I purchased a XXXX XXXXXXXX XXXX from Byrider on XXXX located at XXXX XXXX XXXX XXXX XXXX, TX XXXX Made payments of {$270.00} every 2 weeks on time. My last payment was on XXXX after receiving a text message from byrider on XXXX {$5900.00} is my current balance without taxes and interest and I have already paid a whopping {$24000.00} on XXXX byrider ask for {$420.00} on XXXX byrider sent my information to a debt collector XXXX XXXX XXXX XXXX XXXX balance {$2000.00} pay {$1300.00} and we will report your account as settle. On XXXX byrider/cnac sent me a text no further extension will be granted w/o communication, my response was I didn't ask for an extension and cnac response I am aware you did not ask for extension. I request that the CFPB conduct a thorough investigation into these practices due to potential fraud, deception, and theft.…
CFPB COMPLAINT DATABASE
Byrider Franchising, LLC
112 real consumer complaints filed against Byrider Franchising, LLC at the Consumer Financial Protection Bureau in the last 12 months. 0 received relief from the company. Median federal response time: 15 days.
Most common issues
- 01Managing the loan or lease35
- 02Repossession23
- 03Incorrect information on your report14
- 04Problem with a company's investigation into an existing problem9
- 05Struggling to pay your loan7
Top states filing
Recent complaints
The 30 most recent complaints against Byrider Franchising, LLC where the consumer chose to publish their narrative.
Company : CNAC ( CarNow Acceptance Company ) Complaint : I am submitting this complaint regarding ongoing harassment, deceptive practices, and improper third-party contact by CNAC in connection with an alleged debt. CNAC has engaged in repeated and excessive telephone calls, contacting me approximately four ( 4 ) times per day. This frequency is disruptive and appears intended to harass or pressure me. Additionally, CNAC has disabled my ability to make online payments after a late payment, which interferes with my ability to bring the account current and may constitute an unfair or abusive practice. Most concerning, CNAC has contacted a third party who is not associated with my account and whose contact information I never provided. Specifically, they have repeatedly called the father of a personal acquaintance of mine, who is elderly and in poor health.…
I am submitting this complaint as an escalation regarding CNAC, LLC d/b/a Byrider and its handling of my accounts and associated funds. Despite prior disputes and communications, CNAC has caused material financial harm, including : Stopping all reporting to credit bureaus ( account now absent from reports ) but failing to release owed funds that were due to me under prior agreements. Reporting contradictory account information for nearly one year before ceasing all reporting, creating confusion and financial uncertainty. Interfering with financial transactions and credit opportunities, including housing and banking access. Failing to provide proper verification or resolution despite repeated attempts to correct the account.…
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX ( XXXX : XXXX ) from XXXX XXXX ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ), a buy-here-pay-here dealer, for {$15000.00} with financing. The dealership issued a bill of sale but no valid title or registration. Instead, they provided fake registration documents and a fake license plate that matched no vehicle in XXXX system. They required me to sign XXXX contracts. The original was canceled by the manager, who claimed they could not transfer the used vehicle title to my name because it remained in someone elses name. They then forced me to sign a new contract under different terms. These actions were deceptive : fake documents, dual contracts, and failure to deliver title misled me into believing the vehicle was properly titled/registered. Despite repeated contacts over nearly a XXXX ( to XX/XX/XXXX ), the dealership refused to deliver a legitimate title, correct the registration, or replace the fake plate.…
I am submitting this complaint regarding an auto loan that I made substantial payments on before experiencing severe financial hardship. I purchased the vehicle around XXXX and made consistent payments, ultimately paying approximately 84 % of the total loan balance. Around late XXXX, I lost my ability to continue working due to serious health issues. Despite this, I continued making payments for as long as I could, into approximately XXXX. During this time, I was facing extreme financial hardship. I was waiting on unemployment benefits and in the process of applying for XXXX XXXX XXXX, which I was eventually approved for in XXXX. I also underwent XXXX XXXX, and my family was dealing with serious medical issues, including my mother being diagnosed with XXXX that spread to her XXXX. Due to these circumstances, I was unable to continue making payments and had to surrender the vehicle. The remaining balance is approximately {$1700.00}.…
