Duvera Billing Services

Revdex.com Complaint ID [redacted]
  This relates to a retail installment contract between Mr. [redacted] and J&C Pets, Inc. dba [redacted] Overland Park which was purchased by Duvera Financial dba [redacted] Finance. Mr. [redacted] signed a...

Retail Installment Contract (RIC) with J&C Pets, Inc. dba [redacted] Overland Park on September 26, 2017 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 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 $100 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 contract. The 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 consent. Whether 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 6 identification/security questions to execute the RIC. A 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. [redacted]’ credit purchase and discloses, in accordance with Regulation Z under the Federal Truth in Lending Act, a payment schedule of $155.46 biweekly for 24 months, at an Annual Percentage Rate of 151.98%.  The contract also included a 90-day interest rebate promotion, expiring on December 25, 2017. 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 90 days including the $40.00 Interest Rebate Promotion Processing Fee, the interest would then be rebated to the customer’s principal balance. Regarding Mr. [redacted]’s concern over the APR, Kansas. Stat. § 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’ satisfaction. If Mr. [redacted] has any additional questions or concerns, we would invite him to contact our Customer Service Manager, [redacted] directly at 866-438-8372 ext. [redacted] Tell us why here...

Revdex.com Complaint ID – [redacted] [redacted] This relates to a retail installment contract between Mr. [redacted] and [redacted] Inc dba [redacted] - Glendale which was purchased by Duvera Financial dba EasyPay Finance.  Mr....

[redacted] signed a Retail Installment Contract (RIC) with [redacted] Inc dba [redacted] - Glendale on September 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 Mr. [redacted]’s personal mobile phone with a link to the summary of terms, which he confirmed receiving by providing this code to the merchant.  Mr. [redacted] completed a manual signature on all 3 documents and provided a copy of his photo ID which we have included for review. The ID attached to Mr. [redacted]’s complaint appears to be for a different consumer. Mr. [redacted] has received both text messages and emails to [redacted], which was provided as part of the application process. The emails include statements, and settlement offers as well as a link to [redacted].  On our customer portal Mr. [redacted], has not registered, however has access to his executed contract and all relevant disclosures are available and we have attached a copy of the contract for Mr. [redacted]’s review along with a copy of his payment history.   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 $98.55 per month for 12 months, at an Annual Percentage Rate of 199%.  The contract also included a 90-day interest rebate promotion, expiring on December 18, 2015, which Mr. [redacted] did not take advantage of. Mr. [redacted] has spoken to our Customer Service department on 3 occasions, during which time, the terms of the contract were discussed.   In addition, Mr. [redacted]’s debt has not been transferred to an outside agency, however is in Recovery and is being reported as such. On April 12, 2017 and October 13, 2017, we received electronic dispute notifications through one of the credit bureaus, we verified the information reporting on his credit report as being accurate. In addition, we received a complaint via the CFPB, on September 13, 2017, in which we have responded to Mr. [redacted]’s concerns and included the documentation as requested in Mr. [redacted]’s current complaint. In accordance with FCRA, we marked his account as disputed on April 12, 2017, and have been reporting the disputed status to the credit bureaus accordingly. In attempt to assist Mr. [redacted], multiple offers for settlement of 50% of the outstanding debt were text and emailed to Mr. [redacted] at m[redacted]@trans-system.com. EasyPay had not previously received any request for cease and desist, however have not contacted Mr. [redacted] by phone since August 24, 2016 and his account has now been flagged to stop calls and emails. If Mr. [redacted] would like to discuss this settlement offer, we would invite him to contact our Customer Service Manager, [redacted]. directly at 866-438-8372 ext. [redacted]

Revdex.com Complaint ID [redacted] K. [redacted] N. [redacted] Apt [redacted], AZ [redacted] This relates to a retail installment contract between Ms. [redacted] and Affordable Fine Furniture Outlet which was purchased by Duvera Financial. Ms. [redacted] signed a Retail Installment Contract (RIC) with...

