Business Profile

Financing

CNAC, CarNow Acceptance Company

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Financing.

Complaints

This profile includes complaints for CNAC, CarNow Acceptance Company's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

120 total complaints in the last 3 years.
27 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:07/01/2025
Type:Order Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I made my last payment on a 2005 ***** Trailblazer from the ********, ** CNAC location in August of 2018. Around the same time, that location closed. No body is able to pull up the vin of the vehicle or is able to pull me up in the system to show physical proof that the vehicle was paid off. I later had to see it off for parts due to not having the title to use as a trade in. I know that I have paid it off, because it is listed on my credit report as being closed. 2 weeks ago, I received a letter in the mail from the ***** stating that there still show a lien on the vehicle, and they are requiring proof that it is paid off.
Business Response
Date: 07/02/2025
In the case of Mr. Westley Neagle, complaint number 23542891, we have investigated the matter with the full cooperation of the Byrider/CNAC. Mr. Neagle filed a complaint regarding a lien release for the vehicle he paid off.
Mr. Neagle purchased a 2004 Chevrolet Trailblazer on December 11, 2014 from our Byrider dealership on East Victory Drive in Savannah, GA and paid the account in full on August 20, 2018.
Thank you for bringing this matter to our attention, and please accept our sincere apologies for any inconvenience you experienced in not receiving the lien release for your vehicle.
We understand how important this document is, and we regret that the location where you originally purchased your vehicle is no longer in operation, which contributed to the delay.
To resolve this matter promptly, we have attached a copy of the lien release to this response for your immediate use. Additionally, an original copy is being mailed to the address on the dispute to ensure you have a physical document for your records.
If you have any further questions or require additional assistance, please don’t hesitate to reach out to us directly. Your satisfaction is important to us, and we appreciate your patience and understanding.

Customer Answer
Date: 07/02/2025
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID 23542891, and find that this response/resolution is satisfactory to me.

Regards,

Westley Neagle
Initial Complaint
Date:06/02/2025
Type:Order Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I dropped car off for repair on 05/06 after having it evaluated by and outside mechanic who said based on the damage it would take a maximum of 2 weeks. It has now been a month and my car is still sitting in limbo at their shop awaiting one part and this is unacceptable, I need my car released immediately.
Business Response
Date: 06/05/2025
We are reaching out to the guest as we speak. We are actively doing a quality control on the vehicle and should be able to release it today. Our sincere apologies for the extended timeframe for repairs.
Customer Answer
Date: 06/05/2025
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this response/resolution is satisfactory to me.

