Duvera Billing Services, LLC

2018-05-23

Mission, AZ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-04-21

San Jacinto, CA

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Installment loan

Complaint: My wife and I used a company called XXXX XXXX to rebuild an engine on our vehicle. Because the amount was more then we could afford to pay up front, XXXX XXXX suggested we use their finance company called XXXX XXXX XXXX. I applied for the credit on XX/XX/2018 and was approved for the 90 day same as cash. Yesterday ( XX/XX/2018 ) my first payment came due for XXXX XXXX to withdraw the agreed amount from my bank account. At XXXX I received a text stating they need my help regarding a returned payment. I called them back and they said because I gave them the wrong debit card number I no longer qualify for the 90 same as cash. The card number was correct except the very last number instead of a XXXX it should have been a XXXX. I did not fill out the information on the application it was done over the phone with the guy from XXXX XXXX. He told me he already had my correct debit card number because I gave it to him to pay for the application fee. I also have two receipts showing that he had the correct debit card number because he used it to charge a {$500.00} deposit and to run the {$90.00} application fee. He then emailed the contract for me to review and digitally sign, which I did. However I did not see the mistake when I reviewed it. I knew nothing about the input error and have tried to correct it. I have talked to three different people people at XXXX XXXX XXXX and they refuse to honor the 90 same as cash.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-04-16

Chicago, IL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: THIS ACOUNT HAS BEEN DISPUTD BEFORE AND SHOULD NOT BEEN MY MY CREDIT FILE, THIS COMPANY IS UNKNOWN TO ME AND DOES NOT HAVE AUTHORIZATION TO HAVE MY PERSONAL IDENTIFYING INFORMATION UNDER FEDERAL LAW, AND FDCPA GUDELINES.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-04-12

Camden, NJ

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Installment loan

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-12

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Payday loan

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-06

Superstition Mtn, AZ

Problem when making payments

Payday loan, title loan, or personal loan: Installment loan

Complaint: On XX/XX/2018, XXXX XXXX XXXX XXXX XXXX fraudulently obtained a loan at XXXX XXXX XXXX and arranged by XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the purpose of repairing her car. After receiving a copy of the loan documents and seeing that my name was forged on the note I filed a Police report. The report along with an Affidavit of Fraud and copy of my ID were emailed to XXXX XXXX XXXX so that my name could be removed. They subsequently informed me that they had send a verification code to my cell phone which XXXX XXXX had been borrowing since hers was not working and she apparently also responded to the code. I had never consented to the loan and 2 days after the loan I discovered that XXXX XXXX had attempted to negotiate a personal check on my account and fraudulently signed by her for XXXX XXXX.A Police report was made on the check fraud which she admitted to police that she had done. She had been staying with us temporarily while waiting for a house was readied for her to move into. I had trusted her and she had access to everything in my home.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-05

Arco, CA

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Pawn loan

Complaint: I had took out some rings with XXXX XXXX I finished paying them off and never showed up in my credit .I decide to trade in one of the rings for a gold chain which left me with a remaining balance of XXXX which i did a payment of XXXX dollars a month when. I was done paying what was owe they kept charging me told me that they had got a lender from somewhere else and was never informed that they were going to do that. I went to complain why did I still owed they told me that they didnt know why they had got another lender when I had enough credit with them that they werent able to help me that I had to deal with the lender I talk to the lender and wanted me to pay exaggerating amount that what I had payed was just interest and the nothing went towards my actual balance.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-27

Iselin, NJ

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Payday loan

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-26

KS

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Installment loan

Complaint: I entered a loan with XXXX XXXX ( Duvera ) in XXXX when purchasing a puppy from XXXX in XXXX of 2017. The details were {$2500.00} loan with $ XXXX monthly payments with no interest. However as I look at my account there is an interest rate of 151 % and they have put my balance at {$2400.00} while I have paid {$1500.00} and they have charged me for {$1400.00} in interest. This is not correct and I was informed multiple times there was no interest. I have called XXXX and they have said they can do nothing about the interest accumulated and were very difficult to even talk to.I told them that I was told there was no interest when agreeing and asked what can I do to finish paying off my loan with no interest like we agreed upon. I am unsure what to do now. I want to pay off the remaining {$900.00} I owe on my loan but will not pay the {$1500.00} plus in interest that was never talked about or agreed upon.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-17

Santa Ana, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: Numerous times I have contacted both the collection company and the credit reporting agencies that incorrectly report this account that is clearly identity theft. I have never chosen to do business with this company and when I called them to report the identity theft as most collection companies do, they laughed it off. As required by the FCRA and identity theft laws This account should be reported as identity theft and removed immediately from all credit bureaus and less the company can miraculously provide definitive proof the count to belongs to me. I have been falsely threatened and accused by this debt collection company less threatened to tell coworkers or file legal action that could result in criminal prosecution. As stated before I am the victim of identity theft and not the criminal in this company should be XXXX XXXX from such actions against victims.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Untimely Response

