. They filed a claim which was not handled properly to begin with. I provide all my details to a regular rep by the name of XXXX who then passed my info along to XXXX. XXXX was introduced to me as the person who handles insurance claims. I texted pictures of the car an the police reports that were filed at the time of the incident. I also asked for a copy of the insurance claim was filed via text message and i have the texts to prove. XXXX told me that XXXX would send to me after and adjuster as been assigned and it normally takes 24-48 hours. That was on XX/XX/XXXX. I called the office numerous times between XX/XX/XXXX and XX/XX/XXXX. I have the phone records to support and when you call the office it does have a recording that states the calls will be recorded. XXXX along with XXXX a different rep that i spoke to in the office about the claim both told me that once i pay my deductible I will no longer be responsible for the remaining balance on the account. I asked that questions specifically to XXXX and she told me I will no longer owe them anymore money. After I got upset with XXXX for not returning my calls the started to have XXXX call me. XXXX again proceeded to tell me that once i pay my deductible my loan would be satisfied. When she said that I could see that she was giving me the run around on the remaining balance so i asked her to further explain. She said the balance would be charged off I would not owe balance and it would not affect my credit negatively. I requested to speak with her manager and i went in to sit down with XXXX XXXX and XXXX XXXX on XX/XX/XXXX. They issue was not resolved they pretty much said that it was my fault and that I am going to owe the money even tho there insurance department has provided me with the wrong with information for the past month. They also delayed the insurance claim process to prevent me from purchasing another vehicle somewhere else. I had to reach out to the insurance company XXXX XXXX XXXX behind XXXX XXXX back to get the total loss letter from. They never even came inspect the car they deemed it a total loss based off of pictures. I was still in my XXXX mile warranty provided by XXXX XXXX. I did not get into an accident this car randomly caught on fire.I believe there was a mechanical issue that started the fire. And I feel the debt should be settled. They are Scamming out of additional funds. I am prepared to take them to court about it. Someone has to take a stand against these shady car lots doing shady deals taking advantage of hard working people who are already in a bind. Getting a car from XXXX XXXX XXXX was the worst decisions I ever made. Now a car that no longer exists is going to show up on my account as a repo and they still had the nerve to try and sell me another car. Why would i risk me and my child life purchasing a car from them that might catch on fire again.
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| 12/29/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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CNAC XXXX was overcharging me for car insurance I already had. I initially bought the car ( with a loan ) XX/XX/XXXX of XXXX. I was told I needed to get my own full coverage car insurance but until then Id be put on CNACs insurance. I got insurance with XXXX XXXX a week or so after purchasing the car. I had my new insurance company fax over the information and I called CNAC to make them aware of my new insurance and to take me off of theirs. In XXXX of XXXX I got a call from my loan account manager XXXX XXXX ; and he had told me he JUST got the information that I already had insurance with XXXX XXXX and that I was being overcharged {$46.00} biweekly every month since XXXX up to XXXX. He issued me a refund of {$80.00} to cover the last TWO payments. This was his only fix to the issue even though I had stated that is was more that I was owed. ( A little over {$800.00} ) I spoke with a supervisor, XXXX XXXX, and she said they couldnt do anything without proper documentation of when I got insurance with XXXX XXXX I emailed them my Letter of Experience which shows I got insurance on XX/XX/XXXX to which they said it wasnt enough proof and they wanted me to prove that I had the information faxed over at the time I got the insurance. Otherwise there was nothing they could do. I asked them to go back into their files to look for the fax and they said they didnt have access to a internet portal to get the information. It was a whole run around I was getting and when I asked to come in to talk more in depth about the situation in person, they said their offices were closed to the public and phone was the only way I could talk to them. I already spoke to my advisors at XXXX XXXX and they firmly stated they had sent over the information when I asked them to back in XXXX. I was getting nowhere with this company. In late XXXX I had also asked for a new affordable payment plan because I was going through financial hardship at the time. They asked me to prove my hardship by writing a formal email and also filing out a budget plan to show my monthly expenses. I did both these things through email. It took XXXX XXXX till the XXXX of XXXX to get back to me with a new payment plan offer of {$150.00} a month. This was great but he wanted the payment that day and I couldnt make it because of other bills, so I declined the offer and asked if he could change the payment start date for a week later. ( I didnt want to start a new payment plan late ) he never got back to me and instead harassed me for a payment he knew I didnt have due to the financial struggles I was facing. He sent my account to his supervisor, XXXX XXXX, and she had called me regarding the situation. I explained the financial hardship I was going through to which she asked if there was anyone that could help me out with the payment. I told her no, not at this time and that I was doing everything I could to find a job with more money. When I asked about a new payment plan, she said that XXXX wasnt able to legally offer me a new payment plan because of my contract, especially if she didnt approve it. Which didnt make sense to me, being that he offered me a new plan just last week, with someone elses approval, XXXX XXXX XXXX to be exact. She again gave me a run around and I was getting nowhere with her. XXXX told me my payments would continue to pile up and that repossession would be in the near future if I can not figure something out. I am currently two payments late and still struggling financially.
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| 06/11/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I've spent so much cash getting my car repaired for the past two months just to find out its a recall on my engine. I ended up losing my job due to this! They are still asking if I can make payments! How? I can't even afford a rental because I don't have the {XXXX deposit! If it didn't require that, I would have been able to afford it! I got kids! This is non sense. My car suppose to be fix by next wednesday. XXXX CONFIRMED IT WAS MY ENGINEEEEE! NOT MY FAULT!! but i'm so far behind on my car payment its ridiculous! It's not even my fault! All the money I spent on my car could have been used towards my car payment now i'm without a job. I certainly don't deserve a repo! The lady who sold me the car told me this was a great car, practically new. I get it! I had it for a year and the engine gone. The company should have known about the recalls because it was back in XXXX. They should have had XXXX inspect before selling!! I was on the highway when it happened. I could have lost control of my vehicle. There's already been a lawsuit in the past. I hate to even take it that far but they need to know what they are selling! My family is affected! I'm the sole provider of XXXX toddlers! A XXXX year old and a XXXX year old who go to daycare! I lost everything!!! Then yesterday, XX/XX/XXXX A man came by and picked up my car. He stated it was because my engine recall & Byrider needed to look at it. He said I will get my car back in 2 to 3 hours. On top of that, I got dinged on my credit report for being 30 days late but I honestly had a valid reason because XXXX couldnt look at my car any sooner and due to covid I couldnt get a loaner car. I would like that deleted of my credit report. I spent money on repairs before I knew it was the engine and XXXX wasnt trying to reimburse my money. That was the money for my car payment. I ended up losing my job due to the slow process of getting my car fix. I cant afford to have a repo on my credit. I could understand if I wasnt making my car payments because I didnt want to but I had a reason. I also kept in contact with cnac manger about whats going on. Thats my only transportation, Im the sole provider for my XXXX year old & XXXX year old. Without transportation, I cant find a job and I stay in a rural county town so theres no free transportation. I just got my car back, even when I find a job, it takes 2 weeks to get paid. I been putting in application while I wait for unemployment but now if I get an interview, I dont have a way. This is crazy! it's not like I didnt want to make my payments on purpose. I couldn't. I lost my job, how could I afford a rental?
Your company repoed my vehicle after having a valid reason! It certainly wasn't my fault that y'all sold me a vehicle that had an engine recall. Y'all should have gotten it expected by XXXX before selling it to me. On top of that you sold me a vehicle thats twice as much as its worth! XXXX MILES. This is a predatory car loan and is unacceptable!! Your company is misleading! You put people in cars and get over them. These loans are HIGH risk and make people go into default / repossession! Ive talked to my attorney and a lawsuit will be established unless you send me documents stating I will not have a repo on my credit report. I will certainly file bankruptcy if needed and want give this company a dime!
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| 05/17/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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On XX/XX/XXXX I agreed to purchase a vehicle from XXXX XXXX XXXX ( J.D. Byrider ) for {$12000.00} at an interest rate of 21 % and a total cost of {$20000.00}. I completed my final payment on XX/XX/XXXX. I never received a lien release or title from them after this date. As I was still living in XXXX I was able to register my car each year without issue and thought nothing of the title.
In XXXX of XXXX I moved to XXXXXXXX XXXX. On XX/XX/XXXX I attempted to register my car and was informed that I would need the title. I searched through all of my important documents and then realized my car title wasn't among them.
I called XXXX XXXX sometime before XX/XX/XXXX to inquire about getting a copy of the Lien release or title. The representative I spoke to informed me that they only send them electronically DIRECTLY to the DMV, and that I would need to reach out to the DMV.
Taking the representative on their word, I decided to fill out the " Duplicate Title/Lien Request and Receipt '' form for the XXXX DMV XXXX The DMV denied the first request stating that it needed to be signed by a witness. I then sent the form a 2nd time and this time it was rejected due to a lien still being on the title.
I reached back out to XXXX XXXX on XX/XX/XXXX to request a copy of the lien release or have them provide me with a new one. I explained to the rep that I never received the release and would like a new one sent to me. This rep told me that they don't keep copies on file and once a lien release has been sent they can't send another. After explaining to the agent how that makes no sense if it was all done electronically, the rep said they would request for one of their admins to email it directly to the DMV again. I asked them to please send me a copy directly and at first they refused and stated they would only send it to the DMV. The rep finally agreed to request a copy be sent to me and the DMV for electronically. I did not receive a lien release to my email.
I called XXXX XXXX on XX/XX/XXXX and asked if they saw the request for it to be sent out. This rep said that they would mail it out and so I provided this rep with my updated XXXX address and again I was reassured that it would be sent out by an admin by mail.
On XX/XX/XXXX I called once again and was told that the lien release was mailed out on XX/XX/XXXX. I asked if I could speak directly to an admin and was put on a long hold that eventually was disconnected by their end. I called back shortly after and spoke to a different rep who informed me she would have a lien release emailed to me right after the call.
Throughout all communications with this company I have been given several different stories that do not add up. They have all been able to clearly tell me that the car has been paid off in full and that I no longer owe any money to them. There should be absolutely no reason why they would not have copies of things they have sent me or the DMV " electronically '', and no reason why they can't to send me a new lien release or letter head stating the vehicle has been paid off.
On XX/XX/XXXX my ( XXXX ) nd temporary XXXX tag will expire for my car and I will no longer be able to drive my purchased ( {$20.00}, XXXX ) car legally. My apartment complex will also have the ability to have it towed without proper tags.
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| 10/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Damage caused or loss of personal items in vehicle during the actual repossession
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Web |
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I receive XXXX due to a XXXX which causes XXXX. At the time of signing the contract I was secduled for back XXXX because XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In a previous response to the first report I made they claimed that they didn't know I was XXXX which is a blatant lie because the proof of income i provided to them was from XXXX. Also they clamed that they followed all the consumer rights and truth in lending acts. This also is a falsification for several reasons 1st would be they don't put the buyers guide paperwork in the vehicle where it can be viewed which happens to be rule/law # 1 The dealership took advantage of my mental state by intraping, coercing/threatening and forcing me into signing their preditory loan agreement. I was actually in so much pain that I couldn't sit in the chair and had to kneel down while I was signing it. In a class action lawsuit in Massachusetts there was a case where it was found that their loan program was preditory and JD byrider was ordered to fined and order to stop using it. They did not do so instead they just rebranded their company to byrider and are still using the same program. Part of which is their is the service agreement where it mandated that You could only take Your vehicle back to them to have any work done. By doing so they can cause you to lose your vehicle because they sabotage something which makes it need repairs and blah blah blah. I made payments for a year and a half over {$6000.00} worth when I stop making payments to them not because of the loss of income but because 1.After taking my vehicle to them twice to get oil changes done and having them leave the radiator cap off and my vehicle overheat on the drive home 2. Because over a three month period of time every time I made a payment I requested they email me a full statement of all payments I had made so that I could use it to file the payments as and expense on my taxes and they never did. And 3 was because of harassing phone calls and messages while I was working and also repetitive calls to my sister in Texas. On The Sunday of XXXX XXXX weekend they came after XXXX at night and with the assistance of two sheriff 's deputies they unlawfully repossessed my vehicle. Which I have video evidence of the act. I had my trailer attached to my jeep with a padlock and they damaged the trailer while repoing it because the officer 's wouldn't let me detach it and they took it with the vehicle. When I went to get my belongings a XXXX public safety officer met me at the dealership they gave me a couple black garbage bags of stuff but around {$500.00} worth of tools an equipment was missing out of my vehicle. When I asked where my vehicle was so I could verify it wasn't in there they told me they already sold it. By law they're supposed to have sent me a notice of repossession and then notice to intent to sell and a notice on how much they sold it for which they did not do. So all in all they caused a XXXX XXXX person to be the victim of contract fraud, armed larceny of a motor vehicle In which the loan contract was for over {$20000.00}, conversion of said vehicle and other personal property and other crimes including but not limited to fraudulently reporting incorrect information and accounting and delinquencies on my credit report
|
| 08/02/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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I purchased a vehicle from XXXX ( CNAC ) a few years ago. When I spoke with the sales rep, he ran my credit report showed me several things that were reflecting negatively on it however processed to tell me that " it would be tight '' but I would be able to meet the requirements of purchase of a vehicle from them. So, after not much of car options I selected a vehicle and proceeded to go through there paperwork process. At the time of signing my contract, which by the way, was videotaped " for closing '', I signed the signed the paperwork. I was able to make the payments on time and regularly for a little over a year then disaster struck. One of those " items '' that had appeared on my credit report that was disclosed to me when I initially purchased the vehicle came back and hit me with a garnishment. I struggled every XXXX weeks to make the payments on the car but with little income to go on, I tried to get them to help me with arrangements. The reps that assisted me were unfriendly and unwilling to work with me. It got so bad that I was finally told that this could not go on and I had to make a decision as to " whether you are going to pay for the car or turn it back in ''. I felt as though I was up against a brick wall so I made the decision to voluntarily turn the vehicle back in. Shortly after that, I received a letter from them explaining the remaining balance left that I owed on the vehicle and if I was unable to pay the balance off, the vehicle would be auctioned off and I would be responsible for the remaining balance left on the loan. Well, time went on and I finally received the letter of what the vehicle brought at the " auction '' and what my remaining balance owed would be ( approx {$7000.00} ). The sale price of the vehicle was {$10000.00} ( which for the vehicle that I purchase was well above the actual book value of the car ). After financing and all the fees were added the total amt of the vehicle purchase was {$16000.00}. Since XXXX 2011, the financing company of XXXX XXXX ( CNAC ) had issued a warrant in debt against me, turned my account over to an attorney who has been garnishing my wages ever since. My issue with all of this, since the very beginning of dealing with this company, it seems that they set up consumer 's for a fall if you are unable to complete your contract with them. They knew there were items on my credit report that could hurt me yet they still sold me a vehicle. They were unwilling to work with me when I attempted to continue to honor the contract and then when I did what they told me to do ( turn the vehicle in ) they proceeded to garnish my wages to the point of causing me to loose more money than the car was worth. It is unfair treatment to have to pay for a vehicle that you do not have anymore to the tune of astronomical amounts of money. It seems as though I will never get this vehicle paid off and can not get out from under this company 's deceptive business practices. This company goes on record to say that they can help when others can not, however they do not help, they prey on people with poor credit and charge extremely high amount of money ( such as payday cash loans and title loan businesses ) for low value vehicles to take advantage of the consumer 's bad credit.
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| 06/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
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To whom this may concern I am contacting you in regard to my recent experience with CNAC.
On XXXX XXXX I purchased a car with CNAC from XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. {$500.00} was put down and a payment of {$120.00} was made in XXXX, even though payment was not due until XXXX XX/XX/2023. After speaking with a representative with CNAC in XX/XX/2023, I requested a due date change. The payment schedule set up at the dealership in the initial contract does not coincide with my pay cycle. I am paid semi-monthly ( XXXX and XXXX ) instead of biweekly. The representative told me I had to make several payments before we could make a due date change. ( Unbeknownst to me that was incorrect advice ), and to keep making payments on time in case I needed to do a fresh start. Which is XXXX on time payments before payments could be put towards the end of the loan. Each time I have spoken to a representative from this company their rules and policy are different and confusing and keep changing. So, in XX/XX/2023 CNAC received XXXX payments when it should have only been XXXX. I could not do the due date change until I made the end of XXXX payment that should have been for XX/XX/XXXX. Once the due date was changed, I continued to make my payments on time and early. For XX/XX/XXXX payment I made it early, on XX/XX/XXXX and contacted CNAC earlier enough to see if I could plan to have payment ( XXXX ) put towards the end of the loan since I am currently in the process of moving. When I spoke with the representative, I was advised that I needed to be 14 days past due before I could receive assistance. So now that I am past due the criteria have changed yet again to receive assistance with this auto loan! Now I am being told that I can not receive assistance and have been met with rude and hostile customer service because they did not receive a payment in XXXX ( paid early at end of XXXX ) and have been threatened with derogatory marks on my credit report due to inconsistent policy that keeps changing and that they refused to provide to me in writing. Seems as though I am being penalized for paying early and on time, that I am unable to receive assistance with a skip payment. I have explained to several representatives that I have paid my bills early and that XX/XX/XXXX payment was paid on XXXX XXXX. Below is a breakdown of my payment history.
XXXX XXXX {$120.00}, XXXX XXXX {$240.00}, XXXX XXXX {$140.00}, XXXX XXXX {$240.00}, XXXX XXXX {$240.00} ( should have been for XX/XX/XXXX ), XXXX XXXX {$220.00}, XXXX XXXX {$220.00} ( should have been for XX/XX/XXXX ) Currently XX/XX/XXXX and XX/XX/XXXX have not been paid due to the move and finances, which is the reason why I requested for a skip to get caught up and to avoid negative reporting to the credit bureaus. I also was notified by my insurance company that this car was in some type of accident, despite the fact it was not reported to XXXX and the paperwork in the contract from the dealer gives this false information in the damage disclosure statement. This was not disclosed to me prior to signing the contract!
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| 04/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
Servicemember |
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My son who is the primary signer and I am the co sjgner and mother/ veteran needed a reliable vehicle to attend college across town. I hate dealing with car dealerships too many games and lies then the amount of long HIOURS they spend wasting my and his time. He and I spent about 2 weeks searching dealerships but my sin didnt have credit therefore its like he being punished before he can prove himself. I kept sayng NO to most because they overcharging a lot on the lian. Then I had to be placed on the loan which I really hate but that was the only way he could be approved. We took a break from visiting with the dealerships because the dealerships had applied for 6 or 7 bank loans per visit so the numbers got up to 30 plus dings then a week after the last visit the dealer called my son and stated they were referred by a previous dealership. They claimed once taking his info that they could get him into a vehicle that day .Then of course once there that was not true and after giving my son keys to try out a few cars of his liking ... .now his information was not approved and I needed to co sjgn ... I was XXXX!! We always asked for a vehicle under XXXX and payments to be below {$300.00} but by the time the loan supposedly got approved the car payment was close to {$14000.00} or {$15000.00} and these are vehicles with over XXXX miles!!! We visited over 7 dealerships all the same tactics. My son was tired out and begged me to let the deal happen which of course he regrets now. He placed XXXX and would add another XXXX when he got paid. Now they requiring more on the down payment like {$1400.00} he had to pay this amount and once that paid then they would start taking his car payments at {$420.00} a month for a XXXX XXXX with XXXX MILES!! I still upset too much being paid on a high mileage vehicle. Then I told him well next month we will have to get it refinance to more reasonable monthly payments. We go to refinance and to our dismay we couldnt ... XXXX XXXX or CNAC CARNOW ACCEPTANCE COMPANY was a BUY HERE PAY HERE dealership ... .I NEVER HEARD OF THIS and again I was very XXXX that we cant refinance with anyone!! I wish I had been told that before we signed those contracts. Then when I did some more research an earlier dealer in XXXX XXXX we got the car but once I did a search on the car ... .overcharged like the others ... so I turned the car that had a door like it was about to fall off and part under the car had came loose and was hanging down ... the keys and car given back and loan was cancelled. Now a week later the loan now was traced back to the same place but now the location is in XXXX, Arkansas not XXXX XXXX, Arkansas this time we are stuck with this high interest rate loan ... ..then XXXX XXXX keeps informing me ... we are overpaying and need to refinance BUT WE CANT!! So its being rubbed in our wound every month my son pay that {$420.00} plus insurance. Please is it legal for BUY HERE PAY HERE lenders to function in this matter and if not these people are making a ton of money on HIGH Interest loans on HIGH MILEAGE OLDER VEHICLES!!
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| 07/27/2021 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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My wages are being garnished relating to a vehicle purchased from JDByrider in XXXX. I was not legally notified prior to the garnishment beginning. I received email notification from XXXX on XX/XX/XXXX of wage withholding, and have had deductions biweekly beginning on XX/XX/XXXX. XXXX provided the creditor/attorney information relating to a XX/XX/XXXX default judgment. At no time did I receive any notices relating to this alleged debt and was not served to be able to exercise my rights and attend the judgment hearing. I immediately reached out to the creditor 's attorney and requested all related documents, including dates and addresses of all correspondence sent. I was advised to submit my request in writing along with my current address and received the documents by mail on XX/XX/XXXX. I have attached all documents received as well as all email correspondences related to the matter with my complaint. Included in the packet was the original six page vehicle purchase contract dated XX/XX/XXXX ; the top of page 4 states warranty information will be provided to you separately, but was not included with the paperwork received. ( The vehicle was covered under the dealer 's 3 year used warranty-purchased XXXX of XXXX and the engine blew in XX/XX/XXXX-inoperable vehicle retrieved by tow truck and no further communications with dealer ) XXXX XXXX included a payment ledger report from CNAC dated XX/XX/XXXX that shows all payments from the beginning of the loan through the date of the engine failure, but lists start date as XX/XX/XXXX when the contract wasn't signed until XX/XX/XXXX. The other documents provided to me were one letter from CNAC dated XX/XX/XXXX, two letters from XXXX dated XX/XX/XXXX and XX/XX/XXXX, and a copy of Abstract of Judgment from XXXX XXXX General District Court showing a judgment date of XX/XX/XXXX and signed XX/XX/XXXX ; and all of those documents show an incorrect zip code for a city I have never resided in. They claim the original service date was XX/XX/XXXX for judgment entered XX/XX/XXXX. Additionally they provided a copy of a Garnishment Summons that shows an upcoming hearing date of XX/XX/XXXX, which again, was not served to me ; it shows a previous address I've not resided at in over 2 years and served under my previous married name that changed on XX/XX/XXXX. So if not for the garnishment beginning, I would have again been unaware of a court hearing related to this. Additionally, I have been with my current employer since XXXX of XXXX ; at no time was I legally given the opportunity to defend myself or resolve this issue before a decade 's worth of interest has been added making this alleged debt over {$23000.00} when garnishment began. This alleged debt has also at no time from XXXX to current, shown on any reports with the three credit bureaus. I contacted the General Manager for the dealership by email requesting the issue be dropped and received no direct response, but a notice from XXXX XXXX that their client has advised to proceed with the garnishment.
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| 09/26/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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I have a XXXX XXXX XXXX which I am leasing from XXXX XXXX on XXXX XXXX XXXX XXXX XXXX, Pa XXXX Phone number XXXX. The purchase date is XX/XX/XXXX. Since I have purchased it I have had to take it back to the shop four times so far, and will be making another trip back as the issue still is not resolved. It was taken in on XX/XX/XXXX and was in the shop until XX/XX/XXXX for the horn not working and a squeaking noise when turning the wheel. I explained to them the day after I bought the vehicle that it felt like something was loose underneath, when I picked the car up on XX/XX/XXXX, the issue was not resolved, I still heard the noise when driving. I called XXXX XXXX and explained the situation which at this point I felt like they were not listening or properly checking over my vehicle. I took it back into the shop to get looked at on XX/XX/XXXX. They stated they needed to replace the control arm and exhaust pipe. I advised them the day after I purchased the vehicle of these issues and they assured me that all the vehicles go through a safety check before being sold, which clearly mines hadn't or they would have addressed these issues before selling it to me. I got the vehicle back the same day XX/XX/XXXX and honestly I still heard a noise. I proceeded to drive the vehicle in hopes that it would pass, it did not. I contacted them again and they advised me to bring it in on XX/XX/XXXX which at that point I was told it needed a wheel bearing. I received my vehicle back on XX/XX/XXXX only for it to break down on me two months later I explained the situation to them and let them know it needs a rear wheel alignment as well because I was pulled over by the police for the tread wearing out on my back tires and was told I should have never been sold a vehicle in that condition ; at that point I was told the engine blew and I needed a new engine. I took it BACK into the shop on XX/XX/XXXX and received it on XX/XX/XXXX and was advised they replaced the engine and I had to personally purchase tires because they refused to test drive it with the tires that originally came on the vehicle when it was sold to me. I received my vehicle back on XX/XX/XXXX with a crack in the windshield which was NEVER there before, the check engine light is back on, my air condition doesn't work ( which it was working fine before they replaced the engine and the noise is still underneath as if the wheel bearing was never replaced and it feels very unstable when I drive as if something is going to break. I believe I was sold a lemon and just want the vehicle to be in good condition for my family and my safety. I feel very unsafe driving this vehicle. I own a XXXX and it's been very reliable and I have never been lied to as much as I have with XXXX XXXX and this is very frustrating and disheartening since I am not in a ( lease ) with this vehicle and am expected to pay {$11000.00} for a car that I believe is a lemon.
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| 11/24/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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Finally had enough : I used this company ( who claims to be a dealer ) to obtain a vehicle and was subjected to a mostly one sided agreement based over a 5 minute presentation by a " Sales Person ''. However, at the initial phone call I was told ; " We do n't care about your credit, we care about affordability ''. WE CAN GET YOU IN A VEHICLE.
The Hook is baited : Well, the story was different when I was in the chair in front of the rep. They do base loans on credit scores and the consumer does not get to choose a vehicle. Vehicles are high mileage and VERY USED. For a vehicle barely worth XXXX XXXX bucks, a " Customer '' will end up paying a loan of XXXX based on desperation for a vehicle. XXXX XXXX actively seeks customers out. This meets the very definition of predatory lending as the contractual agreements are one sided, beneficial to the company, and restraining to the consumer.
The XXXX rush : Part of the CLOSING AGREEMENTS is " allowance '' of a GPS Tracking Device. Consumer signs an agreement, but, I would like to know what information is collected, where it is stored, and if the device is running always.This would constitute a loss of personal privacy placed aside for the necessity to track the vehicle if payments were not made. At the moment of this complaint I can not tell the CFPB if my vehicle is being actively tracked while it is parked.
The 22 point inspection : At the time of initial sales hook presentation I was told that my vehicle would have a 22 point inspection. However, on the very day XXXX took the vehicle, I discovered the passenger headlight did not function AT ALL and it was too late to return it. I had to avoid working since I could have been stopped and issued a ticket. So, if a company tells me they check the vehicle for safety should n't that include the headlights? I have trouble with any inspection that missed something as basic as lighting.
Invading my personal space : Next issue is " Courtesy Reminders '', EMAIL, and Text Messages : Today the payment is due. This company wastes no time calling me at XXXX XXXX. I return the call as I am confused. Why is this company calling me at XXXX XXXX for a payment that is due today. Are we at the close of business? Is my account delinquent? or, is this company badgering me to make my payment. Just for the CFPB government record, I have made a verbal demand to have NO CONTACT WITH THIS COMPANY UNLESS I INITIATE IT. No email, no texts, no calls. I want NOTHING TO DO WITH THIS COMPANY OUTSIDE OF COMPLETING THE PAYMENTS AND MOVING ON. Now this demand is written. Cease and desist.
Rest assured, I will be diligent with FEDERAL COMPLAINTS, Federal Trade Commission Complaints, BBB Complaints, and Attorney General Complaints for any violations of my privacy, right to thrive, and any issues with harassment. I see this company as a predatory lender and I will watch closely.
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| 01/24/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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Hello I am having an issue with XXXX and XXXX XXXX removing a repossession from my credit report. I had an issue with the company the entire duration I had financed the XXXX XXXX. They intentionally make it hard for you meet the terms of their agreement and to ultimately fail the program. The car was valued at {$4500.00} and I was told before signing the contract that the total cost over 3 years would be {$13000.00} which also included the price of a warranty agreement. I later find out after the finance manager went over my contract rapidly, like an auctioneer, that the total amount would be {$21000.00} with a fixed interest rate of 19.95 %. I was told that the interest rate was based on my credit score. I later find out that this rate is given to everyone no matter what their credit rating is like.
They allow some customers to pay via phone with credit/debit while demanding others to make payments in person. This is inconsistent of their contract terms. If I were even a day late on my payment, the company would call and leave me voicemail messages several times in a day, sometimes within minutes of each other, threatening to repossess my vehicle if I did n't pay. I still have these voicemail messages. I once became ill, was out of work, and could n't make my payments. I explained this to the fiance company and was told I had to bring doctors notes explaining my diagnosis in order to keep my car from being repossessed. This is a violation of my HIPAA rights.
In the end of XXXX I got a new job where I 'm paid monthly. I called to make the finance company aware of this and to let them know there would be a lapse in payment. The finance company then, without notifying me, repossessed my car on XX/XX/XXXX. On XX/XX/XXXX I had just withdrew the money from my bank account to bring my payments to current. If a curing default notice was sent to me, the repo could have been prevented. In addition the finance company did n't send me any notice to make me aware of what their intent was with the now repossessed vehicle. When I saw that the company was reporting late payments on my credit report, I decided to sue them for predatory and unfair business practices. I had an issue with their entire process.I sent my intent to sue. A few weeks after I sent my intent to sue, I called the finance company to learn of what happened to the car. I was told by XXXX that the car was purchased back by XXXX XXXX for {$5000.00} and my balance of {$13000.00} was forgiven and deemed as paid off. I now want this removed completely from my credit report. I was never given proper notice of their intent to repo, by phone, certified notice, or a mailed notice. They continuously harassed myself and family members when a payment was due but conveniently did n't make me aware of their intent to repossess.
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| 10/31/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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Since XX/XX/2016, the loss of use of this vehicle due to the negligence of XXXX. Byridder 's claims has been greater than 115 days.
This is completely unacceptable. We have continued to pay the car payments due, yet, have had no use of the car in over three months.
Although XXXX. Byrider claims no to sell cars with salvaged, restored or rebuilt titles because as they say " Cars with branded titles often 1 ) Wear though tires more quickly, 2 ) have mechanical issues 3 ) have a significantly lower resell value 4 ) May have Safety Issues ''.
XXXX, states that this XXXX XXXX XXXX would be included in the Buy Back Protection program. We were never offered XXXX or Buy Back Protection.
On XX/XX/2016, when were in the process of the purchase of this vehicle we were presented with XXXX-XXXX different XXXX reports that did n't belong to the car we were planning to purchase. Unclear why it was so difficult to get us the right one the first time. The XXXX XXXX that we were presented with finally on the XXXX mentioned nothing on the unaddressed recalls on the vehicle and lacked previous records.
Also, on XX/XX/2016, XXXX. Byridder did not provide a Buyer 's Guide to us on the XXXX XXXX. There was nothing in the vehicle window nor any Buyer 's Guide provided at closing. There was no price posted in the window, as well.
When we sat down with the General Manger, XXXX, and he presented us with a Preliminary Purchase Worksheet. He had the price of the car listed at {$11000.00} & trade difference listed as {$11000.00}. However, we asked about the {$4000.00}, incentive deduction that they had going at the time. At that time XXXX, wrote in {$15000.00} & wrote in - {$4000.00}. So instead of the selling price of the car to be {$7900.00} it was now {$11000.00}. XXXX stated that he had already deducted the {$4000.00} before bringing us the paperwork. However, the paperwork does not represent the same. The car at the time of purchase had XXXX miles as of today XX/XX/2016, the car XXXX miles. The XXXX XXXX XXXX value of the car in Great condition is {$1500.00}.
We believe these matters with XXXX. Byridder needs be addressed immediately.
XXXX and XXXX XXXX are requesting that XXXX. Byridder, XXXX, XXXX XXXX XXXX and all affiliates release XXXX XXXX XXXX & XXXX XXXX XXXX, from any further financial obligations. Clear this car as paid- with only positive reporting to all XXXX credit agencies and refund the monies paid on the vehicle to this of {$2600.00} point due to the loss of use since XX/XX/2016, and at that time we will release the vehicle back to XXXX. Byridder.
Out of less than 180 days the vehicle has been at XXXX. Byridder in XXXX, greater than 105 days.
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| 06/07/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I've spent so much cash getting my car repaired for the past two months just to find out its a recall on my engine. I ended up losing my job due to this! They are still asking if I can make payments! How? I can't even afford a rental because I don't have the {$200.00} deposit! If it didn't require that, I would have been able to afford it! I got kids! This is non sense. My car suppose to be fix by next wednesday. XXXX CONFIRMED IT WAS MY ENGINEEEEE! NOT MY FAULT!! but i'm so far behind on my car payment its ridiculous! It's not even my fault! All the money I spent on my car could have been used towards my car payment now i'm without a job. I certainly don't deserve a repo! The lady who sold me the car told me this was a great car, practically new. I get it! I had it for a year and the engine gone. The company should have known about the recalls because it was back in 2017. They should have had XXXX inspect before selling!! I was on the highway when it happened. I could have lost control of my vehicle. There's already been a lawsuit in the past. I hate to even take it that far but they need to know what they are selling! My family is affected! I'm the sole provider of XXXX toddlers! A XXXX year old and a XXXX year old who go to daycare! I lost everything!!! Then yesterday, XX/XX/XXXX A man came by and picked up my car. He stated it was because my engine recall & Byrider needed to look at it. He said I will get my car back in 2 to 3 hours. On top of that, I got dinged on my credit report for being 30 days late but I honestly had a valid reason because XXXX couldnt look at my car any sooner and due to covid I couldnt get a loaner car. I would like that deleted of my credit report. I spent money on repairs before I knew it was the engine and XXXX wasnt trying to reimburse my money. That was the money for my car payment. I ended up losing my job due to the slow process of getting my car fix. I cant afford to have a repo on my credit. I could understand if I wasnt making my car payments because I didnt want to but I had a reason. I also kept in contact with cnac manger about whats going on. Thats my only transportation, Im the sole provider for my XXXX year old & XXXX year old. Without transportation, I cant find a job and I stay in a XXXX county town so theres no free transportation. I just got my car back, even when I find a job, it takes 2 weeks to get paid. I been putting in application while I wait for unemployment but now if I get an interview, I dont have a way. This is crazy! it's not like I didnt want to make my payments on purpose. I couldn't. I lost my job, how could I afford a rental?
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| 10/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX/ XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX TO WHOM IT MAY CONCERN, This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named federal law. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for at least the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, then by law all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Regards,
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| 08/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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Short summary of what previously happened was that I setup scheduled payment arrangements for XX/XX/2023 to make my account current. Payments where processed on that date without any problems. Agents from cnac began to call me a couple days after the payments where made harassing me about a XXXX XXXX balance on my account. I asked where did the XXXX XXXX balance come from. They informed me that they processed a payment for XXXX cents instead of the XXXX payment. I asked why was it processed this way. The agent I spoke with wasn't able to inform me of what happen or why it happened. I asked to speak with manager for explanation and the agent informed me that I was unable to because the senior account manager was busy. I then asked for a copy of all my payments I had made from the start of my loan until now. The agent stated that the computer system was down and he would email me a copy later. He then kept making efforts for me to pay the XXXX XXXX. I informed him that I would not do that being that I wasn't the cause for the balance. When my payment was processed there was not insufficient funds and payment went through. Also that I would being paying a processing fee and a late fee for something that I should not have to pay for. He then asked to put out on my next payment which would make the balance more being that it would accrue to being even later. I told him not to process anything on my account until I could speak with the senior account manager. He then said that I had the option to dispute the matter of paying the once cent. I told him I would like to do that. I asked for documentation of the dispute and he informed me that it takes XXXX hrs to process etc so call back then. Before the XXXX passed I received another phone call from a different agent in regards to my balance being XXXX XXXX and would I like to process it. I informed the agent that the matter was already taken care. He replied that it wasn't and what he could do for me is put the XXXX XXXX balance on my next payment and waive the late fee etc. I then asked to speak with the account manager again because I had yet to receive any paperwork as far as my payment history or the dispute. The agent informed that I could not speak with the manager and that they would send me my payment history but the dispute was never put in. I have the dates and times of the phone calls which their calls are recorded on their end of all the conversations etc. My payment history shows that I have paid them more than what's on the contract and way more than what the car is even worth.