Regards,
******* Whilow
Initial Complaint
Date:05/29/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am writing to inform you of fraudulent accounts opened in my name. I am a victim of identity theft and did not authorize the creation of these accounts. Please find the details of the fraudulent account below:CNAC - ***** Opened Date: 7/20/2018 Account Number: *******I kindly request that this account be closed immediately and that any negative information associated with it be removed from my credit report. Please provide confirmation of the closure and any relevant documentation regarding this fraudulent *********** support my claim, I have attached a copy of my Identity Theft Complaint for your reference.Thank you for your prompt attention to this serious matter.
Business Response
Date: 06/02/2025
In the case of Ms. ******** ******, complaint number ********, we have investigated this matter with the full cooperation of the franchise-owned ****. Ms. ****** is disputing the accuracy of the reporting of her **** account to the credit bureaus.
Ms. ****** purchased a 2011 ****** Camry on July 20, 2018 from our Byrider location on ************* in ************, ***
Upon receiving the complaint, **** conducted a comprehensive investigation of the tradeline and found that ********** and Experian were accurate. Equifax was not reflecting the last two payments made. The necessary corrections were submitted to ******* to reflect the paid off account. Please allow approximately 5-7 business days for this update to be reflected in your records.
Additionally, Byrider and CNAC have written policies and procedures that govern the sales and underwriting process. These procedures involve extensive identity verification activities to prevent identity theft from occurring. If Ms. ****** believes this account to be fraudulent, we request that she provide a police report to support her claim as well as customer identifying documents so we can verify with our internal records.
Initial Complaint
Date:05/20/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
In 2018 I purchased a vehicle from JD Byrider through **** financing, a couple years later Covid 19 happened and I was unable to make payments due to not working from the pandemic so the car was repossessed. After the vehicle was repossessed they filed an insurance claim through my insurance stating that I damaged the vehicle which caused me to also not be able to afford insurance. Eventually **** was removed from my credit after the account was charged off. In October 2024 **** reopened the collections account under ******************************* which ruined my credit once again. They have sent me multiple letters and emails threatening to take legal action which has caused me a lot of mental distress.
Business Response
Date: 05/27/2025
In the case of Mr. ******* ********, complaint number ********, we have investigated this matter with the full cooperation of the franchise-owned ****. Mr. ******** is disputing the accuracy of the reporting of his **** account to the credit bureaus.
The tradelines have been investigated and are reporting the account accurately.
Mr. ******** purchased a 2015 Dodge Dart on September 29, 2018 from our Byrider location on ************** in ***********, *************. Mr. ******** defaulted on his retail contract, and his vehicle was subsequently repossessed on January 10, 2020. The vehicle was sold at auction, and the proceeds were applied to the account, leaving a deficiency balance owed of $10,085.72. The account was charged off on May 28, 2020 and sold to **************************** on October 2, 2024. For any further questions regarding this account, Mr. ******** should contact ************************ at **************.
Initial Complaint
Date:04/30/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I purchased a 2014 ***** Cruze from jd Byrider in *******************, cnac was the financial company. The car has depreciated in value so much since I purchased it from them. On 4-14 it was involved in the hail storm wv got. A catastrophe!! I filed the claim with my insurance and they deemed it a total loss. They are only saying the car is worth 6100$ and that leaves me oweing 2100$ or so. I tried to call and negotiate this with them and the lady was so rude and not willing to even hear me out! They have gotten a total of 19,000$ some dollars out of me for this car!!! How can they not negotiate with me, instead of just threatening to report to the credit bureau! Its insane !
Customer Answer
Date: 05/02/2025
Just an update, after the insurance check, they are saying I still owe 2800$!!! Although they told me that would be interest free so the number is not adding up to what my app says, and they say the app is correct. So none of it is making any sense. I went ahead and made my biweekly payment today, to avoid them putting negative stuff on my credit report. But they told me IF I WOULD PURCHASE WITH THEM AGAIN, they would negotiate and thats the only way! Its ridiculous! They will have gotten over 20,000$ for a vehicle that is worth 6000$!!!! I need help plz!
Business Response
Date: 05/07/2025
In the case of Ms. **** *******, complaint number ********, we have investigated the matter with the full cooperation of the franchise-owned Byrider.
Ms. ******* purchased a 2014 Chevrolet Cruze on March 25, 2023 from our franchised-owned Byrider on *************************************, **. She also purchased the optional 36-month, ****** mile vehicle service contract, whichever occurs first.
On April 30th, CNAC was informed that Ms. ********* vehicle was declared a total loss by her insurance company due to hail damage. An insurance claim was processed through ************** and a check in the amount of $6,149.80 will be applied to Ms. ******** account. Ms. ******* has agreed to a payment plan with **** for the remaining balance after the insurance proceeds are applied. Furthermore, **** has lowered the annual percentage rate to 0%, so Ms. ******* will not accumulate any interest on the remaining amount.
Per Ms. ******** request, sales is contacting her regarding a potential vehicle repurchase, although she indicated she is currently undecided.
Byrider strives to achieve the satisfaction of every customer. We apologize for any inconvenience and value Mr. ******* as a customer. We look forward to our continued relationship

Customer Answer
Date: 05/09/2025
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

