Duvera Billing Services

I did accept the resoloution presented to me by [redacted] @ extension [redacted] however it should be noted I contacted this company via email the email is as follows:Dear [redacted] ***,Your retail installment contract was for $ Your interest rebate promotion period expires on 4/7/ If you still have a balance after 4/7/interest accrues from the contract date on the remaining balance at 189% Your contract includes a day Interest Free promotionPlease note that finance charges accrue from the date of purchase and will be added to your account until paid in fullAny finance charges paid will be rebated to you unless the Day Interest Free Promotion has been invalidated because 1) the total Amount Financed is not paid in full by the expiration date provided below, or 2) you fail to make a minimum payment on the account when dueThank you, [redacted] *[redacted] Phone [redacted] extension ***Fax: [redacted] Monday-Friday 5am-7pm pst Saturday 7:30am-4pm pst-----Original Message-----From: [redacted] [ [redacted] ] Sent: Saturday, March 07, 3:AMTo: CustomerServiceSubject: Account balance Hi what is my actual amount owed and when does the days no interest endOh also if I still have a balance when that period ends is interest applied to the total amount financed or the remaining amount? Thanks!...--------------Per the email I did ask to have the terms clarified as to how the interest would be applied and clearly was told the remaining balance which is the reason I made the compaint in the first place so for Duvera to say I did not have a justifiable complaint irritates me as a customer because I was given not correct informationAs far as the resolution I did feel as though I was pressured to pay on the spot in their time because they felt as though they were doing me a favor by not charging me any interest when I never disputed interest the dispute was about the amount which directly contradicts the company saying I did not have a justifiable complaint My experience with this company was not a good one and I am very thankful to not have to do anymore business with them.Thank you Duvera and thank you Revdex.comWarm regards [redacted] ***

This relates to a retail installment contract between [redacted] and [redacted] , LLC dba [redacted] which was purchased by DuveraFinancial [redacted] signed a Retail Installment Contract (RIC) with [redacted] , LLC dba [redacted] on May 16, 2015, along with anApplication for Credit and an EFT Authorization FormA digit contract codewas sent to [redacted] ’s personal mobile phone prior to accepting theterms of the contract with a link to all his contract terms, which he confirmedreceiving by providing this code to the merchantThe RIC clearly sets forththe terms of [redacted] ’s credit and discloses, in accordance withRegulation Z under the federal Truth in Lending Act, a payment schedule of $70.29per month for months, at an Annual Percentage Rate of 189%The merchant, KeroVentures, LLC dba [redacted] had the option at the time of creatingthe financing offer for [redacted] to offer a day interest rebatepromotion to his customer as part of the terms of the contract, but themerchant did not take this option Regarding [redacted] ’s concern over the APR, Washington law expressly permits theparties to agree to any finance charge, to be set forth in the contractSeeWashington code§ 63.14.130(1) "The service charge, in a retailinstallment contract, shall not exceed the dollar amount or rate agreed to bycontract and disclosed under RevCode Wash§ 63.14.040(1)(h)." [redacted] has not disputed receiving the goods he contracted for or that he signed thecontractIn short, we do not believe that [redacted] has a justifiedcomplaintHaving said that, we want all of our client's customers to have agood experienceWe have offered the day Interest Rebate Promotion to [redacted] and he acceptedShould [redacted] have any questions he can contact theCustomer Service Manager [redacted] 8372, ext***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , 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, [redacted]

