Duvera Billing Services, LLC CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
10/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 10475
Web
This is what was submitted for XXXX XXXX XXXX I am the consumer, natural person, made with flesh and blood. 15 USC 1681 section 602 A - CLEARLY STATES I HAVE A RIGHT TO PRIVACY! Furthermore!! 15 USC 1666b - a creditor may not treat a payment ima credit account open under an open end consumer credit plan as late for any purpose - HENCEFORTH! EVERY SINGLE LATE PAYMENT ON MY CONSUMER CREDIT FILE MUST BE DELETED OR CHANGED TO PAID, Pays as Agreed Also you had no written authorization from I, the consumer natural person made with flesh and blood, to furnish account information on my behalf. - 15 USC 1681 section 604 A - clearly states that a consumer Reporting agency can not furnish an account without my written instructions Again XXXX XXXX HAS NEVER RECEIVED A HANDWRITTEN CORRESPONDENCE FROM ME STATING DIRECTIVES TO FURNISH ACCOUNT INFORMATION ON MY BEHALF! I am reclaiming the vital role over my consumer credit file. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code $ 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Definitions : Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something. 15 U.S. Code $ 1681s-2 states that you are a furnisher of information to a consumer reporting agency. You are prohibited by law to furnish inaccurate information. I demand you cease and desist the reporting of this incorrect and inaccurate information immediately pursuant to 15 U.S.C $ 1681s- 2 ( a ) ( 1 ) ( A ), which states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' YOU ARE HEREBY PUT ON NOTICE THAT YOU ARE REPORTING INCORRECT AND INACCURATE INFORMATION. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ). Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this information is in clear violation of the law pursuant to 15 USC 1681s-2 of your responsibilities as a furnisher of information. Furthermore, pursuant to Pacific Concrete Federal Credit U. v. Kauanoe, 614 P.2d 936 ( Haw. 1980 ) providing a contract ( electronically signed by someone with a different name ) is not debt validation. You have caused me and my family severe harm due to your negligence and inaccurate reporting period this is a final opportunity to CURE and DELETE this erroneous, inaccurate, account from my consumer report. You have 10 calendar days to CEASE AND DESIST AND DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS. Failure to do so will result in me pursuing legal remedies under 15USC 1692k, {$1000.00} per each violation you have incurred. Pursuant to 15 USC 1681a ( 2 ) - definitions and rules of construction. States the following ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( There are numerous account listed with account activity balances and even payment history as if the fraud that is being perpetuated is legitmate. ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or Pursuant to 15 USC 1691a ( b - f ) - States the following : ( b ) The term applicant means any person who applies to a creditor directly for an extension, renewal, or continuation of credit, or applies to a creditor indirectly by use of an existing credit plan for an amount exceeding a previously established credit limit. ( c ) The term Bureau means the Bureau of Consumer Financial Protection. ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. ( e ) The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. ( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. Also pursuant to FCRA 623 ( a ) ( 5 ) - if the credit bureau can not VALIDATE the information WITH THE ORIGINAL CREDITOR. They must remove the unverified account from said consumer credit file. In accordance with the Fair credit reporting Act 611 ( a ) ( 7 ) - this is not a request for the reinvestigation if the previous dispute ( s ). I am actually attempting to validate this debt. I want to know the method of verification used. Please answer the following questions pertaining to the accounts mentioned above. 1. Who is the original creditor? 2. The creditors address and telephone number 3. The persons name that they ( credit bureau ) verified the dispute with 4. The documentation used to verify the dispute If you are unable to provide this information in a timely manner the account must be deleted. Should you attempt to validate this information with deceptive forms pursuant to 15 USC 1692j - I will use that as proof should I end up in court because of your blatant refusal follow federal procedures/laws. account in question : XXXX account number : XXXX account type : installment account account type - detail : installment account bureau code : individual account account status : closed monthly payment : XXXX date opened : XX/XX/XXXX balance : XXXX number of months ( terms ) : monthly high credit : XXXX payment status : charged off as bad debt comments : account information disputed by consumer this account is also reporting missed payment which is a false representation because something that is paid in full the moment it is purchased can not possibly merit a late payment. XXXX and XXXX have deleted this fradulent garbage from my report it is in the best interest of you and yours to delete this information from my consumer credit file.
11/25/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19116
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1 XXXX & {$1400.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items XXXX Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
10/04/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19050
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. EASYPAY bal. {$1300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/25/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19050
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The XXXX XXXX XXXX, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. DUVERA & {$1300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
03/24/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91786
Web
BACKGROUND I have been a victim of fraud for over 15 years now. Unfortunately I've had the whole book spirits I'm having my credit used by Bad actors and then after those Bad actors received is much goods and services illegally that they could obtain, they then proceed proceeded to sell my information on the internet to cybercriminals who in turn created a multitude of fraud pertaining to my person my business and my financial banking accounts. This fraud was so extensive, that my files have been placed in all three major credit reporting agencies special handling Department. This was because of the complexity and Rapid succession that these accounts were appearing on my report. ISSUE XX/XX/XXXX at XXXX p.m., I received a email stating that an account was past due on my credit report. I then proceeded to notify this company because I looked at the information it did not look like an account that I am familiar with. And due to the extensive fraud oh, I knew this account was more than likely another one. I then proceeded to notify all three credit reporting agencies as well as XXXX XXXX XXXX. Once again, a complete fraud packet was uploaded to XXXX and mailed out to XXXX XXXX. The package that was sent out was the same packet that was used to block all other fraudulent accounts that were appearing on my credit report. XXXX responded back stating that the packet that was already sent to them previously that was used to delete and blocked fraudulent accounts, was now not sufficient enough to block this fraudulent account. The account was then placed into investigation which I believe was improper. On XX/XX/XXXX I notified the XXXX XXXX XXXX that this is a fraudulent account. I've been explained to them that I was a victim of extensive productivity and that I had already provided all the information to the three major credit reporting agencies who in turn will provide the information to clear this account. On XXXX XXXX, I received an email at approximately XXXX a.m. stating that XXXX XXXX XXXX have penetrated one of my banking accounts and was deducting money from it. Since I have previously prior to this intrusion notified de XXXX that this was a fraudulent account, should have cease and desist all collection actions but they did not. Duvera was also notified by all three credit reporting agencies before the intrusion as well. Devura Billing Services was also notified prior to this intrusion that the Bad actors, have penetrated all of our personal, financial and business information. Several cell phones will remove from our locker that were being used to conduct these transactions as well. All three credit reporting agencies including Duvera Billing Services were contacted again. I filed a dispute with all three credit reporting agencies and also made a telephone call to Duvera Billing Services requesting them to remove the negative collection mark from my credit report due to the fact I was not provided any documentation of the existence of this account therefore I was deprived of 30 to 45 day right to acknowledge the debt as being valid or fraudulent. I believe if I was afforded this right, this collection agency could not place this on my credit report as long as I contacted them within that time frame. I was deprived of that time frame due to this being an account open fraudulently once this time elapsed, this allowed the collection agency to proceed with placing this negative account to my credit report. On XX/XX/XXXX at XXXX a.m. ( FRIDAY ) I sent via email a complete package pertaining to fraudulent activity that was committed against me. That package included all relevant police reports, case information on the person who was convicted of using my identity, relevancy of fraud which included identity theft affidavits and Federal Trade Commission complaints. On XX/XX/XXXX, I receive a message from the credit reporting agency app I used to monitor my credit report, that Duvera Billing Services has updated more additional negative markings to my credit report. Then on XX/XX/XXXX at XXXX XXXX I received an email stating that this collection agency has determined that this fraudulent account is mine but provided no documentation to support this claim and stated that they will continue to harass me about this fraudulent account. The account that had the intrusion, was flagged as having fraudulent activity and was blocked by my banking Institution. This required me to have to obtain new debit cards and credit cards which I did. Upon learning that they did not remove this fraudulent account, I then proceeded to call XXXX. I then informed XXXX that this fraudulent account has been validated and I then asked them to show me what documentation this creditor provided which made my three police reports, my several Federal Trade Commission complaints, and my numerous affidavit of identity theft notarized forms and not to mention, the criminal case paperwork invalid or not enough to support my claim? And XXXX XXXX representative simply stated, they just told us it was yours. I believe that XXXX violated my rights as a consumer By ignoring all of the federal and state documents I provided over a simple word of mouth with no evidence to support this creditor 's claim. It seems as if XXXX has an obligation to assist this creditor beyond means of legal regulations. ACTION I have now filed a police report against this collection agency for harassment and violation of the fair debit Reporting Act. I've also filed a police report against XXXX XXXX which is linked to this Collection Agency company.
03/24/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91786
Web
BACKGROUND I have been a victim of fraud for over 15 years now. Unfortunately I've had the whole book spirits I'm having my credit used by Bad actors and then after those Bad actors received is much goods and services illegally that they could obtain, they then proceed proceeded to sell my information on the internet to cybercriminals who in turn created a multitude of fraud pertaining to my person my business and my financial banking accounts. This fraud was so extensive, that my files have been placed in all three major credit reporting agencies special handling Department. This was because of the complexity and Rapid succession that these accounts were appearing on my report. ISSUE XX/XX/XXXX at XXXX p.m., I received a email stating that an account was past due on my credit report. I then proceeded to notify this company because I looked at the information it did not look like an account that I am familiar with. And due to the extensive fraud oh, I knew this account was more than likely another one. I then proceeded to notify all three credit reporting agencies as well as Duvera Billing Services. Once again, a complete fraud packet was uploaded to XXXX and mailed out to XXXX XXXX. The package that was sent out was the same packet that was used to block all other fraudulent accounts that were appearing on my credit report. XXXX responded back stating that the packet that was already sent to them previously that was used to delete and blocked fraudulent accounts, was now not sufficient enough to block this fraudulent account. The account was then placed into investigation which I believe was improper. On XX/XX/XXXX I notified the Vera Building Services that this is a fraudulent account. I've been explained to them that I was a victim of extensive productivity and that I had already provided all the information to the three major credit reporting agencies who in turn will provide the information to clear this account. On XXXX XXXX, I received an email at approximately XXXX a.m. stating that Devera Billing Services have penetrated XXXX of my banking accounts and was deducting money from it. Since I have previously prior to this intrusion notified de XXXX that this was a fraudulent account, should have cease and desist all collection actions but they did not. Duvera was also notified by all three credit reporting agencies before the intrusion as well. Devura Billing Services was also notified prior to this intrusion that the Bad actors, have penetrated all of our personal, financial and business information. Several cell phones will remove from our locker that were being used to conduct these transactions as well. All three credit reporting agencies including Duvera Billing Services were contacted again. I filed a dispute with all three credit reporting agencies and also made a telephone call to Duvera Billing Services requesting them to remove the negative collection mark from my credit report due to the fact I was not provided any documentation of the existence of this account therefore I was deprived of 30 to 45 day right to acknowledge the debt as being valid or fraudulent. I believe if I was afforded this right, this collection agency could not place this on my credit report as long as I contacted them within that time frame. I was deprived of that time frame due to this being an account open fraudulently once this time elapsed, this allowed the collection agency to proceed with placing this negative account to my credit report. On XX/XX/XXXX at XXXX a.m. ( FRIDAY ) I sent via email a complete package pertaining to fraudulent activity that was committed against me. That package included all relevant police reports, case information on the person who was convicted of using my identity, relevancy of fraud which included identity theft affidavits and Federal Trade Commission complaints. On XX/XX/XXXX, I receive a message from the credit reporting agency app I used to monitor my credit report, that XXXX XXXX XXXX has updated more additional negative markings to my credit report. Then on XX/XX/XXXX at XXXX a.m. I received an email stating that this collection agency has determined that this fraudulent account is mine but provided no documentation to support this claim and stated that they will continue to harass me about this fraudulent account. The account that had the intrusion, was flagged as having fraudulent activity and was blocked by my banking XXXX. This required me to have to obtain new debit cards and credit cards which I did. Upon learning that they did not remove this fraudulent account, I then proceeded to call XXXX. I then informed XXXX that this fraudulent account has been validated and I then asked them to show me what documentation this creditor provided which made my XXXX police reports, my several Federal Trade Commission complaints, and my numerous affidavit of identity theft notarized forms and not to mention, the criminal case paperwork invalid or not enough to support my claim? And XXXX XXXX representative simply stated, they just told us it was yours. I believe that XXXX violated my rights as a consumer By ignoring all of the federal and state documents I provided over a simple word of mouth with no evidence to support this creditor 's claim. It seems as if XXXX has an obligation to assist this creditor beyond means of legal regulations. ACTION I have now filed a police report against this collection agency for harassment and violation of the fair debit Reporting Act. I've also filed a police report against XXXX XXXX which is linked to this XXXX XXXX company.
10/01/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 34747
Web
On Saturday XX/XX/2018, my husband and I went into a local pet store XXXX 's XXXX located in XXXX, FL. We found a XXXX XXXX puppy we wanted. The cost of the puppy was {$4500.00}. That was way out of our price range, so he came down to {$3000.00} without charging tax. That was a lot of money to us and we weren't planning on spending that much, but the pet store said they had financing that we may qualify for. I applied and was approved for {$2200.00}. So we decided to purchase the puppy and finance the {$2200.00} and pay the difference in cash of {$800.00}. The owner of the pet store ( XXXX ) stated the puppy has had all of his shots and was XXXX registered and in perfect health, and our XXXX registration would be sent to us within two weeks. We were excited and took our puppy home the same day. The next day on Sunday XX/XX/2018, I contacted the pet store because we woke up and noticed that the dog had vomited clear watery foam in his cage and both of the dogs eyes were looking very bad and found that the dog had cherry eye. ( This pet store had knowledge that the dog had cherry eye and tucked them in in order to sell the dog ) The owner XXXX asked me to take some pictures and text him on his personal phone so he could see and stated that the vomiting was from the change in his water and stress from the change to his new home. He called me after viewing the pictures and said that we could drop him off Monday evening XX/XX/2018 and he would take him to his veterinarian and perform the XXXX required to fix him. We dropped him off that evening as requested, and picked him back up on Thursday XX/XX/2018. As soon as we got him back we started to think that something was suspicious because the dog 's eyes didn't look like he had XXXX and he was still vomiting and now he had some kind of rash all over his stomach. We immediately made an appoint with our vet for XX/XX/2018. Upon our vet appointment we provided all of the paperwork we were provided at the time of purchase. The vet said she didn't see any evidence of a recent cherry eye XXXX so her staff requested the records from the pet store 's Veterinarian. They said they were too busy and would try to send them when they could. ( We never received the records ) Our vet stated that the dog was not XXXX registered as told upon purchase and the certificate was fake, and also noticed that the dog had an umbilical hernia ( which is a congenital defect ) and a XXXX XXXX. They prescribed him medication for the XXXX and a new eye cream for his eye. ( vet records attahed ) Due to all these issues, and the lies we caught the pet store in, my husband and I decided to return the dog. Per the contract with XXXX XXXX I had multiple reasons that the dog could be returned. So I immediately contacted the breeder by phone and told him that we wanted to return the dog and he asked that I email him the request which I did ( see attached ). After no response for the day and him no longer picking up the calls from my number, I tried to call him from my job. He answered, finally and told me he was with a customer and promised to call me back. I never heard back from him. He did not respond to any communication whatsoever. I reviewed the contract with Duvera Financial dba XXXX XXXX and it said refunds must be given through the merchant. I notified XXXX on many occasions telling them what was going on, and to see if they could help me with no luck. I had no choice to continue to pay them as not to ruin my credit history, all while trying to save a dog paying thousands dollars in veterinarian bills. I paid XXXX for a year up until the dog passed away. It tore my family apart losing the dog. My children were especially devastated. It is terrible that Duvera Financial dba XXXX XXXX would do business with a company and issue loans to merchants that do not follow through on the contract. This is unethical practice of business and something needs to be done about it. If you look up this XXXX XXXX ( XXXX 's XXXX ), you will see all the complaints including on their own XXXX page. I am not the only customer that has gone through this and been sold a sick puppy. Per the contract I was in my legal right to return the puppy for a refund. If the merchant would have performed to his legal duties under the contract, he would have contacted Duvera Financial dba XXXX XXXX, and processed the return and returned the money back to Duvera Financial XXXX XXXX XXXX and closed my account. But instead me as the consumer is paying the price for businesses failing to follow their own contract and scamming consumers out of their money. The lender should protect the consumer against fraudulent scammers such as XXXX 's XXXX and go after the merchant to process a refund. I only borrowed {$2200.00} and it is reporting I owe {$5500.00} on my credit report due to interest. I paid Duvera Financial dba XXXX XXXX for a year and I still owe this balance. This is absurd to pay this type of money especially when you were scammed and the dog passed away at a year old. Duvera Financial dba XXXX XXXX should have helped me resolve this issue with the merchant and removed them from their list of vendors that they provide loans to. Duvera Financial dba XXXX XXXX should have requested a refund from the merchant not me. I have already paid for a year, plus {$800.00} cash to even purchase the dog, plus thousands of dollars in veterinarian bills to only have the dog pass away. All parties should be held accountable for this transaction not just my family and myself.
05/16/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48212
Web Servicemember
This communication is regarding an alleged debt that the " collection agency '' Duvera Billing Services , LLC is claiming that " I have a charge off account of {$740.00}. '' This is a formal notice that their claim is not only invalid but is disputed on the premise that the aforementioned collection agency is violating the State of Michigan licensing and bond requirements by being deficient, out of compliance and not in good standing with the State of Michigan ( i.e. lapsed ). The applicable licensing and bond requirements have not been met by Duvera Billing Services , LLC in order to legally collect on a " claim '' or " debt '' from consumers within my state of residency. I have attached in a PDF the applicable proof that the collection agency is out of compliance. I have extracted a few items from the Michigan Licensing and Regulatory Affairs that validates my claim which is provided as follows : License Number : XXXX Status : Lapsed License Issue Date : XX/XX/XXXX Expiration Date : XX/XX/XXXX Below are the applicable laws that give credibility to my claim of the alleged " debt '' being invalid as to collection. ( 1 ) According to Michigan Licensing and Regulatory Affairs, Article 9 of Public Act 299 of XXXX, as amended was created, to license and regulate collection agencies operating in Michigan. Article 9 defines a collection agency as a person that is directly engaged in collecting or attempting to collect a claim owed or due or asserted to be owed or due another, or, subject to subsection ( 2 ), repossessing or attempting to repossess a thing of value owed or due or asserted to be owed or due another arising out of an expressed or implied agreement. MCL 339.901 ( 1 ) ( b ) ( 2 ) M.C.L. 339.904. Section 904 ( 1 ) states, " Except as otherwise provided in this article, a person shall not operate a collection agency or commence in the business of a collection agency without first applying for and obtaining a license under this article from the department for each place of business. '' ( 3 ) M.C.L. 339.907 Corporate surety or cash bond ; action on bond ; aggregate liability ; cancellation of bond. Section. 907 states, " The department shall require a collection agency to file and maintain in force for each license a corporate surety or a cash bond conditioned upon the faithful accounting of all money collected upon accounts entrusted to the collection agency in a form prescribed by the department in a sum the department considers necessary, but for not less than {$5000.00} nor more than {$50000.00}. The bond shall be for the benefit of a person damaged by the wrongful taking of money collected by the agency or failure of the collection agency to report or remit proceeds of collections made. A person injured may bring an action upon the bond. The aggregate liability to all injured persons shall not exceed the sum of the bond. The surety on the bond shall have the right to cancel the bond upon giving 30 days ' written notice to the department and after that date shall be relieved of liability for a breach of condition occurring after the effective date of the cancellation. An action on a bond shall not be commenced after the expiration of 1 year from the effective date of cancellation of the bond. '' Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from Duvera Billing Services , LLC or any company that they represent, for an invalid debt or debt that I don't owe is a violation of the FCRA & FDCPA. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond may result in small claims legal action against Duvera Billing Services , LLC at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation ; Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. Again, this is a request for Duvera Billing Services , LLC to correct records and is not a statement, election or a waiver of status.
