Duvera Billing Services

Review: THIS COMPANY PLACED MY ACCOUNT AS HAVING FILES FOR CHAPTER 7 BANKRUPTCY EVEN THOUGH I HAVE NEVER FILED FOR BANKRUPTCY IN MY LIFE. THIS IS THEIR PLOY TO GET SOMETHING OUT OF ME SO THEY DAMAGE MY CREDIT AND FINANCIAL REPUTATIONDesired Settlement: CORRECT THAT LINE ON MY CREDIT PROFILE AND STOP LYING TO CREDIT BUREAUS.

Business

Response:

September 19, 2013

Revdex.com

4747 Viewridge Ave Suite 200

San Diego, CA 92123-4389

Attn: [redacted]

RE: [redacted]

This response is to a consumer complaint [redacted] regards [redacted]- [redacted]

[redacted], VA 20176

In reviewing Mr. [redacted]s complaint, he is requesting we review on how we are reporting to the credit

bureau on his account.

We have sent a deletion request to the credit reporting bureaus to have this trade line deleted

form Mr. [redacted]'s credit profile. I have attached a copy of this request for Mr. [redacted]'s records.

If you require further assistance, please do not hesitate to contact me.

Sincerely,

Directors of Billing Services

Duvera Financial

Consumer

Response:

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.

Since I have 2 accounts with this creditor, I want to make sure the correct trade line is deleted.

Regards,

Business

Response:

October 4, 2013

Revdex.com

4747 Viewridge Ave Suite 200

San Diego, CA 92123-4389

Attn: [redacted]

RE: [redacted]

This response is to a consumer complaint [redacted] regards [redacted]- [redacted]

[redacted], VA 20176.

In reviewing Mr. [redacted]s complaint, he is requesting we review on how we are reporting to the credit

bureau on his account.

We have sent a deletion request to the credit reporting bureaus to have this trade line deleted

form Mr. [redacted]'s credit profile. I have attached a copy of this request for Mr. [redacted]'s records.

Which account is he referring to? Please refer to the trade line deleted request form attached

to the original complaint.

If you require further assistance, please do not hesitate to contact me.

Sincerely,

Directors of Billing Services

Duvera Financia

Review: Dear Sir/Madam, how are you? My name is [redacted] and about 3 years ago I was unemployed and desperate to find work. So I got with a company Called Duvera Financial who promises people they will help you start your own home business and start making money. I was desperate so I decided to give Duvera Financial a try. I talked with a man called [redacted] who works with Duvera Financial and he told me that all I had to do was pay $600 and then when they help me to build my own home business and start making money then I can invest back in the company. I was desperate so I paid them the $600. They had me talked with one of their instructors twice during the month and both times we talked for less than an hour. The next month they tried to take money out of my Bank account again and I had to change my bank account number because they hadn't done anything to help me start my own home business and I hadn't made a penny from them. So within a 3 months and a couple of days after being with them and not making a single penny from them or them helping me start the home business they promise people to help them start, they sold my account to their collection agency called PALOMAR ASSOCIATES. Duvera Financial/PALOMAR ASSOCIATES claim that I owe them $5,000 after only being with Duvera Financial for about a month and them not helping me start the home business or me making a penny from them. Duvera Financial/Palomar Associates pretty much is trying to SCAM me out of money and there has been a lot of people that they have Scammed who has filed complaints against Duvera Financial/Palomar Associates. I don't intend to pay them a single dime cause they did not help me start my own home business and I did not make a single penny after a month of being with them. I was only with them for about 3 months and didn't make a single penny so how is it possible for me to owe them 6k. Duvera Financial is not Accredited by Revdex.com and they are not an accredited business. I can forward all emails from Duvera to you.Desired Settlement: I've seen a lot of people Duvera Financial/Palomar Associates try to Scam out of money filed cases with Revdex.com to stop the harassment by Duvera Financial/Palomar Associates. Duvera Financial/Palomar Associates are on my credit report and has caused some damage to my credit score. I will like to get some help in stopping them and getting them off my Credit Report because they want to Scam me out of money they did not earn and I don't owe. I got with Duvera Financial on 09/23/2010 Duvera#[redacted]

Business

Response:

This response is to a consumer complaint [redacted] in regards [redacted] -

Review: After looking for a way to get a bad credit home loan I was contacted by [redacted], a partner of Duvera Financial. Since I had read several claims on RipoffReport.com I had deduced that this company was nothing but a scam. I had been receiving calls on my cell phone from [redacted] regarding accounts for other people and whenever I call I either get disconnected or a voicemail inbox. If that inbox isn't full then I leave a message to which no one ever replies. I then wrote an e-mail to [redacted] of Duvera stating my issues and that I wanted all accounts closed yet he told me to contact [redacted] again. I went through the same circus of calling and never hearing back or being disconnected. I again emailed [redacted] and Cara Levens as well as called yet their voicemail is full. My account details state I will not be charged until June 30,2013 but they charged me and my husband on May 31, 2013. I also changed my bank account information and did not share this with them yet somehow they have obtained bank account numbers that they were not authorized by myself or my husband to have or use. They are using my private information to get to my money and I am very displeased and researching a method of legal recourse to put an end to this scam. I never received any service from them even though I was told I'd get a phone call and they've done nothing but take money with nothing to show for it. This is nothing but a scam against hard working people trying to clean up their financial pasts.Desired Settlement: I want my accounts cancelled with Duvera and [redacted] and I want my money returned to me without difficulty. My bank is already working on a claim to get the money they charged me returned but I want my account cancelled without any repercussions on my credit report or anything else. I never received a service and had requested the cancellation of accounts weeks ago. I do not want these companies to contact me or my husband again unless it's to confirm account cancellation.

