CNAC / JD Byrider Complaint - Not Only Do They Sell You A Crap Car You Get A Pile Of BS With It!
GREEN BAY, WISCONSIN -- In 2006 I bought car from them. At the signing of contract I was told a few stories on how they will report to the 3 credit places/after I make my payments for up to a year without missing one they can get me into a better loan at better rate. Also no hidden cost! WOW! did I get taken! After paying on my car for almost 2 yrs and wondering why my credit score wasn't getting any better I got one of those company's to watch my credit report to see if positive as well as negative was reported on it... and of course if my score went up or down. Credit Keeper is what it was called. So again I waited to see if any changes were made after making countless payments with an exploded % rate of 26%. After not seeing anything I called and asked the gentlemen in charge of the Milwaukee, WI CNAC store to explain to me why this was not being done. He told me that they were reporting to the credit places and I am in good standings. When I asked him to please show me that they did this each month after I had made the bi-monthly payments by sending me a copy of the report that they send to the places he became very upset with me and stated they do not have time to do this that it is in fact a waist of time.
After going around and around with Mr. Hill I finally told him that I refuse to make anymore payments to CNAC/JD Byrider for the car but will put them in escrow account to show in good faith that I was making payments. Mr. Hill again became very upset and called me and I quote "AN IDIOT!" He then hung up on me. I called back and ask to speak to different manager. I got another one and told him the story he told me he would take care of it and get back to me on the results. 2 wks go by and did not hear one thing! I then wrote email to company president/owner and I finally thought I was getting some where.
He told me that he would look into the way Mr. Hill treated me and the issues involving the reporting to the credit places. 2 more wks go by and I got a computer run off from CNAC showing that they did report to the 3 places but only once that month I complained after that they never reported again and he never got back to me on how Mr. Hill had treated me.
So after going through the BS one to many times and getting treated like crap and not seeing my credit score go anywhere and not being able to refinance my loan like they had promised I had no other choice but to get out from under the crap that was dumped upon me! So in June of 08 I filed chapter 7 against CNAC for the car. During the chapter 7 no creditors are to contact you.............well good all CNAC contacted me many times and asked me when I was going to make payments. A women named Mrs. Weber who claimed to me the head of the legal department at CNAC would call me and tell me that I had to re-affirm or turn the car over! I told her to not contact me and if she had anything to say about the matter he could show up in court and speak with me and the trustee who was handling the Cht7 and then we would discuss a re-affirm for the car.
She or nobody from CNAC showed up for the this instead the trustee asked me to send him the a copy of the title of the car and he would handle it. Since then I have moved out of stated and changed address and let them know my new address. So 2 months after cpt 7 was discharged I got a call from my mother who stated someone was trying to service me payers for a court date. So I got number from mother and called the guy and he told me that seeing that I live in another stated there was no way he could service me these papers and that he would inform CNAC that I do not live in state and the new address again. I then called CNAC again and told them that the car was back in WI and was waiting to come and pick it up. Then asked to speak to Mrs. Weber to asked why I was being sued and for what? She was very nasty to me and told me and I quote" Just because you file cpt 7 doesn't mean you get a free car" told her there is no reason to treat me this way she then told me " she can treat me anyway she wanted to and that I should have gotten a lawyer to do my cpt 7"
To top it all off I was just back in WI for Christmas and the car was still there. I then found out that CNAC and the company that was used to representative the car were calling and treating my family. Told them that if they saw me in the car they would rip me out of it and take it right there. My family told them that the car was there the whole time come get it. After I heard this I then called CNAC another time and spoke to none other then Mr. Hill. Asked him why his company did not pick the car up yet. Why his company and the people they hired to representative the car are calling and threating and harassing my family..........of course he knew nothing about it.
He then told me I was to appear in court on the 15th of Dec and didn't and now a judgment has been placed on me for court cost. How was I to show up for something I knew nothing about. Then told him to PLEASE come get the car and leave my family out of it! That nite at around 9 to 10 pm truck backed into the drive and took the car. I then left the next day back to where I live now. Much to my surprise I got a letter from the clerk of courts in WI stating a judgment was given to me because I did not show up........WOW! How can this be? Never got any papers nor did I know about this. Now after having such a lovely X-mas thanks to JD Byrider/CNAC and 2 days after the car was picked up from my mothers place...........a guy stating he was from CNAC and the representative company called and harassed my mother over the phone and asked where is the car and to return it to CNAC or they would take action in court. What a &$%$ up mess and never have I felt so negative on Christmas till now! So Please do not do biz with these crooks! Thanks for your time!