J.D. Byrider
Reviews and Complaints

I totally agree, they are heartless crooks! We too also purchased a 98 ford windstar fro them, which I did not want, I wanted to get a newer van but the salesman kept telling me those cars weren't ready to be sold yet, a buch of BS, but because we needed a vehicle, my husband agreed to get the 98 van, they had us put down $2400 that we made in installments then $378 a month, we got the van in may 06' and they told us it would be paid in full nov 09, now they are telling us, the payments end in feb 2010, I just don't know how the hell we owe that much for a piece of crap old van, I mean I totalled up what we paid, and it is well over $15, 000 for a 98 van, I mean I can but a brand new van for that price! Now we are delinquent in payments but never gave back the van yet! I feel they got way more than they should got andi still have the van. Well I will just wait and see what next! Just tired of these clowns taking people who try to do the right thing for a ride, now I'm taking them 4 a ride!

In November 2008 i purchased a car from J.D. BYRIDER in Kernersville, NC at that time, my husband was receiving disability from a stroke and I was working full time. In January 2009, I lost my job and was not eligible for unemployment and the IRS began taking $322 from my husband's disability pension for moneys owed. Up until that time, payments were made on time every month. In June 09 we started having problems with making payments on time. Instead of making them every month we were making them every 2 weeks and admittingly, sometimes they would fall behind but I would still keep in contact with them to let them know what was going on. My husband has no health insurance and has to pay for his medication and office visits monthly. After contacting them, they harassed me daily, calling back to back and sometimes sales people would show up at the door. They even called my references after I had already spoken to them, to let them know my business. My car was repossessed on August 21st 2009, after making a payment on the 12th of August as well as giving them $305 for backpay. Again, we have no car and I do not know how I will be able to take my husband to his doctor visits.

J.D. ByRider is heartless and I would not suggest for anyone to purchase a car from them.

I too was such a victim in the Canton OHIO area from this company.

My payment's were automatically taken from the checking account. They took the payment out whenever: it was never the same time as stated in the contract, which bounced my account a couple times and they sure didn't pay the overdraft fee's either.

I switched job's and told this company I had to change my due date to the 15th and last day of the month. This company refused to work with me and kept charging me a late fee payment on top of the regular car payment.

Several times a week the office girl named Tena would call and leave messages my payment was late and when was I making it.
Repeatedly I told her. I only get paid on the 15th and the last day of the month. She was very rude and told me I had to pay it or they'd reposs the car.

Then she was calling my employer asking to give me a message.
They even sent them a letter verifying when my payday's were and they were willing to do payroll deduction. This company refused saying they could not change the due date.

On June 21st, 07 Tena called me saying I had to make the car payment now and the late charge fee or they were going to repose the car. I told them fine come and get it it was sitting in the driveway and the key was in the glove box. For three weeks the car sat in the driveway. Finally I had enough and drove the car to their car lot on the corner of West Tusc. and Wertz in Canton OH Friday the 13th, July 07.

On the 18th I went in and sign release paper's on the car.

Several weeks later I received a notice in the mail saying:
REPOSSESSION NOTICE
ON 7/25/7 CNAC repossessed your 2000 CHEVROLET IMPALA
serial number 2G1WP55E6Y9265624. The Collateral for you loan #1708056.
You are in default because
1. You failed to pay your installments when due 7/2/7.
2. You failed to maintain full coverage car insurance with CNAC as Loss Payee.
3. CNAC, in good faith, believes that you cannot, or will not, pay or perform Your obligations under the Retail Instamment Contract.

If this is your second, or greater, default you must pay off with cash or certified funds the entire Loan balance before NA in order to reclain vehicle. If your vehicle was impounded by the public official, you many not be able to reclaim the vehicle. In that case you will have to contact that official or agency to determine your rights to the vehicle. If this is your first under the Contract, you may cure this default be paying to CNAC, in cash or certified funds in total of:
1. Installments due and past due $632.48
2. Unpaid delinguency charges $ 40.00
3. Redemption Fee * $ 25.00
*Note: the total repossession expense is $205.00 of which $180 will be added to your loan balance, if you reclaim the vehicle.
4. Security deposit equal to two (2) installments $316.24
5. TOTAL $1013.72

YOU MUST ALSO RE-QUALIFY FOR YOUR LOAN by providing veriable proof of residence full time regular employment, sufficient income for all obligations, working home phone number, and full coverage car insurance policy that list CNAC as loss payee/lien holder as required by your loan contract.

