CNAC, CarNow Acceptance Company

In
the case of [redacted], we have investigated 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
her vehicle returned to her and for a payment arrangement to be made. 
Ms.
[redacted] purchased a 2005 Ford Explorer on September 8, 2012 from the
company-owned J.D. Byrider located in Cincinnati, OH.  Once notified of the payment discrepancies as
outlined in Ms. [redacted]’s original complaint, the company-owned CNAC acted
quickly in refunding the payments in question. 
However, refunding the payments meant that Ms. [redacted]’s account was in
delinquency.  Seeing as Ms. [redacted]’s
account was several months past due and with no assurance from her that the
payments would be made, the
company-owned CNAC had no choice but to deem her vehicle eligible for
repossession.  On July 8, 2014 Ms.
[redacted]’s vehicle was repossessed.  Per
CNAC management, Ms. [redacted] was then given the opportunity to bring her account
current, however, she was unable to do so. 
Since
filing the complaint Ms. [redacted]’s vehicle has been sold at auction, with the
proceeds from the sale being applied to her account.  Ms.
[redacted] should be aware that she may be held
responsible for any deficiency balance owed on
the account, as was agreed upon in the Retail Installment Contract and Security
Agreement signed at the time of purchase. 
J.D. Byrider strives to achieve the
satisfaction of each and every customer. 
Unfortunately, the company-owned J.D. Byrider/CNAC is unable to adhere
to Ms. [redacted]’s requested resolution, seeing as they no longer have possession
of the 2005 Ford Explorer.  The
company-owned J.D. Byrider/CNAC was sorry to learn of Ms. [redacted]’s dissatisfaction
as expressed in her complaint to your office and would like to apologize for
any inconvenience that she may have experienced.
Thanks,
J.D. Byrider/CNAC Customer Service

Per CNAC management, Ms. [redacted]’s check was mailed to her last known address onfile on Thursday February 12, 2015.  Ms. [redacted] should be aware that there could have been a delay in receiving thecheck, due to the fact that Monday was President’s Day.  The company-owned J.D. Byrider/CNAC appreciates Ms. [redacted]’s patience, and wishes her all ofthe best in her future endeavors.Thanks,J.D. Byrider/CNAC Customer Service

We have attempted to contact the customer to resolve this issue via email and have not had any response to date

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.Cnac has been saying for over a month that the check will be mailed and I have not received anything. Cnac already has knowledge that a refund should be awarded to me but are taking the longest amount of time possible in getting it to me. Someone at Cnac should know exactly when or if a refund has been sent out and if it has then I should have received it by now, which I haven't.
Regards,
[redacted]

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.  As a result, he would like to be reimbursed for banking fees.  Mr. [redacted] purchased a 2005...

Nissan Altima on July 22, 2013 from the company-owned J.D. Byrider located in Monroeville, PA.  Management has since contacted Mr. [redacted] requesting that he submit bank statements showing the accrued fees.  Once the bank statements are received, CNAC will review them and determine the appropriate reimbursement for Mr. [redacted].  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]’ 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

In the case of [redacted], we have reviewed this matter with the full cooperation of the [redacted]/CNAC franchise in question.  Mr. [redacted] is upset regarding his previous account.  As a result, he is...

requesting a refund. Mr. [redacted] purchased a 2005 Ford Escape on April 14, 2015 from the [redacted] franchise located in Austin, TX.  Account notes indicate that he recently traded-in the Ford Escape at a local dealership.  Per management, a settlement was approved for $7,500.  The payment mentioned by Mr. [redacted] in his original complaint occurred on April 28, 2016.  As a result of that payment, a lesser payoff amount was allowed, which in turn helped get the account settled for less.  [redacted] strives to achieve the satisfaction of each and every customer.  The [redacted]/CNAC franchise was sorry to learn of Mr. [redacted]’s dissatisfaction as expressed in his complaint to your office.  Nevertheless, CNAC is unable to adhere to his requested resolution.  If a refund was issued the dealership payoff check would be shorted, thus leaving a balance on his account.  If Mr. [redacted] would like a more detailed explanation, it is recommended that he contact CNAC management at 512-201-1717.  
Thanks,
[redacted]/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 previous account.  As a result, he is...