Business

Response:

This is Duvera billing.

Unfortunately we cannot accept your request to cancel. You will need to contact

[redacted]. Auto debit has been turned off – Dispute

status sent to the reporting credit bureaus.

duvera charges crazy interest rates and its almost impossible to even pay! every single time I have tried to make an online payment I am left on a screen that doesn't allow me to log in! It has me change my password every single time and even after I do it, it still doesn't work! I have tried on multiple occasions to get in contact with them over the phone but they always have atleast 20 people waiting ahead of me. my total bill more than doubled over a 3 week period over late fees.

This place is such a scam they had financed us on a purchase of a dog and stated that there was no interest until 90 days on one of our payments they had tried to take money out of an account they shouldn’t have and said that we had defaulted on payments. They are now charging us 7$ a day and no for a payment that was only supposed to be $1500 we “owe” over $2000. When we had called to ask what happened the girl on the phone told us there was nothing she could do when we informed her we would rather just have it go to collections because we would pay less she laughed and said well it’s your credit and hung up on us….Really? I wouldn’t even recommend this company to my worst enemy.

Review: I took a loan from Duvera Financial for a surgery I had done through Body Cosmetica. I took out this loan in February of 2012. My loan amount was for $6,000.00. My loan payments were to be $222.80 monthly, including interest for 4years(48 months) ending in February of 2016. In 2014, I received notification from Duvera Financial that they were illegally charging to much interest and that to law they had to credit my account almost $900.00. On several occasions I have contacted Duvera, including when I first received the letter and asked if my payments would be lowered or end earlier now that close to a thousand dollars has come off my interests amounts. I've been told a supervisor will get back to me about this and it never happens. In the last couple of months every time I call I get told that someone is going to get a supervisor on the line and then I'm hung up on or after to telling the initial person my complaint they disconnect me. A couple of weeks ago I contacted my bank and had the last payment reversed and Duvera blocked from debiting my account. If I continue to pay them the same amount for the same amount of time, then they are still illegally charging me the original amount and interest. My payments should have been lowered or ended earlier. Since they have charged me the same amount monthly and not made any adjustments and per the amount of interest owed to me, I should be done paying them.Desired Settlement: That Duvera Financial adjust their records and end this contract because I should be done paying them based off the credit in interest that were legally supposed to credit to me. They need to rightfully contact me and have this issue resolved.

Business

Response:

This relates to a retail installment contract between Ms.

[redacted] and Cosmetica Payment Plus which was purchased by Duvera Financial. Ms.

[redacted] signed a Retail Installment Contract (RIC) with Cosmetica Payment Plus on

January 29, 2013, a[redacted] with an Application for Credit and an EFT Authorization

Form. The RIC clearly sets forth the terms of Ms. [redacted]’s credit purchase and

discloses, in accordance with Regulation Z under the federal Truth in Lending

Act, a payment schedule of $222.80 per month for 48 months, at an Annual

Percentage Rate of 26.99%. As Ms. [redacted]

indicated in her complaint initially, the NY AG took the position that the RICs

were subject to New York interest limits pertaining to loans, despite the fact

that the New York Court of Appeals has explicitly recognized that, under New

York law, credit sales and loans are distinct forms of credit governed by

distinct legal rules. Then, the NY AG asserted that Duvera Financial should

have been licensed under New York law despite the fact that Duvera has no

office or physical presence in New York and despite the fact that the

applicable licensing law, N.Y. Banking Law § 492, only extends to sales finance

companies such as Duvera that engage in business "in" New York. Duvera Financial did not admit any violation

of law in connection with the AOD and, indeed, we believes that our conduct was

lawful at all times. However, in order to avoid the distraction, cost and risk

of litigation, we decided to enter into the Assurance of Discontinuance

(AOD). In the AOD, Duvera agreed to

discontinue purchasing New York retail installment contracts without a license

and to refund all finance charges in excess of a 16% annual rate. On April 30, 2014 after we received approval

from the NY AG’s office a principal credit in the amount of $829.71 was posted

to Ms. [redacted]’s account to adjust for the excess interest she had paid up to the

date the order was issued. Her interest

rate was lowered to 16% effective April 30, 2014. Ms. [redacted] has continued to pay her contractual

amount of $222.80, and effectively has reduced her original term from 48

payments to 37 due to the decrease in her overall APR. Ms. [redacted] has been

contacted and the terms of her financing have been explained to her and that

with the reduction in her rate coupled with her continuing to make her payment

at the original has reduced her term. Ms. [redacted] has not disputed receiving the

services she contracted for, in short we do not believe that Ms. [redacted] has a

justified complaint. We mailed Ms. [redacted] a schedule of her payments to indicate

when her last payment will be due. If Ms. [redacted] has any questions about her

contract she may contact [redacted], Customer Service Manager at [redacted].

