CNAC, CarNow Acceptance Company

In the case of *** ***, we have reviewed this matter with the full cooperation of the
company-owned J.DByrider/CNAC in question. Ms*** is upset regarding her previous account. Please note that since filing the complaint, this matter has been addressed.
Ms*** purchased a Chevrolet Venture on June 27, from the company-owned J.DByrider located in Lafayette, IN. In November 2015, Ms*** notified CNAC that she hadtraded the Chevrolet Venture in at a local dealership in Nevada. Account notes indicate that CNAC received the dealership payoff on December 2015. After CNAC received the payoff, it was discovered that Ms*** was to receive a refund. Unfortunately, a clerical error was made and the refund check was sent to the location where Ms*** purchased. Per management, the refund check will be overnighted to the address on file for Ms***.
J.DByrider strives to achieve the satisfaction of each and every customer. The company-owned J.DByrider/CNAC was sorry to learn of Ms***’s dissatisfaction as expressed in her complaint to your office. CNAC would like to apologize to Ms*** for any inconvenience that she may have experienced, and wishes her all of the best in her future endeavorsThanks,
J.DByrider/CNAC Customer Service

In the case of *** ***, we have reviewed this matter with the full cooperation of the company-owned CNAC in question *** *** is upset regarding her previous account As a result, sje is requesting that her credit bureau be updated
*** *** purchased a
Dodge Caliber on February 15, from the now closed company-owned J.DByrider located in Marietta, GA While the dealership is closed, the company-owned CNAC is still operating and maintaining customer accounts In January 2013, *** *** notified CNAC that her vehicle had been in an accident Subsequently, the vehicle was deemed a total loss CNAC then attempted to place *** *** into another vehicle, however, she declined Account notes indicate that CNAC accepted $5,from her insurance provider on February 13, After the insurance check was received, a deficiency balance remained on the account *** *** was notified that she would still be responsible for the deficiency balance, all according to proper procedures Records show that CNAC never received another payment from Ms Jordan As such, her account is reporting accurately.The company-owned CNAC was sorry to learn of *** ***'s dissatisfaction as expressed in her complaint to your office Nevertheless, they are unable to adhere to her requested resolution to update her credit bureau If *** *** would like to settle her account effectively updating her credit bureau, she can contact CNAC management at 317-249- If *** *** would like to dispute her account status, it is recommended that she contact the major credit reporting agenciesThanks,
CNAC Customer Service

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below:#I have spoken with supervisors from CNAC in the past; it was supposedly noted on the account in the past that CNAC was not to contact me prior to 8pm Eastern, as both contact numbers that they have for me are used for business purposes prior to 8pmCNAC collection representatives still contacted me several times after this supposed action was enacted prior to 8pm EasternI do not trust this company to keep this agreement.#This company claims no wrongdoing with regards to their collection procedures, however, they continuously harassed me by phone, including calls made at 6:48am, 7:21am, 7:36am and 7:49am in the past, which are outside reasonable hours.#My wife was hospitalized, had surgery and was in intensive care; I called in advance and notified CNAC and the harassing calls continued the entire time my wife was in the hospital; including the calls prior to 8pm Eastern.#CNAC representatives have been abrasive and verbally abusive to me on the telephone in the past.#CNAC did not properly address my suggestions for resolution of the problem, which are listed below:I am formally requesting that this business not contact me by phone before 8pm Eastern timeIf they cannot comply, then I request that communication involving this account only be done by email and US MailAdditionally, I would like an apology by both email and US Mail.I would also like the opportunity to speak with an account manager capable of adjusting our account to reflect the change of pay periods, as I was told when we started this account that if this information changed, the company would be happy to work with us to reflect this information.Finally, if this is not possible, I am requesting that this account be terminated, the vehicle will be returned to them and the amount paid of $be refunded, as this company has fallen short of their inflated explanation of service at the time of account opening and the financing terms outlined to me and my wife at account initiation are not as explained previously.When CNAC is ready to negotiate, they can send me an email and I will be happy to set some time aside to communicate with them; until then, I am not ready to say that this company satisfactorily resolved the issues we are having
Regards,
*** ***