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| 01/11/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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urchased a XXXX XXXX XXXX from XXXX XXXX with my auto loan going through their loan company XXXX AKA XXXX XXXX. On XXXX XXXX XXXX my neighbor hit my car while it was parked in our driveway. A claim was filled with her insurance company. 2 days after the car was hit the transmission started to slip. The next day it completely stop running. XXXX ( neighbors insurance carrier ) refused to cover the transmission damage if I could not find a mechanic who could verify that the transmission issue are due to the accident. I though this would be common sense since I 've had no issues with my car until it was hit. I brought the car to my dealership since they did the maintenance services and could verify that there had been no previous issues with the car and that that accident caused the transmission problems. They were not able to prove that the issues was due to the accident. A check was issued for the body damages in the amount of {$2000.00}. It was issued in both mine and the lien holder name. I voluntarily surrendered the car back to the lien holder as I did n't not have the money to fix the transmission. they wanted to take the insurance payment and apply it to my balance but I have refused to sign the check because I am still with out a car to drive. In XXXX XXXX sent me a letter advising that they had sold the car at an auction for {$300.00}. they continye to contact me asking me to sign over the check to them but I refused. The check eventually expired. On XXXX XXXX XXXX I received an email from XXXX stating that the check had been reissued. I called in and was told that XXXX requested that the check be reissued. The XXXX rep advised me that the request was originally denied until they could submit proof that they still owned the vehicle. Per XXXX XXXX sent them a title as proof. I called XXXX and spoke with XXXX who is the general manger and asked how they have a title if they sold the vehicle. XXXX stated that he did not know anything about the situation and that he would look into it and call me back. I never got a call back. I called and spoke with a XXXX who hung up in my face after I refused to get off the phone until she told me who XXXX supervisor was. I called back and spoke with a XXXX who told me they did n't have to provide me any information. I called back and left a voice mail on XXXX phone asking for proof of sell. I still have not received a response. Either they sent a invalid title to XXXX trying to collect the insurance money or they never sold my car. I can not get anyone there to talk to me.
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| 10/17/2023 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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In XXXX, XXXX I came into contract with CNAC through XXXX. A XXXX XXXX XXXX XXXX. Upon the contract agreement I was advised by XXXX, my Salesman that the vehicle would be under dealers warranty until the duration of the contract. 3 weeks after I brought the vehicle home, it was back in the shop, which was a recurring theme for the 25 months that I've had this vehicle in my possession for at least 20 times in the past 25 months ; including XX/XX/XXXX where the fuel pump was supposedly fixed. Fast forward to XXXX, the vehicle broke down for good. I received a call from XXXX, the shop XXXX stating that I need a multitude of work done, including the fuel pump, radiator, brake lines, brakes, rotors, coolant lines, thermostat, amongst other things, totally over {$1500.00}. I questioned why the price was so high when the vehicle is still under warranty, XXXX replied that my warranty is over because it's over XXXX miles. I told him that I was advised by XXXX about the duration of the vehicle 's warranty until the end of the contract he said that it wasn't true and to pay the money. When I returned to XXXX to retrieve my items from the vehicle, it was found that the shop also had drained that battery, in which the CNAC manager stated that she would " fix it for free, if I would make payment arrangements with them. '' I declined, because I felt that I had been taken advantage of during the purchase of this lemon. In XX/XX/XXXX, I received a letter from Attorney 's, XXXX XXXX XXXX 's office in reference to the balance of CNAC. In which I responded with a letter, asking for the verification of the debt, in which they responded with parts of the origingal contract and a ledger. Then in XXXX of XXXX, CNAC puts the balance on my credit report and it shows open as a new auto loan. I want to know how is it that a company can sell your debt to an attorney/ creditor, then put the balance on a credit report as a new loan?. So, it appears that they are attempting to get me to pay both parties. Nonetheless, I have no way of paying either of them. I have been without a vehicle and a job since XXXX of XXXX, had my identity stolen, trying to apply for work. I have been turned down for job after job, and even had an job offered, set to start on XXXX, also to no avail.. This has been a very stressful and depressing year for me and I can not pay anyone anything at this point in my life. CNAC has had their lemon vehicle back since XXXX. I would just like them to be removed from my credit report.
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| 05/29/2019 |
Yes |
- Debt collection
- Auto debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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I been having problems with the staff at this location with someone by the name of XXXX, shes the collectors supervisor if Im not mistaken. I received a call the day of my payment ( XXXX ) for my vehicle & I stated to the girl that I was having a issue with my bank card and as soon as I solve the issue I will make my payment ASAP. Then 4 days later one of their collectors contacted me but i couldnt answer the phone due to the fact that I was at work, so I send him a text message & let him know I was going to the bank that day to get my card so I can make my payment tomorrow. I then asked him if he can send me his email so I can email him. So 4 minutes after letting the collections agent know that I will make my payment I send a email to the agents email basically to cease communication even though I still let them know when I was making my payment.
Today XXXX I finally received my card, but my vehicle was repossessed. They did not put out a right to cure in my car, door, or mail. They just took my car without letting me know. After that I went to the dealer to complain on why they took my car. They stated because I send them an email to cease communication. When I went to the office I first spoke with XXXX, she told me she did put a right to cure but could not show me any forms. Then after I spoke to the boss ( XXXX ) she then told me as well it was because I was not communicating with them and that they are allowed to repossessed my car without putting the right to cure. Which in these 2 attached photos shows that before I send them the email I still communicated with them. So from my understanding because they didnt like that I send the email XXXX authorized them to repo my car. & now Im stuck with repossession on my credit & more fees that I have to pay only because XXXX did not like the email that I send. To make it worse when I got to the office she was being so rude & was just saying she can basically do what she wants to. When I bought my car there I liked the employees I thought they were pretty nice. But the more you get to know them i realized that you pretty much have to bite your tongue at all times because XXXX will end up voiding my payments just so she can be able to take my car away from me.. PLEASE PLEASE Let me know if you can help me. I feel like I was treated very unfair only because of sending a email. I spent 3 hours waiting to speak the the boss and an extra hour trying to get my car back. Thats 4 hours of my time over a email that I send.
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| 04/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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1.I have never had an account with this company XXXX Now XXXX XXXX XXXX REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are Car Now Acceptance Company the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
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| 10/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I had purchased a vehicle from CNAC JD BYRIDER located at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX. The contract was for me to pay biweekly on the car loan which was to call in and make a payment on the scheduled date. If I'm late they would also call me for a reminder to make a payment. I started to notices transactions I wasn't making on my credit card around XX/XX/2020 so I contacted XXXX XXXX XXXX and informed them and they offered to cancel the card, send a new one and refund me for the purchases that I didn't make. A few weeks past and it happens again, a purchase made on my card that I didn't make, I contact XXXX XXXX XXXX and they will send me to there claim department and I would have to wait on there phone line for HOURS to reach an agent and no one would answer the phone line. I have been trying to reach them for weeks regarding these purchases and still NOTHING. I had canceled my card and got a new one and random purchase would still continue to happen on my account. I canceled my card about 5 different times. I have not been able to reach the XXXX XXXX XXXX claim department after the agent would verify my account. I got so angry and fed up I seek out to try to find the person who was responsible for these random purchases. SO I started to contact the stores these purchases were being made at. They gave me the name of a person that works for CNAC JD BYRIDER. This is the same person who has been taking my car payment over the phone. I quickly filled out a police report on their employee and CNAC because I trusted JD BYRIDER with all my personal information. This person called me and told me her information was hacked by someone in her family and they somehow got my personal information which is completely unbelievable because I thought I was doing business with only CNAC JD Byrider. After finding out my personal information was so exposed to anyone to get ahold of I started to reach out for help. I really want to stop doing business with CNAC because I'm super afraid of who has my personal information now, I would like to return the vehicle and receive a refund because this has destroyed my confidence and trust of knowing my information would be safe. They had put me in so much debt and trouble by me having to invest so much time in trying to get help and still XXXX XXXX XXXX have not refunded me. CNAC and their employee have stolen {$3800.00} of unauthorized purchases made on my XXXX XXXX XXXX CREDIT CARD.
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| 07/25/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I have loan on a vehicle that is financed by CNAC out of XXXX, WI. Since day one I have NEVER been on auto pay because they know I am self employed. So payments come at different time, various ways. I have never given them permission to take automatic payments. I would pay online and always select one time payment. I have always been on time with my payments. The last payment was due on XX/XX/2020, I was lateon this payment because of how my income fell. I had to choose between feeding my family right now and paying my payment. Today was only my second day late, I went to check out at the grocery store and was told insufficient funds!!! WOW!! How embarrassing. Come to find out CNAC took out a payment WITHOUT my authorization.
Hard enough making ends meet with this covid things going on and now this company takes money without permission. So I called, the Customer Service Rep did not give me a name. I said there was an unauthorized payment taken and I want it reversed. He said why is your payment late, I said it doesn't matter you took an unauthorized payment and I want it reversed. Again he asked me why I was late, I told him because I had to decide between feeding my family and paying on my car. Then I said so can you reverse the payment you illegally took. He said I can, but I want proof of your insurance. I said no, reversing my payment has nothing to do with insurance. He stated he would not reverse the payment until I showed proof of insurance!! That is strong arming me and bribery!!
I again told him it was illegal to do so, I didn't authorize them to use my card to pull any money out. He told me wouldn't not refund my money, until I gave him what he wanted. They can not do that, so they are holding money they illegally withdrew until they get insurance proof???!!! Then he told me to have my lawyer call and he hung up on me!! I tried to call back and my calls are not allowed through, it goes to an automated message telling me their PO Box mailing address and their fax number!! This company is crooked!! They won't even work with customers ... but to steal money they were not authorized to take wrong. I have made all payments on time in the almost 2 years I have had this vehicle!! 2 Days late they take an unauthorize payment ... It was only a payment of {$180.00}, but now I am worried about them doing it again!! I shouldn't have to live in fear of them just pulling payments out when they feel like it!! Unacceptable!
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| 03/10/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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JD Byrider/CNAC willfully misleads the consumer by having them sign for two loans, one is a clandestine deferred payment loan thats never disclosed. This is done so that customers, like me, who would not qualify for high financing, now qualify and JD Byrider/CNAC can sell their older high mileage cars. People who have no idea what a deferred down payment is or that JD Byrider/CNAC is pulling a fast one with the mysterious fees that they say have to be paid before the customer even begins to pay the actual loan. The customer, me, in turn, just as with the housing industry several years ago, inevitably eventually defaults on the loan and the vehicle gets repossessed or they do a voluntary repossession like I did. JD Byrider/CNAC then resells the vehicle, but also still collects the balance on the repossessed vehicles and the cycle continues with another unsuspecting customer.
My contract page shows that I, the customer, made a larger down payment than I actually made but this is something an untrained eye does not notice, especially when presented with lots of numbers that make no sense. I put down {$12.00} for the vehicle but it shows that I put down {$1000.00} cash which is false. I also affirm that there was Never any mention of a deferred down payment or of this second loan for {$1000.00}, that I was forced to repay bi-weekly for two months at a rate of {$250.00} per paycheck before my payments even began. When I asked what the {$250.00} payments were for I was told Fees and when I asked why they couldnt be included in the principal I was told that they have to be paid first. On my documents that I have been reviewing, it is stated to label the loan for the deferred down payments as a promissory note and only to refer to it as such. This is deceptive practices and illegal and this should nullify my contract which was entered into under false pretenses. Nowhere in my buyers statement of understanding does it mention the deferred down payment or the pretense under which I evidently signed for it.
I now understand how that unfair, deceptive and fraudulent business practices led to my losing my vehicle and the constant stress of being unable to pay a bill I couldnt afford. It is my contention that JD Byrider/CNAC willfully and intentionally sets their customers up to default on loans so they can continue to resell old, over mileage vehicles and these illegal business practices must stop. Please stop these criminals!
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| 05/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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1.I have never had an account with this company CNACXXXX XXXX XXXX REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are CNAC/IN101 the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
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| 01/06/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Dear CNAC/XXXX ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 12/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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1.I have never had an account with this company CNAC - XXXX, REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are CNAC - XXXX th
e debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
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| 11/09/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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I am contacting you because I believe that I am paying too much for a used car. I brought a XXXX XXXX XXXX for XXXX from JDBYRIDER in XXXX. The car had XXXX miles on in when I brought it. They have recently moved to XXXX. When I brought the car home, it was hard for me to turn it back on. I went to them and I needed a cam sensor. The sales associate assured me that everything on the car was in good condition. The car had bad tires and rotors, which I told them about when I took the car to get the cam sensor changed. They told me nothing was wrong. I went to get my brakes checked and they told me there was nothing wrong. When I looked at the brakes they were almost gone, so I changed them and my rotors. I also bought the car with a broken side mirror and told them about it, but they said I would have to pay for that. I told them I was not paying for that because it was broken when I brought the car. The sales XXXX XXXX said that it was not covered in my warranty. The mechanic looked at the mirror and said the bolts were broken. He said that I would have to pay XXXX dollars for the mirror and XXXX dollars to get it painted. I went to talk to the the sales associate that sold me the car and he said he knew nothing about it. The spark plugs needed to be changed because they were corroded and had oil on them. They put the wrong type of spark plugs in my car and it did not run right until I put the right ones in it. I told the mechanic that there is a loud noise coming from my car, which I told them to check the brakes and rotors and they told me there was nothing wrong and they denied me. when I changed my brakes and rotors, the front brakes were worn unevenly on the outer side. The rotors were rusted and were hard to come off. I told them that my dashboard vibrates when I accelerate or slow down really fast. They looked at it, but it still would make noise and vibrate. They do not put the work that they have done on people 's cars in the computer like they are supposed to.
Furthermore, I am paying too much for this car and the payment do not seem to be going down. It has become hard for me to make the payments on the car and all the car company does is constantly call for money. They do n't care about what I am going through, they just want money. They do n't wan to reason with me at all. The car is not worth as much as I am paying for it. I think there is something else going on.
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| 07/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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I've been ripped off by a dealer car located in XXXX, being a female my first-time car buying experience, knowing little about purchasing a vehicle I was fully taking advantage of. The seller Knew it. The whole thing was one week before I purchased the ca, I had someone go with me to a dealer car in XXXX Massachusetts, for two reasons, the first one was because I can barely speak English and also to helped me chose a reliable car, The seller asked us which car we would like to buy, my friend told me to get a blacXXXX XXXX it was a nice black XXXX, because he knows I love big cars or SUV I dont like small cars, I would never financing a car that I dont like over my own money that Im working hard for. If I didnt feel force to. my friend asked the seller how much the Black XXXX car cost, his answer was {$15000.00}. So the next thing was the give him my 2 previous paychecks unfortunately I didnt bring them with me, as a result for the day, the seller asked us when I get my 2 preview paychecks we can come back to fill out some paperwork, couple days after when I came back I was alone, just after he filled out some paperwork in his computer, The seller decided which car he wanted to give me, he told me that I wasnt qualified for the XXXX car, due the fact I dont have a good credit he made me believe that I cant decide which car I want to buy. I was so naive I believed him. Now Ill have to spend more than three times the cars value a XXXX XXXX for {$17000.00} in total Ill have to spend up to {$25.00}, {$220.00} biweekly. I am a victim by automobile dealer fraud this is incredibly stressful and frustrating situation. Just one month the car XXXX the car begane making strange noises and driving funny to where its not safe to drive. I contacted the seller of the car about the issues I was having, I have wanted to return the car, because I didnt want to deal with it. He didnt want to take the car back. But He told me to take it to the shop to have it looked at it, The mechanic man told me the car has an engine problm and XXXX Pipe issue they need a week onto get it fixed. After 7 days they told me the car was ready to Picked up, I Cant tell if it still have engine light issue, but the never got ride of the big noise.Ever since Ive been going through deep XXXX. I cant do this anymore. I need help please.
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| 07/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XX/XX/2023 Consumer Financial Protection Bureau Complaint Regarding Charged Off Repossession on Credit Report Dear Sir/Madam, I hope this letter finds you well. I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a charged-off repossession that has adversely impacted my credit report. The purpose of this complaint is to seek assistance in rectifying this matter and achieving a fair resolution.
Account Information : Creditor Name : XXXX XXXX Account Number:XXXX Charged-off Amount:XXXX Account Information : Creditor Name : XXXX Account XXXX Charged-off XXXX I am deeply concerned about the charged-off repossession appearing on my credit report, as it has significantly affected my creditworthiness and financial standing. However, I strongly believe that this repossession was unjustified and should not have occurred in the first place.
I have taken the necessary steps to improve my financial situation since the repossession occurred.
I am attaching copies of relevant documents, including credit reports, payment receipts, correspondence with the creditor, and any other evidence that supports my claim. These documents serve as proof that the charged-off repossession has been an unjust burden on my credit history.
I kindly request the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action to ensure the charged-off repossession is removed from my credit report. Additionally, I urge the creditor to rectify any inaccuracies or discrepancies on their part that led to the repossession and its subsequent charge-off.
I seek a fair and just resolution to this issue, as it directly impacts my financial well-being and future opportunities. Removing the charged-off repossession from my credit report would greatly alleviate the difficulties I have faced in obtaining credit and financial services.
I appreciate the assistance and attention of the Consumer Financial Protection Bureau in addressing this matter. Please find attached all the necessary documentation to support my complaint. I look forward to a prompt response and resolution to this concerning issue.
Thank you for your time and consideration.
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| 04/21/2016 |
Yes |
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- Improper contact or sharing of info
- Contacted me after I asked not to
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Web |
Servicemember |
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I had an auto loan that I signed XX/XX/XXXX with CNAC. XXXX XXXX my income decreased by XXXX my car payment is {$390.00} for a XXXX Kia Rondo with a total balance of {$13.00} left ( Way over priced ) I have been late the past few payments and have explained myself multiple times to multiple people from this company but they are not willing to refinance. I tried to get another car through another lender and they called to get the pay off balance from CNAC and decided the amount is too much. I received a call from CNAC asking me if I ca n't pay for this car how will I pay for another one. I have asked them multiple times to stop calling me and to just come pick up the car but they continue to call multiple times a day asking the same exact questions and at first I would explain it over and over again but if I say one word different than the previous call they interogate me. For example " It shows right here that you make 3 times the amount of the car payment so why ca n't you pay for it again? I do n't understand because it shows here the last rep you spoke with you told them '' ... .etc.but continue to call multiple times a day asking the same questions from the beginning. It 's becoming harassing and I am now being told okay we will come get the car but the contract I signed I 'm still gon na pay them the full amount regardless so I might as well keep it. They call up to 10/times a day and if myself or my wife do n't pick up the phone they will call all of our references and disclose to them that we have n't paid our car note and are n't answering our phones. I am a XXXX veteran on a fixed monthly income who suffers from XXXX and this has really caused me have my XXXX with terrible XXXX. I am a victim of predatory lending and harassment and would like this nightmare to end. They say the program is here to help but the fact is I came to this loan because my credit was n't great and I really needed a vehicle. But the loan is predatory and the car is n't in good condition I had to drive XXXX miles multiple times to take it to get " fixed '' by the service center right after I got it. And if the program was here to help they would be willing to refinance and not try to force me to pay for something I ca n't afford.
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| 08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XX/XX/XXXX CNAC XXXX XXXX XXXX XXXX, OH XXXX Subject : Request for Removal of Late Payment I hope this letter finds you well. I am writing to discuss an issue regarding a recent late payment that was reported on my account. I kindly request your assistance in removing this late payment from my records.
I was a loyal customer of CNAC from XX/XX/XXXX - XX/XX/XXXX and have always prided myself on being prompt with my payments. However, due to unforeseen circumstances, I was unable to make the payments for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on time. I understand that late payments can have a negative impact on both my credit score and my relationship with your esteemed company.
I assure you that this late payment is an anomaly and not reflective of my usual financial responsibility. My payment history with your company demonstrates a consistent record of timely payments, and I take great pride in maintaining a good credit standing. I have attached proof of my prompt payment history, including bank statements, to support my claim.
I recognize the importance of a clean credit history and I genuinely regret any inconvenience caused by this tardy payment. In light of this, I kindly request your consideration in removing these late payments from my credit report. This removal would significantly improve my credit score and restore trust in my financial reliability.
I commit to ensuring that such a circumstance does not occur again in the future. I have taken measures to avoid similar issues by implementing reminders and setting up automatic payments for my future bills. I valued my relationship with CNAC and would greatly appreciate your understanding and support in rectifying this situation.
I kindly ask you to review my request and provide a response at your earliest convenience. Should you require any further information or documentation, please do not hesitate to contact me via the details provided above.
Thank you for your time and consideration. I genuinely hope for a favorable resolution to this matter and look forward to hearing from you soon.
Sincerely, XXXX XXXX
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| 11/29/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
Servicemember |
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I purchased a used car from JD Byrider and it was financed through thior finance company CNAC at 24 % interest. The car had mechanical problems from the very beginning. I took in into the JD Byrider in XXXX SC on XXXX/XXXX/21 and finally got it back on XXXX/XXXX/21. On XX/XX//21, the car stopped in the middle of a busy road and would not start. I got out and some people helped me push it to the median. It was pouring transmission and motor oil from underneath it. I could not get to work when I had no car and I tried to reason with XXXX and they hung up on me numerous times. I have a new job and have worked here less that a month and missed several hours today because I was stuck waiting on JD Byrider to come get my car with a wrecker. I also had to pay for the tow bill. I do not think I should be expected to keep making payments on a car that I can not drive to CNAC will not talk to me about it. They tell me to call the service department at my local JD Byrider. I would like someone to assist me in getting some financial relief from CNAC owned by JD Byrider.
I recently traded my car in because the problems above were not fixed. They gave me my car back and said everything was completed. Not even a month later my car was broke down again. I called in for my payoff so I could trade the unit in and they said they would email it to me. I never received the email. I then got a preapproval for a new car and went to trade it in. At that point both the dealership and I attempted to get the pay off information. In the 6 times that I called to get the payoff I was hung up on, told that I could not receive my pay off. and that I had to trade the unit it on their lot. I was also told that it would take up to 72 hours to get my payoff. I then told them I was going to file a complaint and they hung up again. The last time I called they finally gave me the pay off. Now CNAC calls me EVERYDAY and tells me I am delinquent on my car loan that I no longer have with them and I have told them several times that I traded it in and they still continue to blow my phone up. They are now going to report my payment as passed due on my credit even though I no longer have the vehicle.
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| 05/24/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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In XXXX XXXX , I purchased a XXXX XXXX XXXX and XXXX van after my previous car was totalled in a accident. I had a remaining balance of a little over {$2000.00} after insurance paid. So that remaining balance was transferred over onto my new loan. I was told that my payments would be close to {$400.00} each month until the remaining balance on the other car was paid off, then my payments would be lower. Within XXXX hours of having the van i heard squeeking and crackinf noises and called the next day to bring it into the shop. I was told by the service manager that new parts had been placed on the car and that w as the problem so I dealt with the noise until it became unbearable and after multiple trips to the shop and my thermostat going out after afew weeks of having the van they told me what was the real problem. So I paid and had {$800.00} worth of work down. Then I decided to take a trip out of town and halfway there my van started making crazy noises and finally broke down while I was in Texas. I was stranded there for XXXX while things like my waterpump, tension belt and alternator we fixed. Since I 've had this vehicle it has broke down on me XXXX different times and I have several tows. I called afew months into my loan agreement after being without transportation the second time if i could just give them the vehicle back without penalty and I was told if i missed any payment regardless if i parked it back on their lot they would sue me for the remaining balance. XXXX XXXX I was driving a my tv in my passenger headrest began to smoke and i pulled over on the interstate and pulled my kids out of the car because my rug near the passenger seat was on fire. I took the car into the shop the next day and was told that there was nothing they could do but disconnect the wires because the tvs had been installed by a previous owner and it wasnt covered under warranty. I have tried multiple times through various dealerships to trade this vehicle in and no one will take a car that is worth {$1500.00} and still has a {$8000.00} remaining balance on it!! I can not afford this bucket of bolts anymore and now the warranty is about to expire.
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| 05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I had got a car from Jd by Ryder and the company that handles the loan is CNAC, firstly the interest rate given on the car was outrageously high and I didnt know was Illegal at the time but I do now, secondly the lot refused to fix things going wrong with the car that in writing they were responsible for fixing so I turned the car in and told them theyre not holding up there end of the commitment so Im giving them the car back. CNAC has been hitting and reporting incorrect information ever since, they wrote the debt off as a bad debt/ charge off as new many times. It was originally written off as a bad debt in XXXX XXXX XXXX, and that I Voluntarily surrendered it in XXXX XXXX XXXX which doesnt even make sense, they also refused to let my return the car and make payment or do a settlement and just instantly wrote it off as a bad debt, since then it has hit my credit negatively multiple times ever since, I called this XXXX XXXX XXXX to see if we could do a settlement on the account and they agreed to it, I paid {$1200.00} to reconcile the debt, they then put it on my credit as a new charge off didnt add any remarks as to it being settled and paid and now its stating I have to wait another 6 years for it to come off of my credit report, I made the XXXX payment in XXXX XXXX XXXX and it states it was written off again as a new bad debt which isnt accurate and to do so they changed my previous payment history to match their story and cause me and my credit more harm. CNAC has hit my credit and cause me unnecessary harm to be malicious which is against the law. Also CNAC is a fraudulent company their corporate number is a disconnected number that doesnt work and also if you try and call their main office it goes straight to voice mail. The only working number is to make payments and they have refused to help me. I have reported this to all of the the credit bureaus, XXXX, XXXX and XXXX but of course CNAC is reporting FALSE information back to them so my credit keeps getting hit over and over again from disputes which is also not allowed. Im currently a loan originator so I now have knowledge of all the federal laws that are be broken on this matter.
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| 09/21/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem related to refinancing
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Web |
Servicemember |
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so since the XX/XX/2017, we had are car reposed and I filed a compliant then will that same day my husband drove out and talked to them and I called and to the GM at XXXX AR XXXX XXXX and he had told me that they have received the paperwork about or petition of affirmation of asset automatic stay well I sent a story behind that we were mislead and scammed and took for money and it was not filed at all, we did n't know till the next day when they took our truck well when I spoke with the gm from XXXX XXXX in XXXX ar, he said if we filed the petition the next day or when we could and GET IT APPROVED THROUGH THE COURTS THAT WE WOULD GET THE TRUCK BACK AND HE WOULD WORK THE LOAN OUT SO ARE PAYMENTS WOULD BE LOWER AND MONTHLY,.
WHEN MY HUSBAND GOT THERE THEY TOLD HIM ANOTHER STORY THEY SAID HE HAD TO PAY THE TOWING FEE AND BRING TWO CHECK STUBS FROM ME AND HIM AND THEY WOULD RELEASE THE TRUCK BACK TO US.
WELL THEY HAVE NOT CALLED OR SPOKE TO US BUT MAYBE THREE TIMES ALL THE WAY UP TO THE XXXX OF THIS MONTH AND THEY TOLD MY HUSBAND THAT WE WERE GETTING THE TRUCK BACK IF I DROPPED CIVIL SUITS AGIANST THEM WHICH I NEVER FILED I FILED COMPLAINTS AND IN THE COMPLAINTS SAID IF THEY DID NOT WORK SOMETHING OUT I WAS GOING TO FILE A SUIT WELL THEY STOPPED TALKING TO US AFTER THAT HERAD NOT A WORD AND FINALLY TODAY MY HUSBAND DECIDED TO CALL WHICH TOOK HIM 30 MINS AND HAD TO CALL 800 NUMBER CAUSE THEY KEPT HANGING UP ON HIM, WELL THEY SAID THEY WOULD CALL HIM BACK WHICH THEY DIDNT AND IT WAS GETTING VERY LATE WERE THEY WOULD CLOSE SO HE CALLED BACK AND THEY TOLD HIM A WHOLE DIFFERENT STORY THEN WHAT THEY HAD TOLD US BOTH AT ALL THEY SAID WE DEFAULTED AND DIDNT HAVE INSURANCE WHICH WE DID HAVE INSURANCE AND WE DIDNT DEFAULT HUSBAND HAD AUTOMATIC WITHDRAWAL WITH THEM WHICH WE HAVE THE SIGNED DOCUMENTS FOR THAT AND THE BANK CAN VERIFY ALL THAT AS WELL THIS IS WRONG AND HE TOLD US HE WASNT EVEN GOING TO CONTACT US ABOUT IT AT ALL THAT THEY WERE JUST GOING TO DO IT AND NOT SAY NOTHING FIRST THEY REPO THE CAR WRONGFULLY LIE TO US ABOUT EVERYTHING THEY WERE GOING TO DO FOR US AND THEN WITH ANY NOTICE OR WORD JUST THROW AWAY THE CONTRACT OUT OF THE SYSTEM
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| 01/21/2023 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I leased a Vehicle from JD Byrider ( CNAC ) and the whole process was fraudulent feeling, and Wrong id later find out. They over charged me on a XXXX XXXX XXXX that was faulty basically rigged up for the sale. But i ended up paying XXXX XXXX XXXX for a vehicle i only gotten to drive for 4 months or so. I called multiple times to fix the issue and was bullied and and taken advantage of bc of my lack of knowledge of cars and buying cars. They knew it was my first vehicle and i was desperate bc i wasnt having very good luck with finding my first vehicle. They tried to charge me XXXX dollars plus intrest on a vehicle that blue booked XXXX to XXXX XXXX in great condition ( the vehicle i leased was not close to good condition ). I ended up paying XXXX dollars the majority while the car was broke down in my driveway for way too long. I was told they would fix it or trade in if i could drive the broke down car to them from 5 hours away which they knew and had only said that after i told them i couldnt and that car was my only transportation. ThSo i was threatened about my credit and intrest on my loan if i didnt contenue making payments on the then broke down car. So i did for way to long. They finally towed the vehicle back to the shop after 7+ months of us going back and forth. They had no attentions on letting me trade it for a diferent vehicle or fixing it and letting me continue making payments like they said and said was their policy they kept the vehicle then hit me with the bills like they had planned when they shook my hand on the " sale ''. Next thing i know im in debt with them no vehicle and credit took a hit and havent been able to get a vehicle from a decent lot in years bc the mark on my credit. I want my money i spent on XXXX XXXX XXXX repairs and payments on a haunted house with new fancy curtins. They could have atleast traded the vehicle for a different pos like they said they would. Ive been denied more times then i can count or over charged bc of CNAC JD Byrider. Killing my credit lost my job bc of transportation and draining my pockets. This was in XXXX through XXXX in XXXXXXXX XXXX at JD Byrider my name is XXXX XXXX
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| 04/21/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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A notice of intent to repossess was sent XXXX XXXX, 2016 with date of XXXX XXXX for payment from ( XXXX Byrider- CNAC ) car was a payment behind. The car was taken in the middle of the night XXXX XXXX, 2016 before said date without notice. Owner with the next morning XXXX XXXX, 2016 concerning car, information was given as to want was need to get the car back, the owner complied with the required funds and insurance need. Same day, lender made the owner belief he would get car back, but later came and give a knew requirement after the first was met. Owner had been in dealership all day and at the end of the day told him he would not get the car. The office staff did not communicated with owner properly which cause him great emotional stress ; owner request release of personal property which included his medication and was refused he became very upset and was told to leave the property without his personal property. Day two XXXX XXXX, 2016, owner call office concerning the car telling them he has the additional funds they wanted and was told he will not get the car back, owner has paid over {$4000.00} toward the car. XXXX who is a XXXX time buyer and inexperience in dealing with loan sharks company like ( XXXX ByRider- CNAC ). A request for financial information of payments made and personal property on day two was made and no one informed the owner nor his mother that he need a written notice to get the information and his personal personal items. Owner wanted his mother to pick up personal items because he did not want to go back to the office because of want happen the day before. Personal item was not release. One of the office staff waited until the manager had left and took the paper that was given to mother and destroyed them and refuse to release anything. The customer service and the manner in which this case was handle is not exceptionable. I was told by one of the staff member that XXXX Byrider laws and regulation concerning consumer rights are different then other financial company. It is my understanding that the consumer has certain right also. The owner has missed two days of work because of no transportation.
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| 04/15/2015 |
Yes |
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- Communication tactics
- Called after sent written cease of comm
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Web |
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I purchased my car through XXXX Byrider in XXXX 2013, financing it through CNAC. Immediately after purchasing the car the engine light came on. I did take the car to them to fix and had to pay for some of the repairs. The warranty does not last on the car and as soon as the warranty expired did the many problems arise. I believe this company takes advantage of customers with poor credit by giving them cars that has many hidden problems while giving them huge bi weekly payments ( I pay almost {$500.00} a month ). I just got my car back from the mechanic about two weeks ago and he had it for almost a month. That means I had no way back and forth to work while still trying to keep up with my payments. The car has so many problems it is just a matter of time before it is undrivable XXXX again.
When completing the application for the vehicle, I gave them a list of people to contact as a reference and another short list to contact in case they are unable to contact me. Currently my car payment is four days late, I told XXXX Byrider that I will make my payment on Friday as soon as I get paid. They are contacting my references telling them that they are not able to get a hold of me which is untrue. I have the emails to prove that I am in contact with them. They are not using the list giving to them to contact if they were unable to get a hold of me. My father called me today extremely stressed getting these phone calls. I emailed my rep to let her know that my elderly father XXXX ( among so many other health issues ) and that stress is the worst thing for XXXX. I asked her why she would she contact him when we already had a discussion regarding me paying on Friday. I also informed her that he was not on the list to contact if she was not able to get a hold of me and to please not contact him again because of this. She told me that she will continue to contact him until I made my payment and would not stop unless he told her not to. It is not in my father 's nature to tell someone to stop calling him but most importantly it is against the agreement that they put forth, morally wrong, a form of harassment and elderly abuse.
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| 09/18/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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JD byrider/XXXX is the financing group, I paid on time every time without issue, they offer insurance on their vehicles which I paid on time every payment. My issue is I got into an accident and they received the money via the insurance for a car that has a median value at XXXX with the highest amt on XXXX at XXXX, they received a payout of see below : On Mon, XX/XX/2018, XXXX XXXX XXXX XXXX XXXX wrote : I am sorry that you feel that way, but the arrangement was for XXXX to make the first payment on XX/XX/2018 for {$190.00} while the claim was in process, since we both knew that there was going to be a deficiency balance after the insurance payment and sometimes insurance claims take a bit longer to get resolved.
Here is the break down on how the insurance, Interest and tow fees payments were applied.
Payment Interest Principal Balance {$7800.00} as of XX/XX/2018 interest accrued from XX/XX/2018 to XX/XX/2018 is {$100.00}.
XX/XX/2018 Ins. check {$4000.00} {$100.00} {$3900.00} {$3900.00} Tow fee XX/XX/2018 2nd Ins check {$620.00} {$66.00} {$550.00} {$3300.00} Please contact XXXX XXXX at XXXX as soon as possible in order to avoid any further action.
If you have any questions please contact me at XXXX.
Thank you.
XXXX XXXX JD Byrider They also put me in repo at XXXX owed and the car was not repod it was totaled out with the insurance pay out, which cause my score to go down by XXXX points. I believe this is unfair as they received money from the insurance for their product. They ruined my credit claiming repo for a vehicle they did not reposses. They have knocked on our neighbors door and continuallyn knocked for 2 days staright on the XX/XX/XXXX and XX/XX/XXXX and threatened to put it on my credit if I didn't give their collector the money on the XX/XX/XXXX
I have read many complaint reviews online of this tactic to other consumers.
Please advise as this is not fair to people who have maintained a good pymnt record.
I could even get my car repaired as they wanted the pymnt for the previous tow before my front alignment and front end can be fixed, I felt this was probably the cause of the accident.
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| 09/16/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Over the last 8 months, I have been reaching out to J D Byrider, trying to get the loan for my car situated. I have a {$18000.00} loan for a XXXX XXXX XXXX that is used. My first issue came when I had a loan with them and the car was totaled and they told me if I purchased a car from them the first loan would be forgiven. That is not the case, I looks like I am paying for one car but I am paying for the car that was totaled and the car I have currently. When I spoke to the insurance company they stated that they released all the funds to J D Byrider per my request. I never spoke to the insurance company aside from reporting the accident. The finance representative from J D Byrider stated that they would speak to the insurance company so that I am not bet out any money. I went back several months later and purchased the XXXX XXXX, everything was fine until I missed a few payments and noticed that the information on the loan was different then discussed. At the point I was threatened with repossession and having a bad credit score because I was not paying. The car was repoed 3 times and I was charged {$370.00} each time and was told that it would be added to the end of my loan. I moved to NC and prior to doing so asked that the car be picked up. I was told that the car would be auctioned off and I would be responsible for the remainder of the balance and that a garnishment had been issued for past due payments. In about XXXX the calls and threats had stopped, I assumed it was because I started sending in payments but just learned that the company is no longer open and I have no idea where my payments have went to and on top of that I have a car with no title that does not run sitting on my credit showing I still owe over {$16000.00} for. I can not get another car because of this and wasted over {$15000.00} making payments to a company that is closed. I have reached out to the local branch here and they stated that they are not affiliated with the branch, I called the customer service number and it no longer works. I am confused on how to move forward, I need to get this problem taken care of
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| 11/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I took out a loan with cnac for a XXXX XXXX XXXX XXXX, which now is under recall with NO KNOWN repair solution at this time. Due to this no insurance company will cover my vehicle, and CNAC requires full coverage insurance. I had a current policy with XXXX XXXX and when it was time to renew policy was denied coverage. I requested an exception, even acknowledging that I would have to pay more for high risk, but was denied. I called CNAC and asked about picking up their insurance and was told I could add collision protection but would still need to have state insurance coverage. So I requested a payoff amount in order to try to get loan to pay off in order to not default my contract agreement of insurance coverage. The amount was more than my app even stated my total loan amount was. I requested to XXXX that they swap me vehicles that is insurable and was told that I could come start a new loan agreement but all I've pd in past is null. They would only give me XXXX in trade in value and I owe {$10.00}, XXXX. This vehicle is for my ex wife, whom is on XXXX and I am her rep payee. She barely makes enough to pay her payments and at times I pick up her insurance premiums. She doesn't have funds to just start over with a different vehicle, nor funds to be penalized by state for not carrying insurance on a car that is being financed, by cnac for defaulting on contract by not carrying insurance or because she pays it off early just to get out of contract. Considering the fact that the XXXX isn't legally able to be used on the street and due to no fault of her own, she is unable to utilize the product of which she purchased. CNAC basically said to make sure she makes her next payment but their is nothing they will do to help resolve the issue. Would it be possible to cut the added interest and fees and only pay the vehicle purchase amount in order to help her get out of the contract deal. She shouldn't be stuck with a noninsurable vehicle yet be held for the fees and interests of the future of the loan. What can she do? Should this be a XXXX issue or CNAC?
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| 03/05/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I purchased a used car through XXXX XXXX in XXXX of XXXX. They have an on-site loan company called XXXX. As is the cars are sold at triple book value. I made on-time bi-monthly payments of {$180.00} up until XXXX. If they were late it was never more than a couple days. I became XXXX and was granted full SS XXXX in XX/XX/XXXX and caught up on any late payments in full by XXXX XXXX. However I began to fall behind again as 5 of us live off my SS. I knew that I was now in the window of repossession but had not received a formal letter as of yet only some contacts by XXXX XXXX manager ( only employee ) stating I need to call her to prevent any escalation. On XXXX, XXXX XXXX I received my SS as direct deposit. The following evening my husband went to the bank and called me in a panic that there was only {$44.00} remaining in the account and XXXX had put through 7 consecutive payments of {$180.00} totaling {$1200.00}. I contacted the bank immediately to contest the charges and notified their fraud department because I never gave authorization for ANY deductions. I called my local PD who said they could only take a report. I called the main office, after hours number and texted messages to XXXX to please call me immediately to discuss. It's been 5 days and still no communication from XXXX. They were suppose to delete my debit info. after every payment due to an unauthorized charge about a year ago. Their suggestion was to remove my payment info ( debit card number etc. ) every time I made a payment to prevent it from happening again. They shouldn't of even had my card info. let alone charge my checking account 7 times. This has put me into severe financial hardship and I am now at risk of eviction, power shut off, no car gas, no food, etc. My SS XXXX is our families only income and they took it and I can't even reach them to discuss why! I left a message that said " you repo the car, you don't drain my checking account without permission! '' and still no response. I have called every given number and texted as well, and still nothing!
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| 05/31/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I purchased a XXXX XXXX XXXX on X/X/17 I paid XXXX in cash and a trade in of a XXXX XXXX XXXX for XXXX in which they deferred another XXXX up in four payments of XXXX . The first payment made on X/XX/17 the motor blew up and I was without a car for a week and was n't reimbursed for my rental for almost three weeks. I was informed that the replacement motor was also defective so they were going to give me a newer model XXXX XXXX in which his all transpired on XXXX . I then realized they had made the mistake on the payment dates and I called them and they adjusted that for me which took a few days. Well on XXXX XXXX XXXX I realized that they had n't pulled my payment out I called and realized my credit card had been stolen and money in my account was compromised. So I called my bank they stopped the card issued me a new one and I kept in contact with CNAC to let them know as soon as I get the new card payment would be made. During all this myself and Co-signer XXXX XXXX had both changed jobs. In which I disclosed to CNAC as well. So on XXXX I received my new card spoke with a XXXX we tried to run the payment three times did n't go through, it was after bank hours so I had to wait till sat XXXX to call bank they realized something was wrong with cars said they would issue anothe r one. Well Mon day was a holiday. Tuesday XXXX when I got off work tried to call to make payment and CNAC was closed. Forty five m in later repo people were at my door. I called CNAC on XXXX right at XXXX XXXX to make a payment was treated very rudely and disrespected put on hold fo r five m in then was told management made a decision that they were n't going and further with the relationship with me. O trie d two mor e times to make the payment which by XXXX was only 12 days late and in the amount of XXXX . I just want my car back and continue to work and provide for my family. Please help me I feel this is unfair.
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| 03/16/2017 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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In reference to CNAC-TX XXXX # XXXX account.
Check issued : XX/XX/2017 for {$2100.00} as paid in full.
To Collection Manager : This letter is to inform you that the validity of this debt is disputed. As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I am willing to pay {$2100.00} which will be paid by XXXX XXXX in the form of a check. If you agree to delete this account from any and all credit reporting agencies XXXX XXXX will release funds as promise, and there will not be a stop payment on the check in the amount of {$2100.00}. Please do not quote to me that you are unable to do this, I am aware of both your rights as well as my own. We both know you are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. The purpose of this settlement is merely to have this item removed from all reporting agencies. We are both aware that paying this debt is no benefit to me unless we can agree on the terms. I am sure you are aware that paying a collection account does not bode well on a credit report and that merely having a collection on a credit report will have a negative impact whether paid or unpaid.
If you agree to the terms and accept this agreement, XXXX XXXX will release funds as promised only if in exchange for it, you are agreeing to the terms set forth in this agreement and will be deleting this account from all reporting agencies ( XXXX, XXXX, XXXX ). This debt will be considered satisfied, there will be nothing more owed, nothing further to collect, and you will consider this a closed, satisfied account. Again, ALL references regarding this account must be deleted from ALL reporting agencies. Since certified funds will be used for payment, ALL information about this account WILL be removed from all reporting agencies within 15 calendar days of receiving the funds.
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| 10/02/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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CNAC ( J D Byrider d/b/a CNAC aka XXXX XXXX, XXXX XXXX, XXXX, IN XXXX, XXXX ) delivered a Faulty automobile title, + held my own sale hostage while demanding a phony claim payment of {$110.00}. My CNAC statement clearly and unequivocally states " Paid in Full - No Balance Due ).
On XXXX XXXX, XXXX I purchased a XXXX XXXX XXXX XXXX at J D Byrider / CNAC, and used their CNAC financing.
On XXXX XXXX, XXXX I closed my loan with CNAC and received a signed statement " Payment in Full, no balance ''.
Upon closing my sale of my car XXXX yrs later on XXXX XXXX, XXXX, I discovered that CNAC had in XXXX sent me some sort of FAULTY DUPLICATE Title ( of which I had no knowledge or awareness necessary to ID a faulty/unacceptable title ). CNAC now ( on XXXX/XXXX/XXXX ) claimed some bogus balance due + interest/fees equaling {$110.00}. They would not provide the actual title unless I paid them. SO CNAC held my sale HOSTAGE for an INAPPROPRIATE, PHONY claim. I did not expect this problem so I did not have the Signed statement re " Payment in Full, no balance ''. I had no choice but to pay CNAC, otherwise I would lose my sale.
As a large financial firm, I can not believe this is an innocuous, honest mistake. Rather this appears to be a phony rip-off, hoping that prior customers do not have their paperwork, allowing CNAC to strong-arm customers for bogus fees and claims, while using faulty titles as XXXX mechanism.
And regardless, as a large financial firm, CNAC/J D Byrider has a duty, including Truth in Lending standards, to maintain accurate records and provide accurate, honest documents.
Upon requesting the assistance of the XXXX, CNAC chose to blatantly ignore and not even reply to XXXX XXXX inquiries. A reputable company with a legitimate position on a matter would never just ignore an inquiry. That intransigence further indicates CNAC is knowingly and willfully engaging in Faulty Claims, Faulty Documents, Misrepresentations, and numerous Truth-in-Lending violations and disregard.
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| 06/23/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
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I purchased a car from JD Byrider XX/XX/XXXX. XX/XX/XXXX the vehicle was damaged in a severe storm. The insurance company claimed it was a total loss. The company asked and I agreed to continue to make the payments until the claim was completed as good-faith. When the insurance company 's adjustment was completed the difference between what was owed on the loan what they would pay ( the replacement cost ) was over {$5400.00}. After several attempts by the company to pressure me into another similarly over-priced vehicle I declined. I, instead opted for an agreement that I would pay the {$500.00} deductible and the company would forgive the balance after receiving the it along with the {$6400.00} check from the insurance company. I asked for this in writing and received it a few weeks later. When it was confirmed that the insurance company 's payment was made I attempted to pay the deductible and asked for a release of debt letter but was turned down by the woman at the payment office. She said that I owed {$5400.00} before I could get any release from my debt obligation. After numerous attempts to get the company to honor their agreement that was in writing I noticed that I had a charge-off on my credit report. Many months later they continued to not honor this agreement and my credit was severely impacted. I also notice that they had listed it a second time on my report from a different office. XX/XX/XXXX I contacted this second location hoping to get some relief and a reversal of this erroneous credit rating. After reviewing a copy of the letter the second location agreed that they would accept the payment and restate on the credit report paid in full as agreed. To my astonishment a week later the account was reopened as now paying. When I contacted the location again I was being lied to and the issue has not been resolved. I am now pursuing legal action as this has cost me tens of thousands in additional interest because of the negative impact on my credit.
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| 10/19/2016 |
Yes |
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- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
Servicemember |
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I am currently 12 days past due on my car payment. The day my car payment was due I called from a co-worker 's phone to advise my finance company of the exact date I would be able to pay. ( exactly 13 days from my due date ) I clearly informed my finance company that I was contacting them to keep them informed and I had no previous due balances. I informed them that I was letting them know so that no collection attempts were made. They are repeatedly calling my coworker, friends, and family to try to collect my car payment, and the day that I promised to pay has n't lapsed. Yesterday they called my coworker back to back 5 times in a row until she answered the phone and informed them to not contact her again otherwise she will press charges for harassment. They are embarrassing me to all of my friends and family and I 'm currently only 12 days late on my payment. This has also happened in the past when I needed to pay late. I 've never paid my bill later than 14 days past due. This is clearly harassment. They will text if no one answers the phone even after I 've requested to never be communicated via text. They are claiming to my friends and family that I have not communicated to them when I 'm going to pay, and they are stating that they are just trying to help me, however there is no help that they could give. I have asked to be switched to a monthly payment instead of a payment every 2 weeks, which would be helpful, however they are unwilling to do so. I am still planning on making my payment as promised however they will not cease with the embarrassing phone calls to my friends and family. I have requested that they never call my friends and family again in the past due to their embarrassing and harassing behavior and they continue to do so if I 'm ever late for a payment. I would understand the calling if I were months and months behind however they do this starting 3 days after payment is due whether I contact them or not. This can not be legal!
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| 10/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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CNAC has two closed accounts on my credit report, both are auto loans, one for the ammount of {$8300.00} which was open XX/XX/XXXX, reported XX/XX/XXXX, this loan was paid off when insurance ( XXXX XXXX ) cut the check directly to them for my auto accident for this auto loan. One for the ammount {$10000.00} which states it was open XX/XX/XXXX, reported on XX/XX/XXXX and closed XX/XX/XXXX. Both accounts were paid off in full. With not one late payment. They have negative remarks about my payment history that has been affecting my credit for 4 years now. I have loans from the department of education/XXXX showing a {$0.00} balance still on my report with negative remarks about my payment history. I have many student loans on my report at a {$0.00} balance that were paid in full and either closed accounts/sold accounts/ or months over 7 years old with negative remarks about them being deragatory. I have an account on my report from the u.s department of education opened on XX/XX/XXXX that were just reported on XX/XX/XXXX. I have a account in collections from XXXX that has been removed from two of my credit reports because they knowingly supplied false information to obtain a debt. I am XXXX years old, 50 % of my credit report is inaccurate and or false. I have many negative remarks about my payment history that are not true and I have suffered from it for the past 4 years now. I have been unable to buy a home, open a credit account, I have even been denied a bank account before because of this, I have been denied apartments because of my credit reports and the false or inaccurate information demeaning my reputation indirectly claiming I have poor payment history or I can't stick contract or payment plan. I couldn't even get an opportunity to lease a new bed I have needed for my daughter for the past year. I have filed disputes to have these matters taken care of and I can no longer not take action it's time to fight for my credit freedom.
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| 08/12/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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On XXXX XXXX, 2016 I received a call from XXXX at CNAC at my place of employment. XXXX called a different department asking to speak to my Supervisor not knowing that the person she spoke with was a Supervisor. The Supervisor asked what was the call in reference to and asked her was it in reference to my kids. She would n't give them a any information but stated that her name was " XXXX '' and proceeded to ask to speak to my Supervisor so this particular Supervisor directed the call to my office but I was unavailable at the time. Fortunately my Supervisor was able to get the number off of the Caller ID so I would be able to call the number back. After calling the number back and asking for " XXXX '' she stated that her name was XXXX with CNAC. XXXX continued the conversation by telling me that if I did n't pay them that they would take me to court and garnish my wages. I stated to XXXX to come and pick the vehicle up and do not call my place of employment again and hung up the phone. After hanging up the phone XXXX called my place of employment right back and proceeded to harass by telling me how rude and disrespectful I was and that they were going to take me to court and win and garnish my wages. I told her to speak with my attorney and she told me that I did n't have an attorney and then I hung up the phone. That day I went and filed for bankruptcy because of the threats and harassment so that she would not continue to call my place of employment. After filing for bankruptcy CNAC started reporting negative information to the credit bureaus. CNAC also called my place of employment several times before this incident. I also purchased another vehicle from an actual dealership and they called CNAC for some information and CNAC called them back and stated to them to not sell me a vehicle because I would not pay them but if you look at my payment history they were always paid for the past ( almost ) 2 years before this incident.
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| 05/25/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
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I finance my vehicle with CNAC in XXXX XXXX and have made my monthly payments on time, as reflected on my credit reports, since Day one.
Starting in or around XXXX XXXX, my account representative was changed over to XXXX XXXX. Since the time he received my account, he began calling me days prior to my due date asking if I was going to make my payment. even after I confirmed that my payment would be made on the due date, he continued calling repeatedly asking the same question until the date of the payment. There would be days where he would call me multiple times and leave multiple messages. In XXXX and XXXX, XXXX XXXX made hard inquiries on my credit reports without my consent. He continued harassing me all through XXXX XXXX. In XXXX, he sent another employee to my residence demanding payment or he would have my vehicle towed. when I refused to pay him, he proceed to act as if he was calling the tow truck. I then called CNAC directly where they advised the employee to leave the premises.
My account was transferred over to XXXX with CNAC in XXXX and that was fine until today. XXXX called me and left me a message regarding my promise to pay today ( which was fine ), but then XXXX XXXX called me and left me a message as well, following up on his harassment. when I called back in to make the payment, XXXX answered and I requested to speak with someone else, he refused and stated that there was no one else to speak with. he then began being very rude to me and asking why I had a problem with him. when I advised that he was in violation of the Fair Debt Collection Practices Act, he stated that I was just making excuses for my payments being late and started being very derogatory. He refused to transfer my call so I bid him farewell and called back and made my payment with another employee. XXXX has been in violation of the Fair Debt Collection Practices Act and has continued harassing me amidst my requests for him to stop.
|
| 09/26/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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On XX/XX/XXXX, I had called byryder the number me the same guy that sold me and XXXX the vehicle it was a replacement after a tornado had totaled the XXXX XXXX XXXXXXXX. It had a blown head gasket I was to fix it the day that XXXX XXXX or last name XXXX decided to walk out and leave everything on my credit with no word no answers on XX/XX/XXXX or XXXX I any way I had called byryder and left the guy that sold us the car a voice mail with the account number and my name and her name and my phone number the voice mail had stated that XXXX decided to walk out and I cant afford the car and you guys need to come a repo it. XXXX XXXX or XXXX had talked me into being primary on the accident due to her having XXXX repos and that she was second primary. I had left the car at the house in XXXX once I moved into my friends cause I couldnt fix it after i spent all my money on trying to save my house. XXXX was the last one at the house getting her stuff out I had also left a voice mail on the manager phone the guy who runs the car lot shop saying the same thing. Some how in the time frame of her last seeing the car and asking me for the keys and I had told her I left the keys in side the house on the counter the car place wants to come after me for the car being missing they call and call and I answer i instate I left the car on the property XXXX was the last to see the car and had asked for the keys so why she wasnt answering the phone call from byryder is a mystery to me. I had no intention of leasing a car I had a car already that my mom had givin to me so again I would like my name off the account due to it being her car that she always drove and wanted. She had me do a lot of joint stuff with her and it is effecting my credit badly when I had no part in anything that she had planned I feel like I was scammed and used that whole friend ship. And fraudulent scammed as well
|
| 02/13/2017 |
Yes |
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- Communication tactics
- Frequent or repeated calls
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Web |
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I financed a vehicle from JD Byrider XX/XX/XXXX, when I purchased this vehicle I also had my payments automatically deducted from my bank account. I still to this date XX/XX/XXXX, have this set ujp on my account. XX/XX/XXXX there was a new employee at my finance company assigned to my account, who began to call me regarding my payment, I explained to her that she did not have to call me regarding my payment, my payments are automatically taken out of my account. She continued to call me regarding my payment anyway, as well as asking me if the funds are there, I then would hang up on her. I would later receive a call from my sister telling me that this same woman called her stating she was trying to get a hold of me regarding my auto payment, and when I arrived to work my supervisor informs me that this same individual called my employer regarding my auto payment and insurance on my veihcle. My supervisor explained to her as well as I have that I am not to receive these calls on the job and the woman explained that she was fully aware of that. I then contacted XXXX manaers regarding this issue, and the phone calls stopped for a few months. She then began to call regarding my insurance on the vehicle I explained I have an XXXX insurance you do n't have to verify that with me you can verify that through the state if you want to know if I have insurance. Here we are XX/XX/XXXX and she is calling me regarding my auto payment again. Nothing on my account has changed, my payments have been taken out of my account for a few months with no problem and she is harassing me about my payment again. When I spoke to the XXXX managers they both confirmed that it shows on my account which debit card to deduct my payments from and both confirmed they did not know why this individual is calling me regarding my payment. She wo n't stop harassing me and I need assistance.
|
| 09/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
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XXXX XXXX we financed a XXXX XXXX XXXX. A week later it was in the shop for a front passenger windshield washer spray hose. XXXX XXXX the XXXX dies out on XXXX practically leaving us stranded. We take it to the shop same day days later they explain it is the transmission, it gave out. We leave it for them to fix and we hear nothing. I call back they say the transmission has not been delivered yet. I ask well can we get a loaner to get to work rudely he said we normally don't do loaners but in this case ok. We felt just as scared and worried in the loaner because the check engine light was on also in the loaner? On XXXX XXXX they call and say the XXXX is ready we get there pay a {$25.00} dollar deductible only to find the Service department lost our car key made us a new one which did not have our gas cap key and also did not open the back hatch? We drive away only to die out the same day leaving us stranded. Next day XXXX XXXX we drop it off at the dealership again. Later that day they tell us the crankshaft sensor went out. We drive it for 2 days and on XXXX XXXX the XXXX is stalling and the check engine light comes back on? We got to the point we can not handle this anymore XXXX XXXX we go in to voluntarily surrender the Jeep due to mechanical issues XXXX XXXX took our plates that we paid for and held them in the Service department making us feel hostage for wanting out of the contract. We signed the voluntary surrender paperwork with XXXX and instead of XXXX being a gentleman and giving us our plates XXXX had to go get them for us. Then JD Byrider later that day did a hard inquiry on our credit this is negligent on their part and we feel our credit should not suffer because of this. Since we had the XXXX we paid the loan on time each time the loan payment was due. We even made a payment while the XXXX was in the shop. Please can someone help us.
|
| 10/05/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
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Web |
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I was given a loan on a bad car in the amount of {$21000.00} on XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX to find out my remaining balance, a woman on the phone told me {$8000.00}. I subtracted that from the loan amount to find that I already paid {$13000.00}. It was refused as a trade in at XXXX XXXX in XXXX because the car valued at {$1200.00}. I pay biweekly at XXXX XXXX so in a regular month that's about {$400.00}, but there are several months I get paid 3 times so that's about {$600.00}. I never missed or was late with a payment on anything especially this car loan. I paid all repairs out of pocket because I was too scared to go back to them. I found out in XX/XX/XXXX this year that they are being sued for predatory lending. The car valued at less that {$4000.00} when I bought it and they still sold it to me for {$13000.00} at a 19.948 % interest rate and a {$6400.00} finance charge on top of a " down payment '' of {$1700.00}, which I didn't have anyway and they let me pay off the down payment but I still had a trade in at that time which they valued very low. I got some advice from financial advisors and they told me that if I keep the car I'm losing and if I give it back I'm losing too. I can't sell it for anything close to what I owe still, not counting what I already paid. I filed a complaint with the Attorney General because I know she has a law suit against them for predatory lending. I can't afford a {$600.00} payment next month or ever again and the car isn't worth keeping anyway. I do have a child and a job that requires a vehicle. Basically they charged me {$21000.00} for a vehicle that valued less than {$4000.00} and forced a payment schedule of every payday on me. I never had a choice or say in that. I don't want anything. I only want XXXX XXXXr and CNAC to take back the car and call it even and leave my credit alone.
|
| 09/01/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
I purchased a vehicle on XX/XX/2023 from J.D. Byrider. The next day XX/XX/2023, I started to experience issues with the car while driving. I heard loud sounds so I reach out to XXXX and let her know the issues the issues that I was having with the car. They had me to bring the car back to them on XX/XX/XXXX so that they could run a diagnostic check. They told me that they needed to order part to fix the car and to bring it back in once the part was in. On XX/XX/XXXX, I dropped off the car to them to make the repair. About XXXX hours later, they called me and told me that the car had been fixed. I picked up the car that day and later that evening the sounds started again. Let them know that the car was doing the same thing. On XX/XX/XXXX, the car started running hot. I reached out to them and told them that I would like my money back because this car is a " lemon ''. They told me that I could not get my money back so I asked to placed in a different vehicle and again they told me that they could not do that either. They kept the car over 7 days and said that the car was fixed again but I heard the sounds again. They stated that they could not hear the sounds, although the sounds were obvious, so they didn't know how to fix the car. They stated that they would like to cancel the deal. I dropped off the car. On XX/XX/XXXX, I returned the car to them. I was told that since I disputed the down payment, I had to pay or they won't fix the car. The XXXX was adamant about not fixing the car or giving my down payment back. On XX/XX/XXXX, I received my down payment back from my dispute however a repossession was placed on my credit report. I question them about why they put a repossession on my credit and they stated that since I abandoned the vehicle it becomes a repossession although the vehicle was in their possession for repairs.
|
| 09/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
My rights as a consumer are being violated by the cooperation CNAC-M105. When entering this consumer credit transaction, I found many issues with this companys policies and procedures. Ive filed many complaints, but this company is not complying with what I am requesting. As a consumer I have the right to opt out of my personal information to be shared with any third parties, those third parties will include XXXX, XXXX, and XXXX. Per the Gramm-Leach-Bliley act it should have been made CLEAR AND CONSPICUOUS that I had the option to opt out of sharing my personal information. Yes, in the credit application it states that my information will be shared, but where was it made clear that I had the option to opt out of this? As a consumer I have a right to privacy. Also, I understand that it is CNAC-M105s responsibility to send out a yearly updated privacy notice, please confirm those have been sent over to me. This company claims that since the credit application stated that they report to the credit reporting agencies, that should suffice as a disclosure, but that is not enough, that is not federal following federal law.
This corporation has also explained that this is a charged off account. I recently sat down with my tax accountant, and he explained that since I did not report this debt as income, I now have a chance of being audited by the IRS. I havent been able to sleep, and I am very anxious about being audited and being levied tax penalties due to CNAC-M105s unconscionable conduct by not sending the required 1099C form and attempting to collect a debt that has been cancelled. You are violating federal law ; I demand that this account is deleted from all consumer reports immediately. This will be my final attempt to resolve this matter before I must escalate this claim to higher government authorities.
|
| 04/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
On XX/XX/XXXX I financed a car through Cnac financing /j.d.byrider for a XXXX XXXX XXXX and was making payments on time and paid off my deferred payments and was simply making my monthly car note payments, in XX/XX/XXXX I made my payment for {$260.00} and was in good standing with my payments, 2 days later my car was wrongfully reposessed and when I called into the dealership letting them know that they werent in the right and needed to fix the situation, their response was well I shouldve called into them to let them know payment was rendered because they were closed for a few days but I know if me paying it online and the company sends me a receipt every time then I know their data base shows payment was made and then putting my car up for repo was a mistake that was on their part and not mine!!! Then they were trying to make me pay them towing fees for their unprofessional mistakes then I went and picked up my car from the XXXX there and was still up to date with my payments then they lied and said that the car was stolen when it was not, they reposessed it again and the police never arrested me or anything seeing the fact that I had all my paperwork to show my car was mine and in good standing and just overseen the vehicle repossession to keep peace, then after all the unlawful and wrongful unprofessional antics they had pulled on me they had the audacity to quickly put a unlawful repossession on my credit file which has made a bigger issue with me deeming the company mislead me and did unlawful practices to get more money out of me whose the consumer, and gave a big history doing this to many people! I know my rights and need this wrongful repossession rectified asap and the wrongful repossession to be removed off of my credit immediately!! I paid out to the company overall {$2100.00} in total )!
|
| 06/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
On XX/XX/XXXX I purchased a vehicle through a consumer credit transaction from XXXX XXXX XXXX, XXXX ( Byrider ), After researching consumer and state law I reached out to XXXX XXXX who is the finance manager at Byrider to raise concerns about the finance charge and APR. I mentioned to XXXX XXXX that the finance charge was not adequately disclosed because it did not reflect the sum of all charges pursuant to 15 USC 1605a. I also mention that the APR percentage was not computed in accordance with the law.
When I initially raised these concerns to XXXX XXXX and staff they completely disregarded me and I was told I was wrong. Still, no one would inform me of nor help me understand any provision within my retail installment contract. I was treated with no respect and staff even disconnected the call. Due to the circumstance, I faxed Byrider a notice of dispute on XX/XX/XXXX.
I had possession of my vehicle up until today. Earlier today I emailed XXXX XXXX expressing that I wanted to renegotiate the terms or for them to follow the law and disclose the finance charge. XXXX XXXX response was that I was in default on the account for payment due 4 days ago on XX/XX/XXXX. After stating I was in default XXXX XXXX stopped responding to my emails and a couple of hours later, I witness Byrider repossessing my vehicle. I gave Byrider every dollar I had for the downpayment and now theyre treating me unfairly and disregarding me. Byriders repossession of my vehicle is fraudulent and unauthorized due to their disregard of my dispute and violation of Truth in Lending.
Byrider took my vehicle today and this is emotionally overwhelming because I spent every dollar I had on the downpayment and recently got the brakes replaced and now I have no car it will be a struggle getting my daughter to and from school.
|
| 08/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I received a high interest loan through J.D. BYRIDER / CarNow Acceptance Company ( CNAC ) located on XXXX XXXX XXXX XXXX in XXXX, Texas My vehicle was hit while parked on XX/XX/2020 by a drunk driving accident and assessed by the guilty parties insurance as a total loss damage I also informed my auto loan broker ( CNAC ) / auto dealer J.B. BYRIDER located on XXXX XXXX XXXX XXXX in XXXX, Texas of the auto accident that occurred on XX/XX/2020 along with my intent not to make an installment payment towards my auto loan until all of the particulars with the car accident was handled and the insurance check from the guilty party 's insurance company was to be dispersed on approximately XX/XX/2020 furthermore i informed the finance department of CNAC / J.B.BYRIDER located on XXXX XXXX XXXX XXXX in XXXX, Texas on approximately XX/XX/2020 as well as on XX/XX/2020 that I would no longer be making installment payments towards my auto loan until further details as to the initiation and implementation of the ( Pandemic Assurance Unemployment Benefits ) for Texas unemployment recipients due to the Covid-19 Pandemic On approximately XX/XX/2020 I attached and text a copy of my Work Search Notification Suspension Letter from the Texas Work Force Commission suspending our requirement to search for work due to the Covid-19 Pandemic as well as my Statement Of Wages and Potential Benefit Amounts to prove my unemployment status thus placing me eligible to take advantage of the protections afforded to me by the Cares Act of 2020 never the less the Finance Manger for CNAC / J.B BYRIDER located on XXXX XXXX XXXX XXXX in XXXX, Texas only be known to me as XXXX still had the account placed in collections as well as added additional late fees along with extra finance charges to the remainder balance on the account
|
| 03/22/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. After that I sent you the attached letter and I never got a sufficient response. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all papework you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am.
1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account.
2. I also want to know who is the original creditor?
3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to.
|
| 08/22/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
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I neither affirm, nor deny this purported debt, you claim I owe your company {$4600.00}. On XXXX XXXX, XXXX, I contacted CNAC regarding the Credit Entry made on my credit report. I returned the vehicle to XXXX XXXX on XXXX XXXX due to several on-going issues and the engine blowing on XXXX XXXX as a voluntary repossession. When I finally was able to speak with someone regarding this debt and asked if I can do a settlement, I was told yes I can and they would transfer me to the Settlement department. When I spoke to the person in the settlement department at CNAC, I was told by them that they no longer owned the debt and it was sold and they could n't offer me a settlement due to they no longer owned the debt. I asked them why their making entries on my credit report as if they still have ownership of the debt and they told me that they can legally do that even though they do n't own the debt and ca n't offer me a settlement. I have reviewed my credit report from all XXXX credit bureaus and found that the entries made by CNAC inconsistent and possibly fraudulent throughout the last years. I also noticed that CNAC never updated my credit reports when I first purchased the vehicle of payments that I made, they only updated it with negative information. I was told when I purchased the vehicle that they help people build credit and they report to all XXXX credit bureaus monthly of payment, which is n't true. I also notice the first week of XXXX, after speaking with them on XXXX/XXXX/XXXX that CNAC removed the account from XXXX and then add it back on, as well as update all XXXX credit reports status as Volunteer Repossession, which was never listed until the week of XXXX/XXXX/XXXX. I have also sent a letter to them addressing this issue, please see attached.
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| 02/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
Servicemember |
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Originally, I financed a XXXX XXXX accent for {$13000.00} in XXXX of XXXX. The company is CNAC/JD Byrider. I was in a bad financial situation and at the time, could afford the car. The car is valued at {$3000.00} per XXXX. I have had numerous harassing calls and emails ( 2-3 ) times each. The company, CNAC, has sent someone out to my house one a week for the last three weeks banging on my door, sitting in the driveway honking for 5 minutes straight. In addition, they call each of my references each day of the week 2-3 times. The staff has been unreasonably disrespectful each time I call. I am paying for some sort of collateral insurance every two weeks with adds an additional {$100.00} to the car payment although I have full coverage insurance on the car, which was submitted to them months ago. I am paying $ 430 monthly, about {$210.00} biweekly, for this car. They've threatened to repossess it numerous times. I will explain a situation and they refuse stating " there is no grace period. '' I changed jobs in XXXX of XXXX and informed the company of my new payment schedule. They never changed it. They attempt taking automated payments out of the account without my consent. Prior to the XXXX manager switching, I never had this problem. I would call on the due date of the car and make the payment. This company has taken too much money from me and harassed myself and family members. I recently left my place of employment and begun looking for a new job. Still, this company continues to harass every day. They are far more concerned with money rather than the consumer.
I have paid around {$3500.00} on the car, yet somehow owe {$12000.00}. The interest rate is far too high on the car as well. It is getting to the point i will not be able to make payments.
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| 07/27/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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A representative fraudulently took money out of my account without my authorization. I did not give permission to take my payment out nor was I set up on auto draft. I was not past due and when I pay I have to give my expiration date and XXXX XXXX along with my billing zip code. Also the amount taken out was manually entered because it was less than my normal bi weekly payment of {$190.00}. The amount taken was {$180.00} on XX/XX/2015. I was called several times that day and sent email from cnac. A customer that is current should not be harrassed like this. I call XX/XX/2015 and was placed on hold while a supervisor reviewed my account for XXXX minutes then hung up on. When I called back a was transferred to supervisor " XXXX '' whom used abusive collection tactics for a customer calling about fraudulent activities on an account. He would n't let me explain my concerns and was extremely unprofessional. He said I owed the payment which made me feel this is okay for CNAC to process my payments without my authorization and choose whatever dollar amount. Had he handled the call as a member of management would I would have not filed a complaint this. Furthermore " XXXX '' said he would refund my money but started to collect the money right back! Saying I am 3 days past due so I need to pay him. I do n't feel comfortable with my loan being with CNAC and representatives just take money out of my account just because they have access to it to obtain personal and company goals. I also advised the supervisor that I may have to file a CFPB complaint to amicably handle this matter and he said, " SO '' I can understand an error but this is someone fraudulently taking it upon themselves to run my payment. XXXX did n't seem to think this was a serious offense.
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| 04/05/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I signed a contract with a car agency on XX/XX/XXXX and it started on XX/XX/XXXX, and it was supposed to end on XX/XX/XXXX. The company thats is financing my vehicle never sent me a letter in the mail stating that I had 30 days to dispute the debt that they say I owe and it wasnt listed anywhere in the contract that I signed with them. I sent them insured mail with a green return receipt, I sent them a letter on XX/XX/XXXX stating that I want to dispute the debt. In response, they sent me a copy of my contract on XX/XX/XXXX. Then I sent them two letters of insured male on XX/XX/XXXX. One letter was a letter of Cease and Desist, they later contacted my co buyer saying that I breached the contract and that they would repossess my vehicle by XX/XX/XXXX. if I dont pay the debt. The second letter was an invoice stating : According to XXXX XXXX XXXX Civil Liability, this agency has an obligation to pay me for failing to comply with any section of the Fair Debt Collection Practices Act.
According to congress, the Finance Charge is considered the sum of all charges. 15 USC 1692h Multiple Debts was violated when I was charged for more than just the Finance Charge. The Finance Charge was {$4900.00} cents, but I was also charged for a total sale price of {$16000.00} cents. This is a fine for {$1000.00}.
15 USC 1692g Validation of Debts was violated when I sent there agency a letter on XX/XX/XXXX stating that I wanted to dispute the debt and they responded by sending me a copy of my contract instead on XX/XX/XXXX. This is a fine for {$1000.00}. And that is when they contacted my co buyer saying that I breached the contract and that theyd repossess my vehicle by XX/XX/XXXX. Is there anyways that you guys could assist me on this predicament?
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| 03/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I have been disputing this issue for over a year now with CNAC. Initially it started with an inaccuracy of a missed or late payment of 30 plus days in XXXX of 2020. So I began by contacting the dealership where I bought the car numerous times over a 9 month period, by phone and in person. I spoke with the financing departments manager. Then the sales manager, and the store manager. Each time I was reassured they would contact the corporate office and speak with one of two people " XXXX or XXXX '' whom deal with credit reporting only to have no resolution of the issue. Finally I asked for the the contact information to the credit reporting department. About a week after speaking with them my credit report finally reflected accurately. Then a week later it was back on my report as a late/missed payment of 30 plus days in XXXX now. Next I spoke with a woman named XXXX from corporate whom spoke with someone and had XXXX 's inaccuracy removed only to have it return again a week later as a late/missed payment of 30 plus days in XXXX. Where it has remained through 5-6 separate disputes to my experian credit report over the past 3 month 's, 5 of which were online. I provided proof of my payment history to XXXX which I was given by CNAC which clearly shows, at no time during any of the months in question was I 30 plus days late. My latest dispute I called XXXX and filed a dispute over the phone with a customer service representative in order to clearly explain myself. Each time I disputed this issue either online or the last over the phone. I have had the same outcome. " The creditor in question states that the information they provided to the credit agency was accurate and would not be changed at this time. ''
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| 12/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Endless issues with this company : - account manager hardly assisted when i needed help with my loan due to illness.
-after i realized i couldnt afford it i voluntarily surrendered and dropped off vehicle myself.
- account manager ran my credit AFTER i was no longer in possession of the vehicle and she didnt have my permission nor right and just ran it at her own decision.
-after it ended up on my credit years later i reached out to take care of the difference and they informed me i couldnt make payment to them and referred it to a third party collection but let me know that once the collection was paid the third party AND CNAC would come off my credit entirely and the third party and after arguing with them it was removed ONLY TO BE PUT BACK ON MONTHS LATER DROPPING MY SCORE 75 POINTS.
-called back and they informed me that they have no authority over credit bureau and i need to contact them which i have as well as disputed it and every time the bureaus send my dispute over they deny it and the bureaus leave it on there.
-called and spoke to manager XXXX and she informed me she would look into this and how to get it taken care of. I call back as i hadnt heard any updates only to be told she is actually not in and wont be as she is on vacation for the entire week.
-I am getting the run around and no one is helping me and they not only violated my rights by running my credit but they also lied to me about it being removed and now they are not helping me or answering my questions and no one has called me back. This company is manipulative and lies and just passes the buck and i need it resolved ASAP before I take legal action on the matter.
