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Reviews Duvera Billing Services

Duvera Billing Services Reviews (205)

Mr. [redacted] entered into a business agreement with Duvera Financial as a direct broker in2014 where he was selling Duvera Financial’s financing option directly tomerchants who were offering the sale of goods directly to consumers.  Mr. [redacted] was directly involved witharranging in...

September 2014 for this merchant [redacted] dba [redacted]sAppliances Sales and Repair to submit consumer applications and contracts toDuvera for review and purchase.  Thefirst contract sold to us by this merchant was Mr. [redacted]’s own obligation inthe first month the merchant was enrolled with Duvera Financial.  Please note, that Mr. [redacted] also received acommission off this transaction, as well as the goods he financed which in thiscase was a washer and dryer.  Thismerchant and Mr. [redacted] were suspended from using Duvera Financial in December2014.This obligation relates to a retail installment contract between Mr. [redacted] and [redacted] dba[redacted]s Appliances Sales and Repair which was purchased by Duvera Financial. Mr.[redacted] signed a Retail Installment Contract (RIC) with [redacted] dba[redacted]s Appliances Sales and Repair on September 16, 2014, along with anApplication for Credit and an EFT Authorization Form. In order to generate thecontract a 5 digit contract code was sent to Mr. [redacted]’s personal mobilephone with a link to all of the contract terms, which he confirmed receiving byproviding this code to the merchant.  In addition, prior to reviewing and signing the RIC, Mr. [redacted] had to answersecurity questions which pertained only to his personal credit report. A copyof the contract and all relevant disclosures were emailed immediately uponsigning to [redacted]@gmail.com, the email address provided by Mr. [redacted] as part of the application process. TheRIC clearly sets forth the terms of Mr. [redacted]’s credit purchase anddiscloses, in accordance with Regulation Z under the federal Truth in LendingAct, a payment schedule of $285.63 per month for 12 months, at an AnnualPercentage Rate of 189%. The contract also included a 90 day interest rebatepromotion offer, expiring on December 16, 2014 which Mr. [redacted] did not takeadvantage of before the expiration date. Regarding Mr. [redacted]’s concern over the APR, California law expresslypermits the parties to agree to any finance charge, to be set forth in thecontract. See California Civ. Code § 1805.1, “The holder of the contractshall not charge, collect, or receive a finance charge which exceeds the dollaramount shown pursuant to subdivision (b) of Section 1803.3 [requiringdisclosure of finance charge under Regulation Z].”  In November 2014, we spoke to Mr. [redacted] at the phone number provided both to us on the applicationand on his complaint, at which time he indicated his intent to pay.  The account ultimately has gone into defaultand has since been transferred to our recovery department where now Mr. [redacted]has asserted his ID was stolen and is claiming fraud, even though when we spokein November he never made a claim of fraud. However, we take all claims of fraud very serious, and we followed ourprocedures by mailing out a fraud affidavit to Mr. [redacted].  As of to date, we have not received thenotarized fraud affidavit returned from Mr. [redacted] for us to initiate ourinvestigation.  In summary, we believe this contract is a valid obligation and that Mr. [redacted]’s complaint and assertionthat this is a non-existent agreement is disingenuous at best, possibly in anattempt to remove valid information from data we submit to a major creditbureau.  If there areany additional questions or concerns, Mr. [redacted] may reach out to the CustomerService Manager, [redacted] at [redacted] ext. [redacted].

Hello,In response to the business's response to my complaint. Yes, we were able to come to an agreement to where I will still pay some interest. I 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 response. What the business failed to include in their response to you was there were a few missed steps on their behalf. One 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 it. The 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 man. Duvera 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 customer. It was explained to me by the furniture representative that the payments being taken from my account were based on the 90 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 90 day payment option. Come to find out, the payments being deducted were based on a 12 month contract which included a 199% interest rate. I have definitely learned from this experience to literally double check the math of the representative and to request a contract for review before signing. I appreciate Duvera coming to a settlement. Both parties are at fault due to poor communication of the 90 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 financed. I 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 amount. Thank 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. [redacted]’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 report. A 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, 2015.  The first time we spoke with Ms. [redacted] was on June 14, 2016.  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, 2016 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. [redacted].  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, 2016 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, 2016 EasyPay refunded a total of $689.85 back to Ms. [redacted]’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 866-438-8372.

This relates to a retail installment contract between Ms. [redacted] and Happiness Is Pets of Naperville Crossing, Inc. which was purchased by Duvera Financial dba EasyPay Finance.  Ms. [redacted] signed a Retail Installment Contract (RIC) with Happiness Is Pets of Naperville Crossing, Inc. on...

