Duvera Billing Services

Review: had 2 accounts that were suppose to be deleted from all 3 credit agencies but one of the them is still showing up on the Equifax report. According to equifax, the creditor did not send a deletion request to them and this is causing a major head ache for me that I have to keep resorting to this method of filing complaints in order the rectify erroneous information that this creditor put on my reports. This is the 3 complaint I have filed on this creditor and they need to do a better job on resolving the issue the first time.Desired Settlement: Please send deletion request to Equifax and hopefully I wont have to deal with this issue again. Please make sure request is sent for both accounts again just to make sure the other one doesnt pop up again either.

Business

Response:

Which account?

Please send copy of credit bureau showing account in question.

Fax [redacted]

Thank you

Consumer

Response:

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

I have Faxed the requested document per the company's request.

Regards,

Business

Response:

November 8, 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] regards to [redacted]- [redacted] Dr. NE [redacted], [redacted]

I have I have attached the individual deletion request for both accounts. See attached

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

Sincerely,

Directors of Billing Services

Duvera Financial/ Palomar Associates

Review: Hi, Im doing this complain because I was taken advantage of buy this company (DIRECT BUY) who do there financing true Palomar/duvera. My wife and I received an invitation from direct buy to visit one of their store, when we got to the store we were well come, and they made a presentation about what they offer, and then we was offer to become a member, we did not wanted to be a member at that time, the representative told us if we don't become a member we will not be able to joined ever because that was a onetime offer for life and we couldnt be a guest for someone else, so we were obligated to accept and signed the member cheap.I don't remember the exact amount of the member cheap, I put a down payment it was more than $1,200 and the remaining were to be paid monthly, we paid the account for about two years and never used it, then I had a hard cheap I was about to lose my house I'm a father of five children one of them is in college, so I stop making payment to the account and the account was put to collection, now that I have some room to start making payment I tried to contact( Duvera Financial)so we can negotiate this matter, The remaining balance is $ 3,888 what was ben finance was$4,200 they offer me to pay $ 1,480.67, I ask if I can pay it in tree payment and I had $600 at that time but I did not mention that because the lady got ugly wide me and hung up the phone call.Desired Settlement: I'M willing to accept the offer of $1,480.67 but I don't have the lump sum,I'M able to make a tree payment of $493.57

Business

Response:

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

Review: I purchased a dining set with [redacted] in [redacted], Ca. I took advantage of a 90 day payment plan with out interest. The representative asked if we would like to select the 90 day option which I agreed and we filled out the form to do so. The contract was done electronically. It was explained to me that the payments and down payment made that day were based of the 90 day pay option. Which I currently found out was not the case and that it was based on a 12 month payment option which in result made my payments a little short to pay the transaction off in 90 days. The contract sent to me was incomplete and I have called now twice to request a copy be sent via email and on both occasions I was told it would but I still have yet to receive it. They are automatically drafting the payments from my account and now I have to pay 9 more months which is adding to double the amount of the dining set because of the interest they have added. I called asking them to pay the original balance and be done with the transaction but they have refused and are forcing me to now pay all the interest. I have spoken to two customer reps and a supervisor named Lisa. No one has been of any help. I am trying to approach this the right way, however, they are being unwilling to work with me. This was a complete misrepresentation of the payment option explained to me.Desired Settlement: To pay the original 90 day payment option that was selected and as of my knowledge set up and be done with this transaction. I have already started paying the interest. I am not looking for a refund on anything paid, I just want the balance to be competed and off my credit.

