Duvera Billing Services

Review: I called Palomar Associates disputing the debt they were attempting to collect. I never had any contract with Vacation Network Inc. and therefore have no obligation to pay any amount claimed due.

I explained that I never had any contractual relationship with Vacation Network, that my deceased step-mother may have entered into a relationship with them but I have no obligation regarding her estate. After explaining the details to one person, she transferred me to another collection agent and I ended up having to re-explain the the entire set of facts again, to someone only identified as "[redacted]". Afterward, [redacted] told me he did not care what I said, falsely stated that I was the Trustee of my step-mothers estate and therefore responsible for the debt. He continued to speak over my voice as I tried to again, re-explain the facts (that I have nothing to do with my step-mother's estate) but it was impossible. [redacted] was as uncooperative as possible and brings to light the stereotypical unscrupulous collection person of whom we have all heard.

I also noted that my voice was being recorded without my express permission in advance. Under Pennsylvania law, such a recording is illegal and subjects Palomar to civil damages as well. Additionally, since my initial call, within two minutes, I received a hang up call from Palomar. I received two more calls within a few minutes. Each time the person hung up.Desired Settlement: I would like Palomar to immediately remove me from all further collection efforts, do not call me again, and correct their file so that my name does not appear as the responsible party. I also do not want any reporting to any credit reporting agency.

Business

Response:

March 14, 2014

Revdex.com

4747 Viewridge Ave Suite 200

San Diego, CA 92123-4389

Attn: [redacted]

RE: [redacted]

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

In reviewing this complaint, Mr. [redacted] is requesting not to be contacted, stop all collections activity,

remove his name as responsible party and to not have this account report to the credit Bureaus.

Duvera is just the billing service company selected by Vacation Network to service their customers.

Duvera/Palomar will: A. Remove all of Mr. [redacted] contact information with concerns of this account. B

Immediately stop all collections activity, C. Will not report this account to the credit bureau(s) D. Can not

remove the name associated with this account with VN approval.

Concerning the conversation he had with our agent, I will review the conversation with the agent making

the necessary counseling suggestions on handling similar situations in the future. Concerning the repeating

phone calls I will review the phone log for that date and time frame. I would like to apologize on behave of

the Palomar Associate collection division for this unfortunate issue.

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

Sincerely,

Directors of Billing Services I Palomar Associates

Duvera Financial

Review: Several months ago my younger brother went in to purchase new rims for his car. The salesman at the establishment offered him financing for the purchase and at the time he was 18 and had little to no credit. The salesman then suggested that my brother have someone co-sign or finance the purchase for him. I agreed to co-sign the purchase and went ahead and signed an application for credit in-store. At no time since then did I sign or even know that the purchase was being financed at a 189% interest rate over the course of 12 months. Considering I signed the original application I'm not sure what can be done about this however I would like to report this company for having predatory lending practices and for a faliure to disclose all contract information prior to requesting a promissary signature.

Business

Response:

This

relates to a retail installment contract between [redacted] and [redacted] dba [redacted] which was purchased by

Duvera. [redacted] signed a Retail Installment Contract (RIC) with [redacted] dba [redacted] on Apri 15, 2014, along with an Application for Credit and an EFT

Authorization Form. A 5 digit contract code was sent to [redacted]'s personal

mobile phone with a link to all contract terms, which she confirmed receiving

by providing this code to the merchant. A copy of the contract and all relevant

disclosures were emailed immediately upon signing to [redacted], the email address provided by [redacted]. 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 $278.41 per month for 12 months, at an Annual Percentage Rate of

189%. [redacted] was also provided a 90 day interest free promotion offer,

expiring on July 15, 2014. Regarding [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]” . [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.

Having said that, we want all of our client's customers to have a good

experience. If [redacted] is having issues paying her contracted amounts going

forward, we would invite her to call in specifically to [redacted], VP

Operations at [redacted] to discuss modifying her payment

arrangements to something more manageable for her.

Review: I just call Duvera Billing Services LLC, from (760) 6025000 to discuss my account, because that account been on my credit report since Nov 2007, I was trying to offer them a settlement the Rep name [redacted] was very rude, he was talking over, screaming at me, I told him the reason I call, I was trying to pay a bill I don't have no knowledge of, he was not listening to me, he was rude and sarcastic. I suffer depression, I am shaking, I have bad palpitation sometime prevent me to breath in and out, calling the Duvera try to pay them but the Rep was arguing with me instead to help meDesired Settlement: If the Duvera Billing Services LLC cannot talk to me with professional manner, I want them to remove my name from Equifax credit bureau, that was rude and unacceptable.

