Consumer complaint received 2021-06-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Byrider Franchising, LLC (NC)

I've spent so much cash getting my car repaired for the past two months just to find out its a recall on my engine. I ended up losing my job due to this! They are still asking if I can make payments! How? I can't even afford a rental because I don't have the {XXXX deposit! If it didn't require that, I would have been able to afford it! I got kids! This is non sense. My car suppose to be fix by next wednesday. XXXX CONFIRMED IT WAS MY ENGINEEEEE! NOT MY FAULT!! but i'm so far behind on my car payment its ridiculous! It's not even my fault! All the money I spent on my car could have been used towards my car payment now i'm without a job. I certainly don't deserve a repo! The lady who sold me the car told me this was a great car, practically new. I get it! I had it for a year and the engine gone. The company should have known about the recalls because it was back in XXXX. They should have had XXXX inspect before selling!! I was on the highway when it happened. I could have lost control of my vehicle. There's already been a lawsuit in the past. I hate to even take it that far but they need to know what they are selling! My family is affected! I'm the sole provider of XXXX toddlers! A XXXX year old and a XXXX year old who go to daycare! I lost everything!!! Then yesterday, XX/XX/XXXX A man came by and picked up my car. He stated it was because my engine recall & Byrider needed to look at it. He said I will get my car back in 2 to 3 hours. On top of that, I got dinged on my credit report for being 30 days late but I honestly had a valid reason because XXXX couldnt look at my car any sooner and due to covid I couldnt get a loaner car. I would like that deleted of my credit report. I spent money on repairs before I knew it was the engine and XXXX wasnt trying to reimburse my money. That was the money for my car payment. I ended up losing my job due to the slow process of getting my car fix. I cant afford to have a repo on my credit. I could understand if I wasnt making my car payments because I didnt want to but I had a reason. I also kept in contact with cnac manger about whats going on. Thats my only transportation, Im the sole provider for my XXXX year old & XXXX year old. Without transportation, I cant find a job and I stay in a rural county town so theres no free transportation. I just got my car back, even when I find a job, it takes 2 weeks to get paid. I been putting in application while I wait for unemployment but now if I get an interview, I dont have a way. This is crazy! it's not like I didnt want to make my payments on purpose. I couldn't. I lost my job, how could I afford a rental? 

Your company repoed my vehicle after having a valid reason! It certainly wasn't my fault that y'all sold me a vehicle that had an engine recall. Y'all should have gotten it expected by XXXX before selling it to me. On top of that you sold me a vehicle thats twice as much as its worth! XXXX MILES. This is a predatory car loan and is unacceptable!! Your company is misleading! You put people in cars and get over them. These loans are HIGH risk and make people go into default / repossession! Ive talked to my attorney and a lawsuit will be established unless you send me documents stating I will not have a repo on my credit report. I will certainly file bankruptcy if needed and want give this company a dime!