ComplaintsforJD Byrider/CNAC

• Initial Complaint

  02/07/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  Cnac and ******************* are predators. I called them to authorize a payment for $254 with a $1.95 processing fee and that's it. They in turn took a unauthorized payment of $318.95. I attempted to have it reversed and the manager ( I have no idea how name they refused to give me a name) refused to reverse the payment to fix the unauthorized transaction. I called and spoke with **** then some guy named ****. At first **** seemed ok and wanted to assist then he spoke with the unknown manager who **** refused to give a name to. He claimed that the manager refused to reverse the payment I then asked for his name because what you all did was illegal. He then started screaming it wasn't illegal because I authorized it (which I had not) when a new card is added or payment is authorized you are supposed to sign an e agreement. That was not done either. I am at a lost for words I will be going back to the er for anxiety this issue has pushed me into homelessness and stress beyond repair. Not to mention on the first day of a new job they called and harassed them. Needless to say I was let go from that brand new position and left with one day pay

  Business response

  02/08/2023

  In the case of *******************************, Complaint Number: ********, we have investigated this matter with the full cooperation of the franchise-owned CNAC.  ********************** is aggrieved at the processing of automatic payments on her account.  
  ******************************* purchased a 2009 ****** Rogue on December 21, 2021 from the franchise-owned Byrider location on ******* Street in *******, *********.  ******************** is also enrolled in ******************************* for her vehicle.
  CNAC has documented policies and procedures surrounding the servicing of accounts and was surprised to learn of Ms. ********** complaint. We promptly launched an investigation and discovered that while we did have permission to run the contractual payment of $254.00 and the *** Insurance payment of $54, ********************** was not properly informed of the 3.5% processing fee of $10.58 that is charged by the vendor. Although the payment options are disclosed at the time of sale, it is our policy to remind our customer of the fee when processing payments.  CNAC refunded the fee of $10.58 and took this opportunity to retrain their staff and the associate who made the error received corrective action. We apologize for the inconvenience this has caused.
  
  
  

  Customer response

  02/10/2023

   
  Complaint: 19344026
  
  I am rejecting this response because: I was not informed of a $10 fee I was told the processing fee was $1.95. When I inquired about the fee they acted like it was my banks fault and asked did I inform them it was a credit card, I explained yes because this is a new card added on the account and I have had that credit card for 2 years, I  notified multiple times. When I attempted to get them to correct it they refused to do so. The tones were unprofessional, uncouth, and condescending. Like stated in my original complaint I asked for a hire up they refused, I spoke with a guy named **** who refused to give me the persons name who was refusing to refund he refused this request.  I am certain that the manager was named *** he called months ago threatening and nasty like (you would've thought it was a friend or family member who was mad at me) Yesterday i finally got a refund of the $10 it looks like they initiated the refund on the 8th after I contacted the BBB. 
  
  Sincerely,
  
  *******************************

  Business response

  02/13/2023

  As stated in our original response ********************** was not properly informed of the 3.5% processing fee of $10.58 that is charged by the vendor. Although the payment options are disclosed at the time of sale, it is our policy to remind our customer of the fee when processing payments.  CNAC refunded the fee of $10.58. ********************* acknowledges that she was refunded the fee. We apologize again for the unintentional error.

  Customer response

  02/13/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *******************************

• Initial Complaint

  08/02/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Hello, I am Sharika Varnado. I am disputing a transactions made by OPC*ACI or ACI*CNAC. The amount of each transaction was $300, $250, and $200. I did not give authorization for these transactions. Here is my information. This for vehicle that has been totally out and was paid out by my insurance company. Claim: 12864721 Acct: 7658913105 Merchant name: OPC"ACI LOAN or ACI CNAC Thank you Sharika Varnado 414-336-1273

  Business response

  08/05/2021

  
  The customer signed an authorization form on 2/27/19 for a card that was one digit off in error. The customer corrected this online when they added the card to the file on 4/1/19. We have had verbal authorization to run this card automatically. We will cease payments on this card going forward. 
  
  We did receive a check from her insurance company on June 7, 2021 for $3,572.80 which at that time left a deficiency balance of $3,687.71. The customer was sent a letter on June 21, 2021 detailing the remaining balance on the loan.Tell us why here...

*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. ↩