Duvera Billing Services

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].

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: 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: I entered into a financing agreement with Duvera financial when I contracted with the now defunct Laser Cosmetica skin care (Now Truebody Medspa). I am being billed for services I never received. I was told that my account to Laser Cosmetica was paid in full which is why I continue to receive bills from Duvera even though the company no longer exists and I haven't received any of the contracted treatments since July 2013.Desired Settlement: Duvera should seek retribution from Laser Cosmetica, now True Body Medspa, as the contracted services were never given

Business

Response:

RE: [redacted]

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

[redacted], NY [redacted]

In reviewing this complaint, Ms. [redacted] is requesting that we seek financial retribution from

Laser

Cosmetica for the remaining portion of her unpaid contract.

Duvera is presently reviewing starting negotiation's discussing with True Body Meds Spa to service

the consumers left by the closing of Laser cosmetica. Good news for Ms [redacted] is that her

payment would remain the same. We are also going to offer those Laser cosmetica customers who wish

to discontinue their services a buy out of their contract. Ms [redacted] can contact me directly if

she wishes to discuss the amount needed to be released from her contract. We estimate the time for

negotiations with True Body at two to three weeks. I have attached a copy of her contract for

review.

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

[redacted]ly,

Review: The original creditor, Travel Partners USA, for which Duvera Financial is collecting has dissolved. Travel Partners USA is not able to provide the contractual services that were agreed upon as a result of the dissolution of the LLC. Duvera had unethically received payments even after the firm had dissolved.

Furthermore, Duvera representative, [redacted], is trying to collect payment for services that can not be provided by Travel Partners USA. He acknowledged that he is aware that the company is out of business but insists that I settle the account. I told him that I had made too many payments for the fact that the company dissolved in 2007. I had made several payments after that. He antagonized me by saying I had made only one payment before being problematic. I that were true, how could I have reduced the account almost $6,000 down to less than 50% of the original account balance?

Why should I continue to pay for a service that I can not receive from Travel Partners USA LLC?Desired Settlement: I simply desire that Duvera report with integrity to the credit reporting agencies. I am no longer legally liable for the account. My contract with Travel Partners USA is void.

Business

Response:

June 20, 2014

Revdex.com

4747 Viewridge Ave Suite 200

San Diego, CA 92123-4389

Attn: Guadalupe Perez

RE: [redacted]

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

In reviewing this complaint, Ms. [redacted] is requesting that her credit bureau be updated reflecting

a correct status.

There will be no further collection activity by Duvera. An account deletion request will be sent to

the credit bureaus the next time we are a scheduled to report. Duvera apologies for any inflamed

communication with the Duvera representative and herself.

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

Sincerely,

[redacted] V[redacted]

Directors of Billing Services

Duvera Financial

Unprofessional in contacting almost to the point of being rude. 96% interest rate for someone with a 700 plus credit score. Absolutely ridiculous. Re-financed with my bank after a year for a 12% interest. Did not tell the interest rate up front. Super sketchy, questionable legality. Stay away.

Review: I had to 10/24/14 to pay in full without finance charge. I paid $1300 on 8/11/14. I called on 10/23/14 to pay the last $200's they did not take my payment because they submitted my payment to my bank for the $200 plus$85.63 finance charge which caused me to get over draft fee. They gave me back the $85.63 but would not give me back my overdraft fees. I fill they were in the wrong because my contract said the had to 10/24/14 top pay without fiance charges and they went and put the charge and did not give me my charge from my bank. I called and called but did not care.Desired Settlement: I want them to pay my fees I was charged for putting in the payment without my knowledge.

Business

Response:

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

Business

Response:

We strive to ensure that every experience our customers have is a positive one. After further review of the case presented by [redacted], I have requested that our payment processing department remit a refund in the amount of $35 back to her checking account for reimbursement of the bank fee she incurred due to the confusion regarding her remaining amount owed.

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,

I called them to update my account with new billing information. They took money from the new account and old account. I emailed Rich Victor to get a refund for the money they were not authorized to take out of my old account. He insisted they would not provide a refund unless I sent him a bank statement with nothing blacked out (the statement I sent him had all other charges and $$ amounts except Duvera blacked out). I responded by letting him know it is none of their business how much money I have or where I spend it; their name shouldn't be on the account at all. Also, they can look in their own system and see that I was charged twice. I am now dealing with it through the bank by filing a fraud/unauthorized debit form.

