Had an emergency situation and had to leave town due to vandalized previous car and stolen money and had to get out of town ASAP. So, I went to JD Byrider. Ended up getting a 2003 Chevy Malibu.... ....for $401 a MONTH. $150 in interest monthly. Complete ripoff. I've had to fix so many things on the car, and can't get it refinanced anywhere or out of the car at all because it costs so much. I've been paying on it for almost 2 years, and apparently only have $3000 paid on it, $9000 left. ARE YOU KIDDING ME? I can't save money at all because of it. Whenever I call and request information about the car or how I could trade it in for something more reliable, or even information about the car to figure out how to pay it off faster, I get very vague, rude responses. The staff is very off putting, and they make you feel uncomfortable. If your payment isn't taken off your card a half hour after they open they call you and everyone they know REPEATEDLY until you answer and leave countless voicemails. Clearly I know my payment is due, it's not overdue, so QUIT CALLING. I will get it paid. My family feels harassed and I do too. I have a baby on the way and this car is super unreliable. I got ripped off royally on the price, the car is junk, and the staff doesn't even try to help. Fed up. It's making my credit worse, making it hard for me to pay for other things and pay other things off, and I'm extremely frustrated.
IMPORTANT!!! IF YOU ARE FED UP WITH JD BYRIDER, DO SOMETHING ABOUT IT!!! READ THE ENTIRE MESSAGE BELOW AND PASS THE INFORMATION ALONG. I was never a customer with JD Byrider, however someone I know purchased a vehicle from them. Whenever she was late with her payments I received repeated phone calls from JD Byrider’s employees. Sometimes I received up to five calls in one day. When I asked, why were they repeatedly calling me? I was told “you are listed as a reference”. I informed the employee that I had nothing to do with the loan and asked that I be removed from their contact list. The employee grew hostile and informed me that because I was used as a reference, JD Byrider had a legal right to contact me. She even threatened to have JD Byrider’s employees show up at my door everyday if they chose to do. So, because the party (JD Byrider’s customer) listed me as a reference (not a co-signer) they have the legal right as a debt collection agency to come to my home as long as the debt remains unpaid. She also told me that if I talked nicely to her she might remove my phone number from their contact list. I hung up the phone and blocked all of JD Byrider's phone numbers so that they would not be able harass me further. I've since launched an investigation of JD Byrider and I am appalled to learn that they have over 300 complaints listed on message boards across the Internet.
While understanding message board complaints only inform consumers to be wary of businesses, they do not protect the rights of consumers who are preyed on by companies such as JD Byrider. Poor consumers and consumers with less than perfect credit do have legal rights and should not allow themselves to be intimidated and victimized by loan shark companies such as JD Byrider. In this instance, JD Byrider has made the wrong harassing phone call and has threatened the wrong person. I am well aware of the laws and legal rights of consumers. As such, after being repeatedly harassed, I have filed complaints with the Federal Trade Commission, my State Congressman, State senator, State's Attorney General and the Consumer Financial Protection Bureau. As a result, I have since received confirmation from all of these entities that they are currently investigating my complaint. Additionally, I wrote a letter to the ACLU and the NAACP requesting an investigation into the practices of JD Byrider as it pertains to race.
Based on my experience with the ignorance and tactics of JD Byrider’s employees, there's bound to be gross consumer, human and civil rights violations. Consumers or individuals listed as references who are currently or have been repeatedly harassed by JD Byrider’s employees in the past should file a complaint with the Federal Trade Commission, your State and County Attorney General, your State Congressman, State Senator and Richard Cordray of the Consumer Financial Protection Bureau (CFPB). Pursuant to the Dodd-Frank Act, the CFPB has the authority to take action against institutions and/or individuals who engage in unfair, deceptive, or abusive acts or practices or who otherwise violate federal consumer financial laws. Richard Cordray of the Consumer Financial Protection Bureau fined DriveTime, one of the biggest used auto companies who prey on the poor and on people who have bad credit. The fine resulted in an 8 million dollar settlement against DriveTime. JD Byrider uses the very same tactics and consequently the same violations are potentially being committed. It's possible that CFPB’s investigation of JD Byrider will have a similar outcome as did DriveTime. Per Richard Cordray: “Consumers who purchase a car at a buy-here, pay-here dealer deserve to be treated fairly”, DriveTime harassed and harmed countless consumers, many of whom were economically vulnerable. You should also contact a good consumer law attorney and have him/her look over the contract you signed with JD Byrider as it is possible they may have violated Consumer Protection Regulation “Z” and other consumer contract statutes. What is Regulation Z? It is a specific Federal Reserve Board regulation that requires debt lenders to disclose all the specifics of a given loan. This was done to promote a level of credit protection for the underlying consumer. To file your complaint with the Consumer Financial Protection Bureau please write: Consumer Financial Protection Bureau Attn: Richard Cordray Consumer Financial Protection BureauP.O. Box 4503 Iowa City, Iowa 52244 Or send your letter by Fax (855) 237-2392 See the link below regarding the DriveTime settlement. http://www.autoremarketing.com/bhph/exclusive-drivetime-responds-8m-fine-cfpb Best Regards
My wife and I both don't have very well credit, so we were looking on the internet for a car dealer who would work with someone with less than great credit and JD Byrider was one of them. We went to the one in Boardman, Oh, after we inquired about a car on their website and a Miss Patti Courtney called us back to set up a meeting.