This relates to two retail installment contracts between Mr [redacted] and Happiness Is Pets VI, Incdba Happiness is Pets – Lombard which were purchased by Duvera Financial dba EasyPay FinanceMr [redacted] signed a Retail Installment Contract (RIC) with Happiness Is Pets VI, Incdba Happiness is Pets – Lombard on August 28, and the second one on September 30, along with Applications for Credit and an EFT Authorization FormsIn order to generate the contracts a 5-digit contract code was sent to Mr [redacted] ’s mobile phone with a link to all of the contract terms, which he confirmed receiving by providing these codes to the merchantIn addition, prior to reviewing and signing the RICs, he had to answer security questions which pertained only to his personal credit reportA copy of the contracts and all relevant disclosures were emailed immediately upon signing to [redacted] , the email address provided by Mr [redacted] as part of the application processThe RIC clearly sets forth the terms of his credit purchase and discloses, in accordance with Regulation Z under the Federal Truth in Lending Act, a payment schedule of $per month for months, and a payment of $per month for months both at an Annual Percentage Rate of 189%Please note that Mr [redacted] was also offered a 90-day interest rebate promotion, expiring on November 28, for the first contract and the merchant did not include an interest rebate promotion on the subsequent contractMr [redacted] did not take advantage of this promotion prior to the expiration date for his initial RICRegarding Mr [redacted] ’s concern over the APR, Illinois law expressly permits the parties to agree to any finance charge, to be set forth in the contractSee Illinois codeILCS § 405/27, “Notwithstanding the provisions of any other statute, retail installment contracts executed after the effective date of this amendatory Act of 1981, there shall be no limit on the finance charges which may be charged, collected and received”Mr [redacted] became delinquent on his second contract in March and our Customer Service department reached out and left a message for him on the following dates; March 15, March and April 18, On the following dates we also attempted to reach Mr [redacted] to discuss his past due account and we received no answer; March 4, March 5, March 9, March and March 17, We have not spoken to Mr [redacted] regarding this account or the past due status of this account since he contacted our offices on February 25, to inquire about his balance and other account details such as APR and remaining term on accountAt no time on this call did Mr [redacted] indicate that he was never informed of the terms of his contracts, or dispute the balance on the accountMr [redacted] has not disputed receiving the goods he contracted for or that he signed the contractHaving said that we want all of our client’s customers to have a good experienceIf Mr [redacted] is having issues paying his contracted amounts going forward, we would invite him to call in specifically to [redacted] ***, VP of Operations at [redacted] to discuss modifying his payment arrangements, or negotiating a settlement on the remaining balance owed

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below [I was a victim of identity theftWhen someone steals your identity they use your information which may include your phone numbersThis was my first time being victimized by fraud and I wasn't aware of all the procedures to get this matter resolvedHowever, I didn't authorize anyone to use my identity to open this accountI filed a police report and forwarded it to this company] Regards, [redacted] ***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] The matter was resolved after I made this complaint and I am satisfied with the resultYou can close this case as resolved Regards, [redacted]

Please see our attached response for complaint ID [redacted]

This relates to a retail installment contract between Ms [redacted] and Happiness Is Pets of Naperville Crossing, Incwhich was purchased by Duvera Financial dba EasyPay Finance Ms [redacted] signed a Retail Installment Contract (RIC) with Happiness Is Pets of Naperville Crossing, Incon October 17, 2015, along with an Application for Credit and an EFT Authorization Form In order to generate the contract a 5-digit contract code was sent to Ms [redacted] ’s mobile phone with a link to all of the contract terms, which she confirmed receiving by providing this code to the merchant In addition, prior to reviewing and signing the RIC, she had to answer security questions which pertained only to her personal credit reportA copy of the contract and all relevant disclosures were emailed immediately upon signing to [email protected], the email address provided by Ms [redacted] as part of the application process The RIC clearly sets forth the terms of her credit purchase and discloses, in accordance with Regulation Z under the Federal Truth in Lending Act, a payment schedule of $per month for months, at an Annual Percentage Rate of 189% Please note that Ms [redacted] was also offered a 90-day interest rebate promotion, expiring on January 17, Ms [redacted] did not take advantage of this promotion prior to the expiration date Regarding Ms [redacted] ’s concern over the APR, Illinois law expressly permits the parties to agree to any finance charge, to be set forth in the contractSee Illinois codeILCS § 405/27, “Notwithstanding the provisions of any other statute, retail installment contracts executed after the effective date of this amendatory Act of 1981, there shall be no limit on the finance charges which may be charged, collected and received” Ms [redacted] has not disputed receiving the goods she contracted forHaving said that we want all of our client’s customers to have a good experience If Ms [redacted] is having issues paying her contracted amounts going forward, we would invite her to call in specifically to [redacted] ***, VP of Operations at 1-866-438-ext [redacted] to discuss modifying her payment arrangements, or negotiating a settlement on the remaining balance owed

