Consumer complaint received 2025-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I called to get a payoff for a loan that I took out with Easy Pay. The original loan amount was for {$2600.00}. I have scheduled payments of {$140.00} every XXXX weeks. I have made a total of XXXX payments so far totaling an amount of {$700.00} to date. That should've brung the original about owed to {$1900.00}. 

I asked the associate to please provide me with XXXX payoff dates. XXXX for XXXX XX/XX/XXXX and the other date for XXXX XX/XX/XXXX. The associate whom I spoke with on the phone identified himself as XXXX. XXXX told me that there were XXXX separate payoff amounts. XXXX with a promotion to help save money and the other without a promotion. So I asked XXXX to please provide the payoff amount with the promotion. XXXX provided me with a payoff amount for XXXX XX/XX/XXXX totaling an amount of {$4500.00}. 

XXXX then provided a second payoff amount for XXXX XXXX for {$4400.00}. 

I then paused as those amounts were very high. I told XXXX that I was in dismay as I did not understand why the amount for a payoff was higher than the amount that we financed. knowing that with our total payments made should've only left a balance of {$1900.00}. That we would go from that to XXXX times the amount financed. 

I called back after doing some research online and spoke with a different representative. Her name was XXXX. I called and explained to XXXX that the interest rate for the amount that we owed was way above what the State of Georgia allows and was she familiar with this. I also notified XXXX that we were members of the military and that companies should not be charging predatory interest rates to members of the military. XXXX responded by saying there was nothing she could do to help. I explained that we took out a loan for {$2600.00} and have made payments totaling {$700.00} so that should've only left a remains balance of {$1900.00} for the original amount financed. I also explained that I had ran numbers for the interest rates and discovered that from the original amount financed of {$2600.00} less the payments that according to XXXX the previous representative the payoff amount quoted of {$4500.00} on XXXX XX/XX/XXXX would equate to an overall interest rate of 173 % I also explained that the payoff amount of {$4400.00} on XXXX XX/XX/XXXX would equate to an interest rate of 169 %. I also explained that if we kept making payments for a XXXX  month loan of monthly payments of XXXX every XXXX weeks that we would be paying a total of {$7200.00} in all for a {$2600.00} dollar loan. That interest rate would total an amount of 280 %. I then asked if there was anything that they could do as we are just wanting to payoff the loan at a reasonable amount. Both representatives responded, " no ''. That's why I am filing this complaint with the XXXX XXXX XXXX XXXX. I am feeling trapped and feel helpless. I was not aware that we paid off the loan early that we would still be held responsible for interest for future dates of the loan.

Company response to consumer: Closed with explanation