2018-02-14

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Installment loan

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-22

Quartzsite, AZ

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Personal line of credit

Complaint: Had to get our transmission fixed in XX/XX/XXXX. Applied for credit for {$1500.00} through XXXX on XX/XX/XXXX. The manager said if we pay off everything by XX/XX/XXXX everything should be fine. He let us know that the payments would be {$200.00} a month. Come to find out it was at a 151.99 % interest rate for the next 24 months. We have now paid {$1400.00} and only {$91.00} of that has gone to the principle, leaving {$1300.00} paid in interest. I feel that in our time of need, XXXX XXXX took advantage of us and we will pay more than double the amount of which we borrowed.We have paid on-time continuously and are left in debt because of it.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-08

Colts Neck, NJ

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Installment loan

Complaint: I purchased a living room set ( XXXX ) approximately mid XX/XX/XXXX. I made a down payment of {$460.00} on XX/XX/XXXX. Financing the remaining {$1500.00} with " XXXX XXXX XXXX '' ( XXXX XXXX XX/XX/XXXX ). The furniture was delivered on XX/XX/XXXX.The agreement was {$180.00} per month for 3 months only to pay a {$40.00} fee if loan ( {$1500.00} ) is paid off in it 's entirety. I made 2 payments ( {$180.00} each ) XX/XX/XXXX & XX/XX/XXXX. I realized I was unable to pay the remaining balance of {$1100.00} in it 's entirety within the 90 days. I go back to my contract to review terms and conditions to realize I 'm going to Incur an exuberant interest rate of 130 % on the remaining balance. I did contact the lending company to verify this rate being accurate as the representative confirmed it was and that it was ok for them to charge me this ridiculous interest rate. XXXX XXXX XXXX where I purchased the set from actually filled out information online ( sight unseen ) on my behalf only asking me to confirm certain basic information such as name address bank account info excreta. I would have never guessed I was being set up for usury, because I would have never signed up for a 130 % interest agreement. This was never brought to my attention quite naturally because they would n't have gotten the sale. I communicated with the owner of XXXX XXXX and he completely denied any responsibility for the situation. Thank you in advance for your considerate attention in this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-04

Temperanceville, VA

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Installment loan

Complaint: i am an XXXX XXXX service member, and i had a transmission go out in my vehicle. i took my truck to a local shop to have the transmission fixed. the company had companies that they had that would give you a loan to pay for the repairs since i could n't afford it at the time, and i got approved with duvera. after a couple of statements, i saw that i was getting charged nearly 96 % APR and that was outrageous. i call the company and told them i was a service member and that i could n't get charged that much for APR and they said they would fix it but nothing has happened. i opened the account XXXX XXXX, 2015 and after 2 years I 've only been able to pay down about XXXX dollars from my original loan and its been 2 years. i still owe about 80 %.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief

Timely Response

2017-12-14

New Britain, CT

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-12-06

San Jose, CA

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: I still see the following on my XXXX credit file : XXXX {$4200.00} Account : XXXX It was removed from my XXXX and XXXX file and needs to be removed from my XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-12-04

Betsytown, NJ

Struggling to pay your loan

Payday loan, title loan, or personal loan: Installment loan

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief

Timely Response

2017-11-19

Dolton, IL

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-07

Avondale, AZ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-07

Moreno Valley, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Closed with explanation

Timely Response

2017-11-05

Plymouth, FL

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Personal line of credit

Complaint: I purchased a dog for {$2500.00} from XXXX XXXX XXXX in XXXX XXXX. I applied for financing through EasyPay Finance, which was approved. However, they charged me an annual interest rate of 130 %. I recently paid off the loan, because of the egregious interest rate. I ultimately paid {$4000.00} total, {$2500.00} for the original purchase amount and {$1500.00} in interest.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-21

Philatelic Center, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: On the date of XXXX/XXXX/XXXX I had transmission work done on my XXXX XXXX truck by XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX, XXXX, CA XXXX, XXXX, independently owned XXXX XXXX. My total cost of the repair was {$3700.00}, I paid {$1200.00} down, which me a balance of {$2500.00} The owner told me about this company called XXXX XXXX and if I could pay them off in 90 days I would not be charged any interest, he told me the interest was high but failed to mention it would be 152 %. I never got a written statement disclosing the finance charges, the next thing I knew they took a payment from my account without my consent. They send me an email right when they where taking my money. Company name is XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, ( XXXX ) XXXX I was told by my legal representative to contact you concerning this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-03

Lucas, TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-13

Avondale, AZ

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-08-21

Carlsbad, CA

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response