October 17, 2015, along with an Application for Credit and an EFT Authorization Form.  In order to generate the contract a 5-digit contract code was sent to Ms. [redacted]’s mobile phone with a link to all of the contract terms, which she confirmed receiving by providing this code to the merchant.  In addition, prior to reviewing and signing the RIC, she had to answer security questions which pertained only to her personal credit report. A copy of the contract and all relevant disclosures were emailed immediately upon signing to [email protected], the email address provided by Ms. [redacted] as part of the application process.  The RIC clearly sets forth the terms of her credit purchase and discloses, in accordance with Regulation Z under the Federal Truth in Lending Act, a payment schedule of $342.76 per month for 12 months, at an Annual Percentage Rate of 189%.  Please note that Ms. [redacted] was also offered a 90-day interest rebate promotion, expiring on January 17, 2016.  Ms. [redacted] did not take advantage of this promotion prior to the expiration date.  Regarding Ms. [redacted]’s concern over the APR, Illinois law expressly permits the parties to agree to any finance charge, to be set forth in the 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”.  Ms. [redacted] has not disputed receiving the goods she contracted for. Having said that we want all of our client’s customers to have a good experience.  If Ms. [redacted] is having issues paying her contracted amounts going forward, we would invite her to call in specifically to [redacted], VP of Operations at 1-866-438-8372 ext. [redacted] to discuss modifying her payment arrangements, or negotiating a settlement on the remaining balance owed.

Revdex.com Complaint ID: [redacted]
[redacted]
[redacted]
This relates to a retail installment contract between Mr. [redacted] and [redacted], Inc. dba [redacted] #3 which was purchased by Duvera Financial dba EasyPay Finance. Mr. [redacted] signed a Retail...

Installment Contract (RIC) with [redacted], Inc. dba Tuffy Auto Service Center #3 on December 9, 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 order to execute the contract, Mr. [redacted] had to answer 6 security questions which he completed through the DocuSign process. A signed copy of the contract was immediately emailed to Mr. [redacted]’s email delonte[redacted]@gmail.com as provided on the Credit Application.The RIC clearly sets forth the terms of Mr. [redacted]’s credit purchase and discloses, in accordance with Regulation Z under the Federal Truth in Lending Act, a payment schedule of $261.96 per month for 12 months, at an Annual Percentage Rate of 189%. The contract also included 90-day interest rebate promotion offer, expiring on March 9, 2017. Mr. [redacted] did not take advantage of this promotional offer. Regarding Mr. [redacted]’s concern over the APR, Virginia law expressly permits the parties to agree to any finance charge, to be set forth in the contract. See Va. Code § 6.2-311.A “Any seller of goods or services who extends credit under a closed-end installment credit plan or arrangement may impose finance charges at such rate or rates as may be agreed upon by the seller and the purchaser…No additional finance charge shall be made for the extension of credit under such a plan or arrangement”.Mr. [redacted] has not disputed receiving the goods he contracted for or that he signed the contract, and we do not believe that Mr. [redacted] has a valid complaint. Having said that, we want all of our client’s customers to have a good experience. On March 17, 2017, we reached out to Mr. [redacted] on his mobile phone to discuss his complaint, and Mr. [redacted] has not responded to our voicemail. We invite Mr. [redacted] to contact or VP of Operations, [redacted], at [redacted] ext. [redacted] to work towards a resolution that would meet both parties’ satisfaction and resolve Mr. [redacted]’s complaint.

Review: I got a bedroom set for my daughter in adora furniture in hackensack nj and they offered to open a credit with Duvera for 6 months adora told me that if I pay in 90 days will be the same as cash but after the 90 days period they will start charging me interest my balance with adora was $1,454.00 for 6 months I calles today because I want to make my last payment and they laugh on my face saying that I still have to pay them 1,200 on top of the 1,454.00 I dont know where they have that balance hidden because when I signed in adora they only gave me the las page to signed I being calling them and they hang the phone on me and told me that I am going to receive a copy of the papers that I signed I being making payment twice a month of 240.00 monthly and I never receive a single paper or document from them can somebody stop this people that are stealing with a business license basically I will end up paying the same bed twice please help me.Desired Settlement: want does charges to be review because is unffair to pay to them 1,200 on interest or more of what is require by law customer service rep are nasty and dont want to help the customers and ask them to stop tricking the customer just giving them the last page to sign I trusted them and look what happened to me now the have my daughter bank account and are taking money from them I will end up paying the same bed twice thats not fair

Business

Response:

January 27, 2014

Revdex.com

4747 Viewridge Ave Suite 200

San Diego, CA 92123-4389

Attn: [redacted]

RE: [redacted]

This response is to a consumer complaint 9890639 in regards [redacted] - [redacted] St. [redacted], NJ 07601

In reviewing this complaint, Ms. [redacted] is questioning the conditions of the contract.

As of January 21st 2014, Duvera was notified that Ms [redacted] is filing Bankruptcy and has retained Attorney Low & Low 201-343-4040. Per instructions provided by our attorney we should only notify the Revdex.coms of that fact as we seek a resolution if this loan can be added to the bankruptcy due to the date of the contract being enacted.

