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 has 6 locations, listed below.

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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:03/19/2023

  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.

  Purchased used vehicle on 1/31/2015 for the amount $12,222. After two years of being constantly harassed by financing company, unwilling to work with consumer (self) for payment arrangements and having car (taken from residence or work with personal items inside) repossessed without notice twice, I voluntarily advised finance company to keep car after third repossession without given the: Notice of Intent to Sell Property. Thus, CNAC also did not provide the: Notice of Sale OR the Deficiency Notice after selling the car. CNAC had been reporting negative comments of Repossession instead of Voluntary Possession and reporting balance remaining of $5,437 since 12/7/2017. Ive disputed the accuracy and ownership of this reporting several times with the bureau without any success of this account being removed due to the shady business practices of this company to the consumer. I am filling a complaint, because I am in the process of moving and unable to do so with harmful and false information being reported to my report causing a major hindrance to my lifestyle. I also didnt know that I was even able to file a complaint with the BBB until I googled possible recourses of having a repossession taken off your credit report. Im requesting to have this repossession taken off my credit report with all major bureaus because CNAC cannot provide proof that proper notice : Intent to Sell; was given when my car was repossessed on more than one occasion nor was I given the statement of Notice of Deficiency after my car was sold to know if a balance was actually owed from the **** and not the remaining balance of the car loan.

  Business Response

  Date: 03/24/2023

  In the case of *****************************, Complaint Number: ********, we have investigated this matter with the full cooperation of the company-owned CNAC. **************** is disputing the accuracy of the reporting of her CNAC account to the credit bureaus.  
  
  **************** purchased a 2007 *********/LX/EX on January 31, 2015 from our Byrider location on *************************** in ******, **.
  

  **************** defaulted on her retail contract, and her vehicle was subsequently repossessed on October 24, 2017. The vehicle was sold at auction, and the proceeds were applied to the account, leaving a deficiency balance owed of $5,437.91. The account was charged off on December 7, 2017.
  

  The tradelines have been investigated and are reporting the account accurately. 
  

  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: 03/24/2023

  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. 
  
  CNAC did not provide me the Deficency Notice when the car was sold at action to reflect the true amount of sale. Nor did CNAC provide proper notice of Right to Sell when car was repossessed on more than one occasion. CNAC is not being truthful with the amount of times car was taken and harassing me for payment. 
  Regards,
  
  *****************************
  

  Business Response

  Date: 03/29/2023

  We stand by our original response, **************** defaulted on her retail contract twice and her vehicle was repossessed twice. The vehicle was sold at auction, and the proceeds were applied to the account, leaving a deficiency balance owed of $5,437.91. The account was charged off on December 7, 2017. All the necessary forms and letters were sent to the address on file throughout the entire repossession process. Additionally, CNAC has written policies and procedures that govern the repossession process to ensure that every repossession adheres to federal and state regulations. The tradelines have been investigated and are reporting the account accurately. 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.

• Initial Complaint

  Date:03/08/2023

  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 financed a car through JD Byrider back in 2018. I lost my job in 2019 so gave the car back. After selling the car, I owed a balance of $13,000. They started garnishing my husband's paychecks first then myself. After looking at our paycheck stubs and balances, they are charging BOTH of us $13,000 bringing it to $26,000 total! When, after calculating everything, we should owe right over $7,000 left! I was not trying to go to the courts with this but if it is NOT solved asap, I will have no choice but to!

  Business Response

  Date: 03/09/2023

  In the case of *****************************, Complaint Number: ********, we have investigated this matter with the full cooperation of the company-owned CNAC.  **************** is questioning the total amount being garnished from buyer and co buyer's payroll.
  

  ***************************** and Mr. ******************* purchased a 2008 Chevrolet Malibu on July 20, 2018 from the company-owned Byrider on ************************* in ******, **.  **************** and ************ defaulted on their retail installment contract, and subsequently the vehicle was repossessed on October 31, 2019.  The vehicle was sold at auction, and the proceeds were 
  applied to the account, leaving a deficiency balance owed on the account. The servicing of the account is being handled by Credit ***. **************** should contact Credit *** at ************* for questions regarding the garnishment.
  

  
  

• Initial Complaint

  Date:03/07/2023

  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 have purchased a vehicle financed through **** for the first year and a half i have received email showing my balance and next payment due date then it just stopped i have contacted them about this problem 5 different times and got no response i have contacted the account manager ************************* twice have received one email showing my balance and next payment due date on Feb 8 have not received anything sence and my payment is due every two weeks all I'm asking for is them to accualy do their job and send me an email after every payment or send me a paper copy of my balance and next payment due date i would greatly appreciate your help with this problem

  Customer Answer

  Date: 03/08/2023

  I just want them to do their job and send me emails showing my balance and next payment due date

  Business Response

  Date: 03/15/2023

  In the case of Mr. ************************ Complaint number: ********, we have investigated this matter with the full cooperation of the company-owned ****.  **************** is upset that he is not receiving correspondence with each payment.
  