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| 09/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I've recently disputed late payments that was inaccurately reported by J.D. Byrider that caused my credit score to plummet. The XXXX XXXX XXXX XXXX XXXX not XXXX XXXX which is one of the deceptions, was reported stolen and never recovered XX/XX/2019.I 've never missed a payment and was never late, however XXXX allowed JD Byrider to report inaccurately without conducting a thorough investigation to which once discovered JD Byrider should've been blocked from reporting inaccurate information.Instead XXXX allowed re-insertion of an incorrect charge-off which is false, this is willful non-compliance which is a direct violation, the account should show paid as agreed.JD Byrider illegally marked up the value of the vehicle, without my knowing, triple the amount of the vehicles value.I was cohersed to believe the vehicle would be covered through their insurance, which was incorporated in with the monthly payment as also any repairs through them, which was all a gimmick.The vehicles transmission went out 120 days after the purchase which I had to have towed from XXXX to XXXX Tx . The vehicle was not repaired correctly which led to another break down in XXXX Tx which led to vehicle being reported stolen. This company was sued by Attorney General XXXX XXXX of Massachusetts for the same predatory practices that they're doing in Texas and won a XXXX dollar settlement.The value of the vehicle was deemed {$6100.00} which I thought the purchase price was {$13000.00} which was deceptively placed at $ XXXX.This company has caused substantial and long term damage to me as a consumer with no compassion or relief as to what I am experiencing, a total rip-off!
|
| 12/19/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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|
Web |
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On XXXX XXXX I signed a loan with CNAC XXXX for a car loan - later on this car was totaled - we fought the company on paying off the remainder of the car loan ( {$5100.00} ) - the car company ( JD BYRYDER claimed we did not pay for GAP insurance even though this payment was collected at the time of signing the car loan. This company never budged on paying for the car so we initially took a hit and stopped paying on the loan- which caused this account to be closed and wrote off as a bad debt for the remaining balance on XXXX XXXX ( {$5100.00} ). This account should have then fell into collections. IT DID NOT. INSTEAD, it looks like a new loan was opened Fraudulently, without my knowledge on XXXX XXXX for the balance of {$5100.00} AS A NEW LOAN through XXXX XXXX XXXX. This account was then closed XXXX XXXX for the same balance ( {$5100.00} ) because no payments were being made as I was unaware of the account being opened in my name under my social security number. There is now a collection agency attorney trying to collect this debt from me via XXXX XXXX XXXX which is the account that was opened as a new loan without my knowledge or permission. This collection agency is XXXX family members of mine at their permanent address which I do not reside at ( most recent was XXXX XXXXXXXX XXXX XXXX XXXX ) - not acceptable. I need this reviewed and taken off my report as it was opened fraudulently.
CNAC XXXX IS THE ONLY ACCOUNT I GAVE PERMISSION TO USE MY PERSONAL INFORMATION FOR A LOAN. Which should now be in collections.
MERCHANTS FINANCE DID NOT HAVE MY PERMISSION OR ACKNOWLEDGMENT TO OPEN A NEW LOAN ACCOUNT FOR THE BALANCE OWED TO CNAC.
|
| 09/28/2020 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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|
Web |
Servicemember |
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in the month of XX/XX/2020, i changed my XXXX XXXX XXXX XXXX account and debit card information. after i was compromised by identity theft and someone using my card information to debit fund out. my last car note payment to cnac, jd byrider in XXXX, sc. was made following that month. i informed them i am no longer doing auto debit/draft pay.
my compromised account and change of employment.
this information was written down or verbally heared over the phone.
then in the month of XXXX. i called in to do my payments with a new debit/credit card number. i informed them not to retain my card information for use an any practice. i shall only call in and authorize payments. the next payment in XXXX was automatically drafted out of my bank account. without my authorization and notice.
i noticed this happened on the last week of XXXX. without my knowledge. i contacted my bank to investigate the charge and dispute. my new card was placed on freeze and any activity without my authorization would not go thru.
CNAC company attempted over 6 times to remove funds from my bank account without my knowledge. In XXXX, the days of the XXXX, XXXX, XXXX, XXXX in the amounts of XXXX, XXXX and XXXX dollars were attempts to debit my bank account. using my card number given to them before. the card number given to them was not set on auto pay and was not made to be retained for any purposes. even to pay a car note without my call in and authorization.
i looked up on the FTC website and south carolina website for laws ruling how to handle disputes over compromised accounts and breach of trust.
it its illegal what they did and attempted to do.
|
| 08/07/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I requested a payoff of my husband 's ( XXXX XXXX ) vehicle from XXXX Credit card company to CNAC on XX/XX/2020 in the amount of XXXX. I check from XXXX was mailed to CNAC on XX/XX/2020. The transaction cleared my account on XX/XX/2020. On XX/XX/2020 I received a call from CNAC that the check had not cleared and that it returned. I was then asked to pay the total balance of {$7100.00} in which I refused due to me actively making payments on that same amount with my Credit card company. With CNAC on the line, I called XXXX rep who stated check had been cleared and cashed already, CNAC rep stated the check returned and a new one would need to be submitted. XXXX did not agree so they did not resend payment, but they did mail me a copy of the check that was sent out to CNAC. CNAC also mailed me a copy of the returned check letter that they received from XXXX XXXX XXXX. When speaking with both companies as well as XXXX XXXX XXXX, no one can seem to account for the missing funds. In the meantime I have been responsible for paying both XXXX credit card AND CNAC, in which I can not afford to do. It has been 3 months now and no one can tell me where the money has gone. I have been battling with both companies to help me resolve this issue and it has yet to have a proper resolution. There is no way neither XXXX, CNAC, nor XXXX XXXX XXXX can tell me where the money is. I need to fix this asap as this will start to affect my husband and I credit reports, because if I don't pay XXXX they will report and If I don't pay CNAC they also will report. I am literally stuck between to companies who should be able to easily remedy this but has not.
|
| 07/19/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Denied request to lower payments
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|
Web |
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So when we purchased the car back in XXXX it already had issues like the car kept overheating. We took it to them because we had just got the car they supposedly fixed it but it has continued to overheat. But Last year me and my co buyer split ways and I was left with the payments I let them know that I was now responsible for the car and to see about changing the payment dates to work with when I get my XXXX check. I cant work due to XXXX XXXX XXXX they said it was nothing they can do because I had already signed a contract. So the car then got repossessed. I eventually got it back I paid almost XXXX bucks to get it back. And ever since then I have still been paying it but I am a few days late because of having to work odd jobs. I only get paid once a month and they call and be harassing me saying they are going to come get the car I have paid every payment it might be a few days late because like I said I only get paid once a month but it gets paid. Now the car is having Cylinder 3 misfire and engine issues. I believe deeply in my heart they sold me a lemon even when we first got it they tried to charge us for things that shouldve been done before yall sold someone a car. I have children and this is my only means of transportation to get them back and forth to daycare so I can deal with my health and try to make extra money on the side. My payment is due every two weeks and so say my payment is Friday by Sunday they are threatening and harassing to come repossess my car. I have been having issues with this car lot since we got the car and I know others as well.
|
| 03/05/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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|
Web |
Older American |
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Byrider Financ, LLC XXXX XXXX XXXX.
XXXX, OH XXXX On XX/XX/XXXX I purchased a XXXX XXXX XXXX from the above company, with the understanding that I was buying it at fair market value, But 3 years 7 months later they still say theis is close to {$3500.00} still owed on the car and I've been paying {$170.00} every two weeks since the loan was taken out, On XX/XX/XXXX They repossessed the car they financed On XX/XX/XXXX I paid what was owed at the time of the repossession plus two weeks in the amount of {$1000.00}.
After the money was received I was given a phone number of a towing company which would not take my call saying their lot closed at XXXX XXXX XXXX. So I have been unable to contact the lot where the car is suppose to be.
They sent me a receipt for the payment on XX/XX/XXXX, stating that it would be at least 7 days for the car to be returned. That was in order for them to put a tracing device on the car so they can keep track of where the car is. I am pretty sure that they already had a tracing device on the car or how would they have known where the car was when they repossessed This was my only way back and forth to work and I have had to rely on someone to get me back and forth to work for the past three weeks.
They did not give any for warning they were going to come and get the or I would have removed several items of importance to me from the car.
Then on Monday, XX/XX/XXXX they e-mailed me to let me know that a payment was due on XX/XX/XXXX. I feel that this was very inappropriate as the car is not in my possession yet they want a payment.
|
| 04/16/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
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Web |
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I signed a contract around XXXX, 2013, out of mostly desperation for a car. Not fully understanding how much i would come to regret this decision along with thousands of other people. First off i was told over and over before signing paperwork that never would the contract go over 3 years. 2 nd thing is im finding out is that the company is known just for selling pieces of rebuilt junk its even worse then the typical buy here pay here place. They pretty much threaten and bully u about the trash they sell and pull at this company so called suppose to help u with credit. If not just for my sake but for thousands of others XXXX needs to be shut down everywhere. It should be against the law to take advantage of people in bad situations charging over XXXX dollars for car that most are not even worth XXXX blue book value. I feel very ripped off and in something that i cant see a way out of thet have received payments from me for over 2 years the transmission is now about to go out any day now amongst other serious problems and after looking through my paperwork im finding out 3 years is more like 4 years. I would really like if this company can be brought to light for me and thousands more. I can not seem to get out of the negative equity and all the payments i have given them also being threatened about credit or being sued for the money owed. This company should not be allowed to continue to keep taking advantage and praying on people in this way they are complete rip offs and should be stopped for good. Plz help i need a way out!
|
| 05/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
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As of XX/XX/2023 my vehicle was sent to the body shop for repairs. Once the repairs are done, my finance company ( CNAC ) will not sign off on the insurance check because I will not agree to put new parts on the vehicle because it was sold to me without new parts. At this time they are holding my car and the insurance check issued to me. I will not put new parts on the vehicle as it was sold to me with damage to the bumper ( approx. 2 inches of the top left corner of bumper on passenger side was already not attached, also the paint under the front vehicle tag was already peeling ). I feel as they are trying to make the insurance company pay for replacement parts because they are paying for it and they didn't put on replacement parts before selling me the vehicle. I would like the company held liable for fraudulent information and unethical practices with the customer ( Me ). I fixed the retainer clip and replaced the headlight as what was damaged and they are making more items just so the other persons insurance company can pay for it.
Also the body shop has already done the work and CNAC finance company XXXX XXXX XXXX XXXX XXXX doesn't want to pay them for the work they've done. they are applying alot of shady practices. All involved is the General manager for XXXX XXXX JD Byrider location, XXXX XXXX XXXXaccount rep, also XXXX - Account mgr.
I was informed by the insurance company that it was my decision where to get the repairs done and if the repairs are done and CNAC/JD Byrider is not following those guidelines.
|
| 03/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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I got a car from XXXX XXXX XXXX and was sold a lemon when I first got the car. It went hot I paid to have it towed in to them to get fixed and 3 days later it started running hot again. They never did fix I had to ride around with water in my car until I could pay someone to fix it. I wrecked the car while driving it the front end fell off and I hit something come to find out they sold me the car with the front end zipped tide on to the front of the car I knew it was loose and asked them to fix but they never did when the car was wrecked I called them because I had insurance in it through them plus warranty and they never did send anyone out or have it towed the car sat for almost 2 months until my apartment complex had it towed now they have it on my credit report as a repo instead of it being wrecked I had no AC or heat they never fixed it the horn went out the door wouldn't open with keys I was sold a overpriced lemon and its not right and I had warranty yet they still didn't fix after it was wrecked after many calls and emails that I sent I gave up they didn't care the car was not a repo the car was wrecked and they never fixes it like they promised the car sat for almost 2 months they sold me a lemon I have pictures of the damaged car and emails that I have sent and screenshots of all my calls to them yet they never sent anyone to look at the damages or call me back or even send a tow truck. Now they have me down as a repo on my credit report making my score go low and unable to get another car.
|
| 07/30/2022 |
No |
- Payday loan, title loan, or personal loan
- Title loan
|
- Can't contact lender or servicer
|
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Web |
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On XX/XX/XXXX, my husband and I went to XXXX in XXXX XXXX, MD to sell or trade in our XXXX XXXX XXXX. We showed them the title and receipt that car had XXXX balance owed. However, the title we had still showed CNAC ( Carnow Acceptance Company ) listed as a lien holder. We were instructed to go to them and request a Lien release.
On the next day, XX/XX/XXXX, we went to XXXX XXXX where we had purchased vehicle in XXXX.
In XXXX, the car was paid off by our insurance company, ( XXXX ) due to an accident. They ( CNAC ) said that they had to turn over the Title to the insurance co. since they were the ones that paid balance owed on car. After accident, we paid for damages out of pocket and kept car.
Now comes time to get rid of car in XXXX. We were told to contact XXXX. Which we did. On XX/XX/XXXX, spoke with XXXX customer rep who said i needed to contact the persons that was assigned to our claims. They were XXXX XXXX XXXX ( Adjuster ) and XXXX XXXX XXXX. XXXX XXXX said that he was not the right person to speak with because he does not handle title concerns. When we spoke with XXXX XXXX, her response was that CNAC never sent XXXX anything and she is not able to help other than send me copy of payment sent to them. We are getting so much run around and would like to resolve this issue quickly so that we can officially drop the car from our insurance. XXXX also has no record of payoff.
Thank you so much for your prompt attention to this matter.
Sincerely, XXXX & XXXX XXXX
|
| 07/26/2017 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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I voluntary surrendered the vehicle in XX/XX/XXXX. At that time I requested a copy of my entire file with the company including the amount that the vehicle was sold for. I was told by the manager XXXX that I could not have any documentation relating to the vehicle. I called the office again and this time spoke to XXXX who managed the payments at the front office and was told that I would have to speak to a manager who should be able to get me the information. I was informed again that I could not have any paperwork including the resale price. I no longer had any contact with the company. As I am repairing my credit I reached back out to the company XX/XX/XXXX and this time I believe that I spoke to XXXX who informed me that he could not produce any paperwork since the account was so old and his exact words to me were " dispute this item on your credit report. '' I disputed this item XX/XX/XXXX and in XX/XX/XXXX after no activity since XX/XX/XXXX they have misrepresented on my credit report. 1st error - it is stating repossession and it should have stated voluntary surrender. 2nd error - they have stated that a payment of {$240.00} was made - I have not made any payments on this account. 3rd error - they stated that the vehicle was refinanced/renewed which is simply not true. This bank/creditor is known for their deceptive practices. Please investigate and remove from my credit as they are not providing correct or accurate information. Thank you kindly
|
| 04/13/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Shopping for a loan or lease
|
|
Web |
|
|
Good Night, My name is XXXX XXXX. I am financing a XX/XX/XXXX ford XXXX with XXXX XXXX in XXXX Fl. The branch in XXXX recently closed down so we have been dealing with the francise in XXXX for payments. On XX/XX/XXXX called to make my biweekly payment. My sister and I typically split the bill in half. XXXX was the agent I was dealing with that evening. I asked her to verify if a card was in their system as she verified I realized she was asking if I wanted a confirmation email. She had already charged the full amount to the account and on a card that I did not verify. When I told her that her response was rude. She immediately began to blame me for being at fault. She was very unprofessional and unapologetic. She even hung up the phone on my sister and I when we called back to find out what she could do to fix this inconvenient error. We then called back and spoke to XXXX hoping he would provide insight on how to file a complaint and get in touch with headquarters so that the recorded phone call could be reviewed. He told me that he had no contact info and that they were corporate. He started telling me that he heard what happened and that I was at fault for the situation at hand. I am frustrated at the customer service I received that day. I have contacted BBB, FFR, and the Fl attorney general. I dont feel I should be stuck doing business with a company that has no respect for me and such callous disregard for mistakes made to customers.
XXXX XXXX
|
| 08/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I purchased this car in XXXX. I was in a severe accident shortly after. Insurance paid majority of the balance. I attempted to settle with the company and make payments for the difference. They were not transparent in how to do this, I got different amounts from different people. It was all very shady. In XXXX, they offered me a settlement amount. Their email went to the junk folder and I was never mailed a paper version or contacted. I was under the impression everything was okay. I responded back to this email in XX/XX/XXXX when I saw it and heard nothing. They had not been reporting negative payments to the credit bureaus so I truly did not know anything was wrong. I later was informed the balance was not settled and was showing as a charge off. I contacted them to settle the debt. I settled the debt last month and they reported 20+ months of late payments. I would have paid this a lot sooner and not allowed damage to my credit if they had been reporting accurately. I have attempted to call in. The agents are INCREDIBLY rude. They interject, dont listen. Im not permitted to speak to their reporting department and advised Ill be sent a letter. Its been a horrible consumer experience and they ruined my credit when I was making true efforts to pay them. It is very unethical to not report accurate and timely data to the credit bureaus. I have provided them payment and closed the account. My only goal is to have the derogatory remarks removed.
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| 02/02/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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i missed 3 payments called to notify the lender CNAC that i was in a accident and iam on leave from my employer they stated is there anyone else you can barrow to make a payment you are 40 days behind i said iam aware of that and you guys are not calling me you are calling and harrassing my references non stop and that is against the law in XXXX when it comes to any type of collection the CNAC STATED to me that if i do not make a payment of XXXX my car will be repossed i stated i informed you guys a while back made you aware of my situation you stated i have exhausted all the assistance you can provide and ask me to make a payment now i asked to refresh me on the contract that i agreed to and stated what help and or assistance CNAC provided my account with i was told that is confidential i did make a payemt of XXXX and made arrangements for the XXXX my payment schedule is XXXX every 2 weeks i did let them know 3 times i am on emergency medical leave due to a car accident and i need to defer these payments to the end of the loan while i heal and get my medical treatment i then was asked cant your employer barrow you the monies i said excuse me no i stated i do not now iam going to recieve a income pending the doctors evualuation and reccommendations i was put on FMLA LEAVE for 3odays pending my follow up now ineed injections and possibly surgery CNAC calls non stop wont assist and harrasses to repo my car
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| 02/08/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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The contract between that I signed with XXXX XXXX XXXX ( XXXX/XXXX XXXX ) is void because I did not not consent to giving them Irrevocable Power Of Attorney. The contract is blank without a duly executed date, no witness. Nothing has been sworn to, subscribed or any acknowledgement of date. The Notary Signature does not appear of the document, and there is no date of commision. What County? What State? XXXX XXXX XXXX/XXXX XXXX gave me back the document without my wet ink signature. The signature on the document is a scanned copy of what looks like an exact replica of my signature, therefore fraudulent. It was a quick process, in getting the paperwork done, where they cashed in on my signature, therefore making securitization illegal. Numerous times I have brought this to their attention where both corporate and the franchise office ignored my complaint, calls, and all mail correspondence. They also ignored me when I requested a W9 so that I can properly file my taxes for all out of pocket payments. The forms 1099 A and 1099 OID allows me to do that according to IRS publication 1212, 26 USC 1271 ; UCC 3-419, 26 CFR 1.671-5 ( c ) & ( d ), loans - 26 USC 1273 & 26 USC. Since we can not pay a debt with a debt I have discharged the loan under UCC 3-603. I would do a Notary complaint, but there isn't any information for me to pursue. XXXX XXXX XXXX/XXXX XXXX did not have a Notary present.
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| 08/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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Attention JD BYRIDER, My name is XXXX XXXX And I BROUGHT a XXXX XXXX XXXX and have been making monthly payments direct deposit TO CNAC and I made the Payment for XXXX, XXXX and XXXX and CNAC employee claims that XXXX XXXX XXXX didnt pay CNAC And I have my bank statement as proof I paid my vehicle and told me my car I DRIVE could get repo and this is an internal JD BYRIDER SCAM and my XXXX XXXX XXXX bank statement will prove this for 3 payments of {$430.00} paid for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX from the beginning of this Sale the Saleswomen sold me a Lemon and the SUV had a Bad Computer system and Catalytic Converter and bad brakes with a state inspection sticker. I want this sale non-void and Nullify and invalidate this Criminal Sale of a used car and tricky me to buy the XXXX XXXX XXXX XXXX with full Knowledge of the Vehicles condition and just made this Lemon Sale to me and charging me {$430.00} a month for A worthless SUV. the Vehicle is still with a Malfunction of the SUV computer system and no brakes and now the SUV Transmission is slipping to top off the Lemon Deal and I mainly use my Vehicle Purchased with VA Compensation Funds and use the SUV to go to all My VA appointments because I am XXXX XXXX XXXX and I explained this situation To the Saleswomen and I have been Ripped off by JD BYRIDER AND CNAC Company and I demand my money back.
I Remain, XXXX XXXX
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| 09/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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XX/XX/2021 I purchased a vehicle from JD Byrider. I was informed that I would need to put {$1000.00} down. I ended up putting {$1200.00} down for down payment and have been having issues with the vehicle since day 1. I was promised a reliable vehicle and that is not what i have gotten. The vehicle has been in their shop every week since purchase. My ac and heat has not worked multiple of times ( Ac actually stopped working 2nd day of purchase along with check engine light coming on ), car was overheating, there is sound of water under the hood, coolant filled back floorboard after they " fixed the heating cord '', AND THE MOST IMPORTANT DANGEROUS THING CAR HAS SHUT OFF ON ME WHILE DRIVING 4 TIMES. I dont mean sitting at stop light or stop sign. Foot on gas and car cuts off. They told me that they would pay off that vehicle and place me in something else. Cnac ( Finance company ) stated that I needed to put another {$500.00} down for a new vehicle. Manager stated he would work around down payment and on XX/XX/21they started backtracking. I am still without a vehicle as of today XX/XX/2021 and have been without one for a month now. They haven't even reached out to inform me on what's going on with the vehicle or even tried to make the situation right by putting into a rental until fixed, but yet the finance company is calling everyday for a payment on a car that im not driving.
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| 05/21/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I was in XXXX and was in the market to get a vehicle. JD Byrider/CNAC sold me a Scion XB I fully disclosed that I live in XXXX and would like to have it title there. They told me that they could not get me a XXXX title but I can get it transferred once in XXXX. I agree to the transfer the title. In XXXX title are electric I went to the DMV before the XXXX tags expired I was told that I could not transfer because CNAC was not a registered lien holder with XXXX. Over a month of calls, I have also told them this issue need fixed no later then 2 months if not fixed the car would no longer be licensed. I was told that everything was fine again the DMV to find out they did not put a address for there business so the DMV still Could not title the vehicle. Called CNAC they called us a liar and informed them that this need fixed in 2 week. I drove the vehicle to JD Byrider in XXXX they could not take the vehicle because they are the same company but different branches and could not take the car. Called CNAC to inform then that I will no longer pay for a vehicle that ca n't be titled and that they can come and get it. Vehicle is still in my yard, CNAC breached contract and due to not having a vehicle as agreed I had to stop payment. Now they are falsely report to the credit reporting companies, I would make payment if I had a vehicle that they was not stopping me from driving
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| 04/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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I had applied for an auto loan online on XX/XX/21. Upon furnishing all requested information, including photo identification, proof of residency and proof of income, I was advised I would be contacted " shortly '' by XXXX to discuss the financing. Upon not hearing from " XXXX '', I messaged XXXX ( Sales Rep. ) and received a voicemail message indicating my application was denied. That same day, I messaged XXXX to confirm I would receive an adverse action notice and was assured I would receive one.
On XX/XX/21 I contacted XXXX XXXX, the person who sent me the the link to electronically sign the credit application ( XX/XX/21 ). I received a response from XXXX on XX/XX/21 indicating the notice had been printed and mailed. In addition, the message from XXXX asked me to confirm my address as the notice would be reprinted and mailed. It was the same as in the credit application. I had replied I would accept an electronic copy of the adverse action notice in lieu of the paper copy. I received no response to this message, nor did I receive the adverse action notice.
On XX/XX/21 I sent another email message to XXXX indicating I still had not received the adverse action notice. There was no reply to this message.
On XX/XX/21 I sent another email message to XXXX indicating I still had not received the adverse action notice and would be submitted a formal complaint.
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| 11/15/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
Servicemember |
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on XX/XX/2017 i was in a car accident with that vehicle and it was totaled due to the extensive damage to the front end.I purchased that vehicle inXX/XX/2017. The vehicle was towed to a police impound where the company picked it up and sold it for parts with all of my valuables in it as i was not able to retrieve my belongings from the vehicle such as my laptop and school supplies, my small tv, jewelry and etc. The company charged off the account while keeping the original balance intact while deducting what they actually received from selling what was left of the vehicle. The account was charged off after i was not able to continue making the same payments because they were bi-weekly and i was out of work due to the accident. They constantly harassed me for payment calling several times a day while even going so far as to rudely tell me to " go ask your family or do whatever you have to in order to make the payments ''. The amount that i was paying before the accident was {$150.00} bi-weekly and the total loan amount that is remaining and still reporting on my credit is {$7400.00} out of the original {$8300.00} and that was were my payments left off until the account was repossessed in XXXX after they got it from the lot and closed the account and sent it to collections then the debt was subsequently charged off in XXXX as it shows on my credit report.
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| 02/24/2017 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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The current issue just came to my attention when I attempted to get a loan and was asked about a charge-off listed on my account. I should not have had any charge-offs so after requesting my credit report I found that CNAC had reported this to the credit agency. CNAC was the holder of a car loan that was sold to another company who filed a civil suit. This went to mediation and the case was dismissed due to the alleged debt being the direct result of an illegal repossession and illegal communication of this debt according to GA law. The company did not sent proper notification under GA law. The illegal repossession and communications were done by CNAC at the time they first attempted to collect this alleged debt. These actions lead to the dismissal of the debt and was filed with the court. It has now come to my attention that CNAC is reporting this as a charge-off on my account when the debt was dismissed due to it being an illegal repossession and improper communication of debt. CNAC would not accept me telling them via a phone call this case had been settled and refused to acknowledge that this debt had been dismissed. This debt is an invalid debt and was proven as such in the civil case regarding this alleged debt. This is negatively impacting my credit and has contributed to me not being able to obtain credit on several occasions.
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| 05/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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CNAC - GAXXXX Reported : XX/XX/2019 {$10000.00} There is no contract, no valid claims ... account was settled with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
As per FTC opinion letter from Attorney XXXX XXXX. XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
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| 03/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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CNAC is a finance company in XXXX MI with XXXX XXXX. I have a loan with them from XX/XX/XXXX when I purchased a 2010 vehicle for fifteen thousand. As of XX/XX/XXXX and other numerous occasions, collections manager XXXX XXXX and account representative XXXX XXXX have misused my personal information and pulled my credit report either days before my car payment was due or two to three days after. XXXX says she does not know why XXXX pulled my report but she will ask her why. XXXX also stated the other credit pulls were " justified ''. I asked her how is using my social security number whenever they please and also without my consent, signature etc. justifiable and she did not reply. I have everything in writing emails. I refuse to make payments if I am going to be harassed for no reason and have my personal information misused and compromised. I still made the payments. I even put {$400.00} more to put me ahead on the next payment. XXXX " adjusted '' my payment and took {$100.00} out of the {$550.00} payment and put it towards their " cpi insurance ''. I do not have CPI insurance or proof of such so I am not giving them free money when my APR is already at 22 %. XXXX typed a Word document that has an Ohio company name on it. This company and its workers are a scam and a fraud and should not be in business whatsoever.
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| 10/13/2022 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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I started this contract with CNAC on XX/XX/2022. I initially started paying off the " taxes of the car '' on XX/XX/2022, biweekly. Then the actual payments started on XX/XX/2022. It wasn't until recently I realized that this company has been in violation of my consumer rights. This company have failed to furnish statements every billing cycle since the start of these biweekly payments. The only way I knew about being late was that this company would send me text messages, emails, or they would call stating I need to pay. I have reached out to the company via postal mail about this matter on XX/XX/2022, and have not gotten a response. Regardless of my attempt to rectify the problem this company still took possession of my vehicle. I even tried calling and the agent laughed and was rude and insured me that everything they were doing were within their rights and wasn't a violation of my consumer rights. Once knowing that this company were violating some of these consumer protection laws, I decided to look into what else this company were in violation of and found a couple more violations ( I will attach a list of the violations made against me in the files section ). After realizing I wasn't going to get anywhere with this company, I decided to write you guys in attempt to maybe get an answer.
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| 03/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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|
Web |
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This Rescission notice is made Pursuant to 15 U.S. Code 1635 ( a ), as I was never told I had 3 days to rescind the agreement. Neither was I given the notice that comes along with all consumer credit transactions. J.D. Byrider failed to clearly & conspicuously disclose all my rights as a consumer including but not limited to my right of rescission.
I participated in a consumer credit and not a loan ; Pursuant t
o 15 U.S. Code 1602 ( i ). Take further notice that Pursuant to 15 U.S. Code 1605, the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, which was never disclosed to me b
y your organization in direct violation of this law.
J.D. Byrider also accepted a CASH down payment of {$200.00} violating 15 U.S. Code 1605 which clearly states : The finance charge does not include charges of a type of payable in a comparable transaction.
Pursuant to 15 U.S. Code 1611 ( 1 ) ( 3 ) ; one can be fined up to {$5000.00} or face imprisonment for up to one year, or both, for giving false or inaccurate information or fails to provide information which he is required to disclose. In this case you, J.D. Byrider, willfully violated this law when you failed to disclose and provide all information clearly to me as a consumer.
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| 02/27/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
Servicemember |
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XXXX To whomever this may concern/XXXX, the XXXX XXXX ; I am returning this XXXX XXXX XXXX to you VOLUNTARILY. I have called CNAC, as you have instructed on numerous occasions, to update/change or modify my payment frequency from bi-weekly to semi-monthly. This car is valued at {$4000.00} if that. I have tried to get it refinanced, and you know no one will touch any of your vehicles being over-priced. As you instructed, yes, she ( XXXX ) stated that she can make the change, but why should she when everyone is on the same pay frequency. I am not everybody, I said to her. It is sad that XXXX/XXXX even tried to make the attempt, by stating that he was pulling up the form to make the change, on Friday XX/XX/XXXX around XXXXXXXX He stated he would call me back with the updated numbers. He never called back to say yes or no. I made the payment arrangement in lieu of them modifying my pay frequency. When there are more than 3 months in the year that I will get an extra pay. I do not expect to keep paying an extra car note, against my will. I am paying almost over {$600.00} every other month or the months that I get an extra pay. I asked over and over. You do not want to help so take your car back. I refuse to pay another cent.
This company is taking advantage of people.
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| 05/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I've spent so much cash getting my car repaired for the past two months just to find out its a recall on my engine. I ended up losing my job due to this! They are still asking if I can make payments!
How? I can't even afford a rental because I don't have the {$200.00} deposit! If it didn't require that, I would have been able to afford it!
I got kids! This is non sense. My car suppose to be fix by next wednesday. XXXX CONFIRMED IT WAS MY ENGINEEEEE! NOT MY FAULT!!
but i'm so far behind on my car payment its ridiculous!
It's not even my fault! All the money I spent on my car could have been used towards my car payment now i'm without a job. I certainly don't deserve a repo! The lady who sold me the car told me this was a great car, practically new. I get it! I had it for a year and the engine gone. The company should have known about the recalls because it was back in XXXX. They should have had XXXX inspect before selling!! I was on the highway when it happened. I could have lost control of my vehicle. There's already been a lawsuit in the past. I hate to even take it that far but they need to know what they are selling! My family is affected! I'm the sole provider of XXXX toddlers! A XXXX XXXX XXXX and a XXXX XXXX XXXX who go to daycare! I lost everything!!!
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| 12/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
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On XX/XX/2021 a vehicle was purchased from JD Byrider of XXXX in Ohio. This was done through a retail installment contract. Prior to the loan agreement being signed disclosures were not given for the cost of the loan ( finance charge and annual percentage rate ). JD Byrider also contracted for attorney fees which violates Ohio XXXX laws XXXX. The loan company was informed of this prior to payments being seized in order to come to a different agreement or settlement. Instead of coming to an agreement or settlement CNAC ( financing company ) used XXXX XXXX XXXX to Repossess the vehicle. Upon repossession XXXX dollars was stolen and to make matters worse XXXX dollars in wages were lost due to work transportation being taken. There's been several attempts made to contact the legal team through their registered agent. No one from the legal department has given an official response regarding this matter. There was a court case attached for reference regarding the issue of attorney fees in a retail installment contract which has been completely ignored. A copy of the Lien Affidavit for the vehicle as well as the full accounting ledger for debits and credits associated with the account have been requested and the loan company refuses to provide these things.
|
| 01/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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Hello, On XX/XX/XXXX I requested a monthly contract on my vehicle payment. The finance company CNAC asked me to provide my new insurance card by XXXX on that day and they would issue a new contract stating that my payments would be moved to a monthly frequency instead of bi-weekly. This arrangement was discussed over the phone with Account XXXX XXXX XXXX. XXXX, after receiving my renewed insurance card for the vehicle emailed a new contract via docusign for me to agree to the terms and provide a signature for my new monthly contract of {$430.00} Since then, CNAC have not changed my terms in the website portal and continue to state that I have a late payment due. I have never been late on any car payments. They never changed my due date in their system. I have received calls of harrassment and on Saturday, XX/XX/XXXX, I received a letter from CNAC threatening they would pursue actions to possess my vehicle.
I need legal help in this matter. I have a signed contract as of XX/XX/XXXX from the Account XXXX XXXX XXXX stating that my new first payment date is XX/XX/XXXX. This company have harrassed me every day for a week now asking about a payment. At this point it is a breach of contract. And I need EQUITABLE RELIEF.
Please assist asap!
Thank you!
|
| 08/07/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
|
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Web |
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I got a vehicle in 2010 around XXXX from jd byrider Cnac was the loan company well this was in Indiana and the vehicle had a warranty of 24 months or 24000 miles well we moved to South Carolina and I did not drive the vehicle I pulled it on a trailer got to South Carolina and the transmission starting to slip well contacted cnac and they told me to take it to jd byrider in sc well I did and the area I got the vehicle was a corporate office well in sc they did not have one so they were trying to charge me well cnac in Indiana told them no. So took it to XXXX Georgia got the same response want to charge me for a warranty repair so I told cnac this not right so the account mgr went to his supervisor and we can meet up with this they would pick up truck sale it at a auction and take the balance down to XXXX owed. I said ok, they got vehicle but could not get it out of tow truck lot I ask my account mgr what he wanted me to do and he ask if I could get vehicle out of impound lot I did well it cost me {$1000.00} to do so they say I owe them XXXX well they did not reimburse me nor remove the amount they got for the truck off let alone they were in violation cause they would not fix warranty repairs let alone remove any balance they promised me.
|
| 04/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
I have an auto loan that XXXX signed for in XXXX for my daughter. The car was repossessed in XXXX. I have tried to contact the company, CNAC on several occasions. The number that they pricier that is listed on my credit report, ( XXXX, is always busy. I spent a week trying to contact the number everyday. I looked up the company on the internet and called it, ( XXXX ) XXXX XXXX. I was told that they could not pull up the loan, and to call ( XXXX ) XXXX. I called that number and it was the XXXX. I was told that they handle loans for banks that have closed. the lady, XXXX, informed me to make a complaint, because she had received several calls from other consumers from CNAC. I was also given ( XXXX ) XXXX. It was XXXX XXXX XXXX credit card account. This vehicle was almost paid for. The amount they gave me when the repossessed it was {$3000.00} to settle the debt. But now, I have over {$7500.00} on my credit report. I am trying to contact them for a settlement credit. At this time, I have no way to resolve this issue with CNAC, and can not obtain a vehicle for myself with this late amount on my credit XXXX every month. Because it has been so long ago, and it was my daughter 's car, I have no loan information that I can provide.
|
| 10/03/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
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I received a car loan in XX/XX/XXXX. It was co-signed with an ex-boyfriend. In my stupidity, I thought that the split was going to be civil and we were going to help each other out. However, this was not the case. After telling me he would make the payments until I got on my feet, he defaulted on the payments and the car was repossessed XX/XX/XXXX. However, CNAC reported that there were late payments all the way up till XX/XX/XXXX. This was not the case by any means. I had spoke with the company personally and all I received were threats and no resolution to the problem. They refused to answer any questions I had or removed the incorrect information from my credit report. Also, they say a payment was made in XX/XX/XXXX and there was no payment made by me since XX/XX/XXXX. The gentleman I dealt with was extremely rude and just flat out hateful. On top of that I was emailed by the company with someone else 's personal information that included their name, address, birth date and social security number. When I called them very concerned that my personal information as well I was brushed off and was basically told they would not talk to me about it. They have done nothing to fix any of the problems that I have had with them.
|
| 05/25/2015 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
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Web |
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I was not able to finance a car through CNAC without a co-signer. I purchased a 2006 XXXX for {$5000.00} above blue book value ( {$12000.00} before taxes and interest ) due to not having a credit history, with a cosigner. I made all payments and on-time, I was never late. I had a life crisis and took the car back and it was a voluntary repossession. They then let my cosigner buy off of the contract, which did not credit towards the debt, and then sold the car at auction for {$120.00}, leaving me to pay {$9000.00} on the car still. I ca n't believe that there is n't a law preventing companies from " screwing '' someone this badly. I was a responsible borrower who kept to the payment plan exactly and when disaster struck, I tried to make things easier for everybody by taking the car back before I moved out of state, just in case I would n't be able to make payment. Not to mention, they told me that if my situation turned to the better before it was sold that I could pick it back up and continue where I left off, and I was able to make my next payment, but they would n't allow my cosigner to pick the car back up for me before they sold it, due to " the person managing the account is on vacation. ''
|
| 04/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, TXXXXX In went into XXXX XXXX XXXX to purchase a sofa set in XX/XX/XXXX, I had just purchase and my credit would not allow me to get another store credit card, however the sales person told me about the making payments each month until it was paid off.