Business

Response:

This relates to a retail installment contract between Ms.[redacted] and [redacted]. which was purchased by Duvera Financial. **.[redacted] signed a Retail Installment Contract (RIC) with [redacted]. onFebruary 21, 2015, along with an Application for Credit and an EFTAuthorization Form. In order to generatethe contract a 5 digit contract code was sent to Ms. [redacted]’s personalmobile phone with a link to all of her contract terms, which she confirmedreceiving 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 toher personal credit report. A copy of the contract and all relevant disclosureswere emailed immediately upon signing to [redacted],the email address provided by Ms. [redacted] as part of the application process. The RICclearly sets forth the terms of Ms. [redacted]’s credit purchase and discloses,in accordance with Regulation Z under the federal Truth in Lending Act, apayment schedule of $76.77 per month for 12 months, at an Annual PercentageRate of 199%. The contract also included a 90 day interest rebate promotionoffer, expiring on May 21, 2015. A welcome call was completed with Ms.[redacted] on March 18, 2015 reviewing the terms of her contract and the InterestRebate Promotion offer. During the callMs. [redacted] confirmed all of this information and there were no objectionsmade in regards to the contract terms. Ms.[redacted] did not take advantage of the 90 day promotion or contact our officesagain until June 26, 2015. Regarding Ms. [redacted]’s concern over theAPR, California law expressly permits the parties to agree to any financecharge, to be set forth in the contract. See California Civil Code § 1805.1“The holder of the contract shall not charge, collect, or receive a financecharge which exceeds the dollar amount shown pursuant to subdivision (b) ofSection 1803.3 [requiring disclosure of finance charge under Regulation Z]”. Ms. [redacted] has not disputed receiving the goods shecontracted for or that she signed the contract. In short, we do not believethat Ms. [redacted] has a justified complaint. Having said that, we want all ofour client's customers to have a good experience. We spoke with Ms. [redacted] on July 28, 2015and were able to offer her a settlement, which is saving her $376.41 in financecharges over the remaining term of the contract. We believe this matter has been resolved to bothparties satisfaction. If there are anyadditional questions or concerns, Ms. [redacted] may reach out to the CustomerService Manager, J[redacted] at [redacted].

Consumer

Response:

Hello,In response to the business's response to my complaint. Yes, we were able to come to an agreement to where I will still pay some interest. I agreed to this to move past this incident, however, I do feel this was still at the fault of the business and do not appreciate how I was represented in their response. What the business failed to include in their response to you was there were a few missed steps on their behalf. One thing was that the down payment that was made that day was not reported to the finance company nor applied to our financed amount so the amount I understood to be owed was actually more because the furniture company failed to report it. The finance company expressed they are not responsible for the representative at the furniture company explaining the program and my options, however, at that time the representative from the furniture store was acing on there behalf as the middle man. Duvera should take more time to provide the proper training and information so when these businesses are explaining their program, the right information is being passed along to the customer. It was explained to me by the furniture representative that the payments being taken from my account were based on the 90 day payment plan since I chose that option at the time I signed the contract electronically (I was not given the option to look over the contract before doing so). The only thing provided to me that day was the breakdown to the 90 day payment option. Come to find out, the payments being deducted were based on a 12 month contract which included a 199% interest rate. I have definitely learned from this experience to literally double check the math of the representative and to request a contract for review before signing. I appreciate Duvera coming to a settlement. Both parties are at fault due to poor communication of the 90 day option and for me not double checking the payments add up to the balance and that the deposit made was actually applied to the amount financed. I will now be following up with the furniture company for a refund on the deposit made that day since it was not applied to our financed amount. Thank you for your help in resolving this matter.

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: 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

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,

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 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.

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: 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: 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]-

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: 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: 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 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 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 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: I reached out to Duvera also known as [redacted] to borrow money from them to sell credit card machines to consumers and businesses. Duvera has charged my account in the total amount of $[redacted] in which I have not received any kind of promise of service except for a list of 'leads" but I was unable to even use that to invest my original investment in to make a profit. I am currently working with my bank to get my money back. This is outrageous and this company isn't even recognized by the Revdex.com. This company needs to be shut down, all customers should receive there "investments" back and someone needs to be held accountable for this.Desired Settlement: I want my original investment back of $[redacted] and I want this company to be shut down.

