Duvera Billing Services

Review: My husband and I bought a mattress and box spring from Carolina Bedding in Reading, Pa They got us involved with Duvera saying we could get a loan with them. We were never informed of the interest this company charges! We started paying in June amount totaled $1,080 We paid 199.00 per month took it out of our checking automaticly. Then last week I called thinking t was almost paid off (No they have never sent us a statement) and we would have that paid off in a month or two only to be told we owed over $1,100 yet! They claim our interest is 156% so majority of our payments are not going to the mattress and box spring but the interest. They claimed we signed an agreement and I said no we did not cause I have copies of the agreement and my copies are not signed! I have since put a stop payment on them so they cannot take anymore money out. I am not paying that type of interest on a mattress and box spring

\ this is the usury law in PA- they are well above the 25% They are charging us 156%!

Further, the 6% limitation does not apply to loans made to corporations. However, a corporation cannot be established for the mere purpose of lending money in excess of the 6% limit. Such a corporation will be considered a sham and the 6% limitation will apply.

In any event, if any of these other types of loan situations involves interest more than 25% per annum, that interest rate runs afoul of the criminal usury laws that are on the books in the Commonwealth. (If a personal loan were to have this type of excessive interest rate, criminal usury laws would also come into play.) Criminal sanctions include fines and incarceration, depending on the circumstances of the crime.Desired Settlement: I want my mattress and box spring marked as 'paid in full- paid off' I want Duvera looked into and hopefully closed down so they cannot take other poor people across..

Business

Response:

November 9, 2013

Revdex.com

4747 Viewridge Ave Suite 200

San Diego, CA 92123-4389

Attn: [redacted]

RE: [redacted]

This response is to a consumer complaint [redacted] in regards to [redacted]- [redacted] S [redacted] St- [redacted], P A [redacted]

In reviewing this complaint, Ms [redacted] is requesting her account reflect paid in full. I have attached a copy of the contract agreed to by [redacted]'s electronic signature. All contracts used are state compliant. I am sure Ms [redacted] is aware that she has the right to receive a copy of any document/contract signed at the time of purchase. All disclosures are complete, accurate and meet all state requirements. This contract also allows a 90 day same as cash option which allows the consumer an opportunity to waive all the interest set forth in this contract. This financing is geared for consumers who are not able to obtain regular financing through normal financing channels. I am afraid we cannot honor Ms [redacted]'s request to be released from her remaining balance owed.

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

Sincerely,

Directors of Billing Services

Duvera Financial/Palomar Associates

Consumer

Response:

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

Regards,

I reject, I have a set of documents from Carolina Bedding and mine are not signed. In fact that shows an electronic signature and WE WOULD HAVE NEVER SIGNED ANYTHING FOR 156.00 INTEREST! My copies which I can fax to you shows I never signed. Give me a fax number to fax them to and I can prove we never signed, if we did the signature would be on our copies also and there is none! Also that is against the law to charge that much interest it is Ursury. If you do nothing against this company I will I will get in contact with Consumer protection and a pro bono lawyer

Business

Response:

I assume you received the furniture. How do expect to pay for this purchase ?

Please call me at [redacted] ext [redacted].

Duvera

[redacted] ext [redacted]

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

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: I'm now in debt trying pay off my financial institution I don't have access to use my account anymore and I have been over charged without. Me being consistent to the payments removed caused my bank to over charge in my account. I tried to speak to someone about the situation I get no response just rude disrespectful Customer service team. Every time I call nothing can be done they ripped me off then just hangs up the phone and then you can't get no one else to talk to about their poor fraud businessDesired Settlement: My funds back that they took from me and to be completely done with they service because they a rip off.