Which I did, in XX/XX/XXXX I became ill and I reach out to XXXX XXXX and ask for the pay off amount a the amount was higher that the purchase price of {$990.00} it would be over {$4000.00}, I was in despair and request that they pickup and return, I was told yes they will call me and never did, as I went in for XXXX XXXX I continued to make the payments because I didn't want my credit to be damage, after recovering I call XXXX XXXX again and still no pickup, I contacted to main office still, this is going on now over a year. I have sent court documents and they were refused. this has no end now they have place on my credit report. I was reading up and saw that this? The Federal Trade Commission received 2,779 complaints about XXXX and XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX. More than 90 % cited aggressive collection tactics.how can a government office allow this to happen each day. why. I need help.
|
| 03/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
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Web |
Servicemember |
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In the years XXXX I entered a 2nd agreement or loan with J.D. Byrider now know as Byrider in the XXXX and XXXX area in the amount of {$13000.00} for a XXXX XXXX XXXX. The vehicle had to have it's door and window replaced from an accident and was deemed a total loss just as the previous car I purchased from them was deem ( for the back bumper needing to be replaced ). The company told me that they had gap coverage for the vehicles. I had no problem before the vehicle was hit but after the incident JDByrider claimed to not have gap coverage and now reports the balance on my credit report. After several escalated phone calls it was determined that they were not going to be amicable about the loan and their agreement.
When the truck was bought it was filled with red mud in the vents and carpet. Which was told by the salesman to have been worse than what I was seeing when it came in.
Within a month of having the vehicle the transmission went out on it so I feel like they felt as though they would get more out of the vehicle by taking it back and reselling it themselves. While I the consumer, a single mother, who trusted them, reaped the re-processions of dealing with them years later.
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| 11/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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| 06/05/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- High-pressure sales tactics
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Web |
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During the initial interaction the sales representative provided one set of information and during the closing everything changed and the representative never properly explained the changes. My Ex girlfriend was the primary borrower and I was told I had to sign the documents however it was never my intent to be on the loan. The vehicle she signed for I advised her against because the price was more than double to book value and there were immediate problems with the vehicle that they refused to fix as the sales person stated she should have looked at the vehicle immediately. They took advantage of my ex and XXXX me into being tied to this train wreck of a situation. This is affecting my credit and preventing me from financing my first home all over a loan I never wanted to be a part of and did n't realize was being tied to me. I simply want this removed from my credit and I will let the rest of the problems we have go. If this is not taken care of I will be forced to pursue legal action against CNAC and JD ByRider 's corporate offices. I am also formally requesting the original signed contract and the personal information of the franchise owner to file a personal suit.
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| 03/30/2015 |
Yes |
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- False statements or representation
- Indicated committed crime not paying
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Web |
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Sold me a vehicle, insisted an insurance payment was included in the payments for the vehicle, continues to collect money for it wo n't provide a policy number, also " guaranteed '' me that it was in tip top shape, and that all needed repairs were seen to before the car made it to the lot, I have put 800 dollars in repairs in 5 months for things I was told were already repairs. I had taken the vehicle to the service department on multiple occasions, was told nothing was wrong, only to be inspected by a licensed third party and fail insurrection for multiple safety issues, still shakes profusely at medium to high speeds, I returned the vehicle and they have contacted me XXXX times in less than a week, and have begun to text me on my personal line as well, they are attempting to force me into admitting it 's a repossession, rather than voluntarily returned due to being suckered into a contract under false representations of repairs warranty and insurance coverage being included and it was not. I was also told that every successful payment will be reported to creditors and not XXXX of them was ever reported XXXX, I was promised that it was a credit building operation.
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| 12/01/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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On XX/XX/XXXX, I went to the payment office at JD Byrider at XXXX, ohio XXXX. I have been a paying customer there for 3 years, I am purchasing 2005, chev cavalier. ( my payment was refused ) The total amount of my loan was {$12000.00} plus mis fees and interest. My loan is now under {$2500.00}. At this time I have been making double payments due to some missed payments in the past. The contract is written to pay {$180.00} biweekly. For the past several payments I have paid {$360.00} every 2 wks to get caught up. This day on XX/XX/XXXX I only had {$300.00} to pay, however, my payment was refused all together, I was asked where is the car they are coming to repo it. Due to the fact I have been making double payments in the past no payment no matter what amount I have should be refused.
I said so you are refusing my payment and the lady said yes we are reposing the vehicle.
Since I have purchased another vehicle, I am making 2 car payments a month totaling over {$600.00}. The reason I still have the car from jd byrider is because it is not worth what is owed and when I purchased my new car they would not take my car as trade in they stated not worth the hassle.
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| 10/25/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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XXXX Complaint XX/XX/XXXX I have had a loan with XXXX sinceXX/XX/XXXX. I changed jobs on XX/XX/XXXX. My paydates changed and I was now getting paid on the XXXX and XXXX of the month. I immediately contacted XXXX to advise them of the change in my paydates. I spoke with several employees there and was told to send then a letter from my boss showing my paydates and I would be fine. My loan still has not been adjusted.The paydates XXXX has me on shows my payments scheduled a week or more before my actual paydate. During some months with 5 weeks XXXX expect me to make a payment. How when I get paid semi-monthly. When I had extra money I had no problem making those extra payments. I don't have the extra that's why I asked to change my due dates. XXXX the Account Manager says repeatedly XXXX don't change dud dates. She continues to refuse to change it, but they consistently call me for payments and I hadn't gotten paid yet. I only have 1 year left to payoff my loan. Now this will be my 2 payoff auto loan with XXXX. I am only asking for my due dates to be changed to th XXXX and the XXXX ; witch are my paydates. Thank you for your assistance with this matter
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| 06/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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After having to leave the state of Colorado due to medical issues, my FMLA has denied and I found myself struggling to cover expenses. I called the car company and asked them to please come and pick up the car due to the financial issues. The representative whom had been very pleasant any other time that I had dealt with her, starting getting very loud and attempting to explain to me that they are not in the business of just picking up vehicles and I that I just need to find someone to borrow the money from. She continued to berate me to the point that I just had to hang up. After a month of multiple daily phone calls and continued threatening messages they finally scheduled a pick up of the vehicle. It has been a month and a half since they picked up the car and they are still calling multiple times each day, including Saturdays. I asked them to please stop harassing me that it wasn't helping the situation to be told that they would just continue to call until I gave them their money.
I get calls all day long from several different individuals. I haven't had the vehicle in almost two months and they will not sell the vehicle so I can settle the account.
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| 08/09/2017 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XXXX XXXX, XXXX the vehicle was returned to JD Byrider ( CNAC ) due to losing my employment and not able to keep up with the payments. The company then sold the vehicle and stated they will send me information on what was left and due. I emailed XXXX XXXX on several occasions from XX/XX/XXXX - XX/XX/XXXX requesting documentation with no response. I sent a letter back in XX/XX/XXXX requesting, contract, bill of sale, and additional information and it was ignored. I sent another letter in XX/XX/XXXX & XX/XX/XXXX requesting the same information and it was ignored. As of today, XX/XX/XXXX, I spoke with a XXXX at CNAC who basically told me that there 's nothing they could do. I would have to pay {$9000.00} in which that was the original amount of the loan. And I should learn how to pay my bills. I requested documentation and was told that they did not have to respond or give me anything as I am NOT a customer of there establishment. If they will not provide the original contract, bill of sale for when they sold the vehicle then why I am being held liable. They are reporting this a charge off to my credit DAILY but wo n't do anything to resolve the issue.
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| 08/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Back in XXXX, my daughter needed a car for her personal use and asked me to be her CO-SIGNER, based on my financial situation at the time, I agreed, knowing that I could make any payment if needed.
We went to a BUY HERE PAY HERE car dealership located in XXXX Florida.
My daughter pick a XXXX XXXX XXXX which was an used car. We did all the paper work and everything was okay.
Then in XXXX my daughter had an accident, and she hit a XXXX XXXX on the back, her own car the XXXX XXXX that we own few months previous the accident, DID NOT HAD AIR BAGS INSTALLED.
We took the car back to the dealership and explained the situation to them. They told us they will take the car back and they will sent us a letter saying the car was settled, because it wasn't our fault that the car did not have air bags installed.
XX/XX/XXXX I started disputing the account on my credit report and asking the dealership to sent me all the information they have about the car including the remaining balance on the account. I haven't received any response, I asked the credit bureaus for VALIDATION.. not answer.. they also keep validating the account without sending me proofs.
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| 09/15/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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My wife and I took out a loan with CNAC finance XX/XX/2016. The payment is due twice a month ; the XXXX and the XXXX. We bank in another state and my wife employer does not offer direct deposit. The bank takes two business days to process a mobile deposit, which is the way my wife deposits her her check. Thus her payment might be a few days late. We explained this to the dealership when we got the car. They said this would not be a problem.
Now the CNAC is calling us two or three times a day on the due date harassing us about the payment. I went in to have the oil changed at XXXX Byrider on the day the payment was due and the manager came out to the shop and began to question me about my payment in front of everyone in the shop. This was not only embarrassing, but also humiliating. I could understand if the payment was late, however that was not the case.
Now to top it all off, they have called me and my wife a total of 5 times today to remind us that the payment is due. This has gone past harassment. I called them and asked them to cease and desist and if they need to contact me to contact me by mail only, and they refused.
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| 04/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/XXXX, an accident occurred in a XXXX XXXX XXXX and was subsequently handled by my insurance company. The financing company for the overpriced vehicle ( CNAC Financing ) then took the insurance payment for the vehicle 's worth, refused to physically take possession of the vehicle ( total loss ), and then reported the vehicle as an open repossession on my credit report ( {$13000.00} ), preventing me from purchasing any vehicle except at great personal cost, preventing me from job opportunities, travel, etc. No offer was made to settle the remaining balance, as they never informed me of any amounts made payable to them that did affect the remainder. Upon calling, I was met with derision and told to check my paperwork. Two vehicles had been successfully purchased and paid for through this company, and when the mention of the failure of the airbag to deploy during the accident ( it was well within their XXXX mile warranty ), there was no reply, only the repossession response. I don't seek damages, I just want the erroneous report of a repossession removed from my file so that I may purchase another vehicle elsewhere.
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| 12/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Deceptive practice, illegal repossession. Filed complaint with Attorney General. False reporting to credit as " involuntarily repossession ''. Falsely repossessing and breaching terms has been filed with AG Office. Credit agencies all show my credit as XXXX less now and with incorrect comments. Despite XXXX XXXX lawsuit of JD Byrider by MA AG, the company is still deceiving consumers and now I am without my vehicle despite following terms of my loan, resigned from job of 2 yrs and left homeless. Upon refusing to return car stolen and illegally repossessed, and CNAC, XXXX XXXX XXXX XXXX XXXX, and JD ByRider breaching loan terms, XXXX XXXX hung up on me, and within 5 mins reported to all credit agencies indicating " involuntarily repossession '' despite knowledge and video taped by my home cameras the 30 minute conversation with the PI where I handed over my keys. I attempted to pay what was owed, all well within my loan terms the following 3 days and was denied and XXXX XXXX gave reason he owes bank. False reporting with knowledge to credit agencies and refusal to fix despite knowledge written to bank and JDByrider.
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| 08/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Servicemember |
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Even though XXXX XXXX and XXXX deleted all of the unnecessary info. XXXX is still reporting a lot of wrong information, and On top of that I sent a police report to them of the identity theft done to me with student loans and they are still claiming that they are mine. Along with other relevant proof to show that the military paid for my entire schooling. And of course the necessary Identification materials. Which hasnt sent multiple times already.Even so all of the accounts that are negative are showing paid and closed And should be taken off anyway for my understanding. Again they are showing wrong/incomplete account numbers and wrong information all together however again I say it isnt relevant Because I sent a police report detailing the multitude of loans used under my name without my permission. Other companies to become included on this complaint are : 1 ) every one that just has finance as the company name and they are three 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX 5 ) XXXX XXXX XXXX ( XXXX XXXX ) 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX 9 ) XXXX XXXX XXXX XXXX ( XXXX )
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| 01/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Older American |
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I purchased a XXXX XXXX XXXX XXXX XXXX XXXXByrider in XX/XX/XXXX. I noticed om the contract that too manypayments were listed on the contract. I contacted the dealership and told them and they told me to bring the car back to sign a new contract. When I arrived they told me that my {$600.00} down payment was not enough and that I had to put down an additional {$600.00} and that I needed to sign additional documents. I refused and gave them the vehicle back.
The car was not reporting on my credit at that time.
2 weeks later, I received an alert displaying a new account from JD Byrider with a {$12000.00} debt.
My down payment was not returned by the dealership although I returned the car within 5 days.
Now this new auto loan is displaying on my credit report which is preventing me from obtaining an auto loan as well as a loan for a home.
I have sent a cease and desist letter to the dealership ( which has been ignored ) as well as contacted the Illinois Stated Attorney.
I have disputed this account with all 3 credit bureaus and this account still has not been removed.
I am at my wits end!!!
Please help
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| 06/10/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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Hi there, So when I was XXXX XXXX XXXX in XX/XX/2021 I went into a dealership to get a car. They told me I had to put {$600.00} down and I would walk out with a car that day. That did happen, although I was given a car that was worth about 1/3 of the loan. First of all, I think it was messed up to do to a XXXX XXXX XXXX. They knew I had no idea what I was doing and took advantage of that fact. Now I am XXXX, stuck in this horrific loan and am backed into a corner. This is because I can not keep up with these payments, so it's effecting my credit. I have tried to refinance with over 15 companies and no one will approve me because my credit is dropping and the negative equity on the car is too high. And on top of it all they sold me a car that needs about {$800.00} worth of repairs. So here I am at XXXX having to consider bankruptcy which I really don't want to have to do and hurt my financial history until I'm almost XXXX. I need help, I was taken advantage of and I need someone to advocate for me and help guide me out of this situation. Please, if there is anything you can do I beg of you to help me.
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| 07/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I've notified this company, XXXX XXXXXXXX XXXX, about the incorrect and inaccurate information reporting on my credit report, I've asked for an investigation, verification, and validation of this alleged debt. My request has been ignored several times and no investigation has been done to ensure reporting at 100 % maximum accuracy. This company has violated several of my consumer protection laws. Saying the debt is valid but not providing any proof that the unknown accounts are verified. In addition, I've requested the method used to supposedly verify theses accounts and have not been provided with any information. My request continue to be ignored. This has cause a tremendous strain on my credit health, causing me to continue being denied credit for false reporting reasons. Please help me resolve this matter immediately as I have tried several times to handle this matter.
Dates : XXXX accounts updates, so they were reporting incorrect to begin with XXXX alleged verifiecation XXXX reporting incorrect XXXX no response to dispute XXXX no response or action taken XXXX still reporting unknown accounts
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| 11/02/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Asked via phone calls and email correspondence, to have payment dates moved around, also expressed that payments for the next few weeks would come out on later days due to my current finances.
The customer service rep XXXX XXXX, has been calling harrassed me, and threatened to send my car in to collections for being as little as a day behind. I requested several times to have someone else take care of my accounts, but she still harasses me.
I called the number she specified for me to call, and someone else took care of my payment, and she refunded it, because she said she was the only one who could authorize payments on my account. She then threatened to send my account to collections. I assume they must make some kind commission of off payments, so she hounds me to secure her commission.
I didnt have any problems with my account until she interjected herself. She disables my online account so I cant make payments. And refunded my money, because it takes 7 days to hit my account and now they are going to apply late fees, and report me negatively and reduce my credit score.
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| 02/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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On XX/XX/XXXX I financed a vehicle through CNAC in house finance for Byrider. I had to put XXXX down for the XXXX XXXX XXXX and starting XX/XX/XXXX I had to pay XXXX. I've paid them XXXX, XXXX so far via my debit card not knowing that the vehicle had title issues in Louisiana. I was given the run around for months by Byrider and they kept issuing temporary plates but no solution. They stated they didn't have a vehicle of equal or greater value to provide me. As of XXXX the manager informed me that he was very sorry for my inconvenience and asked if I could take the vehicle to the XXXX title office to get a vin number verification and with that they could work on the title issue. I've also been in contact via email with XXXX XXXX of CNAC to let her know since we entered into this contract fraudulently because I was not aware of the issue to months in the contract. I advised CNAC XXXX XXXX that I would prefer if they wrapped at least the minimum of two payments to the back of the loan until they correct the issue. As of XX/XX/XXXX XXXX XXXX wasn't on board and wanted more money.
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| 10/06/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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My husband and I attempted to make a payment in the amount of {$100.00} on XXXX/XXXX/16. The payment was declined. We spoke with the account manager that evening and explained that we were waiting on a direct deposit to be put through. She advised that we needed to contact her the next day. The company continued to attempt the payment without our consent until it finally went through. No authorization to draft our account was given, with the exception of the attempt on XXXX/XXXX/16. When we notified the loan company of the issue, they became rude stating that we needed to make a payment, and that since we gave them authorization on XXXX, they continued to try to collect the amount authorized. The GM has been attempting to have the call recording pulled, but has not had any luck. We were under the understanding that the payment declined, and that we were to contact the loan company the following day. We were never informed that they would continue to attempt to draft our account until they got an approval. The payment that was drafted caused our checking account to be overdrawn.
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| 01/23/2020 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX XXXX XXXX XXXX CNAC of XXXX Virginia located on XXXX XXXX XXXX XXXX. falsely reported to the credit bureaus serval times that a balanced was owed after trying to sue me and having they lawyer sign and agreement on XX/XX/2019. i have submitted the court papers serval times to the credit bureaus and they still state that they cant remove the debit that is owed. After contacting them and the lawyer office with XXXX XXXX they stated that their lawyer hadn't agreed to this and a balance was still owed. Now on XX/XX/2019 they are stating the only way to remove the debit is for them to fill out a 1099 form and I would have to report on my taxes but I didn't receive any payments are anything from this company. this was an auto loan with installment payments where I voluntary surrendered the vehicle due to it being a lemon vehicle, and they never disclosed that information to my attorney or me. The general manager XXXX was very rude when I asked why would they fill that form out seeing how I didn't receive any funds from them, he then stated I need to ask a tax advisor that.
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| 09/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account information incorrect
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Web |
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This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with CNAC/XXXX / J.D. BYRIDER. I have always made my payments on time. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY REPORT IMMEDIATELY.
CNAC - XXXXBalance $ XXXXDate Opened : XXXX XXXX, 2017 CNAC/XXXXXXXXBalance $ XXXXDate Opened XXXX XXXX XXXX, 2017 J.D. BYRIDER-Balance $ XXXXDate Opened : XXXX XXXX, 2017
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| 05/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/ I had wrote my complaint against the company ( jd byrider /cnac ) for wrongful /illegal repossession when in fact I was not defaulted on my payment on the vehicle and as well to get the Tradeline removed from my credit since they did reply back on XX/XX/ that they did collect the vehicle and were going to keep the vehicle and relayed that Cnac would cancel my open account and as of XXXX the tradeline would be removed from my credit report expeditiously, .. well here I am once again making a second complaint because of the false information Cnac has one again lied and relayed to me, by which my next stance is to go forward with my full legal civil suit because I havent given them time to correct their horrible unprofessional mistakes and vindictive practices. Im making a record of this second complaint due to have on record I have obliged myself to try to get a right solution from this company but if the tradeline isnt going to be removed as it was stated to me in the reply from Cnac then Im left with no choice to pursue full legal action against them!!!!
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| 02/28/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX / XXXX XXXX XXXX , TX XXXX claims that I still owe them {$2100.00} on a loan that has been closed and placed on my XXXX Credit Report as a Collection-Charge Off. This information is not correct due to the following terms : 1. Had XXXX XXXX / XXXX XXXX in XXXX TX properly maintained the vehicle before selling it to me than this loan would not even have an amount. Had XXXX XXXX and XXXX XXXX provided me with Buyers Guide in which they didnt this would have been better understood.
2. XXXX XXXX and XXXX XXXX XXXX TX failed to and refused to repair the car without me paying a high price. XXXX XXXX did not at time of purchase accurately disclose the mechanicial condition of the car that led to numerous mechancal failures, XXXX XXXX did not accurately disclose the prior history of the car.
XXXX XXXX and XXXX XXXX sold me a defective and poor quality vehicle that had numerous mechanical failure issues. XXXX XXXX after receiving the car back the final time ever did the provide me with a solution just a debt that I feel is not valid.
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| 05/19/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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on XXXX XXXX , 2017 i was i n a one car ac cident that resulted in my car being totaled. i had both full coverage through XXXX insurance and gap through XXXX XXXX , XXXX has sent in XXXX checks on my behalf. XXXX was for {$3800.00} and the other for {$770.00}, which left a balance of {$5200.00}. My gap however is taking a little longer than expected and now after a year and a half of no late or missed payments, JD Byeryder is threatening me with a reprosession of a car i haven '' t had since XXXX if i do n't give them another payment today in which i 've already paid XXXX and XXXX for fear of this happening. I already have another car and that payment is {$320.00} and i do n't have enough to pay for both. Also, I spoke with someone from the dealership and she told me that she spoke with my gap insurance and said the {$770.00} check was from them and they said they were n't paying anymore. I told her that was n't true and that she was wrong but i am stuck on my decision because I do n't want that on my credit.
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| 06/17/2020 |
Yes |
- Debt collection
- Auto debt
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- Communication tactics
- Called before 8am or after 9pm
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Web |
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I was not able to make my bi-weekly payment of {$180.00} this week. I left multiple messages for the company explaining this and that I would have the payment of {$180.00} on XX/XX/2020. I recieved a text messgae at XXXXXXXX from XXXX threatening me to not make him " use his resources ''. He stated in a text later in the day that as a Officer of the Court what about my Ethics. Made multiple referneces to my job making me feel as if it were being threatened. He make continuous references to me buying another vehicle telling me to pay my car payment like I pay my other car payment. I am no longer comfortable having any contact with this man. I informed him that further commuication would be with his boss and he sends me his contact followed by another text in all caps stating that they are in the office waiting for my call. I have never dealt with any type of debt collection practice like this in my life. This is not OK!! XXXX has contacted me from his cell ( XXXX ) XXXX and his office ( XXXX ) XXXX. His boss is XXXX XXXX ( XXXX ) XXXX
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| 05/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I've been dealing with this issue going on 3 months now. And have not gotten a solution. I'm in the process of purchasing a home and this is hindering me.
There's an ( Charged off ) account on my credit report from CNAC. CNAC sold this account to XXXX XXXX. I have paid and satisfied the account with XXXX. XXXX wrote me a letter stating that the account is satisfied and requesting it be removed from my report. XXXX also stats that they can't report themselves because CNAC is the original creditor and they are the company reporting to the bureaus. However, CNAC stats that they can't report because they sold the account. Both companies are saying they can't report. How can the issue be resolved. I've disputed this account multiple times. Each time it's come back as transferred by CNAC. The credit bureaus are stating that they can't do anything about it because the only company who can report is CNAC because that's who's on my report. I really need a solution asap. Im in the process of purchasing a home and this is the only issue.
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| 07/07/2022 |
Yes |
- Debt collection
- Auto debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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Dealing with payment collector from CNAC dab JD Byrider in XXXX XXXX TexasOn XX/XX/XXXX I was bombarded by a voicemail, a text, an email and calls to XXXX personal contacts without the opportunity to respond to any XXXX of these modes of communication. I called back in the morning responding to all three media and was called from a number which I later discovered was the collector on a cell phone. She claims it is a company cell phone but she had previously reached out by text and when I asked who it was there was no response. I have deduced that it is the collector sending harassing texts for a payment that was past due. On XX/XX/XXXX the I asked the collector about a text from phone number XXXX ( XXXX ) XXXX to which she denied. When I spoke with her today XX/XX/XXXX she changed her story and stated that she did not have to identify herself, meaning she lied when prompted about her identity on a cell phone. She also mentioned that this is how they conducted business. I informed her that I will be filing a consumer complaint.
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| 04/15/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
Servicemember |
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In XX/XX/2016 I applied for a new auto loan on a used car, having gone through divorce and financial issues my credit was not all that great. I went to XXXX XXXX in XX/XX/2016 and got a car, I signed the loan paper work and was expecting a high interest rate but not nearly as horrible as what they gave me. Ny state usury laws set max interest at 16 % but the car loan has exceeded that and is currently at 21 % interest which violates NY law and invalidates my loan. There are many other customers who are like me who are being charged over 20 % interest on car loans and ontop of the bad loans they are dealing out they are very rude and hostile when you are 1 day late on a loan, an when your late on your loan they call a reference from your loan paper work and disclose your status of being late on your loan. And for making payments they are not applying the full amount of your payment to your loan so when you think you are paying it off like normal they are shaving {$100.00} or more off your payment amount on your loan balance.
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| 07/31/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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XX/XX/XXXX i leased a XXXX XXXX XXXX XXXX from jd byryder of XXXX XXXX i put a XXXX dollar down payment at this point i had no clue about financing the sales man XXXX XXXX was realy quick witted about the process and got me to sighn a lease of 45 months at a 26 % interest rate mind you blue book is less than XXXX XXXX part of the contract was insurance coverage for 3 months until i got my registration well i was one day late and the come to my home and put a letter in my windshield wiper about my payment so i paid the payment but i diddnt know they dropped my coverage and had my car up for repo due to no insurance even tho i just paid the paymemt they got the car back and 4 years later they have destroyed my credit a XXXX XXXX dollar car at the end of sighning turned out to be XXXX dollars XXXX was financed at a 26 % rate and is still on my credit they scammed me into that car i diddnt even get a choice on other vehicles it was that or nothin i should have chose nothing because thats what i have today is a XXXX dollar debt
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| 11/17/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
Servicemember |
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I 'm the creditor FULL DISCLOSURE was not said and once he got my XXXX signature WITH MY XXXX SOCIAL THE DEBT WAS DISCHARGRED SO Y IS DIS XXXX ASKING ME FOR MONEY THATS DOUBLE DIPPING ON PPL ENUFF TO MAKE ONE MAD TO GET YO XXXX THO dats no longer my debt he is debtor and holder in due course my contract even has a promissory note I signed already u XXXX XXXX XXXX drop XXXX XXXX MY GOLDEN XXXX SIGNATURE PAID FOR XXXX XXXX XXXX XXXX AND Y'ALL NO IT a flight to XXXX mite sum it all up for XXXX with me the wrong XXXX way anthting happen my fee schedule runimg XXXX keep playing tho.. I want my XXXX and not scared of no XXXX XXXX police 's no recorded line no false tactics the lies and XXXX y'all do and I 'm retired vet and dis the XXXX thanks I get that 's XXXX ... it 's all fake and fraudulent BUT I 'M A NATURAL PERSON GOSE BY XXXX LAWS BUT YALL XXXX NOT BUT ON OUR EARTH LAND WITH DAT XXXX substantial law to get positive I got y'all XXXX with this lien and u got XXXX to give me my XXXX or else I will run XXXX XXXX XXXX XXXX
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| 12/10/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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My vehicle was unfairly XXXX from CNAC I tried to do everything possible to get it back and they wouldn't allow it and they sent me a letter stating that I had XXXX days to come collect my things from inside the vehicle and that they would be selling it and however much they sold it for would come off of my remaining balance on the vehicle. However they did not follow that. I recieved a paper stating that they sold the vehicle for {$0.00} and that I still owed the full amount! I know they sold the vehicle for {$2900.00} because I seen it at XXXX XXXX XXXX and ensured that it was the same vehicle by checking the vin and I was told how much they purchased it for, not to mention all of this is free to lookup online! So I want this removed from my credit report bc they fraudulently reported it and have hurt my credit score long enough. They weren't at all fair in the entire process of buying the vehicle in the first place. And I have disputed it several times online and nothing has been done! Even when I submit the proof.
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| 10/21/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I am a customer and have an impeccable payment history with JD Byrider. My car was totaled and I was given a new one by Byrider. They insurance paid the value and I was asked to pay the rest. I did. They refused to give me the car I paid for. Regarding the new car, I have made the payment payments on time. I have to call each time to make the payment. Many times I call no answer I have to call back. I called last Friday and no answer. I called Saturday a d the manager refused to accept my payment asking why t did not call on Friday. I told him I called and he said they were busy and I should have called back so he will reposes my car, even though I am not behind in my payments. Also from the start and during the last conversation I informed him to put my card on file for automatic payments he refused and wants me to call. I have a job and work and can not call every Friday, whilst at work. I don't owe and he said he will put my car for repo 's by refusing my Friday payment o. Saturday when I got a hold of them
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| 05/04/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
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I purchased a car through JD Byrider in XXXX that was financed through CNAC Byrider Finance LLC and had 24 months to pay. I started experiencing some serious problems with the car and took it in for repairs and paid {$400.00}. XXXX XXXX stated that they repaired the car but the car was not repaired in fact XXXX XXXX stated that they made the wrong repair and because of their mistake that said " we'er just going to put you in another car ''. I thought it would be an even exchange however, I ended up paying a {$1000.00} " deferred down-payment '' in addition to the {$500.00} cash ( down payment ) and the {$400.00} car repair. to sum it up 'm now paying XXXX {$190.00} bi-weekly payments started XXXX 2015. The sales price for the car " they put me in that I thought would be and even exchange I believe around ( {$6500.00} ) has been fiance for {$13000.00} at 20.999 % interest with the total sales price being {$21000.00}. I feel I 've been rip off can you please let me know if you can help me with this matter.
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| 12/09/2015 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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I purchased a vehicle from XXXX. Byrider/CNAC Finanace about a year ago. Nine months into the loan, I had a major problem with the vehicle and it was determined that the entire engine had to be replaced. This car had previously been a flood vehicle ( which was never disclosed to me upon purchase ). I returned the car to them and informed them that I no longer want it. The remaining balance of the loan has become a major point of dispute. Since I have explained to them that they will not be receiving any further payments from me, they have harassed myself and my family ( whose numbers they have from my references when I originally purchased the vehicle ) to the extent of upwards 12 calls a day without leaving a message. My biggest problem that I just realized is that they have also been checking my credit score every month for the last three months for the sole purpose to only damage my credit with multiple inquiries. They have absolutely no reason to need to run my credit. I need the harassment to stop.
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| 11/17/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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Back in XXXX I purchased a car from JD Byrider in XXXX Ohio. Shortly after I was one day late in making a payment and the vehicle was repossessed. I received disputed the information that was on my credit report in XXXX after I relocated to South Carolina after I received a letter from a collection agency regarding this old car loan. I was contacted by a lawyer from JD Byrider who could not locate any information on my loan from XXXX and informed me that they were not able to locate any paperwork on me since the original creditor is no longer in business. I received a call today from a company called XXXX XXXX XXXX who are trying to collect on this debt that no one after all this time can one prove I still owe. I still have yet to receive a copy of the original contract and disposition of the sale of the vehicle in accordance with Ohio XXXX. In addition this company has stated that they will sue me over debt that was long past the statue of limitations in Ohio as that expired in either XXXX or XXXX.
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| 12/22/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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I opened a loan with CNAC AKA JD BYRIDER in XXXX IA XXXX XXXX, 2012. On multiple occasions CNAC charged a card that I did not authorize to be saved and without my consent. I filed a complaint with the card issuer and the funds were reversed. However my former wife and I then became divorced. As we were going thru separation they began to call her and probe into our personal matters. Between the fraud and over extension of their rights, and empty threats I decided to take the loss and allow them to repossess the car. Now years later I have cleaned up my credit tremendously. However, CNAC continues to report untruthful information to the credit report agencies regarding the length of the loan, the balance due, and the overall terms. Every time I ask for a copy of the contract they tell me that they do not have to provide it because they believe my dispute is " frivolous ''. I simply want a copy of my original contract so that I can 1. Properly dispute the account. 2. Possibly begin legal action.
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| 12/28/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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An unauthorized payment was made by cnac XXXX missouri when i reached out to ask why they told me the co buyer which had taken over the account was one day late. When i asked why i wasnt contacted beforehand and asked if my card could be charged they had no answer. I told them months ago to remove my card off the account and not to use it for future payment, when they updated the account and the co buyer provided his payment information they said they did and they did not. When they charged my card it caused an overdraft to my bank. I would have never authorized a payment knowing i didnt have the funds available. What they did was theft. I never signed any paperwork for auto pay or reoccuring payment authorization in fact i was told they removed my card and the co buyer who had taken over was the one they would contact for future information or payment and also that in order to process auto pay i had to come in and sign a document which i never signed. They had no permission to use my card.
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| 10/26/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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I have been receiving over XXXX calls a day from a Car Finance company that goes by the name XXXX located in XXXX NC. This company has been leaving very detailed information about customers loan status as well as personal information on my business voicemail. I have given the company a verbal and documented Cest and Desist letter. But I 'm still receiving the calls and even text from this company. The reps have stated they were given my business number as a number for personal contact. I know this to be untrue because my number is associated with my small business and the only reason to call it is for questions concerning my business. The numerous calls over and over and at anytime of the day and night is harassing and my next steps involve me contacting my local police department to file a complaint for harassing phone calls. I do not have any financial ties with this company and I would like them to be investigated about why there leaving other customers loan info on my business voicemail.
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| 07/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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JD BYRIDER reported full repossession with {$0.00} owed in error after I paid {$700.00} to restore the account. I made the payment 6 days prior to the company making the report as shown on all credit reporting agencies. This caused my credit score to drop almost a 100 points even though I have full possession of the vehicle. I called the company and the finance manager stated they would not have done that and would look into it. The following day they shut off my car while we were at a convenience store. I have proof that I was only 2 weeks late on payment. Not 30 days. I pay biweekly. Their f8nace team sent an email about payment today but did not state the car would be shut off. There are major repair issues that they sold me the with and yet they refuse to fix without me paying for it. I have asked to file a formal complaint about the illegal reporting and they have not responded. They took my money XX/XX/23 and reported on XX/XX/23 full repossession with {$0.00} money owed.
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| 09/16/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account CNAC - XXXX XXXX with an alleged Balance {$0.00} was incurred due to fraudulent charges, which according to XXXX XXXX XXXX XXXX policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This account is trying to collect debt, which wad also listed on my credit report. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ], they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements.
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| 03/05/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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We purchased a car from JD Byrider / CNAC XXXX from them. My husband had a major XXXX over 100 miles from home. I stayed in contact with XXXX, our collections account manager, she was aware and we verbally agreed that I would be able to make all past due payments upon return to XXXX. 3 days later, I got a phone call from XXXX XXXX XXXX " XXXX '' XXXX demanding payment that instant or she was issuing the reposseion order for the car. I informed her of my conversation with XXXX, and she told me that it was n't her problem and told me I had until close of day to have payment in their office. She would n't listen to myself nor her employee when she told her the same thing. Finally, they repossessed the car. I never received a notice of intent for the vehicle nor any communication on how to retrieve my belongings, including my drivers license, insurance documents, nothing. I tried calling and it was always " She was n't in '' when they asked my name.
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| 11/19/2019 |
Yes |
- Debt collection
- Auto debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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I am not even financing anything through CNAC. However, the person that lived in this apartment before me did. I was at home relaxing and cooking and get a BANG at my door that was so startling I was shaking and afraid to open the door. I hear a man say She isnt answering! Then they slipped in an envelope. ( This is the 3rd time theyve come by ) I opened it and called the number and was greeted on the other end of the phone by a lady name XXXX that was so obnoxiously rude. I told her about how scared I was and Im not sure who they are looking for but lady doesnt live at this address anymore. She was raising her voice at me and was so inconsiderate. I had the rental office follow up with her and she told them not to call back and hung up the phone. I have asked them to refrain from coming to my residence. I feel like I am being harassed and I not the one they are looking for. Again, I am NOT a customer with this company nor do I owe them again!
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| 10/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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CNAC/JD BYRIDER insurance and car payment was paid till date of car being total. CNAC is advising I am still responsible for payments till Deductible of {$500.00} is paid to them. At this point CNAC has the wreck car, the XXXX insurance they have in their possession and all payments made to that point. The only thing I should be responsible for is the {$500.00} which I can make in payments. I can make bi weekly payments to get the deductible paid because I am using resources to get to and from work. After the {$500.00} is paid I dont want my credit impacted or nothing owed to Byrider. The car was value at XXXX. Per XXXX at byrifer I have only paid XXXX on the loan even though I started in XX/XX/2022. I put {$500.00} down have been paying {$250.00} everytwo weeks and a payment of {$500.00} on the down was also done in XXXX. I have every charge to my checking account which is way over XXXX plus the additional I paid biweekly for XXXX insurance.
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| 04/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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In XXXX, I was informed that my vehicle would show as a XXXX ( {$0.00} ) amount owed, if I provided details on my car which was totaled by a truck driver on XXXX XXXX. The cost that I owe based on what the auto dealership manager stated I would I owe after providing the police report, details on the junkyard who confirmed the vehicle as totals, and other details, the promise was to XXXX ( XXXX ) out my account. After I complied, soon my phone calls were ignored.
Once I confirmed even after a year later there was no follow through by JD Byrider/ CNAC 's, a complaint was made to Attorney General 's office. Again, JD Byrider requested pictures with no action on the initial promise.
