Personal, payday and title loans
Duvera Billing Services: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 33
- Closed with money back
- 0
- 2023 to 2025
- 13 to 12
Duvera Billing Services received 416 complaints from everyone in the window; 33 carried the servicemember tag. The complaints are mostly about payday loan, title loan, personal loan, or advance loan, and the single most common issue is "Charged fees or interest you didn't expect". 0 of the 33 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count held roughly steady: 13 in 2023 and 12 in 2025.
What the complaints are about
By product
| Payday loan, title loan, personal loan, or advance loan | 12 |
| Debt collection | 8 |
| Credit reporting or other personal consumer reports | 7 |
| Payday loan, title loan, or personal loan | 4 |
| Credit reporting, credit repair services, or other personal consumer reports | 2 |
By issue
| Charged fees or interest you didn't expect | 12 |
| Attempts to collect debt not owed | 6 |
| Incorrect information on your report | 3 |
| Improper use of your report | 2 |
| Problem with a company's investigation into an existing problem | 2 |
| 2023: 13 | 2024: 8 | 2025: 12 |
Which accounts, specifically
| Installment loan | 15 |
| Credit reporting | 9 |
| Other debt | 4 |
| I do not know | 2 |
| Payday loan debt | 2 |
What went wrong, specifically
| Debt is not yours | 4 |
| Was not notified of investigation status or results | 2 |
| Information belongs to someone else | 2 |
| Reporting company used your report improperly | 2 |
| Their investigation did not fix an error on your report | 1 |
Busiest month: August 2024, with 3 servicemember complaints. Most were submitted by web.
Most complaints came from TX (8), GA (6), FL (5) , then VA, AZ, NJ.
How Duvera Billing Services answered
| Closed with explanation | 33 |
Duvera Billing Services responded within the CFPB's 15-day window on 97% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Debt collection; Attempts to collect debt not owed. FL, 2024-08-22. Outcome: Closed with explanation. Complaint 9896280
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Payday loan, title loan, personal loan, or advance loan; Charged fees or interest you didn't expect. NJ, 2024-08-15. Outcome: Closed with explanation. Complaint 9816868
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Debt collection; Attempts to collect debt not owed. FL, 2024-08-05. Outcome: Closed with explanation. Complaint 9711651
If this is your problem at Duvera Billing Services
"Charged fees or interest you didn't expect" is the kind of dispute the SCRA's 6% cap settles for pre-service debt: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with personal, payday and title loans peers
- Sunlight Financial 33 servicemember complaints; 0 with money back
- Bankers Healthcare 30 servicemember complaints; 0 with money back
- Skopos Financial 28 servicemember complaints; 0 with money back
- Sop Pioneer Partners 43 servicemember complaints; 0 with money back
- Harpeth Financial Services 25 servicemember complaints; 0 with money back
Next in the directory by volume: P&b Capital, Tesla.
Frequently asked questions
How many complaints did servicemembers file against Duvera Billing Services?
33 complaints tagged servicemember were received by the CFPB about Duvera Billing Services, LLC between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count held roughly steady: 13 in 2023 and 12 in 2025.
What do servicemembers complain about most at Duvera Billing Services?
Payday loan, title loan, personal loan, or advance loan accounts for 12 of the 33 complaints, and the most common issue is "Charged fees or interest you didn't expect" (12). Next: "Attempts to collect debt not owed" (6).
Does Duvera Billing Services give money back when a servicemember complains?
0 of the 33 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 0 closed with non-monetary relief and 33 closed with an explanation only. Duvera Billing Services answered 97% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.