requesting that his credit bureau be updated. Mr. [redacted] originally purchased a 2005 Buick LaCrosse on January 1, 2016 from the company-owned J.D. Byrider located in Greenwood, IN.  Unfortunately, the vehicle was involved in an accident and subsequently deemed a total loss.  Following the accident, CNAC agreed to sell him another vehicle.  Accounts notes show that Mr. [redacted] then purchased a 2005 Hyundai Tiburon on August 5, 2016.  Per management, a clerical error was made regarding Mr. [redacted]’s previous account.  However, CNAC will be correcting the error and updating his credit bureau accordingly.  Mr. [redacted] should be aware that it can take 30-45 days for the credit agencies to update the status of his credit bureau.  CNAC would like to apologize to Mr. [redacted] for any inconvenience.  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

In
the case of [redacted], we have investigated this matter with the full
cooperation of the company-owned J.D. Byrider/CNAC in question.  Ms. [redacted] is requesting the title to her
vehicle as well...

as a refund.
Ms.
[redacted] purchased a 2005 Ford Focus on March 28, 2011 from the company-owned
J.D. Byrider located in Lima, OH. 
Account notes indicate that Ms. [redacted] paid her account in full on July
18, 2014.  At that time, a title request
was put in as well.  Per CNAC, the title
to Ms. [redacted]s vehicle was mailed to her on August 5, 2014.  Seeing as vehicle titles are not held on
site, delivery can take anywhere between 4-6 weeks.  As to the refund mentioned by Ms. [redacted],
CNAC management has confirmed that the amount in question is interest that
would have had to been paid, had Ms. [redacted] paid her account off according to
the payment schedule.  The amount does
not represent any kind of overpayment by Ms. [redacted], therefore no refund is
due.  Please find attached a copy of Ms.
Shaffer’s payment ledger showing a zero balance on her account.
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. The
company-owned J.D. Byrider/CNAC would like to apologize to Ms. [redacted] for any
inconvenience that she may have experienced, and wishes her all of the best in
her future endeavors.
Thanks,
J.D. Byrider/CNAC Customer Service

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action 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.]I don't believe in their tactics of lying to me or to a major company that is acting on both halves. When I tried to adjust my payment arrangements and schedule it wasn't enough. I can't do more than $175/$200 a month seeing that they keep adding more interest to my account, my account for said vehicle is $9000.00, but if I bought it now it would be less than $5000.00, I can't keep up. I want to work with them, but all I get I go somewhere to call them...no phone, right now least of my problems. Yes I need my car to sleep in, find a job, and a home/place to stay permanently. They keep emailing me sometimes more than once a day, the harassment is making my verifiable medical condition worse.
Regards,
[redacted]

At this time, it is recommended that either Joel or [redacted] contact Rachael [redacted] directly at [redacted] to discuss their options regarding the refund.  CNAC has previously attempted to contact both Joel and Ashley, however, they have not responded.  CNAC would like to apologize for any inconvenience, and looks forward to assisting them.
Thanks,
J.D. Byrider/CNAC Customer Service

In
the case of [redacted], we have investigated this matter with the full
cooperation of the company-owned CNAC in question.  Mr. [redacted] alleges that the company-owned CNAC
mistakenly cancelled one of his...

payments. 
As a result, he would like for the payment date to be pushed back to
August 8, 2014. 
Mr.
[redacted] purchased a 2007 Chevrolet Uplander on May 29, 2014 from the company-owned
J.D. Byrider located in Columbus, OH.  Since
filing the complaint, the company-owned CNAC and Mr. [redacted] have come to an
agreeable resolution.  Mr. [redacted]’s contract
has been rewritten as of July 14, 2014 and his account has been credited for
any payments that were previously applied. 
The company-owned 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 hope to move forward amicably in their relationship with him.
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.  Ms. [redacted] is upset regarding her previous account.  As a result, she isrequesting an update on the status of the overage...