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

Sincerely,

Directors of Billing Services

Duveral Financial

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 9890639, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

iam not satisfy with this because due to the fact that this company was charging me double the price for for the bed last time that I called the customer service rep humiliated me this is not fair if I file bankruptcy was because have no other choice after this company did this to me iam a hard working women and I dont have a tree full of money and the government have to get deep inside of this company procedures and how their are giving the loans and in what terms because the only letter that I received from them was a bill today 02/04/2014 asking me to sent $140.00 if I called them on January 21st to informed that I filed bankruptcy why on January 24th the created that bill if they know iam protected by the New Jersey Bankruptcy law? company like this is dangerous for honest people that live under the level of poverty and still try to by the things they need.please do something with this white-collar thieves

Regards,

Business

Response:

Will let the bankruptcy courts decide if this loan is dischargeable

or not . She signed the contract agreeing to those terms.

Duvera Financial

Review: Duvera Financial has been nothing but a huge headache to me far as for their customer service and helping dispute issue with their customers. Since I had a contract for furniture with them through a company I always purchase from and complete my 90 day contracts. Well with Duvera when I would call in to check status or anything the service was terrible, never got exact or full information. My contract ended in feb on the 13th I believe, on feb 3 I called and had a payment made and asked for confirmation and email but nothing could be given. So Duvera waited till end of the month and charged me for the 189% finance charge and months of march and april. I did not authorize payments and bank stopped payments, so my bank refunded my money. I tried to dispute last payment to Duvera for remaining balance of $138.?? cents but no resolution so I got charge $50 more for returned funds and late payments. Now I owe $287.00 and Got emails now coming and statements online all of a sudden. A gentlemen [redacted] from corporate I believe has been no help and told me things like " Not going to Happen", " Very disappointed with you, thought you were a straight up guy". I had threats saying if I dont pay they will mess my credit up. This is not the way a company should handle things.Desired Settlement: I would like Duvera to take off extra unnecessary charges. In feb my remaining balance was around $138, I would like to settle and them to send me a bill by mail for $150 and dispute this unwanted experience, and take off any files on my credit report if reported. Thank you

Consumer

Response:

Hi my name is [redacted], I had recently made a complaint about Duvera Financial and I was able to dispute with them, can you please delete my complaint thank you

Review: I had and inquiry on my account the rep refused provide me with any information and refused to handle my call. I then was transferred and hung up on. I was polite to the rep and used no foul language or was rude in any way. I was simply calling to payoff an aaccount and before I gave them hundreds of dollars wanted a little bit of information.Desired Settlement: I would like my questions to be answered by a friendly staff member and an apology for my mistreatment. I would like the company to understand that mistreatment of your customers is not a proper way to run a business.

Business

Response:

April 8, 2014

RevDex.com

4747 Viewridge

Ave Suite 200

San Diego, CA

92123-4389

Attn: Sherida

Green

RE: [redacted]

This response is to a consumer complaint [redacted]

in regards [redacted]

[redacted]

In reviewing this complaint, Ms. [redacted] is

requesting an explanation on her communication with a member of the Duvera

billing staff.

First I would like to apologize

to Ms. [redacted] on behave of the Duvera billing staff for her most recent

communication. Without consumers like Ms. [redacted] taking the time to let us

know, we at Duvera would not be able to improve. I will review all

communication for that day and make the necessary counseling suggestions with

each of the 3 agents she spoke to.

We hope this issue will not deter

Ms. [redacted] from using Kahuna flex pay in the future for her next purchase.

Again I would like to apologize again on behave of the Duvera billing team for

having her spend the time to write this complain when it could have been

handled in a more professional from the start..

If you

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

Sincerely,

Directors of Billing Services

Duvera Financial

Review: My mistake was to think a online business could make me rich. I invested money $3000.00 I should of save. This company claim they would guarantee I would make $10000 dollar in six months and it claim if I was not satisfied with their program I could cancel and they would return my money. I try to cancel they said I only had a month to cancel and it was too late.I did try set-up web site solagueantiquefuriture.com. I could not get any antique company to sell me in consignment this is I ask online antique furniture to sell their product on my web site and I would charge them a fee for selling their items on my web site which LLC designs. They assign me to one their furniture companies. The furniture was not antique and the mark up was so high no one would buy it. This whole company is a scam and even if you can not get my money back warn other people like myself. Individuals who had to medical retired and can only work at home of these on line companies who claim making money online is easy but in reality its not.Desired Settlement: The return of my money and please warn other people of these online companies are fake and the only one is real ones are eBay or Amazon. Here they charge so many fees it hard to make any kind of product.

