Consumer complaint received 2025-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Byrider Franchising, LLC
State: FL

Complaint narrative:
I am filing a new complaint because the previous response from CNAC/Byrider contained false information and left out critical facts. My vehicle was purchased in early XXXX, not XXXX as the company incorrectly stated. I only had the vehicle 7 months before the engine failed due to a repeated cooling-system defect that the dealer failed to properly repair. 

This complaint is separate and based on new issues : Repeated cooling-system failures were repaired more than once ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), yet the same issue continued and ultimately caused complete engine failure. 

The sales process was heavily pressured ; I was told that due to my credit, my only options were older XXXX models. All vehicles shown to me were over a decade old, overpriced, and offered under harsh financing terms. This is a classic sign of predatory lending targeted at vulnerable buyers. 

Despite maintaining every bi-weekly payment on time, the vehicle experienced repeated mechanical failures involving the same cooling system. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I reported overheating, leaks, check-engine lights, and temperature-related issues. Each time, the dealer made partial cooling-system repairs, yet the problems continued and worsened. The A/C also continued to fail despite being repaired. These repeated failures prove the underlying issue was never properly corrected. 

On XX/XX/XXXX, I contacted the dealer again because the car was behaving differently, including inconsistent A/C temperatures, but no warning lights or indicators were on. I had already missed work multiple times for prior repairs each requiring a full day or more so I explained that I could not take off again unless it was urgent. The service department could not confirm whether it was urgent and simply told me to bring it in, offering no warning, no urgency, and no instruction to stop driving or tow the vehicle. I relied on their professional judgment. 

The final breakdown occurred with no warning lights and resulted in a blown head gasket and engine failure directly tied to the same unresolved cooling-system defects they had repeatedly attempted to fix. Despite the vehicle being under a XXXX warranty, the dealer refused to honor the warranty, blamed me for the damage, and demanded that I continue making my bi-weekly payments while also pressuring me to take out additional financing for an engine replacement. They effectively attempted to force me into double payments : a car note for a car I could not use, plus a separate loan to fix a problem covered under warranty. 
They kept my vehicle for two weeks after my last payment with no repairs performed, continued demanding money, and ignored the repeated failures of the same system. Their CFPB response contains multiple factual inaccuracies about dates, purchase year, service history, and the circumstances of the final breakdown. 

I maintained all payments until the final engine failure, and the resulting loss of transportation ultimately caused me to lose my job. The financial hardship, loss of income, and emotional distress I experienced were direct consequences of Byrider and CNACs actions not my own. 

I am requesting a full investigation into their : Predatory lending practices Repeated failure to repair the same defect Wrongful warranty refusal Pressuring consumers into additional financing False statements in their CFPB response Attempts to collect payments for a unusable vehicle

Company response to consumer: Closed with explanation