  We apologize that **************** is not receiving the communication with every payment as promised.  We have sent **************** his payment calendar showing when each payment is due as well as a payment ledger.  We reached out to our IT department to investigate and they found no issues that would prevent him from receiving these receipts. The outcome of the investigation was shared with **************** and we have not heard back from him.
  

  If **************** is still having an issue with receiving these receipts, we ask that he reach out to his account representative for further investigation.
  

  
  

• Initial Complaint

  Date:03/07/2023

  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 purchased a 2012 dodge avenger with CNAC Acct# ********. My vehicle was repossessed sometime on Feb 26,2023. After it was taken, I made a payment over $1000 and was told my paperwork would be sent out that afternoon (Feb 27). I called back the next day to confirm that the paperwork had been filed and was assured by a rep that it was sent out on Monday (Feb27). I called back again on Saturday (Mar 4) and spoke with a rep named ********** who told me that the paperwork had been sent out on Tuesday (Feb 28), so I requested to speak with a supervisor and was connected to the Senior Account Manager ********************* who informed me that the paperwork was sent out on Tuesday. I called back again today (Mar 6) and spoke to a Rep named ******** who informed me that the paperwork was sent out on Wednesday (Mar 1). After which I requested to speak to **************** again and informed him that I also would be recording for my own records, and he told me that the paperwork had been sent out on Wednesday. When I asked why I was being told different information I was told maybe it was because I called so many times and spoke to so many people although he was one of the 4 individuals I spoke to. I requested that **************** explain to me why I was being given misinformation in which he ignored my request and redirected multiple times saying it takes up to 7 business days. I have been without my vehicle since and now struggling to make ends meet and when I informed them that my vehicle was my source of income, they proceeded to inform me that I would also be responsible for the next payment which is scheduled the day after the up to 7 days and then added I would not be able to get my vehicle if I do not have that payment. It seems as if my car is being held up until my next payment by dragging out the process of reclaiming.

  Business Response

  Date: 03/13/2023

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

  
  ******************************* purchased a 2012 Dodge Avenger on April 10, 2021 from the company owned Byrider on US31 S in *********, *******.  
  

  ****************** defaulted on her retail contract, and her vehicle was repossessed on February 25, 2023.  CNAC has written policies and procedures that govern the repossession process to ensure that every repossession adheres to federal and state regulations.  
  

  ****************** paid her past due delinquency on February 27, 2023 and was advised that the reclaim process could take up to 7 business days. ****************** was contacted on March 7, 2023 and advised the vehicle was ready for pickup.  ****************** reclaimed her vehicle on March 7, 2023.

  
  

• Initial Complaint

  Date:03/06/2023

  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.

  The car I was sold and still currently making payments on has been a problem, nothing but breakdowns. **** sold me a lemon. The customer service experience Ive had hasnt been well even after expressing how I feel and whats going on to management nothing has been resolved, they also were supposed to pay me for a referral and I never received that either. I still owe around $10000 and still having mechanical issues on a regular basis. Im very convinced they over charged for a junk car and should be illegal.

  Business Response

  Date: 03/14/2023

  In the case of *********************************, Complaint Number: ********, we have investigated this matter with the company-owned Byrider.  ****************** is dissatisfied with the mechanical issues she has experienced with her vehicle. 
  

  ****************** purchased a 2012 Jeep Liberty on  August 14, 2020 from the company-owned Byrider on ************** in ********, **. The vehicle is covered by a 60 month, ****** mile service contract, whichever occurs first. 
  

  While we understand that dealing with any service issue may be frustrating, a pre-owned vehicle, like any other mechanical device with moving parts, will require routine maintenance and periodic repairs to ensure its continued use. ****************** has been in service 8 times since her purchase in August 2020, which is not excessive for a preowned vehicle. ****************** has put ****** miles on since purchase.
  

  Ms. ************; brought her car in for service on March 8, 2023. Byrider diagnosed the vehicle with a faulty heater hose.  It was replaced at no cost to ****************** and the vehicle was picked up on March 10, 2023.
  

  Upon receiving this complaint, we have attempted to reach out to ****************** to verify all her issues have been resolved; unfortunately, we were unable to reach her and left a message.  We apologize that ****************** did not receive her referral fee and we will process this immediately.  Turn around time for this check is usually **** business days.
  

