Duvera Billing Services

This relates to a retail installment contract between Ms [redacted] and [redacted] , Incdba The Pet Store which was purchased by Duvera Financial dba EasyPay FinanceMs [redacted] signed a Retail Installment Contract (RIC) with [redacted] , Incdba The Pet Store on March 2, 2016, along with an Application for Credit and an EFT Authorization FormThe 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 $per month for months, at an Annual Percentage Rate of 96%As confirmed by Ms [redacted] the contract also includes a 90-day interest rebate promotion offer, expiring on June 2, In addition, she signed the addendum for the 90-day interest rebate promotion which clearly outlined the terms of the promotion; “This Installment Contract offers an Interest Rebate PromotionAll interest paid less a Rebate Processing Fee equal to the lesser of $or the finance charges incurred as of the payoff date will be rebated to Buyer if, during the promotional period, Buyer makes all monthly payments on a timely basis with no returned payments, and Buyer pays in full the Amount Financed plus the applicable Rebate Processing Fee.” On April 14, Ms [redacted] made an online payment in the amount of $500.00, which was to be applied towards her amount financedWe attempted to process this payment and it was returned by our merchant processor with a status of declinedThis automatically disqualified Ms [redacted] from the interest rebate promotionOn April 16, we spoke to Ms [redacted] in regards to the returned payment, and she stated the reason the card was declined was due to fraud on the accountWe asked during this call for her to provide documentation from the bank that showed there were sufficient funds available in the account to cover the payment and it was returned due to fraud, and then we would honor the interest rebate promotionWe spoke to Ms [redacted] again on April 18, indicating we would honor the promotion once we were able to confirm through bank documentation the funds were availableLastly, on April 25, we spoke to Ms [redacted] who filed this complaint with the Revdex.com on Ms [redacted] ’s behalf and indicated what we would need in order to honor the interest rebate promotionTo date, we have not received the requested documentationWe are happy to override the disqualification for the promotion once we have received the proper documentation, which we believe would resolve the customer’s complaintAs stated during all of the calls, they can send the documentation to [redacted] If there are any additional questions, Ms [redacted] may contact the VP of Operations, [redacted] ***, at [redacted] ***

Duvera Financial was a former third party servicingcompany and in some cases, also a purchaser of bad debtMr [redacted] enteredinto a Retail Installment Contract (RIC) with Stores Online, Incin February The account, identified as [redacted] , went into default and was transferred back to Stores Online inDecember 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 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, DuveraFinancial submitted a deletion to the credit bureaus to have this accountremoved from Mr [redacted] ’s credit profileWe 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*** We believethis complaint to be resolved to both parties satisfaction

This relates to a retail installment contract between Ms [redacted] and Your Furniture Now, LLC dba Steal a Sofa which was purchased by Duvera Financial Ms [redacted] signed a Retail Installment Contract (RIC) with Your Furniture Now, LLC dba Steal a Sofa on September 8, 2014, along with an Application for Credit and an EFT Authorization Form A digit contract code was sent to Mrs***’s personal mobile phone with a link to all her contract terms, which she confirmed receiving by providing this code to the merchantThe RIC clearly sets forth the terms of Mrs***’s credit 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% As confirmed by Mrs [redacted] the contract also included a day interest rebate promotion offer, expiring on December 8, In addition, she signed the addendum for the day interest free promotion which clearly outlined the terms of the promotion; “Interest charges begin accruing from the Contract Date, and will be rebated to Buyer if all of the following are true during the promotional period: (1) The total Amount Financed plus other items to be financed (if applicable) listed in this Installment Contract is paid in full, (2) Buyer makes all timely payments, and (3) no payments made by Buyer are returned.” Mrs [redacted] was disqualified from the promotional offer when her November payment was returned for insufficient funds Regarding Mrs***’s concern over the APR, California law expressly permits the parties to agree to any finance charge, to be set forth in the contractSee CalCivCode § “The holder of the contract shall not charge, collect, or receive a finance charge which exceeds the dollar amount shown pursuant to subdivision (b) of Section [requiring disclosure of finance charge under Regulation Z]” Ms [redacted] has not disputed receiving the goods she contracted for or that she signed the contract In short, we do not believe that Ms [redacted] has a justified complaintHaving said that, we want all of our client's customers to have a good experienceWe have tried to contact Ms [redacted] multiple times in an effort to resolve her complaint and have been unsuccessful in reaching her Ms [redacted] has put a stop payment on her most recent transaction and it is important that we resolve this to both parties satisfaction as soon as possible If Ms [redacted] continues to have issues paying her contracted amounts going forward, we would invite her to call in specifically to [redacted] ***, Customer Service Supervisor at [redacted] ext [redacted] to discuss making alternate settlement arrangements, such as a reduced APR

