I took out a loan through Duvera Financial to finance a gas scooter so that I could get back and forth from work. After having to contact the CFPB over Duvera changing my interest rate and payment amounts agreed on, their were no issues. 

Then this past week, on XXXX/XXXX/15, I logged into the payment portal, and made my monthly payment, as I have every month, XXXX single payment a month. However, on XXXX/XXXX/15 at approx. XXXX, I noticed that the payment I submitted had processed through, but an additional payment was taken out of my bank account for the same amount, on XXXX/XXXX/15. I immediately called Duvera Financial, and was placed on hold for XXXX minutes before being told by a " XXXX '', that I made XXXX payments. 

When I stated that I only made the XXXX payment on XXXX/XXXX/15, she instantly started saying that I did no such thing and placed a XXXX payment. After pointing out that I only make XXXX payment a month several times, she proceeded to state that I had set up an Auto-pay on the account ( which I did no such thing, as every payment made has required me logging in and scheduling the payment up until this point ). She then said that she would put in a request to cancel the payment, and that I should see the payment reversed in 3-4 business days. 

I just contacted my bank ( XXXX XXXX ) to be told that they do not see any pending transfers on the account in question, and that they do not see anything from Duvera. So I contacted Duvera yet again at XXXX on XXXX/XXXX/15. After another XXXX minutes of being on hold, I finally got someone who would not give her name when asked. When asked about the status of the refund for the pending amount, she told me that " You called us on XXXX/XXXX/15, it 's only been XXXX days. It takes time to reverse the payment. We do n't know when it 's going to be credited back ''. I asked for a supervisor, was placed on hold, then a guy answered the phone and said that it will be another XXXX business days for the refund on the payment. 

As of now, I 'm accruing NSF fees through my bank becuase of the XXXX payment that they took out, because my bank processed the payments that were due to be taken out at the same time as the XXXX payment was processed. Now as it sits today, I 'm owing my bank {$140.00} from bills that were processed out and NSF fees that have been accrued by Duvera taking a XXXX payment without my authorization. 