  
  

• Initial Complaint

  Date:02/22/2023

  Type:Service or Repair 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.

  My fiance was the co-buyer on my vehicle, he passed away June 1st. 2022. I need his name off the title so I can get my car registration renewed. I went through probation court they did want need to be done on that end, but I need CNAC to fax a letter stated the car can be titled in my name only to the title department. By law the title department can't make any changes without the letter. I keep getting told someone will be me within 24 to 48 hours an never do.

  Business Response

  Date: 02/24/2023

  In the case of *****************************, Complaint Number: ********, we have investigated this matter with the company-owned Byrider.  **************** is requesting a letter to remove ****************, who is now deceased, from the title.
  **************** and **************** purchased a 2011 Jeep Compass on June 5, 2021 from the company owned store on **************************** in ********, **.   
  **************** is requesting a letter from the lienholder CNAC in order to get **************** removed from the titlework.  CNAC has spoken with **************** and requested all the details needed to provide to the state title agency.  CNAC has faxed the requested letter to the title agency today February 24, 2023 and has confirmed receipt of that letter.
  Byrider strives to achieve the satisfaction of every customer. We apologize for any inconvenience this title issue has caused, and we value  **************** as a customer.  We look forward to our continued relationship.
  
  

  Customer Answer

  Date: 02/24/2023

  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. Thank you so much the issue has been resolved after months of me trying to handle the situation.
  
  
  

  Regards,

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

• Initial Complaint

  Date:02/20/2023

  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 car has been in THEIR shop since the beginning of January for an engine replacement its about to be March . This is beyond ridiculous that Im paying for an vehicle I DONT have Im p***** off because I have kids and a job ! They dont provide their buying customers and sort of lender vehicle so Im spending out money I dont have to get back and forth on top of paying my car note ! I never missed a payment or been late Its not okay to keep peoples vehicle for months ! I never had a problem with any dealership or financing company . Im p***** off Im bout ready to go purchase another vehicle elsewhere!

  Business Response

  Date: 02/24/2023

  In the case of Ms. ************************* Complaint Number: ********, we have investigated this matter with the company-owned Byrider. ****************** is dissatisfied with the amount of time it is taking to service her vehicle.

  
  ****************** purchased a 2013 Kia ****** on April 22 , 2021 from the company-owned Byrider on Pioneer Parkway in ******, ********. The vehicle is covered by a 48 month, ****** mile service contract, whichever occurs first. 

  
  At Byrider, we work diligently to complete our repairs in a timely manner. When Ms. ******* vehicle was towed into our service department, we found it was equipped with a breathalyzer. We are unable to start the vehicle to diagnose it. We have had to call the breathalyzer company multiple times to determine how to get it unlocked, leading to an increased time in our service department. We apologize for any inconvenience this delay has caused. 

  
  Byrider strives to achieve the satisfaction of every customer, and we value ****************** as a customer. We look forward to our continued relationship.
  

  
  

  Customer Answer

  Date: 02/24/2023

  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. 
  What does my breathalyzer have to do with anything ? **** TRIED TO START MY CAR ONE TIME and told me to bring in a mouth piece that was a week after my car got dropped off ! Yall havent touched my car since ! I call once a week to get updates and ** always told yall are waiting on my engine to come . So dont try to blame my breathalyzer when yall dont even have the engine 6 weeks later to do the job ! 
  [Provide details of why you are not satisfied with this resolution.]
  
  Regards,
  
  ************************
  

  Business Response

  Date: 03/02/2023

  Upon receiving her unsatisfied response, the service manager contacted ****************** to give her an update on the ************ again, we apologize for the delay and look forward to our continued relationship.

• Initial Complaint

  Date:02/01/2023

  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.

  received a notice that I have a collection from CNAC - IN101 on my credit report. It says it was opened on 04/05/2019 for $7,273.00 with 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 collection to be removed asap or I will file a CFPB and FTC report.

  Business Response

  Date: 02/06/2023

  In the case of ***********************, Complaint Number: ********, we have investigated this matter with the full cooperation of the company-owned CNAC.  ************** is questioning the validity of her account. 

  
  ************** purchased a 2010 Pontiac Gn on April 5, 2019 from the company-owned Byrider on *************. ** ************, **.  ************** defaulted on her retail installment contract, and subsequently her vehicle was repossessed on February 14,2020.  The vehicle was sold at auction, and the proceeds were applied to the account, leaving a deficiency balance owed on the account of $7,273.91.  The account was charged off on May 27, 2020.   We have reviewed the tradeline, and it is reporting the account accurately. 

  
  ************** has disputed her account directly with the credit bureaus on several occasions and each time CNAC thoroughly investigated the tradeline and determined it to be reporting accurately.
  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.  
  
