• Report: #128761

Complaint Review: J. D. Byrider - CNAC

  • Submitted: Mon, January 24, 2005
  • Updated: Sat, March 26, 2005

  • Reported By:Springville Indiana
J. D. Byrider - CNAC
2425 West Thitd Street Bloomington, Indiana U.S.A.

J. D. Byrider - CNAC The truth about doing business with them RIPOFF Bloomington Indiana

*Consumer Comment: JD Byrider

*Consumer Suggestion: Michael Patrick Don't tell me that you asked for this! ..court to order reimbursement for consumers, injunctive relief against future violations, civil penalties, and costs and attorney fees for the state.

*REBUTTAL Individual responds: The Ohio Attorney General Regulatory Review!!

*Consumer Suggestion: Attorney General Jim Petro Resolves More Than 300 Consumer Complaints In Settlement With JD Byrider more than 20 of its locations throughout Ohio

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Following a bankruptcy and getting my financial situation back under control, I was in need of a specific vehicle to replace one I had to voluntarily surrender in the process. Out of three such dealers I contacted that offered "credit re-establishment" programs, J. D. Byrider was the first to come up with a suitable vehicle. Note that they had their buyer find the vehicle I wanted, did a damned nice job of making sure it was mechanically sound and nicely detailed, and involved themselves in lengthy negotiations with me to work out a deal that was not necessarily a bargain, but was satisfactory considering the reality of my credit situation.

The bad parts: I had to front considerable cash for a downpayment (to the tune of $1,600.00); The "included warranty" they bragged so much about was included after adding $1,200.00 to the sale price of the vehicle; When I traded in another vehicle I might as well have just given it away, because the sale price of the vehicle I purchased appeared to be jacked up by that amount; and, with interest added in, I could buy three like vehicles on the cash market with what I will eventually pay over the life of the sales contract.

The good parts: Not knowing me from "Adam," these people humped for me. They went out and acquired a very nice, low mileage 1995 Ford F-250 XLT pickup truck, specifically on my request as this particular store doesn't customarily deal in heavier GVW vehicles. They crunched the numbers such that the payments fell into the area I could easily afford, and gave me 30 days after delivery to come up with a $1,000.00 balance owing on the cash down payment. They immediately addressed several minor issues I had with the condition of the vehicle at time of delivery. A month after delivery, the radiator tanks leaked from separation from the core, and this was immediately repaired at my convenience and at no cost to me.

In summation from a financial standpoint, it's probably the worst deal I ever made and hopefully the last of such; but, I was fully informed before I made my decision to buy. Circumstances what they are, I'm okay with it. Regarding every other aspect of this deal, I couldn't be happier, and I've enjoyed stopping by every two weeks for the past year and making my payments. All of the staff at JDB, CNAC, and their service department are fine people who have been nothing other than courteous, respectful, and up front with me in every way, and have done a fine job of making this experience as pleasant as possible, as well as provided me with a fine vehicle I have every confidence in.

I doubt I will ever do any more business with them after this deal is in the history books, but I can live with it until then. My suggestions, be informed, be very careful regarding the vehicle you select, and uphold your end of the agreement.

Springville, Indiana

This report was posted on Ripoff Report on 01/24/2005 10:34 PM and is a permanent record located here: http://www.ripoffreport.com/r/J-D-Byrider-CNAC/Bloomington-Indiana-47404/J-D-Byrider-CNAC-The-truth-about-doing-business-with-them-RIPOFF-Bloomington-Indiana-128761. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

JD Byrider

AUTHOR: Charles - ()

 It seems that JD Byrider has not learned their lesson from Mr.Petro in the 2005 case against them.They are back to their old tricks again. Hit in the pocket a little harder the next time just might do the trick. These people are calling my friends on their jobs and they are pretty much feed up with this. Something has got to be done about JD Byrider, soon. The Attorney General has got to stop these people from their unlawful acts.

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I met up with a few of your dealers in vegas. They told me all kinds of info.

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The suit was filed Friday morning in Polk County District Court. It asks the court to order reimbursement for consumers, injunctive relief against future violations, civil penalties, and costs and attorney fees for the state.

The suit alleges that the defendants violated the Iowa Consumer Fraud Act and the Iowa Consumer Credit Code in their advertisement and sales of used vehicles, in their extension of credit regarding the vehicles, and in their debt collection practices.

The suit alleges that Dan Nelson Automotive Group hides or fails to disclose vehicle prices, going so far as to require detailed financial information and a credit check from consumers before revealing the price.