Revdex.com Complaint ID: [redacted] ***This relates to a retail installment contract between Mr [redacted] and [redacted] which was purchased by Duvera Financial dba EasyPay FinanceMr [redacted] signed a Retail Installment Contract (RIC) with [redacted] Incdba [redacted] on June 14, 2014, along with an Application for Credit and an EFT Authorization Form A link to all of the contract terms was sent via text message to Mr***’s mobile phone which was provided during the application process In order to execute the contract, Mr [redacted] had to answer security questions which applied to his personal credit report which he completed A signed copy of the contract was immediately emailed to Mr***’s email [redacted] @comcast.net as provided on the Credit Application.On August 7, we contacted Mr [redacted] at the same personal mobile number that was provided on the application During this call he stated he had been a victim of identity theft, and that his ID was stolen from his car We immediately followed our Red Flags Procedures and we requested he file a police report, and send back to us along with a signed Fraud Affidavit No documentation was ever received as requested The account then transferred to Recoveries on October 1, due to non-payment and the delinquency status on the account In February 2016, we received a notice from a third party company stating there was possible fraud relating to this account We responded with a validation of debt notice and a copy of the payment history for this account We also flagged the account as disputed with the credit bureaus In August 2016, we received a dispute notification from one of the major credit bureaus indicating possible fraud We again sent out a request for Mr [redacted] to complete a Fraud Affidavit and send back along with a police report, or to have the affidavit notarized The letter was returned with a status of a bad address We completed a dispute investigation even though we did not receive the required information from Mr*** The investigation found no evidence of ID theft The mobile phone number used during the application process recites back to Mr [redacted] as the owner of that number The ID provided as part of the funding process is a valid ID that was verified by the Merchant during the application process We sent Mr [redacted] a Fraud Resolution notice on December 21, At this time, we believe this debt to be valid and owed by Mr***, and we do not believe that Mr [redacted] has a valid complaint The account remains in a disputed status Having said that, we want all of our client’s customers to have a good experience In an effort to resolve Mr***’s complaint, we are willing to work out a settlement on the account We invite Mr [redacted] to contact [redacted] VP of Operations at 866-711-ext [redacted] to discuss the settlement arrangements

This relates to a retail installment contract between [redacted] and [redacted] , Incwhich was purchased by Duvera Financial [redacted] signed a Retail InstallmentContract (RIC) with [redacted] , Incon June 22, 2014, along with an Application for Credit and anEFT Authorization FormA digit contract code was sent to [redacted] ’spersonal mobile phone with a link to all his contract terms, which he confirmedreceiving by providing this code to the merchant As confirmed by [redacted] the contractalso included a day interest free promotion offer, expiring on September 22, In addition, he signed the addendum for the day interest freepromotion which clearly outlined the terms of the promotion; “Interest chargesbegin accruing from the Contract Date, and will be rebated to Buyer if all ofthe following are true during the promotional period: (1) The total AmountFinanced plus other items to be financed (if applicable) listed in thisInstallment Contract is paid in full, (2) Buyer makes all timely payments, and(3) no payments made by Buyer are returned.” [redacted] became ineligible forthis promotion when his 8/22/payment was returned for insufficientfunds [redacted] was transferred toour recoveries department in October after his past due status was greaterthan days Mr [redacted] scheduledpayments with the recovery department to be processed for future dates, one ofwhich was scheduled for March 23, The payment was not honored by [redacted] ’sbank, and on March 24th, he called and provided a differentmethod of paymentThe payment was processed correctly as instructed by Mr [redacted] , but no duplicate payments have been collected as asserted by Mr[redacted] [redacted] has not disputedreceiving the goods he contracted for or that he signed the contractIn short,we do not believe that [redacted] has a justified complaintHaving saidthat, we want all of our client's customers to have a good experienceTo avoidany further miscommunication surrounding future payments, Duvera has removedthe previous payment arrangements and offered to settle the account for areduced amount, resulting in a savings of $1,to which Mr [redacted] hasagreedHe agreed to contact our offices before 04/17/to pay this reducedamount otherwise, and he is aware the offer is null and void

This relates to a retail installment contract between Ms***and Happiness is Pets VI, Incdba Happiness is Pets – Lombard which waspurchased by Duvera FinancialMs [redacted] signed a Retail Installment Contract(RIC) with Happiness is Pets VI, Incdba Happiness is Pets – Lombard on April17, 2015, along with an Application for Credit and an EFT Authorization Form.In order to generate the contract a digit contract code was sent to Ms***’spersonal mobile phone with a link to all of the contract terms, which sheconfirmed receiving by providing this code to the merchant In addition, prior to reviewing and signingthe RIC, Ms [redacted] had to answer security questions which pertained only to herpersonal credit reportA copy of the contract and all relevant disclosureswere emailed immediately upon signing to [email protected], the email addressprovided by Ms [redacted] as part of the application processThe RIC clearly setsforth the terms of Ms***’s credit purchase and discloses, in accordance withRegulation Z under the federal Truth in Lending Act, a payment schedule of $166.04per month for months, at an Annual Percentage Rate of 96%The contract alsoincluded a day interest rebate promotion offer, expiring on July 17, 2015,which Ms [redacted] did not take advantage of before the expiration date Regarding Ms***’s concern over the APR, Illinoislaw expressly permits the parties to agree to any finance charge, to be setforth in the contractSee Illinois codeILCS § 405/27, “Notwithstandingthe provisions of any other statute, retail installment contracts executedafter the effective date of this amendatory Act of 1981, there shall be nolimit on the finance charges which may be charged, collected and received” Ms [redacted] has not disputed receiving the goods she contractedfor or that she signed the contractHaving said that we want all of our client’scustomers to have a good experience and have attempted to contact Ms [redacted] viaphone and email to discuss arrangements on this contract If Ms [redacted] is having issues paying hercontracted amounts going forward, we would invite her to call in specificallyto [redacted] ***, Customer Service Manager at 1-866-438-extto discussmodifying her payment arrangements to something more manageable for her