We got there about 15 mins after they opened. We were looking at a car when Patti came out and ask us if we were who she had a meeting with, which we said yes. My husband asked her how much were they asking for the car we were looking at, she told us to come in and we would get the paperwork started.
We went back and she started telling us about the company and a little bit about what JD Byrider does. As we were listening to her not once did she care to tell us anything about the car we were interested in or what kind of car we were even looking for. She then took some information from us, then took us to someone else to do the loan.
We were with the loan guy for a little bit, who asked us the same questions that Patti just asked us and had already entered into the computer. Then he sends us back into the lobby to fill out a sheet for 12 refrences. 12 people that they wanted to call to verify information about us.
We took one car out for a test drive and came back. We were both ready to sign final papers and go. We had already been there a hour and a half. When we went back in they had us going back and forth between the two, and yet no final papers. When they gave us the price it was way too high, they were asking over $14,000.00 for a 7 yr car! Our payments were to high every two weeks. We were told not even a day late would due either. Three hours later we had had enough and just left without the car or finalizing anything. They wanted us to stay at least an hour or two more. Needless to say, they are charging way to much for old cars and run you back and forth all day before they try to do anything to get your papers sone.
I had went to jdbyrider to look for a vehical and i had asked them to help me under stand the contract they did not do that they had me intils a this stuff i did not under stand i did not get to pick my own car they picked it for me not only that i have not had the car a full 30 days and ever since i got the car i had ben taking it back for repairs and then may 11 2014 i got into accident and jdbyrider was gonna settel for the value of the car and make me pay 6000 dollers for a car i dont have and 2 they want me to pay my car note on the 3rd when i dont even have a car and so i called them and told them how i felt and what they did to a specal needs person
J.D. Byrider Reviews
Had an emergency situation and had to leave town due to vandalized previous car and stolen money and had to get out of town ASAP. So, I went to JD Byrider. Ended up getting a 2003 Chevy Malibu.... ....for $401 a MONTH. $150 in interest monthly. Complete ripoff. I've had to fix so many things on the car, and can't get it refinanced anywhere or out of the car at all because it costs so much. I've been paying on it for almost 2 years, and apparently only have $3000 paid on it, $9000 left. ARE YOU KIDDING ME? I can't save money at all because of it. Whenever I call and request information about the car or how I could trade it in for something more reliable, or even information about the car to figure out how to pay it off faster, I get very vague, rude responses. The staff is very off putting, and they make you feel uncomfortable. If your payment isn't taken off your card a half hour after they open they call you and everyone they know REPEATEDLY until you answer and leave countless voicemails. Clearly I know my payment is due, it's not overdue, so QUIT CALLING. I will get it paid. My family feels harassed and I do too. I have a baby on the way and this car is super unreliable. I got ripped off royally on the price, the car is junk, and the staff doesn't even try to help. Fed up. It's making my credit worse, making it hard for me to pay for other things and pay other things off, and I'm extremely frustrated.
IMPORTANT!!! IF YOU ARE FED UP WITH JD BYRIDER, DO SOMETHING ABOUT IT!!! READ THE ENTIRE MESSAGE BELOW AND PASS THE INFORMATION ALONG. I was never a customer with JD Byrider, however someone I know purchased a vehicle from them. Whenever she was late with her payments I received repeated phone calls from JD Byrider’s employees. Sometimes I received up to five calls in one day. When I asked, why were they repeatedly calling me? I was told “you are listed as a reference”. I informed the employee that I had nothing to do with the loan and asked that I be removed from their contact list. The employee grew hostile and informed me that because I was used as a reference, JD Byrider had a legal right to contact me. She even threatened to have JD Byrider’s employees show up at my door everyday if they chose to do. So, because the party (JD Byrider’s customer) listed me as a reference (not a co-signer) they have the legal right as a debt collection agency to come to my home as long as the debt remains unpaid. She also told me that if I talked nicely to her she might remove my phone number from their contact list. I hung up the phone and blocked all of JD Byrider's phone numbers so that they would not be able harass me further. I've since launched an investigation of JD Byrider and I am appalled to learn that they have over 300 complaints listed on message boards across the Internet.