Additionally, a request for an update to XXXX, XXXX, and XXXX with no resolution on XX/XX/XXXX. On XX/XX/XXXX, XXXX replied with a status of " Unknown, '' which is not an answer at all.
Now that it was not handled after two years, I am requesting finalization.
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| 02/13/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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My car was totaled on XX/XX/2020 by XXXX XXXX in XXXX. My lien holders are JD Byrider in XXXX XXXX, IA. I want to make it clear this is the worst decision I made in my life dealing with these people. Since my car has been totaled, NOBODY is letting me know whats going on, Byrider is refusing to let me speak to their insurance. This is a mess because I have NO CAR, and when I called to ask what is going on after finding out some questionable information from XXXX, its like they couldnt tell me. Ive had so many issues with Byrider, I honestly feel theyve discriminated against me on multiple occasions. Their representative either XXXX or XXXX belittled be saying youve owed XXXX money since XXXX which was very rude. I am the consumer and should no way shape or form be treated the way I have in the 2 years of dealing with these people. Something needs to be done, I am done dismissing my cases with them because I feel like I am not being heard.
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| 01/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To Whom it May Concern : A Hard inquiry was performed on XX/XX/2023 to my Credit by XXXX XXXX ( CNAC ) which was not authorized by me. I have not signed any paperwork or applied for any auto leases or loans through this or any other Company. While my husband does have a outstanding loan with this company, my information was not used, in full or in part, on any of the paperwork pertaining to this loan. I have not given Verbal permission, or Authorization of any form as well. I feel that my personal Information has been compromised as I did not give them any of my Information, such as but not limited to, my Social Security Number, or Date of Birth. I feel as though this is a attempt to steal my identity and use my information in any way that they seem fit without. I would greatly appreciate if this issue could be investigated and evaluated to the fullest extent. Thank you for your time, dedication, and service.
Sincerely, XXXX XXXX
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| 03/17/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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I sent a letter to XXXX in XXXX, with signature confirmation that was received on XX/XX/XXXX about a car they repossessed in XX/XX/XXXX. I was requesting paperwork under Louisiana 's ( R. S. 10 : 9-613, et seq. ) I also requested a copy of the loan contract because my car loan was written up as a retail installment contact but it shows up as an auto loan. XXXX did not respond to my letter. To this date i have ONLY received the RIGHT TO CURE paperwork the same day as the repo. I was not notified of an auction nor was i notified when the car was sold and how much it was sold for. I have asked the 3 credit bureaus to delete this account because it is inaccurately reporting and invalid because XXXX has yet to furnish me with the documents i've requested. I have disputed this account SEVERAL times so pointing out the INACCURACIES now that the credit bureaus are stating is inaccurate should not mean they can update the account!!!
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| 01/03/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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This company has unlawfully repossessed and sold the vehicle. The vehicle was repossessed in XXXX. This company continues to report fraudulently using my data in violation pursuant to 15 USC 1681A ( 2 ) ( b ) by furnishing an account that was created from my credit card or similar device and continues to use my credit card data in unauthorized factions that I never gave permission directly or indirectly. This company is advertising that I alledgedly owe when I do not. There is no debt sold because the product has been sold. CNAC is violation of 15 USC 1681B for furnishing a consumer report without my consent. They continue to use the Credit Reporting Agency 's to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. This company has committed fraud through mail as well as aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028.
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| 01/25/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I got behind on my car payments due to be laid off work during Covid, I filed chapter XXXX so I could keep my car because they were threatening to come and get it but work was still slow and my XXXX was XXXX XXXX XXXX XXXX so I had a XXXX XXXX issue I was dealing with got behind on my chapter XXXX payments so the court dismissed my case and I called CNAC to n mom she arrangements on my payment but they would only only agreed to giving me a week to come up with XXXX fir the 1st week and 150 each additional XXXX XXXX XXXX of course I couldnt come up with the XXXX so they put my vehicle up for repo and continuously call my phone 10-15 times a day sometimes back to back, its non stop from XXXX right on the dot to XXXX XXXX. can something be done about this? I Feel like its harassment what youre doing to me they call using different numbers after they just called from credit acceptance, it happens every single time
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| 05/22/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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My daughter financed a car from CNAC Carnow Acceptance Co XXXX XXXX XXXX XXXX, MA XXXX and XXXX Byrider. She payed all her car payments and her insurance company mailed them the check for the value of the car. Although she did not have GAP insurance CNAC has told us that my daughter 's loan will be paid in full and she will not owe any $ to them. When going to a different dealership to get her another loan and car CNAC will not give us a written letter stating that my daughters loan is paid in full. We have called numerous times and asked for something in writing that states her loan is forgiving and paid so she can get a new loan elsewhere and they said that we can go through them to get a new loan because they know the loan is paid but will not let her go to another dealership to get another car. Why wo n't they give her a letter stating the fact that her loan is paid so she can get a new loan? Please help!
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| 01/25/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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Is byrider/XXXX lured me into a predatory car loan by selling me a car that is defective.. The car is worth a fraction of the amount it was sold for and it is defective and unsafe to drive.. Within the first month the car was in the shop because I experienced the car shutting off while driving.. The car has been in the shop every month for this same problem and every time they say its fixed I experience the same thing of the car just shutting down while I 'm driving. Recently this has oucured 3 times in 1 day and happened on the highway and almost got me seriously injured or killed by a 18 wheeler.. I 've been paying for this car for 8 months and have n't driven it the last 2 months.. I 'm well within my warranty for mileage.. I do n't feel the car is safe to drive and not worth the amount I would be stuck paying. Which will be even more with the 21 % Apr.. I turned the car in on a voluntary reposession..
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| 12/22/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
Servicemember |
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I leased a XXXX XXXX XXXX from J.D. Byrider in XXXX of XXXX and had this vehicle until XXXX of XXXX. I paid all of {$380.00} monthly payments on time every month and I brought this vehicle to their service department 10 plus times for them to fix because it kept turning off on me, they couldn't figure out what was wrong with it so I and my financial manager at XXXX came to an verbal agreement that I would return the vehicle to them. They then offered me a {$500.00} settlement in XXXX of XXXX but then they retracted and said that I had to pay the full {$9000.00} that was owed on the vehicle. I've reached out to the manager and asked him how can we get this resolved and get this removed from my credit report but he just hung up on me. They are reporting every month twice a month on my credit report this repossession but refusing to rectify this bill so that I can have this removed ftom my credit report.
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| 03/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I do not believe that I should be liable for the amount that they are saying I owe them. The original amount {$2200.00} that was given to me when I declined the " chance to not upgrade my vehicle '' and the poor customer service I was given that day. I was provided documentation which states the amount that was given to me. They then reported an amount of {$4900.00} to the credit bureaus. I contacted the company and spoke to XXXX who indicated that I owed over XXXX XXXX. She then sent me the documentation indicating I did indeed owe over XXXX. With the lack of correct information that has been given to me over and over with this company proves inaccuracy. Again I am requesting for it to me removed from all three credit bureaus as they have proven inaccuracy numerous times and Under the Fair Credit Reporting Act ( FCRA ), you have a right to the fair and accurate reporting of your credit information.
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| 05/17/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
|
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Web |
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I bought a XXXX XXXX XXXX with XXXX milies ont it from XXXX XXXX, the car currently has XXXX miles on it and is listed in the XXXX XXXX XXXX for only XXXX, but yet I'm paying {$400.00} a month for 4 years which will total out to be around XXXX after it's all said and done. The car is in terrible condition. I purchased it in XX/XX/2016, and the transmission failed within the same year and had to be rebuilt. I have had numerous problems since the transmission fix but XXXX claims that the car is fine. I have not been late on a payment in the entire two-year process, I have paid XXXX on the car and still owe another XXXX. I was a fresh XXXX years of age when I purchased the car so i feel like XXXX XXXX really took advantage of my ignorance and I feel that this is way unfair. I have tried to get the car refinance but other lender say that it is a lost cause smd csnt help me. Can someone please HELP ME!
|
| 01/17/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
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CNAC attempted to contact me regarding my brother XXXX XXXX 's debt on XX/XX/XXXX. They told me that he had a debt and that it was for a car before asking me for his current number, which they already have and have spoken to him multiple times in the past few months. It was illegal for them to contact me when they had his contact, and it was illegal for them to release details about his debt. I told them I did not authorize them to continue calling me and to remove my number, which they claimed they did.
Nevertheless, I received a call from CNAC on XX/XX/XXXX, in which they again revealed illegal details about a debt to a third party and during which they threatened that they could call me as many times as they wanted and I could not deauthorize them for any reason.
They then provided false statements to CFBP, lying to a federal agency about the very existence of the harrassing call.
|
| 06/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
An automobile account listed under CNAC-XXXX XXXX on my credit reports is showing as charged off. This account is for a vehicle that was totaled. I was covered fully under my insurance at the time. The insurance said the vehicle was covered. When I spoke with JD Byrider/CNAC initially about the account, they also said the insurance would cover the remaining balance because it was totaled. Since then, CNAC has reported to the credit bureaus that there is still a balance owed and has since increased the balance. I do not have any agreements with CNAC-XXXX XXXX and am therefore not responsible for this account. This should be removed from my credit with all three credit bureaus. I reached out to CNAC numerous times to explain this to them and have told them numerous times that I am not responsible for this account. I am a XXXX veteran and I have tried to get this done for a few years now.
|
| 07/09/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
We were on vacation when our debit card number was hacked. We reported this to our bank after discovering several charges in XXXX, XXXX ( we live in XXXX ). The XXXX was also consulted. We did n't get a chance to call XXXX ( CNAC ) as it was the XXXX XXXX weekend, and frankly we were in shock. The bank froze our account until this is resolved. CNAC wants a letter, or fax to them, but XXXX XXXX will not do this. Why would we want a letter to us the bank is keeping us abreast of this situation? CNAC calls at least 4 times a day. I tell them the same thing every time. It is bad enough this company sells people who do n't have the means to get a car any other way because of issues in their life. We have said car into the shop 6 times. Brakes, radiator, rear tailight, and other things. This company needs to be investigated. This company also uses a device that changes numbers every time.
|
| 11/04/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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We purchased a XXXX XXXX from XXXX XXXX in XXXX and then we traded this car in XX/XX/XXXX to XXXX XXXX. XXXX XXXX paid XXXX XXXX {$5500.00} as in contract to retain the original title and complete the trade agreement for a brand new XXXX car.
We do not own or are liable for an account that was closed due to a trade-in vehicle purchase! Weve validated the balances and XXXX XXXX is claiming a debt that is mistaken, inaccurate, and deceptive. We have a copy of the XXXX contract stating they paid off XXXX. XXXX off and additionally, our paid fees to XXXX XXXX would have fulfilled our obligations ... we have proof of this trade and XXXX XXXX is scamming us and destroying our credit. They have falsified records and are using predatory financial tactics to collect a debt from a car they no longer own or are the lien holder to-How can they collect a debt for a car they or we do not own?
|
| 06/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I got a loan from a company cnac buying car from jd byrider i traded my car towards down payment i signed my contract as time went on into the second month of my loan i originally got the vehicle in XXXX the company accidentally reported to credit bureaus i missed XXXX payments i call them they call correct it however my credit dropped XXXX pts n never got points back then i. XXXX i was having hard time paying cause they would call before my due date i paid every two weeks they had me come in and sign new contract however little did i notice on my new contract they didn't list my trade in or payments i made from XXXX to XXXX they then came n repossessed my vehicle for being two weeks late while i was at work then i notice never reported my on time payments n that i opened my loan on XXXX when i opened it in XXXX i have copies of my first contract and proof of all this please help
|
| 11/04/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
We purchased a XXXX XXXX from XXXX XXXX in XXXX and then we traded this car in XX/XX/XXXX to XXXX XXXX. XXXX XXXX paid XXXX XXXX {$5500.00} as in contract to retain the original title and complete the trade agreement for a brand new XXXX car.
We do not own or are liable for an account that was closed due to a trade-in vehicle purchase! Weve validated the balances and XXXX XXXX is claiming a debt that is mistaken, inaccurate, and deceptive. We have a copy of the XXXX contract stating they paid off XXXX. XXXX off and additionally, our paid fees to XXXX XXXX would have fulfilled our obligations ... we have proof of this trade and XXXX XXXX is scamming us and destroying our credit. They have falsified records and are using predatory financial tactics to collect a debt from a car they no longer own or are the lien holder to-How can they collect a debt for a car they or we do not own?
|
| 06/02/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I was looking for a car and went to JD Byrider. Their company, CNAC, is the company I did business with. I was late on a few payments and started receiving harassing phone calls ( violation of 15 US code 1692b ( 3 ), 15 US code 1692c ( a ) 1 and 15 US code 1692d ( 5 ). As I learned more about consumer finance, I realized they had violated my rights as a consumer in so many ways. The loan was started XX/XX/XXXX. I asked for a validation of debt pursuant to 15 USC 1692g. I sent an affidavit of facts and evidence of them violating aforementioned laws and sent an invoice of violations to them. They never responded and today took my car. I sent these documents as certified mail and have proof they signed for it. I sent it XX/XX/XXXX and it was received XX/XX/XXXX. I realized the contract was fraudulent and they left out the Truth In Lending Act which made me pursue and request remedy
|
| 01/10/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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In XXXX 2014 my husband and I bought a mini van from XXXX. XXXX in XXXX Ma. We had nothing but problems form the initial inspection it failed. They fixed the issue ( horn ) but we had multiple problems the entire time we had the van. On multiple occasions XXXX the manager of there auto shop never returned my calls about needing things fixed. We had no choice but to give them the van back. We were not comfortable butting our children in it because we never knew when the next issue would arise. XXXX was very understanding when i showed up to give them the van, they even seemed somewhat aware of similar situations. The problem we are having now is it is listed on our credit reports as a repo and having a balance and it is making it difficult for us to move ahead. We really had no other option but to bring them the van back as we did not feel it was safe for our children to be in.
|
| 08/07/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In the wake of multiple data breaches of various organizations, I have been reviewing my credit for the past few months. I noticed a creditor that I was not familiar that dates back to 2014 per my credit reports. I have attempted on multiple occasions, in writing, to have the debt validated citing FCRA and FDCPA as a reference. The company was several times this year. I requested proof of the debt in all occasions. Specifically, I requested validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you ''. This exact language was used. To date, I have not received anything with the exception of statement showing a balance. No agreement, no signature ... nothing. Additionally, there was recently a lawsuit filed by this company against me in retaliation to my letters, which triggered my complaint to CFPB.
|
| 10/26/2018 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I have filed complaints against this company in the past. I demanded them to cease and desist " Payment Reminder '' calls and any contact whatsoever unless the payments are behind. I have called many times to demand removal from Auto Reminder for payment calls. After speaking with the company XXXX today, the agent stated it is ( has been ) noted in my account NOT TO CALL, TEXT, OR EMAIL me for any reason other than delinquency. Under the FDCPA I have the right to ask creditors to Cease and Desist yet this company XXXX continues to harass me on the day of payment using auto dialers. I am making this a matter of public record by making this demand formally on the CFPB complaint. No contact at all, XXXX is to CEASE AND DESIST all communications with me unless a payment is late. Future complaints will be through the Attorney General in Indiana. I will not warn them again.
|
| 09/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
On XX/XX/XXXX, I went to purchase a used vehicle from XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, WI XXXX. I ended up financing a XXXX XXXX XXXX XXXX with balance to finance XXXX. The car came with a 4 year warranty but since I got the car there's been nothing but problems. A little over a year I went to another dealership to upgrade my vehicle but when the dealer asked for a payoff on my vehicle that's when the issue was brought to my attention. The payoff should have been a lot less than what they told the dealer and it was brought to my attention on my paperwork from my vehicle the interest rate was never included on the paperwork. I believe I was taken advantage of my situation at the time and since then I've been unnecessarily paying more than I should along with getting a vehicle that's unreliable adding unnecessary stress in my life.
|
| 04/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/XXXX CNAC XXXX ran my credit without my permission. I had a vehicle with them and they would not honor their warranty after several request. I decided to get another vehicle and return their vehicle to them. So I picked up my new vehicle on XX/XX/XXXX and they picked the vehicle up on either XX/XX/XXXX or XX/XX/XXXX. Then XXXX XXXX ran my credit to see if I purchased another vehicle. I know that was her purpose as I am a former employee of the company and she would run a customers credit anytime they return their vehicle. When asked if it was legal she said no but these people don't know any better. I emailed and asked why and for her to fix it. She replied her goal is to help with my credit but did not say that she would fix it nor did she apologize. I don't know how they are helping with credit if she runs a persons credit when ever she feels like it.
|
| 01/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I had a car loan with C.N.A.C through J.D. Byrider in XXXX. I was told that I had to pay for outside insurance because the insurance that they provide was for their benefit. I paid a XXXX down payment because I was told it was required. I had the car for over a year and the balance never went down. I called and asked them for a copy of the contract and they kept giving me the runaround. They repossessed my XXXX XXXX in XXXX when I was in XXXX taking care of a family member. I was not behind a month, my balance was around XXXX but they took the car and charged an additional XXXX. I knew what they were doing was wrong I just didn't have the knowledge to help me. I sent them an affidavit of truth on XX/XX/XXXX and have not got word from them. An unrebutted affidavit stands as truth in commerce, an unrebutted affidavit becomes the judgment in commerce.
|
| 05/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I have disputed inaccurate information on my credit report through XXXX multiple times. XXXX responds stating the information is accurate and will remain on my credit report. I am a victim of debt re aging. The creditor in question is JD Byrider from XXXX Illinois located on XXXX XXXX. Jd Byrider claims I made three on time payments to be able to keep the debt on my consumer report past the 7 year time limit. The debt was last paid XX/XX/2012. The vehicle was repossessed from the cosigner without my knowledge of any missed or late payments and sold at auction without me resolving the issue. I am disputing the three on time payments, as they claim to XXXX I made. Experian claims that was debt re aging and refuse to remove the inaccurate information negative on my report. So this negative account has been reported now 8 years and 9 months.
|
| 09/03/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
This was my first car that I bought off the lot it was a used car to start with I ended up getting into a car accident and the car was totaled so I was able to pay an additional fee to obtain another car with the same payment dates and times of my last car I completely paid off the car in total because of what they got back for I accident it paid for the new car but I ended up having to pay extra money because I wasn't aware of that they have already taken a lot for me and for that company XXXX XXXX to sell my information to this collection agency for the amount of my total car is completely illegal please look into this and into their company in its entirety because that's not right I made XXXX year old woman turning XXXX and my credit is a big deal in my life right now my phone number is XXXX please give me a call if you have questions
|
| 10/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
CNAC XXXX XXXX. took my car after I singed a new contract with them regarding two late payments that they had put at the end of my car loan which had me up to date on my car note the day my car not was due I went to pay it at XXXX in the amount of XXXX The CNAC locked me out of my account the following day sent me a letter of repossion the following day they came and took my car. I called and spoke with a loan person who told me that CNAC was backing out of the loan and I still have to pay for the car. As of today XX/XX/2022 I received a letter of intent to assign wages at my current job after close review I of all the paperwork that the company falsified my social security number. They also declined payment and arbitration agreement that was completed in the contract and forced a repossession on my back ground with a false information.
|
| 10/02/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with signing the paperwork
|
|
Web |
|
|
XX/XX/XXXX Your appt w/ XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ) today, XX/XX/XXXXXXXX XXXX XXXXXXXX. Reply CONFIRM or call XXXX to change or get help with your XXXX link.
I applied for a loan as a Creditor, and was asked for authorization via Power of Attorney, by a man named XXXX, to consent to entrust XXXX Agent to act as Creditor, to access and receive funds for the Consumer, Me.
After Creditor accessed ( Hard Inquiry ) the funds, the substance was then denied the Consumer.
Consumer, Me, was denied without compensation, and there was no attempt to remind initial Creditor, also Me, of my Right to Rescind.
I have sent notice via SMS to XXXX of my intentions to Cure, Resolve and settle the dispute.
And am filing said complaint as to register the account publicly as a claim made my I, XXXX, the XXXX.
|
| 07/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
I was denied an auto loan based entirely on my source of income being from XXXX XXXX XXXX XXXX. This is public assistance. I have been unfairly discriminated against by XXXX at CNAC Bank. Contact number is XXXX. XXXX said he is denying everyone on unemployment right now. I have over {$1800.00} a month in income. I can afford an auto loan. This is illegal discrimination. I tried reading the law to him and told him I would make a complaint, and he said " I won't hear from anyone. '' He is used to being able to break the rules and get away with it because he doesn't think you will do anything about it. I need a vehicle so I CAN get another job. I need help.
They also will not provide me with a denial letter. I thought I had a right to a letter detailing the reasons why I was denied credit.
This is the bank for XXXX XXXX
|
| 04/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
They are participating in deceptive trade practices. They do not make it clear the CNAC and JD BYRIDER are the same company. The did not make it clear that the vehicle had been in previous accidents. They advertised one price for a down payment then later stated the down payment would be spread out in 4 payments amongst other deceptive acts. The damage the vehicle has previously had had greatly affected me financially. They claim to have an 80 plus point inspection yet the vehicle needed a new battery a few days after purchase. I also wasn't aware the loan was not through JD BYRIDER and was through a 3rd party. I also was not aware there vehicle was collateral for the loan. I was not aware of a lot of things. JD BYRIDER has multiple cases of deceptive practices. Nor was I notified of my right to rescind.
|
| 12/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
The Company CNAC, XXXX XXXX XXXX XXXX, XXXX NC, XXXX - Ph. XXXX reported to the Credit Bureau that they repossessed a vehicle that I began paying payments on in 2015, and paid the vehicle off early that the extended contract was written for. The following year when I applied for a VA loan to purchase a home, I learned of the report of the repossession. I contacted CNAC and the manager explained to me that the repossession was reported in error. The manager, XXXX XXXX, wrote me a letter explaining the repossession was an error by the company, and in the letter she she explained that anyone with questions could contact the company at the above address and telephone number. This has had a devastating impact on my finances and my living situation.
XXXX XXXX XXXX XXXX XXXX.
XXXX NC XXXX Phone XXXX
|
| 12/07/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
In XXXX I Visited a JD Byrider In XXXX NC. I was young and did not understand how to purchase a car. Today I felt as if I was being scammed for my ignorance, but I was desperate at the time for a vehicle to drive across the state for a new job that ended up not working. The car had issues, and I had driven the car to them a few times to fix it. I was buying a XXXX base level XXXX XXXX for around 10 grand. They told me that I would have a credit score of XXXX dollars. What they didn't tell me was the car had many issues, and the interest rate was almost 30 %. Upon losing my job, I had informed them and dropped the car off to them in perfect condition. I wasn't aware at the time that this counted as a repossession since I was the one who returned it because I honestly couldn't afford this car.
|
| 04/18/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
On XXXX XXXX obtained my credit report pulled by XXXX XXXX Bank to qualify for a mortgage. I noticed on my credit report I had a repossession from XXXX reporting from XXXX of Charl/CNA. I have emailed, mailed, called, and faxed correspondence regarding seeing where this account came from. I have no recollection or did I gave anyone permission to obtain a vehicle loan in my name. Under the FCRA this company is obligated to provide any legal binding contracts with my signature showing that I signed for or gave them permission for this loan to be obtained in my name. I have not been able to get a response from the company regarding this account. Also according to the FCRA, this account is is XXXX years old and the company is still attempting to collect on a debt past X years.
|
| 08/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
CNAC/XXXX is reporting negative collections on my credit report. This was a XXXX Byrider car that i got. The car broke down on us XXXX weeks after i got it from XXXX Byrider. They said i was responsible for all repairs. I told them that is unacceptable because the car was making a weird noise to begin with.They were suppose to look at it before i drove off and never did. So the car sat in the street at my house for a long time. I asked them to come take it back that i did n't want it no more. They waited and refused to get car. I told them there was a 30 day return policy and they refused to honor it. I was dumb and young at the time and just let it be. Now i know better and regret my choice. I should 've pushed them to follow their policy. They should n't be reporting it anymore.
|
| 04/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
CNAC/XXXX is reporting negative collections on my credit report. This was a XXXX Byrider car that i got. The car broke down on us 2 weeks after i got it from XXXX Byrider. They said i was responsible for all repairs. I told them that is unacceptable because the car was making a weird noise to begin with.They were suppose to look at it before i drove off and never did. So the car sat in the street at my house for a long time. I asked them to come take it back that i did n't want it no more. They waited and refused to get car. I told them there was a 30 day return policy and they refused to honor it. I was dumb and young at the time and just let it be. Now i know better and regret my choice. I should 've pushed them to follow their policy. They should n't be reporting it anymore.
|
| 11/17/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
I need my XXXX title to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX already got paid for ... or I will just put lien on XXXX XXXX whole business XXXX YALL THINK I DONT KW WAT THE XXXX GOING XXXX XXXX XXXX XXXX AND STILL IS EVEN IF I GET CAR BACK JUST TO SHOW HIS XXXX XXXX I CAN JUST LIKE HE DOING IMMA PLAY YALL XXXX BETTER THAN YA XXXX XXXX ... and doing XXXX XXXX today since XXXX XXXX want to sit up and lie to my XXXX face go XXXX some were which y'all clone XXXX and taking y'all XXXX to court for misleading practices XXXX STOPS WITH ME AND DESE XXXX GAMES WE OUT WITH KIDS AND Y'ALL XXXX WANT TO PLAY GAMES GIVE MY XXXX BACK FOR IT GET REAL UGLY OUT HERE LAST WARNING NOW TRY ME XXXX XXXX XXXX XXXX IN THAT INDIANA OFFICE U CAN BE FOUND for XXXX with my intellegence ...
|
| 12/03/2023 |
No |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
|
|
Web |
|
|
I purchased a vehicle from byryders XXXX XX/XX/XXXX, everything was going smoothly I took XXXX XXXX trip to XXXX and when I got back home, the car kept stalling and was stuck in neutral, a transmission error came across the car and could not be driven, I got it towed to byriders which they were closed and I emailed them to let them know what happened the next morning some one called and asked what happened and as soon as I explained it they hung up in my face. I tried to calling to speak to the XXXX and no one would answer. so I texted her telling her the issues that I had with the XXXX and wanted to see about getting a new car or my money back considering I only had the car for about XXXX weeks and she read my message and hasn't responded or contacted me since.
|
| 10/17/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
J.D.Byrider used predatory lending tactics and other deceptive sales overall in bad faith sales car to customers price gouging. I made a partially pymt & they illegally repo car. Than told me I could pay remainder pymt plus repo fee I would get car bck, than they restated current conditions & added one month pymt in advance gave me 30 days to complete this. Nearing the 30 day I called to confirm amount due they than said never made this verbal agreement and my car was gone. Than told me I was 55 days past due and reject a pymt in their back office never refunded actual money so they illegally rigged their accounting books and total revs my loan and took XXXX down pymt never notified me about personal belongings .I had items totaling XXXX in trunk of vehicle
|
| 08/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
I am getting the run around, from my vehicle finance company and the 3 credit bureaus. I would like for some assistance. I have a good standing account. that should be reporting. The lack of this reporting and inaccuracy is hurting my creditworthiness. I have spoken to 2 of the 3 credit bureaus. Yet again! getting the run around!
Please let me know what CFPB cant do to help. There is a mistake on someones part. I need help making it right.
Date of notice from seeing FICO ( XXXX-19 ). Date for contact to finance company ( XXXX-19 ) Date of communication with finance company representative ( XXXX-19 ) Date of contact with XXXX ( XXXX-19 ) Date of contact with XXXX ( XXXX-19 ) I have not been able to reach XXXX. They are unavailable over the weekends
|
| 07/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
CNAC reposesed my car in XXXX of 2015. They have in the credit bureau a date of last payment on XX/XX/2015. They also have a closed date of XX/XX/2015. The account was NOT closed the same date of last payment. Also, CNAC charged off the account less than 180 days after last payment which is ILLEGAl. They continue to try to hurt consumers who no longer want lemon cars. Their account needs to be REMOVED from my credit bureau never to come back.. It has been since XX/XX/2015 since we parted ways and I keep disputing their illegal reporting to the credit bureaus and no one listens. But they keep reporting so It can stay on my report. Please have them remove or the next step will beto take them to small claims court along with the credit bureaus also.
|
| 08/12/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In XX/XX/XXXX, CNAC was sued by the XXXX Attorney General. A settlement was announced on XX/XX/XXXX indicating that I would be notified by the Attorney General about the impact that this would have on my account. On XX/XX/XXXX, CNAC sent an unsigned letter describing the way they believed my account was impacted and indicated that my payments would be lowered accordingly. On XX/XX/XXXX, I made a payment and I informed CNAC that I would need a copy of my account history to analyze the changes that CNAC suggested were a result of the Attorney General settlement agreement. I received the statement in mid XXXX, XXXX. I have now assembled all information related to this loan and sent a copy to the XXXX Attorney General to ask for their guidance.
|
| 06/18/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
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I purchased a vehicle from JD Byrider XXXX/XXXX/14. Yesterday I went to trade in the vehicle for a newer truck. The dealership informed me that my vehicle was only worth {$2000.00} and that the pay off for the loan was {$8800.00}. This seems way off. I trusted the dealership and the finance company because they are affiliated with each other. I feel that they took advantage of me and I am stuck with a vehicle where I owe 4 times what the vehicle is worth. Further more when I contacted the finance company last night and asked for a hard copy of the pay off I was told they do n't have that in a hard copy. I threatened them by asking them where I was to send a sopena to get this information. She reluctantly sent me a copy of the general ledger.
|
| 01/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
My loan is due for a payment of XXXX dollars every two weeks. Two weeks ago I set payment arrangements on XX/XX/XXXX. The company then called me another time in the same day XX/XX/XXXX. Twice on XX/XX/XXXX which the first time I answered ( XXXX ) and the same arrangements and they still called later on XX/XX/XXXX ( XXXX ). Then also sent me a text of the payment on XX/XX/XXXX. Then sent me an email on XX/XX/XXXX asking about the payment I had already made arrangements for. I paid the arrangement yesterday XX/XX/XXXX. I called in today to inform them that I want to place on the cease and desist and the agent said she wouldn't place the order until I told her why. I told due to harassment and she once again declined saying it's not harrasment
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| 10/31/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
A few months ago I recently reviewed my credit file. I noticed that there was items on my credit file that did not belong to me. I have sent dispute letters to both the credit agencies and CNAC. I did not receive any response back from CNAC. The credit agencies get stating that they verified the information. Since then, on XXXX XXXX, 2016, I sent Fraud Affidavits to CNAC and to all XXXX of the credit agencies. Even after all of my efforts to get this item removed, CNAC still have not removed this item. This is not my account. I did not open this account or authorize anyone to open this account in my name. Please assist me in getting this matter resolved. They have received the Fraud Affidavit because I mailed it Certified Return Receipt.
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| 12/23/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I had a car loan financed by CNAC from XXXX 2015 to XXXX 2015. I traded my car in for a brand new car. When I traded my car in the new dealer called CNAC and got a 20 day pay off. Not even XXXX days later CNAC sent me emails telling me that I was in collections!! I reached out to them to advise them they will be receiving a check within XXXX days from the new car dealer. The representative was rude and continued to tell me that I was liable to pay. I then advised her that I will not make any more payments because they will be getting a check for the balance in full within XXXX days. I also advised her she was not to contact me at all. They failed to follow my request because they continued to call me when I a advised them not to.
|
| 01/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
My ex-wife left me and her XXXX daughters in a car With the XXXX XXXX from JD Byrider I could not report it stolen since she was on the title/loan itself, I have already paid XXXX to XXXX XXXX For a previous loan Since she has left the kids and I She has gotten XXXX XXXXXXXX cars repossessed from XXXX XXXX to JD by rider to another one, not sure of the name, but other buy here pay here, lots.
I will pay my portion with no problem, but it should definitely not fall on just the one person with the job. Because she is the one that took off with the vehicle. And I called XXXX XXXX XXXX, and reported that I would like to cancel the insurance so I can show proof that.
Thank you To whom ever it may concern.
XXXX XXXX XXXX XXXX XXXX
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| 06/01/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I have attached a file below proof of the case with common pleas court that i won a law suit against XXXX XXXX for XXXX and settlement to arise out of the purchase this settlement was confirmed by Judge XXXX XXXX. Case number XXXX i won a lawsuit against XXXX XXXX for Dealership fraud of over charging me. Please remove this loan from our credit reports or i will take this to the Ohio Attorney General XXXX XXXX. If this is not removed within 15 business days i will exercise my rights to XXXX XXXX. This is all due to auto fraud and lemon car from XXXX XXXX. I have an open pending case with the ohio attorney general if this is not taken care of XXXX had told me to file another complaint and if it is denied he will be taking over.
|
| 03/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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I received a car loan through XXXX XXXX in XX/XX/XXXX. They told me my payment would be {$200.00} per month. Once I started making payments, they informed me that the {$200.00} payment was bi-weekly, not monthly. I made all payments on time until XX/XX/XXXX, when I could no longer afford the make the payments. I voluntarily returned the car to the dealership and notified them that the car was in their possession. XXXX then ran a credit check on me, which I did not authorize. They call me 3 - 4 times daily, trying to get me to come pick up the car and continue making payments. I can not afford to. I realize this will damage my credit, but I did not authorize them to do a credit check on me and I was completely honest with them.
|
| 04/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
|
| 09/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have been filing disputes with the credit companies as well as with the company itself in regards to CNAC attempting to sabatoge my credit standing by re-aging a debt. I have pulled all three of my credit reports multiple times this year, and they are reporting a different date for the last payment to each different credit company. When I reach out to anyone, they all keep saying the account information is accurate. How can it be accurate if you are reporting something three different ways? I am prepared to seek legal action if this account can not or will not be removed from all of my reports. This is blatant disregard of the law. Re-aging debt, as listed under the Fair Credit Reporting Act is illegal.
|
| 11/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
CNAC FL XXXX is reporting an auto loan debt which was chargeoff and sold to a collection agency. They never sent me a 1099 C form of the debt being sold. There shouldnt be a past due balance on a charge-off account. This is false inaccurate information. Also theres an inconsistent payment history reporting for this account Ive attached a screenshot. Payment history must be verifiable and accurate each month on an account. There is ND ( no data ) reporting for months XXXX, XXXX, XXXX of XXXX XX/XX/XXXX. This is inconsistent and hasnt been properly verified. How is it that this account was charged off, sold yet I have no 1099 form? Its against the FCRA to report inconsistent payment history of an account.
|
| 08/02/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
This is a horrible place to get a car from I had go into a accident and they took over 2 months to fix it an it was only a bummer an when I got it back my head lights wasnt working then I told them something doesnt feel right they tell me Im not covered for that they only could fix whats in my insurance then after that they up my payments saying I was late then they kept calling me an one day I was at work they called me in the mix of that day they called me 5 more time I lost my job that day then they kept telling me idk what to tell u then 4 weeks later they came pick my car up at night when i was sleeping I would never tell no one to go there if I could sue I would an ik the person who did all this
|
| 04/18/2017 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
The company XXXX XXXX XXXX are seriously violating the FCRA. They took a charged off account that was closed and added an ok payment status on my credit report on XXXX They then closed the account on XX/2016. Next, they removed the ok status from XXXX and added an ok status for XXXX Then changed the whole history from charge off to failure to pay. I 've ever did business with XXXX XXXX XXXX company and I do n't think it is fair for them to damage my credit like they are doing. I have asked them to verify the debt and they never did. This is what they did when I asked them to verify this so called debt! And I gave them over 30 days. They did not respond in a timely manner
|
| 04/17/2020 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
CNAC contacted me on the day my payment was due trying to collect it before it was even late. I was already about to pay it when it was due. They left threatening voicemails to escalate the situation and call my employer, friends, and family if I did not pay within thirty minutes, which would have still been within the due date. I was contacted by a representative named XXXX from the XXXX branch I believe. They were very rude, and I called a little irate myself because of the voicemail they left me. Theyve done this multiple times and definitely show no remorse for the ongoing pandemic. Please hold them accountable for their unfair and aggressive practices. Attached is the voicemail he left me.
|
| 07/28/2023 |
No |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
My account with CNAC was closed in XXXX and it's listed as a charged-off account for the amount of XXXX. The car needed repairs and had stopped running in XX/XX/XXXX. Instead of working out a solution to repair the car and a payment arrangement to pay for the repairs, they kept the car and listed it as a repossession on my credit report. I had a good payment history with this company from XX/XX/XXXX to XX/XX/XXXX, then the car stopped running.