**** *******
Initial Complaint
Date:04/09/2025
Type:Product Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I got a car through jdbyrider/cnac in June 2023. A month later my car engine blew and it took them weeks to pick the car up and fix it. After they fixed it they ***oed the car in feb 2024. I obtained the car back in April of 2024 and started to have electrical issues. My windows rolled down when they wanted to, back drivers side window was stuck in the down position. All JdByrider locations in ****** are permanently closed so I called CNAC to see what needs to happen because my car was still under warranty. I was told to call jdbyrider. I explained to them that the building was closed and I needed my windows fixed asap due to my son who was 2 at the time and I had a daughter on the way who was born *********. The *** told me she would have the shop call me and Ive heard nothing back. My warranty expires in the process of trying to figure out how Im going to get my windows fixed and when. While I was in the hospital during Labor I had a **** *** name ******* ***** call me from her PERSONAL phone asking me questions even though I told her now is not a good time because I am in labor. Fast forward to 2025 and they ***oed the car again because I had stopped making payments ALTHOUGH I have an email asking how do I go about the **** because I am active military and received no response. Another *** named ******** ****** took over emailing me and I explained to her that my warranty was not upheld and I have to spend money out of my pocket to fix my car because I was losing jobs due to the electrical problem causing my car to randomly not start and also because the entire inside of my car would freeze due to the window being stuck down and nothing i put over the window worked.When they ***oed the car I asked ******** ****** to email me all information about getting the car back for my references and she told me that she could not do that and I havent heard from them at all. I dont even know whats going on with my car.
Business Response
Date: 04/23/2025
In the case of Ms. *** ********, complaint number ********, we have investigated the matter with the full cooperation of the company-owned Byrider. Ms. ***** filed a complaint regarding the repossession of her vehicle.
Ms. ***** purchased a 2015 Chrysler 200 on June 3, 2023 from the Byrider dealership on ******************* in ******, ****. She also purchased the optional 30 month/30,000 vehicle service contract, whichever comes first.
Ms. ******* vehicle received an engine replacement in August 2023. In April 2024, she contacted Byrider's service department about a window issue. Byrider offered to schedule an appointment, but Ms. ***** declined and stated she would take her vehicle to a third-party shop. Byrider service has not had any contact with Ms. ***** since.
Ms. ******* vehicle was initially repossessed on February 28, 2024 due to a default on her retail contract. She was able to reclaim the vehicle on April 18, 2024. However, Ms. ***** defaulted on her contract again, resulting in a second repossession on March 7, 2025. All required forms and letters were sent to Ms. ****** address on file. The vehicle was sold at auction, the proceeds were applied to the account, and a deficiency balance of $13,383.79 remained.
Additionally, **** has written policies and procedures in place to ensure every repossession complies with federal and state regulations. This includes providing the debtor with a written explanation of their rights and responsibilities after the repossession.
Upon receipt of this complaint, **** launched an investigation and found that all policies and procedures were followed, including verifying that Ms. ***** was not on active duty prior to repossession.
At ****, our goal is to provide the highest level of satisfaction to every customer. While we understand Ms. ****** situation, she did default on her retail contract. As a data furnisher, CNAC is required by the Fair Credit Reporting Act to provide accurate credit reporting. Therefore, **** cannot honor Ms. ****** request to remove the information from their credit report.

Customer Answer
Date: 04/24/2025
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

They should have a recorded call where the last thing I was told by their *** was that they would have the service department call me because I could not get through. I told the *** I could NOT drive two hours away to have my car fixed in ********* because I was too close to my due date at the time. I mentioned going to a third party shop when she said my only option was **** because the locations they have here are closed permanently. After more discussion the *** said I will have the shop contact you. I also provided emails and dates of me talking about my car again later that year. So for them to say I never communicated with them again is false.

