SOLE Financial

In the case of *** *** ***, we have reviewed this matter with the full cooperation of the J.DByrider/CNAC franchise in question. Mrs*** *** was upset regarding her account. Since filing the complaint, this matter has been addressed. Mrs***
*** purchased a *** Dodge Grand Caravan on November 24, from the J.DByrider franchise located in Greenville, SC. Management has been in contact with her and she was advised that the title should be at the dealership on April 21, 2017. CNAC would like to Mrs*** *** for any inconvenience. J.DByrider strives to achieve the satisfaction of every customer. The J.DByrider/CNAC franchise was sorry to learn of Mrs*** ***’s dissatisfaction as expressed in her complaint to your office. Once the title is received, CNAC will contact her to confirm the address where she would like it sent Thanks,J.DByrider/CNAC Customer Service

Please find attached the requested documentation.Thanks,J.DByrider 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.  Ms. [redacted] was upset regarding her vehicle.  Please note that since filing the complaint, this matter has been resolved to the satisfaction of Ms. [redacted]....

Ms. [redacted] purchased a 2006 Kia Optima on April 25, 2016 from the J.D. Byrider franchise located in [redacted], SC.  The vehicle is covered by a 24 month or 24,000 mile service agreement which mainly covers the major components of the power train. While the J.D. Byrider franchise understands that dealing with any mechanical issue can be frustrating, a used automobile, like any mechanical device that is subject to wear and tear, will require regular maintenance and repairs in order to ensure its continued use.  Account notes indicate that Ms. [redacted]’s transmission was repaired under the service agreement, and that the vehicle was returned to her on May 24, 2016.  As a gesture of goodwill, the service center waived the $25 deductible.  J.D. Byrider strives to achieve the satisfaction of each and every customer.  The J.D. Byrider/CNAC franchise was sorry to learn of Ms. [redacted]’s dissatisfaction as expressed in her complaint to your office.  The J.D. Byrider/CNAC franchise 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

How do I send the screenshots of the messages that were sent between me and the associate who threatened to repo my vehicle because of me reporting to you all. Can I attach those messages? As far as my paperwork I can send that also.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. 
Regards,
[redacted] I WAS TOLD ALL THE TIME THAT I HAD THE CAR THAT I HAD INSURANCE ON IT I HAVE ALL THE TEXT ABOUT MY  DL THEY NEVER TOLD ME THAT I HAD NO INSURANCE I WOULD NOT HAVE BEEN DRIVING THE CAR I KNEW  THAT THEN MY PAYMENTS OR  UP TO DATE AND THE ARE  TRYING TO REPO MY CAR  AND I DO HAVE MY INSURANCE THAT THEY TOLD ME THAT I HAD WHEN I GOT THE CAR . I WANT THIS SENT TO THE DMV BEAUSE STILL DID NOT GET MY TAG EVEN IF THEY SAY I DID NOT HAVE INSURANCE  ITS 45 DAYS IN SC NO MATTER WHAAT  I WILL STILL SEND THE DMV A LETTER ABOUT THIS MATTER AT HAND.

At this time, it is recommended that [redacted] contact management at [redacted] to discuss her options regarding a refund.  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 find that this resolution is satisfactory to me.  Regards, [redacted]

At this time, the position of the J.D. Byrider/CNAC franchise has not changed.Thanks,J.D. Byrider/CNAC Customer Service

Revdex.com:
Once again they are taking actions and did not let me know anything. They are putting it as repossesion when I turned the car in to them volunterally. No type of letter or right to cure letter was sent to me at all. They verbally made agreements to me that were not written on paper. They had me bring money to keep my vehicle and now are putting it as a repo when it was not a repo it was volunterraly taken to them by me. This company is full of it 
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. 
[To assist us in bringing this matter to a close, Please let us know below why you are rejecting the offer made by the business.]
Regards,
M[redacted] W[redacted]

Please find attached the requested documents.Thanks,J.D. Byrider/CNAC Customer Service

In the case of M[redacted] W[redacted], we have reviewed this matter with the full cooperation of the J.D. Byrider/CNAC franchise in question.  Mr. W[redacted] is upset regarding his vehicle.  As a result, he is requesting that his account be credited.  Mr. W[redacted] purchased a 2006 Buick Lucerne on...

