ComplaintsforMariner Finance, LLC

• Initial Complaint

  10/28/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am writing to dispute an unauthorized account that recently appeared on my credit report. Upon review, I identified the following account, which I did not open and believe to be fraudulent: Creditor Name: MARINR FINC Opened Date: 9/19/2020 Account Number: ************ As a victim of identity theft, I am actively working to resolve inaccuracies on my credit report. I have filed a complaint with IdentityTheft.gov to document this issue. I kindly request that this account be thoroughly investigated and removed from my credit report to restore its accuracy.

  Business response

  11/04/2024

  Thank you for contacting us.  We take customer concerns seriously, and our Customer Relations Department has thoroughly researched this complaint. 
  
  Ms. **** entered into the loan with Mariner Finance, LLC (“Mariner”) on September 19, 2020.  As part of Mariner's account opening procedures, specific information including the applicant's name, date of birth, address and identification number are required and verified, and these documents are retained with the loan file.  Ms. **** defaulted on her loan resulting in the account being referred to smalls claims court on January 26, 2023.  Ms. **** signed a consent judgment on March 6, 2023, agreeing to resume account payments.  Although Ms. **** has resumed making payments, once a loan is in default, and legal action is initiated, the account will continue to report to the nationwide credit reporting agencies as a collection account until it is paid in full.
  
  Reporting accurate credit experience data is an essential obligation of data furnishers under the Fair Credit Reporting Act. Based on our review, we have determined that the account was not opened fraudulently, and the information furnished by Mariner to the nationwide credit reporting agencies - including that it is a collection account, is accurate.
  
  For any additional questions regarding this matter, Ms. **** may contact Mariner’s Customer Relations Department at ###-###-####.

• Initial Complaint

  08/07/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  My elderly parents, ******* and ****** *****, (***** ************) received a 'generic check' in the mail two years ago 2022. This check was had a letter attached to it and one that basically said...you can have this check and pay us back (loan)... the check was $4,520.00. My mother has Dimentia/Alzheimer and my father does not read. Thinking it was a life insurance policy we had recently requested the surrender value they deposited it in early Jan 2022. During my visit later in Jan22, I opened a letter stating loan payment was due! Researching and talking to them I understood error and contacted ******* & ****@ Mariner Finance 1/29/2022 at ###-###-####. I was rather frantic and angry knowing my parents were being taken advantage of unbeknownst to them. The loan payment doc showed a bal due $6,826.26 which **** said represented the end of loan life with interest. I received info to transfer the money back to them and did so that day. Two years later, my father received a call from that branch this morning 7/25/2024 stating he owed $2,200 some dollars for a loan that has come due. I contact **** at the branch after a distressed call from my father and explained again that there is no way my parents owe them money. **** initially told me that they had been making payments... I informed him NO WAY I handle all of the bills and banking and nothing had ever been paid to them EXCEPT to repay the check they deposited. Then he said that this balance must be interest due from the 'loan'. MY PARENTS NEVER HAD A LOAN. They had the money for about 3 weeks not knowing that by cashing this check they didn't know what it was. The money was returned in full. Additionally no call or attempt to collect anything over two years was made to my parents. Just a call out of the blue today. My name is ***** ****** my phone number is ###-###-####.

  Business response

  07/31/2024

  Thank you for contacting us. Mariner Finance, LLC (“Mariner”) takes customer concerns seriously, and our Customer Relations Department has thoroughly researched this complaint.  Mr. ***** entered into the loan with Mariner on January 10, 2022, by cashing or depositing a prescreened firm offer of credit that was mailed to him.  The offer is a direct mail loan offer that complies with all applicable state and federal regulations, and is extended to credit qualified individuals based on information provided by the credit bureaus. The terms of the loan are prominently disclosed in the offer materials received in accordance with applicable federal and state law. The disclosures provided also reference our 15-day satisfaction guarantee, in which Mariner offers to waive all finance charges with no penalties, if the loan is repaid in full within fifteen (15) days in the form of cash or certified funds.
  
  Based on our review, Mariner received an ACH payment for $4,520 on January 29, 2022.  Although the payment submitted was not received within the 15 day period loan cancellation period and was not in the form of a certified check, we have confirmed that the finance charges have been waived and the account is now closed.  Should Mr. ***** have additional questions regarding this matter, he may contact Mariner’s Customer Relations Department at ###-###-####.

• Initial Complaint

  08/05/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  i took out a loan from Mariners back in late 2019 and ended up paying a few monthly payments and then paid off completely. Then due to my documented ID theft, it seems it was re financed and another loan obtained. I did the the first loan over phone, the second I was told by Mariner ofc that it was done in person in Clovis, CA and I told them Ive never been to Clovis, CA. I asked if they have a copy of id and the signature of whomever posed as me, they said yes but i could go to a local ofc and they could let me see downloaded in their system. I immed went to the office they told me to go to locally in Lemon Grove but the office was closed down/lease sign in window. I told them there were two separate acct numbers. I never even received a response back or a call. now its on credit reports all 3 for 6,117.00. My loan wasnt even that much let alone paying off and having a positive mark from Mariner on report, but then another Mariner on hard inq with a bad mark. I need this fixed, due to this my credit is bad and that is a large sum of money i do not owe. i am a victim of ID theft and this only adds to my victimization. 12/30/20 is the date on credit report and says $3194 written off/acct charged off and past due 2/24/24

  Business response

  08/08/2024

  Thank you for contacting us.  Mariner Finance, LLC (“Mariner”) takes customer concerns seriously, and our Customer Relations Department has thoroughly researched this complaint.  Ms. ****** entered into her first loan with Mariner on September20, 2020.  Ms. ****** made two loan payments before refinancing the loan on December 30, 2020.  The refinance allowed Ms. ****** to go from past due for her December 30, 2020, payment to current and next due for February 13, 2021, while providing an additional cash advance in the amount of $500 to Ms. ******.  Ms. ****** made just two payments on the refinanced account, effectively defaulting on loan, and on August 5, 2024, the defaulted account was sold to ***** ********* ***.
  
  Based on our review, the account in question was not opened fraudulently, and Ms. ******’s claim that she paid her loan in full is inaccurate.  Ms. ******’s initial account was closed due to refinance after just two payments.  The current contract includes Ms. ******’s prior net balance of $2,671.63, plus the additional $500 cash advance provided to her.  If Ms. ****** can provide proof that either account was paid in full, in the form of paid in full documents or a payment receipt, Mariner is happy to conduct an additional review. 
  
  For any additional questions regarding this matter, Ms. ****** may contact Mariner’s Customer Relations Department at ###-###-####.  If she would like to make a payment, she may contact ***** ********* *** at ###-###-####.

• Initial Complaint

  06/03/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Mariner contacted my employer asking some personal information. It was extremely smart thinking on my employer to ask me if I were okay with sharing any information they requested with them. I advised my employer no. I then reached out to their team and was advised they would not reach out to any references or employer and they did reach out to both. I do not see where they are a business listed with the BBB. They are also a predatory lender who gain customers by sending out checks to consumers via mail to be deposited or cashed. I have requested to be removed from their mailing list and is still receiving mail. I also received court documents stating they would sue me for 25000 and my loan was for 3500. Mariner had been denied previously by the attorney General due to their unscrupulous practices.

  Business response

  06/11/2024

  Thank you for contacting us.  Mariner Finance, LLC (“Mariner takes customer concerns seriously, and our Customer Relations Department has thoroughly researched this complaint.
  
  Ms. **** entered into her loan with Mariner on March 30, 2023, by cashing or depositing a pre-screened offer of credit in the form of a "Loan by Mail," which is sent to qualified consumers that meet the certain selection criteria.  The Loan by Mail offer included all applicable loan information and disclosures, and complies with state and federal regulations.  Ms. ****** loan is currently in default resulting in the account being referred to a collection attorney on March 22, 2024. 
  
  Based on our review, Mariner did not find any information to support Ms. ****** allegations of inappropriate contact with her employer, and Ms. **** does not have any personal references on record with Mariner.  Furthermore, Mariner team members are trained in proper customer communication.  Mariner’s Customer Relations Manager contacted Ms. **** at the number provided in her complaint to discuss Ms. ****** complaint in further detail, but was unable to reach her.  For additional assistance, we request Ms. **** contact Mariner’s Customer Relations Department at ###-###-####, or she may contact our Customer Relations Manager directly at the number previously provided.  If Ms. **** would like to make a payment, she may contact ******* * ******** *** at ###-###-####.

• Initial Complaint

  05/31/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  Called to confirm payment from my insurance claim to ensure everything was settled. Representative Emanuel or Manuel just bluntly hung up on me. After calling back to get no answer. Finally get and answer and Emanuel or Manuel answered again. Told me to get a better phone. That has nothing to do with getting my payment info for my insurance company. To this day I’m still waiting to hear back from Mariner Finanace llc. I’m not satisfied on how I was treated as a client and therefore couldn’t get any resolution.

  Business response

  06/05/2024

  Thank you for contacting us.  Mariner Finance LLC, (“Mariner”)  has reviewed Mr. ******* complaint.  Mr. ***** entered into the loan with Mariner on December 7, 2023, and the loan was secured by a perfected lien on 2009 Toyota Camry.  On May 28, 2024, Mr. ***** contacted Mariner to advise that the vehicle used to secure the loan had been deemed a total loss.  ***** **** contacted Mariner on May 30, 2024, and was provided a ten (10) day payoff per their request. 
  
  Based on a review of applicable records, Mr. ***** contacted Mariner on May 30, 2024, to inquire about the status of the payment from ***** **** and due to static in the phone call, the call could not be completed.  On May 31, 2024, Mariner received a check from ***** **** in the amount of $2,894, which paid the account in full.  Paid in full documents, including an overpayment check in the amount of $22.87, is scheduled to be mailed to Mr. ***** on June 14, 2024, per Mariner’s policy.
  
  Should Mr. ***** have additional questions regarding this matter, he may contact Mariner’s Customer Relations Department at ###-###-####.

• Initial Complaint

  05/10/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I received a credit alert and checked my credit report today (May 9, 2024) to find out that a ca. $3500 loan was placed in my name from Mariner Finance in Mechanicsville, VA. I contacted them to inform them that I had not made a loan. They notified me that a loan was made in my name and on my credit by my husband. They indicated sending a check to my home in my name, (my husband's last name is different from mine), which he took to them and they opened up the loan in my name. I found out after inquiring about with my husband that he DID do this without my permission. So, my complaint against Mariner's was about their allowing him to do this without my presence, presentation of any ID from me, or giving me a phone call or email to verify my consent, and even allowing this without any official paperwork giving him power of attorney to do so. I could have easily stopped this. I cannot blame them totally for my husband's deceit. But ANYBODY could have also committed this type of fraud and my complaint is that they did not do what I would consider to be 'due diligence' to prevent this. I live in VA, which is not a community property state. So I now have a loan on MY credit that was undertaken by the company without my consent. In this day and time with rampant fraud, a legitimate business should NOT so easily comply. The money is gone as my husband has a gambling addiction. I keep strict control over the finances, monitor my bank account daily to only keep a minimum in the account that he has access to and keep all of the credit cards. THIS was a loop-hole , i.e. of having a loan company allow this without attempting to notify me, that was unanticipated, and I want them to bear some fault in this by taking the loan OUT of my name, OFF of my credit, and putting it in HIS.

  Business response

  05/17/2024

  Ms. ******* entered into a loan agreement with Mariner on April 29, 2024, by cashing or depositing a pre-screened loan offer that was mailed to her. The prescreened offer, as required by law, clearly states that it is a loan offer and by cashing or depositing the check, the individual is entering into a contractual loan agreement with Mariner.  On May 9, 2024, Ms. ******* contacted Mariner advising that she did not cash the check, and that her spouse forged her signature along with additional documentation allowing him to discuss the account on her behalf.  Mariner is happy to assist Ms. ******* with a fraud claim.  However based on our review, Ms. ******* has since contacted Mariner to advise that she planned to pay the account off.
  
  If Ms. ******* is interested in proceeding with a fraud claim, we ask that she contact the servicing branch location, or she may contact Mariner’s Customer Relations Department for assistance at ###-###-####.  

  Customer response

  05/21/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID 21692322, and find that this resolution is satisfactory to me.

  Thank you for facilitating this exchange with the business. I was given the option of accepting or rejecting the business’s response, but I found myself mid-way between these choices and wanted your advice. The Mariner’s business manager was very pleasant and accommodating in their desire to address this issue, for which I am very grateful. This alone has satisfied my complaint, but to avoid this type of issue from making it onto a person’s credit report without due diligence on the behalf of the business, I wanted to offer a modified and more correct statement from the business that gives a more accurate accounting of the situation without admission of fraudulence on their end. The fraudulent behavior was clearly on the part of my husband who has a gambling addiction that is my problem to properly manage.
  However, my issue would have remained with the bank to repay them the funds along with any other negative repercussions. The processing of the loan and its registration on my credit report should still have required more scrutiny from Mariner’s other than a handwritten unnotarized note with no evidence of my signature. I wanted to offer a more accurate accounting of Mariner’s statement by their consideration of making the following changes suggested below, as I feel that the FIRST LINE of first statement is not ‘true’.
  Please see requested modified statement in attached document.
  