Our goal at EasyPay Finance is to resolve all complaints to both parties satisfaction Under the current offer we provided to Ms [redacted] she is paying zero interest on the account, and is paying back less money than she actually borrowed by $If she is unable to make the settlement amount payable over months, we can extend the term to months bringing the monthly payment to $ If Ms [redacted] would like to take us up on this offer, we invite her to contact the VP of Operations, [redacted] to set up the payments

This relates to a retail installment contract between [redacted] AND Fusion Cycles which was purchased by Duvera [redacted] signed aRetail Installment Contract (RIC) with [redacted] dba ***Transmission on February 1, 2015, alongwith an Application for Credit and an EFT Authorization Form [redacted] communicated he needed financial assistance back in January and hismonthly payment was reduced from for $to $which was a result ofhis APR being reduced from 189% to 29% [redacted] originally had the account son automatic payment withdrawals,but had been making online payments Anautomatic payment of $was processed on April 6, 2014, and then thefollowing day [redacted] made a payment for $through our website resultingin a duplicate payment [redacted] wasinformed when he contacted our offices on April 7, that due to the methodof payment being ACH our standard business practice is to wait business daysto ensure the payment has cleared prior to reversing the duplicate payment We advised [redacted] to avoid waiting thebusiness days he could provide documentation the payment had cleared hisaccount by sending us a letter from his bank or a bank statement, and a refundwould be processed immediately [redacted] opted to wait the businessdaysA refund of $was processed on April 21, back to [redacted] [redacted] has not disputed receiving the goods he contracted for or that hesigned the contractIn short, we do not believe that [redacted] has ajustified complaintHaving said that, we want all of our client's customers tohave a good experienceIf [redacted] believes he is owed any fees as aresult of the duplicate payment we invite [redacted] to provide documentationso we may start the process of refunding any fees arising from the duplicate paymentback to [redacted] If [redacted] has any further questions he may contactthe Customer Service Manager, [redacted] directly at [redacted] , ext***

This relates to a retail installment contract between Mr[redacted] and [redacted] LLC dba Hawks PrairieHome Furnishings which was purchased by Duvera FinancialMr [redacted] signed a Retail Installment Contract (RIC) with [redacted] and [redacted] [redacted] dba [redacted] November 8, alongwith an Application for Credit and an EFT Authorization FormA digitcontract code was sent to Mr [redacted] ’s personal mobile phone with a link toall his contract terms, which he confirmed receiving by providing this code tothe merchantMr [redacted] elected to receive all of his correspondence viaemail when submitting his application for credit The email provided on the application was [redacted] Beginning withhis December payment, Mr [redacted] made all of his scheduled monthly paymentson time through March Starting inApril 2015, Mr [redacted] ’s payments were returned from the bank forinsufficient funds At the time thereturned payment was received from our bank the system automatically sends outa notice via email and it was sent to the email address that was provided onthe application Between the months ofApril through August our office continued to attempt to reach Mr[redacted] regarding his delinquent account through both email and telephone We used the cell phone number provided on theapplication, which was confirmed to be accurate when he finally contacted ouroffices on August 20, At thistime, due to the lack of payment the account was considered in default and ithas been transferred to our internal Recovery Department to work out alternatearrangements Mr [redacted] has notdisputed receiving the goods he contracted for or that he signed the contract.In short, we do not believe that Mr [redacted] has a justified complaint.Having said that, we want all of our client's customers to have a goodexperienceIf Mr [redacted] wishes to discuss settlement opportunities he maycontact [redacted] ***, Customer Manager at [redacted] ext***