Business

Response:

This relates to a retail installment contract between Mrs. [redacted] and Yasmin Furniture LLC dba Furniture To Go- Silverspring Dr. which was purchased by Duvera Financial. Mrs. [redacted] signed a Retail Installment Contract (RIC) with Yasmin Furniture LLC dba Furniture To Go- Silverspring Dr. on September 26, 2014, along with an Application for Credit and an EFT Authorization Form. Mrs. [redacted] requested and received a payment modification from $190.42 to $100 on December 19,2014. The modified payment was for the payments due on December 26,2014, January 26, 2015 and February 26, 2015. Due to a miscommunication a payment of $190.42 was processed on March 2nd. The payment was returned and no refund is due for the duplicate transaction. We have waived all fees on her account stemming from this error. The Customer Service Manager has tried unsuccessfully to reach Mrs. [redacted] to offer additional assistance if needed. It is our intention to provide every customer with an exemplary experience and offer our apologies. If Mrs. [redacted] wishes to make alternate arrangements she may call the Customer Service Manager [redacted] at [redacted]

Review: Unfortunately, this would be the second time I've had a problem with this company regarding unauthorized charges. First off my significant other and I had purchased a dog from [redacted] who had offered to finance our dog with a three month payoff plan and no additional charges. We were misled obviously with information regarding the services of this financing company and in the end they ended up charging us double of what the agreed upon payment we had made with the [redacted]. We had decided we would just try to pay it off quickly because our credit was really good at that point and we didn't want to mess it up after being threatened by a few employees in this company however, their fees per day the full payment was not given was outrageous. We had contacted the company again to try and get this resolved sooner and to hopefully not ruin our credit. After giving them a different card for payment they had not only charged the new card we had given them but they had also tried charging the old card we had told them to take off file after only two days of giving them the last payment. STAY AWAY FROM THIS COMPANY. I will be contacting this company regarding their fraudulent charges and may even take this further than that due to the excessive amount of times we've had an issue with either getting a phone call through to being hung up on while trying to resolve this matter. TO ANYONE LOOKING TO FINANCE WITH THIS COMPANY THEY ALSO REPORT THAT YOU OWE A DEBT TO THEM QUICKLY, REGARDLESS OF TIMELY PAYMENTS, TO ANY CREDIT REPORTS AND HAVE NO PROBLEM MESSING UP YOUR CREDIT.Desired Settlement: We want to be done with this company they have committed fraud and have made several mistakes and unauthorized charges that have put our family in a bind. If we have to we will take further legal action in order to be finished dealing with this company. We are willing to settle with this company if we both can come to an agreement.

Business

Response:

This relates to a retail installment contract between [redacted] and [redacted], Inc. which was purchased by Duvera Financial. [redacted] signed a Retail InstallmentContract (RIC) with [redacted], Inc. on June 22, 2014, along with an Application for Credit and anEFT Authorization Form. A 5 digit contract code was sent to [redacted]’spersonal mobile phone with a link to all his contract terms, which he confirmedreceiving by providing this code to the merchant. As confirmed by [redacted] the contractalso included a 90 day interest free promotion offer, expiring on September 22,2014. In addition, he signed the addendum for the 90 day interest freepromotion which clearly outlined the terms of the promotion; “Interest chargesbegin accruing from the Contract Date, and will be rebated to Buyer if all ofthe following are true during the promotional period: (1) The total AmountFinanced plus other items to be financed (if applicable) listed in thisInstallment Contract is paid in full, (2) Buyer makes all timely payments, and(3) no payments made by Buyer are returned.” [redacted] became ineligible forthis promotion when his 8/22/2014 payment was returned for insufficientfunds. [redacted] was transferred toour recoveries department in October 2014 after his past due status was greaterthan 61 days. Mr. [redacted] scheduledpayments with the recovery department to be processed for future dates, one ofwhich was scheduled for March 23, 2015. The payment was not honored by [redacted]’sbank, and on March 24th, 2015 he called and provided a differentmethod of payment. The payment was processed correctly as instructed by Mr[redacted], but no duplicate payments have been collected as asserted by Mr.[redacted] has not disputedreceiving the goods he contracted for or that he signed the contract. In short,we do not believe that [redacted] has a justified complaint. Having saidthat, we want all of our client's customers to have a good experience. To avoidany further miscommunication surrounding future payments, Duvera has removedthe previous payment arrangements and offered to settle the account for areduced amount, resulting in a savings of $1,152.26 to which Mr. [redacted] hasagreed. He agreed to contact our offices before 04/17/2015 to pay this reducedamount otherwise, and he is aware the offer is null and void.

