Cnac Financing

bought a car March 3 2021 from JD Byrider I have made all my payments and a couple to

times I was late maybe 1 or even 2 days this month I was sick the first week of July and on the 7 th I heard car so I went to my door and saw a repo truck I went out and said can I help he didnt answer but kept walking toward my car which was backed up under some trees in my yard for shade, I said excuse me a couple times I reached my car about when he did an I said again can I help you and very hateful he

Said you know why Im here so dont act stupid . I said , Well I guess Im not acting cause I have no

Idea why you are here .

Then he said Im taking this car , and I said no your not and why are saying that he was so rude

and ugly to me he finally said I defaulted with the finance company an he

was repoing car and I couldnt stop him. I said to well Im not sure thats right but in case my payment didnt post its only 4 days so this cant be right and you need to leave my property right now I will be calling and getting this straight but sir you arent taking my car . I have to have this car I make

My

Payments every month I tried to tell him I had been sick all week an hadnt checked on anything but I would soon as he left the thing is

This I have a 13 year old child with special needs that wasnt suppose to live past 2 years old he has many

Very serious medical issues and lots of hospital visits we live an hour and a half from the hospital so I couldnt allow him to take my car but he said to bad thats your problem Im taking this car he started to his truck I got in my car and started to back up to keep him from hooking to it an he tried hit me and barely missed I dont know how I got turned enough that he didnt . My husband seen what he done and he came out with his gun and told the man you have told to leave many times and now you are trespassing and you also

almost hit my

wife so you

better drive off this property or you will be walking off it .

I

Was in my

Backyard on the phone with Taylor from Byrider and that woman was cussing me and calling me a

Lyer saying I had been late on every

Payment and they were tired of messiing with me . I said I think you have me mistaken with someone else and she went off on me like I was the worst low life on earth . I ask for a manager and she informed me she was the manager I said then just put someone else on this phone who will talk to me because Im not going to be talked to like your doing she no so I told her I was hanging up and she needed to get someone to call me . I checked my

bank and my

Payment wasnt posted so I tried to make it right then but it said my

Account was locked I tried again yesterday to make

My payment still locked and it says next payment due July

1,2023.

$7 000 + That I will have to speak with a

Representative for that payment . I paid $ 2400 down and $432 a month on that car . Come on Arkansas do you really allow people to be treated like this and can you honestly say they are right in what they are doing to people .I have been reading so many complaints on this very same thing . People are only human and sometimes they mess up and mistakes happen but do you really have kick them so hard they cant get back up .

I may be wrong but I will not give my car back to them and I will not allow them to repo it . I have my payment if they dont want it fine I will put in a separate account and someday when they want to be adults and treat people with respect their money will be waiting for them . Dont think you can intimidate me or scare me you have no idea the weight I carry every single day of my life . I will not allow anyone to talk to me like Im nothing .

I will say this too if I had been late on every payment like she said and months behind I still would have deserved to be treated with some respect . I hope someone reads this and can see there is something wrong with the way people are being taken advantage of from JD Byrider and CNAC . I have a print out of my all my payments i just dont understand why they think they have the right to repo ok they say no grace period but really are you for real Im sure that repo driver and court costs will be more than the 4 day late

Payment when this over . They are deceiving people they drag people that is struggling in with their promise for

A great car and to build their credit which is far from true .

They dont do anything but harass people and threaten them how can that be legal . Im not the only one they have done this too ..

I purchased a SUV two years ago from byrider in Durham and I should of known the car was a lemon when on day 2 it had to be towed due to electrical issues. Then few months later it was towed again, at my expense for a simple fix, I thought but instead the car was kept for 6 weeks to get a new motor.

And over the last year it's been back twice and of course it's for items not under warranty.

Patrick from the service department is a *** he is very rude and should not be allowed to talk to the public. I just want to get a better car but they don't want to help but make sure you make your payments on time, you will receive a letter to come take it

I purchased a suv from JD Byrider in Joliet last year. After purchasing what had seemed to be perfectly running vehicles four days later I come to find that the car had a transmission issue.

I called them and let them know that hey I purchased my car from you guys a few days ago and now it seems the transmission is starting to slip. I was then told hey its the second today we want be able to look at the car until the 7th. I then tell them Ill drop it off back to your location and have a look at some other vehicles. I was then told you want be able to trade the car back for anything else well have to check the car and make sure its the transmission or if its something you may have caused.

So I said something I caused I only had the car for four days and you wanna put it on me? Nah I dont think so! Imma need you guys to find out the issue or I dont wanna continue with the process and you can keep your car. They told me on you cant just give it back you signed the papers on this car its yours now.

Your responsibility is to make the payments on this car. We will give you a call once the issue is corrected or to let you know what we find. Okay so now its the 7th they call me and say hello Ms Davis your car is ready we didnt find any issues with it you can pick it up now. I go get the car and drive it to work for the next 3days and boom the transmission slips and me and my 1yr old at the time are in traffic on the expressway almost being hit by a truck because the transmission slips.

I called them back and let them know hey you told me it was nothing wrong with the transmission in my truck and here it is today the transmission slips while Im driving home with my 1yr old in the back seat damn near being hit by a truck! Yall told me oh its how the car sounds its a ford drive it few days you shouldnt hear that sound anymore the car just hasnt been driven!!

Lied to me and damn near had me in someones hospital and possibly losing my child!! I was pissed!!

I made a call on September 18th, 2023

About what my options were for not being able to make two of my upcoming payments. I explained to the agent that I had lost my wallet while I was away in Austin City.

It contained not only my recently cashed check but my State ID, my DL, even my social sercurity all of my debit credit cards everything. So I had asked what were my options the agent explained that he sympathized for me and that I dont have a option to refinance my lease I qualified for a deferred option to move the payment to the end of my lease. I requested two payments to be moved September 16th, 2023 and October 1, 2023. Since the soonest I could get a set appointment at the dmv was October 11th.

To my knowledge I thought everything was settled but Im still receiving missed calls and voicemails stating that none of this was covered or that it even occurred even though I requested that a note be left on my account just incase Ive been trying to contact CNAC almost everytime I can I dont know if its my signal or if Im just calling at a bad time please respond I have no idea whats going on or what is even happening Ill be calling again tomorrow my number has never changed

Thank you. -Bernard Ramirez