Business

Response:

July 22, 2014

This response is to a consumer complaint 1013367 in regards to a [redacted] - [redacted]

In reviewing this complaint, Ms. [redacted] addressed her concerns on how she was spoken to by our

agent and that she wants this account removed from her Equifax credit bureau.

I would like to apology to Ms. [redacted] on behave of our agent with regards to the matter she was

spoken to. Since Ms. [redacted] was claiming fraud on this loan, I do believe the agent tried to

educate her on what would be needed in order to process the fraud claim. It seems that was not the

answer she was looking for. Going forward Ms. [redacted] used foul and unnecessary language and the

agent terminated the call.

We will code this account as being "in dispute" the next we report to the credit bureaus. If you

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

Sincerely,

Directors of Billing Services

Duvera Financial

Review: I had my car repaired with the help of this company who made my service repair whole by offering me 90 days same as cash and loaned me $1500. I went to pay off my payment yesterday and realized that they have already charged me $454.74 at a 189% interest rate which is absurd and sounds extremely illegal to charge a consumer that type of interest rate inside the 90 days. My contract was put in place on 2-27-14 which puts me well in the terms of paying it off same as cash. Please help me straighten this out because this can not be a fair way to do businessDesired Settlement: $454.74

Business

Response:

July 1, 2014

Revdex.com

4747 Viewridge Ave Suite 200

San Diego, CA 92123-4389

Attn: [redacted]

RE: [redacted]

This response is to a consumer complaint 10046465 in regards to a [redacted] W [redacted] Glendale, AZ [redacted]

In reviewing this complaint, Mr. [redacted] had questions concerning the amount of interest applied from previous payments and the same as cash program.

Our web site and statements reflect only the contract amount of your purchase since the same as cash (SAC) offer is only an option to your original contract. All interest paid will be credited towards your payoff amount if you meet those interest free qualifying conditions.

Mr. [redacted] met his interest free qualifying conditions on May 12th. His total amount paid of$1500 equaled his amount financed. No interest was charged. His account is now closed and recorded as paid in full.

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 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 have spoken with the manager [redacted] through email. He told me my payoff amount was $1300.00 as long as the payment was made by Feb 22, 2014. I made a payment of $1300 on Feb 12, 2014. My account to this day still has not been updated to show that my account is paid off. I have tried contacting Duvera by phone and email numerous times to get my account updated to show the zero balance that it should.Desired Settlement: Adjust my account to show that I no longer owe any money on my account to Duvera.

Business

Response:

The remaining balance is the amount of the write off that is scheduled to be written

of by months end - This account has been

paid in full

Review: In attempt to find other and/or additional income I ran across possibilities on the computer. At this present time I continue to be harrassed with phone calls after I have directly spoken with individuals on the phone stating I do not have income flow to cover and have not been able to benefit from any services. My bank advised me to change my bank card so no more payments are able to pull. In the past Duvera has withdrew $134.84 on 5/30/13, $134.84 on 7/02/13 and $299.00 on 4/30/13 under [redacted] with a phone [redacted]. I believe they are connected with other companies which transactions pulled from UT totalling around $967.96. I am bombarded with phone calls most of time not leaving messages. When I have personally spoke with someone they refuse to listen, I tell them to please take me off their calling list and I have no income to cover for any payments. One person demanded a payment plan and was very rude and biligerant to me on the phone. I believe in the end he hung up on me. I believe this is a very wrong way to access other person's money and needs to be stopped.Desired Settlement: I believe I have been violated financially in my privacy and only right to have refund and would appreciate very much to have all these numbers to discontinue contacting me. These companies appear to work together in withdrawing money and have various locations and phone numbers from which they conduct.

Business

Response:

September 30, 2013

Revdex.com

4747 Viewridge Ave Suite 200

San Diego, CA 92123-4389

Attn: [redacted]

RE: [redacted]

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

In reviewing Ms [redacted] complaint, she is requesting that these be no more further contact.