Business

Response:

RevDex.com

Review: I called to make arrangements to settle my account with Palomar. The representative I spoke to ([redacted]) and I agreed to an amount, and when I had that amount available and called back to pay it, he increased the amount. This happened at least 2 times. He was condescending and patronizing. When I called again, I asked to speak to another representative, simply because I didn't trust & had such a bad experience with [redacted]. He refused. He would not let me speak to another representative and also refused to let me speak to a supervisor. He was rude and said he would never let me speak with someone else; I either dealt with him or no one. I tried calling back several times and even when I got another representative they would transfer me to him (I'm assuming he marked my account somehow.) It seems [redacted] has decided to make this a personal issue. It is terrible customer service and unethical collection practices because he lied and changed the amounts several times. I am earnestly trying to settle my account fairly and he is making that impossible. It seems all he cares about is the commission (although he lied and said he doesn't earn any.)Desired Settlement: First and foremost I would like to deal with another representative. Secondly, I would like to settle my account for the amount [redacted] first told me ($1135.00) and I would like a letter of deletion for the collection sent to the credit bureaus. Because of his terrible treatment of me, I don't believe he deserves to receive any commission on the settlement but will leave that between him and his employer.

Business

Response:

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

In reviewing this complaint, Ms. [redacted] is requesting that she deal with another agent since her

original agent was rude and uncooperative.

Upon review of all conversations made on June 02nd during the initial communication there was

definitely a communication conflict. I can see why MS. [redacted] responded the way she did. Upon

review with of future conversations it seems both parties worked out the differences. Final payment

was made, processed and the deletion request sent to all of the reporting credit bureaus.

I have spoken to the agent in question and explained it is the customers right to speak to a supervisor.

I apologize to MS. [redacted] and thank her for bringing the account and conversations to my attention.

Even the most seasoned agent's need a refresher course is Customer [redacted] I am glad that this

account has been satisfied to both parties mutual satisfaction.

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

Sincerely,

Directors of Billing Services

Duvera Financial

Consumer

Response:

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

Thank you for following up with the agent and with me via this forum.

Regards,

Review: I called Duvera to try and make a payment arrangement. [redacted] is the person who usually handles my account and this is who I spoke to this morning. Whenever I talked I was interrupted and when I asked him to please stop talking he raised his voice. I asked if I could make a partial payment and he stated that it wasn't good enough but he would gladly accept payment but it would go to collections anyways. When I tried talking to him more, I again could not get in a word without him interrupting me. When I stated he was being rude and unprofessional he stated, "Here is rude," then preceded to hang up the phone on me. The last time I called and made an arrangement to lower the monthly bill he stated that after 3 months if I needed to make changes or couldn't make payments to please call back and we could work out something. When I called today to do so, this is how I was treated. I am furious that I am trying to make my account current and make a payment and was treated so poorly.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like my payment to be accepted and my account to be current. As well as lowering the monthly payment due to being out of a job which I stated the first time I talked to [redacted]. He stated the first time they are always willing to work with their clients and when I called to make an arrangement this time I was hung up on. I am attempting to keep all my accounts current. Or I would like a buyout for the remainder owed.

Business

Response:

May 1, 2014

Revdex.com

4747 Viewridge Ave Suite 200

San Diego, CA 92123-4389

Attn: [redacted]

RE: [redacted]

This response is to a consuner complaint [redacted] in regards [redacted] N [redacted] Apt [redacted]- Chandler, AZ[redacted]

In reviewing this complaint, Ms. [redacted] is requesting her account become current, we accept her payment to a lower amount. To be offered a buyout on her current account.

First I would like to apologize to Ms. [redacted] on behave of agent [redacted] as there seems to a communication issue. I will review the phone conversations and make the necessary counseling suggestions.

Am I a little confused as I thought myself and Ms. [redacted] was in the midst of negotiating a payment plan so we may forgo involuntary collection action about to be taken against [redacted] (co-x). Since the demands within this complaint cannot be met it might be best that we forgo the negotiations and go right to the involuntary collection action.

This loan is in default. Ms. [redacted] should understand that she lost all her rights under the original contract. The balance is due. The offering of a payment plan was only a courtesy to help.

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

Sincerely,

Directors of Billings Services

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have spoken to [redacted]. We have arranged a different payment plan and I am satisfied with what [redacted] and I have spoken about which is different from the statement.

Regards,

Review: I purchased furniture from the Midwest Clearance Center and it was financed through Duvera. The total came to $572. The day I purchased the furniture I paid half of the amount totaling $285 and some change. I then paid $53 followed by a payment of $73. I tried to pay $100 in March and Duvera sent the check back to saying they could not accept payment and had turned the account over to a collection agency, eventhough I just received a new bill a week before. I contacted the collection agency and was told that I own over $800($572 plus 180% in interest) since the furniture wasn’t paid off in 90 days. I explained that I have paid a total of $414 and was told that it didn’t matter and I still owed the original amount of $572 plus interest eventhough I’ve already paid $414 and that amount would not be applied to my bill and I will have to pay the over $800 despite having made payments.Desired Settlement: I would like the $414 that I have already paid be applied to the $572(the original amount of purchase). I want to not be charged 180% interest and be allowed to pay off the remaining balance of $158. Once the $158 has been paid the account be considered paid in full. I don't know if this has been reported on my credit report, but if it has I want it removed.