Review: I have purchased furniture and have been paying them religiously. two months ago I became unemployed and my employer kept my last check which should have been direct deposited into the bank account that duvera withdraws from.on the day they took it out, I called them and told them my situation and made arraingements to pay on a certain date. the person I spoke to said that they were showing it went through. I again explained that my bank told me it was returned. she said well if it is then we will call you to make arrangements to pay. then duvera, two weeks later tried to withdraw again out of my same account. again it was returned. at that time I called them and asked why did they do that, it wouldnt be due for another 2 weeks. I had made arraingements already on when I would pay them. the rep said they had no record of me doing that so their boss would have to review the recording of our conversation, which would take a few minutes. after 20 minutes, and no call back, I called them. that rep told me it takes about 20 mins to review it so just wait for their call. the next day, I called again and asked and she said her boss wasnt in for two days. I asked if they had a corporate number which she stated no. then I got a notice again from my bank that duvera once again tried to withdraw from same account, but for the date three days later. iam still waiting for the call. I still dont know why they keep trying to take funds out of my account. my bank charges me everytime they try, and duvera charges me also.Desired Settlement: right now, im trying to figure out if this company is even legit. by the way things are happening, iam beginning to wonder. I want them to pay my bank for the charges I have incurred due to their fault, and to reimburse me also or reverse the fees they have charged me.

Business

Response:

Revdex.com Complaint ID [redacted] K. [redacted] N. [redacted] Apt [redacted], AZ [redacted] This relates to a retail installment contract between Ms. [redacted] and Affordable Fine Furniture Outlet which was purchased by Duvera Financial. Ms. [redacted] signed a Retail Installment Contract (RIC) with Affordable Fine Furniture Outlet on July 18, 2014, along with an Application for Credit and an EFT Authorization Form. A 5 digit contract code was sent to Ms. [redacted]’s personal mobile phone with a link to all of her contract terms, which she confirmed receiving by providing this code to the merchant. The RIC clearly sets forth the terms of Ms. [redacted]’s credit purchase and discloses, in accordance with Regulation Z under the Federal Truth in Lending Act, a payment schedule of $285.63 per month for 12 months, at an Annual Percentage Rate of 189%. The contract also included a 90 day interest free rebate promotion offer, expiring on October 18, 2014. After reviewing the complaint, we understand the issues addressed by Ms. [redacted] and see that it was due to a miscommunication when she called into our offices on December 18, 2014 to discuss her financial situation. The agent did not take the proper actions as instructed by our procedures resulting in unnecessary fees for both parties and for this we are sincerely sorry for the frustration this must have caused Ms. [redacted]. We want all of our client's customers to have a good experience. If Ms. [redacted] continues to have issues paying her contracted amounts going forward, we would invite her to call in specifically to Jason Long, the Customer Service Manager at 1-866-[redacted] ext. [redacted] to discuss making settlement arrangements.

Review: this involves an online "business" - wanted to do work from home - I should have researched first!!! however I didn't. After the first few calls with the coaching people, began to immediately feel scammed, after 4 phones calls of doing what I was told, they sent me in a totally different direction of what my first coach originally said I should do, "this will make you more money" is what he said. That of course lead to we need more money...........I refused and continued to do what they said. Got absolutely no where, except calls and now letters that I still owe X amount of money. I spoke with a lawyer as I was concerned about the so-called contract I signed via email. He stated they won't pursue me or sue me because they know they are a scam. Hard to believe people do this everyday and have no problem lying to people who just want to make an honest living. this also pertains to Yes Financial/ Duvera - beware!!!!Desired Settlement: I would like my money back, however I don't have the funds to pursue them legally, just want others to know about their tactics.

Business

Response:

This response is to a consumer complaint 9602998 in regards to a R

Review: The charger was total of $800.

I have not received ANY statement or notification of any Billing balance amount, so that I can pay off

I have been paying about $128 per month for the past 6 months, and I just called them and I was told that I owed another $700.

I asked them how much is the payoff, they gave me an approximate amount. I wanted the payoff amount in writing and I was told that they cannot do that.

I was just told that their interest rate is 160%Desired Settlement: I would like a fair interest rate of interest (of about 29%) with payoff amount in writing.

