ComplaintsforEasyPay Finance

• Initial Complaint

  08/22/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  in July 2023 I signed up to use easy pay to help finance work being done on my car. on 8/15/23 I got notice from Easypay finance that my finical institution I use to process all of my payments had requested a chargeback for a transaction on 7/6/23. once this chargeback happened it automatically put my account 30 days past due. forcing me to no longer qualify for the 90 day promotion. I called easy pay on 8/16/23 to let them know I never requested a chargeback. Easypay said they needed to investigate the matter AND THAT THEY ALWAYS HAVE TROUBLE WITH PAYMENTS FROM CASH AP. I then provided written documentation from my bank that no such chargeback was requested and then on 8/18/23 I provided that information to easy pay. Easypay then told me they verified on their end that that chargeback was valid. I then requested any documentation on the charge back request from my financial institution. I was first told that was a special request and I needed to email to request it. once requested easy pay then said they can't provide me with the document. I assured them I nor my bank requested a chargeback and the only option they say I have is to call easy pay then call my bank on threeway. I declined simply because at this point its clear this is a scam easy pay does to stop customers from being eligible for the promotion allowing their company to capitalize off of the insane interest rate. I always planned to pay in my 90 days and never missed a payment or requested a chargeback. Lastly the money was never returned on my end, all I have is easy pay telling me they returned the money like my financial institution requested but no proof of the request. After reading BBB reviews on the company I got sadden realizing this is what they do all around America. I had to leave work early due to stress cause by them telling me someone requested a chargeback without providing proof. I am being robbed and taken advantage of by easy pay finance and I don't know what to do.

  

  Business response

  08/24/2023

  We received and reviewed the complaint initiated by ******* ********. Thank you for allowing us the time to
  respond.
  This relates to an Installment Loan Agreement (“Agreement”) with ************** ******** ***** ***. dba *** **** as Lender, facilitated and serviced by ****** Billing Services LLC, dba EasyPay Finance (Agreement
  enclosed). On June 17, 2023, ******* signed the Agreement, along with an application for credit and an EFT
  Authorization for services provided by 327 ******* ****** **** ******* Ltd dba ***** - 327.
  On July 7, 2023, ******* had two payments processed. One payment for $*****, declined as “Insufficient
  funds.” The second payment for $***** was charged back on August 14, 2023.
  On August 16, 2023, ******* called EasyPay Finance customer service department and spoke with a
  representative. ******* stated that ******* had canceled one of ********* payments. Since the first payment
  declined, EasyPay Finance believes the payment ******* referenced is the payment that was charged back.
  The charge back payment dispute was reviewed by EasyPay Finance’s credit card processing vendor
  Converge. After reviewing the dispute, Converge confirmed the charge back was valid and was completed.
  The outcome of this dispute was emailed to ******* on August 18, 2023. (Email enclosed)
  On August 18, 2023, a customer service representative offered to do a three-way call with ********* bank to
  help resolve the issue via email (Email enclosed for reference). However, ******* declined the offer.
  EasyPay respectfully declines ********* request for a refund. If ******* has any further questions regarding the
  account or our response, please contact our Customer Service Supervisor ***** directly at ************.
  Sincerely,
  Compliance Department
  **
  EasyPay Finance

  