NOTICE OF SALE
Such payments and information must be received by CNAC no later than 21 days after your vehicle was repossessed that date is 8/14/7 you do not cure the default before that date, CNAC will sell the above-mentioned vehicle at public auction on 8/18/07 11AM at Consolidated Auto Auction, 351 16th Street SW, New Philadelphia OH 44663. The vehicle will not be sold for less than $50.00.

YOU WILL BE HELD LIABLE FOR ANY DEFICIENCY
Your vehicle is now in a storage lot and will remain there until the day of the auction. You may recover any personal items remaining in the vehicle up to 30 days after the date of Repossession. If you need to retrieve items before that time, you may call us to arrange a mutually agreeable time and place for you to remove those items from the vehicle.

Funny part is my brother and I took the car to the car lot on W> Tusc and Wertz in Canton OHIO on Friday the 13th, July 07 and put the key inside their drop box. I also went in and signed a release paper saying I turned the vehicle in because they refused to change the due date on my payments due to a job change pay days were not until the 15th and last day of the month. So how could the I D 10 T's have repossessed it. DAH! Here's your sign dumby.

The full coverage on the vehicle was not cancelled until July 31st, 2007. My insurance agent notifed them by mail when I showed her a copy of the above letter they sent me.

Notice in the above letter they say they are going to requalify you for the loan, yet when I only wanted them to change my due date they flat of refused to do it.

Now I have to go to court over this ###.

TERRIBLE DISHONEST RIPP OFF OWNER JIM HOT HEAT THAT swears at customers and hangs up on them too!

You work for them so you have to say that. The cars they sell are lemons. I got a car there on Wed evening, that wraggly mess had me walking 1am on Saturday night in the rain and cold beacuse it quit. They towed it found out that the engine was gone in the car. what a joke.

I would be embarrassed to work for jd byrider...Sadly they take advantage of people when they're in a bad spot. Just look at all of these complaints! How do they get away with it? I know that they have legal loopholes they jump through to protect themselves- but it just is NOT right. JD Byrider does NOT look out for their customers in ANY way unless it benefits jd byrider. My daughter is in a real bind now with the piece of junk they sold her. She's had the car a couple months & now it needs a new engine amongst other things...BEWARE!

Unfortunately your company makes false claims and puts people in vehicles that are bound to breakdown from any number of causes that are not resolved prior to the customer's purchase. It is a scam that needs to be stopped. A class action suit will no doubt be following shortly from so many customers being taken advantage of. I regret everyday the fact that I purchased one of your vehicles. I should have gone straight to a dealership, but was nervous that my credit wouldn't be sufficient enough, when in fact, it was. Sir your comments are mis-leading and no doubt written by an employee that doesn't care about it's customers. Hopefully the light will turn on, in your head, and you will read all these customer complaints before making false accusations.

That is a lie, my car broke down the 1st month I got it and it has broken down every month afterward so maybe in the state that you live in but in Va. it is diffrent and my car is still in ths shop.

im here to tell you something. we have one of the vehicles from jd byrider and it has done nothing but caused us issues. how can you sell a vehicle where the seat belts do not work properly and will not prevent a passenger from hitting the windsheild or dashboard in an accident. ... thats a lawsuit waiting to happen

i was a tech for jdbyrider and their insp.suck so you must suck

Apparently you don't work at the Canton OHIO JD Byrider shop then. I've got relative's who have been through their so called repair ###.

Parts were bought at a salvage/auto junk yard. Not a regular parts store.

My son-in-law and brother bought vehicles through this company. They were told repair's had to be made at their shop only our warranty was invalid.