I requested a 1099-C since the balance is over XXXX. I sent the letter on XX/XX/XXXX. The company sent me back my letter with handwritten notes on XX/XX/XXXX. I am still requesting a 1099-C form for the charged-off amount listed on my credit report.
|
| 03/21/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
My name and vehicle information was added to an auto policy with XXXX XXXX. I never gave consent or advised this was being done. Now an accident claim on my vehicle shows up on this persons auto policy with XXXX. It takes a name, dob, address, DL etc to add someone to a policy and I was not notified of this being done. Not once was this information shared with the policy holder or XXXX. XXXX refuses to remove my name from a policy I never authorized. How is adding someone to a policy without person ok, but to remove them by the persons permission not ok? This is fraudulent behavior. I dont want my vehicle information or accident claim information released to anyone without my permission.
|
| 11/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I had purchased my vehicle through JB Byrider XXXX XXXX i had my debit card on file with them at all times for my bi-weekly payment. XX/XX/2022 jdbyrider stated my card wasnt authorized but did not contact me to inform me of this. May paycheck was direct deposited so there shouldnt have been an issue. They repoed it on XX/XX/2022 while i was having it serviced. Never contacted me to inform me they repoed it for being a mere XXXX business days late which was their own fault for not processing. Illinois state law states account must be in default for a repo this wasnt even delinquent!! never gave me the option to pay it off either. Illegal repo take off my credit report before i sue!!!
|
| 03/01/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
My issue is that I was sold a car, which has given me nothing but problems, my car finally died 2 weeks ago, I have already paid CNAC more then {$15000.00} for a XXXX saturn ion, which nearly killed me when it automatically shut down in the middle of an intersection. I have requested to have a settlement with this company, I currently owe {$2300.00}, I asked if I can pleae settle at {$1200.00}, they will not I have a lay by the name of XXXX calling an harassing me twice a day, I have already sent them a cease and desease until they can offer me a settlement. I was pressured into obtaining the car when I purchase it, nothing was really ever explain to me, not even the high interest.
|
| 05/22/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
I had a car with XXXX XXXX and I didnt have the car a full 2 months and I turned the car back in because I went out on FMLA leave due to medical cal issues. I asked if I could pay my payment late or lower my payments and they refused. I repeatedly asked for help and they just kept threatening to repossess the car. So I turned the car in and now they have it on my credit as repossessed and they have already sold the vehicle and put it on my credit as a repossession. I can not even get a car anywhere else because of the repossession. Please remove this from my report because I am in need of another car plus my son has a XXXX and I can not purchase another car with this on my credit.
|
| 08/16/2022 |
No |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
On XX/XX/ 2022 I sent a notarized & mail certified letters to the company JD Byrider ; Informing the company of there violation against me as a consumer. I was charged an excessive amount of interest in the amount if 21 %. According to PAs Usury law This shouldnt have happened. The maximum amount of interest that can be charged for a loan or money financed under 50k must not exceed 6 %. This company has charged me more than 3x this amount. According to the law I am entitled remedy and I am exercising my right to claim such remedy.
I demand for them give me what the law says I am entitled to which is 3x times the amount I was charged. This totals to approx. 74k in U.S. money.
|
| 07/19/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I purchased a vehicle from XXXX in XXXX 2016 and I had a deferred down payment for {$800.00} and then I started making payments biweekly from day one. I noticed that my principal balance did n't change after the initial XXXX payments, I called XXXX and was told ( after talking to a few different individuals and different stories ) that the first XXXX payments were interest only payments and when I ask was this is writing, the lady told me, " it should be ''. I reviewed my loan paperwork and I did n't see anything even close to this notated in the contract. So at this point, I would like to see what I can do to resolve this issue or go after XXXX for False advertising.
|
| 05/03/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
|
| 01/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Account : XXXX XXXX XXXX XX/XX/XXXX I have wrote the credit bureau about this account being on my credit report. I have asked XXXX and XXXX to remove these accounts but I have not seen a change on my report.
Account : XXXX XXXX XXXX : XX/XX/XXXX I have sent XXXX and XXXX a dispute letter asking them to remove the accounts. These accounts remain on my credit report and have not been removed.
Account ; CNAC XX/XX/XXXX I have sent XXXX a dispute letter about the account being on my credit report. I have asked them to remove the account from my credit report but this account remains on my credit.
I am not aware of any of these accounts and they are fraudulent.
|
| 09/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Account reinstatement or redemption after repossession
|
|
Web |
|
|
on the XXXX day of XX/XX/XXXX, I mailed a copy of the following : notice of rescission and billing error, affidavit of truth, billing notice, transcript of payments. Notarized by public notary and mailed certified via XXXX requested by phone XX/XX/XXXX directly with manager at Byrider finance LLC : explanation of amount owed, vehicle service contract, copy of promissory note, lien, power of attorney with signatures of all parties involved. The manager stated that she could not provide or explain any information pertaining to my account and admitted that the company is the process of selling my information to another 3rd party after tax right off ( charge off ).
|
| 05/18/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Hello, I started a new job and told a rep this weeks ago and emailed the rep a few days ago also. I get XXXX calls a day then they email even after leaving a message or calling me to call them. I stopped calling them back now because I have asked for them to call me XXXX time a day after XXXX and also not to ever email me again and it has n't stopped. then a rep XXXX called me from her personal cell XXXX which is illegal! CNAC if you pull their phone records talk bad to me and I have paid perfect for 3 1/2 years! I want to sue this place for violating me and harassing me daily. please help shut this place down or make them learn to stop harassing consumers.
|
| 11/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
|
|
I purchased a XXXX XXXX XXXX with financing though Byrider on XX/XX/2022 at XXXX. My total payment amount once the car is paid off will be {$33000.00} which is three times the amount the car is worth. I went to the location I purchased the car from and told them I wanted the purchase unwound and that I want my trade car back and my down payment refunded. I have been given the run around by both the sales side and financial side. I was told specifically by the general XXXX that Im not the first person that this has happened to, which leads me to believe that they have done this many times before and deliberately just to make money off of desperate people.
|
| 08/11/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
|
|
Web |
|
|
Purchased a XXXX XXXX XXXX from Jd Byrider XXXX Tn XXXX XXXX after financings Car need work traveling 4 hours away from home .. called Monday morning to complain about problems..
Warrenty dept paid for an oxygen only..
Car need extensive work underneath they denied the patent to work on it..
No place close to home to repair car..
Pretty much brought a lemon car..
Entire undercarriage rusted out and fell off the car.. I could have lost my life..
I asked them to fix the car they stated they need payment first..
Lost my job because of no transportation.
I called finance company letting them know where the car was I told Ill be sued for the balance..
|
| 05/22/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
The usury laws of my state Massachu setts ( Part IV/Title I/Chapter 271/Section 49 ) states that " whoever in exchange for either a loan of money or other property knowingly contracts for, charges, takes or receives, directly or indirectly, interest and expenses the aggregate of which exceeds an amount greater than twenty per centimeter per annum upon the sum loaned or the equivalent rate for a longer or shorter period, shall be guilty of criminal usury and shall be punished ... by such fine and imprisonment. '' The company is charging me more than 2 0 % interest. I even contacted the Attorney General regarding this issue right after I made the purchase.
|
| 01/20/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
Hello, what happened was I ended up getting the car I got with loan threw J.D Byrider. As the car got stolen, n reported stolen whomever stole hit totaled the vehicle and left it. The state police around XXXX, nj found it and brought it to a towing place in XXXX, nj. Filed the stolen car report and it took 8 months for cnac to place claim. When it finally went threw it was only XXXX XXXX and sum deducted from loan pay out. That was full coverage I had, usually full coverage, theft, etc. J.D.Byrider did n't even go n take pics. To put claim in! They expect me to pay back the loan, I have n't the vehicle, n as I said got their full coverage threw their co.
|
| 02/16/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
To whom it may concern : I Bought my XXXX XXXX from you guys back in XXXX of XXXX. I took it to a auto care business, because the engine kept on running on Hot. So I took it in to get it looked at. What it came down to that the tranny is going out of the XXXX that I bought from you guys. Your company can either fix the issue on my XXXX other was I will be sueing for fraud, whitch I have an appointment with a attorney on Tuesday an he is extremely interested in taking my case. You guys have til Tuesday the XXXX XXXX before XXXXXXXX XXXX to fix this issue or Im handling this over to my attorney.
Now it has happened again, XXXX XXXX of XXXX IL.
|
| 08/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
JB BYRIDER CNAC XXXXXX/XX/XXXX I was told by the dealer if I cosigned I would only be on the loan for 6 months and then after 6 months I would be removed now they want remove me the person who has the vehicle is about to file a XXXX XXXX XXXXnd they won't give me any information and they only reason I put my name on this vehicle is because the sales guy as well as the manager stated my name would only be on their for six months. And here we are in XX/XX/XXXX i have called emailed and no one would help me they used deceptive practices to get my name on the loan know they won't uphold their end of the agreement and my credit is being tarnished.
|
| 10/15/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
On XX/XX/2015 my Stepmother received a phone call on her cell phone from XXXX Byrider asking if I was going to come in and make my payment. I was not past due my payment was due that day. You can see from my payment history. My personal and loan information was disclosed they discussed that I was due for my payment. Under the terms of my loan agreement listed under Remedies A : you are considered to be in default at 30 days. They also violated the consent to monitor and record phones calls. My Step Mothers phone number is not publicly listed and she did not give her consent. I want to be released from the loan and have the title to the jeep.
|
| 04/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I submitted disputes for my loan with CNAC through XXXX 3 times and it is still reporting incorrectly. It is showing up as a repossession and discharged in a bankruptcy. This car was not repossessed for more than 2 days.
This is causing me financial damages due to my credit score dropping.
It states that the account was closed on XX/XX/XXXX and opened on XX/XX/XXXX. It is also reporting as closed and paid off XXXX XXXX
The last report was XX/XX/XXXX ; however, I have been making payments since then.
Based on how they are reporting, they are collecting a debt on a vehicle loan discharged in a bankruptcy which was XXXX XXXX paid off.
|
| 05/06/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 08/23/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
Our XXXX XXXX XXXX was repossessed. XXXX XXXX and XXXX gave us a list of things to do to reclaim the car. We completed everything on the list including paying {$210.00} on XX/XX/XXXX. Updating employment and residential information, and securing insurance. We were told we could reclaim the car by XX/XX/XXXX. On XX/XX/XXXX we were then told we had to sign some paperwork and could reclaim the car on XX/XX/XXXX. On XX/XX/XXXX myself and the co-signer went to XXXX XXXX to sign the papers and pick the vehicle up. We were advised upon signing the paperwork that the vehicle would not be released that day due to a clerical error on their part
|
| 08/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/XXXX i received a notification from my credit card company as well as XXXX XXXX that a " Hard Inquiry '' was done on my credit report. It's been almost 4 years since i purchased a car from the CNAC finance company and since I've worked with them i have not authorized the company to pull my credit report to purchase a new vehicle.
I called into CNAC and they have no knowledge of anyone pulling my credit report and said that they would need my authorization to access my credit.
The hard inquiry has lowered my credit score and i have not been able to get an answer as to why a credit check was done without my permission.
|
| 07/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
On XX/XX/XXXX of XXXX XXXX XXXX reported to XXXX that my account payment status is pays account as agreed, Balance update was XX/XX/XXXX of XXXX. Account closed.
Now here it is XX/XX/XXXX XXXX XXXX and XXXX XXXX is reporting on XXXX and XXXX that Payment Status is Bad debt & placed for collection & skip Status Updated XX/XX/XXXX.
This is totally wrong to report for almost 4 years as a account being paid as agreed and then change it to a negative status and keep on record till XXXX.
Please help get XXXX and XXXX showing a good status as XXXX XXXX reports are wrong and for 4 years I was in good standings and now I am negative???
|
| 09/11/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$7900.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2001 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
|
| 02/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/XXXX CNAC ran my credit with my verbal consent. They did not have the product I wanted so I told called to change my mind about furthering the application process.
On XX/XX/XXXX CNAC ran my credit again without my verbal or written consent. I called XX/XX/XXXX and was told I would get a phone call relaying the solution to me. I did not receive a call that day nor until XXXX on the next day. I called again and was told my the CNAC employee she would personally email me when the solution is put in place. I do not trust them whatsoever as I did not give any other information or idea that I was going to purchase.
|
| 11/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Once more, I, XXXX XXXX, am submitting this CFPB complaint to contest the data you allegedly have on my credit file. I fell victim to identity theft once more, and I never authorized the charges and transactions with your company. I'm asking you to delete the information in my credit file that you are currently reporting in accordance with the Fair Credit Reporting Act. I don't think I ever signed a contract, and your blatant disregard for federal law is a breach of my legal rights as a consumer. Please get rid of the account that is included on my credit report, as I request of you.
CNAC - XXXX XXXX Balance {$0.00}
|
| 12/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
This is my third and final attempt before legal action is taken for a credit inquiry from J.D BYRIDER showing on my credit on XX/XX/2022. please note that I deny and dispute this inquiry. I am requesting a copy of a contract or an agreement. Please note that simply possessing my personal information does not give you the authority to report my information without my consent. CONTRACT OR AGREEMENT PROVIDED BY YOU MUST BE WITH THE ORIGINAL CREDITOR AND SIGNED BY ALL PARTIES INVOLVED. please also note that you are in violation of 15 USC 1681b. Provide the documentation or delete the inquiry within 30 DAYS.
XXXX XXXX
|
| 12/13/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
CNAC financing/JD Byryder intercepted my tax return before it hit my bank in XXXX, for an old car loan that defaulted through voluntary reposession in XXXX and portrayed themselves as a student loan in order to do it. I just found out this out today. The entire time, I thought it was a student loan that I paid off long before because that's what the IRS told me, but I can see in XXXX XXXX civil court search that it was actually CNAC that took it. A 9 year old debt collected by intercepting my tax refund before it was deposited into my account for a defaulted car loan. How are they allowed to do that?!
|
| 07/27/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
The short and sweet is this.
I went to XXXX XXXX for a car.
They told me that because i had no credit, that they werey only option. They even required me to have a cosigner.
I was sold a 2006 ford Taurus with a bluebook value of XXXX for a total of XXXX was not fully informed of all of the details of the loan. I was rushed through the signing of the paperwork.
I was duped. The car is not worth nearly what they charged for it.
It is usery clear and simple. They practice preditory lending. Anyone can look at any situation from XXXX and see this.
They are unprofessional and just bad people.
|
| 06/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.
XXXX - XXXX XXXX Balance {$0.00}
|
| 05/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Ive purchased a car through CNAC byrider but my car has a recall. I been without my car for a month due to putting it in a shop before I knew the car had a recall on the engine. My engine is gone & I spent all my Money trying to repair it. I even lost my job due to this and not having transportation yet they still expect me to pay it. The recall started years ago before I got the vehicle. I feel like they should have had XXXX inspect it before selling it to me. This has affected my family. I demand a settlement of {$300.00} because this caused me to lose one of the best jobs Ive had.
|
| 10/15/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Car was repossed twice in a month. Just paid over 1300 to get the car back. They had my car for 2 weeks, yet the payments were still going so when i got the car back the payment was due again the next day. I asked could they adjust the payment to the following week or 2 and was refused. 7 days later they came and took the car off private property.
The VIN number shows the car is a lemon and I'd been making payments 3 times the amount the vehicle was worth. XXXX for an XX/XX/XXXX.
I am not working they didnt have a hardship program.
I want to sue for emotional trama as well.
|
| 10/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
all XXXX credit Bureaus have CNAC on my credit reports CNAC is also ByRyder that sells cars automobiles to people they did NOT repo my vehicle... .I called them after paying 2 and a half years on it the car which was a XXXX XXXX I asked them to come get it cuz they wouldnt make the car right and it had serious issues ever since the day we bought it and they tried making us pay for it all plus the payments a month on top of that CNAC agreed on the phone if I returned the XXXX vehicle and I did WILLING... NOT a repo///they agreed it would NOT be put on any of my credit reports
|
| 07/29/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
hi I bought a car from jd byryder in XXXX and it was a hot mess. it broke every other week. so I told them to come get it. I paid XXXX for a XXXX mazada truck which was a rip off. I reported them to the attorney general because I was suppose to be in this program with them to fix my credit from day one they never reported that I paid on time. and now when they came and got it 3 months later because it kept breaking down they are still repoting that I owe them XXXX on my credit after they sold it for almost the same price they sold it to me for. I do not owe them nothing.
|
| 06/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have several misspelling and inaccurate information on my report incorrect balance amounts. And unknown addresses. Several companies are reporting inaccurate balances.
XXXX XXXX inaccurate balances XXXX XXXX XXXX CNAC reporting inaccurate balances XXXX XXXX My address need to be removed because they are inaccurate or inverted by the numeric portion of the address I would like to dispute this information because by law you are required to report accurate information. The compaines have reported inaccurate information and its preventing me from having a place to live
|
| 09/05/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
I purchased a vehicle through J.D. Byrider/CNAC almost 9 years ago. I started having problems with the vehicle and with trying to get it fixed and stay current on the payments it became overwhelming so i included the car in my bankruptcy. I contacted CNAC to have the account removed from my credit reports but they have refused to do so. the vehicle i purchased caused enough problems, and even with all the repairs and money i had to put into the car i still made sure i paid my car note on time. I want the account deleted off of my credit reports as soon as possible.
|
| 11/17/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
XXXX bills prepaid XXXX social security act signature is required to discharge debt loans are fraudulent due to XXXX bankruptcy so y the XXXX XXXX stole my car wen dey took my wet signature copy of the XXXX contract and turn it into treasury of state and for XXXX paid the 3rd day after I had possession NO FULL DISCLOSURE OF CONTRACT AND UP UNDER CONTRACT LAW is we 're the misleading practices come in but y'all XXXX now way the he 'll is up but try to keep us down and out not his XXXX XXXX XXXX I AM XXXX AND U XXXX KNOW DAT SO STOP PLAYING THE XXXX GAMES YO ....
|
| 12/04/2020 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Today between the hours of XXXX and XXXX XXXX the General Manager at JD Byrider on XXXX are XXXX XXXXXX/XX/XXXX and I were having a conversation about another agent, XXXX, and the illegal repossession of a XXXX XXXX XXXX XXXX I have contacted legal counsel and asked XXXX for contract, tracking number for a right to cure letter they stated was sent certified and payment history. XXXX and I were going back and forth. He then stated, I was trying to be nice to you but now you aint going to XXXX get XXXX! And hung up the phone. He called me from this number. XXXX
|
| 02/07/2020 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Consistently called my fiance and I at the same time, hung up when answered, had bill collectors or customer.service reps or whatever they are be extremely rude, asserting themselves into my life by asking me about money I might be getting and what I might be spending it on. Whether I owe them money or not, it is none of their business about my financial situation other than my job, my housing, my monthly bill expenses, and my phone number. I was even told I can ask them to stop calling but if a program comes up that might help me I will be ineligible for it.
|
| 12/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
On XX/XX/XXXX I mailed out a dispute letter via certified mail which was received on XX/XX/XXXX, 30 days later no response. on XX/XX/XXXX I mailed out a 2nd letter via certified mail stating how they are in violation of FDPCA, to this day I have n't received a responses what so ever, I have retained a copy my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the in dispute by consumer disclosure within the required 30-day period.
|
| 03/15/2021 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Sold me a vehicle that does not run. Refused to repair vehicle under warranty. Repeated calls to family members regarding the debt I owe. Refusal to tell me where my vehicle was located while being repaired. Contact more than 2x every 24 hours including to third parties and via Social Media. Threatening to take my property before the grace period of the loan expired. Constantly changing their phone number do that I have no idea who is calling me constantly. Refusal to accept a partial payment and bring account current within 30 days of missing one payment.
|
| 03/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My car was involved in an accident back in XX/XX/2021. The insurance paid it out and the company claimed I have a balance of {$2200.00} and wanted me to finance another car through them. I refused because of the customer service experience I dealt with the whole time that I had my car. The balance went from {$2200.00}, to {$4900.00}. I reached out to the company to resolve this and now they are saying I owe over {$5000.00}. They are trying to XXXXXXXX XXXX XXXX Owner XXXX XXXX advised he was going to look into this and he hasnt reached back out
|
| 01/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
During the month of XX/XX/2018 I was refinanced a car From XXXX XXXX due to the inflation I returned the car in approximate 19 days.Not owing anything what they speak of is a down payment I never received plates for the car I lost my job because it went out of business XXXX delivery service unable to pay car at time but I got a new job an they didn't give me time enough to pay it so I was unable to make it to work so the problem is they still reporting to all 3 Bureau negative payments causing my score to drop an also wouldn't return my money..
|
| 10/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
After looking over my credit reports. I noticed there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). the following accounts are listed below : XXXX XXXX # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATIONXXXX # XXXX, XXXX # XXXX XXXX XXXX & XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX.
|
| 03/25/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This request for Validation for ACCOUNT # CNAC-XXXX Date of Charge Off : XX/XX/2020 made pursuant to the Fair Debt Collections Practices Act. Be advised this not a refusal to pay, but a notice that your claim is Disputed and Validation is requested. This is NOT a request for verification or proof of my mailing address, but request for VALIDATION made pursuant to 15 USC 1692G Sec. 809 ( b ) of the FDCPA. I noticed that there has been an account placed in the charge-off status. I Request All Documentary evidence needed to Prove This Claim.
|
| 02/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX and this company " XXXX XXXX " both are reporting a fraudulent account on my credit report that doesn't belong to me as a result of identity theft. I tried disputing it multiple times on XX/XX/XXXX and XX/XX/XXXX with XXXX, and it was verified. Also, I proceeded contacting the company directly on XX/XX/XXXX with the information XXXX and XXXX supplied, and the United States Postal Services returned the letter stating, RETURN TO SENDER/MOVED LEFT NO ADDRESS/UNABLE TO FORWARD. Therefore, it's no way XXXX had properly did their job.
|
| 10/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a car loan with CNAC in XXXX, LA and there were some legal issues with them and I was required to start making payments to XXXX XXXX XXXX in XXXX XXXX, LA. I started making those payments to XXXX XXXX on XX/XX/XXXX and since then my credit CNAC has not been posting that my payments have been made. My credit report shows I am 30-59 days late currently and that is incorrect. This still stands are a dispute with XXXX. I have made all my payments in a timely manner. I have all payment receipts from XXXX XXXX XXXX in email.
|
| 10/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/XXXX at XXXXXXXX XXXX this company CNACXXXX XXXX XXXX ran my debit card without my consent. My account is not on auto pay and they had been calling back to back for at least a week or so prior to attempting to run a transaction. They couldnt contact me and decided to run the transaction without my consent. Luckily I didnt have anything in the account. This company get customers to sign unfair contracts saying they will repo your car if you miss one payment. They have multiple complaints and suits against them already.
|
| 07/24/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I authorized a hard inquiry from XXXX XXXX XXXX on XX/XX/XXXX for a car. I have notice that since then the same finance company continued to pull my credit report. This company has obtained my credit report XXXX more additional times without my permission, adding XXXX more hard inquiry 's. XX/XX/XXXX , XX/XX/XXXX , and XX/XX/XXXX were all unauthorized. Also, in addition to affecting my credit score , this company obtained my information and addresses that were unknown to them with out my permission.
|
| 05/16/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I have an open account with a company that I currently have a car with. I make regular bi-weekly payment to this company. They have done a hard inquiry on my credit report. On XXXX XXXX ,2017 my score declined by XXXX points for this unauthorized transaction. I contacted the company and asked them why they did this and they said because they were trying to get a hold of me and that I failed to return a phone call. My account was ( 1 ) ) day late.They said that they were not going to correct the transaction
|
| 04/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Since XX/XX/2020, we not only as a country, but the world has been affected by Covid. I had still managed to pay but note. But after multiple requests from XX/XX/2020, until now, the company has ignored the CARES act in offering assistance with my loan. I have spoke to over 20-30 agents. For a while it was literally someone new every time once my original account manager left. She was amazing! Her communication, humanity was unspeakable. I will commend XXXX I believe as well. This whole ordeal has been a nightmare.
|
| 04/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In my credit report payment history I am showing XXXX CO, XXXX CO, and XXXX N. I have never missed a payment on this account. The letters CO and N on the corresponding months are in red. My XXXX payment was on time and I settled the account for less than what I owed later that month. The representative told me it would not harm my credit to do so. They said it would still be good for my credit score but not as good as paying it in full. Later I found that not to be true. I am working to try to resolve that as well.
|
| 01/15/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
On XX/XX/2019 I made a payment arrangement to double pay for vehicle on XX/XX/2019 with my account manager XXXX XXXX and explained to him that I wouldn't be able to make the payment of XXXX but I would be able to make the payment of XXXX which was due on XX/XX/2019 and he refused to take payment and stated I owed a payment of XXXX and we got into a dispute about the amount and asked to speak with a supervisor and never received a call back until I was woke up on XX/XX/2019 by the repo starting I owe XXXX
|
| 06/28/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Ive explained that I have been out of the country for 10 years to XXXX FL XXXX and that the account they have is fraudulent. With proof. They have refused to take this debt off of my credit report and will not remedy this situation. This is affecting my livelihood and preventing me from creating a better life for my family as a man. My name is damaged. My credit is destroyed because of this and their tactics. If I owned this debt I would pay it. I have integrity but this is not my debt and is fraudulent.
|
| 07/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
This company has failed to comply with the Gramm-Leach-Bliley Act. As a financial institution collecting nonpublic personal information from their customers, there are certain disclosures i should have been made aware of. It was never CLEAR AND CONSPICUOUS that i had the option to opt-out of sharing my personal information to third parties. You have knowingly and willfully with held information that explained I the consumer can exercise that non disclosure right. You are in violation of federal law.
|
| 08/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I do have a loan with CNAC/XXXX but it was already closed and marked as Charge-off. I have been asking for the complete payment history of this account for me to review it but my request has not been granted and this erroneous information keeps on hurting my scores. I tried reaching out to both XXXX and XXXX, and CNAC/XXXX with no successful resolution. There was definitely an error on their part. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit.
|
| 05/16/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
The car is engine is out.
Due to negative equity and low value on the vehicle unable to trade the car in.
Requesting to have some assistance with this issue. The car no longer runs and I am wanting to know how to have this resolved to be finished with this contract as quickly as possible. I am being harassed daily about payment on a vehicle that no longer runs and I've had towed several times which still has a balance due to the over financing of the car and them rolling over previous loans.
|
| 02/03/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I leased this car in 2011 and paid for it for a couple of months and was unable to pay it and so they repossessed it.Its been six years plus that they have it on my credit report.I have paid two companies to try and remove this from my credit report without any avail.This has frustrated me alot over the years I have tried to apply for things even housing I have been denied because of this.So am appealing to u to try and resolve this for me since I have only one year for to stay on my report..
|
| 06/04/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Vehicle was totaled in an accident on XXXX XXXX and CNAC has been calling since anywhere from XXXX-XXXX times a day. Today we 've had XXXX calls wanting the remaining balance of loan after they received the insurance check. They are even trying to get us to buy another vehicle through XXXX Byrider to cover remaining balance plus the new vehicle price which there is definitely no way we can afford that with monthly income from social security XXXX. They are now threatening to take us to court.
|
| 11/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I sent a letter in to CNAC headquarters rescinding the contract between us and it appears as though they do not want to comply with the law regarding the consumers right to rescind the contract based on them not informing me of my rights when I originally signed for a XXXX XXXX through a branch office located at XXXX XXXX XXXX on XX/XX/XXXX. I have since paid over XXXX dollars XXXX of which went to replace the throttle on a vehicle which the engine light stays on continually.
|
| 10/27/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
My car was purchased XX/XX/XXXX and up to date on all payments when it was illegally towed XX/XX/XXXX and was under a hold by another party and could only be released to j.d. byrider I contacted cnac the company I was forwarded to by byrider and they told me a letter would be coming from byrider and cnac about how to go about the process or the car would be sold Ive never received a thing and this was XX/XX/XXXX. The car has been sold but its still affects my credit for the full car price.
|
| 02/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/2021, I contacted CNAC about a vehicle loan with them. I had informed my account manager that I would be voluntarily surrendering the vehicle back to them, because I was unable to pay for the vehicle any longer. She took information down about when I would return it and other issues with the vehicle. I received an email from credit karma that a hard inquiry had hit my account, upon logging in and reviewing, I noticed that CNAC had ran my credit without my permission or knowledge.
|
| 06/21/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I ( XXXX XXXX XXXX enter into a consumer credit transaction with CNAC-XXXX on XXXX XXXX XXXX. A consumer credit transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is a sum of all charges. A consumer credit transaction because I know the finance charge the sum of all charges I was not expecting a bill. XXXX-MD102 sent a bill which is a violation 15 USC 1692b. I have attached a copy of License. I have sent you by mail my affidavit and invoice.
|
| 10/09/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with a trade-in
|
|
Web |
|
|
XX/XX/XXXX paid {$2500.00} to finance XXXX XXXX XXXX ... this financial company work with individuals with bad credit or low income. The cars are old and have high mileage ... my car keep overheating and stalling. It been in shop for almost a month now. The finance of course still want me to pay loan. Im willing to keep paying if they can help me negotiate some type of solution so i can stay on road and be able to get to work. I still owe {$4900.00} on a car that only worth XXXX.
|
| 09/24/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
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Web |
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I was not able to make payments on the vehicle due to my XXXX and becoming ill from XXXX. I also became XXXX and my car was my only place of stay. A payment arrangement was made and my car was still repossessed due to non payment. JD Byrider was notified and it is on file that they were notified of my conditions & sold at an auction for {$720.00} leaving my remaining charge off balance {$11000.00}. Also being discriminated against as a XXXX & XXXX American/Caucasian male.
|
| 03/22/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
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I bought a car nearly three years ago through CNAC. I switched jobs in XXXX and called them to request that they push my payment date back by one week which they agreed to do. They still received both payments for the month of XXXX but have been calling me at work since then insisting that I owe them another payment. My payment was made. I pay every two weeks. I have tried to resolve the matter and have asked them to not call me at work which they continue to do daily.
|
| 03/18/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was damaged or destroyed the vehicle
|
|
Web |
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When I purchased the car part of the agreement was it was under full warranty all I had to do was take it to the place they have a garage I complained about a loud noise in the engine and they would not fix the car try to tell me it was fine then it broke down on me I left and they came and repossessed it.It has been over 7 years ago and when I dispute it they keep updating it under 2 different accounts on my credit report because a collection agency is involved also.
|
| 01/22/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
Complaint against buy here pay here dealership XXXX Byrider, XXXX PA for unethical business practices & fraudulent business practices that is targeting consumers with poor credit ratings & difficulty financing a vehicle such as illegal rigging of car mechanics in order to cause future issues that is targeting consumers that are already suffering financial hardship that hinders ability to purchase or finance a vehicle at other car dealerships due to poor credit rating.
|
| 04/15/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
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I would like to report CNAC, dba car now aacceptance company for harassment. I am fully aware that I am behind in my payments, but I have repeatedly asked them not to contact me at my place of employment in writing. They have ignored this request. I as well as family members have asked them not to contact us anymore and take the necessary measures to collect on debt, yet they continue to harass. Please let people know that they should not do business with this company
|
| 10/12/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
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Web |
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XX/XX/XXXX I had a XXXX and resigned from my previous job. I called and told them I would be late on my payment. I had a temp job and was able to pay my minimum balance. They came and took the vehicle. And sold the car to car hop across the street. And told me to pay the amount for XXXX dollars to get my car back which they sold and now they sticking me with the remainder of the car. Laws aren't build for us it used to help people like them crooks. Messed my life up
|
| 11/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
|
| 03/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There is a manager at this company that ran my credit without my authorization. There was no reason for the company to inquire about my current credit profile due to the fact that I already have an account with the business that is active, current, and in good standing. I did not give this company permission pursue a credit check at all. The company is XXXX XXXX located in XXXX XXXX, IL. The finance company thats works with the facility is CNAC Finance.
|
| 04/15/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
There has been multiple issues within this same situation.
1 ) The vehicle description did not meet the actual product ( carfax information was different that what was sold to consumer *AA ) -- -this was with an affiliated company2 ) Payments have been processed several time on the wrong dates. XXXXXXXX3 ) Payments have been processed with other methods which were not authorized. XXXXXXXX4 ) Contact with representatives has been rude and forceful.
|
| 01/31/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have submitted a certified letter to this creditor requesting validation of this debt and I specified please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. This creditor failed to provide that documentation. The only information they sent was my name, the account number and the amount owed.
|
| 07/31/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
XXXX - Company Amount - {$450.00} Company sent repossession after default in one payment. This was on XX/XX/2018. " Account Manager '' started speaking about my social media profile and continued to say " too bad you cant afford your car payment '' gave me legal advise to file bankruptcy. Account manager harassed me and continues to say my account was sent to an attorney for garnishment of wages. When they have not bothered to come get the vehicle.
|
| 06/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
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I got in a car accident XX/XX/2021 and I had insurance by XXXX and it was liability insurance. CNAC Didn't reimburse me for my tow as they said they would on the CAR CARE CONTRACT and I didn't receive no rental car when my car was totaled. I filled a claim with JD Byrider under the CAR CARE CONTRACT and JD told me that I had to wait for the claim to be processed. I never received nothing in the mail about me owing this amount on my credit report.
|
| 10/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights Under 15 USC 1681 section 602 states that i have the right to privacy, 15 USC 1681 section 604 ( a ) section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( B ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 08/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
In 2015 my vehicle which had XXXX insurance was totaled out. Insurance paid the majority of what was owed on the vehicle and cnac told us that the XXXX insurance that was purchased through them would take care of the the remaining balance. However they keep adding it back to my credit report as it is a new debt and it is currently owed. This is well over the time limit of them being able to report said debt, and they will not remove it.
|
| 07/03/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
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This is about XXXX and XXXX reps for cnac aka jd byrider. They call after and before collection hours are rude use foul lange and threaten me. They call text and email myself and the co buyer on the loan. They have even taken an unauthorized payment from an accou t that was not mine and then reversed it because it was not authorized. This company sold me a car that gas no air needs to be jumped everytime and then continue to harass me.
|
| 05/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
|
| 08/07/2015 |
Yes |
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
auto finance bank is now harassing me that I will go to jail. I got this vehicle XXXX months ago and have had nothing but problems with the vehicle smoking, breaking down, and now they said they will put a new engine in the vehicle, but now they wont and said they will come and get the vehicle, even though my payments are up to date. but ive had numerous harassing calls that are recorded, and texts of name calling and other things
|
| 12/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
I made 2 carpenters, XX/XX/2022, in three days later XXXX illegally repoed my car. They said it was because I defaulted on my well no it wasnt. They have a bad accounting practices. Here is my bank statement from XX/XX/2022 and heres their statement from XX/XX/2022. I didnt make my two parents they never recorded them!!
I will see you guys in court since you have avoided your own contract. Theres no arbitration. Have a nice day.
|
| 03/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 09/16/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I have a finance agreement with XXXX XXXX XXXX for a XXXX XXXX XXXX. I pay {$340.00} on the XXXX of every month toward my loan but this payment is not a recurring automatic payment. This month after I refused to pay because the company XXXX XXXX XXXX refuses to fix my car so that it will pass inspection they illegally took out money out f my account that I did not authorize. I would like to make a formal complaint against them.
|
| 04/01/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!
I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
THIS IS NOT MY DEBT!
|
| 06/08/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
CNAC representatives say I owe over {$9000.00} to them for a vehicle I have not had for 8 Months now and even with showing physical letters that were sent to me by them with dates, and also submitting Disputes it remains on my Credit and has stopped me from getting another Vehicle from anyone else, I have been without a vehicle for over 8 months and my Credit took a Huge hit from this Debt that I have Proof I owe them {$0.00}.
|
| 10/23/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
We bought a car at XXXX. ByRiders in 2008, a XXXX XXXX which was traded for a new vehicle ( XXXX XXXX ) and the XXXX XXXX was paid off during the transaction! We do lot owe the balance they claim. XXXX XXXX has falsely accounted for a debt that we are not liable for.
The car they sold us was over priced and had mechanical issues. The debt collection amounts is illegal and we seek help to avoid paying such claim!
Thank you!
|
| 12/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
|
| 10/04/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XX/XX/2019, I called the Creditor for CNAC, I wanted to start making payments on my past due amount, {$25.00}, and they would not accept payment that low, they said the lowest that they could accept is {$200.00}, I them I can not afford {$200.00} a month, that's why I called them it offered $ XXXX month. Even though I am the one that called them to set up something to work on the balance, I was denied a payment agreement.
|
| 05/24/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I bought a car from XXXX and their financial lender CNAC in XXXX MO my cosigner has near perfect credit score and my interest is 28 % I have asked to be refinanced but my loan company does n't do that. I 'm gon na pay over XXXX for my car that is only worth XXXX I went to a bank to try and get refinanced and she told me to complain to you guys so they can be investigated because they way CNAC did me was way wrong!
|
| 04/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've contacted All 3 credit agencies in regard to these hard inquiries on my credit report. These are all unauthorized. I've called many times and every time I'm not getting the assistance that I need. I make a request to speak to a supervisor and the representative always disconnect the line. Can someone please assist me? I don't know about either of these inquiries. Also, the company that I'm referring to XXXX.
|
| 12/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
This account is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaint.