Business

Response:

June 16, 2014

Revdex.com

4747 Viewridge Ave Suite 200

San Diego, CA 92123-4389

Attn: [redacted]

RE: [redacted]

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

In reviewing this complaint, Ms. [redacted] I assume is requesting to be allowed to pay the same as cash option that was given to her within her original contract.

Correction: Duvera did not fmance her contract. Duvera was the billing service of record on her account. The original financier was Kahuna payment solutions.

On March 31st 2014 her account was returned to Kahuna as a delinquent account (90 days past due). The total paid on this account during its stay in billing was $131.44.

MS. [redacted] will need to contact Kahuna payment solutions at ###-###-#### to discuss her payment/contract issues detailed in this complaint. When the account was closed and returned back to Kahuna a deletion request was sent to the reporting credit bureaus deleting the Duvera/Kahuna trade line from MS. [redacted]'s credit profile.

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

Sincerely,

Directors of Billing Services

Duvera Financial

Review: This company is unethical all the way around. They have processed unauthorized payments from my account and when I tried to tell them I did not set up the payments, the representative kept trying to talking over me, I asked the representative about the account and the only thing she said was the balance was around 1000 and something and asked me if I like to payoff today. I stated to the representative, no I do not have an account and didn't authorize the payments, she continued to ignore me and talk over me and I asked to speak to the supervisor and the supervisor was just as rude. When I tried to ask questions about the type of account it was, they ignored the questions the supervisor the stated there was a balance of 1500.00 something owed then she stated 1400.00 and something. I kept asking about the type of account it was and then the supervisor proceeded to rush me off the phone and then eventually hung up on me.Desired Settlement: I want my account refunded back the money they processed.

Business

Response:

June 16, 2014

Revdex.com

4747 Viewridge Ave Suite 200

San Diego, CA 92123-4389

Attn: [redacted]

RE: [redacted]

This response is to a consumer complaint 10084714 in regards [redacted] Ave [redacted], VA [redacted]

In reviewing this complaint, Ms. [redacted] claims we were un-authorized to draft payments and that we did not allow her time to present her explanation when we called on this issue and a refund of all monies paid.

In response to her claims I have attached a copy of her contract. Within that contract is an (EFT) Electronic Funds Transfer authorizing the debits. Included a present payoff balances and her payment history. All requests for a refund would have to be approved byE- commerce holdings. See contract for their number.

On June 9th we called MS. [redacted] to recover a returned payment received the previous day. During that call MS [redacted] authorized a debit of $200. She also provided a new card from which the payment was to be drafted. See note from file below.

06/09/14 11:12AM pallonetti: Clld wk# customer said why aren't we calling her on her cell phone ,told don't have cell phone only has wk#,said I don't know why I gave them my cell phone, told payment returned invalid card & asked for new method of payment ,said why are you calling me is not even 30 days past due, told we have to call w/in 2 days, made $200 payment w/new mop she gave to be applied to both June/July payments, was ending call & forgot to give conf#,gave when she asked & she got mad, req Supervisor, transferred to voice mail as unavailable.

About a minute later she called back and I was transferred the called - She promptly explained that this was the worst customer service she has been involved with. I promptly apologized. Explained I will listen to the call and make the necessary corrections/counselling suggestion to the agent. I am afraid my resolution to this issue seemed not be good enough for MS [redacted]. She became very aggressive and confrontational so I ended the call as not to escalate this issue. Her last comment was that she would be writing this compliant to the Revdex.com.

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

Sincerely,

Directors of Billing Services

Duvera Financial

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I did not set this up and someone else is the person you must have spoke to, this is fraud and I feel I must be a victim of identity theft. I will attempt to resolve this on my own. Thanks for your time.

Regards,

Business

Response:

June 25, 2014

Revdex.com

4747 Viewridge Ave Suite 200

San Diego, CA 92123-4389

Attn: [redacted]

RE: [redacted]

This response is to a consumer complaint [redacted] in regards [redacted] 711 [redacted] Ave [redacted], VA 23320

In reviewing the response to the original complaint, Ms. [redacted] claims not to be the party which the contract is referring to and now is claiming identify theft.

During no time, during our communication concerning this account was the issue of identity theft brought up. Duvera will gladly review this request if Ms. [redacted] can provide us a copy of a police report claiming the fraud and an affidavit of forgery. Upon receipt of these documents a review will be done and the appropriate actions taken if needed.

Duvera will code her account as being "in dispute" for 30 days pending the receipt of the documentation request above.