10/08/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 93955
Web
I want to start out this complaint by stating, I had a friend help me write this complaint. I'm writing to complain about the interest rate of : APR of 95.97 %, I was to be charged on a personal loan. Yes, that's correct, and not a typo. I went to XXXX XXXX, at XXXX XXXX XXXX XXXX, XXXX, CA, on XX/XX/XXXX, to get a new XXXX XXXX. I was told this would cost {$2200.00}. Being I didn't have this amount, I was ready to leave. A XXXX representative, XXXX, told me about, " XXXX XXXX, '' and sent me their website via my email address, on my phone. XXXX XXXX XXXX When I got home, I visited the website, and tried to fill out all the information required, but it didn't go through. I called XXXX to let him know this, and XXXX let me know it did not go through for him either, when he tried. XXXX asked me when are you going to come get your car? '' ( This was before any work was done. ) I told XXXX I'd call him back, because I planned to call XXXX XXXX. When I spoke to an XXXX XXXX customer service rep, she was able to get the information through. It hadn't gone through before because I had provided a XXXX XXXX address, and not a physical address. The XXXX XXXX rep sent the contract to me, to my email address, over the phone. I was to sign this contract online, though I was unable to do so on my phone. The next day ; XX/XX/XXXX, I went back to XXXX, and spoke with XXXX again on XX/XX/XXXX. XXXX and I, started to finalize the contract. At this point was when XXXX and I discovered I was NOT able to sign the contract online, on my phone, even with his help. Then XXXX went onto his computer, and I was still NOT able to sign the XXXX XXXX contract through the use of XXXX 's computer. Then he made paper copies of this contract, which I signed, but XXXX did NOT give me a paper copy. The only paper copy I received, was relating to the work done on my car, the initial down payment I made, but nothing about the XXXX XXXX contract. The next day, XX/XX/XXXX, I went over to a friend 's house, and she asked to look over the contract from, " XXXX XXXX '' on my phone. When she saw the APR of 95.97 %, on the money to be financed to me, she thought this was a typo and the the XXXX XXXX contract meant 9.597 %. She called them, and was told, " No, that's NOT a typo, the APR is 95.97 %. '' My friend said, " That's a predatory loan, which is higher than I have ever heard of before! '' The XXXX XXXX rep replied, " It's perfectly legal. '' My friend replied, " It may be legal, but it's not ethical. '' Then my friend said, " He'd like to pay off the loan in full right now, over the phone. '' We were told by the XXXX XXXX rep, " You're not in the system yet. When you are, then you can make a payment. It takes 72 hours for it to become available to access your information. '' On XX/XX/XXXX, XXXX thought it would suffice for me to just sign the paper documents, but this was not the case, as I just learned this on ; XX/XX/XXXX, when I spoke with another XXXX rep. On XX/XX/XXXX, I was told, the XXXX contract would NOT be valid, until the e-sign signature, went into the computer system I went in and paid off the balance in full, at XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, after I spoke to an XXXX rep on XX/XX/XXXX. The XXXX rep on the phone said, " Technically there weren't loan documents to be processed, because, you were unable to e-sign the contract sent to you by XXXX finance. '' My question is : Is it legal, to charged a 95.97 % APR? This exorbitant rate I was to be charged, is also my complaint : 95.97 % I'm fearful this will happen to other people. My down payment was {$170.00}, Total Purchase Price USD {$2200.00}, Amount financed : {$2000.00}. Payment frequency : Biweekly, every two weeks. Number of payments : 52. APR 95.97 % Payment Amount : {$92.00}. Date of first payment : XX/XX/XXXX, XXXX XXXX XXXX : XX/XX/XXXX Please see attached photo for the terms of my contract.
09/18/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 93313
Web
I was late XXXX night XX/XX/XXXX and saw XXXX XXXX XXXX for Profits. I was desperate, worried about my family and how we would survive.I was XXXX for a year at this point. I sent for the book, which was supposed to be {$19.00} + {$9.00} s+h. When the book arrived it was XXXX. When my wife was checking the bank statement she saw several withdrawals for varying amounts, ranging from {$29.00} to {$69.00}. From different companies named XXXX which was the {$39.00}, XXXX {$29.00}, XXXX {$190.00} and XXXX for {$310.00}. for a total of {$580.00}. My wife contacted them and the response was " oops we made an error ''. XXXX XXXX 's " team, were relentless with constantly calling and harassing him to buy more and more! I put the phone on speaker to hear them and the man told me, you need to support your husband? I said nope not in this scam I asked them not to call again. My wife will continue from here. They kept needling away at him! The tried to convince him to spend more and more money. The bank was charged {$160.00} We tried to contact XXXX billing without fail to beg them not to give XXXX XXXX a dime, it was a scam! We were never able to reach XXXX. No answer, no callbacks to any messages left! If you look at the loan docs you will see. Our rent is listed as XXXX. Our residency started on XXXX/XXXX/XXXX. Our previous address started from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. His job number is listed as XXXX/XXXX/XXXX. Deny it XXXX, we have the " contract ''. He was out of work due to illness. Our credit was shot because of extremely limited income because of health. He was never informed about any " electronic signature '' He had given his bank card for the purchase of the book and that is what they had access to. They were draining our bank acct. When I went over " the contract " the emailed him. I went over it with a fine tooth comb and saw there was three days to cancel. We tried for those three days and could not reach anyone and no call backs. I went to our bank and explained everything. They were able to put back all but the {$190.00} in the acct because it was past the time frame. I did n't know, we were trying to deal with it on our own, well I was. They had XXXX launch an investigation and XXXX found it was an error or unauthorized transaction occurred and the refund stayed. Meanwhile, they kept hounding him, and once they got the funds from XXXX Billing all contact stopped. He figured well if they got money that he will have to pay back, he might as well reach them and try to get something from them. He repeatedly called, left messages and no call backs. When he finally did reach someone, the response was " oh no one contacted you? I assure you I will make sure that someone calls you!. The first email from them was XX/XX/XXXX and the absolute last correspondence from them was XX/XX/XXXX. ( just found out they also go by XXXX and they were relentless in their contact, rude, unprofessional and I painstakingly explained everything to the man who called and all he could get from the conversation was " Oh so you not paying this debt? '' I said no it is not cut and dry like that. I asked for an address to send all the documentation. He gave me an address where I sent the priority mail to which it was said to be undeliverable! The post office sent it again for free for me and again it was returned. He gave me another address and the package was never returned!. I begged them to take us to court XXXX we could stand before a judge with all our proof ... .and they stopped sending any correspondences to us but it remains on his credit report! And the fees keep adding up. I have contacted in XXXX since the beginning and all I was told is that we are in receipt of your complaint and nothing else! I filed again with the FTC, XXXX and the State Attorney General 's office begging for help here.
12/19/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 48146
Web
On my TransUnion credit report I have a collection from DUVERA ( DVRA collections ) regarding an account opened with XXXX, XXXX. The account was opened XXXX/XXXX/XXXX and the account was closed XXXX/XXXX/XXXX. I contacted XXXX, XXXX billing department around XXXX/XXXX/XXXX to inquire about when the account was sent to collections, the representative stated the account was forward to DUVERA XXXX. But on the credit report, it shows that the collection was opened XX/XX/XXXX.-offense # 1-FALSIFIED INFORMATION. Also on the XXXX credit report, it shows that a last payment was made XXXX/XXXX/XXXX. First of all, I never made a payment on this account and second, it does not show the amount of the payment. XXXX disputes were made to XXXX on XXXX/XXXX/XXXX stating that I am no longer liable for this account being that the account was closed in XX/XX/XXXX and result was received XXXX/XXXX/XXXX that XXXX only updated the collection account. A second dispute was made within a week later and never received a response from XXXX. Around XX/XX/XXXX or XX/XX/XXXX I called transunion regarding the second response and requested the results. XXXX representative stated that he was not able to give me the results of the second dispute and it was sent via e-mail. Asked to provide the e-mail it was sent to and the e-mail used was incorrect. Stated this to the XXXX representative and again stated that I could not receive the results of the second dispute. Pulled another credit report from XXXX and the collection is still on my report. They did not investigate the collection agency for validation. They only updated the account showing that it is still open. Offense # 2-Failure to validate the collection account. I sent information to XXXX for investigation on this collection account on XXXX/XXXX/XXXX providing information showing that this collection account was fradulent for the following reasons : 1. The account was closed with XXXX, XXXX on XXXX/XXXX/XXXX, and the account opened with DUVERA ( DVRA ) collections on XX/XX/XXXX, but the company states that this account was sent to DUVERA on XX/XX/XXXX. There was showing " Last Payment XXXX '' on XXXX/XXXX/XXXX of which NO PAYMENT was made ever- the account from XXXX XXXX closed in XX/XX/XXXX. Conclusion : the collection agency re-aged the collection account from XX/XX/XXXX to opening the account in XXXX/XXXX/XXXX, which added 7 more years to this collection. They are showing a payment was made on XXXX/XXXX/XXXX, of which I never made any payments on this account, which means that the end of the 7 years on this collection ended XX/XX/XXXX. Please note that the account with the company was closed XXXX/XXXX/XXXX. There was no delinquent or late payments on the account being the account was closed days after the account with XXXX, XXXX was opened. It seems that DUVERA ( DVRA collections ) falsified information to open this collection. Third, they showed a payment that was not made using this to re-age this collection and provided addresses, that I believe does not exist. To validate this collection, XXXX packages were sent to DUVERA & DVRA Collections on XXXX/XXXX/XXXX and around XXXX/XXXX/XXXX and the first certified letter was returned around XXXX " Undeliverable '' and the XXXX certified letter sent is also showing " Pending. '' I used both addresses listed on XXXX credit report and from XXXX. Both of which, I believe does not exist. So, finally I requested another investigation with TU and sent supportive documentation to them to re-evaluate this collection. DUVERA ( XXXX collections ) fraudulently made up this collection and TU did not due diligently investigated this collection, they only updated this collection. Supportive information will be forwarded to you for your review.
03/22/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • IL
  • 60532
Web
The agreement that I entered into had a 90 day Interest Rebate Promotion that states as follows : 90 Day Interest Rebate Promotion ( Rebate Processing Fee required ) Your contract includes a 90 Day Interest Rebate Promotion. Please note that finance charges accrue from the effective date of the contract and will be added to your account until paid in full. Any finance charges paid less a Rebate Processing Fee equal to the lesser of {$40.00} or the finance charges incurred as of the payoff date will be rebated to you unless the 90 Days Interest Rebate Promotion has been invalidated because 1 ) the total Amount Financed plus the applicable Rebate Processing Fee is not paid in full by the expiration date provided below, or 2 ) you fail to make a minimum payment on the account when due. It also states that the contract must be paid in full by XXXX/XXXX/2016. I paid in full on XXXX/XXXX/2016. The agreement further explains the promotion later on as follows : 90 DAY INTEREST REBATE PROMOTION ( Rebate Processing Fee required ) This Installment Contract offers an Interest Rebate Promotion. All interest paid less a Rebate Processing Fee equal to the lesser of {$40.00} or the finance charges incurred as of the payoff date will be rebated to Buyer if, during the promotional period, Buyer makes all monthly payments on a timely basis with no returned payments, and Buyer pays in full the Amount Financed plus the applicable Rebate Processing Fee. This Promotion begins on the Contract Date and ends XXXX. PLEASE NOTE : If Buyer makes any payment untimely or if Buyer 's payment is returned, this Promotion will terminate immediately. Upon the Promotion 's termination, Buyer shall be liable for all interest accruing from the Contract Date and the interest charges will not be rebated. Interest charges do not include delinquency, pre-paid finance charges and other charges. Except for necessary revisions to incorporate this payment plan, all terms and conditions set forth in this Installment Contract shall continue to apply to Buyer 's account, including Buyer 's obligations to make timely monthly payments. Interest charges begin accruing from the effective date of the Contract, and will be rebated to Buyer less the Rebate Processing Fee if all of the following are true during the promotional period : ( 1 ) The total Amount Financed plus processing fee is paid in full, ( 2 ) Buyer makes all timely payments, and ( 3 ) no payments made by Buyer are returned. IMPORTANT NOTICE Buyer acknowledges and verifies that the charges as shown on the Installment Contract are correct. Buyer further agrees that the effective date of the Contract is accepted as the date the interest charges in the Installment Contract begin accruing. Buyer understands that Buyer will be responsible for the principal plus any fees associated with this contract. The interest charges will only be rebated if paid according to this program. BY SIGNING BELOW BUYER IS IN ACCEPTANCE OF THIS PAYMENT PLAN AND ACKNOWLEDGEMENT THAT BUYER HAS RECEIVED A COPY OF THIS PAYMENT PLAN. Per the contract, I did not make any late payments or violate any terms. After paying off my loan I called to inquire as to how to receive my rebate. I was told that there was no rebate, but that my interest was waived. However, according to my statement I have paid {$35.00} in interest. The agent claims that those are the Processing Fees, yet it does not state that at all whatsoever on the statement, it clearly states interest charge. Wherever fees are listed, it states the amount of XXXX.
06/18/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • PA
  • 18018
Web Older American
In XX/XX/XXXX I had to have my car towed to XXXX on XXXX XXXX in XXXX PA. I had no brakes and the car was unsafe to drive. I was told the repairs would cost me {$910.00}. I did not have that kind of available cash but XXXX offered me an alternative, XXXX XXXX. I was doubtful, my credit score was not that great, my husband and I had some financial problems recently, but I applied on my phone and I was approved. I remember the 90 day no interest option, I also knew when I did it that I probably wouldn't be able to do that, but the payments of {$100.00} were ok. I really didn't have any choice, it's a XXXX car and at the time I still owed 5 car payments on it. I was surprised that the first payment was due only a couple of weeks or so after getting the loan. I was in no position to argue. Then in XX/XX/XXXX another problem with the same car, the engine light came on and we couldn't figure out what the issue was. Then one day it suddenly sounded like a race car. It was the exhaust pipes. Took it to XXXX, thinking it couldn't be that bad, but this time {$1200.00}. I didn't think I could possibly be approved again but I applied and was approved. This time however the payments were {$110.00} twice monthly. The car was now paid off so I figured ok I have no choice. Now I'm paying on two separate loans each with 24 payments. At the end of XXXX I called XXXX and requested a payment date change for the first loan ( the {$100.00} payment. I wanted to make the two payments in the middle of the month as that's when my Social Security deposits to my bank. I was told no problem, they could do it. Today I went to check my credit score and discovered that XXXX ( which shows as XXXX XXXX XXXX ) had increased my balance due by {$300.00}. I immediately went to their website to check my payments and discovered that several recent payments had no amounts applied to principal. I called XXXX to get an explanation. I was told I had to make a complaint to the credit bureau about the increased balance. I was also told that when I changed the due date on my first loan that I had to pay more interest. I told her that no one told me that. She actually said to me that no one usually asks that question. I asked her if she knew what truth-in-lending meant. I'm not supposed to know to ask, you are supposed to know to tell me. No one told me that when I asked to change my due date from the end on the month to the XXXX th of the month that it would cost me almost three months of 100 % interest payments. I didn't ask for a deferred payment, just a due date change. At this rate I feel like I will never pay this off. I have never missed a payment. The amounts applied to principal make no sense at all. This company is preying on people like me, those who have had credit problems because of financial problems. Those of us who can least afford to pay more for the same thing that people with money can just write a check. I don't mind paying extra if I need to do it but they lied to me and then punished me for not asking the right question. I was told that I could change the date of the loan XXXX time after the first payment is made. I'm stuck with these loans and I have to live with XXXX more stupid mistake made out of desperation but they should not be allowed to continue to do business like this.
07/18/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 33770
Web
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.
05/28/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 32218
Web
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.
01/13/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IA
  • 51501
Web
My boyfriend and I applied for a loan on XX/XX/ for a dog. The breeder suggested XXXX companies for a loan. We applied at both and XXXX got back to us first. They gave me a loan for {$1900.00} and my boyfriend 's was {$2100.00}. We both had our own loans and loan paperwork. At the time of signing the paperwork we never received copies of what we signed even though we were told we would. My loans was set up for by weekly payments of {$110.00} automatically taken from my bank account. By end of XXXX, I had made 10 payments to the loan. At the time, I decided to check the balance to see how much the principal had changed. When I logged into my account. The loan amount had only changed by {$50.00} when I had assumed it was half way paid off. When I started looking at the website that is when I noticed the interest rate of 138.97 % which concerned me. I reached out to XXXX to try and ask questions and I wanted to get a copy of the paperwork, I explained I could not find the paperwork online. The representative told me they couldn't send me my loan contract through email. I told them I wanted it mailed and emailed. But I wanted my paperwork. They continued to argue with me and said I could get it online and I told them it was broken. Which as I kept explaining was not an option. At some point they agreed to mail it to me and I think I received it 2-3 weeks later. When it finally came it wasn't at all what I expected or agreed to when we had started this process. It shows an APR of 138.97 % and total payments of {$5700.00} and a daily interest rate buried in the paper of .3807 %. Which I never would have agreed to. When I called back to dispute the loan and explain something was wrong. They argued with me and failed to listen or help me with my issues. After the conversation, I immediately went to my bank to close my bank account so that no more payments would be made. They finally called me in maybe in late XXXX and XXXX wanting my payment. I again tried to discuss the loan to understand why the all my payments when to interest and didn't touch the principle balance. But all I got was the run around and a request for another payment. I told them I would not pay without a clear understanding of the loan so they said they were going to turn me over to collections. I never received a call from anyone, not them again or a collections company! Now after reviewing my credit report I see a company called XXXX charged off {$4600.00}. I definitely do not understand that dollar amount. Or this whole process. This has been a nightmare and I'm not sure how to fix it. I feel taken advantage of an deceived. And now they have ding my credit. Prior to them lying and deceiving me I had great credit over 700. This experience has really taken a toll. I have never not paid my obligations.