  Business response

  08/31/2023

  We received and reviewed the rebuttal initiated by ******* ********* Thank you for allowing us the time to
  respond.
  As stated in the previous BBB complaint response, ******* had two payments process on July 7, 2023. One
  payment for $*****, for which ******* states in the rebuttal that this payment declined. ********* second
  payment that was processed on July 7, 2023, in the amount of $*****, ******* states in the rebuttal that the
  $***** charge was cancelled. Although the $***** payment may have been cancelled by ********* bank on a
  certain day, it can take several days for an ACH transaction to process, causing the difference in dates.
  ******* has stated twice that both transactions for July 7, 2023, were either canceled or declined. Attached is a
  copy of ********* payment history. To date, EasyPay Finance has only received one payment from *******.
  ******* has yet to provide a bank statement showing the $***** payment that remains cleared in the bank
  account. As previously stated to *******, EasyPay Finance can complete a three-way call with the bank or
  ******* can provide bank statements of the transaction history for EasyPay Finance to review. If ******* does
  not provide this information, EasyPay Finance is unable to further assist with this concern.
  If ******* has any further questions regarding the account or our response, please contact our Customer
  Service Supervisor ***** directly at ************.
  Sincerely,
  Compliance Department
  **
  EasyPay Finance

  Customer response

  09/18/2023

  This company is twisting my words in a clear attempt to take advantage of me. As stated I called in a day earlier then my arranged payment date and paid **$ which should have canceled the automatic payment the following day for **$. at that same time I WAS CHARGED **$ A SECOND TIME IN 24 HOURS. this time unauthorized. I called in the cancel THE SECOND UNAUTHORIZED **$ PAYMENT. the original 60$ payment cleared the following Monday 7/8. Attached is the receipt showing this completed charged processed. I previously provided correspondence between me and my financial institution confirming that I never requested a chargeback of any kind at any point. I only canceled the double charge. I did that on 7/6 and since then neither me or my financial institution requested a chargeback. on top of all this it has been officially 35 days since the alleged chargeback and I still have not been refunded the **$ I am being robbed and the stress is becoming unbearable I've had to call off work several times and been to the emergency room for anxiety due to this blatant robbery and abuse of power. I received letter in the mail I had 5 days to pay or this will go on my credit. I'm in the process of buying a home if this effects that I'm going to be forced to take legal action. my account should be placed on hold until this matter is resolved. 

• Initial Complaint

  07/20/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I am writing to express my deep dissatisfaction with the service provided by EasyPay Finance in relation to my PetPalace purchase. My account has been diligently maintained with on-time payments, but I encountered an issue with the second-to-last payment, which was promptly resolved by re-sending the payment.Despite resolving the payment issue immediately, I am shocked and dismayed to discover that EasyPay Finance is now attempting to charge an additional $800 in interest on top of the $1,900 I have already paid. This excessive interest charge is unjust and completely unwarranted, as I have fulfilled my payment obligations in a responsible manner up until the temporary mishap.I kindly request that this matter be investigated promptly by the proper authorities, and that the excessive interest charges be removed from my account. I believe in fair and transparent business practices, and I expect the same from EasyPay Finance.Please respond to this complaint at your earliest convenience and provide a resolution to this matter. I hope that the Better Business Bureau will intervene and help rectify this unfair situation.I do not wish to deal with these lying crooks any more and am considering legal action.

• Initial Complaint

  03/31/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  My daughter completed ******************** contract in her name only *********************** In dec 2022 with Maaco auto painting. My name *************************** had nothing to do with it, yet it is showing on my credit report as 454 days past due. I want it removed from my credit report. I called Easy pay also known as Duvera they told me my daughter used my info so i should file a police report for identity theft. She did no such thing as all paperwork has ONLY her name on them. (See attached)

  

  Business response

  04/07/2023

  Please reference the attached documentation for EasyPay Finance's response to *****************************' complaint. 

• Initial Complaint

  11/09/2021

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  Every time I call it takes 8 hours or more for a return call. My balance doesn't seem to be going down because of the interest. Last time I called my balance was close to what I owed, when it should almost be paid off. I have $69.33 taken out of my check every 2 weeks. I request all interest be waived.

  

  Business response

  11/11/2021

  response and supporting docs included.