Revdex.com Complaint ID [redacted] This relates to a retail installment contract between Mr [redacted] and J&C Pets, Incdba [redacted] Overland Park which was purchased by Duvera Financial dba [redacted] FinanceMr [redacted] signed a Retail Installment Contract (RIC) with J&C Pets, Incdba [redacted] Overland Park on September 26, along with an Application for Credit and an EFT Authorization FormThe application and contracting process uses several safeguards to ensure that consumers understand the terms and conditions of their RIC, as well as the person submitting the application is indeed the consumer seeking financing, and not an unauthorized third-party Consumers must have a cellular phone in order to apply for and receive the financing Text messages are sent to the consumer’s mobile device and are used to ensure that consumers in fact understand and agree to the terms of the financing After the application is submitted, and meets underwriting standards an approval is issued, and an introductory text message confirming consent to communicate by text message is sent to the applicant’s mobile phone A second text message is then immediately sent to the consumer’s mobile device with a hyperlink to a summary of the contract terms for which he or she has been approved The summary of terms includes the ID number, the maximum amount of funding for which the consumer has been approved, the APR, repayment term and monthly payment per $financed The approval page also includes a hyperlink allowing consumers to review the terms and conditions of the 90-Day Interest Rebate Promotion Assuming the consumer would like to pursue the financing, the consumer finalizes their purchase so a contract can be prepared Once the contract has been prepared, a third text message is sent to the consumer’s mobile device providing a link to view their full contractThe consumer must scroll through the entire contract in order to obtain the 5-digit contract verification code which is located at the bottom of the contract The consumer can sign the contract in one of two ways: by electronically signing the RIC directly from their mobile device, or by providing the merchant with the 5-digit verification code sent to sign using the merchant’s computer Without this code, the merchant’s computer cannot be used to the sign the contract This prevents merchants from signing contracts on the consumer’s behalf without the consumer’s consentWhether on the consumer’s phone or using the merchant’s computer, the consumer signs the RIC using DocuSign DocuSign provides an additional safeguard in that it requires the consumer to correctly answer a series of identification/security questions to execute the RICA merchant cannot unilaterally sign a RIC, as the merchant would not be able to answer these questions After completing the signature process a fourth text message is sent to the consumer encouraging consumers to register on the servicing portal at www.my [redacted] finance.com, so they can download a copy of their contract at any time As outlined above, these safeguards ensure sufficient disclosure of contract terms, and prevent unauthorized third parties from completing an application or obtaining financing in the consumer’s nameThe RIC clearly sets forth the terms of Mr***’ credit purchase and discloses, in accordance with Regulation Z under the Federal Truth in Lending Act, a payment schedule of $biweekly for months, at an Annual Percentage Rate of 151.98% The contract also included a 90-day interest rebate promotion, expiring on December 25, To clarify, as disclosed in the Interest Rebate Promotion Rider, which was signed by Mr [redacted] and is attached as part of the enclosed documents, interest accrues from day one and if paid in full within the days including the $Interest Rebate Promotion Processing Fee, the interest would then be rebated to the customer’s principal balanceRegarding Mr***’s concern over the APR, KansasStat§ 16a-2-201(2), (3)(b) “Seller may charge a finance charge at any rate agreed to by the parties, subject to limitations on prepaid finance charges [of an amount not to exceed the lesser of 2% of the amount financed or $100].” Based on the evidence, we feel the contract is valid and all terms were fully disclosed and compliant with applicable law However, we want our customers to have a good experience and our goal is to resolve all complaints to both parties’ satisfactionIf Mr [redacted] has any additional questions or concerns, we would invite him to contact our Customer Service Manager, [redacted] directly at 866-438-ext*** Tell us why here

