Consumer complaint received 2016-06-21
Company: Byrider Franchising, LLC
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
XXXX XXXX I contacted cnac XXXX them know we need XXXXwork out something because my rent was going up XXXXfull market rent of XXXX I 'm on XXXX with me & my daughter working & both receiving social security from me n XXXX it would b difficult XXXXmaintain a XXXXcar payment they said they could n't do nothing & someone would contact me on monday no one did until XXXX XXXX when they tried XXXXrun my debit card & was declined payment I informed them there was no payment XXXXget because i had payed rent & that month I had only recieved XXXX from social security XX/XX/XXXX which was my XXXX payment I said I 'd c what I could do by this time I was n't working due XXXXmy client 's declining health & my restrictions of weight I could lift XXXX XXXX I got the call they had XXXX called me throughout my hospital stay & I had numerous complications I spent XXXX XXXX & got out XXXX XXXX I made a payment that month because they had lowered my rent to XXXX I made a payment n XXXX & did n't pay rent trying XXXXshow good faith as I 'm traveling back & forth XXXX clinic XXXX follow up I was still a payment behind they informed me of a fresh start program i had XXXXget insurance because mine had lapsed on XXXX XXXX XXXX I could n't afford it with my daughter on XXXX & XXXX of funds n XXXX I got my taxes & payed double rent for XXXX & XXXX after going back & forth i was told I could do the fresh start long as I made payment on time which I did I was still pinching off taxes i was told XXXXof my XXXX did n't & they 'd cost me XXXXa month plus my co pay of my XXXX n XXXX taxes were gone & I was back n the boat of not being able XXXXkeep up wit payment they were calling me weekly sometimes XXXXtimes a wk they were telling me XXXXsell items I told them I had nothing of value n my home i dont have new flat screen tvs no game systems nothing XXXXpawn n XXXX & XXXX i made partial payments cause im only getting XXXX i have XXXXmake that strecth XXXX 30or 31 days & im going back & forth XXXX XXXX & XXXX XXXX & going XXXXthe XXXX a week XXXX later n XXXX the car wasnt running well I was afraid XXXXdrive it mostly long distances like XXXX I got an oil change @ XXXX XXXX {$24.00} they told me i needed a wheel alignment a tire rod on drivers side & some work n the back of car with struts or something it would be XXXXworth of work i could break it dwn & do wheel alignment & tire rod XXXX {$190.00} i took it elsewhere & they told me i need wheel bearing on both sides the left was worse it was just a matter of what pot hole & how i hit it all the work plus labor would cost XXXX I talked with a friend as i was distraught & they found someone who would fix wheel bearings & tire rod wit parts & labor XXXX {$650.00} the only way I 'd have enough was not XXXXpay my rent & not give cnac the partial payment i had been when they made the weekly call i told him i didnt have money cause i used it XXXXfix car & i wouldnt have money again til XXXX XXXX he was angry & i knew he would prob try XXXXrepocess car XXXXnxt 2weeks a different man calld yesterday being most recent i informed him I still didnt have money XXXXpayment but i had asked XXXX if i could try XXXXgo back XXXXwork they said yes so I 'd be looking for something part time on wknd or late evening being i have numerous appts during day & week he said good & maintain my weekly calls round XXXX the repo man showed up XXXXtake car after contacting cnac they said im XXXXpayments behind & have XXXXtake it i asked y wasnt i informed earlier when i had talked XXXXsomeone not even XXXX ago they said they didnt have XXXXsay anything my daughter & her gma said they make past due amount they said call XXXXmorrow & they were still taking car & after payment id have XXXX wait 3-5days XXXXput n tracker & auction

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation