Anonymous
map-marker Eau Claire, Wisconsin

Treatment of their clients

They do give loans, but they have no compassion towards you when you financial situation changes, I had my payment taken out on my payweek, then my employer changed weeks, so I let them know I could not make a payment because we were not being paid for 3 weeks, they said they did not care to borrow it or do what ever I had to do to get payment to them on time they called me everyday 2 to 3 times a day they don't care what happens to you as long as they get their money, I will never do business with them again.....
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Loss:
$190
2 comments
Guest

You people are something else. If you had good enough credit to get a new car from a dealer in the first place, do you think THEY would give you a break if you couldn't make a payment?

I can answer that one for you, NO. First of all, all you folks that go to JD Byrider to buy a car need to realize you're buying a USED car. Pick a dependable make like Kia or similar, then when you find one you like take the time to actually go THROUGH it. Examine & smell all the fluids, look underneath in the front, middle & back of the vehicle.

Above all else, get your OWN Carfax report if you don't trust the dealer! If an employee of the branch comes out & stops you from writing down a VIN number then LEAVE. And remember, this company is a LAST RESORT for people with the worst credit.

If that's your situation you ARE GOING to pay more because you are a greater risk of being a deadbeat & not making your payments. And that's from a fellow deadbeat, who now has a dependable vehicle to go wherever our family wants to go.

Guest

I was very satisfied with cnac in getting approved for a loan. Even though the interest rate was extremely high for this used vehicle I still needed the vehicle when nobody else approved me.

I am 1 payment behind and they suggested to just get the money matter what. So I am in inbetween jobs and would have it cpl days . Cnac said if I don't have my payment in ASAP I need to return the vehicle. Huh !!!!

Mind you I invested time and money and u say no payment or return the vehicle. Are u kidding me???

Do they really not understand turmoils in life and at least showing them ur circumstances guess it doesn't matter. Are they really just really goina reposs my vehicle?!!!!

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Anonymous
map-marker Dallas, Texas

Ripped OFF

Went in looking for a car to purchase. Best car on the lot was a 2006 Sonata with approximately 100,000 miles check engine light on, air bag light on, car was filthy. The process took approximately 4 hours long and 1000 dollar down payment. This was at 7:30p.m. Didn't leave until 11:30p.m. Proceeded to the freeway and the car becomes hesitant since place was closed brought the car back first thing in the morning when they opened approximately 9a.m. No refund nor did they discuss anything that was wrong with the vehicle and stated no refund. Left the car on the lot and never returned.
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Loss:
$1000
Miss W Aof
map-marker Menifee, California

DON'T DO IT!!! They lie to get you into a lemon

I went into CNAC about a year ago. I purchased what looked to be like a really good car, the dealership sold me the whole story on how great the car company in as a whole, LIER..... I have had problems with my car ever since I purchased this car from CNAC, I am trading it in after the new years and I would advise you guys to never even go to a unprofessional place that even remotely looks like CNAC. They have old cars and they are bad not dependable. They will help you get into a lemon because your credit is bad so a little advice clean your credit up or ask a relative to finance for you until you get back on your feet financially because you will be stuck with a bad car paying for repairs and a car payment every month. They have a mechanic on their lot, but yet they do not really cover much under your warranty, please trust me when I say you will have to pay for your repairs, SUCH LIERS and MISLEADING, oh and your APR% will suck therefore more money will go to them over your loan contract, by time you pay the lemon off that car will be worth $200 dollars but they would have made so much money off you, now that's just evil. Please don't sign that death wish they approach you with ( they will lie to you before you sign). Go to a Honda or Toyota dealership a car lot that has a popular, credible name. I will never, I mean never put myself or my family through this again in life. This was a bad lesson well learned. Also they are so, so, so, so rude. When you call customer service (CNAC) and ask questions about your payment, your money or anything about your personal account they will hang up in your face, or they are just plain rude, bad attitude and you can hear it in their voice. I can truly tell that they do not like their job that is so obvious to me. They speak in ghetto tones, never, never say thank you, have a nice day, they might sat ok! and then the phone just hangs up and when you want to speak to a manager they say they will have one call you back and that manager never calls you. This is *** waiting to happen in your life if you sign those papers.. THEY EVEN TOOK MONEY OUT OF MY PERSONAL BANK ACCOUNT HOPING I would never find out and after I called and yelled like 3 times they sent me a check and it took 2 weeks my account was over drafted the whole time because of them, was hit with all kinds of fee's and they did not give a rats ***... I was so mad, they are wrong all the way around and you can tell company's like this build no rapport with their customers, all they care about is your money. They really are a bad company to deal with oh and they harass you every week its so annoying, I have been dealing with them all year and I am done, stick a fork in me. Run DON'T DO IT.
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Loss:
$18000
thebishop B
map-marker Chicago, Illinois

