Skip to main content

We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Cookie Preferences

Many websites use cookies or similar tools to store information on your browser or device. We use cookies on BBB websites to remember your preferences, improve website performance and enhance user experience, and to recommend content we believe will be most relevant to you. Most cookies collect anonymous information such as how users arrive at and use the website. Some cookies are necessary to allow the website to function properly, but you may choose to not allow other types of cookies below.

Necessary Cookies

What are necessary cookies?
These cookies are necessary for the site to function and cannot be switched off in our systems. They are usually only set in response to actions made by you that amount to a request for services, such as setting your privacy preferences, logging in or filling in forms. You can set your browser to block or alert you about these cookies, but some parts of the site will not work. These cookies do not store any personally identifiable information.

Necessary cookies must always be enabled.

Functional Cookies

What are functional cookies?
These cookies enable the site to provide enhanced functionality and personalization. They may be set by us or by third party providers whose services we have added to our pages. If you do not allow these cookies, some or all of these services may not function properly.

Performance Cookies

What are performance cookies?
These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site. All information these cookies collect is aggregated and therefore anonymous. If you do not allow these cookies we will not know when you have visited our site, and will not be able to monitor its performance.

Marketing Cookies

What are marketing cookies?
These cookies may be set through our site by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant content on other sites. They do not store personal information directly, but are based on uniquely identifying your browser or device. If you do not allow these cookies, you will experience less targeted advertising.
Better Business Bureau®
Resources for Businesses
Better Business Bureau

          Additional Information

          EasyPay Finance

          View full profile

          This is a multi-location business.

          Find a Location

          EasyPay Finance has 2 locations, listed below.

          *This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

            Please enter a valid location.

            • EasyPay Finance

              PO Box 2549 Carlsbad, CA 92018-2549

              BBB Accredited Business

            • EasyPay Finance

              3220 Executive Rdg Ste 200 Vista, CA 92081-8572

              BBB Accredited Business
            Location of This Business
            PO Box 2549, Carlsbad, CA 92018-2549
            Email this Business
            BBB File Opened:
            8/8/2001
            Years in Business:
            23
            Business Started:
            5/18/2001
            Business Incorporated:
            5/18/2001
            Accredited Since:
            8/28/2017
            Licensing Information:
            This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.
            Type of Entity:
            Limited Liability Company (LLC)
            Alternate Business Name
            • Duvera Billing Services LLC
            • Duvera Financial
            Related Businesses
            Business Management
            • Ms. Lisa Warnemuende, Director of Operations
            • Ms. Mary Jones, President
            • Mr. Kolby Teare, Compliance Analyst
            • Ms. Jacquie Hair, Chief Compliance Officer
            • Mr. Justin Taylor, Head of Operations
            • Mr. Ron Horton, Director of Compliance
            • Mr. Aaron Howse, Compliance Analyst
            • Ms. Bonnie Brillhart, Licensing and Complaints
            Contact Information

            Principal

            • Ms. Lisa Warnemuende, Director of Operations
            • Ms. Mary Jones, President
            • Mr. Kolby Teare, Compliance Analyst
            • Ms. Jacquie Hair, Chief Compliance Officer
            • Mr. Justin Taylor, Head of Operations
            • Mr. Ron Horton, Director of Compliance
            • Mr. Aaron Howse, Compliance Analyst

            Customer Contact

            • Ms. Lisa Warnemuende, Director of Operations
            • Ms. Mary Jones, President
            • Mr. Kolby Teare, Compliance Analyst
            • Ms. Jacquie Hair, Chief Compliance Officer
            • Mr. Justin Taylor, Head of Operations
            • Mr. Ron Horton, Director of Compliance
            • Mr. Aaron Howse, Compliance Analyst
            • Ms. Bonnie Brillhart, Licensing and Complaints
            Additional Contact Information

            Fax Numbers

            • (760) 602-1209
              Primary Fax

            Phone Numbers

            Email Addresses

            Website Addresses

            Additional Business Information
            Government Actions
            Government Action: BBB reports on known government actions involving business’ marketplace conduct:
            Government Actions Brought by the Colorado Attorney General's Office, the Attorney General of the District of Columbia and the Attorney General of Massachusetts

            The following describes government actions that have been resolved by either a settlement or a decision by a court or administrative agency. If the matter is being appealed, it will be noted below.

            On April 20, 2023, Duvera Billing Services LLC, DBA EasyPay Finance, entered into a Stipulation and Final Agency Order with the Colorado Attorney Generals Office. The Order settles allegations that the business charged interest ranging from 29% to 199% on small-dollar loans ranging from $350 to near $5,000 and partnered with an out-of-state bank in an attempt to circumvent interest rate limits, in violation of Colorado law. Under terms of the order, the business agreed to refrain from lending in Colorado, and return $275,000 to Colorado consumers whom it owes over $100 in excess interest. Additionally, EasyPay agreed to reduce rates on existing loans and agreed to stop collecting on defaulted loans. The business also agreed to pay $100,000 for attorneys' fees and costs. 

            For more details click here.

            On July 10, 2023, Duvera Billing Services LLC, DBA EasyPay Finance, entered into an Assurance of Voluntary Compliance with the Government of the District of Columbia Office of the Attorney General. The Assurance settles allegations that the business engaged in predatory practices to deceive hundreds of District residents into paying interest rates significantly above DC's legally allowed maximum rate. Under terms of the Assurance the business agrees stop using out-of-state banks to charge rates above the district's legal cap, delete negative credit reporting, cease collection on defaulted loans,and pay a total of $216,548.83 in restitution. 

            For more details click here.

            On May 17, 2024, Duvera Billing Services LLC, DBA EasyPay Finance, entered into an Assurance of Discontinuance with the Attorney General of Massachusetts. The Assurance settles allegations that the business engaged in unfair and deceptive practices and made loans with usurious interest rates. Under terms of the Assurance, the business agreed to cease operations in Massachusetts, cease collection on active and defaulted loans, and pay restitution to consumers in the amount of $625,000. The Assurance was for settlement purposes only and should not be considered as an admission of guilt or finding of violation of the law. 

            For more details click here.

            These actions are final.

            Serving Area
            • AK
            • AL
            • AR
            • AS
            • AZ
            • CA
            • CO
            • DC
            • DE
            • FL
            • GA
            • GU
            • HI
            • IA
            • ID
            • IL
            • IN
            • KS
            • KY
            • LA
            • MA
            • MD
            • ME
            • MI
            • MN
            • MO
            • MS
            • MT
            • NC
            • ND
            • NE
            • NH
            • NJ
            • NM
            • NV
            • OH
            • OK
            • OR
            • PA
            • PR
            • RI
            • SC
            • SD
            • TN
            • TX
            • UT
            • VA
            • VI
            • WA
            • WI
            • WV
            • WY
            Service Type
            Referral Assistance
            • CA Department of Financial Protection & Innovation (DFPI)
              2101 Arena Boulevard
              Sacramento CA 95834
              Phone Number: (866) 275-2677
              https://dfpi.ca.gov/
              [email protected]

            Contact Information

            PO Box 2549

            Carlsbad, CA 92018-2549

            Visit Website
            Email this Business
            (760) 602-5000

            Want a quote from this business?

            Get a Quote

            Accreditation

            BBB accredited business

            Accredited Since: 8/28/2017

            Years in Business: 23

            BBB Rating

            B

            Customer Reviews are not used in the calculation of BBB Rating

            Reasons for BBB Rating

            BBB Business Profiles may not be reproduced for sales or promotional purposes.

            BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

            When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

            BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.

            As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.