- Report: #161982
Complaint Review: JD Byrider/CNAC - Kalamazoo Michigan
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JD Byrider/CNAC
3718 Stadium Drive Kalamazoo, 49008 Michigan, U.S.A.
Phone:
269-375-8778
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JD Byrider/CNAC shady collection practices, rude employees, resold my car but now charging me for it! Kalamazoo Michigan
*UPDATE EX-employee responds: I used to work for CNAC - surprised that CNAC/JD Byrider has not been seriously looked at by the FTC
*Consumer Comment: Wow.. 4 months behind and you are complaining?
*Consumer Suggestion: Thanks for your input
*Consumer Suggestion: You didn't read correctly!
*Consumer Suggestion: You didn't read correctly!
*Consumer Suggestion: You didn't read correctly!
*Consumer Suggestion: You didn't read correctly!
I bought a 1999 Pontiac Grand Am in March of 2004. I faithfully paid my payments every week (even when the car was in the shop - which was pretty often). My husband continuously teased me about my "little piece of crap" every time it went in the shop. I will admit up front that for the most part, I knew what I was getting into when I purchased the car. I knew I was paying too much, that the interest rate was too high, and that my payments were outrageous. However, in order to work - I needed a car and based on my poor credit history - it was what I had to resort to to earn the living to pay for the over-priced car!
In October of 2004 my husband went on medical leave from his job and in December of 2004, I lost my job. I contacted the dealership and was told to keep them posted on my status. I began to get nervous when I was falling seriously behind - and contacted the dealership again. I asked them if they had any kind of program where I could defer a couple months' payments until I could find a job and could then get caught back up. They stated that they did not have any program like that. I worked with a pay by the day company in order to keep a little bit of cash coming in to help with some money towards my past due balance. I constantly received phone calls (mostly voice mai) from their Collections department (one person mostly - Marta or Martha) which sounded something like, "you need to call me by the end of the business day today," and I would receive the message an hour before they closed. They kept suggesting that I borrow money from family members so I could get my past due balance paid.
I finally found a job in March of 2005. I notified the dealership that I was beginning work the following Thursday, and would be able to begin catching up on my payments the following Friday. On Monday morning at 6:00 am while I was getting ready for my first full week of work at my brand new job - my car was picked up and hauled away. They wanted all of my past due balance PLUS a repo fee in order to give me my car back. Since I hadn't even received my first paycheck - I couldn't do that. I told them that I was going to contact a lawyer - that what they were doing wasn't right & I was told #1- I had signed an arbitration agreement so I couldn't call a lawyer and #2 - they had my car and they could do whatever they wanted to do.
About a month later, I saw my car sitting back out on their lot for sale. Yep - my car. I was driving by there on a Sunday and stopped to make sure it was my car. Same color interior (which was an unusual color), same burn mark in the driver seat that had always been there, same cracked front bumper (that had always been there) and same wheels. A week or so later - it was no longer on the lot.
The reason that I am telling you about that part is that last night, I was served with papers from a LAWYER saying that I owe $8800!!!! Not once since I picked up my belongings from the car have I heard a WORD - not a phone call, a letter, a NOTHING - from them (and not to mention - I am pretty darn sure that they resold my car) until I receive these legal papers.
I don't want others to go through what I have gone through. Since my car was taken back in April, I carpooled, rode city transportation and walked to get myself to work and saved money to buy a car outright from a private owner. In a perfect world, it is possible that my purchasing that Grand Am would have led to better credit. However we don't live in a perfect world and you can't plan for losing your job and running into financial difficulty. Isn't their slogan, "we understand that bad things happen to good people"?? Hmmm.....doesn't sound like they actually believe that, does it? It's more like - "we understand that we can make good people in a bad situation have an even worse situation and enjoy it in the process."
Angie
Three Rivers, Michigan
U.S.A.
