An easypayweb charge on your statement almost always comes from EasyPay Finance, a California-based point-of-sale lender that collects installment payments by automatic debit for purchases financed at auto repair shops, tire stores, furniture dealers, and electronics retailers. A separate France-based entity called Easypayweb, run by 2L Multimedia, uses a similar billing descriptor on European statements. Which one is behind the charge depends on where the original purchase was made.
Why the Charge May Not Look Familiar
EasyPay Finance is the consumer-facing brand of Duvera Billing Services LLC, headquartered in Vista and Carlsbad, California.1Better Business Bureau. EasyPay Finance BBB Business Profile It finances purchases up to $5,000 at participating retailers, with a $350 minimum for retail installment contracts.2EasyPay Finance. EasyPay Finance Support National chains that have offered EasyPay financing include AAMCO, Big O Tires, Midas, Grease Monkey, JiffyLube, Meineke, and Precision Tune Auto Care. Loans are often processed through Transportation Alliance Bank (TAB Bank), a Utah-chartered bank.3National Consumer Law Center. Consumer Alert – Deceptive Auto Repair Financing Practices
Because the billing descriptor shows the lender’s name rather than the shop or store, the charge can look unfamiliar even when the purchase itself was routine. A tire change at Big O, a transmission job at AAMCO, or a mattress bought on an interest-free promotion can all post later as “EasyPay,” “Duvera Billing,” or a similar variation. These charges typically recur on a schedule because EasyPay debits bank accounts automatically to collect installments.
Before treating the charge as fraudulent, check whether anyone else on the account recently had car work done, bought tires, or financed furniture or electronics. A charge may also be an ongoing installment payment from a purchase made months earlier, including the final payoff on an interest-free promotional plan, which requires paying the full financed amount plus a $40 fee before the promotional window expires.3National Consumer Law Center. Consumer Alert – Deceptive Auto Repair Financing Practices
The France-Based Easypayweb
A separate entity called Easypayweb operates out of France and is linked to 2L Multimedia, a SAS registered under RCS 439 055 591 at Park Nord Les Pléiades n°33, 74370 Epagny-Metz-Tessy.4Globe-Lover. Conditions Générales de Vente This descriptor shows up on European consumer statements and appears in unsubscription directories as a recurring-charge merchant. If the charge reads “easy pay web” or references easypayweb.com and the cardholder has no U.S. retail financing plan, this French entity is the more likely source.
How to Identify and Stop the Charge
If no one on the account recognizes an EasyPay-labeled transaction, call EasyPay Finance directly at 866-438-8372 and ask for documentation of the underlying contract. Written correspondence can go to TAB Bank c/o EasyPay Finance, P.O. Box 2549, Carlsbad, CA 92018.5National Consumer Law Center. How to Stop EasyPay Finance/TAB Bank Automatic Debits For charges tied to the French Easypayweb, use the 2L Multimedia address above.
A borrower who wants to end automatic debits specifically, rather than dispute the charge, can revoke the authorization in writing using the contact information above. One important caveat: revoking the automatic debit does not cancel the underlying loan. Stopping payments without settling the balance can lead to collection activity on the account.
Disputing the Charge With Your Card Issuer
If the merchant will not resolve the problem, dispute the charge with the card issuer. Under the Fair Credit Billing Act, the written dispute must reach the issuer within 60 days of the statement date on which the charge first appeared. The issuer has 30 days to acknowledge the dispute and 90 days to resolve it. While the investigation is open, the disputed amount can be withheld, and the issuer cannot report it as delinquent or send it to collections.6Federal Trade Commission. Using Credit Cards and Disputing Charges Federal law caps consumer liability for unauthorized credit card charges at $50.
Debit card charges follow different rules than credit card charges, so the timing and liability limits above apply to credit accounts. For a debit transaction, contact the bank promptly and ask how its own dispute process works.