Consumer complaint received 2022-06-18
Company: Duvera Billing Services, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
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.

Company response to consumer: Closed with explanation