  Sincerely,
  
  ******** *******

• Initial Complaint

  05/06/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this dept with charter communications, I do not have contract with MARINR FINC, they did not provide me with the original contract as i requested.

  Business response

  05/13/2024

  Thank you for contacting us.  Mariner Finance, LLC (“Mariner”) takes customer concerns seriously, and we have thoroughly reviewed Ms. *******’s complaint.  Ms. ******* entered into her loan with Mariner on July 12, 2021.  Ms. ******* made payments as contractually agreed through January 2023, before losing contact with Mariner and failing to submit additional payments.  Because Ms. ******* defaulted on her loan, the account was referred to a collection attorney on April 25, 2023.
  
  Reporting accurate data is an essential obligation of data furnishers under the Fair Credit Reporting Act and one that Mariner takes seriously.  Based on a review of Ms. *******’s account, the information furnished by Mariner to the nationwide credit reporting agencies is accurate.  Furthermore, Mariner complies with all FCRA requirements.  

• Initial Complaint

  05/02/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with MARINERFIN, I do not have a contract with MARINERFIN they did not provide me with the original contract as I requested.

  Business response

  05/09/2024

  Thank you for contacting us with Ms. *****. concerns.  Ms. ***** entered into her loan with Mariner Finance, LLC ("Mariner") on May 6, 2016, by cashing or depositing a prescreened firm offer of credit that was mailed to her.  The terms of the loan are prominently disclosed in the offer materials received in accordance with applicable federal and state law.  Because Ms. ***** defaulted on her loan and no payment arrangement was achieved, Mariner initiated legal action to collect the account.  A judgment was awarded in favor of Mariner on January 18, 2018, in the amount if $2,165.86, plus interest and court costs.  As of the receipt of this complaint, Mariner has not received any payments in accordance with the judgment.  

  In order to provide additional copies of loan or loan related documents, Mariner requires verification of the requestor's identity.  Ms. ***** may visit her local Mariner branch with photo ID to receive a printed copy of the original loan document, or she may send her request, along with a copy of her government issued Identification to Mariner Finance, 8211 Town Center Drive, Nottingham, MD 21236.  Mariner has no record of Ms. ***** having previously submitted a request of this nature.

  Reporting accurate data is an essential obligation of data furnishers under the Fair Credit Reporting Act.  Mariner makes accurate account information available to the Credit Reporting Agencies (“CRA”) on a monthly basis, and each CRA has its own internal policies that determine how the information is displayed in the credit report, and for how long.  Based on a review of Ms. *****' account, the information furnished by Mariner to the nationwide credit reporting agencies - including that the account is a collection account, is accurate and therefore we are unable to accommodate Ms. *****' request to alter the information.  Furthermore, Mariner complies with all FCRA requirements.

  Should Ms. ***** have additional questions regarding her account, she may contact Mariner's Customer Relations Department at ###-###-####.  If Ms. ***** would like to discuss a payment arrangement, she may contact Mariner's Recovery Department at ###-###-####.

• Initial Complaint

  05/02/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this dept with charter communications, I do not have contract with MARINR FINC, they did not provide me with the original contract as i requested.

  Business response

  05/09/2024

  Thank you for bringing Me. ******'s concerns to our attention.  Mr. ****** entered into his loan with Mariner in June 25, 2019, by cashing or depositing a prescreened firm offer of credit that was mailed to him.  The terms of the loan are prominently disclosed in the offer materials received in accordance with applicable federal and state law. Mr. ****** defaulted on his loan resulting in the account being classified as a charged-off account, which remains legally collectable.  Mariner has no record of Mr. ****** having previously contacted Mariner requesting additional copies of his loan documents.  Mariner has received numerous automated credit disputes submitted by Mr. ****** claiming both inaccurate reporting and fraud in relation to his loan, all of which were investigated and responded to as accurately reporting.

  Since Mr. ****** provided a copy of his identification with a previously submitted fraud dispute, Mariner has mailed a copy of the original loan documents to the address of record for Mr. ******.  Should Mr. ****** have additional questions regarding his account, he may contact Mariner's Customer Relations Department at ###-###-####.  If Mr. ****** would like to discuss a payment arrangement, he may contact Mariner's Recovery Department at ###-###-####.