Business

Response:

November 29, 2013

Revdex.com

4747 Viewridge Ave Suite 200

San Diego, CA 92123-4389

Attn: [redacted]

RE: [redacted]

This response is to a consumer complaint [redacted] in regards to [redacted]- [redacted] Ave, Los Angeles, CA [redacted]

In reviewing this complaint, Ms [redacted] is requesting to payoff her account at a reduced amount.

Since the writing if her complain on 11/18/2013 an agreement has been made with Ms [redacted] to reduce her payoff amount. All parties have agreed on the amount and that payment was finalized on 11/27.

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

Sincerely,

Directors of Billing Services

Duvera Financial/ Palomar Associates

Respoonse was mailed on 12/02 - Let me know if you do not recive it next week

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.

The payoff was requested to prevent any further outrages 160% interest charges., because because we were in agreement to their "lack" of business "ethics as below:

1) There were NO monthly statement during the "grace" periods. If there were monthly statements, the $800 would have been paid of long before the expiration of the "interest free" period

2) We were told that the company does not send out monthly statements. I have not dealt with any Financial companies that does not send out monthly statements

3) Because of the above, when we contacted the institution, we were told that we paid $763.00 (5 months) and still owes another $700.00 of monthly payments at the interest rate of 160%. Adding the paid $763.00 to the $700.00 balance, that make the total of $1,463.00. What's the total amount charged? $800.00.

4) Because of item #3 above, we immediately arranged a pay-off to stop this outrages highway robbery of 160% interest.

5) The arranged payoff was $456.00 + amount already paid of $763.00 that brought the total amo8unt of paid to $1,219.00, that still way more than the $800.00 that was originally charged ($419.00 more). We were told that we would saved $300 from the full total of $1,463.00. - WOW!!!

Remember, the payoff was not because we agreed to their calculated payoff amount, but it was because we want to STOP the outrages 160% interest rate.

Even though it was wrong on their part for not sending monthly statements from the beginning, so that we can pay off before the interest "kicks" in. It was intentionally done so that the payments schedules are kept out of sight. But, to be fair, the pay-off amount of $456.00 should be greatly reduced.

Regards,

Business

Response:

December 10,2013

Revdex.com

4747 Viewridge Ave Suite 200

San Diego, CA 92123-4389

Attn: [redacted]

RE: [redacted]

This response is to a consumer complaint 9808106 in regards to [redacted]- [redacted] Ave, [redacted], CA [redacted]

In reviewing Mr. [redacted]'s rebuttal to Duvera's response to his complaint dates November 18, 2013, Mr. [redacted] provided of list of issues to be addressed.

Again please note that Duvera is only the billing agency selected to service his account.

As I am assure Mr. [redacted] you are aware you have the right to receive a copy of any document/ contract you sign for at the time of your purchase. Your contract includes your approval to be drafted, your first due date, the amount of your purchase, the amount of your payment and for how long (term) of the contract as well as all disclaimers such as the same as cash option.

On May 03, 2013 a "Welcome" email notice was emailed to [redacted]@yahoo.com introducing Duvera as the billing agency selected to service this account. This notice also include all contact numbers for Duvera. Since this account was sent up on auto-debit a billing notice is only sent as a courtesy but can be requested by the consumer.

It is my understanding this this contract has been deemed legal within the state of California. One would have assumed that Mr. [redacted] read and understood his contract of which he approved and agreed to by his signature.

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

Sincerely,

Directors of Billing Services

Duvera Financial

Review: Company has failed to send itemized billing statements and is charging 199% interest on an automobile repair. Phone calls to customer service were met with disrespect. Customer Service agent hung up on me.Desired Settlement: Negotiated payoff with reasonable interest charges.

