• Report: #904900

Complaint Review: JD BYRIDER/CNAC

  • Submitted: Fri, June 29, 2012
  • Updated: Thu, August 02, 2012

  • Reported By: ChiGirl86 — Illinois United States of America
ELM GROVE, Wisconsin United States of America


*Consumer Comment: angrycustomer22

*Consumer Comment: Trying to justify ripping people off

*Author of original report: continued..

*Consumer Suggestion: How Much Did You Pay Down??

*Consumer Comment: Again with the grammar

*Consumer Comment: A little education for ChiGirl86

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I purchased a 2003 Chevy Impala vehicle from JD Byrider in 2009 with 90,000 miles on it because I desperately needed transportation to work. Payed all payments on time for 3 years straight. All cars through JD are all priced at over $10,000. Even if its a 1997. Its how they make there profit by selling old cars at new prices. The car I had I spent thousands of dollars extra on to maintenance the vehicle for things that broke on the car. My issue is that on my last year of paying the vehicle off I moved out of town and was late making a payment. When I called them to make my payment I was treated terribly. Very rude and disrespectful as if I didn't pay 3 years straight ON TIME. At the end of the day we are all human and everyone in this world has been behind on 1 bill before. That bothered me because they didn't have the decency to show me some respect after paying on time for 3 years straight. I was questioned why I was late as if I were a 5 year old and even told " Nobody told you to get a car from us!" My last few months left on my car note they began to find little reasons to bother me like sending them insurance they never asked for for 4 years because it wasn't required by the state and other little nagging things. I cleaned up my credit and went to the Ford Dealership and got me a 2012 and traded in my car from JD Byrider only to find I payed $16,000 for a car worth $2500. The Ford Dealership commended me for paying that much on a car not worth anything. Now that the car is traded in and they are receiving there pay off check they called the new dealership harrassing them asking did my new car loan yo through, was I making the same amount of money, they need to speak to the bank that.approved my new loan..... Crazy things. I am done doing business with them and there still harrassing me. I have so much disguist and hate in my heart for this company. They prey on ppl that are in bad situation and charge them thousands for old cars that are not worth it and are rude, mean, and disrespectful. I would advise anyone to find other options before going through them because they have no care for there customers.

This report was posted on Ripoff Report on 06/29/2012 11:19 PM and is a permanent record located here: http://www.ripoffreport.com/reports/jd-byridercnac/elm-grove-wisconsin-32792/jd-byridercnac-please-please-please-try-all-options-before-jd-byrider-elm-grove-wiscons-904900. 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


AUTHOR: coast - (USA)

"I refinanced my car from J.D by rider... I owed them nothing else"

You refinanced the car so how is it possible that you didn't owe them only two weeks later? Did you pay the full balance on the car during that two-week period?

"Nobody 'deserves' to pay double what a car is worth as their repayment for screwing up their credit or not having credit."

OK then, don't buy the car. Were you forced into the transaction?

"A person like that is a prime example of why this world is the way it is today."

What's wrong with the world?

"I fell for it because I had no credit... you do not DESERVE to be swindled just because you have bad credit"

You appear to be confused as to whether you have no credit or bad credit. If you have never purchased a good or service with time payments, then you have no credit. If you have defaulted or had several late payments on a financial agreement then you have poor credit and therefore you are a credit risk.

I am not disputing the dirtbag reputation of J.D. Byrider. You have expressed dissatisfaction of your business arrangement with them. You agreed to the terms and now you are suffering from a case of buyer's remorse.
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#2 Consumer Comment

Trying to justify ripping people off

AUTHOR: angrycustomer22 - (United States of America)

I have been there before. I refinanced my car from J.D byrider CNAC and after I refinanced my car they took a payment out (2 weeks later) from an old check number I used while making my payments. I owed them nothing else and I have 2 pay off letters (the first one the scammers forgot to sign the check my bank wrote them lol and the second is the final check they're getting if they screw it up again they have to wait 7-10 days.)
Even when you get away you can't get away because they are so money hungry. I don't any other business like it. It's isn't really a business at all. Nobody 'deserves' to pay double what a car is worth as their repayment for screwing up their credit or not having credit. I cannot believe someone would even have the audacity to suggest such a thing. A person like that is a prime example of why this world is the way it is today.
We are a military family and we didn't deserve what they did. Knowing my husband was serving in Afghanistan and I was looking for a car and stupidly went there because my sister in law knew the manager (who is no longer working there..hmm)and of course they do that $300 referral fee lol I mean what other non slimy company do you know that has a referral fee to lead people into a trap.
Granted being young and naive I shouldn't have been out car shopping. I was the perfect victim. I fell for it because I had no credit. I was with them for 6 months and with the interest rate they were charging I only paid THREE HUNDRED AND SIXTY EIGHT DOLLARS on the car in 6 months!!! The rest was all interest!! That's sick! I know I shouldn't have bought a 2005 Chrysler Sebring for 18,000 (after interest) but as I said I was new to the game.
Now I am supposed to be getting a refund tomorrow for what they owe me. Wish me luck. And don't buy from them people!!! No matter what anyone says you do not DESERVE to be swindled just because you have bad credit. Fix up your credit report first before you buy a car, don't go to one of these junk depots and expect to be happy.
It may be legal but it's morally wrong in every way. But that's selling your soul to the devil to make money and JD byrider is going straight to hell when he dies along with his minions.
You may not have perfect credit but that doesn't make you less of a human being, it makes you a target for JD byriders.
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#3 Author of original report


AUTHOR: ChiGirl86 - (United States of America)

This website is to share your story with others to either prevent them or enlighten them on your situation. This is not intended to be a resume, spelling bee, or a jounalist essay. My credit was never "screwed" up to begin with. My lack of credit from being young was the issue for me. As a young female with no knowledge of cars or what to expect from a vehicle at a certain level of mileage was something I was unaware of. Luckily, you live and learn from experiences and it taught me to be more careful about the price, quality, and mileage of a new car. At the end of the day it's about business and ultimately J.D Byrider is not a company I personally will ever do business with again. That is not only because of the quality of the vehicle's and price, but most importantly there poor customer service. Like I said no one deserves to be talked to rudely or disrespectfully. And plain and simple that's what they are. I didn't know the J.D Byrider police were on here. Lol, Smh... (Oh, that's laugh out loud, shaking my head.)
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#4 Consumer Suggestion

How Much Did You Pay Down??

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

For the price of your down payment you probably could have bought and paid for an Impala from a private owner. You would have then owned it free and clear. You would also have had an opportunity to speak to the owner and look at service records.

Obviously if you had to finance a down payment through Byrider this would not apply but many people who use these sub prime dealerships pay a down payment that is roughtly what the car is worth. Hopefully your credit is now fine but you just made another mistake by buying a new car that will depreciate probably 40% in the next two years. It would have been brighter to get something a year or two old that was Ford Certified and let the original owner eat the depreciation.

I've bought my last new car. It is a waste of money.
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#5 Consumer Comment

Again with the grammar

AUTHOR: The Outlaw Josey Wales - (United States of America)

 Don't make a grammar mistake, Team Rebuut will get you everytime. Autos and bank they are expert in
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#6 Consumer Comment

A little education for ChiGirl86

AUTHOR: coast - (USA)

You should expect a vehicle with 90,000 miles on it to require expensive maintenance. Consider the high price you paid for the Impala as part of your penalty for screwing up your credit. Complaining about the purchase price after the purchase is known as buyer's remorse.

You may want to consider learning the difference between there, their and they're. That will benefit you when you write your next rsum.
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