Just curious, "Sam", but why did you decide to Google the phone number of this company and end up here?

And why are you defending a company that has committed at least one federal crime in the phone call described in the post to which you are responding?

I have been dealing with CNAC for a few yrs. now. Just like any loan company, if you don't pay your car payment they will call and/ or knock on your door looking to take their car back. Yes, their car. Until its paid off they still own it. I have paid my payment on time every month and they don't harass me. CNAC is not a fraud, it's the people who don't pay there car payments that make the company bad. So if anyone wants to accuse CNAC for harassment talk to the person not paying there bill. I have bought 2 cars from them with no trouble at all.

I also dealt with this woman today. She is calling from a restricted number, but leaving a callback number of 855-272-5711. She called both me and my parents, representing herself as Investigator Moore. She stated that she has a "badge number" 1244 and an identification number 200721001172 through the Ohio Department of Public Safety. She told my parents that I was about to be arrested on felony charges, because I had missed some car payments. I called her back at the above phone number, and she also told me that she was going to file felony charges in 2 different counties and have my parents subpoenaed unless I turned over my car to her representative immediately. When I told her that I had already made arrangements to voluntarily surrender my car, she told me that wasn't a possibility anymore. It had already escalated into a criminal matter, and that charges would be filed by the end of the day. The only hope that I had of avoiding criminal charges being filed was to immediately surrender the car to one of her representatives.

Of course, when I surrender my car, I would like to be certain to follow proper procedure to make sure that the car is actually surrendered to the proper person. (I was already planning to turn it in to JD Byrider on Monday morning, as the finance office is located at the dealership. I certainly wasn't going to hand it over today to someone else, without knowing who they were and that it would make it back to the dealer.)

She became irate when I calmly asked her a few verification questions to confirm what company she worked for and what their contact information is. She screamed and told me that I "have no right to know that information and that there's no reason she needs to tell me the name of her company." She screamed that "no one ever asks her those questions, and if I wanted information from her then that clearly showed that I had no intent of resolving the issue." She told me that she was going to hang up on me and I might as well contact a criminal defense attorney, because I had lost my last chance at resolving the issue with her.

Again, I calmly replied that I had every intention of resolving this issue, but my understanding is that it should be handled as a civil matter, not a criminal matter. I calmly asked her what the criminal charges would be. She started screaming again that I was going to have 4 felony charges and an arrest warrant against me before the end of the day.  However, she refused to tell me what the specific charges would be.  She said that the finance company had the choice to pursue it as a criminal matter instead of a civil manner, and that the company wasn't interested in going through civil court. If I didn't answer the door in a half hour, she would have me arrested.

I knew that what she was saying didn't sound right, so immediately after she hung up on me I called my attorney friend to ask what (if any) charges she could file. He advised that in our state there were no criminal charges that she could file - it would be a civil matter only, and the extent of my liability would be for any past due payments, fees, or balances remaining on the loan. I have a financial obligation, which of course I already knew, but there are no criminal charges that could be filed.

Since the attorney is a friend, he offered to call Kathy Moore and speak with her. Boy, she sure changed her tune when speaking with an attorney. She completely denied ever mentioning criminal charges or being arrested. Despite the fact that she told at least 3 different people (myself and both of my parents) multiple times that I was on the verge of being arrested and charged with 4 felonies. She flat out lied to the attorney, because she knows that what she did was wrong.

I have already spoken with a representative from the Ohio Department of Public Safety, Private Investigator Security Guard Services division. This person confirmed that Kathy Moore was acting outside the scope of what she would be permitted to do under her license number in Ohio. Actually, they couldn't confirm that Kathy Moore was even licensed under the ID number she gave me. There is a company with that license number - Secured Investigative Services, LLC - but they weren't certain whether Kathy Moore was truly a representative of that company.

The representative from the Ohio Public Safety Department walked me through how to file a complaint on line and said that it would be investigated by the enforcement division.

My next step is to file a complaint with the state Attorney General's office for her clear violations of fair debt collection practices.