05/28/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MO
  • 64138
Web
On XX/XX/XXXX I entered into a financing contract with a company by the name of XXXX XXXX XXXX ( which is owned and operated by the parent company XXXX XXXX XXXX ). I had a 90 days no interest agreement which states if my balance is paid in full in 90 days or less that the only amount due is the amount which is financed. I financed {$500.00}. I paid a total of {$700.00}, with {$200.00} being due back to me since I paid the balance in full prior to the promotional periods end date. On XX/XX/XXXX I contacted the company regarding this issue and was advised that they are not going to refund me the {$200.00} owed to me, because a payment was not paid on the XXXX of the month and rather the XXXX. I informed them that was of no fault of mine, and that the contract I signed states very clearly that all payments will come out on the XXXX of the month by auto draft. I argued this case and was advised that I had allegedly logged in on XX/XX/XXXX and removed the auto pay option, which there is no history on my account nor any confirmation communication of this alleged event. I advised that by law they are required to alert me when changes are made to the contract or billing arrangement, and since I know I didn't go into the account to change anything until XXXX ( when I noticed their error and paid it myself in good faith ), and they can't provide any verification of me doing such ( and neglected to provide said verification at the time of the alleged change ), I feel it is well within my rights as a consumer to be refunded the total amount of {$200.00} due to me for interest charged during the 90 promotional period in which I successfully paid back the entirety of the {$500.00} financed amount. In my contract it states I need to reach out to their Legal Team with a written notification of dispute, however as I've called multiple times and worked directly with XXXX XXXX ( Operations Support ) over email, they have refused my request for the address to send their Legal Team a certified letter of such dispute. Since my requests for good faith remediation of this issue have been denied multiple times, I am reaching out to the Consumer Finance office for assistance getting back the over payment amount in full ( including any fee 's they feel they should charge for said financing service since I've been through this issue ) of {$200.00}. Thank you Alternate Addresses and contact information I found for Duvera Billing Services LLC, and XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA, XXXX PR - XXXX XXXX - XXXX CEO - XXXX XXXX - XXXX - XXXX, XXXX, XXXX XXXX
10/10/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IL
  • 604XX
Web Older American
On XX/XX/XXXX, I went to XXXX XXXX, located in XXXX, IL to have the brakes on my XXXX XXXX XXXX replace. I was informed by the Shop Manager that all four must be replaced as well as the Rotor which will cost approximately {$940.00}. I informed the Manager that I only was able to afford to have the front brakes did. They reply by inviting me to a 90-days interest-free cash payment. Or 12 month I agreed. While I was at the shop the service technician took the primary information off the car, the cashier downloads the mileage intentionally incorrectly into XXXX system my incoming miles was around XXXX XXXX backlogged the miles to XXXX this would have caused my XXXX XXXX warranty to expire. After, realizing this was intentional that XXXX was trying to sabotage the XXXX warranty. I didnt realize that I was being schemed until my alleged new brake pads and rotors were squeaking I couldnt understand why this was happening. I took the car back and showed the General Manager how they deliberately downloaded my miles, they did honor that and replace both the brakes pads and rotors. My primary complaint was this company that finances the balance of the bill, my agreement was that I will make my payments by money order only I do not have any of my creditors to automatic withdraw payment from my account. My last payment was made by money order on XX/XX/XXXX as money order No. # XXXX amount {$150.00}. XXXX XXXX ( XXXX XXXX ) whom I agreed to finance the balance. XXXX illegally withdrew from my bank account {$80.00} on XX/XX/XXXX which at that time caused my account to be overdrawn. Im a seniors citizen living on a monthly budget wherefore, I can not afford my checking account to be overdrawn. According to their monthly statement, the customer has an option to enroll in automatic payments from either your checking account or debit/credit card. I refused to participate. After researching my rights and how I can begin legal action against this company for violating my privacy and attempting to steal my identity to gain access to my bank account. That when I also discovered I was being overcharged interest rate. I didnt realize they were in violation of the Illinois payday loans interest rates laws. I informed XXXX XXXX that I appreciate if they would return the funds right away which per my conversation on XX/XX/XXXX at XXXX XXXX I was informed to fax a copy of the bank transaction which I did. Today XX/XX/XXXX they inform me my funds won't be available for at least 6-10-days. I requested 48 hours. They went into my account electronically they can refund my account electronically.
07/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CO
  • 80401
Web
I have been a victim of ID theft. XXXX is aware and does nothing. I have contacted them thru the Consumer Affairs division and with reps and supervisors. I filed fraud with XXXX and submitted ALL the requested documents for fraud. XXXX is violating my rights as well as others with their failed verification of debts and fraud accounts. I file FTC reports and fraud for fraud inquires. They refused to remove them stating they are " statements of facts ''. Thats incorrect when they are fraud and the vendor has no permissible purpose of legit purpose for pulling and for credit in which I didn't not lawfully apply for. XXXX failed to provide documents as requested asking how an account was verified, who verified it, and what methods were used. Nothing was provided and thats against FCRA Law. The fraud accounts in question go against XXXX XXXX guidelines. The fraud alert listed on my file IS WRONG and they refuse to allow me to update. They advise me they can't verify my identity. Not sure how they can't being they have ID on file, SS Card, and FTC reports sent to them. They make it impossible to deal with and remove fraud info. Litigation is being sought against them and will seek damages as allowed per law. They have been sued previously for the exact same thing and they LOST. A fraud account that is list is Duvera Billing ACCT XXXX and they show the same account and balance as a charge off 2 times. The creditor who reports this NEVER provided debt validation or verification to me in writing as requested. XXXX leaves a fraud account and says its verified. The creditor has no signature, no copy of ID, no payments made to the account. The payments made that the creditor verified to me were ACCOUNT UNABLE TO LOCATE/NOTHING FOUND. The creditor said they verified it is fraud and requested it to be removed, yet XXXX failed to do so. XXXX has no reps who understand FCRA laws and guidelines. They leave information to ensure they can collect monies from the reporting companies. XXXX XXXX and XXXX deemed accounts as fraud and blocked the information immediately as should XXXX XXXX XXXX is also listed and the account is past the statue of limitations on reporting. It is fraud and was removed and blocked again by XXXX and XXXX XXXX ACCOUNT # XXXX ... I have a open and current account with them and they stated they asked for this to be removed, however XXXX refused to do so. They need to remove the inquires from my report, as I have not applied for credit and they were notified of those that were fraud.
04/14/2015 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • VA
  • 23513
Web
I took out a loan through Duvera Financial to finance a gas scooter so that I could get back and forth from work. After having to contact the CFPB over Duvera changing my interest rate and payment amounts agreed on, their were no issues. Then this past week, on XXXX/XXXX/15, I logged into the payment portal, and made my monthly payment, as I have every month, XXXX single payment a month. However, on XXXX/XXXX/15 at approx. XXXX, I noticed that the payment I submitted had processed through, but an additional payment was taken out of my bank account for the same amount, on XXXX/XXXX/15. I immediately called Duvera Financial, and was placed on hold for XXXX minutes before being told by a " XXXX '', that I made XXXX payments. When I stated that I only made the XXXX payment on XXXX/XXXX/15, she instantly started saying that I did no such thing and placed a XXXX payment. After pointing out that I only make XXXX payment a month several times, she proceeded to state that I had set up an Auto-pay on the account ( which I did no such thing, as every payment made has required me logging in and scheduling the payment up until this point ). She then said that she would put in a request to cancel the payment, and that I should see the payment reversed in 3-4 business days. I just contacted my bank ( XXXX XXXX ) to be told that they do not see any pending transfers on the account in question, and that they do not see anything from Duvera. So I contacted Duvera yet again at XXXX on XXXX/XXXX/15. After another XXXX minutes of being on hold, I finally got someone who would not give her name when asked. When asked about the status of the refund for the pending amount, she told me that " You called us on XXXX/XXXX/15, it 's only been XXXX days. It takes time to reverse the payment. We do n't know when it 's going to be credited back ''. I asked for a supervisor, was placed on hold, then a guy answered the phone and said that it will be another XXXX business days for the refund on the payment. As of now, I 'm accruing NSF fees through my bank becuase of the XXXX payment that they took out, because my bank processed the payments that were due to be taken out at the same time as the XXXX payment was processed. Now as it sits today, I 'm owing my bank {$140.00} from bills that were processed out and NSF fees that have been accrued by Duvera taking a XXXX payment without my authorization.
10/31/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NJ
  • 07106
Web
on XX/XX/XXXX i went to store named XXXX XXXXXXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX to buy a couch and a end table for my living room. when i got to the store they offered me a loan from XXXX XXXX, they told me there was a 90 days promotion for the loan, if i pay in 90 days i would not have to pay any interest. they said that i would pay the exact amount due plus only {$40.00}. i bought the couch and end table for {$1700.00}. i had to called XXXX XXXX a few days later for the 90 days promotion, they told me i was eligible for the 90 days promotion, but when i called them to make my first payment, they told me that i did not have 90 days anymore, that i had to pay in 2 months. otherwise i would have to pay them 184 % of interest. i accepted to pay in 2 months to avoid the 184 % of interest. I made the first payment on XX/XX/XXXX ( {$870.00} ). before the XXXX payment i called them to have the due date change from XXXX to XXXX, they accepted. on XX/XX/XXXX they took {$870.00} from my bank account. the same day, a few times later a received a text message about a return payment. i called my bank, they told me that there was no return payment but XXXX XXXX just took a amount of {$870.00} from my account. the next month i received text message from XXXX about a payment i had to make, so i called them, they said there was an issue with the payment and because of that i have to pay the XXXX XXXX of interest. i told them that the loan is already paid off, i owe them nothing but since that they send late payment information to the 3 credit bureau about me. and because of that my credit score is messed up : i lost XXXX point the first month. i hired a credit repair company name XXXX to fix that for me. XXXX disputed the information to the XXXX, they closed the account. but XXXX XXXX keep sending late payment about to the other credit bureau and my credit score is affected each time, and now my banks started to decrease my credit limit line, i have been refused a refinance for my car. i reaaly dont know what to do. when i made a research on goole about XXXX XXXX, i found a bunch of people complaining about the same thing, that means i am not their only victim. they do the same thing to a bunch of people. i even found a law firm that use to sue them for the same thing.
01/05/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75056
Web
On XX/XX/2020 I purchased furniture from XXXX XXXX through the finance company XXXX XXXX. However, on XX/XX/2020 I called XXXX XXXX Manager of XX/XX/XXXX ) and informed him that I wanted to cancel the furniture that was supposed to be delivered on XX/XX/2020 because I found furniture somewhere else. XXXX then informed that he had canceled it and sent an email to XX/XX/XXXX I asked him to cc me on the email and never did. I realized in XXXX that easy pay sent me a bill. I immediately called XX/XX/XXXX and XXXX XXXX as well as placed them on a three-way call. XXXX said he sent an email and was sending another email right then. XXXX XXXX said they paid fXX/XX/XXXX the full amount for the furniture and wanted their money back. XXXX informed all of us he emails them to cancel furniture. I called XXXX XXXX and XXXXXX/XX/XXXX every month and XXXX told me that they sent email, however easy pay said they never received confirmation. I then went to the XXXX XXXX located in XXXX in XXXX of XX/XX/XXXX and they were very rude and threatened me. I have the recording of the whole incident. I asked them to please send XX/XX/XXXX and email and call them to say that I never received this furniture. XXXX at XXXX XXXX informed me he could not do anything about it. No documents can show that the furniture was delivered to my home and I signed for it. With all business activity it will show when I received and signed for this furniture. Therefore, if not proven the furniture was deliver to me, then I should not be held accountable. Now, this is still on my credit as a debt collection. XX/XX/XXXX is saying they can not do anything until they get their money from XXXX XXXX. XXXX XXXX has lied to me several times about taking care of this and they never did. In my hypothesis, XXXX XXXX paid XXXX XXXX for the furniture and XXXX XXXX took the money and never paid them back. XXXX and XXXX have informed me that they could not find the file and the contract withXX/XX/XXXX contract null and void. Please HELP, this is very unethical for a company to do fraud and place this on my credit and I never received this furniture. I am not sure which company is wrong or right, but I feel both are wrong in my eyes.
02/15/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33411
Web
I went to a puppy shop bought a XXXX XXXX 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 Duvera Billing services , LLC 413 Your Easy Pay Finance 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
02/15/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33411
Web
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
05/01/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • AZ
  • 85712
Web
I applied to have a loan from a company named Duvera Financial so I can paid for my Truck transmission repair for the amount of {$1500.00} in XX/XX/XXXX. I assume they told me 3 months without interest, but I undestood XXXX month without interest so I gave my XXXX XXXX XXXX account number and they withdrawn the monthly payments from XXXX to XXXX XXXX for the amount of {$280.00} each payment. So when I made the XXXX payment I found out that I was only XXXX month without interest not XXXX months so I asked for the amount to pay off the debt and they told me {$1000.00}. I asked my daughter to lend me a credit card to payoff and I did it on XXXX XXXX for the amount of {$1000.00}. Days later my daughter forgot about the payment and asked the bank for more info about this company, but they never retained/stooped the payment but they only asked more information to this company ( XXXX ). In this time ( XX/XX/XXXX ) XXXX XXXX deposited a temporary sum of {$1000.00} in my daughter 's account while they investigated the issue.That is the moment XXXX called me and said that now I owe them the sum of {$1300.00} to pay off the loan. So in XX/XX/XXXX I paid XXXX Financial the sum of {$1300.00} to stop any confusion and more interest charges. Also we asked XXXX XXXX to stop the investigation and we plead Duvera to return the over-payment they told us they needed more time and they promised they will return the money by the end of XXXX. In XXXX we claimed XXXX XXXX to proceed and return the over-payment of {$1000.00} since XXXX never responded to us. In XXXX XXXX XXXX finally returned the amount {$1000.00}. I received a call from XXXX now saying they are going to send to collection because I owe them the sum of {$29000.00} and if I do n't pay them they are going to proceed with the collection process.If I pay them the sum of {$290.00} they will send me a letter to cancel the debt.
08/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07501
Web
I, XXXX XXXX, am a consumer pursuant to 15 USC 1692a ( 3 ), 12 CFR 1006.2 ( e ), 12 CFR 1026.2 ( a ) ( 11 ) and 16 CFR 433.1 ( b ). //// DUVERA BILLING SERVICES , LLC is CONSUMER REPORTING AGENCY pursuant to 15 USC 1681a ( f ) ( p ). This is a dispute pursuant to 15 USC 1692g/// DUVERA BILLING SERVICES , LLC violated the FCRA for furnishing and reporting negative information on my consumer report that is inconsistent with the Permissible Purpose under the FCRA 15 USC 1681b. /// DUVERA BILLING SERVICES , LLC violated my consumer right to privacy which is a violation of 15 USC 1681 ( a ) ( 4 ) //// DUVERA BILLING SERVICES , LLC reported some negative transaction information, in violation of 15 USC 1681a ( 2 ) ( A ) ( i ), which clearly states that the consumer report does not include any report containing information to as transaction or experiences between the consumer and DUVERA BILLING SERVICES , LLC ./// DUVERA BILLING SERVICES , LLC also violated 15 USC 1681b ( a ) ( 2 ) for furnishing the negative information in my consumer report without my written consent. ///// DUVERA BILLING SERVICES , LLC also violated 15 USC 1681s-2 ( 7 ) ( A ) ( i ) and 2 ( 7 ) ( B ) for failure to send me a NOTICE OF NEGATIVE INFORMATION as mandated by the FCRA. I'm being denied credit and jobs opportunity due to DUVERA BILLING SERVICES , LLC non-compliance and violation of the FCRA /////I DEMAND the complete removal of the DUVERA BILLING SERVICES , LLC account including and not limited to any NEGATIVE REMARKS furnished by DUVERA BILLING SERVICES , LLC /// NOTICE IS GIVEN : In the event DUVERA BILLING SERVICES , LLC failed to comply with the FCRA , this complaint will be used as exhibit in any future federal complaint in Federal Court for the above referenced violations of the FCRA. And this account with be reported to the IRS for proper audit
02/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19120
Web
This company, DUVERA is reporting a false charge-off status about this account. Theyve openly admitted that there were no 1099c form filed for this debt, they said This account has not issued a 1099c form '' DUVERA is reporting this debt as a charge off but saying this debt is not cancelled/forgiven and wont file a 1099-c form for it but according to the IRS, those things must had happened to legally make this account a charge-off. So, if these steps were not followed by DUVERA to make this account a charge off by federal law standards, then what is this account? According to The IRS publication 4681, It Clearly defines a charge off as Gross or Ordinary income. According to XXXX XXXX XXXX XXXX edition a charge off is defined as anything manifesting intent to eliminate an item from assets if nothing on this account has been and not going to be eliminate on their end then how this company reporting it as charge off?? In order for an account to be a charge off, something must happen first. If DUVERA has not charged the debt off on their own taxes, wont wrote the account off on their taxes and can not provide a 1099-c form, then it can not be a labeled as a charge off account. This company made up their own rules about what charge offs and willfully ignoring federal laws and definitions. Everything the FCRA have in place to protect me as a consumer is violated. You can not report an account in a status that it is not. This account isnt a charge off! DUVERA is aware of their inaccurate reporting and has violated federal law 15 U.S code 1681s-2 I notified them in writing TWO times about the inaccurate reporting and under the prohibition section of FCRA this item must be deleted from my consumer reports. I WILL FORWARD THIS LETTER TO ATTORNEY GENERAL, XXXX AND IRS. I INTEND TO TAKE LEGAL ACTION
08/27/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 92553
Web
I have been involved in a Consumer Credit Transaction for 2 years now with Duvera Billing Service. Duvera does require you to give my social security number to acquire services, my social security number/card is Defined as my credit Card Pursuant to ( 15 USC 1602 ( L ) - Means any card, Plate, Coupon Book or other Credit device existing for the purpose of obtaining money, Property, Labor, or services on credit. ) Whenever a Consumer is involved in a Consumer credit Transaction a Finance charge is involved and is the sum of all charges Pursuant to 15 USC 1605. Not only is the Finance Charge the sum of all Charges but does not include charges of a type payable in comparable cash transactions. Duvera billing Service has taken multiple cash payments. On XX/XX/2019 Duvera Billing Service took a Down payment on a Consumer Credit Transaction for the Financing of a auto installment in Exhibit B which is a Violation of 15 USC 1662. As a Federally Protected Consumer Duvera Billing Service has Violated my Rights Pursuant to 15 USC 1611 and is Criminally Liable for willful and knowing for not disclosing any finance charge involved with the account and taking cash payments in a Consumer Credit Transaction. Duvera Billing Service has Failed to follow the Provisions on statements that are involved under Open End Consumer Credit plan ( 15 USC 1637 ) and is Civilly Liable Pursuant to 15 USC 1640 Pursuant to 15 USC 1692K Duvera Billing Service has Violated Multiple debt Collection Practices Violating my rights to Privacy and Has Closed my account for Failure of Payment in cash Transaction. When asking for cash Transaction in a consumer Credit Transaction is a Criminal Charge.
06/16/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • DE
  • 19805
Web
I had to get some work done on my car roughly around XX/XX/XXXX. At the time I could not afford the total amount of {$600.00}. The gentleman at the register at XXXX XXXX XXXX XXXX suggested I finance the amount of the repairs, which I agreed to and signed. A couple of days later I receive a call from XXXX XXXX saying that they had purchased the contract from the XXXX XXXX XXXX XXXX and they would be collecting the payments. XXXX XXXX and I discussed the terms of the agreement, which we agreed to. We proceeded to set up EFTs through my XXXX XXXX account which I suggested. A few day later I received a welcome letter from XXXX XXXX, reiterating what we had discussed a few days earlier. ( See Welcome Letter Attached. ) The problem happened after they attempted to continue withdrawing funds from my account via EFTs from my XXXX Bank Account. I call on XX/XX/XXXX and spoke with XXXX asking why they were attempting to withdraw money from my account after the agreement was fulfilled? ( See EFTs withdrawn from XXXX XXXX Attached ) According to XXXX that was not the contractual agreement and I owed roughly another {$600.00} plus, on top of what we agreed to verbally, and in writing referencing the terms via the Welcome Letter. XXXX XXXXXXXX has reported this on my credit report as a collection account. Even as per the agreement I fulfilled my financial obligation for services rendered. Also, they have consistently called and ask me to make some kind of payment arraignment for the remaining balance. Which I have painstakingly told them the obligation has been fulfilled and I have the letter, and withdrawals to confirm I owe nothing.
06/07/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MN
  • 564XX
Web
During XXXX of XXXX, i was kicked out of an interest rebate program. XXXX XXXX XXXX is saying its lack of funds when it was declined due to entering the wrong zip code. as i intended to pay off the balance in full to receive the benefits within XXXX months of no interest payments, due to circumstances i received emails saying my paying account was denied thus kicking me out the program. when i verified the funds like they asked by sending bank statements they then tried saying the bank statements doesnt prove that it was my funds. the creditor then expressed how a three way call with my bank was needed to verify that it was my account. I tried setting up calls but one employee told me they dont schedule calls ( although today they were able to? dont understand why they couldnt with helping me with scheduling a call to verify the proof ive already sent. ) them kicking me out of the program instantly makes the company more money versus being willing to help. they claimed i havent reached out since the emails but lacked the brain power to understand ive called the call center several times to be placed on hold - getting a call back 3 hours later when my bank is closed for a 3 way call with them didnt help me out. this happened several times before ive given up and accepted the fact no one is willing to help. the balance has already been paid off in full and yet expecting another {$400.00} from interest due to theyre unwillingness to help my account. they didnt accept me back into the program after already verifying that i had sufficient funds like they requested.