While understanding message board complaints only inform consumers to be wary of businesses, they do not protect the rights of consumers who are preyed on by companies such as JD Byrider. Poor consumers and consumers with less than perfect credit do have legal rights and should not allow themselves to be intimidated and victimized by loan shark companies such as JD Byrider. In this instance, JD Byrider has made the wrong harassing phone call and has threatened the wrong person. I am well aware of the laws and legal rights of consumers. As such, after being repeatedly harassed, I have filed complaints with the Federal Trade Commission, my State Congressman, State senator, State's Attorney General and the Consumer Financial Protection Bureau. As a result, I have since received confirmation from all of these entities that they are currently investigating my complaint. Additionally, I wrote a letter to the ACLU and the NAACP requesting an investigation into the practices of JD Byrider as it pertains to race.
Based on my experience with the ignorance and tactics of JD Byrider’s employees, there's bound to be gross consumer, human and civil rights violations. Consumers or individuals listed as references who are currently or have been repeatedly harassed by JD Byrider’s employees in the past should file a complaint with the Federal Trade Commission, your State and County Attorney General, your State Congressman, State Senator and Richard Cordray of the Consumer Financial Protection Bureau (CFPB). Pursuant to the Dodd-Frank Act, the CFPB has the authority to take action against institutions and/or individuals who engage in unfair, deceptive, or abusive acts or practices or who otherwise violate federal consumer financial laws. Richard Cordray of the Consumer Financial Protection Bureau fined DriveTime, one of the biggest used auto companies who prey on the poor and on people who have bad credit. The fine resulted in an 8 million dollar settlement against DriveTime. JD Byrider uses the very same tactics and consequently the same violations are potentially being committed. It's possible that CFPB’s investigation of JD Byrider will have a similar outcome as did DriveTime. Per Richard Cordray: “Consumers who purchase a car at a buy-here, pay-here dealer deserve to be treated fairly”, DriveTime harassed and harmed countless consumers, many of whom were economically vulnerable. You should also contact a good consumer law attorney and have him/her look over the contract you signed with JD Byrider as it is possible they may have violated Consumer Protection Regulation “Z” and other consumer contract statutes. What is Regulation Z? It is a specific Federal Reserve Board regulation that requires debt lenders to disclose all the specifics of a given loan. This was done to promote a level of credit protection for the underlying consumer. To file your complaint with the Consumer Financial Protection Bureau please write: Consumer Financial Protection Bureau Attn: Richard Cordray Consumer Financial Protection BureauP.O. Box 4503 Iowa City, Iowa 52244 Or send your letter by Fax (855) 237-2392 See the link below regarding the DriveTime settlement. http://www.autoremarketing.com/bhph/exclusive-drivetime-responds-8m-fine-cfpb Best Regards
My wife and I both don't have very well credit, so we were looking on the internet for a car dealer who would work with someone with less than great credit and JD Byrider was one of them. We went to the one in Boardman, Oh, after we inquired about a car on their website and a Miss Patti Courtney called us back to set up a meeting.
We got there about 15 mins after they opened. We were looking at a car when Patti came out and ask us if we were who she had a meeting with, which we said yes. My husband asked her how much were they asking for the car we were looking at, she told us to come in and we would get the paperwork started.
We went back and she started telling us about the company and a little bit about what JD Byrider does. As we were listening to her not once did she care to tell us anything about the car we were interested in or what kind of car we were even looking for. She then took some information from us, then took us to someone else to do the loan.
We were with the loan guy for a little bit, who asked us the same questions that Patti just asked us and had already entered into the computer. Then he sends us back into the lobby to fill out a sheet for 12 refrences. 12 people that they wanted to call to verify information about us.
We took one car out for a test drive and came back. We were both ready to sign final papers and go. We had already been there a hour and a half. When we went back in they had us going back and forth between the two, and yet no final papers. When they gave us the price it was way too high, they were asking over $14,000.00 for a 7 yr car! Our payments were to high every two weeks. We were told not even a day late would due either. Three hours later we had had enough and just left without the car or finalizing anything. They wanted us to stay at least an hour or two more. Needless to say, they are charging way to much for old cars and run you back and forth all day before they try to do anything to get your papers sone.
I had went to jdbyrider to look for a vehical and i had asked them to help me under stand the contract they did not do that they had me intils a this stuff i did not under stand i did not get to pick my own car they picked it for me not only that i have not had the car a full 30 days and ever since i got the car i had ben taking it back for repairs and then may 11 2014 i got into accident and jdbyrider was gonna settel for the value of the car and make me pay 6000 dollers for a car i dont have and 2 they want me to pay my car note on the 3rd when i dont even have a car and so i called them and told them how i felt and what they did to a specal needs person