Regards,

***** *****
Customer Answer
Date: 04/24/2025
This is also an email of me asking ***** ***** how do I go about the **** law when it comes to the contract and I received no response and that is when ******** ****** started taking over the conversation. I also stated my issues with ***** ***** and she stopped responding and I am also attaching where as soon as ******** ****** decided to takeover the conversation I explained to her the issues as well. Ive also spoken with ******* ******* as well and she even took several days to respond as she was on a birthday vacation everything is attached
Initial Complaint
Date:03/22/2025
Type:Sales and Advertising Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Purchase Date of vehicle : 2/23/2024 Selling Miles on vehicle : ******* Warranty is for 30 months or ****** miles, whichever comes first and you have a $75.00 deductible fee for anything that is under the warranty. The vehicles transmission failed on or around 4-17-2024, attached are the times that my vehicle has been serviced since financing the vehicle on 2/23/24. *************** history on transmission:Begin Date : 4-19-2024 to End Date : 5-10-2024, Repair work : Transmission Replaced Begin Date : 6/20/2024 to End Date: 6/27/2024, Repair work :Transmission ***************** Sensor Begin Date : 3/11/2025 to End Date: Vehicle currently at Franchise Byrider in ******, ** , The transmission has failed for the 3rd time in a year. They are still requesting me to make the bi weekly car payment in the amount of ******. I have no transportation and I spend over $500 as of todays date. I am a mother of 2 and pay rental payments of 1276 a month. I need assistance.
Business Response
Date: 03/27/2025
In the case of Ms. ********** ****, complaint number ********, we have investigated this matter with the full cooperation of the company-owned Byrider. Ms. **** is upset with repeated transmission issues.
Ms. **** purchased a 2013 ****** Pathfinder on February 23, 2024 from our Byrider location on *************************** in ******, **. She also purchased the optional 30 month/30,000 mile vehicle service contract, whichever comes first.
Ms. **** had her vehicle's transmission replaced twice at our service department, first on April 19, 2024, and again on June 20, 2024, when an oxygen sensor was also replaced. The vehicle was brought back to our service department on March 11, 2025, due to continued transmission problems. The warranty claim we originally filed with *** declined. As a result, we are now working with Advance to obtain a replacement. The order for the replacement was confirmed on March 24, 2025.
We sincerely apologize for the delay in completing the repairs and actively monitoring the situation. As a gesture of goodwill, Byrider is offering Ms. **** $50 reimbursement for up to 21 days of rental car expenses. This offer exceeds the maximum reimbursement of $25.95 per day for up to 5 days stipulated in her vehicle service contract. Ms. **** will need to submit her receipts for reimbursement.
Ms. **** signed a Retail Installment Contract securing her purchase. Therefore, we cannot release her from her financial obligations. Byrider stands behind the vehicle service contract and will continue to honor eligible repairs. Byrider strives to achieve the satisfaction of every customer. We value Ms. **** as a customer and look forward to our continued relationship.

Customer Answer
Date: 03/28/2025
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

I am soon facing eviction because I am paying for Lyfts and Ubers to work plus having to keep up with the payments on the vehicle. I dont have to put a down payment of $300 dollars to as a security deposit plus roughly $500 for a week with a rental car. So that does not help me to be reimbursed for a rental car. The issue with my vehicle is not going to be resolved and I will then be out of the vehicle in a few months once the transmission is complete. On top of that I was quoted for a repair of 800-1000 dollars to replace all the catalytic converters in the car, muffler, passenger window motor brakes, rotors and calipers for the vehicle. My car cannot run without the catalytic converters so now Ill be out 800-1000 dollars once the transmission has been replaced. I have no faith in Byrider to correct the issues. That $50 dollars a day for rental reimbursement does not assist with my financial burdens and does not remedy the situation at all. That would still require me to pay upfront for the vehicle, plus my payments on the car while they have it, which seems is going to be for atleast another 3 weeks when they have already had two full weeks. That is still putting me in a bind and possibly putting me in a position to lose my home because I cannot keep with with paying for transportation to and from work, paying for the car loan and my bills at home. I feel taken advantage of and this is another prime example of that. I decline the offer and request a re evaluation before seeking legal counsel.

