Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Byrider Franchising, LLC
State: IN

Complaint narrative:
CNACXXXX the automobile loan company for JD Byrider accepted my voluntary repossession and agreed to mark the status of the loan as " paid in full '' by XX/XX/year>. However, as they have since the loan originated they incorrectly marked the account as " repossession '', marked payment as " late '', and it shows closed with the full amount of the loan due still. This is a retalitory action against me trying to ruin my credit. They wrote the contract up with the incorrect days of payment due saying it would be on my payday but wrote it up on the opposite weeks. When I told them not to withdraw any more payments from my account they had on file, they disregarded my revocation of permission and continued to withdraw money from my account without my permission. They lied about my conduct and demeanor when dealing with their customer service reps. Saying I became loud, swearing at them, yelling, and abusive. I was in a meeting at work with my XXXX  XXXX and my shift when their call came in, I was nothing but courteous and more than reasonable considering they were blaming me for their mistakes. I never raised my voice, uttered no curse words, never swore at them, and my coworkers can attest to that. They however, rose their voice when talking to me, blamed me for their errors, and hung up on me in the middle of me asking a question. They then lied about the conversation to their superior. I know this because I called her later on and she told me that they were not going to stand for anyone yelling and swearing at them. I told her that I wouldn't either thats why I was calling and if they said I did such a thing she should listen to the recording and know the integrity of her reps is less than desirable. So, having not quite shown how unprofessional they could possibly be, when I returned the car voluntarily, cleaned out and ready to go for them, they had to offer, per the contract, to accept the collateral back and mark it paid in full. Their moral compass is so far off and assuming they get away with this sort of thing most of the time, against what they stated in a letter to me, I still have, they did not.mark my account as they said they would, lied about it being a voluntary repossession, marked it as late on payments, and showed exactly what kind of company they are. I am still trying to get my credit corrected, they are still refusing to do what they said they would and are contractually bound to do, they disregard the law when debiting my account after I revoked their permission to do so in writing, reported my payment history incorrectly, added remarks that damage my credit, marked the status of this loan incorrectly also hurting my credit, and refuse to change what they promised to mark differently due to their own contract. I will be seeking damages due to this and maybe this corrupt company will see what they are and what their employees really make them loo like when they practice shady business and illegal tactics when they are called.out.on their chosen actions that are against their own contracts and spread lies about their customers.

Company response to consumer: Closed with explanation