Review: I never bought anything from any store luike they stating, and I told them this, but they keep sending me bills to pay for something I did not buy.Desired Settlement: tell them to leave me alone and clear me off any charges

Business

Response:

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

Review: This company falsely obtained my personal information and is taking funds out of my act and will not work with myself in correcting the situation.Desired Settlement: To have this business investigated and funds returned.

Business

Response:

In reviewing Ms. [redacted]'s complaint, she claims that a Company (no reference) falsely obtained her

personal information and to have the funds debited from her account be returned.

I see no reference in Ms. [redacted]'s complaint where it addresses any wrong doing by Duvera/Palomar

Associates. Duvera is a private 3rd party billing service hired by Prosperity Financial to service

their billing customers. Palomar Associates is the collection division of Duvera. I have attached a

copy of the contract digitally signed by Ms.[redacted].as well as a copy of her accounts payment history

showing no money drafted by Duvera or Palomar. Any refund due should be requested directly through

[redacted].

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

Sincerely,

Directors of Billing Services

Duvera Financial

Review: 5/28/2015I got a loan with this company to fix my truck, they are suppose to report this to the credit bureau every month this hasn't been done I've been a good paying customer I don't understand why they haven't done there part, I spoke with a Rep a month ago she said they would up date that hasn't been done alsothe balance is in correct I owe like $148.00 before the 17th of June. I've been paying on time to build my credit score please make corrections. My account # [redacted]Thanks,[redacted]Desired Settlement: Make correction on the credit bureau my balance is $148.00 which will be paid before the 6/17, I've been a good paying customer on time trying to build my credit up.

Business

Response:

This relates to a retailinstallment contract between [redacted] and [redacted]t, Inc. dba [redacted] which was purchased by Duvera Financial. [redacted]signed a Retail Installment Contract (RIC) with [redacted]t, Inc. dba [redacted] on March 17, 2015.The contractual payment amount is 87.35 and this has been received on time, andDuvera Financial has reported such to the credit bureaus. We believe the confusion around the balanceis a result of the 90 day interest rebate offer the customer has as part of herRIC. This promotion expires on June 17,2015 and if the amount financed is paid on or before this date and all terms ofthe promotional offer are met, then the interest paid is rebated to theremaining amount of the contract and then the balance will be paid infull. All payments received on theaccount are applied to interest and then principal and therefore, the amountreported to the credit bureaus is based off the payoff amount and not thepromotional balance. A review of thecustomer’s credit history with one of the major credit bureaus confirmed [redacted] account is being accurately reported. We reached out to [redacted] on June 4, 2015 to help clear up anyconfusion regarding the accuracy of her balance to the credit reportingagencies. After investigating the issue,we believe there is no validity to the complaint and this has been resolved toboth parties satisfaction.

Review: I purchased a puppy and was financed by Duvera Financial at an extremely unaffordable interest rate of 96%. In the store I was just explained the pay off balance and advised to sign a screen for the application. I made the purchase in April and is no longer allowed to have the puppy at my residence. I'm currently unemployed and is unable to afford the extremely high pay off. No one went over the terms or interest rate with me before leaving the store or I would not have made the purchase at all. I was emailed the contract once I left the store. This interest rate is impossible for anyone to afford. I have asked for settlement with the company and they have not been able to assist me. It is hard to pay for something you can no longer have but I am willing to pay for the dog. However, I can not afford to continue with the interest.Desired Settlement: I would like the account closed out so that I can pay what I owe for the puppy outside of the interest rate that was not explained to me in the store. I feel like I was scammed into a purchase. I am willing to return the puppy if I have to as well.

Business

Response:

