Duvera Billing Services

Dear Ms. [redacted],I have personally looked into this issue about not receiving the credit to your account for $105.00.  What was uncovered today was that on October 8, 2015 when the request was made to our payment processing department to refund you the additional incurred bank fees, it was sent to another customer's account in error.  It wasn't until you emailed the Revdex.com today about not receiving the funds was this discovered on our end as being the cause of the issue.  We have sent out the $105.00 to your account today and it should hit your bank account no later than Friday, October 23, 2015. If not received by then, please feel free to reach me directly.I sincerely apologize for the aggravation and frustration this has caused you, as we want all of our client's customers to have a good experience with Duvera Financial.  If there are any issues in the future with making payments on your account please contact me directly at [redacted].Regards,[redacted]VP of Operations[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.

This relates to two retail installment contracts between Mr. [redacted] and Happiness Is Pets VI, Inc. dba Happiness is Pets – Lombard which were purchased by Duvera Financial dba EasyPay Finance. Mr. [redacted] signed a Retail Installment Contract (RIC) with Happiness Is Pets VI, Inc. dba Happiness is...

Pets – Lombard on August 28, 2015 and the second one on September 30, 2015 along with Applications for Credit and an EFT Authorization Forms. In order to generate the contracts a 5-digit contract code was sent to Mr. [redacted]’s mobile phone with a link to all of the contract terms, which he confirmed receiving by providing these codes to the merchant. In addition, prior to reviewing and signing the RICs, he had to answer security questions which pertained only to his personal credit report. A copy of the contracts and all relevant disclosures were emailed immediately upon signing to [redacted], the email address provided by Mr. [redacted] as part of the application process. The RIC clearly sets forth the terms of his credit purchase and discloses, in accordance with Regulation Z under the Federal Truth in Lending Act, a payment schedule of $250.76 per month for 12 months, and a payment of $91.99 per month for 12 months both at an Annual Percentage Rate of 189%. Please note that Mr. [redacted] was also offered a 90-day interest rebate promotion, expiring on November 28, 2015 for the first contract and the merchant did not include an interest rebate promotion on the subsequent contract. Mr. [redacted] did not take advantage of this promotion prior to the expiration date for his initial RIC. Regarding Mr. [redacted]’s concern over the APR, Illinois law expressly permits the parties to agree to any finance charge, to be set forth in the contract. See Illinois code. 815 ILCS § 405/27, “Notwithstanding the provisions of any other statute, retail installment contracts executed after the effective date of this amendatory Act of 1981, there shall be no limit on the finance charges which may be charged, collected and received”. Mr. [redacted] became delinquent on his second contract in March 2016 and our Customer Service department reached out and left a message for him on the following dates; March 15, March 23 and April 18, 2016. On the following dates we also attempted to reach Mr. [redacted] to discuss his past due account and we received no answer; March 4, March 5, March 9, March 16 and March 17, 2016. We have not spoken to Mr. [redacted] regarding this account or the past due status of this account since he contacted our offices on February 25, 2016 to inquire about his balance and other account details such as APR and remaining term on account. At no time on this call did Mr. [redacted] indicate that he was never informed of the terms of his contracts, or dispute the balance on the account. Mr. [redacted] has not disputed receiving the goods he contracted for or that he signed the contract. Having said that we want all of our client’s customers to have a good experience. If Mr. [redacted] is having issues paying his contracted amounts going forward, we would invite him to call in specifically to [redacted], VP of Operations at [redacted] to discuss modifying his payment arrangements, or negotiating a settlement on the remaining balance owed.

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

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.