Duvera billing will honor Ms [redacted] request for no further contact. I suggest Ms. [redacted] contact Your Ecommerce Support ([redacted]) to request her accounts cancelation and to request a refund. Duvera billing has no authority to honor her request to have the account forgiven or authorize a refund. Duvera will continue to report to the credit bureaus, Ms. [redacted] delinquent account unless otherwise requested by Your Ecommerce Support not to. Duvera will change the status of our credit bureau reporting on this account to "In Dispute".

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

Sincerely,

Directors of Billing Services

Duvera Financial/ Palomar Associates

Review: My complaint involves credit issues I purchased a bed for my daughter. I paid the bed off in three months. The balance was $1725. It was paid off in May. I purchased the bed in February. I'm trying to clear up my credit. These people still have me with a balance of the $1725. When I called them, they said they reported me as paying on time. I told them that that's not the point. I need the account to indicate that it's closed. This was in July. I checked my credit last week and it's still in there as open. I called them back this week and the young girl who answered the phone hung up in my face when I asked her about taking it out.

Please make these people take this off my credit. It's showing up and is causing issues with my debt-ratio. Thank you very much.Desired Settlement: I want them to show this account as closed. To send something to the credit bureau showing it as closed immediately.

Business

Response:

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.

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,

[redacted] Although this account was transferred to Duvera, this account is still showing up on my credit report. This was a three-month, no interest account. I paid this account off in the three months. Duvera still has this account on my credit report. It indicates that this account was paid in full, but when I get my credit report, it shows that this account is still open with a balance.

Review: I purchased a puppy from The Puppy Den in December 2013. They advertised financing for 6 months and completed the paperwork online at the time of the transaction. The store had computer issues and could not get the printer to print out a copy of the contract but said I would receive one in the mail or via email. A new employee was working and could not get online form to work and had to call in the owner. The owner also could not get the financing paperwork to print out. I did not like leaving without the paperwork however it was Christmas Eve and I felt I had no choice. The financing was done through DUVERA and a debit started coming out of my account in January for 187.00 (the amount I was told by The Puppy Den - 187.00 for 6 months.) I recently saw that the 187.00 is still coming out of my account. When I contact DUVERA I was told that this would continue through December (12 months rather than 6 months) at a rate of 189% interest. I have never heard of such an interest rate and am not sure if this is even legal. I contact the Puppy Den and was told that they no longer do business with DUVERA. As I am typing this out I am not sure that my complaint should not be against them as well, however, I believe that they were also taken advantage of by this company. Please advise.Desired Settlement: The purchase price of the puppy was 895.00. To date I have paid $1,683.00. I would like no further payments to be taken from my checking account and a refund of the amount above what I was told which was 6 x 187.00 + $1,122.00 (an overpayment of $561.00)

Business

Response:

Revdex.com Complaint ID: [redacted] Dr.[redacted], AL [redacted] This relates to a retail installment contract between Ms. [redacted] and The Puppy Den, LLC which was purchased by Duvera Financial. Ms. [redacted] signed a Retail Installment Contract (RIC) with The Puppy Den, LLC on December 23, 2013, along with an Application for Credit and an EFT Authorization Form. The contract also included a 90 day interest free rebate promotion offer, expiring on March 23, 2014, which Ms. [redacted] did not take advantage of or contact our offices about prior to the expiration date. Ms. [redacted] initially contacted our office on September 8, 2014 to discuss the details on her account and was upset to find that we were still debiting her account for her monthly payment of $187.45 even though she was still within her 12 month repayment term. 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 Ms. [redacted] was able to take advantage of paying off the account early without any prepayment charges and saved $364.36 in finance charges. We believe this complaint has been resolved to both parties satisfaction when Ms. [redacted] contacted our offices on September 12, 2014 to pay off her account. The account is considered paid in full and we believe the complaint is closed.