Review: Someone found this and thought it seemed suspicious so they aborted their app and asked me, and I went and verified it myself...

The web site easypayfinance.net (Duvera Financial) which is doing tire loans for [redacted], on their app is REQUIRING people to disclose bank name, routing number, and account number. As well as SSN, address, etc.

This does not seem legal as that is ALL that would be needed for them to gain direct access to someone's bank account.

I did not think that they could legally require you to disclose the very information that has been compromised so many times lately by companies with much better security than they! Many banks are flat telling people to NEVER give that out unless to a trusted business relationship (direct deposit/etc).

They are requiring this data collected BEFORE they will process the app, no guarantees they will destroy the data correctly on an account the do not even approve.

Would seem different if it was on approval and they required a direct payment. But they are not even processing the app without the full disclosure.Desired Settlement: They need to change their policy to prove protection of the consumer. If they want account information on an APPROVED account, that would be different. But data mining on everyone who applies is not acceptable in this current environment of constant data breaches.

Business

Response:

Revdex.com Complaint ID [redacted] Dr.[redacted], CA [redacted] We appreciate the concerns expressed by Mr. [redacted] and take data security very seriously. The data requested upon application is all necessary in the determination of the approval. Our systems are fully tested and secure, using everything from encryption to tokenization of key banking information. Further, we are fully licensed in every state in which we do business.

Review: I financed items from Duvera Financial in September of 2014. I was on a 90 same as cash option. So If paid the principal balance off in 90 I would only owe 506.32 which is what I financed. I paid the balance off in 90 and I just recently found out on March 28, 2015 that the 506.32 balance is still being reported on my credit as owing Duvera a balance of 527.00. On January 20, 2015 I opened up a another account with Duvera with a 500.00 balance so far I have paid 200.00 for that account and Duvera is still reporting that I owe the whole balance of 500.00.Desired Settlement: I really worked hard to be a good customer,build up my credit and payoff my accounts on time. I do not think it is fair for Duvera Financial to leave a balance on my credit that I have already paid off. To resolve this matter I would like Duvera to remove the balance off the account [redacted] which has been paid off since December 2014.

Business

Response:

Thank you for allowing us the opportunity to respond to thiscomplaint and address the concerns outlined by [redacted]. We reviewed the complaint filed by [redacted]and we were able to identify that there was an issue regarding the update tohis credit report to reflect the proper balances of his paid in full account[redacted] and his existing open account [redacted]. We reached out to the credit bureaus toaddress this error and have since corrected and updated the reporting on bothaccounts. We have attempted to reach outto [redacted] to give him this update, but have been unsuccessful in reachinghim. If he has any additional questionsregarding this issue he can reach the Customer Service Supervisor, [redacted],at [redacted] ext. [redacted].

Review: I just noticed a hard inquiry on my credit report from Duvera Financial. I never applied for any services from this company, and I am certain they do not have any contract, nor any other form of communication constituting a contract, with my handwritten signature. Also, I have discovered that they are a junk debt buyer; never stated which account they were looking to collect on. As far as I can tell, they are not a current creditor on my credit file.

Pinto v. Pacific states "The Fair and Accurate Credit Transactions Act of 2003 made clear that debt collection was a permissible purpose for obtaining a credit report under Section 1681b(a)(3)(A) only in connection with a "credit transaction" in which a consumer had participated directly and voluntarily."

This inquiry was NOT the result of a direct and/or voluntary credit action.Desired Settlement: Duvera needs to delete their hard inquiry from my credit report, and I need to be forwarded a current copy of my credit report with this item deleted, or I will be forced to file criminal charges per the FDCPA.

Business

Response:

December 16, 2013

Revdex.com

4747 Viewridge Ave Suite 200

[redacted] Diego, CA 92123-4389

Attn: [redacted]

RE: [redacted]

This response is to a consumer complaint [redacted] in regards to [redacted]- [redacted] Blvd [redacted], CA 91344

In reviewing this complaint, Mr. [redacted] claims he does not remember applying for credit and requests that the inquiry be removed. This complaint was provided to our Credit Manager. Please review his response below.

Based on. the information included in the Revdex.com complaint, we show that an application for new credit was submitted on Mr. [redacted]'s behalf on or about July 3, 2013. No new credit was opened with Duvera. The application (App #[redacted]) was submitted electronically by United Medical Credit, Inc.[redacted] Suite [redacted] CA 92660 [redacted] If the consumer wishes to dispute the inquiry and request removal, there are specific protocols required and he will need to contact us directly

[redacted]-Credit Manager

Duvera Financial

1910 Palomar Point Way, suite 101

Carlsbad, CA 92008

If you require further assistance, please do not hesitate to contact me.