This relates to a retail installment contract between Ms. [redacted]and Happiness is Pets VI, Inc. dba Happiness is Pets – Lombard which waspurchased by Duvera Financial. Ms. [redacted] signed a Retail Installment Contract(RIC) with Happiness is Pets VI, Inc. dba Happiness is Pets – Lombard on April17, 2015, along with an Application for Credit and an EFT Authorization Form.In order to generate the contract a 5 digit contract code was sent to Ms. [redacted]’spersonal mobile phone with a link to all of the contract terms, which sheconfirmed receiving by providing this code to the merchant. In addition, prior to reviewing and signingthe RIC, Ms. [redacted] had to answer security questions which pertained only to herpersonal credit report. A copy of the contract and all relevant disclosureswere emailed immediately upon signing to [email protected], the email addressprovided by Ms. [redacted] as part of the application process. The RIC clearly setsforth the terms of Ms. [redacted]’s credit purchase and discloses, in accordance withRegulation Z under the federal Truth in Lending Act, a payment schedule of $166.04per month for 24 months, at an Annual Percentage Rate of 96%. The contract alsoincluded a 90 day interest rebate promotion offer, expiring on July 17, 2015,which Ms. [redacted] did not take advantage of before the expiration date. Regarding Ms. [redacted]’s concern over the APR, Illinoislaw expressly permits the parties to agree to any finance charge, to be setforth in the contract. See Illinois code. 815 ILCS § 405/27, “Notwithstandingthe provisions of any other statute, retail installment contracts executedafter the effective date of this amendatory Act of 1981, there shall be nolimit on the finance charges which may be charged, collected and received”. Ms. [redacted] has not disputed receiving the goods she contractedfor or that she signed the contract. Having said that we want all of our client’scustomers to have a good experience and have attempted to contact Ms. [redacted] viaphone and email to discuss arrangements on this contract. If Ms. [redacted] is having issues paying hercontracted amounts going forward, we would invite her to call in specificallyto [redacted], Customer Service Manager at 1-866-438-8372 ext. 1200 to discussmodifying her payment arrangements to something more manageable for her.

I was supposed to receive a business loan from these people, and I've been making payments on time for a year and haven't seen a dime of the money they were supposed to give me. They've drained my savings and given me nothing. I wish I had seen that they had a D here before because I would not have done business with them or their affiliate, Impact KI.

Review: The company has processed an unauthorized charge to my business account with our authorization. We have never done business with this company. This company seems to be pretty shady.Desired Settlement: We just want our money back and hope this doesn't happen to anyone in the future. This company seems to be pretty shady.

Business

Response:

[redacted] contacted Duvera on March 18, 2015 stating apayment of $98.55 was deducted from his checking account without authorization.After researching this issue it was uncovered that [redacted] accountinformation was submitted in error on an application unrelated to our customer’saccount. [redacted] does not have anaccount with Duvera Financial and we agree the payment was debited in error,and would be refunded as soon as the funds were received, as it remainedpending with our bank and we had yet to be notified if the funds weresuccessful. Without documentation fromhis bank showing the funds had cleared, our standard procedure is to wait 10days from the transaction date before processing a refund. [redacted] was informed of this policy, but giventhat [redacted] and Duvera do not have business relationship, [redacted] didnot want to provide additional information to Duvera Financial to expedite therefund process. [redacted] went to hisbank and filed an unauthorized charge and the funds were revoked from ouraccount on March 23, 2015. [redacted]’sconcern has been addressed and based on the timely action to resolve hiscomplaint when he called in on March 18th we do not believe [redacted]has a valid complaint against our company or our business practices. However, we understand the frustration thatarises from these types of errors and apologize for the inconvenience to [redacted]

Review: I had a payment due on 12/7/2015.. now I called in my payment that morning. I told the representative that I would be using a different account and not to draft my usual account due to I had no funds available, but still wanted to make sure I paid on time and didnt want to get charged an overdraft on my banking account..the representative said she understood and would not draft my account but would take my payment that day through the new one being provided. that I would still meet my deadline and qualify for the 90 day interest free promotion and gave me my current due balance of 134.00 for January 2016. now they still went ahead and charged my account and overdrafted me and subsequently got a return payment..so they are saying I failed to make my payment due to the returned payment. which consequently they sent out on 12/4/15 to be pulled on 12/7/15 12:01am.. now the representative assured me I would be fine and that I made my payment on time.. but now its not the case.I spoke with a supervisor and she said she would listen to the recorded phone call and call me back..well still no call back and still on the hook for 9 more payments of 98.00 dollars...the current represantative I spoke with today on 12.21.15 said there motto is the customer is not always right and that came from her supervisor.. I asked them that they need to honor my payment and not charge me the additional interest because ive made my payment and the represantative assured me I would be fine..this bad customer service and I am dissatisfied with there service of not honoring what they said and my payment.. I am in a financial tight spot hence I seeked there service to allow me relief out of necessity and now they are just plainly overcharging me and giving me financial hardship to my already stressed financial situation.. I need help and would like them to honor my payment like there represantative did on 12.7.15 and leave me with the balance she assured me of 134.00

finally there customer service is bad arguing bad..Desired Settlement: that I still be left with the balance of 134.00 if paid in full on my next payment of January of 2016. still qualifying me for the 90 day no interest.. as there representative assured me of on 12.7.15 when I made my scheduled payment..that my payment be honored and given the consideration of good customer service

