|
11180464
|
2024-12-17
|
Problem when making payments
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Problem when making payments
|
| Timely |
Yes
|
| Company |
Duvera Billing Services, LLC
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2024-12-17
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-17
|
| Consumer Consent Provided |
N/A
|
|
|
10809385
|
2024-11-16
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Duvera Billing Services, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-16
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11452592
|
2025-01-09
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Duvera Billing Services, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-09
|
|
|
11315406
|
2024-12-29
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Duvera Billing Services, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-29
|
|
|
11307085
|
2024-12-28
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Duvera Billing Services, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-28
|
|
|
11149167
|
2024-12-14
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Duvera Billing Services, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-14
|
|
|
10960161
|
2024-11-27
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Duvera Billing Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Other debt
|
| Date Received |
2024-11-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-27
|
| Complaint What Happened |
I took a loan in XX/XX/year> from Easy Pay Finance to purchase a dog. When I signed the contract I wasnt informed about the skyrocketing interest rate of 178,99 %! Everything was in very small letters and not properly disclosed! The loan was for {$230000.00} and I already paid back over {$3000.00} but still owe them {$1800.00}! I spoke to the company representatives and supervisors explaining that they tricked me but they said they cant do anything about it! I have never heard of such a high interest rate! Is it even legal?
|
| Consumer Consent Provided |
Consent provided
|
|
|
7795026
|
2023-11-02
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Duvera Billing Services, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-11-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-09
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6287468
|
2022-12-06
|
Charged fees or interest you didn't expect
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Charged fees or interest you didn't expect
|
| Timely |
Yes
|
| Company |
Duvera Billing Services, LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Personal line of credit
|
| Date Received |
2022-12-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-06
|
| Complaint What Happened |
I financed a puppy through a company called XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I paid {$2200.00} in cash and financed {$1000.00} through a company called XXXX, at the location. I was approved for {$1000.00} which I used to purchase the puppy. I was not given any paperwork or explanation on the loan process. Five payments later the company tells me I have been paying off the interest and not the loan. Therefore I still have 7 payments left. The store failed to explain the contract of the loan. I would not have taken it out had I known I would not have it paid off in 5 payments, like I originally thought. I felt like he didnt tell me the terms of the contract purposely.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5785068
|
2022-07-18
|
Charged fees or interest you didn't expect
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Charged fees or interest you didn't expect
|
| Timely |
Yes
|
| Company |
Duvera Billing Services, LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2022-07-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-03
|
| Complaint What Happened |
In XXXX of 2022, my fianc and I purchased a puppy from XXXX XXXX in XXXX XXXX Florida. The total amount of the dog and supplies came to {$3000.00} total. I had paid {$1000.00} down and the store clerk advised that we could finance the rest thru a company called XXXX XXXX. What a mistake I had made as if I would've known the type of company this was, I would have never agreed to this. The clerk advised that the first payment would be significantly higher but the remaining payments would total to about {$200.00} per month, in which we agreed that would work for our budget. The first payment bill came in the following month, XX/XX/2022 for {$370.00}. I paid this amount in full leaving a credit balance of {$1600.00} according to ledger. The second bill came in XX/XX/2022 for the same amount of {$370.00}, not the {$200.00} we had agreed to. I immediately contacted XXXX and advised that this is not what I agreed to and not within our budget. Of course, customer service was completely unhelpful and tried to blame the merchant for the incorrect amounts. Nothing was resolved. I advised them to stop auto draft on my bank account as this would send me into overdraft having this {$370.00} taken out. I did not make another payment after that. On XX/XX/2022, a man from XXXX contacted me and stated that if I agreed to pay {$100.00} on that day and then a monthly auto-draft of my checking account of {$180.00} then my account would be back on track and would have no outstanding, late balances or credit reporting. I agreed and made the {$100.00} payment that day which then left a balance on my ledger of {$1500.00} owed. The following week, on XX/XX/2022 I received an email from XXXX with my new account ledger stating that the total amount now owed was {$2500.00}. I nearly fell out of my chair. I was charged an additional {$1000.00} for setting up this new payment agreement. Of course, I called in several times and spoke with several supervisors all of which refused to help me get this issue resolved. They informed me that there is some sort of " fine print '' somewhere that states they can now charge me 184 % interest for renegotiating this loan ; of course I never received or was told this when I agreed to the new arrangement. I even offered to make the full payment of the {$1500.00} owed and settle this amount as I am trying to buy a home right now and I do not want this unfair debt on my credit report. Again, they refused payment and demand the full {$2500.00} to settle the loan. That is more then I originally even financed to begin with. I have also made a complaint with the XXXX XXXX XXXX and to my surprise, I am not the only one who they are scamming. There are complaints, after complaints of this company continually doing this to people. At this rate, they are charging me almost {$10.00} a day in interest and I will never be able to pay off this loan. This company needs investigated and shut down as this is nothing but a scam.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5897327
