Consumer complaint received 2025-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Byrider Franchising, LLC
State: IA

Complaint narrative:
I requested the original contract that I signed in person, but the company only provided a computer-generated version. I also asked for a full breakdown of my payments, and some payments appear to have increased my balance rather than reducing it. They did not clearly explain this or provide all supporting documentation. I also purchased a full warranty through the dealership as part of the original loan/sale agreement. When I later had issues with the vehicle, they refused to honor the warranty or perform the repairs that were clearly covered under the terms. This adds to my concern that I believe that the dealership is not being honest or operating fairly, especially since I am a XXXX consumer and may have been targeted or taken advantage of.They made me pay for all the repairs on my vehicle. They repossessed my vehicle even though I wasn't behind in my payments and they changed my transmission while they had the vehicle. They damage the vehicle while they make repairs on the vehicle. After I complained to the maintenance department and they had me bring the car in they had it for about two days, my gas mileage went from XXXX miles a gallon to about XXXX miles per gallon. My tires are more wobbly and I believe that they messed up my axle. I believe that CNAC And maintenance have manipulated the loan terms, have refused to give me the full original contract or copy of. I believe that CNAC Misapplied or increased my loan balance. I am also XXXX, I feel that they are discriminating against me because I am a vulnerable person. I am XXXX and I believe that my contract was for 36 months and should have been paid off already. It's been over 4 years and so far I am paying more than MSRP for a vehicle that is over XXXX XXXX XXXX I believe that I am being taken advantage of because I am XXXX. I made some late payments, but they were all made within the life of the loan, and the contract does not include any late fees or interest accrual terms beyond what was already included upfront. I am a XXXX consumer and I am asking for transparency, fair treatment, and resolution of overpayment or breach of warranty. I would like for them to honor the original contract, which I believe is for XXXX years and now it's going on over XXXX and I am paying more than MSRP for a vehicle that is over XXXX XXXX XXXX. That they provide a full original copy of the contract not just a computer signed generated version. Explain in writing why the balance increased and provide a corrected ledger if they misapplied payments. Refund or credit any payments made after the original payoff date, if the loan was extended improperly. Honor or refund the full warranty I paid for, since the dealership failed to provide repairs or service. The dealership refuses to cooperate or make this right.I requested the original contract that I signed in person, but the company only provided a computer-generated version. I also asked for a full breakdown of my payments, and some payments appear to have increased my balance rather than reducing it. They did not clearly explain this or provide all supporting documentation. I also purchased a full warranty through the dealership as part of the original loan/sale agreement. When I later had issues with the vehicle, they refused to honor the warranty or perform the repairs that were clearly covered under the terms. This adds to my concern that I believe that the dealership is not being honest or operating fairly, especially since I am a XXXX consumer and may have been targeted or taken advantage of.They made me pay for all the repairs on my vehicle. They repossessed my vehicle even though I wasn't behind in my payments and they changed my transmission while they had the vehicle. They damage the vehicle while they make repairs on the vehicle. After I complained to the maintenance department and they had me bring the car in they had it for about two days, my gas mileage went from XXXX miles a gallon to about XXXX miles per gallon. My tires are more wobbly and I believe that they messed up my axle. I believe that CNAC And maintenance have manipulated the loan terms, have refused to give me the full original contract or copy of. I believe that CNAC Misapplied or increased my loan balance. I am also XXXX, I feel that they are discriminating against me because I am a vulnerable person. I am XXXX and I believe that my contract was for 36 months and should have been paid off already. It's been over 4 years and so far I am paying more than MSRP for a vehicle that is over XXXX XXXX XXXX I believe that I am being taken advantage of because I am XXXX. I made some late payments, but they were all made within the life of the loan, and the contract does not include any late fees or interest accrual terms beyond what was already included upfront. I am a XXXX consumer and I am asking for transparency, fair treatment, and resolution of overpayment or breach of warranty. I would like for them to honor the original contract, which I believe is for XXXX years and now it's going on over XXXX and I am paying more than MSRP for a vehicle that is over XXXX XXXX XXXX.

Company response to consumer: Closed with explanation