Consumer complaint received 2022-07-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: FL

Complaint narrative:
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.

Company response to consumer: Closed with explanation