Cnac and Jd byrider is horrible these people are crooks I tried trading my car in that I have had threw them for 4 years now and I still owe 4,184 I make payments every 2 weeks and they charged me way to much for a 2008 car and it seems everytime I make a payment my credit score never seems to change they lie to other creditors to make you look bad horrible people
CNAC is the BIGGEST fraudulent bullshit company! I had my vehicle for 3 years... I had ABSOLUTELY NO ISSUES with my payments for 3 years... If I had any issues with payments due to my financial situation I spoke with the bank and we rewrote my contract or they helped me make my payments on time. Over the past 3 months there are all new people working for the bank. They had no clue that I was under a different contract. The website even had the wrong payment date and total of my normal, regular payment due. I was told I was behind. I provided proof and I was asked for more proof. I said I would only produce a supervisor. I emailed several times that month asking for a supervisor to contact me. And no one contacted me nor even acknowledged my email. Only after contacting HQ I received an email but after following up no one responded again. The first time I had driven my car in 2 months, within parking for 10 mins, my car was repossessed. I finally spoke to the gentleman who emailed me, produced ALL my paperwork and it has been 2 weeks. I have called and emailed MULTIPLE TIMES A DAY... and no one responds. My vehicle was BASICALLY repossessed ILLEGALLY! And for ABSOLUTELY NO REASONS. On top of the fact if CNAC was correct, why can't anyone call me? Besides the fact the repossession is on my credit report already. And even if I wanted to make a payment.. My account was locked the day it was taken! Do yourself a favor and save the headache!!
DO NOT! I REPEAT! DO NOT DO business with CNAC. Everyone involved with this fckery will make your life a living hell. We all go through hard times and sometimes we have to do what we must to make it, but these people, this place will completely break you, take from you, lie to you, mistreat you, talk bad to you, etc. They just flagged my account which shows up on my credit, for paying one day late. I disputed the flag and will be talking with my lawyer about all the awful things this company has put me through. I would not recommend CNAC to anyone.
Predatory lending disabled my account to make payments, because they kept billing the wrong account and refused to remove it from their files.
I closed a bank account and opened a new one but they still bill the old account. Rude customer service lies and harasses me daily.
They need an 0 for reviews I will never go back or refer anyone to this dam awful place. They are so unprofessional especially in Joliet Il. CNAC Charles Cain better stop sending letters to refer anybody cause im going to hurt his feelings wish this place could get shut down for all the lies and harassment
Liked nothing about them? Worst ever! Don't do any business or anything with anything affiliated with them rude and undeserving of anyones business! Need to be evaluated! Only gave one star so I could give a review.. Really can't say what I wanted!!!!
Don't ever do it, even their "insurance" is a joke. I really hope they go out of business.
You'll be in hold for over an hour everytime you need to call them but if you're late they will blow your phone up.
ABSOLUTELY UNPROFESSIONAL & INCONSIDERATE! NEVER DO BUSINESS WITH THIS COMPANY! I'VE BEEN WITHOUT A CAR FOR OVER 3MONTHS NOW. MY PAYMENTS ARE CURRENT & SO IS MY INSURANCE ON MY VEHICLE! MY CAR WAS HIT BY A DRUNK DRIVER. IT TOOK THEM 4 DAYS TO TOW MY VEHICLE TO THE SHOP FOR REPAIRS. I'D RECEIVED 2 TICKETS UPON THEIR ARRIVAL. AFTER A WEEK I CALLED TO CHECK ON THE STATUS OF MY VEHICLE. INITIALLY THEY COULD NOT LOCATE MY CAR, BUT CALLED BACK 2 DAYS LATER STATING THAT IT WAS TOWED TO RUSS DARROW FOR REPAIRS.3 MONTHS LATER & THEY STILL CLAIM THE VEHICLE ISN'T READY. HAD THIS CAR 2 YRS& I'VE NEVER MISSED A PAYMENT! CURRENTLY STILL MAKING MY PAYMENTS AFRAID OF HAVING BAD CREDIT & LAW SUITS. MY DEDUCTIBLE WAS PAID MONTHS AGO! THEY REFUSE TO GIVE ME A LOANER CAR OR SWAP CARS FOR A VEHICLE OF THE SAME VALUE.I EXPLAINED TO THEM THAT I'VE MISSED HOURS AT WORK, I'VE HAD TO PAY UBERS & CABS TO GET AROUND. EVEN HAD TO PAY FOR A FEW RENTALS. THEY SHOWED LITTLE TO NO CONCERN! HOWEVER THEY HARRASS ME EVERY PAY DAY REMINDING ME NOT TO FORGET ABOUT MY PAYMENT! THERE'S NO EXCUSES FOR ALL OF THIS BAD BUSINESS!
