Consumer complaint received 2023-10-04
Company: Byrider Franchising, LLC
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Damage caused or loss of personal items in vehicle during the actual repossession

Complaint:
I receive XXXX due to a XXXX which causes XXXX. At the time of signing the contract I was secduled for back XXXX because XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In a previous response to the first report I made they claimed that they didn't know I was XXXX which is a blatant lie because the proof of income i provided to them was from XXXX. Also they clamed that they followed all the consumer rights and truth in lending acts. This also is a falsification for several reasons 1st would be they don't put the buyers guide paperwork in the vehicle where it can be viewed which happens to be rule/law # 1 The dealership took advantage of my mental state by intraping, coercing/threatening and forcing me into signing their preditory loan agreement. I was actually in so much pain that I couldn't sit in the chair and had to kneel down while I was signing it. In a class action lawsuit in Massachusetts there was a case where it was found that their loan program was preditory and JD byrider was ordered to fined and order to stop using it. They did not do so instead they just rebranded their company to byrider and are still using the same program. Part of which is their is the service agreement where it mandated that You could only take Your vehicle back to them to have any work done. By doing so they can cause you to lose your vehicle because they sabotage something which makes it need repairs and blah blah blah. I made payments for a year and a half over {$6000.00} worth when I stop making payments to them not because of the loss of income but because 1.After taking my vehicle to them twice to get oil changes done and having them leave the radiator cap off and my vehicle overheat on the drive home 2. Because over a three month period of time every time I made a payment I requested they email me a full statement of all payments I had made so that I could use it to file the payments as and expense on my taxes and they never did. And 3 was because of harassing phone calls and messages while I was working and also repetitive calls to my sister in Texas. On The Sunday of XXXX XXXX weekend they came after XXXX at night and with the assistance of two sheriff 's deputies they unlawfully repossessed my vehicle. Which I have video evidence of the act. I had my trailer attached to my jeep with a padlock and they damaged the trailer while repoing it because the officer 's wouldn't let me detach it and they took it with the vehicle. When I went to get my belongings a XXXX public safety officer met me at the dealership they gave me a couple black garbage bags of stuff but around {$500.00} worth of tools an equipment was missing out of my vehicle. When I asked where my vehicle was so I could verify it wasn't in there they told me they already sold it. By law they're supposed to have sent me a notice of repossession and then notice to intent to sell and a notice on how much they sold it for which they did not do. So all in all they caused a XXXX  XXXX person to be the victim of contract fraud, armed larceny of a motor vehicle In which the loan contract was for over {$20000.00}, conversion of said vehicle and other personal property and other crimes including but not limited to fraudulently reporting incorrect information and accounting and delinquencies on my credit report

Company response to consumer: Closed with explanation