CNAC Financing via JD Byrider

At 1st, this seemed like the perfect company to go with until about 3 weeks after I got my truck. I did a trade in for the down payment and everything was alright. They then began calling me 3-5 times a day saying I needed to come in to rewrite my loan. So I went in not once, not twice but three times and they STILL wrote the loan wrong and messed it up. They refused to take my payments because of their mistake. Now they're threatening to repo my truck. I would advise that NO ONE, I repeat NO ONE goes to them. They'll be your friend to get you to leave with a car but they're very unprofessional, they harass you day and night, and they will threaten to take your car even if they're in the wrong. CNAC, SUCKS!!!!!
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Loss:
$2000
2 comments
Brave Hvl

I purchased a car from them in November. The first week I had it, it broke down and left me going to the hospital because of their "roadside assistance" saying they were coming, and then never showing up after 6 hours in sub zero temps on the side of the interstate.

I had to use the money that I had put aside for the payment to pay the tow bill. When I spoke to them they denied it was bad and refused to fix it. So another 400 dollars later I missed the payment. The next payment comes up, they never take it out, even though i signed up for the auto pay.

So I call, they decline its their fault and then after 5 phone calls from work, they process it. The next three payments, no problem. Then they decide again, they are not taking the payment that is due. I call, they are to busy with customers.

So a week later, still no payment taken. I call and *** them out. Then at 1am on saturday into sunday, the repo truck shows up and takes the car.

NEVER GO TO THIS PLACE, THEY ARE A JOKE AND A WASTE OF MONEY! :(

Analiyah Dpg

I had a bad experience with them also. I got a car from them and then lost my job back in 08 when the economy went bad.

I got 3 kids and other bills. I missed some payments so that they could repo it but they never did.

They kept calling trying to convince me to keep the car. I eventually dropped the car off to them.

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Anonymous
map-marker Union City, Georgia

*** OVER

I went in to jd byrider after my truck engin went out. My pops had just passed and I really needed a car because it was off the bus line. Went in to CNAC should haVE RAN. This 2002 car loan will never be paid off. They ladies in the office were rude. I was late on one payment and they told me they were going to come get my car I laugh thinking they were joking because I always overpay. They did care I would not recomend them to anyone dead or alive. RUN FAST AND FAR Dont put yourself through the drama.
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Anonymous
map-marker Springfield, Missouri

Complaint of how cnac donot even try to help their customers

I brought a used vehicle from jd byrider and get financed though cnac not I put over 3000 down for 2005 impala and paying 400.00 a montth for 3 yrs. I lost my job and went to them to state that I have 200.00 now towards payment and will have the other 200.00 in two weeks..they threaten me with repossession and informs me to make my payment in full on time Period...they truely dont care....Antonio Washington columbia mo. 240-550-**** in turn stat away from jd byrider/cnac donont put yourself in this predicament. It's not worth it.. please pass this on. Thanks
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Yanelis Rfk
map-marker Tucker, Georgia

Will not accept my payment

I have been with financing my vehicle through CNAC since 2010 and I have always made my payments. Now just because I will not make my payments on the 1st and the 15th of every month they do not want to accept my payments.

This will cause my credit report to show that I am late. I have never been late, I just can't pay on the 1st and the 15th because my payments do not fall on those dates. working with the CNAC representative Lewis Ashton is horrible. He call me on the due to remind me that a payment is due.

I went to a boiling point.

If I do not pay on the 1st or the 15th and just a few days late I get harrassing phones calls. I will definitely look into filing a lawsuit for harrasment.

