Complaint Review: JD Byrider - Nationwide

IMPORTANT!!! IF YOU ARE FED UP WITH JD BYRIDER, DO SOMETHING ABOUT IT!!! READ THE ENTIRE MESSAGE BELOW AND PASS THE INFORMATION ALONG. I was never a customer with JD Byrider, however someone I know purchased a vehicle from them. Whenever she was late with her payments I received repeated phone calls from JD Byrider’s employees. Sometimes I received up to five calls in one day. When I asked, why were they repeatedly calling me? I was told “you are listed as a reference”. I informed the employee that I had nothing to do with the loan and asked that I be removed from their contact list. The employee grew hostile and informed me that because I was used as a reference, JD Byrider had a legal right to contact me. She even threatened to have JD Byrider’s employees show up at my door everyday if they chose to do. So, because the party (JD Byrider’s customer) listed me as a reference (not a co-signer) they have the legal right as a debt collection agency to come to my home as long as the debt remains unpaid. She also told me that if I talked nicely to her she might remove my phone number from their contact list. I hung up the phone and blocked all of JD Byrider's phone numbers so that they would not be able harass me further. I've since launched an investigation of JD Byrider and I am appalled to learn that they have over 300 complaints listed on message boards across the Internet.

While understanding message board complaints only inform consumers to be wary of businesses, they do not protect the rights of consumers who are preyed on by companies such as JD Byrider. Poor consumers and consumers with less than perfect credit do have legal rights and should not allow themselves to be intimidated and victimized by loan shark companies such as JD Byrider. In this instance, JD Byrider has made the wrong harassing phone call and has threatened the wrong person. I am well aware of the laws and legal rights of consumers. As such, after being repeatedly harassed, I have filed complaints with the Federal Trade Commission, my State Congressman, State senator, State's Attorney General and the Consumer Financial Protection Bureau. As a result, I have since received confirmation from all of these entities that they are currently investigating my complaint. Additionally, I wrote a letter to the ACLU and the NAACP requesting an investigation into the practices of JD Byrider as it pertains to race.

Based on my experience with the ignorance and tactics of JD Byrider’s employees, there's bound to be gross consumer, human and civil rights violations. Consumers or individuals listed as references who are currently or have been repeatedly harassed by JD Byrider’s employees in the past should file a complaint with the Federal Trade Commission, your State and County Attorney General, your State Congressman, State Senator and Richard Cordray of the Consumer Financial Protection Bureau (CFPB). Pursuant to the Dodd-Frank Act, the CFPB has the authority to take action against institutions and/or individuals who engage in unfair, deceptive, or abusive acts or practices or who otherwise violate federal consumer financial laws. Richard Cordray of the Consumer Financial Protection Bureau fined DriveTime, one of the biggest used auto companies who prey on the poor and on people who have bad credit. The fine resulted in an 8 million dollar settlement against DriveTime. JD Byrider uses the very same tactics and consequently the same violations are potentially being committed. It's possible that CFPB’s investigation of JD Byrider will have a similar outcome as did DriveTime. Per Richard Cordray: “Consumers who purchase a car at a buy-here, pay-here dealer deserve to be treated fairly”, DriveTime harassed and harmed countless consumers, many of whom were economically vulnerable. You should also contact a good consumer law attorney and have him/her look over the contract you signed with JD Byrider as it is possible they may have violated Consumer Protection Regulation “Z” and other consumer contract statutes. What is Regulation Z? It is a specific Federal Reserve Board regulation that requires debt lenders to disclose all the specifics of a given loan. This was done to promote a level of credit protection for the underlying consumer. To file your complaint with the Consumer Financial Protection Bureau please write: Consumer Financial Protection Bureau Attn: Richard Cordray Consumer Financial Protection BureauP.O. Box 4503 Iowa City, Iowa 52244 Or send your letter by Fax (855) 237-2392 See the link below regarding the DriveTime settlement. http://www.autoremarketing.com/bhph/exclusive-drivetime-responds-8m-fine-cfpb Best Regards