Click here to read other Rip Off Reports on JD ByRider
In October of 2004 my husband went on medical leave from his job and in December of 2004, I lost my job. I contacted the dealership and was told to keep them posted on my status. I began to get nervous when I was falling seriously behind - and contacted the dealership again. I asked them if they had any kind of program where I could defer a couple months' payments until I could find a job and could then get caught back up. They stated that they did not have any program like that. I worked with a pay by the day company in order to keep a little bit of cash coming in to help with some money towards my past due balance. I constantly received phone calls (mostly voice mai) from their Collections department (one person mostly - Marta or Martha) which sounded something like, "you need to call me by the end of the business day today," and I would receive the message an hour before they closed. They kept suggesting that I borrow money from family members so I could get my past due balance paid.
I finally found a job in March of 2005. I notified the dealership that I was beginning work the following Thursday, and would be able to begin catching up on my payments the following Friday. On Monday morning at 6:00 am while I was getting ready for my first full week of work at my brand new job - my car was picked up and hauled away. They wanted all of my past due balance PLUS a repo fee in order to give me my car back. Since I hadn't even received my first paycheck - I couldn't do that. I told them that I was going to contact a lawyer - that what they were doing wasn't right & I was told #1- I had signed an arbitration agreement so I couldn't call a lawyer and #2 - they had my car and they could do whatever they wanted to do.
About a month later, I saw my car sitting back out on their lot for sale. Yep - my car. I was driving by there on a Sunday and stopped to make sure it was my car. Same color interior (which was an unusual color), same burn mark in the driver seat that had always been there, same cracked front bumper (that had always been there) and same wheels. A week or so later - it was no longer on the lot.
The reason that I am telling you about that part is that last night, I was served with papers from a LAWYER saying that I owe $8800!!!! Not once since I picked up my belongings from the car have I heard a WORD - not a phone call, a letter, a NOTHING - from them (and not to mention - I am pretty darn sure that they resold my car) until I receive these legal papers.
I don't want others to go through what I have gone through. Since my car was taken back in April, I carpooled, rode city transportation and walked to get myself to work and saved money to buy a car outright from a private owner. In a perfect world, it is possible that my purchasing that Grand Am would have led to better credit. However we don't live in a perfect world and you can't plan for losing your job and running into financial difficulty. Isn't their slogan, "we understand that bad things happen to good people"?? Hmmm.....doesn't sound like they actually believe that, does it? It's more like - "we understand that we can make good people in a bad situation have an even worse situation and enjoy it in the process."
Angie
Three Rivers, Michigan
U.S.A.
Click here to read other Rip Off Reports on JD ByRider
7 Updates & Rebuttals
Angie
Three Rivers,Michigan,
U.S.A.
You didn't read correctly!
#2Consumer Suggestion
Wed, October 26, 2005
While I agree I was late - not once did I say that I was late by 4 months. I said that I had lost my job in December, but I made payments during that time - - just not completely up to date. At the time that they took the car - I was right at 60 days behind...not 120. And honestly - even at 120 days behind - with the amount of communication that they had back and forth as well as the fact that I WAS a consistent and on time customer prior to the losing of the job - and I was beginning work again - - they could have worked with me. I wasn't rude, non-committal, non-compliant or unable to be contacted. I was honest, upfront and always made it in there when I said I would be there. The funny thing is - - yesterday I got a letter from them in the mail asking me to refer people to them because they wanted "more customers like me" - - and this was the day after I was served with papers! Talk about absolutely ridiculous!
Angie
Three Rivers,Michigan,
U.S.A.
You didn't read correctly!
#3Consumer Suggestion
Wed, October 26, 2005
While I agree I was late - not once did I say that I was late by 4 months. I said that I had lost my job in December, but I made payments during that time - - just not completely up to date. At the time that they took the car - I was right at 60 days behind...not 120. And honestly - even at 120 days behind - with the amount of communication that they had back and forth as well as the fact that I WAS a consistent and on time customer prior to the losing of the job - and I was beginning work again - - they could have worked with me. I wasn't rude, non-committal, non-compliant or unable to be contacted. I was honest, upfront and always made it in there when I said I would be there. The funny thing is - - yesterday I got a letter from them in the mail asking me to refer people to them because they wanted "more customers like me" - - and this was the day after I was served with papers! Talk about absolutely ridiculous!