Sincerely,

Directors of Billing Services

Duvera Financial/ Palomar Associates

Consumer

Response:

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.

1. I did not apply for medical credit with your company, but with United Medical Credit, as stated in your response;

2. Not only were you NOT the entity through whom I applied for said medical credit, but a recent review of my updated credit report now lists only ONE inquiry from you, with the permissible purpose of "Debt Collection"!

Please tell me how this makes any sense! This is inaccurate information and needs to be deleted from my credit file immediately.

Regards,

Business

Response:

There was an application for credit (presented through

United Medical Credit).

Review: I reached out to Duvera Financial to make payment arrangements on my loan after loosing my job. When I called into their office I was told by a representative (whos name was never released to me) that my file had been sent to an attorney and that I needed to make a payment immediately. When I asked who managed my account, I was told the representatives name is [redacted], but that he wasn't in the office. I left a message, followed up by an email to [redacted]. The next day I receieved a call from [redacted] and I was told that my file was never sent to an attorney and that he wanted to work with me.

Shortly after speaking with [redacted] and making a good faith payment I realized at that rate I would never get caught up. I asked if my file could be reviewed for further arrangements. I was eventualy told there were no options and that I would need to continue making good faith payments if I wanted to prevent further action. I told [redacted] that I had no issues doing that, but wanted something more steady to get the account balance down. I had asked to with a manager and was told I would receive a call back. After nearly 2-3 weeks I never received a call back. I followed up with [redacted] and he said his wasn't sure why his manager hadn't called, which later turned into his manager not wanting to speak with me.

When I asked for a copy of my contract I was immediately sent to their onsite collections attorney. After learning that I had been sent to the attorney even though I wanted to resolve my account and asked for a call from a manager, I demanded to speak with [redacted]. When speaking with the [redacted] he initially seemed open to hearing me out and working with me. But, instead he became hostile and told me I have "no rights" and that they are going to verify my assets and take my money. He stated that I need to pay the balance in full because the creditor wanted their money. He further stated they are not there to work with me and they don't care about 'that', they just want their money and that [redacted] sold my loan to a 3rd party. A 3rd party that he could not and would not disclose their name because they didn't want their identity known. He continued to bash me and advise me I have no rights. I eventually decided to terminated the call.

There were number of times they violated the FDCPA:

1. Communication in connection with debt collection

2. False or misleading representations

3. Harassment or abuseDesired Settlement: I would like for my account to have all collection cost waived and I would like to find a payment arrangement, so that I may resolve my account.

Business

Response:

October 28, 2013

Revdex.com

4747 Viewridge Ave Suite 200

San Diego, CA 92123-4389

Attn: [redacted]

RE: [redacted]

This response is to a consumer complaint 9772589 in regards to [redacted]- [redacted] Dr. [redacted], CA [redacted]

In reviewing this complaint, Ms [redacted] claims violations of FDCPA and that she is requesting collections costs be waived and that she would like to find a payment arrangement suitable to meet her financial needs.

Concerning her claim of violation of the FDCP A, since there are no examples as to this part of her complaint so there can be no immediate response to this accusation. We have sent Ms [redacted] a copy of her contract and pay histories which will answer all her questions concerning original ownership of this account. At this time Duvera will cease all contact with Ms [redacted]. For all future concerns/questions, Duvera asks Ms [redacted] that she put them in writing and address them to our PO BOX. That address is as follows: Duvera Financial PO box [redacted], CA [redacted]. Upon receipt of her contact, Duvera would like to direct Ms [redacted] to Page 1 and 2 of her contract - Letter (J) Default Remedies - as to rights/conditions now in effect since this loan has now been considered in default.

If you require further assistance, please do not hesitate to contact me.

Sincerely,

Director of Billing Services

Duvera Financial/ Palomar Associates

Review: On October 19, 2013 I paid $ 2918.09 to Duvera Financial. The salesman from this company was a telemarketer selling a course on ebay and dropshipping consulting. He said that I would be able to earn anywhere from a few hundred to several thousand dollars per month by listing expensive items on my ebay account. So I followed the advice of this company for 1 month, but nobody made any offers for the products I listed. Naturally I feel that the telemarketer who sold this business opportunity to me completely misrepresented the resulting success rate of the courses they teach, and if I had been properly informed of the risk I was taking before making my purchase, I would not have signed up with this company.

According to the FTC's guidelines a telemarketer that is making an earnings claim, such as the one stated above, must provide the prospective buyer a separate document that says across the top EARNINGS CLAIM STATEMENT REQUIRED BY LAW. Additionally any company selling a business opportunity, as the one I purchased from Duvera Financial, is required to provide a Disclosure Document at least 7 days prior to the date of the purchase. I never once received these 2 documents.Desired Settlement: I am requesting a full refund of $ 2918.09.