This relates to a retail installment contract between Ms[redacted] and [redacted] , Incwhich was purchased by Duvera FinancialMs[redacted] signed a Retail Installment Contract (RIC) with [redacted] , Incon May 27, 2015, a [redacted] with an Application for Credit and anEFT Authorization Form A digitcontract code was sent to Ms [redacted] ’s personal mobile phone with a link to allher contract terms, which she confirmed receiving by providing this code to themerchantThe RIC clearly sets forth the terms of Ms [redacted] ’s credit purchaseand discloses, in accordance with Regulation Z under the Federal Truth inLending Act, a payment schedule of $per month for months, at anAnnual Percentage Rate of 96%As confirmed by Ms [redacted] the contract alsoincluded a day interest rebate promotion offer, expiring on August 27, Our system is programmed so that any payment made is appliedtowards the next payment due When Ms [redacted] went online and attempted to make additional payments towards her daypromotional balance, the system did advance her due date and ultimately, herscheduled payment for August 27, did not process Our system then automatically disqualifiesthe customer from the day interest rebate promotion when the amount financedis not paid on or before the promotional expiration date It is an internal policy to offer thecustomer who may have missed the promotional period’s expiration date by ashort window a small extension fee of $which enables them to still haveaccess to the promotion Our agents werejust following procedures, but we can see how this would have frustrated Ms[redacted] due to the misunderstanding of the online payments pushing out her duedate In an effort to resolve Ms [redacted] ’scomplaint, we have requested a refund of the $fee be issued back to heraccount on file Ms [redacted] should seethis credit to her account within daysWe apologize to Ms [redacted] if at any time she felt she wasmistreated If Ms [redacted] has any additionalquestions she may contact the Customer Service Manager, [redacted] at [redacted] ext Otherwise, we believe thiscomplaint has been resolved to both parties satisfaction and has beenconsidered closed

This relates to a retail installment contract between Ms [redacted] and C & C Oracle LLC dba Midas which was purchased by Duvera FinancialMs [redacted] signed a Retail Installment Contract (RIC) with C & C Oracle LLC dba Midason January 17, 2015, along with an Application for Credit and an EFT Authorization FormA digit contract code was sent to Ms [redacted] ’s personal mobile phone with a link to all of her contract terms, which she confirmed receiving by providing this code to the merchant In addition, prior to reviewing and signing the RIC, Ms [redacted] had to answer security questions which pertained only to her personal credit report 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 $per month for months, at an Annual Percentage Rate of 199%As confirmed by Ms [redacted] the contract also included a day interest rebate promotion offer, expiring on April 17, In addition, she signed the addendum for the day interest rebate promotion which clearly outlined the terms of the promotion; “Interest charges begin accruing from the Contract Date, and will be rebated to Buyer if all of the following are true during the promotional period: (1) The total Amount Financed plus other items to be financed (if applicable) listed in this Installment Contract is paid in full, (2) Buyer makes all timely payments, and (3) no payments made by Buyer are returned.” Ms [redacted] did not take advantage of the day promotion and did not contact our offices until well after the promotional expiration date of April 17, Regarding Ms [redacted] ’s concern over the APR, Arizona law expressly permits the parties to agree to any finance charge, to be set forth in the contract See Arizona Statute § 44-6002.A, “Under a retail installment contract, other than a retail charge account agreement, a finance charge not to exceed a rate set by contract may be charged and received”Ms [redacted] has not disputed receiving the goods she contracted for or that she signed the contractIn short, we do not believe that Ms [redacted] has a justified complaintHaving said that, we want all of our client's customers to have a good experienceWe have attempted to contact Ms [redacted] in an effort to offer her a settlement on her remaining amount owed However, during our conversation with Ms [redacted] on October 22, she indicated that she has no intention of paying off the remaining amount due and refused to discuss any settlement arrangementsIt is important for us to resolve our customer’s complaints, so should Ms [redacted] wish to reconsider and discuss this offer she may call the Customer Service Manager, [redacted] ***