Business

Response:

This relates to a retail installment contract between Mr. [redacted] and [redacted] – Porterville which was purchased by [redacted] dba [redacted] Finance. Mr. [redacted] signed a Retail Installment Contract (RIC) with [redacted] – Porterville on October 7, 2015 along with an Application for Credit and an EFT Authorization Form. A 5 digit contract code was sent to Mr. [redacted]’s personal mobile phone with a link to all of his contract terms, which he confirmed receiving by providing this code to the merchant. The RIC clearly sets forth the terms of Mr. [redacted]’s credit purchase and discloses, in accordance with Regulation Z under the Federal Truth in Lending Act, a payment schedule of $98.31 per month for 12 months, at an Annual Percentage Rate of 199%. As confirmed by Mr. [redacted] the contract also included a 90 day interest rebate promotion offer, expiring on January 7, 2016. In addition, he signed the addendum for the 90 day interest rebate promotion which clearly outlined the terms of the promotion; “Interest charges begin accruing from the Contract Date, and will be rebated to Buyer if all of the following are true during the promotional period: (1) The total Amount Financed plus other items to be financed (if applicable) listed in this Installment Contract is paid in full, (2) Buyer makes all timely payments, and (3) no payments made by Buyer are returned.” We reviewed the call on December 7, 20105 when Mr. [redacted] contacted our office regarding his scheduled automated payment that was due on December 7, 2015. It was clear from the beginning of the conversation between Mr. [redacted] and our Customer Service agent that they were not discussing the payment that had already been sent to the bank on December 6, 2015 which was effective for December 7, 2015. We should have been clearer with Mr. [redacted] that the payment was already sent off to the bank and that we could not have stopped the transaction. However, it was clear that Mr. [redacted] knew the funds were not available and that the payment was going to be returned, which is why he had contacted our offices to make alternate payment arrangements. Having said that, we want all of our client's customers to have a good experience and in an effort to resolve Mr. [redacted]’s complaint we are willing to extend the interest rebate promotion on the contract. The total remaining amount due on or before January 7, 2016 is $234.20. We have attempted to contact Mr. [redacted] on several occasions to inform him of our resolution, but Mr. [redacted] has been unresponsive. Mr. [redacted] may contact the VP of Operations, [redacted] in order to take advantage of our offer to close out his account.

Review: I financed part of my couch under a 90 days "same as cash" deal, which set me up to pay $150 monthly and if I paid off the remaining amount before 90 days, it would be interest free. The only information I've ever received regarding this loan was from Kahuna Payment Solutions.

I have made my monthly payments against my alleged debt and when I called days within my 90-day same as cash window to pay off the remainder, Kahuna Paument solutions told me that they could not process such payments and that they are using a third party. They gave me the contact for this third party, Duvera Financial.

I never received any kind of validation or verification notice from Duvera Financial, who I presume purchased my account. Still, with the intent of paying off the remaining balance of my account in a timely manner, I reached out to Duvera Financial. If it weren't for my reaching out to the original creditor, Kahuna Payment Solutions, I wouldn't know how to contact Duvera at all.

Upon reaching out to Duvera, I was unable to connect by phone two days in a row -- the line simply would not connect. I reached out to one of their billing department, whose email is listed on the web, to explain that I could not get ahold of them. Additionally, I explained that because of the fact that I could not get in touch and had no idea that were no my collections agency that I am now over the 90 days same as cash deal and hence, my alleged debt has grown as a result of a ballooning interest rate. I asked that because of the fact that I had not heard from them and could not get in touch even after trying by phone and at this point email, that I be able to pay any remaining balance under the protection of the 90 days same as cash deal.

The collections agency waited weeks to respond to me. I followed up three times to finally get an answer. They let me know that per the client, my 90 days same as cash deal is expired and provided me no additional information.

I believe that according to provisions under the FTC and FDCPA, the collections agency Duvera Financial is legally required to do the following:

A) Send me a letter regarding my alleged debt for me to validate or explore in greater depth once they began pursuing my account.

B) Not share information about my account with a third party, unless this third party is a lawyer I've hired, etc.