Affordable Fine Furniture Outlet on July 18, 2014, along with an Application for Credit and an EFT Authorization Form. A 5 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. 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 $285.63 per month for 12 months, at an Annual Percentage Rate of 189%. The contract also included a 90 day interest free rebate promotion offer, expiring on October 18, 2014. After reviewing the complaint, we understand the issues addressed by Ms. [redacted] and see that it was due to a miscommunication when she called into our offices on December 18, 2014 to discuss her financial situation. The agent did not take the proper actions as instructed by our procedures resulting in unnecessary fees for both parties and for this we are sincerely sorry for the frustration this must have caused Ms. [redacted]. We want all of our client's customers to have a good experience. If Ms. [redacted] continues to have issues paying her contracted amounts going forward, we would invite her to call in specifically to Jason Long, the Customer Service Manager at 1-866-[redacted] ext. [redacted] to discuss making settlement arrangements.

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 theft. When someone steals your identity they use your information which may include your phone numbers. This was my first time being victimized by fraud and I wasn't aware of all the procedures to get this matter resolved. However, I didn't authorize anyone to use my identity to open this account. I filed a police report and forwarded it to this company. ]
Regards,
[redacted]

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 Finance. Mr. [redacted] signed a Retail Installment Contract (RIC) with...

[redacted] Inc. dba [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. [redacted]’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. [redacted]’s email [redacted]@comcast.net as provided on the Credit Application.On August 7, 2014 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, 2014 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. [redacted].  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, 2016.  At this time, we believe this debt to be valid and owed by Mr. [redacted], 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. [redacted]’s complaint, we are willing to work out a settlement on the account.  We invite Mr. [redacted] to contact [redacted] VP of Operations at 866-711-4700 ext. [redacted] to discuss the settlement arrangements.

[redacted] entered into a financing arrangement with Kirby II Auto Repair, Inc. and it is up to this retailer to offer the interest free rebate promotion within the first 90 days, Duvera Financial does not have any ability to select the financing offer. In addition, a text message...

was sent to [redacted]'s mobile phone number which she provided to Kirby II Auto Repair, Inc. and the test message stated all of the terms of the financing which clearly indicated that there was not a 90 day interest free promotion as part of the financing option. In order for the contract to generate there is a 5 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 code. It was very clear before signing the agreement that there was not a 90 day interest free promotion. Duvera 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 90 day interest rebate promotion. Please note that [redacted] may also pay off her account early at any time to avoid any future interest charges without any pre-payment penalties.

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 Mr. [redacted] and [redacted] – Porterville which was purchased by [redacted] dba [redacted] Finance. Mr. [redacted] signed a Retail Installment Contract (RIC) with [redacted] – Porterville on October 7, 2015 along with an...

Application for Credit and an EFT Authorization Form. A 5 digit contract code was sent to Mr. [redacted]’s personal mobile phone with a link to all of his contract terms, which he confirmed receiving by providing this code to the merchant. 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 $98.31 per month for 12 months, at an Annual Percentage Rate of 199%. As confirmed by Mr. [redacted] the contract also included a 90 day interest rebate promotion offer, expiring on January 7, 2016.  In addition, he signed the addendum for the 90 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.”  We reviewed the call on December 7, 20105 when Mr. [redacted] contacted our office regarding his scheduled automated payment that was due on December 7, 2015.  It was clear from the beginning of the conversation between Mr. [redacted] and our Customer Service agent that they were not discussing the payment that had already been sent to the bank on December 6, 2015 which was effective for December 7, 2015.  We should have been clearer with Mr. [redacted] that the payment was already sent off to the bank and that we could not have stopped the transaction.  However, it was clear that Mr. [redacted] knew the funds were not available and that the payment was going to be returned, which is why he had contacted our offices to make alternate payment arrangements. Having said that, we want all of our client's customers to have a good experience and in an effort to resolve Mr. [redacted]’s complaint we are willing to extend the interest rebate promotion on the contract.  The total remaining amount due on or before January 7, 2016 is $234.20.  We have attempted to contact Mr. [redacted] on several occasions to inform him of our resolution, but Mr. [redacted] has been unresponsive.  Mr. [redacted] may contact the VP of Operations, [redacted] in order to take advantage of our offer to close out his account.