Angie
Three Rivers,Michigan,
U.S.A.
You didn't read correctly!
#4Consumer Suggestion
Wed, October 26, 2005
While I agree I was late - not once did I say that I was late by 4 months. I said that I had lost my job in December, but I made payments during that time - - just not completely up to date. At the time that they took the car - I was right at 60 days behind...not 120. And honestly - even at 120 days behind - with the amount of communication that they had back and forth as well as the fact that I WAS a consistent and on time customer prior to the losing of the job - and I was beginning work again - - they could have worked with me. I wasn't rude, non-committal, non-compliant or unable to be contacted. I was honest, upfront and always made it in there when I said I would be there. The funny thing is - - yesterday I got a letter from them in the mail asking me to refer people to them because they wanted "more customers like me" - - and this was the day after I was served with papers! Talk about absolutely ridiculous!
Angie
Three Rivers,Michigan,
U.S.A.
You didn't read correctly!
#5Consumer Suggestion
Wed, October 26, 2005
While I agree I was late - not once did I say that I was late by 4 months. I said that I had lost my job in December, but I made payments during that time - - just not completely up to date. At the time that they took the car - I was right at 60 days behind...not 120. And honestly - even at 120 days behind - with the amount of communication that they had back and forth as well as the fact that I WAS a consistent and on time customer prior to the losing of the job - and I was beginning work again - - they could have worked with me. I wasn't rude, non-committal, non-compliant or unable to be contacted. I was honest, upfront and always made it in there when I said I would be there. The funny thing is - - yesterday I got a letter from them in the mail asking me to refer people to them because they wanted "more customers like me" - - and this was the day after I was served with papers! Talk about absolutely ridiculous!
Angie
Three Rivers,Michigan,
U.S.A.
Thanks for your input
#6Consumer Suggestion
Tue, October 25, 2005
It's funny that you said that cars were picked up based on whether or not you had angered the person on your account. Because, all along - that is what I believe had happened. I got so angry when it was suggested that I borrow money from my family members so that my account wouldn't be past due with them. The situation that we were in was so tenuous and embarrassing and the suggestion that we just "borrow some more money" was CRAZY! I know that I replied very sarcastically and could tell that the collection person was very angry with my response. Not 2 days later - my car was picked up and no one would return my calls - not even the manager of the branch. I appreciate your input. I will look into contacting my state contacts.
Dave
Jacksonville,Florida,
U.S.A.
Wow.. 4 months behind and you are complaining?
#7Consumer Comment
Tue, October 25, 2005
While I agree that J.D. Byrider is the worst place to buy a car, I have to say that you deserved the repo. You were seriously behind, and they did wait 4 months to get the car, which is more than they usually wait from reading other posts here. So what's you beef? You think you deserve better treatment than anyone else? You were late, really late, and they got the car. At least you got your personal stuff back. Legally though, they have to prove what they sold the car for, and deduct that from the your balance owed. $8800.00 is too high, sounds like they added all sorts of fees to the payoff.
Eric
Columbus,Ohio,
U.S.A.
I used to work for CNAC - surprised that CNAC/JD Byrider has not been seriously looked at by the FTC
#8UPDATE EX-employee responds
Tue, October 25, 2005
I am not surprised at this report, and I am very surprised that CNAC/JD Byrider has not been seriously looked at by the FTC. Basically, I was told while I worked there to misrepresent who I was "I'm the kids' babysitter, I really need to speak with..." and cars were not reposessed according to any set rules, but whether or not you annoyed the person in charge of your alpha. They did have the right to the property; however, they cannot just arbitrarily resell the car at their own lot. Depending on state laws (I am most familiar with Ohio and Kentucky), they have to serve you (certified mail) with right to cure (in Ohio, 21 days, Kentucky 14), then a notice of intent to dispose. They have to give you a right to attend the AUCTION where the car is sold at, within the same state that you bought it. I would contact an attorney and the your state's attorney general.