March 9, 2017 from the J.D. Byrider franchise located in [redacted], SC.  The vehicle is covered by a 24 month or 24,000 mile service agreement which mainly covers the major components of the power train. While the J.D. Byrider franchise understands that dealing with any mechanical issue can be frustrating, a used automobile, like any mechanical device that is subject to wear and tear, will require regular maintenance and repairs to ensure its continued use.  Please understand that Mr. W[redacted] took it upon himself to address the mechanical concerns mentioned in his complaint.  The [redacted] service center was not made aware of these issues until after he attempted to have them repaired at a third-party repair shop.  In a show of goodwill, the service center wentabove and beyond in the servicing of Mr. W[redacted]’s vehicle.   J.D. Byrider strives to achieve the satisfaction of every customer.  The J.D. Byrider/CNACfranchise was sorry to learn of Mr. W[redacted]’s dissatisfaction as expressed in his complaint to your office. Nevertheless, they are unable to adhere to his requested resolution.  Since filing the complaint, Mr. W[redacted] has retrieved his vehicle from the service center and come to an agreement with CNAC.  The J.D. Byrider/CNAC franchise willcontinuetoaccommodate Mr. W[redacted] to the best of their abilities, and hopes tomoveforwardamicably 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 J.D. Byrider/CNAC franchise in question.  [redacted] is upset regarding her previous account.  As a result, she is requesting a refund. [redacted] purchased a 2004 [redacted] on September 3, 2016 from...

the J.D. Byrider franchise located in [redacted]  Prior to purchase, she went through a closing procedure where the contract was reviewed.  During this time, the purchase price and financing terms were explained to her.  Once she stated that she understood the agreement, she then signed her name to the contract.  Please note that the sales process is designed to assist customers in fully understanding their contractual obligations, and that [redacted] had several opportunities to ask questions or have the contract explained in further detail.  [redacted] denies misleading or pressuring [redacted] in any way regarding her purchase.  J.D. Byrider strives to achieve the satisfaction of each and every customer.  The J.D. Byrider/CNAC franchise was sorry to learn of [redacted] dissatisfaction as expressed in her complaint to your office.  Nevertheless, CNAC is unable to adhere to her requested resolution.  The J.D. Byrider/CNAC franchise wishes [redacted] all of the best in her future endeavors.Thanks,J.D. Byrider/CNAC Customer Service

Their response is not what I asked for. They are passing the buck off and making excuses for a business that is under poor operation and they refuse to take responsibility for their actions. “Regular maintenance” as they stated is not 13 times in one year. “Regular maintenance” is maybe 3 times a year. Also, I waited three months for them to find a part to fix my air conditioning and they told me they had one and never followed up with me regarding that scenario so I still don’t have a working air conditioner in my car. Also, they tried to make me pay $700 for a part to fix on my car that wasn’t even broken. ALSO, they told me in our most recent encounter that my serpentine belt was the problem. (You know, the part where they let me drive it off the lot thinking it was fixed and it wasn’t.) well, I took it to another shop because I don’t trust them farther than I could throw them. The new shop told me that it wasn’t at all the serpentine belt, and instead an entirely different issue. So again, JD Byrider trying to make me pay for repairs that aren’t even needed. That’s why I want them shut down. They cannot be trusted and are lying, thieving, manipulators.

In the case of [redacted], we have reviewed this matter with the full cooperation of the J.D. Byrider/[redacted] franchise in question.  Ms. [redacted] was upset regarding her account/vehicle.  Please note that since filing the complaint, this matter has been addressed.  Ms. [redacted] purchased a...

2005 Lincoln LS on July 15, 2016 from the J.D. Byrider franchise located in [redacted], SC.  The vehicle has been returned to the dealership and the service center is making the repairs a priority.  Given the circumstances, [redacted] will be working with Ms. [redacted] to assist her with her payments.  The J.D. Byrider/[redacted] franchise would like to apologize to Ms. [redacted] for any inconvenience that she may have experienced.J.D. Byrider strives to achieve the satisfaction of each and every customer.  The J.D. Byrider/[redacted] franchise was sorry to learn of Ms. [redacted]’ dissatisfaction as expressed in her complaint to your office.  The J.D. Byrider/[redacted] franchise 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/[redacted] 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. 
Ms. [redacted] was upset regarding her account. Please note that since filing the complaint,
this matter has been addressed. 
Ms.
[redacted] purchased a 2009 Kia...

Optima on February 11, 2015 from the J.D. Byrider
franchise located in [redacted], SC.  Account
notes indicate that Ms. [redacted] contacted the CNAC franchise on May 30, 2015 stating
that she would make the payment in question on June 3, 2015.  Seeing as this is her first contractual
payment, the CNAC franchise would like to remind Ms. [redacted] of the importance of
adhering to her agreed upon payment schedule. 
J.D.
Byrider strives to achieve the satisfaction of each and every customer.  The J.D. Byrider/CNAC franchise was sorry to
learn of Ms. [redacted]’s dissatisfaction as expressed in her complaint to your
office.  The J.D. Byrider/CNAC franchise
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 of [redacted], we have reviewed this matter with the full cooperation of the J.D. Byrider/CNAC franchise in question.  Ms. [redacted] is upset regarding her account. Ms. [redacted] purchased a 2008 Pontiac G6 on April 21, 2016 from the J.D. Byrider franchise located in Greenville,...