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 thatthat other customers need to know not to trust the company when it comes to getting a loan with them.how can a company like this one charge 199% for a loan it resembles the payday loans that existed someyears ago where their interest was also very high and they had to restructure their loans would the Revdex.comget in contact with them regarding my complaint? please let me know what else you will need from me

[redacted] *** This relates to a retail installment contract between [redacted] which was purchased by Duvera Financial dba EasyPay FinanceMs [redacted] signed a Retail Installment Contract (RIC) with CSA 4338, LLC dba Meineke Car Care Center on December 21, 2015, along with an Application for Credit and an EFT Authorization FormThe RIC clearly sets forth the terms of Ms***’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%As confirmed by Ms [redacted] the contract also included a day interest rebate promotion offer, expiring on March 21, In addition, she signed the addendum for the day interest rebate promotion which clearly outlined the terms of the promotion; “This Installment Contract offers an Interest Rebate PromotionAll interest paid less a Rebate Processing Fee equal to the lesser of $or the finance charges incurred as of the payoff date will be rebated to Buyer if, during the promotional period, Buyer makes all monthly payments on a timely basis with no returned payments, and Buyer pays in full the Amount Financed plus the applicable Rebate Processing Fee.” On January 29, Ms [redacted] contacted our offices in regards to her confusion regarding the Interest Rebate Processing FeeWe attempted to clarify any miscommunication about the fee during the conversation by going through the terms of the fee as outlined aboveMs [redacted] was adamant that the fee was not properly disclosed to her during the contract process while at CSA LLC dba Meineke Car Care CenterOn January 30, we received a call from CSA LLC dba Meineke Car Care Center regarding their customer Ms [redacted] and the $Interest Rebate Processing FeeBased on the conversation we had with both Ms [redacted] and the merchant we agreed to waive the $processing feeWe hope that this resolved Ms***’s complaint, and we apologize for the complaint having to escalate to involve the Revdex.comIf there are any additional questions, Ms [redacted] may contact the VP of Operations, [redacted] ***

Hello,In response to the business's response to my complaintYes, we were able to come to an agreement to where I will still pay some interestI agreed to this to move past this incident, however, I do feel this was still at the fault of the business and do not appreciate how I was represented in their responseWhat the business failed to include in their response to you was there were a few missed steps on their behalfOne thing was that the down payment that was made that day was not reported to the finance company nor applied to our financed amount so the amount I understood to be owed was actually more because the furniture company failed to report itThe finance company expressed they are not responsible for the representative at the furniture company explaining the program and my options, however, at that time the representative from the furniture store was acing on there behalf as the middle manDuvera should take more time to provide the proper training and information so when these businesses are explaining their program, the right information is being passed along to the customerIt was explained to me by the furniture representative that the payments being taken from my account were based on the day payment plan since I chose that option at the time I signed the contract electronically (I was not given the option to look over the contract before doing so)The only thing provided to me that day was the breakdown to the day payment optionCome to find out, the payments being deducted were based on a month contract which included a 199% interest rateI have definitely learned from this experience to literally double check the math of the representative and to request a contract for review before signingI appreciate Duvera coming to a settlementBoth parties are at fault due to poor communication of the day option and for me not double checking the payments add up to the balance and that the deposit made was actually applied to the amount financedI will now be following up with the furniture company for a refund on the deposit made that day since it was not applied to our financed amountThank you for your help in resolving this matter 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 a retail installment contract between Ms [redacted] and [redacted] which was purchased by Duvera Financial dba EasyPay Finance Ms [redacted] signed a Retail Installment Contract (RIC) with [redacted] *** [redacted] on September 8, 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***’s mobile phone with a link to all of the contract terms, which she confirmed receiving by providing the 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 [redacted] , the email address provided by Ms [redacted] as part of the application process The Merchant also sent us a copy of the invoice indicating the goods purchased at their store In addition, Ms [redacted] received both email and text notifications beginning with a Welcome Letter from EasyPay Finance regarding her financing, as well as a notification through email and text prior to every due date beginning with October 8, The first time we spoke with Ms [redacted] was on June 14, This was the first time we had heard from Ms [redacted] that she had not received her furniture We requested that she reach out to the Merchant to initiate the communication with EasyPay that she had not received her furniture Our records indicate, that we did not get any communication from either Ms [redacted] or the Merchant regarding the status of her purchase We continued to attempt to contact Ms [redacted] to resolve the issue with her furniture order and to collect on the outstanding payments that were due During the call with Ms [redacted] on July 7, we advised Ms [redacted] that we had not heard from the Merchant and that we did need to resolve the issues with her purchase because the outstanding balance due could be adversely affecting her credit At no time were threats made as indicated by Ms*** EasyPay attempted to resolve this matter between the Merchant and the customer by reaching out the Merchant directly regarding the status of her purchase The Merchant contacted our office on July 8, to verify that Ms [redacted] did not receive her goods as indicated in the invoice and for us to cancel the contract On July 13, EasyPay refunded a total of $back to Ms***’s checking account and have since closed the account and requested Equifax and TransUnion to delete the trade lines on her credit report We believe that this matter has been resolved to both parties’ satisfaction and consider the complaint closed If any additional information is needed, Ms [redacted] may reach out to our Customer Service department at 866-438-