Business

Response:

This relates to a retail installment contract between [redacted] and [redacted], LLC which waspurchased by Duvera Financial. [redacted] signed a Retail InstallmentContract (RIC) with [redacted], LLC on December 17, 2014, along with anApplication for Credit and an EFT Authorization Form. A 5 digit contractcode was sent to [redacted]’s personal mobile phone prior to accepting theterms of the contract with a link to all his contract terms, which he confirmedreceiving by providing this code to the merchant. The RIC clearly sets forththe terms of [redacted]’s credit and discloses, in accordance with RegulationZ under the federal Truth in Lending Act, a payment schedule of $98.55 permonth for 12 months, at an Annual Percentage Rate of 199%. As confirmedby [redacted] the contract also included a 90 day interest rebate promotionoffer, expiring on March 17, 2015. In addition, he signed the addendumfor the 90 day interest rebate promotion which clearly outlined the terms ofthe promotion; “Interest charges begin accruing from the Contract Date, andwill be rebated to Buyer if all of the following are true during thepromotional period: (1) The total Amount Financed plus this items to befinanced (if applicable) listed in this Installment Contract is paid in full,(2) Buyer makes all timely payments, and (3) no payments made by Buyer arereturned.” [redacted] did not take advantage of this offer and pay the amountfinanced of $500.00 in full by March 17, 2015. Regarding [redacted]’s concernover the APR, California law expressly permits the parties to agree to anyfinance charge, to be set forth in the contract. See Cal. Civ. Code § 1805.1“The holder of the contract shall not charge, collect, or receive a financecharge which exceeds the dollar amount shown pursuant to subdivision (b) ofSection 1803.3 [requiring disclosure of finance charge under RegulationZ]”. [redacted]’s account is on automatic monthly withdrawal andtherefore, he is not mailed a monthly statement, but he may go online at anytime to view his transaction history and request a statement via email. We have tried to contact [redacted]multiple times in an effort to resolve his complaint and have been unsuccessfulin reaching him. An additional copy of the contract as well as a monthlystatement have been sent to [redacted] at the email address [redacted] which [redacted] confirmed was the correct email address when he called our offices onMay 27, 2015. [redacted] has not disputed receiving the goods he contractedfor or that he signed the contract. In short, we do not believe that Mr.Brownlow has a justified complaint. Having said that, we want all of ourclient's customers to have a good experience. Should [redacted] haveissues paying his contracted amount going forward, we would invite him to callin specifically to [redacted], Customer Service Manager at [redacted] ext.[redacted] to discuss making alternate settlement arrangements, such as a reducedAPR.

Review: Duvera Financial's interest rate is at 96% and I am fed up with them taking the majority of the money that I pay towards the principal. I loaned for $578.25 and after about 8months of making on-time payments, $91.28 has gone towards the principal whereas Duvera Financial has taken $354.08. I was in desperate need to make emergency repairs on my vehicle and needed the loan. I agreed to make payments in hopes of paying the loan off but now I feel as if I'm being cheated financially.Desired Settlement: I would like for Duvera Financial to remove my account entirely from their database and not sell or share my account to outside organizations.

Business

Response:

This relates to a retail installment contract between Mr.[redacted] and TRR LLC dba Meineke which was purchased by Duvera Financial. Mr.[redacted] signed a Retail Installment Contract (RIC) with TRR LLC dba Meinekeon October 14, 2014 along with an Application for Credit and an EFTAuthorization Form. A 5 digit contract code was sent to Mr. [redacted]’spersonal mobile phone with a link to all his contract terms, which he confirmedreceiving by providing this code to the merchant. In addition, prior toreviewing and signing the RIC, Mr. [redacted] had to answer security questionswhich pertained only to his personal credit report. A copy of the contract andall relevant disclosures were emailed immediately upon signing to d[redacted], the email address providedby Mr. [redacted] as part of the application process. The RIC clearly sets forththe terms of Mr. [redacted]’s credit and discloses, in accordance withRegulation Z under the federal Truth in Lending Act, a payment schedule of$55.67 per month for 24 months, at an Annual Percentage Rate of 96%. Asconfirmed by Mr. [redacted] the contract also included 90 day interest freepromotion offer, expiring on January 14, 2015. Mr. [redacted] did not takeadvantage of the 90 day promotion and did not contact our offices until wellafter the promotional expiration date of January 14, 2015. Regarding Mr.[redacted]’s concern over the APR, Washington law expressly permits the partiesto agree to any finance charge, to be set forth in the contract. See Washingtoncode. § 63.14.130(1) "The service charge, in a retail installmentcontract, shall not exceed the dollar amount or rate agreed to by contract anddisclosed under Rev. Code Wash. § 63.14.040(1)(h)." Mr. [redacted] has notdisputed receiving the goods he contracted for or that he signed the contract.In short, we do not believe that Mr. [redacted] has a justified complaint.Having said that, we want all of our client's customers to have a goodexperience. We have reached out to Mr. [redacted] to address his concerns andhave been unable reach him. If Mr. [redacted] continues to have issues payinghis contracted amounts going forward, we would invite him to call inspecifically to [redacted], Customer Service Manager at 1-866-438-8372 ext.1200 to discuss making alternate payment arrangements.