04/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • GA
  • 30012
Web Servicemember
Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. b. delete the item of information. c. permanently block the reporting of that item of information. Duvera Billing Service was disputed on XXXX due to the account not being mine. I have requested multiple investigations for the company to provide proof that this is my account. The company has not communicated any information regarding the requests and therefore are in violation of the law listed above.
09/20/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • IL
  • 60611
Web
Duvera Billing Services is incorrectly reporting a debt in the amount of {$1000.00}. Their records show an account was established on XX/XX/2015 for an Installment Sales Contract loan.Their records show that 13 % of payments were made as they automatically deducted the amounts from checking account after numerous attempts to change payment terms, frequency and amount. I was told I could change the billing frequency and due at any time and then was told nothing could be changed. Upon review of the application and credit report, I determined that the loan was granted because the store fabricated information in the app to get me to qualify for the Installment Sales Contract. They lied and said I was a manager and changed income amount from what I reported. I saw they misspelled my employer name and lied and said I was a manager when in fact a Host. The store advertises everyone approved because they are adding things to consumer apps to get them qualified for a Installment Sales Contract and are not properly explaining the repayment terms and are doing business unethically. The payments were only made because I they automatically deducted from the account I provided and I hate to put a freeze on the account because they said that I could make new arrangements but kept deducting payments.They need to make sure they are doing business ethically and not lieing to consumers and ruining credit. The collection could have been avoided if I was not lied to about being able to change payment arrangement due dates and frequency.
12/10/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • CA
  • 922XX
Web
On XX/XX/2022 I was a victim of a preditory loan scheme with XXXX XXXX XXXX XXXX XXXX. Went in to get an estimate on my car and was told it would cost XXXX XXXX XXXX, but I could apply for a credit card with XXXX. I said no several times but before I knew anything she was on the phone with them giving out my information, Then I was approved for this predatory loan. Later that week I told them I wanted to pay them off earlier due to this program they advertised. The payments were set up for me to pay them off in three months for XXXX XXXX and XXXX dollars. I made first two payments and the last payment was declined. on the last payment. I asked if I could pay by checks and was told I could not pay that way because I didn't check their box on the contract. He informed me that I would have to pay XXXX XXXX dollars to complete the loan. XXXX and XXXX dollars. was declined. on the last day of payment. I asked if I could pay by checks and was told I could not pay that way because I didn't check their box on the contract. He informed me that I would have to pay XXXX XXXX XXXX to complete the loan. This company if you can call them that uses unethical and deceitful practices and should not be allowed to do business in California ; unless they follow policies Also, they fail to report to the credit agencies about the second payment which I made as if they knew or expected that last payment would not be made or be declined. They did not report the second payment so this will be reported to the credit agengies.
01/08/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NJ
  • 07712
Web
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.
11/17/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AL
  • XXXXX
Web
I opened an account with XXXX to pay for car repairs. I financed about {$1200.00} and repaid the entire amount, plus the 5 % interest within the first 90 days. XXXX hassled me about repaying the whole amount in a timely fashion, but eventually marked the account as paid in full and closed it on XX/XX/XXXX, 2 months after I had repaid the loan. Then in XX/XX/XXXX I was contacted by the company saying that I owed them an additional {$100.00} that had been miscalculated by XXXX. I did not agree with this and requested proof but never received. Instead I received a notice saying that if I did not pay the additional {$100.00} the account would be sent to collections, so against my will, I paid the money as I was trying to buy a house and keep my credit in good standing. Once I paid the {$100.00}, the account was closed again in XX/XX/XXXX. Unfortunately, I received yet another notice in XX/XX/XXXX from the XXXX alleging that I now owed them an additional $ XXXX. I requested an itemized breakdown of how I could still owe them, but I have yet to receive that document although XXXX has now reported the fraudulent debt to the credit bureaus who are unethically upholding XXXX 's scamming practices. My credit report even shows that I paid the debt in full in XX/XX/XXXX, yet the credit bureaus are allowing XXXX to fraudulently report this information. Moreover, the debt has been reported as three ( 3 ) different amounts : {$530.00}, {$650.00} ( {$650.00} ), and {$690.00}.
07/13/2015 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • CA
  • 92405
Web
Our car had a problem with the brakes, and we did n't have the money to afford the payment in cash, and our credit card did not have enough credit limit to make the payment. The person in the place ( XXXX XXXX XXXX XXXX ) offered to contact a lender and immediately we got approved Follow the approval announcement, the guy asked me my phone number, and I did receive the notification of the approval, and I gave out my bank account information to set up the monthly payments, which we did understand. We thought that the interest rate could n't be higher than 30 % or so. I did ask the guy if they will send the contract detail by mail, and he said that I should be receiving it in two or three days that never happened. Today, since they did not email any statements or detail contract, and we wanted to pay off I contact them, and I was very frustrate and surprise when they informed me that the amount was almost the same after we make several payments that in theory should cover the full amount plus the interest rate of 30 %. We never get the figure of " get money today and pay tomorrow ''. The terms and conditions were not clear, and we did not get notify in any way. They mentioned today that they sent an email with the contract, but we never got it, and they did not mail any monthly statements or even emails with the information of the payments. Just right now we knew that we have to pay 189.00 % in interest rate, when we expected to pay off the full amount.
10/31/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 275XX
Web
The work that I had done at XXXX XXXX XXXX XXXX in XXXX, nc was completed on XX/XX/2022. My check engine light was reset and the work was complete however, yesterday afternoon I get in my car to go get my kids from school and the check engine light is back on, I havent even been driving my car a week since it was serviced. I am not paying on the contract for that portion of the work if the problem was not fixed. Back in XXXX I used XXXX with a local mechanic, long story short the mechanic shop made the problem worse and i took it back to them twice, they told me to take it to XXXX XXXX. When I signed up with XXXX, I was told I would have a 3 year warranty for any service that they completed. When I reached out to the mechanic shop and XXXX about rectifying this they told me its nothing they could do. I paid {$1900.00} a month later to XXXX XXXX and they fixed the emissions system, after paying the local mechanic {$2000.00} for work they claim they fixed but they basically put a bandaid on the real issue. I took it XXXX to verify which code was malfunctioning and its the same service that was supposedly fixed by XXXX XXXX XXXX XXXX. My emissions system light has come on twice since they supposedly fixed. I took my car to them today and his words were you need a second opinion, we cant determine the failure. I ended up selling the vehicle two weeks after the first mechanic claimed to fix my gas leak. I have a new vehicle now.
04/09/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • VA
  • 23803
Web Servicemember
On XX/XX/23, I reached out to this place called easypay regarding the interest rated on a loan that was obtained. I informed them via email the VA State Law regarding interest rate, which they had mines at 133.99 % VA State law doesn't allow for loan rates to exceed past 36 % which is what I told them. They responded the same day stating a 90 day promotional period and a law called " Credit Sale Act ''. I looked this information up for VA and there is no law in VA for this. I provided them with several VA Code Laws and they emailed me back the following day stating that they are allowed to charge up to 134 % which I know to be illegal due to past issues with other loan companies and speaking to attorney 's about it. This email transaction continued until XX/XX/23. Then that's when the constant phone calls began and the harassment started. They will call all odd hours of the day and night. As of the first week of XXXX, they have falsely reported information on my credit report, which has caused my score to drop severely. I have notified them reiterating what I stated on " XX/XX/23 that they were violating my rights as a consumer by fraudulently reporting information that is not true on my credit report. What you as a company are doing is unethical and illegal ; illegally getting consumers to obtain a loan under false pretenses. This information will be reported to the credit bureaus, consumer protection agencies, and XXXX ''.
04/21/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 92563
Web
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.
02/21/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • XXXXX
Web
I had fallen behind in payments. To help me out XXXX XXXX sent me an Exclusive Offer where it agreed in exchange for a {$10.00} payment to readjust my payments to {$57.00}. Since then, the company has contacted me to collect at least {$150.00} over that amount, In XX/XX/XXXX, I spoke with a representative who tried to collect nearly {$250.00}. I asked why the amount was so high and the representative let me know that it was trying to collect {$150.00} plus additional fees ). I asked about the Exclusive Offer and the representative let me know that the company received it. for a Supervisor to call me back to make sure that my payments were adjusted and to explain to me why fees were added on after our agreement? To this day, I have not received a call back from a Supervisor. Yesterday, I received an email from XXXX XXXX about some other offer to reduce the total amount owed. Today, I spoke with an XXXX XXXX representative named XXXX who told me that I had to pay well over the amount of {$57.00} and that my account is in collections. I let XXXX know that we had an agreement that XXXX XXXX never followed through with and it illegally has sent my account to collections. I let XXXX know that I would be contacting the CFPB to file a complaint. This company, in XX/XX/XXXX, received my payment to readjust my payments and it never followed the agreement it led me to believe we had.
03/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 22207
Web Servicemember
On XX/XX/XXXX, I obtained an installment loan from XXXX XXXX to fund my vehicle repair from XXXXXXXX XXXX XXXX XXXX The loan was advertised as 90 days same as cash with no interest or prepayment penalty but with an APR of 119 %. While the interest rate was unreasonable, I could not afford to pay the {$1200.00} repair at the time and urgently needed my vehicle for work, XXXX school and to take my kids to school and other places, so I took the loan. The loan was disclosed to have semi-monthly payments of {$69.00} over a 48 month period that were required to be auto payments. The first payment processed on XX/XX/XXXX and subsequent payments were made via auto payment twice every month. While all payments were made and processed including extra and irregular payments, XXXX XXXX has reported to the credit bureau that the account is past due 30 days. The fact is that the account is actually paid in Full. While I have attempted to resolve this in phone calls with XXXX XXXX, but have been unable to do so. I have been retaliated upon for I believe paying the account off in full and avoiding the exorbitant and illegal interest ( according to Virginia XXXX XXXX interest rate on consumer installment loans is 35 % ). XXXX has deleted my online account access and refuses to update the account status to paid in full based on my last payment of {$1400.00} on XX/XX/XXXX.
03/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 22207
Web Servicemember
On XX/XX/XXXX, I obtained an installment loan from XXXX XXXX to fund my vehicle repair from XXXX in XXXX, VA. The loan was advertised as 90 days same as cash with no interest or prepayment penalty but with an APR of 119 %. While the interest rate was unreasonable, I could not afford to pay the {$1200.00} repair at the time and urgently needed my vehicle for work, grad school and to take my kids to school and other places, so I took the loan. The loan was disclosed to have semi-monthly payments of {$69.00} over a 48 month period that were required to be auto payments. The first payment processed on XX/XX/XXXX and subsequent payments were made via auto payment twice every month. While all payments were made and processed including extra and irregular payments, XXXX XXXX has reported to the credit bureau that the account is past due 30 days. The fact is that the account is actually paid in Full. While I have attempted to resolve this in phone calls with XXXX XXXX, but have been unable to do so. I have been retaliated upon for I believe paying the account off in full and avoiding the exorbitant and illegal interest ( according to Virginia code max interest rate on consumer installment loans is 35 % ). XXXX has deleted my online account access and refuses to update the account status to paid in full based on my last payment of {$1400.00} on XX/XX/XXXX.
11/16/2021 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • WI
  • 53211
Web Servicemember
XX/XX/XXXX I was hospitalized with XXXX I was in the hospital for some time. Once I got out the hospital I had contacted EasyPay Finance I asked to speak to a manager and I was transferred to XXXX XXXX I tried to explain to him that I was in the hospital and when I got out I had an alert from my credit bureaus I had a negative account I tried to explain to XXXX that I had set up my account for automatic payments, he replied with a negative comment about people want to complain when they don't pay their bills. I explained that their company had made an error and I ask that they clear. He said no it was in collections and it was not the companied fault and it had to be paid in full. I asked to speak to higher supervisor he said he was the only one. XXXX was extremely rude and did not care to hear what I was trying to explain to him. He said the only way they remove the negative remark was if I paid it in full then they would have the tradeline deleted. On XX/XX/XXXX, I paid the account in full and received a letter stated the negative reporting would be removed in 4 weeks. I have emailed them multiple times and they have not responded or removed the tradeline. My credit was damage due to the negligence and continues to be on my credit and it has been XXXX months and XXXX day the account was paid and the tradeline is still on my report
06/19/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • CT
  • 06450
Web
I took a loan with XXXX XXXX on XX/XX/XXXX when I need necessary car repairs and had no other options. I signed an agreement and tried my best to make bi-weekly payments of {$71.00}. On XX/XX/XXXX I sent an email to the customer service dept. explaining I was having difficulty making the payments and could they please lower the interest rate or work with me to make smaller payments so I could pay back the money faster. They refused and I have been bombarded with text messages, and calls ever since. A recent text message offered me the chance to get my account back on track if I paid {$10.00} and then set up a once a month payment. I paid {$10.00} on XX/XX/XXXX and then had set up a payment of {$100.00} on XX/XX/XXXX and thought from what the email indicated they would be taking a {$100.00} payment per month going forward. However, they took {$71.00} on XX/XX/XXXX and tried to take the additional {$100.00} on top of that. I have contacted my bank to stop any further EFT withdrawals from this company as they seem to do what they want and I can not afford to have unexpected withdrawals from my account. I feel like this company is taking advantage of people who have no other means of getting assistance to pay for unexpected expenses and are just setting people up to fail with charging almost 100 % interest rate!!!
08/10/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NJ
  • 080XX
Web Servicemember
I went to XXXX and was told I could and maybe should apply to get an auto repair loan. In turn I did more than once. At first I was able to pay off the auto loan within three months with the companies promotion to avoid high interest rates and so forth. I then found myself applying for a repair loan again at XXXX and I even stated on the phone that I was hesitant because know I wont be able to pay it off within three months. I asked if the MLA act or SCRA act or something would apply to me since I am a single parent with children and a XXXX XXXX XXXX XXXX. I was transferred to another department XXXX XXXX and told me that I should under the MLA and just send in my ID and XXXX and or any other documents asked for. I wanted to send it in right away and was told to wait until after I got the loan and my vehicle fixed to do it. I sent in the documents and even emailed it and Im still paying a monthly payment with 99 percent interest. Now Im wondering if this even applies to me or was I misinformed? There should be something and or a law that protects veterans and retirees in these situations. Therefore, please do let me know if I do or do not fall under some kind of law that protects my situation from high interest rates or not and if there is something I can do or not and thank you.
01/02/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • NJ
  • 080XX
Web Older American, Servicemember
XXXX. it all started with XXXX my son needed his car repaired and the estimate was over XXXX dollars. He has no credit so I let them open a credit card in my name to pay the repair. Everything was fine and I had authorized the credit card. Then all of a sudden after having the car for a week and at the end of the week when the car was supposed to be done they call and tell him it needs an additional parts and the bill would be more. So the credit card company denied an increase in credit on the card and I was unaware of that fact so XXXX calls me asking for some info which I thought was to help increase the credit limit but it was not. What they did was enrolled me with XXXX XXXX XXXX without my knowledge or permission because they didn't even ask me if I had the means to pay the balance which I did. So XXXX XXXX XXXX gives them a little over XXXX dollars for the balance. I get a letter from them with my terms and they are XXXX dollars a month for 24 months which means I am paying back over XXXX dollars which I think is extortion. So please look into this companies practices. Tomorrow I am going to call them and try to pay it off but I have no idea if they will even let me and if there will be an early payment penalty which I have a feeling there will be
08/09/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • WA
  • 98375
Web
My transmission needed repair in XX/XX/XXXX and the cost was {$3200.00}. I needed financing for {$1500.00}, and XXXX approved me through the transmission repair company ( XXXX XXXX XXXX XXXX in XXXX ). My payments were set to be {$280.00} which I said I could not afford, and XXXX verbally told me they would work with me after I made a successful payment. My husband then lost his job, and when I called XXXX they would not negotiate and I could not make my payments. In XX/XX/XXXX XXXX emailed me with a one time offer of reducing my payments to {$150.00}. I called and accepted. Although my husband still has not returned to work, I have been saving my money to pay off this debt. I called XXXX today, and was shocked to learn that the {$150.00} payments I have been consistently making, have not even touched the principal balance. Even worse, the payoff balance is {$2000.00}. I offered to settle, and the customer service rep told me to " make an offer ''. I offered {$1400.00} and that was rejected with their counter-offer of {$1700.00} which I do not have. I have paid {$1700.00} in financing fees since last XX/XX/XXXX and I want to get rid of this debt. Attachments are included. This simply can not be legal. Thank you for any help.
04/30/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IL
  • 60827
Web
XX/XX/2020 The manager XXXX XXXX at XXXX XXXX XXXX XXXX XXXX deceive me into applying for two loans totaling {$6100.00} to get my car back he was holding as hostage. I was hardest hit, and I was committed to keeping my financing needs a top priority during this uncertain time. These extremely high interest charges from auto shop/lenders unfairly punish society 's most vulnerable, hurting low-income consumers like myself and communities of XXXX. XXXX is profiting off high fees charged to those struggling the most leaving me and my family in financial distress.They have trapped me in a cycle of debt, their tactics are abusive and predatory and especially borrowers of XXXX. I filed a complaint with the Office of Attorney General Back in XX/XX/2020 with no resolution, only to have XXXX XXXX XXXX XXXX manager respond back he don't know why I'm unhappy. I have the letter to prove it. XXXX original balance was XXXX, as of today, I have paid them {$2800.00} and they still have my Payoff at {$3000.00}. They are swindlers, swindling me out of extra cash, this is a crime and one form of theft. I do not want to harm my credit report and score so please help me and stop this swindling from XXXX. Thank you. Sincerely.
05/02/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NJ
  • 078XX
Web Older American
Went to a XXXX store on XX/XX/2023. My car needed XXXX XXXXXXXX repairs and as a XXXX XXXX, I dont have that much money. The manager told me to scan a code on a sign in the store. He even helped me apply on his computer. He told me I was approved for {$2700.00}. I told him to do the work. The loan documents werent printed out until the work was done and I was checking out. The interest rate was 178.99 % and the installments were {$440.00} for 12 months. The name of the company is Easy Pay Finance aka as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX XXXX. There was a 90 day grace period in which the fee was {$40.00}. I had to borrow money to pay this outrageous loan off. I never wouldve allowed the work to be done if I knew the terms of the loan beforehand. I realize I was at fault for not asking to see the documents before the loan was applied. I am having trouble paying the amount of the repair back since I am retired on Social Security and a very small pension. Any help would be appreciated. This total usury of a XXXX XXXX The name of the store was XXXX XXXX XXXX XXXX XXXX NJ XXXX The repair was performed on XX/XX/2023 and the amount of the repair was {$2400.00}
06/27/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • OR
  • 97140
Web
XX/XX/XXXX my XXXXXXXX XXXXXXXX XXXX that I purchased less than a year prior to date, had to get the catalytic converter replaced. I went to my mechanics to get the services done. When he told me the new auto repair finance company they were using I had no choice but to go with it. Im a single mom with a XXXX and only work XXXX a week. Ive been consistent with paying my biweekly payments of {$90.00}. While making these payments I was waiting for a check from XXXX ( where I purchased my vehicle ) to help compensate half the cost to repair my car. I finally get the check ( XX/XX/XXXX ) and I got on the loan website and it says I owe {$1500.00} The total cost to repair my car was {$1400.00}. And Ive already paid them about {$540.00} since getting the repairs done. I look at the interest rate and its a rate of 148.98 %.. I called the company to see if there was anything they could do to help me and I basically got a big XXXX from them and told me that they make sure theyre very clear about all the terms to the loan and that included sharing the interest rate. Theres absolutely NO way I will EVER be able to get this loan paid off, and I felt like I had no choice but to finance with them.
