Payday loan, title loan, personal loan, or advance loan -- Charged fees or interest you didn't expect -- Complaint #10977180
Complaint Overview
Complaint ID: 10977180
Company: Duvera Billing Services, LLC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-Product: Installment loan
Issue: Charged fees or interest you didn't expect
State: Pennsylvania
ZIP Code: 152XX
Date Received: 2024-11-29T12:00:00-05:00
Date Sent to Company: 2024-11-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I was at XXXX XXXXXXXX XXXX XXXX getting my car fixed and the owner brought up a payment. Plan from a company called Easy Pay Finance. He had me sign an online document to get installments of {$190.00} biweekly. I was told that there would be a bit of an interest rate after 90 days if my loan wasnt paid off by then. I only had {$2400.00} to pay off and I assumed the {$190.00} biweekly would pay it off within the 90 days however, the finance company made it so that I barely hit my mark by the 90 days and charged me an interest rate of 173 % along with several other fees. Instead of starting the interest rate on the 90 days, they took {$960.00} out of the 2000 that I had already paid and put that towards interest, then charged me {$9.00} every single day that I dont pay the {$2400.00} off. Mind you I had already paid {$2000.00} but when they took the XXXX away it made it so that I still had {$2000.00} left to pay. I am a XXXX XXXXXXXX XXXX working full-time and still barely making ends meet. I found out about this in late XXXX, a few days after the interest kicked in. I called the company and theyre not willing to work with me and told me theres nothing they can do about it. I had {$2000.00} almost exact to pay from XX/XX/XXXX I believe when I last called them. After never missing a payment of {$190.00}, I still have {$1000.00} left to pay. At this point I might just starve because I literally cant afford anything else. Please. I need help. This isnt at all fair. After looking at the reviews it appears that everyone that used this finance company has been bamboozled out of thousands of dollars from a small loan amount. We all need justice. Again this company is called Easy Pay Finance and it preys on people who cant afford things and makes it so that they will never make it through a paycheck without being in debt. I couldnt even access my contract. Ive tried many times. XXXX XXXX XXXX XXXX and I have no idea how to get out of this dilemma. I dont want my hard earned good credit to be effected by this.
Frequently Asked Questions
What is Complaint #10977180 about?
Complaint #10977180 was filed against Duvera Billing Services, LLC regarding Payday loan, title loan, personal loan, or advance loan specifically about Charged fees or interest you didn't expect. It was received by the CFPB on 2024-11-29T12:00:00-05:00.
How did Duvera Billing Services, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Payday loan, title loan, personal loan, or advance loan) and describe your issue in detail.
Can I see other complaints against Duvera Billing Services, LLC?
Yes, visit the Duvera Billing Services, LLC company profile at readthecomplaint.com/company/duvera-billing-services-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.