A car shop I love to go to offered a program where you can get approved for up to 1500.00 of work done on your car upfront. I got approved for the full amount. I was told to the first 3 months are interest free. I made 3 payments of 285.00. I have made 5 payments of 285.00 now. I called them and found out the interest rate they are charging me is 128%. So I am occurring 5.88$ daily on my balance. I calculated that I'm paying Duvera 178.00 a month and only 108.00 is going to my balance. My balance is still up around 1,000.00. I'm blown away that they can charge that much on a loan.

I purchased sofa at a nearby furniture store. I requested to pay $400 of $700 purchase. I was told that Duvera Financial required a minimum loan would be 375.00. I never thought that I would be charged 189% interest, costing me 66.00+ per month for 12 months. The contract was sent to me in the mail. Unfortunately, with the holidays, my illness and my special needs son issues I didn't read the contract right away. My question is is it legal for Duvera to charge me 189% interest.

Review: I took out a loan a year ago which was same as cash. I called the company in april and was informed my year same as cash was good till 06/22/2013. When I called to on 06/20/2013 to make the payment I was told that the information that I was given by the associate was incorrect and that my same as cash had actually expired on 06/12/2013.. I was furious because I know that I was told the 22nd and not the 12th. I was told a manager would call me. The next day I spent hours on the phone with them till finally they allowed it. Following week on 06/25/13 I was told that one of my payments did not go through. Then I was informed that it was denied on friday and no one bothered to call me and ask for a different payment since I still had till the 22nd to make my year. I made several phone calls to [redacted] whom seems to be the only person that I can speak to. No one else is willing to even deal with the situation. After calling [redacted] victor for a week I finally get a call back after leaving a message and threatening to report him to Revdex.com. He then does not even try to help me just says theres nothing he can do. Since they werent honoring my year same as cash I asked for my large payments to be refunded and for them to only keep the standard monthly payment when he told me No. I feel as though if I was never lied to I would have paid off my balance on the correct date with no issues. Because they did not take my payment on the 20th it caused a diff charge to post to my card and making me 7 dollars short of the 386 dollars that were still needed to pay off the loan. If someone from the company would have called me the next day I would have given them a diffferent payment source. The company is on the internet for Scam Alert and this [redacted] is the main person. At one point when I spoke withj [redacted] he even said to me that Its not their fault that I believed what one of their representitives told me on the phone. I lost my paper work so whom better then the actual company to tell me my payoff date. Of course they would lie to make money on all the interest.Desired Settlement: I would like my one year same as cash to still be honored because if I was never given the wrong information none of these issues would have happened. I would have paid it when I originally called it in and I wouldnt have gotten declined. I refuse to pay the interest for no reason because of someone elses mess up

Business

Response:

This response is to a consumer complaint

Review: I bought out of a contract I signed online with [redacted] for $200 and some change.After which their finance company Duvera Financial contacted me saying I owed $3,000 in which I disputed only to find out later that Duvera had put a collection on my credit report for over $4,000. This is absurd and very vindictive of them. I have since searched online for [redacted] and Duvera Financial and found that they have had complaints on them in the past.Desired Settlement: I would like Duvera Financial to totally remove this collection from there records and my credit report.

Business

Response:

RE: [redacted]

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

In reviewing this complaint, Mr. [redacted] is requesting to have this loan removed from his credit profile.

Within this complaint Mr. [redacted] provide no details or reasoning on why this account should be

removed from his credit profile. Duvera will update his account to a dispute status the next time we

update our reporting to the credit bureaus.

I will attach a copy of his contract and the most recent pay history for his review.

