Complaints

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

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  CNAC, CarNow Acceptance Company

  12802 Hamilton Crossing Boulevard Carmel, IN 46032

• 

  CNAC, CarNow Acceptance Company

  9797 Colerain Avenue Cincinnati, OH 45251

• 

  CNAC, CarNow Acceptance Company

  15200 Lorain Ave Cleveland, OH 44111

• 

  CNAC, CarNow Acceptance Company

  5250 Brookpark Rd Parma, OH 44134

• 

  CNAC, CarNow Acceptance Company

  90 Broadway Ave Bedford, OH 44146

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:06/21/2023

  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.

  My vehicle was repossessed by cnac I repaid past due and repo fee. ****** was owed for the current payment. I needed 2 extra business days for the 193. Cnac refused to give me the 2 days even though the car had been taken to auction and the title reassigned to them. They told me I could not have my car back after I had just given them *******.

  Business Response

  Date: 06/27/2023

  In the case of ***************************, Complaint Number: ********, we have investigated this matter with the full cooperation of CNAC. ****************** is aggrieved at the handling of the reclaim process of his repossessed vehicle.
  

  ****************** purchased a 2009 Acura TL on July 8, 2020 from the Byrider location on **********************************************************************. The vehicle is covered by a 48-month, ****** mile service contract, whichever occurs first.
  

  ****************** defaulted on his retail contract twice, and his vehicle was subsequently repossessed on 12/30/21 and 5/15/23. ****************** reclaimed his vehicle both times on 1/10/22 and most recently on 6/22/23 after all the required payments by CNAC. Additionally, CNAC has written policies and procedures that govern the repossession process to ensure that every repossession adheres to federal and state regulations.
  

  At CNAC we strive for the highest level of satisfaction for every customer. While we sympathize with Mr. ******** predicament, he did default on his retail contract.

  
  

• Initial Complaint

  Date:06/05/2023

  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.

  I purchased a vehicle from jd byrider in **********, **. Their financing company is ****. I missed 2 biweekly payments due to a financial hardship. This company does not have a grace ****** on missed payments. I received a letter in the mail giving me a right to cure date. They sent a tow truck to repossess my vehicle 3 days before the final date on the letter. The tow truck driver backed into my driveway and tried to rush off with the car and because it had a spare tire on it, the car fell off the tow truck and bounced off the ground twice. I'm sure this caused internal damage. By law if a right to cure letter is mailed they can not legally tow the vehicle. I tried calling the greenville cnac office and was told that I need to sign a voluntary repossession paper however this was not a voluntary repossession. I would like the car loan to be removed from my credit at this point because of the tow truck drivers negligence and because they had my car towed prior to the final date for payment on the letter.

  Business Response

  Date: 06/09/2023

  In the case of *********************, Complaint Number: ********, we have investigated this matter with the full cooperation of the franchise-owned CNAC.  **************** is aggrieved at the handling of the repossession of the vehicle.   
  
  ********************* purchased a 2008 **** Fusion on March 8, 2022 from the franchise-owned Byrider location on ************ in **********, **************.  The vehicle is covered by a 36-month, ****** mile service contract, whichever occurs first.  Ms. ******* purchase is secured by a Retail Contract.
  
  CNAC has written policies and procedures that govern the repossession process to ensure that every repossession adheres to federal and state regulations.  **************** defaulted on her retail contract. CNAC sent the required documentation regarding the payment default; however, CNAC was notified that Ms. ******* contractually required insurance had expired. ******************** vehicle was uninsured for over 30 days. This information was verified directly with the insurance company who provided written documentation regarding the cancellation.  CNAC had previously made multiple attempts to contact ****************, including but not limited to: contact by phone, regular/certified mail and Ms. ******* authorized third party contact. **************** did not respond to the multiple attempts to speak with her account representative to resolve the defaults. 
  