Regards,

********** ****

Business Response
Date: 03/31/2025
Byrider is willing to offer assistance with Lyft and **** reimbursements of $40 per day starting from March 14, upon submission of receipts. Our records show that Ms. ****** vehicle needs a new transmission, battery, and negative cable, but there is no indication of a catalytic converter replacement.
Additionally, Ms. **** was offered a mechanical extension to help keep her account current while her vehicle is being repaired. While this extension will not bring her account current, it will help her maintain it. Ms. ***** account currently shows that she is only one payment behind, despite not having made a payment since February 21, 2025. This is because her due date has been extended. Depending on the repair status at that time, a second mechanical extension could be considered on her next due date.
Byrider has made good faith efforts to assist Ms. **** and apologizes for any inconvenience; however, as Ms. **** signed a Retail Installment contract securing her purchase, we cannot release her from her financial obligations.

Customer Answer
Date: 04/01/2025
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]
I will accept reimbursement for the Lyft and **** rides, but I am still requesting to be let out of my contract. There is clearly a fundamental flaw with the transmission that is not being addressed and Im expected to allow the same individuals to work on the same issue for the 3rd time? Clearly the job is not being done, or they are putting a Bandaid on the issue and wiping codes so the same issue persists. I have no faith my vehicles transmission has been remanufactured the 2 times before. I was not given the courtesy of a mechanical extension or reimbursement the first two times I had the issue and was told I should ask family for money to make my payments when I asked for an extension the first time. You are stating the catalytic converters do not need replaced but how would they know that they do or do not when they are doing diagnostic test on my transmission? I already have my catalytic converters on back order and it shows the codes on a diagnostic test if performed correctly. The amount of money I have spent on Lyfts, ****s and rentals has surpassed the amount of the vehicle the three times Byrider had my car. I believe I was preyed on because my credit was not the best at the time and i was well into my second trimester of pregnancy. This issue has taken a toll on me mentally and financially. This vehicle has been nothing but a burden since leaving the lot. I feel since I am an African American woman they want to do everything to keep me in my contract rather than addressing the real issue with the transmission or remedying the situation with more than reimbursement. I have contacted the attorney general and I am in numerous ******** groups that expose Byrider through America who have similar issues with their transmissions,catalytic converters mufflers and more. This goes to further show CNAC and Byrider prey on individuals with low credit scores or **********, then lock them into car loans upwards of ****** dollars on vehicles that are worth less than $2000 dollars in hopes the faulty vehicle causes them to default due to non payment or repossession. I went into this contract thinking I had a reliable vehicle, I test drove the car for 30 minutes and had a diagnostic test done and no codes generated during that time. Two days later the check engine light came on and a few days after that the vehicle began having major issues. I believe they are wiping codes long enough to get the car off the lot before those codes begin regenerating. We have yet to address the issue of the transmission not being replaced or not being properly serviced and we keep speaking on the contract I signed, well I have attached a few articles about implied warranties, failure of the service department and failure of the sales department to sell me a car free of major defaults. Again, I am asking to be released from my contract. I would like to spread the word about how Ive been mishandled during this process and I will continue to seek justice on my behalf. There have been times I had to choose between missing a car payment or miss putting a meal on the table or choosing between transportation to work or paying CNAC so they dont take the car and negatively affect my credit score. I cannot continue to put myself through this much stress over a car that is not worth more than $1500 dollars. I need help spreading the word and getting out of my contract. The three times my transmission have failed has been with my child or children in the car, away from home on busy streets or a highway. I am afraid to even drive the car because I assume its going malfunction while having my children in the car again. This vehicle is not safe and I refuse to drive it again. My childrens safety comes first, and a transmission failing while driving is dangerous and unacceptable, especially 3 times. The truck is not reliable or dependable, I do not believe the service department is competent enough to do their job correctly, and I have yet to get a call from the service department detailing what is happening with my car. I have had to call and get little to no information, but miraculously CNAC has all the answers, I do not believe my vehicle is being serviced, or the transmission is not being replaced or they are being negligent and not doing their jobs. I would like to be released from my contract.