I believe my rights have been infringed upon and I believe Duvera Financial's billing practices to be unfair. I responded to the contact in the billing department to ask them to explain by phone and they told me this is not possible. I do not know how I can expect to understand the amount of money I allegedly owe, who the original creditor is (or creditors who have also handled the account), what payment arrangements might be, etc., if I cannot discuss these things with an authorized representative. Additionally, I do not understand how I can be expected to pay alleged debt if I cannot even get ahold of the company by phone.Desired Settlement: A) I would like a letter from Duvera Financial regarding my alleged debt that lists the original creditor, the total alleged debt, how I can contact the company and a copy of any applicable materials that per miss the company to pursue this account.

B) I would like any debt collections efforts to halt, including the automatic bill paying that the company has setup in connection with my checking account, prior to my receiving any notice of their identity, the nature of the alleged debt, etc.

C) As the company has pursued my account / alleged debt without first providing me any notification and since it has always been my intent to pay off any validated debt, I would like my 90 days same as cash agreement extended. It is not appropriate for me to pay interest on debt I would have been able to pay, were it not for the company's failings to notify me over their identity, the nature of the debt, how I can contact them, etc.

D) I want paper copies of all such communications.

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]- [redacted]

In reviewing this complaint, Mr. [redacted] is requesting a list of documents. A to D according to his complaint

A. Copy of Document listing the original Creditor etc. - This Email notice was sent to [redacted].com (see attached Welcome email notice) No return email was received

B. Turn off all debit attempts - Will comply

C. To be eligible for the 90 SAC- Cannot comply, but can offer an Early Pay Off which can save some money.

D. Did not know who to contact to make his payments to- I am sure our name is reflected on the bank statement as requester of funds which Mr. [redacted] could have contacted us even if he missed the welcome email notice

First point Duvera is just a billing agency selected by Kahuna to service their customers. On 08-20-2013 Mr. [redacted] was sent a welcome email notice (see point A above)

08/20/13 lO:OOPM system -- 8/20/2013 10:00:57 PM 203 Welcome EFT Notice EMAIL Generated

On 11-16-2013 Duvera received the following email:

Rich Hi, there. Im writing because I intended to pay off my account on the 12th and when I called the point of contact that had been shared with me, Kahuna Payment Solutions, I learned that they cannot receive payments and I needed to reach out to you guys. This was news to me, but I did dial and I couldnt get through. Today I tried again and I got voicemail. I hoped to pay my account in full (after making all my payments on time) today in order to take advantage of my "same as cash" if paid in 90 days deal. Now, I fear because I havent been able to get in touch to pay, my account has accrued interest. Im hoping that its still possible to pay off the remaining balance, as I attempted to on my final day of the 90-day deal. I should also share that originally, I was not being billed due to a fallout in the way the contract was filed and I notified you guys in order to make sure that I was making payments against the loan. When I called, there was no record of my loan. I know its probably more profitable to take advantage of the interest rate that has likely accrued on my account, but Im hoping that because I came to you guys to notify you of the contract that never appeared and because Ive tried to reach out to pay, but failed to get in touch, that you can extend to me the same as cash deal just a few days. I can assure you that Im able to pay off the account in full and thats always been the plan, but this unfortunate tum of events in trying to reach out to you guys has brought me here. Please feel free to call me at ###-###-#### in response to this email. Im happy to make payments over the phone. Thank you and I hope we can resolve this situation. [redacted] ###-###-####

Duvera forwarded the email to Kahuna Flex payment (note holder) for approval for the SAC option since it was past the SAC expiration date. Duvera received the following response on 11-20-2013:

This client contacted our office at 7:19pm on November 15th and was advised that he would need to contact Duvera to pay the account off with interest as the 90 days SAC expired on November 12. We will not be able to honor the 90 day SAC option. Please let me know if you have any questions. Thank you.

Two additional payments have been made since the client discussed the same as cash option with Mr. [redacted]. I do believe a copy of the contract was previously sent to Mr. [redacted] but would glad to send another one if that contract was not received. I see no wrongdoing by Duvera in accordance with this contract.

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.

My comments appear after the [redacted]

A.

Copy of Document listing the original Creditor etc. - This Email notice

was sent to [redacted].com (see attached Welcome email

notice) No return email was received

[redacted] I received no such email and that aside, my contract states Kahuna Payment Solutions is my contact for the debt. Kahuna's email that you provided in your response states that I reached out after the 90 day SAC expired, but this is not the case. I made numerous attempts to reach out to them prior to the expiration and during business hours without response. Their first recorded response to me is what they provided you, not the first time I reached out to the organization.