  Due to the lack of communication, CNAC determined it was necessary to secure the vehicle due to jeopardy, as per the contractual agreement.  The letter **************** refers to, provides the opportunity to cure the payment default. Her vehicle was subsequently repossessed due to the lack of collateral insurance as contractually required.   All the necessary repossession forms and letters were sent to the address on file for ***************** 
  
  At CNAC we strive for the highest level of satisfaction for every customer.  While we sympathize with her predicament, she did default on their retail contract. We have attempted again to reach out to **************** regarding her concern although her phone remains disconnected. We encourage her to contact our office for mutually acceptable arrangements. 
  
  

• Initial Complaint

  Date:05/10/2023

  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 paid off my car in 2016. Here it is 2023 and I cant get a duplicate title because the title still has a lien on it from CNAC. They are a scam. Dont ever do business with them. I have made multiple attempts to get a lien release from them and they havent sent anything over. How do you take my money but then dont want to release the title to my vehicle to me. Thats crazy how this scamming company can get away with doing consumers wrong and not releasing vehicles title to them after I had a 100% on time payment history and paid my car off completely.

  Business Response

  Date: 05/12/2023

  In the case of Ms. ****** *****, Complaint Number: ********, we have investigated this matter with the full cooperation of the company-owned CNAC.  Ms. ****** complained to your office that she is unable to get a duplicate title.  
  ************* purchased a 2010 ***** Impala on March 28, 2015 from our Byrider location on ************ in *******, **.  ************** paid off her vehicle on July 29, 2019 and was sent a title with a lien released.  ************** contacted our office on May 9, 2023 stating she had misplaced the title.  A lien release was faxed to the number ************* provided on May 10, 2023. 
  At Byrider we strive for the satisfaction of every customer.  We apologize for any inconvenience the delay in the title has caused, and we value ************** as a customer. We look forward to our continued relationship.
  
  

• Initial Complaint

  Date:05/07/2023

  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 got a car from byrider and wasnt a payment behind but because I didnt make my payment on the day it was due they came and got my car and said I couldnt have it back unless I paid it off. The finance company is so horrible to deal with the tow company for them told me that CNAC dies this all the time to show whos boss

  Business Response

  Date: 05/11/2023

  In the case of ***********************, Complaint Number: ********, we have investigated this matter with the full cooperation of the franchise-owned CNAC. ****************** is aggrieved at the handling of the repossession of the vehicle.   
  *********************** purchased a 2013 Dodge Avenger on February 23, 2023  from the franchise-owned Byrider location on ***************** in *******, ********.  The purchase also included a 36-month, ****** mile service contract, whichever occurs first. 
  ****************** purchase was secured by a retail contract. ****************** defaulted on her retail contract. CNAC attempted to work with *****************; however, those attempts failed and CNAC made the difficult decision to repossess the vehicle. 
  CNAC has written policies and procedures that govern the repossession process to ensure that every repossession adheres to federal and state regulations.  All the necessary forms and letters were sent to the address on file for ******************. ****************** has been released from her contractual obligation. We wish her the best in her future endeavors. 
  

  Customer Answer

  Date: 05/11/2023

  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. 
  
  [******** details of why you are not satisfied with this resolution.]
  I never received any letters or anything from CNAC and as far as the contract I went through it last night and it says I have 10 days late with 15 dollars added to my payment. You cant have it both ways . I think its time I seen a lawyer. I wasnt notified that my car was being repossessed or anything was going on.
  Regards,
  
  ***********************
  

  Business Response

  Date: 05/22/2023

  We stand behind our original response. ***************** defaulted on her retail contract.  CNAC has written policies and procedures that govern the servicing and collection of accounts. CNAC attempted to contact ****************** to cure the delinquency prior to the  repossession; however,  their attempts to contact went unanswered and the vehicle was repossessed by a licensed vendor on April 15, 2023.  Account records show on April 17, ****************** was also given the optional right to cure the delinquency and redeem the vehicle. She did not exercise this option.
  At CNAC we strive for the highest level of satisfaction for every customer.  While we sympathize with ********************** predicament, She did default on her retail contract. 
  