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

Sincerely,

Directors of Billing Services

Duvera Financial

Review: I contracted Direct Business Lending in Utah, in Oct of 2013 to assist me with finding cash flow funding for my small business. In conversation with them over the phone they promised me cash flow funding within 30 days. I committed to a term payment of $144.55 for 24 months. Direct business lending apparently uses the services of Duvera Billing in Carlsbad CA to collect these payments.On January 28th I received an offer of $7500.00 from Direct lending and on examination of the offer it amounted to a store line of credit. It was not cash to place in my bank account to pay existing bills or for use with merchants of my choice. This was also the last communication I received from Direct Business Lending of any kind. I emailed them on Feb, 8th, March 24th, and April 10 of 2014 demanding cancellation of my contract for non performance I have received no response of any kind.Duvera billing was copied on the March 24th and April 10th emails.Despite my dispute with Direct Business lending Duvera Billing continued to remove funds from my bank. I have had the bank stop payments to Duvera. Duvera's sole response has been to to commence collections, they have been informed that their client Direct Business Lending is in breach of contract. Most recently I have received calls threating to file on my credit bureau if I don't pay and they have in fact filed more than 30 days late on my trans union file.I will not and can not be expected to pay money to a company that has been non responsive for nearly 3 months.Duvera Billing was notified to cease and desist and that any further activity on there part would be considered fraud. They persist in their activity and today April 14th I have received a letter claiming that their attempts to collect have gone unnoticed. Clearly they have not.Desired Settlement: I wish all further collection attempts to cease and the negative credit reporting to be removed from my credit bureau(s)

Business

Response:

April 22, 2014

Revdex.com

4747 Viewridge Ave Suite 200

San Diego, CA 92123-4389

Attn: [redacted]

RE: [redacted]

This response is to a consumer complaint 10010224 in regards [redacted] Dr. [redacted], TX [redacted]

In reviewing this complaint, Mr. [redacted] is requesting that Duvera cease all collections attempts and removal of all negative credit bureau reporting form his credit profile.

Per Mr. [redacted]'s request Duvera will cease all collection attempts and will code his account as being in 'Dispute" the next time we report to the Credit bureaus. All debit attempts were halted on February 21st when we receive noticed from Mr. [redacted]. We await acknowledgment from Direct Business Lending as to Mr. [redacted]'s request to be released from his contract is approved.

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

Sincerely,

Directors of Billing Services

Duvera Financial

Review: This company is BizFundingbuilder, they were suppose to help me get a loan. They never did, they would routinely avoid my phones calls. They would not return phones calls. I looked the company up on the Revdex.com website and the company is out of business and has Red Flag Alerts. I have emails where this company Duvera says they are DBA as BizFundingBuilder. They are in fact the same company. How can they charge me for work they never performed. How can a company that is out of business charge someone for fee's. I must add in the contract that I signed with the company I was told I would get my choice of office equipment or workout equipment. I told them I wanted office equipment. I never got the office equipment. I spoke with [redacted] and asked him about the equipment he told me that was if I signed up as a platinum member which I did. I never received the equipment or an explanation. I notice my credit score has gone down. I checked and saw that these people had the nerve to report me to the credit bureau. I lost a lot of money with them and now my credit is suffering because of it. I must add I also sent a letter to the Attorney Generals office. Something needs to be done about these people.Desired Settlement: I lost over six hundred and fifty dollars. I would like at least the six hundred and fifty dollars back

Business

Response:

January 27, 2014

Revdex.com

4747 Viewridge Ave Suite 200

San Diego, CA 92123-4389

Attn: [redacted]

RE: [redacted]

This response is to a consumer complaint [redacted] in regards [redacted]- 110-18 173rd St, Jamaica, NY 11443

In reviewing this complaint, Mr. [redacted] is requesting a refund of $650.

Duvera is just the billing service company selected by Precision Elite Sales Team DBA Bixfundingbuilder. That is are only affiliation with Precision. For all of Mr. [redacted] requests he will need to contact Precision

at. ###-###-####. A copy of the contract and pay history of payments ($180.80) made to Duvera is also attached to this complaint. Duvera has coded this account as being "in dispute" which will be sent to the credit bureaus the next time a file is sent.

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

Sincerely,

Director of Billing Services

Duvera Financial

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

Regards,

I reject this offer because they are all working in unison. They have a multitude of companies. i.e bizFundingbuilder.com is out of business. I am now dealing with precision elite. They are the same company just a different name. This is how they hide themselves from the government. There are alerts out for bizFundingbuilder.com, all they did was change their name. This is a sophisticated criminal organization. All one has to do is follow the trail. Bizfundingbuilder.com, precision elite, and Duvera financials. Why are all these different companies involved with this transaction. They are trying to protect themselves from legal issues while committing a crime. INCREDIBLE

Business

Response:

I suggest you contact Precession to confirm your theory.

