EasyPay Finance complaints

January 12, 2026 To Whom It May Concern, EasyPay Leasing received and reviewed the complaint initiated by Muszick. We appreciate the opportunity to respond. After reviewing Muszick's complaint, we'd like to provide some clarification regarding Muszick's Rental-Purchase Agreement ("Lease"). On August 19, 2025, Muszick entered into a Lease with EasyPay Leasing, LLC ("EasyPay"), for personal property as described in the Lease's Invoice (the "Personal Property"). EasyPay provides multiple disclosures of the Lease terms and conditions throughout the application and contracting process. As part of the application process, Muszick was presented with required disclosures and had to agree to them before proceeding. After application approval and invoice generation, Muszick received the Lease Agreement to review. By signing the Lease, Muszick confirmed having read, understood, and agreed to its terms. After signing the Lease, a link to the Lease was sent to Muszick via email and text message. Please see the image below for the text messages that Muszick received prior to and after signing the Lease. NOTE: the emails and text messages were sent to the same email address and phone number Muszick supplied on the complaint form as contact information. The Lease includes Early Purchase Option(s) ("EPO"). Please refer to Section 5 of the Lease for further details regarding these options. The terms and conditions of the EPOs were provided at the time of application and are thoroughly outlined within the Lease, which was sent to Muszick via text and email on August 19, 2025. The 90-day EPO expired on November 18, 2025. The disclosures for the 90-day EPO clearly state that more than the regular lease payment amount would need to be paid within the 90-day period. Muszick's Lease specifies a "Total of Payments (excluding tax)" of $12,472.20. This total is calculated by multiplying each lease renewal payment (excluding tax), which is $239.10, by the number of regular bi-weekly payments, 52, and adding the $39.00 processing fee. The Cost of Rental, $8,031.70, represents the sum paid above the cash price should all scheduled payments and fees be completed as agreed. However, Muszick has the option to purchase the leased items before the end of the term. Per Section 5(b) of Muszick's Lease: To exercise the standard EPO and purchase any or all Personal Property after 90 days but prior to the end of the Full Term, you may pay at any time all amounts then due under this Agreement plus the applicable "EPO Price" (defined as the remaining Regular Payments x 70) plus applicable taxes and any outstanding late or returned payment fees and any other fees/charges allowed under this Agreement. Using the Early Purchase Option ("EPO") can reduce Muszick's total cost by lowering the number of lease renewal payments. Because the EPO involves a specific calculation, Muszick can contact Customer Service either by phone or email to request the EPO amount and EPO expiration date. The phone number to request the EPO is 866-470-7575 and the email address is [email protected]. The EPO does expire due to the Lease renewal period. Once the EPO expires, a new calculation will be required. On December 30, 2025, Muszick spoke with a Customer Service representative stating they had been trying to log in to the portal and were having a difficult time reaching EasyPay. The representative assisted with online access and resetting the password. The last time Muszick logged in to the portal was on November 11, 2025. Additionally, EasyPay's Customer Service hours are as follows: 5:00 am – 7:00 pm PT (8 am – 10 pm ET) Monday – Friday 7:30 am – 4:00 pm PT (10:30 am – 7:00 pm ET) Saturday Muszick can also view their account information anytime via the online portal at myx.easypayfinance.com For further questions regarding the account or this response, please contact our Customer Service Supervisor, Megan, directly at 866-470-7575. Sincerely, Compliance Department BB EasyPay Leasing, LLC

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To Whom It May Concern, EasyPay Leasing received and reviewed the rebuttal complaint initiated by Denise Muszick. We appreciate the opportunity to respond. As stated in our response dated January 12, 2026, EasyPay provides multiple disclosures of the Lease terms and conditions throughout the application and contracting process. As part of the application process, Muszick was presented with required disclosures and had to agree to them before proceeding. After application approval and invoice generation, Muszick received the Lease Agreement to review. By signing the Lease, Muszick confirmed having read, understood, and agreed to its terms. The Lease includes Early Purchase Option(s) ("EPO"). Please refer to Section 5 of the Lease for further details regarding these options. The terms and conditions of the EPOs were provided at the time of application and are thoroughly outlined within the Lease, which was sent to Muszick via text and email o

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This relates to a Retail Installment Contract ("Contract") with Moped Deals, purchased by Duvera Billing Services LLC dba EasyPay Finance (A copy of the Contract is enclosed). On February 24, 2024, Fiore electronically signed the Contract, along with an Application for Credit and an EFT Authorization for a scooter provided by Moped Deals (A copy of the invoice is enclosed). Fiore's Contract included a 90 Day Finance Charge Cap Promotion ("Promotion"), which means if the balance would have been paid in full within the 90 days and the promotion requirements set forth below were met Fiore would have paid no more than $40 in Finance Charges. (1) Pay the entire Amount Financed, any fees owed (such as Late Fees or Dishonored Payment Fees), and the earned Finance Charges up to $40; and (2) Have no payment that was over 30 days past due; and (3) NOT otherwise be in default under your agreement during the Promotional Period. The "Promotional Period" began on the date of the Contract and expired on May 24, 2024. The terms and conditions of the Promotion were provided during the application process and are referenced in detail within the Contract, as well as within a separate Promotion rider in the Contract Fiore signed. Fiore would have had to pay more than the amount and listed payment frequency in Fiore's Payment Schedule in order to meet the terms of the Promotion. The Merchant may offer additional financing options that may have been discussed at that time. Unfortunately, EasyPay Finance is unable to comment on the other financing options discussed (and potentially applied for), that may potentially be causing some confusion. EasyPay Finance does not offer a financing option of 6 months no interest. As part of the Contract, Fiore financed $1,259.29 at 178.99%. The total Finance Charge for the Contract is capped at $1,698.11. This means that no matter how long it takes Fiore to pay off the Contract, once the total Finance Charge for the account has been met, the account will not accrue more interest. As an item of note, if Fiore only makes the minimum contractual payments on the account, Fiore will pay the Contract for the full 12-month term. To pay less interest on the account, Fiore can make larger or additional payments, or Fiore can also pay the account in full at any time, as there is no penalty to pay the account off early. It is also important to mention that although there is a cap on the total Finance Charges for the account, Fiore is still responsible for any other relevant fees as detailed in the Contract. EasyPay Finance respectfully declines Fiore desired settlement. To assist Fiore, EasyPay Finance can place a 30-day hold on the account. This will pause the interest from accruing for the next 30 days and allow Fiore time to pay the Contract off in full. This offer will expire on January 19, 2024. We ask that Fiore please contact us directly to take advantage of this offer and to obtain the hold amount. If Fiore has any further questions regarding the account or our response, please contact our Customer Service Supervisor, Megan, directly at 858-264-6987.

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