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I recently fell behind on my payments. For those of you that have criticize others on here, let me make one point, and that is that I did always make my payments, and fell behind due to a medical condition that kept me from work and drained my savings.

I called CNAC, and advised of the situation. I tried to work with them, offering partial payments, but was declined. CNAC stated that the only option is to make the total payment. CNAC then began harassing me, acting as if I was dodging them which was NEVER the case.

The contacted friends and family members, my place of work, and even called my neighbors. The would call their homes, cells, and places of work. I even was advised that CNAC had stopped at my neighbors to get personal information about me. I asked several time to stop the harassment, but they advised that they have every right to call, and stop at the residency,of anyone they want to contact me.

Again, I NEVER dodged their calls, and always returned calls that I missed. I finally was able to pay the past due balance that was owed after returning back to work, and getting my Federal tax return. The local office closed recently, and the nearest office is now 45 miles away. They demanded that I drive the 90 miles, round tip, to drop off the payment.

They offered to take the payment by phone, but will charge a $5.00 fee, plus I know that they keep my cc# info and do not want to take a chance with these people. They also offer a auto pay, but again, I do not trust these people. I sent the payment to them via certified mail. Enclosed in the envelope where two money orders, a letter giving official notification to discontinue calling my friends, family, and neighbors about my account or to get info about me, also a SASE so they could send a receipt for the payment back to me.

The letter was received by CNAC the very next day, and two days later I received my SASE, but enclosed was a receipt for less then what I had paid. I also received a letter advising me that my car insurance had been canceled and needed reinstated. This did occur and was due to my financial problems. It had been reinstated, but CNAC had not received notification.

Immediately called CNAC and was advised that they did receive the full past due payment, but that they said it was my fault that I didn't get a receipt showing full amt. REAS: I sent 2 money orders and only one SASE!!! That makes no *** sense. The advised that they will send the other receipt.

i also advised them that the insurance was reinstated, and that I will fax the info to them, but due to my work schedule, would not be able to do so for 2 days. I later receive a voicemail message from CNAC and I was advised that they would send the receipt but not until I send the insurance info! I immediately called the BBB regarding this issue. Was advised that they are required to give me a receipt for payment and that I had gone above and beyond by sending a SASE.

I called CNAC and advised that I had called BBB and filed an official complaint, That I will not tolerate being bullied by them, and that until they send the receipt for my last payment, no future payments would be sent. I placed the payments in an account, and planned on sending a copy of the receipt to them. Before I was able to do so I received a call back advising that the receipt has been sent to me, and apologized for their actions. I also learned that the FAX number they had given me was no longer in service (I'm wondering if they didn't pay their bill).

Since then, the insurance info was sent, I'm up to date on payments, and I haven't received any further calls (and neither have my friends, family, and neighbors) I recommend NEVER getting a car from JD Byrider, Never get financing from CNAC! I know I wont!

Location: Washington, District Of Columbia

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Favor Lcy

I Agree too, i was one day late on a payment because my card was comprised and the same day i called them and was able to recover my card and make the payment. The next day they sent me a 24 hour notice!

Im so upset and worried they will take my car and money! i won't be able to sleep tonight. I thought about all the people they must do worse to.

Those who are struggling due to unemployment from COVID 19. I thought their morals was to help people but rather they wouldn't hesitate to BURY YOU ALIVE

Guest
reply icon Replying to comment of Favor Lcy

I know Iโ€™m a year late to this comment thread, but I just experienced getting my car repossessed due to their lack of responsibility. I was late on two payments, but kept open communication with CNAC and explained my situation.

March 23rd, I made a payment of $560. March 28th they came and repossessed my vehicle. I called them immediately the next morning, and the woman I spoke with claimed there was no payment made. I sent her an email with my bank statement attached, and she still denied.

They then wanted to charge me $2,000 to get the car back. When I expressed my confusion and frustration, I was told that I am obviously just incompetent and didnโ€™t read the dotted lines.