1 ) the state max interest rate is 18 %. CNAC sold me a car loan with a 22.489 % interest rate and has refused to budge. They have already claimed that I am in default and want to repossess despite ignoring all efforts to help them. 2 ) XXXX manager XXXX XXXX misallocated payments made towards my truck loan. In XXXX, payment was made 5 days early on my truck loan. CNAC went into the system, removed the payment, and applied it towards a new tag without my knowledge. PLEASE NOTE BELOW * * * * * * * I already know how they will respond. CNAC and XXXX XXXX Will continue to state that I was told that I would need to get a new tag. yes, I was told that I would need to get a new tag. However, what CNAC will dodge around is that 1 ) this was told to me AFTER the new tag was ordered and 2 ) I was NEVER ONCE told that they were going to take my truck loan payments and misallocate it without my knowledge.…
I am filing a complaint regarding collection practices by Credit Acceptance Corporation ( CNAC ) related to my auto loan. On XX/XX/year>, I received an email from a company representative that contained threatening and degrading language. In the message, the representative told me that if I wanted to avoid repossession I could borrow the money from someone, donate blood, or sell some things. I believe this statement is inappropriate and degrading and appears intended to pressure or humiliate me. The email also stated that failure to comply would result in 10 years of garnishment and income tax seizure, which I believe is misleading because wage garnishment would require a court judgment and is not automatic. The message also included intimidating language such as You DO NOT dictate terms to us and This is NOT a negotiation. I believe this communication may violate consumer protection laws prohibiting abusive, misleading, or harassing debt collection practices.…
I am writing to formally file a complaint regarding the vehicle I purchased and the ongoing issues I have experienced since the beginning of my ownership with XXXX XXXX Within just three days of purchasing the vehicle, it broke down and left me stranded on the side of the road. Since that time, I have continued to experience repeated mechanical and electrical problems. Over the past year, I have brought the vehicle in for repairs approximately ten times. Despite these repeated repair attempts, the issues have not been permanently resolved. At one point, the engine was replaced ; however, the same problems have continued even after such a major repair. It often appears that temporary fixes are being made that allow the vehicle to function only briefly before another issue arises. Additionally, every time the vehicle is taken in for service, it is typically kept for one to two weeks.…
I am filing a complaint against CNAC XXXX regarding inaccurate credit reporting and a repossession deficiency balance that has never been properly validated. I purchased a XXXX XXXX XXXX from XXXX XXXX in XX/XX/XXXX, financed through CNAC XXXX. The vehicle experienced repeated mechanical failures within months of purchase and continued to have major issues for years. After years worth of mechanical issues and The XXXX XXXX dealership closed. The vehicle was ultimately repossessed in XX/XX/XXXX. After the repossession, I never received documentation explaining the sale of the vehicle, the auction price, or how the remaining balance of approximately {$5000.00} was calculated. Despite this, CNAC continues to report the account on my credit report as OPEN while also marking it as a profit and loss write-off ( charged off ). CNAC is also continuing to report missed payments after the repossession, creating ongoing derogatory marks on my credit report.…
I had a vehicle with JD Byrider, and less than a years time from the engine in the XXXX XXXX blowing up the first time, it happened a second time. I expressed my frustration with Byrider, and they told me on the phone it was fine to return the vehicle. Now my credit is trashed and i do not believe I should have to pay back the debt for a lemon vehicle. I am struggling with bad credit and i really want it off my report asap so i am able to function in this world. Please have a heart and work with me, i can not get approved for anything and everything in life is crashing in on me at the same time.