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not
resolve my complaint. For your reference, details of the offer I reviewed appear below
Is there anyway I can add comments to my case, I have had email communication with the business, and they refuse to deal with me via email..my only form of possible communicationIn fact I was told to go to the police station or fire station and use their phone, that's absurd
Please tell me who I can contact regarding this kind of harassment and incorporation of what I see to be a bug matter to me
Please send email as that's all I can get for access
Thanks
***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear
below.[Provide details of why you are not satisfied with this resolution.]
Regards,
*** ***

In the case of *** ***, we have reviewed this matter with the full cooperation of the company-owned J.DByrider/CNAC in question. MrsLove is upset regarding her account. As a result, she is requesting a
refundJoel Love purchased a GMC Envoy on July 27, from the company-owned J.DByrider located in Lafayette, IN. *** *** is listed as the co-buyer on the account. Records show that their payments are automatically deducted on a bi-weekly basis. Account notes indicate that the January 8, payment was run automatically, however, it was declined. Since that date, their payments have been running days past due. CNAC attempted to contact them regarding their account on multiple occasions, but never received a call back. The second payment in question was ran on April 1, 2016, as it was their due date. Given the fact that their payments were running days past due, there was an overlap of payments, thus causing two to be taken on the same date. CNAC would like to apologize for any inconvenience.
J.DByrider strives to achieve the satisfaction of each and every customer. The company-owned J.DByrider/CNAC was sorry to learn of MrsLove’s dissatisfaction as expressed in her complaint to your office. CNAC is currently in the process of refunding one of the payments taken on April 1, 2016. If Mror MrsLove would like to further discuss their account, it is recommended that they contact CNAC management at 765-447-4535. The company-owned J.DByrider/CNAC will continue to accommodate Mrand MrsLove to the best of their abilities, and hopes to move forward amicably in their relationship with themThanks,
J.DByrider/CNAC Customer Service

In
the case of *** ***, we have investigated this matter with the full
cooperation of the company-owned J.DByrider/CNAC in question. Mrs. *** is upset regarding the handling
of her
account.
Mrs
*** purchased a Chevrolet Impala on November 9, from the
company-owned J.DByrider located in Pittsburgh, PA. Since filing the complaint, the company-owned
CNAC has contacted Mrs*** and both sides have come to an agreeable
resolution. Management has arranged to
return the vehicle back to Mrs*** possession. The company-owned J.DByrider/CNAC would
like to apologize to Mrs. *** for any inconvenience that she may have
experienced. The company-owned J.DByrider/CNAC will continue to
accommodate Mrs. *** to the best of their abilities, and hopes to
move forward amicably in their relationship with herThanks,
J.DByrider/CNAC Customer Service

In the case of *** ***, we have reviewed this matter with the full cooperation of the company-owned J.DByrider/CNAC in question. Ms*** was upset regarding the handling of her account. Please note that since filing the complaint, this matter has been
resolved. *** *** purchased a Chevrolet Cavalier on May 7, from the company-owned J.DByrider located in Amherst, OH. *** *** is listed as the co-buyer on the account. Per management, Ms*** was given the contact information for the repossession agent on July 3, 2015. A follow up with the repossession agent confirmed that the vehicle was picked up that evening. The company-owned J.DByrider/CNAC would like to apologize to Ms*** for any inconvenience that she may have experienced. J.DByrider strives to achieve the satisfaction of each and every customer. The company-owned J.DByrider/CNAC was sorry to learn of Ms***’s dissatisfaction as expressed in her complaint to your office. The company-owned J.DByrider/CNAC will continue to accommodate both *** and *** *** to the best of their abilities, and hopes to move forward amicably in their relationship with them. Thanks, J.DByrider/CNAC Customer Service