How could I be expected to know that they could not be reachable until after the 90 day SAC -- and beyond that, that they would not accept payment on the account because Duvera handles it without receiving confirmation that Duvera handles the account?

B. Turn off all debit attempts - Will comply

C. To be eligible for the 90 SAC- Cannot comply, but can offer an Early Pay Off which can save some money.

[redacted] Were I to have been notified who the responsible party to accept payment would have been, I would have been able to deliver that payment within the 90 SAC. I reached out to Kahuna numerous times before the 90 SAC to make the payment in full. Once I finally had the contact information for Duvera, which was not easy to find, I immediately reached out to make my payment in full. I see no fault on my behalf that this payment wasn't made before the 90 day SAC expired. I have made every responsible effort to resolve the account, starting from the day that I reached out to Kahuna Payment solutions to let them know that I noticed my balance wasn't reflecting debits per the contract for months. I should not be held to an inflated interest rate.

Additionally, it's not clear what kind of offer you could make from your response.

D. Did not know who to contact to make his payments to- I am sure our

name is reflected on the bank statement as requester of funds which Mr.

[redacted] could have contacted us even if he missed the welcome email

notice

[redacted] I hadn't reviewed my banking statements -- that is an assumption. Looking at them now, however, it's not clear how to reach out to your organization from the information provided on the statement. There's no number and I wouldn't have known who Duvera was because I didn't receive any confirmation that my debt was being handled by your organization. I wouldn't consider this a reliable method of notifying me that your organization is handling my debt, because it doesn't contain sufficient information regarding the nature of the debt, your organization and how to contact you.

Regards,

Business

Response:

Sorry Mr. [redacted]. As only the billing agent for Kahuna Flex pay

their determination on your request for the same as cash option is

final , I can offer you an early buy out of your contract which will save you some

money. But that amount would have to be paid in a lump sum payment. Let me know

if you would like to me get you that quote.

Review: I write to report DUVERA FINANCIAL doing business as EASY PAY FINANCE both with same mailing address [redacted]

I purchased a Chocolate Labrador puppy from [redacted] dba [redacted] whom I found on craiglist, on or about January 18, 2014. I could not afford the full amount of the puppy so she suggested I apply for financing. She asked me to give her my social security number, date of birth and bank information to run my credit. She entered my information on the computer and said I had been approved.

I then went to her house to pick up the dog. She has other ‘top quality’ dog breeds in her home and they are all crammed up in crates. Her house stinks and is not sanitary. I was glad to take my puppy home and give him a better home. I paid $200.00 as initial payment with a personal check made out to her. Then she printed out the contract but she said it was too many pages so she did not have enough ink. She digitally signed the contract on my behalf and said the payments were going to be approximately $125.00 per month for a total of $870.00 with taxes. I agreed to that.

Now that I carefully reviewed the contract on my email I see that DUVERA/EASY PAY FINANCE plans to charge me $1780.00 if I don’t pay the full $670.00 before April 18, 2014. This is outrageous!!!!!Desired Settlement: I wish that DUVERA would be taken out of business for this malicious, swindling billing practices. I am sure they can keep robbing people if they are not closed down.

Business

Response:

February 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 9923161 in regards [redacted]

In reviewing this complaint, Mr. [redacted] is a requesting Duvera be closed down.

An attached copy of the contract is enclosed It seems Mr. [redacted] agreed to the terms of the contact per is electronic signature. As I am assure Mr. [redacted] is aware you have the right to receive a copy of any document/contract you sign for at the time of your purchase. That contract includes the approval to be drafted, the first due date, the amount of your purchase, the amount of the payment, Interest rate and for how long (term) of the contract as well as all disclaimers such as the same as cash option.

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

Sincerely,

Directors of Billing Services

Duvera Financial

Review: I financed furniture with this company original amount 979.34 with 90 days no interest at an interest rate of 189%... My 90 days was up as of 4/7/15 by this date my remaning balance was 206.36... I called to find out my pay off and was told an amount of over $600...Desired Settlement: I am by no means disputing money is still owed its the amount... Even at 189% how can I owe $400 on top of a $200 balance that has accumulated 3 months of interest... I need to see my account itemized and adjusted because there is no way they are trying to get over on me. The way it looks on my account theres no more than about $20 or $30 worth of interest for the month so again there is no way.