Revdex.com Complaint ID: [redacted]This relates to a retail installment contract between Ms. [redacted] and [redacted] Tire and Auto Service, Inc. – 982 which was purchased by Duvera Financial dba EasyPay Finance. Ms. [redacted] signed a Retail...

Installment Contract (RIC) with [redacted] Tire and Auto Service, Inc. – 982 on August 15, 2016, along with an Application for Credit and an EFT Authorization Form.  The original credit application was submitted through Fletcher’s online e-Application portal on June 23, 2016.  Prior to signing her contract, Ms. [redacted] spoke with one of our Merchant Service Representatives on July 12, 2016 to go over the approval terms.  During this call, we discussed the APR, the approval amount and the 90-day Interest Rebate Promotion.  In order to generate the contract a 5-digit contract code was sent to Ms. [redacted]’s personal mobile phone with a link to all of the contract terms, which she confirmed receiving by providing this code to the merchant.  In order to execute the contract, Ms. [redacted] had to answer 6 security questions pertaining to her personal credit profile.  A signed copy of the contract was immediately emailed to Ms. [redacted]’s email [redacted]@yahoo.com as provided on the Credit Application.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 $133.72 per month for 24 months, at an Annual Percentage Rate of 96%. The contract also included a 90-day interest rebate promotion offer, expiring on November 15, 2016.  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]’s account was transferred to our internal Recovery Department due to non-payment on January 3, 2017.  Ms. [redacted] has not disputed receiving the goods she contracted for or that she signed the contract, and we do not believe that Ms. [redacted] has a valid complaint.  Having said that, we want all of our client’s customers to have a good experience.  In an effort to resolve Ms. [redacted]’s complaint, we are willing to discuss a settlement offer on this account.  The current payoff is $1,902.22 and we are willing to settle the account for $892.81.  We would allow for this amount to be paid over a 6-month period, resulting in a monthly payment of $148.80.  This would bring the total amount paid by Ms. [redacted] to $1,093.53, which is $314.46 less than the amount she financed.  We have attempted to contact Ms. [redacted] to discuss this offer, but we have not heard back from her at this time.  To make arrangements on this offer, please contact [redacted], VP of Operations at 1-866-711-4700 ext. [redacted].

This relates to a retail installmentcontract between [redacted] and ** [redacted] dba [redacted] whichwas purchased by Duvera Financial. [redacted] signed a Retail InstallmentContract (RIC) with ** [redacted] dba [redacted] on January 7, 2015, along with an Application for Credit and...

anEFT Authorization Form.  A 5 digitcontract code was sent to [redacted] personal mobile phone with a link to allher contract terms, which she confirmed receiving by providing this code to themerchant. The RIC clearly sets forth the terms of [redacted]’s credit anddiscloses, in accordance with Regulation Z under the federal Truth in LendingAct, a payment schedule of $186.49 per month for 12 months, at an AnnualPercentage Rate of 189%.  As confirmed by[redacted] the contract also included a 90 day interest rebate promotion offer,expiring on April 7, 2015.  In addition, [redacted] signed the addendum forthe 90 day interest rebate promotion which clearly outlined the terms of thepromotion; “Interest charges begin accruing from the Contract Date, and will berebated to Buyer if all of the following are true during the promotionalperiod: (1) The total Amount Financed plus other items to be financed (ifapplicable) listed in this Installment Contract is paid in full, (2) Buyermakes all timely payments, and (3) no payments made by Buyer arereturned.”  When she contacted our officeson April 7, 2015, the customer service agent advised her the remaining balanceto pay off the amount financed to avoid paying any finance charges was $206.36.[redacted] declined to make a payment during this call and stated she would callback later that day to make the final payment. [redacted] did not call back untilApril 23, 2015 after the interest rebate promotional period had ended. Regarding [redacted] concern over the APR,  [redacted] § 422.201(2)(bn)  clearly states "A consumer credittransaction entered into after October 31, 1984, is not subject to any maximumlimit on finance charges."  [redacted]has not disputed receiving the goods she contracted for or that she signed thecontract. In short, we do not believe that [redacted] has a justified complaint.Having said that, we want all of our client's customers to have a goodexperience. We did agree to accept the remaining balance of $203.36 with noadditional finance charges in order to resolve the dispute. [redacted] acceptedthis resolution and this matter has been resolved.