Thank you

Duvera

Financial

Review: Duvera Financial is deducting payments for a loan on my account where services are not being offered. The company was Advanced Education Online which Duvera Financial offered financing. I put $[redacted] down and the remaining [redacted] was financed. For months I have tried to get ahold of [redacted] educational webinars, and products offered to sell products online using [redacted], and [redacted]. The last time I searched the web the website was no longer available. So I started to try to contact Duvera Financial on why or what was going on and reached an answering machine. Did not give mention to a company, just a answering machine telling me to leave a message. I have tried numerous times with no luck. I went to [redacted] and found out that I was not the only one with these problems, and have noticed that you have been able to help others regarding this issue. There are multiple companies working with them as a whole: A scam 1. [redacted],2. [redacted], 3. [redacted], 4. [redacted], 5.[redacted]. I am still having the amount of $[redacted] being deducted from my account, but want to stop this due to no services I paid for are being offered. My credit is important to me so I have not quit paying them. My banker told me to contact you on trying to resolve this issue. I appreciate all and any help you can offer me. I am home daily due to disability so I do not work at this time. Thank you.Desired Settlement: Either a refund of money, or released from their contract on payment of services not rendered.

Business

Response:

Revdex.com Complaint ID [redacted] Drive[redacted], TX [redacted] Duvera Financial was a third party servicing company on behalf of Successful Education Online. On February 20, 2013, Ms. [redacted] entered into a financing agreement with Successful Education Online for services relating to Internet Marketing and Online Educational products. Effective September 2014, Duvera Financial made the business decision to no longer provide third party servicing for Successful Education Online, and as of November 30, 2014 the accounts for this client, including this account, was transferred out of our servicing system and placed with a new third party servicing company. Duvera Financial sent a trade line deletion to the major credit bureaus at the end of March 2015. 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 month. Duvera Financial does not have any funds pertaining to this contract on behalf of Ms. [redacted]. Any further disputes relating to this contract with Successful Education Online need to be taken up directly with them or with the new servicing company. They can be reached at 888-[redacted]. We apologize that we cannot be of further help in resolving Ms. [redacted]’s complaint.

Review: Duvera credit billed me 275.00 for a collection account with aloha blue. I was told it would be removed from my credit and a letter would be sent stating a paid in full balance. I have not received a letter. When I contact them they don't answer my questions. And now it has gone on my credit I am being billed the same amount from a Palomar collection agency. I am trying to clear my credit up. After doing research it sounds like duvera is a phony business. Help I don't know what to do

Product_Or_Service: Payday loan with aloha blue in hollister caDesired Settlement: DesiredSettlementID: Other (requires explanation)

Would like it removed from my credit would like a refund and an explanation as to why Paloma's has it now when I already paid duvera.

Would like a receipt I paid it and the letter to have it removed from my credit. I am getting bills from duvera it shows on my credit palmar now I paid last month with duvera and now Palomar is reporting on my credit the same account they are the same company and it was reported long after I paid.

Business

Response:

February 16,

2014

Review: I financed the amount of $490.94 with this company with a 90 day Interest Free Promotion. The deducted $93.48 from my checking account on 12/23/14, 1/23/15, and 2/23/15. I called to pay the remainder of the amount owed on the 90th day 2/22/15, but the office was closed because it was Sunday. I then called them today 2/23/15 to pay off the $210.50 and was told because I was a day late I owe over $450.00. I advised I tried to call yesterday, but the office was closed and I was told too bad I should have called Saturday 2/21/15. I then asked to speak to a supervisor concerning this and lave left 2 voice mail for [redacted] at [redacted]. So far no return call.Desired Settlement: I just want to pay what I owe of $210.50 and not be penalized because their office is closed on Sunday. I checked all the paperwork I was sent and no where does it say anything about their hours or if your free interest promotion date falls on a Sunday.

Business

Response:

This relates to a retail installment contract between Mrs. [redacted] and The Furniture Wholesale Connection, Inc. dba Furniture Wholesale Direct which was purchased by Duvera Financial. Mrs. [redacted] signed a Retail Installment Contract (RIC) with The Furniture Wholesale Connection, Inc. dba Furniture Wholesale Direct on November 22, 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 $93.48 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 free promotion offer, expiring on February 22,2015. 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] did not contact our offices during our regular business hours prior to the expiration of her interest free promotion. Mrs. [redacted] has not disputed receiving the goods she contracted for or that she signed the contract. In short, we do not believe that Mrs. [redacted] has a justified complaint. Having said that, we want all of our client's customers to have a good experience with Duvera Financial. We did agree to extend the terms of the 90 interest free promotion to which Mrs. [redacted] accepted and paid the remaining balance of her RIC on 2/24/15 with no additional finance charges. This matter has been resolved to both parties satisfaction.