Business

Response:

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

Consumer

Response:

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

Review: In July I financed automobile work done at Amco who uses Duvera Financial. I provided my checking account information and set up auto payment. I received a statement in July and since it was 90 days same as cash, I made an extra payment. The first auto draft came out in August but another one has not been taken. Sometimes I can log into their site other times I can't. I have emails saying they can't find the account. I checked last week was told they don't send statements since I'm on auto draft. That email was Oct 12th. Payment date is the 10th. As of today, the 17th the payment hasn't been taken. I cannot log I. I sent another email and was told they can't locate the account. Meanwhile interest keeps accusing.Desired Settlement: I want the auto draft removed and I want statements sent. I need to get this bill payed off ASAP. I don't intend to pay 189% interest.

Business

Response:

This relates to a retail installment contract between Mr.

[redacted] and PWR TRANZ LLC dba Aamco Transmissions which was purchased by Duvera

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

TRANZ LLC dba Aamco Transmissions on July 11, 2015 along with an Application

for Credit and an EFT Authorization Form. As confirmed by Mr. [redacted] the

contract included a 90 day interest rebate promotion offer, expiring on October

11, 2015. It appears that Mr. [redacted] was attempting to take advantage of

the 90 day promotion by making additional payments on his account through our

online web portal. However, our system takes

any additional payments and applies it to the next due date, effectively

advancing the due date and not withdrawing the automatic payments from Mr.

[redacted]’s account. Most of our customers

typically call into our offices when they are accelerating the pay down of

their contract, and we would have been able to accommodate this request over

the phone. Although Mr. [redacted]

contacted our offices after the interest rebate promotion expiration date, we

went ahead and honored the promotion. Mr.

[redacted] was not charged any finance charges or fees. In short, we do not

believe that Mr. [redacted] has a justified complainant and we consider this

matter to be resolved.

Consumer

Response:

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

Regards,

Review: I am one of those who was strongly hit hard during the recession in 2008 losing my job with sears. I an attempt to find alternatives for survival, I attended a seminar organised by [redacted]. Teaching on who to buy and sell old delapidated homes.I was one of those made to pay an initial deposit with documents to sign without any detailed overview of what it contained.This was a quick gimmick which I acknowledged afterwards. This account I think was sold or managed now by PALOMAR ASSOCIATES. I have received calls from a 18[redacted] which I decided to call today to find out where the call was coming from. I have seen palomar associate on my credit and have disputed it several time until today speaking with a guy called [redacted], I found out they represent [redacted].No matter how poor or irresponsible people may be with their credit, It is not ideal for a REGISTERED debt collection agency to INSULT THEM with their financial/background trend informations just because they have access to it. [redacted] was very insulting. HE started by yelling and raising his voice. I may not know what kind of stress this man goes through, but when you sign up to be a debt collector dealing with the public and people of different background, THere are certain PROFESSIONAL ETHIC/PATIENCE/PUBLIC TOLERANCE REQUIRED. I MERELY ASKED HIM IF HE CAN DO BETTER THAN WHAT HE OFFERED ME FOR SETTLEMENT/PAYOFF WHEN HIS VOICE TEMPLE CHANGED. HE TOLD ME "YOU HAVE FILLED FOR 13 DISPUTE TO THIS ACCOUNT" THEN I TOLD HIM TO KEEP HIS VOICE LOW AND AT LEAST ACT AS A PROFESSIONAL...HE CONTINUED WITH "THIS ACCOUNT IS FROM 2008, WHY DONT YOU MAN UP AND BEHAVE AS A PROFESSIONAL AS WELL AN PAY THIS OFF" If he couldn't do what I asked him, all he needed to say was 'am sorry mr bobi, I cant offer you anything lower' think of something or borrow and call us back'.I called back to speak with a supervisor and was told by [redacted] that [redacted] is the account manager.I said to him"can you give me someone higher than [redacted]? he replied with I DONT WORK FOR YOU!GdbyeDesired Settlement: I need someone higher than these two guys who are birds of thesame feathers, someone higher than them/someone professional and very respectful of people and understands that in this current days 'not all fingers are equal' to call me now that I know this account is from [redacted]. This guys service level is very poor and will damage the brand of this company. When you deal with the public, you must possess the patience, and courage to expect the worse when it comes to the public. I am willing!

Business

Response:

May 18,2013