Review: On August 16th, 2014 I went to a local bike shop to purchase a bike. The bike I wanted was something I couldn't afford but the employee said they offer financing through Duvera Financial. I applied and was approved for just enough of the bike's cost. I received multiple emails stating my approval and included in those emails was a key code to access my contract through a separate email I would be receiving. I never received my contract details. I went to the bike shop and the employee told me he had the contract details. The bike cost $463.25 with taxes included and my monthly payment would be $91.31. I was never given a copy of my contract because I was told it would be emailed to me. After making 4 monthly payments to Duvera Financial, I decided to give them a call to check my remaining balance. The agent on the phone was very rude and didnt explain anything to me and I was told over the phone that my remaining balance is $517! I was never told my interest rate was 199% and that the almost $400 dollars I have paid went to interest alone and only $71 dollars of that actually went toward the cost of the bike. Now I am being forced to pay almost triple of what the bike actually cost that I can barely afford now because of bills and other cost of living. To anyone else reading this, don't ever do business with Duvera Financial.Desired Settlement: I would like the interest rate to be taken off so I can start paying the cost of the bike off.

Business

Response:

This relates to a retail installment contract

between [redacted] and [redacted] dba

Live 4 Bikes – [redacted] which was purchased by Duvera Financial. [redacted]

signed a Retail Installment Contract (RIC) with [redacted] dba [redacted] – [redacted] on August 16, 2014,

along with an Application for Credit and an EFT Authorization Form. A 5 digit

contract code was sent to [redacted]'s personal mobile phone with a link to all

contract terms, which he 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 $91.31 per month for 12 months, at an Annual

Percentage Rate of 199%. [redacted] was also provided a 90 day interest free

promotion offer, expiring on November 16, 2014. Regarding [redacted]’s concern

over the APR, California law permits the rate as negotiated between the parties,

as noted in the provided civil code. 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]”. [redacted] has not disputed receiving the goods he contracted for

or that he signed the contract. 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 good experience. If [redacted] is having issues paying his contracted

amounts going forward, we would invite him to call in specifically to[redacted], VP Operations at [redacted] ext. [redacted] to discuss modifying his

payment arrangements to something more manageable for him.

Review: My Husband and I Purchased A New Stereo For Our New Car. We Got Financed Through Duvera. We Owed $1300 and from the day we got financed we had to make a payment within the next month. They Pulled out 219.68 without permission and failed to tell me why. I contacted them and they said it was a deposit, Which I had no idea about but was fine with. I was told that if I pay the 1300 off within the first three months that there would be no interest. I paid the first payment within the first week or two. I Paid Off 440 and from that they took over 75 for interest, and it took them over 5 days to pull the money out. I asked them why and they said that at the end interest will be applied to the payment. The next payment was two weeks after the first, still before the first actual payment was due, and this time I had the money come out of my savings. It was taking forever to be pulled out, I contacted them twice asking why, and they said its been taken out just wait til the day after to see it on my account. I was notified that my payment was returned, which I guess made my contact no longer interest free, and it was because money couldn't be pulled out from savings. I notified them asking for an exception due to the fact that I was never late on a payment nor did I have knowledge that payments were not able to be pulled out of my savings. They never contacted me back. I contacted them again and told me the same thing. I continued to say the same in the last email which they didn't reply to. I asked for and exception, he said my contract isn't allowed for extensions, so obviously he didn't read my email carefully. I said I didn't need any extensions, I was asking for an exception, he wont reply now. Their interest on my second payment of 400 was over 100$. I am very stressed out, which I shouldn't be. I have enough on my plate dealing with being pregnant and my husband gone on deployment. I just want this to be over with.. I Still owe 480 which I am more than happy to pay, yet their telling me I Owe more than $700. I refuse to pay that and cant be under this stress.Desired Settlement: I would like to just pay the Rest of the $480 and receive my deposit back. If they refuse, I would like a total refund due to negligence to reply to a customer and bad customer service.

Business

Response:

October 17,2013

Revdex.com

4747 Viewridge Ave Suite 200

San Diego, CA 92123-4389

Attn: Sherida Green

RE: [redacted] T [redacted]

This response is to a consumer complaint [redacted] in regards to [redacted] T [redacted]- [redacted] Rd El Cajon, CA [redacted]

In reviewing this complaint, it seems to be from a [redacted]. I guess one might assume she is a relative of [redacted] T [redacted]. Please note on the attached copy of the contract there is no signature or reference to a [redacted] on the contract document.

