Payday loan, title loan, personal loan, or advance loan -- Charged fees or interest you didn't expect -- Complaint #17871457
Complaint Overview
Complaint ID: 17871457
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: Arizona
ZIP Code: 85745
Date Received: 2025-11-18T12:00:00-05:00
Date Sent to Company: 2025-12-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In early XXXX, I obtained a XXXX loan through an auto repair shop to finance necessary vehicle repairs. The loan was offered directly by the shop at an annual percentage rate of approximately 169 %. I was informed that if the balance was paid in full within 90 days, the transaction would be treated as same as cash, and no interest or additional fees would apply. I used the loan solely for the authorized repair charges. On [ date ], well before the expiration of the XXXX period, I paid the outstanding balance in full. After payment posted, my online account reflected a XXXX balance, with no pending charges or remaining obligations. Following confirmation of the XXXX balance, I requested that the creditor close my account and provide written verification showing the account was fully satisfied. On XX/XX/year>, the company declined to close the account and refused to issue written confirmation. During this process, I learned that the company routinely keeps accounts open even when paid in full and later applies additional fees or charges, despite the consumer having met all payoff terms. Given the unusually high interest rate and the companys refusal to close a zero-balance account, I am concerned that these practices create risk of improper future charges and XXXX constitute unfair or deceptive practices. I am submitting this complaint so that it XXXX be published on XXXX to alert other consumers to these issues.
Frequently Asked Questions
What is Complaint #17871457 about?
Complaint #17871457 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 2025-11-18T12:00:00-05:00.
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.