They were told new parts were put in. After numerous trips back to their repair shop in Canton OHIO they told them to keep their vehicle.

They charge more for the part's then if the people would have bought the part themselves. Didn't meet the dead line they said it would be done in. Refused to give you a rental car while your vehicle was in the shop.

Went there to test drive a car on their lot in St. Clairsville, OHIO and it wouldn't even start.
A friend of mine bought a car from them...drove it 15 miles to his house, shut it off, and it wouldn't restart. The same car had a moon roof. The first day it rained...well...can you GUESS what happened?

sounds like someone has there haterade full just because you felt miss treated dosnt make this a bad place i think its time to the chip off your shoulder

Hello, I am Eddie Pratt Of Madison, Indiana. I wanted to know if anyone of the people that are making a complaint on here have ever looked at the paperwork or the facts. I work for J D Byrider. I have been with the company for just over 2 years and my customers are now paying off their vehicles through the finance company CNAC. I wonder if these folks would be willing to review the Video They Watched When They Bought Their Vehicle.

Here is A Link.
http://www.jdbfacts.com/JD-Byrider/2008ClosingVideoEnglish.wmv

I hope Your Circumstances Change In The Near Future.

Thanks For Your Time, God Bless You,

Eddie Pratt
585 E Clifty Dr
Madison IN 47250
epratt@jdbyrider.com

two front tires fell off a car while i was test driving one of there cars i never went back

I know first hand they do as little as possible to get the cars on the lot to sell... Allot of times they do not do the standard checks and balances they should be doing. They are cheap and a ripoff!

Dont work for the company either, they treat the employees like crap! They will not have a problem working you 15 to 17 hrs a day! The upper management is a bunch of spineless hypocrites!

Right on. I'm going to appeal their garnishing my part time wages.

Luckily for me I kept track of every day they called me on my answering machine. My employer also said they would vouch for me when I go to court that the Canton OHIO office refused to work with us on the due date of my payments.

Then after I turned the car in and signed the release paper's one of their salesmen had nerve to call me wanting to know if I needed a car loan. I kept track of those calls as well.

And them helping you out with credit still does not and should not qualify them to rip you off! Thats just unfair business! My fiance had okay but not great credit and they told him that they would work with him and in doing that they told him he only needed $800 down on a '97 Grand Prix. Well the kelly blue book value for his car was- for a car in excellent condition- around $6-7, 000 and he ended up paying $13, 00! And the customer service is crap! The original woman who sold him the car quit about 5 months after and then a new woman came in and she is the most obnoxious, uncaring woman I have ever met! Shes horrible! No one ever had a good answer for us when we had a question, they all are incompetent! The maintenance people are inept as well- my fiance was in an accident in the first two moths with the car- luckily it was still under warranty and they installed a junkyard engine- which was all well and good- but then they put dex-cool in the car even though there was a recall because it can ruin the head gasket! Not to mention since they "worked" on the car the wiring system has not been the same! Even after the accident everything electronically was working great but as soon as it left their shop it was all crap! Oh and they sold it to him with fog lights that didnt work and when we went to get it inspected the first year we had it we were told that a car cannot pass inspection with fog lights that dont work- so we had to pay to have them taken out! And it seems like the second the warranty was up every other month there was something else needing to be fixed...JD Byrider=huge ripoff!

Sorry this is so long! I hate that this company has put people through- they prey on people who dont have great credit and they feel like they can treat them however they want to, and its disgusting! Im sorry you had to deal with them too! My fiance ripped the jd byrider vanity plate off his car too :)

You need to remember that when you purchase from JD Byrider that you are getting way more than a vehicle. They are giving you the opportunity to rebuild your credit when nobody else would, and that is worth more than any amount you could pay.