I have attached a copy of the contract agreed to by [redacted] T [redacted] electronic signature. I have also hi-lited portions of the contract as it pertains to retuned payments and how it affects the same as cash option and the announcement of the security deposit and when it will be attempted. One must assume that [redacted] did not share this contract with [redacted] since from the complaint [redacted] was unaware of these two issues. With concerns to how a payment is detailed since the same as cash is only a option to the original contact all payments are applied as a regular payment with interest being accrued. If and when the consumer requests to make the same as cash payment or obtain a payoff quote all interest is credited back as principal and the new payoff amount is provided. Concerning the wording of extension to exception I am guilty on all charges.

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

Sincerely,

Directors of Billing Services

Duvera Financial/ Palomar Associates

In 2009, I was ill and had just spent almost 2 months in the hospital, almost dying at least three times, spending 5 years recovering from my illness. I was late one night in Jan 2010 and saw Anthony Morrison Advertising for Profits. I was desperate, worried about my family and how we would survive. I sent for the book, which was supposed to be $19.95 + $9.95 s+h. When the book arrived it was not one but two. When my wife was checking the ban statement she saw several withdrawals for varying amounts, ranging from $29.99 to $69.99. From different companies named VPS which was the $39.85, ALP learning $29.95, VPS $197.00 and ITS training for $319.00. for a total of $585.80. My wife contacted them and the response was "oops we made an error". Anthony Morrison's "team, were relentless with constantly calling and harassing him to buy more and more! I put the phone on speaker to hear them and the man told me, you need to support your husband? I said nope not in this scam.I will never be in tune with a scam or a scam artist like Anthony Morrison! He insisted it is not a scam.And told me "don't be ignorant!" I asked them not to call again.My wife will continue from here. They kept needling away at him! The tried to convince him to spend more and more money. The bank was charged $162.25 We tried to contact Duvera billing without fail to beg them not to give Anthony Morrison a dime, it was a scam! We were never able to reach Duvera. No answer, no callbacks to any messages left! If you look at the loan docs you will see. Our rent is listed as 0.00. Our residency started on 1/1/1900. Our previous address started from 1/1/1900 to 1/1/1900. His job number is listed as 1/1/1900. Deny it Duvera, we have the "contract".He was out of work due to illness. Our credit was shot because of extremely limited income because of health. So who would give loan to someone who has no income other than disability which is only for a year.And thatis what we had to live on! He was never informed about any "electronic signature" He had given his bank card for the purchase of the book and that is what they had access to. They were draining our bank acct. When I went over "the contract " the emailed him. I went over it with a fine tooth comb and saw there was three days to cancel. We tried relentlessly for those three days and could not reach anyone and no call backs. I went to our bank and explained everything. They were able to put back all but the $197.00 in the acct because it was past the time frame. I didn't know, we were trying to deal with it on our own, well I was.They had Visa launch an investigation and Visa found it was an error or unauthorized transaction occurred and the refund stayed. Meanwhile,they kept hounding me, and once they got the funds from Duvera Billing all contact stopped. He figured well if they got money that he will have to pay back, he might as well reach them and try to get something from them. He repeatedly called, left messages and no call backs. When he finally did reach someone, the response was "oh no one contacted you? I assure you I will make sure that someone calls you!. The first email from them was 01/18/2010 and the absolute last correspondence from them was 04/05/2010. They sold the loan to Paloma and they were relentless in their contact, rude, unprofessional and I painstakingly explained everything to the man who called and all he could get from the conversation was "Oh so you not paying this debt?" I said no it is not cut and ry like that. I asked for an address to send all the documentation. He gave me an address where I sent the priority mail to which it was said to be undeliverable! The post office sent it again for free for me and again it was returned. He gave me another address and the package was never returned!. I begged them to take us to court s we could stand before a judge with all our proof....and they stopped sending any correspondences to us but it remains on his credit report! And the fees keep adding up. I have contacted in Revdex.com in Mississippi since the beginning and all I was told is that we are in receipt of your complaint and nothing else! We have worked on rebuilding our credit since his illness, I have since been extremely ill and on disability because of the severity of my health. This is the knife in the knife in the knife in the wound because it has hampered us from getting a mortgage, or to even cosign for a small loan for our son to pay his tuition. And we do not know where else to turn or what to do. Duvera deals with this man who is a scam artist. I don't know if they are gullible or just don't care that they ruin people's lives. We just don't know what to do. I did contact the the FTC back in 2010 and same reply, we are in receipt of your complaint!