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Loss:
$25000
8 comments
Guest

I am having the same problem with CNAC I have never been late with my payments so I asked can I make a payment a couple of days later they told me I must return the car until I can make the payments I think this is a unfair business. I believe they are a predatory company because they know people are in need of a car when they come to them so they lock them into these astronomical biweekly payments with no room for deviation

Guest

My dad has offered to loan me the money to pay off CNAC, because I am paying insurance on a car that is not being driven. I am worried that they will give me a hard time.

These people should be shut down! To take advantage of people who have bad luck, and to make money off of is not right. I work 7 days a week, and I have been reading the complaints and feel so angry. Why isn't anyone in the state's division of banking and insurance doing something to stop these scammers?

$600 every month, for nothing!

Guest

A real finance company gives a grace period. I have a car loan with CNAC and regret it ever since. Sue them!

Guest
reply icon Replying to comment of Guest-659776

I couldnt agree more, my payment is due biweekly on Friday, I am a single mother and a nurse and work all shifts, i was unable to call that friday as I was mandated anf worked 7a to 11p. I called them 5 minutes after they opened Saturday morning and was screamed at, told i needed to grow up and be responsible, told they didnt want my PAYMENT and to return the car!

Yelling so loud my friend heard him from across the the room and actually took phone from me (I was in tears by then), my friend asked why he was screaming and asked to speak with a manager, he said he would get manager once I was back on phone. I got on phone, he called me an F'n B'tch and said he was coming to get car. So I still have the broken car that I have had for only 6 months, of course boughr extended warranty to only get the run around. I mail in my payments and absolutely REFUSE to talk to those unprofessional people I will continue to make my payments until such time as I can pay off car or trade it in.

Its suppose to help u build credit, all they do is put u in a *** overpriced car and their goal is to set u up to fail. I can't BELIEVE this company is still operating.

JDbyrider is eventually going to feel the financial hardship CNAC is going to put them in when people refuse to buy a car from them because their financing company is crap. CNAC is a discrace to the automobile financing industry.

Guest

You are a real ***! You cant or wont make your payments when due so you are going to sue them?

GOOD LUCK WITH THIS SUIT ***!!!!!!!!!!!!!!!!!!!! :grin :grin :grin :grin :grin :grin :grin :grin :grin :grin :grin :grin

Guest
reply icon Replying to comment of Guest-646021

This is why you are anonymous because you probably work for the jacked up company CNAC. There are laws that protect consumers from harassment from creditors.

My method has worked. This why I pay my loan when I want without a negative report on my credit because I exercise my rights. CNAC had always offered to change my due date to the days I am paid and then tried to change the program.

As long as you pay within your 30 days you will be ok..... *** *** commented on something you have no clue...

Guest
reply icon Replying to comment of Guest-784043

What are the rights please fill me in I'm curious thanks I like ur post and wanna learn more

Taylie Dom
reply icon Replying to comment of Guest-784043

Please fill me in. I'm late because it won't except my card.

One of the cards they told me to get they no longer accept it. What should I do.

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Anonymous
map-marker Palatka, Florida

WRONG BALANCE

MADE A PAYMENT THRU MONEY GRAM THEY SAY THEY DIDNT GET THE PAYMENT PUT ALMOST 300 DOLLAR WOTH OFF INTRESET ON MY ACCOUNT AND THEY SAY IT'S MY FAULTY THEY DIDNT GET THERE PAYMENT CALLED THEN TO RESOLVE RUDE CUSTMER SERVICE AND RUDE SUPERVISOR'S WHILE NOT HELP U AT ALL WITH UR ACCOUNT I PAID ONTIME PAYMENTS STILL HAL F OF MY MONEY WENT TOWARDS INTRESET AND DID I SAY IF U MAKE UR PAYMENT THE DAY IT WAS DUE STILL MORE INTREST RATES UGH THIS IS ONE COMPANY I WILL NOT REFER ANYONE TO this company bad finance department's goodluck
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Loss:
$400
Mattix Cjg
map-marker Lowell, Michigan