Hi. I am contacting the BBB, the CNAC actual bank, and the attorney general. I get that I'm past due on my payments, but to LIE to me and treat me like I m trash is uncalled for. When I call the office, James talks to me like I'm stupid! I asked him to stop running my card, and he replied well you sign up for auto pay . I ve read my contract, and no where in there does it say that I cannot remove auto pay. Since you drafted my card after I asked you not to, it caused me to be even deeper in debt. When someone says "do not call me" you should put them on a do not call list! So when someone says do not draft my card you should umm... I don't know NOT draft my card. I ve gotten the rudest voicemails, which I have saved! Voicemails telling me "If i dont hear from you by ((insert time)) I'm going to repo your car. YOU CAN'T DO THAT! That is threatening me! To text my phone and say you re in default and up for repo is rude and highly unprofessional! When I call the office and ask to speak with a manager, someone always wants to give me James, & he's one of the ones treating me like this. Of course, he sees no wrong in his cruel and unfair practices! Just the other day, Michelle called me and left me a voicemail saying Chelsey, this is michelle with cnac auto finance, you need to call me before 7pm or else i'm contacting the sheriff and reporting the vehicle stolen! Again you have until 7pm! Um hello! You have a gps on it! I signed a contract, so how did I steal it? James knows where it is, ya know, cause he lied and said he would have it picked up and fixed! Which guess what? He hasn't! SHOCKER! I have saved the voicemail and I will be sending it to CNAC finance myself, as well as the BBB, the attorney general, every single one of your managers! Obviously you all need collections practice training, like yesterday, because you are breaking the law. Google fair debt practices! I made well over 20 payments, (over $5,000) was NEVER late on the car payment, and the second i miss a payment afer I asked James to change my due dates, this is how i'm treated! Then, when I say come get the car, y all say you are going to garnish my check. Well if you cant help me fix it, because I cant afford a tow, you cant change my due date so I can make the payment on time, then how come you can tell me you will report it stolen, garnish my wages, and report my credit, but you aren't willing to do anything at all to help me. The car has been in the same spot since April, when James said he would have it picked up and looked at, so obvisouly your gps doesn't work! That i signed for when I got my car. That s funny, because your debit card machine does, because i signed a paper for auto pay.
I'm not the one to vent or complain via Social Media, but I'm doing this so that you all are and informed about a Dealership called JD Byrider and their Loan Company CNAC. Please, no matter how desperate you are for a car, I beg you to never get yourself caught up in their lies and scams. If it seems to good to be true, well then it is!
Just a quick review as to what I have been dealing with for the past week ..
I have been without a car for 1 week now. What was supposed to be a just simple oil change, turned out to be an "OH MY GOSH YOUR ENGINE IS DONE FOR!" I was told that I needed a new crank rod and was quoted $3200 for the repair was only the turn for the worst! So, with my car STILL UNDER WARRANTY, and only owing $2700 left on the car ***Which I have paid all my payments on time, never a day late or a dollar short in 2 years and 8 months!!*** I was told that the warranty was denied because I was NOT CONSISTANT EVERY 3000 TO 3 MONTHS ON MY OIL CHANGES! And here's the real kicker! I have been putting high mileage synthetic oil in my car since day 1! My car manual says up to 7999 miles max on oil changes and I've never gone over 5000! And I was told that since I've only put 23,000 miles on my car in 2yrs and 8 month that I have put" stress on my engine" for taking shorter trips! And then the guy has the audacity to tell me that I ran the engine to the ground!! With my blood boiling I said a few inapporpriate words and hung up. So there I was, left in tears and feeling like all my hard work to pay off my car and build my credit was all for nothing!
