Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Byrider Franchising, LLC
State: SC

Complaint narrative:
continuation from case number XXXX part 2. i don't know why the case was closed. before i gave a response to their response.

the woman they described is. started trying to reach out to me when i could reach her. my work schedule does not have open room for it.

but monday their was only a 5 to 10 min communication and attempt to email her information. information that may turn my issues with the jd byrider into a lawsuit court case. 

because. the actions their chief cnac account and billing department did. retain my card information, use it without my permission, to use it in a claim as pay my bill. As the owner of my bank account. I have the right to authorize debit or automatic debits on bills. Their was no  authorization for automatic debit payments. and i did in XXXX and XXXX inform and tell her directly. payments would be called in or sent by my banks bill pay. federal and state rules prohibit companies from retaining card information and using it unless authorized. on the week of XX/XX/XXXX to XX/XX/XXXX. their was no automatic debit authorization. and then the weeks later still no authority. 

Second the purchase of the car had issues. that were verbally addressed to the manager, XXXX. those issues were then brought up to the service department for byrider. the manager for their automotive service department said that electrical issues and others were not under the policy. the issues had a series effect on the safety and protocol of driving on the road. again the issue on that were addressed to the manager on the day of the test driving. i quote " the car is used its going to have problems '' from XXXX himself. if thats the reason. I believe federal and state laws that say. a vehicle driving on the roads without a proper speedometer. are hazardous and illegal. i told the manager i looked back in the records for the cars mileage issue and when it may have started and reported. the manager told me back that " why should i be looking up that history, when no payment has been done '' i have been doing payments on the car since i got it this year.. 

saturday, XXXX XXXX i conversation with the woman who stole/used my debit card without authorization XXXX and the manager XXXX XXXX were informed of the following. 
receiving a letter sent to my old address. A payment of that would be done on the XXXX. it was through my XXXX XXXX XXXX XXXX XX/XX/XXXX. as a bill pay. the bank processed and sent payment to them on XX/XX/XXXX, XXXX they wanted me to use XX/XX/XXXXXXXX or go to the place.

i declined to go to the place. because i did not want my anger to cloud my judgement. i have had a bad experience with XXXX. i was scammed by a company who told me to use XXXX to sent money before in XXXX those scammers have still not been caught and monies returned to me. And i refused to use and feel a repeat of before. especially when my information was not safetly secure. 

last night i seen a tow company pick up the car. i did show them payment sent to them. of the amount on a letter, that was only do. 

any other monies. such as a so call insurance or something else. was not on the letter documented. and only thing documented for payment was the amount i sent. the office in XXXX said. they wanted over XXXX dollars. that goes very well against what the letter stated. and again. the charge of insurance. on a vehicle that will not be driven until series DOT issues are fixed and others. 

i will not accept that the payment done by my bank is considered a charge to allow what the letter sent. would claim it as a repossession marking a so call negative point on my credit. but again in the previous report. i have not seen in any of my credit reports. a payment credit post in my reports for building credit. 

being forced now to go to that office. instead of human dignity manners. especially in the pandemic of Covid. where my mom is XXXX XXXX  and anyone in that place not tested. is high reason for concern. against a time i can do that. from the work schedule. will also be recorded and looked into. if this is the same treatment or similar. to a jdbyrider issue in the northern states.

Company response to consumer: Closed with explanation