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

Sincerely,

Directors of Billing Services

Duvera Financial

DO NOT! and I repeat DO NOT! use this company!!! They are nothing but rude and Inconsiderate. All they want is your money, Which is made pretty clear by their 189% interest rate!!! I went into Petland and fell in love with a puppy ( I know, I should have went to a shelter, Its too late now.) I stupidly financed my dog because I didn't have the money. At the time I had mine and my ex's income. Well when we broke up I was on my own and couldn't afford Payments. So I tried to return the dog and I got hooked into an endless phone loop of you have to talk to so and so back and forth. At the end of it, I could return the dog, but they wouldn't stop my payments. WHAT KIND OF CRAP IS THAT?? Anyways, I eventually threatened the Revdex.com on them and they made a settlement offer. Which I took, Even though with the amount I payed for the dog it was still over 100% interest. My puppy is amazing and I was glad to get it out of the Petland where all the puppies looked neglected. That's the only good thing out of this.

Review: We made several attempts to call this company concerning a bill that we owed. We even put in a payment that they did not bother to collect. Last week we received a notice from a collection company saying that we owed double and none of our calls have been returned from this company. I am curious as to why we received no call backs and why payment was not collected in a timely manner. It would seem that this company purposely did this in order to amass a greater debt.Desired Settlement: I would like the "interest and fees" that were accrued to be removed since the company did not bother to collect payments that we fully authorized and did not contact us when we tried to contact them.

Business

Response:

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

Review: Borrowed $[redacted] same as cash within 90 days. Automatic payments set up to take out $[redacted] on the 3rd of every month beginning October. Two payments were auto deducted from my bank acount. One Oct 3 and one Nov 3. I made a manual payment of $[redacted] October and another for $[redacted] on Nov 5. This would of left a total balance of $[redacted] which should have been my final payment (same as cash) to auto deduct from my bank account on 12/3. The funds did not come out and they stated that since I paid extra it went over to the next month which is January 3. I looked at the website on 11/27 to see how much I owed and when due. It showed due on 12/3. So I did not want to make the payment manually then, as I thought the funds might come out again on 12/3 and I would be over paying. I have never seen automatic payments moved if you pay extra. Thank you for your help in this matter.Desired Settlement: Please take the funds out of my bank account and consider the $[redacted] paid within 90 days (which it should have been) and debt paid in full.

Business

Response:

Revdex.com Complaint ID [redacted] St[redacted], CA [redacted] This relates to a retail installment contract between Mr. [redacted] and Midway Appliance Center, Inc. dba Midway Home Solutions which was purchased by Duvera Financial. Mr. [redacted] signed a Retail Installment Contract (RIC) with Midway Appliance Center, Inc. dba Midway Home Solutions on September 03, 2014, 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 $228.50 per month for 12 months, at an Annual Percentage Rate of 189%. Mr. [redacted]’s contract also included a 90 day interest free rebate promotion offer, expiring on December 3, 2014. As stated in the complaint, Mr. [redacted] did make extra payments on this contract in order to try and take advantage of the Interest Rebate Promotion however, our system advances the due date when payments are made when they are equal to or greater than the amount of the monthly installment payment. This did prevent the December 3, 2014 automatic payment withdrawal from not processing since his account was paid to January 3, 2015. Mr. [redacted] did not dispute receiving the goods he contracted for or that he signed the contract. We want to ensure that all of our client’s customers have a good experience and even though Mr. [redacted] was outside of the promotional period, we were able to honor the promotion by obtaining a small fee to extend the promotional period. Mr. [redacted] made his final payment on December 8, 2014 and the account has been paid in full. We believe we have satisfied the complaint to both parties satisfaction.

Review: My problem is when I signed up for easy pay finance on 12/21/15 I was told that the 40 dollars would be reimburse to me when I paid the total amount in full by 3/21/16 and today 1/29/16 when I wanted to pay off the total amount 901.76 is when I found out that they added 40 dollars and I contacted them by phone and e-mail and I contacted duvera because I found out that is who is listed on my credit report when there name is not on the contract and they are saying they go by easy pay finance but there real name is duvera and I talked to [redacted] on 1/29/16 when I feel they are committing fraud against customers by not telling the truth up front about the extra 40 dollars and they are going by different names. This is unfair when a company does not tell you the whole truth about what is going on.Desired Settlement: I want a refund of the 40 dollars that I was promised.