• Initial Complaint

  Date:05/01/2023

  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 file a complaint regarding a double charge on my recent car payment. On 4/29/23, I made a payment of ****** for my jeep patriot car through JD BYRIDER financial company CNAC. However, I noticed that my account was charged again for ****** on 5/1/23. When Im only contracted to be charged ****** every two weeks. This was a two day difference. I immediately contacted customer service department and spoke to representativeto report the issue on 4/29/23 as I saw the ****** pending. I request a refund/stop payment. The reassured me that the issue would be resolved promptly. However, it has not been resolved since I reported the issue, and I have not received a refund.

  Business Response

  Date: 05/09/2023

  In the case of ***********************, Complaint Number: ********, we have investigated this matter with the full cooperation of the franchise-owned CNAC.  **************** is aggrieved due to a duplicate payment processed on her account.  
  **************** purchased a 2008 Jeep Patriot on April 19, 2019 from the franchise-owned Byrider location on ********************** in ***************, *******.  
  Due to a systems error, **************** was processed twice in error. We have spoken with **************** and issued a refund.
  At CNAC we strive for the highest level of satisfaction for every customer.  We apologize for any inconvenience this matter caused ****************, and we value her as a customer.
  
  
  

• Initial Complaint

  Date:04/07/2023

  Type:Order 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 finished paying off my loan with these jackals on March 31st, 2023. The entire transaction was a nightmare. From the first day off the lot (serpentine belt broke, car DOA until a repair could be made) until the last day of our business relationship( After paying the "payoff amount online, it suddenly showed another $2 and change I "owed". Jackals.) this company has been a nightmare to deal with. Constantly getting reminders of late payments, that are not in fact, late. Except the one time it WAS late, because they had misplaced a payment of mine. Thankfully, it's over. Or so I thought. Now they tell me they have THIRTY TO FORTY-FIVE BUSINESS DAYS to send me the title. Mind you, this company will call, text, and email multiple times a day on your due date demanding their money, but when you finish dealing with these usurious vultures, they go on break. This place is a predatory joke. They sell defective cars for outlandish interest rates to vulnerable people with no other choice. The motto of this company should be "CNAC- "Cause what are YOU gonna do about it?"I want my title. I want to sell this nightmare and forget about it. And I want to sell it in April, not July.

  Business Response

  Date: 04/12/2023

  In the case of Mr. ************************** Complaint Number: ********, we have investigated this matter with the full cooperation of the company-owned CNAC.  **************** is dissatisfied because he has not received the title for the vehicle yet.  
  **************** purchased a 2009 **** Fusion on July 9, 2018 from our Byrider location on *************************** in ******, ****.  **************** paid off his vehicle on March 31, 2023. Typically our turnaround time for a paid off title is **** days.  Mr. ******* title was sent via mail on April 10, 2023.
  At Byrider we strive for the satisfaction of every customer.  We apologize for any inconvenience the delay in the title has caused, and we value **************** as a customer. We look forward to our continued relationship.
  
  

  Customer Answer

  Date: 04/12/2023

  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. This business could use a severe reworking of their practices, from customer service up.
  
  
  

  Regards,

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

  Customer Answer

  Date: 04/17/2023

  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 filed an INITIAL complaint last week, which read: "I finished paying off my loan with these jackals on March 31st, 2023. The entire transaction was a nightmare. From the first day off the lot (serpentine belt broke, car DOA until a repair could be made) until the last day of our business relationship( After paying the "payoff amount online, it suddenly showed another $2 and change I "owed". Jackals.) this company has been a nightmare to deal with. Constantly getting reminders of late payments, that are not in fact, late. Except the one time it WAS late, because they had misplaced a payment of mine. Thankfully, it's over. Or so I thought. Now they tell me they have THIRTY TO FORTY-FIVE BUSINESS DAYS to send me the title. Mind you, this company will call, text, and email multiple times a day on your due date demanding their money, but when you finish dealing with these usurious vultures, they go on break. This place is a predatory joke. They sell defective cars for outlandish interest rates to vulnerable people with no other choice. The motto of this company should be "CNAC- "Cause what are YOU gonna do about it?" I want my title. I want to sell this nightmare and forget about it. And I want to sell it in April, not July. " This company responded with blah blah blah, we sent the title on the 10th. The title has STILL not arrived, so I assume these people just flat out lied to me on the first complaint. There is NO WAY a single mail piece takes 6 days to travel from ******* to ***********. This is indicative of the issues of CNAC. This business really needs to be shuttered.
  