My Husband and I head over to the dealership to get the car back in our possession and we were laughed at as they said "Good luck even getting that car down the road before the engine blows up!' We ended driving that car 20 miles to another Auto Shop HaHa.
The Auto Shop by the name of T.J.'s Auto put some real time in investigating my car and come to fine out that it wasn't even the crank rod! It was the oil valve gasket that was causing the leak and the sound was coming from the AC Compressor! Total repairs ended up being $1300!! I'm happy to say that, I'll be picking up my car in 3 days and I'm refinancing my car through my bank and getting the hell away from these crooks!!
Since my car loan is being taken over by my bank saving me a to ton of money at a much lower interest rate I have had nothing but headaches with this company! They refuse to give a address where the check should be sent and now I get daily phone calls from them because they are jerks! Wouldn't recommend them to my ferrets
I've been with this company since 11.17 and was only ever late once ~ they even worked with me ~ I haven't had a problem ever with CNAC =)) We love our 2010 Ford Fusion
This company is a joke ! They will call you continuously on the day you're payment is due as if it's late and lets not forget the customer service, they are real life idiot's couldn't be more horrible. I wouldn't recommend them to anyone .
I would really like to know why CNAC does not report to the credit reports as they should and never report correct when you do a fresh start that means start fresh I have not missed a payment since we started the fresh start in august 2017 and they are reporting I am 27 days late and I pay on the 1st of every month or before I think they need to do the right reporting or we will report more disputes and reviews. Stop acting like T D Finance they already have a class action lawsuit on them. CNAC may be next.
I have no problem contacting the Indiana Attorney General about them
Reading reviews as it's already too late. I wish I would have done my research. Rude a** staff. And just like everyone else...the THREATS. The calling references. If they run the payment at 8 am and it doesn't go thru...they are calling you at 8:01 threatening you. After all these bad reviews...you would think the company itself would want to change things. I will never fall for this again in life and I will steer people far away from this place. JD byrider... Is great. Pricey. But there has to be another finance option
I'm so glad I am just about done with my loan, only a few months left. Shortly after I bought my SUV, I changed jobs. Paydays were on opposite weeks I had set up with them. I asked them if they said we can't do that. I wanted taken out of my account on payday so i knew i wouldn't be late with payments. I had an unexpected bill and my payment didn't go through. Needless to say, the next morning i get several calls from them. Then the next day they blast my credit report lowering my number immediately. This company is supposed to help build up credit, guess not. I will definitely not be using them again
This company is the absolute worst. They lack integrity and take advantage of people.
I don't even have a loan through them but they keep calling my work looking for an employee, which we are not allowed to take calls for collection purposes at WORK. I kindly told them this and they call MY office phone several times a day. I'm just so lucky and get all operator calls routed to my desk. PLEASE STOP CALLING MY WORK!
Dude the worst finace company ever they will literally harass you the day your payment is due i keep telling them if my payment isnt late dont. Call me
I m actually embarrassed to post this. I purchased a car with this company a year & half ago and I just received updates on my credit rerort and just found out this company just raised my interest rate from 19% to 25% after having the car for over an year. Wow
Called to pay bill. Was answered by a rude and disrespectful rep. Not helpful.
Cant get a hold of anyone.....online payments are a puzzle more than anything. 10/10 would not recommend.
My car was totalled on5/4/2020...my car was legally parked and unoccupied..they want you to continue to make payments on a vehicle the insurance company has posession of and today threatened me with legal action because the insurance company hasn't issued a chevk yet..umm yup I can control that...never have I been asked to make a payment on a vehicle after its been totalled....horrible company
This company along with JD Byrider are nothing but crooks. They claim to help you get in a safe reliable car at an affordable payment, that's a joke. I spent $18,000 on a vehicle only to have to put $11,000 worth of work performed in the first year (including an engine replacement). The general manager of the Beechmont location told me that's what to expect from a Used vehicle with no apology or offer of resolution then transferred me to the service department and refused to take my call back, complete lack of ability to deal with an upset customer. They DO NOT allow you to refinance and will tack on additional interest for early pay-off (that's not how interest works). No matter your situation, make the smart decision to NEVER do business with these companies. - HARD LESSON LEARNED
Hahahahah send us in proof of full coverage and we will eliminate the cost of car insurance. 2 weeks later and they are still charging me for insurance that I don t need. About to take the car back to them and get something different. Horrible service in the car department. Car doesn t run right and they won t fix it
Like so many others, only giving one star so I could give a review. They are predatory and will take money out of your account as they see fit, stating you authorized it. When you call to reverse payment they will take weeks to refund your money. Cars are overpriced and not worth the hassle. Not to mention, customer service is a foreign concept. Don't try to get your car scheduled for service either because they claim it will take months and then close the shop and relocate 100 miles away.