This is likely a reoccurring theme with CNAC. I purchased a truck from them late XXXX. I asked to transfer my tag from my XXXX to the truck to which they obliged and told me that would work. A few weeks later, I moved my XXXX XXXX XXXXver to my XXXX. In early XX/XX/XXXX, my truck was towed by the HOA due to having an invalid tag on my truck. This cost me {$320.00} to get my truck back, and then some phone calls to find out whats wrong with my tag. On XX/XX/XXXX, I made my normal truck payment a few days early. The payment was towards the loan and very straight forward and I have receipts. On XX/XX/XXXX, not even 2 hours after my original due date, CNAC was calling me threatening repossession of my vehicle for being late. Confused, I immediately called them back.…
-Sold vehicle XX/XX/XXXX under class action lawsuit directly related to engine failureXX/XX/XXXX years later never disclosed any relative recall or the exsisting class action lawsuit- consumer never made aware of class action lawsuits preventing consumer from correcting the issue which could have been corrected by kia -consumer paid on time forXX/XX/XXXXyears totaling roughly 19,000 $ underestimating on a car with undisclosed class action lawsuit XXXX XXXX -upon engine failure and class action lawsuit discovery consumer tried to call and discuss with manager where XXXX an employee indicated to consumer she was management and there was nothing that could be done in this case.…
This complaint concerns CNACs failure to conduct a reasonable investigation and substantiate the accuracy of a repossession deficiency balance that it continues to report. I previously filed CFPB complaint number XXXX disputing the alleged deficiency balance arising from a voluntary repossession in 2023. In response, CNAC provided a narrative summary stating that notices were sent, the vehicle was sold at auction, and a deficiency balance of {$8800.00} remained. However, CNAC did not provide any of the documentation necessary to verify the accuracy or enforceability of the alleged balance. Specifically, CNAC failed to provide : Copies of any post-repossession notices ( including notice of intent to sell or notice of sale ) Proof of mailing or the address used for such notices Auction or sale documentation showing the date of sale, method of sale, or sale price A deficiency balance worksheet itemizing how the {$8800.00} figure was calculated A complete payment history Documentation…
I am filing this complaint regarding CNACs continued reporting and attempted collection of an alleged repossession deficiency arising from a voluntary vehicle repossession in XXXX. On XX/XX/XXXX, I sent CNAC a formal written demand for validation pursuant to the Fair Debt Collection Practices Act. In that letter, I disputed the debt in its entirety and requested specific documentation necessary to establish that the alleged deficiency is valid, legally enforceable, and accurately calculated. Specifically, I requested : A copy of the original retail installment contract Proof of CNACs authority to collect A complete payment history Documentation establishing lawful repossession Copies of all required post-repossession notices Documentation demonstrating that the vehicle was sold in a commercially reasonable manner A complete deficiency balance calculation Proof that the amount being reported to credit bureaus is accurate I did not receive any post-repossession notices at the time…
I have been calling the dealership since XXXX XXXX to make a payment. I have called : XXXX, XXXX ( XXXX ) XXXX, XXXX. I have called so many times. No answers. XXXX ( XXXX ) XXXX number I just recently got this number from one of the workers named XXXX and she told me to call that number and have been for a few days now. Calls go to voicemails and its not set up. I was informed the dealership was closed down and thats it nobody emailed nobody called just have been waiting to make a payment.
Refusal to accept payment caused false delinquency Second occurrence, prior complaint in XX/XX/year> Written dispute submitted XX/XX/year>2025 Willful reporting of inaccurate information Request correction under 15 U.S.C. 1681s-2 ( b ) These force the creditor into investigation and make them legally liable if they fail to act.
I am submitting this letter to dispute inaccurate credit reporting related to my XXXX XXXX bankruptcy. A XXXX XXXX bankruptcy was filed on XX/XX/year>. A XXXX of Notice was sent to CNAC on XX/XX/year>, and the XXXX XXXX discharge was completed on XX/XX/year>. The debt associated with CNAC was included in the bankruptcy and legally XXXX. Despite this, XXXX is still reporting the account as a charge-off, which is inaccurate. The account should be updated to reflect that the debt was XXXX in bankruptcy, not charged off. I am requesting that this account be corrected to accurately reflect the bankruptcy discharge in accordance with the Fair Credit Reporting Act. Thank you for your prompt attention to this matter.