In the case of *** ***, we have reviewed this matter with the full cooperation of the company-owned J.DByrider/CNAC in question *** *** is upset regarding the handling of his account Please note that since filing the complaint, this matter has been addressed*** *** purchased a Dodge Caliber on January 16, from the company-owned J.DByrider located in *** ** Per management, *** *** had a returned check on June 3, CNAC then attempted to contact *** *** to discuss the payment Records indicate that CNAC has had no communication from *** *** since June 17th, and that he has not attempted to make up the returned paymentIn the event that a customer becomes delinquent, CNAC will call the customer at their primary phone number to remind them of the missed payment(s) If the customer is unreachable at their primary number, CNAC will utilize the remaining contact numbers in an attempt to get a message to the customer and establish a line of communicationCommunication attempts may include reaching out to the references that *** *** supplied at the time of purchase Given the ongoing nature of the delinquency, CNAC utilized all contact methods available in an attempt to contact and make payment arrangements with *** *** CNAC apologizes if *** *** felt this was unnecessary, however, he was not communicating with CNAC at the time Please understand that it is the goal of CNAC to help customers successfully maintain their account through consistent, on-time paymentsJDByrider strives to achieve the satisfaction of each and every customerThe company-owned JDByrider/CNAC was sorry to learn of *** ***' dissatisfaction as expressed in his complaint to your officeIn the spirit of customer service, CNAC has agreed to *** ***' requested resolution *** *** account has been noted to limit the number of calls to him regarding his account At this time, it is recommended that *** *** contact CNAC management directly at 814-864-to discuss bringing his account currentThe company-owned JDByrider/CNAC will continue to accommodate *** *** to the best of their abilities, and hopes to move forward amicably in their relationship with himThanks,
JDByrider/CNAC Customer Service

Rip off Their cars are over pricedI recently got in a car accident and my insurance paid for what the car was worthThey charged for a impalaI would not do business with them again

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10705062, and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear belowPlease be advised that this case has NOT been closed I have received NOTHING from JD Byrider / CNAC but a promise (through your site only) and a complete failure to communicate with me after several attempted calls and messages
DO NOT CLOSE THIS CASE--IT IS FAR FROM CLOSED Do I need to take it to court or can it be resolved here?
Regards,
Neil A ***

In the case of *** ***, we have reviewed this matter with the fullcooperation of the company-owned J.DByrider/CNAC in question. Ms*** is upset regarding the handling ofher account. As a result, she would likefor any future communication regarding her account
to be made directly toher. Please note that since filing thecomplaint, Ms***’s request has been noted on her account. Ms. *** purchased a Buick LeSabre on May 17, from the company-ownedJ.Dlocated in Madison, TN. Inthe event that a customer becomes delinquent, CNAC will call thecustomer at their primary phone number to remind them of the missedpayment(s). If the customer is unreachable at their primary number, CNACwill utilize the remaining contact numbers in an attempt to get a message tothe customer and establish a lineof communication. Communication attempts may also includereaching out to the references supplied by Ms*** atthe time of purchase. The company-owned CNAC apologizes ifMs*** felt these calls were unnecessary. Please understand that it is the goal of CNACto help customers through the successful completion of their account. As a gesture of goodwill and inthe spirit of customer service, the company-owned CNAC has agreed toMs***’s requested resolution. Any future communication relating to heraccount will be made directly to Ms***. J.D. Byrider strives to achieve the satisfaction of each and every customer. The company-owned J.DByrider/CNAC was sorry to learn of Ms***’sdissatisfaction as expressed in her complaint to youroffice. The company-owned J.DByrider/CNAC will continue to accommodateMs*** to the best of their abilities, and hopes to move forwardamicably in their relationship with her Thanks,J.DByrider/CNAC Customer Service

In the case of [redacted], we have reviewed this matter with the full cooperation of the company-owned J. D. Byrider/CNAC in question.  Ms. [redacted] is upset regarding her account.  As a result, she would like for any future communication to be sent to her via email and for her...

