Consumer complaint received 2024-03-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Duvera Billing Services, LLC (VA)

My vehicle was towed to XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, ( see XXXX XXXX  receipt from towing ) for an oil leak under the hood on XX/XX/XXXX and stayed at the shop until XX/XX/XXXX, pick up, and on returned XX/XX/XXXX due to incomplete service. I paid for mechanic services ( Diagnostic Testing, Engine Reseal, Virginia State Inspection, Replace Control Arm, and Battery XX/XX/XXXX with XXXX XXXXXXXX XXXX using payment method Easy Pay Finance loan ( {$2600.00}, 178.99 % XXXX rate, {$220.00} every two weeks, and debit card payment of {$2000.00}. ( see attachment for receipt of XXXX XXXXXXXX XXXX ). " Easy Pay Finance loan covered the following services : Per Page XXXX of XXXX of the only XXXX readable pages of contract : " Steering & Suspension, Other, Battery ''. The representative that processed the loan at XXXX XXXX XXXX gave me an illegible contract and told me I could retrieve copies online. ( see attached ) Two days after service, I had to return the vehicle due to overheating and the vehicle not riding smooth and worsened. I wrote a XXXX review on the night I dropped off the vehicle with XXXX XXXXXXXX XXXX. After numerous failed attempts to resolve issues with XXXX XXXXXXXX XXXX ( providing another diagnostic estimated services with discounted prices and XXXX XXXXXXXX XXXX office ( no follow up ). On XX/XX/XXXX, I reached out to Easy Pay Finance to resolve this issue. I filed a dispute with Easy Pay Finance and submitted a statement with supporting documentation. Easy Pay Finance said they would investigate this, and it would take 5-7 business days. The results did not go in my favor due to statement of the Merchant declining the allegations and the account will remain as is. ( See attached ). I requested the investigation findings and process and was only provided with an email from Easy Pay Finance representative ; a statement from XXXX ( XXXX  XXXX XXXX the representative who was there on XX/XX/XXXX, who told me to come back on XX/XX/XXXX to pick up my vehicle due to a power outage from car accident ). XXXX was present during my services along with XXXX XXXX, " XXXX  '' of XXXX XXXXXXXX XXXX. I spoke with numerous Easy Pay Finance representatives about the issue. One representative told me in the contract that there was some information that could terminate my contract due to failure to properly service vehicle. I was unable to gain access to the contract since the beginning of the loan and still unable to retrieve it online. After the dispute results were verbally told, the Easy Pay representatives could not assist and told me that I would be responsible for the account. I disclosed with Easy Pay Finance that I will be escalating this issue or seeking legal/ third party assistance and kept clear communication with Easy Pay Finance about my financial issues. I have been constantly ignored about my issues and received threatened notices for non-payment to be sent to Credit Bureaus on numerous occasions. I am requesting termination of contract due to breach of contract with Easy Pay Finance for the following reasons due to their merchant, XXXX  XXXX XXXX not completing the services properly leaving me in a financial crisis unable to make payments and properly fix my vehicle, performing a diagnostic test and state inspection during first visit illegally passing a vehicle that needed the recommended services that were revealed after XXXX drop off. ( see attached receipts and estimates from XXXX ), 178 % APR rate higher than State regulation ( contract of legible page ), and lastly, recommended services that were completed prior to service.