|
2022-08-19
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Duvera Billing Services, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-08-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-19
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5678701
|
2022-06-17
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Duvera Billing Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Other debt
|
| Date Received |
2022-06-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-17
|
| Complaint What Happened |
Duvera is reporting to XXXX, XXXX and XXXX that I owe them {$3000.00}. Im not sure how they got to these calculations because I never did business with them. I been disputing this account since 2021 and haven't gotten any response from them besides an attempt to collect on the alleged debt. They had 30 days to complete the reinvestigation, yet they have failed to respond. Its been 6 months any further delays are inexcusable. I have been more than patient with this company. It is unfair and its like I have no rights over my report. Please remove this account from my credit report. They have not provided me any facts that I owe them money. They need to successfully discard the debt or seek a different type of remedy besides ruining my credit.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5850098
|
2022-08-06
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Duvera Billing Services, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-08-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-06
|
| Complaint What Happened |
The company DUVERA Billing Services , LLC, ending account number : XXXX, reported in my credit report this account and I did a claim with XXXX because that is incorrect, This account is not mine, one year ago I spoke with them for a service loan for {$800.00} dollars, never {$3900.00}, when I saw this amount I called them and I did the claim, that is a fraud.
I need this company remove this account of my credit report because is not mine.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3255685
|
2019-05-28
|
Charged fees or interest you didn't expect
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Charged fees or interest you didn't expect
|
| Timely |
Yes
|
| Company |
Duvera Billing Services, LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2019-05-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-05-28
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
The company name is XXXX with the website XXXX appears in my credit report as Duvera. The interest rate is 151.97 %. From the {$1000.00} dollars I owed when I bought the dog in XX/XX/2018, I owe approximately {$980.00} though I have paid always on time with an autoplay plan every two weeks all this time for {$65.00} each payment. This means that a total of XXXX has been paid until today. But I still owe about the same.
I went to buy a dog at XXXX XXXX. A mixed breed dog. I saw this place which offered financing and went in. My family was waiting for me and they made me wait at the store for almost 2 hours stating others where filling the paperwork for financing. When I finally got to do the financing, I was just hurrying to leave. My family needed to eat and I was 30 minutes away from home. I signed out the paperwork in a rush and did not realized how high the interest was. I was just in a hurry to get out of there and trusted no one would commit usury in our state since it is unlawful. When I got to the time where there's no more no interest charges, I realized my debt had gone back to the beginning balance and I think even higher. then I call and ask the interest fees at which point I find out it was 50 %. My credit is not as bad as to deserve this ridiculous amount of monthly interest. I called and asked to talk to someone who could lower my interest and advised them this is unlawful. The person said there's nothing they can do since I signed for that. There where two different loans offered by the seller and she pushed this one. She filled out something in front of me where I could see she was getting a gift card. It seems like they pushed this loan in order to gain the gift card. That was fishy and I asked about the gist card. She said it was some competition they had related to the loans and sales. I do not deserve this usury high interest. It is against the law in out state. Florida Usury Laws Under Florida statutes, usury is defined as the charging ( whether paid or not ) of interest that exceeds 18 percent on loans, lines of credit, advances of money or any obligation of amounts up to {$500000.00}, and that exceeds 25 percent for transactions involving amounts totaling more than {$500000.00}. Loans with an interest rate between 25.01 percent and 45 percent are criminally usurious misdemeanors, while a rate above 45 percent is punishable as a third-degree felony. The challenge with avoiding a potentially usurious transaction lies in the intricacies found in the agreement, the characterization of the various fees reflected in the agreement, and, in some instances, the determination of whether the agreement is intended as the acquisition of an equity interest in the venture or the issuance of a debt obligation.This company thinks that a persons signature protects them when braking the law. I did not resigned my lawful right to be treated equally and to charged according to our state 's laws.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10118620
|
2024-09-13
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Duvera Billing Services, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Investigation took more than 30 days
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-09-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-18
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3153548
|
2019-02-15
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Duvera Billing Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2019-02-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-02-25
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I went to a puppy shop bought a shih Tzu and was told everything was ok with the dog I advise after the vet came to my home from there shop the dog was acting funny and it wouldn't eat and was basically laying around not full of energy. So I took the dog to the vet they advise they would need to do a serious of test that would cost me over a {$1000.00}.