I received a Lapse of Insurance Coverage form letter from CNAC Representative Tammy that stated "Your insurance company has notified us that as of --/--/----, your insurance has been/will be canceled. In the event you are stopped by a police office, you may be ticketed for driving without insurance. Also, in the event of an accident, you will be responsible for all property damage to others caused by you."
The letter further stated it is very important they receive reinstatement information within 48 hours. I was instructed to have my insurance company fax my policy information to their office.
The first call I made was to my insurance company. It was for documented proof that there was no lapse of coverage.
My insurance company verified there was never a lapse of coverage. They never contacted CNAC.
I have purchased two vehicles through the local J.D. Byrider without an issue. I made my payments ahead of time by three to four months. I nearly have my second vehicle paid off. I will never do business with them again.
I am looking into pursuing action against CNAC for a false and threatening document sent by mail.

The car i purchased was 9K, I have been paying since 2017 and still owe 8K. Total ripoff but had to do it.

Completely unhappy with the harassing phone calls I am receiving daily 6 or 7 times a day from 2 different numbers. Apparently they can not leave a message but insist on calling my phone at work and at all hours. Same harassing phone calls to family and friends. They do not realize we work during the day and can not answer the phone. I will never do business with them again.

I bought a car from JD Byrider back in March. Man I wish I could have seen this back then and did more research on the company. The sales man was nice but the financing company is awful. They are extremely rude and constantly calling the people I put down for references. There has been no reason and it's pretty much gotten to the point of harassment. It's like they are constantly checking up on me and just being down right rude. I will never ever again purchase a car from them or refer anyone to them. I'm way over paying for my vehicle in more ways then one. In fact just last week I had to put 2 new rear tires on it because the treading came off of my rear right tire and the car is starting to make funny noises. I will be taking the car to my own auto shop and not using theres.

I bought my car through JD Byrider and the financing is through CNAC. The first year of payments were for interest only. I still owe close to 9, 000 for a car that is only worth 2. Then I came to find out that everything I have been doing to build my credit through them isn't being reported had I known what I was in for I never would've done it. Ugh! They are rude and make me feel like they are above anyone. I have over a year paid in and still have over two years to go for a 3 year loan. Can't figure that out but I guess they feel the interest payments deserved a year of its own. I made a big mistake that is not going away anytime soon. I tell my family and friends to never go through this company or JD Byrider. It's not worth the hassle

They have been the ABSOLUTE WORST! I went to them in hopes of helping rebuild my credit being that's what they advertise. Since I've received my vehicle I've had nothing but problems, whether it's been the vehicle in it's self or the misleading unknowledgeable representatives. My only good experience has been with the manager of the service department and the guy who sold me the car. Everyone else I've dealt with has given me the "run-around" and different stories each time I've called. I requested a due date change being that I had a change in employment. I was told to send in two most recent paycheck stubs and make two on time payments after they received the two stubs. Here it is 2 months and several payments later and I'm still going back and forth with them about it not being switched but they're taking the money out of my account each time I get paid, on the day that I get paid. After being called and harassed about a payment on weeks that I'm no longer paid on and the fact that they're already automatically taking payments out of my account, I had enough. I was being told this person and that person was the owner on my account, so I asked to speak to whomever was in charge. I got manager Anthony Palmer who then goes on to say "Oh I apologize for the misunderstanding but you didn't make your payments on time and we need you to send in two more check stubs so we can send in a due date change". It's really unacceptable and these people really don't care the people they have as customers. Once my car is paid off I will no longer deal with company, and as a current consumer if you want to work with a company that cares about the people they deal with, I'd advice you not choose CNAC. Several people told me not too do it and I didn't listen. Not to mention not even two months in having the car my transmission went completely out and my rotors were bad.

Thank the Lord I never bought a car from them. I went with a friend several years ago when she bought a car there, from the Salt Lake City, UT location. I could not believe how horribly rude they were to a brand new paying customer with cash in hand. They acted like entitled [censored]es and didn't let her select the car she wanted, they told her what car she could buy out of the dozens and dozens on their lot. Who does this? Unfortunately she must've been very desperate but I didn't ask and she didn't volunteer. What a ridiculous way to run a "business"!