Review: On February 24,2014 I Paid off my account and the company put on my credit report that the account was close but a balance of $52.00 and when I call them I spoke to the manager which was Mrs [redacted] and explain to her what they reported to the credit bureau and she told me that she couldn't change it that I had to dispute it with the credit bureau I told her that I had my pay off letter from then she said that in their record it show that I have a 0 balance and that I have to fight with the credit bureau I don't see why I have to deal with the credit bureau to get the problem corrected when they are the one that reported it to the credit bureau I want them to correct the problem with the credit bureau and state that I have a 0 balance with themDesired Settlement: I want them to correct the amount they reported to the credit bureau as soon possible and to let me know when the problem is corrected

Business

Response:

April 11, 2014

RevDex.com

4747 Viewridge

Ave Suite 200

San Diego, CA

92123-4389

Attn: [redacted]

RE: [redacted]

This response is to a consumer complaint [redacted]

in regards [redacted]

[redacted] Dr. [redacted], IL [redacted]

In reviewing this complaint, Ms. [redacted] is

requesting that her credit bureau get updated to reflect the correct status of her account.

A current electronic file has

been sent to the credit bureau which should reflect Ms. [redacted] current accounts

status. Processing time for this file could be 4 to 6 weeks. If that file does work we suggest Ms. [redacted]

file an online dispute with the credit bureau. Upon her filing of her dispute

the credit bureau has to notify me within 72 hours of her filing. They then

provide me access to her account to review and correct and wrong actions if necessary.

If Ms. [redacted] could forward me a copy of the credit bureau report she is looking at that

might help me expedite the correction. Fax 760-602-1211.

If you require further assistance, please do

not hesitate to contact me.

Sincerely,

Directors of Billing Services

Duvera Financial

Review: Was given wrong information and denied information about my account payoff amount. Was given a quote for payoff of the loan for one thing and then told another. When I asked further details as to who else I could speak with as to who or how the quote was calculated. Was denied such information and told it was none of my business. Also no one called me back I had to call back And leave several messages. The company was dismissive. The two quotes were over forty dollars difference. In a matter of hours and after having received a payment.Desired Settlement: I want to understand exactly how the quotes are so different and who is responsible for it.

Business

Response:

April 11, 2014

RevDex.com

4747 Viewridge

Ave Suite 200

San Diego, CA

92123-4389

Attn: [redacted]

RE: [redacted]

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

[redacted] Ave – [redacted], IL [redacted]

In reviewing

this complaint, Ms. [redacted] is requesting that we honor the same as cash quote

that was given.

The client has authorized Duvera

to accept the original quote given to Ms. [redacted]. Payment has been set for today.

The first quote Ms. [redacted] received was an estimate. She was told to call back

for a real time quote later that day or tomorrow. It seems her first quote was less

that her real-time quote. A miscalculation from the first agent she talked to.

If you

require further assistance, please do not hesi[redacted] to contact me.

Sincerely,

Directors of Billing Services

Duvera Financial

I am totally disgusted with this company. They such userers. They charge 100% interest. I DO NOT RECOMMEND THEM. My credit rating is ok when I applied for a $900 leather furniture in April of this year. I have made a total payment of $1,079.70 (automatic deduction from my checking account) todate. I just paid the balance off today $765.85. Had I not paid it off, I would be indebted to them all my life. Someting should be done to financing companies like them. Poor customers who have bad credit and bite the bullet to finance something thru them. AND THEY ARE VERY RUDE. The customer service agent I spoke to, Paige, was very curt and condescending. I can tell she was ticked off when I asked for their policy after full payment of an account, ie, when will they report to credit bureau. I DID NOT THINK A SECOND ABOUT CLOSING MY ACCOUNT WITH THEM. BEWARE.