• Initial Complaint

  05/02/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  I am getting fed up with Mariner Finance and I can't wait to pay off this loan so I never have to do business with them again. They are unfair, deceptive, and bordering on abusive. It all started when I asked for a payment to be put on hold or to be placed at the end of the loan. This was back in the summer of 2023. The representative was more than happy to help with a payment courtesy / hold. Once my consent was recorded, they told me my payment was still due in less than a week. Their policy was that they allowed for one payment to be forgiven, and then that was it. With their policy, I was given little to no time to take care of the next payment. Their system works in their favor and not in the favor of the consumer. Because they didn't disclose this to me, I felt like I was deceived into accepting their terms and conditions and then told after the fact when my consent had been recorded. Secondly, when I tried to reach out for help again when I got behind on bills because of being unable to work because of COVID, I was given little to no assistance. Anytime I could call to contact them, I would be expected and pressured into making a payment. So I preferred to email instead. The company refused to communicate with me through email. I work 2nd shift so it's difficult to call during their business hours. I did get a month or two behind, and I started getting letters stating that they would put my account into collections and sue me in court (mind you, I owe them less than 4K). I had to call back and start making arrangements. I was required to call them at one point they would not allow me to make payments online. Recently, I have arranged to get caught up with my account. I made two payments, one for March and one for April, for a total of nearly $400 to be pulled April 26th. My next payment due would be in May. Since April 29th, I have had two phone calls in one week about the same issue even after my husband called on my behalf to ask the to stop harassing me.

  Business response

  05/09/2024

  Thank you for contacting us.  Mariner Finance, LLC (“Mariner”) takes customer concerns seriously, and our Customer Relations Department has thoroughly researched this complaint.  Mariner attempts to provide assistance to customers when they experience financial difficulties that may temporarily affect their ability to meet their loan repayment obligations.  In this case, Mariner assisted Mr. ******* with a deferment on June 28, 2023, which brought her account from past due for the June 1, 2023, contractual payment obligation, to current and next due for the July 1, 2023, payment obligation.  We are disappointed to hear that Ms. ******* does not see the benefit in the assistance she received, as the deferment not only allowed her to skip a payment and brought her account current, but also helped Mr. ******* avoid the delinquency being reported to the nationwide Credit Reporting Agencies (“CRA”).  A review of applicable records confirms that additional relief options were reviewed with Ms. *******, which were declined at the time. 
  
  As a courtesy, and in an effort to assist our customer, Mariner has made reasonable attempts to communicate with Ms. ******* at the numbers she previously provided.  A review of applicable records indicates no collection activity in violation of applicable law or regulation, and Mariner has no record of Ms. Hayes having previously requested no contact in regards to the debt.  As a courtesy, we would like to remind Ms. ******* that her account is currently past due for the April 1, 2024, payment obligation with the most recent payment received on April 26, 2024, in the amount of $357.80.
  
  We appreciate the opportunity to address Ms. *******’s concerns.  While we are unable to honor Ms. *******’s request to forgive the debt, we encourage her to contact Mariner’s Customer Relations Department with any additional questions regarding this matter at ###-###-####.

  Customer response

  05/10/2024

  
  Complaint: 21645912
  
  I am rejecting this response because the payment deferment should have allowed more time to pay back the debt. Not giving me less than a week to make my next payment. I've also tried to change the due date of my loan to when my rent is not due. Any request to change my due date has been ignored. The alternative solutions for the debt relief would be to take on more debt which isn't the most friendly for the consumer.

  I also don't like how Mariner Finance will not address anything on my account unless I call someone when I work second shift. Two calls the same day about the same issue is harassment and receiving two threatening letters to sue me in court for my full debt after agreeing to continue to make payments towards my amount owed my branch already agreed to is also harassment. Your company is harassing me and it's disgusting you say otherwise. I demand some type of resolution for the pain and suffering you have needlessly given me.

  
  Sincerely,
  
  **** *******

  Business response

  05/16/2024

  Thank you for the additional feedback.  Mariner has no record of Ms. ******* having previously requested a due date change.  If she would like to do so, she may contact her servicing branch location with that request.  However, Mariner is unable to accommodate this request on a past due account, so Ms. ******* will need to bring her account current before a due date change can be processed.  As a courtesy, we would like to remind her that her account is currently past due for the April and May payment obligations.  While we understand the limitations with Ms. *******'s work schedule, she will need to contact Mariner for specific requests or questions regarding her account, as we are unable to discuss her account via email.  

  For any additional questions regarding this matter, Ms. ******* may contact Mariner's Customer Relations Department at 844-338-2080.

  Customer response

  05/18/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID 21645912, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  **** *******

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