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 To whom it may concernThe issue with Duvera Financial # [redacted] has been resolved as of January 20, It is true that they were a third party when I was dealing with New BeginningsI signed a refund agreement with the latter yesterdayThank you for all your help!Sincerely, [redacted] Regards, [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Hi ***,The Duvera Financial Company claims that they were only a third party who collected money and sent it to the New Beginnings CompanyThey also stated that they ceased to have a relationship with the latter. I intend to contact the New Beginnings Company tomorrow in order to find out the truth, and if I am dissatisfied with their response I will file a complaint about them as well.Sincerely,*** *** Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I am not the one that filled out the application on this loanThe mechanic owner didHe also put on that application that I made $4,a month, which I do not. My monthly income is $a month If you see the signature on that contract it is not even mineI am not going to continue to pay this loanI've paid $2,and I only borrowed $1,You are already getting $in interest which is more than enoughThis is robbery to have an interest rate of 189% which I was not aware of.
Regards,
*** ***

They did not send me anything regarding a contract to my phone nor did I ever seen oneI never e signed anything and the contract is completely fraudulent and filled out by someone elseI never agreed to those terms of interest or payments nor was ever told or shownThe contract is completely fraud and filled out by someone else

This relates to a retailinstallment contract between *** *** and *** *** *** ***t, Incdba *** which was purchased by Duvera Financial*** ***signed a Retail Installment Contract (RIC) with *** *** *** ***t, Incdba *** on March 17, 2015.The contractual
payment amount is and this has been received on time, andDuvera Financial has reported such to the credit bureaus. We believe the confusion around the balanceis a result of the day interest rebate offer the customer has as part of herRIC. This promotion expires on June 17,and if the amount financed is paid on or before this date and all terms ofthe promotional offer are met, then the interest paid is rebated to theremaining amount of the contract and then the balance will be paid infull. All payments received on theaccount are applied to interest and then principal and therefore, the amountreported to the credit bureaus is based off the payoff amount and not thepromotional balance. A review of thecustomer’s credit history with one of the major credit bureaus confirmed *** account is being accurately reported. We reached out to *** *** on June 4, to help clear up anyconfusion regarding the accuracy of her balance to the credit reportingagencies. After investigating the issue,we believe there is no validity to the complaint and this has been resolved toboth parties satisfaction