I absolutely understand that the matter of the car and car payments needs to be resolved with the finance company. However, that doesn't justify Kathy Moore's shady business practices. I will not be working with her on this issue - thankfully, my attorney friend handled that aspect of it. I will be working directly with JD Byrider/CNAC to take care of this, and "Investigator Moore" is no longer allowed to contact me or my family. Any further contact she wishes to have needs to go through my attorney - of course, I doubt that she'll be contacting him anymore, because she can't make outrageous threats and scream at him.

i got a phone call from a kathey moore,lookin for my sister sayin that her car was in repo and they were trying to locate her.i told her i didnt no anything u are talkin about she told me my bday and ss number and where i lived  this was scary to me.she made it seem that
my sister was in a lot of trouble and was tryin to find her ,she told me if i didnt tell her or give her information about my sister i would go to jail... this lady is crazy everything she is doin is illigel!! her number aew...1.855.272.5711 AND 386.283.5904BEAWARE!!

.

I forgot to mention that they sell road hazards as they fraudulently announce each vehicle is  inspected, which is a lie; they sold me a car with no brakes, and the service technician did something to sabotage the vehicle, causing the engine to run completely hot with the tachometer in the red, where it did not do this before I took it to them -- My only mistake was going to them to purchase a vehicle; my only hope is that I find an attorney to sue them, regardless of whatever language is in that fake contract I signed, I don't care, I will find a way to take them to court, and I will go to every regulatory entity in existence until I learn they have been forced out of business.

JD Byrider and CNAC are criminals, they defraud people, the agents use abusive and threatening language, they send people to your residence to knock or ring incessantly, they call incessantly, they call your place of employment even upon announcing receipt of Cease and Desist -- They need to lose their license or otherwise be put completely out of business

OK ON 2/8/12 GOT A PHONE CALL FROM THIS WOMAN, CLAIMED SHE WAS FEDERAL INVESTIGATOR, KATHY MOORE, WITH THE DEPT OF PUBLIC SAFETY,  WORKING IN CONJUNCTION WITH WV STATE POLICE, OK AFTER LITERALLY HOURS OF RESEARCH I BUSTED THE [removed:lang].  HER NAME IS KATHY MOORE A PI IN MIDDLETOWN OHIO.  SHE EITHER WORKS FOR OR OWNS "SECURED INVESTIGATIVE SERVICES, LLC", 3481 S DIXIE HIGHWAY, #307, MIDDLETOWN, OHIO.   THE NUMBER SHE GAVE ME TO CALL WELL THREATNING ME OVER A RELATION OF MINE, IS 1-888-702-7340.  HER NUMBER ASSOCIATED WITH ADDRESS IS1-888-210-1389.  HERE IS A SHORT COPY OF MY JOURNEY AND THE REST OF THE INFO YOU NEED            1-ASSOCIATED WITH HILL AND ASSOCIATES , COLLECTIONS AND RECOVERY, PO BOX 4513, MARIETTA, GA 30061, PHONE NUMBER 770-499-1801.  I CALLED THEM AND PROCEEDED TO TELL THEM ABOUT HER IMPERSONATING A LAW ENFORCEMENT OFFICER, AND THAT I HAD CONTACTED WV STATE POLICE, PA STATE POLICE, THE FTC, AND PA STATE ATTY GENERAL OFFICE, THEY IMMEDIATELY GOT HYSTERICAL, SAID SHE'S NOT WITH THEM, AND ETC, TOO BAD SO SAD, I SAID, GIVE UP INFO, SO THEY SAID SHE WORKS FOR CNAC JDBYRIDER, YOU WANT THEIR NUMBER??  JD Byrider Systems, Inc.
12802 Hamilton Crossing Blvd.
Carmel, Indiana 46032
Phone:317-249-3000
Fax:317-249-3001
E-mail:info@jdbyrider.com



Customer Service
Phone:1-888-240-3595
E-mail:customerservice@jdbyrider.com
JD Byrider Customer Complaint Form