• Initial Complaint

  11/05/2021

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I just opened this account per recommendation from my auto mechanic. I was notified first payment returned because of "invalid account number" which is totally wrong. I tried to call multiple times. Always 200 and something callers in front of me. I looked at my account and I was charged $25 returned fee, $10 late fee (which according to contract isn't supposed to be posted until payment is late 10 days) and now they are charging me interest because of said returned payment. My balance immediately went up $100. Yet today, payment went through no problem with no further action from me because I could never get them on the phone. So it seems to me they are doing this for first payments so that they can collect all the interest they otherwise wouldnt if i had paid within 90 days without any issues which is definitely what I had planned to do. I want a the $25 returned fee, $10 late fee and any accrued interest so far or in the future taken off my account now. The invalid account number thing is completely false. I owe $790 - today's payment of $69.86 PERIOD and that is all they are going to get. I will close my checking account down if I have to. They won't get another dime from me. This company is a scam.

  

  Business response

  11/09/2021

  response attached

  Customer response

  11/09/2021

  
  
  Better Business Bureau:
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  
  Regards,
  
  
  *********************
  
  
   
  

• Initial Complaint

  10/30/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  On October 8th, I was approved for a loan through easy pay finance. I agreed to making monthly payments if $97.36 that would be automatically withdrawn from my account. Yesterday, October 29th, I received an email saying that they attempted to draw funds from my account and it was returned unpaid. As a result, they have now added a $25 returned fee charge to my account. I found this very strange as I have more than enough money in my account to cover the initial payment. I tried logging into my account and the system would not allow me to after trying multiple times and even trying to change my password. I tried calling their customer service line only to find out I was the 600th caller in line. I chose the option to receive a call back and never received a call. I have also tried to email the company and have not received a reply.

  

  Business response

  11/02/2021

  response attached

  Customer response

  11/02/2021

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  *****************************
  
   
  

• Initial Complaint

  10/22/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion, Equifax, and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The ************************* which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.1. EASYPAY/DVRA $1,458.00 ********

  

  Business response

  10/26/2021

  response attached

• Initial Complaint

  10/15/2021

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I have sent multiple certified mail letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 35 days for these accounts that are clearly inaccurate and fraudulent accounts. This creditor is disregarding the law and taking advantage of me and this has caused a big stress on my life. My most recent certified letter I sent was 09/08/2021. Attached file is the FTC I sent to them which includes the items in dispute. I DEMAND that all the items are deleted and if action is not taken I will sue in small claims court in my city and the company will have to come and represent themselves.

  

  Business response

  10/19/2021

  response attached

  

  Business response

  10/20/2021

  Please see response in attachment. 

• Initial Complaint

  10/15/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Long story short I financed with ***** and have auto pay with my card on file they have stopped taking the payments, for what I have no idea, I keep trying to contact them and its always 110 calls ahead of you another time 125 calls ahead of you, I was scheduled for a payment today 10/15/21 and nothing I've been trying to call and get cannot get thru, this is very frustrating, I am trying to build my credit and this error of them not taking the payment is really upsetting, to where it's causing me anxiety. Please help me BBB this is truly a very unprofessional way to make customers credit look bad when it is Easy Pays fault.

  

  Business response

  10/19/2021

  response attached

• Initial Complaint

  10/14/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  This company should be banned. They are the epitome of what crooks do. I purchased a puppy a few months ago and was told 90 days 0 interest. Well 90 days past and I was unable to pay my dogs amount. Little did I know that the interest rate would jump up to 79%. The price of of the dog was *****. By the end of my contract it now states I will pay 6,400$ and some change. I am at a loss. Im stuck paying bi-weekly payments of 179. With only 34$ going to the principal. This is INSANE !! And should not be allowed. I have learned a major ******* I just wish I knew how to make other people aware and how I could get an investigation going on this company !! PLEASE dont ever use this company ! ITs a ROBBERY !! I have tried mutiple times to call the company and I cant get ahold of anyone ! I try calling almost every day! My credit has not been updated in months. It shows I owe more then what I do! This horrible choice that I have made has costed me more then I could ever imagine.

  

  Business response

  10/18/2021

  response attached

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