Consumer complaint received 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC
State: FL

Complaint narrative:
This is likely a reoccurring theme with CNAC. I purchased a truck from them late XXXX. I asked to transfer my tag from my XXXX to the truck to which they obliged and told me that would work. A few weeks later, I moved my XXXX XXXX XXXXver to my XXXX. In early XX/XX/XXXX, my truck was towed by the HOA due to having an invalid tag on my truck. This cost me {$320.00} to get my truck back, and then some phone calls to find out whats wrong with my tag. On XX/XX/XXXX, I made my normal truck payment a few days early. The payment was towards the loan and very straight forward and I have receipts. On XX/XX/XXXX, not even 2 hours after my original due date, CNAC was calling me threatening repossession of my vehicle for being late. Confused, I immediately called them back. I spoke to them that day and was advised by the district manager XXXX XXXX that XXXX processed me for a new tag rather than a tag transfer, and because it was roughly {$400.00} to get a new tag THE DECIDED TO TAKE THAT EARLY LOAN PAYMENT ON XX/XX/XXXX and COMMINGLE it to be used towards the tag rather than my loan, so now I am in default since I didnt make the payment. So I then had to make ANOTHER PAYMENT to avoid a repossession that I ( shouldnt have been ) late, but not even a full day late. So between this and the truck being towed, within a week I was out {$720.00} So this is where things are tricky. Ive continuously asked CNAC and XXXX XXXX XXXX different questions to ensure that what they did was fair and by the contract. None of them can be answered by him and all hes done since then is hound me for my payments EVEN THE SAME DAY ITS DUE AND NOT LATE YET. 1 ) there is nowhere in the contract that states that CNAC can take my ( early ) payment towards my loan and then applying it to something else such as a new tag that I was UNAWARE OF. Ive asked XXXX XXXX To show me where that is allowed and he cant. 2 ) while being late in a payment can cause a repo by the contract of all car loans, why am I being threatened of a repo the very next day after my payment is due if Im communicating and confused, asking why my payment a few days before didnt apply? He still wont answer that and only reaches out for payments. XXXX ) give that CNAC is 100 % at fault for the tag discrepancy, CNAC should be 100 % liable for my truck getting towed {$320.00} AS WELL AS the $ XXXX that I paid that was supposed to go towards my loan and instead went towards a new tag that again I was never aware of. So to summarize, they misused my loan payment towards apply towards something else and did so without my consent as well as not even telling me. I had no clue until I was then being threatened of the repo for being 1 day late. I have email threads with XXXX XXXX, I have the contract, and I have receipts for both the tow and the payment that shows as applied towards my loan before they went into their system and changed it. I was valid proof that this happened and XXXX XXXX was aware of it. I tried to even offer to not pursue them paying for the tow and tag. And instead asked him to just waive my payment at that time since the payment was {$250.00} and the tag that I unknowingly was charged for was {$410.00}. He declined disrespectfully and only threatened a repo again. I have filed complaints with XXXX but since they are not accredited their hands are a bit tied. I have a company that has mismanaged my funds and payments and lied to me to do so. The same company is now threatening a repo if Im even 10 minutes late, and have called me no less than 4 times ON THE PAYMENT DUE DATES every single week since they made their mistake.

Company response to consumer: Closed with explanation