08/10/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 33714
Web
In need of a transmission repair for my pick up I went to the local Transmission shop and could not afford transmission salesman referred me to try to get this loan through XXXX XXXXXXXX or duvera billing. After making payments for almost 18 months after at what the company told me would have me paid off at 24 months I checked the principal balance and it was more than the initial loan amount. Then after calling someone I was informed there was 133 % interest compounded daily essentially making it impossible to ever pay the loan off if you dont have XXXX in hand. This company is taking advantages of mid to lower class individuals. Second too this scam but no lesser evil XXXX XXXX XXXX XXXXXXXX XXXX did the repair on the transmission with a limited warranty of 18 months within less then 6 the seals blew on my way to work with all my tools in truck leaving me stuck in the rain having to rent a vehicle to fulfill contracts that were scheduled and had to pay for the tow as well and any hard parts according to them. To this day that transmission has not been right and they know it not to mention cutting exhaust hangers and leaving them in welded back. These people should be disgraced.
11/01/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19144
Web
XXXX account # : XXXX. Looking over my credit report, I saw your company reporting the collection account referenced herein. Following the Fair Debt Collection Practices Act ( FDCPA ), I am notifying you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information. Original contract agreement, clause in the original signed contract that authorizes the third party like yourself to collect on this debt, statements from the original creditor and itemization of monies owed, copy of bill showing last default date, proof that the debt is valid and collectible and within the statute of limitations for this state, proof that you are licensed to collect in my state of residence and a agreement between your company and the original creditor that authorizes you to collect on this debt. I am allowing you 30 days to give me this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.Your failure to act will result in this matter heading to small claims court for violations of the FDCPA.
09/29/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • NV
  • 89115
Web Servicemember
I got financed by DUVERA finance also known as easy pay for XXXX dollars so I could buy my kids a puppy. The pet store clerk was misleading about the interest rate and when i advised i was XXXX military he assured me that would be handled appropriately. ( i should have verified before i signed the contract ) I am now paying 189 % interest on my loan. When I called duvera they were rude and said that they do not have to lower my interest rate at all and they based it all on a loop hole. The woman i spoke to said SCRA didnt apply in my case and went on about a bunch of different contracts. She even laughed and said to go ahead and speak to my legal office because they dont care im XXXX and they know the law. I paid XXXX on my loan and only XXXX has actually gone to pay off my dog. They threw a bunch of legal jargon at me that I did n't understand which was probably to confuse me and it did. I called to see what it would cost to pay off the loan next month and they gave me a balance of XXXX dollars. I am so upset with this company. I am a single mom of XXXX who is XXXX and I feel like I have been scammed and taken advantage of.
11/06/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • CA
  • XXXXX
Web
I got a loan from DuveraXXXX XXXX, I paid for some months an later I was unable to continue making payments on my account because the payment service or website was not working, after 30 days they sent the account to collections even when was not fault that their payment processing service was down and can't accept payments. I still being calling this company thru different numbers but all those phone numbers XXXX, XXXX, XXXX, XXXX, but any of those phone numbers works. Since they sent to collections my account by mistake, this hurt my credit score, and just because this company does not take phone calls I can't pay them of negotiate them. Also I being looking their website like https : //duvera.com/index.htm and XXXX XXXX XXXX I disputed the account thru the credit bureau agencies because I never had the opportunity to pay this account, also this account was charge off just after 30 days late payment and I was because they do not allow me to make payments. For some reason the credit bureau investigation resulted as " verified '' How they verified if nobody answers the phone??
10/11/2015 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • CA
  • 92240
Web
I had some work done on my car XXXX/XXXX/15. 3 days later on XXXX/XXXX/2015, I was admitted to the hospital XXXX. I contacted Duvera Financial in XXXX, CA, to let them know right away, I would be XXXX and i Asked if it would affect my contract. I was told everything would be ok, due to my XXXX condition. I may only have a late fee of {$10.00} attached to my acct. NOT that I owed the Full amount of {$2800.00} on this contract, due to this 189 % interest rate, which I only had {$1200.00} worth of work done on my car. Why am i Paying an additional {$1600.00}?!? Otherwise, I could of made plans or had someone loan me the money to avoid paying this high dollar amount. I had previously done business with this company, and paid them off twice in 90 days to avoid these astronomical fee 's. I have now paid up to {$2000.00} and I just want this to be over. ; ' ( ( ( NO COMPANY should be able to charge an interest rate so high, when the economy is Not even Financially stable. ) ) This is ridiculous! I feel like i 've been punished twice, from being stuck in this contract and for being sick.
12/09/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30339
Web Servicemember
I am not sure who this company is I never signed any loan and pay agreements with this company. I never even received anything in the mail prior to this account being put on my credit report and a debt or a charge off. DUVERA has violated my rights by not sending proper documentation via mail not giving me an opportunity to dispute debt. I never received written notification of debt via mail. And this is a Fair Credit Report violation. 1006.34 Notice for validation of debts. This company never mailed or sent me anything. I will be contacting an attorney in regards ti this company. Nothing only did this company damage my credit rating this company did not follow the guidelines of the Fair Credit reporting Act. XXXX is at fault as well for allowing this company to report false inaccurate information. I will be filing a complaint with the state of California and the state of Georgia. You will be hearing from my attorney. I am going to sue you for several Fait Credit reporting violations. Each violation is worth {$1500.00} and you committed at least three ( 3 )
03/05/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • NV
  • 89119
Web
OnXX/XX/XXXX at XXXX XXXX I made a one time {$200.00} payment with XXXX XXXX, debit card XXXX, over the phone to XXXX XXXX XXXX XXXX. That same day i made another {$200.00} payment with visa gift card XXXX also over the phone. On XX/XX/XXXX {$110.00} was automatically taken out direct from a bank account for my regular monthly payment. On XX/XX/XXXX at XXXX XXXX I was charged an additional {$200.00} to my XXXX XXXX debit card XXXX, and without authorization the card was ran and the funds processed leaving my account in the negative. I contacted the financial company and they denied having any knowledge of the double charge and attempted to blame the XXXX XXXX card company and advised to to confront them on my missing money and the overdraft/ double charge. After contacting XXXX XXXX support, they sent me the billing statement showing that XXXX XXXX XXXX charged my card without consent for an extra {$200.00} and received the money they claimed was not in their possession and they had no record of. all billing statements and proof will be attached.
03/06/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • AZ
  • 85138
Web
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.
10/10/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • AZ
  • 85308
Web Older American
Good day, I wanted to surprise my husband with a new aquarium at a total cost of {$360.00} on XX/XX/XXXX. I have been approved with XXXX XXXX XXXX XXXX for {$1700.00}. I was appalled at the interest rate. The APR rate on the {$360.00} was 188 %. After figuring the interest for one ( 1 ) year it came to a total of {$550.00}. I truly believe this company called XXXX XXXX XXXX needs to be investigated as they take people with good, bad, and those trying to establish credit to the cleaners. I do have decent credit. I did not sign any contract with them. The company is nothing more than legal loan sharks. I also believe they need to be put out of business due to the overly high interest rates. The interest rates this company charges is not in any competitive field with banks etc. From the reviews I have read on the Better Business Bureau website, they have no intentions on being honorable with their customers. The business address for XXXX XXXX XXXX is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX Thank You, XXXX XXXX
10/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30331
Web
Greetings, I would like to file a complaint against Duvera Billing Service. I dont recall having this account in the past. However, it continues to show up on my credit report. Therefore, I disputed the account through XXXX, XXXX, and XXXX on XX/XX/2021. In response, the account showed verified. As a result, I disputed this account with the creditor. On XX/XX/2021, I sent a dispute letter certified by mail requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. In response, I received an itemized printout. As a result, I sent a follow-up letter through certified mail on XX/XX/2021. In response again, I received the same itemized printout. As a result, I would like this item to be removed from my credit report. In addition, the company violated the fair debt collections Practice Act, Fair credit reporting act, and local state law by not providing evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay.
02/01/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • WI
  • 53092
Web
On XX/XX/2019 at approximately XXXX I spoke with a customer service representative by the name of XXXX XXXX who set up a payment arrangement for an account held with XXXX XXXX XXXX ( Duvera ). XXXX XXXX assured me that with following through with the payment arrangement the account would stop reporting negative and any previously reported negative information would reflect positive, effective XX/XX/2019, when the company updated their reporting. I spoke with a representative today who told me that they will not honor the arrangement made between XXXX and myself because it is not policy. Another representative stated they would " review '' the account to see what could be done. I made a significant sacrifice to make this payment arrangement under the contingency that the previous negative information would be updated to reflect pays as agreed since the so called missed payments would be moved to the end of the loan ( deferred ). I was made a false promise of improved payment history in an attempt to collect a debt.
02/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • AL
  • 36301
Web Servicemember
My XXXX account number : XXXX On XX/XX/XXXX I finance two puppies with, XXXX for {$2500.00} with a ninty day same as cash and made a payment of {$440.00} on XX/XX/XXXX and XX/XX/XXXX I paid 1, XXXX and the final pay was paid on XX/XX/XXXX of {$460.00} which I've paid this account out in full. In XXXX 0f XXXX, XXXXDuvera Financial reported to the credit bureau that my account was delinquent which is very untrue. I called XXXX on XX/XX/XXXX and the XXXX and XXXX also XX/XX/XXXX with no avail of them trying to resolve this matter nor did, XXXX or XXXX tried to help me in resolving this issues at hand which has caused my credit score to drop and hardship to my living and for me to get a loan form anyone else due to their misleading fraudulent report of me missing a payment. These people at, XXXX XXXX Duvera Financial are misleading and scammers they're fraudulently mishandling my paid in full never late account with their company! XXXX XXXX needs to correct my credit report with all three reporting agecny!
09/24/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • AZ
  • 86442
Web Servicemember
I 've just had to get my car repaired on credit. I went to XXXX of XXXX XXXX XXXX XXXX XXXX ' in XXXX XXXX AZ . They use 'EasyPay ' finance company for financing of customers needing credit. 'EasyPay Finance ' ONLY does 'applications ' by CELL PHONE. This is highly irregular as cell phones have very minute screens in which to view the numerous needed documents. This makes it almost IMPOSSIBLE to see what you are signing. I am also well aware, or thought I was, of the Federal CAP on loan interest rates of 20 %. So when I finally received printed copies of the documents that I could actually READ I noticed that there is an APR of 188.99 %? I initially thought this to be a typo since this is EXCESSIVE? This makes the FINANCE CHARGE {$1000.00} for a charge of only {$810.00}. This entire matter must surely be FRAUDULENT? How can anyone legally charge a larger finance charge than the amount of credit needed? My Application Id is : XXXX I look forward to any correspondence from anyone regarding this matter.
09/29/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NJ
  • 07016
Web Servicemember
I borrowed money to complete an expensive purchase of a pet for my daughter! They took application at the pet store. They let me have {$1800.00} loan They said I could pay loan in 90 days without penalty or interest. I tried to pay the loan and they said that I missed 2 payments so the loan went into default and that I owed almost twice the amount of original loan in fees and interest! I contacted them and they insisted that I owed the money ; and that I could do nothing! Now they have another entity trying to collect the debt and in less than 14 months the debt has been reported to 2 of the credit agencies as over {$5000.00} They reported several times with variations to account number and totally different dollar amounts so the agency has lowered credit scores over 100points because of multiple violations or debts. The agency reporting the debt has not verified the debt and its been over 65 days since we requested proof or verification of debt. The companies name is DUVERA FINANCIAL.
02/28/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • SC
  • 29407
Web
Took our loan of {$2500.00} with biweekly payments of {$130.00} to pay for transmission through XXXX XXXX who uses a company called easy pay to finance. We struggled to make these payments biweekly and were able to come up with the payoff amount given verbally of {$2400.00} in XX/XX/XXXX. We then starting receiving messages around XX/XX/XXXX that the interest had continued to accrue as we did not pay the entire amount off despite being quoted that. We attempted several times to settle but the amount wanted was too high. Now they are asking for over {$1900.00} just in interest payments. I have sent three debt validation letters with no response, the last with the address given on my credit report, the letter was returned address not known, unable to forward. We never wanted to finance a transmission and could not afford to do anything but finance due to transportation needs. This company took advantage of us, we called and were given a payoff amount the money was immediately sent.
01/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19114
Web
Thank you for reading my request about this account with your company. I am writing today because, during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX and XXXX. I am requesting that your company please forward me a copy of the XXXX that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. Please also enclose a printed copy of my payment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard XXXX mail at my home address listed above. If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within 5 business days of the written confirmation. Thanks in advance
06/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 90059
Web
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
05/05/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CT
  • 06824
Web
LCalled looking to get information on 90 day interest free promotion that expire XX/XX/XXXX on my loan. Immediately the rep started implying about late payments and by XX/XX/XXXX they would attach XXXX dollars to my loan!! which is bizarre illegal and she simply lied about my account being late because they EFT my bank account every other week. Csr then places me on hold for 30mins. She then switch story and tells me if full payment not made by XX/XX/XXXX then 90 day promotion is null and will still attach XXXX interest fees to account she was talking over me wouldn't allow me to speak was very rude wouldnt let me speak to a manager. Nowhere in contract it says anything this csr was saying over phone. Interest free means nothing goes towards interest for 90 days. You will immediately start to take interest after promotion expires moving forward. This company dishonest crooks does subprime and goes against FTC. They never report all my payments to credit bureau.
03/03/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • TX
  • 770XX
Web Servicemember
This complaint is about XXXX XXXX XXXX, which is a business actually known as Duvera Billing Services. The Company Duvera Billing Services, had misled and misrepresented their services as I believed I had entered an agreement with XXXX XXXX XXXX. The company forced me to sign documents through a mobile electronic device, thereby making lines very hard to read and especially difficult to further review. However, they have set the interest rate on this {$2500.00} loan at 164 % and accrues daily. Not only was this business deceptive, but they are continuously getting away with the practice to harming consumers. Thousands of other individuals are suffering financially and have devastating credit scores as a result of this business fraudulent conduct. In addition to this, their agents calls and harass me from several different phone numbers, but none of which have their business XXXX XXXX neither Duvera Billing listed on callerid. This is trickery and gross harassment.
01/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NV
  • 89074
Web Servicemember
Utilized small loan service Duvera to assist purchasing a puppy with an understanding I would have until XX/XX/2020 to satisfy the amount due. Duvera assigned the loan to XXXX. XXXX applied an appalling amount of interest to the loan. In my constant calls they were unwilling the allow me to satisfy the account so that they could continue to charge insane and illegal amount of interest daily. Once I finally had satisfied the account, they continue to report me as having a monthly payment and balance due. I have called and again they are unwilling to assist by updating their reporting to the bureaus. I am requesting all interest refunded, and credit reporting updated to reflect as paid in full/satisfied. This reporting continues to negatively impact on my ability to receive credit. This company is engaged in continual predatory lending practices, and are acting maliciously against me. They need to be closed down! Where are consumer protections?
12/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MI
  • 48236
Web
The name of the company is called XXXX XXXX XXXX however they show up on my XXXX and XXXX report as DUVERA BILLING SERVICES. THEY ARE REPORTING ON BOTH MY XXXX AND XXXX THAT MY ORIGINAL BALANCE FOR MY LOAN IS XXXX. They are currently reporting that I still owe XXXX and that my last payment was in XXXX. This is deceptive/ incorrect information as I pay them XXXX XXXX monthly and have paid in full as of XXXX, XXXX AND XXXX. $ XXXX. Which means I current owe {$94.00} and this needs to be reflected on both reports immediately. The payments are on autopay every two weeks. This company is very deceptive, unprofessional and shady, Ive asked to speak to supervisors on XX/XX/2022 and was told I can only speak to one supervisor per day. This company has also taken money from my account without my permission and then told me I had to wait 3-5 business days after theyve taken money from me. Please update my credit report correctly.
02/26/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • KS
  • 661XX
Web
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.
01/16/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NV
  • 89145
Web
I applied for help with car repairs. You have 90 days to pay off with no interest on the loan. The loan company left out that if payment is return all the interest roll back on your account. My bank return a payment to them. But with in week the company put back though my account. It was payed. So check my balance. because this month. I was paying off. I only owed {$300.00} dollars. Because the return check they throw out the deal charge me all that interest and fee. They told me it was void out. I told no body told me that. She said its in my paper work. I didnt know that. Thats how they make there money. Thats not fair. I will never deal with this company again. I have been on time with my payed. This was the first time. This company sucks dont care about there customers. This company suppose help you not harm you. Now am owing {$420.00}. This is not fair. They should be shut down just paid loans.
08/16/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 601XX
Web
I purchased a Computer from XXXX XXXX in XXXX XXXX XXXX. The Computer company used a financing company " Easy Pay Finance '' I returned the computer purchased in XXXX of XXXX however Easy Pay Finance never stopped processing payments on my account. I 've contacted them multiple times and have even made them aware that the Company where the purchase was made has been under new ownership twice since XXXX of XXXX. The new owners do not use Easy pay and the product which the contact was made for was returned to the store. They have even confirmed that they ca n't get a hold of the owner of the store themselves yet they wont ' stop processing payments and have even started to charge me NSF fees because I 've asked my bank to stop their transactions. Easy Pay Fincance company keeps asking for me to contact the owner of the company and have me going in circles rather than attempt to resolve my issue.
04/22/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MS
  • 388XX
Web
I had car repairs at my local, XXXX shop in XXXX, MS back in XX/XX/XXXX. My total car repair that day totaled about XXXX XXXX.The sales rep offered me a credit line through a company called XXXX XXXX . It's funded through a bank or business called, Duvera. They gave me a 90 day same as cash option that expired after the three months. The payments made by the expiration of XX/XX/XXXX were {$850.00}, which left roughly {$1000.00} to be financed. Well the interest rate was 183 % or more!! I noticed the first statement after the 90 day period was like still a total of {$1900.00}. I made a {$350.00} payment in XXXX of XXXX, but I also went out on XXXX due to job injury in XXXX. I wasn't able to make the payments for XXXX, and while I was out for recovery, I noticed the extremely high interest rate. I haven't made a payment since. I need to know if anything can be done about this
12/02/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33772
Web
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.
02/17/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92701
Web
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.
08/19/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • IL
  • 62226
Web Servicemember
I opened XXXX XXXX XX/XX/27 at XXXX XXXX XXXX XXXX center in XXXX XXXX, IL because they recommended it. I was completely rushed through the entire process because the tire shop was 10 minutes to closing and wanted me gone. I was not explained much, was told that I would have no interest before the 90 days. XXXX XXXX has been charging me XXXX a day! My balance started at XXXX now its XXXX even with payments being made on time. I can never get caught up because when I make a XXXX $ payment only about XXXX $ of that actually goes towards the balance. My interest rate is 194 %. Easy pay also likes to tack on returned checks and pretend that was the case so that they can tell you they are adding an extra XXXX $ for it being returned. Infact everytime I make a payment it just goes to interest and thats it. I have called several times and I always get a horrible answer.
09/12/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 34668
Web Servicemember
On XX/XX/2023, I purchased a puppy from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After deciding which puppy to take home, XXXX XXXX, XXXX of the employees at XXXX XXXX helped me. He said I was approved with XXXX XXXX XXXX and my payment would be roughly XXXX XXXX monthly for 12 months which seemed amazing. I filled out the stores contact and agreed to everything. While agreeing to XXXX XXXX XXXX it was something totally different. After I got home I noted the awful news! XXXX XXXX XXXX contract stated I would make payments of XXXX XXXX bi-weekly for 12 months and the interest rate came to 179 %. I got a hold of easy pay finance and stated I agreed to something different at the store, they told me to contact the manager at XXXX XXXX. I quickly contacted the manager XXXX XXXX as he informed me he was not able to help and he lack communication.
