Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
This complaint is related to CFPB Complaint ID XXXX, which was closed before I discovered new, material evidence of withheld information and misrepresentation by the company. 



Background In XX/XX/XXXX, I entered into what EasyPay Finance called a rental-purchase agreement for a {$3500.00} car repair transaction. I allege this arrangement is actually a disguised high-interest loan structured to evade consumer lending laws, and that EasyPay has engaged in deceptive practices and disclosure violations under XXXX  and federal law.

Violations & Issues 1. Contract Provided After Signing EasyPays own XX/XX/XXXX CFPB response admits : After signing the Lease, a link to the Lease was sent. 
Under XXXX XXXX XXXXXXXX XXXX  XXXX and Truth in Lending Act/E-SIGN Act, the full, final agreement must be provided before or at signingnot afterward.

2. Expired Link/ No Proof of Contents The text message link they claim contained the agreement is expired and inaccessible. 
They have produced no proof that the link contained the complete final contract with all terms and disclosures at the time it was sent. 

XXXX. XXXXn Timeline Problem XXXX logs show the XXXX contract was sent and signed in about XXXX minuteinsufficient time for a meaningful review. 

4. Loan Disguised as Lease EasyPay supervisors admitted in recorded calls that I was leasing money. 
This is a loan, not a lease, and must comply with XXXX lending laws, including interest-rate caps. 

5. APR Exceeds XXXX Usury Limits I have paid {$5300.00} on a {$3500.00} balancean APR exceeding 100 %, far above XXXX usury limits. 

6. Ongoing Fees After 90 Days EasyPay assessed ongoing rental fees after the XXXX early-purchase period without disclosing how to avoid them. 

XXXX. XXXX XX/XX/XXXX Decision EasyPay internally decided to reject my refund and cancellation request on XX/XX/XXXX. 
They did not inform me until XX/XX/XXXX, when I called them ; they emailed the rejection to me that day. 
XXXX hours later on XX/XX/XXXX, they submitted a CFPB response claiming my account was closed and paid in full, without disclosing the XX/XX/XXXX rejectionmisleading both me and the CFPB. 

XXXX. Ignoring Refund Demands I demanded a refund in : My original CFPB complaint, My XX/XX/XXXX email to EasyPay, and My XX/XX/XXXX web-portal message to EasyPay. 
Company reps claimed we dont see a request for a refundthis is false and provable. 

9. Closing Account Resolution Closing my account as paid in full does not erase the {$5300.00} already paid under an unlawful agreement.

10. Bad-Faith Response EasyPay ignored multiple specific issues in my complaint. 
They blamed a third-party provider for disclosure problems, but they remain legally responsible for their agents conduct.

11. Failure to Provide Physical Service Address Provided only a billing address, not a physical address for service of process, as required under XXXX  law. 



Evidence Available XXXX. XX/XX/XXXX written decision rejecting refund/cancellation. 
XXXX. XX/XX/XXXX CFPB response claiming paid in full without disclosing the XX/XX/XXXX rejection. 
XXXX. XX/XX/XXXX call notes where a rep confirmed the XX/XX/XXXX rejection and said they dont see a refund request. 
XXXX. XX/XX/XXXX auto-reply from EasyPays portal confirming receipt of my detailed message listing violations and refund demand. 
XXXX. XXXX XXXX of Completion showing a XXXX contract sent and signed in XXXX minute. 
6. Expired-link screenshot showing I can not verify contents.

7. Recorded calls with supervisors admitting I was leasing money.

8. Payment records showing {$5300.00} paid on a {$3500.00} balance.

9. Switching the Payment Name/ Obscuring Transactions During the agreement, EasyPay changed the payment descriptor on my bank records without notice or explanation, XXXX  days into the term. 
The descriptor went from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This sudden change occurred with no communication to me, making it more difficult for consumers to recognize and track payments. 
Changing the payment name mid-agreement can obscure the true payee, create confusion for accounting purposes, and reduce the likelihood of successfully disputing charges with a financial institution.

Company response to consumer: Closed with explanation