Complaint Review: JD Byrider/CNAC - Saginaw Michigan
- JD Byrider/CNAC 6011 Bay Rd. Saginaw, Michigan United States
- Phone: 9894018899
- Category: Auto Dealers
JD Byrider/CNAC Sara, financial manager They repossessed my vehicle after no letter, no notice, no nothing and won't give me a redemption period when they had no right to take it in the first place. Saginaw Michigan
*Consumer Comment: Invalid Logic
*Consumer Comment: Subprime for Life?
*Author of original report: Completely disgusted
*Consumer Suggestion: Recommendation
*Consumer Comment: Exactly...
*Author of original report: No time to even bother with ignorance such as yours
*Consumer Comment: Another Sub-Prime borrower
*Author of original report: Sounds easy.....
*Consumer Comment: Simple Resolution
*Author of original report: You must work for a dealership
*Consumer Comment: Send money not excuses
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In October 2017 after sitting at JD Byrider for 8 hours and test driving 4 different cars I finally purchased a 2005 Pontiac G6 with only 57,000 original miles according to the dealer. Originally I had gone in to JDB two weeks prior because I was interested in purchasing a 2007 Aspen. The truck was beautiful but something about it didn't make sense. The first salesman I talked to about it, all of a sudden had left the company and anytime I asked what happened hours co-workers would change the subject. The day I bought the G6 I was dead set on buying the Aspen. The salesman I worked with that took the place of the one that left, we'll call him "J". J informed me that no matter what I bought I did NOT want to buy the Aspen. I was relentless and wanted to know why. After test driving 4 cars I still wanted the Aspen, so finally I got a bit of truth. The Aspen was a piece of garbage according to J. The engine had blown after several problems and it wasn't even the actual miles they were claiming that the vehicle had. The body, had over 300,000 miles on it but the new engine was what they were claiming on the records with around 140,000 miles. I felt uneasy. J showed me the G6 and I was instantly excited. Beautiful color, heated seats, and what they claimed to be only 57,000 original miles. I was sold. Eight hours later, myself and my two friends finally were ready to leave JDB. I say through several videos, signed the contract and was informed that I had purchased insurance as long as I paid the additional money with my biweekly payments I was covered with insurance and didn't need to worry. Finance informed me that the first payment due two weeks later was for the "promissory note", (JDB'S way of increasing your down payment on paper so your payments on the vehicle are more reasonable for those of us with not so great credit) however the actual "car payment" wouldn't start until December 25th. I honestly was so excited to have a great little car I really didn't care and was so exhausted after being there so day I probably could've been told they needed my left arm and I would've said ok. After two weeks I came into JDB and paid my first payment of $317. A lot of money for a 12year old car. But the way it was explained it was only the promissory note payments that were higher and in December they would drop. It also included the supposed insurance I was paying for. I had also explained to CNAC (JDB'S bank) that they had made my payments due too soon and that I didn't get paid till late night after they were closed so they needed to be changed. I was told I only needed to sign a form and she couldn't find it so I could do it when I made the next payment. The next payment was due on the 14th of November.
I am a CNA and my client had fallen that morning. She was extremely injured and I couldn't leave her side. I called CNAC to tell them what had happened and every time I called I spoke with Nicole. I also talked to Nicole again the 15th and 16th and informed her that I was at the hospital with my client and her family. Eventually my client was transferred to Ann Arbor and I was there every step of the way explaining to Nicole what was going on. There were a couple times I had told her I was going to try and make the payment however given the severity of the situation there was no way possible I could leave to come back to Saginaw or even leave to put money on my prepaid card. The family wasn't even able to pay me my full check because of the sudden emergency. I totally understood and assumed I'd double the payments on the 28th when the next one was due. On Wednesday November 22nd CNAC arrived at my house and took possession (repossessed) my vehicle. I never got a call, a letter, a warning, a threat, NOTHING. The last time I had spoken with Nicole from CNAC I told her I had planned on being home to take care of everything Monday. I guess next time instead of trying to let someone know you're doing everything you can tell them you don't care, is apparent no matter what I said they had already decided what they were going to do. There had been a series of things that just don't add up. First, when I purchased the car I signed the odometer statement that's submitted to the state when your plate is issued. There title for the car has no mileage reported at all. Why did I sign an odometer statement if they failed to report it? That makes me think I was lied to as well about the miles on the G6. Second, the day I bought my car JDB sold the Aspen to an older couple both retired and on disability. How unethical and horrible to take a person's money knowing you're selling them garbage. Also when I realized the car was gone I called Nicole. The answers they gave me as to why the vehicle was taken make absolutely no sense. I went up to the dealer to physically speak with Sara who is the financial manager. She takes me in an office to tell me she refuses to give back the car and she demands almost a thousand dollars to get it back. I was never given a redemption period. Sara tells me I have close of business day to get the money to her. It was already after 2 o'clock. That's less than 4 hours to come up with three times what was even due and then it was only a week late due to unforseen emergency circumstances. As if things couldn't get any worse, my daughter's Christmas presents are in the trunk of the car. I tried to speak with the salesman that sold me the car and Sara threatened to call the police on me. This woman is rude, ignorant and has no business in the position she's in. You do not use personal judgement or experience in a professional environment when making decisions about if a person is "deserving" to get their vehicle back. I did everything anyone else that purchases a car there does and finances are not an issue. Why is it she had made a comment stating" she didn't feel I could get the car back and she decided she was ending my contract". Does she not realize that the minute they falsified a state document for application of title the contract was already breached or is that the reason they picked the car up. Sara then informs me that I need to just walk away so she can take the car off my credit and then resell the car to someone else. That's the most ridiculous thing I've ever heard. Sara also told me that the extra money they were charging me every month was NOT insurance at all. It was only coverage in addition to the state minimum insurance that I had to pay for also. The coverage they provide that I was paying for only covers the car if something happens that insurance won't pay for. In other words the deceived me and when I didn't catch on they took my car.
My daughter is 9 years old, diagnosed with both depression and anxiety. That car gets her to and from counseling appointments and Ann Arbor for the joint pain she's suffered since she could speak. JDB or CNAC don't care. They don't care about the elderly couple that will spend their life savings fixing that bucket Aspen they sold them. They don't care about the hundreds of other people they've done this to. Someone needs to step up and help. If there is any attorney out there willing to take this case I will put them to shame with the lies and all the crap they feed these poor consumers. People buy cars there because they don't have many options, but that doesn't give them the right to take advantage of people. I also found out they don't even have an active General Manager so Miss Sara has taken it upon herself to act as such. Go back to your desk and your calculator and leave the real job to the people that know how to do it. You couldn't even run a daycare why are you making decisions that ruin people's lives!!
This report was posted on Ripoff Report on 11/23/2017 04:30 PM and is a permanent record located here: https://www.ripoffreport.com/reports/jd-byridercnac/saginaw-michigan-48603/jd-byridercnac-sara-financial-manager-they-repossessed-my-vehicle-after-no-letter-no-n-1413229. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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