05/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 93307
Web
So I sent a letter off on XX/XX/2024. To remove DUVERA BILLING SERVICE Information that I do not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my personal information to third party people. These are clear violations of my federally proceed consumer rights. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my personal information to third party people. These are clear violations of my federally proceed consumer rights In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
03/19/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • PA
  • 150XX
Web
I filled out a credit application to finance a dog from a XXXX pet store. I didn't qualify for the XXXX credit card but was told that I was approved through EasyPay Finance a.k.a. Duvera Billing, LLC. I was not informed that the APR would be at an illegal interest rate of 151.99 %. The loan was opened on XX/XX/XXXX and financed for {$2500.00}. As of XX/XX/XXXX, I owe {$7100.00}. Duvera has reported this as a charge-off on my credit report but continues to report missing payments every 30 days which has significantly impacted my credit score. I do not believe this company is licensed to lend in the state of Pennsylvania and they are charging consumers an unsury interest rate, far above the state 's capped level. I would like company to address the illegal operation they are conducting and get this off of my credit report once and for all.
03/20/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • PA
  • 19131
Web
The amount of money going toward the principal was really low and quite unexpected. I paid {$1200.00} over 3-4 months and only {$400.00} went toward the interest. Now it is after the first 100 days and the interest rate went up to 114 %. I will be paying this loan forever and keep getting deeper in. They take {$140.00} every other Friday on a XXXX loan! The final payback amount is {$3800.00} at this rate. No one told me when I went to the mechanic shop that I should just go sell my car. Even after the repair my car ended up having another $ XXXX repair a few months later and with more knowledge, I went right to a dealership and sold it as it. No repair. No additional loan. So now I have a new car and new car note of {$400.00} but have to pay {$310.00} a month on this ( {$700.00} a month if I want to avoid the predatory interest ).
06/03/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MD
  • 20735
Web
In XX/XX/2021, I entered into an installment loan with XXXX XXXX for {$1400.00} to be paid in semi-monthly payments of {$120.00} ( {$240.00} per month ). I made several payments and realized the balance was NOT decreasing, but instead increasing. I read through my contract and noticed the interest rate is 168.98 % - FAR beyond the legal limits for non-bank loans. My balance is currently {$2200.00}. Unfortunately, I've been unable to determine what the interest amounts calculate to per month because they've never issued a statement and there are no statements available to view online. I have attached screenshots of the empty Statements page. The state of Maryland interest rate cap is 33 % for consumer loans. It seems XXXX is violating state of Maryland Laws. I am requesting that the CFPB investigate XXXX 's lending practices.
06/05/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NC
  • 283XX
Web
I took my car to a place to be repaired. I needed a transmission. I applied for credit to get the repairs done and when it was approved and the amount, it did not have the interest rate on the paper at the time. I had no idea what the interest fee would be until my car was repaired and ready to be picked up and then I noticed that it was at 130 %. The total price for repairs were XXXX in which my credit was only XXXX, and its financed for 24 months @ $ XXXX monthly. I will be paid back over {$6000.00} by the end of the 24 months. My credit was not perfect but this amount is ridiculous, and they do not disclose the interest rate until after the car is completely repaired because they know SOME people need their transportation, and this allows repairs to be done in a way that seems easier for people with not so perfect credit.
10/21/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 94601
Web Older American
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.
02/18/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MS
  • 386XX
Web
I was a victim of identity theft while living in XXXX, Virginia. On or around this time, an account was opened in my name with a company called DUVERA. This original loan amount was {$2400.00}, and has now climbed up to {$7600.00}. I didn't notice this account until it came up on my credit report. After I was aware of this fraudulent account, I called the credit reporting agency and was told to contact the company at the number listed in the credit report, which I did. This was after I disputed the account with XXXX. They argued with me that the account was in fact mine and there was nothing I could do but pay for this account that I have no knowledge of. At this point, I have done everything that I know to do and i still have this on my credit report. Any assistance that you could give would be greatly appreciated.
11/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • WI
  • 532XX
Web
I have disputed inaccurate credit reporting several times. I disputed both via phone and dispute center portal : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Etc. I have information the credit reporting agency that a CLOSED account is being reported as OPEN & LATE and as a result re-damaging my credit. The account was reported as XXXX. I feel like the change in reporting status is due to me asking the debt collection department to verify the debt. Since they couldnt they began reporting it inaccurately to retaliate against me. If it was reported as Charged Off in XXXX how could is possibly now be considered XXXX in XXXX. Since the debt couldnt be validate it should have been deleted completely. I requested the original paperwork with my signature and had not received it. Etc. Help!
03/05/2018 Yes
  • Payday loan, title loan, or personal loan
  • Pawn loan
  • Charged fees or interest you didn't expect
  • CA
  • 90026
Web
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.
10/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NV
  • 89108
Web
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. There is no third party involved or any Credit Repair company working on my behalf. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below is the lists of the erroneous account reporting on my credit report : DUVERA BILLING SERVI XXXX Balance {$1200.00}
01/19/2016 No
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • CA
  • 92404
Web Older American, Servicemember
We needed our car repaired and the cost came to {$1400.00} at XXXX we did not have the cash so the manager said we could get a easy pay loan and set it up over the phone after giving our information to someone over the phone he handed me the phone and a man told me that I could pay it off in 90 days same as cash or I COULD PAY {$140.00} for 12 months and I said I could do that and we had done that without fail the last 12 months never late. well on the 13 month they took another payment out so I called them and they were rude and said I owe for another year. they said I agreed to that no I did not, there was no contract sent to me only a over the phone agreement that I did without fail so I closed my account so they could not get another payment I do n't owe for.
09/22/2015 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • WI
  • 53223
Web
I obtained a loan to purchase a bedroom set from a local furniture company. I had the cash on me to make the purchase but the store owner told me that I could build my credit by financing the furniture. the total was a little over XXXX and I figured I could pay that off in no time while increasing my credit score. the furniture was financed through Duvera Billing. I have made my monthly payments on time which is XXXX and checked the account and was floored to find that I still owe the same amount after 5 months of payments. I called Duvera to get more information and was appalled when the representative told me that I have an interest rate of 96 %!!! Is that even legal?? I need help! Is there a way to legally get out of this contract without affecting my credit?
02/04/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 937XX
Web
I contacted XXXX XXXX XXXX/Duvera Billing via phone and email to dispute a fraudulent account listed on my credit report. I provided their company my FTC Identity Theft Report and Police Report along with my dispute. Within 3 hours of sending the email I received what seems to be a generic/templated response stating they have completed their investigation and did not find sufficient evidence to classify the account as Identity theft. I called to speak with a manager to request the details of their investigation and was told the only way to communicate with the fraud team is via email and that based on the email response I received they are not willing to remove this fraudulent account despite me providing all of the required Identity theft documentation.
04/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 38114
Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ... XXXX/XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
03/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • XXXXX
Web
Since I reported XXXX XXXX for using bait and switch tactics to collect far more that what was agreed on, it received money from me in exchange for a change in the repayment terms. After I inquired with them about the payment terms, and then later complained about the bait and switch tactics it used to try to collect more that what I agreed to pay. XXXX XXXX cancelled the repayment agreement. XXXX XXXX changed the name of the company to DUVERA BILLING SERVICES , LLC, XXXX XXXX has sent me conflicting mail asking me to pay different amounts. After I complained about them, XXXX XXXX is now using DUVERA BILLING SERVICES , LLC on my credit report as a charged off account. This company is abusing consumer rights under the Fair Credit Reporting Act.
03/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • XXXXX
Web
Since I reported XXXX XXXX for using bait and switch tactics to collect far more that what was agreed on, it received money from me in exchange for a change in the repayment terms. After I inquired with them about the payment terms, and then later complained about the bait and switch tactics it used to try to collect more that what I agreed to pay. XXXX XXXX cancelled the repayment agreement. XXXX XXXX changed the name of the company to DUVERA BILLING SERVICES , LLC, XXXX XXXX has sent me conflicting mail asking me to pay different amounts. After I complained about them, XXXX XXXX is now using DUVERA BILLING SERVICES , LLC on my credit report as a charged off account. This company is abusing consumer rights under the Fair Credit Reporting Act.
01/04/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • VA
  • 23464
Web Servicemember
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 %.
06/17/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33025
Web
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.
06/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 608XX
Web
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. "
10/16/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NJ
  • 08096
Web
With the third party company XXXX I had a debt on my overdue account of {$2300.00}. I came to an agreement with the company and finished paying off the rest of that debt on XX/XX/XXXX. XXXX removed the complete balance from my account on XX/XX/XXXX. They then told me that they will send a deletion request to each of the XXXX credit bureaus by XX/XX/XXXX to have my closed/charged off account ( The account name is Duvera billing services ) completely removed from my credit report from all three bureaus. Present day it looks like it has been removed from my XXXX credit report but still remains on my XXXX and XXXX credit reports. I'm taking this action to have the charged off account removed from my remaining credit reports ( XXXX, XXXX ).
02/26/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NJ
  • 07304
Web
XXXX XXXX XXXX, XXXX XXXX, CA, has been charging me outrageous 152 % interest rate for the last 2 years on the amount of {$1600.00} loan. They have debited my bank account over {$3600.00} for the loan amount of {$1600.00}. The balance is still {$1100.00} which means they have charged me {$3100.00} interest on {$500.00}!!!! The mode of financial fraud is that they never sent me any monthly or yearly statement, so I never knew what was happening to me. How many other people have been ripped off by XXXX XXXX XXXX no one knows. Once I called today the XXXX XXXX told me about that. The loan applied at auto repair store XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX. The XXXX XXXX XXXX, Tel XXXX, kept on secretly and silently charging my account.
06/27/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Fees or interest
  • Charged too much interest
  • VA
  • 22192
Web
Unfortunately I had an emergency and needed tires. XXXX offered a line of credit with XXXX financing. I never received a card or a statement. I have been making automatic payments for a year. I called to inquire about the balance and was informed that nothing has applied to the principal. I requested a statement and there was no interest provided. I requested detailed information and later received a table break down showing XXXX XXXX interest. This was never disclosed. When inquiring about the interest and payment I was informed that I can not make additional payments or more than the payment requested to pay off. I have never been denied a chance to pay off an account early. What can I do? Can they offer XXXX XXXX interest?
07/31/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • OH
  • 44515
Web
XX/XX/2023 was my first payment to XXXX XXXX for the purchase of animals from XXXX XXXX in XXXX Ohio ( ferrets ). The total loan amount was {$720.00} with an APR of 133.97 %. At the time of signing this agreement, I was XXXX XXXX XXXX and did not know the meaning of interest rates. I was rushed to sign the papers and make the purchase by the company, XXXX XXXX. I have come to learn that this APR would be considered a " predatory loan ''. I did not realize this until early XX/XX/2023 when I found that I still owed {$750.00} on my loan. I had made payments of {$42.00} biweekly up to that point, which would have been around 15 payments. Logically I should have only owed about {$91.00}, yet my balance was still {$750.00}.
03/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 38114
Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXXXXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
09/22/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • CA
  • 90033
Web
I made a payment for my installment loan via EasyPay Finance and to my surprise, it has not been processed yet. I did, however, receive a confirmation number but even then the payment has not reflected on my account after 2 days. I spoke to XXXX representatives already and only XXXX was able to help but was n't too professional either. The problem here is that if I made a payment on a certain day then it should be processed for that day. It seems to me as if EasyPay/Duvera Financial is just trying avoid payment to cause a delay purposely to see what they can get out of it. I have proof of everything I record everything I do when it comes to them for safety reasons. Anything I can do to resolve this matter?
12/19/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AZ
  • 85339
Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
12/06/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • FL
  • 33764
Web
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.
09/29/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • IL
  • 60640
Web
I purchased a computer through XXXX Computers in XXXX and they pushed me to purchase the computer through Duvera Financial who was doing business as EasyPay Finance. They told me that the loan would be for 90 days and the installments would be finished within the 90 days. I recently found out that this was a lie and I am now being charged 189 % interest on my original loan. I received a contract that I had never seen or signed, but was digitally signed. Also my address on the contract is incorrect. Because of the incorrect address, which I assume was entered by the store clerk as I have never lived at that address, I had a terribly difficult time accessing my file within EasyPay Finance.
02/08/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 92109
Web
XXXX XXXX does not fully disclose the predatory features of their loans. They were supposed to give me 90 days of interest free financing. I had automatic payments set up with my bank account. They are telling me that I " missed a payment '' during the 90 day period which made me " ineligible '' for the interest free financing. The rate they are charging me ( 133 % ) is WAY over the maximum Rate Cap in California where I reside. There is apparently a " loophole '' with XXXX when using " XXXX XXXX ''. However - my disclosures clearly state that the Loan is funded and serviced through XXXX, not XXXX. This interest rate is insanely predatory someone needs to hold XXXX XXXX accountable.
06/15/2022 No
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • NC
  • 275XX
Web
They illegally used my card for an account that it was not associated with. I told them more than twice to not do that. They continued to do it anyway. I paid my debts, yet they kept sending it back to the bank causing me to be further in debt with the collector. The first time they sent a letter to send to debt collectors they never said it would be in-house collection, and that it would go into effect after 15days. They continued to allow their collection department to use the same card I told them from the beginning to not use. At this point its harassment. From the beginning it was a scam company that I should have done my research before giving them access to my bank account.
07/14/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • PA
  • 19454
Web
I had to use XXXX XXXX through Duvera to fix a costly car break down, when signing up it was not made clear that it would have a 135 % interest and now that I have the money to pay off the loan the company is not processing the payment and has already returned it once and it has now come to my auto pay date and the account is now larger than my pay off amount. I was also hit with an additional late fee on XX/XX/XXXX this is a day prior to my scheduled XX/XX/XXXX auto pay date. I feel as though the company is delaying the pay off in order to receive another monthly payment and allowing more interest to build on the account. Customer service has been very unhelpful on this matter.
04/15/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • CO
  • 80439
Web
I went to get my brakes fixed at XXXX XXXX in XXXX XXXX. I was told my brakes would cost {$540.00} to complete and I couldnt drive off the lot without them done. I didnt have the money so they forwarded me to easy pay finance who I paid over {$900.00} to already and still owe {$340.00}. They are charging 189 % interest. I told them this is illegal and the representative didnt have anything to say and told me to have a nice day. I have been in contact with multiple calls to XXXX XXXX and no one is getting back. Its the same man that answers when I call easy pay as well. Its a scam and I want my money back and to be out of their system. Thank you for the assistance.
05/14/2022 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60538
Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
01/22/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • AZ
  • 85353
Web
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.
03/22/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27520
Web
I have asked for verification documents including the original signed contract agreement, the dates the account was open/closed, the total amount owed including interest/fees, a detailed breakdown of the charges, and proof Duvera is a licensed debt collector in North Carolina. I have not received any communication regarding this matter. Also In accordance with the Fair Credit Reporting Act Duvera Acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C Section 604 A section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.
05/16/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • CT
  • 06095
Web
My information was stolen years ago, and someone even filed taxes in my name. I am constantly getting notifications from XXXX bank that my social was found on the dark web. I have items on my credit report that do not belong to me and I am constantly disputing and getting nowhere. I am constantly asking for verification of documents that were used to open these accounts and have received nothing from the credit bureaus or the actual company, but things are being reported as verified. That does not help as my information was once stolen. I am stuck and have nowhere else to turn to for this and was given this information to reach out.
11/02/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • NE
  • 68116
Web
I took out a loan with XX/XX/XXXX. They are not letting me pay within the interest free period of 90 days. First they said my card was returned. I dont have a card on file. I told them to take directly out of my account they have my routing and account number. They said they would take the payment out of bank account I have it in writing and they still have not taken the payment. I believe this is a stall tactic so I miss the payoff date and am forced to pay interest. They also told me a bank transfer takes 10days to process? Hello its 2019. These people must be stopped and reported 58 % finance charges??? Please help! XXXX XXXX
11/14/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • CA
  • XXXXX
Web
PLEASE NOTE THAT THIS IS A SECOND CFPB COMPLATINT AND IS NOT THE SAME AS MY PREVIUS COMPLAINT. DO NOT LABEL AS DUPLICATE. I filed a complaint against Duvera Billing Services since they prevent me to make payments on my account and later sent to collections. I couldn't make payments or even pay off due to their phone and web sites are not available. They responded to my previous CFPB complaint with a copy of " Summary of Terms '' and a " Retail Installment Contract '' as proof of the debt, but these are unsigned copies. I would like to receive a clear copy of the signed Retail Installment Contract as validation of the debt.
06/23/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • 89122
Web
DUVERA is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1900.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
09/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32208
Web
I am writing to report unauthorized accounts on my credit report, a result of identity theft. Despite contacting the credit reporting agencies and the creditor, the issue remains unresolved. The agencies claim the account was 'verified, ' yet I was never part of this verification process. The creditor also failed to verify the account with me. I request an immediate investigation and the removal of these fraudulent accounts from my credit report. I also urge the creditor to close the account and clear me of any associated debt. Please treat this as a formal complaint and an integral part of my identity theft report.
08/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OR
  • XXXXX
Web
THE TWO ACCOUNTS " DUVERA/XXXX XXXX '' ARE REPORTING INACCURATELY ON MY CREDIT REPORT. I PAID BOTH OFF IN FULL BACK IN XXXX. THE ACCOUNT IS STILL REPORTING NEGATIVE WITH A BALANCE ON MY CREDIT. I HAVE ATTACHED PROOF OF IDENTIFICATION, A CONFIRMATION EMAIL OF PAYMENT I MADE TO THEM AND A COPY OF MY BANK STATEMENT SHOWING THE CHARGES AFTER THEY TOOK THE MONEY OUT OF MY ACCOUNT. THIS IS A VIOLATION TO MY FCRA RIGHTS. THESE TWO ACCOUNTS NEED TO BE DELETED FROM MY CREDIT ASAP!! THEY HAVE BEEN INACCURATELY REPORTING FOR ALMOST 2 YEARS NOW IF NOT MORE. I ALSO ATTACHED A SCREENSHOT OF THE ACCOUNT AS SHOWN ON MY CREDIT REPORT.
03/30/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 92405
Web
I have been disputing a debt that has been falsified with information created by the creditor. I have never provided any of the disputed information to them but they have a electronic contract. I asked for there method of verification and other disputed letters sent to them and they sent me the contract which is my first time ever seeing such contract. I noticed the contract was built and established by them creating a false contract placing in career trade, address, girlfriend, employment, reference person, phone numbers, email, ect. I made a police report addressing the falsified information made by the creditor.
01/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NJ
  • 07042
Web
Duvera Financial has been reporting my account as past due monthly although this account is in the collection phase. I have complained previously about predatory lending practices such as excessive calls and being harassed about a debt that I did not agree to. The interest rate and continuous fees were not explained to me properly and I feel that this lender should not be in business. The bill of {$1500.00} has ballooned to over {$7000.00}. In this climate, those fees are ridiculous. In addition, the account is being reported as open and past due with is incorrect. Please remove this account from my credit report.
04/04/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CT
  • 06513
Web
XXXX had me sign up for a loan with XXXX financial to help with paying for car repairs. It was presented to me that it was interest free. It was only interest free for the first 90 days. After that an interest fee of % XXXX was added onto the loan making the balance go from 2000 to over 8000 owed. Even though payments were being made each month they reported to the credit bureau that payments were missed 2 times.. this is causing my XXXX XXXX to drop drastically. They are practicing predatory behavior, taking advantage. When I go to look up my contract, the website is always coming up in error and I cant read it.
11/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NV
  • 89081
Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
05/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75056
Web
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section XXXX, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
11/21/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93535
Web Servicemember
I have been trying to get this resolved since I noticed it on my report once I opened escrow. This debt was a result of a furniture store delivering the wrong and broken Item to me, I did not allow them to leave the item and they are still charging me for the item. The furniture store also claimed the full {$1500.00} I was approved for but I only ordered a {$700.00} item that of the {$1500.00} and once it got to me it was damaged thats why I never took possession of the item. Now Duvera has derogatory charges to my report in the amount of {$3500.00} being reported negatively since XX/XX/2018 to current.