Business

Response:

Duvera Financial was a third party servicing company on behalf of New Beginnings Education. On July 18, 2013, Ms. [redacted] entered into a financing agreement with New Beginnings Education for services relating to Internet Marketing. As a third party servicing company all monies collected by Duvera Financial on behalf of New Beginnings Education were remitted directly to our client at the beginning of each month for cash received in the previous month. Duvera Financial does not have any funds belonging to Ms. [redacted] as outlined in the complaint. Effective September 2014, Duvera Financial made the business decision to no longer provide third party servicing for New Beginnings Education, and as of December 31, 2014 the accounts for this client, were transferred back to the owner on record, [redacted] at New Beginngings Education. The email address we have on file for this entity is [redacted] and the telephone number is [redacted]. We also show a mailing address of [redacted]. We would recommend that Ms. [redacted] reach out directly to New Beginnings Education to address her grievances with them relating to the services she purchased. Please note the issues outlined in the complaint filed by Ms. [redacted] related to the services provided by our former client are unrelated to any services provided by Duvera Financial.

Consumer

Response:

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.

Hi [redacted],

These people are the rudest most unprofessional people I have ever worked with their interest rates are insane (113%) which is about 7.60$ a day and they do nothing to help you. I had to call them 7 times in one day to try and get someone who was actually competent and knew what they were doing. I cant even believe the amount of unprofessional people that work there I will never again trust a financial institution. I will continue to post my story every where so nobody else gets hurt by these people.

Review: went to get my car fixed about 7 mos ago at midas. they got me approved for a loan of 500.00. I had the work done on my truck.

never saw the contract on terms and conditions from duvera. they

were taking about 98.00 from my checking account monthly. I paid them a total of 588.00. thought I was done with loan. called representative

and was told I still owed about 300.00 and the interest was 199%. I told her that I never received any paperwork from them and that I would not have anymore money taken out of account. she told me

she would delete my information. since then I have been getting a

statement weekly and calls from them to pay the amount and they are adding about 4.00 more each month I do not pay. this was not the only time I spoke to a representative in the past. the first time

I spoke to one he said I would have the loan paid in 6 months but never mentioned the interest with me. he said he would send me information on my loan regarding contract but never received anything.

Consumer

Response:

ok. I just want to know if duvera financial is at fault for not providing information regarding the terms ofthe loan. if there have been other cases like myself where this company has done this before? I feel that

Review: Duvera Financial has placed a collections on my credit report and I have not had any debt with them since April 1st, 2011. I have not received any bills for 4 Years since being paid off. I called and talked with [redacted] from Duvera and she said that all of a sudden there were 2 debts and I only had one not 2. Amand said one was paid off and the other was transferred to the universal group for collections. I called and talked to billing at Universal and they have no record of any debt with them in my name pertaining to a company called stores online for which duvera was the finance company. They say that they won't give me a letter to state this so I am wondering what my recourse is as they just keep running me in circles between the 2 companies.Desired Settlement: Correction to a credit report

Business

Response:

Duvera Financial was a former third party servicingcompany and in some cases, also a purchaser of bad debt. Mr. [redacted] enteredinto a Retail Installment Contract (RIC) with Stores Online, Inc. in February2009. The account, identified as[redacted], went into default and was transferred back to Stores Online inDecember 2009 to be placed with an outside collection agency of theirchoice. In August 2010, Duvera Financialpurchased a portfolio of bad debt from Stores Online, Inc., which included theprevious defaulted account belonging to Mr. [redacted]. A new account number, [redacted], was assignedto this account and Mr. [redacted] made settlement arrangements relating to thisaccount in March 2011 and the trade line relating to [redacted] was removed fromMr. [redacted]’s credit profile. During our investigationof this matter we were able to confirm that a trade line relating to theoriginal performing account, ID # [redacted] was still reporting to Mr. [redacted]’scredit profile. On August 5, 2015 DuveraFinancial submitted a deletion to the credit bureaus to have this accountremoved from Mr. [redacted]’s credit profile. We have communicated this action to Mr. [redacted] and we believe we havesatisfied Mr. [redacted]’s concern with this resolution. If there are any further issue regarding thismatter Mr. [redacted] may reach out to the Customer Service Manager, [redacted] at[redacted] ext. [redacted]. We believethis complaint to be resolved to both parties satisfaction.

Review: The Nature of my complaint involves many more reasons versus choosing only one out of the complaints menu. It is as hard as going to a restaurant that serves 40 entrées.

"An advertisement that failed to disclose all conditions required to take advantage of an offer."

Entering an establishment and seeking services is never the essence of my disappointment. Neither the amount charged by [redacted] dba [redacted] is absurd or unethical at all. I was charged $369.13 for an exhaust work plus an oil change plus labor. Very reasonable and I am happy with the labor and final results every time I drive my vehicle.

At their main entrance, there is a sign that advertises [redacted] Finance, which is appealing to every customer unless they are aware that Duvera will be the scheme artists acting on the back stage.