My experience is crazy ... the day my car payment is due, I literally have to turn my phone off when I walk into work not vibrate but off, or else my phone will vibrate over and over again, with them texting, calling asking to discuss my payment at 8am, ask if you got out of bed and only they were on your mind, gesh can you give people until the end of day that's it's due, you'll get your payment please let people be able to go to work to make that money you so desperately want.....js
Trust me when I say they are writing their own reviews. It s as simple as creating an email. JDByrider and CNAC finance deal in unfair practices. I encourage everyone to report these guys to the FTC and the USAGO as well as the proper State Offices and hopefully it results in a class action lawsuit so everyone can be compensated completely. Do not negotiate with them gather as much documentation as possible and send in your complaints. Illinois does not need a JDByrider or a CNAC operating anywhere in the Land of Lincoln.
In November of 2017 l purchased 2010 Ford Fusion ~ I've had no problems with company ~ and even on one occasion that I did need an extension they were very helpful.
It I could give it zero stars I would. The lady that works there tried to be hard and mean for no reason. Her name is Cherise. She speaks to you like you re a child but will soon get her tables turned on her by someone who will give her the exact attitude she gives. It s not that serious especially when people are trying to pay their bill. Don t deal with her
This has to be the worst company I've ever dealt with. Avoid them with all cost. They are rude and do not care about anyone. They are money hungry and will screw you over.
This place is a joke they get negative 5 stars these people are worse than a loan shark. The customer service is terrible they speak to you as if your a 2 year old and question you about your money. I really hate that I brought a car from these people I would never recommend anyone to ever deal with these people. They harass you on the date your car note is due and the next day their calling all of your references telling them all your business. All they do is call you and talk about taking your car they have no compassion for nobody they already over charge you for these cars that are mostly lemons or have to be repaired a day after you buy them. The South Holland location is terrible the staff is rude and unprofessional I would never do business with this place again. Please stay away from this company you will thank me later.
As long as you realize you re paying up to $10 or more dollars A DAY in finance charges and have no other options, this might be the only way to get a car.
The problem is you are paying 2x what the car is worth. My son s car (he had zero credit) has been nothing short of a poor decision (his fault and mine for not talking him out of it).
Really this is another example of predatory lending to people who already have financial issues. Should be illegal, but it isn t.
Make extra payments if you can and be sure you make it clear you want it to go to principal not finance charges. Build your credit and get to a legit car dealership.
They don t return calls either
DONT DO IT!!!!!! RIDE A BIKE N SAVE. I GOT A CAR THRU JD N THEM FOR A LOAN. I KNOW BAD CREDIT PAY MORE OK THATS FINE I NEED A CAR FOR WORK. IVE MADE EVERY PAYMENT ON TIME FOR OVER 2 YRS NOT A DAY LATE N I HAD A MIX UP AT WORK N WASNT GETTING PAY ENOIGH ON MY CHECK. I CALLED AND TALKED TO THEM TO LET ME PAY 2 DAYS LATE TO GET MY PAY STRAIGHT WITH MY WORK AND THEY SAID IF I DONT PAY THAT DAY THEY WILL COME AND REPO MY CAR. LIKE REALLY OVER 2 DAYS N THE CALLS NVR END FAMILY,FRIENDS,WORK AND ETC. AND THE SO CALLED WARRENTY THEY OFFER IS A JOKE IF YOUR ABLE TO GET IT INTO A SHOP IN A COUPLE OF MONTHS HOW THE SCHEDULE AND THEY WONT FIX IT PROPERLY AND U TRY AND GRT BACK IN TO HAVE IT DONE RIGHT WAIT A FEW MORE WEEKS OR A MONTH AND WHILE U WANT N YOU GO OVER THE MILEAGE WELL GUESS WHAT NO MORE WARRENTY EVEN THO U BEEN TRYNG FOR MONTHS TO GET IT IN THERE.