Vehicle Information : XXXX, XXXX, XXXX VIN : XXXX Date of Purchase : XX/XX/XXXX Detailed Description of Complaint : I am filing this complaint against XXXX XXXX for deceptive business practices and ongoing violations of the Indiana Motor Vehicle Protection Act ( IC 24-5-13 ). 1. Unreasonable Delay ( 30-Day Rule ) : My vehicle has been in the dealers possession for repairs since XX/XX/XXXX, totaling XXXX consecutive days as of today ( XX/XX/XXXX ). Under Indiana Code 24-5-13-15, a vehicle out of service for 30 or more business days for a covered defect qualifies for a full refund or replacement. 2. Refusal to Provide Documentation : Since XX/XX/XXXX, I have repeatedly requested a written repair order. The dealer has refused, claiming they " don't have details '' from their body shop. This is a direct violation of Indiana Code 24-5-13-16, which states a dealer shall provide a written repair order each time a vehicle is brought in for repair. 3.…
On XX/XX/year> my vehicle was XXXX by CNAC of XXXX even though I was not properly in default. I have made my last regular payment on XX/XX/year> and my credit report shows no late or missed payment prior to the XXXX. When I went to retrieve my personal items from the vehicle I requested documentation and received an affidavit for the XXXX. On XX/XX/year> I contacted CNAC to pay the required amount and redeem my vehicle. At the time I was told the vehicle had already been sold which denied me the opportunity to redeem or reinstate the vehicle. XXXX XXXX XXXX XXXX XXXX XXXX vehicle affidavit I received shows the XXXX was an accurately classified as voluntarily which it was not. Additionally my credit report now shows a XXXX in XX/XX/year> and a charge off in XX/XX/year> with no late payments reported prior to the XXXX and even a payment recorded after the vehicle was already XXXX and sold.…
My account was placed under a settlement agreement for {$1000.00} following a post-auction balance of {$2600.00}. Payments of {$170.00} began in XX/XX/year>, and I made eight ( 8 ) payments totaling {$1300.00}, which exceeds the agreed settlement amount. Based on the terms of the settlement, the account should have been fully satisfied by XX/XX/year>. Despite multiple calls to XXXX XXXX, I have not received written confirmation of settlement completion, a zero-balance statement, or any explanation for the continued status of the account. The total payments made exceed the agreed settlement amount by {$290.00}, unless XXXX XXXX can provide written documentation demonstrating otherwise.
The vehicle was repossessed on or about XX/XX/year>. After the repossession, I requested documentation substantiating the alleged default and repossession, including proof of authority to repossess, tow and storage records, notice documentation, and a clear chain of custody. The company provided an Affidavit of Defense and a Notice of Sale dated XX/XX/year>, but failed to provide complete, verifiable, or consistent records supporting that the repossession was conducted lawfully, including the absence of tow or police activity records. Despite sending a written Notice of Dispute pursuant to the arbitration agreement and requesting resolution, the company has not meaningfully addressed these deficiencies or substantiated its actions.
My account was under a settlement agreement that was nearly paid in full. In XX/XX/year>, the company stopped my authorized autopay without notice. When I noticed the missed payment, I began calling in XX/XX/year> to resolve the issue. From XXXX through XX/XX/year>, I made several phone calls and left multiple voicemails requesting clarification on my account status, settlement balance, and how to resume payments. I did not receive any return calls or written communication. On XX/XX/year> at XXXX XXXX, I emailed support requesting a call back after two weeks of unsuccessful contact attempts. I later visited the dealership and was informed that accounts were being transferred and that someone would contact me ; however, I still received no communication regarding the transfer, settlement status, or payment instructions.
My vehicle was at an auto body shop awaiting action and authorization from JD Byrider/CNAC. The vehicle remained at the shop for an extended period solely because JD Byrider delayed responding, communicating, and taking required steps on their end. As a result of these delays, the body shop assessed {$750.00} in storage fees. I did not cause or contribute to the length of time the vehicle remained at the shop and had no control over JD Byriders response time. I have requested that JD Byrider resolve or reimburse the storage charges caused by their delay, but they have refused to take responsibility and have attempted to shift the cost to me. This complaint concerns improper fees resulting from JD Byriders failure to act in a timely manner.