Having your transmission fail three times in one year, even after servicing, suggests a recurring issue that needs investigation. It could be due to incomplete repairs, contamination, overheating, or a fundamental design flaw , requiring a thorough inspection by a mechanic to pinpoint the root cause and ensure proper repairs.

Implied Warranty of Merchantability:
This warranty guarantees that the vehicle is fit for its ordinary purpose and of fair average quality, meaning it should be reasonably suitable for use as a vehicle.

As far as the transmission failing 3 times in one year

Warranty and Breach of Contract:
When you purchase a car, there's an implied or explicit warranty that the vehicle will be free from defects and will function as expected. If the transmission repeatedly fails despite repairs, it could be argued that the dealership breached the warranty, which is a type of contract.

Performance of Duties:
The dealership had a duty to deliver a vehicle that functioned as expected, free from defects, or to honor any warranties.

Failure to Perform:
The dealership failed to perform its duties by providing a vehicle with a faulty transmission that repeatedly failed despite repairs.

Regards,

********** ****

Business Response
Date: 04/01/2025
We regret Ms. ***** unsatisfactory experience with Byrider, and we empathize with her frustrations. However, we stand by our previous response. Byrider has made good faith efforts to assist Ms. **** and cannot release her from her financial obligations.
Customer Answer
Date: 04/01/2025
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]
Again, there has been no response on what is going to be different with the third attempt of fixing my transmission. I have yet to get a call from the service department detailing what is happening or what they plan to do different this time around. I do not understand nor do I accept being forced to stay in a contract with a vehicle that is not functioning properly. They have not even offered trading in the car for something different, at this time I will be seeking legal counsel or allowing myself to default for non payment since I cannot keep up with the payments and transportation to and from work to provide for my family. This is not a good faith effort on ***** behalf. I will be contacting the ****** manufacturer to discuss my dissatisfaction and voicing my concerns to any news outlet, ******** group, ******* account and whomever else since we cannot come to an agreed upon decision. Im waiting on a response from the *************************
Regards,

********** ****
Initial Complaint
Date:03/01/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Anytime they try to contact us, they are rude. They tend to over talk while also talking down to you. We were late on our last payment but they would call every 2-4 hours everyday while using a different number each time. We don't want any contact via phone, if **** needs to get a hold of us, they need to do it via email. The phone calls need to stop or we will change our numbers, email is a valid way of contact. We don't appreciate being harassed by staff on the phone or them contacting us with a different number each time they call to get a hold of us. Their behavior is unprofessional and unethical, it has to stop.
Business Response
Date: 03/05/2025
In the case of Mr. ***** ******* Complaint Number: ********* we have investigated this matter with the full cooperation of the company-owned CNAC. Mr. ****** is dissatisfied by the frequency at which he is contacted regarding his account.

Mr. ***** and Mr. ******* purchased a 2016 Chevrolet Trax on February 24, 2024 from the franchise-owned Byrider location on *************** in *********** ********* The vehicle is covered by a 30-month, ****** mile service contract, whichever occurs first.

Mr. Parishs account was past due, and CNAC was trying to make contact with him to follow up on the account. The account is now current.

CNAC has written policies and procedures in place that govern the collection process and ensure adherence to all federal, state, and local regulations.

Mr. ******** contact preferences were changed to email-only communication after we received this complaint.