Revdex.com Complaint ID: *** ***
*** * *** *** *** *** ***
*** *** ** ***This relates to a retail installment contract between Mr*** *** and *** *** *** which was purchased by Duvera Financial dba EasyPay Finance Mr*** signed a Retail Installment
Contract (RIC) with Genesis Furniture, LLC on March 12, 2016, 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 Mr***’s mobile phone with a link to all of the contract terms, which he confirmed receiving by providing the code to the merchant In addition, prior to reviewing and signing the RIC, he had to answer security questions which pertained only to his personal credit reportA copy of the contract and all relevant disclosures were emailed immediately upon signing to ***, the email address provided by Mr*** as part of the application process The RIC clearly sets forth the terms of Mr***’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 a 90-day interest rebate promotion offer, expiring on June 12, The addendum for the 90-day interest rebate promotion clearly outlined the terms of the promotion; “This Installment Contract offers an Interest Rebate Promotion All interest paid less a Rebate Processing Fee equal to the lesser of $or the finance charges incurred as of the payoff date will be rebated to Buyer if, during the promotional period, Buyer makes all monthly payments on a timely basis with no returned payments, and Buyer pays in full the Amount Financed plus the applicable Rebate Processing Fee.” We understand that Mr*** was under the impression by the Merchant that a different payment amount would be withdrawn from this account in order to payoff the amount owed within the 90-day promotional period However, the $was debited from his account for consecutive months, and Mr*** did not contact our offices during this period of time to address his concerns regarding the variance between what the Merchant explained to him during the sale versus the signed contract Per Mr***’s conversation with our agents on June 25, Mr*** stated he has a different copy of a contract then the executed one we have on file We would like to address this directly with the Merchant and are requesting that Mr*** send us a copy of this agreement for review Mr*** has not disputed receiving the goods he contracted for or that he signed the contractIn short, we do not believe that Mr*** has a justified complaintHaving said that, we want all of our client's customers to have a good experienceIf Mr*** continues to have issues paying his contracted amounts going forward, we would invite him to call in specifically to *** *** ** *** ** *** *** *** to discuss modifying his payment arrangements to something more manageable for him, or possibly making a settlement on the remaining amount owed Our goal is to resolve this complaint to both parties’ satisfaction

Revdex.com Complaint ID *** *** *** Drive*** ***, TX *** Duvera Financial was a third party servicing company on behalf of Successful Education OnlineOn February 20, 2013, Ms*** entered into a financing agreement with Successful Education Online for services relating
to Internet Marketing and Online Educational productsEffective September 2014, Duvera Financial made the business decision to no longer provide third party servicing for Successful Education Online, and as of November 30, the accounts for this client, including this account, was transferred out of our servicing system and placed with a new third party servicing companyDuvera Financial sent a trade line deletion to the major credit bureaus at the end of March As a third party servicing company all monies collected by Duvera Financial on behalf of Successful Education Online were remitted directly to our client at the beginning of each month for cash received in the previous monthDuvera Financial does not have any funds pertaining to this contract on behalf of Ms***Any further disputes relating to this contract with Successful Education Online need to be taken up directly with them or with the new servicing companyThey can be reached at 888-***We apologize that we cannot be of further help in resolving Ms***’s complaint

Revdex.com Complaint ID *** *** *** *** St***, CA *** This relates to a retail installment contract between Mr*** and Midway Appliance Center, Incdba Midway Home Solutions which was purchased by Duvera FinancialMr*** signed a Retail Installment
Contract (RIC) with Midway Appliance Center, Incdba Midway Home Solutions on September 03, 2014, along with an Application for Credit and an EFT Authorization FormA digit contract code was sent to Mr***’s personal mobile phone with a link to all of his contract terms, which he confirmed receiving by providing this code to the merchantThe RIC clearly sets forth the terms of Mr***’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%Mr***’s contract also included a day interest free rebate promotion offer, expiring on December 3, As stated in the complaint, Mr*** did make extra payments on this contract in order to try and take advantage of the Interest Rebate Promotion however, our system advances the due date when payments are made when they are equal to or greater than the amount of the monthly installment paymentThis did prevent the December 3, automatic payment withdrawal from not processing since his account was paid to January 3, Mr*** did not dispute receiving the goods he contracted for or that he signed the contractWe want to ensure that all of our client’s customers have a good experience and even though Mr*** was outside of the promotional period, we were able to honor the promotion by obtaining a small fee to extend the promotional periodMr*** made his final payment on December 8, and the account has been paid in fullWe believe we have satisfied the complaint to both parties satisfaction