Review: I recently had my isuzu rodoe repaired at "kirby II auto repair inc" in hemet ca. I was told by hani, the owner that he had a finance company that he caould sign me up for and pay 90 days same as cash. there are signs all over his office that support me, and I have pictures. I filled out paper work and he later submitted my application on 10/14/14 after I had left. I later returned to pick up my car and paperwork, he had me sign 2 additional pieces of paper on 11/3/14, repairs were said to be made, but my car was not starting or running right, and on 12/15, my car died, and had to be towed. I am currently waiting to see what is wrong. I then recieved my statement from duvera, stating that 251.62 would be taken from my account. I imediatly called duvera and asked about how to pay extra to meet the 90 same as cash and was told that it was not an option to me. I was also told that hani would be able to go back into the account and correct the mistake. I then called 2 days later, asked to speak to a supervisor, who apparently everyone who answers the phone there, is a supervisor, and she told me that there was nothing to be done. that I signed a contract. however the page of the contract with that infromation on it was later produced to me and I did not sign anything that said 12 months at 189 percent interest. I would never agree to pay such an ungodly ammout. I feel that I have been scammed. I called again, this morning and spoke to a woman named [redacted], who said she was a supervisor, but did have to give her last name due to privacy rights. which I can only assume is because the are conducting unlaw, unetical business practices. I feel there is a serious need to investigate this so called"financial service". no one should ever be forced to pay 189 percent interest without there knowledge. I am devistated and would like to see some sort of resolution, maybe some information on what I can due as a victim of this scam.Desired Settlement: I would like my account to be made 90 days same as cash, from the date I signed upon repair 11/3/14. or to be able to settle my payment with the owner of kirbyII auto. I do wish to have anything to do with such a financial instution that will lie, cheat and scam people, but will not provide a full name.

Business

Response:

[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.

Review: On 11/05/2014, I opened up a line of credit through Duvera Financial for a gas scooter. I made a single monthly payment every month, as per the agreement. On 04/05/2015, I placed my monthly payment for $164.66, which cleared on 04/06/2015 according to my bank statement. On 04/07/2015, a second charge for $164.66 showed up on my bank statement. I contacted Duvera Financial in regards to this double payment being taken out.

I spoke with [redacted], who when I asked why they processed the payment twice, started to give me excuses, first blaming me saying that I placed the double payment. When I told her that I did not place the double payment, she then proceeded to state that it was an automatic payment, to which I had called and had removed. I was then told that it would be up to 10 days before I would see the funds back into my account.

I called back on 04/14/2015, after getting several calls from my bank due to other checks for bill payments being declined for insufficient funds. I asked once more when would I see the refund to my account and was stated that I should see it no later then Friday 04/17/2015. Nothing posted, and after calling my bank, nothing was shown as being pending.

I called today on 04/20/2015, and once again asked about the payment being refunded. I was once again placed on hold, and come back to, told that "we told you on 04/14 that it would be 10-20 days, you need to wait", which set me off.

As it sits now, I am unable to pay my rent, thanks to Duvera's inability and unwillingness to correct a billing mistake.Desired Settlement: I want the amount that they withdrew in error refunded back to my account, as well as having my bill credited for one month due to their inapt customer service.

Business

Response:

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] 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].

Review: I received a letter from Duvera Financial back in August regarding electronic payments that I had allegedly set up to begin on September 1st of 213 for Advanced Education. I called Duvera on September 11th at approximately 2:25 PM MST and spoke with [redacted] to find out what this was regarding and I was told that it was for a 3-day real estate workshop through some place called [redacted]. [redacted] gave me a number to call and I was told by [redacted] that they would look into and call me back. This never happened. In October I again called the number given me by [redacted] and was told by [redacted], at the number for [redacted], that they could not find me in the system. At this time I was given the name and email address for [redacted] to file a dispute. I did so on October 25th and received an email in return from you that simply said “dispute noted”. But nothing has happened and I continue to get bills from Duvera and now Palomar Associates for what is not the amount of $1,027.02.

I again called Palomar (the collections division of Duvera) and talked to [redacted]. [redacted] refused to give me his last name stating that he was the only [redacted] there so I didn’t need it. So I explained the situation and he said all I could do was to email [redacted] at [redacted]@duvera.com. When I asked for your phone number he would not give that to me. [redacted] was very belligerent when I asked for information from him and wanted to know if I was recording the conversation.

I have received no help in clearing up this matter and I would like to get it resolved.Desired Settlement: I want them to remove me from their billing system and clear my name. I am uncertain if this is on my credit report or not, if so, I would like that cleared as well.

Business

Response:

March 03, 2014

Revdex.com

4747 Viewridge Ave Suite 200

San Diego, CA 92123-4389

Attn: [redacted]

RE [redacted]

This response is to a consumer complaint 9943108 in regards [redacted] - [redacted], Brighton, CO [redacted]

In reviewing this complaint, Ms. [redacted] is requesting to be released from her contact and to have this account removed form her credit bureau.