due to her.Ms. [redacted] purchased a 2005 Chevrolet Aveo on October 15, 2011 from thecompany-owned J.D. Byrider located in Dayton, OH.  Records indicate that Ms. [redacted]’s checkhas been processed to her last known address on file.  Ms. [redacted] should be receiving the check soon,if she has not already.  The company-owned CNAC would like to apologize to Ms. [redacted] for anyinconvenience that she 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 Ms. [redacted]’s dissatisfaction as expressed in her complaint to your office.  The company-owned J.D. Byrider/CNACappreciates Ms. [redacted]’s patience, and wishes her all of the best in her future endeavors.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. [redacted] purchased a...

2005 Hyundai Elantra on August 23, 2014 from the company-owned J.D. Byrider located in Boardman, OH.  [redacted] is listed as the co-buyer on the account.  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.  Please understand that it is the goal of CNAC to help customers successfully maintain their account through consistent, on-time payments.  The company-owned CNAC abides by all state and federal regulations, and denies any wrongdoing in their collection practices.  Per management, the account has been noted and no further contact will be made before 8pm.  To help avoid any further delinquency, CNAC is requesting that Mr. [redacted] contact them anytime a payment will not be made on time and provide adequate arrangements for payment.  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.  If Mr. [redacted] would like to discuss changing his due dates, it is recommended that he contact CNAC management directly at 330-758-4517.  CNAC would like to apologize to Mr. [redacted] for any inconvenience that he may have experienced, and hopes to move forward amicably in their relationship with him.Thanks,J.D. Byrider/CNAC Customer Service

We did not request the customer come into a police station, the request was made for her to come into the JDbyrider location. The customer has made payment arrangements since which we have accepted.

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.Per
management, no calls have been placed before 8pm since July 17, 2015.  In that time frame, a total of two calls were
placed after 8pm.  Mr. [redacted] account
states that he lives in Girard, OH with an area code of [redacted].  Both of these would be in the Eastern time
zone and CNAC representatives do not get into the office until after 8am
EST.  Account notes indicate that Mr.
[redacted] made his last payment on June 24, 2015. 
Since that time, the vehicle has been repossessed and subsequently sold
at auction.  CNAC has attempted to make
arrangements with Mr. [redacted], however, he refuses to cooperate.  At this time, it is recommended that Mr. [redacted]
contact CNAC management directly at 330-758-4517 to discuss his options
regarding his account.
Thanks,
J.D. Byrider/CNAC Customer Service

In the case of [redacted] we have reviewed this matter with the full cooperation of the J.D. Byrider/CNAC franchise in question.  Mr. [redacted] is requesting to have his due dates changed.  Mr. [redacted] purchased a 2004 Buick LeSabre on July 9, 2014 from the J.D. Byrider franchise...

located in Opelika, AL.  In order for Mr. [redacted]’s due dates to be changed, he will need to submit his most recent paystubs to CNAC.  Once received and verified, CNAC will update Mr. [redacted]’s account accordingly.  The CNAC franchise 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 J.D. Byrider/CNAC franchise was sorry to learn of Mr. [redacted]’s dissatisfaction as expressed in his complaint to your office.  At this time, it is recommended that Mr. [redacted] contact his CNAC representative directly at 334-749-6555 to discuss his account.  The J.D. Byrider/CNAC franchise 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

In the case of [redacted], we have reviewed this matter with the full cooperation of the company-owned [redacted]/CNAC in question.  Ms. [redacted] was upset regarding her account.  Please note that since filing the...

complaint, this matter has been resolved to her satisfaction.  Ms. [redacted] purchased a 2008 Ford Taurus on October 17, 2015 from the company-owned [redacted] located in Lafayette, IN.  Account notes indicate that CNAC and Ms. [redacted] have been in contact.   Per management, she is in the process of submitting paperwork to modify her due dates.  Once the paperwork is signed and returned, CNAC will move forward with her request.  CNAC would like toapologizeto Ms. [redacted] for any inconvenience that she may have experienced, and hopes to move forward amicably in their relationship with her.
Thanks,
[redacted]/CNAC Customer Service