[redacted] This relates to a retail installment contract between [redacted] which was purchased by Duvera Financial dba EasyPay Finance. Ms. [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 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 $171.71 per month for 12 months, at an Annual Percentage Rate of 189%. As confirmed by Ms. [redacted] the contract also included a 90 day interest rebate promotion offer, expiring on March 21, 2016. 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 Promotion. All interest paid less a Rebate Processing Fee equal to the lesser of $40.00 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, 2016 Ms. [redacted] contacted our offices in regards to her confusion regarding the Interest Rebate Processing Fee. We attempted to clarify any miscommunication about the fee during the conversation by going through the terms of the fee as outlined above. Ms. [redacted] was adamant that the fee was not properly disclosed to her during the contract process while at CSA 4338 LLC dba Meineke Car Care Center. On January 30, 2016 we received a call from CSA 4338 LLC dba Meineke Car Care Center regarding their customer Ms. [redacted] and the $40 Interest Rebate Processing Fee. Based on the conversation we had with both Ms. [redacted] and the merchant we agreed to waive the $40 processing fee. We hope that this resolved Ms. [redacted]’s complaint, and we apologize for the complaint having to escalate to involve the Revdex.com. If there are any additional questions, Ms. [redacted] may contact the VP of Operations, [redacted].

Please see our attached response for complaint ID [redacted].

This relates to a retail installment contract between Mr.[redacted] and TRR LLC dba Meineke which was purchased by Duvera Financial. Mr.[redacted] signed a Retail Installment Contract (RIC) with TRR LLC dba Meinekeon October 14, 2014 along with an Application for Credit and an EFTAuthorization Form. A...

5 digit contract code was sent to Mr. [redacted]’spersonal mobile phone with a link to all his contract terms, which he confirmedreceiving by providing this code to the merchant. In addition, prior toreviewing and signing the RIC, Mr. [redacted] had to answer security questionswhich pertained only to his personal credit report. A copy of the contract andall relevant disclosures were emailed immediately upon signing to d[redacted], the email address providedby Mr. [redacted] as part of the application process. The RIC clearly sets forththe terms of Mr. [redacted]’s credit and discloses, in accordance withRegulation Z under the federal Truth in Lending Act, a payment schedule of$55.67 per month for 24 months, at an Annual Percentage Rate of 96%. Asconfirmed by Mr. [redacted] the contract also included 90 day interest freepromotion offer, expiring on January 14, 2015.  Mr. [redacted] did not takeadvantage of the 90 day promotion and did not contact our offices until wellafter the promotional expiration date of January 14, 2015. Regarding Mr.[redacted]’s concern over the APR, Washington law expressly permits the partiesto agree to any finance charge, to be set forth in the contract. See Washingtoncode. § 63.14.130(1) "The service charge, in a retail installmentcontract, shall not exceed the dollar amount or rate agreed to by contract anddisclosed under Rev. Code Wash. § 63.14.040(1)(h)." 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 goodexperience. We have reached out to Mr. [redacted] to address his concerns andhave been unable reach him. If Mr. [redacted] continues to have issues payinghis contracted amounts going forward, we would invite him to call inspecifically to [redacted], Customer Service Manager at 1-866-438-8372 ext.1200 to discuss making alternate payment arrangements.