  At CNAC, we strive to achieve the highest level of satisfaction with every customer.  While we sympathize with **************** predicament, CNAC is required by the Fair Credit Reporting Act, as a data furnisher, to provide accurate credit reporting. 
  If ************** would like to receive a copy of the retail installment contract, she can contact **************.  
  

  
  

• Initial Complaint

  Date:01/31/2023

  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.

  1.I have never had an account with this company CNAC - IN101, REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code ****a (3) 3.This letter is in pursuing 15 U.S. Code ****c (c) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code ****a (3) You are CNAC - IN101 the debt collector ***************** (5) I am invoking specified remedies under use 15 U.S. code ****c (c) (2) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code ****c (c) (1) 5.I am the executor under the 15 U.S. Code ****c (d) pursing to 15 U.S. Code ****d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section: (1) (2) and (4) 6.According to 15 U.S. Code 1962e (8) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. **** U.S. Code ****e (12) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices (8)9.While pursuing to ****g (b) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. ***** U.S. Code ****k Civil Liability (a) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of (1) (2) (A) (B) (3)

  Business Response

  Date: 02/01/2023

  In the case of *******************************, Complaint Number: ********, we have investigated this matter with the full cooperation of the company-owned CNAC.  ********************* is disputing the validity of her account. 
  ********************** purchased a 2013 Chevrolet Malibu on August 18, 2017 from our Byrider location on ******************* in ******** *********.  
  On November 17, 2017, CNAC was notified that ************************ vehicle had been in an accident.  A ******************************* claim was filed.  The vehicle was evaluated and deemed a total loss by the adjusters.  ************ check was issued and applied to the account.  The damaged vehicle was sold at an auction, and the proceeds from the sale were applied to the account, leaving a deficiency balance of $5,801.09. The account was charged off on March 14, 2018.
  We have investigated and determined to be valid and reporting accurately.  ********************** has disputed the tradeline with Experian, Equifax and Transunion multiple times in the past 6 months. CNAC has investigated each dispute documenting the results and providing detailed responses to the credit reporting agencies. In addition, ********************** has disputed the tradeline directly with CNAC and the results of the investigation were once again communicated to **********************. The tradeline is reporting accurately. 
  
  
  

• Initial Complaint

  Date:01/25/2023

  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 purchased a car from **** - IN101, ************************************************************************************ back ** 10/30/2018 for $14998 in which $7746 was left to pay and due to the issue with the car and the fact that it cost more to repair then vehicle then it was worth, and this company extended time past 90 to come back and have them make all the repairs before they give you an appointment. I voluntary returned the car. Since then, they have sold the loan to another company. SPRING OAKS CAPITAL LLC ********************************************** on 05/19/2022 for the amount of $7746. Th problem is this amount is posted on my credit file twice and only should be one time to Spring Oaks since they bought the loan out right. CNAC will not remove this **** on my credit report. I've asked many times and still to this day they have not removed it. Please help me with this matter.

  Business Response

  Date: 01/30/2023

  In the case of Mr. ************************ Compliant # ********, we have reviewed this matter with the full cooperation of the company-owned Byrider/CNAC in question.  **************** is disputing the accuracy of the reporting of his CNAC account to the credit bureaus. 
  
  After investigating the disputed information and reviewing all information provided with your dispute notice, we have determined that we reported certain information about you or your CNAC account that was inaccurate or incomplete and, as a result, we are notifying each consumer reporting agency to which we provided the inaccurate or incomplete information
  about our determination; and providing any correction to that information that is needed to make it accurate and complete. Please allow 7 to 10 business days for the updates to complete.
  
  

  Customer Answer

  Date: 01/30/2023

  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.]
  
  Regards,
  
  ***********************
  

  Customer Answer

  Date: 02/01/2023

  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 would like to have this removed from my credit file or at least report the right information as to being sold. I feel this is holding me  back from building my credit. Creditors look and I'm automatically turned down no matter what or how I explain they are one in the say amounts. 

  
  Regards,
  
  ***********************

  
  

  Business Response

  Date: 02/02/2023

  
  In the case of Mr. ************************ Compliant # ********, we have reviewed this matter with the full cooperation of the company-owned Byrider/CNAC in question.  **************** is disputing the accuracy of the reporting of his CNAC account to the credit bureaus. 
  After investigating the disputed information and reviewing all information provided with your dispute notice, we have determined that we reported certain information about you or your CNAC account that was inaccurate or incomplete.  We have notified the consumer reporting agencies that your account with CNAC was sold; therefore the tradeline showing CNAC will be closed by the agencies in approximately 7 - 10 business days.