OK SO I CALLED THE PHONE NUMBER AND PROCEEDED TO GO THROUGH MY REPITOIRE, THEY GAVE ME THE LOCAL MORGANTOWN, NUMBER, WHO I CALLED, WHO GAVE ME THE CNAC NUMBER  317-249-3100, I CALLED THEM THE WOMAN TOLD ME, SHE DOESNT WORK FOR US ANYMORE, WE USED HER FOR CONTRACT WORK, AFTER PRESSURE FROM ME SHE GAVE ME THE SECURED NAME, I LOOKED UP ADDRESS.  THIS SAME WOMAN GAVE ME THIS KATHY'S BADGE NUMBER-101, AND HER LICENSE NUMBER AS A LICENSED PI IN STATE OF OHIO-200 721 001172.  I THEN CALLED STATE OF OHIO DEPT OF PUBLIC SAFETY, AND THAT LICENSING OFFICE  TO FILE A COMPLAINT- THAT NUMBER IS 614-466-5389.   I ALSO URGE YOU TO CALL YOUR POLICE DEPT THAT SHE CLAIMS SHE IS WORKING WITH, YOUR STATE ATTY GENERAL OFFICE, AND THE FTC.  -877-FTC-HELP (1-877-382-4357);
 LETS BUST THIS [removed:lang]!!!!

They call themselves "investigators", however, you can hear in the background commotion other calls being taken. They do not have up to date info so they will call last number listed trying to get in touch with their client. They are rude and presumptious. Do not give info unless otherwise is your debt, and even that is a toss up.

If debt collectors are calling you all the time, that's called harrassment. It's against the law, it?s called the FDCPA. There are lots of things they can't do, like tell anyone besides you about the debt, say that you're going to be arrested about it, pretend to be a law office, or even swear at you, as well as quite a few other things. The FTC has that information. I have filed two suits against these collectors and won them. I had used Mark Carey ant his phone number is 877-909-MARK.

A woman claiming to be Inspector Moore called my number inquiring about a family member.

She tried to intimidate me by stating my date of birth and told me that my family member needs to contact a criminal attornery.

My family member paid off the car in question months ago.  Sadly that company (JD Byrider) also has an extremely unsavory reputation so it's not surprising that they would use a shady outfit for their debt collection.

well i spoke with this investiagator moore who called my parents and ex g/f and said she was looking for my truck and she is a *****.  i had moved back home to jacksonville and ive missed a few payments but i aint been working.  i figured shes a scam collector or from the car company so i called the police and they said they would call her to stop harrassing me. then they called ME back and they said she was a licensed pi the bank hired to find my truck and then asked where it was???? this is b/s!!!!!!!!!!!! i bet she has a friend at the jso.

"Scott" has called me , my mother, both of my 85+ year old grandmothers, my landlord. Same thing, I'm behind on my truck payments, threatened my grandmother, told her I was charged with a Felony, there was a subpeona for her, and if she didn't show up she would be arrested for contempt. Now they're blocking caller id info, but leave this # as a call back number. This isn't new, (It is for me), but see also http://800notes.com/Phone.aspx/1-800-427-7193 They're using a different number now, guess things got too "hot" for them. What they don't know is I'm an ex-cop, 7 years on the thin blue line, worked for a lawyer as a LEGAL investigator, 2 cousins who are now attorneys. GAME ON !!!!!