I reported an accident involving the vehicle and requested written clarification regarding the status of the claim, including whether the vehicle had been deemed a total loss. Despite repeated written communication, the company failed to clearly resolve the claim while continuing to attempt automatic withdrawals from my bank account. After I requested that communication occur in writing and asked for clarification of the claim status, the company attempted to withdraw payment twice in XXXX day. These withdrawals are disputed and occurred without resolving the accident claim. I was also informed by the repair facility that the company discussed my alleged payment history with them, stating that I had not made payments for XXXX months. This statement is false. I had not owned the vehicle for XXXX months at the time of the accident and was current on payments when the loss occurred.…
In XX/XX/year>, I contacted my auto lender after learning my vehicle had been repossessed. I was told verbally that I owed a repossession fee and that a {$410.00} payment was required for the repossession, and that a subsequent payment of approximately {$500.00} would be for the vehicle. On XX/XX/year>, I made a {$410.00} payment. On XX/XX/year>, I made a {$500.00} payment. However, the written receipts for both payments show {$0.00} applied to repossession fees and {$0.00} applied to late fees, with the payments instead applied to interest. I never received any written repossession notice, reinstatement or redemption quote, or itemized accounting identifying repossession, towing, or storage fees. The lender charged and collected money based on verbal representations that are contradicted by the written account records. I am disputing the repossession-related charges, the misapplication of my payments, and the interest assessed without proper written disclosure.…
I purchased a vehicle on XX/XX/year>, at Byrider/ financed through CNAC XXXX The vehicle began experiencing mechanical issues within XXXX weeks of purchase and was returned to the dealer multiple times for warranty repairs. The vehicle was in the dealers possession from XXXX XXXX XXXX, again from XXXX XXXX XXXX and has been continuously in the dealers possession since XX/XX/year>. As of today, I do not have possession or use of the vehicle. While loan payments were deferred, I remain financially responsible for the vehicle, and the deferred payments do not resolve loss of use or lack of transportation. I requested updates on repair status, an estimated completion date, documentation of repairs, and temporary transportation or an alternative solution while the vehicle remains unavailable. Despite multiple repair attempts and extended loss of use, the vehicle has not been returned, and I have not received a clear resolution.…
I purchased a XXXX XXXX XXXX with {$1200.00} down. They stated I needed more but was able to do another {$1200.00} deferred down payments every 2 weeks. I completed that in XXXX. Both down payments still have not reflected on the total purchase which was {$14000.00} for the car. As if I never made any down payment or they just pocketed my down payment instead of applying it to my loan. Ive made over {$3000.00} in payments since I purchased this car with payments now being {$250.00} every two weeks not to include their basic insurance. And after multiple times of me telling them they dont report to the credit bureau correctly being that they are a credit builder program, they still have yet to. My credit shows I have made one payment of {$180.00} with a 1 % progress on this loan. This loan is still showing the total purchase price as if I have never made a payment. I have bank statements to show and prove Ive made a payment every two weeks since having this car.…
On XX/XX/year>, I applied for vehicle financing through JD Byrider ( XXXX, Ohio ), which uses CarNow Acceptance Company ( CNAC ). During this transaction, my consumer credit was accessed and used to request bank financing. At the same time, JD Byrider/CNAC required and collected a {$500.00} deposit, and also charged and collected monthly payments, without providing clear or legally required credit disclosures. I am not disputing the deposit amount itself. I am reporting consumer law violations based on the practice of taking a deposit and ongoing payments while my credit was being used to seek financing, without clearly disclosing whether a lawful, finalized credit agreement existed. I believe this conduct violates the following consumer protection laws : Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Dodd-Frank Act, 12 U.S.C. 5531 & 5536, by misleading me regarding the status of financing while collecting money. Truth in Lending Act ( TILA ), 15 U.S.C.…
CNAC repossessed the vehicle that I had to voluntarily turn in due to the company denying me hardship due to loss of job which was not my fault on XXXX XXXX, XXXX. The company never gave a letter to me stating I had voluntarily turned in the vehicle with my signature. I was wondering when I would receive a letter about the vehicle so I can get it back due to me telling the company I was looking for more work. I was made aware of the selling of the vehicle on XXXX XXXX once I called in to retrieve the vehicle by the case Manager XXXX told me I would be getting a letter in the mail. The letter came to my mailbox and it was a deficiency letter not a notice to sale/ intent to sell notice. I then contacted the company in regards of the letter. The company argue they sent the notice but couldn't never produce it. I argue the deficiency amount with the General Manager, XXXX XXXX and he said that they gave me 10 days to get the car back.…
I am submitting a formal complaint regarding the negative reporting on my credit file related to CNAC XXXX. The company has gone bankrupt and is no longer operational, leaving me unable to contact anyone for clarification or resolution. Because of the companys closure, I have had no way to obtain accurate information, verify the account, or address any outstanding matters.
Same thing happen to you?
Upload your evidence. We draft a formal complaint with citations in 10 minutes. CFPB legally forces a response in 15 days.