I bought a 2003 Chev Impala. When I drove up to start looking for a car, they brought me a car one by one, not letting me see all the cars for me to choose, like they were hiding them or something. Ive never had a car lot do things that way. Soon after, problems started happening w/the car. I had the car picked up as it was undriveable, already, went to their crappy repair shop who didn't fix the problems right. I couldn't get to work because of it, lost my job. The only good thing was, Lawanda at the Merrillville location, my old rep, worked w/me very well while I had no income. I called my new rep letting her know I got a new job. When I started working again, then the company becomes unreasonable. My new rep put me on hold. A "floor supervisor", Orlando or something, came on the phone, gave me THE worst cs! He was extremely rude, demanded ALL owed paid in full, THAT DAY! I told him I cant do that, I don't have a payck yet. He didn't care. NOW theyre giving me a hard time? Really? Lawanda helped me more when I had no income. The guy threatened me saying, "if 'I' don't get 'MY' money by end of day, the car will be repoed". I couldn't believe he treated a CUSTOMER that way. Needless to say, hes no longer w/the company. They repoed the care soon after. Arent they supposed to HELP you IMPROVE your credit, not make it worse? Great job! On top of all this, the towing co they work with DRAGGED the car down the street the WRONG way. Calls are coming in about my balance, which I was overpaying anyway for the piece of crap they sold me. I just laugh at them and hang up. They even bother my references about my balance. I now blocked their calls. I would not advise anyone to go here, ever! Stay away from this company, JD Byrider/CNAC!

J.DByrider is a crock of 2 ### ive had my 2006 buick rendevous a litter over a yr now my balance has gone down but this piece of ### ### car is always back at the shop for repairs at least twice a month. I traded in my old car for something reliable and to be honest my old car ran much better. I am asking anyone who's readimg this (DO NOT PURCHASE A CAR FROM J.DBYRIDER)😖

I hope a miracle happen and they all go DOWN! I HATE JDBYRIDER

It is quite obvious that they are taking advantage of people with few options. I started having problems the first week I had my car. I lost count how many times I had to take it to the shop while it was still under warranty. Everything that they supposedly fixed never was. Once my warranty expired, I had to pay for a bunch of repairs that were so called "fixed" by JD Byrider. Thank God I had an understanding boss, otherwise I would not have a job because of all the transportation issues I have had. Just recently I had to replace the engine. In the first two years, I've spent over $4000 in car repairs alone and I still owe $3300 on my car. A 2000 Dodge Stratus. They told me this would improve my credit and assured me that I was getting a very reliable car. I am dissapointed, disgusted, appalled, etc. I am honoring the contract and I continue to make my payments on time but the God I serve will take care of this situation way better than I could think of. God have mercy on JD Byrider and all of its employees when they reap what they have sown 10 fold!

Pennsylvania Residents: The Attorney General's office is requesting that anyone that has had a problem with JD Byrider/CNAC submit a claim via their website: http://www.attorneygeneral.gov/Complaints.aspx. According to the agent, that I spoke to, "the more information we have, the better position we stand to address the negligence and poor business practices. I have filed claims both within my state and through the National Consumer Protection Agency.

The more voices they hear, the more likely the are to act against this predatory lender. It makes me sick to see what they are doing to people that are already in a delicate situation.

I have a 2003 Mercury Sable that is sitting behind my apartment unable to move because I refuse to put another dime into it. I spoke to a tow truck driver, in my area of PIttsburgh, that told me he picks up, no less, than 5-7 JD Byrider cars a week.

Enough is enough.

I would recommend to all the bloggers here to alert the Attorney General's office in your state and also file a national claim. Give this a voice, besides posting on blogs. Let the government know what they are doing. The more voices in their ears, the more likely they are to act.

We may not be able to sue the pants off of this company, but the federal and state governments can force the company to face their demons and make significant changes or close them down completely.