I did accept the resoloution presented to me by [redacted] @ extension [redacted] however it should be noted I contacted this company via email the email is as follows:Dear [redacted],Your retail installment contract was for $979.34.  Your interest rebate promotion period expires on 4/7/15.  If you still have a balance after 4/7/15 interest accrues from the contract date on the remaining balance at 189%.  Your contract includes a 90 day Interest Free promotion. Please note that finance charges accrue from the date of purchase and will be added to your account until paid in full. Any finance charges paid will be rebated to you unless the 90 Day Interest Free Promotion has been invalidated because 1) the total Amount Financed is not paid in full by the expiration date provided below, or 2) you fail to make a minimum payment on the account when due. Thank you,[redacted].[redacted]Phone [redacted] extension [redacted]Fax: [redacted]Monday-Friday 5am-7pm pst Saturday 7:30am-4pm pst-----Original Message-----From: [redacted] [[redacted]] Sent: Saturday, March 07, 2015 3:13 AMTo: CustomerServiceSubject: Account balance Hi what is my actual amount owed and when does the 90 days no interest end... Oh also if I still have a balance when that period ends is interest applied to the total amount financed or the remaining amount? Thanks!...--------------Per the email I did ask to have the terms clarified as to how the interest would be applied and clearly was told the remaining balance which is the reason I made the compaint in the first place so for Duvera to say I did not have a justifiable complaint irritates me as a customer because I was given not correct information... As far as the resolution I did feel as though I was pressured to pay on the spot in their time because they felt as though they were doing me a favor by not charging me any interest when I never disputed interest the dispute was about the amount which directly contradicts the company saying I did not have a justifiable complaint.  My experience with this company was not a good one and I am very thankful to not have to do anymore business with them.Thank you Duvera and thank you Revdex.comWarm regards[redacted]

This relates to a retail installment contract between Mr.
[redacted] and PWR TRANZ LLC dba Aamco Transmissions which was purchased by Duvera
Financial. Mr. [redacted] signed a Retail Installment Contract (RIC) with PWR
TRANZ LLC dba Aamco Transmissions on July 11, 2015 along with an Application
for...

Credit and an EFT Authorization Form. As confirmed by Mr. [redacted] the
contract included a 90 day interest rebate promotion offer, expiring on October
11, 2015.  It appears that Mr. [redacted] was attempting to take advantage of
the 90 day promotion by making additional payments on his account through our
online web portal.  However, our system takes
any additional payments and applies it to the next due date, effectively
advancing the due date and not withdrawing the automatic payments from Mr.
[redacted]’s account.  Most of our customers
typically call into our offices when they are accelerating the pay down of
their contract, and we would have been able to accommodate this request over
the phone.  Although Mr. [redacted]
contacted our offices after the interest rebate promotion expiration date, we
went ahead and honored the promotion.  Mr.
[redacted] was not charged any finance charges or fees. In short, we do not
believe that Mr. [redacted] has a justified complainant and we consider this
matter to be resolved.

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 5 digit contract code was sent to Mrs. [redacted]’s personal mobile phone with a link to all her contract terms, which she confirmed receiving by providing this code to the merchant. The RIC clearly sets forth the terms of Mrs. [redacted]’s credit and discloses, in accordance with Regulation Z under the federal Truth in Lending Act, a payment schedule of $216.28 per month for 12 months, at an Annual Percentage Rate of 189%.  As confirmed by Mrs. [redacted] the contract also included a 90 day interest rebate promotion offer, expiring on December 8, 2014.  In addition, she signed the addendum for the 90 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. [redacted]’s concern over the APR, California law expressly permits the parties to agree to any finance charge, to be set forth in the contract. See Cal. Civ. Code § 1805.1 “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 1803.3 [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 complaint. Having said that, we want all of our client's customers to have a good experience. We 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.