A STUPID LADY NAME CATHY MOORE OR SO SHE CALIM TO BE,CALLED MY PHN # SHE GAVE ME MY NAME AND DATE OF BIRTH.AND AN ALIAS THAT I USE ON MY JOB,LITTLE THAT SHE KNOWS I AM A BILL COLLETOR AS WELL.THIS FEMALE SAID SHE WAS TRYING TO REACH SOMEONE ABOUT AN INVESTIGATION OF A VEHICLE.I ADVISED HER THAT HAS NOTHING TO DO WITH ME IT SOUND AS IF I AM BEING INVESTIGATED,BECAUSE SHE KNOW MY NAME PHONE NUMBER AND DATE OF BIRTH,I SAID DO YOU REALLY THINK IF I KNEW WHO YOU WAS LOOKING FOR I WOULD TELL YOU AS DISRESPECTFUL AS YOU ARE.IT IS NOT MY JOB TO LOCATE ANYONE FOR YOU.SHE SAID I'M GONNA SUMMONS YOU TO COURT TO TELL ME WHAT I WANT TO KNOW.I TOLD HER TO REMOVE MY PHONE NUMBER AND NOT TO CALL ME AGAIN.SHE BECAME VERY DISRESPECTFUL AND STARTED YELLING AND WANTED TO TALK TO ME AS IF I HAVE WHAT SHE IS LOOKING FOR,A PERSON LIKE THAT GIVE ALL OTHER BILL COLLECTORS A BAD NAME.SHE IS I TOTAL LOOSER,I WONDER WHAT ROCK THEY FOUND AKA CATHY MOORE UNDER,I'M SURE THAT IS NOT HER REAL NAME.AND SHE APPARENTLY HASN'T MET HER QUOTA FOR THE MONTH.THE WITCH !

The person called me and said they were Kathy Moore Investigations. and wanted to know if I knew a Magie Robinson from shinnston and when I told them no they got really rude and said are you sure you don't know her she had your name and s.s. number and birth date on a family loan application. and ofcourse I told them I have no idea what your talking about and they hung up the phone. they have been calling my house for the last 2 weeks and now I see that this is a collection agency

File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY ? use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE?S CRACKING DOWN AND SHUTTING THEM DOWN!

Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies ? report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
http://www.budhibbs.com/start.html


Statute of Limitations by State ? always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm


Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website ? FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you?re behind in paying your bills, or a creditor?s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation?s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn?t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they?re told (orally or in writing) that you?re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter ? even if you don?t think you owe the debt, can?t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don?t want the collector to contact you again, tell the collector ? in writing ? to stop contacting you. Here?s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a ?return receipt? so you?ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don?t have an attorney, a collector may contact other people ? but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written ?validation notice? telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don?t think you owe the money.

Can a debt collector keep contacting me if I don?t think I owe any money?
If you send the debt collector a letter stating that you don?t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
    use threats of violence or harm;
    publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
    use obscene or profane language; or
    repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;
    falsely represent that they operate or work for a credit reporting company;
    misrepresent the amount you owe;
    indicate that papers they send you are legal forms if they aren?t; or
    indicate that papers they send to you aren?t legal forms if they are.

Debt collectors also are prohibited from saying that:
    you will be arrested if you don?t pay your debt;
    they?ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
    legal action will be taken against you, if doing so would be illegal or if they don?t intend to take the action.

Debt collectors may not:
    give false credit information about you to anyone, including a credit reporting company;
    send you anything that looks like an official document from a court or government agency if it isn?t; or
    use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
    try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt ? or your state law ? allows the charge;
    deposit a post-dated check early;
    take or threaten to take your property unless it can be done legally; or
    contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don?t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don?t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don?t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
    Social Security Benefits
    Supplemental Security Income (SSI) Benefits
    Veterans? Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members? Pay
    Military Annuities and Survivors? Benefits
    Student Assistance
    Railroad Retirement Benefits
    Merchant Seamen Wages
    Longshoremen?s and Harbor Workers? Death and Disability Benefits
    Foreign Service Retirement and Disability Benefits
    Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
    Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can?t prove that you suffered actual damages. You also can be reimbursed for your attorney?s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector?s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General?s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General?s office can help you determine your rights under your state?s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government?s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad
February 2009

Someone named Scott called from "Investigator" Kathy Moore's office and stated that he was looking for my sister.  He stated he was investigating a grand theft auto case and that I would be subpoenaed if I didn't tell him where I could find her and/or the car.  I told him i didn't know anything about any of that and he stated that it doesn't matter that I would be subpoenaed anyway and I could go to jail if I didn't tell him what he wanted to know.  He then turned very ugly and started cussing and telling me I was probably driving the "stolen" car.  These people are rude, liars and immoral!  Beware!!!