I had wrote them weeks ago to let them know I was waiting for short term disability to get approved they told me ok and just to let them know. Well my check came in last week and I made a payment to them. Well yesterday was the due date for the car and they start calling everyone on it list starting at 8am. I spoke to them yesterday at 2:48pm and let them know that no payment was going to be received this week and the lady said ok and hung up. I talked to them to let them know that my short term was approved but I don t get a check until next week and that I can pay them $50 today. The manager Whitney refused to take a payment. When I asked for her boss she said he isn t in until Monday and that I have until 12pm today to make the full payment and I told her that I had no issue giving her some money today but I will have to wait until my check comes in next week. She said no and that they wont take any kind of payments until they can see if I can still afford the car. Ummmm the car payments can still be made just on a different week due to the date I get the check. My car insurance is all paid to date along with my other bills and they want to see if I can afford the car. This is the worst place every! I can t wait to pay this damn car off and to deal with a real place. Like I said I offer to pay them something and yet that wasn t good enough for them. DO NOT BUY CAR with this place!
Take advantage of you being in a bad situation. Pay one day late and they repo and sell for higher. Its my own fault for having bad credit i guess.
worst company , predators, go to bank or credit union if you can, read peps review
CNAC made a settlement agreement with us to payoff an 8 year old debt to remove it from our credit they were paid took it off our credit then re-reported the debt 1$ less than the original and changes it from bad debt to charge off to profits and losses needless to say CNAC and jd byryder in Cedar Rapids Iowa will be in federal court answering to a multi million dollar lawsuit for violations of the fair credit reporting act (fcra) we anticipate a very good response from a jury
Jd byrider /CNAC the same people, ive had my car from them for 6 months , fairly nice used car, of course overpriced , same car sold at dealers for 6,500 they sold it to me for 12500 with 25% interest and thats to be expected from subprime lender/dealer.
They have finally pushed me to the edge after six months of on time payments and not a single beat missed, i missed my payment yesterday due to my busy schedule being a salaried manger that works 50+ hrs a wk. So they called me the today at around 8 am , i missed the call getting ready for work and without hesitation they have already went through and called all of my references to get ahold of me.
Really less then 24 hrs late and you call every reference on file? Keep in mind they have a specific reference that is listed that allows them to speak fully about my account with but no they call them all.
Trash!
Have been with them for two years only till recent events that I have been late asked for a extension of my loan due to me not working as many hours at work and still have a family of 5 to care for and the only one working now I was told that I would have to be either layed off to get any kind of help. So if I were you go to a different place for a car try any were else but them. If you are a day late they start calling your references and demand to see your bank statement and check stub. Horrible customer service and they make it very clear that they do not care about you, just getting their money.
The payment was do on a Sunday when they were closed. I called first thing on Monday and they had asked me to come in and tell them why the car note was a day late because she could not understand why I didn't pay it on the day they were closed. Oh yes that's the only way you can pay them is go in and give them cash or a cc over the phone. No app no auto pay. They say they have a auto pay but every time I asked to be put on it for one reason or another they never could. So anyway after I went in to talk to this fine person. With cash in hand and a year and a half of on time car payments made, most of the payments I paid extra on to try to pay it off faster. She told me that being a day late is unacceptable and they dont do business that way, and then asked for the car back. I told her way the payment was late and showed her the cash payment. She refused payment and said they will be by the house later that day to pick up the car and asked me to leave. I dont think I left anything out. So I will let you decide if that is someone you would like to do business with.
Worse company ive ever delt with brought the money in to pay off my car and the girl was so unprofessional then siad she cant do anything because the manager wasnt there. Then called the next day and payment still not posted because she claimed they just havent had time. Because I got the 10 day payment amount they are going to take it out the 10 days to make that extra money.Stay away
Terrible finance. ... very rude .. n will take money out of anyone s account without authorization. Customer service is terrible as well .
This place is a joke...rude people. They dont get any facts straight. They dont wright notes down. They dont call you to tell you updates. Hate this place.
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