I than went the animal care and control to have the puppy look at and they gave a shot of antibiotic to see if that would help I than paid for blood work for {$280.00} the vet advise I should take o dog back I call them while there and they said you only have 2 days to return the dog. That is not a enough time to see if a puppy would get sick and die. After the puppy was found laying outside of the cage with light breathing I was force to take him to XXXX XXXX for cremations me and my XXXX old daughter was devastated from all this with a puppy that was apart our family. I than began getting phone calls from a gentleman about making payments I advise I never got a call back from this puppy place and now you want me to pay with a 30 % interest rate maybe more so I told him if he send something writing to accept {$1000.00} I would pay it and be done never herd from again. One evening starting getting calls from this guy again when I told him in writing cease all calls he went to calling from different numbers saying I'm calling them which was false I want to make complaint and investigation on this company as well as the 3 Credit bureaus for not given me proof to validate this date with a contract and payments that were paid into this account and why are the credit bureaus still reporting late payment when the account is charge off. See below for amount and date open.
Complaint against XXXX and XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Your XXXX XXXX XXXX Statement is Available XXXX via XXXX Mon, XX/XX/2017, XXXX XXXX Accont Number..
Merchant Name.XXXX XXXX Payment Amount : {$240.00} Payment Date : XX/XX/2017 Date of First Payment : XX/XX/2017 Monthly Payment Amount : {$240.00} Term : 24 {$4800.00} Total Charge off Date open XX/XX/2017
|
| Consumer Consent Provided |
Consent provided
|
|
|
2720976
|
2017-11-05
|
Charged fees or interest you didn't expect
|
Payday loan, title loan, or personal loan
|
|
| Tags |
Servicemember
|
| Issue |
Charged fees or interest you didn't expect
|
| Timely |
Yes
|
| Company |
Duvera Billing Services, LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Personal line of credit
|
| Date Received |
2017-11-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-11-08
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10203731
|
2024-09-22
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Duvera Billing Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2024-09-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-22
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2046461
|
2016-08-04
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Duvera Billing Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-08-04
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-08-07
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
N/A
|
|
|
2046081
|
2016-08-04
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Duvera Billing Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-08-04
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-08-15
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
N/A
|
|
|
7937837
|
2023-12-02
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Duvera Billing Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Other debt
|
| Date Received |
2023-12-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-02
|
| Complaint What Happened |
In XX/XX/XXXX a dog was purchased using my information. I discovered this in XXXX of XXXX. I then found other accounts that had been opened using my identity. XXXX XXXX sold this debt to Duvera. I have been disputing and fighting this debt since then. I reported the identity theft and had this account removed from all XXXX credit reports. XXXX has now added this back twice to my account with no notice given to me. I have requested the information regarding this debt to be sent to me on XXXX different occasions from XXXX and Duvera. Neither has supplied this information to me. I did not open this account, I do not know who opened this account. I have reported this to the local police department and the FTC. I have an identity theft and police report regarding the identity theft. I have done everything I am supposed to, but have not received any information from this company.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7816651
|
2023-11-07
|
Getting the loan
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Getting the loan
|
| Timely |
Yes
|
| Company |
Duvera Billing Services, LLC
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2023-11-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-10
|
| Complaint What Happened |
Went ti this company to apply for a load to get my truck fixed was approved for {$2700.00} at a interest rate of 179 % this is criminal
|
| Consumer Consent Provided |
Consent provided
|
|
|
10655769
|
2024-11-01
|
Charged fees or interest you didn't expect
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Tags |
Older American
|
| Issue |
Charged fees or interest you didn't expect
|
| Timely |
Yes
|
| Company |
Duvera Billing Services, LLC
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2024-11-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-01
|
| Complaint What Happened |
I purchased a beagle and was advised I could put the rest of the purchase on Easy Pay Loan. I thought the interest was 29 %. I paid a down payment and when I checked by bills months after paying XXXX EASY PAY FINANCE is charging a usurious 199 % interest for the loan for XXXX XXXX XXXX I left a down payment for the dog and when I got my financing hardly anything was applied by the XXXX. I have been paying for the dog since XXXX {$110.00} bi-weekly. I bought the dog because my husband 's beagle is older and to keep my XXXX XXXX company. I had no idea that I would be paying almost {$230.00} a month for two years. I was told a year and I would finish paying the balance which was a little over {$1000.00}.