CNAC Scammers

Well with my experince with CNAC is that they dont want to help no one..The rope you in with all there little scemes and never help you call them and tell them that you have lost your job or that you cant pay well they dont care they tell you to find the money and pay them. The will put your car up for repo if you owe them 9.00 dollars but it is kind of funny how you pay twenty dollars extra on your payment each month but you never see it because for some reason they dont know where it went to when you have all the recites to prove them wrong but yet you are still wrong and they are right...jdb and cnac are one of the two worst companys to by cars from, they scam you in to buying a piece of junk car for double the price they never tell you the price when you ask them and when you see it on a paper they tell you to never mind about it. With cnac you never have the same account mananger you have three or four people playing with your account so you cant keep someone accountable for your account at all because you dont know who is messing with your account from day to day.
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sweetG J
map-marker Indianapolis, Indiana

Cnac financial-JD Byrider:

I purchased a car from JD Byrider. I had my account set up for autmatic payment. My regular scheduled payment was deducted from my account on the 12-19-12 as scheduled. some time after that another automaric payment was submitted on my account without my authorization. leaving my account deficient to cover other bills and purchases. to top everything off this was done over the Holiday weekend (Christmas). By the time i discovered the unauthorized transaction is is Sunday and CNAC office is closed. This not only has put a real damper on my and my families holiday. But has prevented my family from enjoy a holiday rituals in which we needed such funds to complete. I am hurt aembarrassed and very pissed about what CNAC has done to myself and my loved ones. i have never been late on a payment. or given this finance compant any reason to cause myself and my familiy such detrament and embarrassment. I dnt Trust them anymore and now will terminate thier ability to retrieve payment automaticly... Sincerely Hurt and embarrassed Indianapolis JD Byrider unsatified customer...
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Loss:
$168
Anonymous

Overpriced OLD CARS!

Consumers being charged 4 times the amount of a purchase price of older cars, with problems. Most cars over 100,000 miles. Is this legal? Down payments are outrageous! Vehicle has problems of course not covered under the warranty. They say affordable monthly payments, but for a vehicle 2004 and paying 340 a month, it is not affordable! How can anyone get away with this without not being investigated? Recommmened, if you are even desperate for a vehicle stay as far away from these people as possible. It is a shame how a company can take advantage of people without even taking consideration of their financial situation. Lawyers everywhere Please investigate these people!
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Loss:
$12500
SlymenstraHymen L
map-marker Atlanta, Georgia

Made Car Payments Still Repoed Car

CNAC are scam artists. My husband has been paying payments on this car for 4 years. Late a couple times as things happens, but made every payment due on this car. A skiptrace agent contacted me Thursday informing me my husband is in possession of stolen property. Calls made by me back and forth, we all supposedly come to agreement. Pay 400 every saturday next 3 weeks, the car will be paid for. Mind you 1246.00 is all that due on the cars balance. Sent payment, car repoed. Also i will mention payments are still/were being paid in timely matter.
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Loss:
$9000
Teresa Rly
map-marker Palm Bay, Florida

JD BYRIDER IS A SCAM!!

I bought a van from JD Byrider/CNAC. I have had so many issues with the vehicle. I had it for less.than a week and the transmission went out. The A/C went out and remember there is supposed to be a warranty on the vehicles, so it should.have been repaired. They are so rude at cnac and I took the vehicle and sign a voluntary surrender paper, I AM SO DONE WITH THEM. Julie is the account supervisor in fort worth tx and when i told her she got very rude and would not let me sign it. She started telling me that they were going to garnish my wages(which is BS) and grabbed my keys and told me to get off of HER property. I am also filing a complaint with the BBB. DO NOT GO TO JD BYRIDER!#!
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2 comments
Guest

OMG.....I have the SAME complaint. I toook my car back and demanded another one within 30 days and they pretty much told me that the only choices that I had were to leave the car or deal with it.

Can you GUESS what I did???? They are FULL of it man.

Guest

I just had the same issue i haven't even had my car for 2 weeks. they won't even reply my car jd byrider in Richmond has the worse service ever only person who been helping me is the mechanic

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Marcelle Zlj
map-marker New Castle, Indiana

Cnac jdbyrider

I had a loan and paid faithfully for 2.5 years. A few times I may have paid Monday instead of Friday.

