Consumer complaint received 2026-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Byrider Franchising, LLC
State: IN

Complaint narrative:
-Sold vehicle XX/XX/XXXX under class action lawsuit directly related to engine failureXX/XX/XXXX years later never disclosed any relative recall or the exsisting class action lawsuit- consumer never made aware of class action lawsuits preventing consumer from correcting the issue which could have been corrected by kia -consumer paid on time forXX/XX/XXXXyears totaling roughly 19,000 $ underestimating on a car with undisclosed class action lawsuit XXXX XXXX -upon engine failure and class action lawsuit discovery consumer tried to call and discuss with manager where XXXX an employee indicated to consumer she was management and there was nothing that could be done in this case. -Authorized representative called back to speak with indicated managerXX/XX/XXXX to find out she was not a manager and was transferred toXX/XX/XXXX was hostile during conversation accused authorized representative of " prioritzing herself over customers waiting to make a purchase '' authorized representative indicated consumer was great customer made payments on time and wanted to give the company the opportunity to do the right thing - XXXX indicated byrider purchase had helped consumers credit and he should search for new vehicle purchase somewhere else due to high interest rates anyways - XX/XX/XXXX XX/XX/XXXXinsisted consumer take vehicle to be fixed at kia under CLOSED class action lawsuit -authorized representative insisted this was byriders responsibility where eventually XXXX became angry and hung up on authorized representative then continued to call back within the hour and make settlement deal, manager XXXX XXXX, and cnac ( where debts are paid within byrider on consumer purchases ) that if consumer pay1k and return vehicle that account balance would be XXXX XXXX XXXX XXXX Consumer went to cnac-byrider location XXXX XXXX XXXX XXXX, IN XXXX and paid 1000 $ via money order per agreement and made arrangements with XXXX XXXX to have vehicle towed in good faith- this was not a repossession but an agreement- manager XXXX XXXX confirmedXX/XX/XXXX balance on account and said it would take time for XX/XX/XXXXbalance to process and show with cnac but confirmed and assured consumer there would be no further charges while handing consumer a paper receipt with a balance of XXXX circled at the bottom - yet XXXX did not sign contract consumer signed-consumer and authorized representative recorded XXXX XXXX, manager, that made this deal, accepted 1000 $ money order from consumer, and made towing arrangements, confirming XXXX balance. This was recorded. XXXX XXXX consumer received call from cnac attempting to collect debts on settled account- authorized representative took over call to retrieve name of agent and ask what amount he was showing consumer owed-agent apologized profusely and abruptly ended the call without disclosing name. XXXX XXXX exact dates foggy but relevant original agreed upon date to tow-vehicle was not towed consumer called to ask when vehicle would be towed was told " in the next few days sometime '' upon tow no papers or discussion attempted indicating potential improper tow procedure. XXXX XXXX XXXX consumer received Notice of disposition and our plan to sell property indicating a sale of consumer vehicle that was returned per agreement settlement deal with XXXX XXXX XXXX that a private sale will occur sometime after XX/XX/XXXX -stating consumer broke promises in our agreement- stating the money that " we get from the sale after paying our costs will reduce the amount you owe. If we get less money than you owe, you will still owe us the difference. If we get more money than you owe you will get the extra money, unless we must pay it to someone else. IF you want us to explain to you in writing how we have figured the amount that you owe us, you may call us at XXXX or request a written explanation At bottom of letter it literally states " THIS IS AN ATTEMPT TO COLLECT DEBT '' - Consumer authorized representative prepared letter of dispute that was hand delivered to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX IN XXXX where consumer recorded clock as time stamp and proceeded to hand deliver to cnac office where he asked for a time stamp was denied and redirected to XXXX XXXX private office where XXXX stated " you don't even know what this letter means do you '' and proceeded to laugh- consumer requested again a time stamp in which XXXX XXXX manager of byrider at this location refused then confirmed again verbally a XXXX balance on consumers account. This letter was also mailed to return address on notice of disposition to sell vehicle letter received by consumer- and emailed to cnac headquarterXXXXXX/XX/XXXX and byrider- this letter stated above listed issues and demanded written confirmation of XXXX balance and removal of derogatory credit marks on consumers account - this was sent and hand delivered XX/XX/XXXX -consumer is attempting to correct credit in efforts to secure mortgage loan and this situation has damaged credit and his co borrowers credit profoundly- as they had to lease a car and attempt to secure unexpected 1k to settle vehicle that was sold under undisclosed class action lawsuit - this has caused damage to credit in attempts securing the 1k loan in a hurry to settle- XXXX securing transportation causing consumer and co borrower to have to sign a lease instead of purchasing vehicle because the profound credit drop after securing the 1k to achieve settlement with XXXX XXXX the consumer vehicle sold without proper disclosure of and under open class action lawsuit was XXXX months from being paid off with byrider collecting 19,000 ( underestimating ) on this vehicle since purchase date-now continuing to cause damage the consumer is in aXX/XX/XXXXyear lease agreement to maintain transportation- and having trouble with mortgage loan processes due to cnac continuing to maintain falseness on credit report

Company response to consumer: Closed with explanation