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.

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].

This relates to a retail installment contract between Mr. [redacted] and [redacted]. dba [redacted] which was purchased by Duvera Financial dba [redacted]. Mr. [redacted] signed a Retail Installment Contract (RIC) with [redacted]. dba [redacted]...

on May 25, 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. [redacted]’s personal mobile phone with a link to all of the contract terms, which he confirmed receiving by providing this code to the merchant. In addition, prior to reviewing and signing the RIC, Mr. [redacted] had to answer 6 security questions which pertained only to his personal credit report and history. After signing an email was immediately sent to [redacted], the email address provided by Mr. [redacted] as part of the application process, with registration instructions for myeasypayfinance.com. On our customer portal Mr. [redacted] has access to his executed contract and all relevant disclosures are available for review upon signing. Mr. [redacted] has registered to review his contract and has the option to make payments online. 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 $237.44 per month for 24 months, at an Annual Percentage Rate of 96%. The contract also included 90-day interest rebate promotion, expiring on August 25, 2016. Mr. [redacted] did not take advantage of the 90-day promotion. Regarding Mr. [redacted]’s concern over the APR, Oregon law expressly permits the parties to agree to any finance charge, to be set forth in the contract. See Or. Rev. Stat. § 83.095(1) “A retail seller in a retail installment contract may contract for and charge, receive and collect a service charge computed by the actuarial method”. On March 2, 2017, Mr. [redacted] called in and we reviewed the terms and status of his account.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 complaint. Having said that, we want all of our client’s customers to have a good experience. On April 12, 2017, EasyPay Customer Service received a letter from Mr. [redacted], and attempted to contact Mr. [redacted] via phone to assist with his payments up to and including an offer of settlement. We have been in contact with Mr. [redacted] and have offered him a settlement of $1,000.00 saving Mr. [redacted] $1,849.40, if the contract were paid to term. Our goal is to resolve any outstanding offer, we invite Mr. [redacted] to contact our offices at 866-438-8372 ext. [redacted] and discuss the account with our Customer Service Manager, [redacted].

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.
First and foremost, the facts are skewed as relayed from Duvera's representative. Secondly, [redacted] (Customer Service Manager) called me on October 8 indicating that a credit for $35 was being issued and was credited to my bank account in 24 hours. When I indicated $35 only covered 1 of 4 charges and my request for reimbursement included all 4 in multiple correspondences including phone, fax and email from myself and the VP of my bank, I was told I would need to start the process over requesting the $105 difference. I sent an email requesting such to the email address provided by [redacted] and received no email response, but rather, a phone call around 2:30 pm on October 9 indicating a refund for the $105 was being processed. As of today, October 19, I have not received any further response to my inquires of the status of this credit or any deposit to my bank account as [redacted] indicated he processed. 
Regards,
[redacted]

This relates to a retail installment contract between Ms.[redacted] and [redacted], Inc. which was purchased by Duvera Financial. Ms.[redacted] signed a Retail Installment Contract (RIC) with [redacted], Inc. on May 27, 2015, a[redacted] with an Application for Credit and anEFT Authorization...

Form.  A 5 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 themerchant. The 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 $184.98 per month for 24 months, at anAnnual Percentage Rate of 96%. As confirmed by Ms. [redacted] the contract alsoincluded a 90 day interest rebate promotion offer, expiring on August 27,2015.  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 90 daypromotional balance, the system did advance her due date and ultimately, herscheduled payment for August 27, 2015 did not process.  Our system then automatically disqualifiesthe customer from the 90 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 $40 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 $40 fee be issued back to heraccount on file.  Ms. [redacted] should seethis credit to her account within 5 days. We 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. 1200.  Otherwise, we believe thiscomplaint has been resolved to both parties satisfaction and has beenconsidered closed.

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, 2017 even though the financing contract was opened on June 14, 2014. 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].

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 Form. On March21, 2015 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, 2015 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 2015 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, 2015 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 thecontract. We 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...