This relates to a retail installment contract between [redacted] and [redacted] dba One Stop [redacted] which was purchased by DuveraFinancial [redacted] signed a Retail Installment Contract (RIC) with [redacted] dba One Stop [redacted] on March 6, 2015,along with an Application for Credit and an EFT Authorization FormOn March21, we contacted [redacted] and completed a Welcome Call and verified allthe terms of her contract, as well as verified the banking information providedto us by the customer and the merchant prior to purchasing the RIC [redacted] confirmed all the informationto be accurate When Duvera Financialattempted to withdraw [redacted] ’s first payment on April 15, 2015, it wasreturned as “Invalid Account Information/Unable to Locate Account” This resulted in a series of late notices to [redacted] On May 5, we werefinally able to make contact with [redacted] and obtain the correct bankinginformation we waived the fees that were incurred to [redacted] due to thereturned payment The agent did not setthe account back up on Electronic Funds Withdrawal as maybe [redacted] thought would occur after we received the April payment Again, this resulted in late notices beingsent to [redacted] This was an erroron our part and we apologized to [redacted] when she contacted our officeson June 3, to make her final payment [redacted] was not assessed anypenalties nor did she pay any finance charges on her account [redacted] hasnot disputed receiving the goods she contracted for or that she signed thecontractWe apologize for the inconvenience and aggravation this caused Mrs.Castillo and have since conducted a proper review with the agent to preventthis from happening in the future If Mrs.Castillo has any further concerns, we invite her to call and speak to theCustomer Service Manager [redacted] at [redacted] Tell us why here

*** [redacted] entered into a financing arrangement with Kirby II Auto Repair, Incand it is up to this retailer to offer the interest free rebate promotion within the first days, Duvera Financial does not have any ability to select the financing offerIn addition, a text message was sent to [redacted] 's mobile phone number which she provided to Kirby II Auto Repair, Incand the test message stated all of the terms of the financing which clearly indicated that there was not a day interest free promotion as part of the financing optionIn order for the contract to generate there is a digit text code that has to be provided to the Retailer and [redacted] has to click through to read the terms of the financing before she can get to the text codeIt was very clear before signing the agreement that there was not a day interest free promotionDuvera Financial cannot change the terms of the contract that she entered into with Kirby II Auto Repair however, she may go back to the retailer to discuss her issues to see what can be done about modifying the terms of her agreement to include the day interest rebate promotionPlease note that [redacted] may also pay off her account early at any time to avoid any future interest charges without any pre-payment penalties

Mr [redacted] entered into a business agreement with Duvera Financial as a direct broker inwhere he was selling Duvera Financial’s financing option directly tomerchants who were offering the sale of goods directly to consumers Mr [redacted] was directly involved witharranging in September for this merchant [redacted] dba ***sAppliances Sales and Repair to submit consumer applications and contracts toDuvera for review and purchase Thefirst contract sold to us by this merchant was Mr [redacted] ’s own obligation inthe first month the merchant was enrolled with Duvera Financial Please note, that Mr [redacted] also received acommission off this transaction, as well as the goods he financed which in thiscase was a washer and dryer Thismerchant and Mr [redacted] were suspended from using Duvera Financial in December2014.This obligation relates to a retail installment contract between Mr [redacted] and [redacted] dba***s Appliances Sales and Repair which was purchased by Duvera FinancialMr[redacted] signed a Retail Installment Contract (RIC) with [redacted] dba***s Appliances Sales and Repair on September 16, 2014, along with anApplication for Credit and an EFT Authorization FormIn order to generate thecontract a digit contract code was sent to Mr [redacted] ’s personal mobilephone with a link to all of the contract terms, which he confirmed receiving byproviding this code to the merchant In addition, prior to reviewing and signing the RIC, Mr [redacted] had to answersecurity questions which pertained only to his personal credit reportA copyof the contract and all relevant disclosures were emailed immediately uponsigning to [redacted] @gmail.com, the email address provided by Mr [redacted] as part of the application processTheRIC clearly sets forth the terms of Mr [redacted] ’s credit purchase anddiscloses, in accordance with Regulation Z under the federal Truth in LendingAct, a payment schedule of $per month for months, at an AnnualPercentage Rate of 189%The contract also included a day interest rebatepromotion offer, expiring on December 16, which Mr [redacted] did not takeadvantage of before the expiration dateRegarding Mr [redacted] ’s concern over the APR, California law expresslypermits the parties to agree to any finance charge, to be set forth in thecontractSee California CivCode § 1805.1, “The holder of the contractshall not charge, collect, or receive a finance charge which exceeds the dollaramount shown pursuant to subdivision (b) of Section [requiringdisclosure of finance charge under Regulation Z].” In November 2014, we spoke to Mr [redacted] at the phone number provided both to us on the applicationand on his complaint, at which time he indicated his intent to pay The account ultimately has gone into defaultand has since been transferred to our recovery department where now Mr [redacted] has asserted his ID was stolen and is claiming fraud, even though when we spokein November he never made a claim of fraudHowever, we take all claims of fraud very serious, and we followed ourprocedures by mailing out a fraud affidavit to Mr [redacted] As of to date, we have not received thenotarized fraud affidavit returned from Mr [redacted] for us to initiate ourinvestigation In summary, we believe this contract is a valid obligation and that Mr [redacted] ’s complaint and assertionthat this is a non-existent agreement is disingenuous at best, possibly in anattempt to remove valid information from data we submit to a major creditbureau If there areany additional questions or concerns, Mr [redacted] may reach out to the CustomerService Manager, [redacted] at [redacted] ext***