  Regards,
  
  *************************

  
  

  Business Response

  Date: 04/28/2023

  We are surprised to hear that **************** has not received the title that was mailed on April 1, 2023.  Our document control department has overnighted (via ***** Tracking # ************) **************** a lien release letter that he can take to his local ********** of ***** Vehicles (DMV) and apply for a duplicate title.  The Fed Ex package will be delivered today April 28, 2023.
  

  We apologize for any inconvenience this may have caused **************** and we wish him the best in all future endeavors.
  

  
  

• Initial Complaint

  Date:04/07/2023

  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 2020 I bought a car from JDB and through CNAC. up until about a year ago I had never missed a payment never not once. I started missing a couple and paying a little less than what was due because I was in between jobs. Once back on my feet I called and asked to make a couple payments. They said no. They refused payment unless I paid the full amount due. I couldnt afford that at the time. So my car went into repossession mode. Now, I gave them my address multiple times. Offered to bring it to them after work. And surrender it. They never came and got it. They called all my references saying I was dodging them even though I was in constant contact. Now come to find out they have been reporting on my credit for the last 3 months that we have missed our payments and refused to make a payment. When Im reality they would not let us make a payment. They said no every time we called or asked. How is this ok? They refused payment from me but reported to my credit that we were missing payments on purpose.

  Business Response

  Date: 04/10/2023

  We would be glad to discuss these actions and assist in making it right. Please reach out to *********************;@ ************.

  Customer Answer

  Date: 04/10/2023

  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. 
  
  I tried contacting them multiple times. No answer. 
  
  Regards,
  
  ***************************
  

  Business Response

  Date: 04/11/2023

  Although you feel that you have not been able to reach a resolution at the store level, **** will be waiting to assist at  ************. *********************** handles all consumer complaints and will gladly discuss your account and a solution. We have been expecting a call to resolve this issue for ****************** but have not heard from her as of yet.

• Initial Complaint

  Date:03/29/2023

  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 took out a loan with CNAC around march 2021 I have since paid my car note and insurance as of today everything is up to date (all payments are made* On march 9th about 10:00pm I slid into a ditch and hit a sign, the car was running hot and unable to be moved * I was about 3 days past due for my car note and knew I needed it fixed so I called CNAC AND SPOKE WITH A ************************ He was a little confrontational and asked me why was the car gps showing a distance from where I live * I stated to him about the accident and informed them that the car was in fact running hot and was not able to be moved* I was in the process of getting triple aaa services set up for my vehicle to get it towed to my house or a car lot and triple aaa informed me that even though I already paid it took a 1 day cycle for benefits to start * *********************** them stated that they could have the recovery team tow the car to the jd byrider in Madison * I agreed to that * 3 days went back and I called CNAC to be advised about what was going on and to return the claims paper* I was then informed that the car was never told and ****** stated that I was lying when I repeated that he said a recovery team would get the car despite the fact all calls are recorded * So I called triple aaa to them upgrade to the PLUS benefits which allowed 100 mi of free tow * After I paid the the difference in the benefits with triple aaa they informed me that it would be a 3day waiting cycle for the 100 mi free tow to be redeemable and that was fine I then checked with the business whos property my car was on and they informed me that everything was fine and that they would let my car sit until I got it towed * There was no danger of the car being towed at all and I made sure * After waiting my 3 days for triple aaa I was finally able to call them and get the tow setup to have my car moved to my home * When triple aaa arrived to the business parking lot to retrieve my car they called and informed me that my car was not there * I then called CNAC AND asked them if they had towed the car and they stated yes * For safe keeping that was ridiculous because the company where my car was located had no issues with my car on their property nor did authorities leave any warning signs on the car and again my loan was up to date* They had no reason to tow my car especially after the fact of me talking to a CNAC representative and them not towing the car I was confused as to why they decided to tow the car without my knowledge * So next they tell me that they did not know why the car was not towed the first time and that they would tow it to jd byrider I agreed returned the claims form and made a $100 payment towards the deductible that ********************* said would get my car released after it was fixed and then there would be a 50 add on to my payments until the 400 was paid off* I agreed * Today is about a week later and they did not tow my car to the lot and did not inform that my car was still at this safekeeping place and that nothing has been done * They way they went about this was very shady and they had no right to tow the car in the first place * I need the car towed either to my home or the car place I was not handled professionally *