The loan application is conducted by a hard working MECHANIC, that clearly has no idea about what he is selling to the customer in terms of APRs, longevity of the loan, it's maturity, due dates, etc. During the loan application process, the customer is required to provide account number, routing number, social security number, name, address which is very strange,concerning it is a simple credit application. I bought 2 brand new cars and I never had to provide routing numbers or account numbers in order to be approved for a much higher amount to be financed at 0.9% APR.

The mechanic then spends 5 minutes typing up customer's personal information and asks customers to give him a code that is sent to customers phone via text message. I find it strange that the main focus of the interaction is to plug in the code versus presenting terms and conditions of the loan in writing, providing the customer with the chance to make a proper decision on either declining or moving forward with the transaction.

A few days after I accessed duveras website to check on my bill and realized 189% APR?

Check 138.09(8) (a) plus 112 complaints plus rated F on Revdex.com?continuedDesired Settlement: I am aware that Duvera is presenting in their defense against hard working Americans a small little paragraph and referring to 421.201 (2) (BN) and Regulation Z to justify their unethical, shady and exploratory practices. But there is more to the law then one single paragraph. Referring to 138.09 (8) (a), and hearing from Duvera's supervisor named [redacted] that every manager from every establishment they work with is fully trained to provide customers with clarity and options and APRs, I spoke to Kero Venturas LLC dba [redacted]'s owner and he has never received any training, neither is he aware of any of the terms and conditions of loan service he is selling to customers. Surprising? Customer service at Duvera also informed the owner that the 189% APR on $369.13 was generated due to customers bad credit. I just financed 2 brand new Hondas at 0.9% APR. is my credit bad? Really? Surprised they hang up on you when they realize they are cornered by an educated customer?

Ethical!

Business

Response:

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 Form. A 5 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 merchant. The 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 12 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 90 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 contract. SeeWashington 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 Rev. Code Wash. § 63.14.040(1)(h)." [redacted]has not disputed receiving the goods he contracted for or that he signed thecontract. In short, we do not believe that [redacted] has a justifiedcomplaint. Having said that, we want all of our client's customers to have agood experience. We have offered the 90 day Interest Rebate Promotion to [redacted]and he accepted. Should [redacted] have any questions he can contact theCustomer Service Manager [redacted] 866 438 8372, ext. [redacted].

Review: IN JUNE 2013 WE SIGNED A CONTRACT FOR ACCESS TO A WEB SITE FOR PREMIER RESORTS/GLOBAL ADVENTURES. IN THAT CONTRACT THERE WAS A CLAUSE THAT WE COULD CANCEL

AT ANYTIME WITH NOTICE TO DURVERA FINANCIAL. SINCE WE DECIDED WE DID NOT WANT TO USE THE SITE WE CALLED TO CANCEL AND WE WERE TOLD THAT WE HAD TO GET P.R./G.A. TO NOTIFY THEM. SINCE WE COULD GET NO RESPONSE FROM THEM(P.R./G.A) WE AGAIN CONTACTED DURVERA VIA REGISTERED MAIL SENT TO [redacted], HAD NO RESPONSE FROM HIM. WE HAVE CALLED SEVERAL TIMES AND EMAILED SEVERAL TIMES WITH NO RESPONSE. DUVERA HAS TURNED US INTO A COLLECTION AGENCY SINCE WE REFUSE TO PAY THE MONTHLY FEE. OUR CONTRACT WAS FOR 1 YEAR BUT THEY ARE BILLING US FOR 5 YEARS. WE HAVE CONTINUED TRYING TO CANCEL THIS CONTRACT BUT HAVE HAD NO LUCK. WE ARE WILLING TO PAY UP TO 3 MONTHS OF PAYMENTS SINCE WE DID USE THE SITE FOR A COUPLE OF MONTHS BUT NOT FOR 5 YEARS.Desired Settlement: AS STATED WE ARE WILLING TO PAY 3 MONTHS SERVICE FEE SINCE WE DID USE THE SITE FOR A COUPLE OF MONTHS.

Business

Response:

March 14, 2014

Revdex.com

4747 Viewridge Ave Suite 200

San Diego, CA 92123-4389

Attn: [redacted]

RE: [redacted]

This response is to a consumer complaint [redacted] in regards [redacted] - [redacted] s [redacted] AZ [redacted]

In reviewing this complaint, Mr. [redacted] is requesting just to pay 3 months fees.

Duvera is just the billing service company selected by Global Adventures to service their customers. That is are only affiliation with Global. This account was never sent our collection division. Mr. [redacted] was made aware that Duvera does have the authority to cancel an account without the approval of Global Adventures. As of February 28, 2014 this account was canceled by Global Adventures. There will be no further billing activity by Duvera. There have been no payments received on this account. An account deletion request will be sent to the credit bureaus the next time we are a scheduled to report.

If you require further assistance, please do not hesitate to contact me.