As indicated in our response to this complaint, we did athorough review of the credit reports in which we reported which was withTransUnion and Equifax and there is no trade line on [redacted] ’s creditreport relating to this account Werespectfully request that [redacted] provide us with a copy of the creditreport she is reviewing which shows we are still reporting this trade line onher credit profile This could simply bea timing issue from the report that [redacted] is reviewing We want to resolve this issue for [redacted] ,but in order to do so we would need to be provided with a copy of the reportshe is viewing, or we would request that she do a review of her report as oftoday to see if there is still an issue [redacted] is welcome to contact our offices and discuss this directlywith the Vice President of Operations, [redacted] at [redacted]

Our goal is to resolve all complaints to both parties satisfaction However, in this particular case our investigation finds no evidence of fraud or identity theft Mr [redacted] recently submitted a copy of a police report that he filed on January 26, even though the financing contract was opened on June 14, If the police are able to find additional supporting documentation to provide towards the investigation, we will be more than happy to re-open our investigation and review their findings As stated in our previous response, the account is marked as disputed and is being reported as such to the major credit reporting agencies If Mr [redacted] would like to continue to discuss this account, the findings from the investigation or to discuss a settlement he may reach out to our VP of Operations, [redacted] ***

Revdex.com Complaint ID: [redacted] This relates to a retail installment contract between Mr [redacted] and [redacted] , Incdba [redacted] #which was purchased by Duvera Financial dba EasyPay FinanceMr [redacted] signed a Retail Installment Contract (RIC) with [redacted] , Incdba Tuffy Auto Service Center #on December 9, 2016, along with an Application for Credit and an EFT Authorization FormIn order to generate the contract a 5-digit contract code was sent to Mr [redacted] ’s personal mobile phone with a link to all of the contract terms, which he confirmed receiving by providing this code to the merchantIn order to execute the contract, Mr [redacted] had to answer security questions which he completed through the DocuSign processA signed copy of the contract was immediately emailed to Mr [redacted] ’s email delonte [redacted] @gmail.com as provided on the Credit Application.The RIC clearly sets forth the terms of Mr [redacted] ’s credit purchase and discloses, in accordance with Regulation Z under the Federal Truth in Lending Act, a payment schedule of $per month for months, at an Annual Percentage Rate of 189%The contract also included 90-day interest rebate promotion offer, expiring on March 9, Mr [redacted] did not take advantage of this promotional offerRegarding Mr [redacted] ’s concern over the APR, Virginia law expressly permits the parties to agree to any finance charge, to be set forth in the contractSee VaCode § 6.2-311.A “Any seller of goods or services who extends credit under a closed-end installment credit plan or arrangement may impose finance charges at such rate or rates as may be agreed upon by the seller and the purchaser No additional finance charge shall be made for the extension of credit under such a plan or arrangement”.Mr [redacted] has not disputed receiving the goods he contracted for or that he signed the contract, and we do not believe that Mr [redacted] has a valid complaintHaving said that, we want all of our client’s customers to have a good experienceOn March 17, 2017, we reached out to Mr [redacted] on his mobile phone to discuss his complaint, and Mr [redacted] has not responded to our voicemailWe invite Mr [redacted] to contact or VP of Operations, [redacted] ***, at [redacted] ext [redacted] to work towards a resolution that would meet both parties’ satisfaction and resolve Mr [redacted] ’s complaint