I Bought my car from the Kernersville, NC location in 2008. I was happy to have a car that works. in march of this year I had to take the car to an AAMCO Transmissions shop to have the car fixed. the guy said it's good that you drought it to us because your warranty is expired and they would charge you more for the repairs. I paid $675 for the repairs to my car. Then I have problems with my OBD system and spent $178 to fix those problems. no the car runs bad, it won't pass inspection and thy overcharged me for the car. my loan was for $11, 000. the car is worth only $3, 200. it's a 1999 Chevy Lumina. I know that part of this problem is my responsibility but I needed a car really bad. I will never refer anyone to them.

thats right i am a exemployee of theirs.i quit because i told them of employees not doing their jobs.not changing oil before the car was sold put wipers on and let go.they let me quit and kept the dead rip off tech if you can call him that.i am in fla so i know what these people are talking about.i worked without meny of lunches to fix what should have been fixed in the first place

I just bought a 2000 chevy impala from mansfield location. What a mistake I had to take it to another jd byrider location because of the air bag light coming on. The guy pulled the codes and said it was for the air bag, the anti lock brakes and of all things the transmission, which happens to jerk when it goes into gear. So I had to take it back to the location i bought it from and he said he cant find anything wrong with the car, and that its not pulling any codes. hmmmm so now my check engine light is on and this morning on the way to work it just quit dead on me. All the wanna do is give you the run around, and act like its your fault!

OMG I have a 1998 Ford Contour from them in Pittsburgh PA and my story, while different parts, is exactly the same. Mine broke down 18 minutes after I bought it. I tried to return it, and they acted like I committed a crime. How dare me ask to return it. They talked me into keeping it and it is the sorriest thing I have ever done. I tried to trade mine and after two years I owe over 4000.00 and the piece of crap is work 500.00. In addition to that, try to get an appointment to service it. I asked for a state inspection the last week of March, expiring March 31 and was told the soones was April 22. The recommended I take it to a further JD. If I wanted to go there, I would have bought it there. EVERYONE STAY AWAY...PUT THEM OUT OF BUSINESS...

I've just been a victim to this company, without knowing they are shady. I only had my car for less than a month missed one payment they set my account up for repo after I trade in my car as well as put 200 down I'm only 2 payments in and now I'm left with no transportation. This should be against the law. If anyone went through this situation and had a lawyer can I please get the info?

We are very sorry to hear this please contact me at jre@russdarrow.com to allow me to assist in anyway possible. We value ALL OF OUR customers and will go above and beyond to help

iam glad i have read alot of these complaints we went in to jd byrider a week ago march 2010 to apply for a car . first thing they made us fill out the paper work and told us how their company work never said anything about repo. a car if payment wasn't on time. would not show us a car until they found out how much they could finance a car for me. i told them i could only afford maybe a 150.00 a month and they were talking about 320 a month when we ask them how much or which car was the cheapest no one could answer that. iam glad i listen to my son n law and check out these complaints against this company. you don't know how much you helped. this was at beechmont ave. in ohio

CNAC and jdbyrider are both scammers. And They suck!

Service has had my car 10 times for the same problem and continues to cost me money I've had my car since april2017 tonight I went to pick it up only to find out my keys have been lost

I’m about three years in with my car from jd byrider and it has been a great car. I love the car, hate the company. They’re never to be found if there’s an issue but when they need to contact you, it’s boarderline harrassment. Anyways...my boyfriend got a speeding ticket the other day and so I called to get proof of insurance. I pay $36 every two weeks for what I thought was insurance. I was told I had to have that before driving off the lot. Today I found out it was just collateral insurance for if I default on the loan or I wreck my car, to cover their end. So I basically haven’t had insurance this entire time. I’m beyond pissed. By law I’m reading if the loan is paid off they must return that collateral. Something tells me they won’t.