Consumer

Response:

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,

Review: I am currently within a three month interest rebate promotion. On 12/30/15 Duvera attempted to debit my bank account for the the 2nd payment of the promotion for which was returned and then resubmitted and PAID on 1/9/15 in the amount of $120.54, $85.54 monthly payment, $25 NSF fee, and a $10 late fee. Technically I still would have one additional payment due. To date I have made all required payments towards the loan of $434 including any fees. I called this morning and spoke with a representative to discuss the pay-off amount that would be due at the end of the month. She informed me that due to the fact that the 2nd payment of the three was returned that it invalidated the entire three month promotion although the payment was paid. She stated that they could charge me $150 to reinstate the promotion for which the the remaining balance due would only be $227.92. I informed her that was ridiculous and that first of all I went over the payment date with the furniture company in depth to ensure this would not happen. I work and get paid on whatever is the last day of the month and for the month of December that was the 31st. SO I know I would have never agreed to that date. I could totally see this happening if the last payment was returned, but a payment that was returned and paid all in the same 90- day period should not invalidate the promotion. I'm still within my promotion period.Desired Settlement: I would like Duvera to allow me to make my last and final payment of $227.92 on 1/31/15 and consider the debt paid in full considering that I am still within the 90-day and the second payment has been paid. The interest they will charge is at 199% on a $434 loan making the total owed $1026.48. The initial reason I agreed to this finance company is because it was stressed I had a 90-day interest free pay off. The home furnishing company did not disclose the due date or go over things that would invalidate the promotion. Their advertisement for this company only focuses on the 90-day with no prepayment penalty, yet it is noted on an electronic contract you get later, that you are unable to make an untimely payment because that would also invalidate the promotion. What is their definition of untimely, before or after, due date? I'm still within my promotion period and should be given the opportunity to complete it.

Business

Response:

Revdex.com Complaint ID: [redacted] This relates to a retail installment contract between [redacted] and Home [redacted]n which was purchased by Duvera Financial. [redacted] signed a Retail Installment Contract (RIC) with Home [redacted]n on October 30, 2014, along with an Application for Credit and an EFT Authorization Form. A 5 digit contract code was sent to [redacted] 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 [redacted]’s credit purchase and discloses, in accordance with Regulation Z under the Federal Truth in Lending Act, a payment schedule of $85.54 per month for 12 months, at an Annual Percentage Rate of 189%. As confirmed by [redacted] the contract also included a 90 day interest free rebate promotion offer, expiring on January 30, 2015. In addition, she signed the addendum for the 90 day interest free 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.” [redacted]’s December payment was returned due to insufficient funds which automatically disqualified her from the 90 day interest rebate promotion. In addition, her January payment was also returned due to insufficient funds. [redacted] has not disputed receiving the goods she contracted for or that she signed the contract. In short, we do not believe that [redacted] has a justified complaint. [redacted] did payoff her account early without any pre-payment penalties, as well as saved on future finance charges by paying off the contract early.

Review: I bought a contract for 1200 w/ [redacted] in [redacted], CA. Contacted Duvera Financial to get a pay off I was told my balance was $1271 (I've paid over $1000. I asked the customer service person how is that if I've been making payments every month for the last 6 months. His response was the interest rate was 189.0%. He pretty much told me with that type of interest rate I was never going to finish paying off my loan. This is WRONG ANF DECEIVING!. The day I signed the contract w/the auto shop, I was the last customer of the day. No one mentioned the interest rate, they were at a rush to get me out since they have already closed. I did ask them how much was the rate, they reply was "Oh you'll get something in the mail. Not once did I ever receive a notice from Duvera regarding my purchase I had made. Only one statement in April, and nothing more. As a single mom, I trusted this shop to get my car up in running so I can get from A to B, should I've known what sneaky individuals they are I WOULD NEVER SIGN any contract w/them. Now I am stuck w/OUTRAGEOUS bill. This is WRONG BUSINESS!!!!!!!!!!!!!!!Desired Settlement: I would like Duvera to ZERO out my account, and PLEASE STOP CHARGING SUCH HIGH INTEREST RATES TO CUSTOMERS!

Business

Response:

Revdex.com Complaint ID: [redacted] Place Unit [redacted], CA [redacted] This relates to a retail installment contract between Ms. [redacted] and Jo Lee and Ash & Associates Corp dba Meineke which was purchased by Duvera Financial. Ms. [redacted] signed a Retail Installment Contract (RIC) with Jo Lee and Ash & Associates Corp dba Meineke on April 6, 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 $228.52 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 July 6, 2014, which she did not take advantage of or contact our offices about prior to the expiration date. Duvera Financial received three payments from Ms. [redacted] totaling $685.56, and she stopped payment on her August 2014 payment and eventually defaulted on her retail obligation and has since been transferred to collections. Ms. [redacted] received several notices from Duvera Financial which were sent via USPS to the address provided on the credit application, which is verified to be her correct address. We also tried contacting Ms. [redacted] via the telephone for several months prior to her account transferring to collections in order to try and help Ms. [redacted] get back on track. 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. However, we want all of our client’s customers to have a good experience and we invite Ms. [redacted] to contact our offices and work out a settlement arrangement at a reduced rate which will work within her budget. The Recovery Department can be reached at 1-866-[redacted] We look forward to hearing from Ms. [redacted] and resolving any outstanding issues Ms. [redacted] may have with her retail installment obligation.

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Description: Billing Service, Consumer Finance & Loan Companies

Address: 1910 Palomar Point Way #101, Carlsbad, California, United States, 92008

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