01/05/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • GA
  • 30720
Web
XXXX XXXX XXXX issued me a loan of {$2500.00} XXXX in XXXX had me sign an electronic signature and went through everything fast and in the middle of the store for everyone to see. I did not notice the 152 % interest when I signed and was not told that was the rate. This is a violation of heart laws and should be stopped. I will pay {$8000.00} for a {$2500.00} loan. This is ridiculous. They also were suppose to debit the first 3 payments and have yet to do the first one which was due on XX/XX/19 this is the XXXX. I cant reach anyone when I call the number. Please investigate this company.
05/17/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • TX
  • 77389
Web
The company we applied for a loan for a car repair says that they havent received a payment for 45 days, at least, when we have made multiple payments. Its not being reported to my credit account and the payments are going through without fail. We have contacted XXXX XXXX XXXX ( which is owned by Duvera ) and told them this but in the past we were put on hold for up to three hours without being connected to someone and we hung up out of pure frustration. When last contacted we were told that the account is past due even when they had charged us the day they contacted us and days prior.
04/16/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60490
Web
I have received many calls from this company Duvera threatening to sue me. I keep telling them that this is not my debt. I've asked them to send me proof that it is my debt because they say it is a valid debt. I have never heard of this company and this is not my debt. This is a scam. I want this debt deleted from my credit report, I do not owe this debt it is not mine. It says this debt was opened XX/XX/XXXX and closed on XX/XX/XXXX. The original debt states it was {$500.00} but is reporting a balance of {$1200.00} on my credit. This debt just recently popped up on my credit report.
06/17/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • PA
  • 194XX
Web
My complaint is that XXXX who is the originator of the account is fraudulently charging and reselling the account under XXXX XXXX and Duverra billing services ( XXXX ) for services not properly rendered. The conditions of the sale was that they maitenance my car and charge me overtime with XXXX XXXX option. The problems is XXXX never maitenanced the car, they actually damaged it and I could never drive it again. The car had to be emmidiately sold and I am still being charged, my credit is being damaged for fraudulent services of {$2300.00}. I want this account removed immediately.
10/27/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • WI
  • 53216
Web Servicemember
I paid this loan off in XXXX 2015. They processed a payment after the loan was taken out. I asked for a refund of the payment. I ended up receiving the refund through XXXX XXXX XXXX. I have spoken to several different people and even sent my banking statement showing I never received a refund from them. The refuse to clear the account and it is negatively affecting my credit. I was hung up on 3 times while calling to speak to someone. I have someone arguing with me after I sent in the documentation of the what she asked. I would like this situation resolved immediately.
01/04/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30236
Web
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
07/27/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77082
Web
The account is not my account and I have never had any business with Duvera/ XXXX XXXX XXXX. I sent a letter regarding this debt collection attempt to this company indicating that this debt is not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that I have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a legitimate signature and state issued ID validating that I authorized this account. I have attached a copy of my ID Theft report and letter.
10/18/2022 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NV
  • 89113
Web Servicemember
XXXXXXXX is reporting false information on my credit report. a debt collector is saying I owe {$8400.00} which is not true. I have never heard of this company and I have not received any documentation about the debt from this company. Please send an itemized statement of the balance and show proof that the debt is mine. I was not provided with any written paperwork with my name. Please provide a signed paper with my name on the amount that you say I owe. This has caused me a lot of damage because I have been denied for multiple things when the debt is incorrect.
07/27/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77082
Web
The account is not my account and I have never had any business with Duvera/ XXXX Pay XXXX. I sent a letter regarding this debt collection attempt to this company indicating that this debt is not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that I have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a legitimate signature and state issued ID validating that I authorized this account. I have attached a copy of my ID Theft report and letter.
01/05/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 917XX
Web
Hello, my name is XXXX XXXX and on XX/XX/2022 I applied for a loan to repair my vehicle. I was approved for {$2000.00}, however today I was made aware that I still owe {$2400.00}, although I have made {$1100.00} in payments. I asked the representative why my principal had not been reduced, and I was informed that I am paying XXXX XXXX interest rate. According to my research, that is illegal in the state of California, and I would like attention to be drawn to the predatory practices of XXXX XXXX I can be contacted at XXXX or emailed at XXXX. Thank you.
01/14/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NJ
  • 080XX
Web
Called company and was polite wth them about their interest loan of 129.97 % and asked them how they could charge me that, which I believe is illegal in NJ to charge on a dog I had finance in XXXX nj.m, at XXXX XXXX which use XXXX as their company to finance pets. They guy said it is not illegal to charge me that and wouldnt do anything for me, even if I made all my payments on time and never late. The dog would be payed off already but the interest rate is 129.97 % Im not understanding how that is even possible and I feel like Im being scammed.
10/07/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MO
  • 65803
Web Servicemember
I went to XXXX for car repairs and couldn't afford it, so I was told it would be {$600.00} to pay off and that XXXX ( the lender ) would take out {$50.00} every other week when I get paid. This started back in XXXX of XXXX. I was never told about the outrageous interest rate that is XXXX XXXX which goes far above the max of XXXX XXXX interest rate in XXXX I've been paying for almost 7 months now and they're showing I still owe around {$500.00}. When I did the math of what I've already paid, it's {$750.00}. This is unacceptable and predatory.
06/12/2020 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • VA
  • 23112
Web
The collection agency is reporting inaccurate information on my credit report and it is damaging my score and causing great harm. I have never received any information from this company regarding the debt and my HIPPA rights have been violated. I am currently not working due to COVID-19 and due to a previous medical condition I am on XXXX. This company states that I owe them {$1100.00} for an account that was closed on XX/XX/2016. I have no other information and can not afford to pay a balance living off of the government stimulus and XXXX.
09/23/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • GA
  • 30132
Web
This company is fraudulent. I was to be able to pay off balances within three months like cash. Due to a. XXXX issue and loss of card 1 payment did not go through. One I realized, I immediately called and made payment. Then I called to pay in full and realized my balance was more than I borrowed? How is that possible. Now I am still getting billed after paying the remaining balance in full to be done with this fraudulent company. I borrowed {$2500.00} and have made payments every month since. See attached.
09/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CO
  • 80011
Web
I'm XXXX XXXX, and I need your help in reaching this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. As it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who established the account in my name and give those details to them rather than me. Kindly help me in solving this.
03/23/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • TX
  • 77056
Web
Went to XXXX XXXX, they told me I had 6 months free interest. The interest amount is outrageous. When I called XXXX XXXX XXXX, they stated I do not have 6 months free interest. This is a huge XXXX issue and a lot of junk fees. I am requesting they honor what they have said. Furthermore, I spoke with XXXX in Customer Service who is suppose to be a manager. It was the worst call every. Very unprofessional. You can tell they deal with upset customers everyday. They are on defense at all times.
10/15/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Problem when making payments
  • OR
  • 974XX
Web
I took out a loan through XXXX XXXX XXXX and I have made 4 payments on this loan so far totalling around {$600.00} and they have a promotion going on right now that is 90 days interest free on the loan, when I looked at my account I see that they are putting ALL of the payments to interest only, none to the actual principal. This was payments made within the 90 day period. I have emailed them regarding this issue and they keep giving me the run around as well as charging me % 199 interest
09/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NV
  • 89183
Web
I have requested XXXX XXXX to send me a copy of a master bill for this alleged debt that is reporting on my credit report. A purchase agreement Also, a signature showing I signed for this alleged debt. I have also request for the company a copy of your state license, including license number that give you rights to collect in my state. This company has failed to send any of my requested information causing me bad financial hardship on my credit report. XXXX/DVRA account XXXX
10/08/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NJ
  • 080XX
Web
Signed for a loan through a pet store to replace my wifes deceased dog. Original amount was XXXX. In 8 months I have paid about XXXX dollars on the principal balance. Interest is XXXX percent. If I paid within three months of signing I would have paid the principal plus XXXX dollars and would be charged no interest. Some things happened that didnt allow me to do that so the interest started and so far Ive paid XXXX dollars and sill owe XXXX. Every payment has been made on time.
01/19/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IL
  • 60644
Web Servicemember
I had a costly auto repair. The repair shop I took my vehicle to listed XXXX as an accepted form of payment. I applied online in XX/XX/2019 because I thought I had a fair credit score. I was approved for an amount that exceeded the cost of the repair, the amount was {$1500.00}. I have since made twenty three payments totaling {$2300.00}. The payment amount to payoff the remaining debt is {$1300.00}. The interest rate is 151 %. I currently make payments biweekly of {$100.00}.
05/03/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60613
Web
I am simply doing this report because I just called the company around XXXX XXXX today and I am already receiving an email talking about a settlement when I distinctly stated that the account was open fraudulently. On the letter emailed, it spoke of interest increasing from this day forward. I am not responsible for a fraudulent account. I was told to email XXXX to continue with my claim. I am doing that. The letter was not necessary. And I called in on my own inquiring.
03/21/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • TX
  • 76109
Web
I was forced to take a predatory loan that claimed to offer 90 day XXXX interest. After one late payment all the XXXX interest terms went out the window. I have since paid the debt in full and even over paid. They now refuse to refund me without reopening the account. They obviously do this to trap me into a never ending cycle of interest and fees. I have attached today 's email exchange. To XXXX : Refund the {$95.00}. Stop making things. difficult Stop scamming people.
06/25/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • PA
  • 193XX
Web Older American
I purchaed a sofa from a local establishment {$580.00}. Total cost XXXX. I requested to finance part of it. They use Duvera Financial but the minimum they would finance was {$370.00} which I did. If I paid it off in 3 mon. it was interest free. I could not afford to do that. I received the contract from them in the mail 2 weeks later and charged me 189 % interest. Is this legal? I ca n't afford this. Do I have any recourse? They will do nothing about it over the phone.
01/15/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NJ
  • 080XX
Web
On XX/XX/XXXX, I went into XXXX XXXX in hopes of purchasing a cocker spaniel. I could not afford the price they were charging so they offered to finance the dog. I filed the paperwork for the loan using their in house lending agent. After filing the paperwork and reviewing it I found that I am being charged 151.97 % which is five times the legal limit of 30 % that can be charged in New Jersey as per Section 2C:21-19 - Wrongful credit practices and related offenses.
07/05/2017 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • IL
  • 60644
Web
I signed up for a financing company to finance engine work done to my car. When i was signing up i was told that the have a 90 day pay off before they apply interest rates. I was also told that it would be 21 % after i signed up. I made 4 months of payments and on the day of XXXX XXXX 2017 i was informed that i have a 199 % interest rate which i never agreed on or signed up for. I was never informed or it was never documented that i would have that interest rate.
11/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 339XX
Web
Iam writing to dispute an inaccurate and unverified charge-off on my credit report. The following account is showing as a charge-off on my credit reports with the credit bureau : Duvera billing service, closed on XX/XX/2021 XXXX, XXXX, XXXX This debt is inaccurately reported as a charge-off. I am disputing this under the Fair Credit Reporting Act, 15 U.S.C. 1681a ( f ) which states that a consumer has the right to dispute incomplete or inaccurate information.
11/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30349
Web
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX and XXXX Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this account immediately. 1. DUVERA BILLING SERVI XXXXX Balance {$3200.00}
09/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CO
  • 80239
Web
I contacted XXXX, XXXX, XXXX as well as the collection company XXXX XXXX XXXX XXXX about a debt that I do not recognize on my credit report. I asked for proof that this debt belonged to me or have it removed. Neither was taken card of from any of the parties. XXXX XXXX has yet to answer a call, return a call or write me back and it's be about 60 days. If I can not be provided proof that this is indeed my debt I'd like it removed from my credit report.
05/28/2015 Yes
  • Payday loan
  • Can't contact lender
  • WA
  • 98115
Web
I got a loan paid it off, and now the company will not close the account and wo n't talk to me. They cont. to tell me that they will look into it and call me back this has be going on for a month now and I cont. to call and they cont. to tell me the same story. They have been reporting to my credit report an amount that is incorrect and they up it in an amount XXXX month and not another, when I ask them about it they say theres nothing they can do.
01/27/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • OR
  • 97035
Web
Went to pay loan in full ( {$1500.00} ) within 90 days of no interest terms. Duvera financial revoked all terms of contract, applied back interest to date loan was originally issued because I was now calling 4 days past first payment date.Said I now owed Duvera $ XXXX+ to Resolve loan. Refuse to help me resolve loan that day and still till now until I pay their demands. Now they say I owe them {$2400.00} for a loan that is only 5 months old.
08/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 331XX
Web
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.
10/25/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77584
Web
I previously made a complaint about this company putting this debt on my credit report as a result of identity theft. I am requesting that a investigation be done and how and proof. The company responded to my first request but only to say that the email and phone numbers matched. That only proves that someone stole my identity. I am demanding a proper investigation and removal of this account from my report as it is damaging my name.
06/14/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 086XX
Web
Duvera Billing Service has reported a derogatory charge off to XXXX for the amout of {$3600.00}. I have never been notified that a debt has been owed to such creditor. I'm not aware of doing any business with such creditor. The creditor failed to contact me prior to placing such derogatory remarks on my credit file. The creditor failed to follow the Fair credit reporting act guidelines. As such, I request that the collection deleted.
10/05/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NJ
  • 07111
Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
09/05/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33615
Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
08/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MI
  • 48858
Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
02/02/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NJ
  • 080XX
Web
Easy pay finance Ive been paying them for over a year and I pay XXXX by weekly on a XXXX loan and I still owe them XXXX didnt realize the interest rate was going to be so high they just told me to try and pay it off XXXX 90 days. I just dont understand why may balance due is not going down. Ive did some research on a few things and was told its because the interest rate is 59 % I didnt know the was legal in state of NJ. Help please
05/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 92405
Web
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC 1681 SECTION 602 states I have the right to privacy. 15 USC 1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
08/21/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • NV
  • 890XX
Web
XXXX has been non-compliant with removing the unverified account DUVERA BILLING SERVI which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DUVERA BILLING SERVI was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
05/13/2022 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • FL
  • 33009
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX Has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX i have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. ! 5 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
06/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19026
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
10/03/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • MI
  • 48224
Web
I paid the loan off in full back in XXXX XXXX XXXX The company took money from my bank account yesterday. They re-started the loan all over again 7 months later without nay notification I do not owe this company any money this has caused me an overdraft fee an now I owe money to my bank I want this to stop immediately. This is ridiculous if I owed you money you would have been trying to collect your money not 7 months later
08/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 19138
Web
The XXXX and XXXX Credit Bureaus are reporting inaccurate information on EASYPAY/DVRA ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
10/05/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77584
Web
I have previously let the company and credit reporting agencies know that this account was the result of identity theft. I submitted supporting documentation to them both. I also blocked payments from my accounts of unauthorized charges. I still keep getting the same response they havent even tried to discuss this with me. The jus keep sending collections letters to my house and put this account on my credit damaging it.
11/29/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • IL
  • 60616
Web
This company gives you option of auto pay or paying manually. I pay manually because often times my pay days are not aligned with their pay schedule. Just this month, they took a payment from my checking account for a payment I did not authorize. I called them the same day and asked them why did they do this when clearly my account is NOT on auto pay. They said its in their contact that they can do what they want.
04/20/2017 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 43123
Web
This collection account just appeared on my credit report. It is not mine. It was removed before as the company was unable to provide debt validation years ago and it has appeared again. There was not any notification at all. No dunning letter. The credit reporting agency did not send me a notice that this is being reinserted after years of being removed. This is not my debt and I want it removed right away.
05/14/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MO
  • XXXXX
Web Older American, Servicemember
I had a the front end of my XXXX XXXX repaired at XXXX XXXX in XXXX Mo. I had to finance those repairs. That repair shop went through XXXXXXXX XXXX XXXX XXXX. who charges 134 % annual percentage rate. Very little of the principal has been paid to date! I did try to have the company reduce said rate. As I am a XXXX vet. This annual percentage rate is predatory and makes paying this off impossible!
07/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 932XX
Web
It is an account from a company name XXXX on my credit report, I don't know what is that for and it is showing as charge off/collections, this is damaging my credit score and as I said I do not recognize this. I called them several times, to their phone numbers but all their phones are disconnected. I found this is something related to easypay but it is the same phone disconnected issues.
06/16/2016 No
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • NV
  • 89014
Web Servicemember
Since receiving the loan, Duvera Financial has made numerous mistakes with my credit card not going through. The very first month, they input the wrong expiration date, which put XXXX returned payments on my account. There was also a card charged on my account that I do not own. Due to the returned payments, I was taken off the " 90 day '' plan and am now being charged daily interest rates.
07/19/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • KS
  • 67501
Web
A company openned a collection account on my XXXX Credit bureau. I do not know this account. However, I do have one idea who it is. XXXX XXXX XXXX was warned, they called me at XXXX. I filed a complaint with the company. The violated they violated the FDCPA by calling me at XXXX. I have it documented. This account was disputed and I believe they are violating interest rate usury rates.
02/23/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NJ
  • 07205
Web
I used the company through a furniture store to buy a mattress. I was told there was a 27 % APR. After I signed everything they switch it to a 200 % APR. My signature is not on anything that has that 200 % APR on it. The loan was for {$1500.00}. Ive paid them about {$2500.00} and they say I still owe them {$1300.00}. And now my credit score has gone down significantly because of this
06/17/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 95212
Web
I owe only XXXX from the start of this XXXX. I made a payment over the phone, but i did not get any confirmation neither a receipt of my payment. I owe only XXXX balance but this company is increasing debt settlement more I owe. In fact, I already pay them in full this account of XXXX but to my surprise, this company is scam. bec. no confirmation and receipt provided to my payment.
04/19/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • DE
  • 19805
Web
The company is charging me 100 percent interest on a loan I had no other option to take to get my vehicle out of the repair shop. I contacted them and they insisted that this was their policy, to charge 100 % interest on an original loan of {$740.00}. They want upwards of {$1600.00} in total. I am unable to pay such an amount and they are badly damaging my credit in the process.
02/12/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 19119
Web Servicemember
XXXXOriginal debt was .. {$500.00} a, after interest and fees accumulated to XXXX XX/XX/17 also had a XXXX ./ the original debt has been. Paid to the creditor .. the secondary debt collector .. ( XXXX XXXX XXXX located ) will not update the credit beaureas and remove derogatory remarks from credit. I am recovering from the XXXX and attempting to recover my credit as well ..
05/10/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Account information incorrect
  • CT
  • 06824
Web
I called XXXX because I was concerned after pulling consumer credit report and disappointed my payments not being reported to credit bureaus. " Account manager '' gave me misleading information lied about reporting my payments to credit bureau every month. I followed up with credit bureaus opened dispute because they have NOT received any reporting from XXXX since XXXX..
11/05/2017 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • FL
  • 32751
Web Servicemember
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.
10/27/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • AZ
  • 85021
Web
I was deceived by the man at the auto shop into a free financing option. XXXX XXXX XXXX XXXX XXXX I called today after finally having enough money to make an attempt at paying off the loan and I learned that I missed the promotion deadline and have been getting charged a daily interest more then the monthly minimum payment that I had been paying for the last 5 months.
09/07/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Identity theft protection or other monitoring services
  • Problem canceling credit monitoring or identify theft protection service
  • GA
  • 30024
Web
I recieved a letter about XXXX XXXXXXXX which i never consented to and duvera and XXXX XXXX and my XXXX XXXX is in the state of XXXX Georgia thats it im a XXXX year old girl with no job right now and i asked if the company can monitor my social security number because my old boss has my social security in their text if XXXX XXXX is XXXX it got rejected
08/09/2022 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90057
Web
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
09/21/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • CA
  • 922XX
Web
I have biweekly payments on an installment loan that is same as price if paid within three months. I made an extra payment toward the principal loan and so they stopped my agreement and started charging me 158 % interest on the loan immediately and before that were already charging me astronomical interest charges that were not in the agreement.
