Consumer complaint received 2024-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Byrider Franchising, LLC
State: MI

Complaint narrative:
Byrider of XXXX used deceptive advertisment to get me in the door then the manager/floor salesman misrepresented pricing of the vehicle cost and other information. At one point I requested that they provide me with a unsigned copy of the contract so I could take it home and have time to read through it and possibly have a friend look it over, which he refused my request and proceeded to inform me that if I didn't sign the contract he would call the cops and falsely report that I had been denied the loan and had become belligerent and violent and would say that I assaulted a employee as I left. So against my will I was forced to sign the loan contract under duress. In several aspects the loan contract is that of which will be found indefinitely fraudulent and predatory including the way they present the contract itself. They came to the table with the contract separated in two piles and state that the first part is loan and financing and the other is just warranty stuff which is deceitful because they explain to you that the first section what you're signing for is everything including financing charges and taxes. One of the last statements in the contract that you initial for states that if you don't finish signing the rest of the contract from that point forward they have right to prosecute you if you refuse to finish signing. Once they have that signature they present you with the second portion of the contract which they had led you to believe was only warranty stuff when in fact when they flip the first page over it reveals the real amount of the costs of financing. Can they tell you you have to sign it and you're stuck paying it because you had just signed notice that they would prosecute if you didn't sign. After leaving the dealership I made a year and a half worth of payments to show cause that I have the means to have purchased the vehicle had the contract not been predatory. At which time after harassment and other issues with the dealership including attempts of sabotage of the working function of the motor I intentionally started making my payments late to get them to finish closing the jaws of their trap. XXXX XXXX XXXXXXXX. Michigan law states that if law enforcement personal facilities or asist in the repossession of the vehicle then the dealership forfeits all rights to the vehicle and it becomes larceny of a motor vehicle and then the dealership committed the act of conversion of a motor vehicle when they sell the property that they are in illegal possession. ofXXXX XXXX XXXXXXXX shows false reports to my credit report. Lastly there was a crucifix that was blessed by nuns in the name of XXXX XXXX hanging from the rearview mirror of my vehicle that they refuse to give me along with other property in the vehicle and they probably maliciously destroyed. Not only did they commit larceny in forcibly removing the vehicle from my possession but they also committed a second act of larceny due to the fact that my trailer was attached to the vehicle and it was taken with the vehicle and in the process my trailer was damaged.

Company response to consumer: Closed with explanation