Sincerely,

Directors of Billing Services

Duvera financial

866-438-8372

Review: I purchased a t.v. from Furniture Mecca @ 501 South 69th Street Upper Darby, Pa [redacted] and Duvera Finance is where payments are made. I called several times to request a couple more days to pay off the balance of $205.34 I requested the extra time because I fractured my ankle and was unable to work for a couple of weeks my payment was due on the 5th but I only needed two days so I was told to email the manager [redacted] and basically the return email wasn't making sense because I was asking him about a grace period all companies have grace period even mortgage companies. I just wanted to pay off the balance on the 7th of Feb. I think that should've been granted.Desired Settlement: I would just like to be able to just pay off the balance and the payments that they are continuing debit out of my account I would like it refunded back to me

Business

Response:

February 16, 2014

Revdex.com

4747 Viewridge Ave Suite 200

San Diego, CA 92123-4389

Attn: [redacted]

RE: [redacted]

This response is to a consumer complaint 9919677 in regards [redacted] - [redacted] Road Upper Darby, PA [redacted]

In reviewing this complaint, Ms. [redacted] is requesting re reinstated into the same as cash option per her contract,

An attached copy of the contract is enclosed I have highlighted page 2 (90 days same as option) Including Ms [redacted] initials confirming she read and understood this part of the contract. There is NO grace periods allowed per this contract concerning the payment period during this option

If you require further assistance, please do not hesitate to contact me.

Sincerely,

Directors ofBilling Services

Duvera Financial

Consumer

Response:

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'm not accepting DuVera reasons for not accommadating my request for a couple more days to pay off my item due to me having a fractured ankle and just needed to have a couple more days to pay in full.

Review: Palomar Associates PO Box 2549, CA. 92008 Ph.#866-711-4700 which is a collection company for the businesses listed: [redacted], [redacted], [redacted] Inc., [redacted] Inc., Yes International, Duvera Financial, Duvera Billing Services LLC, which are of these are part of a internet money making Scam!! I just receive a collection letter for $3,139.03 for services that I have not received fully! I was under the impression that all services were cancelled back in March 2013. I received cancellation email notices. These companies have $946.00 of my money yet, which I have not asked for this amount to be refunded. Palomar Associates are now trying to collect an additional $3,139.03 for services I have not received. On September 10th, 2013 I tried calling Palomar Associates to attempt to clear up this matter. I spoke with [redacted] he told me he was taping the conversation & told him that I was as well and he hung up on me. In this letter it also stated that if I didn’t contact this office within the allotted time, that Palomar Associates may perform an asset search & prepare for my file for a recommendation of involuntary collection to their client. On September 11th, 2013 Sent a certified letter to Palomar Associates for cease & desist communication.Desired Settlement: The debt be forgiven. They can keep the $946.00 for the "partial service" received from January 23rd - March 1st, 2013 of which I have paid. I do however request that any further collections, or attempts to collect for the service(s) stop. I do not want this to affect my credit in any way, or liens, garnish, etc..I also would like a letter from Palomar stating that account has been closed, and balance is $0

Business

Response:

September 18, 2013

Revdex.com

4747 Viewridge Ave Suite 200

San Diego, CA 92123-4389

Attn: [redacted]

RE: [redacted]

This response is to a consumer complaint [redacted] in regards [redacted]- PO box [redacted]

[redacted], MN [redacted]

In reviewing Ms [redacted] complaint, he is requesting that this account reflect the account be forgiven

for monies already paid and to remove from the credit bureau

As of this complaint we have not received the cease and desist letter stated in the consumer's

complaint. I will attach a copy of the consumer's contract and pay history for her review.

Palomar Associates will honors Ms [redacted] request for no further contact. I suggest Ms. [redacted]

contact Yes International ([redacted]) to request her accounts cancellation. Palomar has no

authority to honor that request. Palomar will continue to report to the credit bureaus MS.

[redacted] delinquent account unless otherwise requested by Yes International not to. Duvera

will change the status of our credit bureau reporting on this account to "In Dispute" the next

time we report. Palomar will suspend any asset searches again unless requested by Yes

International to proceed.

If you require further assistance, please do not hesitate to contact me.

Sincerely,

Directors of Billing Services

Duvera Financial

Consumer

Response:

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.