This company is abusing people that want to purchase a dog and lying to them to boot. I I should have paid the pet already and I still owe almost {$900.00} with no end in sight.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7961920
|
2023-12-07
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Duvera Billing Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Called before 8am or after 9pm
|
| Sub Product |
Auto debt
|
| Date Received |
2023-12-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-19
|
| Complaint What Happened |
XXXX XXXX XXXX ( Duvera ) intentionally made themselves impossible to communicate with during the global pandemic at the very beginning of my loan. Most agents did not fully communicate in English, misunderstood perhaps intentionally, and debited my accounts on wrong dates/dates not agreed the first two payments. There were hold times of almost two hours, and it was heartbreaking when the agent obviously couldn't fully communicate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for them to pick up. In hindsite, they intentionally caused the loan to default so I would pay a year of interest before I was elligible to pay the principal. They were obstructive at every step and are predatory, and I'm sure tactics are illegal. I was victimized by this company.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8179207
|
2024-01-18
|
Charged fees or interest you didn't expect
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Charged fees or interest you didn't expect
|
| Timely |
Yes
|
| Company |
Duvera Billing Services, LLC
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2024-01-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-18
|
| Complaint What Happened |
This company is charging an illegal amount of interest on the loan that they provided for the purchase of my dog from my family. I did not realize that they were charging 139 % interest when I started doing a little research after getting the loan I found out that it is against the law and it is usery laws. I contacted the company asked them to confirm what my interest rate was. They confirmed that it was 139 %. I advised them that that it was illegal to charge that amount and the person that I was talking to was a supervisor and said that he didnt know that it was illegal. I asked him what they were going to do about it and he didnt seem to know what to do so I put a stop payment on any payments going to them and told them I would be contacting the consumer protection bureau and the XXXX XXXX XXXX and any kind of government agencies that could help with this to put a stop to this predatory lending.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8310287
|
2024-02-08
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Duvera Billing Services, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-02-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-08
|
| Complaint What Happened |
I am in the process of trying to get a home and these negative items are significantly affecting my credit report and hindering me from getting a preapproval to have a secured place for me and my XXXX children this is a URGENT REQUEST. My home has mold and we are being exposed we are in need of a new place immediately. I have sent multiple letters to get these negative items off my report and they have failed to do so. I am in a health emergency please.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7943229
|
2023-12-04
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Duvera Billing Services, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Investigation took more than 30 days
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-12-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-07
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9896280
|
2024-08-22
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Duvera Billing Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2024-08-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-22
|
| Complaint What Happened |
This company provided an installment contract from XXXX BANK.
XXXX XXXX XXXX did not provide a signed contract with my signature as XXXX XXXX XXXX they also did not provide a breakdown of how they calculated the debt to be {$4200.00}.
This is not proper debt validation this is fraudulent practices and violates my rights under FCRA law.
This company is know for their deceitful practices and wrongful debt collection practices.
I am requesting a signed contract with my signature and XXXX XXXX XXXX as the named lender over the contract the provided documents are tampered with and fraudulent.
I am requesting the charge off amount as well as the alleged amount owed and the breakdown of how this was calculated.
I am requesting a payment ledger of all payments received, the dates of the payment made towards this alleged debt.
I am requesting the payment dates I am requesting the close date of this account and the actual charge off date and actual charge off amount.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8461581
|
2024-03-03
|
Struggling to pay your loan
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
Duvera Billing Services, LLC
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2024-03-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-03-03
|
| Complaint What Happened |
In XXXX I received a loan based on need that was predatory and illegal in the state of Florida.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7603442
|
2023-09-25
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Duvera Billing Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2023-09-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-09-25
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7898531
|
2023-11-24
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Duvera Billing Services, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-11-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-01
|
| Consumer Consent Provided |
Consent not provided
|
|