Business

Response:

Revdex.com Complaint ID [redacted] Rd Unit [redacted], MD [redacted] Duvera Financial was a third party servicing company on behalf of Your eCommerce Support. On April 18, 2013, Mr. [redacted] entered into a financing agreement with Your eCommerce Support for services relating to Internet Marketing and Online Educational products. Effective March 2014, Duvera Financial made the business decision to no longer provide third party servicing for Your eCommerce Support, and as of June 16, 2014 the accounts for this client, including this account, was transferred out of our servicing system. Duvera Financial sent a trade line deletion to the major credit bureaus at the end of November 2014. As a third party servicing company all monies collected by Duvera Financial on behalf of Your eCommerce Support were remitted directly to our client at the beginning of each month for cash received in the previous month. Duvera Financial does not have any funds pertaining to this contract on behalf of Mr. [redacted]. Any further disputes relating to this contract with Your eCommerce Support need to be taken up directly with them. We apologize that we cannot be of further help in resolving Mr. [redacted]’s complaint.

Review: On February, 2013 I found out what Duvera Billing Services LLC / (AKA) DBA Duvera Collections (AKA) Duvera Financial (AKA “DUVERA”) reported the collection Account #[redacted] to my personal credit report with EXPERIAN, TRANSUNION and EQUIFAX. Also, I found out from the government web sites I can request the validation of the debt pursuant the Fair Debt Collection Practices Act. When I found this collection on my credit reports I sent to DUVERA couple of letters via Firs Class Mail and via US Certified Mail with request to Validate Debt and provide me the history of debt. Per Revdex.com request I will send all copy’s with Letters and Trucking numbers and Proof of Service by Mail.

Couple of times I asked for a validation of the purported debt pursuant the Fair Debt Collection Practices Act, but the DUVERA is refused to provides it. I NEWER received any answers back from DUVERA. And at same time they are still reporting to my Personal Credit Reports. In fact, they are using deceptive means to collect a debt in violation of the FDCPA and Mail and Wire Fraud. I found this from the Government - FTC web site following information:

1. An assignment and bill of sale does not give anyone the authority to collect anything without the agreement of all parties involved.

2. The account statements do not constitute current creditor records.

3. There is no evidence of any contract between NBF and the alleged debtor.

4. NBF is using misleading and deceptive practices to attempt to collect a debt, in violation of the FDCPA.

5. NBF has failed to show they have any statutory authority to force or coerce an alleged debtor to contract with them to the alleged debtor’s detriment.

6. Any attempt to coerce an alleged debtor to contract to their detriment will be considered attempted extortion, and reported to local police against CEO, and owner’s of the NBF and workers. Police reports are held as public record.Desired Settlement: THIS COMPANY IS IN VIOLATION OF THE FAIR DEPT COLLECTION PRACTICES ACT BY THE USE OF MISLEADING REPRESENTATIONS AND UNFAIR AND DECEPTIVE PRACTICES IN THE ATTEMPTED COLLECTION OF AN ALLEGED DEBT. THIS COMPANY MUST STOP TO HARASS ME VIA REPORTING TO CREDIT REPORTING AGENCIES (EXPERIAN, TRANSUNION AND EQUIFAX) AND MUST TO REMOVE THE COLLECTION ACCOUNT AGAINST ME FROM THE REPORTING BUREAUS. IF PFC WILL REFUSE TO DO THIS IN THE NEXT 30 DAYS THEN I WILL FILE OTHER COMPLAINTS WITH GOVERNMENT AUTHORITIES. I WILL NOT STOP UNTIL I WILL SEE THE JUSTICE.

All communication with me should be in writing.

I hereby authorize the release of any financial information from this company to Revdex.com to assist in this resolution process.

Business

Response:

June 30, 2014

Revdex.com

4747 Viewridge Ave Suite 200

San Diego, CA 92123-4389

Attn: [redacted]

RE: [redacted]

This response is to a consumer complaint 1[redacted] in regards [redacted] La [redacted] St Unit #[redacted] San Francisco, CA [redacted]

In reviewing the response to the original complaint, Mr. [redacted] is requesting this loan be removed from all the reporting Credit Bureaus.

I have attached a draft of the deletion request sept to the credit bureaus authorizing the deletion of the loan belonging to Mr. [redacted]. He will need to keep a copy of this document for his records.

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

Sincerely,

Directors of Billing Services.

Duvera Financial