Business

Response:

[redacted]

[redacted] This relates to a retail installment contract between [redacted] which was purchased by Duvera Financial dba EasyPay Finance. Ms. [redacted] signed a Retail Installment Contract (RIC) with CSA 4338, LLC dba Meineke Car Care Center on December 21, 2015, along with an Application for Credit and an EFT Authorization Form. The RIC clearly sets forth the terms of Ms. [redacted]’s credit purchase and discloses, in accordance with Regulation Z under the Federal Truth in Lending Act, a payment schedule of $171.71 per month for 12 months, at an Annual Percentage Rate of 189%. As confirmed by Ms. [redacted] the contract also included a 90 day interest rebate promotion offer, expiring on March 21, 2016. In addition, she signed the addendum for the 90 day interest rebate promotion which clearly outlined the terms of the promotion; “This Installment Contract offers an Interest Rebate Promotion. All interest paid less a Rebate Processing Fee equal to the lesser of $40.00 or the finance charges incurred as of the payoff date will be rebated to Buyer if, during the promotional period, Buyer makes all monthly payments on a timely basis with no returned payments, and Buyer pays in full the Amount Financed plus the applicable Rebate Processing Fee.” On January 29, 2016 Ms. [redacted] contacted our offices in regards to her confusion regarding the Interest Rebate Processing Fee. We attempted to clarify any miscommunication about the fee during the conversation by going through the terms of the fee as outlined above. Ms. [redacted] was adamant that the fee was not properly disclosed to her during the contract process while at CSA 4338 LLC dba Meineke Car Care Center. On January 30, 2016 we received a call from CSA 4338 LLC dba Meineke Car Care Center regarding their customer Ms. [redacted] and the $40 Interest Rebate Processing Fee. Based on the conversation we had with both Ms. [redacted] and the merchant we agreed to waive the $40 processing fee. We hope that this resolved Ms. [redacted]’s complaint, and we apologize for the complaint having to escalate to involve the Revdex.com. If there are any additional questions, Ms. [redacted] may contact the VP of Operations, [redacted].

duvera charges crazy interest rates and its almost impossible to even pay! every single time I have tried to make an online payment I am left on a screen that doesn't allow me to log in! It has me change my password every single time and even after I do it, it still doesn't work! I have tried on multiple occasions to get in contact with them over the phone but they always have atleast 20 people waiting ahead of me. my total bill more than doubled over a 3 week period over late fees.

Review: After looking for a way to get a bad credit home loan I was contacted by [redacted], a partner of Duvera Financial. Since I had read several claims on RipoffReport.com I had deduced that this company was nothing but a scam. I had been receiving calls on my cell phone from [redacted] regarding accounts for other people and whenever I call I either get disconnected or a voicemail inbox. If that inbox isn't full then I leave a message to which no one ever replies. I then wrote an e-mail to [redacted] of Duvera stating my issues and that I wanted all accounts closed yet he told me to contact [redacted] again. I went through the same circus of calling and never hearing back or being disconnected. I again emailed [redacted] and Cara Levens as well as called yet their voicemail is full. My account details state I will not be charged until June 30,2013 but they charged me and my husband on May 31, 2013. I also changed my bank account information and did not share this with them yet somehow they have obtained bank account numbers that they were not authorized by myself or my husband to have or use. They are using my private information to get to my money and I am very displeased and researching a method of legal recourse to put an end to this scam. I never received any service from them even though I was told I'd get a phone call and they've done nothing but take money with nothing to show for it. This is nothing but a scam against hard working people trying to clean up their financial pasts.Desired Settlement: I want my accounts cancelled with Duvera and [redacted] and I want my money returned to me without difficulty. My bank is already working on a claim to get the money they charged me returned but I want my account cancelled without any repercussions on my credit report or anything else. I never received a service and had requested the cancellation of accounts weeks ago. I do not want these companies to contact me or my husband again unless it's to confirm account cancellation.

Business

Response:

This is Duvera billing.

Unfortunately we cannot accept your request to cancel. You will need to contact

[redacted]. Auto debit has been turned off – Dispute

status sent to the reporting credit bureaus.