I heard JD Byrider no longer exists.. who bought the contracts? I returned a van in 2012, they say i owe 8, 006.00 dollars, Now they want to seize my home which im selling valued at 145, 000. they claim they put a lien on my deed to my house. how can they do this? deville asset management is trying to collect

I'm filing an harassment complaint against CNAC Brookfield, WI. Their account managers are calling my sister, first of all I never gave them her number! Second, they have a number to reach me about payments. However, I spoke with my account representative, Charlotte Wilson, [protected], ext. 2139, I asked her to remove my sister's number from their call list, I explained to her, how did they get her number? I never ever gave them permission to contact her. Charlotte told me she would have it removed, she never stated how they have her number. Here we go again, this morning my sister called to tell me a lady from CNAC is calling trying to get in touch with me. I called Charlotte Wilson this morning, left a voice mail to let her know to once again remove my sisters number from their CONTACT LIST! Yes, I'm using bold letters, because this will be the 2nd time, I have requested to stop calling my sister! I am not happy with CNAC, I'm really sorry I financed my vehicle with CNAC. The nerve of them to take it upon themselves to contact my family member. Account representative name Jeff, not sure of his location South 27th Street, Brookfield or Madison, he has the nerve to suggest, I reach out to my family to make this missed payment! The nerve of this annoying guy! Great news! My car will be paid in full very soon, I can say gladly say, Good Bye and Good riddance CNAC! I will never, never, ever, ever finance with this company EVER again! I advise and encourage anyone else not to!
Date of incident: 052817, 051317
#3834164

I think most of you are mistaken. JD and Cnac are two different companies. They are not a buy here pay here. JD charges more for the cars to profit like any dealer, in fact most cars are not much more than BB value. Also their warranty which does cover the engine, drive train, and transmission (not rentals or other small stuff like typical warranties, ) is included in the cost of the car. Most dealers will charge an additional 3-4k for a similar warranty. The finance company, CNAC is who charges the interest that can vary now as low as 14% I believe. The reason CNAC charges so much for interest is because they are a subprime lender. If they gave all credit stellar rates, then the company would just have to go bankrupt because of repeat offenders. Like any other used car dealer, you're buying a used car. Things are likely to happen. If you want to be prepared if your car breaks down and need a rental, then get AAA, a plan on your insurance, etc., The program does help build your credit if you use it properly, but you have to have a little bit of common sense...

Just a note ..(positive) I'm a normal person with bad credit .. I had no choice but to go with JD ( Madison WI). . I just bought my 2nd car from them last night ... no choice really. I have dealt with car dealers for 30 years, with good credit. Yes .. they charge you 14k for a 6k car. yes 22% interest, pick your car wisely, follow the rules on payments. As for the warranty... My first car I bought has had a few problems, but the head mechanic is great. In and out for the $25 dollar copay on the Warranty. One repair was not covered .. and it was well within what I expected to pay. I have even had a few items fixed for no charge that they could have charged for. Free Oil changes for a year, 20 bucks after the year. I am not happy having to pay that much for a used car, but when you have no choice, deal with it. I am happy with the service.. I know I have bad credit .. and I can say everyone was very nice to me. not saying you wont have issues but I have not.

To be fair...

When you view your glass as half full you see the benefits of the JD Byrider experience. You can have less than good credit and receive the opportunity to own a newer used car. You receive the opportunity to build your less than good credit with an affordable loan based on the information you've provided at the time of purchase. The car you are receiving has a better service guarantee and has had more money invested into the repairs of that vehicle prior to sale than most used car dealerships offer. Yes the price is higher but you are getting something for it.

When you view your glass as half empty you see the negatives of the JD Byrider experience. You haven't been treated fairly or were duped into something. You missed payments for whatever reason and instead of taking care of it right away with a phone call or visit you let it lapse or make a crazy ranting complaint or phone call. You forget calm rationality can solve almost an issue.
Or you have real problems with your used car and instead of remembering its a used car, you storm in or call complaining about how you think your used car was a new car and should be trouble free...oh yeah, i remember now...used cars and new cars are different...ones new and costs more.

Or you can view your glass with reality...and remember...your glass has been twice as big as it needs to be all along...you have the control...fill it all the way...or don't complain when you haven't.

That is all

IMPORTANT! IF YOU ARE FED UP WITH JD BYRIDER, DO SOMETHING ABOUT IT! READ THE ENTIRE MESSAGE BELOW AND PASS THE INFORMATION ALONG.