September 25th, 2013

Review: I took a loan with duvera financial last year which they had a different name back then, my loan was same as cash for a year and the year was going to be up on june 15-2013 so I had $830 left to pay off, I was waiting on a credit card to come in the mail to pay this off. So I called tha company about a week befor the end of the term and requested a few days just so I can pay off same as cash. The girl who answered the phone was completely rude with me and told me " lady you had a year to pay this off, they are not gonna give you more time" anyways I requested to talk to the supervisor and they put me thru Mr. Victor's voice mail. I literally left messages every single day, sometimes twice a day asking him for a call back to talk to him about my account. Finaly I called one more time and was able to talk to this person Victor. He was so rude and said there was nothing he could do, the day was not there yet but my credit card company said probably till the 19th will I get the card so I plead with him to give me till then it was 4day, well acctually 2 days because since the 15th was a saturday they could not take my payment out till monday the 17th. This guy was so rude plain rude. I told him I would pay that in full in two days and he was like "no there is nothing I can do I will not give you any more time" so I asked to talk to his supervisor but aparentely he is the supervisor and he laughed and said, "am it, this is all you have to talk to and I will not help you" All I was asking was to give me 48hrs and I would have pay everything in full. It is not a riduculouse amount of time I needed. The worse part is that he was rude and even laughed at me. I have sopped the payments on this account. I just want to pay it off the way I was supposed to not get charged for riduculouse amount on interest because he fail to call me for over a week so that I could explain my situation and fix this problem.Desired Settlement: I want to pay the amount I owed before tha one year same as cash was up. I do have that amount and can pay at any time.

Business

Response:

This response is to a consumer complaint [redacted] in regards [redacted]-

In reviewing Ms. [redacted] complaint, that her same as cash payoff be accepted even if it's past the

term per the contact.

I am afraid her same as cash offer expired on June 15th 2013. (see attachment). Ms. [redacted]

was given an extension through June 17th. Since no payment was made her offered expired.

A bearer of bad news one can always be categorized as being rude when the ruling does not favor the

complainant. The terms of the contract are plain and one would assume easily understandable. As the

person who often is the provider of bad news, I understand her frustration but my job is to uphold

the terms of the contract.

Per her claim that I did not respond to her attempts to reach me I had my supervisor reach out to

her with what we could do for her.

If you require further assistance, please do not hesitate .to contact me.

Sincerely,

Directors of Billing Services

Duvera Financial

Consumer

Response:

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 rrad your response Mr. [redacted] and was surprised to know that you in fact have a supervisor. When I talked to you and asked you to please let me speak with your supervisor your response was " I am it, this is all you get". So knowing this information I would love to have his name and and a contact number so that I can speak personaly with him regarding this matter. You were either lying to me when I talked to you a few months ago or you are lying now in regards of having a supervisor, you need to get your story straight. Again please provide me with the info I have requested so that I can get in comunication with him/her, thank you

Regards,

Business

Response:

I am the director for billing and collections here at Duvera

financial. The supervisor I refereed to is the supervisor under me. Her name is

[redacted] and I believe you have spoken to her previously. Sorry about the confusion.

Review: We bought a puppy from the [redacted] and financed the puppy through Duvera Financial. When we signed the contract we were guaranteed 90 days of interest free and that the first payment would not go through until the 20th. The first payment went through early and 189% interest is already being applied to the account. We have called every day only to be put on hold for hours at a time and then been required to leave a voicemail in which they never return our phone calls. We tried to change the card on file several times and it never processes and they refuse to let us pay the dog off because the interest has already started despite the fact it has not even been 30 days yet. They never call back and they have completely destroyed my credit.Desired Settlement: We want to be able to pay the dog off using the card we want to use with no interest like we were guaranteed and we would like to be able to actually get ahold of someone. Also if the payment that is to hit my account tomorrow gets charged on the wrong card, I would like them to refund me the money plus the fines that will come when the charge is rejected because that account is closed.

Business

Response:

This relates to a retail installment contract between [redacted] and [redacted] which waspurchased by Duvera Financial. [redacted] signed a Retail Installment Contract (RIC) with [redacted] on March20, 2015, along with an Application for Credit and an EFT AuthorizationForm. A 5 digit contract code was sent to [redacted] personal mobile phonewith a link to all her contract terms, which she confirmed receiving byproviding this code to the merchant. The RIC clearly sets forth the terms of Ms.Poole’s credit and discloses, in accordance with Regulation Z under the federalTruth in Lending Act, a payment schedule of $95.21 per month for 12 months, at an AnnualPercentage Rate of 189%. As confirmed by [redacted] the contract also included a90 day interest free promotion offer, expiring on June 20, 2015. In addition, she signed theaddendum for the 90 day interest free promotion which clearly outlined theterms of the promotion; “Interest charges begin accruing from the ContractDate, and will be rebated to Buyer if all of the following are true during thepromotional period: (1) The total Amount Financed plus other items to befinanced (if applicable) listed in this Installment Contract is paid in full,(2) Buyer makes all timely payments, and (3) no payments made by Buyer arereturned.” [redacted] madea payment of $95.21 through the EasyPay Website on April 19, 2015. As outlined in the addendum for the 90 daypromotion, interest paid is rebated to the buyer if they elect to take advantageof their promotion. On April 20, 215Mrs. Poole contacted our office and authorized a payment of $404.79 to be takenvia debit card. [redacted] did take advantage of the 90 day promotion byrepaying the financed amount of $500.00 within the 90 day interest freepromotional period. In short, we do not believe that [redacted] has ajustified complaint as she was not charged nor did she pay any finance charges.If Mrs. Poole has further questions about these transactions she may contactthe Jason Long, the Customer Service Manager directly at (866)438-8372, ext.1200. Tell us why here...