SC.  On May 21, 2016 CNAC contacted Ms. [redacted] regarding her payment.  During the conversation Ms. [redacted] indicated that she no longer wished to maintain possession, and requested that the vehicle be picked up.  The vehicle was subsequently repossessed and returned to the dealership.  Ms. [redacted] then stated that she needed to retrieve some personal belongings from the vehicle.  Account notes indicate that it was her mother who came to the dealership.  Seeing as her mother was not on the loan, CNAC did not release the belongings. J.D. Byrider strives to achieve the satisfaction of each and every customer.  The J.D. Byrider/CNAC franchise was sorry to learn of Ms. [redacted]’s dissatisfaction as expressed in her complaint to your office.  At this time, it is recommended that Ms. [redacted] visit the dealership at her earliest convenience in order to retrieve the personal belongings.  Thanks,J.D. Byrider/CNAC Customer Service

To whom it may concern,
 
The entailed response concerns complaint ID [redacted], which we, SOLE Financial, received via mail yesterday, Tuesday, December 20, 2016.
Upon receiving the complaint, we immediately called the customer who filed the complaint, [redacted], to acknowledge her...

frustration and work toward a resolution of the concerns she outlined in her complaint. As a courtesy, we refunded her the $3 fee she was charged on December 12, 2016. Upon review, the $3 charge in question was merited, as the customer’s question is candidly addressed in the FAQ section of our website (https://www.solepaycard.com/company/faqs). The customer asked if they could use their card with a new employer. We charge a $3 fee when customers call us for information they’re able to obtain from our website. We disclose this fee in our terms and conditions (which we publish on our website and provide to each cardholder upon enrollment), as well as in our automated IVR system, prior to connecting each customer’s call to our representatives.
 
During the follow-up call to our customer, we apologized that their expectations hadn’t been met, to which they were receptive and, I believe, satisfied.
 
Evan H[redacted]
Director of Customer Experience
 
503.444.5363  Direct
503.924.2421  Fax

In the case of T[redacted] W[redacted], we have reviewed this matter with the full cooperation of the J.D. Byrider/CNAC franchise in question.  Ms. W[redacted] is upset regarding her account.  As a result, she is requesting better customer service.  Ms. W[redacted] purchased a 2007 Honda Accord on...

June 17, 2016 from the J.D. Byrider franchise located in [redacted], SC.  Since filing the complaint, the CNAC employees in question have been reprimanded and retrained regarding account administration.   J.D. Byrider strives to achieve the satisfaction of every customer.  The J.D. Byrider/CNAC franchise was sorry to learn of Ms. W[redacted]s’ dissatisfaction as expressed in her complaint to your office.  The J.D. Byrider/CNAC franchise would like toapologize to Ms. W[redacted] for any inconvenience, and hopes to move forward amicably in their relationship with her.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 does not resolve my complaint. 
[To assist us in bringing this matter to a close, Please let us know below why you are rejecting the offer made by the business.]
Regards,
A[redacted] G[redacted]

In the case of A[redacted] G[redacted], we have reviewed this matter with the full cooperation of the J.D. Byrider/CNAC franchise in question.  Ms. G[redacted] is upset regarding her vehicle.  As a result, she is requesting to return the vehicle and have her contractcancelled. Ms. G[redacted]...

purchased a 2007 Suzuki Forenza on November 25, 2016 from the J.D. Byrider franchise located in Greenville, SC.  The vehicle is covered by a 24 month or 24,000 mile serviceagreement which mainly covers the major components of the power train. While the J.D. Byrider franchise understands that dealing with any mechanical issue can be frustrating, a used automobile, like any mechanical device that is subject to wear and tear, will require regular maintenance and repairs to ensure its continued use. Please understand that the dealership has gone above and beyond in the servicing of hervehicle. J.D. Byrider strives to achieve the satisfaction of every customer.  The J.D. Byrider/CNAC franchise was sorry to learn of Ms. G[redacted]’s dissatisfaction as expressed in her complaint to your office.  Nevertheless, they are unable to adhere to her requested resolution.  The J.D. Byrider/CNAC franchise willcontinue to accommodate Ms. G[redacted] to the best of their abilities, and hopes to move forward amicably in their relationship withher.Thanks,J.D. Byrider/CNAC Customer Service