I was never a customer with JD Byrider, however someone I know purchased a vehicle from them. Whenever she was late with her payments I received repeated phone calls from JD Byrider’s employees. Sometimes I received up to five calls in one day. When I asked, why were they repeatedly calling me? I was told “you are listed as a reference”. I informed the employee that I had nothing to do with the loan and asked that I be removed from their contact list. The employee grew hostile and informed me that because I was used as a reference, JD Byrider had a legal right to contact me. She even threatened to have JD Byrider’s employees show up at my door everyday if they chose to do. So, because the party (JD Byrider’s customer) listed me as a reference (not a co-signer) they have the legal right as a debt collection agency to come to my home as long as the debt remains unpaid. She also told me that if I talked nicely to her she might remove my phone number from their contact list. I hung up the phone and blocked all of JD Byrider's phone numbers so that they would not be able harass me further.

I've since launched an investigation of JD Byrider and I am appalled to learn that they have over 300 complaints listed on message boards across the Internet. While understanding message board complaints only inform consumers to be wary of businesses, they do not protect the rights of consumers who are preyed on by companies such as JD Byrider. Poor consumers and consumers with less than perfect credit do have legal rights and should not allow themselves to be intimidated and victimized by loan shark companies such as JD Byrider.

In this instance, JD Byrider has made the wrong harassing phone call and has threatened the wrong person. I am well aware of the laws and legal rights of consumers. As such, after being repeatedly harassed, I have filed complaints with the Federal Trade Commission, my State Congressman, State senator, State's Attorney General and the Consumer Financial Protection Bureau. As a result, I have since received confirmation from all of these entities that they are currently investigating my complaint. Additionally, I wrote a letter to the ACLU and the NAACP requesting an investigation into the practices of JD Byrider as it pertains to race. Based on my experience with the ignorance and tactics of JD Byrider’s employees, there's bound to be gross consumer, human and civil rights violations.

Consumers or individuals listed as references who are currently or have been repeatedly harassed by JD Byrider’s employees in the past should file a complaint with the Federal Trade Commission, your State and County Attorney General, your State Congressman, State Senator and Richard Cordray of the Consumer Financial Protection Bureau (CFPB).

Pursuant to the Dodd-Frank Act, the CFPB has the authority to take action against institutions and/or individuals who engage in unfair, deceptive, or abusive acts or practices or who otherwise violate federal consumer financial laws.

Richard Cordray of the Consumer Financial Protection Bureau fined DriveTime, one of the biggest used auto companies who prey on the poor and on people who have bad credit. The fine resulted in an 8 million dollar settlement against DriveTime. JD Byrider uses the very same tactics and consequently the same violations are potentially being committed. It's possible that CFPB’s investigation of JD Byrider will have a similar outcome as did DriveTime.

Per Richard Cordray: “Consumers who purchase a car at a buy-here, pay-here dealer deserve to be treated fairly”, DriveTime harassed and harmed countless consumers, many of whom were economically vulnerable.

You should also contact a good consumer law attorney and have him/her look over the contract you signed with JD Byrider as it is possible they may have violated Consumer Protection Regulation “Z” and other consumer contract statutes.

What is Regulation Z? It is a specific Federal Reserve Board regulation that requires debt lenders to disclose all the specifics of a given loan. This was done to promote a level of credit protection for the underlying consumer.

To file your complaint with the Consumer Financial Protection Bureau please write:

Consumer Financial Protection Bureau
Attn: Richard Cordray
Consumer Financial Protection BureauP.O. Box 4503
Iowa City, Iowa 52244
Or send your letter by Fax [protected]
See the link below regarding the DriveTime settlement.

http://www.autoremarketing.com/bhph/exclusive-drivetime-responds-8m-fine-cfpb

Best Regards.

Here's the thing it shouldn't matter what your credit is to people who have not gotten a vehicle from them or had to deal with CNAC .No one should ever have to go threw the disrespect the rudeness nor harassment they put people threw yes people with bad creditshould have to pay a little more everyone gets that and agrees but no one knows what happens in someone's life things happen that you have no control over when they tell you they don't care if your on your death bed you need to have that payment in now come on that is just very cold and heartless I've never known of any place or Bill collector to treat people that way