references to be contacted less.Ms. [redacted] purchased a 2007 Hyndai Azera on March 3, 2015 from the company-owned J.D. Byrider located in Columbus, OH.  Account notes indicate that Ms. [redacted] was several weeks late on a deferred down payment.  In the event that a customer becomes delinquent, CNAC will call the customer at their primary phone number to remind them of the missed payment(s).  If the customer is unreachable at their primary number, CNAC will utilize the remaining contact numbers in an attempt to get a message to the customer and establish a line of communication.  Communication attempts may include reaching out to the references that Ms. [redacted] supplied at the time of purchase.  Given the ongoing nature of the delinquency, CNAC utilized all contact methods available in an attempt to contact and make payment arrangements with Ms. [redacted].  CNAC apologizes if Ms. [redacted] felt this was unnecessary, however, she was not communicating with CNAC at the time.  Please understand that it is the goal of CNAC to help customers successfully maintain their account through consistent, on-time payments.
J.D. Byrider strives to achieve the satisfaction of each and every customer.  The company-owned J.D. Byrider/CNAC was sorry to learn of Ms. [redacted]'s dissatisfaction as expressed in her complaint to your office.  In the spirit of customer service, CNAC has agreed to Ms. [redacted]'s requested resolution. Ms. [redacted]'s account has been documented to use email as the primary source of contact, and to give her more time to respond before contacting her references.  Also, as a gesture of goodwill, CNAC will continue to accommodate Ms. [redacted] to the best of their abilities, and hopes to move forward amicably in their relationship with her.
Thanks,
J.D. Byrider/CNAC Customer Service

In the case [redacted], we have reviewed this matter with the full cooperation of the company-owned J.D. Byrider/CNAC in question.  Ms. [redacted] is upset regarding the handling of her account.  As a result, she would like no further contact. [redacted] purchased a 2006...

Dodge Stratus on August 2, 2014 from the company-owned J.D. Byrider located in Indianapolis, IN.  [redacted] is listed as the co-buyer on the account.  Records indicate that [redacted] recently fell behind on her contractually obligated bi-weekly payments. In the event that a customer becomes delinquent, CNAC will call the customer at their primary phone number to remind them of the missed payment(s).  If the customer is unreachable at their primary number, CNAC will utilize the remaining contact numbers in an attempt to get a message to the customer and establish a line of communication.  Communication attempts also include reaching out to the co-buyer on the account.  CNAC apologizes if Ms. [redacted] felt this was unnecessary, however, [redacted] was not communicating with CNAC at the time.  Please understand that it is the goal of CNAC to help customers successfully maintain their account through consistent, on-time payments.  J.D. Byrider strives to achieve the satisfaction of each and every customer.  The company-owned J.D. Byrider/CNAC was sorry to learn of Ms. [redacted]’s dissatisfaction as expressed in her complaint to your office. CNAC has agreed to note their account that no additional contact is to be made.  However, the account is currently in delinquent status.  At this time, it is recommended that either [redacted] or [redacted] contact CNAC management directly at 317-347-6484 to discuss bringing their account current.  Thanks,J.D. Byrider/CNAC Customer Service

I was used as a reference for a loan. I did not receive a call asking about the individual applying for the loan nor did I have any knowledge of being used as a reference. I have been called numerous times by CNAC representatives trying to contact the person to whom the loan was given. I told them I had no contact with the individual and to please not contact me any further in regards to this loan. They said they would put me on a no call list, I am still receiving calls even after calling them multiple times and receiving confirmation that their system says do not call my number. They said if they look a name up on the internet and a number comes up they will call that number without checking their database to see if it has been called previously, so basically as long as the individual still owes on the loan I could be called..

CNAC on Colerain Avenue aka J.D.Byrider are absolute liars. I was told three different things on recorded lines today after trying to work out a repo issue. I thought they were taking the car pymt from my account and they hadn't taken it for two months. I did not receive a letter of notification and then tried to make one of the car pymts today amd maybe put the other at the end of my loan and they told me both car pymts had to be made. Being a single mother of three children with medical and mental health issues, I could not do that. I called back again after my exboyfriend offered to pay for both pymts and the rude lady on the phone who laughed at me, as a sign of trying to torment me, said they would not take both pymts I would have to pay the car in full. Right because people that come to that company who are already hurting on credit trying to make things right can carry $24,000 for a car that had computer problems and the computer in the car wasn't able to give a diagnostic of the problem when it was taken up for an oil change less than thirty days after purchase and I was told there were leaks in the power steering and oil leaks. This company is a scam artist and I believe they fix cars to seem right and when you seal that deal in less than 30 days.....your car starts acting up but by then they have you. Then try to collect for a car that wasn't worth half what you paid but your credit forces you to turn to companies like these that prey on us.