This relates to a retail installment contract between Ms.
[redacted] and C & C Oracle LLC dba Midas which was purchased by Duvera
Financial. Ms. [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 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.  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 $98.55 per month for 12 months, at an Annual Percentage Rate of
199%. As confirmed by Ms. [redacted] the contract also included a 90 day interest rebate
promotion offer, expiring on April 17, 2015.  In addition, she 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.” Ms. [redacted] did not take advantage of the 90 day promotion and did
not contact our offices until well after the promotional expiration date of
April 17, 2015.  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 contract. In short, we do not believe
that Ms. [redacted] has a justified complaint. Having said that, we want all of
our client's customers to have a good experience. We 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, 2015 she
indicated that she has no intention of paying off the remaining amount due and
refused to discuss any settlement arrangements. It 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]

This relates to a retail installment contract between Ms. [redacted] and [redacted], Inc. dba The Pet Store which was purchased by Duvera Financial dba EasyPay Finance. Ms. [redacted] signed a Retail Installment Contract (RIC) with [redacted], Inc. dba The Pet Store on March 2, 2016, 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 $74.95 per month for 24 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, 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 April 14, 2016 Ms. [redacted] made an online payment in the amount of $500.00, which was to be applied towards her amount financed. We attempted to process this payment and it was returned by our merchant processor with a status of declined. This automatically disqualified Ms. [redacted] from the interest rebate promotion. On April 16, 2016 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 account. We 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 promotion. We spoke to Ms. [redacted] again on April 18, 2016 indicating we would honor the promotion once we were able to confirm through bank documentation the funds were available. Lastly, on April 25, 2016 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 promotion. To date, we have not received the requested documentation. We are happy to override the disqualification for the promotion once we have received the proper documentation, which we believe would resolve the customer’s complaint. As 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].

Revdex.com Complaint ID [redacted] Duvera Financial was a third party servicing company on behalf of [redacted]. On February 22, 2014, [redacted] entered into a financing agreement with [redacted] dba [redacted] for the...

purchase of furniture. In April 2014, Duvera Financial discontinued our business relationship with [redacted] and all servicing accounts were transferred to a new third party servicing company, Monterey Financial Services. Up to the point of the account being transferred, [redacted] had made two of her twelve payments due and the amount transferred to Monterey Financial Services was a remaining balance of $1,724.80. The last payment Duvera Financial processed on behalf of [redacted] was on April 22, 2014. At the time when the accounts were transferred to Monterey Financial Services on behalf of [redacted], the credit reporting reflected that the account had been transferred out of our offices and was placed with a new servicing company. The balance transferred on the credit report reflected the balance transferred to the new servicing company for a total of $1,724.80. The information reported to the credit bureaus was accurate at the time of the transfer. In March 2015, we submitted a request to the three major credit bureaus to have [redacted]’s trade line deleted from their credit data base since we no longer were maintaining the records as the servicing company and the account was no longer with Duvera Financial for servicing. Based on a review of the credit bureaus’ information, we can validate that the account was properly deleted and there is no further adverse action relating to this account on [redacted]’s credit report. We do not believe that [redacted] had a valid complaint as we were operating within the guidelines of our policies and procedures. However, we sincerely apologize if [redacted] felt that she was mistreated by any of our agents while she was trying to resolve her issue. We consider this complaint to be resolved to both parties satisfaction.

This relates to a retail installment contract between [redacted] and [redacted], Inc. which was purchased by Duvera Financial.  [redacted] signed a Retail InstallmentContract (RIC) with [redacted], Inc. on June 22, 2014, along with an Application for Credit and anEFT Authorization Form. A 5...

digit contract code was sent to [redacted]’spersonal mobile phone with a link to all his contract terms, which he confirmedreceiving by providing this code to the merchant.  As confirmed by [redacted] the contractalso included a 90 day interest free promotion offer, expiring on September 22,2014.  In addition, he signed the addendum for the 90 day interest freepromotion which clearly outlined the terms of the promotion; “Interest chargesbegin accruing from the Contract Date, and will be rebated to Buyer if all ofthe following are true during the promotional period: (1) The total AmountFinanced plus other items to be financed (if applicable) listed in thisInstallment Contract is paid in full, (2) Buyer makes all timely payments, and(3) no payments made by Buyer are returned.” [redacted] became ineligible forthis promotion when his 8/22/2014 payment was returned for insufficientfunds.  [redacted] was transferred toour recoveries department in October 2014 after his past due status was greaterthan 61 days.  Mr. [redacted] scheduledpayments with the recovery department to be processed for future dates, one ofwhich was scheduled for March 23, 2015. The payment was not honored by [redacted]’sbank, and on March 24th, 2015 he called and provided a differentmethod of payment. The payment was processed correctly as instructed by Mr[redacted], but no duplicate payments have been collected as asserted by Mr.[redacted] has not disputedreceiving the goods he contracted for or that he signed the contract. In short,we do not believe that [redacted] has a justified complaint. Having saidthat, we want all of our client's customers to have a good experience. To avoidany further miscommunication surrounding future payments, Duvera has removedthe previous payment arrangements and offered to settle the account for areduced amount, resulting in a savings of $1,152.26 to which Mr. [redacted] hasagreed. He agreed to contact our offices before 04/17/2015 to pay this reducedamount otherwise, and he is aware the offer is null and void.