CNAC - XXXX XXXX Balance {$0.00} ;
|
| 11/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
The 3 Credit Bureaus are reporting inaccurate information on CNAC OH130. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
|
| 07/26/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
My debit card was charge without authorization on XX/XX/2015 for {$180.00}. I did not tell them to take a payment. I was called serval times and received an e-mail to contact them. Shorty after someone took money out of my account which I needed for my rent and has conflicting effects with other bills I had! I work in this industry and this is considered fraud at my company for running a payment without consent.
|
| 03/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
|
|
Web |
|
|
My car has been in and out the shop for repairs Im paying every two weeks I dont feel Im getting my moneys worth out of my car Im having to pay people to take my husband back and forth to work havent had the car thirty days its not far Im out of more money and youll are winning Im trying not to file a lemon law on this vehicle. I have even ask them to let me trade out the car and Im not getting any response
|
| 08/11/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I purchased a car through XXXX Byrider in XX/XX/XXXX. Their bank is CNAC. after purchasing the vehicle, they have pulled my credit report without permission on numerous unauthorized occasions. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. These are hard inquiries and they did not have my permission/nor need to pull my credit report without my permission.
|
| 01/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
I got a loan for a car and I really didn't understand the interest rate at the time i was just excited to be driving. So they did a credit check and ask me to put money down and told me to provide my own insurance. The interest rate is XXXX XXXX which is against XXXX law in XXXX.On XX/XX/2021 I entered into this contract.I asked for refinancing and tgey told me that they are not certified to refinance.
|
| 03/12/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I was behind on the loan and got caught up. The loan is due on every other Friday and I get paid every other Monday. I made a promise to pay on the Monday that I pay, so my promise to pay was XXXX/XXXX/16 and I got a phone call harassing me about my payment after I made the PTP. They called me 3 times and sent a text message. I called them and was told if you pay your bill on time I would not call you.
|
| 06/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In XXXX I opened an account with CNAC also know as JD-Byrider. Now in XXXX the car was totaled and paid off by insurance and if there were any extra costs that were not paid by the claim then the protection plan I paid extra ( for not having full coverage ) to JD-Byrider would have covered the remaining total of the loan I have attached two photos showing the beginning and endling balance of the loan.
|
| 11/15/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
i went to triad in my car for a newer one and was told that my car is not worth what they are charging me and that i have XXXX $ in negative equity and i still have over two years left on the loan and owe over XXXX $ and i was told that my loan should of been paid off because its not worth what they are charging because my car is only worth XXXX $ and by the time its paid off it will be worth XXXX $
|
| 03/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
XX/XX/2020 I filled a dispute they removed from one credit report but not the others two. Cnac its causing me not to be able to get a job of employment because false repo on my records I ask the car people to pick car up do too not having a job I was on workers compensation. They still put this vehicle on my credit report and they arent responding to disputes are anything only removed it from one.
|
| 07/27/2022 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have a car loan through CNAC. They have consistently called me multiple times in a day. On XX/XX/22 they called me XXXX times once at XXXX, XXXX and again at XXXX pm. They have called twice on XX/XX/22 once at XXXX am and again at XXXX am and it is currently only XXXX am. I have asked them to cease all calls and communicate only through letter or email, however I have still received calls.
|
| 06/01/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I financed a car for over XXXX dollars, I became XXXX when I only owed {$2400.00}. Car appectance now company XXXX CNAC XXXX informed me after they reposed the car, they then sold the car and I now owed the balance after the sale. Which at that time was stated {$1800.00} some odd dollars. They in turned reported to all three credit bureaus an incorrect amount due balance is still {$2400.00}.
|
| 07/25/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have contacted and sent Fraud Affidavits to CNAC. Also, I have disputed this account with all XXXX Credit Agencies who stated that CNAC verified that this account belong to me. I find that hard to believe since I was never able to get a response back from CNAC. So, I really need your assistance in getting this matter resolved. I am tired of going back and forth without getting in results.
|
| 11/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
The company is reporting I owe {$5800.00}, im sure the seller has already sold the vehicle to another individual. The Fair Credit Reporting Act comes with the ability to dispute credit report items that are fraudulent, inaccurate, outdated, or unsubstantiated. This type of tradeline is considered unsubstantiated and I am kindly requesting that this tradeline be removed from credit report.
|
| 04/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Jd byryder ran my credit and told me they would not be able to get me a loan for car. Then sent my a letter stating they can give me loan for car. When I called them they said no, we will have to wait until 30 days from the time u 1st applied and then run your credit again. Well Im getting denied due to to many inquiries. But these companies send FALSE misleading info to get the inquires.
|
| 11/04/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am disputing this as a fraud. I never opened this account and when I received information about it being opened I contacted the company. This action happened in XXXX of 2016. They informed me that I would not be held liable for the account but I have been. This action has impacted my credit report because they have turned it over to a collection agency who has reported it as a debt.
|
| 12/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I got a car from JDByrider in XX/XX/XXXX the car was returned to them in XX/XX/XXXX I also filed a XXXX XXXX bankruptcy XX/XX/XXXX that included this account. I was looking at my credit report today and they are reporting that this account was closed in XX/XX/XXXX. This is incorrect and I would like this removed from my credit repor asap because they are reporting false information.
|
| 04/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Company : XXXX Amount : {$10000.00} Dates : XX/XX/2015 Ive contacted this company multiple times and have expressed that this account was fraudulently opened in my name as I was across seas at the time. Ive submitted police reports on the matter and they are still reporting this fraudulent account to my credit file. It needs to be removed immediately! Attached is my police report.
|
| 04/05/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
The following company is using my information without my consent. I asked the company to validate proof that I gave them consent to use my information and place negative information on my credit profile. After numerous complaints to the company no action was taken. I demand that this company remove these negative remarks off of my credit file due to the fair credit reporting.
|
| 10/20/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I FILED CHAPTER XXXX. THE CREDITER DID A HARD INQUIRY AFTER I GAVE THEM THE CASE NUMBER AND MY LAWYERS INFORMATION .WHICH RESULTED IN MY CREDIT SCORE DROPPING.THE DID NOT HAVE PERMISSION TO RUN MY CREDIT. THIS ACCOUNT WAS ALREADY CHARGED OFF AND THE INQUIRY SHOWS IT BEINGING ON MY CREDIT REPORT FOR TWO YEARS. MY BANKRUPCY CASE NUMBER IS XXXX AND THIS LOAN IS INCLUDED IN IT.
|
| 12/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I filed bankruptcy in XX/XX/2021 and the CNAC account on XXXX is currently listing that I owe on the account when it was actually included in the bankruptcy. I have disputed with XXXX several times but no changes have been made, the bankruptcy petition was also sent as proof, the other two major credit bureaus are reporting correctly this account as included in bankruptcy.
|
| 12/17/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
The company is CNAC- car now acceptence company. They are trying repossessed my car and charge high interest on car loan. CNAC- engaged deceptive practice and charge very high interest rate for their cars. I am struggling pay for my car and threatening repossessed my car. I try to pay for my car and even made a couple of payments, they told me they will repossessed my car.
|
| 03/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I called XXXX on XX/XX/XXXX regarding several inquiries that were on my credit report even on that's listed twice. XXXX XXXX told me to contact the companies and ask them to do something about it and send a letter of deletion back to them. I called the numbers listed and I either got hung up on. They did know what I was talking about or I was just on hold with no results.
|
| 11/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I have been trying to dispute this account that is on my credit report. I am not aware of this account and have asked the company to send me any Original Signed Contracts verifying this debt owed. I have made three attempts to send letters asking for all supported documents that supports their claims. This company has not responded within 30 days.
Date Opened : XXXX
|
| 09/04/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I traded this car in in XX/XX/2015. Ive asked them to remove it off my credit report numerous times. JBByrider told me that they did remove off my credit report said the debt is paid and I dont owe them. But every month they add some new comment to my account. I would like this off my credit report because it is messing with my score and showing up as a negative item.
|
| 08/23/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
After reviewing my credit report today I noticed that here are two reporting on my credit report for the same auto loan from 2010. This is inaccurate there was only one lien taken out on the vecihle went I returned back to the dealership after numerous mechanical issues I expected with the dealer. The lien was paid and should only be reported on my credit report once.
|
| 03/21/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
My husband and i bought a car through XXXX XXXX and they went out of business. They sold the debt to another agency.Did have my permission to sell it. The abutration said that it cant be sold without my consent. Then that company sold the loan to a collection company. This debt is going from hand to hand.SO from XXXX XXXX to XXXX, to XXXX to some collection company
|
| 02/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
I signed a vehicle loan XX/XX/2021. I have made my bi-weekly payments on or before the due dates. never missed one. CNAC ( CAR NOW ACCEPTANCE COMPANY ) has continued to deny reporting my loan to the credit bureau. I have had numerous phone conversations and have countless emails back and forth stating they are fixing a problem ..this has been going on for 7 months.
|
| 06/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
There are two accounts on my credit report for the same auto loan.
The company is CNAC XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX ( XXXX ) XXXX They also performed a hard inquiry on my credit when I defaulted on the loan amount and my car was repossessed.
Date : Inquiry fromXX/XX/2018 was not aware of this nor did I authorize. Not sure what I can do to resolve these
|
| 12/05/2020 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have been contacted multiple times a day everyday by this company. I have told them this is against FTC laws and they say it is not, and they will continue to do so until I pay a balance I do not agree with. This week, I was contacted 17 times. I have tried working with them and they are refusing to work with me or come to an agreement regarding the amount owed.
|
| 05/23/2018 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I sent in a complaint on my XXXX complaint # XXXX how XXXX is lie about how I pay them XX/XX/2016 and it never happen they are just trying to stay on my credit longer I was able to log in my XXXX XXXX so I would love if I can get this complaint sent over or told again so I can know there response please and thank you cause there liein I never pay them XX/XX/2016
|
| 09/07/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
|
|
well its a long story but apparently the got the documents showing we were filing for chapter XXXX with affirmation of vehicles and they came and took the car husband went after them all the way to XXXX ar and they wouldnt let him get his things or anything and making him pay to get it out and wont let him and wont work with us jd byrider XXXX ar XXXX XXXX XXXX
|
| 12/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have sent debt validation letters to the company asking for proof of debt and have yet to receive a reply from any of the letters that I have sent via certified mailed. I first contacted them back in XXXX and recently I have found that they are not authorized to Collect Debt in the STATE OF FLORIDA WHICH REQUIRES THEM TO BE LICENSED, BONDED AND INSURED.
|
| 06/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Hello, I agreed to pay the balance owed on my auto loan after it was in a charge off status in exchange for the negative account being removed from my credit reports. Creditor did not uphold their end of the bargain as the account is still reporting on my credit reports, which is damaging my ability to obtain new credit due to my lowered credit scores.
|
| 04/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Company : XXXX Amount : {$10000.00} Dates : XX/XX/2015 Ive contacted this company multiple times and have expressed that this account was fraudulently opened in my name as I was across seas at the time. Ive submitted police reports on the matter and they are still reporting this fraudulent account to my credit file. It needs to be removed immediately!
|
| 05/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
CNAC of XXXX PA is reporting an old account passed 10 years old on my credit report that was paid off in 2014. I have tried to get this company to take this off my credit report for years now to no evail. The information provided on my credit report is inaccurate and passed 7 to 10 year mark and should no longer be on my credit report. Please help me
|
| 08/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
To whom it may concern, I am writing to request information about the account CNAC XXXX, on my credit reports XXXX, XXXX, XXXX. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.
|
| 10/02/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
JD BYRIDER { CNAC }, XXXX, Iowa has been taking car payments, electronically out of my checking account for the last month and a half without my permission or consent for a vehicle loan that is in no way associated with me or my name.I am XXXX years old and am trying to survive on a fixed income and now have a negative checking account balance.
|
| 01/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Its the constant every two weeks to the date they call when payment is due. I dont even get to the end of the day! Its harassment when it doesnt need to be. My car is almost paid off! I tried to make a {$100.00} payment today and payment was refused! I dont need a car loan company calling me the day my payment is due! Thats very loan sharkish
|
| 03/23/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I paid deferred down payments and few payment into the loan on a XXXX XXXX XXXX and XXXX XXXX charged me XXXX this is considered dealership fraud i did sue XXXX XXXX and XXXX XXXX for accepting a loan that is way more than what the car is worth I have papers and proof that i sued please take care of this asap! i have contract details etc.
|
| 10/15/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I made a payment with my debit card for someone else 's Auto loan. The account manager, XXXX, billed an unauthorized charge to my card, saved the card to file when I told him not to, and continues to call and hang up after I told him not call my anymore. I recorded the conversations I have had with him and with his Manager XXXX XXXX XXXX.
|
| 08/15/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I returned the car back to CNAC and I am sure they resold the car I do not owe this much I had to return the car myself when I told the person I could n't afford this car she said if they come get it I owe XXXX up front HOW DO I CHECK INTO THIS the amount they have ca n't be real if they resold the car PLEASE HELP GET THIS OFF MY CREDIT
|
| 08/19/2018 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Car was purchased from XXXX XXXX it was originally XXXX and was then sold to XXXX XXXX XXXX. The account is over 7 years old but company is using the date it was sold and not the original date. XXXX deleted the account however XXXX and XXXX after repeated attempts including giving the documented proof they refuse to remove the account.
|
| 05/07/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
I needed to buy a car and went to JD Byrider in XXXX WV. They say they do not do a credit check and they do not base their decision on my credit but they did. I checked my credit report and they did an inquiry on my credit. The sign out front said no credit check. I did not get a loan through them but they are false advertising I feel.
|
| 02/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I filed bankruptcy XX/XX/XXXX this debt was discharge and XXXX continues to do hard credit checks without my authorization XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX these are just some of the times they have run my credit without my authorization I want it stopped immediately.
|
| 10/21/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
The people in charge of my loan ( J.D. Byrider/CNAC ) isn't honoring the warranty in the contract I signed with them, and I want to get out of the loan. My Vehicle 's been in service ever since XX/XX/2019, and it's XX/XX/XXXX. I'd also like this month 's payment back as I haven't had access to my vehicle with them since the XXXX.
|
| 09/24/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
They put a late on my credit for my car that the payment for XX/XX/19 that was paid in full before the payment was due. They also had auto payment setup on account anyway never should have been late because if there was an amount past due they should have auto taking the ACH. I am trying to close on my home and this is an issue.
|
| 11/24/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I got financed through XXXX XXXX Byrider XX/XX/2017 and I am paying way to much. I'm paying almost XXXX for a XX/XX/2005 XXXX XXXX. Its confusing because none of the number match up, like the trade value, i did not put XXXX on a trade in. They charged me a reconditioning fee and didnt recondition it. Everything seems fraudulent
|
| 01/24/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
This, car was not working correctly since I got it from the lot. I took it in a few times for service and the engine light was always on. I had to return the car back due to all the trouble it was giving me and I was paying more out of pocket to have a mechanic fix it. The car was returned and I am still getting billed for it.
|
| 03/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
|
|
Good Morning, I had a loan at J.D. Byrider I voluntary surrendered my car. I told them many times that they do not have permission to take money from my account and they keep doing it. Today they took the payment again without my permission and it was from a credit card not my debit card. The total amount was XXXX. XX/XX/22
|
| 11/25/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I've seen no changes for the accounts that I have filed last month, I still see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
|
| 10/03/2018 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
XX/XX/XXXX at XXXX called work when i asked them not to XX/XX/XXXX around XXXX, XXXX called my work when i asked them not to XX/XX/XXXX- called my human resources department to confirm i worked there XX/XX/XXXX- at XXXX called me again at work when & asked them not when when I have already told them not to
|
| 05/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
|
| 05/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
|
| 07/03/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
A finance officer named XXXX is repeatedly using my credit cards on file to pay on my car loan without my permission. The last time was XX/XX/2018. I've talked with XXXX and his manager Ms. XXXX and this unauthorized practice is still occurring. For the past year I've been making payments on my own.
|
| 04/02/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Both my auto loan holder CNAC XXXX, WI and my insurance agency ( XXXX ) take their payments up to a week early on a regular basis. Also as a part of the purchase agreement XXXX XXXX was to replace the front bumper of the vehicle of which I have complained about for two years now with zero results.
|
| 06/02/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
They're attempting to charge me a debt for a vehicle I never purchased. I I was thinking about buying the car.I had he car 2 days then returned it because, it wasn't properly maintained had several engine issues. Sales Manager didn't want to honor me returning his car.
XX/XX/XXXX -XX/XX/XXXX
|
| 06/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
|
| 01/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
CNAC is calling to collect a debt from my XXXX. The first time they called I told them to stop calling me and remove my number.
They claimed on subsequent calls that my XXXX had authorized them to contact me about the debt and that they could continue calling me regardless of what I say.
|
| 01/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
VOLUNTARY REPO OF A CAR BY XXXX. They falsely state their terms of their loan. They sold the car for {$700.00} and want me to pay almost {$10000.00}. XXXX and XXXX XXXX has deleted from my credit report but it still remains on XXXX. They are also in violation of the arbitration clause.
|
| 11/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
My credit was used on XX/XX/XXXX and I did not authorize anyone to pull my credit and to leave a hard inquiry the company name that shows on my report is XXXX its only showing on my XXXX report. I would like for this inquiry to be removed I also filed a report with identity theft gov
|
| 01/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XX/XX/17 disputes sent through all credit bureaus regarding closed accounts still reporting on credit report after discharged bankruptcy. XXXX responded saying the account information is correct. All closed accounts should be removed as they are no longer my responsibility to pay.
|
| 09/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I put in a request for my cnac account to show paid in full. I have had it.Im tired of waiting for your update. XX/XX/XXXX I will be filing a lawsuit against XXXX and XXXX. I sent you the proof the account was paid in full. There is a difference between paid in full and closed.
|
| 06/26/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
Hello Im contacting CFPB to help me out with a car loan/repossession it showed up on my credit report as closed I want it removed so when my credit Score is being rand I dont want that closed account for {$10000.00} to show up and this account was in XX/XX/2016 Can you help me
|
| 04/23/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
XX/XX/2015- validation request was sent to CNACXX/XX/2015- XXXX validation request was sent to CNACXX/XX/2015- XXXX validation request was sent to CNACThere has been no response despite having sent the request to address on credit report and another address found on line.
|
| 01/13/2017 |
Yes |
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
Older American |
|
Need to have a letter giving me a chance to try and get a fair amount to pay back, no one has written or call.I understand I took the car back because it was junk, but they need to send me something, I do n't have the money for a large payment, but the car was a lemon.
|
| 07/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I called the companies that ran my credit report and they were not willing to help. I need these two inquiries off my report. CNAC Financial and JD Byrider. I have not applied for anything and have not used my social security number on the internet for anything.
|
| 07/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Due to my car situation and not being able to get a rental due to losing my job etc. I want a better car payment. I was able to get some extra cash by paying extra on my car payment but I still lost a good paying job. Plus having XXXX XXXX, daycare is not cheap.
|
| 06/13/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
After filing bankruptcy, the car loan company made an inquiry on my credit report on XX/XX/2019. This will negatively impact my future chances even further at obtaining new credit. XXXX continuously calls me and everyone I listed as a reference on my auto loan.
|
| 03/06/2018 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
i have not talk to XXXX/jd byrider in 7 to 8 years and they are lie to XXXX credit report saying i made a payment in XX/XX//2016 when i never pay them anything trying to stay on my credit longer and its wrong and bulling me to not be able to have a life
|
| 06/30/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I opened a loan with cnac_XXXX on XX/XX/XXXX and I have recent inquiries only credit dated XX/XX/XXXX and XX/XX/XXXX I need those removed off my credit report being that I did not authorize this company to pull my credit report after XX/XX/XXXX
|
| 04/19/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
|
| 06/30/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I opened a loan with cnacXXXX on XX/XX/XXXX and I have recent inquiries only credit dated XX/XX/XXXX and XX/XX/XXXX I need those removed off my credit report being that I did not authorize this company to pull my credit report after XX/XX/XXXX
|
| 10/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I paid off my vehicle in 2019 and still have not received the title with the lien released. They sent me a letter, however in Ohio you can not use the letter as the Lender holds the title. I want the title to my car that I have paid in full.
|
| 10/05/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
|
| 08/31/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
|
| 12/25/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
Look on my credit report and I see I had a previous account open with XXXX I filed an Identity theft report with the local police department and submitted all the information over to the credit bureau but XXXX refuses to remove the theft.
|
| 01/27/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
The car was a voluntary repo back in 2008 and should be reported as closed and not an open collection file on my credit file, several attempts made to correct my credit file and the file should not be reported since its over 7 yrs old.
|
| 07/15/2020 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The amount that the company has is wrong. Its because I havent heard from the company in 3yrs. I no longer have the vehicle. I have tried to contact them and I havent gotten a response. They have never notified about the real balance
|
| 12/23/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I visited XXXX XXXX XXXX & got a loan through XXXX for a vehicle in XXXX. In XX/XX/XXXX I totaled the vehicle & my insurance company paid out XXXX. This is currently showing on my credit as being reported late with a XXXX balance.
|
| 10/23/2019 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I am in bankrupty. The vehicle I financed was turned back into the loan company. The loan company continues to call me 16 to 20 times per day. When I start they hang up. They have called family and friends to harass them as well.
|
| 09/15/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Web |
|
|
I am homeless with my XXXX year old and I need to get an apartment for her and me, I can not efford to pay my car on a monthly basis, I would have to choose my daughter well being or live out of the car.. I choose my daughter.
|
| 05/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
XXXX XXXX XXXX paid off why is it still showing take it off XX/XX/XXXX - XX/XX/XXXX CNAC is closed take off XX/XX/XXXX closed XX/XX/XXXX To Many Inquires showing They need to be taking Off As Well any Bad Charge-off showing
|
| 12/17/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On two occasions, within a span of 2-3 days, my credit was used to try and finance a vehicle. I had no knowledge of it and did not authorize these inquiries. I contacted each one of them by phone and they refuse to help me.
|
| 03/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I just recently retrieved my XXXX XXXX Credit profile and I noticed that there has a been some mistakes. There are two inquiries that I do not authorize and was not present on my credit report last year in XX/XX/2017.
|
| 08/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Never use there services was told it was not me and to please remove from credit report the woman told me know and asked her to please send me all information Id paperwork signed by me saying it was me never received
|
| 05/31/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
My number was provided as a reference and I continuously get calls even after I 've asked the company to not call me looking for the borrower or to relay a message to their borrower who has a working phone number..
|
| 12/24/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
My name is XXXX and I co sign on a car XXXX XXXX XXXX my friend filed bankruptcy on the car they charged it off and they still trying to makee pay I sent the request to XXXX and no answer I disputed it no answer
|
| 06/05/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I ask them to correct information on my credit reports from all XXXX bureaus and they have failed to do so. I had a car loan from CNAC in XXXX, WI and they sold a false claim to them in the amount owed by me.
|
| 06/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I tried disputing the account due to all of the wrong information including the payment history, and how they are still reporting even after the charge off date and the account has been closed for years
|
| 07/04/2017 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I had a car through CNAC ( JD Byrider ) that was since repossessed. For three months in a row, CNAC made hard inquiries to my credit report without my authorization. I did not authorize these inquiries.
|
| 04/19/2017 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Account terms and changes
|
|
Web |
|
|
CNAC car creditor keeps updating status on my credit report that should have been removed when the original date was XXXX of XXXX and XXXX wo n't remove it. Its showing up as a paid charge off.
|
| 05/08/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I had a vehicle financed with CNAC ( JD Byrider ), I requested that they pick up my vehicle in XXXX 2013 around the XX/XX/XXXX. They did n't come to pick up the vehicle until about three weeks later.
|
| 06/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Pursuant to18 USC 8, I owe no debt. This Company violating my customer right to privacy pursuant to 168 1b 2. company also has no permission to report ANYTHING using my info pursuant to 15USC 1681 4
|
| 12/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have no recollection of ever belonging to me with these collectors/creditors. I have asked to submit proprietorship verification on numerous occasions, but they have not yet agreed to my proposal.
|
| 12/31/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
CNAC requires payments every 2 weeks but they report monthly and the monthy amount is incorrect. They also reported a payment in XXXX of XXXX even though I returned the vehicle in XXXX of XXXX.
|
| 03/14/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Im not sure the name of the company put they took the car back ... they told me if I wanted to return it would be off my credit I returned the car with no problems and its still on my credit
|
| 05/15/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
|
| 12/04/2016 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
My auto company CNAC makes repeated calls to me and XXXX other people that are my friends and relatives no matter how many times I give them what they need. It wo n't stop and it needs to.
|
| 05/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Cnac tx XXXX is reporting that I owe a balance they have already charged off & took the tax break on. Now a company can not take the tax break and still collect ( double dip ) on a debt.
|
| 08/08/2018 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Called to make my payment with XXXX XXXX in XXXX, TX on XX/XX/2018. They hung up on me multiple times and refused to accept my payment. Now they are attempting to repossess my vehicle.
|
| 12/27/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
I keep getting calls while at work ( Ca n't have my phone on me ) but every time I try to call they do n't answer nor listen to my voice message that provides my call back information.
|
| 04/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Acct # XXXX is reporting as if it is open. the vehicle has been sold from company by a third party and is continuing to be reported on the account as open. please remove, thank you.
|
| 12/25/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
No monies are owed to XXXX. XXXX took their monies on the XXXX of every month due to the fact that I signed up for automatic withdrawal. Account has never been negative.
|
| 03/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Between XX/XX/2023 and XX/XX/2023, CNAC charged off my loan as bad credit and then also proceeded to add an ADDITIONAL hard pull on my credit report WITHOUT my consent.
|
| 12/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have already paid off XXXX and it shows on my profile as a charge off which is hurting my credit scote ... could you please assist me in fixing this problem please
|
| 01/10/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
Is account was for my spouse and we are now divorced. I already has XXXX, look into the account and removed it from my name. I do not have possesion of this vehicle.
|
| 03/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 03/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 05/22/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I was a victim of Identity theft and sent XXXX over a copy of my police report and Identity theft report and they keep reporting this to the credit bureau.
|
| 10/20/2016 |
Yes |
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
CNAC Car finance company calling outside designated hours and are calling while I 'm at work, which I have asked them not to do and they do not listen.
|
| 11/13/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
CNAC - FL118 Never validated the debt and my request how the loan was written off and negative information needs to be removed from my credit files
|
| 09/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I purchased a vehicle through cnac and they agreed to settle my account in full but they reported it as voluntary repo and it was paid off in full
|
| 11/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Can't XXXX Was Notified that they are not reporting to XXXX four months ago and still not reporting and reporting the wrong payment on account
|
| 07/13/2015 |
Yes |
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
|
|
I am only XXXX days late with my payment. I pay XXXX for my car and I was called stating if I did not pay today, they were reposessing my car.
|
| 09/07/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Web |
Older American |
|
This account was including in a chapter XXXX bankruptcy in XX/XX/XXXX and was discharge in XX/XX/XXXX. They repossession the car and sold it.
|
| 05/29/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
Called me trying to scare me on debt. Did not even respond to what company they are working for and also threaten to drop off legal papers.
|
| 01/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Letter sent to XXXX to remove remark from credit report. Loan was closed through bankruptcy and is still being reported to credit bureaus
|
| 12/13/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
This account has been disputed and it was removed from XXXX but not XXXX and XXXX. Please have removed from XXXX and XXXX also
|
| 09/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
Servicemember |
|
I had an arrangement and kept it to pay off the loan with JD BYRIDER. It is still showing on my credit report as a judgement.
|
| 03/30/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Received a loan from XXXX XXXX and the harrasments and calling of references on a constant due to late payment is ridiculous.
|
| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There are hard inquiry 's from this company showing on my credit report. I have never applied from credit from this company.
|
| 03/11/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
the creditor has contacted and spoke to us 4 times in one day and threaten us each and every time they call and talk to us.
|
| 09/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The auto loan CNAC is showing closed with a balance. My report is suffering from this. I paid this account off in full.
|
| 03/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I was sold a car without a gas gauge and I was not able to get it registered due to criminal tampering with vin number
|
| 08/10/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
CNAC continues to contact employer for debt of employee. Has been asked each time to stop contacting corporate office.
|
| 10/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Never updates payment history. Showing balance when the account has been paid in full. Reports to credit a balance.
|
| 08/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
Servicemember |
|
Credit inquiry s done without my permission several times. By XXXX and universal credit XX/XX/XXXX or XX/XX/XXXX
|
| 02/08/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX Closed : XX/XX/XXXX {$8500.00} XXXX - XXXX Closed : XX/XX/XXXX {$5900.00} police report # XXXX
|
| 07/31/2017 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
Servicemember |
|
XXXX/XXXX/16 they were instructed not to call me at work. They call when it 's not even late
|
| 11/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
COMPANIES tried to run my credit with out my authorization please remove inquiries
|
| 07/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Placed credit inquiries on credit reports Didnt apply for credit with this company
|
| 05/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Account # XXXX
|
| 09/16/2016 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Called myself multiple times daily and many people i know several times
|
| 10/13/2015 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Calling multiple time in a row then sending emails repeatedly
|
| 03/28/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
That 's not me I never had all those accounts
|
| 09/09/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I am not liable for this vechical anymore.
|
| 02/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am an identity theft victim.
|
| 02/06/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
|
| 02/02/2024 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 01/26/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Postal mail |
|
|
|
| 01/22/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Company explaining amount owed
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/14/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 01/14/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Damage caused or loss of personal items in vehicle during the actual repossession
|
|
Web |
|
|
|
| 01/02/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Voluntary repossession
|
|
Web |
|
|
|
| 12/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
|
| 12/07/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Repossession
- Voluntary repossession
|
|
Web |
|
|
|
| 12/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Deficiency balance after repossession
|
|
Phone |
Servicemember |
|
|
| 11/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Account reinstatement or redemption after repossession
|
|
Web |
|
|
|
| 11/04/2023 |
No |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
|
| 10/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Loan opened without my consent or knowledge
|
|
Phone |
|
|
|
| 10/01/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
Servicemember |
|
|
| 09/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/17/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/12/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Phone |
|
|
|
| 08/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/01/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/24/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
|
| 07/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 06/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 06/04/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 05/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 05/03/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
|
| 04/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 03/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 03/13/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
|
|
|
| 03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
|
| 03/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 02/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 12/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 10/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Postal mail |
|
|
|
| 10/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
|
| 09/05/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 08/24/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 08/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 08/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Referral |
|
|
|
| 07/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 05/31/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 05/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 05/03/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 04/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Phone |
|
|
|
| 04/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 04/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/03/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 02/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Phone |
|
|
|
| 02/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 02/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 02/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 12/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 12/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem with product or service terms changing
|
|
Web |
|
|
|
| 12/09/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/01/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/01/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/04/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/27/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/12/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/31/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
|
| 08/24/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Postal mail |
|
|
|
| 08/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
|
| 06/29/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Referral |
|
|
|
| 06/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Phone |
|
|
|
| 06/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 05/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 05/25/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Referral |
|
|
|
| 05/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 05/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/11/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Phone |
|
|
|
| 05/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Servicemember |
|
|
| 05/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 04/21/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
|
| 04/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with signing the paperwork
|
|
Phone |
Older American |
|
|
| 04/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 04/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Referral |
|
|
|
| 03/23/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Fax |
|
|
|
| 03/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 02/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 01/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/25/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
Older American |
|
|
| 01/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/29/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 12/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 11/18/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/16/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Postal mail |
|
|
|
| 10/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 10/06/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
|
|
|
| 10/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Phone |
|
|
|
| 09/25/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Phone |
Older American, Servicemember |
|
|
| 08/31/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 08/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Older American |
|
|
| 07/24/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 06/25/2020 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 06/07/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 04/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Fax |
|
|
|
| 04/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 04/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/04/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
|
| 03/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with a trade-in
|
|
Web |
Servicemember |
|
|
| 03/19/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 03/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 03/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 02/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/03/2020 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
|
| 01/19/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
|
| 01/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/06/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
|
| 11/17/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/24/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 09/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Phone |
|
|
|
| 08/20/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/31/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Postal mail |
|
|
|
| 07/22/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Referral |
|
|
|
| 07/15/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Referral |
|
|
|
| 07/01/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Postal mail |
|
|
|
| 07/01/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Postal mail |
|
|
|
| 07/01/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Postal mail |
|
|
|
| 07/01/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Postal mail |
|
|
|
| 07/01/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Referral |
|
|
|
| 06/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
|
| 06/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 06/24/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 06/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/18/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
|
|
Web |
|
|
|
| 05/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Referral |
|
|
|
| 05/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 05/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 05/14/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Referral |
|
|
|
| 05/11/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Postal mail |
|
|
|
| 05/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Postal mail |
|
|
|
| 04/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 04/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 04/05/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Phone |
|
|
|
| 04/02/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Referral |
|
|
|
| 03/26/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Referral |
|
|
|
| 03/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/22/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/13/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Phone |
|
|
|
| 03/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 02/27/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Phone |
|
|
|
| 02/23/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 02/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/15/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 01/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/02/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 11/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/24/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 11/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/30/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Phone |
|
|
|
| 10/30/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Phone |
|
|
|
| 10/24/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Referral |
|
|
|
| 10/19/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
|
| 09/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/20/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Phone |
|
|
|
| 08/14/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Postal mail |
|
|
|
| 08/14/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Phone |
|
|
|
| 08/08/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Referral |
|
|
|
| 07/24/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Phone |
|
|
|
| 07/06/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Phone |
|
|
|
| 07/03/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Referral |
|
|
|
| 06/21/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
Servicemember |
|
|
| 06/18/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 04/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/26/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Phone |
|
|
|
| 04/20/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
|
| 04/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 04/10/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
|
| 04/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
|
| 04/06/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
|
| 04/04/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Phone |
|
|
|
| 04/03/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 03/28/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 03/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 03/23/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Referral |
|
|
|
| 03/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Older American, Servicemember |
|
|
| 03/16/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Referral |
|
|
|
| 03/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Referral |
|
|
|
| 02/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 02/03/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 02/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/26/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 12/21/2017 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/21/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Phone |
|
|
|
| 12/19/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/17/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 11/07/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Referral |
|
|
|
| 10/31/2017 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Phone |
|
|
|
| 10/30/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Postal mail |
|
|
|
| 10/24/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 10/18/2017 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/04/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 09/08/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
|
| 09/08/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/05/2017 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/20/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
|
| 08/15/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Postal mail |
|
|
|
| 08/15/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Postal mail |
|
|
|
| 08/01/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 07/27/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Referral |
|
|
|
| 07/13/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
|
| 05/04/2017 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/29/2017 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Phone |
|
|
|
| 03/07/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 03/03/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
|
| 02/25/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 02/11/2017 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 02/11/2017 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/03/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 01/10/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Referral |
|
|
|
| 01/09/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Phone |
|
|
|
| 12/09/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
|
| 11/30/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
|
| 10/22/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 09/16/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 09/09/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 08/19/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 08/11/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 08/09/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Phone |
|
|
|
| 08/02/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Phone |
|
|
|
| 07/07/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 07/07/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 05/26/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Phone |
Older American |
|
|
| 05/25/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 05/13/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 05/12/2016 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Phone |
|
|
|
| 04/29/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Phone |
|
|
|
| 04/15/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Phone |
Servicemember |
|
|
| 04/13/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 04/13/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 03/17/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Postal mail |
|
|
|
| 03/11/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 03/11/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Phone |
|
|
|
| 02/27/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 02/26/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
Servicemember |
|
|
| 02/25/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 01/28/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 01/05/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 12/27/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 11/07/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 10/17/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 10/14/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 10/01/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 09/30/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 09/12/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 08/15/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 08/10/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 08/05/2015 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 08/05/2015 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 08/04/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 07/24/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
Servicemember |
|
|
| 05/29/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 05/20/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 04/30/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 03/25/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 03/20/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Phone |
|
|
|
| 03/17/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 03/10/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 02/18/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 02/12/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 02/05/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/09/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Phone |
|
|
|
| 01/07/2015 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/07/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 01/06/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 12/17/2014 |
Yes |
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 12/10/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 12/09/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 11/28/2014 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 11/09/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 10/29/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 10/27/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 10/24/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 10/23/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 10/10/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 09/24/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 09/17/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 09/03/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Older American |
|
|
| 08/30/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 08/28/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 08/18/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 08/13/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 08/01/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 07/28/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 07/16/2014 |
Yes |
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 07/01/2014 |
Yes |
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
|
| 06/26/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Referral |
|
|
|
| 05/19/2014 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
|
| 05/14/2014 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
|
| 05/12/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 04/23/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 04/14/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 04/12/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 04/03/2014 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 04/01/2014 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/27/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 03/24/2014 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Phone |
|
|
|
| 03/14/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Referral |
|
|
|
| 03/12/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 02/22/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 02/18/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 02/13/2014 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
|
| 02/04/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 01/31/2014 |
Yes |
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
|
|
|
| 01/22/2014 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/10/2014 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 01/05/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 12/26/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Referral |
|
|
|
| 12/26/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Referral |
|
|
|
| 12/20/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 12/17/2013 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/25/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 10/31/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Referral |
|
|
|
| 09/26/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Phone |
|
|
|
| 08/27/2013 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Servicemember |
|
|
| 08/20/2013 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 08/16/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Postal mail |
|
|
|
| 08/08/2013 |
Yes |
|
- Improper use of my credit report
- Report improperly shared by CRC
|
|
Web |
|
|
|
| 07/08/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 06/28/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Referral |
|
|
|
| 06/06/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Referral |
|
|
|
| 05/29/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
Servicemember |
|
|
| 05/22/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Referral |
|
|
|
| 05/02/2013 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Referral |
|
|
|
| 04/17/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 12/19/2012 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 12/17/2012 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 11/29/2012 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|