It alleges that the defendants unfairly restrict consumer choice by telling consumers which few vehicles they may purchase, keeping consumers on dealership premises for hours on end and, in some instances, steering consumers into high-interest loans with terms less beneficial than those for which consumers would actually qualify.

It alleges that vehicles often break down after purchase and that the dealership sometimes fails to fully honor its warranty. It alleges the dealership may also subject consumers to unlawful debt collection tactics by calling their references and disclosing their debts, or suing them in counties other than where they live, which is illegal.

The suit also alleges that the defendants violated the Consumer Fraud Act by advertising sales based on "lease elimination" and "rental car company" bankruptcies, claims the lawsuit alleges are simply untrue.

The suit also alleges the defendants misled banks and credit bureaus regarding the true payment histories of their customers.
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#3 REBUTTAL Individual responds

The Ohio Attorney General Regulatory Review!!

AUTHOR: Michael - (U.S.A.)

Stick - though you are in Arizona, we appreciate your interest in our Ohio locations.

In 2002, I contacted the Ohio Attorney General's staff and I drove to Columbus Ohio to meet with their staff attorneys and case workers. We had introduced ourselves previously and I knew most of the people involved there.

As we had so many stores in Ohio and the business model had become the nation's largest used car franchising operation, we felt it was important to secure our future by making sure everything we did was in compliance with state law.

The process was voluntary, we were not sued and there was not a class action case, it was not a private lawsuit. The regulatory review was voluntary and J.D. Byrider instigated the procedure.

We had sold over 84,000 cars in the state of Ohio prior to 2002 and the total number of the Ohio complaints was less than one half of one percent of the Ohio business we had conducted.

We've appreciated the manner in which the Attorney General's office has conducted the inquiry. They were willing to listen to our position and learn about our business while conducting their inquiry in a professional manner.

This was a great opportunity for us to learn the perspectives of Attorney General Petro in terms of how their office approaches regulation and enforcement. It was a valuable learning process for our company and franchisees and at the same time, we were able to communicate our business model, our values, and our service to the community, eventually reaching a mutual understanding.

J.D. Byrider's business model is strong and successful because of the company's values. We are not perfect, but we strive to be, and we strive to do the best we can in any customer service case!

Michael Patrick
JD Byrider Customer Service
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#4 Consumer Suggestion

Attorney General Jim Petro Resolves More Than 300 Consumer Complaints In Settlement With JD Byrider more than 20 of its locations throughout Ohio

AUTHOR: Stick - (U.S.A.)


Attorney General Jim Petro Resolves More Than 300 Consumer Complaints In Settlement With JD Byrider
February 9, 2005

COLUMBUS - Attorney General Jim Petro today agreed to a settlement with JD Byrider and more than 20 of its locations throughout Ohio. The settlement is the result of an investigation addressing the company's sales of used motor vehicles to low-income customers or consumers who ordinarily might not qualify for prime-market financing.

The investigation was prompted by more than 300 complaints received by the Attorney General's Consumer Protection Section.

In order to make informed decisions, consumers must be given the details of their transaction, said Petro. Any company failing to provide information or misleading consumers about automobile deals must reevaluate their business practices to ensure that they are complying with Ohio law.

As part of this settlement, JD Byrider agreed to make more than 20 remedial changes to its business practices in order to operate within compliance of Ohio laws.

Some of the changes include: establishing a price for a vehicle before offering it to the public, informing the consumer the price up front, clearly and conspicuously disclosing terms of warranties, and adhering to advertised specials. In addition, the business also agreed to change much of its collection practices.

JD Byrider founder and chairman James DeVoe Sr. stated, We've appreciated the manner in which the Attorney General's Office has conducted the investigation. They were willing to listen to our position and learn about our business, while conducting their investigation in a professional manner.

Throughout the investigation and the settlement process, JD Byrider, in cooperation with the Attorney General's Office, worked to settle and resolve all outstanding complaints resulting in the payment of more than $100,000 to consumers.

Additionally, JD Byrider agreed to review any future consumer complaints received by the Consumer Protection Section. Terms of the settlement require JD Byrider to pay both a civil penalty in the amount of $300,000 and costs in pursuing the investigation, resulting in the payment of an additional $250,000.

Consumers can file a complaint online at www.ag.state.oh.us or by calling Attorney General Petro's Consumer Protection Section at 1-800-282-0515.
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