Your utility bills have a relentless advocate. You don't.
Finiva monitors every charge and rate change across your utility and cable accounts. When something is wrong or a better deal exists, we act — drafting the email, opening the chat, making the case. You get the money back and the time back.
Recover $360–$600 annually. Save 24–36 hours per year.
The problem isn't the bill. It's the forty minutes on hold to dispute it.
The average homeowner juggles 4–6 recurring utility accounts — electric, gas, internet, cable, water, trash. Each has its own login, billing cycle, and customer service maze.
When something goes wrong (a mystery charge, a rate hike, a promotional rate expiring), the path to resolution is 40+ minutes on hold, three agent transfers, and the same account verification repeated each time.
Most people give up. The $15 charge stays. The better rate goes unclaimed.
You notice the $8 fee that appeared on last month's electric bill. You know your cable promotional rate expired six months ago. You just haven't done anything about it because the effort isn't worth it on any given Tuesday.
How Finiva works
Connect once
Link your utility accounts and email. Finiva monitors every bill, every rate change, every charge as it happens.
We watch everything
Our system detects overcharges, expired promotional rates, mystery fees, and better deals across all your accounts — before you even see the bill.
We act immediately
When something is wrong, Finiva drafts the email, opens the chat, and negotiates using your actual account history. No hold music. No repeated verification. No giving up.
The value is concrete. The return compounds every billing cycle.
$360–$600
Average annual savings recovered. That's $30–$50 per month across 4–6 utility accounts — overcharges caught, promotional rates reclaimed, better deals secured.
24–36 hours
Time returned to you every year. No hold music. No repeated account verification. No giving up on a $15 dispute because it isn't worth forty minutes of your Tuesday.
A $15 charge stays on your bill because fighting it costs you an hour. Finiva makes that same recovery cost ninety seconds of automated outreach. That math changes everything.
Why now
Average residential electricity prices increased over 15% between 2021 and 2023, according to the U.S. Energy Information Administration. Internet and cable prices have similarly crept upward through promotional rate expirations and fee additions.
Mint shut down in early 2024, leaving tens of millions of people without even passive bill tracking. The market is actively looking for a replacement — and the bar they'll accept has risen. They want a product that does something, not just one that shows them a dashboard.
Services like Trim (acquired by One Finance) and Rocket Money proved consumers will grant account access to automated tools if the savings are real. But existing solutions still stop at detection — they flag the problem and leave the action to you.
Finiva closes the action gap. We don't just tell you about the overcharge. We resolve it.
Questions
Every homeowner should have a relentless advocate working their recurring bills every month.
Not just the ones with the patience to spend forty minutes on hold for a $15 dispute.
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