Please provide the original complaint as there was no attachment to the message

Revdex.com Complaint *** *** *** *** *** ***
*** ** *** This relates to a retail installment contract between Mr*** and The Engine Pros & Machine Shop Incwhich was purchased by Duvera Financial dba EasyPay Finance. Mr*** signed a
Retail Installment Contract (RIC) with The Engine Pros & Machine Shop Incon April 2, 2018, along with an Application for Credit and an EFT Authorization Form. The application and contracting process uses several safeguards to ensure that consumers understand the terms and conditions of their RIC, as well as the person submitting the application is indeed the consumer seeking financing, and not an unauthorized third-party. Consumers must have a cellular phone in order to apply for and financeText messages are sent to the consumer’s mobile device and are used to ensure that consumers in fact understand and agree to the terms of the financing. After the application is submitted, and meets underwriting standards an approval is issued, and an introductory text message confirming consent to communicate by text message is sent to the applicant’s mobile phone. A second text message is then immediately sent to the consumer’s mobile device with a hyperlink to a summary of the contract terms for which he or she has been approved. The summary of terms includes the ID number, the maximum amount of funding for which the consumer has been approved, the APR, repayment term and monthly payment per $financed. The approval page also includes a hyperlink allowing consumers to review the terms and conditions of the 90-Day Interest Rebate Promotion. Assuming the consumer would like to pursue financing, the consumer finalizes their purchase so a contract can be prepared. Once the contract has been prepared, a third text message is sent to the consumer’s mobile device providing a link to view their full contractThe consumer must scroll through the entire contract in order to obtain the 5-digit contract verification code which is located at the bottom of the contract. The consumer can sign the contract in one of two ways: by electronically signing the directly from their mobile device, or by providing the merchant with the 5-digit verification code sent to sign using the merchant’s computer. Without this code, the merchant’s computer cannot be used to the sign the contract. This prevents merchants from signing contracts on the consumer’s behalf without the consumer’s consentWhether on the consumer’s phone or using the merchant’s computer, the consumer signs the RIC using DocuSign. DocuSign provides an additional safeguard in that it requires the consumer to correctly answer a series of identification/security questions to execute the RIC. A merchant cannot unilaterally sign a RIC, as the merchant would not be able to answer these questionsAfter completing the signature process a fourth text message is sent to the consumer encouraging consumers to register on the servicing portal at www.myeasypayfinance.com, so they can download a copy of their contract at any time. We have included a copy of Mr***’s signed contracts for review. As outlined above, these safeguards ensure sufficient disclosure of contract terms, and prevent unauthorized third parties from completing an application or obtaining financing in the consumer’s nameThe RIC clearly sets forth the terms of Mr***’s credit purchase and discloses, in accordance with Regulation Z under the Federal Truth in Lending Act, a payment schedule of $biweekly for months, at an Annual Percentage Rate of 188.98%. The contract also included a 90-day interest rebate promotion, which Mr*** was disqualified from on April 20, due to a declined paymentAs per the conversation Mr*** had with our Customer Service Representatives, we are willing to reinstate his day interest rebate promotion, however, we have not received the supporting documents to show that the card number was incorrect and may be updatedAs requested by our Customer Service Representatives, once we receive a copy of the most recent card statement, our Credit department will review the document for the possible reinstatementOur Customer Service Manager has attempted to contact Mr*** regarding the supporting documents, via phone and email, however has not been successful in receiving a response Based on the evidence, we feel the contract is valid and that the process outlined above demonstrates the extraordinary steps taken to ensure all terms were fully disclosed and compliant with applicable law. However, we want our customers to have a good experience and our goal is to resolve all complaints to both parties’ satisfactionIf Mr*** have any additional questions or concerns, we invite him to contact our Customer Service Manager, *** Wdirectly at 866-438-*** ext***