At CNAC, we strive to achieve the highest level of satisfaction with every customer. We apologize for any inconvenience CNACs contact frequency caused Mr. ******* and we value him as a customer. We look forward to our continued relationship.
Initial Complaint
Date:01/31/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Better Business Bureau (BBB) Complaint Complainant:******* ****** *************************************** Company Name:CNAC P.O. ************************** Complaint Summary:**** is fraudulently reporting a charged-off debt on my credit report despite admitting the account was sold to **************** They no longer own this debt but continue to misreport it, violating FCRA 1681s-2(a).I have repeatedly requested documentation proving their right to report this debt, including a chain of title, purchase agreements, and transfer records, but **** has refused to provide any proof. Additionally, they have deliberately refused to accept certified mail, preventing me from disputing their false reporting.Furthermore, **** has failed to issue an IRS 1099-C form, which is required when a debt is canceled or transferred. Their failure to comply raises serious concerns about their business ethics and legal compliance.Resolution Requested:1.Immediate removal of this account from my credit report as **** no longer owns the debt.2.Full documentation proving CNACs legal right to report this *********** formal acknowledgment of their refusal to accept consumer disputes and corrective action to process certified mail.4.Issuance of the legally required IRS 1099-C form.If CNAC does not comply within 15 days, I will escalate this complaint to the ************************************ (****) and ************************ (***).Sincerely,******* ******
Business Response
Date: 02/04/2025
In the case of Ms. ******* ******, complaint number ********, we have investigated this matter with the full cooperation of the franchise-owned ****. Ms. ******* is disputing the accuracy of the reporting of her **** account to the credit bureaus.
Ms. ****** purchased a 2008 Chevrolet Impala on August 15, 2018 from our Byrider location on 27th St. in *********, ***
Ms. ****** defaulted on her retail installment contract, and subsequently her vehicle was repossessed on March 11, 2020. The vehicle was sold at auction, and the proceeds were applied to the account, leaving a deficiency balance owed on the account of $9,525.11. All required forms and letters were sent to Ms. ******** address on file. The account was charged off on May 29, 2020 and sold to *************** on June 16, 2022. Since Ms. ****** is still responsible for the balance of the account, a ***** would not be applicable. A ***** would only apply if there was a cancellation of debt. Ms. ****** should contact *************** ************ CAR Contract Servicing ************ for any further questions.
As a data furnisher, CNAC is required by the Fair Credit Reporting Act to provide accurate credit reporting; therefore, Ms. ****** account will continue to report to the credit bureau as a zero balance account sold to another lender. We have already provided Ms. ****** a copy of her Retail Installment Contract and payment ledger on one of her previous complaints with the CFPB.
In regards to the certified letter, CNAC closed that P.O. Box over a year ago. All mail should have been forwarded as we have registered the location site address with the state. We apologize for the confusion. ************* would like to correspond with the location, the correct address is *************************************************
Initial Complaint
Date:01/14/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I was sold a car there was a lemon I had the car for like 2 months the car broke down I told them to come and get the car what's parked in my neighbor's driveway so I told them to come and get it they never picked it up so my neighbor called a tow truck to have it removed and so they charge the finance company the amount the amount that was old and a finance company never paid them and they threw a lien on the car and he never paid it so the finance company gave them a title to the car and now they put a $13,000 that on my credit report I'm just trying to get my money back in the debt removed from my credit report
Business Response
Date: 01/16/2025
In the case of Mr. ******* ******, complaint number ********, we have investigated this matter with the full cooperation of the company-owned Byrider.
Mr. ****** purchased a 2010 Dodge Journey on December 13, 2019 from our company owned dealership on **************** in ************, IN.
Upon receiving the complaint, **** conducted a thorough investigation of the tradeline and concluded that it was being reported accurately. As a data furnisher, CNAC is required by the Fair Credit Reporting Act to provide accurate credit reporting.
Mr. ****** defaulted on his retail installment contract resulting in his **** account being charged off on November 30, 2020. The collateral was not recovered and Mr. ****** is still responsible for the deficiency balance owed on the account of $11,275.05. The servicing of the account is being handled by Credit Max. Mr. ****** should contact Credit Max at ************** for questions or concerns regarding his account.

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.

Cookies on BBB.org

Complaints

Customer Complaints Summary

If you've experienced an issue

Filter and sort by

Sort by

Complaint status

Complaint type

Complaint statuses

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Customer Answer

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Customer Answer

Complaint statuses

Business Response

Customer Answer

Business Response

Customer Answer

Business Response

Customer Answer

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

CNAC, CarNow Acceptance Company is NOT a BBB Accredited Business.