10/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19006
Web
I rece ived a letter stating that I opened a account with XXXX XXXX XXXX back in may ( in the middle of a pandemic ). I have no recollection of this company. I have called multiple times and at one point they hung up on me. They never answer my questions directly. I filed multiple disputes with them and they are still on my credit report
10/13/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07017
Web
I have reached out to the company on multiple occasions stating that my payments are being returned. Every payment i was making was being returned, I contacted them they stated that the system was blacklisting my cards. They even negotiated for me to pay XXXX XXXX so my account could be current and they still rejected my payments.
02/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 76244
Web
I had my account on auto pay and didn't have to worry about manually making the payments. Once I see the payment was missed in XXXX for XXXX, I asked them why it was turned off of auto pay and if they can remove it off of my credit and they said no due to it being expired? Its hurting my credit and the account is up to balance.
12/04/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90057
Web
I purchased my credit report and I see this fraudulent account reporting. My identity was stolen and compromised. Someone used my identity to open up this account. I would like for this company to remove this account and stop reporting it on my credit report. It is hindering my life and causing emotional and mental XXXX damage.
05/04/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 346XX
Web
I am struggling to pay the payment and the interest is {$8.00} daily. The contract states 188.97 % which I clearly did not understand at the time I signed at the transmission shop XXXX. I tried to ask them to lower the rate and the representative stated the were following FDIC guidelines and that they could not lower the rate.
07/16/2015 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • WI
  • 53206
Web
Been try to pay of the account for XXXX month and seem to never get any one who can help me get a good amount to clear the account out, they are also report to my credit report XXXX time for XXXX different account and when ask can I pay the lower amount they said no and said I must pay the high one that is XXXX time the amount
08/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NJ
  • 07501
Web
I have a loan with NYS OTDA, DUVERA FIN, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, DUVERA FIN, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
01/19/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 21030
Web
Duvera Billing Services Is reporting a account on my all three of my credit reports which is XXXX, XXXX and XXXX that dont belong to me. The account is showing a open status of XX/XX/XXXX and have a balance of {$1000.00}. I have reached out to this company XX/XX/XXXX and did not get any help to resolve the issue.
02/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 19142
Web
XXXX XXXX is furnishing false and derogatory information on my credit report. They're listing a past due balance of {$820.00} which includes an illegal interest rate of over 188 %. Predatory lending is entirely illegal in the state of Pennsylvania and this is double the original listed loan amount of {$480.00}.
08/04/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30213
Web
I am a victim of identity theft and someone opened this account in my name without my permission. I am requesting for Duvera Billing Services to delete and remove this fraudulent account immediately from my credit report or legal actions will be taken against your company. My rights have been violated.
11/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • XXXXX
Web
I had spoken with Duvera ( Easy Pay ) today. Their reason for not honoring my fraud dispute with police report, fraud affidavit, etc. was not sufficient enough. As a result, I settled the account to get it off my credit report. This dispute has gone on long enough. Im ready to put this behind me.
02/24/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • NJ
  • 07724
Web
I looked into trying to work out a lower interest which is higher then 600 %. They took out double in one paycheck XXXX on XX/XX/22. I try to call but it tells me there are 75 people ahead of me. If I just pay the minimum I will end up paying almost if not double what I was originally given.
02/14/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 333XX
Web
I was charged an outrageous amount of interest on a car repair loan. The original interest was not that high when I was rushed through signing the paperwork. I have paid them around {$1600.00} in 6 months for a {$1400.00} loan. They are charging ne XXXX % in interest. I need help please!!
03/16/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MD
  • 20735
Web
I was making payments on this account and began wondering why the balance wasn't going down. I reviewed the contract and realized the interest rate is 169 % which according to Maryland Law, is illegal. This interest rate needs to be reduced. No one could ever pay this off!
09/30/2022 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NJ
  • 08096
Web
As of XX/XX/XXXX I finished paying off the remaining balance on my XXXX account of {$1100.00}. Myself and the company has agreed that at the end of the month of XXXX that each credit bureau would receive a collection deletion request at XXXX 's request.
05/22/2023 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60612
Web
Yes I noticed its an account on my credit that is fraud I recently got my social security stole in the mail. The amount is {$2000.00} dollars saying from durvea on my credit report please its causing me stress and anxiety I would like this removed.
06/28/2023 Yes
  • Debt collection
  • Private student loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 48205
Web
A company by the name of Duvera Billing Services is attempting to collect on a debt that is not owed. The amount of the debt is {$1800.00} and {$2300.00} I CURRENTLY DO NOT KNOW THE NATURE OF THIS DEBT, NOR DO I KNOW WHEN AND WHERE IT WAS CREATED.
09/09/2021 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • OH
  • 45040
Web
Duvera showed up on my credit report as a loan I haven't made payment on. I checked all my loans I've made payments on all of them and none of them are through duvera or XXXX. I honestly have no clue what this is so I'm going to assume it's fraud
03/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28213
Web
There are XXXX accounts on my credit report that are not mine DUVERA BILLING SERVI {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$420.00} XX/XX/XXXX XXXX {$370.00} XX/XX/XXXX XXXX {$370.00} XX/XX/XXXX
05/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33054
Web
I was applying for a home and was denied due to a derogatory mark on my credit. I have never heard of XXXX Duvera, but somehow they are listed on my credit. Duvera is showing a balance of {$2500.00} and has been charged off as bad debt.
12/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 312XX
Web Servicemember
I got this loan a while back, not sure on the exact date. Somewhere in XXXX of 2020. I have paid off the entire balance of the account ( I will attach evidence of this ) and it is still marked as derogatory on my credit report.
04/16/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60620
Web
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.
05/17/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with additional add-on products or services
  • CA
  • 92532
Web
I have already talked to the company havent fixed anything after doing this fix and told my car was fully operational completely broke down and caused me a accident had to get rid of the car and was never fixed
03/15/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NJ
  • 07042
Web
I am being grossly overcharged for a service that costed considerably less. I was not told that the fees would be excessive as they are and I believe there was a switch and bait with the paperwork completed.
08/17/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19406
Web
I feel like I'm being taken advantage of by being ignored in my arguments. It is clearly stated on XXXX that failure to investigate an item within 30 days would result in its removal from my credit report.
07/13/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30519
Web
I HAVE DISPUTED THIS DEBT WITH THE CREDIT BUREAUS AND THE ACCOUNT SAYS CLOSED BUT IT IS STILL SHOWING ON MY CREDIT REPORT, THIS ACCOUNT IS NOT MINE I NEED IT TO BE REMOVED FROM MY FILE PLEASE.
08/03/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • FL
  • 32810
Web
For two years payments have been made to XXXX XXXX XXXX, however the bill isnt going down being the interest rate is set at 130 %, which causes the terms of the loan never be paid off.
04/14/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 08861
Web
Im been asked to pay a amount of XXXX $ to duvera billing as a collection that was made by identity theft and debt is not mine. I try disputing many times and not getting results.
02/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48088
Web
I checked my credit and notice an account opened with a balance that I did not authorize to be opened I contacted the company to have it removed and it has yet been resolved
09/20/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 21030
Web
I pulled my credit report and saw that a company was trying to collect on a debt that does not belong to me. I contacted the company several times and nobody got back to me.
09/23/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • WI
  • 53212
Web
I need help getting my my car fix and the repair man advised me to take out a loan. and I only got XXXX now they want me to pay back XXXX .Now it is on my credit report.
12/06/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 95136
Web
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
07/16/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 93245
Web
Account Name : DUVERA BILLING SERVI Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove this from my credit report.
03/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • AZ
  • 85021
Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results since.
03/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • AZ
  • 85021
Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results since.
05/20/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • XXXXX
Web
I noticed my credit report, and its and account inserted XXXX XXXX XXXX XXXX , i never opened this account. This account does n't belong to me.
05/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • IL
  • 60660
Web
Someone opened a XXXX credit card in my name fraudulently. XXXX is still reporting this account. This is in direct violation of my consumer rights.
11/07/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Getting the loan
  • FL
  • 342XX
Web
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
04/21/2022 No
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 283XX
Web Older American, Servicemember
DUVERA EASY PAY : No Finance Lenders License : charges 145 % Interest after the debt is paid off ; DUVERA EASY PAY LOCATED IN XXXX XXXX
08/08/2016 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • CA
  • 92028
Web Servicemember
I am being charged XXXX percent interest on a loan for expenses when my vehicle broke down. I am currently XXXX XXXX military.
04/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MI
  • 48067
Web
Account was paid in full, and creditor agreed to deletion of account but creditor has not reported to reflect that.
07/07/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 07201
Web
I have no idea who this company is. I never payed them anything or did any form of business with them
03/30/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 45044
Web Servicemember
Got an alert on my credit report & checked it out. This account was open online and fraudulently
10/25/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 91752
Web
DISPUTED DEBT VIA CERTIFED MAIL ON XX/XX/2020 FAILED TO ADDRESS VALIDATION OF ALLEGED DEBT
12/05/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • PA
  • 19013
Web
XXXX XXXX on XX/XX/26.18 ran to Application ID : XXXX & XXXX with out my permission
09/04/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30044
Web
this account isn't mine nor am I aware of it. I demand it to be deleted immediately
06/14/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • GA
  • 30033
Web
I've attempted to remove late payments in good faith, and company has not complied.
11/22/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MN
  • 55305
Web
Im not sure how this is on my records but the company will not prove its mine.
04/27/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AZ
  • 85022
Web
I have a fraudulent account on my credit report that I have never heard of.
03/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 27520
Web
I have a credit card on my credit report that I did not apply for or have.
02/03/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 07514
Web
02/01/2024 Yes
  • Debt collection
  • Other debt
  • Electronic communications
  • Frequent or repeated messages
  • IL
  • 61244
Web Older American
01/30/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 283XX
Web
01/27/2024 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MA
  • 02072
Web
01/26/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 708XX
Web
01/22/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 77396
Web
01/21/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07514
Web
01/20/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08094
Web
01/18/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 07514
Web
01/18/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 335XX
Web
01/13/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • NJ
  • 07514
Web
01/10/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • WI
  • 54911
Web
01/10/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33034
Web
01/09/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • XXXXX
Web
01/05/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • AZ
  • 85233
Web
01/05/2024 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60619
Web
01/04/2024 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MN
  • 56601
Web
01/03/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90017
Web
12/31/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • PA
  • 15301
Web
12/27/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NV
  • 89119
Web
12/26/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • ID
  • 83634
Web
12/26/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • KS
  • 67226
Phone
12/23/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Money was taken from your bank account on the wrong day or for the wrong amount
  • NC
  • 282XX
Web
12/22/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75070
Web
12/22/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60475
Web
12/19/2023 Yes
  • Credit card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • WI
  • 53218
Web
12/16/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • CA
  • 92780
Web
12/11/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Payday loan
  • Received a loan you didn't apply for
  • OK
  • 73071
Web
12/07/2023 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Called before 8am or after 9pm
  • FL
  • 33411
Web
12/06/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • NV
  • 89117
Web Older American
12/04/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 33715
Web
12/04/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60624
Phone
11/28/2023 No
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75503
Web Servicemember
11/24/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33175
Web
11/14/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 45251
Web
11/09/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • IN
  • 46835
Web
11/04/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Problem with personal statement of dispute
  • NV
  • 89183
Web
11/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33715
Web
10/31/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Getting the loan
  • TX
  • 75503
Web Servicemember
10/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • LA
  • 70433
Web
10/24/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33015
Web
10/17/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • OH
  • 44646
Phone
10/15/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NV
  • 89129
Web
10/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30067
Web
10/10/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AL
  • 35126
Web
09/25/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • PA
  • 17602
Phone Older American
09/25/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33712
Web
09/11/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • AL
  • 35126
Web
08/31/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19150
Web Servicemember
08/30/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91730
Web
08/24/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28270
Web
07/11/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 33024
Web Servicemember
07/10/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30311
Web
07/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33076
Web
06/29/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • FL
  • 33187
Web
06/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 14612
Web
06/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 07108
Web
06/23/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • OH
  • 44095
Web
06/18/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • DC
  • 20001
Web
06/12/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MO
  • 63113
Web
06/12/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08081
Web
05/16/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OR
  • 97123
Web
05/16/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • TX
  • 77004
Phone
05/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 44680
Web
05/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AZ
  • 85224
Web
04/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 19119
Web
04/17/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 19114
Web
04/15/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • VA
  • 23059
Web
04/10/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • RI
  • 02891
Web
03/09/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Other features, terms, or problems
  • Other problem
  • NJ
  • 08837
Web
03/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AL
  • 35758
Web
01/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 94603
Web
12/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Problem canceling credit monitoring or identify theft protection service
  • IL
  • 60619
Web
12/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AZ
  • 85295
Web
12/10/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • MI
  • 48301
Web Servicemember
12/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76011
Web
10/29/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IL
  • 60473
Referral
10/23/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95834
Web
10/15/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 24502
Web
09/13/2022 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 24502
Web
09/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 70805
Web
08/25/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 24502
Web
08/23/2022 No
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • PA
  • 17404
Phone Servicemember
08/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33194
Web
08/04/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • VA
  • 24502
Web
07/18/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • IL
  • 60068
Web
07/13/2022 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91730
Web
07/07/2022 No
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NV
  • 89014
Web
06/28/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • TX
  • 77056
Phone
06/27/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11434
Web
06/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 92501
Web
06/20/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23060
Web
06/17/2022 No
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • VA
  • 23226
Web
06/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NV
  • 89081
Web
06/10/2022 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33712
Web
06/01/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 07407
Web
05/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 07110
Web
05/13/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MI
  • 48067
Web
04/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 90265
Web
04/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 01007
Web
03/25/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 92553
Web
03/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • CA
  • 92311
Web
03/22/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77070
Web
03/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 95242
Web
03/16/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • PA
  • 19151
Phone
03/15/2022 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CT
  • 06106
Phone
03/07/2022 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NJ
  • 07601
Web
02/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 19111
Web
02/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Problem canceling credit monitoring or identify theft protection service
  • MA
  • 01007
Web
02/16/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • CA
  • 94605
Web
02/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NV
  • 89183
Web
02/05/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • OR
  • 97603
Phone
01/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33761
Phone
01/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48067
Web
01/13/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NY
  • 12144
Web
01/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MA
  • 01007
Web
12/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MA
  • 01007
Web
12/06/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33065
Web
11/26/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Received a loan you didn't apply for
  • CT
  • 06063
Web
11/10/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19050
Web
11/04/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • IN
  • 47250
Web
11/03/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • MI
  • 48239
Phone
10/20/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 48083
Web
10/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 27615
Web
09/28/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19116
Web
09/20/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19150
Web
09/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NJ
  • 08046
Web
08/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19116
Web
07/28/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19141
Web
07/05/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • CA
  • 92557
Web
06/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • SC
  • 29420
Web
06/02/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19015
Web
05/13/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60563
Postal mail
05/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • PA
  • 19116
Web
05/02/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07836
Web
04/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 77091
Web
03/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92553
Web
03/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92553
Web
03/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60544
Web
02/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • MI
  • 48336
Web
01/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60110
Web
01/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Problem canceling credit monitoring or identify theft protection service
  • CA
  • 92563
Web
12/22/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • CA
  • 91403
Web
12/18/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60652
Web
12/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30324
Web
10/27/2020 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
  • CA
  • 92804
Phone
10/19/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91202
Web
08/28/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11417
Web
07/18/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 15219
Web
07/15/2020 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02360
Web
06/25/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • CA
  • 92129
Web Servicemember
06/24/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • MI
  • 48224
Postal mail
06/12/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 159XX
Web
06/03/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90023
Web
05/27/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 91602
Web
04/01/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • PA
  • 19135
Web
03/31/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • PA
  • 19135
Web
03/06/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with the payoff process at the end of the loan
  • FL
  • 32211
Phone Servicemember
02/29/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • IL
  • 60044
Web
02/12/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NV
  • 89031
Web
11/21/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Problem with the payoff process at the end of the loan
Phone
11/14/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with additional add-on products or services
  • OR
  • 97301
Web
09/19/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92821
Web
09/01/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60615
Web
08/18/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60615
Web
08/01/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
Phone
07/11/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
Phone
07/01/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30043
Web
06/29/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
Postal mail
06/14/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91203
Web
04/30/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IL
  • 60631
Web
04/24/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NJ
  • 08723
Referral
02/21/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30052
Web
09/09/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • PA
  • 17527
Web
09/08/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 44134
Web
08/31/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85392
Web
08/17/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • VA
  • 23836
Web
06/26/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
Fax
06/04/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
Phone
05/23/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AZ
  • 85706
Web
04/12/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NJ
  • 08103
Referral
03/12/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
Referral
02/27/2018 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Charged fees or interest you didn't expect
  • NJ
  • 08830
Referral
02/14/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
Phone
12/14/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CT
  • 06029
Web
12/04/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • NJ
  • 07201
Referral
11/19/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60419
Web
11/07/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92557
Web
11/07/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AZ
  • 85392
Web
10/03/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75098
Web
09/13/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • AZ
  • 85392
Web
08/21/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92008
Web
08/03/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90755
Web
08/03/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90755
Web
07/09/2017 No
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • IL
  • 61109
Web
03/24/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 92557
Web
02/24/2017 Yes
  • Consumer Loan
  • Personal line of credit
  • Account terms and changes
Postal mail
12/08/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • CA
  • 92114
Web
08/04/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32907
Postal mail
08/04/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32907
Postal mail
07/19/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 90211
Web
02/10/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • NV
  • 89108
Postal mail
02/10/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • NV
  • 89108
Postal mail
10/28/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • NV
  • 89115
Postal mail Older American
10/08/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • TN
  • 37922
Referral
09/28/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • KS
  • 67207
Web Servicemember
09/24/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • CA
  • 90291
Web
09/09/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NV
  • 89121
Web
09/05/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • AZ
  • 85339
Web
07/13/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • IL
  • 60634
Web Older American, Servicemember
07/07/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • WA
  • 98198
Phone
06/11/2015 Yes
  • Credit card
  • Billing disputes
  • NY
  • 13084
Web
05/12/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • AL
  • 36322
Web Servicemember
05/08/2015 Yes
  • Credit card
  • APR or interest rate
  • CA
  • 94577
Referral
03/11/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • WA
  • 98188
Web
03/11/2015 Yes
  • Debt collection
  • Non-federal student loan
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 90005
Web
03/09/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • IL
  • 60545
Web
02/24/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MA
  • 02703
Web
02/20/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • CA
  • 92704
Web
02/11/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30342
Web
02/06/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • CA
  • 93307
Web
02/04/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • PA
  • 19607
Web
01/21/2015 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • WA
  • 98404
Phone
01/08/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 78753
Web Older American, Servicemember
12/05/2014 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • NY
  • 10463
Fax
12/04/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 93301
Web
12/03/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • VA
  • 23513
Web
11/25/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 93726
Web
11/15/2014 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • PA
  • 18231
Web
11/11/2014 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • AZ
  • 85023
Web
11/07/2014 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • MN
  • 55303
Web
10/26/2014 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • DC
  • 20011
Web
10/16/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CO
  • 81413
Web
09/23/2014 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • MO
  • 63129
Web
09/08/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • OR
  • 97624
Web Servicemember
08/23/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33436
Web
08/10/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • SC
  • 29579
Web
06/24/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • WI
  • 53705
Web
06/24/2014 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • WA
  • 98101
Web
06/23/2014 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • CA
  • 95368
Web
06/19/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MD
  • 20602
Web
06/06/2014 Yes
  • Payday loan
  • Charged fees or interest I didn't expect
  • CA
  • 90710
Web
05/25/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 76102
Web
05/22/2014 Yes
  • Credit reporting
  • Credit monitoring or identity protection
  • Billing dispute
  • IL
  • 60507
Postal mail
04/16/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • WI
  • 54524
Web
04/14/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • AZ
  • 85258
Web
04/10/2014 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • TX
  • 79762
Web
04/09/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • KY
  • 41144
Web