  Business Response

  Date: 03/31/2023

  n the case of *********************************, Complaint ID ********, we have investigated this matter with the full cooperation of the independently-owned CNAC.  ********************************* complained to your agency after CNAC took possession of the vehicle following an accident.   

  
  ********************************* purchased a 2008 ********** Jetta on March 3, 2021 from the franchise-owned Byrider location in *******, **.  The vehicle is covered by a 48-month, 48,000-mile service contract, whichever occurs first. 

  
  On March 7th, CNAC was notified by ********************* Company that the vehicle was involved in an accident with their policyholder. On March 14th, ************************ informed CNAC that her vehicle had slid into a ditch and she was unable to secure towing for the vehicle. CNAC started the insurance claim process, had the vehicle towed, and sent the necessary forms and letters to ************************* 

  
  On March 29th, ************************ asked CNAC to cancel the insurance claim. She stated she would have the vehicle towed to her property and take care of the damage privately. CNAC honored this request. 

  
  At CNAC we strive for the highest level of satisfaction for every customer. Additionally, CNAC has written policies and procedures that govern our processes to ensure adherence to federal and state regulations. 

  
  CNAC apologizes for any confusion or miscommunication that took place while the vehicle was wrecked and remained at the scene of the accident during that time. ************************ is a valued customer and we look forward to servicing her vehicle and account in the future. 
  

  
  

• Initial Complaint

  Date:03/27/2023

  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 got approved for a fresh start.in Feb I made my payment in March I called my payment due was o.oo they call me after March 5th saying I owe ****** I told them when I called it said 0 dollars.because I didn't talk to a live person it's not valid.she said did you ever hear of technical difficulty and then she asked what I did with my money in February really.i am on social security disability I don't think it was no one bussiness.i have always made my payment though the out of made of service.now there is a problem.they are calling 5 times a day please help

  Business Response

  Date: 03/31/2023

  In the case of ***************************, Complaint Number: ********, we have investigated this matter with the company-owned CNAC. ************** is dissatisfied with how his account is being handled.  
  

  ************** purchased a 2011 Chevrolet Malibu on June 24, 2022 from our Byrider location on Broadway Ave. in ******* ****. The vehicle is covered by a 36-month, ****** mile service contract, whichever occurs first. 
  

  Byrider and CNAC have written policies and procedures that govern our sales and underwriting processes.  The terms of the retail contract, including the payment amount, APR, payment dates and total sales price were disclosed prior to and during closing, both in writing and orally. **************** purchase is secured by a Retail Contract. 
  

  ************** was put on a Rehabilitation program in December 2022 to get his account current.  He signed paperwork committing to making two payments to bring his account current and then he would pay $424.80 on the 3th of every month until paid in full.  ************** made the two required payments so his next full payment of $424.80 was then due on February 3, 2023. On February 3, 2023 ************** made a partial payment of $100.60 and has not made any payments since that date.  As of today March 31, 2023, **************** account is 28 days delinquent.
  