They took car after 6 days and when I tried to pay they refused to accept what I had which was 100$ less than what they wanted but I only owed 320 they wanted 500 in towing fees. That's just one example of the dirty things they did and ways they rip people off. They charged me 179 every 2 weeks for a car that had problem after problem. Promised to fix a/c the night I bought it but never did, had vehicle in 4 times for same problem that they never fixed.

Called to get car in and every time took 2 + weeks to get in and had to leave for days just to see what was wrong.

Some people have bad credit due to a misfortune and they take advantage!!! Stay away

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Loss:
$6000
6 comments
Guest

They illegally repoed our car on a current and up to date acct.

Chck out jdbyriderripoff.com . Send in your story. I have had some luck with corporate.

Guest

Me and my old lady are leasing a car from them as we speak. The first thing that I noticed was my receipts....we paid them the loan back that they put up for us...because they had the "99 dollars and you ride" slogan going that year.....well I went to school and graduated.....thats besides the point...I love math and its 3 things you don't mess with....my family, my food and my money....lets just say that they say that we still owe around 7,000 close to 8,000....but my calculation says 5,000 and something...and its sad because its a 2005 car and they are charging me a life for it......20,000,000 and something......and its been giving me problems every since we got it.....but I don't care to take it to them to get it fixed.....because if you take it to them to fix a problem they create another one so you can keep bringing it to them and end up with nothing....

Guest

Im in Texas and I recently sued them for unfair credit practices. It took 9 months, but the outcome was successful.

They have never taken my car, but the collection lady would constantly harrass me after I always paid early and extra. If there came a time when I needed to pay late, she would be completely rude instead of just using the extra that I had already paid. Should call my cell, text me, call my job and all of my references constantly!

I'm not sure he can help you in another state, but it may be worth a try.

Contact Dean Malone and Associates in Dallas. I just filled out the online questions and they contacted me.

Talani F

BBB and FTC. CONTACT THEM.

The Oak Lawn, IL location is currently about to be investigated and it's out of my control now. I was taken advantage of and wanted revenge but now I realize God and justice can serve better than you. I reported them to both agencies via writing (best way) and i make sure my voice is heard. They won't be getting away with anything this time but their jobs when the place is shut down.

BBB and FTC people!!

Don't just complain take action. It helps

Guest

They need to be stopped. I contacted BBB and you should too. It's not right that they take advantage and get away with it.

Guest

i had the EXACT same experience with them... i've paid faithfully for over 3 years and finally 4 days ago, i had my car towed into the dealer and told them to keep it.

it broke down, again, for one of the same problems it's been having. i'm over it.

CNAC, Creditmax, and JD byrider are all disgusting excuses for actual businesses. i'm embarassed that i ever trusted them or kept my car as long as i did.

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doggirl
map-marker San Antonio, Texas

Calls 10 times a day when your late on a payment.

CNAC (Helen and some other guy)on 35N San Antonio, Texas well call you and your friends n family that is on the reference list 10 times a day every 45 mins to an hour when you are a day late. They have very very poor service throuhout the whole business. People if you dont mind them callling you and your references 10 times day i guess thats the place for u. CNAC SUCKS!!!!! i would never never send anyone their. When my car was there for a oil change, they didnt complete their work they never put oil back in, so a few weeks later it burned my motor then they had my car for a whole month setting there. I spoke to the manger nothing happened, so i had to report them to the BBB for poor service, then they wanted me to pay NOT.... so beware.
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2 comments
Guest

Let's see, the website cannot be opened by my server by cell or computer, I called them today at 9pm it is now 10:03. They'll call my references all day every day if I don't get my payment.

So, if Im on time they don't answer or the website is jacked up.

If I'm late they ring my folks off the hook and want proop that there's money in the bank. BBB, here I come.

Guest

CNAC is very rude - they will not take a payment unless you have it all- they remind you that you do not have a grace period. This is the first company that I have dealt with that will not offer a grace period.

Wanted to pay once a month but can't - have to pay every week or every two weeks. A close friend who referred me to JDByrider DBA CNAC - said they will work with you but they don't. I've spoke to several people who all have the same problem with CNAC-being rude, not wanting to work with you on payments, problems with car repairs.

They say they are there to help but they DON'T. I will never recommend them to anyone.

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