Guest

i so agree with that whole comment we just got a car from jd byrider we have always made our payments on time even through covid 19 just we my wife was sent home for 28 days due to some at her work place having tested postive we called cnac to let them know we could make half of a payment Ebony the man we spoke to told us no and if we didnt make a payment within 3 days they would repo our car

Guest
reply icon Replying to comment of Guest-1918650

Another โ€œhigh qualityโ€ whiner here! No punctuation, run on sentences!

This is stuff they teach in the third grade! Am I ever impressed!

Guest

This company has put me through emotional *** I am a cancer patient with a loc of medical documentation. During chemo I was not able to make a full payment They called up to three times a day.

They are cruel beyond belief. I totally despise them. I found this info you posted here because I was googling if they are helping us during corona. I can't make my full payment which is due Friday.

So I have to call them tomorrow.

I may end up drinking a lot of vodka by tomorrow morning to cope with them! lol.

Guest

I'm not behind or anything but I had switched jobs and asked if I could change pay dates to my new pay days witch was earlier then the past due dates and they would not budge at first and the they finally did witch I had to pay an extra payment to change it but it's still due the old payment schedule..so they also made me feel like a pos and treated me like I was so far behind witch in reality I wasnt and now they always act like they did me favor witch they didnt..if your one day behind they act like they are to come for your car..I'm never ever buying again...for starters the car that sold me is a pos I had to put so much money in to it and the warranty means nothing!

Emmette Ddn

I have a loan through CNAC also, with my SUV from byrider and am having reline with this also. CNAC KEYS PEOPLE DO BUSINESS ON MY ACCOUNT WITHOUT MY PERMISSION.

AND HAS LET THE CO SIGNER KEEP MY SUV ANAND NOT GIVE IT TO ME, WHEN I WAS THE LOAN APPLICANT. SO WHAT AM I SUPPOSE TO DO CONTACT A LAWYER?

Tandra Nij

I have been *** over two bad choice of business, did the BBB get back with you

Guest

Most heartless company ever invented.... there is a hottt place in *** for them...

Guest
reply icon Replying to comment of Guest-1733784

Pretty much at 21% Intrest rate they are not loosing out on anything *** one year of payments pays the whole car off take advantegr of people

Guest

They suck *** I bought a car from them and had 9,000 left to pay so I traded it in to get a newer model so people see if you can trade there cars in and roll the payments over to something new the minute your score reaches 620 and the dealer will give you a better apr then refinance it through your bank that's how you get out of there ***

Guest

Wow

Guest

They are just doing their jobs if you were to go to a regular dealer and did not make a payment they would do the same thing or just come get the car

Guest
reply icon Replying to comment of Guest-1591100

THEY ARE A NUISANCE TO SOCIETY CLAIMING THERE HELPING THE FOLKS THAT HAVE FELT THE DEVASTATION OF OUR ECONOMY. ! I PAY ATTENTION I DON'T LET ATTENTION PAY ME!.

Guest
reply icon Replying to comment of Guest-1639289

The program is designed to help boost your credit. Customers that make all of their payments on time see a significant increase in credit score and are able to get newer model vehicles from other dealerships.

Guest
reply icon Replying to comment of Guest-1786241

Bs they don't even report ur payments correctly or on time it's a joke while they line their pockets...

Guest
reply icon Replying to comment of Guest-1591100

No other places work with you trust me I have two cars one with them and one with another company and the one he is talking about is HORRIBLE

Ugochukwu Byq
reply icon Replying to comment of Guest-1591100

That is untrue. It takes 3 months before a dealer will contact snyone you add to your list of contacts.

Durant Qkm
reply icon Replying to comment of Ugochukwu Byq

Can you get 2 fresh starts in the same year?

Guest
reply icon Replying to comment of Guest-1591100

This is not true! As soon as you miss a payment they start harrassing you and everyone you know.

I had health issues and unable to work. Instead of making arrangements they threatened to come and take my car after paying on it for 4 1/2 yrs. They do not care what the reason. Now that I have finally paid it off they reported it to the credit bureau's that my account is CLOSED instead of PAID IN FULL.

Which has caused my scores to drop significantly. I am still waiting for them to take off the 4 late payments as promised when signing up for the Fresh Start program.

They definitely SUCK!!! Would never subject anyone I know by referring them.

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