This relates to a retail installment contract between Ms. [redacted]and Happiness is Pets VI, Inc. dba Happiness is Pets – Lombard which waspurchased by Duvera Financial. Ms. [redacted] signed a Retail Installment Contract(RIC) with Happiness is Pets VI, Inc. dba Happiness is Pets – Lombard on April17, 2015,...

along with an Application for Credit and an EFT Authorization Form.In order to generate the contract a 5 digit contract code was sent to Ms. [redacted]’spersonal mobile phone with a link to all of the contract terms, which sheconfirmed receiving by providing this code to the merchant.  In addition, prior to reviewing and signingthe RIC, Ms. [redacted] had to answer security questions which pertained only to herpersonal credit report. A copy of the contract and all relevant disclosureswere emailed immediately upon signing to [email protected], the email addressprovided by Ms. [redacted] as part of the application process. The RIC clearly setsforth the terms of Ms. [redacted]’s credit purchase and discloses, in accordance withRegulation Z under the federal Truth in Lending Act, a payment schedule of $166.04per month for 24 months, at an Annual Percentage Rate of 96%. The contract alsoincluded a 90 day interest rebate promotion offer, expiring on July 17, 2015,which Ms. [redacted] did not take advantage of before the expiration date.  Regarding Ms. [redacted]’s concern over the APR, Illinoislaw expressly permits the parties to agree to any finance charge, to be setforth in the contract. See Illinois code. 815 ILCS § 405/27, “Notwithstandingthe provisions of any other statute, retail installment contracts executedafter the effective date of this amendatory Act of 1981, there shall be nolimit on the finance charges which may be charged, collected and received”.  Ms. [redacted] has not disputed receiving the goods she contractedfor or that she signed the contract. Having said that we want all of our client’scustomers to have a good experience and have attempted to contact Ms. [redacted] viaphone and email to discuss arrangements on this contract.  If Ms. [redacted] is having issues paying hercontracted amounts going forward, we would invite her to call in specificallyto [redacted], Customer Service Manager at 1-866-438-8372 ext. 1200 to discussmodifying her payment arrangements to something more manageable for her.

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, 2016. It is true that they were a third party when I was dealing with New Beginnings. I signed a refund agreement with the latter yesterday. Thank you for all your help!Sincerely,[redacted] Regards,
[redacted]

This relates to a retail installment contract between [redacted] AND Fusion Cycles which was purchased by Duvera. [redacted] signed aRetail Installment Contract (RIC) with [redacted] dba [redacted]Transmission on February 1, 2015, alongwith an Application for Credit and an EFT Authorization...