  ************** claims he called the automated system and it stated there was no payment due.  The Rehabilitation program could have caused the error with the automated system understanding the next due date.  CNAC has apologized for the error and our IT department is looking into this correction. Mr. **********; was informed of his payment due date during a conversation with CNAC on March 6, and March 14, 2023.  We have been unsuccessful in our collection efforts to bring this account current again.
  

  
  

• Initial Complaint

  Date:03/27/2023

  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 have a joint account attached to my name that shouldn't be on my consumer credit report. I've requested multiple times that this information be verified with my signature and original documents since reporting inaccurate information on a consumer's credit report is illegal and considered fraud.I've also contacted ************ via mail and phone and they refuse to send the original documents bearing my signature. account number starting in ******* that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the **** and FDCPA.I would like for this illegal reporting account to be removed asap or I will file a CFPB and FTC report.

  Business Response

  Date: 03/29/2023

  In the case of *********************** (***************), Complaint Number: 19856852/19856754, we have investigated this matter with the full cooperation of the franchise-owned CNAC. **************** is disputing the accuracy of the reporting of her CNAC account to the credit bureaus and requesting proof of validity of the debt.  
  
  **************** purchased a **** ***** Malibu on September 3, 2016 from our Byrider location on ***************** in ************, *********.  

  
  Upon Receipt of this complaint, CNAC thoroughly investigated the tradeline and determined it to be reporting accurately.  

  
  **************** originally requested an investigation and validation in July, 2022. It was responded to and we provided the documents at that time. We are including a copy of her signed contract, as well as a copy of her drivers license that was provided during the sales process. 

  
  At CNAC, we strive to achieve the highest level of satisfaction with every customer.   While we sympathize with Ms. ******* predicament, CNAC is required by the Fair Credit Reporting Act, as a data furnisher, to provide accurate credit reporting. We cannot adhere to her request to have this removed from her credit report.
  

  
  

  Customer Answer

  Date: 03/31/2023

  H333735***5343531***9H:
  
  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. 
  
  
  
  A proper investigation was not done nor is this account listed on my consumer report reporting accurately. This agent (CNAC) is in violation Under the **** my consumer credit report should be reporting 100% accuracy  Cnac is in violation of  FDCPA Section 807 False misleading information & FDCPA **** furnishing deceptive forms. The account is violation of 15 U.S. Code **** false, inaccurate, whoever willingly and knowingly gives, false, inaccurate or fails to provide information which is required to disclose, or fails to comply with any requirement under the consumer credit protection title will be held to criminal liability pursuant to 15 U.S. Code **** with fines up to $5000, one year imprisonment or both. I am demanding you delete this account or I will seek litigation. Account type is false and misleading, no of month terms on my consumer credit report is false and misleading, date of last activity is inaccurately reporting on my credit report. High credit is wrong on my consumer credit report. You stated as a data furnisher its your job to provide accurate credit reporting how so? if i listed all the inaccuracies and violations that occurred . If the correction isn't done to my consumer credit report I will be notifying my consumer rights attorney, ftc, attorney general and cfpb. You have violated the law and my consumer rights .

  
  

  
  

  
  At CNAC, we strive to achieve the highest level of satisfaction with every customer.   While we sympathize with Ms. ******* predicament, CNAC is required by the Fair Credit Reporting Act, as a data furnisher, to provide accurate credit reporting. We cannot adhere to her request to have this removed from her credit report
  Regards,
  
  ***********************
  

  Business Response

  Date: 04/03/2023

  CNAC thoroughly investigated the tradeline and determined it to be reporting accurately.  We have provided the requested documentation as per Ms. ******* request. 

  
  At CNAC, we strive to achieve the highest level of satisfaction with every customer.   While we sympathize with Ms. ******* predicament, CNAC is required by the Fair Credit Reporting Act, as a data furnisher, to provide accurate credit reporting. We cannot adhere to her request to have this removed from her credit report.