In the case of [redacted], we have reviewed this matter with the full cooperation of the company-owned [redacted]/CNAC in question.  Ms. [redacted] is upset regarding her account.  As a result, she would like a refund. Ms. [redacted] purchased a 2008 Chevrolet Impala on [redacted]...

**, 2015 from the company-owned [redacted] located in Columbus, OH.  Account notes indicate that Ms. [redacted] obtained Collateral Protection Insurance (CPI) that CNAC offers as a low cost alternative for customers. CNAC uses a separate account number and receives premiums separately on the insurance product. Prior to purchase, Ms. [redacted] went through a closing procedure where the Collateral Protection Insurance was reviewed.  During this time, the $36 deductible and coverage terms were explained to her.  CNAC would like to apologize to Ms. [redacted] for any confusion surrounding her account, and recommends that she contact CNAC management directly at 614-575-8375 with any questions or concerns.  [redacted] strives to achieve the satisfaction of each and every customer.  The company-owned [redacted]/CNAC was sorry to learn of Ms. [redacted]’s dissatisfaction as expressed in her complaint to your office.  Nevertheless, CNAC is unable to adhere to her requested resolution.  The company-owned [redacted]/CNAC will continue to accommodate Ms. [redacted] to the best of their abilities, and hopes to move forward amicably in their relationship with her.Thanks,[redacted]/CNAC Customer Service

Worst company I have EVER bought a car from! If we have an issue they will just keep transferring you till you hang up, plus they decided that they were illegally going to run my husbands card for a payment without his authorization. It also took them over a month just to send me paperwork to get the pay date change done so it affected my credit yet I was alway paying my payment on time!! We are in so much debt from a 04 truck that there is no way to get out from under it if we wanted too becuase they charged so much so such an old car so we are basically stuck with this company until the rest of my 11,000 dollar loan is paid.

Per
management, [redacted] (co-buyer) agreed to an arrangement to get the
account current over an 8 month period. 
Mr. [redacted] was then to retrieve the vehicle at 4 pm on October 28,
2014.  On October 28, 2014 at 5:40 pm, the
company-owned J.D. Byrider/CNAC was notified that [redacted]’s did not want the vehicle
and that they had found alternate transportation. 
Thanks,
J.D. Byrider/CNAC Customer Service

In the case of [redacted], we have reviewed this matter with the full cooperation of the company-owned J.D. Byrider/CNAC in question.  Mr. [redacted] is upset regarding his account.  Please note that since filing the complaint, this matter has been addressed.  Mr. [redacted] purchased...

a 2004 Oldsmobile Alero on May 15, 2014 from the company-owned J.D. Byrider located in Toledo, OH.  Management has since attempted to contact Mr. [redacted] in order to provide him the $300 in gas cards.  A voicemail was left with the option of having the gas cards sent to him or to have him visit the dealership at his earliest convenience.  Mr. [redacted] can contact management at 419-842-1655 with his decision.  The company-owned J.D. Byrider/CNAC would like to apologize to Mr. [redacted] for any inconvenience that he may have experienced.  J.D. Byrider strives to achieve the satisfaction of each and every customer.  The company-owned J.D. Byrider/CNAC was sorry to learn of Mr. [redacted]’s dissatisfaction as expressed in his complaint to your office.  The company-owned J.D. Byrider/CNAC will continue to accommodate Mr. [redacted] to the best of their abilities, and hopes to move forward amicably in their relationship with him.Thanks,J.D. Byrider/CNAC Customer Service