Form. [redacted]communicated he needed financial assistance back in January 2015 and hismonthly payment was reduced from for $219.60 to $164.66 which was a result ofhis APR being reduced from 189% to 29%. [redacted] originally had the account set-up on automatic payment withdrawals,but had been making online payments.  Anautomatic payment of $164.66 was processed on April 6, 2014, and then thefollowing day [redacted] made a payment for $164.66 through our website resultingin a duplicate payment.  [redacted] wasinformed when he contacted our offices on April 7, 2015 that due to the methodof payment being ACH our standard business practice is to wait 10 business daysto ensure the payment has cleared prior to reversing the duplicate payment.  We advised [redacted] to avoid waiting the10 business days he could provide documentation the payment had cleared hisaccount by sending us a letter from his bank or a bank statement, and a refundwould be processed immediately. [redacted] opted to wait the 10 businessdays. A refund of $164.44 was processed on April 21, 2014 back to [redacted].[redacted] has not disputed receiving the goods he contracted for or that hesigned the contract. In short, we do not believe that [redacted] has ajustified complaint. Having said that, we want all of our client's customers tohave a good experience. If [redacted] believes he is owed any fees as aresult of the duplicate payment we invite [redacted] to provide documentationso we may start the process of refunding any fees arising from the duplicate paymentback to [redacted]. If [redacted] has any further questions he may contactthe Customer Service Manager, [redacted] directly at [redacted], ext. [redacted].

Our goal at EasyPay Finance is to resolve all complaints to both parties satisfaction.  Under the current offer we provided to Ms. [redacted] she is paying zero interest on the account, and is paying back less money than she actually borrowed by $314.46. If she is unable to make the settlement amount payable over 6 months, we can extend the term to 12 months bringing the monthly payment to $74.40.  If Ms. [redacted] would like to take us up on this offer, we invite her to contact the VP of Operations, [redacted] to set up the payments.

Revdex.com Complaint ID [redacted] Dr.[redacted], FL [redacted]Duvera Financial was a third party servicing company on behalf of Your eCommerce Support. On May 30, 2012, Mr. [redacted] entered into a financing agreement with Your eCommerce Support for services relating to Internet...

Marketing and Online Educational products.   Effective March 2014, Duvera Financial made the business decision to no longer provide third party servicing for Your eCommerce Support, and as of September 2014 the accounts for this client, including this account, was transferred out of our servicing system. Duvera Financial sent a trade line deletion to the major credit bureaus in March 2015 and have validated that this trade line does not appear on Mr. [redacted]’s credit report and there is no adverse reporting relating to this retail installment obligation. As a third party servicing company all monies collected by Duvera Financial on behalf of Your eCommerce Support were remitted directly to our client at the beginning of each month for cash received in the previous month. Mr. [redacted] did not make any payments directly to Duvera Financial relating to this retail installment obligation.  Any further disputes relating to this contract with Your eCommerce Support need to be taken up directly with them.  We apologize that we cannot be of further help in resolving Mr. [redacted]’s complaint, but we believe this complaint to be resolved and closed.

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

[redacted] dba [redacted] November 8, 2014 alongwith an Application for Credit and an EFT Authorization Form. A 5 digitcontract code was sent to Mr. [redacted]’s personal mobile phone with a link toall his contract terms, which he confirmed receiving by providing this code tothe merchant. Mr. [redacted] elected to receive all of his correspondence viaemail when submitting his application for credit.  The email provided on the application was [redacted]. Beginning withhis December payment, Mr. [redacted] made all of his scheduled monthly paymentson time through March 2015.  Starting inApril 2015, Mr. [redacted]’s payments were returned from the bank forinsufficient funds.  At the time thereturned payment was received from our bank the system automatically sends outa notice via email and it was sent to the email address that was provided onthe application.  Between the months ofApril 2015 through August 2015 our office continued to attempt to reach Mr.[redacted] regarding his delinquent account through both email and telephone.  We used the cell phone number provided on theapplication, which was confirmed to be accurate when he finally contacted ouroffices on August 20, 2015.  At thistime, due to the lack of payment the account was considered in default and ithas been transferred to our internal Recovery Department to work out alternatearrangements.  Mr. [redacted] has notdisputed receiving the goods he contracted for or that he signed the contract.In short, we do not believe that Mr. [redacted] has a justified complaint.Having said that, we want all of our client's customers to have a goodexperience. If Mr. [redacted] wishes to discuss settlement opportunities he maycontact [redacted], Customer Manager at [redacted] ext. [redacted].

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

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