Other then conversations between her and the agents the only reason I assume she is requesting to be released from the contract is that someone named [redacted] (Advanced Education) claimed she could not find her within their system. I will attach copy of the contract that she signed on June 6th 2013 for her review. I suggest Ms [redacted] re-contact Advanced education upon receipt of her contact so they can work out the cancellation arraignments if that's what it turns out to be.

I would like to thank Ms. [redacted] for bring to my attention her conversation with [redacted]. I will review the conversation and make the necessary counseling suggestions. We are dedicated to treating all consumers with respect and the attention they deserve. Please accept my apology for this incident.

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

Sincerely,

Directors of Billing Services

Duvera Financial

Review: Went to Happiness is Pets in Orland Park, IL in October 2015 to purchase a dog and I was told that we could get credit to purchase the dog $1800 and pay it off in installments. Called to make final payment of $97 and was told that I had 7 more payments of $342.76 and I asked how could that be since we had made 5 payments of $342.76. I was told that I had a 90 interest free period and then interest would be 189%. I was never told that when I signed up in the store and the document that I was pointed to online stating the terms, I had never seen before nor is it my signature on the document. I believe that this was a store card like [redacted], I didn't even know that it was a financing company.Desired Settlement: I believe that I owe the $97 dollars and nothing more. This was entirely predatory. If I had been shown this at the time then I would have declined the financing and paid for the dog another way.

Business

Response:

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.

Review: Recently obtained a 90 day same-as-cash finance option for work on my vehicle. I tried to be proactive and make the payment ahead of time, much to my dismay, caused more problems than ever. I use separate bank accounts for bills and for leisure to make sure funds are allocated and budgeted appropriately. I made the pre-payment on a Friday. The payment AND the auto payment date BOTH drafted on the Wednesday following, resulting in 2 separate payments and for 2 different amounts. This caused 4 overdraft charges on my account. Customer service stated the duplicate payments happened due to a holiday weekend and altered processing schedules and I should provide a bank statement to show both were paid and they would refund the extra payment. It took over 10 days for this refund to take place. Now Duvera is refusing to credit the cost of the 4 overdraft charges as a result of the duplicate payment, though they admitted the error in processing both payments. I have emailed the Supervisor Lisa multiple times, to which I was told to call for further help. Then I spoke with Jason who said he was conversing with my bank contact for reimbursement, and I still have not heard back from him in over 9 days. I asked to be copied via email on his dialogue with the bank - no email was ever sent to my knowledge. This company has been difficult to work with and the customer service is far less than satisfactory.Desired Settlement: I would like the overdraft charges reimbursed to my bank account OR credited to the 90 day same-as-cash balance owed to Duvera.

Business

Response:

This relates to a retail installmentcontract between Ms. [redacted] and [redacted] Tire Warehouse which was purchased byDuvera Financial. Ms. [redacted] processed an online payment via our website forthe same day her account was scheduled for her automatic withdrawal. Thiscaused two payments to be deducted from her bank account. Ms. [redacted] contacted our office and arefund of the duplicate payment was refunded back to Ms. [redacted] along with arefund of one bank fee for $35.00. Dueto the length of time it took for the refund to credit to her account, shesubsequently received additional bank charges as other payments were deductedfrom her account during this time period. Ms. [redacted] reached out to our office again notifying us that heraccount was still in the negative and requested a refund of the additional bankcharges. We attempted to contact Ms.[redacted]’s financial institution in an effort to try and have them waive thesefees as a courtesy since we had already initiated the reversal of the duplicatepayment. Her bank was unwilling toremove these excess charges and in an effort to resolve Ms. [redacted]’scomplaint, we went ahead and reimbursed her an additional $105 for these bankfees. We believe this complaint to beresolved to both parties satisfaction and consider this matter to be closed.

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.

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,

Review: I do not have any contract with Duvera and they are charging me over $2,500 of a supposed account opened September 2014, which the company is harassing me by phone and threatening me to pay , a contract of over 150% monthly interest rate.Desired Settlement: Stop such actions, Attorney General was informed of illegal actions of company.I want cease to phone calls and correction in credit report.

Business

Response:

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].